KR100925839B1 - System for Managing Borrowing Goods for Apartment House Remodeling Business Funds Support - Google Patents

Abstract

The present invention relates to a method and system for operating a multi-unit housing remodeling business fund support loan product and a server for operating a multi-unit housing remodeling business fund support program and a program recording medium therefor, wherein the system for supporting a multi-unit housing remodeling business fund support system according to the present invention. The loan request receiving means for receiving the loan request information for the apartment remodeling business fund, and the reimbursement fee for each member and the expected withdrawal and the union fee and the construction cost for each member can be supported by using the received apartment housing remodeling business fund support loan request information. Of the calculated loan support amount calculation means and the calculated loan support amount, the migration costs for each member and the expected withdrawal for each member are treated as the personal loan support amount, and the union and construction costs are treated as the corporate loan support amount. Loan amount above the apartment The company specializes in the securitization of trade receivables were transferred to construction contractors for the construction of ring business owners to include a support loan processing means.

Remodeling, apartments, loans

Description

System for Managing Borrowing Goods for Apartment House Remodeling Business Funds Support}

1 is a view showing the configuration of a loan product management system for the support of apartment housing remodeling business funds according to an embodiment of the present invention.

2 is a diagram illustrating a process of performing a loan by providing remodeling business fund support request information for supporting a multi-family house remodeling business fund according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a system for providing a security agreement and a debt confirmation information in a face-to-face manner for subscribing to a multi-family remodeling business fund support loan product according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a security provision agreement and debt confirmation information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner to join the apartment remodeling business fund support loan products according to an embodiment of the present invention to be.

Figure 5 is a mortgage agreement and debt confirmation stored in the database associated with the ledger D / B equipped in the DBMS on the financial system in a face-to-face to join the apartment remodeling business fund support loan products according to another embodiment of the present invention It is a figure which shows an information structure.

FIG. 6 is a diagram illustrating a security provision agreement and debt confirmation information stored in a DBMS provided in a banking server in a face-to-face manner in order to join a multi-unit remodeling business fund support loan product according to another exemplary embodiment of the present invention.

7A and 7B are diagrams illustrating a process of registering collateral provision agreement and debt confirmation information in a face-to-face manner according to one embodiment of the present invention.

8A and 8B illustrate a process of registering collateral provision agreement and debt confirmation information in a face-to-face manner according to another exemplary embodiment of the present invention.

9A and 9B are diagrams illustrating a process of registering collateral provision agreement and debt confirmation information in a face-to-face manner according to another exemplary embodiment of the present invention.

10 is a diagram illustrating a non-face-to-face collateral provision agreement and debt confirmation information registration system for subscribing to a multi-family remodeling business fund support loan product according to another exemplary embodiment of the present invention.

FIG. 11 is a diagram illustrating a security provision agreement and debt confirmation information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner in order to subscribe to a multi-family remodeling business fund support loan product according to an exemplary embodiment of the present invention. Drawing.

12 is a mortgage agreement and debt confirmation stored in the database associated with the ledger D / B equipped in the DBMS on the financial system in a non-face-to-face in order to join the apartment remodeling business fund support loan products according to another embodiment of the present invention It is a figure which shows an information structure.

FIG. 13 is a diagram illustrating a security provision agreement and debt confirmation information stored in a DBMS provided in a banking server in a non-face-to-face manner in order to join a multi-family remodeling business fund support loan product according to another exemplary embodiment of the present invention.

14A and 14B are views illustrating a process of registering collateral provision agreement and debt confirmation information in a non-face-to-face manner in order to join a multi-family remodeling business fund support loan product according to an exemplary embodiment of the present invention.

15A, 15B, and 15C are diagrams illustrating a process of registering collateral provision agreement and debt confirmation information through a non-face-to-face financial transaction channel for joining a multi-family remodeling business fund support loan product according to an exemplary embodiment of the present invention. to be.

FIG. 16 is a diagram illustrating a system for opening a face-to-face apartment remodeling business fund support personal loan product account system for processing migration expenses and expected withdrawal as a personal loan support amount according to an embodiment of the present invention.

FIG. 17 illustrates a DBMS on a financial system in which a storage medium that stores apartment home remodeling business fund support personal loan product subscription information corresponding to a multi-family home remodeling business fund support personal loan product account opened in a face-to-face manner according to an embodiment of the present invention. It is a figure which shows the implementation method provided in the.

18 is a storage medium for storing a multi-unit housing remodeling project funding personal loan product subscription information corresponding to a multi-unit housing remodeling business fund assistance personal loan product account opened in a face-to-face manner according to another embodiment of the present invention. Figure is a view showing an implementation method including a database associated with the ledger D / B provided in the DBMS.

19 is a banking server storing a storage medium for storing multi-unit housing remodeling business fund support personal loan product subscription information corresponding to a multi-unit house remodeling business fund support personal loan product account opened in a face-to-face manner according to another exemplary embodiment of the present invention. Figure is a view showing an embodiment comprising a DBMS provided in.

20A and 20B are diagrams illustrating a process of opening a multi-family housing remodeling business fund support personal loan product account for processing a migration fee and an expected withdrawal amount as a personal loan support amount in a face-to-face manner according to one embodiment of the present invention.

21A and 21B are diagrams illustrating a process of opening a multi-family housing remodeling business fund support personal loan product account for processing a migration fee and an expected withdrawal amount as a personal loan support amount in a face-to-face manner according to another exemplary embodiment of the present invention.

22A and 22B are diagrams illustrating a process of opening a multi-family housing remodeling business fund support personal loan product account for processing a migration fee and an expected withdrawal amount as a personal loan support amount in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 23 is a diagram illustrating a system for opening a non-face-to-face multi-family remodeling business fund support personal loan product account system for processing migration expenses and expected withdrawal as a personal loan support amount according to another embodiment of the present invention.

24 is a storage medium for storing a multi-unit housing remodeling business fund assistance personal loan product subscription information corresponding to a multi-unit housing remodeling business fund support personal loan product account opened in a non-face-to-face manner according to an embodiment of the present invention. It is a figure which shows the implementation method provided in the DBMS.

FIG. 25 is a storage system for storing a multi-unit housing remodeling business fund assistance personal loan product subscription information corresponding to a multi-family remodeling business fund assistance personal loan product account opened in a non-face-to-face manner according to another embodiment of the present invention. Figure is a view showing an implementation method including a database associated with the ledger D / B provided in the DBMS on.

26 is a storage medium for storing a multi-unit housing remodeling business fund assistance personal loan product subscription information corresponding to a multi-family remodeling business fund assistance personal loan product account opened in a non-face-to-face manner according to another embodiment of the present invention. A diagram showing an implementation method including a DBMS provided in a server.

27A and 27B are diagrams illustrating a process of opening a multi-family remodeling business fund support personal loan product account for processing a migration fee and an expected withdrawal amount as a personal loan support amount in a non-face-to-face manner according to an exemplary embodiment of the present invention.

28A, 28B, and 28C are diagrams illustrating a process of opening a multi-family remodeling business fund support personal loan product account for processing migration expenses and expected withdrawal as a personal loan support amount according to one embodiment of the present invention.

29 is a diagram illustrating a system for opening a confrontational apartment remodeling business fund support company loan product account for processing a combination cost and a construction cost as a company loan support amount according to an established high-cost according to an embodiment of the present invention.

30 is a DBMS on a financial system in which a storage medium that stores apartment home remodeling business fund support company loan product subscription information corresponding to the apartment house remodeling business fund support company loan product account opened in a face-to-face manner according to an embodiment of the present invention. It is a figure which shows the implementation method provided in the.

31 is a storage medium for storing a multi-unit housing remodeling business fund support company loan product subscription information corresponding to a multi-family house remodeling business fund support company loan product account opened in a face-to-face manner according to another embodiment of the present invention. Figure is a view showing an implementation method including a database associated with the ledger D / B provided in the DBMS.

32 is a banking server for storing a housing for remodeling business fund support company loans corresponding to a multi-unit housing remodeling business fund support company loan product account opened in a face-to-face manner according to another embodiment of the present invention. Figure is a view showing an embodiment comprising a DBMS provided in.

33A and 33B are diagrams illustrating a process of opening a corporate housing remodeling business fund support company loan product account for processing a combination loan and a construction cost as a company loan support amount in a face-to-face manner according to one embodiment of the present invention.

34A and 34B are diagrams illustrating a process of opening a multi-family housing remodeling business fund support company loan product account for processing a combination loan and a construction cost as a company loan support amount in a face-to-face manner according to another exemplary embodiment of the present invention. .

35A and 35B illustrate a process of opening a multi-family housing remodeling business fund support company loan product account for processing a combination loan and a construction cost as a company loan support amount in a face-to-face manner according to another exemplary embodiment of the present invention. Drawing.

36 is a diagram illustrating a system for opening a non-face-to-face apartment remodeling business fund support company loan product account system for processing a combination cost and a construction cost as a company loan support amount according to an established loan according to another embodiment of the present invention.

FIG. 37 illustrates a storage medium storing multi-unit remodeling business fund support company loan product subscription information corresponding to a multi-family remodeling business fund support company loan product account opened in a non-face-to-face manner according to an embodiment of the present invention. It is a figure which shows the implementation method provided in the DBMS.

38 is a storage system for storing a multi-unit housing remodeling business fund support company loan product subscription information corresponding to a multi-family remodeling business fund support company loan product account opened in a non-face-to-face manner according to another embodiment of the present invention. Figure is a view showing an implementation method including a database associated with the ledger D / B provided in the DBMS on.

39 is a storage medium for storing a multi-unit housing remodeling business fund support company loan product subscription information corresponding to a multi-family remodeling business fund support company loan product account opened in a non-face-to-face manner according to another embodiment of the present invention. A diagram showing an implementation method including a DBMS provided in a server.

40A and 40B are diagrams illustrating a process of opening a multi-unit housing remodeling business fund support company loan product account for processing a combination loan and a construction cost as a company loan support amount in a non-face-to-face manner according to an exemplary embodiment of the present invention. .

41A, 41B, and 41C are diagrams illustrating a process of opening a multi-unit housing remodeling business fund support company loan product account for processing a combination cost and a construction cost as a company loan support amount according to an established method according to one embodiment of the present invention.

42 is a diagram illustrating a non-face-to-face information providing system for supporting a multi-family house remodeling business fund according to another exemplary embodiment of the present invention.

43 is a diagram illustrating a process of calculating remodeling business fund support detailed information by providing remodeling business fund support request information for multi-family remodeling business fund support according to an exemplary embodiment of the present invention.

44 is a diagram illustrating an example screen of a user interface including a connection interface according to an embodiment of the present invention.

45 is a diagram illustrating an example screen of a user interface including a new registration interface according to an embodiment of the present invention.

46 is a diagram illustrating an example screen of a user interface including a remodeling project fund support request information input interface according to an embodiment of the present invention.

FIG. 47 is a diagram illustrating an example screen of a user interface including a remodeling fund support detailed information output interface according to an embodiment of the present invention.

<Description of main parts of drawing>

100: loan product management server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information calculating unit 125: loan processing unit

130: account management unit 135: information storage unit

140: storage medium 145: information registration terminal

The present invention

As renovation of newly built apartments proceeds to expand housing funds in the 1980s and 1990s, remodeling starts are expected to grow rapidly.

In addition, while the demand for remodeling projects is increasing day by day for the purpose of pleasant living environment and return on investment, the government is showing a willingness to support the remodeling projects where the tenants remain rather than reconstruction as part of the policy to curb real estate speculation. .

In this situation, the remodeling market is growing day by day, but it is not easy to remodel due to regulations such as mortgage ratio.

An object of the present invention for solving the above problems is the loan support available amount calculation step of calculating the migration costs for each member and the expected withdrawal and combination costs and construction costs for each member who can support the apartment housing remodeling business funds in the server, and the collateral for each member in the server The provisional mortgage setting step of setting the mortgage right according to the loan execution and the loan support and the expected withdrawal by the member among the calculated loan support available amount at the server are treated as the personal loan support amount, The union and construction costs are handled by the amount of corporate loan support, and the loan processing step is supported by the asset-liquidization specialist company, which has received the construction sales receivables from the contractor who constructs the multi-family remodeling business, with the total loan amount supported. Loan product management It is how to provide.

Multi-unit housing remodeling business fund support loan product operating system according to the present invention, loan support receiving means for receiving the multi-unit housing remodeling business fund support loan request information, and support using the received apartment housing remodeling business fund support loan request information Possible means for calculating the possible loans for each member, the expected withdrawal by each member, the amount of loan support to calculate the cost and construction cost, and the migration costs for each member and the expected withdrawal for each member out of the calculated loan support available amount are treated as the amount of personal loan support. The construction cost is treated as a corporate loan support amount, and includes the loan processing means that supports the total amount of the loan to be supported by the asset securitization company, which has received the construction sales receivables from the contractor who constructs the multi-family remodeling project. It is characterized by.

According to the present invention, the multi-family remodeling business fund support loan product management system, whether the amount of asset value increase after the remodeling of the remodeling business funded apartments to meet the predetermined amount, and the total loan support available amount A loan examination processing means for determining whether to perform the loan by checking at least one of whether it meets the mortgage security ratio (LTV) and whether the number of apartments subject to the remodeling business fund assistance is equal to a predetermined number; It is characterized in that it further comprises.

According to the present invention, the multi-unit housing remodeling business capital support loan product operation system, characterized in that it further comprises a base mortgage setting means for establishing a mortgage right in accordance with the loan execution by confirming the security agreement and debt confirmation letter for each member do.

According to the present invention, the multi-unit housing remodeling business fund support loan product operation system, the joint management account for jointly managing the loan support fund supported through the loan processing means, and the loan through the opened joint management account It further comprises a loan account operation means for supporting the support, and repayment of the loan support through the joint management account after the completion of the remodeling business.

According to the present invention, the loan processing means, the loan support money corresponding to the construction cost of the loan support amount, characterized in that the limited support corresponding to the ready-made high after the confirmation of the ready-made.

On the other hand, the apartment housing remodeling business capital support loan product operating method according to the present invention, the loan support available amount calculation step of calculating the migration costs for each member and the expected withdrawal and combination costs and construction costs for each member who can support the apartment housing remodeling business funds, and the server In the mortgage right setting step of setting the mortgage right according to the loan execution and the loan allowance and the expected withdrawal of each member from the calculated loan support available amount calculated by the server, The loans that are handled by the company and the construction cost as the corporate loan support amount, but are supported by the asset-liquidization specialist company, which has received the construction sales receivables from the contractor who constructs the multi-unit housing remodeling business, with the total loan amount supported by the borrower. Characterized in that it comprises a processing step All.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described method for operating the apartment remodeling business fund support loan product.

On the other hand, the apartment housing remodeling business fund support loan product operation server according to the present invention, the calculation unit for calculating the migrant costs and the expected withdrawal and combination costs and construction costs for each member who can support the apartment housing remodeling business funds and the calculated loan support available amount Among them, the migration costs for each member and the expected withdrawal for each member are treated as a personal loan support amount, and the union and construction costs are provided with a loan processing unit for processing as a corporate loan support amount.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a view showing the configuration of a loan product management system for the support of the apartment remodeling business funds according to the embodiment of the present invention.

In more detail, Figure 1 shows that a predetermined customer (asset liquidation company, Special Purpose Company; SPC) has construction (or business) information, basic information on apartments (e.g. apartment name, address, equilibrium before remodeling, number of households, etc.). Loan request for apartment remodeling business funds including at least one financial condition information (e.g., loan interest rate condition information, etc.), basic financial information (e.g., allowance for migration costs, existing loan amount, general union cost estimate, etc.) If the loan product subscription information for a predetermined multi-family remodeling business fund support including information is provided to a predetermined loan product management server 100 for the multi-family remodeling business fund support through a predetermined terminal device, the loan product operation Relocation costs and combinations for each member that can be supported using the received apartment housing remodeling business fund support loan request information from the server 100 Calculate the amount of loan support available to calculate the expected withdrawal, union costs and construction costs for each individual, and the migration costs for each member and the expected withdrawal for each member are treated as personal loan support, and the union and construction costs are supported for corporate loans. Loan products are managed by the amount of the loan, which is supported by the asset securitization company, which has received the construction sales receivables from the contractor who constructs the multi-family remodeling business, and manages the total loan amount. As the configuration of the system, a person having ordinary technical knowledge in the technical field to which the present invention belongs can refer to and modify this drawing 1 to infer various implementation methods of the apartment housing remodeling business fund support loan product operation system. It will be appreciated, however, that the present invention encompasses all implementation methods inferred from the above, It is not limited to the implementation method shown in FIG.

For example, a person having ordinary technical knowledge in the technical field to which the present invention belongs may infer an implementation method for combination using the rest except for the process between the contractor and an asset liquidation specialist company. Is not limited thereto.

In addition, although each functional component of the loan product management server 100 can easily infer a method of implementing the loan product management system configured in the form of the respective functional means, the present invention is not limited thereto.

In addition, the respective functional components of the loan product management server 100, the financial system, the security agreement and debt confirmation information registration system, personal loan product account opening system, corporate loan product account opening system, information shown in FIG. It may be provided in at least one system of the providing system, but the present invention is not limited thereto.

In addition, although the system shown in FIG. 1 is illustrated as a case where a predetermined customer is an asset liquidation company, it is possible to easily infer an implementation method in which the customer is a combination, but the present invention is not limited thereto.

In addition, each of the D / B provided in each system shown in Figure 1 may be integrated in the form of at least one DBMS (DataBase Management System), but the present invention is not limited thereto.

In addition, each system shown in FIG. 1 may be provided with at least one system, but the present invention is not limited thereto.

Referring to FIG. 1, the loan product management system includes the information registration terminal 145 including a teller terminal provided at at least one financial institution branch for the [information registration purpose]. The information registration terminal 145 is connected to the communication channel and the loan product management server 100 provided on the loan product management system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch to subscribe to a predetermined loan product for supporting the apartment remodeling business fund, and through a window provided at the financial institution branch (or a teller employee). Fill out a prescribed application (eg, a document with a form for filling in at least one item of information for supporting the apartment remodeling business fund) and submit the application to the counter staff. And the counter clerk inputs (or selects) the information entered in the application through a predetermined counter terminal, and the counter terminal transmits the input (or selected) information to the loan product through the financial network. It is preferable to transmit to the loan product management server 100 provided on the operation system.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, the loan product operation server 100 connected to the teller terminal is provided on the predetermined financial system It is preferable to include a ledger server, and the financial network connecting the teller terminal and the information registration server preferably comprises a branch network connecting the communication channel between the teller terminal and the information registration server.

The loan product management server 100 provided on the loan product management system according to the present invention is a generic term for the components of the loan product management system connected to the information registration terminal 145 through a predetermined financial network. It may be implemented by including one or more servers (or devices), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 145 is a teller terminal connected to a predetermined financial network, the loan product operation server 100 is connected to the teller terminal through a predetermined financial network. It may be a ledger server provided on, or a server (or device) provided on the external system on the financial system, or a program provided on the external system on the financial system, and the present invention is not limited thereto.

According to the method of the present invention, the loan product management server 100 is connected to the information registration terminal 145 and a predetermined communication channel through the financial network 105 (or interface means) for managing It is characterized by comprising.

According to an embodiment of the present invention, when the information registration terminal 145 is a window terminal connected to a predetermined financial network, the interface unit 105 may be connected to the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, the loan product management server 100 connects a communication channel with a loan product management server 100 through a predetermined information registration terminal 145 through the interface unit 105, and then the interface. By generating (or extracting) a predetermined user interface for interworking with the unit 105, the information registration terminal 145 inputs (or selects) and transmits a loan product subscription information for a predetermined multi-family remodeling business fund support. An interface providing unit 110 (or an interface providing unit) provided to the information registration terminal 145 and the interface unit 105 are input (or selected) from the information registration terminal 145 through the user interface. And information receiving unit 115 (or information receiving means) for receiving the loan product subscription information for the predetermined multi-family housing remodeling business funds transmitted to) and the received multi-family housing In response to the loan product subscription information for modeling business fund support, the loan processing unit 125 (or the loan processing unit) for making loans to the asset securitization company and the loan through a predetermined joint management account after the completion of the remodeling business. Account management unit 130 (or account management means) for repaying the support money, the construction (or business) information, basic housing information (e.g. apartment name, address, balance before remodeling, household information, etc.), finance Store information stored in the predetermined storage medium 140 by linking the condition information (for example, loan interest rate condition information, etc.), basic financial information (for example, the amount of migration support available, the amount of the existing loan, and the general combination cost estimated amount information). It is characterized by comprising a unit 135 (or information storage means).

The interface providing unit 110 is provided in the information registration terminal 145 after a predetermined information registration terminal 145 connects the communication channel with the loan product management server 100 through the interface unit 105. In response to the function configuration, input (or select) the loan product subscription information for the apartment housing remodeling business fund support to generate a predetermined user interface that can be transmitted to the loan product management server 100 through the financial network or Or extracting from a database (not shown) of the information providing system in association with a predetermined information providing system and interworking with the interface unit 105 to generate the generated (or extracted) user interface through the financial network. Characterized in that provided to the information registration terminal 145.

According to another embodiment of the present invention, the information registration terminal 145 inputs (or selects) the loan product subscription information for the apartment house remodeling business fund support to the loan product operation server 100 through the financial network. When a predetermined information registration program having at least one user interface to transmit is provided, the interface providing unit 110 for providing the user interface to the information registration terminal 145 may be omitted. This is not limited.

Subsequently, the information registration terminal 145 is based on the user interface, the construction (or business) information, apartment basic information (eg, apartment name, address, equilibrium before remodeling, number of households information, etc.), financial condition information ( For example, loan product subscription information for at least one loan including the interest rate condition information, financial basic information (for example, the amount of support for migration costs, the amount of existing loans, the general combination costs, etc.) Input (or select), and transmits the loan product subscription information for the input (or selected) apartment housing remodeling business fund support to the loan product management server 100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 145 is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

The information receiving unit 115 through the user interface at the information registration terminal 145, construction (or business) information, apartment basic information (eg, apartment name, address, equilibrium before remodeling, household information, etc.) Loan products for apartment housing remodeling business funds, including at least one or more of the condition information (for example, loan interest rate condition information), basic financial information (for example, the amount of support for migration costs, the amount of existing loans, the estimated amount of general union costs, etc.) When the subscription information is input (or selected) and transmitted through the financial network, the loan product subscription information for the apartment house remodeling business fund support in connection with the interface unit 105 may be received.

The account manager 130 opens a predetermined joint management account for jointly managing the loan (or loan support) supported by the loan processing unit 125, and the loan (or through the opened joint management account) Loan support) and the repayment of the loan support through the joint management account after the completion of the apartment housing remodeling project.

According to the present invention, the account management unit 130 opens a predetermined joint management account for jointly managing the loan (or loan support fund) supported through the loan processing unit 125, and through the opened joint management account It is preferable to support the loan (or loan support), and repay the loan support through the joint management account after the completion of the apartment housing remodeling project.

The information storage unit 135 includes construction (or business) information included in the loan product subscription information for supporting the apartment remodeling business fund, basic information of the apartment house (eg, apartment name, address, balance before remodeling, and number of households). Etc.), financial condition information (eg, loan interest rate condition information, etc.), basic financial information (eg, support for migration costs, existing loan amount, general combination cost estimated amount information, etc.) are stored in the storage medium 140. When the storage medium 140 is provided in the loan product management server 100 or on the network associated with the loan product management server 100, the information storage unit 135 The contractor (or business) information included in the loan product subscription information for the support of the apartment housing remodeling business funds, basic housing information (eg, apartment name, address, before remodeling) Type, number of households, etc.), financial condition information (e.g., loan interest rate condition information, etc.), basic financial information (e.g., support for migration costs, existing loan amount, general combination cost information, etc.) and the storage medium ( It is preferable to store in the 140, when the storage medium 140 is provided in the DBMS provided on the financial system, the information storage unit 135 is subscribed to the loan product for the received apartment housing remodeling business funds support The construction (or business) information included in the information, basic information on apartments (eg, apartment name, address, equilibrium before remodeling, number of households, etc.), financial condition information (eg, loan interest rate condition information, etc.), basic financial information ( For example, the amount of support for migration costs, the amount of existing loans, and the expected amount of general union costs, etc.) is provided to the information system through the external system on the financial system and stored in the DBMS provided on the financial system. It is desirable to.

The contractor (or business) information includes predetermined company information (eg, contractor name, business registration number, corporation number, address, telephone number, e-mail address, etc.) for the multi-family house, and members of the contractor. It is preferable to include at least one or more information (e.g., member ID information corresponding to the contractor (or business operator) by the contractor joining as a member of the information providing server), etc., according to the intention and purpose of those skilled in the art. It may be changed.

The basic information of the multi-family house preferably includes at least one or more of the multi-family name, address, equilibrium before remodeling, number of households, etc. of the multi-unit house to be remodeled by the contractor (or business), and is intended and intended by those skilled in the art. It may be changed according to.

The remodeling-related information may include at least one or more of the total remodeling time required for the business plan, current dedicated area, extension area, equilibrium information after remodeling, etc. in order for the contractor (or business operator) to promote the remodeling business. It may be changed according to the intention and purpose of a person skilled in the art.

The financial condition information, when a predetermined loan to support the apartment housing remodeling business funds for the contractor (or business), preferably comprises at least one or more loan interest rate information for the loan, and those skilled in the art It may be changed depending on the intention and purpose of the.

The basic financial information is to allow the tenant (or owner) who is living (or owns) to live in a multi-family house to move to the completion of the remodeling project when the contractor (or entrepreneur) implements the remodeling project. The amount of allowable relocation fee to support the relocation fee, the amount of the existing loan that the residing person (or holding) already borrowed for the apartment, and the residing (or holding) person for the remodeling business. It is preferable to make a predetermined combination and include at least one or more general combination ratio estimated amount information for operating the combination, and may be changed according to the intention and purpose of those skilled in the art.

Referring to FIG. 1, the loan product management server 100 connects a communication channel with the information providing server through the interface unit 105, and then interoperates with the interface unit 105 to determine a predetermined value in the client terminal. Generate (or extract) a predetermined user interface (eg, remodeling business fund support request information input interface) to input (or select) and transmit remodeling business money support request information, and provide the same to the client terminal. 105, when the client terminal receives predetermined remodeling business fund support request information input (or selected) through the user interface and transmits the information, the migration costs for each member who can support the remodeling business fund support request information and members To calculate at least one expected withdrawal, combination and construction costs Characterized in that information obtained by having the computing unit 120 (or the information obtaining means).

The information calculating unit 120 connects a communication channel with the information providing server through the interface unit 105, and then interoperates with the interface unit 105 to provide a predetermined remodeling business fund at the client terminal. Generate (or extract) a predetermined user interface (eg, remodeling business fund support request information input interface) to input (or select) and transmit support request information to the client terminal, and provide the interface unit 105 with the interface unit 105. When the client terminal receives the predetermined remodeling business fund support request information inputted (or selected) through the user interface and transmits the information, the reimbursement fee for each member and the expected withdrawal for each member can be supported for the remodeling business fund support request information. To calculate at least one It features.

According to the exemplary embodiment of the present invention, the information calculating unit 120 connects the communication channel with the information providing server through the interface unit 105, and then interworks with the interface unit 105. Generating (or extracting) a predetermined user interface (eg, remodeling business fund support request information input interface) which allows the client terminal to input (or select) and transmit predetermined remodeling business fund support request information to the client terminal; When the client terminal receives predetermined remodeling business fund support request information input (or selected) and transmitted through the user interface in cooperation with the interface unit 105, support for the remodeling business fund support request information is possible. The migration costs by members, the expected withdrawal by each member, It is shipped is preferred.

Here, the remodeling business fund support request information for the remodeling business fund support request information for the possible support for the relocation fee for each member, the expected withdrawal and the combination cost and construction cost calculation, the personal loan calculation process for the remodeling business fund support, the company It is preferable to include at least one loan calculation process.

In addition, the personal loan calculation process included in the remodeling business fund support request information, before the start of remodeling for the person who lives (or holds) in the remodeled apartment house (hereinafter referred to as the loan applicant) before the loan applicant the apartment house Checking the amount of loans secured as collateral, if the sum of the previous loan amount and the estimated sum of the migration and combination costs is the Loan to Value Ratio (LTV) (a standard set by the state (e.g. 40 If the loan amount is less than or equal to the loan applicant, the loan amount for the loan applicant may be all the loan amount, the migration cost, and the expected combination cost, and if the sum of the loan amount and the migration cost is less than the mortgage loan ratio, The loan amount can be applied to the loan amount excluding the union fee, and to the loan for the migration expenses, and if the loan amount is less than the mortgage ratio. The loanable amount for the loan applicant is preferably loanable only for the loan amount excluding the union fee and the migration fee, and if the person has ordinary technical knowledge in the technical field to which the present invention belongs, the technical characteristics of the personal loan calculation process will be described. As it will be understood, detailed description is omitted for convenience.

In addition, the corporate loan calculation process included in the remodeling business fund support request information, when the construction cost is greater than the mortgage ratio, calculates the mortgage ratio as a construction cost, the sum of the construction cost and the combination cost is greater than the mortgage loan ratio In this case, it is preferable to calculate the total construction cost, part of the union cost (the amount of the mortgage loan minus the expected construction cost), and when the sum of the construction cost and the union cost is less than the mortgage loan ratio, it is desirable to calculate the total construction cost and the union cost. Those skilled in the art to which the invention belongs, will be familiar with the technical features of the enterprise loan calculation process, detailed description thereof will be omitted for convenience.

2 is a diagram illustrating a process of performing a loan by providing remodeling business fund support request information for supporting a multi-family house remodeling business fund according to an embodiment of the present invention.

In more detail, Figure 2 shows the construction (or business) information for the construction (or business) when connecting a predetermined construction (or business) client terminal requesting remodeling business money support according to the method of the present invention, The contractor (or the operator) is the basic information (eg, apartment name, address, equilibrium before remodeling, the number of households, etc.) for the apartment house for the predetermined remodeling business fund support for the remodeling business, and the joint target Remodeling related information (e.g. total remodeling period, current dedicated area, extension area, equilibrium information after remodeling, etc.) about the plan to be remodeled in the house, and receiving loans from a financial institution for the remodeled apartment house Financial condition information (e.g., loan interest rate condition information) and the remodeled apartment house A predetermined input screen (or input) for inputting remodeling business fund assistance request information including at least one or more basic financial information for calculating the loan amount required (for example, the amount of the support for migration costs, the amount of the existing loan, and the estimated amount of the general combination cost). Window), input information for the remodeling business fund support request on the output screen (or an input window), and transmit the received information to the predetermined information providing server connected to the client terminal. By using the support request information, the process of providing a remodeling business fund support request information to support the multi-family housing remodeling business fund, showing a process of performing a loan, if the person having ordinary technical knowledge in the technical field to which the present invention belongs Requests remodeling project fund to support apartment remodeling project fund The service would be able to infer a variety of exemplary methods for the processes performed for a loan, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 2.

Hereinafter, the construction (business) information, the basic information of apartments, remodeling related information, financial condition information, basic financial information is referred to as "remodeling business fund support request information" for convenience.

The server generates (or extracts) a web page corresponding to a predetermined input interface for supporting the remodeling business fund (200), and transmits the generated (or extracted) web page to the terminal through the communication channel. Output 205.

According to an embodiment of the present invention, the input interface preferably comprises a user interface for inputting (or selecting) the remodeling business fund support request information in the terminal.

In addition, the web page transmission or output process may be performed at least once according to the remodeling business fund support request information input (or selection) procedure, thereby not limited to the present invention.

Thereafter, the terminal inputs (or selects) remodeling business fund support request information including at least one or more construction company (business) information, apartment house basic information, remodeling related information, financial condition information, and financial basic information through the input interface. (210).

The contractor (or business) information includes predetermined company information (eg, contractor name, business registration number, corporation number, address, telephone number, e-mail address, etc.) for the multi-family house, and members of the contractor. It is preferable to include at least one or more information (e.g., member ID information corresponding to the contractor (or business operator) by the contractor joining as a member of the information providing server), etc., according to the intention and purpose of those skilled in the art. It may be changed.

The basic information of the multi-family house preferably includes at least one or more of the multi-family name, address, equilibrium before remodeling, number of households, etc. of the multi-unit house to be remodeled by the contractor (or business), and is intended and intended by those skilled in the art. It may be changed according to.

Preferably, the remodeling-related information includes at least one or more total remodeling time required for the business plan, current dedicated area, extension area, and equilibrium information after remodeling in order for the contractor (or operator) to promote the remodeling business. It may be changed according to the intention and purpose of a person skilled in the art.

The financial condition information, when a predetermined loan to support the apartment housing remodeling business funds for the contractor (or business), preferably comprises at least one or more loan interest rate information for the loan, and those skilled in the art It may be changed depending on the intention and purpose of the.

The basic financial information is to allow the tenant (or owner) who is living (or owns) to live in a multi-family house to move to the completion of the remodeling project when the contractor (or entrepreneur) implements the remodeling project. The amount of allowable relocation fee to support the relocation fee, the amount of the existing loan that the residing person (or holding) already borrowed for the apartment, and the residing (or holding) person for the remodeling business. It is preferable to make a predetermined combination and include at least one or more general combination ratio estimated amount information for operating the combination, and may be changed according to the intention and purpose of those skilled in the art.

If the terminal receives (or selects) the remodeling business fund support request information through the input interface (215), the terminal receives the input of the remodeling business fund support request information (or selected) through the communication channel. The server transmits the data to the server (220).

According to the exemplary embodiment of the present invention, the remodeling business fund support request information input (or selected) through the communication channel is transmitted to the server, the remodeling business fund support request input (or selected) through the input interface. The method may further include transmitting information to the server by digitally signing or encrypting the information through a security module provided in the terminal.

Subsequently, the server receives the remodeling business fund support request information through the communication channel (225), and calculates at least one of the support costs for each member, the expected withdrawal, the combination cost, and the construction cost for each member.

According to the implementation method of the present invention, the migration cost for each member and the expected withdrawal and the combination cost and the construction cost calculation for the remodeling business fund support request information include a personal loan calculation process and a corporate loan calculation process for the remodeling business fund support. It is preferable to make it.

In addition, the personal loan calculation process included in the remodeling business fund support request information, before the start of remodeling for the person who lives (or holds) in the remodeled apartment house (hereinafter referred to as the loan applicant) before the loan applicant the apartment house Check the amount of the loan as collateral, and if the sum of the previous loan amount and the estimated cost of the migration and combination costs is the Loan to Value Ratio (LTV) (a standard set by the state (e.g. In the case of less than 40%)), the loanable amount for the loan applicant may be all the loan amount, the migration cost, and the expected combination cost, and if the sum of the loan amount and the migration cost is less than the mortgage ratio, The amount of loans available for loans is based on the loan amount excluding the union fee, the loan allowance for migration expenses, and when the loan amount is less than the mortgage loan ratio. The loanable amount for the loan applicant is preferably loanable only for the loan amount excluding the union fee and the migration fee, and if the person has ordinary technical knowledge in the technical field to which the present invention belongs, the technical characteristics of the personal loan calculation process will be described. As it will be understood, detailed description is omitted for convenience.

In addition, the corporate loan calculation process included in the remodeling business fund support request information, when the construction cost is greater than the mortgage ratio, calculates the mortgage ratio as a construction cost, the sum of the construction cost and the combination cost is greater than the mortgage loan ratio In this case, it is preferable to calculate the total construction cost, part of the union cost (the amount of the mortgage loan minus the expected construction cost), and when the sum of the construction cost and the union cost is less than the mortgage loan ratio, it is desirable to calculate the total construction cost and the union cost. Those skilled in the art to which the invention belongs, will be familiar with the technical features of the enterprise loan calculation process, detailed description thereof will be omitted for convenience.

The server requests a loan process for a person (or company) to a predetermined person (or company) loan product account opening system (230).

Thereafter, in the personal (or corporate) loan product account opening system, by checking the collateral provision agreement and debt confirmation submitted by the member of the loan target, and establishes the basis mortgage according to the loan execution (235), the individual (or company) In the loan product account opening system, an individual (or corporate) loan using the asset securitization company as a borrower is processed (240).

3 is a diagram illustrating a system for providing a security agreement and debt confirmation information in a face-to-face manner for subscribing to a multi-family remodeling business fund support loan product according to an exemplary embodiment of the present invention.

In more detail, Figure 3 is a security that a predetermined customer (member) includes at least one customer (member) information, union trust information, collateral offer information, debt confirmation information for joining the apartment remodeling business fund support loan products After providing and submitting the provision agreement and the debt confirmation, the predetermined window terminal 375 acquires the predetermined image contents corresponding to the security provision agreement and the debt confirmation from the predetermined image acquisition device, and provides a predetermined information registration interface. Through the security provision agreement and the debt confirmation information registration system through the security provision agreement and debt confirmation information corresponding to the security provision agreement and debt confirmation and the image content obtained from the security provision agreement and the debt confirmation, the image content Generates a predetermined security provision agreement and debt confirmation electronic document, including a predetermined electronic And store in a predetermined storage medium 345 by cooperatively processing the customer (member) information, union trust information, collateral provision information, and debt confirmation information included in the collateral provision agreement and debt confirmation information. The present invention relates to a system configuration, and more particularly, to an implementation method in which the electronic document repository is provided on an external system associated with the security agreement and debt confirmation information registration system through a predetermined communication means.

Those skilled in the art to which the present invention pertains, various implementations of the security provision agreement and debt confirmation information registration system configuration for joining the apartment remodeling business fund support loan product by referring to and / or modifying the Figure 3 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 3 so that the electronic document repository is provided in a DBMS in which the security agreement and debt confirmation information registration system are located. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 3, the security provision agreement and the debt confirmation electronic document corresponding to the security provision agreement and the debt confirmation certificate are generated on the server side on the security provision agreement and debt confirmation information registration system. Although illustrated and described, the present invention is not limited thereto, and the collateral providing agreement and the debt confirmation electronic document are obtained through a predetermined image obtaining device to obtain the image content corresponding to the collateral providing agreement and the debt confirmation. May be generated (eg, the electronic document generation function provided on the server side is provided on the terminal side to generate the security agreement and debt confirmation electronic document), and the present invention is not limited thereto.

Hereinafter, the security agreement and debt confirmation information and image corresponding to the security agreement and debt confirmation written by the customer (member) through a predetermined information registration interface on the security provision agreement and debt confirmation information registration system shown in FIG. At least one or more means for receiving a content, generating a predetermined collateral providing agreement and a debt confirmation electronic document, storing the secured agreement and debt confirmation information in a predetermined storage medium 345, and The component corresponding to the functional configuration is called "information registration server 300" for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, the security agreement and debt confirmation information registration system for joining the apartment remodeling business fund support loan product is provided at at least one financial institution branch (or branch). And an information registration terminal 380 including a counter terminal 375, and the information registration terminal 380 is provided on the security provision agreement and debt confirmation information registration system through a predetermined financial network. The communication channel is connected to the registered information registration server 300.

According to an exemplary embodiment of the present invention, the customer (member) visits the financial institution branch (branch branch) to join the apartment remodeling business fund support loan product, and opens a window provided at the financial institution branch branch (branch branch). Fill out a predetermined security agreement and debt confirmation (eg, at least one information item for joining the multi-family remodeling business fund-supported loan product) through (or through a clerk) In this case, it is preferable that the customer (member) seal the transaction seal of the customer (member) for the legal basis for the security agreement and debt confirmation.

Subsequently, when the customer (member) submits the prepared collateral provision agreement and debt confirmation to the counter employee, the counter staff acquires predetermined image contents by scanning the collateral provision agreement and debt confirmation through a predetermined image acquisition device. And image content obtained in response to the collateral provision agreement and the debt confirmation through a predetermined counter terminal 375, customer (member) information, union trust information, and collateral provision information written in the security provision agreement and the debt confirmation. Inputs (or selects) the security provision agreement and the debt verification information including at least one debt verification information, and correspondingly, the counter terminal 375 transmits the image content and the security agreement and debt verification information to the financial network. It is desirable to transmit to the information registration server 300 provided on the security agreement and debt confirmation information registration system through It is.

Here, the window terminal 375 preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the information registration server 300 connected to the window terminal 375 is the predetermined It is preferable to include a server (for example, a ledger server, etc.) provided on the financial system, and the financial network connecting the window terminal 375 and the information registration server 300 is connected to the window terminal 375 and the information. It is preferable to include the current network connecting the communication channel between the registration server (300).

In the above-described security provision agreement and debt confirmation information registration system, an image acquisition device for acquiring the image content corresponding to the security agreement and debt confirmation written by the customer (member), and the counter terminal (375) used by the employee And the financial network connecting the window terminal 375 and the information registration server 300 to register the security agreement and debt confirmation information for the customer (member) to join the apartment remodeling business fund support loan products It performs the function of the information registration interface.

The storage medium 345 provided on the security provision agreement and debt confirmation information registration system according to the present invention is the customer (member) included in the security provision agreement and debt confirmation information provided from the information registration terminal 380. The information, combination trust information, collateral provision agreement information, debt confirmation information is characterized in that it is stored in a predetermined storage medium 345.

The association trust information includes trust establishment confirmation information regarding the conclusion of a real estate trust contract with the association with respect to a predetermined combination formed for a remodeling business for a apartment house such as an apartment owned by the customer (member); It is preferable to include real estate trust contract information prepared at the time of trust signing, and it may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation is, “I have a remodeling business (hereafter,“ the apartment ”) of the apartment (hereafter,“ the apartment housing ”) ) Is a member of the [] Association ("Borrower" or "Cooperative") formed for I have entered into a real estate trust contract with the union on the day of __________ for the apartment house [] dong [] I owned for the smooth execution of this business. . ”And may be changed according to the intention and purpose of those skilled in the art.

The information on providing the collateral may include consent information for obtaining a predetermined loan as collateral for the apartment, such as apartment owned by the customer (member), and real estate register copy information. It may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation states, “In relation to the loan agreement, your bank has requested to provide the apartment as collateral as a loan condition. As a consignor under the trust agreement in [], the union, who is a trustee, agrees to provide your bank as collateral for the loan obligations under the loan agreement as collateral as requested by your bank without any condition. The specific manners and conditions relating to the provision of security shall be entrusted to the union so that the bank and the union may decide in consultation with it. ”It is preferable to change this according to the intention and purpose of those skilled in the art.

The debt confirmation information is for the client (union) to confirm that there is a debt, with respect to the request information requesting to conclude a loan agreement with a financial institution to submit the security agreement and the debt confirmation letter to conclude a loan agreement. It is preferable to include the confirmation information and the confirmation information to repay the interest equivalent amount in the loan agreement when the union to which the customer (member) is not able to meet the debt, and may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the security agreement and the debt confirmation states, “Of the above loans to the cooperative of your bank, the amount of \ __ ($ __) is the debt that you pay as a member to the union. Check. Therefore, if the union fails to repay the loan principal for your bank, I will reimburse your bank for the above debt and the interest equivalent of the loan agreement between the union and your bank. ” It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (member), which has made the security agreement and debt confirmation. Member information of the customer (member) (e.g., the customer (member)) by joining the financial transaction customer (member) of the financial institution in response to the customer (member) and the security provision agreement and debt confirmation information registration system and It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer (member union) ledger provided on the linked financial system.

According to an exemplary embodiment of the present invention, the storage medium 345 is provided on the security provision agreement and debt confirmation information registration system (or associated with the security agreement and debt confirmation information registration system) DBMS on the financial system Preferably, the storage medium 345 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby The present invention is not limited.

According to another method of the present invention, the storage medium 345 is provided on (or associated with) the security agreement and debt confirmation information registration system, and / or a telebanking system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

The information registration server 300 provided on the security provision agreement and debt confirmation information registration system according to the present invention registers the security agreement and debt confirmation information connected to the information registration terminal 380 through a predetermined financial network. A generic term for system-side components, which may be implemented including at least one server (or device), and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or device), Thereby, this invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 380 is a window terminal 375 connected to a predetermined financial network, the information registration server 300 is the window terminal 375 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to the embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal 380 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 380 is a window terminal 375 connected to a predetermined financial network, the interface unit 305 is based on the protocol stack defined in the financial network. Connecting a predetermined communication channel with the terminal 375, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction-related program provided in the window terminal 375 It is preferable.

Referring to FIG. 3, when the predetermined information registration terminal 380 connects a predetermined communication channel with the information registration server 300 through the interface unit 305, the information registration server 380 is connected to the information registration server 300. Acquiring the image contents corresponding to the collateral provision agreement and the debt confirmation written by the customer (member) through a predetermined image acquisition device provided in the information registration terminal 380 to subscribe to the home remodeling business fund support loan products, Create (or extract) at least one user interface for inputting (or selecting) collateral provision agreement and debt confirmation information corresponding to the collateral provision agreement and the debt confirmation and transmitting it to the information registration server 300, and the interface An interface providing unit 310 for providing the generated (or extracted) user interface to the information registration terminal 380 in association with the unit 305 and the tablet; When the security registration terminal 380 inputs (or selects) the security provision agreement and the debt confirmation information corresponding to the security provision agreement and the debt confirmation through the user interface, the information is linked with the interface unit 305. The information receiving unit 315 for receiving the security agreement and debt confirmation information transmitted from the registration terminal 380, and the customer through the predetermined image acquisition apparatus based on the user interface in the information registration terminal 380 When the member obtains and transmits the image contents corresponding to the collateral providing agreement and the debt confirmation written by the member, the image receiving unit 320 receives the image contents corresponding to the collateral providing agreement and the debt confirmation from the interface unit 305. It characterized by comprising a.

The interface provider 310 connects a predetermined communication channel with the information registration server 300 through the interface 305 through the interface unit 305, and then sends the information registration server 300 to the information registration server 300. When requesting a user interface for subscribing a loan renovation product for apartment housing remodeling business, corresponding to a security provision agreement and a debt confirmation written by the customer (member) through a predetermined image acquisition device provided in the information registration terminal 380 At least one user to obtain image content, input (or select) collateral provision agreement and debt confirmation information corresponding to the collateral provision agreement and debt confirmation to be transmitted to the information registration server 300 through the financial network. Create an interface and / or extract it from a predetermined database (not shown), and create the interface in conjunction with the interface unit 305 It is characterized in that it provides the extracted) user interface to the information registering terminal 380 through the financial network.

According to another exemplary embodiment of the present invention, the information registration terminal 380 acquires the image contents corresponding to the security provision agreement and the debt confirmation written by the customer (member) through a predetermined image acquisition device, and the security provision agreement and A predetermined information registration program having at least one user interface for inputting (or selecting) collateral provision agreement and debt confirmation information corresponding to the debt confirmation and transmitting the information to the information registration server 300 through the financial network is provided. If so, through the predetermined image acquisition device as described above, obtains the image content corresponding to the collateral provision agreement and debt confirmation written by the customer (member), and the collateral provision agreement and debt corresponding to the collateral provision agreement and debt confirmation User interface for inputting (or selecting) confirmation information to be transmitted to the information registration server 300. The interface providing unit 310 for generating (or extracting) an e-mail and providing it to the information registration terminal 380 may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal 380 inputs the security agreement and debt confirmation information including at least one of the customer (member) information, union trust information, security agreement information, and debt confirmation information through the user interface ( Or) and transmits the input (or selected) security agreement and debt confirmation information to the information registration server 300 through the financial network, and correspondingly, the information receiving unit 315 is connected to the interface unit. In operation 305, it is characterized in that for receiving the security agreement and debt confirmation information transmitted from the information registration terminal 380.

In addition, the information registration terminal 380 obtains the image content corresponding to the security provision agreement and the debt confirmation written by the customer (member) through a predetermined image acquisition device based on the user interface, the obtained image content Is transmitted to the information registration server 300 through the financial network, and in response, the image receiving unit 320 receives the image contents corresponding to the security provision agreement and the debt confirmation in connection with the interface unit 305. Characterized in that.

According to another exemplary embodiment of the present invention, the information registration terminal 380 acquires image contents corresponding to a security provision agreement and a debt confirmation written by the customer (member) through a predetermined image acquisition device. When previously stored in a predetermined storage device provided (or associated with) 380, the information registration terminal 380 stores the customer (combination member) among at least one or more image contents previously stored in the storage device through the user interface. Selects and transmits the image contents corresponding to the security provision agreement and the debt confirmation written by the user to the information registration server 300 through the financial network. In response, the image receiving unit 320 is connected to the interface unit 305. It is preferable to receive the image content corresponding to the security provision agreement and the debt confirmation in association.

According to another exemplary embodiment of the present invention, the information registration terminal 380 corresponds to the image contents corresponding to the security provision agreement and the debt confirmation written by the customer (member) through the user interface and the security provision agreement and the debt confirmation. When the collateral provision agreement and the debt confirmation information are transmitted together, the information receiver 315 is linked with the interface unit 305 to confirm the image content corresponding to the collateral provision agreement and the debt confirmation and the security provision agreement and debt confirmation. It is possible to receive information together (for example, the image receiver 320 is integrated into the information receiver 315 and operated), and the present invention is not limited thereto.

Referring to FIG. 3, the information registration server 300 receives the collateral providing agreement and the debt confirmation information transmitted from the information registration terminal 380 through the information receiving unit 315. And a validity confirming unit 325 for confirming whether the debt confirmation information satisfies the validity for joining the apartment remodeling business fund support loan product.

According to the method of the present invention, the verification of the security of the security agreement and debt confirmation information is the security agreement and debt confirmation to the ledger D / B on the financial system linked to the security agreement and debt confirmation information registration system It is preferable to include checking whether at least one ledger information matching the information is registered.

In addition, the verification of the validity of the security provision agreement and the debt confirmation information is at least one matching the security provision agreement and debt confirmation information to the registered D / B on the registry system associated with the security provision agreement and debt confirmation information registration system It is preferable to include checking whether the above registered information is registered.

For example, the validity confirming unit 325 may include the customer (member) member information (customer (member) personal information, member information, etc.) among the information included in the collateral provision agreement and debt confirmation information. It is preferable to include checking whether the information matches with the customer ledger stored in the ledger D / B on the financial system associated with the confirmation information registration system.

In addition, the validity confirmation of the security provision agreement and the debt confirmation information is registered in the security provision agreement and debt confirmation information, the registered copy information included in the information on the security provision agreement is registered in the security provision agreement and debt confirmation information It is preferable to include a check that matches the registration information stored in the registration D / B on the registry system associated with the system.

Referring to FIG. 3, the information registration server 300 receives the image content transmitted from the information registration terminal 380 through the image receiving unit 320, and the collateral through the validity checking unit 325. When the validity of the provision agreement and the debt confirmation information is authenticated, the electronic document generation unit 330 for generating a predetermined security provision agreement and debt confirmation electronic document including the received image content, and the generated security provision agreement and And an electronic document transmission unit 335 for transmitting the debt confirmation electronic document to the electronic document repository associated with the security provision agreement and the debt confirmation information registration system.

The electronic document generation unit 330 generates a security agreement and a debt confirmation electronic document including the image content received from the information registration terminal 380 through the image receiving unit 320.

According to the exemplary embodiment of the present invention, the electronic document generation unit 330 remodels the multi-family house as it is an image file including the image content received from the information registration terminal 380 through the image receiving unit 320. It is advisable to process collateral provision agreements and debt confirmation electronic documents for business-funded loan products.

Alternatively, the electronic document generator 330 may provide the security agreement and debt confirmation information received through the information receiver 315 to the image content received from the information registration terminal 380 through the image receiver 320. The multi-family housing remodeling business fund includes an image file corresponding to an image content including at least one of customer (member) information, union trust information, collateral provision information, and debt confirmation information included in a watermarking method. It is desirable to create a collateral provision agreement and a debt confirmation electronic document to join a support loan.

According to another embodiment of the present invention, the electronic document generating unit 330 is a predetermined document file (eg, including the image content received from the information registration terminal 380 through the image receiving unit 320) Regenerating the apartment by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT. It is desirable to create a collateral provision agreement and a debt confirmation electronic document for joining a business-funded loan product.

Alternatively, the electronic document generator 330 may provide the security agreement and debt confirmation information received through the information receiver 315 to the image content received from the information registration terminal 380 through the image receiver 320. Generate image content including at least one or more of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in a watermarking method, and include the generated image content. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a, it is desirable to generate a security agreement and debt confirmation electronic document for joining the apartment remodeling business fund support loan product .

According to another exemplary embodiment of the present invention, the electronic document generator 330 may receive the image content and the information receiver 315 received from the information registration terminal 380 through the image receiver 320. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing the received security agreement and debt confirmation information. , Or a web document file including MHT), it is preferable to generate a security agreement and a debt confirmation electronic document for subscribing to the apartment remodeling business fund support loan product.

Alternatively, the electronic document generator 330 may provide the security agreement and debt confirmation information received through the information receiver 315 to the image content received from the information registration terminal 380 through the image receiver 320. Generating image content including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in a watermarking method, and generating the generated image content and the A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing a security agreement and debt confirmation information; or By creating a web document file including the MHT, etc.), the collateral provision agreement and debt security for joining the apartment remodeling business fund support loan product It is desirable to create an electronic document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 330 and the technical features for generating a security agreement and debt confirmation electronic document of the image file format and / or a predetermined document file format and Since the technical features of the file format for the image file and / or the document file corresponding to the security provision agreement and the debt confirmation electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 335 transfers the security provision agreement and the debt confirmation electronic document generated by the electronic document generation unit 330 to a predetermined electronic document repository associated with the security provision agreement and debt confirmation information registration system. Characterized in that the transmission and storage.

As shown in FIG. 3, the electronic document repository is an electronic document and an electronic document server 350 connected to the information registration server 300 on the security provision agreement and debt confirmation information registration system through predetermined communication means. When provided externally including the D / B 370, the electronic document transmission unit 335 uses the communication means for providing the security agreement and the debt confirmation electronic document generated by the electronic document generation unit 330. Characterized in that the transmission to the electronic document server 350 through.

Here, when the electronic document server 350 and the electronic document D / B 370 are provided outside the security provision agreement and debt confirmation information registration system, the electronic document server 350 and the electronic document D / The B 370 is preferably managed by an authorized institution.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the security provision agreement and debt confirmation information registration system, the electronic document transmitting unit 335 is the electronic document generating unit 330. It is possible to store the security agreement and debt confirmation electronic document generated by the electronic document D / B 370 corresponding to the electronic document storage on the DBMS provided in the security agreement and debt confirmation information registration system, Thereby, this invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 335 may provide electronic document related information (eg, providing a security corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 350. Customer (membership) information on the consent and debt confirmation, and / or financial institution information transmitting the security agreement and debt confirmation electronic document, and / or electronic document file format information, and / or the security agreement and debt confirmation Information, etc.) can be further transmitted to the electronic document storage, whereby the present invention is not limited.

Referring to Figure 3, the information registration server 300 is the security agreement and debt confirmation information received through the information receiving unit 315 through the validity verification unit 325 through the apartment remodeling business capital support loan product When the validity for the subscription is authenticated, the predetermined storage medium is processed by integrating the customer (member) information, association trust information, collateral provision information, and debt confirmation information included in the security provision agreement and the debt confirmation information certified for validity. And an information storage unit 340 to be stored at 345.

When the validity of the security provision agreement and the debt confirmation information is confirmed by the validity verification unit 325, the information storage unit 340 is a combination of customer (member) information included in the security provision agreement and debt confirmation information, combination Trust information, collateral provision information, and debt confirmation information is stored in the storage medium 345 by the cooperative processing, the storage medium 345 is provided in the information registration server 300, or the information registration When provided on the network associated with the server 300, the information storage unit 340 is the customer (members) information, association trust information, collateral provision agreement information contained in the received collateral provision agreement and debt confirmation information, It is preferable that the debt confirmation information is cooperatively stored and stored in the storage medium 345. When the storage medium 345 is provided in a DBMS provided on a financial system, the information storage unit 340 receives the received information. Providing customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security agreement and debt confirmation information to the information system through the external system of the financial system and storing it in the DBMS provided on the financial system. It is desirable to.

Referring to FIG. 3, a predetermined electronic document D / B 370 is received by receiving a predetermined security provision consent and debt confirmation electronic document from the information registration server 300 provided on the security provision agreement and debt confirmation information registration system. The electronic document server 350 that stores and manages the electronic document receiving unit 355 receives a predetermined security provision agreement and debt confirmation electronic document from the information registration server 300 through a predetermined communication means, and An information generation unit 360 for generating predetermined electronic document management information for storing and managing the received security provision agreement and debt confirmation electronic document in the electronic document D / B 370, and the electronic document management information and the And an electronic document storage unit 365 for processing the security agreement and the debt confirmation electronic document in a predetermined electronic document D / B 370.

The electronic document receiving unit 355 receives a security provision agreement and a debt confirmation electronic document in the form of an image file and / or a document file from the information registration server 300 through the communication means.

According to an exemplary embodiment of the present invention, the collateral provision agreement and the debt confirmation electronic document received by the electronic document receiving unit 355 through the communication means are received by the information registration server 300 from the information registration terminal 380. It is preferable to include an image file including one image content as it is.

Alternatively, the collateral providing agreement and the debt confirmation electronic document received by the electronic document receiving unit 355 through the communication means may include the collateral in the image content received by the information registration server 300 from the information registration terminal 380. An image file corresponding to an image content including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in the provision agreement and the debt confirmation information in a watermarking manner. It is preferable to comprise.

According to another embodiment of the present invention, the collateral provision agreement and debt confirmation electronic document received by the electronic document receiving unit 355 through the communication means is the information registration server 300 from the information registration terminal 380 A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the received image content, or an MHT. Web document files, etc.).

Alternatively, the collateral providing agreement and the debt confirmation electronic document received by the electronic document receiving unit 355 through the communication means may provide the security to the image content received by the information registration server 300 from the information registration terminal 380. A predetermined document file including image contents including at least one of customer (member) information, union trust information, security agreement information, and debt confirmation information included in the agreement and debt confirmation information in a watermarking manner. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). desirable.

According to another exemplary embodiment of the present invention, the security agreement and the debt confirmation electronic document received by the electronic document receiving unit 355 through the communication means, the information registration server 300 is the information registration terminal 380 At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content received from the information and the security agreement and debt confirmation information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the collateral and debt confirmation electronic document received by the electronic document receiving unit 355 through the communication means is the collateral to the image content received by the information registration server 300 from the information registration terminal 380. Image content including at least one or more of the customer (member) information, association trust information, collateral provision agreement information, debt confirmation information, debt confirmation information included in the provision agreement and the debt confirmation information and the collateral provision agreement and A predetermined document file including debt confirmation information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. Web document files).

The information generating unit 360 is a predetermined electronic document unique number (or unique information) to be assigned to the security provision agreement and the debt confirmation electronic document received through the electronic document receiving unit 355, and the electronic document receiving unit 355 Electronic document management information including electronic document storage date and time information including the date and time (or the date and time that the security agreement and debt confirmation electronic document was stored) received the security agreement and debt confirmation electronic document through It is characterized by generating.

According to the exemplary embodiment of the present invention, the information generating unit 360 refers to the information registration server 300 that transmitted the security agreement and the debt confirmation electronic document received through the electronic document receiving unit 355. It is preferable to confirm the financial institution that sent the security agreement and the debt confirmation electronic document, and generate the electronic document management information further including the confirmed financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 300 through the electronic document receiving unit 355, the information generating unit 360 receives the received information. Electronic document-related information (e.g., customer (membership) information on which a collateral provision agreement and debt confirmation letter corresponding to the image contents) and / or financial institution information transmitting the collateral provision agreement and debt confirmation electronic document, and / or electronic It is preferable to generate electronic document management information further including document file format information, and / or the above-mentioned security agreement and debt confirmation information.

The electronic document storage unit 365 associates the collateral provision agreement and debt confirmation electronic document received through the electronic document receiving unit 355 with the electronic document management information generated through the information generating unit 360 to perform a predetermined process. The electronic document is stored in the D / B 370.

According to the exemplary embodiment of the present invention, the security agreement agreement and the debt confirmation electronic document stored in the electronic document D / B 370 by the electronic document storage unit 365 are registered by the information registration server 300. It is preferable that the image file including the image content received from the terminal 380 is included as it is.

Alternatively, the security offer agreement and the debt confirmation electronic document stored in the electronic document D / B 370 by the electronic document storage unit 365 are received by the information registration server 300 from the information registration terminal 380. Image content including at least one or more of the information (customer information), association trust information, collateral provision information, debt confirmation information included in the security information and the security confirmation agreement and debt confirmation information in the watermarking method (Watermarking) It is preferable to include an image file corresponding to.

According to another exemplary embodiment of the present invention, the security agreement agreement and the debt confirmation electronic document stored in the electronic document D / B 370 by the electronic document storage unit 365 are the information registration server 300. A word processor including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including image content received from the registration terminal 380. File, or a web document file including MHT).

Alternatively, the security offer agreement and the debt confirmation electronic document stored in the electronic document D / B 370 by the electronic document storage unit 365 are received by the information registration server 300 from the information registration terminal 380. Image contents including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in the collateral provision agreement and debt confirmation information in a watermarking manner. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

According to another exemplary embodiment of the present invention, the security agreement agreement and the debt confirmation electronic document stored in the electronic document D / B 370 by the electronic document storage unit 365 are determined by the information registration server 300. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing the image contents received from the information registration terminal 380 and the security agreement and debt confirmation information. And a word processor file including at least one DOC or the like, or a web document file including an MHT.

Alternatively, the security offer agreement and the debt confirmation electronic document stored in the electronic document D / B 370 by the electronic document storage unit 365 are received by the information registration server 300 from the information registration terminal 380. Image content including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in the collateral provision agreement and debt confirmation information in a watermarking manner; A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, or the like) including the collateral provision agreement and debt confirmation information. , Or a web document file including MHT).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 370 by the electronic document storage unit 365 in association with the security provision agreement and the debt confirmation electronic document is stored in the collateral. It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the provision agreement and the debt confirmation electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management unit 365 stores the electronic document management information stored in the electronic document D / B 370 in association with the security provision agreement and the debt confirmation electronic document. It is preferable that the financial institution further includes information on the financial institution providing the security agreement and the debt confirmation electronic document, which has been confirmed with reference to the information registration server 300 which has transmitted the security agreement and the debt confirmation electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the information registration server 300, the electronic document storage unit 365 is associated with the security provision agreement and debt confirmation electronic document. The electronic document management information that is processed and stored in the electronic document D / B 370 may include the received electronic document related information (for example, customer (member) information for providing a security agreement and a debt confirmation corresponding to the image content), And / or financial institution information for transmitting the security agreement and debt confirmation electronic document, and / or the electronic document file format information, and / or the security agreement and debt verification information, etc.).

Figure 4 shows the arrangement of collateral provision agreement and debt confirmation information stored in the ledger D / B (400) provided in the DBMS on the financial system in a face-to-face manner to join the apartment remodeling business fund support loan products according to an embodiment of the present invention Figure is shown.

In more detail, FIG. 4 shows the ledger information provided in the ledger D / B 400 when the storage medium 345 shown in FIG. 3 is the ledger D / B 400 provided in the DBMS on the financial system. An information structure for an embodiment of storing a security provision agreement and debt confirmation information including the customer (member) information, union trust information, collateral provision information, and debt confirmation information is shown in the technical field to which the present invention pertains. Persons having ordinary skill in the art will be able to infer various information construction methods for storing the security agreement and debt confirmation information in the ledger D / B 400 by referring to and / or modifying the present invention. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to Figure 4 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 400 provided in the DBMS on the financial system is a predetermined customer (member) ledger and the customer (member) ledger The account ledger associated with the account (eg, the ledger, loan ledger, etc.) and at least one information associated with the account ledger are shown to be included, and a person having ordinary knowledge in the technical field to which the present invention belongs, The ledger D / B 400 provided in the DBMS on the financial system includes at least one ledger (eg, loan ledger, mortgage ledger, ...) in addition to the customer (member) ledger and account ledger shown in FIG. Or it will be clearly understood that at least one or more additional information for maintaining and managing the ledgers, and you will be familiar with the specific technical matters, Detailed description is omitted for convenience.

The head of the customer (member), CIF (Customer Information File) number, country code, contact person ID, branch number, customer (member) member classification, customer (member) member name, customer (member) member address, region identification code, telephone number, business place No., Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW , DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The director of the customer (member) includes ledger information for the customer (member) including at least one of individual customers (members), corporate customers (members), minors and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer (member) ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer (member union) ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account source. Include at least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank line, summary, CIF, etc. Including transaction history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 4, the security agreement and debt confirmation information provided through the security agreement and debt confirmation information registration system shown in FIG. 3 are stored in the form of additional information added to the account ledger. Collateral provision agreement and debt confirmation information is characterized in that it comprises at least one of customer (member) information, union trust information, collateral provision agreement information, debt confirmation information.

The association trust information includes trust establishment confirmation information regarding the conclusion of a real estate trust contract with the association with respect to a predetermined combination formed for a remodeling business for a apartment house such as an apartment owned by the customer (member); It is preferable to include real estate trust contract information prepared at the time of trust signing, and it may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation is, “I have a remodeling business (hereafter,“ the apartment ”) of the apartment (hereafter,“ the apartment housing ”) ) Is a member of the [] Association ("Borrower" or "Cooperative") formed for I have entered into a real estate trust contract with the union on the day of __________ for the apartment house [] dong [] I owned for the smooth execution of this business. . ”And may be changed according to the intention and purpose of those skilled in the art.

The information on providing the collateral may include consent information for obtaining a predetermined loan as collateral for the apartment, such as apartment owned by the customer (member), and real estate register copy information. It may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation states, “In relation to the loan agreement, your bank has requested to provide the apartment as collateral as a loan condition. As a consignor under the trust agreement in [], the union, who is a trustee, agrees to provide your bank as collateral for the loan obligations under the loan agreement as collateral as requested by your bank without any condition. The specific manners and conditions relating to the provision of security shall be entrusted to the union so that the bank and the union may decide in consultation with it. ”It is preferable to change this according to the intention and purpose of those skilled in the art.

The debt confirmation information is for the client (union) to confirm that there is a debt, with respect to the request information requesting to conclude a loan agreement with a financial institution to submit the security agreement and the debt confirmation letter to conclude a loan agreement. It is preferable to include the confirmation information and the confirmation information to repay the interest equivalent amount in the loan agreement if the union to which the customer (member) is not able to meet the debt, it may be changed according to the intention and purpose of those skilled in the art. .

For example, the statement on the cooperative trust provided in the security agreement and the debt confirmation states, “Of the above loans to the cooperative of your bank, the amount of \ __ ($ __) is the debt that you pay as a member to the union. Check. Therefore, if the union fails to repay the loan principal for your bank, I will reimburse your bank for the above debt and the interest equivalent of the loan agreement between the union and your bank. ” It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (member), which has made the security agreement and debt confirmation. Member information of the customer (member) (e.g., the customer (member)) by joining the financial transaction customer (member) of the financial institution in response to the customer (member) and the security provision agreement and debt confirmation information registration system and It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer (member union) ledger provided on the linked financial system.

According to another exemplary embodiment of the present invention, the security agreement and debt confirmation information are stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ( And the form of additional information added to the General Ledger) and / or the information included in the ledger other than the account ledger (for example, the customer (member) ledger), thereby limiting the present invention. No.

5 is a mortgage agreement and stored in the database associated with the ledger D / B 500 provided in the DBMS on the financial system in a face-to-face manner to join the apartment remodeling business fund support loan products according to another embodiment of the present invention and It is a figure which shows the structure of debt confirmation information.

In more detail, FIG. 5 shows an information structure for an implementation method in which the storage medium 345 shown in FIG. 3 is stored in a predetermined database linked to the ledger D / B 500 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 5 to transmit the security provision agreement and debt confirmation information to a predetermined database. It will be able to infer a variety of information configuration method to be stored in association with), but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 5, when the security provision agreement and debt confirmation information are not easily stored in the ledger information of the ledger D / B 500 on the DBMS provided on the financial system (for example, the policy of the financial institution) If it is not easy to change the ledger D / B 500 of the DBMS, or the system expansion is not easy due to the nature of the financial system), the agreement to provide the collateral in a predetermined database instead of the ledger D / B 500 and A method of storing debt confirmation information and linking and storing the database and the ledger D / B 500 is illustrated.

In addition, the database shown in FIG. 5 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 5, the database is characterized in that the collateral processing of the customer (union) information, association trust information, collateral provision information, debt confirmation information included in the collateral provision agreement and debt confirmation information and stored in association The collateral provision agreement and debt confirmation information may further include a CIF number corresponding to the ledger information in the collateral provision agreement and debt confirmation information to be processed in connection with the ledger D / B 500.

The association trust information includes trust establishment confirmation information regarding the conclusion of a real estate trust contract with the association with respect to a predetermined combination formed for a remodeling business for a apartment house such as an apartment owned by the customer (member); It is preferable to include real estate trust contract information prepared at the time of trust signing, and it may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation is, “I have a remodeling business (hereafter,“ the apartment ”) of the apartment (hereafter,“ the apartment housing ”) ) Is a member of the [] Association ("Borrower" or "Cooperative") formed for I have entered into a real estate trust contract with the union on the day of __________ for the apartment house [] dong [] I owned for the smooth execution of this business. . ”And may be changed according to the intention and purpose of those skilled in the art.

The information on providing the collateral may include consent information for obtaining a predetermined loan as collateral for the apartment, such as apartment owned by the customer (member), and real estate register copy information. It may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation states, “In relation to the loan agreement, your bank has requested to provide the apartment as collateral as a loan condition. As a consignor under the trust agreement in [], the union, who is a trustee, agrees to provide your bank as collateral for the loan obligations under the loan agreement as collateral as requested by your bank without any condition. The specific manners and conditions relating to the provision of security shall be entrusted to the union so that the bank and the union may decide in consultation with it. ”It is preferable to change this according to the intention and purpose of those skilled in the art.

The debt confirmation information is for the client (union) to confirm that there is a debt, with respect to the request information requesting to conclude a loan agreement with a financial institution to submit the security agreement and the debt confirmation letter to conclude a loan agreement. It is preferable to include the confirmation information and the confirmation information to repay the interest equivalent amount in the loan agreement when the union to which the customer (member) is not able to meet the debt, and may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the security agreement and the debt confirmation states, “Of the above loans to the cooperative of your bank, the amount of \ __ ($ __) is the debt that you pay as a member to the union. Check. Therefore, if the union fails to repay the loan principal for your bank, I will reimburse your bank for the above debt and the interest equivalent of the loan agreement between the union and your bank. ” It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (member), which has made the security agreement and debt confirmation. Member information of the customer (member) (e.g., the customer (member)) by joining the financial transaction customer (member) of the financial institution in response to the customer (member) and the security provision agreement and debt confirmation information registration system and It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer (member union) ledger provided on the linked financial system.

FIG. 6 is a diagram illustrating a security provision agreement and debt confirmation information stored in a DBMS provided in a banking server in a face-to-face manner for joining a multi-family remodeling business fund support loan product according to another exemplary embodiment of the present invention.

In more detail, FIG. 6 shows that a storage medium 345 shown in FIG. 3 is provided with an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the banking server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one or more banking server by referring to and / or modified in this figure Although it may be possible to infer a method of constructing information on a security provision agreement and debt confirmation information stored in a predetermined DBMS, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. No.

Referring to FIG. 6, a predetermined DBMS provided in the banking server performs a linkage process of customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and debt confirmation information. It is characterized by storing.

The association trust information includes trust establishment confirmation information regarding the conclusion of a real estate trust contract with the association with respect to a predetermined combination formed for a remodeling business for a apartment house such as an apartment owned by the customer (member); It is preferable to include real estate trust contract information prepared at the time of trust signing, and it may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation may include, "I have a remodeling business (hereafter," this apartment ") of __ apartments on __ parcels and __ parcels. ) Is a member of the [] Association ("Borrower" or "Cooperative") formed for I have entered into a real estate trust contract with the union on the day of __________ for the apartment house [] dong [] I owned for the smooth execution of this business. . ”And may be changed according to the intention and purpose of those skilled in the art.

The information on providing the collateral may include consent information for obtaining a predetermined loan as collateral for the apartment, such as apartment owned by the customer (member), and real estate register copy information. It may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation states, “In relation to the loan agreement, your bank has requested to provide the apartment as collateral as a loan condition. As a consignor under the trust agreement in [], the union, who is a trustee, agrees to provide your bank as collateral for the loan obligations under the loan agreement as collateral as requested by your bank without any condition. The specific manners and conditions relating to the provision of security shall be entrusted to the union so that the bank and the union may decide in consultation with it. ”It is preferable to change this according to the intention and purpose of those skilled in the art.

The debt confirmation information is for the client (union) to confirm that there is a debt, with respect to the request information requesting to conclude a loan agreement with a financial institution to submit the security agreement and the debt confirmation letter to conclude a loan agreement. It is preferable to include the confirmation information and the confirmation information to repay the interest equivalent amount in the loan agreement when the union to which the customer (member) is not able to meet the debt, and may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the security agreement and the debt confirmation states, “Of the above loans to the cooperative of your bank, the amount of \ __ ($ __) is the debt that you pay as a member to the union. Check. Therefore, if the union fails to repay the loan principal for your bank, I will reimburse your bank for the above debt and the interest equivalent of the loan agreement between the union and your bank. ” It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (member), which has made the security agreement and debt confirmation. Member information of the customer (member) (e.g., the customer (member)) by joining the financial transaction customer (member) of the financial institution in response to the customer (member) and the security provision agreement and debt confirmation information registration system and It is preferable to include at least one member ID information, or CIF (Customer Information File) number and the like provided to the customer (member union) ledger provided on the linked financial system.

7A and 7B illustrate a process of registering collateral provision agreement and debt confirmation information in a face-to-face manner according to one embodiment of the present invention.

In more detail, Figures 7a and 7b are the window terminal 375 provided with the information registration terminal 380 on the security agreement and debt confirmation information registration system shown in Figure 3 is provided in the branch (or branch) of the financial institution, In the case where the information registration server 300 has a ledger server (not shown) function on the financial system associated with the teller terminal 375 through a predetermined financial network, a predetermined customer (member) is a multi-family remodeling business. If you fill out and submit a security agreement and debt confirmation including at least one of customer (member) information, union trust information, mortgage agreement information, and debt confirmation information to join a funded loan product, a predetermined counter terminal (375) Acquires predetermined image contents corresponding to the collateral provision agreement and the debt confirmation through a predetermined image acquisition device, and the security provision agreement through a predetermined information registration interface. When the security confirmation information registration system provides the security agreement and debt confirmation information corresponding to the security agreement and the debt confirmation and the image content obtained from the security agreement and the debt confirmation, a predetermined collateral including the image content Provision of agreement and debt confirmation electronic document is generated and stored in a predetermined electronic document repository, and the customer (member) information, association trust information, security agreement information, and debt confirmation information included in the security agreement and debt confirmation information. The present invention relates to an embodiment of the present invention, which relates to a predetermined storage medium 345, and specifically stores predetermined image contents corresponding to the security agreement and debt confirmation through the predetermined image obtaining apparatus in the window terminal 375. FIG. After obtaining and transmitting to the information registration server 300, the collateral provision agreement and debt confirmation Response to the collateral agreement and debt information to determine the input (or selected) shows an exemplary method for transmitting to the information registering server 300.

Persons of ordinary skill in the art to which the present invention pertains refer to and / or modify the drawings 7a and 7b to confirm the collateral provision agreement and the debts from the window terminal 375 to the information registration server 300. Various implementation methods for registering information may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, in the embodiment shown in FIGS. 7A and 7B, the teller terminal 375 acquires predetermined image contents corresponding to the security agreement and debt confirmation through a predetermined image acquisition device, and / or Although the user interface for inputting (or selecting) the collateral provision agreement and the debt confirmation information corresponding to the security provision agreement and the debt confirmation is illustrated as being provided from the information registration server 300, it is prescribed in the window terminal 375. If the information registration program is provided, the user interface may not be provided from the information registration server 300, whereby the present invention is not limited.

7a and 7b, the window terminal 375 shown in FIG. 3 is referred to as a "terminal" for convenience, and the information registration server 300 shown in FIG. 3 is referred to as a "server" for convenience. The customer (member) information, union trust information, collateral provision agreement information, debt confirmation information transmitted from the counter terminal 375 to the information registration server 300 is referred to as "collateral provision agreement and debt confirmation information" for convenience.

Referring to FIGS. 7A and 7B, a predetermined customer (member) includes at least one of customer (member) information, union trust information, collateral provision information, and debt confirmation information to join a multi-unit remodeling business fund support loan product. When the security provision agreement and the debt confirmation form are prepared and submitted, the teller terminal 375 shown in FIG. 3 connects to the server through a predetermined financial network and connects the predetermined communication channel to the security provision agreement. When requesting a user interface for subscribing to the apartment remodeling business fund support loan product corresponding to the debt confirmation (700), in response, the server provides the collateral created by the customer (member) through a predetermined image acquisition device in the terminal. A user interface for acquiring and transmitting predetermined image content corresponding to the agreement and debt confirmation. Sex (or extract), and 705, and outputs through the financial network transmits the generated user interface (or extract) to the mobile station 710. The

Thereafter, the terminal acquires the image contents corresponding to the security provision agreement and the debt confirmation through the predetermined image acquisition apparatus based on the user interface (715).

If image content corresponding to the security provision agreement and debt confirmation is obtained through the image acquisition device (720), the terminal transmits the obtained image content to the server through the financial network (725).

Thereafter, the server provides security agreement and debt confirmation including at least one of customer (member) information, association trust information, security agreement information, and debt confirmation information corresponding to the security agreement and debt confirmation agreement matching the image contents. A user interface for inputting (or selecting) information to be transmitted to the server is generated (or extracted) (730), and the generated (or extracted) user interface is transmitted to the terminal through the financial network and outputted ( 735).

Thereafter, the terminal inputs (or selects) collateral provision agreement and debt confirmation information including at least one of the customer (member) information, union trust information, collateral provision agreement information, and debt confirmation information through the user interface ( 740).

If the security provision agreement and debt confirmation information including at least one of the customer (union) information, union trust information, collateral provision agreement information and debt confirmation information are input (or selected) through the user interface (745), the The terminal transmits the input (or selection) of the collateral provision agreement and the debt confirmation information to the server through the financial network (750).

Thereafter, the server receives and reads the collateral providing agreement and the debt confirmation information including at least one of the customer (member) information, union trust information, collateral provision information, and debt confirmation information through the financial network to provide the collateral. Validate the consent and debt confirmation information (755).

According to the implementation method of the present invention, the confirmation of the validity of the security provision agreement and the debt confirmation information is provided to the ledger D / B (500) on the financial system associated with the security provision agreement and debt confirmation information registration system and It is preferable to include checking whether at least one ledger information matching the debt confirmation information is registered.

In addition, the verification of the validity of the security provision agreement and the debt confirmation information is at least matched to the security provision agreement and debt confirmation information in the registered D / B on the registry system associated with the security provision agreement and debt confirmation information registration system. It is preferable to include checking whether one or more registration information is registered.

For example, the server may include the customer (member) information (customer (member) personal information, member information, etc.) among the information included in the security provision agreement and debt confirmation information, and the security provision agreement and debt confirmation information registration system. It is preferably made to include matching with the customer (member union) ledger stored in the ledger D / B 500 on the linked financial system.

In addition, the validity confirmation of the security provision agreement and the debt confirmation information is registered in the security provision agreement and debt confirmation information, the registered copy information included in the information on the security provision agreement is registered in the security provision agreement and debt confirmation information It is preferable to include a check that matches the registration information stored in the registration D / B on the registry system associated with the system.

If the validity of the security provision agreement and debt confirmation information is not authenticated (760), the server generates predetermined information registration error information and transmits it to the terminal (765), and the security provision agreement and debt verification information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the security agreement and the debt confirmation information is authenticated (760), the server generates a predetermined security agreement and debt confirmation electronic document containing the image content (770).

According to an exemplary embodiment of the present invention, the server subscribes to the apartment remodeling business fund support loan product as it is, the image file including the image content received from the information registration terminal 380 through the image receiving unit 320. It is advisable to treat the collateral provision agreement and the debt confirmation electronic document.

Alternatively, the server may include a customer (union member) included in the collateral provision agreement and debt confirmation information received through the information receiver 315 in the image content received from the information registration terminal 380 through the image receiver 320. ) The image file corresponding to the image content including at least one or more information, such as trust information, collateral provision information, debt confirmation information by watermarking (Watermarking) method for joining the apartment remodeling business funds support loan products It is desirable to create a security agreement and a debt confirmation electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 380 through the image receiving unit 320. A file, or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is desirable to create a collateral provision agreement and a debt confirmation electronic document.

Alternatively, the server may include a customer (union member) included in the collateral provision agreement and debt confirmation information received through the information receiver 315 in the image content received from the information registration terminal 380 through the image receiver 320. ) An image content including at least one or more of information, a combination trust information, security agreement information, and debt confirmation information by a watermarking method, and a predetermined document file including the generated image content (e.g., , A portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is advisable to create a collateral provision agreement and a debt confirmation electronic document to join the remodeling business financing loan product.

According to another exemplary embodiment of the present invention, the server provides the security agreement provided through the image receiving unit 315 and the image content received from the information registration terminal 380 through the image receiving unit 320 and A predetermined document file including debt confirmation information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. By generating a web document file, etc., it is preferable to generate a security provision agreement and a debt confirmation electronic document for subscribing to the apartment remodeling business fund support loan product.

Alternatively, the server may include a customer (union member) included in the collateral provision agreement and debt confirmation information received through the information receiver 315 in the image content received from the information registration terminal 380 through the image receiver 320. ) Generate image content including at least one of information, a combination trust information, security agreement information, and debt confirmation information by a watermarking method, and the generated image content and the security agreement and debt confirmation information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), the security agreement and the debt confirmation electronic document for joining the apartment remodeling business capital assistance loan product Castle it is preferable to.

Those skilled in the art to which the present invention pertains can include technical features for generating a security agreement and a debt confirmation electronic document in an image file format and / or a predetermined document file format, the security agreement and Since the technical characteristics of the file format for the image file and / or the document file corresponding to the debt confirmation electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated security provision agreement and debt confirmation electronic document in a predetermined electronic document storage (775).

As shown in FIG. 3, the electronic document repository is connected to a server on the security provision agreement and debt confirmation information registration system through a predetermined communication means, and a predetermined electronic document server 350 and an electronic document D / B 370. In case of being provided externally, the server transmits the generated security provision agreement and debt confirmation electronic document to the electronic document server 350 through the communication means, so that the electronic document D / B 370 is provided. It is preferable to store in.

Alternatively, when the electronic document repository is provided on a DBMS provided in the security provision agreement and debt confirmation information registration system, the server checks the security agreement and debt confirmation electronic document generated by the security agreement and debt verification. It is possible to store in the electronic document D / B 370 corresponding to the electronic document storage on the DBMS provided in the information registration system, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the security agreement and the debt confirmation electronic document in the electronic document repository may be performed by linking the generated security provision agreement and the debt confirmation electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (370) shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the security provision agreement and the debt confirmation electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the security agreement and the debt confirmation electronic document.

Further, the electronic document management information may include predetermined electronic document related information (for example, information on a customer (member) who created a security agreement and a debt confirmation corresponding to the image content) and / or the security agreement and a debt confirmation electronic document. Financial institution information to be transmitted, and / or electronic document file format information, and / or the security provision agreement and debt confirmation information).

If the collateral providing agreement and the debt confirmation electronic document are stored in the electronic document repository (780), the server provides the customer (member) information, association trust information, and collateral provision agreement included in the collateral providing agreement and the debt confirmation information. The information and the debt confirmation information are linked and stored in a predetermined storage medium 505 (785), and the predetermined information registration history information (e.g., the details of storing the security agreement and the debt confirmation electronic document in the electronic document repository). , And / or (b) details of storing the collateral provision agreement and debt confirmation information in the storage medium 505 and transmits them to the terminal (790).

According to an embodiment of the present invention, the storage medium 505 is provided on the security provision agreement and debt confirmation information registration system (or associated with the security agreement and debt confirmation information registration system) DBMS on the financial system Preferably, the storage medium 505 is a ledger D / B (500) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (500) The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 505 is provided on (or associated with) the security agreement and debt confirmation information registration system, and / or a telebanking system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

8A and 8B illustrate a process of registering collateral provision agreement and debt confirmation information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B are window terminals 375 provided with a financial institution branch (or branch) with an information registration terminal 380 on the security provision agreement and debt confirmation information registration system shown in FIG. In the case where the information registration server 300 has a ledger server (not shown) function on the financial system associated with the teller terminal 375 through a predetermined financial network, a predetermined customer (member) is a multi-family remodeling business. If you fill out and submit a security agreement and debt confirmation including at least one of customer (member) information, union trust information, mortgage agreement information, and debt confirmation information to join a funded loan product, a predetermined counter terminal (375) Acquires predetermined image contents corresponding to the collateral provision agreement and the debt confirmation through a predetermined image acquisition device, and the security provision agreement through a predetermined information registration interface. When the security confirmation information registration system provides the security agreement and debt confirmation information corresponding to the security agreement and the debt confirmation and the image content obtained from the security agreement and the debt confirmation, a predetermined collateral including the image content Provision of agreement and debt confirmation electronic document is generated and stored in a predetermined electronic document repository, and the customer (member) information, association trust information, security agreement information, and debt confirmation information included in the security agreement and debt confirmation information. A method of implementing the linkage process and storing the data in a predetermined storage medium 505. Specifically, the counter terminal 375 inputs (or selects) the security provision agreement and the debt confirmation information corresponding to the security provision agreement and the debt confirmation. After transmitting to the information registration server 300, through the predetermined image acquisition device for providing the collateral And it is one to obtain the desired image content corresponding to the confirmation debt showing the exemplary method of transmitting to the information registering server 300.

Persons of ordinary skill in the art to which the present invention pertains refer to and / or modify the drawings 8a and 8b to confirm the agreement of providing the security and the debts from the window terminal 375 to the information registration server 300. Various implementation methods for registering information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 8A and 8B.

For example, in the embodiment shown in FIGS. 8A and 8B, the counter terminal 375 acquires predetermined image contents corresponding to the security provision agreement and debt confirmation through a predetermined image acquisition device, and / or the Although the user interface for inputting (or selecting) the collateral provision agreement and the debt confirmation information corresponding to the security provision agreement and the debt confirmation is illustrated as being provided from the information registration server 300, it is prescribed in the window terminal 375. If the information registration program is provided, the user interface may not be provided from the information registration server 300, whereby the present invention is not limited.

Hereinafter, the window terminal 375 shown in FIG. 3 in FIG. 8A and FIG. 8B will be referred to as "terminal" for convenience, and the information registration server 300 shown in FIG. 3 will be referred to as "server" for convenience. The customer (member) information, union trust information, collateral provision agreement information, debt confirmation information transmitted from the counter terminal 375 to the information registration server 300 is referred to as "collateral provision agreement and debt confirmation information" for convenience.

Referring to FIGS. 8A and 8B, a predetermined customer (member) includes at least one of customer (member) information, union trust information, collateral provision information, and debt confirmation information in order to join the apartment remodeling business fund support loan product. When the security provision agreement and the debt confirmation form are prepared and submitted, the teller terminal 375 shown in FIG. 3 connects to the server through a predetermined financial network and connects the predetermined communication channel to the security provision agreement. When requesting a user interface for subscribing to the apartment remodeling business fund support loan product corresponding to the debt confirmation (800), in response, the server responds to the collateral provision agreement and the debt confirmation written by the customer (member). ) Mortgage agreement and debt confirmation policy that includes at least one of information, union trust information, collateral provision agreement information and debt confirmation information. Generates (or extracts) a user interface for inputting (or selecting) to the server (805), and transmits the generated (or extracted) user interface to the terminal through the financial network and outputs the data (810). ).

Thereafter, the terminal inputs (or selects) collateral provision agreement and debt confirmation information including at least one of the customer (member) information, union trust information, collateral provision agreement information, and debt confirmation information through the user interface ( 815).

If the security provision agreement and debt confirmation information including at least one of the customer (union) information, union trust information, collateral provision agreement information and debt confirmation information are input (or selected) through the user interface (820), the The terminal transmits the input (or selection) of the collateral provision agreement and debt confirmation information to the server through the financial network (825).

Thereafter, the server receives and reads the collateral providing agreement and the debt confirmation information including at least one of the customer (member) information, union trust information, collateral provision information, and debt confirmation information through the financial network to provide the collateral. The validity of the consent and debt confirmation information is verified (830).

According to the implementation method of the present invention, the confirmation of the validity of the security provision agreement and the debt confirmation information is provided to the ledger D / B (500) on the financial system associated with the security provision agreement and debt confirmation information registration system and It is preferable to include checking whether at least one ledger information matching the debt confirmation information is registered.

In addition, the verification of the validity of the security provision agreement and the debt confirmation information is at least matched to the security provision agreement and debt confirmation information in the registered D / B on the registry system associated with the security provision agreement and debt confirmation information registration system. It is preferable to include checking whether one or more registration information is registered.

For example, the server may include the customer (member) information (customer (member) personal information, member information, etc.) among the information included in the security provision agreement and debt confirmation information, and the security provision agreement and debt confirmation information registration system. It is preferably made to include matching with the customer (member union) ledger stored in the ledger D / B 500 on the linked financial system.

In addition, the validity confirmation of the security provision agreement and the debt confirmation information is registered in the security provision agreement and debt confirmation information, the registered copy information included in the information on the security provision agreement is registered in the security provision agreement and debt confirmation information It is preferable to include a check that matches the registration information stored in the registration D / B on the registry system associated with the system.

If the validity of the security provision agreement and the debt confirmation information is not authenticated (835), the server generates predetermined information registration error information and transmits it to the terminal (840), and the security provision agreement and debt confirmation information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the security agreement and the debt confirmation information is authenticated (835), the server is a predetermined corresponding to the security agreement and debt confirmation written by the customer (member) through a predetermined image acquisition device in the terminal A user interface for acquiring and transmitting image content to the server is generated (or extracted) (845), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (850).

Thereafter, the terminal acquires the image content corresponding to the security provision agreement and the debt confirmation through a predetermined image acquisition device based on the user interface (855).

If image content corresponding to the security provision agreement and debt confirmation is obtained through the image acquisition device (860), the terminal transmits the obtained image content to the server through the financial network (865).

The server receiving the security provision agreement and the debt confirmation information and the image content from the terminal generates a predetermined security provision agreement and the debt confirmation electronic document including the image content (870).

According to an exemplary embodiment of the present invention, the server subscribes to the apartment remodeling business fund support loan product as it is, the image file including the image content received from the information registration terminal 380 through the image receiving unit 320. It is advisable to treat the collateral provision agreement and the debt confirmation electronic document.

Alternatively, the server may include a customer (union member) included in the collateral provision agreement and debt confirmation information received through the information receiver 315 in the image content received from the information registration terminal 380 through the image receiver 320. ) The image file corresponding to the image content including at least one or more information, such as trust information, collateral provision information, debt confirmation information by watermarking (Watermarking) method for joining the apartment remodeling business funds support loan products It is desirable to create a security agreement and a debt confirmation electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 380 through the image receiving unit 320. A file, or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is desirable to create a collateral provision agreement and a debt confirmation electronic document.

Alternatively, the server may include a customer (union member) included in the collateral provision agreement and debt confirmation information received through the information receiver 315 in the image content received from the information registration terminal 380 through the image receiver 320. ) An image content including at least one or more of information, a combination trust information, security agreement information, and debt confirmation information by a watermarking method, and a predetermined document file including the generated image content (e.g., , A portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is advisable to create a collateral provision agreement and a debt confirmation electronic document to join the remodeling business financing loan product.

According to another exemplary embodiment of the present invention, the server provides the security agreement provided through the image receiving unit 315 and the image content received from the information registration terminal 380 through the image receiving unit 320 and A predetermined document file including debt confirmation information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. By generating a web document file, etc., it is preferable to generate a security provision agreement and a debt confirmation electronic document for subscribing to the apartment remodeling business fund support loan product.

Alternatively, the server may include a customer (union member) included in the collateral provision agreement and debt confirmation information received through the information receiver 315 in the image content received from the information registration terminal 380 through the image receiver 320. ) Generate image content including at least one of information, a combination trust information, security agreement information, and debt confirmation information by a watermarking method, and the generated image content and the security agreement and debt confirmation information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), the security agreement and the debt confirmation electronic document for joining the apartment remodeling business capital assistance loan product Castle it is preferable to.

Those skilled in the art to which the present invention pertains can include technical features for generating a security agreement and a debt confirmation electronic document in an image file format and / or a predetermined document file format, the security agreement and Since the technical characteristics of the file format for the image file and / or the document file corresponding to the debt confirmation electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated security provision agreement and debt confirmation electronic document in a predetermined electronic document storage (875).

As shown in FIG. 3, the electronic document repository is connected with a server on the security provision agreement and debt confirmation information registration system through predetermined communication means, and the electronic document D / B 370 In case of being provided externally, the server transmits the generated security provision agreement and debt confirmation electronic document to the electronic document server 350 through the communication means, so that the electronic document D / B 370 is provided. It is preferable to store in.

Alternatively, when the electronic document repository is provided on a DBMS provided in the security provision agreement and debt confirmation information registration system, the server checks the security agreement and debt confirmation electronic document generated by the security agreement and debt verification. It is possible to store in the electronic document D / B 370 corresponding to the electronic document storage on the DBMS provided in the information registration system, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the security agreement and the debt confirmation electronic document in the electronic document repository may be performed by linking the generated security provision agreement and the debt confirmation electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (370) shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the security provision agreement and the debt confirmation electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the security agreement and the debt confirmation electronic document.

Further, the electronic document management information may include predetermined electronic document related information (for example, information on a customer (member) who created a security agreement and a debt confirmation corresponding to the image content) and / or the security agreement and a debt confirmation electronic document. Financial institution information to be transmitted, and / or electronic document file format information, and / or the security provision agreement and debt confirmation information).

If the collateral providing agreement and the debt confirmation electronic document are stored in the electronic document repository (880), the server provides the customer (member) information, association trust information, and collateral provision agreement included in the collateral providing agreement and debt confirmation information. The information and the debt confirmation information in association with the predetermined storage medium 505 and store it (885), and the predetermined information registration history information (e.g., the details of storing the security agreement and the debt confirmation electronic document in the electronic document repository). , And / or (b) details of storing the collateral provision agreement and debt confirmation information in the storage medium 505 and transmits them to the terminal (890).

According to an embodiment of the present invention, the storage medium 505 is provided on the security provision agreement and debt confirmation information registration system (or associated with the security agreement and debt confirmation information registration system) DBMS on the financial system Preferably, the storage medium 505 is a ledger D / B (500) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (500) The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 505 is provided on (or associated with) the security agreement and debt confirmation information registration system, and / or a telebanking system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

9A and 9B illustrate a process of registering collateral provision agreement and debt confirmation information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figures 9a and 9b are the counter terminal 375 provided with the information registration terminal 380 on the collateral provision agreement and debt confirmation information registration system shown in Figure 3 at a financial institution branch (or branch), In the case where the information registration server 300 has a ledger server (not shown) function on the financial system associated with the window terminal 375 through a predetermined financial network, a predetermined customer (member) is a multi-family remodeling project. If you fill out and submit a security agreement and debt confirmation including at least one of customer (member) information, union trust information, mortgage agreement information, and debt confirmation information to join a funded loan product, a predetermined counter terminal (375) Acquires predetermined image contents corresponding to the collateral provision agreement and the debt confirmation through a predetermined image acquisition device, and the security provision agreement through a predetermined information registration interface. And providing the security confirmation agreement and the debt confirmation information corresponding to the security agreement and the debt confirmation information and the image content obtained from the security agreement and the debt confirmation to the debt confirmation information registration system. Providing collateral provision agreement and debt confirmation electronic document and storing it in a predetermined electronic document repository, and the customer (member) information, union trust information, collateral provision agreement information, debt confirmation information included in the collateral provision agreement and debt confirmation information The present invention relates to an embodiment of the present invention, which relates to a predetermined storage medium 345, and specifically stores predetermined image contents corresponding to the security agreement and debt confirmation through the predetermined image obtaining apparatus in the window terminal 375. FIG. Acquisition of the security agreement and the security agreement corresponding to the security agreement and debt confirmation The information input (or selected) shows an exemplary method for transmitting to the information registering server 300.

Persons of ordinary skill in the art to which the present invention pertains refer to and / or modify the drawings 9a and 9b to confirm the agreement of providing the collateral and the debts from the counter terminal 375 to the information registration server 300. Various implementation methods for registering information may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 9A and 9B.

For example, in the embodiment shown in FIGS. 9A and 9B, the counter terminal 375 acquires predetermined image contents corresponding to the security agreement and debt confirmation through a predetermined image acquisition device, and / or Although the user interface for inputting (or selecting) the collateral provision agreement and the debt confirmation information corresponding to the security provision agreement and the debt confirmation is illustrated as being provided from the information registration server 300, it is prescribed in the window terminal 375. If the information registration program is provided, the user interface may not be provided from the information registration server 300, whereby the present invention is not limited.

9a and 9b, the window terminal 375 shown in FIG. 3 is referred to as a "terminal" for convenience, and the information registration server 300 shown in FIG. 3 is referred to as a "server" for convenience. The customer (member) information, union trust information, collateral provision agreement information, debt confirmation information transmitted from the counter terminal 375 to the information registration server 300 is referred to as "collateral provision agreement and debt confirmation information" for convenience.

9A and 9B, a predetermined customer (member) includes at least one of customer (member) information, union trust information, mortgage agreement information, and debt confirmation information in order to join the apartment remodeling business fund support loan product. When the security provision agreement and the debt confirmation form are prepared and submitted, the teller terminal 375 shown in FIG. 3 connects to the server through a predetermined financial network and connects the predetermined communication channel to the security provision agreement. When requesting a user interface for subscribing to the apartment remodeling business fund support loan product corresponding to the debt confirmation (900), in response, the server corresponds to the security provision agreement and the debt confirmation written by the customer (member) in the terminal. Entering (or selecting) collateral provision agreement and debt confirmation information, and providing the collateral provision agreement and debt through a predetermined image acquisition device Generating (or extracting) a user interface for acquiring and transmitting predetermined image content corresponding to an insert to the server (905), and transmitting the generated (or extracted) user interface to the terminal through the financial network; Output 910.

Thereafter, the terminal inputs (or selects) collateral provision agreement and debt confirmation information including at least one of the customer (member) information, union trust information, collateral provision agreement information, and debt confirmation information through the user interface ( 915).

If the security agreement and debt confirmation information including at least one or more of the customer (union) information, union trust information, security agreement information, debt confirmation information is input (or selected) through the user interface (920), the The terminal acquires image content corresponding to the collateral provision agreement and debt confirmation through a predetermined image acquisition device based on the user interface (925).

If the image content corresponding to the security provision agreement and the debt confirmation is obtained through the image acquisition device (930), the terminal transmits the security provision agreement and debt confirmation information and the image content to the server through the financial network. (935)

Thereafter, the server receives and reads the collateral providing agreement and the debt confirmation information including at least one of the customer (member) information, union trust information, collateral provision information, and debt confirmation information through the financial network to provide the collateral. Validate the consent and debt confirmation information (940).

According to the implementation method of the present invention, the confirmation of the validity of the security provision agreement and the debt confirmation information is provided to the ledger D / B (500) on the financial system associated with the security provision agreement and debt confirmation information registration system and It is preferable to include checking whether at least one ledger information matching the debt confirmation information is registered.

In addition, the verification of the validity of the security provision agreement and the debt confirmation information is at least one matching the security provision agreement and debt confirmation information to the registered D / B on the registry system associated with the security provision agreement and debt confirmation information registration system It is preferable to include checking whether the above registered information is registered.

For example, the server may include the customer (member) information (customer (member) personal information, member information, etc.) among the information included in the security provision agreement and debt confirmation information, and the security provision agreement and debt confirmation information registration system. It is preferably made to include matching with the customer (member union) ledger stored in the ledger D / B 500 on the linked financial system.

In addition, the validity confirmation of the security provision agreement and the debt confirmation information is registered in the security provision agreement and debt confirmation information, the registered copy information included in the information on the security provision agreement is registered in the security provision agreement and debt confirmation information It is preferable to include a check that matches the registration information stored in the registration D / B on the registry system associated with the system.

If the validity of the security agreement and the debt confirmation information is not authenticated (945), the server generates predetermined information registration error information and transmits it to the terminal (950), and the security agreement and debt confirmation information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the security agreement and the debt confirmation information is authenticated (945), the server generates a predetermined security agreement and debt confirmation electronic document containing the image content (955).

According to an exemplary embodiment of the present invention, the server subscribes to the apartment remodeling business fund support loan product as it is, the image file including the image content received from the information registration terminal 380 through the image receiving unit 320. It is advisable to treat the collateral provision agreement and the debt confirmation electronic document.

Alternatively, the server may include a customer (union member) included in the collateral provision agreement and debt confirmation information received through the information receiver 315 in the image content received from the information registration terminal 380 through the image receiver 320. ) The image file corresponding to the image content including at least one or more information, such as trust information, collateral provision information, debt confirmation information by watermarking (Watermarking) method for joining the apartment remodeling business funds support loan products It is desirable to create a security agreement and a debt confirmation electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 380 through the image receiving unit 320. File, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a collateral provision agreement and debt confirmation electronic document for subscription.

Alternatively, the server may include a customer (union member) included in the collateral provision agreement and debt confirmation information received through the information receiver 315 in the image content received from the information registration terminal 380 through the image receiver 320. ) An image content including at least one or more of information, a combination trust information, security agreement information, and debt confirmation information by a watermarking method, and a predetermined document file including the generated image content (e.g., , A portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is advisable to create a collateral provision agreement and a debt confirmation electronic document to join the remodeling business financing loan product.

According to another exemplary embodiment of the present invention, the server provides the security agreement provided through the image receiving unit 315 and the image content received from the information registration terminal 380 through the image receiving unit 320 and A predetermined document file including debt confirmation information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. By generating a web document file, etc.), it is preferable to generate a security agreement and a debt confirmation electronic document for joining the apartment remodeling business fund support loan product.

Alternatively, the server may include a customer (union member) included in the collateral provision agreement and debt confirmation information received through the information receiver 315 in the image content received from the information registration terminal 380 through the image receiver 320. ) Generate image content including at least one of information, a combination trust information, security agreement information, and debt confirmation information by a watermarking method, and the generated image content and the security agreement and debt confirmation information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), the security agreement and the debt confirmation electronic document for joining the apartment remodeling business capital assistance loan product Castle it is preferable to.

Those skilled in the art to which the present invention pertains can include technical features for generating a security agreement and a debt confirmation electronic document in an image file format and / or a predetermined document file format, the security agreement and Since the technical characteristics of the file format for the image file and / or the document file corresponding to the debt confirmation electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated security provision agreement and debt confirmation electronic document in a predetermined electronic document storage (960).

As shown in FIG. 3, the electronic document repository is connected with a server on the security provision agreement and debt confirmation information registration system through predetermined communication means, and the electronic document D / B 370 In case of being provided externally, the server transmits the generated security provision agreement and debt confirmation electronic document to the electronic document server 350 through the communication means, so that the electronic document D / B 370 is provided. It is preferable to store in.

Alternatively, when the electronic document repository is provided on a DBMS provided in the security provision agreement and debt confirmation information registration system, the server checks the security agreement and debt confirmation electronic document generated by the security agreement and debt verification. It is possible to store in the electronic document D / B 370 corresponding to the electronic document storage on the DBMS provided in the information registration system, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the security agreement and the debt confirmation electronic document in the electronic document storage, by linking the generated security provision agreement and the debt before consultation with the predetermined electronic document management information It is preferable to include storing in the electronic document D / B (370) shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the security provision agreement and the debt confirmation electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the security agreement and the debt confirmation electronic document.

Further, the electronic document management information may include predetermined electronic document related information (for example, information on a customer (member) who created a security agreement and a debt confirmation corresponding to the image content) and / or the security agreement and a debt confirmation electronic document. Financial institution information to be transmitted, and / or electronic document file format information, and / or the security provision agreement and debt confirmation information).

If the collateral providing agreement and the debt confirmation electronic document are stored in the electronic document repository (965), the server provides the customer (member) information, union trust information, and collateral provision agreement included in the collateral providing agreement and debt confirmation information. The information and the debt confirmation information are linked and stored in a predetermined storage medium 505 (970), and the predetermined information registration history information (e.g., the details of storing the security agreement and the debt confirmation electronic document in the electronic document repository). , And / or (b) details of storing the collateral provision agreement and debt confirmation information in the storage medium 505 and transmits them to the terminal (975).

According to an embodiment of the present invention, the storage medium 505 is provided on the security provision agreement and debt confirmation information registration system (or associated with the security agreement and debt confirmation information registration system) DBMS on the financial system Preferably, the storage medium 505 is a ledger D / B (500) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (500) The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 505 is provided on (or associated with) the security agreement and debt confirmation information registration system, and / or a telebanking system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

Drawing 3-Collateral provision agreement and debt confirmation information registration system

Drawing 4-Save to Ledger

Drawing 5-Database associated with ledger

Figure 6-DBMS of Banking Server

Figure 7-Information registration process 1-Web server

Drawing 8-Information registration process 2-Internet banking

Sign up for loans for apartment remodeling business funds

Collateral provision agreement and debt confirmation information-collectively

Customer (member) information, union trust information, collateral provision agreement information, debt confirmation information-information that constitutes collateral provision agreement and debt confirmation information

[Configuration information 1], [Customer (member) ledger / account ledger]-> Direct edit

3 is a diagram illustrating a non-face-to-face collateral provision agreement and debt confirmation information registration system for subscribing to a multi-family remodeling business fund support loan product according to another exemplary embodiment of the present invention.

In more detail, Figure 3 is a predetermined customer (members) through a predetermined information registration interface to provide a security agreement and debt confirmation information registration system customer (members) information, combinations to join the apartment remodeling business fund support loan products When providing a security provision agreement and debt confirmation information including at least one or more of trust information, security provision agreement information, and debt confirmation information, the security provision agreement and debt confirmation information registration system includes the provided security provision agreement and debt verification information. Generates a predetermined collateral provision agreement and debt confirmation electronic document to be stored in a predetermined electronic document storage, and the customer (member) information, union trust information, collateral provision agreement information contained in the collateral provision agreement and debt confirmation information , A system configuration for linking debt confirmation information to a predetermined storage medium 345 and storing it Standing, it relates to a method carried out in particular that the electronic document repository is provided on the external system associated with the security service agreement and debt verification information registration system through a predetermined communication means.

Those skilled in the art to which the present invention pertains, various implementations of the security provision agreement and debt confirmation information registration system configuration for joining the apartment remodeling business fund support loan product by referring to and / or modifying the Figure 3 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 3 so that the electronic document repository is provided in a DBMS in which the security agreement and debt confirmation information registration system are located. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 3, the security agreement and the debt confirmation electronic document are described as being generated on the server side on the security agreement and debt confirmation information registration system. The present invention is not limited thereto, and the security provision agreement and debt confirmation electronic document may be generated at the terminal side which inputs (or selects) the security provision agreement and debt confirmation information (for example, the electronic document provided at the server side). Generation function is provided on the terminal side to generate the security agreement and debt confirmation electronic document), whereby the present invention is not limited.

Hereinafter, the security provision agreement and debt confirmation information are received from the customer (member) through the predetermined information registration interface on the security provision agreement and debt confirmation information registration system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for generating an electronic document and storing the electronic document in a predetermined electronic document storage and storing the security agreement and debt confirmation information in a predetermined storage medium 345 for convenience " Information registration server 300 ".

Referring to FIG. 3 according to an embodiment of the present invention, the security agreement and debt confirmation information registration system for subscribing to the apartment remodeling business fund support loan product is a wired terminal and / or a wireless terminal used by a customer (member). And an information registration terminal 380 including at least one client terminal including at least one or more, wherein the information registration terminal 380 is provided through the predetermined network means. The communication channel is connected to the information registration server 300 provided on the confirmation information registration system.

According to an embodiment of the present invention, the customer (member) is connected to the information registration server 300 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. When the client accesses and inputs (or selects) a security provision agreement and debt confirmation information for joining the apartment remodeling business fund support loan product through at least one user interface provided by the information registration server 300, the client terminal In the preferred means through the predetermined network means to transmit to the information registration server 300 provided on the security agreement and debt confirmation information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

In addition, the information registration server 300 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 300 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based based on the type of wireless communication network connected to the client terminal It is preferable to include any of the portable Internet and / or IEEE 802.11x-based wireless LAN, and / or all kinds of wireless communication networks proposed in the future, including a predetermined wireless section.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 300, and inputs and / or selects at least one or more information through the user interface to the information registration server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 300, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the above-mentioned security provision agreement and debt confirmation information registration system, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer (member), the client terminal and the information registration server 300 At least one wired and / or wireless communication network for connecting the service provider performs a function of an information registration interface for registering a security agreement and debt confirmation information for the customer (member) to join the apartment remodeling business fund support loan product. Do.

According to another exemplary embodiment of the present invention, the information registration terminal 380 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the above-mentioned security provision agreement and debt confirmation information registration system, when the information registration terminal 380 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) ) And the financial network connecting the information registration server 300 is a function of the information registration interface for the customer (members) to register the mortgage provision agreement and debt confirmation information for joining the apartment remodeling business fund support loan products And / or connecting the call terminal (not shown) and the call terminal (not shown) with the information registration server 300 when the information registration terminal 380 is the call terminal (not shown). Wired and / or wireless telephone networks allow the customer (members) to register a mortgage agreement and debt verification information to join the apartment remodeling business funded loan product. In the case of a terminal (and / or server) (not shown) which performs a function of an information registration interface and / or is provided in an institution affiliated with the financial institution that is the information registration terminal 380, the terminal (and / or Or a network connecting the server (not shown) and the terminal (and / or server) (not shown) and the information registration server 300 allows the customer (member) to join the apartment remodeling business fund support loan product. It performs the function of the information registration interface for registering the security agreement and debt confirmation information.

The storage medium 345 provided on the security provision agreement and debt confirmation information registration system according to the present invention is the customer (member) included in the security provision agreement and debt confirmation information provided from the information registration terminal 380. The information, combination trust information, collateral provision agreement information, debt confirmation information is stored in a predetermined storage medium 345 by linkage processing.

The association trust information includes trust establishment confirmation information regarding the conclusion of a real estate trust contract with the association with respect to a predetermined combination formed for a remodeling business for a apartment house such as an apartment owned by the customer (member); It is preferable to include real estate trust contract information prepared at the time of trust signing, and it may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the security agreement and the debt confirmation is, “I am remodeling business (hereafter,“ the apartment ”) of the apartment on the parcel of the address (hereinafter referred to as“ the apartment ”). ) Is a member of the [] Association ("Borrower" or "Cooperative") formed for I have entered into a real estate trust contract with the union on the day of __________ for the apartment house [] dong [] I owned for the smooth execution of this business. . ”And may be changed according to the intention and purpose of those skilled in the art.

The information on providing the collateral may include consent information for obtaining a predetermined loan as collateral for the apartment, such as apartment owned by the customer (member), and real estate register copy information. It may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation states, “In relation to the loan agreement, your bank has requested to provide the apartment as collateral as a loan condition. As a consignor under the trust agreement in [], the union, who is a trustee, agrees to provide your bank as collateral for the loan obligations under the loan agreement as collateral as requested by your bank without any condition. The specific manners and conditions relating to the provision of security shall be entrusted to the union so that the bank and the union may decide in consultation with it. ”It is preferable to change this according to the intention and purpose of those skilled in the art.

The debt confirmation information is for the client (union) to confirm that there is a debt, with respect to the request information requesting to conclude a loan agreement with a financial institution to submit the security agreement and the debt confirmation letter to conclude a loan agreement. It is preferable to include the confirmation information and the confirmation information to repay the interest equivalent amount in the loan agreement when the union to which the customer (member) is not able to meet the debt, and may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the security agreement and the debt confirmation states, “Of the above loans to the cooperative of your bank, the amount of \ __ ($ __) is the debt that you pay as a member to the union. Check. Therefore, if the union fails to repay the loan principal for your bank, I will reimburse your bank for the above debt and the interest equivalent of the loan agreement between the union and your bank. ” It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes the personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (member), which has made the security agreement and debt confirmation. Member information of the customer (member) (e.g., the customer (member)) by joining the financial transaction customer (member) of the financial institution in response to the customer (member) and the security provision agreement and debt confirmation information registration system and It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer (member union) ledger provided on the linked financial system.

According to an embodiment of the present invention, the storage medium 505 is provided on the security provision agreement and debt confirmation information registration system (or associated with the security agreement and debt confirmation information registration system) DBMS on the financial system Preferably, the storage medium 505 is a ledger D / B (500) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (500) The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 505 is provided on (or associated with) the security agreement and debt confirmation information registration system, and / or a telebanking system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

The information registration server 300 provided on the security provision agreement and debt confirmation information registration system according to the present invention is the security agreement and debt confirmation information is connected to the information registration terminal 380 through a predetermined network means A generic term for components of a registration system, including at least one server (or device), and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or device). The present invention is not limited thereby.

According to an embodiment of the present invention, when the information registration terminal 380 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 300 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the information registration terminal 380 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 300 is the wireless banking. Any server (or device) that is a predetermined wireless banking server provided on the system, and / or a program provided in the wireless banking server, and / or is accessible to the outside world of the financial system through the wireless banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another embodiment of the present invention, when the information registration terminal 380 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 300 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the information registration terminal 380 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 300 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal 380 through the network means. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 380 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 305 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 300 (eg, an internet banking program), the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 380 is a financial automatic device connected to a predetermined financial network, the interface unit 305 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal 380 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 305 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 300, the interface unit 305 is connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 380 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 305 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another embodiment of the present invention, when the information registration terminal 380 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 305 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 3, when the predetermined information registration terminal 380 connects a predetermined communication channel with the information registration server 300 through the interface unit 305, the information registration server 380 is connected to the information registration server 300. At least one user interface for inputting (or selecting) predetermined collateral provision agreement and debt confirmation information from the information registration terminal 380 to subscribe to a home remodeling business fund assistance loan product to the information registration server 300 Interface providing unit 310 for generating (or extracting) and providing the generated (or extracted) user interface to the information registration terminal 380 in association with the interface unit 305, and the information registration terminal ( In step 380, when the security agreement and debt confirmation information are input (or selected) through the user interface, the information is registered in association with the interface unit 305. And an information receiver 315 for receiving the security agreement and debt confirmation information transmitted from the terminal 380.

The interface provider 310 connects a predetermined communication channel with the information registration server 300 through the interface 305 through the interface unit 305, and then sends the information registration server 300 to the information registration server 300. When requesting a user interface for subscribing to the apartment remodeling business fund support loan product, the information registration server 380 inputs (or selects) predetermined collateral provision agreement and debt confirmation information through the network means. Create at least one user interface to be transmitted to (300), and / or extracted from a predetermined database (not shown), and in conjunction with the interface unit 305 to generate the (or extracted) the user interface It is characterized by providing to the information registration terminal 380 through a network means.

According to an exemplary embodiment of the present invention, when the information registration terminal 380 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 310 may include a browser program provided in the client terminal and And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal 380 is a financial automation device connected to a predetermined financial network, the interface providing unit 310 is a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal 380 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal 380 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 310 is the call terminal (shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS-based user interface) through the interface unit 305 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 380 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 310 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 305. .

According to another embodiment of the present invention, at least one of inputting (or selecting) predetermined collateral provision agreement and debt confirmation information to the information registration terminal 380 and transmitting it to the information registration server 300 through the network means. When a predetermined information registration program having the above user interface is provided, a user interface for inputting (or selecting) predetermined security provision agreement and debt confirmation information as described above to be transmitted to the information registration server 300 is generated. The interface providing unit 310 may be omitted (or extracted) and provided to the information registration terminal 380, and the present invention is not limited thereto.

Subsequently, the information registration terminal 380 inputs the security agreement and debt confirmation information including at least one of the customer (member) information, union trust information, security agreement information, and debt confirmation information through the user interface ( Or the selected (or selected) collateral provision agreement and debt confirmation information to the information registration server 300 through the network means, and correspondingly, the information receiving unit 315 is connected to the interface unit ( 305 to receive the collateral provision agreement and debt confirmation information transmitted from the information registration terminal 380.

According to an embodiment of the present invention, the information registration terminal 380 includes the customer (member) information, association trust information, collateral provision agreement information, debt confirmation information including at least one or more of the security provision agreement and debt confirmation information; OTP code generated through a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for confirming the validity of the security provision agreement and debt confirmation information in the information registration server 300 It is preferable to further include at least one to transmit to the information registration server 300 through the network means.

According to an embodiment of the present invention, the information registration terminal 380 includes at least one of the security agreement and debt confirmation information including at least one of the customer (member) information, association trust information, security agreement information, debt confirmation information; Encrypt using one or more encryption methods (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method), and / or the collateral It is preferable to attach a predetermined electronic signature to the provision agreement and the debt confirmation information to transmit the information to the information registration server 300 through the network means. Have one or more encryption keys, and / or have a predetermined certificate containing at least one encryption key, or And / or If the official certificate is provided on a predetermined IC chip (or IC card), it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the security agreement and debt confirmation information, and attaching a predetermined electronic signature to the security agreement and debt verification information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Referring to FIG. 3, the information registration server 300 receives the collateral providing agreement and the debt confirmation information transmitted from the information registration terminal 380 through the information receiving unit 315. And a validity confirming unit 325 for confirming whether the debt confirmation information satisfies the validity for joining the apartment remodeling business fund support loan product.

According to an embodiment of the present invention, the security agreement and debt confirmation information is at least one encryption method (e.g., symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange-based encryption scheme, etc., the validity verification unit 325 may include the at least one decryption scheme (eg, a symmetric key based scheme) corresponding to the encryption scheme. Decryption method, and / or public key-based decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc., thereby validating the validity of the received security provision agreement and debt confirmation information. It is desirable to.

Alternatively, when a predetermined electronic signature is attached to the security provision agreement and the debt confirmation information, the validity verification unit 325 confirms the electronic signature attached to the security agreement and debt verification information, thereby receiving the received collateral. It is desirable to certify the validity of the offer agreement and debt confirmation information.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted collateral provision agreement and debt confirmation information, and the electronic signature attached to the collateral provision agreement and debt confirmation information. Since it will be familiar with the technical features to check, the detailed description thereof will be omitted for convenience.

When the security agreement and debt confirmation information received through the information receiving unit 315 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the security agreement and debt confirmation information, The validity confirming unit 325 compares and authenticates the received password included in the security provision agreement and the debt confirmation information with the password provided corresponding to the customer (member) on the DBMS, thereby receiving the received security provision agreement and It is desirable to authenticate the validity of the debt confirmation information.

Alternatively, when the security agreement and debt confirmation information received through the information receiver 315 further includes predetermined security card information for confirming the validity of the security agreement and debt confirmation information, the validity confirmation The unit 325 compares and authenticates the security card information included in the security provision agreement and the debt confirmation information with the security card information provided corresponding to the customer (member) on the DBMS, thereby receiving the received security provision agreement. And authenticating validity of the debt confirmation information.

Alternatively, when the security agreement and debt confirmation information received through the information receiving unit 315 further includes a predetermined OTP code for confirming the validity of the security agreement and debt confirmation information, the validity confirmation unit 325 compares and authenticates the OTP code included in the security provision agreement and the debt confirmation information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer (member) on the DBMS. It is preferable to authenticate the validity of the received security agreement and debt confirmation information.

According to the implementation method of the present invention, the confirmation of the validity of the security provision agreement and the debt confirmation information is provided to the ledger D / B (500) on the financial system associated with the security provision agreement and debt confirmation information registration system and It is preferable to include checking whether at least one ledger information matching the debt confirmation information is registered.

In addition, the verification of the validity of the security provision agreement and the debt confirmation information is at least one matching the security provision agreement and debt confirmation information to the registered D / B on the registry system associated with the security provision agreement and debt confirmation information registration system It is preferable to include checking whether the above registered information is registered.

For example, the validity confirming unit 325 may include the customer (member) member information (customer (member) personal information, member information, etc.) among the information included in the collateral provision agreement and debt confirmation information. It is preferable to include a check whether the match with the customer (member union) ledger stored in the ledger D / B 500 on the financial system associated with the confirmation information registration system.

In addition, the validity confirmation of the security provision agreement and the debt confirmation information is registered in the security provision agreement and debt confirmation information, the registered copy information included in the information on the security provision agreement is registered in the security provision agreement and debt confirmation information It is preferable to include a check that matches the registration information stored in the registration D / B on the registry system associated with the system.

Referring to FIG. 3, when the validity of the security provision agreement and the debt verification information is authenticated through the validity verification unit 325, the information registration server 300 includes the received security provision agreement and debt verification information. An electronic document generation unit 330 for generating a predetermined security provision agreement and debt confirmation electronic document, and the generated security provision agreement and debt confirmation electronic document in association with the security provision agreement and debt confirmation information registration system. It is characterized by comprising an electronic document transmission unit 335 for transmitting to the storage.

The electronic document generation unit 330 generates the security agreement and the debt confirmation electronic document including the security agreement and debt confirmation information received from the information registration terminal 380 through the information receiving unit 315. It features.

According to an exemplary embodiment of the present invention, the electronic document generation unit 330 may provide customer (member) information, association trust information, and collateral included in the collateral provision agreement and debt confirmation information received through the information reception unit 315. Generate document content including at least one agreement information and debt confirmation information, and include a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) including the document content. Or a word processor file including at least one or the like, or a web document file including the MHT, etc.), it is preferable to process the security agreement and the debt confirmation electronic document for joining the apartment remodeling business fund support loan product.

Alternatively, the electronic document generation unit 330 may include customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and the debt confirmation information received through the information receiver 315. Generating at least one document content including at least one of customer (member) information, association trust information, security agreement information, and debt confirmation information included in the security provision agreement and debt confirmation information; After including in a watermarking manner, at least a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing document content including the watermarking. A word processor file including one or more, or a web document file including an MHT). Be treated as Bose and liabilities of the joint verification e-documents is desirable.

Alternatively, the electronic document generation unit 330 may include customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and the debt confirmation information received through the information receiver 315. The multi-family housing remodeling fund for generating an image file including at least one document content, and an image file including image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory). It is advisable to process collateral provision agreements and debt verification electronic documents to join a support loan.

Alternatively, the electronic document generation unit 330 may include customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and the debt confirmation information received through the information receiver 315. The document contents including at least one or more are generated and included in the collateral provision agreement and debt confirmation information in the image contents (eg, the image contents generated by capturing the document contents on a memory). After including at least one of customer (member) information, association trust information, collateral provision information, debt confirmation information in a watermarking manner, and the image file including the image content including the watermarking in the joint Housing Remodeling Business Fund Support It is preferable to process the agreement as collateral provision agreement and debt confirmation electronic document to join the loan product. The.

According to another exemplary embodiment of the present invention, the electronic document generating unit 330 may include customer (member) information, union trust information, and collateral included in the security provision agreement and the debt confirmation information received through the information receiving unit 315. Predetermined document content including at least one offer information and debt confirmation information, and including image content (eg, image content generated by capturing the document content on a memory). Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to process the collateral provision agreement and the debt confirmation electronic document for joining the apartment remodeling business capital assistance loan product.

Alternatively, the electronic document generation unit 330 may include customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and the debt confirmation information received through the information receiver 315. The document contents including at least one or more are generated, and the image contents captured by capturing the document contents (for example, image contents generated by capturing the document contents on a memory) are included in the collateral provision agreement and debt confirmation information. Generating image content including at least one of customer (member) information, union trust information, collateral provision information, and debt confirmation information by a watermarking method, and including the image content including the watermarking; At least one document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) By creating a web document files, etc.) that includes a word processor file or MHT containing phase, it is preferable to treatment with collateral agreements and debt verification e-documents for the public housing renovation projects funded loan join.

According to another exemplary embodiment of the present invention, the electronic document generator 330 may include customer (member) information, union trust information, included in the security provision agreement and the debt confirmation information received through the information receiver 315, Generating document content including at least one of collateral provision information and debt confirmation information, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the collateral; A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing the provision agreement and debt confirmation information, or MHT By creating a web document file including the), the collateral provision agreement and debt security for joining the apartment remodeling business fund support loan products It is preferred to handle electronically.

Alternatively, the electronic document generation unit 330 may include customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and the debt confirmation information received through the information receiver 315. Generates document content including at least one, and included in the collateral provision agreement and debt confirmation information in the image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. Generating image content including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information by a watermarking method; and the image content including the watermarking and the collateral A document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data Interchan) file containing the provision agreement and debt confirmation information) ge) a file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT, etc. It is desirable to process it as a confirmation electronic document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 330 and the technical features for generating a security agreement and debt confirmation electronic document of the image file format and / or a predetermined document file format and However, the technical features of the file format for the image file and / or document file corresponding to the security provision agreement and the consultation before the debt confirmation will be familiar, so the detailed description thereof will be omitted for convenience.

The electronic document transmission unit 335 transfers the security provision agreement and the debt confirmation electronic document generated by the electronic document generation unit 330 to a predetermined electronic document repository associated with the security provision agreement and debt confirmation information registration system. Characterized in that the transmission and storage.

As shown in FIG. 3, the electronic document repository is an electronic document and a predetermined electronic document server 350 linked to the information registration server 300 on the security provision agreement and debt confirmation information registration system through predetermined communication means. When provided externally including the D / B 370, the electronic document transmission unit 335 uses the communication means for providing the security agreement and the debt confirmation electronic document generated by the electronic document generation unit 330. Characterized in that the transmission to the electronic document server 350 through.

Here, when the electronic document server 350 and the electronic document D / B 370 are provided outside the security provision agreement and debt confirmation information registration system, the electronic document server 350 and the electronic document D / The B 370 is preferably managed by an authorized institution.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the security provision agreement and the debt confirmation information registration system, the electronic document transmission unit 335 is the electronic document generation unit 330. It is possible to store the collateral provision agreement and debt confirmation electronic document generated by the electronic document D / B 370 corresponding to the electronic document storage on the DBMS provided in the collateral provision agreement and debt confirmation information registration system The present invention is not limited thereby.

According to the method of the present invention, the electronic document transmission unit 335 is electronic document related information for generating predetermined electronic document management information in the electronic document server 350 (for example, the security provision agreement and debt confirmation information). Customer (member) information transmitted by inputting (selection), and / or financial institution information transmitting the security agreement and debt confirmation electronic document, and / or electronic document file format information, and / or the security offer agreement and Debt confirmation information, etc.) may be further transmitted to the electronic document storage, and the present invention is not limited thereto.

Referring to Figure 3, the information registration server 300 is the security agreement and debt confirmation information received through the information receiving unit 315 through the validity verification unit 325 through the apartment remodeling business capital support loan product When the validity for the subscription is authenticated, the predetermined storage medium is processed by integrating the customer (member) information, association trust information, collateral provision information, and debt confirmation information included in the security provision agreement and the debt confirmation information certified for validity. And an information storage unit 340 to be stored at 345.

When the validity of the security provision agreement and the debt confirmation information is confirmed by the validity verification unit 325, the information storage unit 340 is a combination of customer (member) information included in the security provision agreement and debt confirmation information, combination Trust information, collateral provision information, and debt confirmation information is stored in the storage medium 345 by the cooperative processing, the storage medium 345 is provided in the information registration server 300, or the information registration When provided on the network associated with the server 300, the information storage unit 340 is the customer (members) information, association trust information, collateral provision agreement information contained in the received collateral provision agreement and debt confirmation information, It is preferable that the debt confirmation information is linked and stored in the storage medium 345. When the storage medium 345 is provided in a DBMS provided on a financial system, the information storage unit 340 receives the received information. Providing customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security agreement and debt confirmation information to the information system through the external system of the financial system and storing it in the DBMS provided on the financial system. It is desirable to.

Referring to FIG. 3, a predetermined electronic document D / B 370 is received by receiving a predetermined security provision consent and debt confirmation electronic document from the information registration server 300 provided on the security provision agreement and debt confirmation information registration system. The electronic document server 350 that stores and manages the electronic document receiving unit 355 receives a predetermined security provision agreement and debt confirmation electronic document from the information registration server 300 through a predetermined communication means, and An information generation unit 360 for generating predetermined electronic document management information for storing and managing the received security provision agreement and debt confirmation electronic document in the electronic document D / B 370, and the electronic document management information and the And an electronic document storage unit 365 for processing the security agreement and the debt confirmation electronic document in a predetermined electronic document D / B 370.

The electronic document receiving unit 355 receives a security provision agreement and a debt confirmation electronic document in the form of an image file and / or a document file from the information registration server 300 through the communication means.

According to an exemplary embodiment of the present invention, the collateral provision agreement and the debt confirmation electronic document received by the electronic document receiving unit 355 through the communication means are received by the information registration server 300 from the information registration terminal 380. Document files (e.g., Portable Document Format) including document contents including at least one of customer (member) information, union trust information, security agreement information, and debt confirmation information included in a security agreement and debt confirmation information. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

Alternatively, the collateral provision agreement and debt confirmation received by the electronic document receiving unit 355 through the communication means, the collateral provision agreement and debt confirmation received by the information registration server 300 from the information registration terminal 380. Customer (member) information included in the collateral provision agreement and debt confirmation information in the contents of the document including at least one of customer (member) information, union trust information, collateral provision agreement information and debt confirmation information included in the information, union trust A document file (eg, a Portable Document Format (PDF) file) including document content including the watermarking after including at least one of information, security agreement information, and debt confirmation information by a watermarking method; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT. ) It is preferred which comprises a.

Alternatively, the collateral provision agreement and debt confirmation received by the electronic document receiving unit 355 through the communication means, the collateral provision agreement and debt confirmation received by the information registration server 300 from the information registration terminal 380. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer (member) information, union trust information, collateral provision information, and debt confirmation information included in the information. Preferably an image file containing one image content).

Alternatively, the collateral provision agreement and debt confirmation received by the electronic document receiving unit 355 through the communication means, the collateral provision agreement and debt confirmation received by the information registration server 300 from the information registration terminal 380. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer (member) information, union trust information, collateral provision information, and debt confirmation information included in the information. (In an image content) including at least one or more information (customer information), combination trust information, collateral provision information, debt confirmation information included in the security provision agreement and debt confirmation information in a watermarking method, Preferably, the image file includes an image file including the image content including the watermarking.

According to another embodiment of the present invention, the collateral provision agreement and debt confirmation electronic document received by the electronic document receiving unit 355 through the communication means is the information registration server 300 from the information registration terminal 380 Image content capturing document content including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in the received collateral provision agreement and debt confirmation information (eg, At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content generated by capturing document content on a memory. Word processor files, or web document files including MHT).

Alternatively, the collateral provision agreement and debt confirmation received by the electronic document receiving unit 355 through the communication means, the collateral provision agreement and debt confirmation received by the information registration server 300 from the information registration terminal 380. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer (member) information, union trust information, collateral provision information, and debt confirmation information included in the information. An image containing at least one of information (customer information), association trust information, collateral provision information, and debt confirmation information included in the security provision agreement and the debt confirmation information in a watermarking manner. A document file (eg, a Portable Document Format (PDF) file) generating content and including image content including the watermarking. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the security agreement and the debt confirmation electronic document received by the electronic document receiving unit 355 through the communication means, the information registration server 300 is the information registration terminal 380 Image contents (e.g., captured) of document contents including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in collateral provision agreement and debt confirmation information received from A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or the like) including the contents of the document captured by capturing the document contents on a memory and the security provision agreement and debt confirmation information; or A word processor file including at least one HWP / DOC, or a web document file including MHT). Do.

Alternatively, the collateral provision agreement and debt confirmation received by the electronic document receiving unit 355 through the communication means, the collateral provision agreement and debt confirmation received by the information registration server 300 from the information registration terminal 380. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer (member) information, union trust information, collateral provision information, and debt confirmation information included in the information. An image containing at least one of information (customer information), association trust information, collateral provision information, and debt confirmation information included in the security provision agreement and the debt confirmation information in a watermarking manner. A document that generates content and includes image content including the watermarking and the security agreement and debt confirmation information. One (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT). It is preferable.

The information generating unit 360 is a predetermined electronic document unique number (or unique information) to be assigned to the security provision agreement and the debt confirmation electronic document received through the electronic document receiving unit 355, and the electronic document receiving unit 355 Electronic document management information including electronic document storage date and time information including the date and time (or the date and time that the security agreement and debt confirmation electronic document was stored) received the security agreement and debt confirmation electronic document through It is characterized by generating.

According to the exemplary embodiment of the present invention, the information generating unit 360 refers to the information registration server 300 that transmitted the security agreement and the debt confirmation electronic document received through the electronic document receiving unit 355. It is preferable to confirm the financial institution that has sent the security agreement and the debt confirmation electronic document, and generate the electronic document management information further including the confirmed financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 300 through the electronic document receiving unit 355, the information generating unit 360 receives the received information. Electronic document-related information (e.g., customer (member) information transmitted by inputting (selecting) the collateral provision agreement and debt confirmation information) and / or financial institution information transmitting the collateral provision agreement and debt confirmation electronic document, and / Or electronic document file format information, and / or the security provision agreement and debt confirmation information, etc.).

The electronic document storage unit 365 associates the collateral provision agreement and debt confirmation electronic document received through the electronic document receiving unit 355 with the electronic document management information generated through the information generating unit 360 to perform a predetermined process. The electronic document is stored in the D / B 370.

According to the exemplary embodiment of the present invention, the security agreement agreement and the debt confirmation electronic document stored in the electronic document D / B 370 by the electronic document storage unit 365 are registered by the information registration server 300. Document file (eg, document file including at least one or more of the customer (members) information, combination trust information, security agreement information, debt confirmation information included in the security offer agreement and debt confirmation information received from the terminal 380 (eg , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

Alternatively, the security offer agreement and the debt confirmation electronic document stored in the electronic document D / B 370 by the electronic document storage unit 365 are received by the information registration server 300 from the information registration terminal 380. The customer included in the collateral providing agreement and the debt confirmation information in document content including at least one of customer (member) information, union trust information, collateral providing information, and debt confirmation information included in the collateral provision agreement and debt confirmation information ( After including at least one of the information (members) information, association trust information, collateral provision information, debt confirmation information in a watermarking method, a document file (for example, PDF ( Portable Document Format (EDI) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more such as HWP / DOC, or web document files including MHT Etc.) is preferable.

Alternatively, the security offer agreement and the debt confirmation electronic document stored in the electronic document D / B 370 by the electronic document storage unit 365 are received by the information registration server 300 from the information registration terminal 380. Image content capturing document content including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in collateral provision agreement and debt confirmation information (e.g., the document content Preferably includes an image file including image content generated by capturing the image on a memory.

Alternatively, the security offer agreement and the debt confirmation electronic document stored in the electronic document D / B 370 by the electronic document storage unit 365 are received by the information registration server 300 from the information registration terminal 380. Image content (e.g., the document content) that captures document content including at least one of customer (member) information, association trust information, security agreement information, and debt confirmation information included in the security provision agreement and debt confirmation information. To at least one or more of customer (member) information, association trust information, security agreement information, and debt confirmation information included in the security provision agreement and debt confirmation information. After including in a) method, it is preferable that the watermarking comprises an image file including the image content.

According to another exemplary embodiment of the present invention, the security agreement agreement and the debt confirmation electronic document stored in the electronic document D / B 370 by the electronic document storage unit 365 are the information registration server 300. Capturing document contents including at least one of customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and debt confirmation information received from the registration terminal 380. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing image content (eg, image content generated by capturing the document content on a memory). And a word processor file including at least one or a web document file including MHT).

Alternatively, a security provision agreement and a debt confirmation electronic document stored in the electronic document D / B 370 by the electronic document storage 365 are received by the information registration server 300 from the information registration terminal 380. Image content (e.g., the document) which captures document content including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in a security provision agreement and debt confirmation information. Watermarking at least one of customer (member) information, association trust information, security agreement information, and debt confirmation information included in the collateral provision agreement and debt confirmation information to the image content generated by capturing content on the memory; A document file (for example, a PDF (Portable Document Format) file generated by generating an image content including the watermarking method) and including the image content including the watermarking One, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the security agreement agreement and the debt confirmation electronic document stored in the electronic document D / B 370 by the electronic document storage unit 365 are determined by the information registration server 300. Capturing document contents including at least one of customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and the debt confirmation information received from the information registration terminal 380. A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic) containing one image content (e.g., image content generated by capturing the document content on a memory) and the security agreement and debt confirmation information. Data Interchange) file, or a word processing file including at least one of HWP / DOC, or a web document file including MHT). It is.

Alternatively, the security offer agreement and the debt confirmation electronic document stored in the electronic document D / B 370 by the electronic document storage unit 365 are received by the information registration server 300 from the information registration terminal 380. Image content capturing document content including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in collateral provision agreement and debt confirmation information (e.g., the document content To at least one or more of customer (member) information, association trust information, security agreement information, and debt confirmation information included in the security provision agreement and debt confirmation information. Generating an image content including the image content, and including the watermarking image content and the security agreement and debt confirmation information; A file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 370 by the electronic document storage unit 365 in association with the security provision agreement and the debt confirmation electronic document is stored in the collateral. It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the provision agreement and debt confirmation electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management unit 365 stores the electronic document management information stored in the electronic document D / B 370 in association with the security provision agreement and the debt confirmation electronic document. It is preferable that the financial institution further includes information on the financial institution providing the security agreement and the debt confirmation electronic document, which has been confirmed with reference to the information registration server 300 which has transmitted the security agreement and the debt confirmation electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the information registration server 300, the electronic document storage unit 365 is associated with the security provision agreement and debt confirmation electronic document. The electronic document management information that is processed and stored in the electronic document D / B 370 may be transmitted to a customer (member) who has received (selected) the electronic document related information (for example, the security agreement and debt confirmation information). Information, and / or financial institution information for transmitting the security agreement and debt confirmation electronic document, and / or electronic document file format information, and / or the security agreement and debt verification information, etc.). Do.

4 is a collateral provision agreement and debt confirmation information stored in the ledger D / B (500) provided in the DBMS on the financial system in a non-face-to-face in order to join the apartment remodeling business fund support loan products according to an embodiment of the present invention Figure is a diagram.

In more detail, FIG. 4 shows the ledger information provided in the ledger D / B 500 when the storage medium 345 shown in FIG. 3 is the ledger D / B 500 provided in the DBMS on the financial system. An information structure for an embodiment of storing a security provision agreement and debt confirmation information including the customer (member) information, union trust information, collateral provision information, and debt confirmation information is shown in the technical field to which the present invention pertains. Persons having ordinary skill in the art will be able to infer various information construction methods for storing the security provision agreement and debt confirmation information in the ledger D / B 500 by referring to and / or modifying the present invention. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to Figure 4 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 500 provided in the DBMS on the financial system is a predetermined customer (member) ledger, the customer (member) ledger and It is shown to include a linked ledger (for example, a ledger, loan ledger, etc.) and at least one information associated with the ledger, if the person of ordinary skill in the art to which the present invention belongs The ledger D / B 500 provided in the DBMS on the system includes at least one ledger (eg, loan ledger, mortgage ledger, ..., etc.) and / or in addition to the customer (member) ledger and account ledger shown in FIG. It will be clearly understood that at least one additional information for maintaining and managing the ledgers is further included, and the specific technical matters for this will be understood. Detailed description is omitted for convenience.

The head of the customer (member), CIF (Customer Information File) number, country code, contact person ID, branch number, customer (member) member classification, customer (member) member name, customer (member) member address, region identification code, telephone number, business place No., Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW , DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The director of the customer (member) includes ledger information for the customer (member) including at least one of individual customers (members), corporate customers (members), minors and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer (member) ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer (member union) ledger relational, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account source. At least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 4, the security agreement and debt confirmation information provided through the security agreement and debt confirmation information registration system shown in FIG. 3 are stored in the form of additional information added to the account ledger. Collateral provision agreement and debt confirmation information is characterized in that it comprises at least one (customer) information, union trust information, collateral provision agreement information, debt confirmation information.

The association trust information includes trust establishment confirmation information regarding the conclusion of a real estate trust contract with the association with respect to a predetermined combination formed for a remodeling business for a apartment house such as an apartment owned by the customer (member); It is preferable to include real estate trust contract information prepared at the time of trust signing, and it may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation is, “I have a remodeling business (hereafter,“ the apartment ”) of the apartment (hereafter,“ the apartment housing ”) ) Is a member of the [] Association ("Borrower" or "Cooperative") formed for I have entered into a real estate trust contract with the union on the day of __________ for the apartment house [] dong [] I owned for the smooth execution of this business. . ”And may be changed according to the intention and purpose of those skilled in the art.

The information on providing the collateral may include consent information for obtaining a predetermined loan as collateral for the apartment, such as apartment owned by the customer (member), and real estate register copy information. It may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation states, “In relation to the loan agreement, your bank has requested to provide the apartment as collateral as a loan condition. As a consignor under the trust agreement in [], the union, who is a trustee, agrees to provide your bank as collateral for the loan obligations under the loan agreement as collateral as requested by your bank without any condition. The specific manners and conditions relating to the provision of security shall be entrusted to the union so that the bank and the union may decide in consultation with it. ”It is preferable to change this according to the intention and purpose of those skilled in the art.

The debt confirmation information is for the client (union) to confirm that there is a debt, with respect to the request information requesting to conclude a loan agreement with a financial institution to submit the security agreement and the debt confirmation letter to conclude a loan agreement. It is preferable to include the confirmation information and the confirmation information to repay the interest equivalent amount in the loan agreement when the union to which the customer (member) is not able to meet the debt, and may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the security agreement and the debt confirmation states, “Of the above loans to the cooperative of your bank, the amount of \ __ ($ __) is the debt that you pay as a member to the union. Check. Therefore, if the union fails to repay the loan principal for your bank, I will reimburse your bank for the above debt and the interest equivalent of the loan agreement between the union and your bank. ” It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (member), which has made the security agreement and debt confirmation. Member information of the customer (member) (e.g., the customer (member)) by joining the financial transaction customer (member) of the financial institution in response to the customer (member) and the security provision agreement and debt confirmation information registration system and It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer (member union) ledger provided on the linked financial system.

According to another exemplary embodiment of the present invention, the security agreement and debt confirmation information are stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ( And the form of additional information added to the General Ledger) and / or the information included in the ledger other than the account ledger (for example, the customer (member) ledger), thereby limiting the present invention. No.

5 is a mortgage agreement provided in a database linked to the ledger D / B 500 provided in the DBMS on the financial system in a non-face-to-face manner to join a multi-unit remodeling business fund support loan product according to another embodiment of the present invention. And the debt confirmation information structure.

In more detail, FIG. 5 shows an information structure for an implementation method in which the storage medium 345 shown in FIG. 3 is stored in a predetermined database linked to the ledger D / B 500 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 5 to transmit the security provision agreement and debt confirmation information to a predetermined database. It will be able to infer a variety of information configuration method to be stored in association with), but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 5, when the security provision agreement and debt confirmation information are not easily stored in the ledger information of the ledger D / B 500 on the DBMS provided on the financial system (for example, the policy of the financial institution) If it is not easy to change the ledger D / B 500 of the DBMS, or the system expansion is not easy due to the nature of the financial system), the agreement to provide the collateral in a predetermined database instead of the ledger D / B 500 and It shows an implementation method for storing the debt confirmation information, the database and the ledger D / B (500) in a linked process.

In addition, the database shown in FIG. 5 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 5, the database is characterized in that the collateral processing of the customer (union) information, association trust information, collateral provision information, debt confirmation information included in the collateral provision agreement and debt confirmation information and stored in association The collateral provision agreement and debt confirmation information may further include a CIF number corresponding to the ledger information in the collateral provision agreement and debt confirmation information to be processed in connection with the ledger D / B 500.

The association trust information includes trust establishment confirmation information regarding the conclusion of a real estate trust contract with the association with respect to a predetermined combination formed for a remodeling business for a apartment house such as an apartment owned by the customer (member); It is preferable to include the real estate trust contract information prepared at the time of trust signing, and it may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation is, “I have a remodeling business (hereafter,“ the apartment ”) of the apartment (hereafter,“ the apartment housing ”) ) Is a member of the [] Association ("Borrower" or "Cooperative") formed for I have entered into a real estate trust contract with the union on the day of __________ for the apartment house [] dong [] I owned for the smooth execution of this business. . ”And may be changed according to the intention and purpose of those skilled in the art.

The information on providing the collateral may include consent information for obtaining a predetermined loan as collateral for the apartment, such as apartment owned by the customer (member), and real estate register copy information. It may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation states, “In relation to the loan agreement, your bank has requested to provide the apartment as collateral as a loan condition. As a consignor under the trust agreement in [], the union, who is a trustee, agrees to provide your bank as collateral for the loan obligations under the loan agreement as collateral as requested by your bank without any condition. The specific manners and conditions relating to the provision of security shall be entrusted to the union so that the bank and the union may decide in consultation with it. ”It is preferable to change this according to the intention and purpose of those skilled in the art.

The debt confirmation information is for the client (union) to confirm that there is a debt, with respect to the request information requesting to conclude a loan agreement with a financial institution to submit the security agreement and the debt confirmation letter to conclude a loan agreement. It is preferable to include the confirmation information and the confirmation information to repay the interest equivalent amount in the loan agreement when the union to which the customer (member) is not able to meet the debt, and may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the security agreement and the debt confirmation states, “Of the above loans to the cooperative of your bank, the amount of \ __ ($ __) is the debt that you pay as a member to the union. Check. Therefore, if the union fails to repay the loan principal for your bank, I will reimburse your bank for the above debt and the interest equivalent of the loan agreement between the union and your bank. ” It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (member), which has made the security agreement and debt confirmation. Member information of the customer (member) (e.g., the customer (member)) by joining the financial transaction customer (member) of the financial institution in response to the customer (member) and the security provision agreement and debt confirmation information registration system and It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer (member union) ledger provided on the linked financial system.

FIG. 6 is a diagram illustrating a security provision agreement and debt confirmation information stored in a DBMS provided in a banking server in a non-face-to-face manner in order to join a multi-family remodeling business fund support loan product according to another exemplary embodiment of the present invention.

In more detail, FIG. 6 illustrates a predetermined banking system in which the storage medium 345 shown in FIG. 3 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment provided in the DBMS provided in the server, and those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modified in the present invention It is possible to infer a method of constructing information on a security provision agreement and debt confirmation information stored in a predetermined DBMS, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. No.

Referring to FIG. 6, a predetermined DBMS provided in the banking server performs a linkage process of customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and debt confirmation information. It is characterized by storing.

The association trust information includes trust establishment confirmation information regarding the conclusion of a real estate trust contract with the association with respect to a predetermined combination formed for a remodeling business for a apartment house such as an apartment owned by the customer (member); It is preferable to include real estate trust contract information prepared at the time of trust signing, and it may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation is, “I have a remodeling business (hereafter,“ the apartment ”) of the apartment (hereafter,“ the apartment housing ”) ) Is a member of the [] Association ("Borrower" or "Cooperative") formed for I have entered into a real estate trust contract with the union on the day of __________ for the apartment house [] dong [] I owned for the smooth execution of this business. . ”And may be changed according to the intention and purpose of those skilled in the art.

The information on providing the collateral may include consent information for obtaining a predetermined loan as collateral for the apartment, such as apartment owned by the customer (member), and real estate register copy information. It may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation states, “In relation to the loan agreement, your bank has requested to provide the apartment as collateral as a loan condition. As a consignor under the trust agreement in [], the union, who is a trustee, agrees to provide your bank as collateral for the loan obligations under the loan agreement as collateral as requested by your bank without any condition. The specific manners and conditions relating to the provision of security shall be entrusted to the union so that the bank and the union may decide in consultation with it. ”It is preferable to change this according to the intention and purpose of those skilled in the art.

The debt confirmation information is for the client (union) to confirm that there is a debt, with respect to the request information requesting to conclude a loan agreement with a financial institution to submit the security agreement and the debt confirmation letter to conclude a loan agreement. It is preferable to include the confirmation information and the confirmation information to repay the interest equivalent amount in the loan agreement when the union to which the customer (member) is not able to meet the debt, and may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the security agreement and the debt confirmation states, “Of the above loans to the cooperative of your bank, the amount of \ __ ($ __) is the debt that you pay as a member to the union. Check. Therefore, if the union fails to repay the loan principal for your bank, I will reimburse your bank for the above debt and the interest equivalent of the loan agreement between the union and your bank. ” It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (member), which has made the security agreement and debt confirmation. Member information of the customer (member) (e.g., the customer (member)) by joining the financial transaction customer (member) of the financial institution in response to the customer (member) and the security provision agreement and debt confirmation information registration system and It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer (member union) ledger provided on the linked financial system.

7A and 7B illustrate a process of registering collateral provision agreement and debt confirmation information in a non-face-to-face manner in order to join a multi-unit remodeling business fund support loan product according to an exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B show that the information registration terminal 380 on the security agreement and debt confirmation information registration system shown in FIG. 3 is a client terminal, and the information registration server 300 uses a predetermined network means. In the case where the client terminal has a web server function accessible through the client terminal, a predetermined customer (member), through the client terminal (member) information, union trust information, When the security provision agreement and debt confirmation information including at least one of the security provision agreement information and the debt confirmation information is provided, the predetermined security provision agreement and debt confirmation information including the provided security provision agreement and debt confirmation information in the security provision agreement and debt confirmation information registration system are provided. Create a collateral provision agreement and debt confirmation electronic document and store it in a predetermined electronic document repository. An embodiment of the present invention relates to a method of storing the information of the customer (member), association trust information, collateral provision information, and debt confirmation information included in the collateral provision agreement and debt confirmation information in a predetermined storage medium 345. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b to register the security provision agreement and debt confirmation information from the client terminal to the information registration server 300. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, in the embodiment shown in FIGS. 7A and 7B, a predetermined web page provided by the information registration server 300 provides a user interface for the client terminal to input (or select) the security provision agreement and debt confirmation information. Although described as being provided through, but when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the information registration server 300, thereby the present invention is not limited. .

In the following FIGS. 7A and 7B, the client terminal shown in FIG. 3 is referred to as a "terminal" for convenience, and the information registration server 300 shown in FIG. 3 is referred to as a "server" for convenience. The customer (member) information, union trust information, collateral provision agreement information, debt confirmation information transmitted to the information registration server 300 is referred to as "collateral provision agreement and debt confirmation information" for convenience.

7A and 7B, when the client terminal illustrated in FIG. 3 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connecting to a server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN, to connect a predetermined communication channel, and When requesting a web page including a user interface for joining a home remodeling business fund assistance loan product (700), in response, the server receives the customer (member) information, union trust information, collateral provision information, and debt confirmation information. And a user interface for inputting (or selecting) and providing the security agreement and debt confirmation information including at least one of the security agreement information. Generating a web page (or extract), and 705, and outputs to send the web page containing the created user interface (or extraction) via the network means to the mobile station 710. The

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the security provision agreement and the debt confirmation information registration procedure. This is not limited.

Thereafter, the terminal inputs (or selects) the security provision agreement and the debt verification information including at least one or more customer (member) information, union trust information, collateral provision information, and debt confirmation information through a user interface included in the web page. (715).

If the terminal provides (or selects) collateral provision agreement and debt confirmation information including the customer (member) information, association trust information, collateral provision information, and debt confirmation information through the user interface (720), The terminal transmits the inputted (or selected) customer (member) information, association trust information, collateral provision information, and debt confirmation information to the server through the communication channel (725).

According to an embodiment of the present invention, the terminal provides the security at the server to the security provision agreement and debt confirmation information including at least one or more of the customer (member) information, association trust information, security agreement information, debt confirmation information; The network means further including at least one predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for verifying validity of the agreement and debt confirmation information. It is preferable to transmit to the server via.

According to an embodiment of the present invention, the terminal includes at least one encryption method including security agreement and debt confirmation information including at least one or more of the customer (member) information, association trust information, security agreement information, debt confirmation information ( Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. Preferably, a predetermined electronic signature is attached to the information and transmitted to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or at least one encryption. Has a predetermined public certificate containing a key, and / or the public certificate has a predetermined IC chip (Or an IC card), it is preferable that a card reader is provided for checking the official certificate provided on the IC chip (or IC card).

According to an embodiment of the present invention, the terminal includes at least one encryption method including security agreement and debt confirmation information including at least one or more of the customer (member) information, association trust information, security agreement information, debt confirmation information ( Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) for transmission to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or the public certificate has a predetermined certificate. If the IC chip (or IC card) is provided, check the official certificate provided in the IC chip (or IC card) It is preferable that a card reader is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the security agreement and debt confirmation information, and attaching a predetermined electronic signature to the security agreement and debt verification information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer (member) information, association trust information, collateral provision information, and debt confirmation information through the communication channel to confirm validity of the collateral provision agreement and debt confirmation information (730). ).

According to an embodiment of the present invention, the security agreement and debt confirmation information is at least one encryption method (e.g., symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange based encryption scheme, the server may include at least one decryption scheme (eg, a symmetric key based decryption scheme, and / or the like) corresponding to the encryption scheme. Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, or the like, to authenticate validity of the received security provision agreement and debt confirmation information.

Alternatively, when a predetermined electronic signature is attached to the security agreement and debt confirmation information, the server confirms the electronic signature attached to the security agreement and debt confirmation information, thereby receiving the received security agreement and debt confirmation information. It is desirable to authenticate the validity of the.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted collateral provision agreement and debt confirmation information, and the electronic signature attached to the collateral provision agreement and debt confirmation information. Since it will be familiar with the technical features to check, the detailed description thereof will be omitted for convenience.

When the security agreement and debt confirmation information received through the information receiving unit 315 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the security agreement and debt confirmation information, The server compares and authenticates the password received included in the security provision agreement and the debt confirmation information with the password provided corresponding to the customer (member) on the DBMS, thereby verifying the received security provision agreement and debt verification information. It is desirable to authenticate validity.

Alternatively, when the security provision agreement and the debt confirmation information received through the information receiving unit 315 further includes predetermined security card information for confirming the validity of the security provision agreement and the debt confirmation information, the server may include: By comparing and authenticating the security card information included in the security provision agreement and the debt confirmation information with the security card information provided corresponding to the customer (member) on the DBMS, the received security provision agreement and debt verification information are compared. It is desirable to authenticate validity.

Alternatively, when the security provision agreement and the debt confirmation information received through the information receiving unit 315 further includes a predetermined OTP code for confirming the validity of the security provision agreement and debt confirmation information, By comparing and authenticating the received OTP code included in the security provision agreement and debt confirmation information with the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer (member) on the DBMS, It is desirable to certify the validity of the security agreement and debt confirmation information.

According to the implementation method of the present invention, the confirmation of the validity of the security provision agreement and the debt confirmation information is provided to the ledger D / B (500) on the financial system associated with the security provision agreement and debt confirmation information registration system and It is preferable to include checking whether at least one ledger information matching the debt confirmation information is registered.

In addition, the verification of the validity of the security provision agreement and the debt confirmation information is at least one matching the security provision agreement and debt confirmation information to the registered D / B on the registry system associated with the security provision agreement and debt confirmation information registration system It is preferable to include checking whether the above registered information is registered.

For example, the server may include the customer (member) information (customer (member) personal information, member information, etc.) among the information included in the security provision agreement and debt confirmation information, and the security provision agreement and debt confirmation information registration system. It is preferably made to include matching with the customer (member union) ledger stored in the ledger D / B 500 on the linked financial system.

In addition, the validity confirmation of the security provision agreement and the debt confirmation information is registered in the security provision agreement and debt confirmation information, the registered copy information included in the information on the security provision agreement is registered in the security provision agreement and debt confirmation information It is preferable to include a check that matches the registration information stored in the registration D / B on the registry system associated with the system.

If the validity of the security provision agreement and the debt confirmation information is not authenticated (735), the server generates a web page including predetermined information registration error information and transmits it to the terminal (740), and the security provision agreement And do not perform an information registration procedure corresponding to the debt confirmation information.

On the other hand, if the validity of the security agreement and the debt confirmation information is authenticated (735), the server includes at least one customer (member) information, combination trust information, security agreement information, including the security agreement and debt confirmation information In operation 750, predetermined document contents including debt confirmation information are generated (745), and predetermined security provision agreement and debt confirmation electronic document including the document contents are generated (750).

According to an exemplary embodiment of the present invention, the server may include at least one document including customer (member) information, association trust information, security agreement information, and debt confirmation information included in the received security provision agreement and debt confirmation information. A word processor file that generates content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the document content, or Web document file including the MHT, etc.) is preferably treated as a collateral provision agreement and debt confirmation electronic document for joining the apartment remodeling business fund support loan product.

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document After the watermarking method includes at least one or more information of customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and debt confirmation information, A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) containing document content included therein, or MHT. Web document files, etc.) as a collateral provision agreement and debt confirmation electronic document It is preferable to.

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document Equity agreement and debt confirmation for subscribing to the multi-family remodeling business fund-supported loan product of an image file including captured image contents (e.g., image contents generated by capturing the document contents on a memory) It is preferable to process the document.

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document Customer (member) information, combination trust information, and collateral provision agreement included in the collateral provision agreement and debt confirmation information in the captured image content (e.g., image content generated by capturing the document content on a memory). After providing at least one or more information of the information, debt confirmation information in a watermarking method, a security agreement for subscribing an image file including the image content including the watermarking to the apartment remodeling business fund support loan product And a debt confirmation electronic document.

According to another exemplary embodiment of the present invention, the server includes at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in the received collateral provision agreement and debt confirmation information. A predetermined document file (eg, a Portable Document Format (PDF) file) including document content generated from the document content and capturing the document content (eg, image content generated by capturing the document content on a memory). Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is advisable to treat the collateral provision agreement and the debt confirmation electronic document.

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document Customer (member) information, combination trust information, and collateral provision agreement included in the collateral provision agreement and debt confirmation information in the captured image content (e.g., image content generated by capturing the document content on a memory). Generating an image content including at least one of information and debt confirmation information by a watermarking method, and including a document file (eg, a Portable Document Format (PDF) file) including the image content including the watermarking; Or an EDI (Electronic Data Interchange) file or a word processor file including at least one or more such as HWP / DOC, or M By generating a web document file including the HT, etc., it is preferable to process the collateral provision agreement and debt confirmation electronic document for joining the apartment remodeling business fund support loan product.

According to another exemplary embodiment of the present invention, the server includes at least one of customer (member) information, union trust information, security agreement information, and debt confirmation information included in the received security provision agreement and debt confirmation information. A predetermined document file including image contents (eg, image contents generated by capturing the document contents on a memory) and the security provision agreement and debt confirmation information; (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is advisable to use the collateral provision agreement and the debt confirmation electronic document to join the loan remodeling business. .

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document Customer (member) information, combination trust information, and collateral provision agreement included in the collateral provision agreement and debt confirmation information in the captured image content (e.g., image content generated by capturing the document content on a memory). Generating an image content including at least one of information and debt confirmation information by a watermarking method, and a document file including the watermarking image content and the security agreement and debt confirmation information (eg At least one of a portable document format (PDF) file, an electronic data interchange (EDI) file, or a HWP / DOC file. By creating a web document files, etc.) that includes a word processor file or MHT containing phase, it is preferable to treatment with collateral agreements and debt verification e-documents for the House of Commons remote modeling projects funded loan join.

Those skilled in the art to which the present invention pertains can include technical features for generating a security agreement and a debt confirmation electronic document in an image file format and / or a predetermined document file format, the security agreement and Since the technical characteristics of the file format for the image file and / or the document file corresponding to the debt confirmation electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated security provision agreement and debt confirmation electronic document in a predetermined electronic document storage (755).

As shown in FIG. 3, the electronic document repository is connected to a server on the security provision agreement and debt confirmation information registration system through a predetermined communication means, and a predetermined electronic document server 350 and an electronic document D / B 370. In case of being provided externally, the server transmits the generated security provision agreement and debt confirmation electronic document to the electronic document server 350 through the communication means, so that the electronic document D / B 370 is provided. It is preferable to store in.

Alternatively, when the electronic document repository is provided on a DBMS provided in the security provision agreement and debt confirmation information registration system, the server provides the security agreement and debt confirmation electronic document with the security agreement and debt. It is possible to store in the electronic document D / B 370 corresponding to the electronic document storage on the DBMS provided in the confirmation information registration system, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the security agreement and the debt confirmation electronic document in the electronic document repository may be performed by linking the generated security provision agreement and the debt confirmation electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (370) shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the security provision agreement and the debt confirmation electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the security agreement and the debt confirmation electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer (member) information transmitted by inputting (selecting) the security provision agreement and debt confirmation information) and / or the security agreement agreement and debt confirmation electronics. Financial institution information for transmitting the document, and / or electronic document file format information, and / or the above-mentioned security agreement and debt confirmation information).

If the collateral providing agreement and the debt confirmation electronic document are stored in the electronic document repository (760), the server includes the customer (member) information, association trust information, and collateral provision agreement included in the collateral providing agreement and debt confirmation information. The information and the debt confirmation information are linked and stored in a predetermined storage medium 505 (765), and the predetermined information registration history information (e.g., the details of storing the security agreement and the debt confirmation electronic document in the electronic document repository). , And / or (b) details of storing the collateral provision agreement and debt confirmation information in the storage medium 505 and transmits them to the terminal (770).

According to an embodiment of the present invention, the storage medium 505 is provided on the security provision agreement and debt confirmation information registration system (or associated with the security agreement and debt confirmation information registration system) DBMS on the financial system Preferably, the storage medium 505 is a ledger D / B (500) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (500) The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 505 is provided on (or associated with) the security agreement and debt confirmation information registration system, and / or a telebanking system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

8A, 8B, and 8C are diagrams illustrating a process of registering collateral provision agreement and debt confirmation information through a non-face-to-face financial transaction channel to join a multi-unit remodeling business fund support loan product according to one embodiment of the present invention. to be.

In more detail, FIGS. 8A, 8B, and 8C illustrate a case where the security agreement and debt confirmation information registration system shown in FIG. 3 is realized through an internet banking system among non-face-to-face financial transaction channels (ie, FIG. 3). In the case where the information registration server 300 on the illustrated security provision agreement and debt confirmation information registration system is an Internet banking server, the client terminal is connected to the Internet banking server through a TCP / IP based network (eg, the Internet). After accessing and performing a predetermined customer (member) authentication procedure, the client terminal transmits a predetermined collateral provision agreement and debt confirmation information for joining the apartment remodeling business fund support loan product to the Internet banking server. A predetermined collateral provision agreement and debt confirmation including the received collateral provision agreement and debt confirmation information at the Internet banking server Generates an advisory document and stores it in a predetermined electronic document repository, and processes the customer (member) information, union trust information, collateral provision information, and debt confirmation information included in the collateral providing agreement and debt confirmation information in a predetermined manner. An embodiment of the present invention relates to a storage medium 345, and a person of ordinary skill in the art may refer to and / or modify other types of non-facing surfaces by referring to FIGS. 8A, 8B, and 8C. Although various implementation methods of registering the security agreement and debt confirmation information through the financial transaction channel may be inferred, the present invention includes all the implementation methods inferred, as shown in FIGS. 8A, 8B, and 8C. It is not limited to the implemented method.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 8A, 8B, and 8C, Although a method of connecting an internet banking-based financial transaction channel for secured agreement and debt confirmation information registration between the client terminal and the internet banking server is illustrated based on the browser program, it is common knowledge in the technical field to which the present invention belongs. In the case of a person having the above, the Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 8A, 8B, and 8C is referred to and / or modified based on a predetermined Internet banking program mounted on the client terminal. The client terminal and the Internet Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of security agreement and debt confirmation information between king servers, the present invention provides an internet banking-based financial transaction provided based on the internet banking program. It includes, but the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 8a, 8b and 8c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer implementation methods for linking non-face-to-face channel-based financial transactions channels for collateral provision agreements and debt confirmation information registration. The present invention encompasses all types of non-face-to-face channel based financial transactions, including the telebanking system and / or wireless banking system and / or TV banking system and / or the proposed non-face-to-face channel banking system. The configuration is by no means limited to the case of the Internet banking shown in FIGS. 8A, 8B and 8C.

8A, 8B, and 8C, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 300 is referred to as " server "

8A and 8B and 8C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (800a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (805a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server, (or extracted) and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (810a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be loaded and / or updated in the terminal (815a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (820a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (825a), or if the terminal does not need to install and / or update the Internet banking security module (815a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (830a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide encryption by an encryption algorithm, confirming the digital signature in the terminal and / or knowing the encryption scheme (and / or encryption). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and also from the terminal to the server for registration of security agreement and debt confirmation information. Attaching a predetermined digital signature to information (or data) to be provided and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to a method (and / or an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the server for registering security agreement and debt confirmation information in the terminal. Attach and / or write down certain electronic signatures to information (or data) to be provided by When encrypted and transmitted with one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using an official certificate of the customer (member) mounted on the terminal. It is characterized by performing.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer (member) authentication procedure through the browser program (835a).

According to an exemplary embodiment of the present invention, the Internet banking customer (member) authentication procedure may be performed by the customer (member) through the terminal through predetermined Internet banking-based customer (member) authentication data (eg, customer (member)) through internet banking. When an ID / PW registered in the application process or a customer (member) number or the like is inputted (or generated) and transmitted to the server, the server connected through the terminal based on the customer (member) authentication data from the server ( Member) to authenticate with an Internet banking customer (member), wherein the customer (member) authentication data is preferably transmitted electronically and / or encrypted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer (member) authentication procedure may be performed by the customer (member) through the terminal through predetermined Internet banking-based customer (member) authentication data (eg, a customer (member)) via the Internet. ID / PW registered in the banking application process or a customer (member) number, etc.) is input (or generated) and transmitted to the authentication server, and the authentication server accesses through the terminal based on the customer (member) authentication data. And authenticating one customer (member) as an internet banking customer (member), and providing the result to the server, wherein the customer (member) authentication data preferably includes accredited certificate-based authentication data. And, the authentication server is a server for authenticating the certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer (member) authentication data according to the request, digitally signs and / or encrypts the data through the security module, and transmits the data to the server (and / or the authentication server). Request for customer (member) authentication (840a), and the server (and / or authentication server) face-to-face the customer (member) connected through the terminal based on the customer (member) authentication data received from the terminal. 845a is authenticated as an internet banking customer (member) for channel-based financial transactions.

If the Internet banking customer (combination member) authentication fails (850a), the server blocks the Internet banking security channel for the terminal (855a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer (combination member) authentication is successful (850a), the server converts the Internet banking security channel to the Internet banking-based financial transaction channel in connection with the security module provided in the terminal (860a), where An internet banking-based financial transaction channel refers to a communication channel that transmits and registers a predetermined collateral provision agreement and debt confirmation information for subscribing to a multi-family remodeling business fund support loan product from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for subscribing to the apartment remodeling business fund support loan product to the server through an internet banking-based financial transaction channel (800b), the server correspondingly (Member) a web page including a user interface for inputting (or selecting) collateral provision agreement and debt confirmation information including at least one of information, union trust information, collateral provision agreement information, and debt confirmation information, and transmitting it to the server And generate (or extract) 805b and transmit and output a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (810b).

According to an embodiment of the present invention, the web page inputs the security agreement and debt confirmation information including at least one of customer (member) information, union trust information, security agreement information, debt confirmation information (or And / or a predetermined password and / or security card to verify the validity of the Internet banking customer (member) requesting to register the security agreement and debt confirmation information. Information (e.g., security card information printed on a security card issued to a customer (member) in the process of applying for internet banking) and / or one time password (OTP) (e.g., after applying for internet banking (or after applying for internet banking)) Enter the one-time password generated by the OTP authenticator (or OTP authentication program) provided by the organization to the customer (member). It further comprises a user interface is desirable.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least one or more times according to the security provision agreement and the debt confirmation information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) the collateral providing agreement and the debt confirmation information including at least one of the customer (member) information, association trust information, collateral provision agreement information, and debt confirmation information through the information registration interface ( 815b).

If the terminal provides (or selects) the security provision agreement and the debt confirmation information including the customer (member) information, association trust information, security agreement information, and debt confirmation information through the user interface (820b), The terminal transmits the entered (or selected) collateral provision agreement and debt confirmation information to the server through the financial transaction channel (825b).

According to an embodiment of the present invention, the terminal provides the security at the server to the security provision agreement and debt confirmation information including at least one or more of the customer (member) information, association trust information, security agreement information, debt confirmation information; The network means further including at least one predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for verifying validity of the agreement and debt confirmation information. It is preferable to transmit to the server via.

According to an embodiment of the present invention, the terminal includes at least one encryption method including security agreement and debt confirmation information including at least one or more of the customer (member) information, association trust information, security agreement information, debt confirmation information ( Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. Preferably, a predetermined electronic signature is attached to the information and transmitted to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or at least one encryption. Has a predetermined public certificate containing a key, and / or the public certificate has a predetermined IC chip (Or an IC card), it is preferable that a card reader is provided for checking the official certificate provided on the IC chip (or IC card).

According to an embodiment of the present invention, the terminal includes at least one encryption method including security agreement and debt confirmation information including at least one or more of the customer (member) information, association trust information, security agreement information, debt confirmation information ( Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) for transmission to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or the public certificate has a predetermined certificate. If the IC chip (or IC card) is provided, check the official certificate provided in the IC chip (or IC card) It is preferable that a card reader is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the security agreement and debt confirmation information, and attaching a predetermined electronic signature to the security agreement and debt verification information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the security provision agreement and debt confirmation information through the financial transaction channel to confirm the validity of the security provision agreement and debt verification information (830b).

According to an embodiment of the present invention, the security agreement and debt confirmation information is at least one encryption method (e.g., symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange based encryption scheme, the server may include at least one decryption scheme (eg, a symmetric key based decryption scheme, and / or the like) corresponding to the encryption scheme. Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, or the like, to authenticate validity of the received security provision agreement and debt confirmation information.

Alternatively, when a predetermined electronic signature is attached to the security agreement and debt confirmation information, the server confirms the electronic signature attached to the security agreement and debt confirmation information, thereby receiving the received security agreement and debt confirmation information. It is desirable to authenticate the validity of the.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted collateral provision agreement and debt confirmation information, and the electronic signature attached to the collateral provision agreement and debt confirmation information. Since it will be familiar with the technical features to check, the detailed description thereof will be omitted for convenience.

When the security agreement and debt confirmation information received through the information receiving unit 315 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the security agreement and debt confirmation information, The server compares and authenticates the password received included in the security provision agreement and the debt confirmation information with the password provided corresponding to the customer (member) on the DBMS, thereby verifying the received security provision agreement and debt verification information. It is desirable to authenticate validity.

Alternatively, when the security provision agreement and the debt confirmation information received through the information receiving unit 315 further includes predetermined security card information for confirming the validity of the security provision agreement and the debt confirmation information, the server may include: By comparing and authenticating the security card information included in the security provision agreement and the debt confirmation information with the security card information provided corresponding to the customer (member) on the DBMS, the received security provision agreement and debt verification information are compared. It is desirable to authenticate validity.

Alternatively, when the security provision agreement and the debt confirmation information received through the information receiving unit 315 further includes a predetermined OTP code for confirming the validity of the security provision agreement and debt confirmation information, By comparing and authenticating the received OTP code included in the security provision agreement and the debt confirmation information with the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer (member) on the DBMS, the received collateral It is desirable to certify the validity of the offer agreement and debt confirmation information.

According to the implementation method of the present invention, the confirmation of the validity of the security provision agreement and the debt confirmation information is provided to the ledger D / B (500) on the financial system associated with the security provision agreement and debt confirmation information registration system and It is preferable to include checking whether at least one ledger information matching the debt confirmation information is registered.

In addition, the verification of the validity of the security provision agreement and the debt confirmation information is at least one matching the security provision agreement and debt confirmation information to the registered D / B on the registry system associated with the security provision agreement and debt confirmation information registration system It is preferable to include checking whether the above registered information is registered.

For example, the server may include the customer (member) information (customer (member) personal information, member information, etc.) among the information included in the security provision agreement and debt confirmation information, and the security provision agreement and debt confirmation information registration system. It is preferably made to include matching with the customer (member union) ledger stored in the ledger D / B 500 on the linked financial system.

In addition, the verification of the validity of the security provision agreement and the debt confirmation information is registered in the security provision agreement and debt confirmation information, the registered copy information contained in the information on the security provision agreement is registered in the security provision agreement and debt confirmation information It is preferable to include a check that matches the registration information stored in the registration D / B on the registry system associated with the system.

If the validity of the security provision agreement and the debt confirmation information is not authenticated (835b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (840b), and the security provision agreement And do not perform an information registration procedure corresponding to the debt confirmation information.

On the other hand, if the validity of the security agreement and the debt confirmation information is authenticated (835b), the server includes at least one customer (member) information, combination trust information, security agreement information, including the security agreement and debt confirmation information Generates predetermined document content including debt confirmation information (845b), and generates a predetermined collateral providing agreement and debt confirmation electronic document including the document content (850c).

According to an exemplary embodiment of the present invention, the server may include at least one document including customer (member) information, association trust information, security agreement information, and debt confirmation information included in the received security provision agreement and debt confirmation information. A word processor file that generates content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the document content, or Web document file including the MHT, etc.) is preferably treated as a collateral provision agreement and debt confirmation electronic document for joining the apartment remodeling business fund support loan product.

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document After the watermarking method includes at least one or more information of customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and debt confirmation information, A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) containing document content included therein, or MHT. Web document files, etc.) as a collateral provision agreement and debt confirmation electronic document It is preferable to.

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document Equity agreement and debt confirmation for subscribing to the multi-family remodeling business fund-supported loan product of an image file including captured image contents (e.g., image contents generated by capturing the document contents on a memory) It is preferable to process the document.

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document Customer (member) information, combination trust information, and collateral provision agreement included in the collateral provision agreement and debt confirmation information in the captured image content (e.g., image content generated by capturing the document content on a memory). After providing at least one or more information of the information, debt confirmation information in a watermarking method, a security agreement for subscribing an image file including the image content including the watermarking to the apartment remodeling business fund support loan product And a debt confirmation electronic document.

According to another exemplary embodiment of the present invention, the server includes at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in the received collateral provision agreement and debt confirmation information. A predetermined document file (eg, a Portable Document Format (PDF) file) including document content generated from the document content and capturing the document content (eg, image content generated by capturing the document content on a memory). , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is preferable to process the security agreement and the debt confirmation electronic document.

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document Customer (member) information, combination trust information, and collateral provision agreement included in the collateral provision agreement and debt confirmation information in the captured image content (e.g., image content generated by capturing the document content on a memory). Generating an image content including at least one of information and debt confirmation information by a watermarking method, and including a document file (eg, a Portable Document Format (PDF) file) including the image content including the watermarking; Or an EDI (Electronic Data Interchange) file or a word processor file including at least one or more such as HWP / DOC, or M By generating a web document file including the HT, etc., it is preferable to process the collateral provision agreement and debt confirmation electronic document for joining the apartment remodeling business fund support loan product.

According to another exemplary embodiment of the present invention, the server includes at least one of customer (member) information, union trust information, security agreement information, and debt confirmation information included in the received security provision agreement and debt confirmation information. A predetermined document file including image contents (eg, image contents generated by capturing the document contents on a memory) and the security provision agreement and debt confirmation information; (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is advisable to use the collateral provision agreement and the debt confirmation electronic document to join the loan remodeling business. .

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document Customer (member) information, combination trust information, and collateral provision agreement included in the collateral provision agreement and debt confirmation information in the captured image content (e.g., image content generated by capturing the document content on a memory). Generating an image content including at least one of information and debt confirmation information by a watermarking method, and a document file including the watermarking image content and the security agreement and debt confirmation information (eg At least one of a portable document format (PDF) file, an electronic data interchange (EDI) file, or a HWP / DOC file. By creating a web document files, etc.) that includes a word processor file or MHT containing phase, it is preferable to treatment with collateral agreements and debt verification e-documents for the public housing renovation projects funded loan join.

Those skilled in the art to which the present invention pertains can include technical features for generating a security agreement and a debt confirmation electronic document in an image file format and / or a predetermined document file format, the security agreement and Since the technical characteristics of the file format for the image file and / or the document file corresponding to the debt confirmation electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated security provision agreement and debt confirmation electronic document in a predetermined electronic document storage (855c).

As shown in FIG. 3, the electronic document repository is connected to a server on the security provision agreement and debt confirmation information registration system through a predetermined communication means, and a predetermined electronic document server 350 and an electronic document D / B 370. In case of being provided externally, the server transmits the generated security provision agreement and debt confirmation electronic document to the electronic document server 350 through the communication means, so that the electronic document D / B 370 is provided. It is preferable to store in.

Alternatively, when the electronic document repository is provided on the DBMS provided in the security provision agreement and debt confirmation information registration system, the server provides the security agreement and debt confirmation electronic document with the generated security agreement and debt confirmation electronic document. It is possible to store in the electronic document D / B 370 corresponding to the electronic document storage on the DBMS provided in the information registration system, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the security agreement and the debt confirmation electronic document in the electronic document repository may be performed by linking the generated security provision agreement and the debt confirmation electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (370) shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the security provision agreement and the debt confirmation electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the security agreement and the debt confirmation electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer (member) information transmitted by inputting (selecting) the security provision agreement and debt confirmation information) and / or the security agreement agreement and debt confirmation electronics. Financial institution information for transmitting the document, and / or electronic document file format information, and / or the above-mentioned security agreement and debt confirmation information).

If the collateral providing agreement and the debt confirmation electronic document are stored in the electronic document repository (860c), the server includes the customer (member) information, the cooperative trust information, and the collateral providing agreement included in the collateral providing agreement and the debt confirmation information. The information and the debt confirmation information are interworked and stored in a predetermined storage medium 505 (865c), and the predetermined information registration history information (e.g., the details of storing the collateral provision agreement and the debt confirmation electronic document in the electronic document repository). , And / or record the details of storing the security agreement and the debt confirmation information in the storage medium 505 and transmits the generated information to the terminal (870c).

According to an embodiment of the present invention, the storage medium 505 is provided on the security provision agreement and debt confirmation information registration system (or associated with the security agreement and debt confirmation information registration system) DBMS on the financial system Preferably, the storage medium 505 is a ledger D / B (500) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (500) The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 505 is provided on (or associated with) the security agreement and debt confirmation information registration system, and / or a telebanking system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

FIG. 10 is a diagram illustrating a non-face-to-face collateral provision agreement and debt confirmation information registration system for subscribing to a multi-family remodeling business fund support loan product according to another exemplary embodiment of the present invention.

More specifically, Figure 10 is a predetermined customer (members) through a predetermined information registration interface to provide a security agreement and debt confirmation information registration system customer (members) information, combinations to join the apartment remodeling business fund support loan products When providing a security provision agreement and debt confirmation information including at least one or more of trust information, security provision agreement information, and debt confirmation information, the security provision agreement and debt confirmation information registration system includes the provided security provision agreement and debt verification information. Generate a predetermined collateral provision agreement and debt confirmation electronic document and store it in a predetermined electronic document repository, the customer (member) information included in the collateral provision agreement and debt confirmation information, association trust information, collateral provision agreement information, The system configuration for storing the debt confirmation information in a predetermined storage medium (1045) by linkage processing In more detail, the electronic document repository is an implementation method provided on an external system associated with the security provision agreement and debt confirmation information registration system through a predetermined communication means.

Those skilled in the art to which the present invention pertains, various implementations of the security provision agreement and debt confirmation information registration system configuration for joining the apartment remodeling business fund support loan product by referring to and / or modifying this drawing 10 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 10 so that the electronic document repository is provided in a DBMS located in the security provision agreement and debt confirmation information registration system. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 10, the security agreement and the debt confirmation electronic document are described as being generated on the server side on the security agreement and debt confirmation information registration system. The present invention is not limited thereto, and the security provision agreement and debt confirmation electronic document may be generated at the terminal side which inputs (or selects) the security provision agreement and debt confirmation information (for example, the electronic document provided at the server side). Generation function is provided on the terminal side to generate the security agreement and debt confirmation electronic document), whereby the present invention is not limited.

Hereinafter, the security provision agreement and debt confirmation information are received from the customer (member) through the predetermined information registration interface on the security provision agreement and debt confirmation information registration system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for generating an electronic document and storing the electronic document in a predetermined electronic document storage and storing the security agreement and debt confirmation information in a predetermined storage medium 1045 is conveniently described. Information registration server 1000 ".

Referring to this drawing 10 according to the embodiment of the present invention, the security agreement and debt confirmation information registration system for joining the apartment remodeling business fund support loan product, wired terminal and / or wireless terminal used by the customer (member) And an information registration terminal 1075 including at least one or more client terminals, etc., wherein the information registration terminal 1075 includes the security provision agreement and debt through a predetermined network means. The communication channel is connected to the information registration server 1000 provided on the confirmation information registration system.

According to an embodiment of the present invention, the customer (member) is connected to the information registration server 1000 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. When the client accesses and inputs (or selects) the security provision agreement and debt confirmation information for joining the apartment remodeling business fund support loan product through at least one user interface provided by the information registration server 1000, the client It is preferable that the terminal transmits the information through the predetermined network means to the information registration server 1000 provided on the security provision agreement and debt confirmation information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) ) And / or a smart phone and / or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

The information registration server 1000 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 1000 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based according to the type of wireless communication network connected to the client terminal It is preferable that any one of the portable Internet and / or IEEE 802.11x-based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the information registration server 1000, inputs and / or selects at least one information through the user interface, and transmits the information to the information registration server 1000. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 1000, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the above-described security provision agreement and debt confirmation information registration system, a client terminal including at least one wired terminal and / or wireless terminal used by the customer (member), the client terminal and the information registration server 1000 At least one wired and / or wireless communication network for connecting the service provider performs a function of an information registration interface for registering a security agreement and debt confirmation information for the customer (member) to join the apartment remodeling business fund support loan product. Do.

According to another exemplary embodiment of the present invention, the information registration terminal 1075 is an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. And a fixed line telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the above-mentioned security provision agreement and debt confirmation information registration system, when the information registration terminal 1075 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) ) And the financial network connecting the information registration server 1000 has a function of an information registration interface for registering the security agreement and debt confirmation information for the customer (member) to join the apartment remodeling business fund support loan product. And / or connecting the call terminal (not shown), the call terminal (not shown), and the information registration server 1000 when the information registration terminal 1075 is the call terminal (not shown). In the landline and / or radiotelephone network, the customer (member) registers the mortgage agreement and debt confirmation information to join the apartment remodeling business fund support loan product. And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the information registration terminal 1075, and / or the information registration interface 1075. Alternatively, a network connecting the server (not shown) and the terminal (and / or server) (not shown) and the information registration server 1000 allows the customer (member) to join the apartment remodeling business fund support loan product. To perform the function of the information registration interface for registering collateral and debt confirmation information.

The storage medium 1045 provided on the security provision agreement and debt confirmation information registration system according to the present invention includes the customer (member) included in the security provision agreement and debt confirmation information provided from the information registration terminal 1075. The information, the combination trust information, the collateral provision agreement information, and the debt confirmation information is stored in a predetermined storage medium 1045.

The association trust information includes trust establishment confirmation information regarding the conclusion of a real estate trust contract with the association with respect to a predetermined combination formed for a remodeling business for a apartment house such as an apartment owned by the customer (member); It is preferable to include real estate trust contract information prepared at the time of trust signing, and it may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation is, “I have a remodeling business (hereafter,“ the apartment ”) of the apartment (hereafter,“ the apartment housing ”) ) Is a member of the [] Association ("Borrower" or "Cooperative") formed for I have entered into a real estate trust contract with the union on the day of __________ for the apartment house [] dong [] I owned for the smooth execution of this business. . ”And may be changed according to the intention and purpose of those skilled in the art.

The information on providing the collateral may include consent information for obtaining a predetermined loan as collateral for the apartment, such as apartment owned by the customer (member), and real estate register copy information. It may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation states, “In relation to the loan agreement, your bank has requested to provide the apartment as collateral as a loan condition. As a consignor under the trust agreement in [], the union, who is a trustee, agrees to provide your bank as collateral for the loan obligations under the loan agreement as collateral as requested by your bank without any condition. The specific manners and conditions relating to the provision of security shall be entrusted to the union so that the bank and the union may decide in consultation with it. ”It is preferable to change this according to the intention and purpose of those skilled in the art.

The debt confirmation information is for the client (union) to confirm that there is a debt, with respect to the request information requesting to conclude a loan agreement with a financial institution to submit the security agreement and the debt confirmation letter to conclude a loan agreement. It is preferable to include the confirmation information and the confirmation information to repay the interest equivalent amount in the loan agreement if the union to which the customer (member) is unable to pay the debt, and may be changed according to the intention and purpose of those skilled in the art. .

For example, the statement on the cooperative trust provided in the security agreement and the debt confirmation states, “Of the above loans to the cooperative of your bank, the amount of \ __ ($ __) is the debt that you pay as a member to the union. Check. Therefore, if the union fails to repay the loan principal for your bank, I will reimburse your bank for the above debt and the interest equivalent of the loan agreement between the union and your bank. ” It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (member), which has made the security agreement and debt confirmation. Member information of the customer (member) (e.g., the customer (member)) by joining the financial transaction customer (member) of the financial institution in response to the customer (member) and the security provision agreement and debt confirmation information registration system and It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer (member union) ledger provided on the linked financial system.

According to an embodiment of the present invention, the storage medium 1045 is provided on a financial system provided on the mortgage agreement and debt confirmation information registration system (or associated with the security agreement and debt confirmation information registration system). Preferably, the storage medium 1045 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby The present invention is not limited.

According to another embodiment of the present invention, the storage medium 1045 is provided on (or associated with) the security agreement and the debt confirmation information registration system, and / or a telebanking system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

The information registration server 1000 provided on the security provision agreement and debt confirmation information registration system according to the present invention registers the security agreement and debt confirmation information connected to the information registration terminal 1075 through a predetermined network means. A generic term for system-side components, which may be implemented including at least one server (or device), and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or device), Thereby, this invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 1075 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 1000 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It is not limited.

According to another embodiment of the present invention, when the information registration terminal 1075 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 1000 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 1075 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 1000 is configured for the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the information registration terminal 1075 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 1000 may be configured as described above. A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 1000 is characterized by comprising an interface unit 1005 for connecting and managing a predetermined communication channel with the information registration terminal 1075 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 1075 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1005 At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 1005 connects a communication channel with the client terminal based on the TCP / IP protocol, By using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 1000, the interface unit 1005 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 1075 is a financial automation device connected to a predetermined financial network, the interface unit 1005 may be configured based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal 1075 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1005 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal based on. Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1005 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 1000, the interface unit 1005 may be connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 1075 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1005 may include the wired telephone network and / or It is preferable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1005 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 1075 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1005 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 10, when the predetermined information registration terminal 1075 connects a predetermined communication channel with the information registration server 1000 through the interface unit 1005, the information registration server 1000 may share the common information. At least one user interface for inputting (or selecting) predetermined collateral provision agreement and debt confirmation information from the information registration terminal 1075 to subscribe to a home remodeling business fund support loan product to the information registration server 1000 Interface providing unit (1010) for generating (or extracting) and providing the generated (or extracted) user interface to the information registration terminal (1075) in association with the interface unit (1005), and the information registration terminal ( In operation 1075, when the security agreement and debt confirmation information are input (or selected) through the user interface, the security information is linked with the interface unit 1005. And an information receiver 1015 for receiving the security agreement and debt confirmation information transmitted from the information registration terminal 1075.

The interface providing unit 1010 connects a predetermined communication channel with the information registration server 1000 through the interface registration unit 1005, and then sends the information registration server 1000 to the information registration server 1000. When requesting a user interface for subscribing to a multi-family house remodeling business support loan product, the information registration server 1075 inputs (or selects) predetermined security provision agreement and debt confirmation information through the network means. Create at least one user interface to be transmitted to 1000, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 1005 to the network. It is characterized in that provided to the information registration terminal 1075 through means.

According to an embodiment of the present invention, when the information registration terminal 1075 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1010 may include a browser program provided in the client terminal and And / or generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1005.

According to another exemplary embodiment of the present invention, when the information registration terminal 1075 is a financial automation device connected to a predetermined financial network, the interface providing unit 1010 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the automated teller machine via the interface unit 1005.

According to another exemplary embodiment of the present invention, when the information registration terminal 1075 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1010 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1005.

According to another exemplary embodiment of the present invention, when the information registration terminal 1075 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1010 is the call terminal (not shown). Generate (or extract) a predetermined user interface which can be provided as an omission, and generate the user interface (eg, ARS based user interface) generated by the interface unit 1005 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 1075 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1010 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1005. .

At least one of inputting (or selecting) predetermined collateral provision agreement and debt confirmation information to the information registration terminal 1075 according to another embodiment of the present invention and transmitting the information to the information registration server 1000 through the network means. When a predetermined information registration program having the above user interface is provided, a user interface for inputting (or selecting) predetermined security provision agreement and debt confirmation information as described above to be transmitted to the information registration server 1000 is generated. The interface providing unit 1010 (or extracted) provided to the information registration terminal 1075 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 1075 inputs the security provision agreement and the debt verification information including at least one of the customer (member) information, union trust information, collateral provision agreement information, debt confirmation information through the user interface ( Or transmits the input (or the selected) collateral provision agreement and debt confirmation information to the information registration server 1000 through the network means, and correspondingly, the information receiving unit 1015 transmits the interface unit ( In connection with 1005, it is characterized in that for receiving the security agreement and debt confirmation information transmitted from the information registration terminal (1075).

According to an embodiment of the present invention, the information registration terminal 1075 includes the customer (union) information, association trust information, collateral provision agreement information, debt confirmation information including at least one or more of the security provision agreement and debt confirmation information; OTP code generated through a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for verifying the validity of the security agreement and debt confirmation information in the information registration server 1000 It is preferable to further include at least one to transmit to the information registration server 1000 through the network means.

According to the exemplary embodiment of the present invention, the information registration terminal 1075 includes collateral provision agreement and debt confirmation information including at least one of the customer (unionized member) information, union trust information, collateral provision agreement information, and debt confirmation information. Encrypt using at least one encryption scheme (eg, symmetric key based encryption scheme, and / or public key based encryption scheme, and / or electronic envelope based encryption scheme, and / or key exchange based encryption scheme, etc.); and / or It is preferable to attach a predetermined electronic signature to the security provision agreement and debt confirmation information and transmit it to the information registration server 1000 through the network means. For this purpose, the information registration terminal 1075 corresponds to the encryption method. With at least one encryption key and / or with a predetermined certificate containing at least one encryption key Or, and / or it is preferred that the certificate is provided with the predetermined IC chip, if that is provided on (or IC card), the card to verify the certificate provided in the IC chip (or IC card) reader.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the security agreement and debt confirmation information, and attaching a predetermined electronic signature to the security agreement and debt verification information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Referring to FIG. 10, the information registration server 1000 receives the collateral providing agreement and the debt confirmation information transmitted from the information registration terminal 1075 through the information receiving unit 1015. And a validity confirming unit 1020 confirming whether the debt confirmation information satisfies the validity for joining the apartment remodeling business fund support loan product.

According to an embodiment of the present invention, the security agreement and debt confirmation information is at least one encryption method (e.g., symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange-based encryption scheme, etc., the validity confirming unit 1020 may use the at least one decryption scheme (eg, a symmetric key based scheme) corresponding to the encryption scheme to provide the encrypted security agreement and debt confirmation information. Decryption method, and / or public key-based decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc., thereby validating the validity of the received security provision agreement and debt confirmation information. It is desirable to.

Alternatively, when a predetermined electronic signature is attached to the security agreement and the debt confirmation information, the validity confirming unit 1020 checks the electronic signature attached to the security agreement and debt confirmation information, thereby providing the received security It is desirable to certify the validity of consent and debt confirmation information.

Those skilled in the art to which the present invention pertains can include technical features of various decryption methods for decrypting the encrypted security agreement and debt confirmation information, and the electronic appended to the security agreement and debt confirmation information. Since you will be familiar with the technical features of verifying signatures, a detailed description thereof will be omitted for convenience.

When the security agreement and debt confirmation information received through the information receiving unit 1015 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the security agreement and debt confirmation information, The validity confirming unit 1020 compares and authenticates the received password included in the security provision agreement and the debt confirmation information with the password provided corresponding to the customer (member) on the DBMS, thereby receiving the received security provision agreement and It is desirable to authenticate the validity of the debt confirmation information.

Alternatively, when the security agreement and debt confirmation information received through the information receiving unit 1015 further includes predetermined security card information for confirming the validity of the security agreement and debt confirmation information, the validity confirmation The unit 1020 compares and authenticates the security card information included in the security provision agreement and the debt confirmation information with the security card information provided in correspondence with the customer (member) on the DBMS, thereby receiving the received security provision agreement. And authenticating validity of the debt confirmation information.

Alternatively, when the security agreement and debt confirmation information received through the information receiving unit 1015 further includes a predetermined OTP code for confirming the validity of the security agreement and debt confirmation information, the validity confirmation unit 1020 compares and authenticates the OTP code generated based on the OTP code received included in the security provision agreement and the debt confirmation information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer (member) on the DBMS. It is preferable to authenticate the validity of the received security agreement and debt confirmation information.

According to an embodiment of the present invention, the validity confirmation of the security provision agreement and the debt confirmation information is provided to the ledger D / B on the financial system associated with the security provision agreement and the debt confirmation information registration system. It is preferable to include a check whether at least one or more ledger information is matched with.

In addition, the verification of the validity of the security provision agreement and the debt confirmation information is at least one matching the security provision agreement and debt confirmation information to the registered D / B on the registry system associated with the security provision agreement and debt confirmation information registration system It is preferable to include checking whether the above registered information is registered.

For example, the validity confirming unit 1020 may include the customer (member) member information (customer (member) member information, member information, etc.) among the information included in the collateral provision agreement and the debt confirmation information. It is preferable to include checking whether the information matches with the customer ledger stored in the ledger D / B on the financial system associated with the confirmation information registration system.

In addition, the validity confirmation of the security provision agreement and the debt confirmation information is registered in the security provision agreement and debt confirmation information, the registered copy information included in the information on the security provision agreement is registered in the security provision agreement and debt confirmation information It is preferable to include a check that matches the registration information stored in the registration D / B on the registry system associated with the system.

Referring to FIG. 10, when the validity of the security provision agreement and debt confirmation information is authenticated through the validity verification unit 1020, the information registration server 1000 includes the received security provision agreement and debt verification information. An electronic document generation unit 1025 for generating a predetermined collateral providing agreement and a debt confirmation electronic document, and the generated collateral providing agreement and a debt confirmation electronic document associated with the collateral providing agreement and the debt confirmation information registration system. It is characterized by comprising an electronic document transmission unit 1030 to transmit to the storage.

The electronic document generating unit 1025 generates a security provision agreement and debt confirmation electronic document including the security agreement and debt confirmation information received from the information registration terminal 1075 through the information receiving unit 1015. It is characterized by.

According to an exemplary embodiment of the present invention, the electronic document generation unit 1025 may provide customer (member) information, combination trust information, and collateral included in the collateral provision agreement and the debt confirmation information received through the information reception unit 1015. Generate document content including at least one agreement information and debt confirmation information, and include a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) including the document content. Or a word processor file including at least one or the like, or a web document file including the MHT, etc.), it is preferable to process the security agreement and the debt confirmation electronic document for joining the apartment remodeling business fund support loan product.

Alternatively, the electronic document generation unit 1025 may include customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and the debt confirmation information received through the information reception unit 1015. Generating at least one document content including at least one of customer (member) information, association trust information, security agreement information, and debt confirmation information included in the security provision agreement and debt confirmation information; After including in a watermarking manner, at least a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing document content including the watermarking. A word processor file including one or more, or a web document file including an MHT). It is advisable to process the security agreement and the debt confirmation electronic document.

Alternatively, the electronic document generation unit 1025 may include customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and the debt confirmation information received through the information reception unit 1015. The multi-family housing remodeling fund for generating an image file including at least one document content, and an image file including image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory). It is advisable to process collateral provision agreements and debt verification electronic documents to join a support loan.

Alternatively, the electronic document generation unit 1025 may include customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and the debt confirmation information received through the information reception unit 1015. Generates document content including at least one, and included in the collateral provision agreement and debt confirmation information in the image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. After including at least one of customer (member) information, association trust information, collateral provision information, debt confirmation information in a watermarking manner, and the image file including the image content including the watermarking in the joint Housing Remodeling Business Fund Support It is recommended to process collateral provision agreement and debt confirmation electronic documents to join loan products. It is.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1025 may include customer (member) information, combination trust information, and collateral included in the security provision agreement and the debt confirmation information received through the information receiving unit 1015. Predetermined document content including at least one offer information and debt confirmation information, and including image content (eg, image content generated by capturing the document content on a memory). Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to process the collateral provision agreement and the debt confirmation electronic document for joining the apartment remodeling business capital assistance loan product.

Alternatively, the electronic document generation unit 1025 may include customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and the debt confirmation information received through the information reception unit 1015. Generates document content including at least one, and included in the collateral provision agreement and debt confirmation information in the image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. Generating image content including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information by a watermarking method, the image content including the watermarking; At least one document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) By generating a word processor file or a web document file including the MHT, etc.), it is preferable to process the secured agreement and the debt confirmation electronic document for joining the apartment remodeling business fund support loan product.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1025 may include customer (member) information, union trust information, included in the security provision agreement and debt confirmation information received through the information receiving unit 1015, Generating document content including at least one of collateral provision information and debt confirmation information, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the collateral; A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing the provision agreement and debt confirmation information, or MHT By creating a web document file including the), the collateral provision agreement and debt security for joining the apartment remodeling business fund support loan products It is preferable to process the electronic document.

Alternatively, the electronic document generation unit 1025 may include customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and the debt confirmation information received through the information reception unit 1015. Generates document content including at least one, and included in the collateral provision agreement and debt confirmation information in the image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. Generating image content including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information by a watermarking method; and the image content including the watermarking and the collateral A document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data Interch) containing the offer agreement and debt confirmation information ange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby providing a security agreement and debt for joining the apartment remodeling business fund support loan product. It is desirable to process it as a confirmation electronic document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 1025 and the technical features for generating a security agreement and debt confirmation electronic document of the image file format and / or a predetermined document file format and Since the technical features of the file format for the image file and / or the document file corresponding to the security provision agreement and the debt confirmation electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 1030 transfers the security provision agreement and debt confirmation electronic document generated by the electronic document generation unit 1025 to a predetermined electronic document repository associated with the security provision agreement and debt verification information registration system. Characterized in that the transmission and storage.

As shown in FIG. 10, the electronic document repository is an electronic document server 1050 and an electronic document linked to the information registration server 1000 on the security provision agreement and debt confirmation information registration system through predetermined communication means. When provided to the outside including the D / B (1070), the electronic document transmission unit 1030 is to send the security agreement and the debt confirmation electronic document generated by the electronic document generation unit 1025 to the communication means Characterized in that the transmission to the electronic document server (1050).

Here, when the electronic document server 1050 and the electronic document D / B 1070 are provided outside the security provision agreement and debt confirmation information registration system, the electronic document server 1050 and the electronic document D / The B 1070 is preferably managed by an authorized agency.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the security provision agreement and debt confirmation information registration system, the electronic document transmitting unit 1030 is the electronic document generating unit 1025 It is possible to store the security agreement and the debt confirmation electronic document generated by the electronic document D / B (1070) corresponding to the electronic document storage on the DBMS provided in the security agreement and debt confirmation information registration system. The present invention is not limited thereby.

According to an embodiment of the present invention, the electronic document transmission unit 1030 is electronic document related information (for example, the security provision agreement and debt confirmation information) for generating a predetermined electronic document management information in the electronic document server 1050 Customer (member) information transmitted by inputting (selection), and / or financial institution information transmitting the security agreement and debt confirmation electronic document, and / or electronic document file format information, and / or the security offer agreement and Debt confirmation information, etc.) may be further transmitted to the electronic document storage, and the present invention is not limited thereto.

Referring to FIG. 10, the information registration server 1000 provides the security agreement and debt confirmation information received through the information receiving unit 1015 through the validity checking unit 1020. When the validity for the subscription is authenticated, the predetermined storage medium is processed by integrating the customer (member) information, association trust information, collateral provision information, and debt confirmation information included in the security provision agreement and the debt confirmation information certified for validity. And an information storage unit 1035 for storing in 1045.

When the validity confirmation unit 1020 confirms the validity of the collateral provision agreement and the debt confirmation information, the information storage unit 1035 includes the customer (member) information and combinations included in the collateral provision agreement and debt confirmation information. Trust information, collateral provision information, and debt confirmation information to be stored in the storage medium 1045 in a cooperative process, wherein the storage medium 1045 is provided in the information registration server 1000 or the information registration. When provided on the network associated with the server 1000, the information storage unit 1035, the customer (member) information included in the received collateral offer agreement and debt confirmation information, combination trust information, collateral offer agreement information, It is preferable that the debt confirmation information is cooperatively processed and stored in the storage medium 1045. When the storage medium 1045 is provided in a DBMS provided on a financial system, the information storage unit 1035 stores the information. DBMS provided on financial system by providing customer (member) information, union trust information, collateral trust information, debt confirmation information and debt confirmation information included in the information system through the external system on the financial system. It is preferable to store in.

Referring to FIG. 10, a predetermined electronic document D / B 1070 is received by receiving a predetermined security provision agreement and a debt confirmation electronic document from the information registration server 1000 provided on the security provision agreement and debt confirmation information registration system. The electronic document server 1050 which stores and manages the electronic document server 1050 stores the electronic document receiving unit 1055 for receiving a predetermined security provision agreement and debt confirmation electronic document from the information registration server 1000 through a predetermined communication unit. An information generation unit 1060 for generating predetermined electronic document management information for storing and managing the received security provision agreement and debt confirmation electronic document in the electronic document D / B 1070, and the electronic document management information; And an electronic document storage unit 1065 for linking the collateral providing agreement and the debt confirmation electronic document and storing the secured document in the predetermined electronic document D / B 1070.

The electronic document receiving unit 1055 receives a security provision agreement and a debt confirmation electronic document in the form of an image file and / or a document file from the information registration server 1000 through the communication means.

According to an embodiment of the present invention, the collateral provision agreement and debt confirmation electronic document received by the electronic document receiving unit 1055 through the communication means is received by the information registration server 1000 from the information registration terminal 1075. Document files (e.g., Portable Document Format) including document contents including at least one of customer (member) information, union trust information, security agreement information, and debt confirmation information included in a security agreement and debt confirmation information. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

Alternatively, the collateral provision agreement and the debt confirmation electronic document received by the electronic document receiving unit 1055 through the communication means, the collateral provision agreement and debt received by the information registration server 1000 from the information registration terminal 1075. Customer (member) information included in the collateral provision agreement and debt confirmation information in the document content including at least one of customer (member) information, union trust information, collateral provision information, and debt confirmation information included in the confirmation information, union A document file (eg, a Portable Document Format (PDF) file including document content including the watermarking) after including at least one or more information of trust information, security agreement information, and debt confirmation information by a watermarking method. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document wave including an MHT. It is preferred comprising the like).

Alternatively, the collateral providing agreement and the debt confirmation received by the electronic document receiving unit 1055 through the communication means, the collateral providing agreement and the debt confirmation received by the information registration server 1000 from the information registration terminal 1075. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer (member) information, union trust information, collateral provision information, and debt confirmation information included in the information. Preferably an image file containing one image content).

Alternatively, the collateral provision agreement and the debt confirmation electronic document received by the electronic document receiving unit 1055 through the communication means, the collateral provision agreement and debt received by the information registration server 1000 from the information registration terminal 1075. Image content (e.g., the document content is captured on a memory) which captures document content including at least one of customer (member) information, union trust information, collateral provision information, and debt confirmation information included in the confirmation information. Generated image contents) including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in the security provision agreement and debt confirmation information by watermarking. Preferably, the image file includes an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the collateral providing agreement and the debt confirmation electronic document received by the electronic document receiving unit 1055 through the communication means are received by the information registration server 1000 from the information registration terminal 1075. Image content capturing document content including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in the received collateral provision agreement and debt confirmation information (eg, At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content generated by capturing document content on a memory. Word processor files, or web document files containing MHT).

Alternatively, the collateral providing agreement and the debt confirmation received by the electronic document receiving unit 1055 through the communication means, the collateral providing agreement and the debt confirmation received by the information registration server 1000 from the information registration terminal 1075. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer (member) information, union trust information, collateral provision information, and debt confirmation information included in the information. An image containing at least one of information (customer information), association trust information, collateral provision information, and debt confirmation information included in the security provision agreement and the debt confirmation information in a watermarking manner. A document file (eg, a Portable Document Format (PDF) file) that generates content and includes the image content including the watermarking. One, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the security agreement and debt confirmation electronic document received by the electronic document receiving unit 1055 through the communication means is the information registration server 1000 is the information registration terminal (1075) Image content (e.g., captured) of document content including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in collateral provision agreement and debt confirmation information received from A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing the document contents captured by the image on the memory, and the security provision agreement and debt confirmation information; Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is right.

Alternatively, the collateral providing agreement and the debt confirmation received by the electronic document receiving unit 1055 through the communication means, the collateral providing agreement and the debt confirmation received by the information registration server 1000 from the information registration terminal 1075. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer (member) information, union trust information, collateral provision information, and debt confirmation information included in the information. An image containing at least one of information (customer information), association trust information, collateral provision information, and debt confirmation information included in the security provision agreement and the debt confirmation information in a watermarking manner. A statement that generates contents and includes the image contents including the watermarking and the collateral provision agreement and debt confirmation information. A file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable.

The information generating unit 1060 is a predetermined electronic document unique number (or unique information) to be assigned to the security agreement and debt confirmation electronic document received through the electronic document receiving unit 1055, and the electronic document receiving unit 1055 Electronic document management information including electronic document storage date and time information including the date and time (or the date and time that the security agreement and debt confirmation electronic document was stored) received the security agreement and debt confirmation electronic document through It is characterized by generating.

According to the exemplary embodiment of the present invention, the information generating unit 1060 may refer to the information registration server 1000 that has transmitted the security agreement and the debt confirmation electronic document received through the electronic document receiving unit 1055. It is preferable to confirm the financial institution that has sent the security agreement and the debt confirmation electronic document, and generate the electronic document management information further including the confirmed financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 1000 through the electronic document receiving unit 1055, the information generating unit 1060 receives the received information. Electronic document-related information (e.g., customer (member) information transmitted by inputting (selecting) the collateral provision agreement and debt confirmation information) and / or financial institution information transmitting the collateral provision agreement and debt confirmation electronic document, and / Or electronic document file format information, and / or the security provision agreement and debt confirmation information, etc.).

The electronic document storage unit 1065 associates the collateral provision agreement and the debt confirmation electronic document received through the electronic document receiving unit 1055 with the electronic document management information generated through the information generation unit 1060, thereby predetermining a predetermined value. The electronic document is stored in the D / B 1070.

According to an embodiment of the present invention, the information registration server 1000 registers the information on the security provision agreement and the debt confirmation electronic document which the electronic document storage unit 1065 stores in the electronic document D / B 1070. Document files (eg, document files including at least one or more of the customer (members) information, combination trust information, collateral provision information, debt confirmation information included in the security provision agreement and debt confirmation information received from the terminal 1075 (eg , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

Alternatively, the collateral provision agreement and the debt confirmation electronic document stored in the electronic document D / B 1070 by the electronic document storage unit 1065 may be received by the information registration server 1000 from the information registration terminal 1075. The customer included in the collateral providing agreement and the debt confirmation information in the document contents including at least one of customer (member) information, union trust information, collateral providing information, and debt confirmation information included in the collateral providing agreement and debt confirmation information ( After including at least one of the information (members) information, association trust information, collateral provision information, debt confirmation information in a watermarking method, a document file (for example, PDF ( Portable Document Format (EDI) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more such as HWP / DOC, or web documents including MHT It comprises a work, etc.) are preferred.

Alternatively, the collateral provision agreement and the debt confirmation electronic document stored in the electronic document D / B 1070 by the electronic document storage unit 1065 may be received by the information registration server 1000 from the information registration terminal 1075. Image content capturing document content including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in collateral provision agreement and debt confirmation information (e.g., the document content Preferably includes an image file including image content generated by capturing the image on a memory.

Alternatively, the collateral provision agreement and the debt confirmation electronic document stored in the electronic document D / B 1070 by the electronic document storage unit 1065 may be received by the information registration server 1000 from the information registration terminal 1075. Image content capturing document content including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in collateral provision agreement and debt confirmation information (e.g., the document content To at least one or more of customer (member) information, association trust information, security agreement information, and debt confirmation information included in the security provision agreement and debt confirmation information. After including in a) method, it is preferable that the watermarking comprises an image file including the image content.

According to another embodiment of the present invention, the security agreement agreement and debt confirmation electronic document that the electronic document storage unit 1065 stores in the electronic document D / B (1070) the information registration server 1000 is the information Capturing document contents including at least one of customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and the debt confirmation information received from the registration terminal 1075. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing image content (eg, image content generated by capturing the document content on a memory). And a word processor file including at least one or a web document file including MHT).

Alternatively, the collateral provision agreement and the debt confirmation electronic document stored in the electronic document D / B 1070 by the electronic document storage unit 1065 may be received by the information registration server 1000 from the information registration terminal 1075. Image content capturing document content including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in collateral provision agreement and debt confirmation information (e.g., the document Watermarking at least one of customer (member) information, association trust information, security agreement information, and debt confirmation information included in the collateral provision agreement and debt confirmation information to the image content generated by capturing content on the memory; A document file (eg, Portable Document Format (PDF)) containing the image content including the watermark is generated and the image content is included in a watermarking method. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the secured agreement and debt confirmation electronic document stored in the electronic document D / B 1070 by the electronic document storage unit 1065 is determined by the information registration server 1000. Capturing document contents including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in the security provision agreement and debt confirmation information received from the information registration terminal 1075 A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic) containing one image content (e.g., image content generated by capturing the document content on a memory) and the security agreement and debt confirmation information. Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). Preferable.

Alternatively, the collateral provision agreement and the debt confirmation electronic document stored in the electronic document D / B 1070 by the electronic document storage unit 1065 may be received by the information registration server 1000 from the information registration terminal 1075. Image content capturing document content including at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in collateral provision agreement and debt confirmation information (e.g., the document content To at least one or more of customer (member) information, association trust information, security agreement information, and debt confirmation information included in the security provision agreement and debt confirmation information. Generating image content, including the watermarking and the collateral providing agreement and debt confirmation information; Including a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to make.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1070 by the electronic document storage unit 1065 in association with the security provision agreement and the debt confirmation electronic document is stored in the collateral. It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the provision agreement and the debt confirmation electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management unit 1065 stores the electronic document management information stored in the electronic document D / B 1070 in association with the security provision agreement and the debt confirmation electronic document. It is preferable that the financial institution further includes information on the financial institution providing the security agreement and the debt confirmation electronic document confirmed with reference to the information registration server 1000 that transmitted the security agreement and the debt confirmation electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 1000, the electronic document storage unit 1065 is associated with the security provision agreement and the debt confirmation electronic document. The electronic document management information that is processed and stored in the electronic document D / B 1070 is transmitted to a customer (combination member) who has received (selected) the electronic document related information (for example, the security agreement and debt confirmation information). Information, and / or financial institution information for transmitting the security agreement and debt confirmation electronic document, and / or electronic document file format information, and / or the security agreement and debt verification information, etc.). Do.

11 is a collateral provision agreement and debt confirmation information stored in the ledger D / B (1100) provided in the DBMS on the financial system in a non-face-to-face in order to join the apartment remodeling business fund support loan products according to an embodiment of the present invention Figure is a diagram.

In more detail, in FIG. 11, when the storage medium 1045 illustrated in FIG. 10 is the ledger D / B 1100 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 1100 is used. An information structure for an embodiment of storing a security provision agreement and debt confirmation information including the customer (member) information, union trust information, collateral provision information, and debt confirmation information is shown in the technical field to which the present invention pertains. Those skilled in the art will be able to infer various information construction methods for storing the collateral provision agreement and debt confirmation information in the ledger D / B 1100 by referring to and / or modifying this drawing 11. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to Figure 11 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (1100) provided in the DBMS on the financial system is a predetermined customer (member) ledger, the customer (member) ledger and It is shown to include a linked ledger (for example, a ledger, loan ledger, etc.) and at least one information associated with the ledger, if the person of ordinary skill in the art to which the present invention belongs The ledger D / B 1100 provided in the DBMS on the system includes at least one ledger (e.g., a loan ledger, a mortgage ledger, ...) in addition to the customer (member) and account ledgers shown in FIG. It will be clearly understood that at least one additional information for maintaining and managing the ledgers is further included, and the specific technical matters for this will be understood. A detailed description thereof will be omitted for convenience.

The head of the customer (member), CIF (Customer Information File) number, country code, contact person ID, branch number, customer (member) member classification, customer (member) member name, customer (member) member address, region identification code, telephone number, business place No., Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW , DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The director of the customer (member) includes ledger information for the customer (member) including at least one of individual customers (members), corporate customers (members), minors and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer (member) ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer (member union) ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, amount of time extension, ARS establishment, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, number of bank account transactions, interest rate account, flat currency connection, final payment interest , The final payment transaction number, the individual interest rate reference, and the final interest calculation date, etc., and include the account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information including at least one, and / or trust reception information including at least one or more of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the account source. At least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 11, the security agreement and debt confirmation information provided through the security agreement and debt confirmation information registration system shown in FIG. 10 are stored in the form of additional information added to the account ledger. Collateral provision agreement and debt confirmation information is characterized in that it comprises at least one of customer (member) information, union trust information, collateral provision agreement information, debt confirmation information.

The association trust information includes trust establishment confirmation information regarding the conclusion of a real estate trust contract with the association with respect to a predetermined combination formed for a remodeling business for a apartment house such as an apartment owned by the customer (member); It is preferable to include real estate trust contract information prepared at the time of trust signing, and it may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation is, “I have a remodeling business (hereafter,“ the apartment ”) of the apartment (hereafter,“ the apartment housing ”) ) Is a member of the [] Association ("Borrower" or "Cooperative") formed for I have entered into a real estate trust contract with the union on the day of __________ for the apartment house [] dong [] I owned for the smooth execution of this business. . ”And may be changed according to the intention and purpose of those skilled in the art.

The information on providing the collateral may include consent information for obtaining a predetermined loan as collateral for the apartment, such as apartment owned by the customer (member), and real estate register copy information. It may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation states, “In relation to the loan agreement, your bank has requested to provide the apartment as collateral as a loan condition and I hereby agree that As a consignor under the trust agreement in [], the union, who is a trustee, agrees to provide your bank as collateral for the loan obligations under the loan agreement as collateral as requested by your bank without any condition. The specific manners and conditions relating to the provision of security shall be entrusted to the union so that the bank and the union may decide in consultation with it. ”It is preferable to change this according to the intention and purpose of those skilled in the art.

The debt confirmation information is for the client (union) to confirm that there is a debt, with respect to the request information requesting to conclude a loan agreement with a financial institution to submit the security agreement and the debt confirmation letter to conclude a loan agreement. It is preferable to include the confirmation information and the confirmation information to repay the interest equivalent amount in the loan agreement when the union to which the customer (member) is not able to meet the debt, and may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the security agreement and the debt confirmation states, “Of the above loans to the cooperative of your bank, the amount of \ __ ($ __) is the debt that you pay as a member to the union. Check. Therefore, if the union fails to repay the loan principal for your bank, I will reimburse your bank for the debt and the interest equivalent of the loan agreement between the union and your bank. ” It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (member), which has made the security agreement and debt confirmation. Member information of the customer (member) (e.g., the customer (member)) by joining the financial transaction customer (member) of the financial institution in response to the customer (member) and the security provision agreement and debt confirmation information registration system and It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer (member union) ledger provided on the linked financial system.

According to another exemplary embodiment of the present invention, the security agreement and debt confirmation information are stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ( And the form of additional information added to the General Ledger) and / or the information included in the ledger other than the account ledger (for example, the customer (member) ledger), thereby limiting the present invention. No.

12 is a mortgage agreement provided in a database linked to the ledger D / B 1200 provided in a DBMS on a financial system in a non-face-to-face manner in order to join a multi-unit remodeling business fund support loan product according to another embodiment of the present invention. And the debt confirmation information structure.

More specifically, FIG. 12 illustrates an information method of an embodiment in which the storage medium 1045 illustrated in FIG. 10 is stored in a predetermined database processed in association with a ledger D / B 1200 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 12 to transmit the security provision agreement and debt confirmation information to a predetermined database in the ledger D / B 1200. It is possible to infer a variety of information configuration method for storing in association with), but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 12, it is not easy to store the security provision agreement and debt confirmation information in the ledger information of the ledger D / B 1200 on the DBMS provided on the financial system (for example, in accordance with the policy of a financial institution). If it is not easy to change the ledger D / B 1200 of the DBMS, or the system expansion is not easy due to the nature of the financial system), the agreement to provide the collateral to a predetermined database instead of the ledger D / B 1200 A method of storing debt confirmation information and linking and storing the database and the ledger D / B 1200 is illustrated.

In addition, the database shown in FIG. 12 need not be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 12, and the database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 12, the database stores and stores the customer (member) information, union trust information, collateral provision information, and debt confirmation information included in the collateral provision agreement and debt confirmation information. The collateral provision agreement and debt confirmation information may further include a CIF number corresponding to the ledger information in the collateral provision agreement and debt confirmation information to be processed in connection with the ledger D / B 1200.

The association trust information includes trust establishment confirmation information regarding the conclusion of a real estate trust contract with the association with respect to a predetermined combination formed for a remodeling business for a apartment house such as an apartment owned by the customer (member); It is preferable to include real estate trust contract information prepared at the time of trust signing, and it may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation is, “I have a remodeling business (hereafter,“ the apartment ”) of the apartment (hereafter,“ the apartment housing ”) ) Is a member of the [] Association ("Borrower" or "Cooperative") formed for I have entered into a real estate trust contract with the union on the day of __________ for the apartment house [] dong [] I owned for the smooth execution of this business. . ”And may be changed according to the intention and purpose of those skilled in the art.

The information on providing the collateral may include consent information for obtaining a predetermined loan as collateral for the apartment, such as apartment owned by the customer (member), and real estate register copy information. It may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation states, “In relation to the loan agreement, your bank has requested to provide the apartment as collateral as a loan condition. As a consignor under the trust agreement in [], the union, who is a trustee, agrees to provide your bank as collateral for the loan obligations under the loan agreement as collateral as requested by your bank without any condition. The specific manners and conditions relating to the provision of the security shall be left to the union so that the bank and the union may decide in consultation. ”It may be changed according to the intention and purpose of those skilled in the art.

The debt confirmation information is for the client (union) to confirm that there is a debt, with respect to the request information requesting to conclude a loan agreement with a financial institution to submit the security agreement and the debt confirmation letter to conclude a loan agreement. It is preferable to include the confirmation information and the confirmation information to repay the interest equivalent amount in the loan agreement when the union to which the customer (member) is not able to meet the debt, and may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the security agreement and the debt confirmation states, “Of the above loans to the cooperative of your bank, the amount of \ __ ($ __) is the debt that you pay as a member to the union. Check. Therefore, if the union fails to repay the loan principal for your bank, I will reimburse your bank for the above debt and the interest equivalent of the loan agreement between the union and your bank. ” It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes the personal information of the customer (member), for example, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc. Member information of the customer (member) (e.g., the customer (member)) by joining the financial transaction customer (member) of the financial institution in response to the customer (member) and the security provision agreement and debt confirmation information registration system and It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer (member union) ledger provided on the linked financial system.

FIG. 13 is a diagram illustrating a security provision agreement and debt confirmation information stored in a DBMS provided in a banking server in a non-face-to-face manner for joining a multi-family remodeling business fund support loan product according to another embodiment of the present invention.

More specifically, in Figure 13, the storage medium 1045 shown in Figure 10 is a predetermined banking provided on an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment provided in the DBMS provided in the server, if one of ordinary skill in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modified in Figure 13 It is possible to infer a method of constructing information on a security provision agreement and debt confirmation information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. .

Referring to FIG. 13, a predetermined DBMS provided in the banking server processes the customer (member) information, union trust information, collateral provision information, and debt confirmation information included in the collateral provision agreement and debt confirmation information. It is characterized by storing.

The association trust information includes trust establishment confirmation information regarding the conclusion of a real estate trust contract with the association with respect to a predetermined combination formed for a remodeling business for a apartment house such as an apartment owned by the customer (member); It is preferable to include real estate trust contract information prepared at the time of trust signing, and it may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation is, “I have a remodeling business (hereafter,“ the apartment ”) of the apartment (hereafter,“ the apartment housing ”) ) Is a member of the [] Association ("Borrower" or "Cooperative") formed for I have entered into a real estate trust contract with the union on the day of __________ for the apartment house [] dong [] I owned for the smooth execution of this business. . ”And may be changed according to the intention and purpose of those skilled in the art.

The information on providing the collateral may include consent information for obtaining a predetermined loan as collateral for the apartment, such as apartment owned by the customer (member), and real estate register copy information. It may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the mortgage agreement and the debt confirmation states, “In relation to the loan agreement, your bank has requested to provide the apartment as collateral as a loan condition. As a consignor under the trust agreement in [], the union, who is a trustee, agrees to provide your bank as collateral for the loan obligations under the loan agreement as collateral as requested by your bank without any condition. The specific manners and conditions relating to the provision of security shall be entrusted to the union so that the bank and the union may decide in consultation with it. ”It is preferable to change this according to the intention and purpose of those skilled in the art.

The debt confirmation information is for the client (union) to confirm that there is a debt, with respect to the request information requesting to conclude a loan agreement with a financial institution to submit the security agreement and the debt confirmation letter to conclude a loan agreement. It is preferable to include the confirmation information and the confirmation information to repay the interest equivalent amount in the loan agreement when the union to which the customer (member) is not able to meet the debt, and may be changed according to the intention and purpose of those skilled in the art.

For example, the statement on the cooperative trust provided in the security agreement and the debt confirmation states, “Of the above loans to the cooperative of your bank, the amount of \ __ (\ __) of the above loans is the debt owed to the union as the member. Check. Therefore, if the union fails to repay the loan principal for your bank, I will reimburse your bank for the above debt and the interest equivalent of the loan agreement between the union and your bank. ” It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (member), which has made the security agreement and debt confirmation. Member information of the customer (member) (e.g., the customer (member)) by joining the financial transaction customer (member) of the financial institution in response to the customer (member) and the security provision agreement and debt confirmation information registration system and It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer (member union) ledger provided on the linked financial system.

14A and 14B are diagrams illustrating a process of registering collateral provision agreement and debt confirmation information in a non-face-to-face manner in order to join a multi-family remodeling business fund support loan product according to an exemplary embodiment of the present invention.

In more detail, in FIG. 14A and FIG. 14B, the information registration terminal 1075 on the security provision agreement and debt confirmation information registration system shown in FIG. 10 is a client terminal, and the information registration server 1000 uses predetermined network means. In the case where the client terminal has a web server function accessible through the client terminal, a predetermined customer (member), through the client terminal (member) information, union trust information, When the security provision agreement and debt confirmation information including at least one of the security provision agreement information and the debt confirmation information is provided, the predetermined security provision agreement and debt confirmation information including the provided security provision agreement and debt confirmation information in the security provision agreement and debt confirmation information registration system are provided. Create a collateral provision agreement and debt confirmation electronic document and store it in a predetermined electronic document repository, An embodiment of the present invention relates to an implementation method of linking and processing the customer (member) information, association trust information, collateral provision information, and debt confirmation information included in the preliminary security provision agreement and debt confirmation information in a predetermined storage medium 1045. Those skilled in the art to which the present invention pertains may register the security provision agreement and debt confirmation information from the client terminal to the information registration server 1000 by referring to and / or modifying the drawings 14a and 14b. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 14A and 14B.

For example, in the embodiment shown in FIGS. 14A and 14B, a predetermined web provided by the information registration server 1000 may provide a user interface for the client terminal to input (or select) the security provision agreement and debt confirmation information. Although illustrated as being provided through a page, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the information registration server 1000, and the present invention is not limited thereto. No.

Hereinafter, in FIG. 14A and FIG. 14B, the client terminal shown in FIG. 10 is referred to as a "terminal" for convenience, and the information registration server 1000 shown in FIG. 10 is referred to as a "server" for convenience, and in the client terminal The customer (member) information, union trust information, collateral provision agreement information, and debt confirmation information transmitted to the information registration server 1000 are referred to as "collateral provision agreement and debt confirmation information" for convenience.

Referring to FIGS. 14A and 14B, when the client terminal illustrated in FIG. 10 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connecting to a server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN, to connect a predetermined communication channel, and When requesting a web page including a user interface for joining a home remodeling business fund support loan product (1400), the server correspondingly requests the customer (member) information, union trust information, collateral provision information, and debt confirmation information. And a user interface for inputting (or selecting) security confirmation agreement and debt confirmation information including at least one of the information, and transmitting the information to the server. Generates a web page (or extract), and 1405, and outputs via the network means sends a web page containing the created user interface (or extract) to the mobile station (1410).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the security provision agreement and the debt confirmation information registration procedure. This is not limited.

Thereafter, the terminal inputs (or selects) the security provision agreement and the debt verification information including at least one or more customer (member) information, union trust information, collateral provision information, and debt confirmation information through a user interface included in the web page. (1415).

If the terminal provides (or selects) the security provision agreement and the debt confirmation information including the customer (member) information, association trust information, security agreement information, and debt confirmation information through the user interface (1420), The terminal transmits the input (or selected) customer (member) information, association trust information, security agreement information, debt confirmation information to the server through the communication channel (1425).

According to an embodiment of the present invention, the terminal provides the security at the server to the security provision agreement and debt confirmation information including at least one or more of the customer (member) information, association trust information, security agreement information, debt confirmation information; The network means further including at least one predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for verifying validity of the agreement and debt confirmation information. It is preferable to transmit to the server via.

According to an embodiment of the present invention, the terminal includes at least one encryption method including security agreement and debt confirmation information including at least one or more of the customer (member) information, association trust information, security agreement information, debt confirmation information ( Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. Preferably, a predetermined electronic signature is attached to the information and transmitted to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or at least one encryption. Has a predetermined public certificate containing a key, and / or the public certificate has a predetermined IC chip (Or an IC card), it is preferable that a card reader is provided for checking the official certificate provided on the IC chip (or IC card).

According to an embodiment of the present invention, the terminal includes at least one encryption method including security agreement and debt confirmation information including at least one or more of the customer (member) information, association trust information, security agreement information, debt confirmation information ( Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) for transmission to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or the public certificate has a predetermined certificate. If the IC chip (or IC card) is provided, check the official certificate provided in the IC chip (or IC card). It is preferably provided with a card reader for.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the security agreement and debt confirmation information, and attaching a predetermined electronic signature to the security agreement and debt verification information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer (member) information, association trust information, collateral provision agreement information, and debt confirmation information through the communication channel to confirm validity of the collateral provision agreement and debt confirmation information (1430). ).

According to an embodiment of the present invention, at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method) may include at least one security agreement and debt confirmation information. And / or a key exchange-based encryption scheme, etc., the server may include at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme for the encrypted security agreement and debt confirmation information. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received security agreement and debt confirmation information. .

Alternatively, when a predetermined electronic signature is attached to the security agreement and debt confirmation information, the server confirms the electronic signature attached to the security agreement and debt confirmation information, thereby receiving the received security agreement and debt confirmation information. It is desirable to authenticate the validity of the.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted collateral provision agreement and debt confirmation information, and the electronic signature attached to the collateral provision agreement and debt confirmation information. Since it will be familiar with the technical features to check, the detailed description thereof will be omitted for convenience.

When the security agreement and debt confirmation information received through the information receiving unit 1015 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the security agreement and debt confirmation information The server compares and authenticates the received password included in the collateral provision agreement and the debt confirmation information with the password provided corresponding to the customer (member) on the DBMS, thereby verifying the received collateral provision agreement and debt confirmation information. It is desirable to authenticate validity.

Alternatively, when the security provision agreement and the debt confirmation information received through the information receiving unit 1015 further includes predetermined security card information for confirming the validity of the security provision agreement and the debt confirmation information, the server may include: By comparing and authenticating the security card information included in the security provision agreement and the debt confirmation information with the security card information provided corresponding to the customer (member) on the DBMS, the received security provision agreement and debt verification information are compared. It is desirable to authenticate validity.

Alternatively, when the security provision agreement and the debt confirmation information received through the information receiving unit 1015 further includes a predetermined OTP code for confirming the validity of the security agreement and debt confirmation information, By comparing and authenticating the received OTP code included in the security provision agreement and the debt confirmation information with the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer (member) on the DBMS, the received collateral It is desirable to certify the validity of the offer agreement and debt confirmation information.

According to an embodiment of the present invention, the security confirmation of the security provision agreement and the debt confirmation information is provided to the ledger D / B (1200) on the financial system associated with the security provision agreement and debt confirmation information registration system and It is preferable to include checking whether at least one ledger information matching the debt confirmation information is registered.

In addition, the verification of the validity of the security provision agreement and the debt confirmation information is at least one matching the security provision agreement and debt confirmation information to the registered D / B on the registry system associated with the security provision agreement and debt confirmation information registration system It is preferable to include checking whether the above registered information is registered.

For example, the server may include the customer (member) information (customer (member) personal information, member information, etc.) among the information included in the security provision agreement and debt confirmation information, and the security provision agreement and debt confirmation information registration system. It is preferably made to include matching with the customer (member union) ledger stored in the ledger D / B 1200 on the linked financial system.

In addition, the validity confirmation of the security provision agreement and the debt confirmation information is registered in the security provision agreement and debt confirmation information, the registered copy information included in the information on the security provision agreement is registered in the security provision agreement and debt confirmation information It is preferable to include a check that matches the registration information stored in the registration D / B on the registry system associated with the system.

If the validity of the security provision agreement and the debt confirmation information is not authenticated (1435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1440), and the security provision agreement And do not perform an information registration procedure corresponding to the debt confirmation information.

On the other hand, if the validity of the security agreement and debt confirmation information is authenticated (1435), the server includes at least one customer (member) information including the security agreement and debt confirmation information, union trust information, security agreement information In operation 1450, predetermined document content including debt confirmation information is generated, and a predetermined security provision agreement and debt confirmation electronic document including the document content are generated (1450).

According to an exemplary embodiment of the present invention, the server may include at least one document including customer (member) information, association trust information, security agreement information, and debt confirmation information included in the received security provision agreement and debt confirmation information. A word processor file that generates content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the document content, or an MHT. Web document files, such as including) is preferably treated as a collateral provision agreement and debt confirmation electronic documents for joining the apartment housing remodeling business fund support loan products.

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document After the watermarking method includes at least one or more information of customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and debt confirmation information, A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) containing document content included therein, or MHT. Web document files, etc.) as a collateral provision agreement and debt confirmation electronic document It is preferable to.

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document Equity agreement and debt confirmation for subscription to the apartment remodeling business fund support loan product of the image file including the captured image content (eg, the image content generated by capturing the document content on the memory) It is preferable to process the document.

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document Customer (member) information, combination trust information, and collateral provision agreement included in the collateral provision agreement and debt confirmation information in the captured image content (e.g., image content generated by capturing the document content on a memory). After providing at least one or more information of the information, debt confirmation information in a watermarking method, a security agreement for subscribing an image file including the image content including the watermarking to the apartment remodeling business fund support loan product And a debt confirmation electronic document.

According to another exemplary embodiment of the present invention, the server includes at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in the received collateral provision agreement and debt confirmation information. A predetermined document file (eg, a Portable Document Format (PDF) file) including document content generated from the document content and capturing the document content (eg, image content generated by capturing the document content on a memory). , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is preferable to process the security agreement and the debt confirmation electronic document.

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document Customer (member) information, combination trust information, and collateral provision agreement included in the collateral provision agreement and debt confirmation information in the captured image content (e.g., image content generated by capturing the document content on a memory). Generating an image content including at least one of information and debt confirmation information by a watermarking method, and including a document file (eg, a Portable Document Format (PDF) file) including the image content including the watermarking; Or an EDI (Electronic Data Interchange) file or a word processor file including at least one or more such as HWP / DOC, or M By generating a web document file including the HT, etc., it is preferable to process the collateral provision agreement and debt confirmation electronic document for joining the apartment remodeling business fund support loan product.

According to another exemplary embodiment of the present invention, the server includes at least one of customer (member) information, union trust information, security agreement information, and debt confirmation information included in the received security provision agreement and debt confirmation information. A predetermined document file including image contents (eg, image contents generated by capturing the document contents on a memory) and the security provision agreement and debt confirmation information; (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is advisable to use the collateral provision agreement and the debt confirmation electronic document to join the loan remodeling business. .

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document Customer (member) information, combination trust information, and collateral provision agreement included in the collateral provision agreement and debt confirmation information in the captured image content (e.g., image content generated by capturing the document content on a memory). Generating an image content including at least one of information and debt confirmation information by a watermarking method, and a document file including the watermarking image content and the security agreement and debt confirmation information (eg At least one of a portable document format (PDF) file, an electronic data interchange (EDI) file, or a HWP / DOC file. By creating a web document files, etc.) that includes a word processor file or MHT containing phase, it is preferable to treatment with collateral agreements and debt verification e-documents for the public housing renovation projects funded loan join.

Those skilled in the art to which the present invention pertains can include technical features for generating a security agreement and a debt confirmation electronic document in an image file format and / or a predetermined document file format, the security agreement and Since the technical characteristics of the file format for the image file and / or the document file corresponding to the debt confirmation electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated security provision agreement and debt confirmation electronic document in a predetermined electronic document storage (1455).

As shown in FIG. 10, the electronic document repository is connected with a server on the security provision agreement and debt confirmation information registration system through a predetermined communication means, and a predetermined electronic document server 1050 and an electronic document D / B 1070. When provided to the outside, the server transmits the generated security agreement and debt confirmation electronic document to the electronic document server 1050 through the communication means to the electronic document D / B (1070) It is preferable to store in.

Alternatively, when the electronic document repository is provided on a DBMS provided in the security provision agreement and debt confirmation information registration system, the server checks the security agreement and debt confirmation electronic document generated by the security agreement and debt verification. It is possible to store in the electronic document D / B 1070 corresponding to the electronic document storage on the DBMS provided in the information registration system, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the security agreement and the debt confirmation electronic document in the electronic document repository may be performed by linking the generated security provision agreement and the debt confirmation electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (1070) shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the security provision agreement and the debt confirmation electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the security agreement and the debt confirmation electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer (member) information transmitted by inputting (selecting) the security provision agreement and debt confirmation information) and / or the security agreement agreement and debt confirmation electronics. Financial institution information for transmitting the document, and / or electronic document file format information, and / or the above-mentioned security agreement and debt confirmation information).

If the collateral providing agreement and the debt confirmation electronic document are stored in the electronic document repository (1460), the server includes the customer (member) information, union trust information, and collateral provision agreement included in the collateral providing agreement and the debt confirmation information. The information and the debt confirmation information are linked and stored in a predetermined storage medium 1205 (1465), and the predetermined information registration history information (e.g., the details of storing the security agreement and the debt confirmation electronic document in the electronic document repository). , And / or (or details of storing the collateral provision agreement and debt confirmation information) in the storage medium 1205 and generates (or extracts) and transmits the generated information to the terminal (1470).

According to an embodiment of the present invention, the storage medium 1205 is provided on the security provision agreement and debt confirmation information registration system (or associated with the security agreement and debt confirmation information registration system) DBMS on the financial system Preferably, the storage medium 1205 is a ledger D / B 1200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1200. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1205 is provided with (or associated with) the security agreement and debt confirmation information registration system, and / or a telebanking system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

15A, 15B, and 15C illustrate a process of registering a mortgage agreement and debt confirmation information through a non-face-to-face financial transaction channel to join a multi-family remodeling business fund support loan product according to one embodiment of the present invention. to be.

In more detail, FIGS. 15A, 15B, and 15C illustrate a case where the security provision agreement and debt confirmation information registration system shown in FIG. 10 is realized through an internet banking system among non-face-to-face financial transaction channels (ie, in FIG. 10). In the case where the information registration server 1000 on the security provision agreement and debt confirmation information registration system shown is an Internet banking server, the client terminal is connected to the Internet banking server through a TCP / IP based network (for example, the Internet). After accessing and performing a predetermined customer (member) authentication procedure, the client terminal transmits a predetermined collateral provision agreement and debt confirmation information for joining the apartment remodeling business fund support loan product to the Internet banking server. Certain security provision agreement and debt confirmation including the security provision agreement and debt confirmation information received from the Internet banking server The electronic document is generated and stored in a predetermined electronic document repository, and the customer (member) information, association trust information, collateral provision information, and debt confirmation information included in the collateral provision agreement and debt confirmation information are processed in a predetermined manner. The present invention relates to a storage medium 1045 of the present invention, and those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 15a, 15b, and 15c for other types of ratios. Although various implementation methods for registering the security offer agreement and debt confirmation information through the face-to-face financial transaction channel may be inferred, the present invention includes all the implementation methods inferred, as shown in FIGS. 15A, 15B, and 15C. It is not limited to the implementation method shown.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 15A, 15B, and 15C, Although a method of connecting an internet banking-based financial transaction channel for secured agreement and debt confirmation information registration between the client terminal and the internet banking server is illustrated based on the browser program, it is common knowledge in the technical field to which the present invention belongs. If a person with a reference to the Internet banking-based financial transaction channel connection method using the browser program shown in Figures 15a, 15b and 15c, and / or modified based on a predetermined Internet banking program mounted on the client terminal Interconnect with the client terminal Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for secured agreement and debt confirmation information registration between the net banking servers, the present invention provides an internet banking-based financial service provided based on the internet banking program. Transactions, and the invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 15a, 15b and 15c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer implementation methods for linking non-face-to-face channel-based financial transactions channels for collateral provision agreements and debt confirmation information registration. The present invention encompasses all types of non-face-to-face channel based financial transactions, including the telebanking system and / or wireless banking system and / or TV banking system and / or the proposed non-face-to-face channel banking system. The configuration is not limited to the case of the Internet banking shown in Figs. 15A, 15B and 15C.

15A, 15B, and 15C, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 1000 is referred to as " server "

15A, 15B, and 15C, when the terminal executes a browser program and accesses the server through the TCP / IP-based network (1500a), the server connects the terminal and the server through the browser. The communication channel is connected to the communication channel (1505a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1510a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (1515a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1520a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (1525a), or if the terminal does not need to load and / or update the security module for internet banking (1515a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1530a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and also from the terminal to the server for registration of security agreement and debt confirmation information. Attaching a predetermined digital signature to information (or data) to be provided and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to a method (and / or an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the server for registering security agreement and debt confirmation information in the terminal. Attach and / or write down certain electronic signatures to information (or data) to be provided by When encrypted and transmitted with one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using an official certificate of the customer (member) mounted on the terminal. It is characterized by performing.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer (member) authentication procedure through the browser program (1535a).

According to an exemplary embodiment of the present invention, the Internet banking customer (member) authentication procedure may be performed by the customer (member) through the terminal through predetermined Internet banking-based customer (member) authentication data (eg, customer (member)) through internet banking. When an ID / PW registered in the application process or a customer (member) number or the like is inputted (or generated) and transmitted to the server, the server connected through the terminal based on the customer (member) authentication data from the server ( Member) to authenticate with an Internet banking customer (member), wherein the customer (member) authentication data is preferably transmitted electronically and / or encrypted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer (member) authentication procedure may be performed by the customer (member) through the terminal through predetermined Internet banking-based customer (member) authentication data (eg, a customer (member)) via the Internet. When the ID / PW registered in the banking application process or the customer (member) number, etc.) is input (or generated) and transmitted to the authentication server, the authentication server sends the authentication server through the terminal based on the customer (member) authentication data. And authenticating the connected customer (member) as an internet banking customer (member), and providing the result to the server, wherein the customer (member) authentication data includes authentication certificate based authentication data. Preferably, the authentication server is a server for authenticating the official certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer (member) authentication data according to the request, digitally signs and / or encrypts the data through the security module, and transmits the data to the server (and / or the authentication server). Request for customer (union) authentication (1540a), and the server (and / or authentication server) face-to-face with the customer (union) connected through the terminal based on the customer (union) authentication data received from the terminal. Authenticate as an internet banking customer (member) for channel-based financial transactions (1545a).

If the Internet banking customer (union) authentication fails (1550a), the server blocks the Internet banking security channel for the terminal (1555a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer (combination member) authentication is successful (1550a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1560a), where The Internet banking-based financial transaction channel refers to a communication channel that can register and transmit predetermined collateral provision agreement and debt confirmation information for joining the apartment remodeling business fund support loan product from the terminal to the server.

Subsequently, when the terminal requests a webpage including a user interface for subscribing to the apartment remodeling business fund support loan product to the server through an internet banking-based financial transaction channel (1500b), the server correspondingly (Member) a web page including a user interface for inputting (or selecting) collateral provision agreement and debt confirmation information including at least one of information, union trust information, collateral provision agreement information, and debt confirmation information, and transmitting it to the server And generate (or extract) 1505b and transmit and output a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (1510b).

According to an embodiment of the present invention, the web page inputs the security agreement and debt confirmation information including at least one of customer (member) information, union trust information, security agreement information, debt confirmation information (or And / or a predetermined password and / or security card to verify the validity of the Internet banking customer (member) requesting to register the security agreement and debt confirmation information. Information (e.g., security card information printed on a security card issued to a customer (member) in the process of applying for an internet banking) and / or one time password (OTP) (e.g., after an internet banking application process (or after an internet banking application)) Enter the one-time password generated by the OTP authenticator (or OTP authentication program) provided to the customer (member) by It further comprises a user interface is desirable.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least one or more times according to the security provision agreement and the debt confirmation information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) the collateral providing agreement and the debt confirmation information including at least one of the customer (member) information, association trust information, collateral provision agreement information, and debt confirmation information through the information registration interface ( 1515b).

If the terminal provides (or selects) the security agreement and the debt confirmation information including the customer (member) information, association trust information, security agreement information, and debt confirmation information through the user interface (1520b), The terminal transmits the entered (or selected) collateral provision agreement and debt confirmation information to the server through the financial transaction channel (1525b).

According to an embodiment of the present invention, the terminal provides the security to the collateral providing agreement and the debt confirmation information including at least one or more of the customer (member) information, combination trust information, security agreement information, debt confirmation information; The network means further including at least one predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for verifying validity of the agreement and debt confirmation information. It is preferable to transmit to the server via.

According to an embodiment of the present invention, the terminal includes at least one encryption method including security agreement and debt confirmation information including at least one or more of the customer (member) information, association trust information, security agreement information, debt confirmation information ( Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. Preferably, a predetermined electronic signature is attached to the information and transmitted to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or at least one encryption. Has a predetermined public certificate containing a key, and / or the public certificate has a predetermined IC chip (Or an IC card), it is preferable that a card reader is provided for checking the official certificate provided on the IC chip (or IC card).

According to an embodiment of the present invention, the terminal may include at least one encryption method including security agreement and debt confirmation information including at least one of the customer (member) information, association trust information, security agreement information, and debt confirmation information ( Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) for transmission to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or the public certificate has a predetermined certificate. If the IC chip (or IC card) is provided, check the accredited certificate provided on the IC chip (or IC card). It is preferably provided with a card reader for.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the security agreement and debt confirmation information, and attaching a predetermined electronic signature to the security agreement and debt verification information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the security provision agreement and the debt confirmation information through the financial transaction channel to confirm the validity of the security provision agreement and the debt verification information (1530b).

According to an embodiment of the present invention, the security agreement and debt confirmation information is at least one encryption method (eg, symmetric key based encryption and / or public key based encryption, and / or electronic envelope based encryption, And / or a key exchange-based encryption scheme, etc., the server may include at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme for the encrypted security agreement and debt confirmation information. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received security agreement and debt confirmation information. .

Alternatively, when a predetermined electronic signature is attached to the security agreement and debt confirmation information, the server confirms the electronic signature attached to the security agreement and debt confirmation information, thereby receiving the received security agreement and debt confirmation information. It is desirable to authenticate the validity of the.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted collateral provision agreement and debt confirmation information, and the electronic signature attached to the collateral provision agreement and debt confirmation information. Since it will be familiar with the technical features to check, the detailed description thereof will be omitted for convenience.

When the security agreement and debt confirmation information received through the information receiving unit 1015 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the security agreement and debt confirmation information, The server compares and authenticates the password received included in the security provision agreement and the debt confirmation information with the password provided corresponding to the customer (member) on the DBMS, thereby verifying the received security provision agreement and debt verification information. It is desirable to authenticate validity.

Alternatively, when the security provision agreement and the debt confirmation information received through the information receiving unit 1015 further includes predetermined security card information for confirming the validity of the security provision agreement and the debt confirmation information, the server may include: By comparing and authenticating the security card information included in the security provision agreement and the debt confirmation information with the security card information provided corresponding to the customer (member) on the DBMS, the received security provision agreement and debt verification information are compared. It is desirable to authenticate validity.

Alternatively, when the security provision agreement and the debt confirmation information received through the information receiving unit 1015 further includes a predetermined OTP code for confirming the validity of the security agreement and debt confirmation information, By comparing and authenticating the received OTP code included in the security provision agreement and the debt confirmation information with the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer (member) on the DBMS, the received collateral It is desirable to certify the validity of the offer agreement and debt confirmation information.

According to an embodiment of the present invention, the security confirmation of the security provision agreement and the debt confirmation information is provided to the ledger D / B (1200) on the financial system associated with the security provision agreement and debt confirmation information registration system and It is preferable to include checking whether at least one ledger information matching the debt confirmation information is registered.

In addition, the verification of the validity of the security provision agreement and the debt confirmation information is at least one matching the security provision agreement and debt confirmation information to the registered D / B on the registry system associated with the security provision agreement and debt confirmation information registration system It is preferable to include checking whether the above registered information is registered.

For example, the server may include the customer (member) information (customer (member) personal information, member information, etc.) among the information included in the security provision agreement and debt confirmation information, and the security provision agreement and debt confirmation information registration system. It is preferably made to include matching with the customer (member union) ledger stored in the ledger D / B 1200 on the linked financial system.

In addition, the validity confirmation of the security provision agreement and the debt confirmation information is registered in the security provision agreement and debt confirmation information, the registered copy information included in the information on the security provision agreement is registered in the security provision agreement and debt confirmation information It is preferable to include a check that matches the registration information stored in the registration D / B on the registration system associated with the system.

If the validity of the security provision agreement and the debt confirmation information is not authenticated (1535b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1540b), and the security provision agreement And do not perform an information registration procedure corresponding to the debt confirmation information.

On the other hand, if the validity of the collateral provision agreement and the debt confirmation information is authenticated (1535b), the server includes at least one customer (member) information including the collateral provision agreement and debt confirmation information, union trust information, collateral provision agreement information In operation 1550c, predetermined document content including debt confirmation information is generated (1545b), and predetermined security provision agreement and debt confirmation electronic document including the document content are generated (1550c).

According to an exemplary embodiment of the present invention, the server may include at least one document including customer (member) information, association trust information, security agreement information, and debt confirmation information included in the received security provision agreement and debt confirmation information. A word processor file that generates content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the document content, or an MHT. Web document file, etc.) is preferably treated as a collateral provision agreement and debt confirmation electronic document for joining the joint housing remodeling business fund support loan product.

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document After the watermarking method includes at least one or more information of customer (member) information, union trust information, security agreement information, and debt confirmation information included in the security provision agreement and debt confirmation information, A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) containing document content included therein, or MHT. Web document files, etc.) as a collateral provision agreement and debt confirmation electronic document It is preferable to.

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document Equity agreement and debt confirmation for subscribing to the multi-family remodeling business fund-supported loan product of an image file including captured image contents (e.g., image contents generated by capturing the document contents on a memory) It is preferable to process the document.

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document Customer (member) information, combination trust information, and collateral provision agreement included in the collateral provision agreement and debt confirmation information in the captured image content (e.g., image content generated by capturing the document content on a memory). After providing at least one or more information of the information, debt confirmation information in a watermarking method, a security agreement for subscribing an image file including the image content including the watermarking to the apartment remodeling business fund support loan product And a debt confirmation electronic document.

According to another exemplary embodiment of the present invention, the server includes at least one of customer (member) information, association trust information, collateral provision information, and debt confirmation information included in the received collateral provision agreement and debt confirmation information. A predetermined document file (eg, a Portable Document Format (PDF) file) including document content generated from the document content and capturing the document content (eg, image content generated by capturing the document content on a memory). , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to process the security agreement and security confirmation electronic document.

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document Customer (member) information, combination trust information, and collateral provision agreement included in the collateral provision agreement and debt confirmation information in the captured image content (e.g., image content generated by capturing the document content on a memory). Generating an image content including at least one of information and debt confirmation information by a watermarking method, and including a document file (eg, a Portable Document Format (PDF) file) including the image content including the watermarking; Or an EDI (Electronic Data Interchange) file or a word processor file including at least one or more such as HWP / DOC, or M By generating a web document file including the HT, etc., it is preferable to process the collateral provision agreement and debt confirmation electronic document for joining the apartment remodeling business fund support loan product.

According to another exemplary embodiment of the present invention, the server includes at least one of customer (member) information, union trust information, security agreement information, and debt confirmation information included in the received security provision agreement and debt confirmation information. A predetermined document file including image contents (eg, image contents generated by capturing the document contents on a memory) and the security provision agreement and debt confirmation information; (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is advisable to use the collateral provision agreement and the debt confirmation electronic document to join the loan remodeling business. .

Or, the server generates document content including at least one or more customer (member) information, combination trust information, collateral provision information, debt confirmation information included in the received security provision agreement and debt confirmation information, the document Customer (member) information, combination trust information, and collateral provision agreement included in the collateral provision agreement and debt confirmation information in the captured image content (e.g., image content generated by capturing the document content on a memory). Generating an image content including at least one of information and debt confirmation information by a watermarking method, and a document file including the watermarking image content and the security agreement and debt confirmation information (eg At least one of a portable document format (PDF) file, an electronic data interchange (EDI) file, or a HWP / DOC file. By creating a web document files, etc.) that includes a word processor file or MHT containing phase, it is preferable to treatment with collateral agreements and debt verification e-documents for the public housing renovation projects funded loan join.

Those skilled in the art to which the present invention pertains can include technical features for generating a security agreement and a debt confirmation electronic document in an image file format and / or a predetermined document file format, the security agreement and Since the technical characteristics of the file format for the image file and / or the document file corresponding to the debt confirmation electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated security provision agreement and debt confirmation electronic document in a predetermined electronic document storage (1555c).

As shown in FIG. 10, the electronic document repository is connected with a server on the security provision agreement and debt confirmation information registration system through a predetermined communication means, and a predetermined electronic document server 1050 and an electronic document D / B 1070. When provided to the outside, the server transmits the generated security agreement and debt confirmation electronic document to the electronic document server 1050 through the communication means to the electronic document D / B (1070) It is preferable to store in.

Alternatively, when the electronic document repository is provided on a DBMS provided in the security provision agreement and debt confirmation information registration system, the server checks the security agreement and debt confirmation electronic document generated by the security agreement and debt verification. It is possible to store in the electronic document D / B 1070 corresponding to the electronic document storage on the DBMS provided in the information registration system, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the security agreement and the debt confirmation electronic document in the electronic document repository may be performed by linking the generated security provision agreement and the debt confirmation electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (1070) shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the security provision agreement and the debt confirmation electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the security agreement and the debt confirmation electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer (member) information transmitted by inputting (selecting) the security provision agreement and debt confirmation information) and / or the security agreement agreement and debt confirmation electronics. Financial institution information for transmitting the document, and / or electronic document file format information, and / or the above-mentioned security agreement and debt confirmation information).

If the collateral providing agreement and the debt confirmation electronic document are stored in the electronic document repository (1560c), the server includes the customer (member) information, union trust information, and collateral provision agreement included in the collateral providing agreement and the debt confirmation information. The information and the debt confirmation information are cooperatively processed and stored in a predetermined storage medium 1205 (1565c), and predetermined information registration history information (for example, the details of storing the security agreement and the debt confirmation electronic document in the electronic document repository). And / or (or details of storing the security agreement and debt confirmation information) in the storage medium 1205 and generates (or extracts) and transmits the generated information to the terminal (1570c).

According to an embodiment of the present invention, the storage medium 1205 is provided on the security provision agreement and debt confirmation information registration system (or associated with the security agreement and debt confirmation information registration system) DBMS on the financial system Preferably, the storage medium 1205 is a ledger D / B 1200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1200. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1205 is provided with (or associated with) the security agreement and debt confirmation information registration system, and / or a telebanking system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

FIG. 16 is a diagram illustrating a system for opening a face-to-face multi-family remodeling business fund support personal loan product account system for processing migration expenses and expected withdrawal as a personal loan support amount according to an embodiment of the present invention.

In more detail, FIG. 16 illustrates an application for joining a private home remodeling project for a multi-unit housing remodeling project, in which a predetermined customer (member) includes at least one predetermined customer (member) information, migration cost information, expected withdrawal information, and security application information. After filling out and submitting to a window provided at a predetermined financial institution, the financial institution relies on the information on the application for joining the apartment remodeling business fund assistance personal loan product corresponding to the application for joining the apartment remodeling business fund assistance personal loan product. Apartment housing remodeling business fund support to process migration costs and expected withdrawals as personal loan support amount Opening a personal loan product account and apartment housing remodeling business fund support personal loan to manage the apartment housing remodeling business fund support personal loan product account Store product subscription information in a predetermined storage medium 1690. Regarding the system configuration, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the drawing 16 to support the remodeling business fund for the remodeling business for remodeling the housing expenses and the expected withdrawal as the personal loan support amount. Various implementation methods for constructing a personal loan product account opening system may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 16 to store the electronic housing remodeling business fund assistance personal loan product subscription application electronic document in the electronic document repository. It will be possible to infer the configuration of a system for opening a multi-unit housing remodeling business fund support personal loan product that omits the method, and also to keep the electronic document application for subscription to the multi-family remodeling business fund support personal loan product in the electronic document repository. In addition to the implementation method shown in FIG. 16, the electronic document repository may infer an implementation method provided in the DBMS located in the system for opening a multi-unit housing remodeling business fund support personal loan product account. Method, including the method shown in FIG. Not determined

In addition, as shown in Figure 16, in the implementation method for generating the electronic housing remodeling business funds assistance personal loan product subscription application electronic document, the multi-family remodeling corresponding to the apartment housing remodeling business funds assistance personal loan product subscription application Although the business fund support personal loan product subscription application electronic document is illustrated and described as being generated on the server side on the multi-family housing remodeling business fund support personal loan product account opening system, the present invention is not limited thereto. The electronic document for applying for remodeling business loan support personal loan product subscription may be generated at a terminal that has acquired image content corresponding to the application for joining the apartment remodeling business fund support private loan product through a predetermined image acquisition device (eg, the On the server side Document creation function to create a cavity housing remodeling funding personal loan subscription to the electronic document provided in the terminal side), and to which the present invention is not limited.

Hereinafter, the application for joining the apartment remodeling business fund support personal loan product created by the customer (member) through the interface of opening a predetermined financial account on the system for opening the apartment remodeling business fund support personal loan product account shown in FIG. 16. In response to the application information for remodeling business loan support personal loan product subscription, the customer (members) open the apartment remodeling business fund support personal loan product account, and the corresponding multi-unit housing remodeling business fund support personal loan product subscription A component corresponding to at least one or more means and / or functional configurations for generating an application electronic document and storing it in a predetermined electronic document repository is referred to as a "financial company server 1600" for convenience.

Referring to FIG. 16 according to an embodiment of the present invention, a system for remodeling business housing for a multi-unit housing remodeling business fund for processing the migration fee and the expected withdrawal amount as a personal loan support amount includes at least one financial institution branch (or And a terminal device 1695 including a counter terminal provided at a sales office), wherein the terminal device 1695 is a system for opening an account for refinancing of the multi-family housing remodeling project through a predetermined financial network. A communication channel is connected to a financial institution server 1600 provided on the screen.

According to an exemplary embodiment of the present invention, the customer (member) visits the financial institution branch (branch branch) to process the migration fee and expected withdrawal amount as a personal loan support amount, and is provided at the financial institution branch branch (branch branch). Application for a certain apartment housing remodeling business fund support personal loan product for processing the relocation fee and expected withdrawal as a personal loan support amount through a window (or through a clerk) A document with a form for filling in at least one information item for processing), wherein the customer (member) is required to provide a legal basis for the application for joining the apartment remodeling It is desirable to seal the seal of the customer (member).

Subsequently, when the customer (member) submits the completed application for remodeling business loan assistance personal loan product to the counter employee, the counter employee subscribes to the apartment remodeling business money assistance personal loan product through a predetermined image acquisition device. Scan the application to obtain a predetermined image content, and through the predetermined window terminal image content obtained in response to the application for the application for the private housing remodeling business apartment remodeling application and the application for private loan product subscription application for the apartment remodeling business fund Enter (or select) application information for joining a private apartment remodeling business fund that includes at least one customer (member) information, migration cost information, expected withdrawal information, and mortgage application information. The counter terminal is responsible for the image content To send the modeling project funded personal loan product subscription information to the bank server 1600 is provided on the public housing renovation project funded personal loan account opening system through the banking network is desirable.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 1600 connected to the window terminal is a server provided on the predetermined financial system (Eg, a ledger server, etc.), and the financial network connecting the teller terminal and the financial institution server 1600 includes a branch network connecting the communication channel between the teller terminal and the financial institution server 1600. It is preferable to make it.

In the system for opening a multi-unit housing remodeling business fund support personal loan product account as described above, an image acquisition device for acquiring image contents corresponding to the application for joining a multi-family house remodeling business fund support personal loan product created by the customer (member); The window terminal used by the employee, and the financial network connecting the window terminal and the financial company server 1600, the apartment (model) remodeling business funds support individuals for the customer (members) to process the migration costs and expected withdrawal as a personal loan support amount Functions as a financial account opening interface for registering loan product subscription application information.

The storage medium 1690 provided on the multi-unit housing remodeling business fund support personal loan product account opening system according to the present invention is applied to the multi-unit housing remodeling business fund support personal loan product subscription application information provided from the terminal device 1695. Characterized in that it stores the membership information, such as apartment housing remodeling business funds support personal loans including at least one of the customer (member) information, loan approval amount information, collateral setting information included.

The relocation fee information is provided to the customer (union) who applied to join the apartment remodeling business fund support personal loan product, and the amount to be loaned to move to another place during the remodeling period of the apartment house owned by the customer (union). It is preferable to mean the amount of money information, and when the remodeling of the apartment is completed, it is preferable to immediately repay the amount of money generated by the customer (members) moving back to where the remodeling is completed, the intention and purpose of those skilled in the art It may be changed according to.

The expected withdrawal information includes an amount borrowed as collateral prior to the remodeling of the apartment house owned by the customer (member) for the customer (member) who applied to join the apartment housing remodeling business fund support personal loan product. It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The mortgage request information is for the customer (union member) who applied to join the apartment remodeling business fund support personal loan product, the completion date information, area information, unit price information, number of households for the apartment house owned by the customer (union member) It is preferable to include at least one information, it may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information of the customer (member), such as the name of the customer (member), social security number, address, telephone number, mobile phone number, e-mail address, etc., and member information of the customer (member) ( For example, in response to the customer (member) by joining the customer (member) as a financial transaction customer (member) of the financial institution, the financial system associated with the apartment remodeling business fund support personal loan product account opening system. It is preferable to include at least one member ID information, or CIF (Customer Information File) number and the like provided in the customer (member union) ledger provided in the.

The loan approval amount information is for the customer (union) who applied to join the apartment housing remodeling business fund support personal loan product, the migration cost information and expected withdrawal information included in the apartment housing remodeling business fund support personal loan product subscription application information. It is preferable to include the amount of information calculated in connection with the mortgage maintenance rate, and may be changed according to the intention and purpose of those skilled in the art.

The mortgage setting information is for the customer (member) who applied to join the apartment remodeling business fund support personal loan product, and the collateral included in the apartment house remodeling business fund support personal loan product subscription application information provided by the customer (member). Corresponding to the application information, it is preferable that the security is set in association with a predetermined registry system, and the information on the security setting is included, and may be changed according to the intention and purpose of those skilled in the art.

According to an exemplary embodiment of the present invention, the storage medium 1690 is provided on the system for remodeling business fund-supported personal loan product opening system (or linked with the system for remodeling business fund-supporting personal loan product opening system for apartment house remodeling business). The storage medium 1690 is a ledger D / B provided to the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1690 may be provided on (or linked to) an internet banking system, and / or a telebanking system provided on the system for opening an apartment remodeling business fund support personal loan product. And / or a DBMS on at least one of the wireless banking system, and / or the TV banking system. The present invention is not limited thereto.

Apartment financial remodeling business fund provided in accordance with the present invention, the financial institution server 1600 provided on the personal loan product account opening system is connected to the terminal device 1695 through a predetermined financial network the apartment remodeling business funds support individual A general term for the component of the system for opening a loan product, which is implemented by including at least one or more servers (or devices), and / or by at least one or more programs recorded on a recording medium provided in a predetermined server (or device). The present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device 1695 is a window terminal connected to a predetermined financial network, the financial company server 1600 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a general ledger server, and / or a server (or device) provided in the external system on the financial system, and / or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the financial institution server 1600 may include an interface unit 1605 for connecting and managing a predetermined communication channel with the terminal device 1695 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 1695 is a window terminal connected to a predetermined financial network, the interface unit 1605 may select the window terminal and the predetermined window based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction related program provided in the window terminal.

Referring to FIG. 16, when the predetermined terminal device 1695 connects a predetermined communication channel with the financial institution server 1600 through the interface unit 1605, the financial institution server 1600 may move the migration fee and the expected withdrawal. Acquires the image contents corresponding to the application for subscription to the apartment housing remodeling business fund support personal loan product created by the customer (member) through a predetermined image acquisition device provided in the terminal device 1695 to process the personal loan assistance amount. At least one user for inputting (or selecting) the multi-family remodeling business funds assistance personal loan product subscription application information corresponding to the multi-family housing remodeling business funds assistance personal loan product subscription application to be transmitted to the financial institution server 1600; Generate (or extract) an interface, and use the generated (or extract) in conjunction with the interface unit 1605 An interface providing unit 1610 providing an interface to the terminal device 1695, and the apartment house remodeling business corresponding to the application for a private loan product subscription application for the apartment house remodeling business fund through the user interface in the terminal device 1695. When inputting (or selecting) funding personal loan product subscription application information and transmitting the information, the multi-unit housing remodeling business fund support personal loan product subscription application information transmitted from the terminal device 1695 in connection with the interface unit 1605 is transmitted. The information receiving unit 1615, and the terminal device 1695 corresponding to the apartment housing remodeling business funds support personal loan product subscription application created by the customer (member) through a predetermined image acquisition device based on the user interface When the image content is obtained and transmitted, the interface unit 1605 By having an image receiver 1620 that receives the image content corresponding to the group co-housing renovation project funded personal loan application form it is characterized in that is made.

The interface providing unit 1610 connects a predetermined communication channel with the financial institution server 1600 through the interface unit 1605, and then transfers to the financial institution server 1600 with the migration cost and the expected cost. When requesting a user interface for processing the withdrawal as a personal loan support amount, the application for joining the apartment remodeling business fund support personal loan product created by the customer (member) through a predetermined image acquisition device provided in the terminal device 1695 Acquire the image contents corresponding to and input (or select) the multi-family remodeling business fund assistance personal loan product subscription application information corresponding to the multi-family remodeling business fund assistance personal loan product subscription application and enter (or select) the financial company through the financial network; Create at least one user interface to transmit to the server 1600 and / or predetermined Characterized in that the extract from a database (not shown) and provides in cooperation with the interface unit 1605, the generated user interface (or extract) to the terminal device (1695) through the financial network.

According to another exemplary embodiment of the present invention, the terminal device 1695 acquires image contents corresponding to an application for subscription to a multi-family remodeling business fund support personal loan product created by the customer (member) through a predetermined image acquisition device, At least one of inputting (or selecting) the multi-unit remodeling business fund assistance personal loan product subscription application information corresponding to the application for the application for the private loan product subscription to the apartment housing remodeling business and transmitting the information to the financial company server 1600 through the financial network. When the predetermined information registration program having the above user interface is provided, the image contents corresponding to the application for subscription of the apartment housing remodeling business fund support personal loan product created by the customer (members) through the predetermined image acquisition device as described above are provided. Acquisition and funding of the apartment remodeling business Apartment housing remodeling business fund support corresponding to the original personal loan product subscription application input (or select) the personal loan product subscription application information to generate (or extract) the user interface to send to the financial institution server 1600 (the terminal device) The interface providing unit 1610 provided to the 1695 may be omitted, and the present invention is not limited thereto.

Subsequently, the terminal device 1695 receives, through the user interface, information for applying for subscription to the apartment remodeling business fund support personal loan product including at least one or more of the customer (union) information, migration cost information, expected withdrawal information, and security application information. Inputting (or selecting) and transmitting the input (or selection) to the financial institution server 1600 through the financial network, and the information receiving unit 1615 is transmitted to the financial institution server 1600 through the financial network. ) Receives the application information for subscription to the multi-family house remodeling business fund support personal loan product transmitted from the terminal device 1695 in association with the interface unit 1605.

In addition, the terminal device 1695 obtains the image contents corresponding to the application for subscription to the apartment housing remodeling business fund support personal loan product created by the customer (member) through a predetermined image acquisition device based on the user interface, The acquired image content is transmitted to the financial institution server 1600 through the financial network. In response, the image receiving unit 1620 joins the apartment remodeling business fund support personal loan product in association with the interface unit 1605. Characterized in that the image content corresponding to the application is received.

According to another exemplary embodiment of the present invention, the terminal device 1695 acquires image contents corresponding to an application for subscription to a multi-family home remodeling business fund support personal loan product created by the customer (member) through a predetermined image acquisition device. When the terminal device 1695 is previously stored in a predetermined storage device provided in (or associated with) the terminal device 1695, the terminal device 1695 may be configured to store the customer among at least one or more image contents previously stored in the storage device through the user interface. An image content corresponding to the apartment housing remodeling business fund support personal loan product subscription application prepared by the member is selected and transmitted to the financial company server 1600 through the financial network. In response thereto, the image receiving unit 1620 receives the image content. Joining the apartment housing remodeling business fund support personal loan product in association with the interface unit 1605 To receive the image content corresponding to the emotions it is preferred.

According to another embodiment of the present invention, the terminal device (1695) through the user interface through the user interface (model) reconstruction of the apartment housing remodeling business fund support personal loan product subscription application and the image content corresponding to the application form for the apartment house remodeling project When the joint housing remodeling business funds corresponding to the funded private loan product subscription application is also transmitted, the information receiving unit 1615 is connected with the interface unit 1605 to the apartment house remodeling business. It is possible to receive the image content corresponding to the funded personal loan product subscription application and apartment housing remodeling business funded personal loan product subscription application information (eg, the image receiving unit 1620 is integrated into the information receiving unit 1615 Operation), whereby the present invention is not limited The.

Referring to FIG. 16, when the financial institution server 1600 receives the application information for applying for subscription to the multi-family housing remodeling business fund transmitted from the terminal device 1695 through the information receiver 1615, the received financial institution server 1600 receives the received information. Multi-family remodeling business fund support personal loan product subscription application information from the validity verification unit 1625 and the validity confirmation unit 1625 to check whether the migration fee and expected withdrawal to meet the validity for processing the personal loan support amount; In response to the result of the validity, the loan verification unit determines whether the loan is executed by confirming whether the validity check unit 1625 satisfies a predetermined loan condition with respect to the application information for subscription to the apartment remodeling business fund assistance. It is characterized by comprising a processing unit 1630.

According to the method of the present invention, the validity of the application information for applying for private loan product subscription for the apartment remodeling business fund is checked in the ledger D / B on the financial system linked with the system for opening the account for the apartment house remodeling business fund support personal loan product. It is preferable to include a check whether at least one or more ledger information matching the apartment remodeling business funds assistance personal loan product subscription application information is registered.

In addition, the verification of the validity of the application information subscription application information for the apartment housing remodeling business fund support is the mortgage agreement and debt confirmation D / B (345, 1045) associated with the system for opening the apartment remodeling business funds support personal loan products. It is preferable to include a) check whether the at least one mortgage agreement and debt confirmation information is matched with the apartment housing remodeling business fund support personal loan product subscription application information is registered.

For example, checking the validity of the information for applying for private loan product subscription application for the apartment remodeling business fund may include checking the customer (member) information (customer (member)) among the information included in the apartment remodeling business fund support personal loan product subscription application information. Personal information, member information, etc.) is preferably matched with a customer (member) ledger stored in the ledger D / B on the financial system associated with the apartment remodeling business fund support personal loan product account opening system Do.

In addition, the verification of the validity of the information for applying for private loan product subscription application for rehabilitation of the multi-family housing remodeling business is, among the information included in the application for subscribing to the private loan product subscription information for the multi-family housing remodeling business, the application information for the mortgage remodeling business fund And confirming whether the security agreement and the security confirmation agreement on the debt confirmation information registration system associated with the support personal loan product account opening system match the information on the security agreement agreement stored in the debt confirmation D / B (345, 1045). It is preferable.

The loan screening unit 1630 corresponds to the validity result confirmed by the validity confirming unit 1625, the predetermined amount of loans for the subscription information application information for the apartment remodeling business fund support personal loan product in the validity confirming unit 1625 It is characterized by determining whether the loan is carried out by checking whether the conditions are satisfied.

According to the implementation method of the present invention, the loan screening processing unit 1630, in response to the validity result confirmed by the validity confirming unit 1625, the validity confirming unit 1625, the apartment remodeling business funds support personal loan product It is preferable to determine whether to perform a loan by checking whether the subscription information is satisfied with the loan condition.

Here, the loan condition is whether the amount of asset price increase after the remodeling of the remodeling business funded sub-units is equal to a predetermined amount, and whether the total loan support amount is in accordance with the LTV. It is preferable to check whether at least one or more of the number of the remodeling project funding target apartments conform to a predetermined number, and may be changed according to the intention and purpose of those skilled in the art.

Those of ordinary skill in the art to which the present invention pertains will be familiar with the technical features of the loan conditions, so the detailed description is omitted for convenience.

Referring to FIG. 16, the financial institution server 1600 receives the image content transmitted from the terminal device 1695 through the image receiving unit 1620, and remodels the apartment house through the validity checking unit 1625. When the validity of the business fund support personal loan product subscription application information is authenticated, an electronic document generation unit 1635 for generating a predetermined apartment housing remodeling business fund support personal loan product subscription application electronic document including the received image content; And an electronic document transmission unit 1640 which transmits the generated electronic housing remodeling business fund assistance personal loan product subscription application electronic document to an electronic document repository associated with the public housing remodeling business fund assistance personal loan product opening system. Characterized in that made.

The electronic document generation unit 1635 generates the electronic housing remodeling business funds support personal loan product subscription application electronic document including the image content received from the terminal device 1695 through the image receiving unit 1620. It is done.

According to an embodiment of the present invention, the electronic document generation unit 1635 transfers the migration fee and the expected withdrawal of the image file including the image content received from the terminal device 1695 through the image receiving unit 1620. It is preferable to process the apartment remodeling business fund support personal loan product subscription application electronic document for processing the personal loan assistance amount.

Alternatively, the electronic document generation unit 1635 may support the apartment housing remodeling business funds received through the information receiving unit 1615 on the image content received from the terminal device 1695 through the image receiving unit 1620. An image file corresponding to the image content including at least one of customer (member) information, migration cost information, expected withdrawal information, and security application information included in the product subscription application information by watermarking method may be used. It is preferable to generate an electronic document for applying for a private house loan remodeling business fund remodeling business to process the expected withdrawal as a personal loan support amount.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1635 includes a predetermined document file (eg, PDF) including the image content received from the terminal device 1695 through the image receiving unit 1620. (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one of HWP / DOC, or web document files including MHT) It is preferable to generate an electronic document for applying for a private housing product remodeling project fund for the remodeling of the apartment for processing the loan amount as a personal loan support amount.

Alternatively, the electronic document generation unit 1635 may support the apartment housing remodeling business funds received through the information receiving unit 1615 on the image content received from the terminal device 1695 through the image receiving unit 1620. Create image contents including at least one of customer (member) information included in the product subscription application information, migration cost information, expected withdrawal information, and security application information by watermarking, and the generated image contents A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By regenerating the housing cost of the apartment remodeling business for processing the migration costs and expected withdrawals as the amount of personal loan support Ex products Up is desirable to generate electronic application documents.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1635 receives the image content and the information receiving unit 1615 received from the terminal device 1695 through the image receiving unit 1620. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) that includes information on the application for subscription to a multi-unit housing remodeling business fund. Generating a word processing file, or a web document file including an MHT), to generate an electronic document for applying for an apartment loan remodeling business fund support personal loan product for processing the migration fee and the expected withdrawal amount as a personal loan support amount. desirable.

Alternatively, the electronic document generation unit 1635 may support the apartment housing remodeling business funds received through the information receiving unit 1615 on the image content received from the terminal device 1695 through the image receiving unit 1620. Generate image content including at least one of customer (member) information, migration cost information, expected withdrawal information, and collateral application information included in the product subscription application information by a watermarking method, and the generated image content And at least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) including the application information for subscribing to the apartment remodeling business fund support personal loan product. Create a word processing file, or a web document file containing MHT) It is desirable to generate an electronic document for applying for a private house loan remodeling business fund remodeling business for processing as a loan support amount.

If the person skilled in the art to which the present invention belongs, the electronic document generation unit 1635 is a multi-family housing remodeling business funds support personal loan product subscription application electronic document of the image file format and / or a predetermined document file format You will be familiar with the technical features to create and the technical features of the file format for the image file and / or document file corresponding to the electronic housing remodeling business funds assistance personal loan product subscription application electronic document, detailed description thereof Omit for convenience.

The electronic document transmission unit 1640 is a system for opening an apartment housing remodeling business fund support personal loan product account created by the electronic document generator 1635 and applying for the electronic document remodeling business fund support personal loan product subscription system. It is characterized in that the transmission to the predetermined electronic document storage to store.

As shown in FIG. 16, the electronic document repository includes a predetermined electronic document server 1665 connected to a financial institution server 1600 on a system for opening a multi-family house remodeling business fund support personal loan product account through a predetermined communication means. When provided externally including an electronic document D / B 1685, the electronic document transmission unit 1640 is an application for subscription to the multi-family housing remodeling business fund support personal loan product generated by the electronic document generation unit 1635. The electronic document is transmitted to the electronic document server 1665 through the communication means.

Here, when the electronic document server 1665 and the electronic document D / B 1685 are provided outside of the system for remodeling business fund-supported personal loan product opening system, the electronic document server 1665 and the electronic document are provided. Document D / B 1685 is preferably maintained by an accredited agency.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the system for opening a multi-family house remodeling business fund support personal loan product, the electronic document transmitting unit 1640 is the electronic document generating unit. The electronic document D / D corresponding to the electronic document storage on the DBMS provided in the multi-unit housing remodeling business fund assistance personal loan product account opening system generated by the unit (1635). It is possible to store in the B (1685), whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, the electronic document transmission unit 1640 may use the electronic document related information (for example, a multi-family housing corresponding to the image content) to generate predetermined electronic document management information in the electronic document server 1665. Customer (membership) information for completing the remodeling business loan assistance personal loan product subscription application, and / or financial institution information for transmitting the electronic housing remodeling business loan assistance personal loan product subscription application information, and / or electronic document file format information, And / or the apartment housing remodeling business funds support personal loan product subscription application information, etc.), which may be transmitted to the electronic document repository, whereby the present invention is not limited thereto.

Referring to FIG. 16, the financial institution server 1600 may request for the remodeling business fund assistance personal loan product subscription application information received through the information receiving unit 1615 through the validity checking unit 1625 through the validity checking unit 1625. If the validity for processing the personal loan assistance amount is certified, the customer (member) information, migration fee information, expected withdrawal information, collateral application included in the apartment housing remodeling business funds support personal loan product subscription application information is validated An information generation unit 1645 for generating the financial account information based on the information; an account establishment unit 1650 for opening and processing a financial account of the customer (member) including the financial account information; and providing the collateral In accordance with the agreement and debt confirmation D / B (345, 1045) to confirm the collateral provision agreement and debt confirmation information for the customer (member), the financial account information is It is characterized in that it comprises a near-mortgage right setting unit (1655) for setting the base mortgage according to the loan execution in connection with the registry system before opening and opening the financial account of the customer (member).

When the validity check unit 1625 confirms the validity of the application information for applying for the private house remodeling business remodeling business apartment, the information generating unit 1645 subscribes to the information for applying for the private house remodeling business fund for remodeling business remodeling business. The financial account information is generated based on customer (membership) information, migration cost information, expected withdrawal information, and collateral application information included in the information.

Herein, the financial account information may include an account number and an interest rate information corresponding to the multi-family remodeling business fund support personal loan product account opened based on the multi-family remodeling business fund support personal loan product subscription application information. In addition, when the multi-family housing remodeling business fund support personal loan product account includes the savings attribute, it is preferable that the predetermined housing period, payment date and time and payment amount information is further included.

The account opening unit 1650 generates a customer ledger including customer (member) information included in the application for opening a financial account in association with the financial system (or is matched with the customer (member)) information. Check the customer ledgers provided in advance, and generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined ledger linked to the customer ledger. By doing so, a predetermined financial account for processing the migration fee and the expected withdrawal as a personal loan support amount is opened in response to the application information for applying for private loan product subscription for the apartment remodeling business.

According to an embodiment of the present invention, when the financial company server 1600 and the financial system exist in the same system, the account opening unit 1650 includes financial account information in the ledger D / B in association with the financial system. It is desirable to create a predetermined account ledger.

According to another exemplary embodiment of the present invention, when the financial institution server 1600 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 1650 may use the predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

The base mortgage setting unit 1655 confirms collateral provision agreement and debt confirmation information for the customer (member) in connection with the collateral provision agreement and debt confirmation D / B (345, 1045), and the financial account information is generated. And before opening the financial account in the name of the customer (union) is characterized in that it establishes a base mortgage in accordance with the loan enforcement in connection with the registry system.

According to the implementation method of the present invention, the base mortgage setting unit 1655 confirms the collateral provision agreement and the debt confirmation information for the customer (member) in connection with the collateral provision agreement and debt confirmation D / B (345, 1045) Thus, it is preferable to establish a base mortgage in accordance with the loan execution in connection with the registry system before the financial account information is generated and the financial account of the customer (member) is opened.

Referring to FIG. 16, the financial institution server 1600 may request for the remodeling business fund assistance personal loan product subscription application information received through the information receiving unit 1615 through the validity checking unit 1625 through the validity checking unit 1625. When the validity for processing the personal loan support amount is authenticated, the customer (member) information, loan approval amount information, and security setting information included in the apartment housing remodeling business fund support personal loan product subscription application information, which is certified as valid, An information storage unit 1660 configured to store at least one apartment housing remodeling business fund support personal loan product subscription information including at least one storage medium 1690 may be provided.

When the validity of the apartment remodeling business fund support private loan product subscription application information is confirmed by the validity confirming unit 1625, the information storage unit 1660 requests to subscribe to the apartment house remodeling business fund support private loan product subscription. Characterized in that the storage medium (1690) is stored in the storage unit (1690) remodeling business funds support personal loan product subscription information including at least one of the customer (member) information, loan approval amount information, collateral setting information included in the information; .

According to an exemplary embodiment of the present invention, when the storage medium 1690 is provided in the financial institution server 1600 or on the network associated with the financial institution server 1600, the information storage unit 1660 may be configured to include the storage medium 1690. Multi-unit housing remodeling business fund support personal loan product subscription information including at least one or more of the customer (member) information, loan approval amount information, collateral setting information included in the application information subscription application information received The storage medium 1690 is preferably stored.

According to another embodiment of the present invention, when the storage medium 1690 is provided in the DBMS provided on the financial system, the information storage unit 1660 is applied for subscription to the received housing remodeling business funds support personal loan product subscription Apartment housing remodeling business fund support personal loan product subscription information including at least one of the customer (member) information, loan approval amount information, collateral setting information included in the information to provide information to the information system through the external system on the financial system It is desirable to store in a DBMS provided on the system.

Referring to FIG. 16, a predetermined multi-family home remodeling business fund support personal loan product subscription application electronic document is provided from the financial institution server 1600 provided on the multi-family home remodeling business fund support personal loan product opening system. The electronic document server 1665, which stores and manages the electronic document D / B 1685, receives a predetermined apartment remodeling business fund support personal loan product subscription application electronic document from the financial institution server 1600 through a predetermined communication means. Generates electronic document management information for storing and managing the electronic document receiving unit 1670 and the electronic document D / B 1685 to receive and manage the received electronic housing remodeling business fund assistance personal loan product subscription application electronic document. The information generation unit 1675 and the electronic document management information and the apartment housing remodeling business fund support personal loan product subscription application electronic text To the association process provided by the e-document storage unit (1680) for storing a predetermined electronic document D / B (1685) it is characterized in that formed.

The electronic document receiving unit 1670 may receive an electronic document subscription application electronic loan subscription application document in the form of an image file and / or a document file from the financial institution server 1600 through the communication means.

According to the exemplary embodiment of the present invention, the electronic document receiving unit 1670 receives the electronic housing through the communication means, the remodeling business fund support personal loan product subscription application electronic document the financial company server 1600 the terminal device (1695) It is preferable that the image file including the image content received from the) as it is included.

Alternatively, the electronic document receiving unit 1670 receives the electronic housing through the communication means remodeling business funds support personal loan product subscription application electronic document received from the financial device server 1600 from the terminal device (1695) Image content including at least one or more of the information (customer information), migration costs information, expected withdrawal information, collateral application information included in the application information for applying for private loan product subscription to the apartment remodeling business in a watermarking method It is preferable to include an image file corresponding to.

According to another embodiment of the present invention, the electronic document receiving unit 1670 through the communication means for the remodeling business funds support private loan product subscription application electronic document, the financial company server 1600 is the terminal device ( A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one document file including image content received from 1695, or Web document file including MHT).

Alternatively, the electronic document receiving unit 1670 receives the electronic housing through the communication means, the apartment housing remodeling business fund support personal loan product subscription application electronic document image content received by the financial company 1600 from the terminal device (1695) Image content including at least one or more of the information (customer information), migration costs information, expected withdrawal information, collateral application information included in the application information for applying for private loan product subscription to the apartment remodeling business in a watermarking method A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

According to another embodiment of the present invention, the electronic document receiving unit 1670 through the communication means remodeling business funds support private loan product subscription application electronic documents received by the financial company server 1600 the terminal device A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or the like) containing the image content received from the 1695 and the apartment house remodeling business fund assistance personal loan product subscription information; And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

Alternatively, the electronic document receiving unit 1670 receives the electronic housing through the communication means, the apartment housing remodeling business fund support personal loan product subscription application electronic document image content received by the financial company 1600 from the terminal device (1695) Image content including at least one or more of the information (customer information), migration costs information, expected withdrawal information, collateral application information included in the application information for applying for private loan product subscription to the apartment remodeling business in a watermarking method And at least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) including the application information for subscribing to the apartment remodeling business fund support personal loan product. Including a word processor file or a web document file including the MHT) Is recommended.

The information generating unit 1675 is a predetermined electronic document unique number (or unique information) to be assigned to the electronic housing remodeling business funds support private loan product subscription application electronic document received through the electronic document receiving unit 1670, and the electronic Through the document receiving unit 1670, the date and time (or the date and time when the electronic housing remodeling business funds assistance personal loan product subscription application electronic document was received) And generating electronic document management information including electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the information generation unit 1675 transmits the electronic housing document remodeling business fund support personal loan product subscription application electronic document received through the electronic document receiving unit 1670 to the financial company server 1600. It is preferable to check a financial institution that has transmitted the electronic housing remodeling business funds assistance personal loan product subscription application electronic document with reference to, and generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 1670 further receives a predetermined electronic document related information from the financial institution server 1600, the information generating unit 1675 is the received electronics Send document-related information (e.g., customer (membership) who has completed the application for joining the apartment remodeling business fund support personal loan product corresponding to the image content) and / or the electronic document for applying for the apartment remodeling business fund support personal loan product subscription It is preferable to generate the electronic document management information further comprises the financial institution information, and / or electronic document file format information, and / or the apartment housing remodeling business funds support personal loan product subscription information, etc.).

The electronic document storage unit 1680 stores electronic housing management information generated through the electronic housing unit remodeling business fund support personal loan product subscription application received through the electronic document receiving unit 1670 and the information generating unit 1175. It is characterized by storing in a predetermined electronic document D / B (1685).

According to the exemplary embodiment of the present invention, the electronic document storage unit 1680 stores the electronic housing in the electronic document D / B 1685, remodeling business funds support personal loan product subscription application electronic document is the financial company server 1600 Preferably includes an image file including the image content received from the terminal device 1695 as it is.

Alternatively, the electronic company storage unit 1680 stores the electronic housing D / B 1685 in the apartment remodeling business fund support personal loan product subscription application electronic document of the financial company server 1600 of the terminal device 1695. Watermarking at least one or more of customer (member) information, migration fee information, expected withdrawal information, and collateral application information included in the multi-family remodeling business fund support personal loan product subscription application information received from the It is preferable to include an image file corresponding to the image content to include in a manner.

According to another exemplary embodiment of the present invention, the electronic document storage unit 1680 stores the electronic housing D remodeling business funds support personal loan product subscription application stored in the electronic document D / B (1685) the financial company server 1600 ) Includes at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the image content received from the terminal device 1695. A word processor file, or a web document file including MHT).

Alternatively, the electronic company storage unit 1680 stores the electronic housing D / B 1685 in the apartment remodeling business fund support personal loan product subscription application electronic document of the financial company server 1600 of the terminal device 1695. Watermarking method of at least one of the information (customer) information, migration fee information, expected withdrawal information, collateral application information included in the apartment housing remodeling business fund support personal loan product subscription information information received from the A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including image content including a file, or an MHT. Web document files, etc.) to be included.

According to another exemplary embodiment of the present invention, the electronic document storage unit 1680 stores the electronic housing in the electronic document D / B 1685, the apartment housing remodeling business fund assistance personal loan product subscription application electronic document is the financial company server ( A predetermined document file (for example, a Portable Document Format (PDF) file or EDI (Electronic) that includes image content received from the terminal device 1695 and the apartment remodeling business fund assistance personal loan product subscription information). Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the electronic company storage unit 1680 stores the electronic housing D / B 1685 in the apartment remodeling business fund support personal loan product subscription application electronic document of the financial company server 1600 of the terminal device 1695. Watermarking method of at least one of the information (customer) information, migration fee information, expected withdrawal information, collateral application information included in the apartment housing remodeling business fund support personal loan product subscription information information received from the A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) including image content included in the document and information for applying for subscription to the apartment remodeling business funds And a word processor file including at least one of the above, or a web document file including the MHT). desirable.

According to an embodiment of the present invention, the electronic document storage unit 1680 manages the electronic document stored in the electronic document D / B (1685) in connection with the electronic document storage application model loan application subscription application electronic document stored in the electronic document D / B (1685) The information may include a predetermined electronic document unique number (or unique information) assigned to the electronic document for applying for the private loan product subscription application for the multi-family house remodeling and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document storage unit 1680 stores the electronic document D / B 1685 in association with the electronic document remodeling business fund support personal loan product subscription application electronic document. The management information is financed by transmitting the electronic housing remodeling business funds assistance personal loan product subscription application electronic document confirmed with reference to the financial institution server 1600 which sent the electronic housing remodeling business funds assistance personal loan product subscription application electronic document. It is preferable that the information is further included.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the financial company server 1600, the electronic document storage unit 1680 requests to subscribe to the apartment housing remodeling business fund support personal loan product. Electronic document management information stored in the electronic document D / B 1685 in association with an electronic document is stored in the electronic document related information (for example, a multi-unit housing remodeling business fund support personal loan product subscription corresponding to the image content). Customer (membership) information that completed the application, and / or financial institution information for transmitting the electronic housing remodeling business funding application for personal loan product subscription, and / or electronic document file format information, and / or the apartment housing remodeling business Funding personal loan product subscription information, etc.) is preferably included.

Figure 17 is a storage medium (1690) for storing the multi-unit housing remodeling business funds assistance personal loan product subscription information corresponding to the multi-unit housing remodeling business funds support personal loan product account opened in a face-to-face manner according to an embodiment of the present invention A diagram showing an implementation method included in a DBMS on a system.

In more detail, in FIG. 17, when the storage medium 1690 illustrated in FIG. 16 is the ledger D / B 1700 provided in the DBMS on the financial system, or the ledger D / B 1700 is provided, As the information structure for an implementation method of storing the multi-unit remodeling business fund support personal loan product subscription information in the ledger information provided in the ledger D / B 1700, the general knowledge in the technical field to which the present invention belongs. If you have a person, it will be able to infer a variety of information configuration method for storing the subscription information of the apartment remodeling business fund support personal loan product in the ledger D / B (1700) by referring to and / or modified in this figure 17, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 17 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1700 provided in a DBMS on a financial system includes a predetermined customer (member) ledger, the customer (member) ledger and The account ledger corresponding to the financial account opened through the multi-unit housing remodeling business fund support personal loan product opening system shown in FIG. 16 and at least one information associated with the account ledger are shown. If one of ordinary skill in the art belongs to the ledger D / B (1700) provided in the DBMS on the financial system, at least one ledger other than the customer (member union) ledger and account ledger shown in this figure 17 (Eg, a ledger, loan ledger, security ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers. A will appreciated Obviously, also for this group because it will be familiar to the specific technical aspects, a detailed description thereof will be omitted for convenience.

The head of the customer (member), CIF (Customer Information File) number, country code, contact person ID, branch number, customer (member) member classification, customer (member) member name, customer (member) member address, region identification code, telephone number, business place No., Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW , DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The director of the customer (member) includes ledger information for the customer (member) including at least one of individual customers (members), corporate customers (members), minors and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer (member) ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is associated with the customer (member union) ledger relationally, and as a ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate , Password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction It includes at least one of the number, interest accounting system, whether or not the balance is linked, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation. At least one of: periodic reception information including at least one of a period (days), a period extension, an expiration date, and a target amount; and / or an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information including one or more, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, It includes transaction history information including at least one of a date of origin, a bank account line, a brief summary, and a CIF.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 17, wherein the storage medium 1690 is the ledger D / B 1700, or includes an implementation method provided in the ledger D / B 1700, according to an embodiment of the present invention, The customer (member) information and loan approval amount information and collateral setting included in the application for subscription to the apartment remodeling business fund provided through the apartment remodeling business fund support personal loan product opening system shown in FIG. 16. The multi-unit housing remodeling business fund support personal loan product subscription information including at least one information may be stored in the form of additional information added to the account ledger.

The relocation fee information is provided to the customer (union) who applied to join the apartment remodeling business fund support personal loan product, and the amount to be loaned to move to another place during the remodeling period of the apartment house owned by the customer (union). It is preferable to mean the amount of money information, and when the remodeling of the apartment is completed, it is preferable to immediately repay the amount of money generated by the customer (members) moving back to where the remodeling is completed, the intention and purpose of those skilled in the art It may be changed according to.

The expected withdrawal information includes an amount borrowed as collateral prior to the remodeling of the apartment house owned by the customer (member) for the customer (member) who applied to join the apartment housing remodeling business fund support personal loan product. It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The mortgage request information is for the customer (union member) who applied to join the apartment remodeling business fund support personal loan product, the completion date information, area information, unit price information, number of households for the apartment house owned by the customer (union member) It is preferable to include at least one information, it may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information of the customer (member), such as the name of the customer (member), social security number, address, telephone number, mobile phone number, e-mail address, etc., and member information of the customer (member) ( For example, in response to the customer (member) by joining the customer (member) as a financial transaction customer (member) of the financial institution, the financial system associated with the apartment remodeling business fund support personal loan product account opening system. It is preferable to include at least one member ID information, or CIF (Customer Information File) number and the like provided in the customer (member union) ledger provided in the.

The loan approval amount information is for the customer (members) who applied to join the apartment remodeling business fund support personal loan product, the migration cost information, expected withdrawal information included in the apartment remodeling business fund support personal loan product subscription application information It is preferable to include the amount of information calculated in connection with the security ratio, and may be changed according to the intention and purpose of those skilled in the art.

The mortgage setting information is for the customer (member) who applied to join the apartment remodeling business fund support personal loan product, and the collateral included in the apartment house remodeling business fund support personal loan product subscription application information provided by the customer (member). Corresponding to the application information, it is preferable that the security is set in association with a predetermined registry system, and the information on the security setting is included, and may be changed according to the intention and purpose of those skilled in the art.

According to another exemplary embodiment of the present invention, the apartment house remodeling business fund support personal loan product subscription application information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger. (Eg, additional information added to the customer (member) ledger), and / or in the form of a separate independent ledger in addition to the account ledger can be all, and the present invention is not limited thereby.

18 is a storage medium 1805 for storing multi-unit remodeling business fund assistance personal loan product subscription information corresponding to a multi-family remodeling business fund assistance personal loan product account opened in a face-to-face manner according to another embodiment of the present invention. A diagram showing an implementation method including a database linked to the ledger D / B 1800 provided in the DBMS on the financial system.

In more detail, FIG. 18 shows an information structure for an embodiment in which the storage medium 1690 shown in FIG. 16 includes a predetermined database linked to the ledger D / B 1800 included in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 18 to provide a predetermined database with information on joining the apartment remodeling business fund assistance personal loan product in the predetermined database. It is possible to infer a variety of information configuration method to be stored in conjunction with / B (1800), the present invention includes all the inferred implementation method, it is not limited to the implementation method shown in FIG.

In particular, FIG. 18 is a case where it is not easy to store the subscription information of the apartment remodeling business fund support personal loan product in the ledger information of the ledger D / B 1800 on the DBMS provided on the financial system (eg, financial In the policy of the institution, it is not easy to change the ledger D / B 1800 of the DBMS, or the system expansion is not easy due to the nature of the financial system). Apartment house remodeling business fund support personal loan product subscription information is stored, and the database and the ledger D / B (1800) is shown an embodiment of the implementation method for storing the linkage processing.

In addition, the database shown in FIG. 18 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 18, the storage medium 1805 includes a database associated with the ledger D / B 1800 provided in a DBMS on a financial system. Remodeling business fund support Personal loan product subscription information included in the application information (Loan member), loan approval amount information, security setting information included in the application information for personal homes remodeling business fund support personal loan product subscription information is stored. The CDU number corresponding to the ledger information in the MDU remodeling business fund support personal loan product subscription information to be processed in connection with the ledger D / B (1800). It is preferred to further comprise a.

The relocation fee information is provided to the customer (union) who applied to join the apartment remodeling business fund support personal loan product, and the amount to be loaned to move to another place during the remodeling period of the apartment house owned by the customer (union). It is preferable to mean the amount of money information, and when the remodeling of the apartment is completed, it is preferable to immediately repay the amount of money generated by the customer (members) moving back to where the remodeling is completed, the intention and purpose of those skilled in the art It may be changed according to.

The expected withdrawal information includes an amount borrowed as collateral prior to the remodeling of the apartment house owned by the customer (member) for the customer (member) who applied to join the apartment housing remodeling business fund support personal loan product. It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The mortgage request information is for the customer (union member) who applied to join the apartment remodeling business fund support personal loan product, the completion date information, area information, unit price information, number of households for the apartment house owned by the customer (union member) It is preferable to include at least one information, it may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information of the customer (member), such as the name of the customer (member), social security number, address, telephone number, mobile phone number, e-mail address, etc., and member information of the customer (member) ( For example, in response to the customer (member) by joining the customer (member) as a financial transaction customer (member) of the financial institution, the financial system associated with the apartment remodeling business fund support personal loan product account opening system. It is preferable to include at least one member ID information, or CIF (Customer Information File) number and the like provided in the customer (member union) ledger provided in the.

The loan approval amount information is for the customer (members) who applied to join the apartment remodeling business fund support personal loan product, the migration cost information, expected withdrawal information included in the apartment remodeling business fund support personal loan product subscription application information It is preferable to include the amount of information calculated in connection with the security ratio, and may be changed according to the intention and purpose of those skilled in the art.

The mortgage setting information is for the customer (member) who applied to join the apartment remodeling business fund support personal loan product, and the collateral included in the apartment house remodeling business fund support personal loan product subscription application information provided by the customer (member). Corresponding to the application information, it is preferable that the security is set in association with a predetermined registry system, and the information on the security setting is included, and may be changed according to the intention and purpose of those skilled in the art.

19 is a storage medium 1805 for storing multi-unit housing remodeling business funds assistance personal loan product subscription information corresponding to a multi-family house remodeling business funds assistance personal loan product account opened in a face-to-face manner according to another embodiment of the present invention. Is a diagram illustrating an implementation method including a DBMS provided in a banking server.

In more detail, FIG. 19 shows that the storage medium 1690 shown in FIG. 16 includes predetermined banking provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. The present invention relates to a method provided in a DBMS provided in a server. Those skilled in the art to which the present invention pertains are provided with at least one banking server by referring to and / or modifying the drawing 19. Although it may be possible to infer a method of constructing information on the apartment housing remodeling business fund support personal loan product subscription information stored in a predetermined DBMS, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. 19. It is not limited to only.

According to another embodiment of the present invention, the storage medium 1805 includes a DBMS provided in a banking server. Referring to FIG. 19, a predetermined DBMS provided in the banking server may include the fund for the remodeling of the apartment house. Characterized in that the information stored in the apartment housing remodeling business funds support personal loan product subscription information including at least one of the customer (member) information, loan approval amount information, collateral setting information included in the support personal loan product subscription application information.

The relocation fee information is provided to the customer (union) who applied to join the apartment remodeling business fund support personal loan product, and the amount to be loaned to move to another place during the remodeling period of the apartment house owned by the customer (union). It is preferable to mean the amount of money information, and when the remodeling of the apartment is completed, it is preferable that the customer (union member) immediately repays the money generated by relocating to the place where the remodeling is completed, It may be changed depending on the purpose.

The expected withdrawal information includes an amount borrowed as collateral prior to the remodeling of the apartment house owned by the customer (member) for the customer (member) who applied to join the apartment housing remodeling business fund support personal loan product. It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The mortgage request information is for the customer (union member) who applied to join the apartment remodeling business fund support personal loan product, the completion date information, area information, unit price information, number of households for the apartment house owned by the customer (union member) It is preferable to include at least one information, it may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information of the customer (member), such as the name of the customer (member), social security number, address, telephone number, mobile phone number, e-mail address, etc., and member information of the customer (member) ( For example, in response to the customer (member) by joining the customer (member) as a financial transaction customer (member) of the financial institution, the financial system associated with the apartment remodeling business fund support personal loan product account opening system. It is preferable to include at least one member ID information, or CIF (Customer Information File) number and the like provided in the customer (member union) ledger provided in the.

The loan approval amount information is for the customer (members) who applied to join the apartment remodeling business fund support personal loan product, the migration cost information, expected withdrawal information included in the apartment remodeling business fund support personal loan product subscription application information It is preferable to include the amount of information calculated in connection with the security ratio, and may be changed according to the intention and purpose of those skilled in the art.

The mortgage setting information is for the customer (member) who applied to join the apartment remodeling business fund support personal loan product, and the collateral included in the apartment house remodeling business fund support personal loan product subscription application information provided by the customer (member). Corresponding to the application information, it is preferable that the security is set in association with a predetermined registry system, and the information on the security setting is included, and may be changed according to the intention and purpose of those skilled in the art.

20A and 20B illustrate a process of opening a multi-family remodeling business fund support personal loan product account for processing a migration fee and an expected withdrawal amount as a personal loan support amount in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 20A and 20B are window terminals provided with a terminal device 1695 on a system for opening a multi-unit housing remodeling business fund support personal loan product account shown in FIG. 16 at a financial institution branch (or a branch). When the financial institution server 1600 has a ledger server (not shown) function in the financial system linked to the counter terminal through a predetermined financial network, a predetermined customer (member) provides the personal loan support amount with the migration fee and expected withdrawal amount. Apartment housing remodeling business funds support for processing the housing remodeling business funds support personal loan products including at least one customer (members) information, migration costs information, expected withdrawal information, mortgage application information to open a personal loan product account Fill out an application form and submit it to the financial institution to apply for the apartment remodeling business fund support personal loan product. This is a system configuration for opening and processing apartment housing remodeling business fund support personal loan product account in a face-to-face manner. Specifically, the customer (member) creates the application form for joining the apartment house remodeling business money support personal loan product. When submitting to the window, the window terminal acquires a predetermined image content corresponding to the application for joining the apartment remodeling business fund support personal loan product through a predetermined image acquisition device and transmits the predetermined image content to the financial company server 1600, and then When the apartment house remodeling business fund support personal loan product subscription application corresponding to the apartment housing remodeling business fund support personal loan product subscription application information is input (or selected) and transmitted to the financial company server 1600, the financial company server 1600 The customer (member) information, migration costs information, expected withdrawal information, It illustrates an implementation method of opening and processing the multi-family remodeling business fund support personal loan product account based on the information on the application for subscription to the multi-family home remodeling business fund including at least one information on collateral application.

Those skilled in the art to which the present invention pertains refer to and / or modify the drawings 20a and 20b, and join the apartment remodeling business fund support personal loan product to the financial company server 1600 at the window terminal. Various implementation methods for registering the application information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 20A and 20B.

For example, the implementation method illustrated in FIGS. 20A and 20B includes a process of generating a predetermined electronic document corresponding to the application for joining an apartment remodeling business fund support personal loan product and storing the electronic document in an electronic document repository. The procedure may be omitted according to the intention of the skilled person, and the present invention is not limited thereto.

In addition, in the method illustrated in FIGS. 20A and 20B including the electronic document generation and storage process, the counter terminal corresponds to the application for subscribing to the apartment remodeling business fund support personal loan product through a predetermined image acquisition device. The financial company server may include a user interface for acquiring predetermined image content and for inputting (or selecting) the apartment remodeling business fund assistance personal loan product subscription application information corresponding to the apartment remodeling business fund assistance personal loan product subscription application. Although illustrated as being provided from 1600, when a predetermined information registration program is provided in the window terminal, the user interface may not be provided from the financial institution server 1600, and thus the present invention is not limited thereto. .

20A and 20B, the window terminal shown in FIG. 16 is referred to as "terminal" for convenience, and the financial institution server 1600 shown in FIG. 16 is referred to as "server" for convenience.

Referring to FIGS. 20A and 20B, a predetermined customer (member) includes at least one of customer (member) information, migration cost information, expected withdrawal information, and collateral application information for processing the migration fee and expected withdrawal as a personal loan assistance amount. After completing and submitting the application form for the application for a private loan product for the remodeling of the apartment house, the window terminal shown in FIG. 16 connects to the server through a predetermined financial network and connects a predetermined communication channel. When requesting a user interface for processing the reimbursement fee and the expected withdrawal amount as the personal loan support amount (2000), the server responds with the predetermined image acquisition device in the terminal. For the application form for joining a private home loan remodeling business fund provided by the customer (members) Obtain (or extract) a user interface for acquiring and transmitting predetermined image content to the server (2005), and transmit and output the generated (or extracted) user interface to the terminal through the financial network ( 2010).

Subsequently, the terminal acquires image contents corresponding to the application for subscribing to the apartment remodeling business fund-supported personal loan product through a predetermined image acquisition device based on the user interface (2015).

If the image content corresponding to the application for subscription to the apartment remodeling business funds through the image acquisition device is acquired (2020), the terminal transmits the acquired image content to the server through the financial network. (2025).

Thereafter, the server remodeling the apartment housing including at least one customer (member) information, migration fee information, expected withdrawal information, collateral application information corresponding to the apartment housing remodeling business funds support personal loan product subscription application matching the image content Generate (or extract) a user interface for inputting (or selecting) business loan assistance personal loan product subscription application information to the server (2030), and generate the user interface generated (or extracted) through the financial network. The transmission is output to the terminal (2035).

Subsequently, the terminal inputs (or selects) the apartment home remodeling business fund assistance personal loan product subscription application information including at least one of the customer (member) information, migration cost information, expected withdrawal information, and security application information through the user interface. (2040).

If through the user interface is input (or selected) the information (or selection) of the apartment housing remodeling business fund support personal loan product subscription information including at least one of the customer (member) information, migration cost information, expected withdrawal information, collateral application information (2045) In step 2050, the terminal transmits the input (or selection) of the multi-family housing remodeling business fund assistance personal loan product subscription application information to the server through the financial network.

Subsequently, the server receives and reads through the financial network, the apartment house remodeling business fund assistance personal loan product subscription request information including at least one of the customer (member) information, migration cost information, expected withdrawal information, and security application information. Check the validity of the application information for applying for subscription to the apartment housing remodeling business fund (2055).

According to the implementation method of the present invention, the validity of the application information for applying for private loan product remodeling business loan remodeling business remodeling business fund support personal loan products in the financial system linked to the accounting system for opening a personal loan product account (D / B) 1800, it is preferable to include whether the at least one or more ledger information matching the application information for applying for private loan remodeling business loan remodeling business is registered.

In addition, the verification of the validity of the application information subscription application information for the apartment housing remodeling business fund support is the mortgage agreement and debt confirmation D / B (345, 1045) associated with the system for opening the apartment remodeling business funds support personal loan products. It is preferable to include a) check whether the at least one mortgage agreement and debt confirmation information is matched with the apartment housing remodeling business fund support personal loan product subscription application information is registered.

For example, checking the validity of the information for applying for private loan product subscription application for the apartment remodeling business fund may include checking the customer (member) information (customer (member)) among the information included in the apartment remodeling business fund support personal loan product subscription application information. Personal information, or member information, etc.) is matched with the customer (member) ledger stored in the ledger D / B (1800) on the financial system associated with the apartment remodeling business fund support personal loan product account opening system It is preferable to make.

In addition, the verification of the validity of the information for applying for private loan product subscription application for rehabilitation of the multi-family housing remodeling business is, among the information included in the application for subscribing to the private loan product subscription information for the multi-family housing remodeling business, the application information for the mortgage remodeling business fund And confirming that the security agreement and the security confirmation agreement on the debt confirmation information registration system associated with the support personal loan product account opening system match the information on the security agreement agreement stored in the debt confirmation D / Bs 345 and 1045. It is preferable.

If the validity of the apartment housing remodeling business fund support personal loan product subscription application information is not authenticated (2060), the server generates predetermined financial account error information and transmits it to the terminal (2065). Refund of Apartment Housing Responding to the Application for Enrollment of Personal Loan Products.

On the other hand, if the validity of the apartment housing remodeling business funds assistance personal loan product subscription application information is authenticated (2060), the server generates a predetermined apartment housing remodeling business funds assistance personal loan product subscription application electronic document including the image content. (2070).

According to an exemplary embodiment of the present invention, the server uses the image file including the image contents received from the terminal device 1695 through the image receiving unit 1620 as the migration fee and expected withdrawal as the personal loan support amount. Apartment housing remodeling for funding Business fund support Personal loan product subscription application It is desirable to process by electronic documents.

Alternatively, the server may receive the image content received from the terminal device 1695 through the image receiving unit 1620 to the apartment house remodeling business fund support personal loan product subscription application information received through the information receiving unit 1615. Support personal loan for the migration fee and expected withdrawal of an image file corresponding to the image contents including at least one of customer (member) information, migration cost information, expected withdrawal information, and security application information by watermarking It is preferable to generate an electronic document for applying for a private house loan remodeling business fund for processing by the amount of money.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 1695 through the image receiving unit 1620. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to generate an electronic document for applying for a private house loan remodeling business funds for processing.

Alternatively, the server may include the image content received from the terminal device 1695 through the image receiving unit 1620 in the apartment house remodeling business fund support personal loan product subscription application information received through the information receiving unit 1615. A predetermined document file including at least one or more of customer information (members), migration fee information, expected withdrawal information, and collateral application information in a watermarking manner, and including the generated image content (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). Apartment Housing Remodeling Business Fund Support for Personal Loan Assistance It is desirable to create a blue electronic document.

According to another exemplary embodiment of the present invention, the server may be remodeled business funds received through the image receiving unit 1620 and the image content received from the information receiving unit 1615 through the image receiving unit 1620. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC), and the like, including support personal loan product subscription application information; or By generating a web document file including MHT, etc., it is preferable to generate an electronic document for subscription to the apartment housing remodeling business fund support personal loan product for processing the migration fee and the expected withdrawal as the personal loan support amount.

Alternatively, the server may include the image content received from the terminal device 1695 through the image receiving unit 1620 in the apartment house remodeling business fund support personal loan product subscription application information received through the information receiving unit 1615. Generating image content including at least one or more information of customer (membership) information, migration cost information, expected withdrawal information, and security application information by a watermarking method, and the generated image content and the apartment remodeling business fund A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC), and the like, including support personal loan product subscription application information; or By creating a web document file including MHT), the migration fee and expected withdrawal will be converted into a personal loan support amount. It is preferable to generate an electronic document for applying for a private house loan remodeling business fund for personal treatment.

If the person skilled in the art to which the present invention belongs, the technical features that the server generates the electronic housing remodeling business funds support personal loan product subscription application electronic document in the image file format and / or predetermined document file format, Since the technical features of the file format for the image file and / or the document file corresponding to the electronic housing remodeling business fund assistance personal loan product subscription application electronic document will be familiar with, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic home remodeling business fund assistance personal loan product subscription application electronic document in a predetermined electronic document storage (2075).

As shown in FIG. 16, the electronic document repository is connected to a server on the apartment remodeling business fund support personal loan product account opening system with a predetermined electronic document server 1665 and electronic document D / When provided to the outside including the B (1685), the server transmits the generated electronic housing remodeling business funds support personal loan product subscription application electronic document to the electronic document server 1665 through the communication means It is preferable to store in the electronic document D / B 1685.

Or, if the electronic document storage is provided on the DBMS provided in the system for remodeling business fund support personal loan product opening system, the server is the electronic housing remodeling business fund support personal loan product subscription application electronic document generated It can be stored in the electronic document D / B (1685) corresponding to the electronic document storage on the DBMS provided in the apartment remodeling business fund support personal loan product account opening system, by which the present invention is not limited.

According to the implementation method of the present invention, the electronic housing remodeling business fund support personal loan product subscription application electronic document storage in the electronic document storage, the generated multi-family remodeling business fund support personal loan product subscription application electronic document and predetermined And linking the electronic document management information to the electronic document D / B 1685 shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the electronic housing remodeling business fund support personal loan product subscription application electronic document and the electronic document storage date and time information. Do.

The electronic document management information may further include financial institution information that transmits the electronic housing remodeling business fund assistance personal loan product subscription application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, information on a customer (member) who created an application for joining an apartment housing remodeling business fund support personal loan product corresponding to the image content), and / or the apartment house remodeling business. Financial institution information and / or electronic document file format information for transmitting the financial assistance personal loan application subscription application document, and / or the information for applying for the loan assistance personal loan product subscription application for the apartment remodeling business, etc.). Do.

If the electronic document is stored in the electronic housing remodeling business fund support personal loan product subscription application (2080), the server is a customer (members) included in the apartment remodeling business funds support personal loan product subscription application information. The financial account information is generated based on the information, the migration cost information, the expected withdrawal information, and the security application information (2085).

Herein, the financial account information may include an account number and an interest rate information corresponding to the multi-family remodeling business fund support personal loan product account opened based on the multi-family remodeling business fund support personal loan product subscription application information. In addition, when the multi-family housing remodeling business fund support personal loan product account includes the savings attribute, it is preferable that the predetermined housing period, payment date and time and payment amount information is further included.

Thereafter, the server is linked to the financial system based on the customer (member) information, migration cost information, expected withdrawal information, and collateral application information included in the apartment remodeling business fund support personal loan product subscription information in connection with the financial system. A financial account in the name of the customer (member) including the information is opened (2090).

According to an embodiment of the present invention, the server creates a customer ledger including customer (member) information included in the application for opening a financial account in association with the financial system (or the member (member)) and Check the customer ledgers (members) that are already matched and generated; and generate predetermined account ledger information including the financial account information, and then add the account ledger information to a predetermined account ledger associated with the customer (member) ledger. By storing the, it is characterized in that for opening the predetermined financial account for processing the migration fee and expected withdrawal as the personal loan support amount corresponding to the apartment housing remodeling business fund support personal loan product subscription application information.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the financial account information in the ledger D / B 1800 in association with the financial system. It is desirable to produce.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 1800 on the financial system to create a predetermined ledger including the financial account information.

Subsequently, the server remodeling business capital support personal loan including at least one or more of the customer (member) information, loan approval amount information, collateral setting information included in the information for applying for private loan product remodeling business loan remodeling business apartment remodeling The product subscription information is generated and stored in a predetermined storage medium 1805 (2095).

According to an exemplary embodiment of the present invention, when the storage medium 1805 is provided in the server or on a network connected with the server, the server requests to subscribe to the received multi-family remodeling business fund support personal loan product. It is preferable that the storage medium 1805 stores the information on the apartment remodeling business fund support personal loan product including at least one of the customer (member) information, loan approval amount information, and security setting information included in the information. .

According to another exemplary embodiment of the present invention, when the storage medium 1805 is provided in a DBMS provided on a financial system, the server includes the received apartment housing remodeling business fund support personal loan product subscription application information. Apartment housing remodeling business fund support that includes at least one customer (membership) information, loan approval amount information, collateral setting information, personal loan product subscription information provided to the information system through the external system on the financial system provided on the financial system It is desirable to store in a DBMS.

Subsequently, the server may provide predetermined financial account opening history information (for example, the history of the remodeling business fund support personal loan product account opening, and / or the apartment remodeling business money support personal loan product subscription to the electronic document repository. The document storing the document, and / or the details of storing the apartment housing remodeling business fund support personal loan product subscription information in the storage medium 1805) (or extracted) and transmits it to the terminal (2099).

According to an embodiment of the present invention, the storage medium 1805 is provided on the system for remodeling business fund support personal loan product opening system (or the housing remodeling business fund support personal loan product account opening system). Associated with the DBMS on the financial system, wherein the storage medium 1805 is the ledger D / B 1800 provided in the DBMS on the financial system and / or the ledger D / B 1800. It may be a predetermined database associated with), whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1805 may be provided on (or linked to) an internet banking system, and / or a telebanking system provided on the system for opening an apartment remodeling business fund support personal loan product. And / or a DBMS on at least one of the wireless banking system, and / or the TV banking system. The present invention is not limited thereto.

21A and 21B are diagrams illustrating a process of opening a multi-family housing remodeling business fund support personal loan product account for processing a migration fee and an expected withdrawal amount as a personal loan support amount in a face-to-face manner according to another exemplary embodiment of the present invention.

More specifically, FIGS. 21A and 21B are window terminals provided with a terminal device 1695 on a system for opening an apartment remodeling business fund support personal loan product account shown in FIG. 16 at a financial institution branch (or a branch). When the financial institution server 1600 has a ledger server (not shown) function in the financial system linked to the counter terminal through a predetermined financial network, a predetermined customer (member) provides the personal loan support amount with the migration fee and expected withdrawal amount. Apartment housing remodeling business funds support for processing the housing remodeling business funds support personal loan products including at least one customer (members) information, migration costs information, expected withdrawal information, mortgage application information to open a personal loan product account Fill out the application form and submit it to the financial institution. This is a system configuration for opening and processing apartment housing remodeling business fund support personal loan product account in a face-to-face manner. Specifically, the customer (member) creates the application form for joining the apartment house remodeling business money support personal loan product. When submitted to the counter, the counter terminal inputs (or selects) the apartment housing remodeling business funds assistance personal loan product subscription application information corresponding to the apartment remodeling business funds assistance personal loan product subscription application to the financial company server 1600. After the transmission, if a predetermined image content corresponding to the application for joining the apartment remodeling business fund support personal loan product through the predetermined image acquisition device is obtained and transmitted to the financial company server 1600, the financial company server 1600 The customer (member) information, migration costs information, expected withdrawal information According to an embodiment of the present invention, there is provided a method for opening and processing the multi-family remodeling business fund support personal loan product account based on the application information for applying for the multi-family home remodeling business funds including at least one of the application for collateral.

Those skilled in the art to which the present invention pertains refer to and / or modify the drawings 21a and 21b, and join the apartment remodeling business fund support personal loan product to the financial company server 1600 at the window terminal. Various implementation methods for registering application information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 21A and 21B.

For example, the implementation method illustrated in FIGS. 21A and 21B includes a process of generating a predetermined electronic document corresponding to the application for joining an apartment remodeling business fund support personal loan product and storing the electronic document in an electronic document repository. The procedure may be omitted according to the intention of the skilled person, and the present invention is not limited thereto.

In addition, in the implementation method shown in FIGS. 21A and 21B including the electronic document generation and storage process, the counter terminal corresponds to the application for subscribing to the apartment remodeling business fund support personal loan product through a predetermined image acquisition device. The financial company server may include a user interface for acquiring predetermined image content and for inputting (or selecting) the apartment remodeling business fund assistance personal loan product subscription application information corresponding to the apartment remodeling business fund assistance personal loan product subscription application. Although illustrated as being provided from 1600, when a predetermined information registration program is provided in the window terminal, the user interface may not be provided from the financial institution server 1600, and thus the present invention is not limited thereto. .

Hereinafter, the window terminal shown in FIG. 16 in FIG. 21A and FIG. 21B will be referred to as "terminal" for convenience, and the financial company server 1600 shown in FIG. 16 will be referred to as "server" for convenience. The customer (member) information, migration cost information, expected withdrawal information, security application information transmitted to the financial company server 1600 is referred to as "community housing remodeling business funds support personal loan product subscription application information" for convenience.

Referring to FIGS. 21A and 21B, a predetermined customer (member) includes at least one of customer (member) information, migration cost information, expected withdrawal information, and collateral application information in order to process the migration fee and expected withdrawal as a personal loan assistance amount. After completing and submitting the application form for the application for a private loan product for the remodeling of the apartment house, the window terminal shown in FIG. 16 connects to the server through a predetermined financial network and connects a predetermined communication channel. If the user interface request for processing the relocation fee and the expected withdrawal corresponding to the application fee for personal loan product subscription application as the personal loan support amount is requested (2100), the server responds to the remodeling of the apartment building created by the customer (member). Customer (membership) information, migration cost information, expectation anticipation corresponding to business loan support personal loan product application Generate (or extract) a user interface for inputting (or selecting) the information for applying for the loan for the apartment housing remodeling business loan including at least one of information and mortgage application information (2105); The generated (or extracted) user interface is transmitted to the terminal through a financial network and output (2110).

Subsequently, the terminal inputs (or selects) the apartment home remodeling business fund assistance personal loan product subscription application information including at least one of the customer (member) information, migration cost information, expected withdrawal information, and security application information through the user interface. (2115).

If through the user interface is input (or selected) the apartment housing remodeling business fund support personal loan product subscription application information including at least one of the customer (member) information, migration cost information, expected withdrawal information, collateral application information (2120) In step 2125, the terminal transmits the input (or selection) of the apartment housing remodeling business fund assistance personal loan product subscription application information to the server through the financial network.

Subsequently, the server receives and reads through the financial network, the apartment house remodeling business fund assistance personal loan product subscription request information including at least one of the customer (member) information, migration cost information, expected withdrawal information, and security application information. Checking the validity of the application information for applying for subscription to the apartment remodeling business funds (2130).

According to the implementation method of the present invention, the validity of the application information for applying for private loan product remodeling business loan remodeling business remodeling business fund support personal loan products in the financial system linked to the accounting system for opening a personal loan product account (D / B) 1800, it is preferable to include whether the at least one or more ledger information matching the application information for applying for private loan remodeling business loan remodeling business is registered.

In addition, the verification of the validity of the application information subscription application information for the apartment housing remodeling business fund support is the mortgage agreement and debt confirmation D / B (345, 1045) associated with the system for opening the apartment remodeling business funds support personal loan products. It is preferable to include a) check whether the at least one mortgage agreement and debt confirmation information is matched with the apartment housing remodeling business fund support personal loan product subscription application information is registered.

For example, checking the validity of the information for applying for private loan product subscription application for the apartment remodeling business fund may include checking the customer (member) information (customer (member)) among the information included in the apartment remodeling business fund support personal loan product subscription application information. Personal information, or member information, etc.) is matched with the customer (member) ledger stored in the ledger D / B (1800) on the financial system associated with the apartment remodeling business fund support personal loan product account opening system It is preferable to make.

In addition, the verification of the validity of the apartment housing remodeling business funds assistance personal loan product subscription application information is the information contained in the apartment housing remodeling business funds assistance personal loan product subscription application information, the security application information is the apartment housing remodeling business funds And confirming whether the security agreement and the security confirmation agreement on the debt confirmation information registration system associated with the support personal loan product account opening system match the information on the security agreement agreement stored in the debt confirmation D / B (345, 1045). It is preferable.

If the validity of the apartment housing remodeling business fund assistance personal loan product subscription application information is not certified (2135), the server generates predetermined financial account error information and transmits it to the terminal (2140), and the apartment house remodeling Refund of Apartment Housing Responding to the Application for Enrollment of Personal Loan Products.

On the other hand, if the validity of the apartment housing remodeling business fund support personal loan product subscription application information is authenticated (2135), the server supports the apartment housing remodeling business funds created by the customer (member) through a predetermined image acquisition device in the terminal Generate (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to a personal loan product subscription application to the server (2145), and generating the generated (or extracted) user interface through the financial network. The transmission is output to the terminal (2150).

Subsequently, the terminal acquires image content corresponding to the application for subscribing to the apartment remodeling business fund support personal loan product through a predetermined image acquisition device based on the user interface (2155).

If the image content corresponding to the application for subscription to the apartment remodeling business funds through the image acquisition device is acquired (2160), the terminal transmits the acquired image content to the server through the financial network. (2165).

The server, which has received the apartment house remodeling business funds assistance personal loan product subscription application information and the image content from the terminal, generates a predetermined apartment house remodeling business funds assistance personal loan product subscription application electronic document including the image contents ( 2170).

According to an exemplary embodiment of the present invention, the server uses the image file including the image contents received from the terminal device 1695 through the image receiving unit 1620 as the migration fee and expected withdrawal as the personal loan support amount. Apartment housing remodeling for funding Business fund support Personal loan product subscription application It is desirable to process by electronic documents.

Alternatively, the server may receive the image content received from the terminal device 1695 through the image receiving unit 1620 to the apartment house remodeling business fund support personal loan product subscription application information received through the information receiving unit 1615. Support personal loan for the migration fee and expected withdrawal of an image file corresponding to the image contents including at least one of customer (member) information, migration cost information, expected withdrawal information, and security application information by watermarking It is preferable to generate an electronic document for applying for a private house loan remodeling business fund for processing by the amount of money.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 1695 through the image receiving unit 1620. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to generate an electronic document for applying for a private house loan remodeling business funds for processing.

Alternatively, the server may include the image content received from the terminal device 1695 through the image receiving unit 1620 in the apartment house remodeling business fund support personal loan product subscription application information received through the information receiving unit 1615. A predetermined document file including at least one or more of customer information (members), migration fee information, expected withdrawal information, and collateral application information in a watermarking manner, and including the generated image content (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). Apartment Housing Remodeling Business Fund Support for Personal Loan Assistance It is desirable to create a blue electronic document.

According to another exemplary embodiment of the present invention, the server may be remodeled business funds received through the image receiving unit 1620 and the image content received from the information receiving unit 1615 through the image receiving unit 1620. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC), and the like, including support personal loan product subscription application information; or By generating a web document file including MHT, etc., it is preferable to generate an electronic document for subscription to the apartment housing remodeling business fund support personal loan product for processing the migration fee and the expected withdrawal as the personal loan support amount.

Alternatively, the server may include the image content received from the terminal device 1695 through the image receiving unit 1620 in the apartment house remodeling business fund support personal loan product subscription application information received through the information receiving unit 1615. Generating image content including at least one or more information of customer (membership) information, migration cost information, expected withdrawal information, and security application information by a watermarking method, and the generated image content and the apartment remodeling business fund A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC), and the like, including support personal loan product subscription application information; or By creating a web document file including MHT), the migration fee and expected withdrawal will be converted into a personal loan support amount. It is preferable to generate an electronic document for applying for a private house loan remodeling business fund for personal treatment.

If the person skilled in the art to which the present invention belongs, the technical features that the server generates the electronic housing remodeling business funds support personal loan product subscription application electronic document in the image file format and / or predetermined document file format, Since the technical features of the file format for the image file and / or the document file corresponding to the electronic housing remodeling business fund assistance personal loan product subscription application electronic document will be familiar with, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic home remodeling business fund assistance personal loan product subscription application electronic document in a predetermined electronic document storage (2175).

As shown in FIG. 16, the electronic document repository is connected to a server on the apartment remodeling business fund support personal loan product account opening system with a predetermined electronic document server 1665 and electronic document D / When provided to the outside including the B (1685), the server transmits the generated electronic housing remodeling business funds support personal loan product subscription application electronic document to the electronic document server 1665 through the communication means It is preferable to store in the electronic document D / B 1685.

Or, if the electronic document storage is provided on the DBMS provided in the system for remodeling business fund support personal loan product opening system, the server is the electronic housing remodeling business fund support personal loan product subscription application electronic document generated It can be stored in the electronic document D / B (1685) corresponding to the electronic document storage on the DBMS provided in the apartment remodeling business fund support personal loan product account opening system, by which the present invention is not limited.

According to the implementation method of the present invention, the electronic housing remodeling business fund support personal loan product subscription application electronic document storage in the electronic document storage, the generated multi-family remodeling business fund support personal loan product subscription application electronic document and predetermined And linking the electronic document management information to the electronic document D / B 1685 shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the electronic housing remodeling business fund support personal loan product subscription application electronic document and the electronic document storage date and time information. Do.

The electronic document management information may further include financial institution information that transmits the electronic housing remodeling business fund assistance personal loan product subscription application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, information on a customer (member) who created an application for joining an apartment housing remodeling business fund support personal loan product corresponding to the image content), and / or the apartment house remodeling business. Financial institution information and / or electronic document file format information for transmitting the financial assistance personal loan application subscription application document, and / or the information for applying for the loan assistance personal loan product subscription application for the apartment remodeling business, etc.). Do.

If the electronic document is stored in the electronic housing remodeling business funds support personal loan product subscription application (2180), the server is a customer (members) included in the apartment remodeling business funds support personal loan product subscription information. The financial account information is generated based on the information, the migration cost information, the expected withdrawal information, and the security application information (2185).

Herein, the financial account information may include an account number and an interest rate information corresponding to the multi-family remodeling business fund support personal loan product account opened based on the multi-family remodeling business fund support personal loan product subscription application information. In addition, when the multi-family housing remodeling business fund support personal loan product account includes the savings attribute, it is preferable that the predetermined housing period, payment date and time and payment amount information is further included.

Thereafter, the server is linked to the financial system based on the customer (member) information, migration cost information, expected withdrawal information, and collateral application information included in the apartment remodeling business fund support personal loan product subscription information in connection with the financial system. A financial account in the name of the customer (member) including the information is opened (2190).

According to an embodiment of the present invention, the server creates a customer ledger including customer (member) information included in the application for opening a financial account in association with the financial system (or the member (member)) and Check the customer ledgers (members) that are already matched and generated; and generate predetermined account ledger information including the financial account information, and then add the account ledger information to a predetermined account ledger associated with the customer (member) ledger. By storing the, it is characterized in that for opening the predetermined financial account for processing the migration fee and expected withdrawal as the personal loan support amount corresponding to the apartment housing remodeling business fund support personal loan product subscription application information.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the financial account information in the ledger D / B 1800 in association with the financial system. It is desirable to produce.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 1800 on the financial system to create a predetermined ledger including the financial account information.

Subsequently, the server remodeling business capital support personal loan including at least one or more of the customer (member) information, loan approval amount information, collateral setting information included in the information for applying for private loan product remodeling business loan remodeling business apartment remodeling The product subscription information is generated and stored in a predetermined storage medium 1805 (2195).

According to an exemplary embodiment of the present invention, when the storage medium 1805 is provided in the server or on a network connected with the server, the server requests to subscribe to the received multi-family remodeling business fund support personal loan product. It is preferable that the storage medium 1805 stores the information on the apartment remodeling business fund support personal loan product including at least one of the customer (member) information, loan approval amount information, and security setting information included in the information. .

According to another exemplary embodiment of the present invention, when the storage medium 1805 is provided in a DBMS provided on a financial system, the server includes the received apartment housing remodeling business fund support personal loan product subscription application information. Apartment housing remodeling business fund support that includes at least one customer (membership) information, loan approval amount information, collateral setting information, personal loan product subscription information provided to the information system through the external system on the financial system provided on the financial system It is desirable to store in a DBMS.

Subsequently, the server may provide predetermined financial account opening history information (for example, the history of the remodeling business fund support personal loan product account opening, and / or the apartment remodeling business money support personal loan product subscription to the electronic document repository. A document storing the document, and / or a record of storing the apartment housing remodeling business fund assistance personal loan product subscription information in the storage medium 1805 is generated (or extracted) and transmitted to the terminal (2199).

According to an embodiment of the present invention, the storage medium 1805 is provided on the system for remodeling business fund support personal loan product opening system (or the housing remodeling business fund support personal loan product account opening system). Associated with the DBMS on the financial system, wherein the storage medium 1805 is the ledger D / B 1800 provided in the DBMS on the financial system and / or the ledger D / B 1800. It may be a predetermined database associated with), whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1805 may be provided on (or linked to) an internet banking system, and / or a telebanking system provided on the system for opening an apartment remodeling business fund support personal loan product. And / or a DBMS on at least one of the wireless banking system, and / or the TV banking system. The present invention is not limited thereto.

22A and 22B illustrate a process of opening a multi-family remodeling business fund support personal loan product account for processing a migration fee and an expected withdrawal amount as a personal loan support amount in a face-to-face manner according to another exemplary embodiment of the present invention.

22a and 22b show a terminal terminal 1695 on a system for opening a multi-unit housing remodeling business fund support personal loan product account shown in FIG. 16, which is provided at a branch of a financial institution (or a branch). When the financial institution server 1600 has a ledger server (not shown) function in the financial system linked to the counter terminal through a predetermined financial network, a predetermined customer (member) provides the personal loan support amount with the migration fee and expected withdrawal amount. Apartment housing remodeling business funds support for processing the housing remodeling business funds support personal loan products including at least one customer (members) information, migration costs information, expected withdrawal information, mortgage application information to open a personal loan product account Fill out the application form and submit it to the financial institution. This is a system configuration for opening and processing apartment housing remodeling business fund support personal loan product account in a face-to-face manner. Specifically, the customer (member) creates the application form for joining the apartment house remodeling business money support personal loan product. Upon submission to the counter, the counter terminal acquires a predetermined image content corresponding to the application for joining the apartment remodeling business fund support personal loan product through a predetermined image acquisition device, and joins the apartment remodeling business fund support personal loan product. After inputting (or selecting) the apartment housing remodeling business funds assistance personal loan product subscription application information corresponding to the application, the image content and the apartment housing remodeling business funds assistance personal loan product subscription application information are sent to the financial company server 1600. If so, the financial institution server (1) In step 600, the multi-family remodeling business fund support individual based on the application information for applying for the apartment remodeling business fund including at least one or more of the customer (member) information, migration cost information, expected withdrawal information, collateral application information; The implementation method of opening a loan product account is shown.

Those skilled in the art to which the present invention pertains refer to and / or modify the drawings 22a and 22b, and join the apartment remodeling business fund support personal loan product from the counter terminal to the financial company server 1600. Various implementation methods for registering the application information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 22A and 22B.

For example, the implementation method illustrated in FIGS. 22A and 22B includes a process of generating a predetermined electronic document corresponding to the apartment remodeling business fund assistance personal loan product subscription application and storing the electronic document in an electronic document repository. The procedure may be omitted according to the intention of the skilled person, and the present invention is not limited thereto.

In addition, in the implementation method shown in FIGS. 22A and 22B including the electronic document generation and storage process, the counter terminal corresponds to the application for subscribing to the apartment remodeling business fund support personal loan product through a predetermined image acquisition device. The financial company server may include a user interface for acquiring predetermined image content and for inputting (or selecting) the apartment remodeling business fund assistance personal loan product subscription application information corresponding to the apartment remodeling business fund assistance personal loan product subscription application. Although illustrated as being provided from 1600, when a predetermined information registration program is provided in the window terminal, the user interface may not be provided from the financial institution server 1600, and thus the present invention is not limited thereto. .

In the following Figures 22a and 22b, the window terminal shown in Figure 16 is referred to as "terminal" for convenience, and the financial company server 1600 shown in Figure 16 is referred to as "server" for convenience, The customer (member) information, migration cost information, expected withdrawal information, security application information transmitted to the financial company server 1600 is referred to as "community housing remodeling business funds support personal loan product subscription application information" for convenience.

Referring to FIGS. 22A and 22B, a predetermined customer (member) includes at least one of customer (member) information, migration cost information, expected withdrawal information, and collateral application information in order to process the migration fee and expected withdrawal as a personal loan assistance amount. After completing and submitting the application form for the application for a private loan product for the remodeling of the apartment house, the window terminal shown in FIG. 16 connects to the server through a predetermined financial network and connects a predetermined communication channel. When requesting a user interface for processing the migration fee and the expected withdrawal corresponding to the remodeling business fund support personal loan product subscription application as the personal loan support amount (2200), correspondingly, the server prepares the client (member) in the terminal. Multi-family remodeling business fund support Multi-family remodeling business corresponding to personal loan product subscription application Enter (or select) gold-supported personal loan product subscription application information, and acquire predetermined image contents corresponding to the apartment remodeling business fund support personal loan product subscription application through a predetermined image acquisition device and transmit the same to the server. A user interface is generated (or extracted) for the user interface 2205, and the generated (or extracted) user interface is transmitted to the terminal for output through the financial network (2210).

Subsequently, the terminal inputs (or selects) the apartment home remodeling business fund assistance personal loan product subscription application information including at least one of the customer (member) information, migration cost information, expected withdrawal information, and security application information through the user interface. (2215).

If through the user interface is input (or selected) the apartment housing remodeling business fund support personal loan product subscription application information including at least one of the customer (member) information, migration cost information, expected withdrawal information, collateral application information (2220) In operation 2225, the terminal acquires image contents corresponding to the application for subscription to the apartment remodeling business fund support personal loan product through a predetermined image acquisition device based on the user interface.

If the image content corresponding to the application for subscription of the apartment remodeling business fund support personal loan product through the image acquisition device is acquired (2230), the terminal subscribes to the apartment remodeling business fund support personal loan product through the financial network. The application information and the image content are transmitted to the server (2235).

Thereafter, the server receives and reads through the financial network, information for applying for subscription to the apartment housing remodeling business fund supporting personal loan product including at least one of the customer (member) information, migration cost information, expected withdrawal information, and security application information. By checking the validity of the application information for the subscription to the apartment housing remodeling business fund support (2240).

According to the implementation method of the present invention, the validity of the application information for applying for private loan product remodeling business loan remodeling business remodeling business fund support personal loan products in the financial system linked to the accounting system for opening a personal loan product account (D / B) 1800, it is preferable to include whether the at least one or more ledger information matching the application information for applying for private loan remodeling business loan remodeling business is registered.

In addition, the verification of the validity of the application information subscription application information for the apartment housing remodeling business fund support is the mortgage agreement and debt confirmation D / B (345, 1045) associated with the system for opening the apartment remodeling business funds support personal loan products. It is preferable to include a) check whether the at least one mortgage agreement and debt confirmation information is matched with the apartment housing remodeling business fund support personal loan product subscription application information is registered.

For example, the validity confirmation of the information on the application for subscription to the apartment housing remodeling business fund assistance personal information is included in the information on the application for subscription to the apartment housing remodeling business fund assistance personal loan product, the customer (member) information (customer (member) Personal information, or member information, etc.) is matched with the customer (member) ledger stored in the ledger D / B (1800) on the financial system associated with the apartment remodeling business fund support personal loan product account opening system It is preferable to make it.

In addition, the verification of the validity of the information for applying for private loan product subscription application for rehabilitation of the multi-family housing remodeling business is, among the information included in the application for subscribing to the private loan product subscription information for the multi-family housing remodeling business, the application information for the mortgage remodeling business fund And confirming whether the security agreement and the security confirmation agreement on the debt confirmation information registration system associated with the support personal loan product account opening system match the information on the security agreement agreement stored in the debt confirmation D / B (345, 1045). It is preferable.

If the validity of the apartment housing remodeling business fund support personal loan product subscription application information is not certified (2245), the server generates predetermined financial account error information and transmits it to the terminal (2250). Refund of Apartment Housing Responding to the Application for Enrollment of Personal Loan Products.

On the other hand, if the validity of the apartment remodeling business funds assistance personal loan product subscription application information is authenticated (2245), the server generates a predetermined apartment housing remodeling business funds assistance personal loan product subscription application electronic document including the image content. (2255).

According to an exemplary embodiment of the present invention, the server uses the image file including the image contents received from the terminal device 1695 through the image receiving unit 1620 as the migration fee and expected withdrawal as the personal loan support amount. Apartment housing remodeling for funding Business fund support Personal loan product subscription application It is desirable to process by electronic documents.

Alternatively, the server may include the image content received from the terminal device 1695 through the image receiving unit 1620 in the apartment house remodeling business fund support personal loan product subscription application information received through the information receiving unit 1615. Personal loan support amount of the image file corresponding to the image content including at least one or more information of the customer (members), migration fee information, expected withdrawal information, collateral application information by watermarking method It is preferable to generate an electronic document for applying for a private house loan remodeling business funds for processing.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) containing the image content received from the terminal device 1695 through the image receiving unit 1620. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is preferable to generate an electronic document for applying for a private house loan remodeling business funds for processing.

Alternatively, the server may include the image content received from the terminal device 1695 through the image receiving unit 1620 in the apartment house remodeling business fund support personal loan product subscription application information received through the information receiving unit 1615. A predetermined document file including at least one or more of customer information (membership) information, migration fee information, expected withdrawal information, and collateral application information in a watermarking manner, and including the generated image content (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). Apartment Housing Remodeling Business Fund Support for Personal Loan Assistance To generate an electronic document is preferred.

According to another exemplary embodiment of the present disclosure, the server may be configured to receive the image content received from the terminal device 1695 through the image receiving unit 1620 and the apartment house remodeling project received through the information receiving unit 1615. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing at least one document file including application information for applying for funding personal loan products; Or by generating a web document file including MHT), it is preferable to generate an electronic document for subscription to the apartment housing remodeling business fund support personal loan product for processing the migration fee and expected withdrawal as the personal loan support amount.

Alternatively, the server may include the image content received from the terminal device 1695 through the image receiving unit 1620 in the apartment house remodeling business fund support personal loan product subscription application information received through the information receiving unit 1615. Generating image content including at least one or more information of customer (membership) information, migration cost information, expected withdrawal information, and security application information by a watermarking method, and the generated image content and the apartment remodeling business fund A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC), and the like, including support personal loan product subscription application information; or By creating a web document file including MHT), the migration fee and expected withdrawal will be converted into a personal loan support amount. To create a public housing renovation project funded personal loan product subscription for the electronic document processing is desirable.

If the person skilled in the art to which the present invention belongs, the technical features that the server generates the electronic housing remodeling business funds support personal loan product subscription application electronic document in the image file format and / or predetermined document file format, Since the technical features of the file format for the image file and / or the document file corresponding to the electronic housing remodeling business fund assistance personal loan product subscription application electronic document will be familiar with, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic home remodeling business funds assistance personal loan product subscription application electronic document in a predetermined electronic document storage (2260).

As shown in FIG. 16, the electronic document repository is connected to a server on the apartment remodeling business fund support personal loan product account opening system with a predetermined electronic document server 1665 and electronic document D / When provided to the outside including the B (1685), the server transmits the generated electronic housing remodeling business funds support personal loan product subscription application electronic document to the electronic document server 1665 through the communication means It is preferable to store in the electronic document D / B 1685.

Or, if the electronic document storage is provided on the DBMS provided in the system for remodeling business fund support personal loan product opening system, the server is the electronic housing remodeling business fund support personal loan product subscription application electronic document generated It can be stored in the electronic document D / B (1685) corresponding to the electronic document storage on the DBMS provided in the apartment remodeling business fund support personal loan product account opening system, by which the present invention is not limited.

According to the implementation method of the present invention, the electronic housing remodeling business fund support personal loan product subscription application electronic document storage in the electronic document storage, the generated multi-family remodeling business fund support personal loan product subscription application electronic document and predetermined And linking the electronic document management information to the electronic document D / B 1685 shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the electronic housing remodeling business fund support personal loan product subscription application electronic document and the electronic document storage date and time information. Do.

The electronic document management information may further include financial institution information that transmits the electronic housing remodeling business fund assistance personal loan product subscription application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, information on a customer (member) who created an application for joining an apartment housing remodeling business fund support personal loan product corresponding to the image content), and / or the apartment house remodeling business. Financial institution information and / or electronic document file format information for transmitting the financial assistance personal loan application subscription application document, and / or the information for applying for the loan assistance personal loan product subscription application for the apartment remodeling business, etc.). Do.

If the electronic document is stored in the electronic housing remodeling business funds support personal loan product subscription application (2265), the server is a customer (members) included in the apartment remodeling business funds support personal loan product subscription application information. The financial account information is generated based on the information, the migration cost information, the expected withdrawal information, and the security application information (2270).

Herein, the financial account information may include an account number and an interest rate information corresponding to the multi-family remodeling business fund support personal loan product account opened based on the multi-family remodeling business fund support personal loan product subscription application information. In addition, when the multi-family housing remodeling business fund support personal loan product account includes the savings attribute, it is preferable that the predetermined housing period, payment date and time and payment amount information is further included.

Thereafter, the server is linked with the financial system based on the customer (member) information, migration fee information, expected withdrawal information, and collateral application information included in the multi-family remodeling loan fund support personal loan product subscription application information. A financial account in the name of the customer (member) including the account information is opened (2275).

According to an embodiment of the present invention, the server creates a customer ledger including customer (member) information included in the application for opening a financial account in association with the financial system (or the member (member)) and Check the customer ledgers (members) that are already matched and generated; and generate predetermined account ledger information including the financial account information, and then add the account ledger information to a predetermined account ledger associated with the customer (member) ledger. By storing the, it is characterized in that for opening the predetermined financial account for processing the migration fee and expected withdrawal as the personal loan support amount corresponding to the apartment housing remodeling business fund support personal loan product subscription application information.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the financial account information in the ledger D / B 1800 in association with the financial system. It is desirable to produce.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 1800 on the financial system to generate a predetermined ledger including the financial account information.

Subsequently, the server remodeling business capital support personal loan including at least one or more of the customer (member) information, loan approval amount information, collateral setting information included in the information for applying for private loan product remodeling business loan remodeling business apartment remodeling The product subscription information is generated and stored in a predetermined storage medium 1805 (2280).

According to an exemplary embodiment of the present invention, when the storage medium 1805 is provided in the server or on a network connected with the server, the server requests to subscribe to the received multi-family remodeling business fund support personal loan product. Preferably, the storage medium 1805 stores information on joining the apartment remodeling business fund support personal loan product including at least one of the customer (member) information, loan approval amount information, and collateral setting information included in the information.

According to another exemplary embodiment of the present invention, when the storage medium 1805 is provided in a DBMS provided on a financial system, the server includes the received apartment housing remodeling business fund support personal loan product subscription application information. Apartment housing remodeling business fund support that includes at least one customer (member) information, loan approval amount information, collateral setting information, personal loan product subscription information provided through the external system on the financial system to the information system provided on the financial system It is desirable to store in a DBMS.

Subsequently, the server may provide predetermined financial account opening history information (for example, the history of the remodeling business fund support personal loan product account opening, and / or the apartment remodeling business money support personal loan product subscription to the electronic document repository. A document storing the document, and / or a record of storing the apartment house remodeling business fund assistance personal loan product subscription application information in the storage medium 1805 is generated (or extracted) and transmitted to the terminal (2285).

According to an embodiment of the present invention, the storage medium 1805 is provided on the system for remodeling business fund support personal loan product opening system (or linked with the system for remodeling business fund support personal loan product opening system for apartment house remodeling business). The storage medium 1805 is a ledger D / B 1800 provided in the DBMS on the financial system, and / or the ledger D / B 1800. It may be any database associated with the present invention, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1805 may be provided on (or linked to) an internet banking system, and / or a telebanking system provided on the system for opening an apartment remodeling business fund support personal loan product. And / or a DBMS on at least one of the wireless banking system and / or the TV banking system. The present invention is not limited thereto.

FIG. 23 is a diagram illustrating a system for opening a non-face-to-face multi-family remodeling business fund support personal loan product account system for processing migration expenses and expected withdrawal as a personal loan support amount according to another embodiment of the present invention.

More specifically, FIG. 23 illustrates a multi-family house remodeling project in which a predetermined customer (member) includes at least one predetermined customer (member) information, migration fee information, expected withdrawal information, and security application information through a predetermined financial account opening interface. When the financial assistance personal loan product subscription application information is provided to the financial institution, the financial institution may process the migration fee and the expected withdrawal as a personal loan support amount based on the information on the application for subscription of the apartment housing remodeling business funds. Open a multi-family remodeling business fund support personal loan product account, and store the multi-family remodeling business fund support personal loan product subscription information for managing the multi-family remodeling business fund support personal loan product account in a predetermined storage medium 2385. As for the system configuration to be described, If the person skilled in the art can refer to and / or modify this drawing 23, various implementation methods for the construction of a multi-unit housing remodeling business fund support personal loan product account system for processing the migration fee and expected withdrawal as the personal loan support amount Although it can be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 23 to store the electronic housing remodeling business fund assistance personal loan product subscription application electronic document in the electronic document repository. It will be possible to infer the configuration of a system for opening a multi-unit housing remodeling business fund support personal loan product that omits the method, and also to keep the electronic document application for subscription to the multi-family remodeling business fund support personal loan product in the electronic document repository. In addition to the implementation method shown in Fig. 23, the electronic document repository may infer the implementation method provided in the DBMS located in the system for opening the apartment remodeling business fund support personal loan product account, but the present invention provides all the inferred implementations. Method, and only the implementation method shown in FIG. Not determined

In addition, according to the implementation method shown in FIG. 23, the electronic home remodeling business fund support personal loan product subscription application electronic document is shown to be generated on the server side on the system for opening the multi-family remodeling business fund support personal loan product account Although the present invention is not limited thereto, the electronic home remodeling business fund assistance personal loan product subscription application electronic document is transmitted by inputting (or selecting) the apartment home remodeling business fund assistance personal loan product subscription application information. It may be generated on the terminal side (for example, the electronic document generation function provided on the server side is provided on the terminal side to generate the electronic housing remodeling business funds support personal loan product subscription application electronic document), thereby The invention is not limited.

Hereinafter, on the multi-unit housing remodeling business fund support personal loan product account opening system shown in FIG. 23, through the predetermined financial account opening interface, the multi-unit housing remodeling business fund support personal loan product subscription application information is provided from the customer (member). Receiving the customer (union) to open the apartment remodeling business funds support personal loan product account, and generates a predetermined electronic housing remodeling business funds support personal loan product subscription application electronic document to a predetermined electronic document storage Components corresponding to at least one means and / or functional configuration for storage are referred to as " financial company server 2300 " for convenience.

Referring to this figure 23 according to the implementation method of the present invention, the apartment remodeling business funds support personal loan product account opening system for processing the migration cost and expected withdrawal as the personal loan support amount, the wired terminal used by the customer (member) And / or a terminal device 2390 including at least one client terminal or the like including at least one wireless terminal, wherein the terminal device 2390 is provided through the predetermined network means. A communication channel is connected to a financial institution server 2300 provided on a remodeling business fund support personal loan product account opening system.

According to an embodiment of the present invention, the customer (member) is connected to the financial institution server 2300 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. And inputting (or selecting) apartment housing remodeling business fund support personal loan product subscription information for processing the migration fee and expected withdrawal as a personal loan support amount through at least one user interface provided by the financial company server 2300. In this case, the client terminal preferably transmits through the predetermined network means to the financial company server 2300 provided on the system for opening the apartment remodeling business funds support personal loan product.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 2390 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 2390 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE A generic term for all terminal devices 2390 connected to the 802.16x-based portable Internet, and / or all terminal devices 2390 connected to the IEEE 802.11x-based wireless LAN, the CDMA based (and / or HSDPA based) mobile communication network. Connected Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the I It is preferable to include at least one or more WLAN terminal connected to the EEE 802.11x-based WLAN.

In addition, the financial institution server 2300 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or a separate web server for registering the information.

The network means for connecting the client terminal and the financial institution server 2300 may be a CDMA based (and / or HSDPA based) mobile communication network and / or an IEEE 802.16x based portable device according to a wireless communication network type to which the client terminal is connected. Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial institution server 2300, and inputs and / or selects at least one or more information through the user interface to transmit to the financial institution server 2300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial institution server 2300, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the above-described multi-family remodeling business funds support personal loan product opening system, a client terminal including at least one wired terminal and / or wireless terminal used by the customer (member), the client terminal and the financial company server ( At least one wired and / or wireless communication network connecting 2300 registers the application information for applying for subscription to the apartment remodeling business fund support personal loan product for the customer (member) to process the migration fee and the expected withdrawal as the personal loan support amount. To perform the function of opening a financial account interface.

According to another exemplary embodiment of the present invention, the terminal device 2390 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the system for opening a multi-unit housing remodeling business fund supporting personal loan product account as described above, when the terminal device 2390 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( The financial network linking the financial company server 2300 registers the application information for subscription to the apartment housing remodeling business fund support personal loan product in order for the customer (member) to process the migration cost and expected withdrawal as the personal loan support amount. And / or when the terminal device 2390 is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown), and the financial company. In the wired telephone network and / or the wireless telephone network connecting the server 2300, the customer (member) processes the migration fee and the expected withdrawal as the personal loan support amount. And a terminal (and a terminal provided in an institution affiliated with the financial institution, which is the terminal device 2390), and / or performs a function of a financial account opening interface for registering the apartment housing remodeling business fund support personal loan product subscription application information. And / or server) (not shown), the network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the financial institution server 2300 is the customer. (Member) performs the function of the financial account opening interface for registering the application information for the apartment housing remodeling business fund support personal loan product subscription for processing the migration fee and expected withdrawal as the personal loan support amount.

The storage medium 2385 provided on the multi-unit housing remodeling business fund support personal loan product account opening system according to the present invention is applied to the multi-unit house remodeling business fund support personal loan product subscription application information provided from the terminal device 2390. Characterized in that it stores the membership information, such as apartment housing remodeling business funds support personal loans including at least one of the customer (member) information, loan approval amount information, collateral setting information included.

The relocation fee information is for the customer (union member) who applied for the rental of the apartment housing remodeling business fund support personal loan product, and the amount to be loaned to move to another place during the remodeling period of the apartment house owned by the customer (union member). It is preferable to mean the amount of money information, and when the remodeling of the apartment is completed, it is preferable to immediately repay the amount of money generated by the customer (members) moving back to where the remodeling is completed, the intention and purpose of those skilled in the art It may be changed according to.

The expected withdrawal information includes an amount borrowed as collateral prior to the remodeling of the apartment house owned by the customer (member) for the customer (member) who applied to join the apartment housing remodeling business fund support personal loan product. It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The mortgage request information is for the customer (union member) who applied to join the apartment remodeling business fund support personal loan product, the completion date information, area information, unit price information, number of households for the apartment house owned by the customer (union member) It is preferable to include at least one information, it may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information of the customer (member), such as the name of the customer (member), social security number, address, telephone number, mobile phone number, e-mail address, etc., and member information of the customer (member) ( For example, the financial system linked with the system for remodeling the apartment housing remodeling business fund support personal loan product in response to the customer (member) by joining the customer (member) as a financial transaction customer (member) of the financial institution. It is preferable to include at least one member ID information, or CIF (Customer Information File) number and the like provided in the customer (member union) ledger provided in the above.

The loan approval amount information is for the customer (union) who applied to join the apartment housing remodeling business fund support personal loan product, the migration cost information and expected withdrawal information included in the apartment housing remodeling business fund support personal loan product subscription application information. It is preferable to include the amount of information calculated in connection with the mortgage maintenance rate, and may be changed according to the intention and purpose of those skilled in the art.

The mortgage setting information is for the customer (member) who applied to join the apartment remodeling business fund support personal loan product, and the collateral included in the apartment house remodeling business fund support personal loan product subscription application information provided by the customer (member). Corresponding to the application information, it is preferable that the security is set in association with a predetermined registry system, and the information on the security setting is included, and may be changed according to the intention and purpose of those skilled in the art.

According to an exemplary embodiment of the present invention, the storage medium 2385 is provided on the system for remodeling business fund-supported personal loan product opening system (or the system for remodeling business fund support personal loan product opening system for the apartment house remodeling business); And a storage medium 2385 is a ledger D / B provided to the DBMS on the financial system and / or a predetermined linkage with the ledger D / B. It may be a database, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 2385 is provided on (or associated with) an internet banking system, and / or a telebanking system provided on the system for opening an apartment remodeling business fund support personal loan product. And / or a DBMS on at least one of the wireless banking system, and / or the TV banking system. The present invention is not limited thereto.

The financial institution server 2300 provided on the multi-unit housing remodeling business fund support personal loan product account opening system according to the present invention is the multi-unit house remodeling business fund support individual connected to the terminal device 2390 through a predetermined network means. A general term for the component of the system for opening a loan product, which is implemented by including at least one or more servers (or devices), and / or by at least one or more programs recorded on a recording medium provided in a predetermined server (or device). The present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device 2390 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 2300 may be configured as described above. A predetermined server (or an internet banking server provided on the internet banking system, and / or a program provided in the internet banking server), and / or a predetermined server (or accessible to the external system of the financial system through the internet banking system). Device), a program included in the server (or device), and / or a server (or externally located on the financial system accessible through the internet banking server (and / or the server (or device)). Device) and / or a program provided to the outside world on the financial system, whereby the present invention is limited. It does.

According to another exemplary embodiment of the present invention, when the terminal device 2390 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 2300 may be configured on the wireless banking system. Or a predetermined server (or device) accessible to an external system of the financial system through the wireless banking system, and / or a program provided in the wireless banking server, and / or a program provided in the wireless banking server. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), or And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 2390 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the financial company server 2300 is on the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided to the computer, and / or a program included in the telebanking server, and / or to the external system of the financial system through the telebanking system. Any server (or device) that is accessible, a program included in the server (or device), and / or an object on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the alien, and / or a program provided in the external world on the financial system, whereby the present invention is not limited. The.

According to another exemplary embodiment of the present invention, when the terminal device 2390 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial company server 2300 is the TV banking. Any server (or device) provided with a TV banking server provided on the system, and / or a program provided with the TV banking server, and / or accessible to the outside world of the financial system through the TV banking system. A server (or device) external to the financial system, or a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, the financial institution server 2300 may include an interface unit 2305 for connecting and managing a predetermined communication channel with the terminal device 2390 through the network means.

According to an embodiment of the present invention, when the terminal device 2390 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 2305 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 2305 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 2300, the interface unit 2305 may communicate with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 2390 is a financial automation device connected to a predetermined financial network, the interface unit 2305 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 2390 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2305 uses a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 2305 may communicate with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the financial institution server 2300, the interface unit 2305 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 2390 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 2305 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 2305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 2390 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 2305 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 23, when the predetermined terminal device 2390 connects a predetermined communication channel with the financial company server 2300 through the interface unit 2305, the financial institution server 2300 pays the migration fee and expected withdrawal. At least one or more so that the terminal device (2390) inputs (or selects) predetermined application information for subscription to a multi-unit housing remodeling business loan to transmit the personal loan assistance amount to the financial institution server 2300. An interface providing unit 2310 which generates (or extracts) a user interface and provides the generated (or extracted) user interface to the terminal device 2390 in association with the interface unit 2305, and the terminal device ( In operation 2390, when the user inputs (or selects) the application information for applying for subscription to the apartment remodeling business fund through the user interface and transmits the information, And an interface unit 2305 and the information receiving unit 2315 for receiving the joint housing remodeling funding personal loan subscription request information transmitted from the terminal device (2390) in conjunction characterized in that formed.

The interface providing unit 2310 connects a predetermined communication channel with the financial institution server 2300 through the interface unit 2305, and then transfers to the financial institution server 2300 and expects the migration cost. When requesting a user interface for processing the withdrawal as a personal loan assistance amount, the terminal device 2390 inputs (or selects) predetermined application information for subscription to a multi-unit house remodeling business fund support through the network means. Generate at least one user interface to be transmitted to the financial institution server 2300, and / or extract from a predetermined database (not shown), and in conjunction with the interface unit 2305 to generate the generated (or extracted) user interface. It is characterized in that provided to the terminal device 2390 via the network means.

According to an embodiment of the present invention, when the terminal device 2390 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 2310 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2305.

According to another exemplary embodiment of the present invention, when the terminal device 2390 is a financial automation device connected to a predetermined financial network, the interface providing unit 2310 provides a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 2305.

According to another exemplary embodiment of the present invention, when the terminal device 2390 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2310 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2305.

According to another exemplary embodiment of the present invention, when the terminal device 2390 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 2310 may be configured as the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 2305 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 2390 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface provider 2310 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 2305.

According to another exemplary embodiment of the present invention, the terminal device 2390 inputs (or selects) predetermined application information for applying for apartment loan remodeling business funds to the financial institution server 2300 through the network means. If a predetermined information registration program having at least one user interface is provided, input (or select) predetermined apartment home remodeling business fund assistance personal loan product subscription application information as described above to the financial company server 2300. The interface providing unit 2310 for generating (or extracting) a user interface for transmitting and providing the terminal to the terminal device 2390 may be omitted, and the present invention is not limited thereto.

Subsequently, the terminal device 2390 uses the user interface to provide information on joining the apartment remodeling business fund support personal loan product including at least one or more of the customer (union) information, migration cost information, expected withdrawal information, and security application information. Inputting (or selecting) and transmitting the input (or selection) to the financial institution server 2300 through the network means. ) Is connected to the interface unit 2305, characterized in that for receiving the subscription information subscription information for the apartment house remodeling business funds supported from the terminal device 2390.

According to an exemplary embodiment of the present invention, the terminal device 2390 may include at least one of the customer (member) information, migration fee information, expected withdrawal information, and collateral application information. A predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for verifying the validity of the apartment remodeling business fund assistance personal loan product subscription application information at the financial company server 2300 It is preferable to further include at least one or more OTP code generated through the network means to transmit to the financial institution server (2300).

According to an exemplary embodiment of the present invention, the terminal device 2390 may include at least one of the customer (member) information, migration fee information, expected withdrawal information, and collateral application information. And / or encrypt at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method), and / or It is preferable to attach a predetermined electronic signature to the apartment remodeling business fund support personal loan product subscription application information and transmit it to the financial company server 2300 through the network means, and for this purpose, the terminal device 2390 uses the encryption. Have at least one encryption key corresponding to the scheme, and / or at least one encryption A card for confirming a public certificate provided in the IC chip (or IC card) is provided with a predetermined public certificate including, and / or the public certificate is provided in a predetermined IC chip (or IC card). It is preferable that a leader is provided.

Those skilled in the art to which the present invention pertains, technical features of the various encryption schemes for encrypting the application information for applying for private loan remodeling business funding remodeling business, and the personal loan product for remodeling business funding remodeling business Since you will be familiar with the technical features of attaching a predetermined electronic signature to the subscription application information, a detailed description thereof will be omitted for convenience.

Referring to FIG. 23, when the financial institution server 2300 receives the application information for applying for subscription to the multi-family housing remodeling business fund transmitted from the terminal device 2390 through the information receiver 2315, the received financial information is received. Apartment housing remodeling business funds support personal loan product subscription application information is confirmed by the validity verification unit 2320 and the validity confirmation unit 2320 to check whether the migration fee and expected withdrawal to meet the validity for processing the personal loan support amount; In response to the validity result, the loan verification processing unit for determining whether to implement the loan by checking whether the validity check unit 2320 satisfies a predetermined loan condition for the subscription information for the apartment housing remodeling business fund support It is characterized by comprising (2325).

According to an embodiment of the present invention, the apartment house remodeling business funds support personal loan product subscription application information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope) Based encryption method, and / or a key exchange based encryption method, etc.), the validity confirming unit 2320 may transmit the encrypted multi-family remodeling business fund assistance personal loan product subscription request information corresponding to the encryption method. The received multi-family housing by decrypting with one or more decryption methods (e.g., symmetric key based decryption method, and / or public key based decryption method, and / or electronic envelope based decryption method, and / or key exchange based decryption method, etc.) Remodeling Business Fund Support Personal Loan Product Registration Information Preferable.

Alternatively, when a predetermined electronic signature is attached to the information on the application for subscription to the apartment housing remodeling business fund, the validity confirming unit 2320 may include an electronic message attached to the information on the application for subscription to the apartment housing remodeling business fund. By confirming the signature, it is preferable to verify the validity of the received information for applying for subscription to the apartment remodeling business funds.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted multi-family remodeling business fund support private loan product subscription application information, and the multi-family remodeling business fund support individual You will be familiar with the technical features of verifying the electronic signature attached to the loan application information, so a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the multi-family remodeling business fund support personal loan product subscription information received through the information receiving unit 2315 for checking the validity of the multi-family remodeling business fund support personal loan product subscription application information When a predetermined password is further included, the validity confirming unit 2320 is provided to correspond to the customer (member) on the DBMS and the received password included in the apartment remodeling business fund support personal loan product subscription application information By comparing and authenticating the received password, it is preferable to authenticate the validity of the received apartment housing remodeling business funds assistance personal loan product subscription application information.

Alternatively, predetermined security card information for confirming the validity of the multi-family remodeling business fund support personal loan product subscription application information to the multi-family remodeling business fund support personal loan product subscription application information received through the information receiver 2315. If more is included, the validity verification unit 2320 is provided in response to the customer (union) on the security card information and the DBMS received in the apartment remodeling business funds support personal loan product subscription application information received By comparing and authenticating the security card information, it is preferable to authenticate the validity of the received information for applying for subscription to the apartment remodeling business funds.

Alternatively, a predetermined OTP code for checking the validity of the multi-family remodeling business funds assistance personal loan product subscription application information is received in the multi-family remodeling business funds assistance personal loan product subscription application information received through the information receiver 2315. If further included, the validity verification unit 2320 is provided in response to the customer (members) on the OTP code and the DBMS received in the apartment remodeling business funds support personal loan product subscription application information received By comparing and authenticating the OTP codes generated based on the OTP generation information, it is preferable to authenticate the validity of the received application information for applying for the loan for the remodeling of the apartment house remodeling business.

According to the method of the present invention, the validity of the application information for applying for private loan product subscription for the apartment remodeling business fund is checked in the ledger D / B on the financial system linked with the system for opening the account for the apartment house remodeling business fund support personal loan product. It is preferable to include a check whether at least one or more ledger information matching the apartment remodeling business funds assistance personal loan product subscription application information is registered.

In addition, the verification of the validity of the application information subscription application information for the apartment housing remodeling business fund support is the mortgage agreement and debt confirmation D / B (145, 845) associated with the system for opening the account remodeling business funds support personal loan products It is preferable to include a) check whether the at least one mortgage agreement and debt confirmation information is matched with the apartment housing remodeling business fund support personal loan product subscription application information is registered.

For example, checking the validity of the information for applying for private loan product subscription application for the apartment remodeling business fund may include checking the customer (member) information (customer (member)) among the information included in the apartment remodeling business fund support personal loan product subscription application information. Personal information, member information, etc.) is matched with the customer (member) ledger stored in the ledger D / B on the financial system associated with the apartment remodeling business fund support personal loan product account opening system desirable.

In addition, the verification of the validity of the information for applying for private loan product subscription application for rehabilitation of the multi-family housing remodeling business is, among the information included in the application for subscribing to the private loan product subscription information for the multi-family housing remodeling business, the application information for the mortgage remodeling business fund And confirming whether the security agreement and the security confirmation agreement on the debt confirmation information registration system associated with the support personal loan product account opening system match the information on the security agreement agreement stored in the debt confirmation D / B (145, 845). It is preferable.

In response to the validity result confirmed by the validity confirming unit 2320, the loan review processing unit 2325 may apply a predetermined loan to the application information for applying for subscription to the apartment remodeling business fund support personal loan product in the validity confirming unit 2320. It is characterized by determining whether the loan is carried out by checking whether the conditions are satisfied.

According to the implementation method of the present invention, the loan examination processing unit 2325, in response to the validity result confirmed by the validity confirmation unit 2320, the validity confirmation unit 2320 remodeling business fund support personal loan products It is preferable to determine whether to perform a loan by checking whether the subscription information is satisfied with the loan condition.

Here, the loan condition is whether the amount of asset price increase after the remodeling of the remodeling business funded sub-units is equal to a predetermined amount, and whether the total loan support amount is in accordance with the LTV. It is preferable to check whether at least one or more of the number of the remodeling project funding target apartments conform to a predetermined number, and may be changed according to the intention and purpose of those skilled in the art.

Those of ordinary skill in the art to which the present invention pertains will be familiar with the technical features of the loan conditions, so the detailed description is omitted for convenience.

Referring to FIG. 23, if the financial company server 2300 is authenticated through the validity confirming unit 2320, the validity of the application information for subscription to the apartment housing remodeling business fund is received, the received apartment housing remodeling business fund Support for a predetermined multi-family housing remodeling business fund including information on the application for subscribing private loan products; Electronic document generation unit 2330 for generating a personal loan application subscription application electronic document; and the generated multi-family remodeling business fund support private loan product subscription. And an electronic document transmission unit 2335 for transmitting the electronic document to the electronic document repository associated with the multi-family housing remodeling business fund support personal loan product account opening system.

The electronic document generation unit 2330 is a multi-unit housing remodeling business fund support personal loan including the subscription information for the apartment remodeling business fund support personal loan product received from the terminal device 2390 through the information receiving unit 2315. It is characterized by generating a product subscription application electronic document.

According to an exemplary embodiment of the present invention, the electronic document generation unit 2330 may include customer (member) information included in the apartment remodeling business fund support personal loan product subscription application information received through the information receiving unit 2315, and the migration fee. Generating document content including at least one of information, expected withdrawal information, and collateral information, and including a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or the document content) containing the document content; Application for subsidized apartment remodeling business funds to process the migration fee and expected withdrawal as personal loan support amount of a word processor file including at least one HWP / DOC, or a web document file including MHT) It is preferable to process it as an electronic document.

Alternatively, the electronic document generation unit 2330 may include customer (member) information, migration fee information, expected withdrawal information, and collateral included in the multi-family remodeling business fund support personal loan product subscription information received through the information receiving unit 2315. Create document content including at least one application information, customer (member) information, migration costs information, expected withdrawal information, security application information included in the apartment housing remodeling business funds support personal loan product subscription application information in the document content After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, PDF (Portable Document Format) file, EDI (Electronic Data Interchange) file, or The word processing file including at least one of HWP / DOC, web document file including MHT, etc.) And it is desirable to process the expected withdrawal as an electronic document for the application for membership of the apartment loan remodeling business funds for the processing of the personal loan support.

Alternatively, the electronic document generation unit 2330 may include customer (member) information, migration fee information, expected withdrawal information, and collateral included in the multi-family remodeling business fund support personal loan product subscription information received through the information receiving unit 2315. Generating an image content including at least one request information and an image file including image content (eg, image content generated by capturing the document content on a memory); It is preferable to process the expected withdrawal as an electronic document for the application for membership of the apartment loan remodeling business funds for the processing of personal loan assistance.

Alternatively, the electronic document generation unit 2330 may include customer (member) information, migration fee information, expected withdrawal information, and collateral included in the multi-family remodeling business fund support personal loan product subscription information received through the information receiving unit 2315. Individuals who generate document content including at least one application information and capture the document content (e.g., image content generated by capturing the document content on a memory), the apartment remodeling business fund support individual After including at least one or more information (customer information), migration cost information, expected withdrawal information, collateral application information included in the loan product subscription application information in a watermarking method, and includes the image content including the watermarking Apartment housing for processing the above-mentioned migration fee and expected withdrawal as a personal loan support amount Remodeling business fund support Personal loan product subscription application It is desirable to process electronic documents.

According to another exemplary embodiment of the present invention, the electronic document generation unit 2330 may include customer (member) information included in the application information for applying for subscription to a multi-family house remodeling business fund received through the information receiver 2315, Generating document content including at least one of migration fee information, expected withdrawal information, and secured application information, and capturing the image content (eg, the image content generated by capturing the document content on a memory); A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By regenerating the housing cost of the apartment remodeling business for processing the migration costs and expected withdrawals as the amount of personal loan support Ex products Up is preferable to apply processing to electronic documents.

Alternatively, the electronic document generation unit 2330 may include customer (member) information, migration fee information, expected withdrawal information, and collateral included in the multi-family remodeling business fund support personal loan product subscription information received through the information receiving unit 2315. The multi-family housing remodeling business fund support individual generates document content including at least one application information, and captures the document content in the image content (for example, the image content generated by capturing the document content on a memory). Generating image content including at least one or more information of customer (member) information, migration cost information, expected withdrawal information, and security application information included in the loan product subscription application information by a watermarking method, and the watermarking is included. A document file containing the captured image contents (e.g., a Portable Document Format (PDF) file, or EDI (Electronic) Data Interchange), a word processing file including at least one of HWP / DOC, or a web document file including MHT). Remodeling business fund support Personal loan product subscription application It is desirable to process electronic documents.

According to another exemplary embodiment of the present invention, the electronic document generation unit 2330 may include customer (member) information included in the application information for applying for subscription to the apartment remodeling business fund received through the information receiver 2315. Image content (eg, image content generated by capturing the document content on the memory) by generating document content including at least one of migration fee information, expected withdrawal information, and collateral application information, and capturing the document content. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) including the information on the application for subscribing to the multi-family housing remodeling business loan; To generate the word processing file or the web document file including the MHT). Be treated as public housing renovation project funded personal loan product subscription for the electronic document processing to output ligament support amount is preferable.

Alternatively, the electronic document generation unit 2330 may include customer (member) information, migration fee information, expected withdrawal information, and collateral included in the multi-family remodeling business fund support personal loan product subscription information received through the information receiving unit 2315. The multi-family housing remodeling business fund support individual generates document content including at least one application information, and captures the document content in the image content (for example, the image content generated by capturing the document content on a memory). Generating image content including at least one or more information of customer (member) information, migration cost information, expected withdrawal information, and security application information included in the loan product subscription application information by a watermarking method, and the watermarking is included. Image content and the application information for the loan application for personal loan product remodeling A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). By generating, it is preferable to process the migration fee and expected withdrawal as an electronic document for the application for subscription to the apartment housing remodeling business fund support personal loan product for processing as the personal loan support amount.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 2330 is the electronic housing remodeling business fund support personal loan product subscription application electronic document of the image file format and / or predetermined document file format You will be familiar with the technical features to create and the technical features of the file format for the image file and / or document file corresponding to the electronic housing remodeling business funds assistance personal loan product subscription application electronic document, detailed description thereof Omit for convenience.

The electronic document transmission unit 2335 is a system for opening an apartment housing remodeling business fund assistance personal loan product account application system for applying for the electronic housing remodeling business fund assistance personal loan product subscription application generated by the electronic document generator 2330; It is characterized in that the transmission to the predetermined electronic document storage to store.

As shown in FIG. 23, the electronic document repository includes a predetermined electronic document server 2360 connected to a financial institution server 2300 on a system for opening a multi-family house remodeling business fund support personal loan product account through a predetermined communication means. When provided externally, including an electronic document D / B 2380, the electronic document transmission unit 2335 is applied for subscription to the apartment housing remodeling business funds support personal loan product generated by the electronic document generation unit 2330 The electronic document is transmitted to the electronic document server 2360 through the communication means.

Here, when the electronic document server 2360 and the electronic document D / B (2380) is provided outside the system for remodeling business fund support personal loan product opening system, the electronic document server 2360 and the electronic Document D / B 2380 is preferably managed by an authorized agency.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the system for opening a multi-family housing remodeling business fund support personal loan product account, the electronic document transmission unit 2335 is the electronic document generation unit. The electronic document D / D corresponding to the electronic document storage on the DBMS provided in the multi-family remodeling business fund support personal loan product account opening system generated by the 2330. It is possible to store in B (2380), whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 2335 supports electronic document-related information (eg, the multi-family housing remodeling business funds) for generating predetermined electronic document management information in the electronic document server 2360. Customer (member) information transmitted by entering (selecting) the personal loan product subscription application information, and / or financial institution information transmitting the electronic housing remodeling business loan application electronic document, and / or the electronic document file. Format information, and / or the apartment housing remodeling business fund assistance personal loan product subscription information, etc.) may be transmitted to the electronic document repository, and the present invention is not limited thereto.

Referring to FIG. 23, the financial company server 2300 may request for the reinstatement of the apartment house remodeling business fund assistance personal loan product subscription received through the information receiver 2315 through the validity checker 2320. If the validity for processing the personal loan assistance amount is certified, the customer (member) information, migration fee information, expected withdrawal information, collateral application included in the apartment housing remodeling business funds support personal loan product subscription application information is validated An information generation unit 2340 for generating the financial account information based on the information; an account establishment unit 2345 for opening and processing a financial account of the customer (member) including the financial account information; In connection with the agreement and debt confirmation D / B (145, 845) to confirm the security agreement and debt confirmation information for the customer (member), the financial account information is Property is characterized by formed by having a geunjeodanggwon setting section 2350 to the processing prior to opening the financial account of the customer (members) name associated with the registry office system set up according to the Loan geunjeodanggwon performed.

When the validity of the multi-family remodeling business fund support personal loan product subscription application information is confirmed by the validity confirmation unit 2320, the information generation unit 2340 is the multi-family remodeling business fund support personal loan product subscription application information The financial account information is generated based on customer (membership) information, migration cost information, expected withdrawal information, and collateral application information included in the information.

Herein, the financial account information may include an account number and an interest rate information corresponding to the multi-family remodeling business fund support personal loan product account opened based on the multi-family remodeling business fund support personal loan product subscription application information. In addition, when the multi-family housing remodeling business fund support personal loan product account includes the savings attribute, it is preferable that the predetermined housing period, payment date and time and payment amount information is further included.

The account establishment unit 2345 generates a customer ledger including customer (member) information included in the application for opening a financial account in association with the financial system (or is matched with the customer (member)) information. Check the provided customer ledger information, generate predetermined account ledger information including the financial account information, and store the ledger information in a predetermined ledger associated with the customer ledger. In response to the application information for applying for private loan product subscription for the apartment remodeling business fund, a predetermined financial account for processing the main expenses and expected withdrawal as a personal loan support amount is opened.

According to an exemplary embodiment of the present invention, when the financial company server 2300 and the financial system exist in the same system, the account opening unit 2345 connects the financial account information to the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the financial institution server 2300 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 2345 may perform the communication through the predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

The base mortgage setting unit 2350 confirms collateral provision agreement and debt confirmation information for the customer (member) in association with the collateral provision agreement and debt confirmation D / B (145, 845), thereby generating the financial account information. And before opening the financial account in the name of the customer (union) is characterized in that it establishes a base mortgage in accordance with the loan enforcement in connection with the registry system.

According to the method of the present invention, the base mortgage setting unit 2350 confirms collateral provision agreement and debt confirmation information for the customer (member) in connection with the collateral provision agreement and debt confirmation D / B (145, 845). Thus, it is preferable to establish a base mortgage in accordance with the loan execution in connection with the registry system before the financial account information is generated and the financial account of the customer (member) is opened.

Referring to FIG. 23, the financial company server 2300 may request for the reinstatement of the apartment house remodeling business fund assistance personal loan product subscription received through the information receiver 2315 through the validity checker 2320. When the validity for processing the personal loan support amount is authenticated, the customer (member) information, loan approval amount information, and security setting information included in the apartment housing remodeling business fund support personal loan product subscription application information, which is certified as valid, An information storage unit 2355 for storing the at least one or more apartment housing remodeling business funds support personal loan product subscription information in a predetermined storage medium 2385 is characterized in that it comprises a.

When the validity of the multi-family remodeling business fund support personal loan product subscription application information is confirmed by the validity check unit 2320, the information storage unit 2355 is the multi-family remodeling business fund support personal loan product subscription application information Characterized in that the store (2385) is stored in the storage medium (2385) the subscription information for the apartment housing remodeling business fund support personal loan product including at least one of the customer (member) information, loan approval amount information, collateral setting information included in the; .

According to an exemplary embodiment of the present invention, when the storage medium 2385 is provided in the financial institution server 2300 or on the network associated with the financial institution server 2300, the information storage unit 2355 may be configured as the storage medium 2385. Multi-unit housing remodeling business fund support personal loan product subscription information including at least one or more of the customer (member) information, loan approval amount information, collateral setting information included in the application information subscription application information received It is preferable to store in the storage medium (2385).

According to another exemplary embodiment of the present invention, when the storage medium 2385 is provided in a DBMS provided on a financial system, the information storage unit 2355 may apply to receive the received apartment housing remodeling business fund support personal loan product. Apartment housing remodeling business fund support personal loan product subscription information including at least one of the customer (member) information, loan approval amount information, collateral setting information included in the information to provide information to the information system through the external system on the financial system It is desirable to store in a DBMS provided on the system.

Referring to FIG. 23, a predetermined apartment housing remodeling business fund support personal loan product subscription application electronic document is provided from the financial institution server 2300 provided on the system for opening a multi-family house remodeling business support personal loan product. The electronic document server 2360 that stores and manages the electronic document D / B 2380 in the electronic document D / B 2380 receives an electronic document subscription application electronic document subscription application from the financial institution server 2300 through a predetermined communication means. Generates predetermined electronic document management information for storing and managing the electronic document receiving unit 2365 and the electronic document D / B 2380 for receiving the electronic housing remodeling business fund support personal loan product subscription application electronic document. The information generation unit 2370 and the electronic document management information and the apartment housing remodeling business funds support personal loan product subscription application electronic text It is characterized in that it comprises an electronic document storage unit 2375 for processing the document in a predetermined electronic document D / B (2380).

The electronic document receiving unit 2365 may receive an electronic document subscription application electronic loan subscription application document in the form of an image file and / or a document file from the financial company server 2300 through the communication means.

According to the exemplary embodiment of the present invention, the electronic document receiving unit 2365 receives the electronic housing through the communication means for the apartment remodeling business fund support personal loan product subscription application, the financial company server 2300 the terminal device 2390 Document file (e.g., document content including at least one or more of the customer information (member of the union), migration costs information, expected withdrawal information, mortgage application information included in the apartment housing remodeling business funds support personal loan product subscription information received from) , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

Alternatively, the multi-family housing remodeling business funds support personal loan product subscription application electronic document received by the electronic document receiving unit 2365 through the communication means is the multi-family housing remodeling received by the financial company server 2300 from the terminal device 2390. Business Housing Support Remodeling Business Funding Supporting Personal Loan Products Subscription Information on document contents including at least one of customer (member) information, migration costs information, expected withdrawal information, and security application information included in the business loan assistance personal loan product subscription application information Document files (eg, document information including document content including the watermarking) after including at least one or more information (customer information), migration fee information, expected withdrawal information, collateral information included in the watermarking method (watermarking) , Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC It comprises a web page file, and so on) that include the word-processor file, or MHT containing one or more are preferred.

Alternatively, the multi-family housing remodeling business funds support personal loan product subscription application electronic document received by the electronic document receiving unit 2365 through the communication means is the multi-family housing remodeling received by the financial company server 2300 from the terminal device 2390. Image content (e.g., the document content) which captures document content including at least one of customer (member) information, migration cost information, expected withdrawal information, and collateral application information included in the business loan assistance personal loan product subscription application information. Preferably includes an image file including image content generated by capturing the image on a memory.

Alternatively, the multi-family housing remodeling business funds support personal loan product subscription application electronic document received by the electronic document receiving unit 2365 through the communication means is the multi-family housing remodeling received by the financial company server 2300 from the terminal device 2390. Image content (e.g., the document content) which captures document content including at least one of customer (member) information, migration cost information, expected withdrawal information, and collateral application information included in the business loan assistance personal loan product subscription application information. Image content generated by capturing the data in a memory) at least one of customer (member) information, migration fee information, expected withdrawal information, and collateral application information included in the apartment remodeling business fund support personal loan product subscription application information. After including in a watermarking method, the image content including the watermarking is included. It is preferable to include an image file.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 2365 receives the electronic housing through the communication means remodeling business funds support private loan product subscription application electronic document the financial company server 2300 the terminal device ( Capturing document contents including at least one of customer (member) information, migration cost information, expected withdrawal information, and collateral application information included in the apartment housing remodeling business fund assistance personal loan product subscription information received from 2390). A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing image content (eg, image content generated by capturing the document content on a memory). A word processor file including at least one or a web document file including an MHT). This is preferred.

Alternatively, the multi-family housing remodeling business funds support personal loan product subscription application electronic document received by the electronic document receiving unit 2365 through the communication means is the multi-family housing remodeling received by the financial company server 2300 from the terminal device 2390. Image content (e.g., the document content) which captures document content including at least one of customer (member) information, migration cost information, expected withdrawal information, and collateral application information included in the business loan assistance personal loan product subscription application information. Image content generated by capturing the data in a memory) at least one of customer (member) information, migration fee information, expected withdrawal information, and collateral application information included in the apartment remodeling business fund support personal loan product subscription application information. Create image content that includes a watermarking method, and the watermarking is performed. A document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing an image content, or a web document including an MHT. File).

According to another exemplary embodiment of the present invention, the electronic document receiving unit 2365 receives the electronic housing through the communication means remodeling business funds support personal loan product subscription application electronic document the financial company server 2300 the terminal device Capturing document contents including at least one of customer (member) information, migration cost information, expected withdrawal information, and collateral application information included in the apartment housing remodeling business fund assistance personal loan product subscription application information received from 2390. A predetermined document file (e.g., a Portable Document Format (PDF) file) containing an image content (e.g., image content generated by capturing the document content on a memory) and the apartment remodeling business funded personal loan product subscription information. Word Pro including at least one, or an Electronic Data Interchange (EDI) file, or HWP / DOC. It comprises a document file, or web page file, and so on) containing the MHT is preferred.

Alternatively, the multi-family housing remodeling business funds support personal loan product subscription application electronic document received by the electronic document receiving unit 2365 through the communication means is the multi-family housing remodeling received by the financial company server 2300 from the terminal device 2390. Image content (e.g., the document content) which captures document content including at least one of customer (member) information, migration cost information, expected withdrawal information, and collateral application information included in the business loan assistance personal loan product subscription application information. Image content generated by capturing the data in a memory) at least one of customer (member) information, migration fee information, expected withdrawal information, and collateral application information included in the apartment remodeling business fund support personal loan product subscription application information. Create image content that includes a watermarking method, and the watermarking is performed. At least one document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) including image content and application information for applying for private loan product subscription for the apartment remodeling business fund. Or a web document file including the MHT).

The information generating unit 2370 is a predetermined electronic document unique number (or unique information) to be assigned to the electronic housing remodeling business funds support personal loan product subscription application electronic document received through the electronic document receiving unit 2365, and the electronic Through the document receiving unit 2365, the date and time (or date and time when the electronic home remodeling business fund support personal loan product subscription application electronic document was received) was received. And generating electronic document management information including electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the information generation unit 2370 transmits the electronic house document remodeling business fund support personal loan product subscription application electronic document received through the electronic document receiving unit 2365, the financial company server 2300. It is preferable to check the financial institution that sent the electronic housing remodeling business funds assistance personal loan product subscription application electronic document with reference to, and to generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 2365 further receives a predetermined electronic document related information from the financial company server 2300, the information generating unit 2370 is the received electronic Document-related information (e.g., customer (member) information transmitted by inputting (selecting) the application information for applying for private loan product subscription for the apartment house remodeling business fund and / or the electronic document for applying for subscription to the apartment house remodeling business fund support) It is preferable to generate the electronic document management information further comprising the financial institution information, and / or electronic document file format information, and / or the apartment housing remodeling business funds support personal loan product subscription information, etc.).

The electronic document storage unit 2375 stores the electronic document management information generated through the apartment remodeling business fund assistance personal loan product subscription application received through the electronic document receiving unit 2365 and the information generating unit 2370. It is characterized by storing in a predetermined electronic document D / B (2380).

According to an exemplary embodiment of the present invention, the electronic document storage unit 2375 remodeling business funds support private loan product subscription application electronic document stored in the electronic document D / B (2380) is the financial company server (2300) Document content including at least one of customer (membership) information, migration fee information, expected withdrawal information, collateral application information included in the public housing remodeling business fund support personal loan product subscription application information received from the terminal device 2390 A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the electronic company storage unit 2375 stores the electronic document D / B 2380 in the multi-family housing remodeling business fund support personal loan product subscription application electronic document of the financial company server 2300 of the terminal device 2390. Apartment housing remodeling business fund support received from the apartment housing remodeling business fund support to the document content including at least one customer (membership) information, migration costs information, expected withdrawal information, collateral application information included in the application information After at least one of the customer (member) information, migration cost information, expected withdrawal information, collateral application information included in the personal loan product subscription application information by the watermarking method, the document content including the watermarking is included. Document files (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, HWP / DOC, etc.) are included. Also preferably it comprises a web page file, and so on) that include the word-processor file, or MHT comprising one or more than one.

Alternatively, the electronic company storage unit 2375 stores the electronic document D / B 2380 in the multi-family housing remodeling business fund support personal loan product subscription application electronic document of the financial company server 2300 of the terminal device 2390. Image recapture of document contents including at least one of customer (member) information, migration fee information, expected withdrawal information, and collateral application information included in the application information for the apartment housing remodeling business loan received from the private loan product subscription information. Preferably, the image file includes an image file including image content generated by capturing the document content on a memory.

Alternatively, the electronic company storage unit 2375 stores the electronic document D / B 2380 in the multi-family housing remodeling business fund support personal loan product subscription application electronic document of the financial company server 2300 of the terminal device 2390. Image recapture of document contents including at least one of customer (member) information, migration fee information, expected withdrawal information, and collateral application information included in the application information for the apartment housing remodeling business loan received from the private loan product subscription information. (E.g., image content generated by capturing the document content on a memory) among the customer (members) information, migration fee information, expected withdrawal information, and collateral application information included in the apartment remodeling business fund support personal loan product subscription application information. After including at least one or more information in a watermarking manner, the image content including the watermarking is included. It is preferable to include the image file included.

According to another exemplary embodiment of the present invention, the electronic document storage unit 2375 stores the electronic document D / B 2380 in the multi-family housing remodeling business fund assistance personal loan product subscription application electronic document is the financial company server 2300 Document content including at least one of (customer) information, migration fee information, expected withdrawal information, collateral application information included in the multi-family remodeling business funds support personal loan product subscription application information received from the terminal device 2390 A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content captured by capturing the image content (e.g., image content generated by capturing the document content on a memory). , Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is preferred.

Alternatively, the electronic company storage unit 2375 stores the electronic document D / B 2380 in the multi-family housing remodeling business fund support personal loan product subscription application electronic document of the financial company server 2300 of the terminal device 2390. Image recapture of document contents including at least one of customer (member) information, migration fee information, expected withdrawal information, and collateral application information included in the application information for the apartment housing remodeling business loan received from the private loan product subscription information. (E.g., image content generated by capturing the document content on a memory) among the customer (members) information, migration fee information, expected withdrawal information, and collateral application information included in the apartment remodeling business fund support personal loan product subscription application information. Generate image content including at least one or more information in a watermarking manner, and the watermarking A document file including an image content included (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including an MHT). Document files).

According to another exemplary embodiment of the present invention, the electronic document storage unit 2375 stores the electronic document D / B 2380 in the apartment remodeling business fund support personal loan product subscription application electronic document is the financial company server ( Document that includes at least one customer (member) information, migration costs information, expected withdrawal information, collateral application information included in the apartment housing remodeling business funds support personal loan product subscription application information received from the terminal device 2390 2300 Predetermined document files (e.g., PDFs) including captured image contents (e.g., image contents generated by capturing the document contents on a memory) and the apartment remodeling business fund support personal loan product subscription information. (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP or DOC including at least one or more It comprises a processor file, or web page file containing the MHT, etc.) are preferred.

Alternatively, the electronic company storage unit 2375 stores the electronic document D / B 2380 in the multi-family housing remodeling business fund support personal loan product subscription application electronic document of the financial company server 2300 of the terminal device 2390. Image recapture of document contents including at least one of customer (member) information, migration fee information, expected withdrawal information, and collateral application information included in the application information for the apartment housing remodeling business loan received from the private loan product subscription information. (E.g., image content generated by capturing the document content on a memory) among the customer (members) information, migration fee information, expected withdrawal information, and collateral application information included in the apartment remodeling business fund support personal loan product subscription application information. Generate image content including at least one or more information in a watermarking manner, and the watermarking At least a document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including image content included in the multi-unit housing remodeling business loan support subscription information. And at least one word processor file or web document file including MHT).

According to the implementation method of the present invention, the electronic document storage unit 2375 manages the electronic document stored in the electronic document D / B (2380) by processing in connection with the electronic document remodeling business funds support personal loan product subscription application electronic document The information may include a predetermined electronic document unique number (or unique information) assigned to the electronic document for applying for the private loan product subscription application for the multi-family house remodeling and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document storage unit 2375 stores the electronic document D / B 2380 in association with the electronic document remodeling business fund support personal loan product subscription application electronic document. The management information is financed by transmitting the electronic home remodeling business funds assistance personal loan product subscription application electronic document confirmed with reference to the financial institution server (2300) that sent the electronic housing remodeling business funds support personal loan product subscription application electronic document It is preferable that the information is further included.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the financial company server 2300, the electronic document storage unit 2375 may apply to subscribe to the apartment housing remodeling business fund support personal loan product. The electronic document management information stored in the electronic document D / B 2380 in association with an electronic document is stored in the electronic document related information (for example, the application for subscription of subscription information for the home loan remodeling business funds) Customer information, and / or financial institution information for transmitting the electronic housing remodeling business funds assistance personal loan product subscription application electronic document, and / or electronic document file format information, and / or the public housing. Remodeling business funds support personal loan product subscription information, etc.) is preferably made further.

24 is a storage medium 2385 storing multi-unit remodeling business fund assistance personal loan product subscription information corresponding to a multi-family remodeling business fund assistance personal loan product account opened in a non-face-to-face manner according to an embodiment of the present invention. A diagram illustrating an implementation method included in a DBMS on a financial system.

In more detail, FIG. 24 shows that when the storage medium 2385 shown in FIG. 23 is the ledger D / B 2400 of the DBMS on the financial system, or is provided in the ledger D / B 2400. As the information structure of an embodiment of the method for storing the multi-unit housing remodeling business fund support personal loan product subscription information in the ledger information provided in the ledger D / B 2400, the general knowledge in the technical field to which the present invention belongs If you have a person, it will be able to infer a variety of information configuration methods for storing the apartment housing remodeling business fund support personal loan product subscription information in the ledger D / B 2400 by referring to and / or modified in this figure 24, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in this figure.

Referring to FIG. 24 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 2400 provided in a DBMS on a financial system includes a predetermined ledger (member) and a ledger (customer). It is illustrated that the account ledger corresponding to the financial account opened through the system for opening a multi-unit house remodeling business fund support personal loan product shown in FIG. 23 and at least one information associated with the account ledger. If one of ordinary skill in the art belongs to the ledger D / B 2400 provided in the DBMS on the financial system, at least one ledger other than the customer (member union) ledger and account ledger shown in this figure 24 (Eg, a ledger, loan ledger, security ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers. A will appreciated Obviously, also for this group because it will be familiar to the specific technical aspects, a detailed description thereof will be omitted for convenience.

The head of the customer (member), CIF (Customer Information File) number, country code, contact person ID, branch number, customer (member) member classification, customer (member) member name, customer (member) member address, region identification code, telephone number, business place No., Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW , DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The director of the customer (member) includes ledger information for the customer (member) including at least one of individual customers (members), corporate customers (members), minors and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer (member) ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is associated with the customer (member union) ledger relationally, and as a ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate , Password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction It includes at least one of the number, interest accounting system, whether or not the balance is linked, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation. At least one of: periodic reception information including at least one of a period (days), a period extension, an expiration date, and a target amount; and / or an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information including one or more, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, It includes transaction history information including at least one of a date of origin, a bank account line, a brief summary, and a CIF.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 24 in which the storage medium 2385 is the ledger D / B 2400 or the implementation method provided in the ledger D / B 2400, according to one embodiment of the present invention, The customer (member) information and loan approval amount information and collateral setting included in the MDU remodeling business fund support personal loan product subscription application information provided through the MDU remodeling business fund support personal loan product opening system shown in FIG. 23. The multi-unit housing remodeling business fund support personal loan product subscription information including at least one information may be stored in the form of additional information added to the account ledger.

The relocation fee information is provided to the customer (union) who applied to join the apartment remodeling business fund support personal loan product, and the amount to be loaned to move to another place during the remodeling period of the apartment house owned by the customer (union). It is preferable to mean the amount of money information, and when the remodeling of the apartment is completed, it is preferable to immediately repay the amount of money generated by the customer (members) moving back to where the remodeling is completed, the intention and purpose of those skilled in the art It may be changed according to.

The expected withdrawal information includes an amount borrowed as collateral prior to the remodeling of the apartment house owned by the customer (member) for the customer (member) who applied to join the apartment housing remodeling business fund support personal loan product. It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The mortgage request information is for the customer (union member) who applied to join the apartment remodeling business fund support personal loan product, the completion date information, area information, unit price information, number of households for the apartment house owned by the customer (union member) It is preferable to include at least one information, it may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information of the customer (member), such as the name of the customer (member), social security number, address, telephone number, mobile phone number, e-mail address, etc., and member information of the customer (member) ( For example, in response to the customer (member) by joining the customer (member) as a financial transaction customer (member) of the financial institution, the financial system associated with the apartment remodeling business fund support personal loan product account opening system. It is preferable to include at least one member ID information, or CIF (Customer Information File) number and the like provided in the customer (member union) ledger provided in the.

The loan approval amount information is for the customer (union) who applied to join the apartment housing remodeling business fund support personal loan product, the migration cost information and expected withdrawal information included in the apartment housing remodeling business fund support personal loan product subscription application information. It is preferable to include the amount of information calculated in connection with the mortgage maintenance rate, and may be changed according to the intention and purpose of those skilled in the art.

The mortgage setting information is for the customer (member) who applied to join the apartment remodeling business fund support personal loan product, and the collateral included in the apartment house remodeling business fund support personal loan product subscription application information provided by the customer (member). Corresponding to the application information, it is preferable that the security is set in association with a predetermined registry system, and the information on the security setting is included, and may be changed according to the intention and purpose of those skilled in the art.

According to another exemplary embodiment of the present invention, the apartment house remodeling business fund support personal loan product subscription application information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger. (Eg, additional information added to the customer (member) ledger), and / or in the form of a separate independent ledger in addition to the account ledger can be all, and the present invention is not limited thereby.

25 is a storage medium 2505 for storing multi-unit housing remodeling business fund assistance personal loan product subscription information corresponding to a multi-family remodeling business fund assistance personal loan product account opened in a non-face-to-face manner according to another embodiment of the present invention. Is a diagram showing an implementation method including a database associated with the ledger D / B 2500 provided in a DBMS on a financial system.

More specifically, FIG. 25 shows an information structure of an exemplary method in which the storage medium 2385 shown in FIG. 23 includes a predetermined database linked to a ledger D / B 2500 provided in a DBMS on a financial system. As shown in the drawings, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 25 and add the subscription information of the multi-unit housing remodeling business fund assistance personal loan product to a predetermined database. It is possible to infer various information configuration methods for storing in association with / B (2500), but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, FIG. 25 is a case where it is not easy to store the subscription information of the apartment remodeling business fund support personal loan product in the ledger information of the ledger D / B 2500 on the DBMS provided on the financial system (eg, financial In the policy of the institution, it is not easy to change the ledger D / B 2500 of the DBMS, or the system expansion is not easy due to the characteristics of the financial system). Apartment housing remodeling fund support The personal loan product subscription information is stored, and the database and the ledger D / B (2500) is shown an implementation method for storing the linked processing.

In addition, the database shown in FIG. 25 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 25, and a database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 25, the storage medium 2505 includes a database associated with a ledger D / B 2500 provided in a DBMS on a financial system. Remodeling business fund support Personal loan product subscription information included in the application information (Loan member), loan approval amount information, security setting information included in the application information for personal homes remodeling business fund support personal loan product subscription information is stored. The CIF number corresponding to the ledger information in the multi-family home remodeling business funds assistance personal loan product subscription information to be processed in connection with the ledger D / B (2500) It is preferred to further comprise a.

The relocation fee information is provided to the customer (union) who applied to join the apartment remodeling business fund support personal loan product, and the amount to be loaned to move to another place during the remodeling period of the apartment house owned by the customer (union). It is preferable to mean the amount of money information, and when the remodeling of the apartment is completed, it is preferable to immediately repay the amount of money generated by the customer (members) moving back to where the remodeling is completed, the intention and purpose of those skilled in the art It may be changed according to.

The expected withdrawal information includes an amount borrowed as collateral prior to the remodeling of the apartment house owned by the customer (member) for the customer (member) who applied to join the apartment housing remodeling business fund support personal loan product. It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The mortgage request information is for the customer (union member) who applied to join the apartment remodeling business fund support personal loan product, the completion date information, area information, unit price information, number of households for the apartment house owned by the customer (union member) It is preferable to include at least one information, it may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information of the customer (member), such as the name of the customer (member), social security number, address, telephone number, mobile phone number, e-mail address, etc., and member information of the customer (member) ( For example, in response to the customer (member) by joining the customer (member) as a financial transaction customer (member) of the financial institution, the financial system associated with the apartment remodeling business fund support personal loan product account opening system. It is preferable to include at least one member ID information, or CIF (Customer Information File) number and the like provided in the customer (member union) ledger provided in the.

The loan approval amount information is for the customer (union) who applied to join the apartment housing remodeling business fund support personal loan product, the migration cost information and expected withdrawal information included in the apartment housing remodeling business fund support personal loan product subscription application information. It is preferable to include the amount of information calculated in connection with the mortgage maintenance rate, and may be changed according to the intention and purpose of those skilled in the art.

The mortgage setting information is for the customer (member) who applied to join the apartment remodeling business fund support personal loan product, and the collateral included in the apartment house remodeling business fund support personal loan product subscription application information provided by the customer (member). Corresponding to the application information, it is preferable that the security is set in association with a predetermined registry system, and the information on the security setting is included, and may be changed according to the intention and purpose of those skilled in the art.

FIG. 26 is a storage medium for storing multi-unit remodeling business fund support personal loan product subscription information corresponding to a multi-family remodeling business fund support personal loan product account opened in a non-face-to-face manner according to another exemplary embodiment of the present invention. ) Is a view showing an implementation method including a DBMS provided in the banking server.

In more detail, FIG. 26 shows that the storage medium 2385 shown in FIG. 23 includes predetermined banking provided on an internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains are provided in at least one banking server by referring to and / or modifying the present invention. Although it may be possible to infer a method of constructing information on multi-unit housing remodeling business funds support personal loan product subscription information stored in a predetermined DBMS, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. 26. It is not limited to only.

According to another embodiment of the present invention, the storage medium 2505 includes a DBMS provided in a banking server. Referring to FIG. 26, a predetermined DBMS provided in the banking server may be used to fund the apartment remodeling business. Characterized in that the information stored in the apartment housing remodeling business funds support personal loan product subscription information including at least one of the customer (member) information, loan approval amount information, collateral setting information included in the support personal loan product subscription application information.

The relocation fee information is provided to the customer (union) who applied to join the apartment remodeling business fund support personal loan product, and the amount to be loaned to move to another place during the remodeling period of the apartment house owned by the customer (union). It is preferable to mean the amount of money information, and when the remodeling of the apartment is completed, it is preferable that the customer (union member) immediately repays the money generated by relocating to the place where the remodeling is completed, It may be changed depending on the purpose.

The expected withdrawal information includes an amount borrowed as collateral prior to the remodeling of the apartment house owned by the customer (member) for the customer (member) who applied to join the apartment housing remodeling business fund support personal loan product. It is preferred, and may be changed according to the intention and purpose of those skilled in the art.

The mortgage request information is for the customer (union member) who applied to join the apartment remodeling business fund support personal loan product, the completion date information, area information, unit price information, number of households for the apartment house owned by the customer (union member) It is preferable to include at least one information, it may be changed according to the intention and purpose of those skilled in the art.

The customer (member) information includes personal information of the customer (member), such as the name of the customer (member), social security number, address, telephone number, mobile phone number, e-mail address, etc., and member information of the customer (member) ( For example, in response to the customer (member) by joining the customer (member) as a financial transaction customer (member) of the financial institution, the financial system associated with the apartment remodeling business fund support personal loan product account opening system. It is preferable to include at least one member ID information, or CIF (Customer Information File) number and the like provided in the customer (member union) ledger provided in the.

The loan approval amount information is for the customer (union) who applied to join the apartment housing remodeling business fund support personal loan product, the migration cost information and expected withdrawal information included in the apartment housing remodeling business fund support personal loan product subscription application information. It is preferable to include the amount of information calculated in connection with the mortgage maintenance rate, and may be changed according to the intention and purpose of those skilled in the art.

The mortgage setting information is for the customer (member) who applied to join the apartment remodeling business fund support personal loan product, and the collateral included in the apartment house remodeling business fund support personal loan product subscription application information provided by the customer (member). Corresponding to the application information, it is preferable that the security is set in association with a predetermined registry system, and the information on the security setting is included, and may be changed according to the intention and purpose of those skilled in the art.

27A and 27B are diagrams illustrating a process of opening a multi-family remodeling business fund support personal loan product account for processing a migration fee and an expected withdrawal amount as a personal loan support amount in a non-face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, in FIG. 27A and FIG. 27B, the terminal device 2390 on the system for opening a multi-family house remodeling business fund support personal loan product account shown in FIG. 23 is a client terminal, and the financial institution server 2300 is a predetermined network means. In the case where the client terminal has a web server function that can be accessed through a client, a predetermined customer (member) opens a multi-unit housing remodeling business fund support personal loan product account for processing the migration cost and expected withdrawal as the personal loan support amount. To provide the apartment housing remodeling business funds support personal loan product subscription application information including at least one of customer (members) information, migration costs information, expected withdrawal information, collateral application information through the client terminal, the apartment remodeling business funds Support customer information (members) in the account opening system, Multi-family housing remodeling business including at least one migration information, expected withdrawal information, collateral application information Supporting the apartment housing remodeling project for processing the migration costs and expected withdrawal as the amount of personal loan support based on the application information for private loan product subscription The present invention relates to an implementation method of opening a funded personal loan product account. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 27a and 27b. Although various implementation methods for registering the apartment housing remodeling business fund support personal loan product subscription application information with the server 2300 may be inferred, the present invention includes all the implementation methods inferred from the figures 27a and 27b. It is not limited to the implementation method shown by.

For example, the implementation method illustrated in FIGS. 27A and 27B includes a process of generating a predetermined electronic document corresponding to the apartment remodeling business fund assistance personal loan product subscription application information and storing the electronic document in an electronic document repository. The above process may be omitted according to the intention of those skilled in the art, and thus the present invention is not limited.

In addition, in the implementation method illustrated in FIGS. 27A and 27B, the financial institution server 2300 may provide a user interface for the client terminal to input (or select) the subscription information of the apartment remodeling business fund support personal loan product. Although illustrated as being provided through a predetermined web page, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 2300, whereby the present invention is provided. It is not limited.

Hereinafter, in FIGS. 27A and 27B, the client terminal illustrated in FIG. 23 is referred to as a “terminal” for convenience, and the financial institution server 2300 illustrated in FIG. 23 is referred to as a “server” for convenience. The customer (member) information, migration cost information, expected withdrawal information, collateral application information transmitted to the financial company server (2300) is referred to as "community housing remodeling business funds support personal loan product subscription application information" for convenience.

Referring to FIGS. 27A and 27B, when the client terminal illustrated in FIG. 23 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the migration cost And requesting a web page including a user interface for processing an expected withdrawal as a personal loan support amount (2700), in response, the server sends the customer (member) information, migration fee information, expected withdrawal information, and collateral application information. For inputting (or selecting) the application information for applying for the private loan product for the apartment remodeling business fund including at least one or more to transmit the information to the server Generate a web page including a user interface (or extract), and 2705, and outputs to send the web page containing the created user interface (or extraction) via the network means to the mobile station (2710).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the registration procedure for registering for the application information for loan application for personal apartment remodeling business fund. The present invention is not limited thereby.

Subsequently, the terminal inputs application information for subscription to the apartment housing remodeling business funds including at least one or more customer (members) information, migration fee information, expected withdrawal information, and collateral application information through a user interface included in the web page. (Or select) 2715.

If the terminal inputs (or selects) application information for joining the apartment remodeling business fund support personal loan product including the customer (membership) information, migration cost information, expected withdrawal information, and collateral application information through the user interface (2720) The terminal transmits the input (or selected) customer (membership) information, migration fee information, expected withdrawal information, and collateral application information to the server through the communication channel (2725).

According to the implementation method of the present invention, the terminal includes at least one or more of the customer (union) information, migration cost information, expected withdrawal information, collateral application information, remodeling business funds support personal loan product subscription application information in the server At least an OTP code generated through a predetermined password and / or security card information and / or a predetermined one-time password (OTP) generator for verifying the validity of the apartment housing remodeling business fund assistance personal loan product subscription application information Preferably, at least one further transmission to the server via the network means.

According to the implementation method of the present invention, the terminal includes at least one or more information on the application for joining the apartment remodeling business fund support personal loan product including at least one or more of the customer (member) information, migration cost information, expected withdrawal information, and security application information. Encrypt using an encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or remodel the apartment It is preferable to attach a predetermined electronic signature to the application funds application information subscription application information and to transmit to the server through the network means, for which the terminal has at least one encryption key corresponding to the encryption method or , And / or any authorized person that includes at least one encryption key If a certificate is provided, and / or if the certificate is provided on a predetermined IC chip (or IC card), it is preferable that a card reader is provided for checking the certificate of authentication provided in the IC chip (or IC card). .

According to the implementation method of the present invention, the terminal includes at least one or more information on the application for joining the apartment remodeling business fund support personal loan product including at least one or more of the customer (member) information, migration cost information, expected withdrawal information, and security application information. Encryption by encryption method (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) to the server via the network means. Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certification. If a certificate is provided on a predetermined IC chip (or IC card), the IC chip (or IC card) It will be equipped with a card reader for identifying a bidoen certificate is preferred.

Those skilled in the art to which the present invention pertains, technical features of the various encryption schemes for encrypting the application information for applying for private loan remodeling business funding remodeling business, and the personal loan product for remodeling business funding remodeling business Since you will be familiar with the technical features of attaching a predetermined electronic signature to the subscription application information, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer (member) information, migration fee information, expected withdrawal information, and collateral application information through the communication channel, and confirms the validity of the application information for applying for subscription to the apartment remodeling business fund. (2730).

According to an embodiment of the present invention, the apartment house remodeling business funds support personal loan product subscription application information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope) Based encryption method, and / or key exchange based encryption method), the server may include at least one decryption method corresponding to the encryption method. For example, a symmetric key based decryption scheme, and / or a public key based decryption scheme, and / or an electronic envelope based decryption scheme, and / or a key exchange based decryption scheme. It is desirable to verify the validity of the loan application information.

Alternatively, when a predetermined electronic signature is attached to the apartment housing remodeling business funds assistance personal loan product subscription application information, the server checks the electronic signature attached to the apartment housing remodeling business funds assistance personal loan product subscription application information, It is preferable to authenticate the validity of the received information for applying for subscription to the apartment housing remodeling business funds.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted multi-family remodeling business fund support private loan product subscription application information, and the multi-family remodeling business fund support individual You will be familiar with the technical features of verifying the electronic signature attached to the loan application information, so a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the multi-family remodeling business fund support personal loan product subscription information received through the information receiving unit 2315 for checking the validity of the multi-family remodeling business fund support personal loan product subscription application information If a predetermined password is further included, the server compares the received password included in the apartment remodeling business fund support personal loan product subscription application information with the password provided corresponding to the customer (member) on the DBMS and By authenticating, it is preferable to authenticate the validity of the received apartment housing remodeling business fund assistance personal loan product subscription information.

Alternatively, predetermined security card information for confirming the validity of the multi-family remodeling business fund support personal loan product subscription application information to the multi-family remodeling business fund support personal loan product subscription application information received through the information receiver 2315. Is further included, the server compares the security card information received in response to the customer (member) on the DBMS with the received security card information included in the apartment remodeling business funds support personal loan product subscription application information And by authenticating, it is preferable to authenticate the validity of the received apartment housing remodeling business funds assistance personal loan product subscription application information.

Alternatively, a predetermined OTP code for checking the validity of the multi-family remodeling business funds assistance personal loan product subscription application information is received in the multi-family remodeling business funds assistance personal loan product subscription application information received through the information receiver 2315. If further included, the server is based on the received OTP code included in the apartment remodeling business fund support personal loan product subscription application information and the predetermined OTP generation information provided corresponding to the customer (members) on the DBMS By comparing and authenticating the generated OTP code, it is preferable to authenticate the validity of the received application information for the loan application for the remodeling of the apartment house remodeling business.

According to the implementation method of the present invention, the validity of the application information for applying for private loan product remodeling business loan remodeling business remodeling business fund support personal loan products in the financial system linked to the accounting system for opening a personal loan product account (D / B) It is preferable that the method comprises the step (2) to check whether at least one or more ledger information is matched with the information for applying for subscription to the apartment housing remodeling business funds.

In addition, the verification of the validity of the application information subscription application information for the apartment housing remodeling business fund support is the mortgage agreement and debt confirmation D / B (145, 845) associated with the system for opening the account remodeling business funds support personal loan products It is preferable to include a) check whether the at least one mortgage agreement and debt confirmation information is matched with the apartment housing remodeling business fund support personal loan product subscription application information is registered.

For example, checking the validity of the information for applying for private loan product subscription application for the apartment remodeling business fund may include checking the customer (member) information (customer (member)) among the information included in the apartment remodeling business fund support personal loan product subscription application information. Personal information, member information, etc.) is matched with the customer (member) ledger stored in the ledger D / B (2500) on the financial system associated with the apartment remodeling business fund support personal loan product account opening system It is preferable to make it.

In addition, the verification of the validity of the information for applying for private loan product subscription application for rehabilitation of the multi-family housing remodeling business is, among the information included in the application for subscribing to the private loan product subscription information for the multi-family housing remodeling business, the application information for the mortgage remodeling business fund And confirming whether the security agreement and the security confirmation agreement on the debt confirmation information registration system associated with the support personal loan product account opening system match the information on the security agreement agreement stored in the debt confirmation D / B (145, 845). It is preferable.

If the validity of the apartment housing remodeling business fund assistance personal loan product subscription application information is not authenticated (2735), the server generates a web page including predetermined financial account error information and transmits it to the terminal (2740). However, it does not perform the procedure for opening the apartment remodeling business fund support personal loan product account.

On the other hand, if the validity of the apartment home remodeling business fund support personal loan product subscription application information is verified (2735), the server includes at least one customer (member) including the apartment home remodeling business fund support private loan product subscription application information. Generates predetermined document content including information, migration cost information, expected withdrawal information, and collateral application information (2745), and generates a predetermined multi-family remodeling business fund support personal loan product subscription application electronic document including the document content. (2750).

According to an exemplary embodiment of the present invention, the server includes at least one customer (member) information, migration fee information, expected withdrawal information, and collateral application information included in the received apartment housing remodeling business fund support personal loan product subscription application information. A word processor file generating document content including the document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. , Or a web document file including an MHT) is preferably processed as an electronic document for applying for a subscription to a multi-family housing remodeling business fund for the processing of the migration fee and the expected withdrawal amount as a personal loan support amount.

Alternatively, the server generates document content including at least one of customer (membership) information, migration fee information, expected withdrawal information, and collateral application information included in the received MDU subscription support information. And watermarking information on at least one of customer (member) information, migration cost information, expected withdrawal information, and collateral application information included in the multi-unit housing remodeling business fund assistance personal loan product subscription application information in the document content. A word processor including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including document contents including the watermarking after being included. Files, or web document files containing MHT), the migration fee and expected withdrawal will be treated as personal loan assistance. It is advisable to use electronic documents to apply for private loan products.

Alternatively, the server generates document content including at least one of customer (membership) information, migration fee information, expected withdrawal information, and collateral application information included in the received MDU subscription support information. And an apartment file for processing the migration fee and the expected withdrawal as a personal loan support amount for an image file including the image content captured by the document content (eg, the image content generated by capturing the document content on a memory). Remodeling business fund support Personal loan product subscription application It is desirable to process electronic documents.

Alternatively, the server generates document content including at least one of customer (membership) information, migration fee information, expected withdrawal information, and collateral application information included in the received MDU subscription support information. And customer (member) information included in the application information for applying for subscription to the multi-family house remodeling business fund to the image content captured by the document content (for example, image content generated by capturing the document content on a memory). After including at least one or more information, such as migration fee information, expected withdrawal information, collateral information in a watermarking (Watermarking) method, an image file including the image content including the watermarking support the personal expenses for the migration fee and expected withdrawal Apartment financing remodeling business fund support personal loan product for processing by amount It is preferable to apply processing to the input digital document.

According to another exemplary embodiment of the present invention, the server includes at least one of customer (membership) information, migration fee information, expected withdrawal information, and collateral application information included in the received MDU support personal loan product subscription application information. A predetermined document file (for example, PDF (Portable Document)) including document content including the above-described document content and image content (eg, image content generated by capturing the document content on a memory) is captured. Format files, EDI (Electronic Data Interchange) files, word processor files including at least one or more of HWP / DOC, or web document files including MHT). Apartment Housing Remodeling Business Fund Support for Personal Loan Products It is preferable.

Alternatively, the server generates document content including at least one of customer (membership) information, migration fee information, expected withdrawal information, and collateral application information included in the received MDU subscription support information. And customer (member) information included in the application information for applying for subscription to the multi-family house remodeling business fund to the image content captured by the document content (for example, image content generated by capturing the document content on a memory). A document file (eg, PDF) including image content including watermarking, at least one or more of migration fee information, expected withdrawal information, and security application information by a watermarking method; (Portable Document Format) files, EDI (Electronic Data Interchange) files, or HWP / DOC By generating a word processor file including one or more, or a web document file including an MHT), the apartment housing remodeling business funds support personal loan product subscription application electronic document for processing the migration fee and expected withdrawal as the personal loan support amount It is preferable to treat with.

According to another exemplary embodiment of the present invention, the server may include at least customer (member) information, migration fee information, expected withdrawal information, and collateral application information included in the received MDU support personal loan product subscription application information. Create document content including one or more, and the image content (e.g., image content generated by capturing the document content on the memory) and the apartment housing remodeling business funds support private loan product subscription application A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. By creating a file, etc.) Tax Remodeling Business Fund Support Personal loan product subscription application It is desirable to process electronic documents.

Alternatively, the server generates document content including at least one of customer (membership) information, migration fee information, expected withdrawal information, and collateral application information included in the received MDU subscription support information. And customer (member) information included in the application information for applying for subscription to the multi-family house remodeling business fund to the image content captured by the document content (for example, image content generated by capturing the document content on a memory). Generating image content including at least one or more information of migration fee information, expected withdrawal information, and collateral application information by a watermarking method, and the image content including the watermarking and the apartment remodeling business fund support personal loan. Document file containing the product subscription request information (e.g. PDF (Portable Docum) create an ent Format file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the apartment housing remodeling business fund support personal loan product subscription application electronic document for processing as the loan support amount.

If the person skilled in the art to which the present invention belongs, the technical features that the server generates the electronic housing remodeling business funds support personal loan product subscription application electronic document in the image file format and / or predetermined document file format, Since the technical features of the file format for the image file and / or the document file corresponding to the electronic housing remodeling business fund assistance personal loan product subscription application electronic document will be familiar with, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic housing remodeling business fund assistance personal loan product subscription application electronic document in a predetermined electronic document storage (2755).

As shown in FIG. 23, the electronic document repository is connected to a server on the multi-family remodeling business fund support personal loan product account opening system with a predetermined electronic document server 2360 and electronic document D / When provided to the outside, including the B (2380), the server transmits the generated electronic housing remodeling business funds support personal loan product subscription application electronic document to the electronic document server 2360 through the communication means It is preferable to store it in the electronic document D / B 2380.

Or, if the electronic document storage is provided on the DBMS provided in the system for remodeling business fund support personal loan product opening system, the server is the electronic housing remodeling business fund support personal loan product subscription application electronic document generated It can be stored in the electronic document D / B (2380) corresponding to the electronic document storage on the DBMS provided in the apartment remodeling business funds support personal loan product account opening system, by which the present invention is not limited.

According to the implementation method of the present invention, the electronic housing remodeling business fund support personal loan product subscription application electronic document storage in the electronic document storage, the generated multi-family remodeling business fund support personal loan product subscription application electronic document and predetermined And linking the electronic document management information to the electronic document D / B 2380 shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the electronic housing remodeling business fund support personal loan product subscription application electronic document and the electronic document storage date and time information. Do.

The electronic document management information may further include financial institution information that transmits the electronic housing remodeling business fund assistance personal loan product subscription application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer (member) information transmitted by inputting (selecting) the application information for applying for private loan product subscription for the apartment house remodeling business fund) and / or the apartment house. Financial institution information for transmitting the electronic document, and / or electronic document file format information, and / or the information for applying for the loan for the private house remodeling business for remodeling business remodeling; It is preferable.

If the electronic document is stored in the electronic housing remodeling business fund support personal loan product subscription application (2760), the server is a customer (members) included in the apartment remodeling business funds support personal loan product subscription application information. The financial account information is generated based on the information, the migration cost information, the expected withdrawal information, and the security application information (2765).

Herein, the financial account information may include an account number and an interest rate information corresponding to the multi-family remodeling business fund support personal loan product account opened based on the multi-family remodeling business fund support personal loan product subscription application information. In addition, when the multi-family housing remodeling business fund support personal loan product account includes the savings attribute, it is preferable that the predetermined housing period, payment date and time and payment amount information is further included.

Thereafter, the server is linked to the financial system based on the customer (member) information, migration cost information, expected withdrawal information, and collateral application information included in the apartment remodeling business fund support personal loan product subscription information in connection with the financial system. A financial account in the name of the customer (member) including the information is opened (2770).

According to an embodiment of the present invention, the server creates a customer ledger including customer (member) information included in the application for opening a financial account in association with the financial system (or the member (member)) and Check the customer ledgers (members) that are already matched and generated; and generate predetermined account ledger information including the financial account information, and then add the account ledger information to a predetermined account ledger associated with the customer (member) ledger. By storing the, it is characterized in that for opening the predetermined financial account for processing the migration fee and expected withdrawal as the personal loan support amount corresponding to the apartment housing remodeling business fund support personal loan product subscription application information.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the financial account information in the ledger D / B 2500 in association with the financial system. It is desirable to produce.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 2500 on the financial system to generate a predetermined ledger including the financial account information.

Subsequently, the server remodeling business capital support personal loan including at least one or more of the customer (member) information, loan approval amount information, collateral setting information included in the information for applying for private loan product remodeling business loan remodeling business apartment remodeling The product subscription information is generated and stored in the predetermined storage medium 2505 (2775).

According to an exemplary embodiment of the present invention, when the storage medium 2505 is provided in the server or on a network associated with the server, the server requests to subscribe to the received multi-family remodeling business fund support personal loan product. Preferably, the storage medium 2505 stores the information related to the apartment remodeling business fund support personal loan product including at least one of the customer (member) information, loan approval amount information, and security setting information included in the information.

According to another exemplary embodiment of the present invention, when the storage medium 2505 is provided in a DBMS provided on a financial system, the server includes the received apartment housing remodeling business fund support personal loan product subscription application information. Apartment housing remodeling business fund support that includes at least one customer (membership) information, loan approval amount information, collateral setting information, personal loan product subscription information provided to the information system through the external system on the financial system provided on the financial system It is desirable to store in a DBMS.

Subsequently, the server may provide predetermined financial account opening history information (for example, the history of the remodeling business fund support personal loan product account opening, and / or the apartment remodeling business money support personal loan product subscription to the electronic document repository. Records stored in documents, and / or stored details of the application for subscribing to the apartment remodeling business fund support personal loan product in the storage medium 2505) (or extracted) and transmits them to the terminal (2780). .

According to an exemplary embodiment of the present invention, the storage medium 2505 is provided on the system for remodeling business fund support personal loan product opening system (or linked with the system for remodeling business fund support personal loan product opening system for apartment house remodeling business). It is preferable that the storage medium 2505 is a ledger D / B 2500 provided in the DBMS on the financial system, and / or the ledger D / B 2500 It may be any database associated with the present invention, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 2505 may be provided on (or linked to) an internet banking system, and / or a telebanking system provided on the system for opening an apartment remodeling business fund support personal loan product. And / or a DBMS on at least one of the wireless banking system, and / or the TV banking system. The present invention is not limited thereto.

28A, 28B, and 28C are diagrams illustrating a process of opening a multi-unit housing remodeling business fund support personal loan product account for processing migration expenses and expected withdrawal as a personal loan support amount according to one embodiment of the present invention.

In more detail, FIGS. 28A, 28B, and 28C illustrate a case in which the system for opening an apartment remodeling business fund support personal loan product account shown in FIG. 23 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the In the case where the financial institution server 2300 on the multi-unit house remodeling business fund support personal loan product opening system shown in FIG. 23 is an Internet banking server, the client terminal may be configured to use a TCP / IP-based network (for example, the Internet). After connecting to the Internet banking server and performing a predetermined customer (member) authentication procedure, the client terminal receives a personal loan product account for the remodeling business funds for remodeling the housing for processing the migration fee and the expected withdrawal as a personal loan support amount. In order to open a certain apartment remodeling business fund support personal loan product subscription information When the transfer to the Internet banking server, based on the apartment housing remodeling business funds support personal loan product subscription information including at least one of the customer (member) information, migration cost information, expected withdrawal information, collateral application information from the Internet banking server If the person with ordinary knowledge in the technical field to which the present invention relates to an implementation method for opening and processing the apartment housing remodeling business funds support personal loan product account for processing the migration costs and expected withdrawal as a personal loan support amount, By referring to and / or modifying the drawings 28a, 28b, and 28c, various implementation methods for registering the application information for applying for subscription to the apartment remodeling business fund support personal loan product through other types of non-face-to-face financial transaction channels can be inferred. However, the present invention includes all implementation methods inferred from the above. If in the figures 28a and 28b and the drawing indicated 28c is not limited to the exemplary method.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 28A, 28B, and 28C, Although an implementation method of connecting an internet banking-based financial transaction channel for registration of apartment home remodeling business funds support personal loan product subscription application information between the client terminal and the Internet banking server based on the browser program is shown, Those skilled in the art may refer to and / or modify an Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 28A, 28B, and 28C, and the predetermined Internet mounted on the client terminal. Based on the banking program But it can be inferred the implementation method of connecting the Internet banking-based financial transaction channel for registering the apartment housing remodeling business funds support personal loan product subscription information between the client terminal and the Internet banking server, the present invention is the Internet banking program Internet banking-based financial transactions are provided that are based on the present invention, whereby the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 28a, 28b and 28c, Infers a method of connecting non-face-to-face, financial-based financial trading channels to register for information on applying for a loan for a home remodeling business fund in another banking system such as a telebanking system and / or a wireless banking system and / or a TV banking system. It will be appreciated, however, that the present invention encompasses all types of non-face-to-face channel based financial transactions, including the telebanking system and / or wireless banking system and / or TV banking system and / or the future proposed non-face-to-face banking system. The technical configuration of the present invention is the case of the Internet banking shown in FIGS. 28A, 28B and 28C. It is by no means limited.

In addition, although the embodiment shown in FIGS. 28A, 28B, and 28C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited thereby.

In the following FIGS. 28A, 28B, and 28C, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 2300 is referred to as a "server" for convenience.

Referring to FIGS. 28A, 28B, and 28C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2800a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (2805a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in a browser program included in the web browser.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (2810a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / Or a security module associated with the Internet banking program) can be updated.

If a predetermined security module is to be installed and / or updated in the terminal (2815a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (2820a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (2825a), or if the terminal does not need to install and / or update the Internet banking security module (2815a), the server may By activating the security module for the Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (2830a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm; Attaching a predetermined digital signature to information (or data) to be provided to the server for registration and / or encrypting and transmitting at least one encryption method (and / or encryption algorithm), the server verifies the electronic signature. And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the terminal remodeling business fund support personal loan product subscription application information in the terminal. A predetermined electronic form of information (or data) to be provided to the server for registration. When the name is attached and / or encrypted and transmitted using at least one encryption method (and / or encryption algorithm), the server verifies the digital signature and / or corresponds to the encryption method (and / or encryption algorithm). A communication channel for decoding the information (or data) by a predetermined decoding method (and / or decoding algorithm).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using an official certificate of the customer (member) mounted on the terminal. It is characterized by performing.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer (member) authentication procedure through the browser program (2835a).

According to an exemplary embodiment of the present invention, the Internet banking customer (member) authentication procedure may be performed by the customer (member) through the terminal through predetermined Internet banking-based customer (member) authentication data (eg, customer (member)) through internet banking. When an ID / PW registered in the application process or a customer (member) number or the like is inputted (or generated) and transmitted to the server, the server connected through the terminal based on the customer (member) authentication data from the server ( Member) to authenticate with an Internet banking customer (member), wherein the customer (member) authentication data is preferably transmitted electronically and / or encrypted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer (member) authentication process is performed by the customer (member) through the terminal, the predetermined Internet banking-based customer (member) authentication data (for example, the customer (member)) Internet ID / PW registered in the banking application process or a customer (member) number, etc.) is input (or generated) and transmitted to the authentication server, and the authentication server accesses through the terminal based on the customer (member) authentication data. And authenticating one customer (member) as an internet banking customer (member), and providing the result to the server, wherein the customer (member) authentication data preferably includes accredited certificate-based authentication data. And, the authentication server is a server for authenticating the certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer (member) authentication data according to the request, digitally signs and / or encrypts the data through the security module, and transmits the data to the server (and / or the authentication server). Request for customer (member) authentication (2840a), and the server (and / or authentication server) non-facing the customer (member) connected through the terminal based on the customer (member) authentication data received from the terminal. Authenticate as an internet banking customer (member) for channel-based financial transactions (2845a).

If the Internet banking customer (combination member) authentication fails (2850a), the server blocks the Internet banking security channel for the terminal (2855a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer (combination member) authentication is successful (2850a), the server converts the Internet banking security channel to the Internet banking-based financial transaction channel in connection with the security module provided in the terminal (2860a), where Internet banking-based financial transaction channel is a communication that can transmit and register a predetermined apartment housing remodeling business fund support personal loan product subscription application information for processing the migration fee and expected withdrawal as a personal loan support amount from the terminal to the server. Means a channel.

Subsequently, when the terminal requests a web page including a user interface for processing the migration fee and expected withdrawal as a personal loan support amount through the internet banking-based financial transaction channel (2800b), the server correspondingly User interface for inputting (or selecting) apartment housing remodeling business fund assistance personal loan product subscription request information including at least one of the customer (member) information, migration cost information, expected withdrawal information, and security application information Generates (or extracts) a webpage including 2805b and transmits and outputs a webpage including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (2810b). .

According to the implementation method of the present invention, the web page is the apartment housing remodeling business funds support personal loan product subscription application information including at least one of customer (member) information, migration costs information, expected withdrawal information, collateral application information in the terminal; Preferably includes a user interface for inputting (or selecting) and / or for verifying the validity of an internet banking customer (member) requesting to register the apartment remodeling business funding personal loan product subscription application information. Predetermined password and / or security card information (e.g., security card information printed on a security card issued to a customer (member) during the internet banking application process) and / or one time password (OTP) (e.g., internet banking application process ( Or an OTP authenticator (or OTP certificate) provided to a customer (member) by a financial institution after applying for internet banking. It is preferable to further include a user interface for inputting a one-time password generated through the authentication program).

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least one or more times in accordance with the registration procedure for registration information application for private loan product support business apartment remodeling, whereby the present invention is not limited thereto. .

Subsequently, the terminal inputs the application information for applying for subscription to the multi-family housing remodeling business fund including at least one or more of the customer (member), migration cost information, expected withdrawal information, and security application information through the financial account opening interface (or (2815b).

If the terminal inputs (or selects) the apartment home remodeling business fund assistance personal loan product subscription application information including the customer (member) information, migration cost information, expected withdrawal information, and security application information through the user interface (2820b) In step 2825b, the terminal transmits the input (or selection) of the multi-family housing remodeling business fund assistance personal loan product subscription application information to the server through the financial transaction channel.

According to the implementation method of the present invention, the terminal includes at least one or more of the customer (union) information, migration cost information, expected withdrawal information, collateral application information, remodeling business funds support personal loan product subscription application information in the server At least an OTP code generated through a predetermined password and / or security card information and / or a predetermined one-time password (OTP) generator for verifying the validity of the apartment housing remodeling business fund assistance personal loan product subscription application information Preferably, at least one further transmission to the server via the network means.

According to the implementation method of the present invention, the terminal includes at least one or more information on the application for joining the apartment remodeling business fund support personal loan product including at least one or more of the customer (member) information, migration cost information, expected withdrawal information, and security application information. Encrypt using an encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or remodel the apartment It is preferable to attach a predetermined electronic signature to the application funds application information subscription application information and to transmit to the server through the network means, for which the terminal has at least one encryption key corresponding to the encryption method or , And / or any authorized person that includes at least one encryption key If a certificate is provided, and / or if the certificate is provided on a predetermined IC chip (or IC card), it is preferable that a card reader is provided for checking the certificate of authentication provided in the IC chip (or IC card). .

According to the implementation method of the present invention, the terminal includes at least one or more information on the application for joining the apartment remodeling business fund support personal loan product including at least one or more of the customer (member) information, migration cost information, expected withdrawal information, and security application information. Encryption by encryption method (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) to the server via the network means. Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certification. If a certificate is provided on a predetermined IC chip (or IC card), the IC chip (or IC card) It provided a card reader to verify the bidoen certificate is preferred.

Those skilled in the art to which the present invention pertains, technical features of the various encryption schemes for encrypting the application information for applying for private loan remodeling business funding remodeling business, and the personal loan product for remodeling business funding remodeling business Since you will be familiar with the technical features of attaching a predetermined digital signature to the subscription application information, a detailed description thereof will be omitted for convenience.

Subsequently, the server receives and reads the information on the subscription to the apartment remodeling business fund support personal loan product subscription through the financial transaction channel to check the validity of the information on the application to apply for the apartment remodeling business fund assistance personal loan product (2830b). ).

According to an embodiment of the present invention, the apartment house remodeling business funds support personal loan product subscription application information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope) Based encryption method, and / or key exchange based encryption method), the server may include at least one decryption method corresponding to the encryption method. For example, a symmetric key based decryption scheme, and / or a public key based decryption scheme, and / or an electronic envelope based decryption scheme, and / or a key exchange based decryption scheme. It is desirable to verify the validity of the loan application information.

Alternatively, when a predetermined electronic signature is attached to the apartment housing remodeling business funds assistance personal loan product subscription application information, the server checks the electronic signature attached to the apartment housing remodeling business funds assistance personal loan product subscription application information, It is preferable to authenticate the validity of the received information for applying for subscription to the apartment housing remodeling business funds.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted multi-family remodeling business fund support private loan product subscription application information, and the multi-family remodeling business fund support individual You will be familiar with the technical features of verifying the electronic signature attached to the loan application information, so a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the multi-family remodeling business fund support personal loan product subscription information received through the information receiving unit 2315 for checking the validity of the multi-family remodeling business fund support personal loan product subscription application information If a predetermined password is further included, the server compares the received password included in the apartment remodeling business fund support personal loan product subscription application information with the password provided corresponding to the customer (member) on the DBMS and By authenticating, it is preferable to authenticate the validity of the received apartment housing remodeling business fund assistance personal loan product subscription information.

Alternatively, predetermined security card information for confirming the validity of the multi-family remodeling business fund support personal loan product subscription application information to the multi-family remodeling business fund support personal loan product subscription application information received through the information receiver 2315. Is further included, the server compares the security card information received in response to the customer (member) on the DBMS with the received security card information included in the apartment remodeling business funds support personal loan product subscription application information And by authenticating, it is preferable to authenticate the validity of the received apartment housing remodeling business funds assistance personal loan product subscription application information.

Alternatively, a predetermined OTP code for checking the validity of the multi-family remodeling business funds assistance personal loan product subscription application information is received in the multi-family remodeling business funds assistance personal loan product subscription application information received through the information receiver 2315. If further included, the server is based on the received OTP code included in the apartment remodeling business fund support personal loan product subscription application information and the predetermined OTP generation information provided corresponding to the customer (members) on the DBMS By comparing and authenticating the generated OTP code, it is preferable to authenticate the validity of the received information for applying for subscription to the apartment housing remodeling business funds.

According to the implementation method of the present invention, the validity of the application information for applying for private loan product remodeling business loan remodeling business remodeling business fund support personal loan products in the financial system linked to the accounting system for opening a personal loan product account (D / B) It is preferable that the method comprises the step (2) to check whether at least one or more ledger information is matched with the information for applying for subscription to the apartment housing remodeling business funds.

In addition, the verification of the validity of the application information subscription application information for the apartment housing remodeling business fund support is the mortgage agreement and debt confirmation D / B (145, 845) associated with the system for opening the account remodeling business funds support personal loan products It is preferable to include a) check whether the at least one mortgage agreement and debt confirmation information is matched with the apartment housing remodeling business fund support personal loan product subscription application information is registered.

For example, checking the validity of the information for applying for private loan product subscription application for the apartment remodeling business fund may include checking the customer (member) information (customer (member)) among the information included in the apartment remodeling business fund support personal loan product subscription application information. Personal information, member information, etc.) is matched with the customer (member union) ledger stored in the ledger D / B 2500 on the financial system associated with the apartment remodeling business fund support personal loan product account opening system It is preferable to make.

In addition, the verification of the validity of the apartment housing remodeling business funds assistance personal loan product subscription application information is the information contained in the apartment housing remodeling business funds assistance personal loan product subscription application information, the mortgage application information is the apartment housing remodeling project funds And confirming whether the security agreement and the security confirmation agreement on the debt confirmation information registration system associated with the support personal loan product account opening system match the information on the security agreement agreement stored in the debt confirmation D / B (145, 845). It is preferable.

If the validity of the apartment housing remodeling business fund assistance personal loan product subscription application information is not authenticated (2835b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (2840b). However, it does not perform the procedure for opening the apartment remodeling business fund support personal loan product account.

On the other hand, if the validity of the apartment housing remodeling business funds assistance personal loan product subscription application information is certified (2835b), the server includes at least one customer (members) including the apartment housing remodeling business funds assistance personal loan product subscription application information. Generates predetermined document content including information, migration fee information, expected withdrawal information, and collateral application information (2845b), and generates a predetermined apartment remodeling business fund assistance personal loan product subscription application electronic document including the document content. (2850c).

According to an exemplary embodiment of the present invention, the server includes at least one customer (member) information, migration fee information, expected withdrawal information, and collateral application information included in the received apartment housing remodeling business fund support personal loan product subscription application information. A word processor file generating document content including the document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. , Or a web document file including an MHT) is preferably processed as an electronic document for applying for a subscription to a multi-family housing remodeling business fund for the processing of the migration fee and the expected withdrawal amount as a personal loan support amount.

Alternatively, the server generates document content including at least one of customer (membership) information, migration fee information, expected withdrawal information, and collateral application information included in the received MDU subscription support information. And watermarking information on at least one of customer (member) information, migration cost information, expected withdrawal information, and collateral application information included in the multi-unit housing remodeling business fund assistance personal loan product subscription application information in the document content. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file containing the MHT), the migration fee and the expected withdrawal as personal loan assistance. It is treated as a public housing renovation project funded personal loan subscription for electronic documents is desirable.

Alternatively, the server generates document content including at least one of customer (membership) information, migration fee information, expected withdrawal information, and collateral application information included in the received MDU subscription support information. And an apartment file for processing the migration fee and the expected withdrawal as a personal loan support amount for an image file including the image content captured by the document content (eg, the image content generated by capturing the document content on a memory). Remodeling business fund support Personal loan product subscription application It is desirable to process electronic documents.

Alternatively, the server generates document content including at least one of customer (membership) information, migration fee information, expected withdrawal information, and collateral application information included in the received MDU subscription support information. And customer (member) information included in the application information for applying for subscription to the multi-family house remodeling business fund to the image content captured by the document content (for example, image content generated by capturing the document content on a memory). After including at least one or more information, such as migration fee information, expected withdrawal information, collateral information in a watermarking (Watermarking) method, an image file including the image content including the watermarking support the personal expenses for the migration fee and expected withdrawal Apartment Housing Remodeling Business Fund Support for Personal Money It is advisable to process it as an electronic application for admission.

According to another exemplary embodiment of the present invention, the server includes at least one of customer (membership) information, migration fee information, expected withdrawal information, and collateral application information included in the received MDU support personal loan product subscription application information. A predetermined document file (eg, PDF (Portable) is generated that generates document content including the above, and includes image content (eg, image content generated by capturing the document content on a memory) that captures the document content. A document format (EDI) file, an EDI (electronic data interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) Apartment housing remodeling for the processing of loan assistance Aid for business funding Personal loan product subscription application It is preferable.

Alternatively, the server generates document content including at least one of customer (membership) information, migration fee information, expected withdrawal information, and collateral application information included in the received MDU subscription support information. And customer (member) information included in the application information for applying for subscription to the multi-family house remodeling business fund to the image content captured by the document content (for example, image content generated by capturing the document content on a memory). Generating image content including at least one or more information of migration fee information, expected withdrawal information, and collateral application information by a watermarking method, and including a document file (eg, PDF ( Write down a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or HWP / DOC. By generating a word processor file including one or more, or a web document file including an MHT), the apartment housing remodeling business funds support personal loan product subscription application electronic document for processing the migration fee and expected withdrawal as the personal loan support amount It is preferable to treat with.

According to another exemplary embodiment of the present invention, the server may include at least customer (member) information, migration fee information, expected withdrawal information, and collateral application information included in the received MDU support personal loan product subscription application information. Create document content including one or more, and the image content (e.g., image content generated by capturing the document content on the memory) and the apartment housing remodeling business funds support private loan product subscription application A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. By creating a file, etc.) Tax Remodeling Business Fund Support Personal loan product subscription application It is desirable to process electronic documents.

Alternatively, the server generates document content including at least one of customer (membership) information, migration fee information, expected withdrawal information, and collateral application information included in the received MDU subscription support information. And customer (member) information included in the application information for applying for subscription to the multi-family house remodeling business fund to the image content captured by the document content (for example, image content generated by capturing the document content on a memory). Generating image content including at least one or more information of migration fee information, expected withdrawal information, and collateral application information by a watermarking method, and supporting the image content including the watermarking and the remodeling business fund for the apartment; Document file containing loan product subscription application information (e.g. PDF (Portable Docu) personalize the migration fee and expected withdrawal by creating a ment Format file, an EDI file, a word processor file including at least one of HWP / DOC, or a web document file including MHT. It is preferable to process the apartment housing remodeling business fund support personal loan product subscription application electronic document for processing as the loan support amount.

If the person skilled in the art to which the present invention belongs, the technical features that the server generates the electronic housing remodeling business funds support personal loan product subscription application electronic document in the image file format and / or predetermined document file format, Since the technical features of the file format for the image file and / or the document file corresponding to the electronic housing remodeling business fund assistance personal loan product subscription application electronic document will be familiar with, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic home remodeling business funds assistance personal loan product subscription application electronic document in a predetermined electronic document storage (2855c).

As shown in FIG. 23, the electronic document repository is connected to a server on the multi-family remodeling business fund support personal loan product account opening system with a predetermined electronic document server 2360 and electronic document D connected through a predetermined communication means. When provided to the outside including / B (2380), the server transmits the generated electronic housing remodeling business funds support personal loan product subscription application electronic document to the electronic document server 2360 through the communication means It is preferable to store in the electronic document D / B (2380).

Or, if the electronic document storage is provided on the DBMS provided in the system for remodeling business fund support personal loan product opening system, the server is the electronic housing remodeling business fund support personal loan product subscription application electronic document generated It can be stored in the electronic document D / B (2380) corresponding to the electronic document storage on the DBMS provided in the apartment remodeling business funds support personal loan product account opening system, by which the present invention is not limited.

According to the implementation method of the present invention, the electronic housing remodeling business fund support personal loan product subscription application electronic document storage in the electronic document storage, the generated multi-family remodeling business fund support personal loan product subscription application electronic document and predetermined And linking the electronic document management information to the electronic document D / B 2380 shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the electronic housing remodeling business fund support personal loan product subscription application electronic document and the electronic document storage date and time information. Do.

The electronic document management information may further include financial institution information that transmits the electronic housing remodeling business fund assistance personal loan product subscription application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer (member) information transmitted by inputting (selecting) the application information for applying for private loan product subscription for the apartment house remodeling business fund) and / or the apartment house. Financial institution information for transmitting the electronic document, and / or electronic document file format information, and / or the information for applying for the loan for the private house remodeling business for remodeling business remodeling; It is preferable.

If the electronic document is stored in the electronic housing remodeling business fund support personal loan product subscription application (2860c), the server is a customer (members) included in the apartment remodeling business fund support personal loan product subscription information. The financial account information is generated based on the information, the migration cost information, the expected withdrawal information, and the security application information (2865c).

Herein, the financial account information may include an account number and an interest rate information corresponding to the multi-family remodeling business fund support personal loan product account opened based on the multi-family remodeling business fund support personal loan product subscription application information. In addition, when the multi-family housing remodeling business fund support personal loan product account includes the savings attribute, it is preferable that the predetermined housing period, payment date and time and payment amount information is further included.

Thereafter, the server is linked to the financial system based on the customer (member) information, migration cost information, expected withdrawal information, and collateral application information included in the apartment remodeling business fund support personal loan product subscription information in connection with the financial system. A financial account in the name of the customer (member) including the information is opened (2870c).

According to an embodiment of the present invention, the server creates a customer ledger including customer (member) information included in the application for opening a financial account in association with the financial system (or the member (member)) and Check the customer ledgers (members) that are already matched and generated; and generate predetermined account ledger information including the financial account information, and then add the account ledger information to a predetermined account ledger associated with the customer (member) ledger. By storing the, it is characterized in that for opening the predetermined financial account for processing the migration fee and expected withdrawal as the personal loan support amount corresponding to the apartment housing remodeling business fund support personal loan product subscription application information.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the financial account information in the ledger D / B 2500 in association with the financial system. It is desirable to produce.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 2500 on the financial system to generate a predetermined ledger including the financial account information.

Subsequently, the server remodeling business capital support personal loan including at least one or more of the customer (member) information, loan approval amount information, collateral setting information included in the information for applying for private loan product remodeling business loan remodeling business apartment remodeling The product subscription information is generated and stored in the predetermined storage medium 2505 (2875c).

According to an exemplary embodiment of the present invention, when the storage medium 2505 is provided in the server or on a network associated with the server, the server requests to subscribe to the received multi-family remodeling business fund support personal loan product. It is preferable that the storage medium 2505 stores the information on the subscription to the multi-family housing remodeling business fund that includes at least one of the customer (member) information, loan approval amount information, and collateral setting information included in the information. .

According to another exemplary embodiment of the present invention, when the storage medium 2505 is provided in a DBMS provided on a financial system, the server includes the received apartment housing remodeling business fund support personal loan product subscription application information. Apartment housing remodeling business fund support that includes at least one customer (membership) information, loan approval amount information, collateral setting information, personal loan product subscription information provided to the information system through the external system on the financial system provided on the financial system It is desirable to store in a DBMS.

Subsequently, the server may provide predetermined financial account opening history information (for example, the history of the remodeling business fund support personal loan product account opening, and / or the apartment remodeling business money support personal loan product subscription to the electronic document repository. A document storing the document, and / or a record of storing the apartment housing remodeling business fund assistance personal loan product subscription application information in the storage medium 2505) is generated (or extracted) and transmitted to the terminal (2880c).

According to an exemplary embodiment of the present invention, the storage medium 2505 is provided on the system for remodeling business fund support personal loan product opening system (or linked with the system for remodeling business fund support personal loan product opening system for apartment house remodeling business). It is preferable that the storage medium 2505 is a ledger D / B 2500 provided in the DBMS on the financial system, and / or the ledger D / B 2500 It may be any database associated with the present invention, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 2505 may be provided on (or linked to) an internet banking system, and / or a telebanking system provided on the system for opening an apartment remodeling business fund support personal loan product. And / or a DBMS on at least one of the wireless banking system, and / or the TV banking system. The present invention is not limited thereto.

29 is a diagram illustrating a system for opening a face-to-face apartment building remodeling business fund support company loan product account system for processing a combination cost and a construction cost as a company loan support amount according to an established method according to an embodiment of the present invention.

In more detail, FIG. 29 illustrates a multi-unit house remodeling project in which a predetermined customer (Special Purpose Company; SPC) includes at least one predetermined customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information. When the financial assistance company loan product subscription application is completed and submitted to a window provided at a predetermined financial institution, the financial institution remodeling business capital support company corresponding to the apartment housing remodeling business fund support company loan product subscription application is provided by the financial institution. Based on the loan product subscription application information, open the apartment housing remodeling business fund support enterprise loan product account for processing the combination cost and construction cost as the enterprise loan support amount according to the preliminary notice, and the apartment house remodeling business fund support company loan product account Corporate Housing Remodeling Business Fund Support The present invention relates to a system configuration for storing input information in a predetermined storage medium 2900. Those skilled in the art may refer to and / or modify this drawing 29 to convert the combination cost and construction cost to a ready-made store. According to the present invention, it is possible to infer various implementation methods for the construction of an apartment house remodeling business fund support company loan product account opening system for processing with the company loan support amount, but the present invention includes all the implementation methods inferred from the above figure 29 It is not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 29 to store the electronic housing remodeling business fund assistance enterprise loan application subscription electronic document in the electronic document repository. It will be possible to infer the system of opening a business account for remodeling business loans for corporate housing remodeling business omitting the method, and also to keep the electronic document application for subscription to the apartment remodeling business funds for business loan remodeling business funds. In addition to the implementation method shown in FIG. 29, the electronic document repository may infer the implementation method provided in the DBMS located in the system for opening the apartment remodeling business fund support company loan product. Method, and with the implementation method shown in FIG. It shall be defined.

In addition, in the implementation method for generating the electronic housing remodeling business capital support company loan product subscription application electronic document as shown in FIG. 29, the multi-family remodeling corresponding to the apartment house remodeling business money support company loan product subscription application Although the business funds support company loan product subscription application electronic document is illustrated and described as being generated on the server side on the multi-family housing remodeling business money support company loan product account opening system, the present invention is not limited thereto. The electronic document for applying for remodeling business loan support company loan product subscription may be generated at a terminal that has acquired image content corresponding to the application for joining the apartment remodeling business fund support company loan product through a predetermined image acquisition device (eg, the server). On the side Document generation functionality to create a cavity housing renovation projects funded enterprise loan product subscription electronic documents provided on the terminal side), and to which the present invention is not limited.

Hereinafter, the application for joining an apartment house remodeling business fund support company loan product created by the customer (SPC) and an apartment house through a predetermined financial account opening interface on the system for opening an apartment house remodeling business fund support company loan product shown in FIG. 29. In response to the application information for remodeling business loan support company loan product, the customer (SPC) opens the apartment remodeling business fund support company loan product account, and corresponding to the corresponding apartment remodeling business money support company loan product subscription. A component corresponding to at least one or more means and / or functional configurations for generating an application electronic document and storing it in a predetermined electronic document repository is called " financial company server 2900 " for convenience.

Referring to this figure 29 in accordance with the implementation method of the present invention, the system for remodeling the apartment housing remodeling business fund support system loan processing system for processing the combination cost and construction cost as the company loan support amount according to the established high-quality, at least one financial institution branch It characterized in that it comprises a terminal device (2995) including a teller terminal provided in the (or sales office), the terminal device (2995) through the predetermined financial network remodeling business funds support company loan product account A communication channel is connected to a financial institution server 2900 provided on an establishment system.

According to an exemplary embodiment of the present invention, the customer (SPC) visits the financial institution branch (branch branch) to process the combination cost and the construction cost as a corporate loan support amount according to a ready-made amount, and to the financial institution branch branch (branch branch). Application for joining a predetermined apartment housing remodeling business fund support enterprise loan product (for example, the union cost and construction cost) for processing the union cost and construction cost as the company loan support amount according to the established loan through the provided counter (or through the counter staff). According to the company loan support amount to prepare a document that has a form for filling in at least one information item for processing), wherein the customer (SPC) is in the application for joining the apartment housing remodeling business funds It is desirable to seal the seal of the customer (SPC) for legal basis.

Subsequently, when the customer (SPC) submits the completed application for remodeling business loan support company loan product to the counter employee, the counter employee subscribes to the apartment house remodeling business money support company loan product through a predetermined image acquisition device. Scan the application to obtain a predetermined image content, and through the predetermined window terminal image content obtained in response to the application for the application for a business remodeling business loan support business remodeling and the application for a business loan product subscription business remodeling business apartment Enter (or select) application information for joining an apartment remodeling business fund support company loan product including at least one of customer (SPC) information, union cost information, construction cost information, and construction sales receivable information, and corresponding counters The terminal is remodeling the image content and apartment To transfer the business funding companies loans subscription information to the bank server (2900) is provided on the public housing renovation projects funded enterprise loan account opening system through the banking network is desirable.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 2900 connected to the window terminal is a server provided on the predetermined financial system (Eg, a ledger server, etc.), and the financial network connecting the teller terminal and the financial institution server 2900 includes a branch network connecting the communication channel between the teller terminal and the financial institution server 2900. It is preferable to make it.

In the system for opening a multi-family housing remodeling business fund support system as described above, Image acquisition apparatus for acquiring the image content corresponding to the application for joining the multi-family home remodeling business funds support company loan product created by the customer (SPC); The window terminal used by the employee and the financial network connecting the window terminal and the financial company server 2900 are the apartment house remodeling business funds for the customer (SPC) to process the combination cost and construction cost as the corporate loan support amount according to the established notice Supports the function of the financial account opening interface for registering the application information for the subscription of the enterprise loan product.

The storage medium 2990 provided on the system for remodeling business loan support company loan product account opening system according to the present invention may be applied to the application information for applying for subscription to the apartment house remodeling business fund provided from the terminal device 2995. Characterized in that the stored information (SPC) information, loan approval amount information, construction sales receivable information including at least one apartment housing remodeling business funds support corporate loan product subscription information.

The combination cost information may include information on the amount of money to be spent during the remodeling project, for a union established by a member (eg, owner, etc.) of the remodeled apartment house to promote the remodeling business. It may be changed according to the intention and purpose of those skilled in the art.

When the remodeling business starts the remodeling business for the remodeling apartment house, the construction cost information preferably includes at least one information on the amount of money required for construction during the remodeling project and at least one remodeling apartment house information. And depending on the purpose.

The construction sales receivable information is the contractor started the remodeling business as the main business activities for the remodeling business for the remodeled apartment, but the accounts receivable information on the uncollected amount and the receivable information on the notes received, It is preferable to include at least one house information, it may be changed according to the intention and purpose of those skilled in the art.

The customer (SPC) information is the personal information of the customer (SPC) (for example, the name of the customer (SPC), social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the member information of the customer (SPC) ( For example, when the customer SPC joins the financial transaction customer SPC of the financial institution, the financial system linked with the apartment remodeling business fund support company loan product account opening system in response to the customer SPC. At least one member ID information, or CIF (Customer Information File), etc., which are provided in the customer (SPC) ledger provided therein, is preferably included.

The loan approval amount information is for the customer (SPC) applying for subscription to the apartment remodeling business fund support company loan product, the combination cost information and construction cost information included in the apartment remodeling business fund support company loan product subscription information It is preferable to include the amount of information calculated in connection with the security ratio, and may be changed according to the intention and purpose of those skilled in the art.

In addition, the loan approval amount information is a loan support money corresponding to the construction cost of the loan approval amount, without supporting the loan approval amount in full to the customer (SPC) applying for subscription to the apartment remodeling business funds support company loan product It is desirable to provide limited support in response to ready-made high after confirming ready-made.

According to an exemplary embodiment of the present invention, the storage medium 2990 is provided on the system for remodeling business fund support company loan product opening system (or the system for remodeling business fund support company loan product account opening system). The storage medium 2990 is a ledger D / B provided to the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2990 is provided on (or associated with) an internet banking system, and / or a telebanking system provided on the system for opening an apartment remodeling business fund support company loan product; And / or a DBMS on at least one of the wireless banking system, and / or the TV banking system. The present invention is not limited thereto.

The financial institution server 2900 provided on the corporate housing remodeling business fund support company loan product account opening system according to the present invention is the apartment house remodeling business capital support company connected to the terminal device 2995 through a predetermined financial network. A general term for the component of the system for opening a loan product, which is implemented by including at least one or more servers (or devices), and / or by at least one or more programs recorded on a recording medium provided in a predetermined server (or device). The present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device 2995 is a window terminal connected to a predetermined financial network, the financial company server 2900 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a general ledger server, and / or a server (or device) provided in the external system on the financial system, and / or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the financial company server 2900 may include an interface unit 2905 for connecting and managing a predetermined communication channel with the terminal device 2995 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 2995 is a window terminal connected to a predetermined financial network, the interface unit 2905 may select the window terminal and the predetermined terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 29, the financial institution server 2900 has a combination cost and construction cost when a predetermined terminal device 2995 connects a predetermined communication channel with the financial institution server 2900 through the interface unit 2905. Image contents corresponding to the application for joining the application for a business loan remodeling business fund for the apartment remodeling business made by the customer (SPC) through a predetermined image acquisition device provided in the terminal device 2995 for processing with the company loan support amount according to the existing high school. At least one to obtain (or select) the multi-family remodeling business capital support company loan product subscription application information corresponding to the multi-family housing remodeling business fund support company loan product subscription application to transmit to the financial company server (2900) Generate (or extract) the above user interface, and generate (or extract) in association with the interface unit 2905. An interface providing unit 2910 for providing the user interface to the terminal device 2995 and a joint application corresponding to the application for joining an apartment building remodeling business fund support company loan product through the user interface in the terminal device 2995; When the home remodeling business fund support company loan product subscription application information is input (or selected) and transmitted, the apartment remodeling business fund support company loan product subscription transmitted from the terminal device 2995 in association with the interface unit 2905. Application for joining an apartment building remodeling business fund support company loan product created by the customer (SPC) through an information receiving unit 2915 for receiving application information and a predetermined image acquisition device based on the user interface in the terminal device 2995. After acquiring and transmitting image content corresponding to, the interface unit 2905 associates with the interface unit 2905. It characterized in that it comprises an image receiving unit (2920) for receiving the image content corresponding to the apartment housing remodeling business funds support company loan product subscription application.

The interface providing unit 2910 is connected to the financial company server 2900 and the predetermined communication channel through the interface unit 2905, the interface unit 2905, the combination cost and construction cost to the financial company server 2900 When requesting a user interface for processing with the company loan support amount according to the established high-end, apartment housing remodeling business funds support company loan product created by the customer (SPC) through a predetermined image acquisition device provided in the terminal device (2995) Acquire image content corresponding to the subscription application, and input (or select) the apartment housing remodeling business fund support company loan product subscription application information corresponding to the apartment house remodeling business fund support company loan product subscription application to enter (or select) the financial network. Generate at least one or more user interfaces to transmit to the financial institution server 2900 via, and / or Extracts from a predetermined database (not shown) and provides the generated (or extracted) user interface to the terminal device 295 through the financial network in association with the interface unit 2905.

According to another exemplary embodiment of the present invention, the terminal device 2995 acquires image contents corresponding to the application for joining an apartment loan remodeling business fund support company loan product created by the customer (SPC) through a predetermined image acquisition device. At least one to input (or select) the multi-family remodeling business capital support company loan product subscription application information corresponding to the application for the application for corporate loan remodeling business loans to transmit to the financial company server 2900 through the financial network When the predetermined information registration program having the above user interface is provided, the image contents corresponding to the application for joining the apartment housing remodeling business fund support company loan product created by the customer (SPC) through the predetermined image acquisition device as described above are provided. Acquisition and funding company for the remodeling business of the apartment The terminal device 2995 is generated (or extracted) a user interface for inputting (or selecting) apartment loan application subscription information corresponding to an exit product subscription application and inputting (or selecting) company loan product subscription application information to the financial institution server 2900. The interface providing unit 2910 may be omitted. Thus, the present invention is not limited thereto.

Thereafter, the terminal device 2995 receives, through the user interface, apartment house remodeling business fund support enterprise loan product subscription application information including at least one of the customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information. Inputting (or selecting) and transmitting the input (or selection) to the financial institution server 2900 through the financial network. ) Is characterized in that for receiving the application information for applying for subscription to the apartment remodeling business funds supported from the terminal device 2995 in association with the interface unit 2905.

In addition, the terminal device 2995 obtains the image contents corresponding to the application for subscription to the apartment housing remodeling business funds support company loan product created by the customer (SPC) through a predetermined image acquisition device based on the user interface, The acquired image content is transmitted to the financial company server 2900 through the financial network. In response, the image receiving unit 2920 joins the apartment remodeling business fund supporting company loan product in association with the interface unit 2905. Characterized in that the image content corresponding to the application is received.

According to another exemplary embodiment of the present invention, the terminal device 2995 acquires image contents corresponding to the application for joining an apartment loan remodeling business fund support business loan product created by the customer (SPC) through a predetermined image acquisition device. When the terminal device 2995 is previously stored in a predetermined storage device provided in (or associated with) the terminal device 2995, the terminal device 2995 may be configured to store at least one of the one or more image contents previously stored in the storage device through the user interface. An image content corresponding to the apartment remodeling business fund support company loan product subscription application prepared by the customer (SPC) is selected and transmitted to the financial company server 2900 through the financial network. In response, the image receiving unit 2920 is In connection with the interface unit 2905, the apartment housing remodeling business fund support company loan product subscription application form Yes it is preferable that receives the image content.

According to another exemplary embodiment of the present invention, the image content corresponding to the apartment housing remodeling business money support company loan product subscription application created by the customer (SPC) through the user interface in the terminal device (2995) and the apartment house remodeling project When the joint housing remodeling business loan support company loan product subscription application information corresponding to the funded enterprise loan product subscription application is transmitted together, the information receiving unit 2915 is connected to the interface unit 2905 to perform the apartment house remodeling business. It is possible to receive the image content corresponding to the application for the application of the financial assistance company loan product and the application information for the application for subscription to the corporate housing remodeling business fund (for example, the image receiving unit 2920 is integrated into the information receiving unit 2915). Operation), whereby the present invention is not limited.

Referring to FIG. 29, when the financial institution server 2900 receives the application information for applying for subscription to the multi-family house remodeling business funds transmitted from the terminal device 2995 through the information receiver 2915, the received information is received. Multi-family remodeling business fund support company loan product subscription application information validity check unit (2925) and the validity confirmation unit (2925) to check whether the combination cost and construction cost to meet the validity for processing the company loan support amount according to the established high In response to the validity result confirmed in the, the validity confirmation unit 2925 to determine whether to perform the loan by checking whether the predetermined loan conditions are satisfied with the application information for subscription to the apartment housing remodeling business fund support It is characterized by comprising a judging processing unit 2930.

According to the implementation method of the present invention, the validity of the apartment remodeling business fund support company loan product subscription application information is confirmed in the ledger D / B on the financial system associated with the system for remodeling business loan support company loan product account opening system It is preferable to include a check whether at least one or more ledger information matching the apartment housing remodeling business capital support company loan product subscription application information is registered.

For example, checking the validity of the information on the application for subscription to the apartment housing remodeling business fund support company loan information is included in the information on the application for the loan application for entering the apartment housing remodeling business fund, the customer (SPC) information (customer (SPC). Personal information, or member information, etc.) is matched with the SPC ledger stored in the ledger D / B on the financial system associated with the apartment remodeling business funds support account opening system desirable.

The loan examination processing unit 2930 corresponds to the validity result confirmed by the validity confirming unit 2925, the predetermined amount of the loan for the subscription information application information for the apartment remodeling business funds support company loan remodeling business in the validity confirming unit 2925 It is characterized by determining whether the loan is carried out by checking whether the conditions are satisfied.

According to the implementation method of the present invention, the loan screening processing unit 2930 corresponds to the validity result confirmed by the validity confirming unit 2925, and the validity confirming unit 2925 joins the multi-family housing remodeling business fund support company loan product subscription. It is desirable to determine whether to perform a loan by checking whether the application information satisfies a predetermined loan condition.

Here, the loan condition is whether the amount of asset price increase after the remodeling of the remodeling business funded sub-units is equal to a predetermined amount, and whether the total loan support amount is in accordance with the LTV. It is preferable to check whether at least one or more of the number of the remodeling project funding target apartments conform to a predetermined number, and may be changed according to the intention and purpose of those skilled in the art.

Those of ordinary skill in the art to which the present invention pertains will be familiar with the technical features of the loan conditions, so the detailed description is omitted for convenience.

Referring to FIG. 29, the financial company server 2900 receives the image content transmitted from the terminal device 295 through the image receiving unit 2920, and remodels the multi-family house through the validity checking unit 2925. When the validity of the business money support company loan product subscription application information is authenticated, an electronic document generation unit 2935 for generating a predetermined apartment housing remodeling business money support company loan product subscription application electronic document including the received image content; And an electronic document transmission unit 2940 for transmitting the generated electronic housing remodeling business fund assistance enterprise loan product subscription application electronic document to an electronic document repository associated with the multi-family remodeling business fund support enterprise loan product account opening system. Characterized in that made.

The electronic document generation unit 2935 generates an electronic document remodeling business loan assistance business subscription application electronic document including the image content received from the terminal device 295 through the image receiving unit 2920 It is done.

According to an embodiment of the present invention, the electronic document generation unit 2935 is configured to adjust the combination and construction costs as the image file including the image content received from the terminal device 295 through the image receiving unit 2920 In accordance with the existing high-end, it is desirable to process the apartment remodeling business fund support business loan application to apply for the business loan support amount as an electronic document.

Alternatively, the electronic document generation unit 2935 may support the corporate housing remodeling business fund support company loan received through the information receiving unit 2915 to the image content received from the terminal device 295 through the image receiving unit 2920. The combination and construction costs include an image file corresponding to an image content including at least one of customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information included in the product subscription application information by a watermarking method. It is desirable to generate an electronic document for applying for a business loan remodeling business loan support business loan product for processing as a loan amount in accordance with the established loan.

According to another exemplary embodiment of the present invention, the electronic document generating unit 2935 may include a predetermined document file (eg, PDF) including the image content received from the terminal device 2995 through the image receiving unit 2920. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, web document file including MHT), and the like. It is desirable to generate an electronic document for applying for a corporate housing remodeling business loan support business loan product for processing as a corporate loan support amount according to the existing high school.

Alternatively, the electronic document generation unit 2935 may support the corporate housing remodeling business fund support company loan received through the information receiving unit 2915 to the image content received from the terminal device 295 through the image receiving unit 2920. Generate image content including at least one or more of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the product subscription application information in a watermarking method, and generates the generated image content A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) ), The multi-unit housing remodeling business funds for processing the combination and construction costs as the company loan support amount according to the established high To generate a one-company loans subscription electronic documents is desirable.

According to another exemplary embodiment of the present invention, the electronic document generator 2935 receives the image content and the information receiver 2915 received from the terminal device 295 through the image receiver 2920. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing the information for applying for subscription to the apartment remodeling business funds Generating a word processor file, or a web document file including an MHT), and generating an electronic document for applying for a subscription to a corporate housing remodeling business fund for corporate housing remodeling to process the combination cost and construction cost as a corporate loan support amount according to a preliminary report. It is desirable to.

Alternatively, the electronic document generation unit 2935 may support the corporate housing remodeling business fund support company loan received through the information receiving unit 2915 to the image content received from the terminal device 295 through the image receiving unit 2920. Generate image content including at least one or more of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the product subscription application information by a watermarking method, and the generated image content and At least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) including the application information for applying for subscription to the apartment remodeling business funds. To generate a word processor file or a web document file including the MHT). Accordingly, it is desirable to generate an electronic document for applying for a corporate housing remodeling business loan support business loan product for processing as a corporate loan support amount.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 2935 is the image file format and / or a predetermined document file format apartment housing remodeling business funds support enterprise loan product subscription application electronic document You will be familiar with the technical features to generate and the technical features of the file format for the image file and / or document file corresponding to the electronic housing remodeling business funds support enterprise loan product subscription application electronic document, the detailed description Omit for convenience.

The electronic document transmission unit 2940 is a system for opening an apartment remodeling business fund support company loan product account application system for applying for the electronic housing remodeling business fund support company loan product subscription generated by the electronic document generation unit 2927 and It is characterized in that the transmission to the predetermined electronic document storage to store.

As shown in FIG. 29, the electronic document repository includes a predetermined electronic document server 2965 connected with a financial company server 2900 on a system for opening a multi-family housing remodeling business fund support company loan product account through a predetermined communication means. When provided externally including an electronic document D / B (2985), the electronic document transmission unit 2940 is applied for subscription to the apartment housing remodeling business funds support company loan product generated by the electronic document generation unit (2935) The electronic document is transmitted to the electronic document server 2965 through the communication means.

Here, when the electronic document server 2965 and the electronic document D / B (2985) is provided outside of the system for remodeling business fund support company loan product account opening system, the electronic document server 2965 and the electronic document Document D / B 2985 is preferably managed by an accredited agency.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the system for remodeling business fund-supported enterprise loan product opening system, the electronic document transmitting unit 2940 is the electronic document generating unit. The electronic document D / D corresponding to the electronic document storage on the DBMS provided in the multi-family remodeling business fund-supported business loan product account opening system generated by the (2935). It is possible to store in B 2985, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, the electronic document transmission unit 2940 is configured to generate electronic document management information in the electronic document server 2965 (e.g., an apartment house corresponding to the image content). Customer (SPC) information for completing the remodeling business loan assistance business loan product subscription application, and / or financial institution information for transmitting the electronic housing remodeling business loan assistance business loan application subscription application, and / or electronic document file format information, And / or the apartment housing remodeling business fund support company loan product subscription application information, etc.), which may be transmitted to the electronic document repository, whereby the present invention is not limited thereto.

Referring to FIG. 29, the financial company server 2900 may be configured to receive the combination and construction costs through the validity checking unit 2925 through the validity checking unit 2925, through which the application information for applying for the apartment housing remodeling business funds received through the information receiving unit 2915 is provided. When the validity for processing the company loan support amount is certified according to the existing high school, the customer (SPC) information, combination cost information, construction cost information, construction information included in the application for subscription to the apartment housing remodeling business funds supporting the validity certified An information generation unit 2945 for generating the financial account information based on the trade receivable information, an account establishment unit 2950 for opening and processing a financial account under the name of the customer (SPC) including the financial account information, and Mortgage corresponding to the information on the apartment house to be included in the construction cost information provided by the customer (SPC) in connection with the collateral provision agreement and debt confirmation D / B (345, 1045) Root mortgage setting unit for confirming the joint and debt confirmation information, and establishes the basis mortgage rights in accordance with the loan execution in connection with the registry system before the financial account information is generated and opened the financial account of the customer (SPC) name It is characterized by consisting of (2955).

When the validity confirmation unit 2525 confirms the validity of the application information for subscription to the apartment house remodeling business fund support information, the information generation unit 2945 is the apartment house remodeling business fund support company loan product subscription application information. The financial account information is generated based on the customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information included in the information.

Herein, the financial account information may include account number and interest rate information corresponding to the multi-family remodeling business fund support company loan product account opened based on the multi-family remodeling business fund support company loan product subscription application information. In addition, when the multi-family housing remodeling business fund support company loan product account includes a savings attribute, it is preferable that the predetermined housing period, payment date and time and payment amount information is further included.

The account establishment unit 2950 generates a customer ledger (SPC) including the customer (SPC) information included in the financial account opening application information in connection with the financial system (or matched with the customer (SPC) information) By checking the customer ledger (SPC) provided), generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer (SPC) ledger. In response to the application information for the application for joining the apartment housing remodeling business funds, the predetermined cost and opening of a predetermined financial account for processing the combination cost and construction cost as a corporate loan support amount according to the pre-determination.

According to an embodiment of the present invention, when the financial company server 2900 and the financial system exist in the same system, the account opening unit 2950 includes financial account information in the ledger D / B in association with the financial system. It is desirable to create a predetermined account ledger.

According to another exemplary embodiment of the present invention, when the financial institution server 2900 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 2950 uses the predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

Referring to FIG. 29, the financial company server 2900 may be configured to receive the combination and construction costs through the validity checking unit 2925 through the validity checking unit 2925, through which the application information for applying for the apartment housing remodeling business funds received through the information receiving unit 2915 is provided. If the validity for processing the company loan support amount is certified according to the existing high-level, the customer (SPC) information, loan approval amount information, construction sales included in the application information for applying for the loan for renovation of the apartment housing remodeling business which has been validated An information storage unit 2960 is provided to store the information for joining the apartment remodeling business fund supporting company loan product including at least one or more bond information in a predetermined storage medium 2990.

When the validity confirmation unit 2525 confirms the validity of the application information for subscription to the apartment house remodeling business fund support, the information storage unit 2960 requests the subscription information for the apartment house remodeling business fund support company loan product. Characterized in that the storage (2990) is stored in the customer housing (SPC) information, loan approval amount information, construction sales receivables information including apartment housing remodeling business funds support corporate loan product subscription information .

According to an exemplary embodiment of the present invention, when the storage medium 2900 is provided in the financial company server 2900 or on the network associated with the financial company server 2900, the information storage unit 2960 may be configured as the storage medium 2900. Apartment housing remodeling business fund support business loan support company loan product subscription information including at least one or more of the customer (SPC) information, loan approval amount information, construction sales receivable information included in the application information received from the corporate housing remodeling business subscription received information Is preferably stored in the storage medium 2990.

According to another exemplary embodiment of the present invention, when the storage medium 2990 is provided in a DBMS provided on a financial system, the information storage unit 2960 may apply to receive the received apartment housing remodeling business funds support company loan product subscription. Apartment housing remodeling business fund support corporate loan product subscription information including at least one of the customer (SPC) information, loan approval amount information, construction sales receivable information included in the information to the information system through the external system on the financial system It is desirable to store in a DBMS provided on the financial system.

Referring to FIG. 29, a predetermined multi-family remodeling business fund support company loan product subscription application electronic document is provided from the financial company server 2900 provided on the system for opening a multi-family house remodeling business support company loan product. The electronic document server 2965, which stores and manages the electronic document D / B 2985, transmits a predetermined apartment remodeling business fund assistance enterprise loan product subscription application electronic document from the financial company server 2900 through a predetermined communication means. Generates electronic document management information for storing and managing the electronic document receiving unit 2970 and the electronic document D / B 2985 for receiving the electronic housing remodeling business fund support company loan product subscription application electronic document. Electronic document management information and the electronic document management information and the apartment housing remodeling business fund support company loan product subscription application electronic document To the association process provided by the e-document storage unit (2980) for storing a predetermined electronic document D / B (2985) it is characterized in that formed.

The electronic document receiving unit 2970 may receive an electronic document subscription application electronic document subscription application electronic document remodeling business funds in the form of an image file and / or a document file from the financial company server 2900 through the communication means.

According to the exemplary embodiment of the present invention, the electronic document receiving unit 2970 receives the electronic housing remodeling business fund support company loan product subscription application electronic document received through the communication means, the financial company server 2900 by the terminal device 2995. It is preferable that the image file including the image content received from the) as it is included.

Alternatively, the electronic document receiving unit 2970 may receive an electronic document for remodeling business loan assistance company loan product subscription application received through the communication means. The image content received by the financial company server 2900 from the terminal device 2995. Image content including at least one or more information of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the application for subscription to the apartment housing remodeling business funds to the watermarking method It is preferable to include an image file corresponding to.

According to another embodiment of the present invention, the electronic document receiving unit (2970) through the communication means for the apartment housing remodeling business fund support company loan product subscription application electronic document is the financial company server (2900) the terminal device ( A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one image content including image content received from 2995, or Web document file including MHT).

Alternatively, the electronic document receiving unit 2970 may receive an electronic document for applying for an apartment loan remodeling business fund support company loan product received through the communication means to an image content received by the financial company server 2900 from the terminal device 2995. Image contents including at least one or more of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the application information for subscription to the apartment housing remodeling business funds in a watermarking method (Watermarking) A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 2970 receives the electronic housing remodeling business funds support company loan product subscription application electronic document received through the communication means the financial company server 2900 the terminal device A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or the like) containing the image content received from the 2995 and the apartment house remodeling business fund assistance enterprise loan product subscription information; And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

Alternatively, the electronic document receiving unit 2970 may receive an electronic document for applying for an apartment loan remodeling business fund support company loan product received through the communication means to an image content received by the financial company server 2900 from the terminal device 2995. Image contents including at least one or more of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the application information for subscription to the apartment housing remodeling business funds in a watermarking method (Watermarking) And at least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the application information for subscribing to the apartment building remodeling business fund support company loan product. A word processor file, or a web document file containing MHT). Preferable.

The information generation unit 2757 may include a predetermined electronic document unique number (or unique information) to be assigned to the electronic housing remodeling business fund support company loan product subscription application electronic document received through the electronic document receiving unit 2970, and the electronic Through the document receiving unit (2970) the date and time (or date and time when the electronic home remodeling business funds assistance business loan application subscription electronic document is stored) received the electronic housing remodeling business funds assistance business loan subscription application electronic document received And generating electronic document management information including electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the information generation unit 2975 may transmit the electronic house document remodeling business fund support company loan product subscription application electronic document received through the electronic document receiving unit 2970. It is preferable to check the financial institution that has sent the electronic housing remodeling business funding support business loan application subscription electronic document with reference to, and to generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 2900 through the electronic document receiving unit 2970, the information generating unit 2775 may receive the received electronic document. Send document-related information (e.g., customer (SPC) information for the application for joining the apartment remodeling business fund support company loan product corresponding to the image content, and / or the electronic document for applying for the apartment remodeling business fund support company loan product subscription) It is preferable to generate the electronic document management information further comprising the financial institution information, and / or electronic document file format information, and / or the apartment housing remodeling business funds support company loan product subscription information, etc.).

The electronic document storage unit 2980 stores the electronic document management information generated through the apartment remodeling business fund support company loan product subscription application received through the electronic document receiving unit 2970 and the information generation unit 2975. It is characterized by storing in a predetermined electronic document D / B (2985) by the cooperative process.

According to an exemplary embodiment of the present invention, the electronic document storage unit 2980 stores the electronic housing D / B 2985 in the multi-family housing remodeling business fund support company loan product subscription application electronic document is the financial company server 2900 Preferably includes an image file including the image content received from the terminal device 2995 as it is.

Alternatively, an electronic document storage application 2980 stored in the electronic document D / B 2985 may be an electronic document remodeling business fund support company loan product subscription application electronic document of the financial company server 2900 by the terminal device 2995. Watermarking at least one or more of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the apartment housing remodeling business funds support company loan product subscription application information received from the It is preferable to include an image file corresponding to the image content to include in a manner.

According to another exemplary embodiment of the present invention, the electronic document storage unit 2980 stores the electronic housing D / B 2985 in a multi-family housing remodeling business fund support company loan product subscription application electronic document is the financial company server 2900 ) Includes at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the image content received from the terminal device 2995. A word processor file, or a web document file including MHT).

Alternatively, an electronic document storage application 2980 stored in the electronic document D / B 2985 may be an electronic document remodeling business fund support company loan product subscription application electronic document of the financial company server 2900 by the terminal device 2995. Watermarking method of at least one of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the application information to the apartment housing remodeling business loan support business information received from the A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including image content including a file, or an MHT. Web document files, etc.) to be included.

According to another embodiment of the present invention, the electronic document storage unit 2980 is stored in the electronic document D / B (2985) apartment housing remodeling business funds support enterprise loan product subscription application electronic document is the financial company server ( A predetermined document file (eg, a PDF (Portable Document Format) file or EDI (Electronic) that includes the image content received from the terminal device 2995 and the apartment remodeling business fund assistance company loan product subscription information). Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, an electronic document storage application 2980 stored in the electronic document D / B 2985 may be an electronic document remodeling business fund support company loan product subscription application electronic document of the financial company server 2900 by the terminal device 2995. Watermarking method of at least one of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the application information to the apartment housing remodeling business loan support business information received from the A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) including image content included in the document and information for applying for subscription to the apartment remodeling business funds And a word processor file including at least one of the above, or a web document file including the MHT). Is recommended.

According to the implementation method of the present invention, the electronic document storage unit 2980 is electronic document management to store in the electronic document D / B (2985) stored in the electronic document D / B (2985) by processing in connection with the electronic housing remodeling business funds support enterprise loan product subscription application electronic document The information may include a predetermined electronic document unique number (or unique information) assigned to the electronic housing remodeling business fund support company loan product subscription application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document storage unit 2980 stores the electronic document in the electronic document D / B 2985 in association with the electronic housing remodeling business fund support company loan product subscription application electronic document. The management information is transmitted to the multi-family remodeling business fund support company loan product subscription application electronic document confirmed with reference to the financial institution server 2900 which transmitted the multi-family remodeling business fund support company loan product subscription application electronic document. It is preferable to further include information on a financial institution.

According to another exemplary embodiment of the present invention, when a predetermined electronic document-related information is further received from the financial company server 2900, the electronic document storage unit 2980 requests to subscribe to the corporate housing remodeling business fund support company apartment product. Electronic document management information stored in the electronic document D / B 2985 in association with an electronic document is stored in the electronic document related information (for example, a multi-unit housing remodeling business fund support company loan product subscription corresponding to the image content). Customer (SPC) information that filled out the application form, and / or financial institution information for transmitting the electronic housing remodeling business loan application electronic loan application, and / or electronic document file format information, and / or the apartment housing remodeling business. Funding company loan product subscription application information, etc.) is preferably included.

30 is a storage medium 2990, which stores the apartment housing remodeling business fund support company loan product subscription information corresponding to the apartment house remodeling business fund support company loan product account opened in a face-to-face manner according to an embodiment of the present invention. A diagram showing an implementation method included in a DBMS on a system.

In more detail, FIG. 30 illustrates that when the storage medium 2900 illustrated in FIG. 29 is the ledger D / B 3000 provided in the DBMS on the financial system, or the ledger D / B 3000 is provided in the ledger D / B 3000. As the information structure for an implementation method of storing the multi-unit housing remodeling business fund support company loan product subscription information in the ledger information provided in the ledger D / B (3000), the general knowledge in the technical field to which the present invention belongs. If you have a person, it will be able to infer a variety of information configuration methods for storing the apartment housing remodeling business funds support company loan product subscription information in the ledger D / B (3000) by referring to and / or modified in this figure 30, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 30 according to an embodiment of the present invention, the ledger information included in the ledger D / B 3000 provided in the DBMS on the financial system includes a predetermined customer (SPC) ledger, the customer (SPC) ledger and It is shown to include the account ledger corresponding to the financial account opened through the system of remodeling business fund-supported business loan product account opening system shown in FIG. 29 and at least one information associated with the account ledger. Those skilled in the art to which the present invention pertains include at least one ledger other than the customer (SPC) ledger and account ledger shown in this drawing 30 in the ledger D / B 3000 provided in the DBMS on the financial system. (Eg, a ledger, loan ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers clearly. It will be understood, and the specific technical matters will be understood, so a detailed description thereof will be omitted for convenience.

The head of the customer (SPC) is CIF (Customer Information File) number, country code, contact person ID, branch number, customer (SPC) classification, customer (SPC) name, customer (SPC) address, regional classification code, telephone number, business place No., Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW , DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The ledger of the customer (SPC) includes ledger information for the customer (SPC) including at least one or more, such as individual customers (SPC), corporate customers (SPC), minors.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer (SPC) ledger, so the detailed description thereof will be omitted for convenience.

In addition, the account ledger is relationally linked to the customer (SPC) ledger, and as a ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit, final withdrawal amount It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. At least one of: periodic reception information including at least one of a period, a number of days, a period extension, an expiration date, and a target amount; and / or an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information including the above, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI number, batch number (Batch No.), compound transaction, date of payment corresponding to the account ledger. Transaction information including at least one bank account line, summary, CIF, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the storage medium 2990 is the ledger D / B 3000 or the present invention including the implementation method provided in the ledger D / B 3000. Apartment housing remodeling business fund support shown in Figure 29 The apartment house remodeling business fund support provided through the system for opening a business loan account account information (SPC) information and loan approval amount information, construction sales included in the application information for subscription application The multi-unit housing remodeling business loan support company loan product subscription information including at least one or more bond information is stored in the form of additional information added to the account ledger.

The combination cost information may include information on the amount of money to be spent during the remodeling business, for a union established by a member (eg, the owner) of the apartment house to be remodeled to promote the remodeling business. It may be changed according to the intention and purpose of those skilled in the art.

When the remodeling business starts the remodeling business for the remodeling apartment house, the construction cost information preferably includes at least one information on the amount of money required for construction during the remodeling project and at least one remodeling apartment house information. And depending on the purpose.

The construction sales receivable information is the contractor started the remodeling business as the main business activities for the remodeling business for the remodeled apartment, but the accounts receivable information on the uncollected amount and the receivable information on the notes received, It is preferable to include at least one housing information, it may be changed according to the intention and purpose of those skilled in the art.

The customer (SPC) information is the personal information of the customer (SPC) (for example, the name of the customer (SPC), social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the member information of the customer (SPC) ( For example, when the customer SPC joins the financial transaction customer SPC of the financial institution, the financial system linked with the apartment remodeling business fund support company loan product account opening system in response to the customer SPC. At least one member ID information, or CIF (Customer Information File), etc., which are provided in the customer (SPC) ledger provided therein, is preferably included.

The loan approval amount information is for the customer (SPC) applying for subscription to the apartment remodeling business fund support company loan product, the combination cost information and construction cost information included in the apartment remodeling business fund support company loan product subscription information It is preferable to include the amount of information calculated in connection with the security ratio, and may be changed according to the intention and purpose of those skilled in the art.

In addition, the loan approval amount information is a loan support money corresponding to the construction cost of the loan approval amount, without supporting the loan approval amount in full to the customer (SPC) applying for subscription to the apartment remodeling business funds support company loan product It is desirable to provide limited support in response to ready-made high after confirming ready-made.

According to another exemplary embodiment of the present invention, the apartment house remodeling business fund support company loan product subscription application information is stored in the form of information included in the account ledger (not shown), and / or other ledger other than the account ledger. (Eg, additional information added to the customer (SPC) ledger), and / or in the form of a separate independent ledger in addition to the account ledger can be all, and the present invention is not limited thereby.

31 is a storage medium 3105 for storing the multi-family remodeling business funds assistance company loan product subscription information corresponding to the multi-family remodeling business funds assistance company loan product account opened in a face-to-face manner according to another embodiment of the present invention. A diagram showing an implementation method including a database linked to the ledger D / B 3100 provided in a DBMS on a financial system.

More specifically, FIG. 31 shows an information structure for an embodiment in which the storage medium 2900 shown in FIG. 29 includes a predetermined database linked to the ledger D / B 3100 provided in a DBMS on a financial system. As shown in the drawings, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 31, and the subscription information of the multi-family housing remodeling business fund support company loan product subscription information may be added to a predetermined database. It is possible to infer a variety of information configuration method to be stored in conjunction with / B (3100), but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, FIG. 31 illustrates a case in which it is not easy to store the subscription information of the apartment remodeling business fund support company loan product in the ledger information of the ledger D / B 3100 on the DBMS provided on the financial system. In the policy of the institution, it is not easy to change the ledger D / B 3100 of the DBMS, or the system expansion is not easy due to the characteristics of the financial system). Apartment housing remodeling business fund support company loan product subscription information is stored, and the database and the ledger D / B (3100) is an implementation method for storing the linked processing.

In addition, the database shown in FIG. 31 need not be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 31, and the database on the Internet banking system according to the intention of the person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 31, the storage medium 3105 includes a database associated with the ledger D / B 3100 provided in a DBMS on a financial system. Saving the remodeling business fund support company loan product subscription information including at least one or more of the customer (SPC) information, loan approval amount information, construction sales receivable information included in the application information for the application for remodeling business loans The CIF corresponding to the ledger information in the multi-family remodeling business capital support company loan product subscription information to be processed in connection with the ledger D / B (3100). It is preferable that a number is further included.

The combination cost information may include information on the amount of money to be spent during the remodeling business, for a union established by a member (eg, the owner) of the apartment house to be remodeled to promote the remodeling business. It may be changed according to the intention and purpose of those skilled in the art.

When the remodeling business starts the remodeling business for the remodeling apartment house, the construction cost information preferably includes at least one information on the amount of money required for construction during the remodeling project and at least one remodeling apartment house information. And depending on the purpose.

The construction sales receivable information is the contractor started the remodeling business as the main business activities for the remodeling business for the remodeled apartment, but the accounts receivable information on the uncollected amount and the receivable information on the notes received, It is preferable to include at least one house information, it may be changed according to the intention and purpose of those skilled in the art.

The customer (SPC) information is the personal information of the customer (SPC) (for example, the name of the customer (SPC), social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the member information of the customer (SPC) ( For example, when the customer SPC joins the financial transaction customer SPC of the financial institution, the financial system linked with the apartment remodeling business fund support company loan product account opening system in response to the customer SPC. At least one member ID information, or CIF (Customer Information File), etc., which are provided in the customer (SPC) ledger provided therein, is preferably included.

The loan approval amount information is for the customer (SPC) applying for subscription to the apartment remodeling business fund support company loan product, the combination cost information and construction cost information included in the apartment remodeling business fund support company loan product subscription information It is preferable to include the amount of information calculated in connection with the security ratio, and may be changed according to the intention and purpose of those skilled in the art.

In addition, the loan approval amount information is a loan support money corresponding to the construction cost of the loan approval amount, without supporting the loan approval amount in full to the customer (SPC) applying for subscription to the apartment remodeling business funds support company loan product It is desirable to provide limited support in response to ready-made high after confirming ready-made.

32 is a storage medium 3105 for storing a multi-family remodeling business fund support company loan product subscription information corresponding to a multi-family remodeling business fund support company loan product account opened in a face-to-face manner according to another embodiment of the present invention. Is a diagram illustrating an implementation method including a DBMS provided in a banking server.

More specifically, Figure 32 shows a predetermined banking system in which the storage medium 2900 shown in Figure 29 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. The present invention relates to a method provided in a DBMS provided in a server. Those skilled in the art to which the present invention pertains are provided with at least one banking server by referring to and / or modifying the drawing of FIG. Although it may be possible to infer a method of constructing information on the apartment housing remodeling business fund support company loan product subscription information stored in a predetermined DBMS, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited to only.

According to another embodiment of the present invention, referring to FIG. 32, in which the storage medium 3105 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server includes the fund for remodeling the apartment house. Characterized in that the store (SPC) information, loan approval amount information, construction sales receivables information included in the support company loan product subscription application information, characterized in that it stores the apartment housing remodeling business funds support company loan product subscription information .

The combination cost information may include information on the amount of money to be spent during the remodeling business, for a union established by a member (eg, the owner) of the apartment house to be remodeled to promote the remodeling business. It may be changed according to the intention and purpose of those skilled in the art.

When the remodeling business starts the remodeling business for the remodeling apartment house, the construction cost information preferably includes at least one information on the amount of money required for construction during the remodeling project and at least one remodeling apartment house information. And depending on the purpose.

The construction sales receivable information is the contractor started the remodeling business as the main business activities for the remodeling business for the remodeled apartment, but the accounts receivable information on the uncollected amount and the receivable information on the notes received, It is preferable to include at least one house information, it may be changed according to the intention and purpose of those skilled in the art.

The customer (SPC) information is the personal information of the customer (SPC) (for example, the name of the customer (SPC), social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the member information of the customer (SPC) ( For example, when the customer SPC joins the financial transaction customer SPC of the financial institution, the financial system linked with the apartment remodeling business fund support company loan product account opening system in response to the customer SPC. At least one member ID information, or CIF (Customer Information File), etc., which are provided in the customer (SPC) ledger provided therein, is preferably included.

The loan approval amount information is for the customer (SPC) applying for subscription to the apartment remodeling business fund support company loan product, the combination cost information and construction cost information included in the apartment remodeling business fund support company loan product subscription information It is preferable to include the amount of information calculated in connection with the security ratio, and may be changed according to the intention and purpose of those skilled in the art.

In addition, the loan approval amount information is a loan support money corresponding to the construction cost of the loan approval amount, without supporting the loan approval amount in full to the customer (SPC) applying for subscription to the apartment remodeling business funds support company loan product It is desirable to provide limited support in response to ready-made high after confirming ready-made.

33A and 33B are diagrams illustrating a process of opening a corporate housing remodeling business fund support company loan product account for processing a combination loan and a construction cost as a company loan support amount in a face-to-face manner according to one embodiment of the present invention.

33a and 33b show the terminal terminal 2995 of the multi-unit housing remodeling business fund support company loan product account opening system shown in FIG. 29 at a financial institution branch (or branch). In the case where the financial company server 2900 has a ledger server (not shown) function in the financial system linked to the counter terminal through a predetermined financial network, a predetermined customer (SPC) uses a combination cost and a construction cost in accordance with an established loan. Apartment housing remodeling business fund support for processing as the support amount Apartment housing remodeling business fund support corporate loan including at least one of customer (SPC) information, union cost information, construction cost information, construction sales receivable information to open a corporate loan product account After completing and submitting a product subscription application form, the financial institution remodels business funding support company loan product It is about the system configuration for opening and processing apartment housing remodeling business fund support company loan product account on a face-to-face basis based on the application form. When the information is submitted to the window, the window terminal acquires predetermined image contents corresponding to the application for joining the apartment remodeling business fund support company loan product through a predetermined image acquisition device and transmits the predetermined image content to the financial company server 2900, Entering (or selecting) the multi-family remodeling business capital support company loan product subscription application information corresponding to the multi-family remodeling business money support company loan product subscription application and transmitting the information to the financial company server 2900, the financial company server 2900 The customer (SPC) information, combination cost information, construction cost information, public Accounts receivable information to the public housing renovation projects funded corporate loans as a subscription-based product information shows an exemplary method for processing established the House of Commons remodeling projects funded enterprise loan accounts, including at least one.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 33a and 33b to join the apartment remodeling business fund support company loan product to the financial company server 2900 at the window terminal. Various implementation methods for registering application information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 33A and 33B.

For example, the implementation method illustrated in FIGS. 33A and 33B includes a process of generating a predetermined electronic document corresponding to the application for joining the apartment remodeling business fund support company loan product and storing it in an electronic document repository. The procedure may be omitted according to the intention of the skilled person, and the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 33A and 33B including the electronic document generation and storage process, the counter terminal corresponds to the application for joining the apartment remodeling business fund support company loan product through a predetermined image acquisition device. The financial company server may include a user interface for acquiring a predetermined image content and inputting (or selecting) information on a multi-family remodeling business loan support company loan product subscription application corresponding to the multi-family remodeling business fund support company loan product subscription application. Although illustrated as being provided from 2900, when a predetermined information registration program is provided in the window terminal, the user interface may not be provided from the financial institution server 2900, and thus the present invention is not limited thereto. .

In the following Figures 33A and 33B, the window terminal shown in Figure 29 is referred to as "terminal" for convenience, and the financial institution server 2900 shown in Figure 29 is referred to as "server" for convenience.

Referring to FIGS. 33A and 33B, at least one SPC information, combination cost information, construction cost information, and construction sales receivable information is used by a predetermined customer (SPC) to process the combination cost and construction cost as a corporate loan support amount. After completing and submitting the application form for joining a remodeling business fund supporting company loan product including the above, the window terminal shown in FIG. 29 is connected to the server through a predetermined financial network and connected to a predetermined communication channel. When requesting a user interface for processing a combination loan and a construction cost corresponding to an application for joining a business loan remodeling business loan product subscription application as a corporate loan support amount (3300), the server correspondingly requests a predetermined image from the terminal. Apartment loan remodeling business funds supported by the customer (SPC) through the acquisition device Generating (or extracting) a user interface for acquiring and transmitting predetermined image content corresponding to the application to the server (3305), and transmitting the generated (or extracted) user interface to the terminal through the financial network; Output (3310).

Subsequently, the terminal acquires image content corresponding to the application for joining the apartment remodeling business fund support company loan product through a predetermined image acquisition device based on the user interface (3315).

If the image content corresponding to the application for joining the apartment remodeling business money support company loan product through the image acquisition device is obtained (3320), the terminal transmits the acquired image content to the server through the financial network. (3325).

Thereafter, the server is reconstructed a multi-family housing including at least one customer (SPC) information, combination cost information, construction cost information, construction sales receivable information corresponding to the apartment housing remodeling business funds support company loan product subscription application matching the image content Generate (or extract) a user interface for inputting (or selecting) business loan-supported enterprise loan product subscription application information to the server (3330), and generate the generated (or extracted) user interface through the financial network. The signal is transmitted to the terminal and output (3335).

Subsequently, the terminal inputs (or selects) the apartment home remodeling business fund support enterprise loan product subscription application information including at least one of the customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information through the user interface. (3340).

If through the user interface (SPC) information, combination cost information, construction cost information, construction housing remodeling business fund support enterprise loan product subscription application information including at least one or more information (3345) is input (or selected) (3345) In operation 3350, the terminal transmits the input (or selection) of the multi-family housing remodeling business fund support company loan product subscription application information to the server through the financial network.

Subsequently, the server receives and reads through the financial network, the apartment housing remodeling business fund support enterprise loan product subscription application information including at least one of the customer (SPC) information, the combination cost information, the construction cost information, and the construction sales receivable information. The validity of the application information for joining the apartment housing remodeling business loan support company loan product is verified (3355).

According to the implementation method of the present invention, the validity of the apartment remodeling business fund support company loan product subscription application information is confirmed by the ledger D / B on the financial system linked to the system for remodeling business loan support company loan product account opening system ( 3100), it is preferable to include whether the at least one or more ledger information matching the application information for applying for apartment loan remodeling business loan business registration is registered.

For example, the validity of the apartment remodeling business fund support company loan product subscription application information is the customer (SPC) information (SPC) of the information contained in the apartment remodeling business fund support company loan product subscription application information. Personal information, member information, etc.) is matched with the customer (SPC) ledger stored in the ledger D / B (3100) on the financial system associated with the apartment remodeling business fund support company loan product account opening system It is preferable to make.

If the validity of the apartment housing remodeling business fund support company loan product subscription application information is not verified (3360), the server generates predetermined financial account error information and transmits it to the terminal (3365), and the apartment house remodeling Business Housing Fund Remodeling in response to the Application for Enrolling Company Loan Products.

On the other hand, if the validity of the apartment housing remodeling business fund support company loan product subscription application information is verified (3360), the server generates a predetermined apartment housing remodeling business fund support company loan product subscription application electronic document including the image content. (3370).

According to an exemplary embodiment of the present invention, the server supports an enterprise loan based on the combination cost and construction cost as an image file including the image content received from the terminal device 295 through the image receiving unit 2920. Apartment housing remodeling for the processing of the amount It is desirable to process the electronic documents to apply for the business loan support business loan product subscription.

Alternatively, the server may include the image content received from the terminal device 295 through the image receiving unit 2920 in the apartment house remodeling business fund support company loan product subscription application information received through the information receiving unit 2915. The company loans an image file corresponding to an image content including at least one or more of SPC information, combination cost information, construction cost information, and construction sales receivable information in a watermarking manner. It is preferable to generate an electronic document for applying for a business loan remodeling business loan support business loan remodeling for processing with the support amount.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) containing the image content received from the terminal device 2995 through the image receiving unit 2920. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is preferable to generate an electronic document for applying for a business loan remodeling business loan support business loan remodeling for processing with the support amount.

Alternatively, the server may include the image content received from the terminal device 295 through the image receiving unit 2920 in the apartment house remodeling business fund support company loan product subscription application information received through the information receiving unit 2915. A predetermined document file including at least one or more information of the customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information by a watermarking method, and including the generated image content. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). Corporate loan remodeling business fund support for processing union and construction expenses as corporate loan support amount Sign up it is preferable to generate the electronic application documents.

According to another exemplary embodiment of the present invention, the server may receive the image content received from the terminal device 2995 through the image receiving unit 2920 and the multi-family house remodeling project received through the information receiving unit 2915. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing at least one document file including application information for applying for funding corporate loan products; Or by generating a web document file including MHT), it is preferable to generate an electronic document for subscription to the apartment housing remodeling business funds support enterprise loan product for processing the combination cost and construction cost as the company loan support amount according to the established high.

Alternatively, the server may include the image content received from the terminal device 295 through the image receiving unit 2920 in the apartment house remodeling business fund support company loan product subscription application information received through the information receiving unit 2915. Generating an image content including at least one or more information of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information by a watermarking method, and the generated image content and the apartment remodeling business fund. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing information on the application for subscribing to an enterprise loan product; or By creating a web document file including the MHT, etc.), the combination and the construction cost according to the existing high To create a public housing renovation projects funded enterprise loan product subscription for the electronic document processing in a circle amounts are preferred.

Those skilled in the art to which the present invention pertains, the technical features that the server generates the electronic housing remodeling business funds support enterprise loan product subscription application electronic document in the image file format and / or predetermined document file format, Since the technical features of the file format for the image file and / or the document file corresponding to the electronic housing remodeling business loan support subscription application electronic document for the apartment will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic housing remodeling business fund assistance enterprise loan product subscription application electronic document in a predetermined electronic document storage (3375).

As shown in FIG. 29, the electronic document repository is connected to a server on the multi-family remodeling business fund support company loan product account opening system and a predetermined electronic document server 2965 and electronic document D / When provided to the outside, including the B (2985), the server transmits the generated electronic housing remodeling business funds support enterprise loan product subscription application electronic document to the electronic document server (2965) through the communication means It is preferable to store in the electronic document D / B (2985).

Alternatively, when the electronic document storage is provided on the DBMS provided in the system for remodeling business loan support company loan product opening system, the server is configured to apply for the electronic housing remodeling business money support company loan product subscription application document. It can be stored in the electronic document D / B (2985) corresponding to the electronic document storage on the DBMS provided in the multi-family housing remodeling business fund support company loan product opening system, whereby the present invention is not limited.

According to the implementation method of the present invention, the electronic housing remodeling business fund support company loan product subscription application electronic document storage in the electronic document storage, the generated multi-family remodeling business fund support company loan product subscription application electronic document and predetermined And the electronic document management information is stored in the electronic document D / B 2985 shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the electronic housing remodeling business fund support company loan product subscription application electronic document and the electronic document storage date and time information. Do.

The electronic document management information may further include financial institution information that transmits the electronic housing remodeling business fund support company loan product subscription application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer (SPC) information for preparing an application for joining an apartment housing remodeling business fund support company loan product corresponding to the image content), and / or the apartment house remodeling business. Financial institution information, and / or electronic document file format information, and / or the information on the application for financial assistance corporate loan product subscription application, etc.) Do.

If the electronic document is stored in the electronic housing remodeling business fund support company loan product subscription application electronic document (3380), the server is included in the multi-family remodeling business funds support company loan product subscription application information (SPC) The financial account information is generated based on the information, the combination cost information, the construction cost information, and the construction sales receivable information (3385).

Herein, the financial account information may include account number and interest rate information corresponding to the multi-family remodeling business fund support company loan product account opened based on the multi-family remodeling business fund support company loan product subscription application information. In addition, when the multi-family housing remodeling business fund support company loan product account includes a savings attribute, it is preferable that the predetermined housing period, payment date and time and payment amount information is further included.

Thereafter, the server is linked to the financial system based on the customer (SPC) information, union cost information, construction cost information, construction sales receivables information included in the apartment housing remodeling business fund support company loan product subscription application information A financial account in the name of the customer (SPC) including the information is opened (3390).

According to an embodiment of the present invention, the server generates a customer ledger (SPC) including the customer (SPC) information included in the financial account opening application information in association with the financial system (or the customer (SPC) information and Check the customer ledger (SPC) that has been matched and provided), and generate predetermined account ledger information including the financial account information, and then add the account ledger information to a predetermined account ledger associated with the customer (SPC) ledger. By storing the, it is characterized in that a predetermined financial account for processing the combination cost and construction costs as a corporate loan support amount in accordance with the existing high cost in response to the apartment housing remodeling business fund support company loan product subscription application information.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the financial account information in the ledger D / B 3100 in association with the financial system. It is desirable to produce.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server transmits the data through an external system on the financial system through a predetermined communication means. It is preferable to request the general ledger D / B 3100 on another financial system to generate a predetermined ledger including the financial account information.

Thereafter, the server is a multi-family housing remodeling business capital support company including at least one or more of the customer (SPC) information, loan approval amount information, construction sales receivables information included in the loan application subscription information information The loan product subscription information is generated and stored in the predetermined storage medium 3105 (3395).

According to an exemplary embodiment of the present invention, when the storage medium 3105 is provided in the server or on a network associated with the server, the server requests to subscribe to the received apartment remodeling business fund support company loan product. It is preferable that the storage medium 3105 stores at least one of the customer (SPC) information, the loan approval amount information, and the construction sales receivable information included in the information. .

According to another exemplary embodiment of the present invention, when the storage medium 3105 is provided in a DBMS provided on a financial system, the server includes the received apartment housing remodeling business fund support company loan product subscription application information. Apartment housing remodeling support fund including at least one customer (SPC) information, loan approval amount information, construction sales receivables information Business loan product subscription information to the financial system by providing information to the information system through the external system on the financial system It is preferable to store in the provided DBMS.

Subsequently, the server may provide a predetermined financial account opening history information (for example, the history of the remodeling business fund support company loan product account opening, and / or the apartment remodeling business money support company loan product subscription to the electronic document repository. A document storing the document, and / or a record of storing the apartment house remodeling business fund assistance company loan product subscription information in the storage medium 3105) (or extracted) and transmits the document to the terminal (3399).

According to an exemplary embodiment of the present invention, the storage medium 3105 is provided on the system for remodeling business loan support company loan product account opening system (or linked with the system for refinancing business loan support company loan model business remodeling business fund). The storage medium 3105 is ledger D / B 3100 provided in the DBMS on the financial system, and / or ledger D / B 3100. It may be any database associated with the present invention, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 3105 is provided on (or associated with) an internet banking system and / or a telebanking system provided on the system for opening an apartment remodeling business fund support company loan product. It is possible to be provided in the DBMS on at least one or more of the banking system, and / or wireless banking system, and / or TV banking system, whereby the present invention is not limited.

34A and 34B are diagrams illustrating a process of opening a multi-unit housing remodeling business fund support company loan product account for processing a combination loan and a construction cost as a company loan support amount in a face-to-face manner according to another exemplary embodiment of the present invention. .

More specifically, FIGS. 34A and 34B are window terminals provided with a terminal device 2995 on a financial institution remodeling business fund support company loan product account opening system shown in FIG. 29 at a financial institution branch (or a branch). In the case where the financial company server 2900 has a ledger server (not shown) function in the financial system linked to the counter terminal through a predetermined financial network, a predetermined customer (SPC) uses a combination cost and a construction cost in accordance with an established loan. Apartment housing remodeling business fund support for processing as the support amount Apartment housing remodeling business fund support corporate loan including at least one of customer (SPC) information, union cost information, construction cost information, construction sales receivable information to open a corporate loan product account After completing and submitting a product subscription application form, the financial institution remodels business funding support company loan product It is about the system configuration for opening and processing apartment housing remodeling business fund support company loan product account in a face-to-face manner based on the application form. Specifically, the customer (SPC) fills out the application form for joining the apartment house remodeling business money support company loan product When submitted to the counter, the financial terminal server 2900 inputs (or selects) the apartment housing remodeling business fund supporting company loan product subscription application information corresponding to the apartment house remodeling business fund supporting company loan product subscription application at the window terminal. After transmitting to the financial institution server 2900, by obtaining a predetermined image content corresponding to the application for joining the apartment remodeling business fund support company loan product through a predetermined image acquisition device to transmit to the financial company server 2900, the financial company server (2900) The customer (SPC) information, combination cost information, construction cost information, public Accounts receivable information to the public housing renovation projects funded corporate loans as a subscription-based product information shows an exemplary method for processing established the House of Commons remodeling projects funded enterprise loan accounts, including at least one.

Those skilled in the art to which the present invention pertains refer to and / or modify the drawings 34a and 34b, and join the multi-family housing remodeling business fund support company loan product to the financial company server 2900 at the window terminal. Various implementation methods for registering application information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 34A and 34B.

For example, in the implementation method illustrated in FIGS. 34A and 34B, the method includes generating a predetermined electronic document corresponding to the application for joining the apartment remodeling business fund support company loan product and storing the electronic document in an electronic document repository. The process may be omitted according to the intention of the person skilled in the art, thereby not limiting the present invention.

In addition, in the implementation method shown in FIGS. 34A and 34B including the electronic document generation and storage process, the counter terminal corresponds to the application for joining the apartment remodeling business fund support company loan product through a predetermined image acquisition device. The financial company server may include a user interface for acquiring a predetermined image content and inputting (or selecting) information on a multi-family remodeling business loan support company loan product subscription application corresponding to the multi-family remodeling business fund support company loan product subscription application. Although illustrated as being provided from 2900, when a predetermined information registration program is provided in the window terminal, the user interface may not be provided from the financial institution server 2900, and thus the present invention is not limited thereto. .

In the following Figures 34a and 34b, the teller terminal shown in Figure 29 is referred to as "terminal" for convenience, and the financial institution server 2900 shown in Figure 29 is referred to as "server" for convenience, and said teller terminal said The customer (SPC) information, combination cost information, construction cost information, construction sales receivable information transmitted to the financial company server 2900 is referred to as "community housing remodeling business capital support company loan product subscription application information" for convenience.

Referring to FIGS. 34A and 34B, a predetermined customer (SPC) at least collects customer (SPC) information, combination cost information, construction cost information, construction sales receivables information to process the combination and construction costs as the company loan support amount according to the established amount. After completing and submitting an application for joining a business remodeling business loan support company loan product including one or more apartments, the window terminal shown in FIG. 29 is connected to the server through a predetermined financial network and connected to a predetermined communication channel. When requesting a user interface for processing the union cost and construction cost corresponding to the application for joining the apartment remodeling business fund support company loan product (3400), and correspondingly the server (SPC) Customer's (SPC) information corresponding to the apartment remodeling business fund support company loan product subscription application which I made Create (or extract) a user interface for inputting (or selecting) apartment house remodeling business loan assistance business loan product subscription application information including at least one of construction cost information and construction sales receivable information to the server (3405). In operation 3410, the generated (or extracted) user interface is transmitted to the terminal through the financial network.

Subsequently, the terminal inputs (or selects) the apartment home remodeling business fund support enterprise loan product subscription application information including at least one of the customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information through the user interface. (3415)

If through the user interface (SPC) information, combination cost information, construction cost information, construction housing remodeling loan fund support application information including at least one or more information (including sales information) is entered (or selected) ( In operation 3425, the terminal transmits the input (or selection) of the multi-family housing remodeling business fund support company loan product subscription application information to the server through the financial network (3425).

Subsequently, the server receives and reads through the financial network, the apartment housing remodeling business fund support enterprise loan product subscription application information including at least one of the customer (SPC) information, the combination cost information, the construction cost information, and the construction sales receivable information. The validity of the application information for joining the apartment housing remodeling business loan support company loan product is verified (3430).

According to the implementation method of the present invention, the validity of the apartment remodeling business fund support company loan product subscription application information is confirmed by the ledger D / B on the financial system linked to the system for remodeling business loan support company loan product account opening system ( 3100), it is preferable to include whether the at least one or more ledger information matching the application information for applying for apartment loan remodeling business loan business registration is registered.

For example, the validity of the apartment remodeling business fund support company loan product subscription application information is the customer (SPC) information (SPC) of the information contained in the apartment remodeling business fund support company loan product subscription application information. Personal information, member information, etc.) is matched with the customer (SPC) ledger stored in the ledger D / B (3100) on the financial system associated with the apartment remodeling business fund support company loan product account opening system It is preferable to make.

If the validity of the apartment housing remodeling business fund support company loan product subscription application information is not certified (3435), the server generates predetermined financial account error information and transmits it to the terminal (3440). Business Housing Fund Remodeling in response to the Application for Enrolling Company Loan Products.

On the other hand, if the validity of the apartment housing remodeling business funds support company loan product subscription application information is verified (3435), the server supports the apartment housing remodeling business funds created by the customer (SPC) through a predetermined image acquisition device in the terminal Create (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to a company loan application subscription application to the server (3445), and the generated (or extracted) user interface through the financial network; The transmission is output to the terminal (3450).

Thereafter, the terminal acquires image content corresponding to the application for joining the apartment remodeling business fund support company loan product through a predetermined image acquisition device based on the user interface (3455).

If the image content corresponding to the apartment remodeling business funds support company loan product subscription application through the image acquisition device is obtained (3460), the terminal transmits the acquired image content to the server through the financial network. (3465).

The server, which has received the apartment house remodeling business fund support company loan product subscription application information and image content from the terminal, generates a predetermined apartment house remodeling business fund support company loan product subscription application electronic document including the image content ( 3470).

According to an exemplary embodiment of the present invention, the server supports an enterprise loan based on the combination cost and construction cost as an image file including the image content received from the terminal device 295 through the image receiving unit 2920. Apartment housing remodeling for the processing of the amount It is desirable to process the electronic documents to apply for the business loan support business loan product subscription.

Alternatively, the server may include the image content received from the terminal device 295 through the image receiving unit 2920 in the apartment house remodeling business fund support company loan product subscription application information received through the information receiving unit 2915. The company loans an image file corresponding to an image content including at least one or more of SPC information, combination cost information, construction cost information, and construction sales receivable information in a watermarking manner. It is preferable to generate an electronic document for applying for a business loan remodeling business loan support business loan remodeling for processing with the support amount.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 2995 through the image receiving unit 2920. Or EDI (Electronic Data Interchange) files, word processor files including at least one or more of HWP / DOC, or web document files including MHT) It is preferable to generate an electronic document for applying for a business loan remodeling business loan support business loan remodeling for processing by the amount.

Alternatively, the server may include the image content received from the terminal device 295 through the image receiving unit 2920 in the apartment house remodeling business fund support company loan product subscription application information received through the information receiving unit 2915. A predetermined document file including at least one or more information of the customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information by a watermarking method, and including the generated image content. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). Corporate loan remodeling business fund support for processing union and construction expenses as corporate loan support amount It is desirable to create a product subscription application electronic document.

According to another exemplary embodiment of the present invention, the server may receive the image content received from the terminal device 2995 through the image receiving unit 2920 and the apartment house remodeling business fund received through the information receiving unit 2915. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing information on the application for subscribing to an enterprise loan product; or By generating a web document file including the MHT, etc., it is preferable to generate the electronic housing remodeling business loan support business loan product subscription application electronic documents for processing the combination cost and construction costs as the company loan support amount according to the established high.

Alternatively, the server may include the image content received from the terminal device 295 through the image receiving unit 2920 in the apartment house remodeling business fund support company loan product subscription application information received through the information receiving unit 2915. Generating an image content including at least one or more information of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information by a watermarking method, and the generated image content and the apartment remodeling business fund. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing information on the application for subscribing to an enterprise loan product; or By creating a web document file including the MHT, etc.), the combination and the construction cost according to the existing high To create a public housing renovation projects funded enterprise loan product subscription for the electronic document processing in a circle amounts are preferred.

Those skilled in the art to which the present invention pertains, the technical features that the server generates the electronic housing remodeling business funds support enterprise loan product subscription application electronic document in the image file format and / or predetermined document file format, Since the technical features of the file format for the image file and / or the document file corresponding to the electronic housing remodeling business loan support subscription application electronic document for the apartment will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic home remodeling business fund assistance company loan product subscription application electronic document in a predetermined electronic document storage (3475).

As shown in FIG. 29, the electronic document repository is connected to a server on the multi-family remodeling business fund support company loan product account opening system and a predetermined electronic document server 2965 and electronic document D connected through a predetermined communication means. When provided to the outside including / B (2985), the server is transmitted to the electronic document server (2965) through the communication means for the electronic document remodeling business funds support company loan product subscription request electronic document generated by the communication means It is preferable to store in the electronic document D / B (2985).

Or, if the electronic document storage is provided on the DBMS provided in the system for remodeling business loan support company loan product opening system, the server is the electronic housing remodeling business money support company loan product subscription application electronic document generated It can be stored in the electronic document D / B (2985) corresponding to the electronic document storage on the DBMS provided in the multi-family housing remodeling business fund support company loan product opening system, whereby the present invention is not limited.

According to the implementation method of the present invention, the electronic housing remodeling business fund support company loan product subscription application electronic document storage in the electronic document storage, the generated multi-family remodeling business fund support company loan product subscription application electronic document and predetermined And the electronic document management information is stored in the electronic document D / B 2985 shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the electronic housing remodeling business fund support company loan product subscription application electronic document and the electronic document storage date and time information. Do.

The electronic document management information may further include financial institution information that transmits the electronic housing remodeling business fund support company loan product subscription application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer (SPC) information for preparing an application for joining an apartment housing remodeling business fund support company loan product corresponding to the image content), and / or the apartment house remodeling business. Financial institution information, and / or electronic document file format information, and / or the information on the application for financial assistance corporate loan product subscription application, etc.) Do.

If the electronic document is stored in the electronic housing remodeling business fund support company loan product subscription application electronic document (3480), the server is included in the multi-family remodeling business fund support company loan product subscription application information (SPC) The financial account information is generated based on the information, the combination cost information, the construction cost information, and the construction sales receivable information (3485).

Herein, the financial account information may include account number and interest rate information corresponding to the multi-family remodeling business fund support company loan product account opened based on the multi-family remodeling business fund support company loan product subscription application information. In addition, when the multi-family housing remodeling business fund support company loan product account includes a savings attribute, it is preferable that the predetermined housing period, payment date and time and payment amount information is further included.

Thereafter, the server is linked to the financial system based on the customer (SPC) information, union cost information, construction cost information, construction sales receivables information included in the apartment housing remodeling business fund support company loan product subscription application information A financial account in the name of the customer (SPC) including the information is opened (3490).

According to an embodiment of the present invention, the server generates a customer ledger (SPC) including the customer (SPC) information included in the financial account opening application information in association with the financial system (or the customer (SPC) information and Check the customer ledger (SPC) that has been matched and provided), and generate predetermined account ledger information including the financial account information, and then add the account ledger information to a predetermined account ledger associated with the customer (SPC) ledger. By storing the, it is characterized in that a predetermined financial account for processing the combination cost and construction costs as a corporate loan support amount in accordance with the existing high cost in response to the apartment housing remodeling business fund support company loan product subscription application information.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the financial account information in the ledger D / B 3100 in association with the financial system. It is desirable to produce.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 3100 on the financial system to generate a predetermined ledger including the financial account information.

Thereafter, the server is a multi-family housing remodeling business capital support company including at least one or more of the customer (SPC) information, loan approval amount information, construction sales receivables information included in the loan application subscription information information The loan product subscription information is generated and stored in a predetermined storage medium 3105 (3495).

According to an exemplary embodiment of the present invention, when the storage medium 3105 is provided in the server or on a network associated with the server, the server requests to subscribe to the received apartment remodeling business fund support company loan product. It is preferable that the storage medium 3105 stores at least one of the customer housing (SPC) information, loan approval amount information, and construction sales receivable information included in the information. Do.

According to another exemplary embodiment of the present invention, when the storage medium 3105 is provided in a DBMS provided on a financial system, the server includes the received apartment housing remodeling business fund support company loan product subscription application information. Apartment housing remodeling business fund support including at least one or more customer (SPC) information, loan approval amount information, construction sales receivables information Business loan product subscription information provided to the information system through the external system on the financial system provided on the financial system It is preferable to store in the DBMS.

Subsequently, the server may provide a predetermined financial account opening history information (for example, the history of the remodeling business fund support company loan product account opening, and / or the apartment remodeling business money support company loan product subscription to the electronic document repository. A document storing the document, and / or a record of storing the apartment housing remodeling business fund support company loan product subscription information in the storage medium 3105) (or extracted) and transmits the document to the terminal (3499).

According to an exemplary embodiment of the present invention, the storage medium 3105 is provided on the system for remodeling business loan support company loan product account opening system (or linked with the system for refinancing business loan support company loan model business remodeling business fund). The storage medium 3105 is a ledger D / B 3100 provided in the DBMS on the financial system, and / or the ledger D / B 3100. It may be any database associated with the present invention, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 3105 may be provided on (or linked to) an internet banking system, and / or a telebanking system provided on the system for opening an apartment remodeling business fund support company loan product. And / or a DBMS on at least one of the wireless banking system, and / or the TV banking system. The present invention is not limited thereto.

35A and 35B illustrate a process of opening a multi-unit housing remodeling business fund support company loan product account for processing a combination loan and a construction cost as a company loan support amount in a face-to-face manner according to another exemplary embodiment of the present invention. to be.

In more detail, FIGS. 35A and 35B are window terminals provided with a terminal device 2995 on a system for remodeling business funds supported by a corporate housing remodeling business loan shown in FIG. 29 at a financial institution branch (or a branch). In the case where the financial company server 2900 has a ledger server (not shown) function in the financial system linked to the counter terminal through a predetermined financial network, the predetermined customer (SPC) sets the cost according to the established cost. Apartment housing remodeling business fund support for processing as the amount of money to be supported by the apartments After filling out and submitting the loan product subscription application form, the financial institution remodeling business fund support company loan product It is about the system configuration for opening and processing apartment housing remodeling business fund support company loan product account in a face-to-face manner based on the application form. Specifically, the customer (SPC) fills out the application form for joining the apartment house remodeling business money support company loan product When submitted to the counter, the counter terminal acquires a predetermined image content corresponding to the application for joining the apartment remodeling business fund support company loan product through a predetermined image acquisition device, and supports the apartment house remodeling business fund support company loan product. After inputting (or selecting) the apartment housing remodeling business fund support company loan product subscription application information corresponding to the subscription application, the financial company server 2900 displays the image content and the apartment house remodeling business fund support company loan product subscription application information. When sent to, the financial institution server The multi-family remodeling business fund support based on the multi-family housing remodeling business fund support company loan product subscription application information including at least one of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information at 2900 It shows the implementation method of opening and processing a corporate loan product account.

Those skilled in the art to which the present invention pertains refer to and / or modify the drawings 35a and 35b to join the apartment remodeling business fund support company loan product to the financial company server 2900 at the window terminal. Various implementation methods for registering the application information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 35A and 35B.

For example, the implementation method illustrated in FIGS. 35A and 35B includes a process of generating a predetermined electronic document corresponding to the application for joining the apartment remodeling business fund support company loan product and storing the electronic document in an electronic document repository. The procedure may be omitted according to the intention of the skilled person, and the present invention is not limited thereto.

In addition, in the implementation method shown in FIGS. 35A and 35B including the electronic document generation and storage process, the counter terminal corresponds to the application for joining the apartment remodeling business fund support company loan product through a predetermined image acquisition device. The financial company server may include a user interface for acquiring a predetermined image content and inputting (or selecting) information on a multi-family remodeling business loan support company loan product subscription application corresponding to the multi-family remodeling business fund support company loan product subscription application. Although illustrated as being provided from 2900, when a predetermined information registration program is provided in the window terminal, the user interface may not be provided from the financial institution server 2900, and thus the present invention is not limited thereto. .

Hereinafter, the window terminal shown in FIG. 29 in FIGS. 35A and 35B will be referred to as "terminal" for convenience, and the financial company server 2900 shown in FIG. 29 will be referred to as "server" for convenience. The customer (SPC) information, combination cost information, construction cost information, construction sales receivable information transmitted to the financial company server 2900 is referred to as "community housing remodeling business capital support company loan product subscription application information" for convenience.

Referring to FIGS. 35A and 35B, at least one SPC information, a combination cost information, a construction cost information, and a construction sales receivable information may be provided to a predetermined customer (SPC) to process the combination and construction costs as a corporate loan support amount according to the established bill. After completing and submitting the application form for joining a remodeling business fund supporting company loan product including the above, the window terminal shown in FIG. 29 is connected to the server through a predetermined financial network and connected to a predetermined communication channel. When requesting a user interface for processing a combination loan and a construction cost corresponding to an application for joining a business remodeling business loan support company loan product (3500), the server requests the user ( Apartment housing corresponding to the application form for corporate loan remodeling business funds supported by SPC) Enter (or select) modeling business fund support company loan product subscription application information, and acquire predetermined image content corresponding to the apartment remodeling business fund support company loan product subscription application through a predetermined image acquisition device to the server. A user interface for transmission is generated (or extracted) (3505), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (3510).

Subsequently, the terminal inputs (or selects) the apartment home remodeling business fund support enterprise loan product subscription application information including at least one of the customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information through the user interface. (3515).

If through the user interface (SPC) information, combination cost information, construction cost information, construction housing remodeling business fund support enterprise loan product subscription application information including at least one or more information (entering) is input (or selected) (3520) In operation 3525, the terminal acquires image contents corresponding to the application for subscription to the apartment remodeling business fund support company loan product through a predetermined image acquisition device based on the user interface.

If image contents corresponding to the application for joining the apartment remodeling business fund support company loan product through the image acquisition device are acquired (3530), the terminal subscribes to the apartment remodeling business fund support company loan product through the financial network. The application information and the image content are transmitted to the server (3535).

Subsequently, the server receives and reads through the financial network, the apartment housing remodeling business fund support enterprise loan product subscription application information including at least one of the customer (SPC) information, the combination cost information, the construction cost information, and the construction sales receivable information. The validity of the apartment housing remodeling business fund support company loan product subscription application information is verified (3540).

According to the implementation method of the present invention, the validity of the apartment remodeling business fund support company loan product subscription application information is confirmed by the ledger D / B on the financial system linked to the system for remodeling business loan support company loan product account opening system ( 3100), it is preferable to include whether the at least one or more ledger information matching the application information for applying for apartment loan remodeling business loan business registration is registered.

For example, the validity of the apartment remodeling business fund support company loan product subscription application information is the customer (SPC) information (SPC) of the information contained in the apartment remodeling business fund support company loan product subscription application information. Personal information, member information, etc.) is matched with the customer (SPC) ledger stored in the ledger D / B (3100) on the financial system associated with the apartment remodeling business fund support company loan product account opening system It is preferable to make.

If the validity of the apartment housing remodeling business fund support company loan product subscription application information is not certified (3545), the server generates predetermined financial account error information and transmits it to the terminal (3550), and the apartment house remodeling Business Housing Fund Remodeling in response to the Application for Enrolling Company Loan Products.

On the other hand, if the validity of the apartment home remodeling business fund support company loan product subscription application information is verified (3545), the server generates a predetermined apartment home remodeling business fund support company loan product subscription application electronic document including the image content. (3555).

According to an exemplary embodiment of the present invention, the server supports an enterprise loan based on the combination cost and construction cost as an image file including the image content received from the terminal device 295 through the image receiving unit 2920. Apartment housing remodeling for the processing of the amount It is desirable to process the electronic documents to apply for the business loan support business loan product subscription.

Alternatively, the server may include the image content received from the terminal device 295 through the image receiving unit 2920 in the apartment house remodeling business fund support company loan product subscription application information received through the information receiving unit 2915. The company loans an image file corresponding to an image content including at least one or more of SPC information, combination cost information, construction cost information, and construction sales receivable information in a watermarking manner. It is preferable to generate an electronic document for applying for a business loan remodeling business loan support business loan remodeling for processing with the support amount.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 2995 through the image receiving unit 2920. Or EDI (Electronic Data Interchange) files, word processor files including at least one or more of HWP / DOC, or web document files including MHT) It is preferable to generate an electronic document for applying for a business loan remodeling business loan support business loan remodeling for processing by the amount.

Alternatively, the server may include the image content received from the terminal device 295 through the image receiving unit 2920 in the apartment house remodeling business fund support company loan product subscription application information received through the information receiving unit 2915. A predetermined document file including at least one or more information of the customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information by a watermarking method, and including the generated image content. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). Corporate loan remodeling business fund support for processing union and construction expenses as corporate loan support amount It is desirable to create a product subscription application electronic document.

According to another exemplary embodiment of the present invention, the server may receive the image content received from the terminal device 2995 through the image receiving unit 2920 and the apartment house remodeling business fund received through the information receiving unit 2915. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing information on the application for subscribing to an enterprise loan product; or By generating a web document file including the MHT, etc., it is preferable to generate the electronic housing remodeling business loan support business loan product subscription application electronic documents for processing the combination cost and construction costs as the company loan support amount according to the established high.

Alternatively, the server may include the image content received from the terminal device 295 through the image receiving unit 2920 in the apartment house remodeling business fund support company loan product subscription application information received through the information receiving unit 2915. Generating an image content including at least one or more information of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information by a watermarking method, and the generated image content and the apartment remodeling business fund. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing information on the application for subscribing to an enterprise loan product; or By creating a web document file including the MHT, etc.), the combination and the construction cost according to the existing high To create a public housing renovation projects funded enterprise loan product subscription for the electronic document processing in a circle amounts are preferred.

Those skilled in the art to which the present invention pertains, the technical features that the server generates the electronic housing remodeling business funds support enterprise loan product subscription application electronic document in the image file format and / or predetermined document file format, Since the technical features of the file format for the image file and / or the document file corresponding to the electronic housing remodeling business loan support subscription application electronic document for the apartment will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic home remodeling business fund assistance company loan product subscription application electronic document in a predetermined electronic document storage (3560).

As shown in FIG. 29, the electronic document repository is connected to a server on the multi-family remodeling business fund support company loan product account opening system and a predetermined electronic document server 2965 and electronic document D connected through a predetermined communication means. When provided to the outside including / B (2985), the server is transmitted to the electronic document server (2965) through the communication means for the electronic document remodeling business funds support company loan product subscription request electronic document generated by the communication means It is preferable to store in the electronic document D / B (2985).

Or, if the electronic document storage is provided on the DBMS provided in the system for remodeling business loan support company loan product opening system, the server is the electronic housing remodeling business money support company loan product subscription application electronic document generated It can be stored in the electronic document D / B (2985) corresponding to the electronic document storage on the DBMS provided in the multi-family housing remodeling business fund support company loan product opening system, whereby the present invention is not limited.

According to the implementation method of the present invention, the electronic housing remodeling business fund support company loan product subscription application electronic document storage in the electronic document storage, the generated multi-family remodeling business fund support company loan product subscription application electronic document and predetermined And the electronic document management information is stored in the electronic document D / B 2985 shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the electronic housing remodeling business fund support company loan product subscription application electronic document and the electronic document storage date and time information. Do.

The electronic document management information may further include financial institution information that transmits the electronic housing remodeling business fund support company loan product subscription application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer (SPC) information for preparing an application for joining an apartment housing remodeling business fund support company loan product corresponding to the image content), and / or the apartment house remodeling business. Financial institution information, and / or electronic document file format information, and / or the information on the application for financial assistance corporate loan product subscription application, etc.) Do.

If the electronic document is stored in the electronic housing remodeling business fund support company loan product subscription application (3565), the server is included in the multi-family remodeling business fund support company loan product subscription application information (SPC) The financial account information is generated based on the information, the combination cost information, the construction cost information, and the construction sales receivable information (3570).

Herein, the financial account information may include account number and interest rate information corresponding to the multi-family remodeling business fund support company loan product account opened based on the multi-family remodeling business fund support company loan product subscription application information. In addition, when the multi-family housing remodeling business fund support company loan product account includes a savings attribute, it is preferable that the predetermined housing period, payment date and time and payment amount information is further included.

Thereafter, the server is linked to the financial system based on the customer (SPC) information, union cost information, construction cost information, construction sales receivables information included in the apartment housing remodeling business fund support company loan product subscription application information A financial account in the name of the customer (SPC) including the information is opened (3575).

According to an embodiment of the present invention, the server generates a customer ledger (SPC) including the customer (SPC) information included in the financial account opening application information in association with the financial system (or the customer (SPC) information and Check the customer ledger (SPC) that has been matched and provided), and generate predetermined account ledger information including the financial account information, and then add the account ledger information to a predetermined account ledger associated with the customer (SPC) ledger. By storing the, it is characterized in that a predetermined financial account for processing the combination cost and construction costs as a corporate loan support amount in accordance with the existing high cost in response to the apartment housing remodeling business fund support company loan product subscription application information.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the financial account information in the ledger D / B 3100 in association with the financial system. It is desirable to produce.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 3100 on the financial system to generate a predetermined ledger including the financial account information.

Thereafter, the server is a multi-family housing remodeling business capital support company including at least one or more of the customer (SPC) information, loan approval amount information, construction sales receivables information included in the loan application subscription information information The loan product subscription information is generated and stored in the predetermined storage medium 3105 (3580).

According to an exemplary embodiment of the present invention, when the storage medium 3105 is provided in the server or on a network associated with the server, the server requests to subscribe to the received apartment remodeling business fund support company loan product. It is preferable that the storage medium 3105 stores at least one of the customer housing (SPC) information, loan approval amount information, and construction sales receivable information included in the information. Do.

According to another exemplary embodiment of the present invention, when the storage medium 3105 is provided in a DBMS provided on a financial system, the server includes the received apartment housing remodeling business fund support company loan product subscription application information. Apartment housing remodeling business fund support including at least one or more customer (SPC) information, loan approval amount information, construction sales receivables information Business loan product subscription information provided to the information system through the external system on the financial system provided on the financial system It is preferable to store in the DBMS.

Subsequently, the server may provide a predetermined financial account opening history information (for example, the history of the remodeling business fund support company loan product account opening, and / or the apartment remodeling business money support company loan product subscription to the electronic document repository. The document storing the document, and / or the details of storing the apartment housing remodeling business funds support company loan product subscription information in the storage medium 3105) (or extracted) and transmits it to the terminal (3585).

According to an exemplary embodiment of the present invention, the storage medium 3105 is provided on the system for remodeling business loan support company loan product account opening system (or linked with the system for refinancing business loan support company loan model business remodeling business fund). The storage medium 3105 is a ledger D / B 3100 provided in the DBMS on the financial system, and / or the ledger D / B 3100. It may be any database associated with the present invention, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 3105 may be provided on (or linked to) an internet banking system, and / or a telebanking system provided on the system for opening an apartment remodeling business fund support company loan product. And / or a DBMS on at least one of the wireless banking system, and / or the TV banking system. The present invention is not limited thereto.

36 is a diagram illustrating a system for opening a non-face-to-face apartment house remodeling business fund support company loan product account opening system for processing a combination cost and a construction cost as a company loan support amount according to an established bill according to another embodiment of the present invention.

More specifically, FIG. 36 illustrates a multi-family house remodeling project in which a predetermined customer (SPC) includes at least one predetermined customer (SPC) information, a combination ratio information, a construction cost information, and a construction sales receivable information through a predetermined financial account opening interface. When the financial assistance company loan product subscription application information is provided to the financial institution, the financial institution processes the combination and construction costs as the corporate loan support amount based on the previous notice, based on the information on the application for joining the apartment housing remodeling business fund support company loan product. Opening of an apartment loan remodeling business fund support enterprise loan product account for the purpose, and a storage medium (3685) for receiving a subscription information of the apartment housing remodeling business fund support enterprise loan product for managing the apartment remodeling business fund support company loan product account. As a system configuration for storing in the present invention, For those skilled in the art, refer to and / or modify this drawing 36 to construct a multi-unit housing remodeling business fund support company loan product account opening system for the treatment of union and construction costs as the company loan support amount according to the preliminary report. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may implement the electronic document storage in the electronic document repository by referring to and / or modifying the drawing 36 and remodeling the apartment housing business fund support company loan product subscription application. It will be possible to infer the system of opening a business account for remodeling business loans for corporate housing remodeling business omitting the method, and also to keep the electronic document application for subscription to the apartment remodeling business funds for business loan remodeling business funds. In addition to the implementation method shown in Fig. 36, the electronic document repository may infer the implementation method provided in the DBMS located in the system for opening the apartment remodeling business fund support company loan product. Method, and only the implementation method shown in FIG. Not determined

In addition, according to the implementation method shown in FIG. 36, the electronic home remodeling business fund support company loan product subscription application electronic document is generated on the server side on the multi-family remodeling business fund support company loan product account opening system. Although the present invention is not limited thereto, the electronic home remodeling business fund support company loan product subscription application electronic document may be transmitted by inputting (or selecting) the apartment home remodeling business fund support company loan product subscription application information. The terminal may be generated on the terminal side (for example, the electronic document generation function provided on the server side is provided on the terminal side to generate the electronic housing remodeling business funds support enterprise loan product subscription application electronic document), thereby This is not limited.

Hereinafter, on the multi-family remodeling business fund support company loan product account opening system shown in FIG. 36, the multi-family remodeling business fund support company loan application subscription information is provided from the customer (SPC) through a predetermined financial account opening interface. Receive the customer (SPC) to open the apartment remodeling business funds support company loan product account, and generates a corresponding apartment housing remodeling business funds support company loan product subscription application electronic document to a predetermined electronic document storage Components corresponding to at least one or more means and / or functional configurations of storage are referred to as " financial company server 3600 " for convenience.

Referring to this drawing 36 according to the implementation method of the present invention, the apartment building remodeling business funds support enterprise loan product account opening system for processing the combination cost and construction cost to the company loan support amount according to the established high-quality, the customer (SPC) is used And a terminal device 3690 including at least one of a client terminal including at least one of a wired terminal and / or a wireless terminal, and the terminal device 3690 may be configured through a predetermined network means. The communication channel is connected to the financial company server 3600 provided on the apartment remodeling business fund support company loan product account opening system.

According to an embodiment of the present invention, the customer (SPC) is connected to the financial institution server 3600 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. And, through the at least one user interface provided by the financial company server (3600) input the apartment housing remodeling business funds support enterprise loan product subscription application information for processing the combination cost and construction cost as the company loan support amount according to the existing stock (or Optionally), the client terminal transmits the data to the financial institution server 3600 provided on the system for remodeling the business loan support company loan product through the predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 3690 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 3690 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 3690 connected to an x-based portable Internet and / or all terminal devices 3690 connected to an IEEE 802.11x-based wireless LAN, and connected to the CDMA-based (and / or HSDPA-based) mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IE It is preferable to include at least one or more WLAN terminal connected to the EE 802.11x-based WLAN.

Further, the financial company server 3600 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 3600 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable according to the type of wireless communication network connected to the client terminal Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial institution server 3600, and inputs and / or selects at least one or more information through the user interface to transmit to the financial institution server 3600. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial institution server 3600, etc.) is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the client terminal corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof is omitted for convenience. do.

In the system for opening a multi-family house remodeling business loan support account, the client terminal including at least one wired terminal and / or a wireless terminal used by the customer (SPC), the client terminal and the financial company server ( 3600, at least one wired and / or wireless communication network for connecting the apartment house remodeling business funds support company loan product subscription application information for the customer (SPC) to process the combination cost and construction cost as the company loan support amount according to the established notice Functions as a financial account opening interface for registering a

According to another exemplary embodiment of the present invention, the terminal device 3690 may include an automatic teller machine (ATM) and an automatic teller machine connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the system for opening a multi-unit house remodeling business loan support account as described above, when the terminal device 3690 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( City)) and the financial network connecting the financial company server (3600) is the apartment (remodeling) remodeling business funds support company loan product subscription application information for the customer (SPC) to process the combination cost and construction cost as the company loan support amount according to the established high Perform a function of a financial account opening interface for registering a number; and / or when the terminal device 3690 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) The wired telephone network and / or the wireless telephone network connecting the financial company server 3600 may be provided by the customer (SPC) based on the combination cost and construction cost. It functions as a financial account opening interface for registering the apartment housing remodeling business funds support business loan product subscription application information for processing the amount, and / or provided to an institution affiliated with the financial institution, which is the terminal device 3690. If the terminal (and / or server) (not shown), the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) to connect the financial company server 3600 The network performs a function of a financial account opening interface for the customer (SPC) to register the apartment housing remodeling business financing support business loan product subscription application information for processing the combination cost and construction cost as a corporate loan support amount according to the established high.

The storage medium (3685) provided on the system for remodeling business loan support company loan product account opening system according to the present invention is applied to the application information subscription application information for the apartment house remodeling business funds provided from the terminal device (3690). Characterized in that the stored information (SPC) information, loan approval amount information, construction sales receivable information including at least one apartment housing remodeling business funds support corporate loan product subscription information.

The combination cost information may include information on the amount of money to be spent during the remodeling business, for a union established by a member (eg, the owner) of the apartment house to be remodeled to promote the remodeling business. It may be changed according to the intention and purpose of those skilled in the art.

When the remodeling business starts the remodeling business for the remodeling apartment house, the construction cost information preferably includes at least one information on the amount of money required for construction during the remodeling project and at least one remodeling apartment house information. And depending on the purpose.

The construction sales receivable information is the contractor started the remodeling business as the main business activities for the remodeling business for the remodeled apartment, but the accounts receivable information on the uncollected amount and the receivable information on the notes received, It is preferable to include at least one house information, it may be changed according to the intention and purpose of those skilled in the art.

The customer (SPC) information is the personal information of the customer (SPC) (for example, the name of the customer (SPC), social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the member information of the customer (SPC) ( For example, when the customer SPC joins the financial transaction customer SPC of the financial institution, the financial system linked with the apartment remodeling business fund support company loan product account opening system in response to the customer SPC. At least one member ID information, or CIF (Customer Information File), etc., which are provided in the customer (SPC) ledger provided therein, is preferably included.

The loan approval amount information is for the customer (SPC) applying for subscription to the apartment remodeling business fund support company loan product, the combination cost information and construction cost information included in the apartment remodeling business fund support company loan product subscription information It is preferable to include the amount of information calculated in connection with the security ratio, and may be changed according to the intention and purpose of those skilled in the art.

In addition, the loan approval amount information is a loan support money corresponding to the construction cost of the loan approval amount, without supporting the loan approval amount in full to the customer (SPC) applying for subscription to the apartment remodeling business funds support company loan product It is desirable to provide limited support in response to ready-made high after confirming ready-made.

According to an embodiment of the present invention, the storage medium 3685 is provided on the system for remodeling business fund support company loan product opening system (or the apartment remodeling business fund support company loan product account opening system). It is preferred that the storage medium (3685) is a ledger D / B provided to the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 3685 is provided on (or linked to) an internet banking system, and / or a telebanking system provided on the system for opening an apartment remodeling business fund support company loan product. And / or a DBMS on at least one of the wireless banking system, and / or the TV banking system. The present invention is not limited thereto.

The financial institution server 3600, which is provided on the multi-family housing remodeling business fund support company loan product account opening system according to the present invention, is connected to the terminal device 3690 through a predetermined network means. General term for components on the system of opening a loan product, including at least one or more servers (or devices), and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or device). It may be implemented, by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 3690 is a client terminal including a wired terminal and / or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the financial institution server 3600 may be configured as described above. A predetermined server (or an internet banking server provided on the internet banking system, and / or a program provided in the internet banking server), and / or a predetermined server (or accessible to the external system of the financial system through the internet banking system). Device), a program included in the server (or device), and / or a server (or externally located on the financial system accessible through the internet banking server (and / or the server (or device)). Device) and / or a program provided to the outside world on the financial system, whereby the present invention is limited. It does.

According to another exemplary embodiment of the present invention, when the terminal device 3690 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 3600 may be connected to the wireless banking system. Or a predetermined server (or device) accessible to an external system of the financial system through the wireless banking system, and / or a program provided in the wireless banking server, and / or a program provided in the wireless banking server. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), or And / or a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 3690 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial company server 3600 may be connected to the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided to the computer, and / or a program included in the telebanking server, and / or to the external system of the financial system through the telebanking system. Any server (or device) that is accessible, a program included in the server (or device), and / or an object on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the alien, and / or a program provided in the external world on the financial system, whereby the present invention is not limited. The.

According to another exemplary embodiment of the present invention, when the terminal device 3690 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 3600 is the TV banking. Any server (or device) provided with a TV banking server provided on the system, and / or a program provided with the TV banking server, and / or accessible to the outside world of the financial system through the TV banking system. A server (or device) external to the financial system, or a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, the financial company server 3600 may include an interface unit 3605 for connecting and managing a predetermined communication channel with the terminal device 3690 through the network means.

According to an embodiment of the present invention, when the terminal device 3690 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 3605 may be defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 3605 connects a communication channel with the client terminal based on the TCP / IP protocol, By using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 3600, the interface unit 3605 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 3690 is a financial automation device connected to a predetermined financial network, the interface unit 3605 may perform the financial automation based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 3690 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 3605 uses a protocol stack defined in the wireless communication network. It is desirable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 3605 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program provided by the financial institution server 3600 (eg, an IC chip-based banking program), the interface unit 3605 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 3690 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 3605 is connected to the wired telephone network and / or wireless. It is desirable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 3605 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 3690 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 3605 may include a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 36, when the predetermined terminal device 3690 connects a predetermined communication channel with the financial company server 3600 through the interface unit 3605, the financial institution server 3600 may calculate the combination cost and construction cost. The terminal device 3690 inputs (or selects) predetermined application information for applying for a corporate loan remodeling business loan to the financial institution server 3600 in order to process the corporate loan support amount according to a pre-existing notice. An interface provider 3610 which generates (or extracts) at least one user interface and provides the generated (or extracted) user interface to the terminal device 3690 in association with the interface unit 3605, and The terminal device 3690 inputs (or selects) application information for subscription to the apartment remodeling business fund support company loan product through the user interface. If so, characterized in that it comprises an information receiving unit 3615, which receives the application information for subscription to the apartment remodeling business fund support company loan product transmitted from the terminal device 3690 in association with the interface unit 3605. .

The interface providing unit 3610 connects a predetermined communication channel with the financial institution server 3600 through the interface unit 3605, and then the combination cost and construction cost to the financial institution server 3600. When requesting a user interface for processing the company loan support amount according to the established high-order, the terminal device (3690) inputs (or selects) predetermined apartment home remodeling business funds support company loan product subscription application information to the network means A user that generates at least one user interface to be transmitted to the financial institution server 3600 through, and / or is extracted from a predetermined database (not shown), and the generated (or extracted) in conjunction with the interface unit 3605 It provides an interface to the terminal device 3690 through the network means.

According to an embodiment of the present invention, when the terminal device 3690 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 3610 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 3605.

According to another exemplary embodiment of the present invention, when the terminal device 3690 is a financial automation device connected to a predetermined financial network, the interface providing unit 3610 is provided as a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 3605.

According to another exemplary embodiment of the present invention, when the terminal device 3690 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 3610 may include a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 3605.

According to another exemplary embodiment of the present invention, when the terminal device 3690 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 3610 may include the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS based user interface) through the interface unit 3605 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 3690 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 3610 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided as a user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 3605.

According to another exemplary embodiment of the present invention, the terminal device 3690 inputs (or selects) predetermined application information for applying for a corporate housing remodeling business loan support to the financial institution server 3600 through the network means. If a predetermined information registration program having at least one user interface is provided, input (or select) predetermined application information for joining a multi-unit house remodeling business loan support company loan product as described above to the financial company server 3600. The interface providing unit 3610 which generates (or extracts) a user interface for transmission and provides the terminal device 3690 may be omitted, and the present invention is not limited thereto.

Subsequently, the terminal device 3690 uses the user interface (SPC) information, combination cost information, construction cost information, construction receivables, including the at least one apartment remodeling business funds support enterprise loan product subscription application information Inputting (or selecting) and transmitting the input (or selection) to the financial institution server 3600 through the network means. ) Is to receive the subscription information subscription application information for the apartment housing remodeling business funds transmitted from the terminal device 3690 in conjunction with the interface unit 3605.

According to an embodiment of the present invention, the terminal device 3690 may include at least one of the customer (SPC) information, the combination cost information, the construction cost information, and the construction sales receivable information. A predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for verifying the validity of the apartment house remodeling business fund assistance company loan product subscription application information at the financial company server 3600 It is preferable to further include at least one or more OTP code, etc. generated through the network means to transmit to the financial company server 3600.

According to an embodiment of the present invention, the terminal device 3690 may include at least one of the customer (SPC) information, the combination cost information, the construction cost information, and the construction sales receivable information. And / or encrypt at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method), and / or It is preferable to attach a predetermined electronic signature to the apartment remodeling business fund support company loan product subscription application information and transmit it to the financial company server 3600 through the network means. At least one encryption key corresponding to the scheme, and / or at least one encryption key A card reader for confirming a public certificate provided in the IC chip (or IC card) when a predetermined public certificate is included, and / or when the public certificate is provided on a predetermined IC chip (or IC card). It is preferable that is provided.

Those skilled in the art to which the present invention pertains, technical features of the various encryption schemes for encrypting the application information for applying for subscription to the apartment housing remodeling business fund, and the company remodeling business fund supporting company loan product Since you will be familiar with the technical features of attaching a predetermined electronic signature to the subscription application information, a detailed description thereof will be omitted for convenience.

Referring to FIG. 36, when the financial institution server 3600 receives the apartment house remodeling business fund assistance company loan product subscription request information transmitted from the terminal device 3690 through the information receiver 3615, the received financial institution server 3600 receives the received information. Apartment housing remodeling business funds support enterprise loan product subscription application information is characterized in that it comprises a validity check unit 3620 to determine whether the combination cost and construction costs to meet the validity for processing with the company loan support amount according to the established high.

According to the implementation method of the present invention, the apartment house remodeling business fund support company loan product subscription application information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope) Based encryption method, and / or a key exchange based encryption method, etc.), the validity checking unit 3620 includes at least the encrypted multi-family remodeling business fund support company loan product subscription request information corresponding to the encryption method. The received multi-family housing by decrypting with one or more decryption methods (e.g., symmetric key based decryption method, and / or public key based decryption method, and / or electronic envelope based decryption method, and / or key exchange based decryption method, etc.) Remodeling Business Fund Support The validity of the information on the application for subscription to corporate loan products is Preferable.

Alternatively, when a predetermined electronic signature is attached to the apartment remodeling business fund support company loan product subscription application information, the validity verification unit 3620 is an electronic attachment to the apartment house remodeling business fund support company loan product subscription application information By confirming the signature, it is preferable to verify the validity of the received information for applying for subscription to the apartment remodeling business funds.

Those skilled in the art to which the present invention pertains, technical features of various decryption methods for decrypting the encrypted multi-family remodeling business fund support company loan product subscription application information, and the multi-family remodeling business fund support company You will be familiar with the technical features of verifying the electronic signature attached to the loan application information, so a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the multi-home remodeling business fund support company loan product subscription application information received through the information receiving unit 3615 for verifying the validity of the multi-family remodeling business fund support company loan product subscription application information is received. When a predetermined password is further included, the validity checking unit 3620 is provided in correspondence with the customer (SPC) on the DBMS and the received password included in the apartment remodeling business fund support company loan product subscription application information. By comparing and authenticating the received password, it is preferable to authenticate the validity of the received apartment housing remodeling business fund support company loan product subscription application information.

Alternatively, predetermined security card information for confirming the validity of the multi-family remodeling business fund support company loan product subscription application information to the multi-family remodeling business fund support company loan product subscription application information received through the information receiver 3615. If more is included, the validity verification unit 3620 is provided in response to the customer (SPC) on the security card information and the DBMS received in the apartment remodeling business funds support company loan product subscription application information By comparing and authenticating the security card information, it is preferable to authenticate the validity of the received apartment housing remodeling business capital support company loan product subscription application information.

Alternatively, a predetermined OTP code for checking the validity of the multi-family remodeling business fund support company loan product subscription application information is received in the multi-family remodeling business fund support company loan product subscription application information received through the information receiving unit 3615. When further included, the validity verification unit 3620 includes a predetermined OTP code included in the multi-family remodeling business fund support company loan product subscription application information and corresponding to the customer (SPC) on the DBMS By comparing and authenticating the OTP codes generated based on the OTP generation information, it is preferable to authenticate the validity of the received apartment housing remodeling business fund support company loan product subscription application information.

According to the implementation method of the present invention, the validity of the apartment remodeling business fund support company loan product subscription application information is confirmed in the ledger D / B on the financial system associated with the system for remodeling business loan support company loan product account opening system It is preferable to include a check whether at least one or more ledger information matching the apartment housing remodeling business capital support company loan product subscription application information is registered.

For example, the validity of the apartment remodeling business fund support company loan product subscription application information is the customer (SPC) information (SPC) of the information contained in the apartment remodeling business fund support company loan product subscription application information. Personal information, member information, etc.) is preferably matched with the customer (SPC) ledger stored in the ledger D / B on the financial system associated with the apartment remodeling business fund support company loan product account opening system Do.

Referring to FIG. 36, if the financial company server 3600 is authenticated through the validity checking unit 3620, the validity of the application information for applying for subscription to the apartment housing remodeling business fund is received, the apartment house remodeling business fund received. Predetermined multi-unit housing remodeling business fund support information including the information on the application for subscription of the enterprise loan product; an electronic document generation unit 3630 for generating an electronic document for applying for the enterprise loan product subscription; And an electronic document transmission unit 3635 for transmitting the electronic document to an electronic document repository associated with the apartment remodeling business fund support company loan product account opening system.

The electronic document generation unit 3630 is a multi-family remodeling business capital support company loan including the subscription information for the apartment remodeling business funds support company loan product received from the terminal device 3690 through the information receiving unit 3615 It is characterized by generating a product subscription application electronic document.

According to an exemplary embodiment of the present invention, the electronic document generation unit 3630 may include customer (SPC) information and combination costs included in the application information for applying for the loan for the remodeling business remodeling business received through the information receiving unit 3615. Generating document content including at least one of information, construction cost information, and construction sales receivable information, and including a document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) including the document content, or Corporate Housing Remodeling Business Funds Support for Apartment Housing Remodeling to process the union and construction costs in accordance with the preliminary report on a word processor file including at least one HWP / DOC or a web document file including MHT) It is advisable to process the electronic application for subscription.

Alternatively, the electronic document generation unit 3630 may include customer (SPC) information, combination cost information, construction cost information, construction sales included in the application for subscription to the apartment housing remodeling business funds received through the information receiving unit 3615. Create document content including at least one bond information, customer (SPC) information, combination cost information, construction cost information, construction sales receivables information included in the apartment housing remodeling business funds support enterprise loan product subscription application information to the document content After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, PDF (Portable Document Format) file, EDI (Electronic Data Interchange) file, or A word processor file including at least one of HWP / DOC, or a web document file including MHT) To treat the horseradish into public housing renovation projects funded enterprise loan product subscription for the electronic document processing to corporate lending support amount according to giseonggo preferred.

Alternatively, the electronic document generation unit 3630 may include customer (SPC) information, combination cost information, construction cost information, construction sales included in the application for subscription to the apartment housing remodeling business funds received through the information receiving unit 3615. Generating an image content including at least one bond information and an image file including image content (eg, image content generated by capturing the document content on a memory); It is preferable to process the construction cost as an electronic document for applying for a corporate loan remodeling business loan remodeling business fund to be processed as a corporate loan subsidy according to the existing high-end.

Alternatively, the electronic document generation unit 3630 may include customer (SPC) information, combination cost information, construction cost information, construction sales included in the application for subscription to the apartment housing remodeling business funds received through the information receiving unit 3615. A company that generates document contents including at least one or more bond information, and remodels the apartment housing remodeling business fund to the image contents (eg, image contents generated by capturing the document contents on a memory). After including at least one or more information of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the loan product subscription application information (Watermarking) method, and includes the image content including the watermarking The combination and construction costs of the image file to the company loan support amount in accordance with Be treated as such Remodeling projects funded enterprise loan product subscription electronic documents is desirable.

According to another exemplary embodiment of the present invention, the electronic document generation unit 3630 may include customer (SPC) information included in the application information for applying for subscription to the apartment remodeling business fund received through the information receiving unit 3615, Generating document content including at least one combination cost information, construction cost information, and construction sales receivable information, and capturing the image content (eg, the image content generated by capturing the document content on a memory); A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) ), The multi-unit housing remodeling business funds for processing the combination and construction costs as the company loan support amount according to the established high It is advisable to process the electronic loan application to apply for support loans.

Alternatively, the electronic document generation unit 3630 may include customer (SPC) information, combination cost information, construction cost information, construction sales included in the application for subscription to the apartment housing remodeling business funds received through the information receiving unit 3615. A company that generates document contents including at least one or more bond information, and remodels the apartment housing remodeling business fund to the image contents (eg, image contents generated by capturing the document contents on a memory). Generating image content including at least one or more of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the loan product subscription application information by a watermarking method, the watermarking includes Document files (eg, Portable Document Format (PDF) files, or EDI (Electronic Data) containing embedded image content Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc. Housing Remodeling Business Fund Support It is desirable to process electronic loan application form.

According to another exemplary embodiment of the present invention, the electronic document generating unit 3630 may include customer (SPC) information included in the application information for applying for subscription to the apartment remodeling business fund received through the information receiving unit 3615. Image content (eg, image content generated by capturing the document content on a memory) by generating document content including at least one combination cost information, construction cost information, and construction sales receivable information; And at least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the application information for subscribing to the apartment building remodeling business fund support company loan product. By generating a word processor file containing, or a web document file containing the MHT, etc.) In accordance with the above, it is preferable to process the apartment housing remodeling business fund support business loan application for electronic documents.

Alternatively, the electronic document generation unit 3630 may include customer (SPC) information, combination cost information, construction cost information, construction sales included in the application for subscription to the apartment housing remodeling business funds received through the information receiving unit 3615. A company that generates document contents including at least one or more bond information, and remodels the apartment housing remodeling business fund to the image contents (eg, image contents generated by capturing the document contents on a memory). Create an image content including watermarking method of at least one of customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the loan product subscription application information, the watermarking is Includes the included image content and application information for subscription to the apartment remodeling business funds Generate a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to process the combination costs and construction costs as electronic loan documents for remodeling business loans support business loans for corporate housing remodeling for processing as the company loan support amount according to the established high-end.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 3630 is a multi-unit housing remodeling business funds support enterprise loan product subscription application electronic document of the image file format and / or a predetermined document file format You will be familiar with the technical features to generate and the technical features of the file format for the image file and / or document file corresponding to the electronic housing remodeling business funds support enterprise loan product subscription application electronic document, the detailed description Omit for convenience.

The electronic document transmission unit 3635 is a system for opening an apartment housing remodeling business fund support company loan product account application system for applying for the electronic housing remodeling business fund support company loan product subscription application generated by the electronic document generation unit 3630; It is characterized in that the transmission to the predetermined electronic document storage to store.

As shown in FIG. 36, the electronic document repository includes a predetermined electronic document server 3660 linked to a financial institution server 3600 on a system for opening a multi-family house remodeling business fund support company loan product account through a predetermined communication means. When provided externally including an electronic document D / B (3680), the electronic document transmission unit 3635 is applied for subscription to the apartment housing remodeling business funds support company loan product generated by the electronic document generation unit 3630 The electronic document is transmitted to the electronic document server 3660 through the communication means.

Here, when the electronic document server 3660 and the electronic document D / B (3680) is provided outside the system for remodeling business fund-supported business loan product account opening system, the electronic document server 3660 and the electronic Document D / B 3680 is preferably managed by an accredited organization.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the system for opening a remodeling business fund support company loan product accounting system, the electronic document transmitting unit 3635 is the electronic document generating unit. The electronic document D / D corresponding to the electronic document storage on the DBMS provided in the multi-family remodeling business fund-supported business loan product account opening system generated by the 3630. It is possible to store in B (3680), by which the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 3635 may include electronic document related information (eg, the multi-family remodeling business fund support company) for generating predetermined electronic document management information in the electronic document server 3660. Customer (SPC) information transmitted by entering (selecting) loan product subscription application information, and / or financial institution information for transmitting the electronic housing remodeling business loan support application loan electronic document, and / or electronic document file format. Information, and / or the apartment housing remodeling business fund support company loan product subscription application information, etc.) may be transmitted to the electronic document storage, and the present invention is not limited thereto.

Referring to FIG. 36, the financial company server 3600 receives the combination cost and the construction cost through the validity checking unit 3620 through the validity checking unit 3620, through the validity checking unit 3620, through the validity checking unit 3620. When the validity for processing the company loan support amount is certified according to the existing high school, the customer (SPC) information, combination cost information, construction cost information, construction information included in the application for subscription to the apartment housing remodeling business funds supporting the validity certified An information generating unit 3640 for generating the financial account information based on the trade receivable information, and an account opening unit 3635 for opening and processing a financial account of the customer (SPC) name including the financial account information; Characterized in that made.

When the validity confirming unit 3620 confirms the validity of the application information for subscription to the apartment remodeling business fund support company information, the information generation unit 3640 may request the subscription information for the apartment house remodeling business fund support company loan product. The financial account information is generated based on the customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information included in the information.

Herein, the financial account information may include account number and interest rate information corresponding to the multi-family remodeling business fund support company loan product account opened based on the multi-family remodeling business fund support company loan product subscription application information. In addition, when the multi-family housing remodeling business fund support company loan product account includes a savings attribute, it is preferable that the predetermined housing period, payment date and time and payment amount information is further included.

The account opening unit 3635 generates a customer ledger (SPC) including the customer (SPC) information included in the financial account opening application information in connection with the financial system (or matched with the customer (SPC) information) By checking the customer ledger (SPC) provided), generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer (SPC) ledger. In response to the application information for the application for joining the apartment housing remodeling business funds, the predetermined cost and opening of a predetermined financial account for processing the combination cost and construction cost as a corporate loan support amount according to the pre-determination.

According to an exemplary embodiment of the present invention, when the financial company server 3600 and the financial system exist in the same system, the account opening unit 3635 may connect the financial account information to the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the financial company server 3600 and the financial system exist on another system connected through a predetermined communication unit, the account opening unit 3635 may be configured to perform the communication through the predetermined communication unit. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

Referring to FIG. 36, the financial company server 3600 receives the combination cost and the construction cost through the validity checking unit 3620 through the validity checking unit 3620, through the validity checking unit 3620, through the validity checking unit 3620. If the validity for processing the company loan support amount is certified according to the existing high-level, the customer (SPC) information, loan approval amount information, construction sales included in the application information for applying for the loan for renovation of the apartment housing remodeling business which has been validated And an information storage unit 3555 for storing apartment housing remodeling business fund support company loan product subscription information including at least one or more bond information in a predetermined storage medium 3685.

When the validity verification unit 3620 confirms the validity of the application information for subscription to the apartment house remodeling business fund support information, the information storage unit 3555 is the apartment house remodeling business capital support company loan product subscription application information Characterized in that the storage (3685) is stored in the storage medium (3685) reinforcing apartment housing remodeling business funds support corporate loan product subscription information including at least one of the customer (SPC) information, loan approval amount information, construction sales receivable information; .

According to an exemplary embodiment of the present invention, when the storage medium 3685 is provided in the financial company server 3600 or on the network associated with the financial company server 3600, the information storage unit 3555 may be used. Apartment housing remodeling business fund support business loan support company loan product subscription information including at least one or more of the customer (SPC) information, loan approval amount information, construction sales receivable information included in the application information received from the corporate housing remodeling business subscription received information It is preferable to store the in the storage medium (3685).

According to another exemplary embodiment of the present invention, when the storage medium 3685 is provided in a DBMS provided on a financial system, the information storage unit 3559 may apply to the received apartment housing remodeling business fund support company loan product subscription. Providing the information on the apartment loan remodeling business funds, which includes at least one of the customer (SPC) information, loan approval amount information, and construction sales receivable information included in the information, through the external system of the financial system. It is preferable to store in a DBMS provided on the financial system.

Referring to FIG. 36, a predetermined multi-family remodeling business fund support company loan product subscription application electronic document is provided from the financial institution server 3600 provided on the multi-family remodeling business fund support company loan product opening system. The electronic document server 3660 that stores and manages the electronic document D / B 3680 may store a predetermined apartment remodeling business fund support company loan product subscription application electronic document from the financial company server 3600 through a predetermined communication means. Generating predetermined electronic document management information for storing and managing the electronic document receiving unit (3665) and the electronic document D / B (3680) in the electronic document D / B (3680) to receive and receive the electronic housing remodeling business fund support company loan product subscription application The information generation unit 3670, and the electronic document management information and the apartment housing remodeling business fund support enterprise loan product subscription application electronic text To the association process provided by the e-document storage unit (3675) for storing a predetermined electronic document D / B (3680) it is characterized in that formed.

The electronic document receiving unit 3655 may receive an electronic document subscription application subscription document electronic document remodeling business funds in the form of an image file and / or document file from the financial company server 3600 through the communication means.

According to one embodiment of the present invention, the electronic document receiver 3665 receives the electronic housing remodeling business funds support company loan product subscription application received through the communication means, the financial company server 3600 the terminal device 3690 Document file (e.g., document content including at least one or more of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the application information for the apartment housing remodeling business funds received from)) , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

Alternatively, the electronic document receiving unit 3665 may receive the apartment housing remodeling business loan support company loan product subscription application electronic document received through the communication means. The apartment house remodeling received by the financial company server 3600 from the terminal device 3690. Business funding support business loan support company loan product subscription application information in the document content including at least one customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the business loan support application information Document file (eg, including document content including the watermarking after including at least one or more information of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the watermarking method) , Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC. Or a web document file including the MHT or the like.

Alternatively, the electronic document receiving unit 3665 may receive the apartment housing remodeling business loan support company loan product subscription application electronic document received through the communication means. The apartment house remodeling received by the financial company server 3600 from the terminal device 3690. Image contents (e.g., the document content) which captures document content including at least one of customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information included in the business loan support company loan product subscription application information. Preferably includes an image file including image content generated by capturing the image on a memory.

Alternatively, the electronic document receiving unit 3665 may receive the apartment housing remodeling business loan support company loan product subscription application electronic document received through the communication means. The apartment house remodeling received by the financial company server 3600 from the terminal device 3690. Image contents (e.g., the document content) which captures document content including at least one of customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information included in the business loan support company loan product subscription application information. Image content generated by capturing the image in memory, and at least one of customer (SPC) information, union cost information, construction cost information, and construction sales receivable information included in the application for subscribing to the apartment remodeling business funds. After including the watermarking method, the image content including the watermarking is included. It comprises an image file is desirable.

According to another embodiment of the present invention, the electronic document receiving unit 3665 through the communication means for the apartment housing remodeling business fund support company loan product subscription application electronic document is the financial company server 3600 the terminal device ( Capturing document contents including at least one of customer (SPC) information, union cost information, construction cost information, and construction sales receivable information included in the application for subscription to the apartment remodeling business fund received from 3690). A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing image content (eg, image content generated by capturing the document content on a memory). A word processor file including at least one or a web document file including an MHT) desirable.

Alternatively, the electronic document receiving unit 3665 may receive the apartment housing remodeling business loan support company loan product subscription application electronic document received through the communication means. The apartment house remodeling received by the financial company server 3600 from the terminal device 3690. Image contents capturing document contents including at least one of customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information included in the business loan support company loan product subscription application information (eg, the document content) Image content generated by capturing the data in a memory) at least one of customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information included in the multi-family remodeling business fund support company loan product subscription application information. Create image content that includes the marking (Watermarking) method, the watermarking Document files containing image contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferable.

According to another embodiment of the present invention, the electronic document receiving unit 3665 via the communication means for the apartment remodeling business fund support company loan product subscription application electronic document is the financial company server 3600 the terminal device Capturing document contents including at least one of customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information included in the apartment housing remodeling business fund assistance enterprise loan product subscription information received from (3690). A predetermined document file (e.g., a Portable Document Format (PDF) file) including an image content (e.g., image content generated by capturing the document content on a memory) and the apartment remodeling business fund support company loan product subscription information. , Or a word processor including at least one EDI (Electronic Data Interchange) file, or HWP / DOC. It is preferred which comprises a web page file, and so on) containing the file, or MHT.

Alternatively, the electronic document receiving unit 3665 may receive the apartment housing remodeling business loan support company loan product subscription application electronic document received through the communication means. The apartment house remodeling received by the financial company server 3600 from the terminal device 3690. Image contents (e.g., the document content) which captures document content including at least one of customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information included in the business loan support company loan product subscription application information. Image content generated by capturing the data in a memory) at least one of customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information included in the multi-family remodeling business fund support company loan product subscription application information. Create image content that includes the marking (Watermarking) method, the watermarking At least one document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) including image contents and application information for applying for the business remodeling business loan for the apartment remodeling business. Preferably includes a word processor file or a web document file including an MHT.

The information generating unit 3670 is a predetermined electronic document unique number (or unique information) to be assigned to the electronic housing remodeling business funds assistance enterprise loan product subscription application electronic document received through the electronic document receiving unit 3665, and the electronic Through the document receiving unit 3665, the date and time (or the date and time when the electronic housing remodeling business funds assistance business loan application subscription electronic document is stored) received the electronic housing remodeling business funds assistance enterprise loan product subscription application electronic document was received. And generating electronic document management information including electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the information generating unit 3670 transmits the electronic housing document remodeling business fund support company loan product subscription application electronic document received through the electronic document receiving unit 3655 to the financial company server 3600. It is preferable to check the financial institution that has sent the electronic housing remodeling business funding support business loan application subscription electronic document with reference to, and to generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 3665 further receives a predetermined electronic document related information from the financial company server 3600, the information generating unit 3670 is the received electronic Document-related information (e.g., customer (SPC) information transmitted by inputting (selecting) the application information for applying for the corporate housing remodeling business loan assistance for the multi-family housing remodeling business and / or the electronic loan document subscription application electronic document for the multi-family remodeling business funds supporting enterprise loan product) It is preferable to generate the electronic document management information further comprising the financial institution information, and / or electronic document file format information, and / or the apartment housing remodeling business funds support enterprise loan product subscription information, etc.).

The electronic document storage unit 3677 may use the electronic housing management model funded enterprise loan product subscription application electronic document received through the electronic document receiving unit 3665 and electronic document management information generated through the information generation unit 3670. It is characterized by storing in a predetermined electronic document D / B (3680).

According to the exemplary embodiment of the present invention, the electronic document storage unit 3675 stores the electronic document D / B 3680 in the apartment house remodeling business fund support company loan product subscription application electronic document in the financial company server 3600. Document content including at least one of customer (SPC) information, union cost information, construction cost information, and construction sales receivable information included in the multi-family remodeling business fund support company loan product subscription application information received from the terminal device 3690 A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to comprise.

Alternatively, the electronic company storage unit 3755 stores the electronic housing D / B 3680 in the apartment remodeling business fund support company loan product subscription application electronic document of the financial company server 3600 of the terminal device 3690. Multi-family remodeling business fund support received from the support of the multi-family remodeling business funds in document content including at least one customer information (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the application information for joining the company loan product After at least one or more of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the company loan application subscription information by watermarking (Watermarking) method, the document content including the watermarking At least a document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) is included. And at least one word processor file or web document file including MHT).

Alternatively, the electronic company storage unit 3755 stores the electronic housing D / B 3680 in the apartment remodeling business fund support company loan product subscription application electronic document of the financial company server 3600 of the terminal device 3690. Image content that captures document contents including at least one of customer (SPC) information, union cost information, construction cost information, and construction sales receivable information included in the application information for corporate loan remodeling business loan received from the apartment Preferably, the image file includes an image file including image content generated by capturing the document content on a memory.

Alternatively, the electronic company storage unit 3755 stores the electronic housing D / B 3680 in the apartment remodeling business fund support company loan product subscription application electronic document of the financial company server 3600 of the terminal device 3690. Image of capturing document contents including at least one of customer (SPC) information, union cost information, construction cost information, and construction sales receivable information included in the application information for corporate loan remodeling business loan received from the apartment Customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the multi-family remodeling business fund support company loan product subscription application information to content (e.g., image content generated by capturing the document content on a memory). After including at least one of the information in a watermarking (Watermarking) method, and includes the image content including the watermarking Preferably comprises an image file.

According to another embodiment of the present invention, the electronic document storage unit 3675 stores the electronic document D / B (3680) apartment housing remodeling business funds support enterprise loan product subscription application electronic document is the financial company server (3600) Document content including at least one customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the multi-family remodeling business funds support company loan product subscription application information received from the terminal device (3690) A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content captured by capturing the image content (e.g., image content generated by capturing the document content on a memory). , Or a word processor file including at least one HWP / DOC, or a web document file including MHT). It is preferred.

Alternatively, the electronic company storage unit 3755 stores the electronic housing D / B 3680 in the apartment remodeling business fund support company loan product subscription application electronic document of the financial company server 3600 of the terminal device 3690. Image content that captures document contents including at least one of customer (SPC) information, union cost information, construction cost information, and construction sales receivable information included in the application information for corporate loan remodeling business loan received from the apartment (E.g., image contents generated by capturing the document contents on a memory) among customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information included in the apartment remodeling business fund support company loan product subscription application information. Generate image content including at least one or more information in a watermarking manner, wherein the watermarking is included. Document files containing image contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferable.

According to another embodiment of the present invention, the electronic document storage unit 3675 stores the electronic document D / B (3680) apartment housing remodeling business funds support enterprise loan product subscription application electronic document is the financial company server ( Documents including at least one customer (SPC) information, combination cost information, construction cost information, construction sales receivables information included in the multi-unit housing remodeling business fund support company loan product subscription application information received from the terminal device 3690 by 3600 Predetermined document files (e.g., PDFs) including captured image contents (e.g., image contents generated by capturing the document contents on a memory) and the apartment remodeling business fund support company loan product subscription information. (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, including at least one or more And a document file or a web document file including MHT).

Alternatively, the electronic company storage unit 3755 stores the electronic housing D / B 3680 in the apartment remodeling business fund support company loan product subscription application electronic document of the financial company server 3600 of the terminal device 3690. Image content that captures document contents including at least one of customer (SPC) information, union cost information, construction cost information, and construction sales receivable information included in the application information for corporate loan remodeling business loan received from the apartment (E.g., image contents generated by capturing the document contents on a memory) among customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information included in the apartment remodeling business fund support company loan product subscription application information. Generate image content including at least one or more information in a watermarking manner, wherein the watermarking is included. At least one document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) including image contents and application information for applying for the business remodeling business loan for the apartment remodeling business. Preferably includes a word processor file or a web document file including an MHT.

According to the implementation method of the present invention, the electronic document storage unit 3757 manages the electronic document stored in the electronic document D / B (3680) in connection with the electronic document storage application model loan application subscription application electronic document to store the electronic document D / B (3680) The information may include a predetermined electronic document unique number (or unique information) assigned to the electronic housing remodeling business fund support company loan product subscription application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document storage unit 3677 processes the electronic document storage application model application for subscription support electronic loan remodeling business loans electronic document stored in the electronic document D / B (3680) The management information is financed by sending the electronic home remodeling business funds assistance business loan product subscription application electronic document confirmed with reference to the financial company server (3600) that sent the electronic housing remodeling business funds support business loan product subscription application electronic document. It is preferable that the information is further included.

According to another exemplary embodiment of the present invention, when a predetermined electronic document-related information is further received from the financial company server 3600, the electronic document storage unit 3757 requests to subscribe to the apartment housing remodeling business fund support company loan product. The electronic document management information stored in the electronic document D / B 3680 in association with an electronic document is stored in the received electronic document-related information (for example, the apartment housing remodeling business fund support company loan product subscription application information) Customer information (SPC), and / or financial institution information, and / or electronic document file format information for transmitting the electronic housing remodeling business loan assistance business loan application subscription document, and / or the apartment Remodeling business funds support corporate loan product subscription information, etc.) is preferably made.

Figure 37 shows a storage medium (3685) storing the multi-family remodeling business funds assistance enterprise loan product subscription information corresponding to the multi-family remodeling business funds assistance company loan product account opened in a non-face-to-face according to an embodiment of the present invention A diagram illustrating an implementation method included in a DBMS on a financial system.

In more detail, when the storage medium 3685 illustrated in FIG. 36 is the ledger D / B 3700 provided in the DBMS on the financial system, or the ledger D / B 3700 is included in the ledger D / B 3700, As the information structure for an implementation method of storing the apartment remodeling business fund support company loan product subscription information in the ledger information provided in the ledger D / B 3700, the general knowledge in the technical field to which the present invention belongs. If you have a person, it will be able to infer a variety of information configuration methods for storing the apartment housing remodeling business funds support company loan product subscription information in the ledger D / B (3700) by referring to and / or modified in this figure 37, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 37 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 3700 provided in the DBMS on the financial system is a predetermined customer (SPC) ledger, the customer (SPC) ledger and It is shown to include the account ledger corresponding to the financial account opened through the system for opening a multi-unit house remodeling business fund support company loan product shown in FIG. 36 and at least one information associated with the account ledger. Those skilled in the art to which the present invention pertains include at least one ledger in addition to the customer (SPC) ledger and the account ledger shown in the drawing 37, which are included in the ledger D / B 3700 provided in the DBMS on the financial system. (Eg, a ledger, loan ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers clearly. Will interfere, because also be aware group specific technical aspects of this, a detailed description thereof will be omitted for convenience.

The head of the customer (SPC) is CIF (Customer Information File) number, country code, contact person ID, branch number, customer (SPC) classification, customer (SPC) name, customer (SPC) address, regional classification code, telephone number, business place No., Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW , DB, usage, parent company number. Including at least one country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code The customer (SPC) ledger includes the ledger information for the customer (SPC) including at least one or more individual customers (SPC), corporate customers (SPC), minors and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer (SPC) ledger, so the detailed description thereof will be omitted for convenience.

In addition, the account ledger is relationally linked to the customer (SPC) ledger, the account ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate , Password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction It includes at least one of the number, interest accounting system, whether or not the balance is linked, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of final interest calculation, and the account number and withdrawal (month) corresponding to the ledger. At least one of: periodic reception information including at least one period (days), period extension, expiration date, and target amount; and / or account number, deposit amount, par value, pension date, and number of shares corresponding to the ledger. Trust reception information including the above, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI number, batch number (Batch No.), compound transaction, date of payment corresponding to the account ledger. Transaction information including at least one bank account line, summary, CIF, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 37, the storage medium 3859 may be the ledger D / B 3700 or the implementation method provided in the ledger D / B 3700 according to an embodiment of the present invention. Apartment housing remodeling business fund support shown in Figure 36 Apartment house remodeling business fund support provided through the system for opening a business loan product account The customer (SPC) information and loan approval amount information included in the application information for subscription application, construction sales receivables The multi-family housing remodeling business loan support company loan product subscription information including at least one information is stored in the form of additional information added to the account ledger.

The combination cost information may include information on the amount of money to be spent during the remodeling business, for a union established by a member (eg, the owner) of the apartment house to be remodeled to promote the remodeling business. It may be changed according to the intention and purpose of those skilled in the art.

When the remodeling business starts the remodeling business for the remodeling apartment house, the construction cost information preferably includes at least one information on the amount of money required for construction during the remodeling project and at least one remodeling apartment house information. And depending on the purpose.

The construction sales receivable information is the contractor started the remodeling business as the main business activities for the remodeling business for the remodeled apartment, but the accounts receivable information on the uncollected amount and the receivable information on the notes received, It is preferable to include at least one house information, it may be changed according to the intention and purpose of those skilled in the art.

The customer (SPC) information is the personal information of the customer (SPC) (for example, the name of the customer (SPC), social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the member information of the customer (SPC) ( For example, when the customer SPC joins the financial transaction customer SPC of the financial institution, the financial system linked with the apartment remodeling business fund support company loan product account opening system in response to the customer SPC. At least one member ID information, or CIF (Customer Information File), etc., which are provided in the customer (SPC) ledger provided therein, is preferably included.

The loan approval amount information is for the customer (SPC) applying for subscription to the apartment remodeling business fund support company loan product, the combination cost information and construction cost information included in the apartment remodeling business fund support company loan product subscription information It is preferable to include the amount of information calculated in connection with the security ratio, and may be changed according to the intention and purpose of those skilled in the art.

In addition, the loan approval amount information is a loan support money corresponding to the construction cost of the loan approval amount, without supporting the loan approval amount in full to the customer (SPC) applying for subscription to the apartment remodeling business funds support company loan product It is desirable to provide limited support in response to ready-made high after confirming ready-made.

According to another exemplary embodiment of the present invention, the apartment house remodeling business fund support company loan product subscription application information is stored in the form of information included in the account ledger (not shown), and / or other ledger other than the account ledger. (Eg, additional information added to the customer (SPC) ledger), and / or in the form of a separate independent ledger in addition to the account ledger can be all, and the present invention is not limited thereby.

38 is a storage medium (3805) storing multi-unit remodeling business fund support company loan product subscription information corresponding to a multi-family remodeling business fund support company loan product account opened in a non-face-to-face manner according to another embodiment of the present invention. A diagram showing an implementation method including a database linked to the ledger D / B 3800 provided in a DBMS on a financial system.

In more detail, FIG. 38 shows an information structure of an embodiment in which the storage medium 3685 shown in FIG. 36 includes a predetermined database linked to the ledger D / B 3800 provided in the DBMS on the financial system. As shown in the drawings, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 38 and add the subscription information of the multi-family housing remodeling business fund support company loan product to a predetermined database. It is possible to infer various information configuration methods for storing in association with / B (3800), but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, FIG. 38 is a case in which it is not easy to store the subscription information of the apartment remodeling business fund support company loan product in the ledger information of the ledger D / B 3800 on the DBMS provided on the financial system (eg, financial In the policy of the institution, it is not easy to change the ledger D / B 3800 of the DBMS, or the system expansion is not easy due to the characteristics of the financial system), and the predetermined database may be used instead of the ledger D / B 3800. Apartment housing remodeling business funds support company loan product subscription information is stored, and the database and the ledger D / B (3800) is shown an implementation method for storing the linked processing.

In addition, the database shown in FIG. 38 need not be provided on a DBMS provided on a financial system as in the embodiment method shown in FIG. 38, and the database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 38, the storage medium 3805 includes a database associated with the ledger D / B 3800 provided in a DBMS on a financial system. Saving the remodeling business funds support company loan product subscription information including at least one of the customer (SPC) information, loan approval amount information, construction sales receivables information included in the application information for remodeling business loans; The CIF corresponding to the ledger information in the multi-family remodeling business fund support company loan product subscription information to be processed in connection with the ledger D / B (3800). It is preferable that a number is further included.

The combination cost information may include information on the amount of money to be spent during the remodeling business, for a union established by a member (eg, the owner) of the apartment house to be remodeled to promote the remodeling business. It may be changed according to the intention and purpose of those skilled in the art.

When the remodeling business starts the remodeling business for the remodeling apartment house, the construction cost information preferably includes at least one information on the amount of money required for construction during the remodeling project and at least one remodeling apartment house information. And depending on the purpose.

The construction sales receivable information is the contractor started the remodeling business as the main business activities for the remodeling business for the remodeled apartment, but the accounts receivable information on the uncollected amount and the receivable information on the notes received, It is preferable to include at least one house information, it may be changed according to the intention and purpose of those skilled in the art.

The customer (SPC) information is the personal information of the customer (SPC) (for example, the name of the customer (SPC), social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the member information of the customer (SPC) ( For example, when the customer SPC joins the financial transaction customer SPC of the financial institution, the financial system linked with the apartment remodeling business fund support company loan product account opening system in response to the customer SPC. At least one member ID information, or CIF (Customer Information File), etc., which are provided in the customer (SPC) ledger provided therein, is preferably included.

The loan approval amount information is for the customer (SPC) applying for subscription to the apartment remodeling business fund support company loan product, the combination cost information and construction cost information included in the apartment remodeling business fund support company loan product subscription information It is preferable to include the amount of information calculated in connection with the security ratio, and may be changed according to the intention and purpose of those skilled in the art.

In addition, the loan approval amount information is a loan support money corresponding to the construction cost of the loan approval amount, without supporting the loan approval amount in full to the customer (SPC) applying for subscription to the apartment remodeling business funds support company loan product It is desirable to provide limited support in response to ready-made high after confirming ready-made.

Figure 39 is a storage medium for storing the multi-unit housing remodeling business funds assistance company loan product subscription information corresponding to the multi-family remodeling business funds support company loan product account opened in a non-face-to-face according to another embodiment of the present invention (3805) ) Is a view showing an implementation method including a DBMS provided in the banking server.

In more detail, FIG. 39 illustrates a predetermined banking system in which the storage medium 3605 shown in FIG. 36 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment of the method provided in the DBMS provided in the server, those skilled in the art to which the present invention belongs, provided with at least one or more banking server by referring to and / or modified in this figure 39 Although it may be possible to infer a method for constructing information on the apartment remodeling business fund support company loan product subscription information stored in a predetermined DBMS, the present invention includes all the implementation methods inferred, and is shown in FIG. It is not limited to the method alone.

According to another embodiment of the present invention, the storage medium 3805 includes a DBMS provided in a banking server. Referring to FIG. 39, a predetermined DBMS provided in the banking server includes the fund for remodeling the apartment house. Characterized in that the store (SPC) information included in the support company loan product subscription application information, loan approval amount information, construction sales receivables information including at least one apartment housing remodeling business funds support enterprise loan product subscription information characterized in that it stores .

The combination cost information may include information on the amount of money to be spent during the remodeling business, for a union established by a member (eg, the owner) of the apartment house to be remodeled to promote the remodeling business. It may be changed according to the intention and purpose of those skilled in the art.

When the remodeling business starts the remodeling business for the remodeling apartment house, the construction cost information preferably includes at least one information on the amount of money required for construction during the remodeling project and at least one remodeling apartment house information. And depending on the purpose.

The construction sales receivable information is the contractor started the remodeling business as the main business activities for the remodeling business for the remodeled apartment, but the accounts receivable information on the uncollected amount and the receivable information on the notes received, It is preferable to include at least one house information, it may be changed according to the intention and purpose of those skilled in the art.

The customer (SPC) information is the personal information of the customer (SPC) (for example, the name of the customer (SPC), social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the member information of the customer (SPC) ( For example, when the customer SPC joins the financial transaction customer SPC of the financial institution, the financial system linked with the apartment remodeling business fund support company loan product account opening system in response to the customer SPC. At least one member ID information, or CIF (Customer Information File), etc., which are provided in the customer (SPC) ledger provided therein, is preferably included.

The loan approval amount information is for the customer (SPC) applying for subscription to the apartment remodeling business fund support company loan product, the combination cost information and construction cost information included in the apartment remodeling business fund support company loan product subscription information It is preferable to include the amount of information calculated in connection with the security ratio, and may be changed according to the intention and purpose of those skilled in the art.

In addition, the loan approval amount information is a loan support money corresponding to the construction cost of the loan approval amount, without supporting the loan approval amount in full to the customer (SPC) applying for subscription to the apartment remodeling business funds support company loan product It is desirable to provide limited support in response to ready-made high after confirming ready-made.

40A and 40B are diagrams illustrating a process of opening a multi-unit housing remodeling business fund support company loan product account for processing a combination loan and a construction cost as a company loan support amount in a non-face-to-face manner according to an exemplary embodiment of the present invention. .

In more detail, in FIG. 40a and FIG. 40b, the terminal device 3690 on the system for opening an apartment remodeling business fund support company loan product shown in FIG. 36 is a client terminal, and the financial institution server 3600 is a predetermined network means. In the case where the client terminal has a web server function which can be accessed through the client terminal, a predetermined customer (SPC) may purchase a multi-unit housing remodeling business fund support company loan product account for processing the union fee and the construction cost as the company loan support amount according to the established cost. The apartment house remodeling business fund support enterprise loan product subscription application information including at least one or more customer (SPC) information, combination cost information, construction cost information, construction sales receivable information to provide through the client terminal, the apartment Remodeling Business Fund Support Company Loan Product Account Opening System Based on the joint housing remodeling business fund support enterprise loan product subscription application information including at least one of union cost information, construction cost information, and construction sales receivable information. An embodiment of the present invention relates to a method for opening a home remodeling business fund support company loan product account. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 40a and 40b. In the financial company server 3600 may be inferred from the various implementation methods for registering the apartment housing remodeling business funds support company loan product subscription application information, the present invention includes all the inferred implementation method, this figure 40a It is not limited to the embodiment shown in Figure 40b.

For example, although the implementation method illustrated in FIGS. 40A and 40B includes a process of generating a predetermined electronic document corresponding to the apartment remodeling business fund support company loan product subscription application information and storing it in an electronic document repository, The above process may be omitted according to the intention of those skilled in the art, and thus the present invention is not limited.

In addition, the implementation method illustrated in FIGS. 40A and 40B provides that the financial institution server 3600 provides a user interface for the client terminal to input (or select) the application information for subscription to the apartment remodeling business fund support company loan product. Although illustrated as being provided through a predetermined web page, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 3600, and thus the present invention is provided. It is not limited.

Hereinafter, in FIGS. 40A and 40B, the client terminal illustrated in FIG. 36 is referred to as a “terminal” for convenience, and the financial institution server 3600 illustrated in FIG. 36 is referred to as a “server” for convenience. The customer (SPC) information, combination cost information, construction cost information, construction sales receivable information transmitted to the financial company server 3600 is referred to as "community housing remodeling business funds support company loan product subscription application information" for convenience.

Referring to FIGS. 40A and 40B, when the client terminal illustrated in FIG. 36 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the combination ratio And requesting a web page including a user interface for processing the construction cost as an enterprise loan support amount according to the established loan (4000), and in response, the server requests the customer (SPC) information, combination cost information, construction cost information, construction sales receivable. Enter (or select) application information for joining a business loan remodeling business loan support business loan including at least one information and transmit the information to the server Generate (or extract) a web page including a user interface (4005), and transmit and output the web page including the generated (or extracted) user interface to the terminal through the network means (4010). .

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the procedure of registering for the information on the application for registration of a business loan remodeling business fund support company loan remodeling business. The present invention is not limited thereby.

Subsequently, the terminal inputs the application information for applying for subscription to the apartment housing remodeling business fund supporting company loan including at least one or more customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information through a user interface included in the web page. (Or select) 4015.

If the terminal inputs (or selects) the apartment home remodeling business fund assistance enterprise loan product subscription application information including the customer (SPC) information, the combination cost information, the construction cost information, and the construction sales receivable information through the user interface (4020). The terminal transmits the input (or selected) customer (SPC) information, combination cost information, construction cost information, construction sales receivable information to the server through the communication channel (4025).

According to an embodiment of the present invention, the terminal includes at least one of the customer (SPC) information, the combination cost information, the construction cost information, construction sales receivables information, the apartment remodeling business funds support company loan product subscription application information in the server At least an OTP code generated through a predetermined password and / or security card information and / or a predetermined one-time password (OTP) generator for verifying the validity of the apartment housing remodeling business fund assistance company loan product subscription application information Preferably, at least one further transmission to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one or more apartment house remodeling business funds assistance enterprise loan product subscription application information including at least one of the customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information. Encrypt using an encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or remodel the apartment It is preferable to attach a predetermined electronic signature to the business loan support enterprise loan product subscription application information and transmit it to the server through the network means, for which the terminal has at least one encryption key corresponding to the encryption scheme or And / or any public certificate that includes at least one encryption key And / or when the official certificate is provided on a predetermined IC chip (or IC card), it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided. .

According to an embodiment of the present invention, the terminal may include at least one or more apartment house remodeling business funds assistance enterprise loan product subscription application information including at least one of the customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information. Encryption by encryption method (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) to the server via the network means. Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certification. When a certificate is provided on a predetermined IC chip (or IC card), the certificate is placed on the IC chip (or IC card). It is a card reader for identifying the certificate is provided it is preferable.

Those skilled in the art to which the present invention pertains, technical features of the various encryption schemes for encrypting the application information for applying for subscription to the apartment housing remodeling business fund, and the company remodeling business fund supporting company loan product Since you will be familiar with the technical features of attaching a predetermined electronic signature to the subscription application information, a detailed description thereof will be omitted for convenience.

Subsequently, the server receives and reads the customer (SPC) information, the combination cost information, the construction cost information, the construction sales receivable information through the communication channel to confirm the validity of the application information subscription application information for the apartment remodeling business fund support (4030).

According to the implementation method of the present invention, the apartment house remodeling business fund support company loan product subscription application information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope) Based encryption method, and / or key exchange based encryption method), the server may include at least one decryption method corresponding to the encryption method. For example, a symmetric key based decryption scheme, and / or a public key based decryption scheme, and / or an electronic envelope based decryption scheme, and / or a key exchange based decryption scheme. It is desirable to verify the validity of the loan application information.

Alternatively, when a predetermined electronic signature is attached to the apartment housing remodeling business fund support company loan product subscription application information, the server checks the electronic signature attached to the apartment housing remodeling business fund support company loan product subscription application information, It is preferable to authenticate the validity of the application information for applying for subscription to the apartment remodeling business funds received.

Those skilled in the art to which the present invention pertains, technical features of various decryption methods for decrypting the encrypted multi-family remodeling business fund support company loan product subscription application information, and the multi-family remodeling business fund support company You will be familiar with the technical features of verifying the electronic signature attached to the loan application information, so a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the multi-home remodeling business fund support company loan product subscription application information received through the information receiving unit 3615 for verifying the validity of the multi-family remodeling business fund support company loan product subscription application information is received. If a predetermined password is further included, the server compares the password included in the apartment remodeling business fund support company loan product subscription application information with the password provided corresponding to the customer (SPC) on the DBMS and By authenticating, it is preferable to authenticate the validity of the received apartment housing remodeling business fund support company loan product subscription application information.

Alternatively, predetermined security card information for confirming the validity of the multi-family remodeling business fund support company loan product subscription application information to the multi-family remodeling business fund support company loan product subscription application information received through the information receiver 3615. Is further included, the server compares the security card information received in response to the customer (SPC) on the DBMS and the received security card information included in the apartment remodeling business funds support company loan product subscription application information And by authenticating, it is preferable to authenticate the validity of the received apartment housing remodeling business funds support company loan product subscription application information.

Alternatively, a predetermined OTP code for checking the validity of the multi-family remodeling business fund support company loan product subscription application information is received in the multi-family remodeling business fund support company loan product subscription application information received through the information receiving unit 3615. If further included, the server is based on the OTP code received in response to the customer (SPC) on the DBMS included in the apartment housing remodeling business funds support company loan product subscription application information received on the DBMS based on the information generated By comparing and authenticating the generated OTP code, it is preferable to authenticate the validity of the received information on the application for applying for the apartment housing remodeling business funds.

According to the implementation method of the present invention, the validity of the apartment remodeling business fund support company loan product subscription application information is confirmed by the ledger D / B on the financial system linked to the system for remodeling business loan support company loan product account opening system ( 3800), it is preferable to include whether the at least one or more ledger information matching the application information for applying for apartment loan remodeling business loan product registration is registered.

For example, the validity of the apartment remodeling business fund support company loan product subscription application information is the customer (SPC) information (SPC) of the information contained in the apartment remodeling business fund support company loan product subscription application information. Personal information, member information, etc.) is matched with the customer (SPC) ledger stored in the ledger D / B (3800) on the financial system associated with the apartment remodeling business funds support business loan opening system It is preferable to make.

If the validity of the apartment housing remodeling business fund support company loan product subscription application information is not authenticated (4035), the server generates a web page including predetermined financial account error information and transmits it to the terminal (4040). In addition, the company does not perform the procedure for opening the apartment remodeling business funding company loan product account.

On the other hand, if the validity of the apartment home remodeling business fund support company loan product subscription application information is authenticated (4035), the server includes at least one customer (SPC) including the apartment home remodeling business fund support company loan product subscription information. Generates predetermined document content including information, combination cost information, construction cost information, and construction sales receivable information (4045), and generates a predetermined apartment housing remodeling business fund assistance enterprise loan product subscription application electronic document including the document content. (4050).

According to one embodiment of the invention, the server is at least one customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the received apartment housing remodeling business funds support company loan product subscription application information A word processor file generating document content including the document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. , Or a web document file including an MHT) is preferably processed as an electronic document for applying for a subscription to the apartment housing remodeling business funds for processing the combination cost and the construction cost as a corporate loan support amount according to a preliminary notice.

Or, the server generates document content including at least one or more customer (SPC) information, combination cost information, construction cost information, construction sales receivables information included in the received apartment housing remodeling business funds support company loan product subscription application information And watermarking information on at least one of customer (SPC) information, union cost information, construction cost information, and construction sales receivable information included in the multi-unit housing remodeling business loan support subscription information. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file including MHT). It is desirable to deal with public housing renovation projects funded enterprise loan product subscription for the electronic document processing.

Or, the server generates document content including at least one or more customer (SPC) information, combination cost information, construction cost information, construction sales receivables information included in the received apartment housing remodeling business funds support company loan product subscription application information And an image file including the captured image contents (e.g., image contents generated by capturing the document contents on a memory) for processing the combination cost and the construction cost as a corporate loan support amount according to the established notice. Apartment Housing Remodeling Business Fund Support It is desirable to process electronic loan application form.

Or, the server generates document content including at least one or more customer (SPC) information, combination cost information, construction cost information, construction sales receivables information included in the received apartment housing remodeling business funds support company loan product subscription application information And customer (SPC) information included in the multi-unit housing remodeling business fund support company loan product subscription application information in the image content (eg, the image content generated by capturing the document content on a memory) of the document content. After the at least one or more information of the combination cost information, construction cost information, construction sales receivable information including watermarking (Watermarking) method, an image file containing the image content including the watermarking according to the combination cost and construction cost Apartment fund for remodeling business for remodeling apartments for processing with loan assistance amount Products Up is preferable to apply processing to electronic documents.

According to another exemplary embodiment of the present invention, the server includes at least one of customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information included in the received apartment housing remodeling business fund support company loan product subscription application information. A predetermined document file (for example, PDF (Portable Document)) including document content including the above-described document content and image content (eg, image content generated by capturing the document content on a memory) is captured. Format file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, web document file including MHT), and the like. Apartment housing remodeling for the processing of corporate loan support amount. It is preferable to process.

Or, the server generates document content including at least one or more customer (SPC) information, combination cost information, construction cost information, construction sales receivables information included in the received apartment housing remodeling business funds support company loan product subscription application information And the customer (SPC) included in the apartment remodeling business fund support company loan product subscription application information in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content. A document file (eg, PDF) that generates image content including at least one or more of information, combination cost information, construction cost information, and construction sales receivable information by a watermarking method, and includes the image content including the watermarking. (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, or the like. Application for joining a business remodeling project fund for apartment housing remodeling for processing the combination cost and construction cost as the company loan support amount according to the established notice by generating a word processor file including at least one or a web document file including MHT) It is preferable to process the document.

According to another exemplary embodiment of the present invention, the server includes at least customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the received apartment housing remodeling business fund support company loan product subscription application information. Create a document content including at least one, and the image content (e.g., the image content generated by capturing the document content on the memory) and the apartment housing remodeling business funds support enterprise loan product subscription application A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), the combination and construction costs are processed according to the established loan as the amount of the company loan support. Be treated as a public housing renovation projects funded enterprise loan product subscription electronic documents is desirable.

Or, the server generates document content including at least one or more customer (SPC) information, combination cost information, construction cost information, construction sales receivables information included in the received apartment housing remodeling business funds support company loan product subscription application information And customer (SPC) information included in the multi-unit housing remodeling business fund support company loan product subscription application information in the image content (eg, the image content generated by capturing the document content on a memory) of the document content. And generate image contents including at least one or more information of union cost information, construction cost information, and construction sales receivable information by a watermarking method, and the image content including the watermarking and the corporate housing remodeling business fund support company loan. Document file containing product subscription application information (e.g., Portable Document Fo rmat) file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, etc., or web document file including MHT). Apartment housing remodeling for the processing of the company loan support business fund support It is desirable to process the electronic loan application to join the company loan product.

Those skilled in the art to which the present invention pertains, the technical features that the server generates the electronic housing remodeling business funds support enterprise loan product subscription application electronic document in the image file format and / or predetermined document file format, Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic housing remodeling business funds assistance company loan product subscription application electronic document, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic home remodeling business fund assistance enterprise loan product subscription application electronic document in a predetermined electronic document storage (4055).

As shown in FIG. 36, the electronic document repository is connected to a server on the multi-family remodeling business fund support company loan product account opening system with a predetermined electronic document server 3660 and electronic document D / When provided to the outside including the B (3680), the server transmits the generated electronic housing remodeling business funds support company loan product subscription application electronic document to the electronic document server (3660) through the communication means It is preferable to store in the electronic document D / B 3680.

Or, if the electronic document storage is provided on the DBMS provided in the system for remodeling business loan support company loan product opening system, the server is the electronic housing remodeling business money support company loan product subscription application electronic document generated It can be stored in the electronic document D / B (3680) corresponding to the electronic document storage on the DBMS provided in the apartment remodeling business funds support company loan product account opening system, thereby the present invention is not limited.

According to the implementation method of the present invention, the electronic housing remodeling business fund support company loan product subscription application electronic document storage in the electronic document storage, the generated multi-family remodeling business fund support company loan product subscription application electronic document and predetermined And linking the electronic document management information to the electronic document D / B 3680 shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the electronic housing remodeling business fund support company loan product subscription application electronic document and the electronic document storage date and time information. Do.

The electronic document management information may further include financial institution information that transmits the electronic housing remodeling business fund support company loan product subscription application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer (SPC) information transmitted by inputting (selection) of the apartment remodeling business fund support company loan product subscription application information), and / or the apartment house. Financial institution information for transmitting the electronic document, and / or electronic document file format information, and / or the information for applying for the loan for the remodeling business loan support company loan product, etc.). It is preferable.

If the electronic document is stored in the electronic housing remodeling business capital support company loan product subscription application electronic document (4060), the server is included in the multi-family remodeling business capital support company loan product subscription application information (SPC) The financial account information is generated based on the information, the combination cost information, the construction cost information, and the construction sales receivable information (4065).

Herein, the financial account information may include account number and interest rate information corresponding to the multi-family remodeling business fund support company loan product account opened based on the multi-family remodeling business fund support company loan product subscription application information. In addition, when the multi-family housing remodeling business fund support company loan product account includes a savings attribute, it is preferable that the predetermined housing period, payment date and time and payment amount information is further included.

Thereafter, the server is linked to the financial system based on the customer (SPC) information, union cost information, construction cost information, construction sales receivables information included in the apartment housing remodeling business fund support company loan product subscription application information A financial account in the name of the customer (SPC) including the information is opened (4070).

According to an embodiment of the present invention, the server generates a customer (SPC) ledger including customer (SPC) information included in the financial account opening application information in connection with the financial system (or the customer (SPC) information) Check the customer ledger (SPC) which is already matched with the corresponding information), generate predetermined account ledger information including the financial account information, and then add the account ledger to a predetermined account ledger associated with the customer (SPC) ledger. By storing the information, it is characterized in that a predetermined financial account for processing the combination cost and construction cost as a corporate loan support amount in accordance with the existing high-resistance in response to the application information for subscription to the apartment housing remodeling business fund support, characterized in that the opening process.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the financial account information in the ledger D / B 3800 in association with the financial system. It is desirable to produce.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 3800 on the financial system to create a predetermined ledger including the financial account information.

Thereafter, the server is a multi-family housing remodeling business capital support company including at least one or more of the customer (SPC) information, loan approval amount information, construction sales receivables information included in the loan application subscription information information The loan product subscription information is generated and stored in a predetermined storage medium 3805 (4075).

According to an exemplary embodiment of the present invention, when the storage medium 3805 is provided in the server or on a network connected with the server, the server requests to subscribe to the received multi-family remodeling business fund support company loan product. It is preferable that the storage medium (3805) store the information related to the apartment remodeling business fund support company loan product including at least one of the customer (SPC) information, loan approval amount information, and construction sales receivable information included in the information. .

According to another exemplary embodiment of the present invention, when the storage medium 3805 is provided in a DBMS provided on a financial system, the server includes the received apartment housing remodeling business fund support company loan product subscription application information. Apartment housing remodeling business fund support including at least one or more customer (SPC) information, loan approval amount information, construction sales receivables information Business loan product subscription information provided to the information system through the external system on the financial system provided on the financial system It is preferable to store in the DBMS.

Subsequently, the server may provide a predetermined financial account opening history information (for example, the history of the remodeling business fund support company loan product account opening, and / or the apartment remodeling business money support company loan product subscription to the electronic document repository. A document storing the document, and / or a record of storing the apartment housing remodeling business fund support company loan product subscription application information in the storage medium 3805 is generated (or extracted) and transmitted to the terminal (4080).

According to an exemplary embodiment of the present invention, the storage medium 3805 is provided on the system for remodeling business loan support company loan product account opening system (or linked with the system for refinancing business loan support company loan remodeling business money accounting system). The storage medium 3805 is a ledger D / B 3800 provided in the DBMS on the financial system, and / or the ledger D / B 3800. It may be any database associated with the present invention, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 3805 may be provided on (or linked to) an internet banking system, and / or a telebanking system provided on the system for opening an apartment remodeling business fund support company loan product. And / or a DBMS on at least one of the wireless banking system, and / or the TV banking system. The present invention is not limited thereto.

41A, 41B, and 41C are diagrams illustrating a process of opening a corporate housing remodeling project fund support company loan remodeling project for processing a combination cost and a construction cost as a company loan support amount according to an established method according to one embodiment of the present invention.

In more detail, FIGS. 41A, 41B, and 41C illustrate a case in which a system for opening a multi-family remodeling business fund support company loan product account shown in FIG. 36 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the In the case where the financial institution server 3600 of the multi-unit house remodeling business fund support company loan product opening system shown in FIG. 36 is an Internet banking server, the client terminal is configured to establish a TCP / IP-based network (for example, the Internet). After connecting to the Internet banking server and performing a predetermined customer (SPC) authentication procedure, the apartment house remodeling business funds support enterprise loan product for processing the combination and construction costs as the company loan support amount in accordance with the preliminary notice at the client terminal Applying for a predetermined apartment remodeling business fund support company loan product to open an account When the information is transmitted to the internet banking server, the apartment housing remodeling business funds support company loan product subscription application information including at least one of the customer (SPC) information, combination cost information, construction cost information, construction sales receivable information in the Internet banking server Based on the implementation method for the process of opening the apartment housing remodeling business fund support enterprise loan product account for processing the combination cost and construction cost as the company loan support amount according to the established high-technical knowledge in the technical field to which the present invention belongs. If you have a variety of implementation methods for registering the application information for the subscription to the apartment remodeling business funds support enterprise loan product through another type of non-face-to-face financial transaction channel by referring to and / or modifying the drawings 41a, 41b and 41c. It may be inferred, but the present invention is directed to all embodiments inferred above. The inclusion, and is not limited to the exemplary method shown in the figure 41a and figure 41b and 41c drawings.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 41A, 41B, and 41C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering a residential home remodeling business fund support company loan product subscription application information between the client terminal and the internet banking server is illustrated based on the browser program, the present invention belongs. Those skilled in the art may refer to and / or modify an Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 41A, 41B, and 41C, and the predetermined Internet mounted on the client terminal. Based on the banking program But it can be inferred an implementation method of connecting an internet banking-based financial transaction channel for registration of apartment housing remodeling business funds support company loan product subscription information between the client terminal and the Internet banking server, but the present invention provides the Internet banking program. Internet banking-based financial transactions are provided that are based on the present invention, whereby the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figure 41a, 41b and 41c, Infers a method for connecting non-face-to-face financial channels based on apartment remodeling business funding business loan product registration information in other banking systems such as telebanking systems and / or wireless banking systems and / or TV banking systems. It will be appreciated, however, that the present invention encompasses all types of non-face-to-face channel based financial transactions, including the telebanking system and / or wireless banking system and / or TV banking system and / or the future proposed non-face-to-face banking system. In the case of the Internet banking shown in Figs. 41A, 41B, and 41C, It is by no means limited.

In addition, the method shown in FIGS. 41A, 41B, and 41C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage. However, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

In the following Figures 41a, 41b and 41c, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 3600 is referred to as "server" for convenience.

41A, 41B, and 41C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (4100a), the server communicates with the terminal through the browser. A communication channel between the servers is connected (4105a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in a browser program included in the web browser.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (4110a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests version information and / or last update date information from the internet banking program, thereby providing the Internet banking program (and / Or a security module associated with the Internet banking program) can be updated.

If a predetermined security module is to be installed and / or updated in the terminal (4115a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (4120a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (4125a), or if the terminal does not need to install and / or update the Internet banking security module (4115a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (4130a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm; By attaching a predetermined digital signature to information (or data) to be provided to the server for transmission, and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server may verify the electronic signature or And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the terminal remodeling business capital support company loan product subscription application information in the terminal. A predetermined electronic form of information (or data) to be provided to the server for registration. When the name is attached and / or encrypted and transmitted using at least one encryption method (and / or encryption algorithm), the server verifies the digital signature and / or corresponds to the encryption method (and / or encryption algorithm). A communication channel for decoding the information (or data) by a predetermined decoding method (and / or decoding algorithm).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using an authorized certificate of the customer (SPC) mounted on the terminal. It is characterized by performing.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer (SPC) authentication procedure through the browser program (4135a).

According to an embodiment of the present invention, the Internet banking customer (SPC) authentication process is the customer (SPC) through the terminal predetermined Internet banking based customer (SPC) authentication data (for example, customer (SPC) Internet banking) When the ID / PW or customer (SPC) number, etc. registered during the application process is input (or generated) and transmitted to the server, the server (accessed through the terminal based on the customer (SPC) authentication data from the server) SPC) is authenticated with an Internet banking customer (SPC), wherein the customer (SPC) authentication data is preferably transmitted electronically and / or encrypted over the secure channel.

According to another embodiment of the present invention, the Internet banking customer (SPC) authentication procedure is the customer (SPC) through the terminal predetermined Internet banking based customer (SPC) authentication data (for example, the customer (SPC) Internet) ID (PW, or customer (SPC) number, etc.) registered during the banking application process to enter (or create) and transmit to the authentication server, the authentication server is connected through the terminal based on the customer (SPC) authentication data And authenticating one customer (SPC) as an internet banking customer (SPC) and providing the result to the server, wherein the customer (SPC) authentication data preferably includes accredited certificate-based authentication data. And, the authentication server is a server for authenticating the certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer (SPC) authentication data according to the request, and digitally signs and / or encrypts the data through the security module and transmits the data to the server (and / or the authentication server). Request for customer (SPC) authentication (4140a), the server (and / or authentication server) non-facing the customer (SPC) connected through the terminal based on the customer (SPC) authentication data received from the terminal Authenticate as an internet banking customer (SPC) for channel-based financial transactions (4145a).

If the Internet banking customer (SPC) authentication fails (4150a), the server blocks the Internet banking security channel for the terminal (4155a), so that the Internet banking-based financial transactions are processed through the terminal.

On the other hand, if the Internet banking customer (SPC) authentication is successful (4150a), the server is connected to the security module provided in the terminal to convert the security channel for internet banking to Internet banking-based financial transaction channel (4160a), where Internet banking-based financial transaction channel can be registered by sending a predetermined apartment housing remodeling business funds support enterprise loan product subscription application information for processing the combination cost and construction cost as the company loan support amount from the terminal to the server according to the established high It means a communication channel.

Subsequently, when the terminal requests a web page including a user interface for processing the combination cost and construction cost as an enterprise loan support amount according to the established bill, through the internet banking-based financial transaction channel (4100b), correspondingly, The server inputs (or selects) the application information for joining the apartment remodeling business fund support company loan product including at least one of the customer (SPC) information, the combination cost information, the construction cost information, the construction sales receivable information, and transmits the information to the server. A web page including a user interface is generated (or extracted) (4105b), and a web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel and outputted to the terminal ( 4110b).

According to the implementation method of the present invention, the web page is the apartment house remodeling business funds support enterprise loan product subscription application information including at least one or more customer (SPC) information, combination cost information, construction cost information, construction sales receivable information in the terminal It is preferable to include an input (or selection) user interface, and / or to verify the validity of the Internet banking customer (SPC) requesting to register the information for applying for subscription to the apartment remodeling business funds Predetermined password and / or security card information (e.g., security card information printed on a security card issued to a customer (SPC) during the Internet banking application process) and / or one time password (OTP) (e.g., an internet banking application process ( Or after you apply for Internet banking) the OTP authenticator (or OTP certification program) provided to your customer (SPC) by your financial institution. It is preferable to further include a user interface for inputting a one-time password generated through).

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least one or more times in accordance with the registration procedure for registration information subscription application for corporate housing remodeling business fund support, whereby the present invention is not limited thereto. .

Subsequently, the terminal inputs the application information for applying for subscription to the apartment housing remodeling business fund support company loan including at least one of the customer (SPC) information, the combination cost information, the construction cost information, and the construction sales receivable information through the financial account opening interface (or 4115b).

If the terminal (SPC) information, combination cost information, construction cost information, construction housing renovation project funding support loan application information including the construction sales receivable information is input (or selected) through the user interface (4120b) In operation 4125b, the terminal transmits the input (or selection) of the multi-family housing remodeling business fund support company loan product subscription application information to the server through the financial transaction channel.

According to an embodiment of the present invention, the terminal includes at least one of the customer (SPC) information, the combination cost information, the construction cost information, construction sales receivables information, the apartment remodeling business funds support company loan product subscription application information in the server At least an OTP code generated through a predetermined password and / or security card information and / or a predetermined one-time password (OTP) generator for verifying the validity of the apartment housing remodeling business fund assistance company loan product subscription application information Preferably, at least one further transmission to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one or more apartment house remodeling business funds assistance enterprise loan product subscription application information including at least one of the customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information. Encrypt using an encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or remodel the apartment It is preferable to attach a predetermined electronic signature to the business loan support enterprise loan product subscription application information and transmit it to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption method. Or, and / or any authorized certificate including at least one encryption key And / or when the official certificate is provided on a predetermined IC chip (or IC card), it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided. .

According to an embodiment of the present invention, the terminal may include at least one or more apartment house remodeling business funds assistance enterprise loan product subscription application information including at least one of the customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information. Encryption by encryption method (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) to the server via the network means. Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certification. When a certificate is provided on a predetermined IC chip (or IC card), the certificate is placed on the IC chip (or IC card). It is a card reader for identifying the certificate is provided it is preferable.

Those skilled in the art to which the present invention pertains, technical features of the various encryption schemes for encrypting the application information for applying for subscription to the apartment housing remodeling business fund, and the company remodeling business fund supporting company loan product Since you will be familiar with the technical features of attaching a predetermined electronic signature to the subscription application information, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the apartment remodeling business fund support company loan product subscription application information through the financial transaction channel to check the validity of the apartment home remodeling business fund support company loan product subscription application information (4130b). ).

According to the implementation method of the present invention, the apartment house remodeling business fund support company loan product subscription application information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope) Based encryption method, and / or key exchange based encryption method), the server may include at least one decryption method corresponding to the encryption method. For example, a symmetric key based decryption scheme, and / or a public key based decryption scheme, and / or an electronic envelope based decryption scheme, and / or a key exchange based decryption scheme. It is desirable to verify the validity of the loan application information.

Alternatively, when a predetermined electronic signature is attached to the apartment housing remodeling business fund support company loan product subscription application information, the server checks the electronic signature attached to the apartment housing remodeling business fund support company loan product subscription application information, It is preferable to authenticate the validity of the received apartment housing remodeling business funds support company loan product subscription application information.

Those skilled in the art to which the present invention pertains, technical features of various decryption methods for decrypting the encrypted multi-family remodeling business fund support company loan product subscription application information, and the multi-family remodeling business fund support company You will be familiar with the technical features of verifying the electronic signature attached to the loan application information, so a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the multi-home remodeling business fund support company loan product subscription application information received through the information receiving unit 3615 for verifying the validity of the multi-family remodeling business fund support company loan product subscription application information is received. If a predetermined password is further included, the server compares the password included in the apartment remodeling business fund support company loan product subscription application information with the password provided corresponding to the customer (SPC) on the DBMS and By authenticating, it is preferable to authenticate the validity of the received apartment housing remodeling business fund support company loan product subscription application information.

Alternatively, predetermined security card information for confirming the validity of the multi-family remodeling business fund support company loan product subscription application information to the multi-family remodeling business fund support company loan product subscription application information received through the information receiver 3615. Is further included, the server compares the security card information received in response to the customer (SPC) on the DBMS and the received security card information included in the apartment remodeling business funds support company loan product subscription application information And by authenticating, it is preferable to authenticate the validity of the received apartment housing remodeling business funds support company loan product subscription application information.

Alternatively, a predetermined OTP code for checking the validity of the multi-family remodeling business fund support company loan product subscription application information is received in the multi-family remodeling business fund support company loan product subscription application information received through the information receiving unit 3615. If further included, the server is based on the OTP code received in response to the customer (SPC) on the DBMS included in the apartment housing remodeling business funds support company loan product subscription application information received on the DBMS based on the information generated By comparing and authenticating the generated OTP code, it is preferable to authenticate the validity of the received information on the application for applying for the apartment housing remodeling business funds.

According to the implementation method of the present invention, the validity of the apartment remodeling business fund support company loan product subscription application information is confirmed by the ledger D / B on the financial system linked to the system for remodeling business loan support company loan product account opening system ( 3800), it is preferable to include whether the at least one or more ledger information matching the application information for the apartment housing remodeling business loan product subscription application is registered.

For example, the validity of the apartment remodeling business fund support company loan product subscription application information is the customer (SPC) information (SPC) of the information contained in the apartment remodeling business fund support company loan product subscription application information. Personal information, member information, etc.) is matched with the customer (SPC) ledger stored in the ledger D / B (3800) on the financial system associated with the apartment remodeling business funds support business loan opening system It is preferable to make.

If the validity of the apartment housing remodeling business fund support company loan product subscription application information is not verified (4135b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (4140b). In addition, the company does not perform the procedure for opening the apartment remodeling business funding company loan product account.

On the other hand, if the validity of the apartment home remodeling business fund support company loan product subscription application information is verified (4135b), the server includes at least one customer (SPC) including the apartment home remodeling business fund support company loan product subscription application information. Generate predetermined document content including information, combination cost information, construction cost information, and construction sales receivable information (4145b), and generate an electronic document for applying for a predetermined apartment remodeling business fund support enterprise loan product including the document content. (4150c).

According to one embodiment of the invention, the server is at least one customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the received apartment housing remodeling business funds support company loan product subscription application information A word processor file generating document content including the document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. , Or a web document file including an MHT) is preferably processed as an electronic document for applying for a subscription to the apartment housing remodeling business funds for processing the combination cost and the construction cost as a corporate loan support amount according to a preliminary notice.

Or, the server generates document content including at least one or more customer (SPC) information, combination cost information, construction cost information, construction sales receivables information included in the received apartment housing remodeling business funds support company loan product subscription application information And watermarking information on at least one of customer (SPC) information, union cost information, construction cost information, and construction sales receivable information included in the multi-unit housing remodeling business loan support subscription information. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file including MHT) based on the combination and construction costs It is desirable to deal with public housing renovation projects funded enterprise loan product subscription for the electronic document processing.

Or, the server generates document content including at least one or more customer (SPC) information, combination cost information, construction cost information, construction sales receivables information included in the received apartment housing remodeling business funds support company loan product subscription application information And an image file including the captured image contents (e.g., image contents generated by capturing the document contents on a memory) for processing the combination cost and the construction cost as a corporate loan support amount according to the established notice. Apartment Housing Remodeling Business Fund Support It is desirable to process electronic loan application form.

Or, the server generates document content including at least one or more customer (SPC) information, combination cost information, construction cost information, construction sales receivables information included in the received apartment housing remodeling business funds support company loan product subscription application information And customer (SPC) information included in the multi-unit housing remodeling business fund support company loan product subscription application information in the image content (eg, the image content generated by capturing the document content on a memory) of the document content. After including at least one or more of the combination cost information, construction cost information, construction trade receivable information in a watermarking method, the image file including the image content including the watermarking according to the combination cost and construction cost Apartment fund for remodeling business for remodeling apartments for processing with loan assistance amount Products Up is preferable to apply processing to electronic documents.

According to another exemplary embodiment of the present invention, the server includes at least one of customer (SPC) information, combination cost information, construction cost information, and construction sales receivable information included in the received apartment housing remodeling business fund support company loan product subscription application information. A predetermined document file (for example, PDF (Portable Document)) including document content including the above-described document content and image content (eg, image content generated by capturing the document content on a memory) is captured. Format file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, web document file including MHT), and the like. Apartment housing remodeling for the processing of corporate loan support amount. It is preferable to process.

Or, the server generates document content including at least one or more customer (SPC) information, combination cost information, construction cost information, construction sales receivables information included in the received apartment housing remodeling business funds support company loan product subscription application information And the customer (SPC) included in the application information for applying for subscription to the apartment remodeling business funds in the image content (eg, the image content generated by capturing the document content on a memory) that captured the document content. A document file (eg, PDF) that generates image content including at least one or more of information, combination cost information, construction cost information, and construction sales receivable information by a watermarking method, and includes the image content including the watermarking. (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, or the like. Application for joining a business remodeling project fund for apartment housing remodeling for processing the combination cost and construction cost as the company loan support amount according to the established notice by generating a word processor file including at least one or a web document file including MHT) It is preferable to process the document.

According to another exemplary embodiment of the present invention, the server includes at least customer (SPC) information, combination cost information, construction cost information, construction sales receivable information included in the received apartment housing remodeling business fund support company loan product subscription application information. Create a document content including at least one, and the image content (e.g., the image content generated by capturing the document content on the memory) and the apartment housing remodeling business funds support enterprise loan product subscription application A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), the combination and construction costs are processed according to the established loan as the amount of the company loan support. Be treated as a public housing renovation projects funded enterprise loan product subscription electronic documents is desirable.

Or, the server generates document content including at least one or more customer (SPC) information, combination cost information, construction cost information, construction sales receivables information included in the received apartment housing remodeling business funds support company loan product subscription application information And customer (SPC) information included in the multi-unit housing remodeling business fund support company loan product subscription application information in the image content (eg, the image content generated by capturing the document content on a memory) of the document content. And generate image contents including at least one or more information of union cost information, construction cost information, and construction sales receivable information by a watermarking method, and the image content including the watermarking and the corporate housing remodeling business fund support company loan. Document file containing product subscription application information (e.g., Portable Document Fo rmat) file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, etc., or web document file including MHT). Apartment housing remodeling for the processing of the company loan support business fund support It is desirable to process the electronic loan application to join the company loan product.

Those skilled in the art to which the present invention pertains, the technical features that the server generates the electronic housing remodeling business funds support enterprise loan product subscription application electronic document in the image file format and / or predetermined document file format, Since the technical features of the file format for the image file and / or the document file corresponding to the electronic housing remodeling business loan support subscription application electronic document for the apartment will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic home remodeling business fund assistance enterprise loan product subscription application electronic document in a predetermined electronic document storage (4155c).

As shown in FIG. 36, the electronic document repository is connected to a server on the multi-family remodeling business fund support company loan product account opening system with a predetermined electronic document server 3660 and electronic document D / When provided to the outside including the B (3680), the server transmits the generated electronic housing remodeling business funds support company loan product subscription application electronic document to the electronic document server (3660) through the communication means It is preferable to store in the electronic document D / B 3680.

Or, if the electronic document storage is provided on the DBMS provided in the system for remodeling business loan support company loan product opening system, the server is the electronic housing remodeling business money support company loan product subscription application electronic document generated It can be stored in the electronic document D / B (3680) corresponding to the electronic document storage on the DBMS provided in the apartment remodeling business funds support company loan product account opening system, by which the present invention is not limited.

According to the implementation method of the present invention, the electronic housing remodeling business fund support company loan product subscription application electronic document storage in the electronic document storage, the generated multi-family remodeling business fund support company loan product subscription application electronic document and predetermined And linking the electronic document management information to the electronic document D / B 3680 shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the electronic housing remodeling business fund support company loan product subscription application electronic document and the electronic document storage date and time information. Do.

The electronic document management information may further include financial institution information that transmits the electronic housing remodeling business fund support company loan product subscription application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer (SPC) information transmitted by inputting (selection) of the apartment remodeling business fund support company loan product subscription application information), and / or the apartment house. Financial institution information for transmitting the electronic document, and / or electronic document file format information, and / or the information for applying for the loan for the remodeling business loan support company loan product, etc.). It is preferable.

If the electronic document is stored in the electronic housing remodeling business fund support company loan product subscription application electronic document (4160c), the server is included in the multi-family remodeling business fund support company loan product subscription application information (SPC) The financial account information is generated based on the information, the combination cost information, the construction cost information, and the construction sales receivable information (4165c).

Herein, the financial account information may include account number and interest rate information corresponding to the multi-family remodeling business fund support company loan product account opened based on the multi-family remodeling business fund support company loan product subscription application information. In addition, when the multi-family housing remodeling business fund support company loan product account includes a savings attribute, it is preferable that the predetermined housing period, payment date and time and payment amount information is further included.

Thereafter, the server is linked to the financial system based on the customer (SPC) information, union cost information, construction cost information, construction sales receivables information included in the apartment housing remodeling business fund support company loan product subscription application information A financial account in the name of the customer (SPC) including the information is opened (4170c).

According to an embodiment of the present invention, the server generates a customer ledger (SPC) including the customer (SPC) information included in the financial account opening application information in association with the financial system (or the customer (SPC) information and Check the customer ledger (SPC) that has been matched and provided), and generate predetermined account ledger information including the financial account information, and then add the account ledger information to a predetermined account ledger associated with the customer (SPC) ledger. By storing the, it is characterized in that a predetermined financial account for processing the combination cost and construction costs as a corporate loan support amount in accordance with the existing high cost in response to the apartment housing remodeling business fund support company loan product subscription application information.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the financial account information in the ledger D / B 3800 in association with the financial system. It is desirable to produce.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 3800 on the financial system to create a predetermined ledger including the financial account information.

Thereafter, the server is a multi-family housing remodeling business capital support company including at least one or more of the customer (SPC) information, loan approval amount information, construction sales receivables information included in the loan application subscription information information Loan product subscription information is generated and stored in a predetermined storage medium (3805) (4175c).

According to an exemplary embodiment of the present invention, when the storage medium 3805 is provided in the server or on a network connected with the server, the server requests to subscribe to the received multi-family remodeling business fund support company loan product. It is preferable that the storage medium (3805) store the information related to the apartment remodeling business fund support company loan product including at least one of the customer (SPC) information, loan approval amount information, and construction sales receivable information included in the information. .

According to another exemplary embodiment of the present invention, when the storage medium 3805 is provided in a DBMS provided on a financial system, the server includes the received apartment housing remodeling business fund support company loan product subscription application information. Apartment housing remodeling business fund support including at least one or more customer (SPC) information, loan approval amount information, construction sales receivables information Business loan product subscription information provided to the information system through the external system on the financial system provided on the financial system It is preferable to store in the DBMS.

Subsequently, the server may provide a predetermined financial account opening history information (for example, the history of the remodeling business fund support company loan product account opening, and / or the apartment remodeling business money support company loan product subscription to the electronic document repository. A document storing the document, and / or a record of storing the apartment house remodeling business fund support company loan product subscription information in the storage medium 3805) is generated (or extracted) and transmitted to the terminal (4180c).

According to an exemplary embodiment of the present invention, the storage medium 3805 is provided on the system for remodeling business loan support company loan product account opening system (or linked with the system for refinancing business loan support company loan remodeling business money accounting system). The storage medium 3805 is a ledger D / B 3800 provided in the DBMS on the financial system, and / or the ledger D / B 3800. It may be any database associated with the present invention, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 3805 may be provided on (or linked to) an internet banking system, and / or a telebanking system provided on the system for opening an apartment remodeling business fund support company loan product. And / or a DBMS on at least one of the wireless banking system, and / or the TV banking system. The present invention is not limited thereto.

42 is a diagram illustrating a non-face-to-face information providing system for supporting a multi-family house remodeling business fund according to another exemplary embodiment of the present invention.

More specifically, Figure 42 shows a contractor (or operator) for the contractor (or operator) when connecting a predetermined contractor (or operator) client terminal 4260 requesting remodeling project funds support according to the method of the present invention. Information and basic information (eg, apartment name, address, equilibrium before remodeling, number of households, etc.) for a multi-family housing for the predetermined remodeling business fund for the reconstruction project by the contractor (or business operator); Remodeling-related information (e.g., total remodeling period, current exclusive area, extension area, equilibrium information after remodeling, etc.) regarding a plan to be remodeled to the apartment to be remodeled, and a predetermined financial institution for the apartment to be remodeled. For financial condition information (e.g., loan interest rate condition information, etc.) for receiving a loan, and for the remodeled apartment house For example, a predetermined input screen for inputting remodeling business fund support request information including at least one or more basic financial information for calculating loans required (for example, the amount of support for migration costs, the amount of existing loans, and the estimated amount of general union costs). Output window), input information for the remodeling business fund support request on the output screen (or input window), and transmit the predetermined information providing server 4200 connected to the client terminal 4260. Using the received remodeling business fund support request information, calculates remodeling business fund support detailed information (eg, expected loan support limit information, etc.) corresponding to the remodeling business fund support request, and calculates the calculated remodeling business fund support. Joint to provide the detailed information to the construction (or operators) client terminal 4260 through the output screen As an information providing system for supporting a remodeling business fund, and having a general technical knowledge in the technical field to which the present invention belongs, an information providing system for supporting a multi-family remodeling business fund by referring to and modifying this drawing 42 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary technical knowledge in the technical field to which the present invention belongs may configure the information providing server 4200 provided in the information providing system for supporting the apartment remodeling business fund with at least one or more servers. The present invention is not limited thereby.

Referring to FIG. 42 in accordance with an embodiment of the present invention, an information providing system for funding for remodeling a multi-family house according to the present invention includes a client including at least one wired terminal or a wireless terminal used by a contractor (or operator). And a terminal 4260. The client terminal 4260 is connected to an information providing server 4200 provided on the information providing system through a predetermined network means.

According to one embodiment of the present invention, the contractor (or operator) is the information providing server 4200 through at least one client terminal 4260 of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network. ) And remodeling business fund for apartment housing remodeling business fund support according to the present invention through at least one user interface (eg, remodeling business fund support request information input interface, etc.) provided by the information providing server 4200. When the support request information is input (or selected), the client terminal 4260 preferably transmits the information to the information providing server 4200 provided on the information providing system through a predetermined network means.

Alternatively, the contractor (or operator) accesses the information providing server 4200 through at least one client terminal 4260 of a wired terminal connected to the wired network or a wireless terminal connected to a predetermined wireless communication network, and provides the information. Through a predetermined network means in the information providing server 4200 provided on the information providing system through at least one user interface provided by the server 4200 (eg, the remodeling business fund support detail information output interface, etc.). It is preferable to transmit to the client terminal 4260.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer or a notebook computer connected to the TCP / IP based communication network. Notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network. desirable.

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It is preferable to include at least one or more data communication terminals.

The information providing server 4200 connected to the client terminal 4260 may be any one of an internet banking server, a wireless banking server, a tele banking server, or a TV banking server according to the characteristics of the client terminal 4260 and a network means. Or, it is preferable to include a separate web server for the information registration.

The network means for connecting the client terminal 4260 and the information providing server 4200 may be a CDMA-based mobile communication network or a IEEE 802.16x-based mobile Internet, depending on the type of wireless network to which the client terminal 4260 is connected. It is preferable that any one of DataTAC / Mobitex-based wireless data communication networks is included, or includes all types of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal 4260 outputs at least one user interface (eg, remodeling business fund support request information input interface, etc.) provided by the information providing server 4200, and at least one or more information through the user interface. A function configuration (for example, a communication function with a browser program or a predetermined communication program and communication function communicating with the information providing server 4200) for inputting (or selecting) and transmitting the same to the information providing server 4200. It is preferable that it is provided.

Alternatively, the client terminal 4260 may output at least one user interface provided by the information providing server 4200 (eg, a remodeling business fund detail information output interface, etc.) to be output through the user interface. A functional configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the information providing server 4200, etc.) is provided to receive detailed remodeling business fund information from the information providing server 4200. It is preferable that it is done.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 4260 corresponding to at least one or more wired (or wireless) terminals. Omit.

In the above information providing system, the client terminal 4260 including at least one wired terminal or a wireless terminal used by the contractor (or operator), the client terminal 4260 and the information providing server 4200 The at least one wired (or wireless) network to connect performs a function of an information registration interface for the contractor (or operator) to register the remodeling business fund support request information for the support of the apartment remodeling business fund according to the present invention.

Alternatively, the client terminal 4260 including at least one wired terminal or a wireless terminal used by the contractor (or operator), and at least one wired wire connecting the client terminal 4260 and the information providing server 4200 ( Or wireless) network of the information output interface for the contractor (or operator) to output the detailed information of the remodeling business fund corresponding to the registered remodeling business fund support request information for the support of the apartment remodeling business fund according to the present invention; Perform the function.

According to another exemplary embodiment of the present invention, the client terminal 4260 may include an automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), in addition to the client terminal 4260 described above. It may further comprise a financial automatic device (not shown) including a cash dispenser (CD), or a fixed line such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises a predetermined call terminal (not shown) connected to the telephone network, or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or the financial institution At least one terminal (or server) (not shown) provided in at least one or more institutions affiliated with, may further include at least one, whereby the present invention is not limited do.

In the information providing system as described above, when the client terminal 4260 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information providing server ( The financial network connecting 4200 performs a function of an information registration interface for the contractor (or business operator) to register remodeling business fund support request information for supporting the apartment remodeling business fund according to the present invention, or the client terminal. When 4260 is the call terminal (not shown), the wired telephone network or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information providing server 4200 may be configured by the contractor (or Information) for registering the remodeling business fund support request information for the apartment housing remodeling business fund support according to the present invention) The terminal (or server) (not shown) and the terminal (or server) (not shown) that perform a function of an interface or are provided in an institution affiliated with the financial institution that is the client terminal 4260. The network connecting the terminal (or server) (not shown) and the information providing server 4200 registers the remodeling business fund support request information for the contractor (or business operator) to support the apartment remodeling business fund according to the present invention. Performs the function of the information registration interface.

Alternatively, in the above information providing system, when the client terminal 4260 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the information are provided. The financial network connecting the server 4200 performs a function of an information output interface for the contractor (or business operator) to output the remodeling business fund support detailed information for supporting the apartment remodeling business fund according to the present invention, or When the client terminal 4260 is the call terminal (not shown), the wired telephone network or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information providing server 4200 is the construction work. Information for outputting the remodeling business fund support detailed information (or the business operator) for supporting the apartment remodeling business fund according to the present invention. The terminal (or server) (not shown) and the client terminal 4260 when the client terminal 4260 is a terminal (or server) (not shown) provided in an institution affiliated with the financial institution. The network connecting the terminal (or server) (not shown) and the information providing server 4200 outputs the remodeling business fund support detailed information for the contractor (or the operator) to support the apartment remodeling business fund according to the present invention. Functions as an information output interface.

The storage medium 4245 provided on the information providing system according to the present invention includes the construction (business) information included in the remodeling business fund support request information provided from the client terminal 4260, basic information of apartments, and remodeling. Relevant information, financial condition information, basic financial information is stored in a predetermined storage medium 4245, characterized in that the construction (business) information stored in the storage medium (4245), basic information of apartments, remodeling The remodeling business fund support request information including at least one of related information, financial condition information, and basic financial information is used for calculating the detailed information of the apartment house remodeling business fund support according to the present invention.

In addition, the storage medium 4245 includes the multi-family remodeling business fund support detailed information calculated in response to the remodeling business fund support request information provided from the client terminal 4260 included in the multi-family remodeling business fund support request information. And storing in the storage medium 4245 in connection with construction (or business) information. The remodeling business fund support detailed information is transmitted to the client terminal 4260 through the remodeling business fund support detailed information output interface. Is provided.

The contractor (or business) information includes predetermined company information (eg, contractor name, business registration number, corporation number, address, telephone number, e-mail address, etc.) for the multi-family house, and members of the contractor. It is preferable to include at least one or more information (for example, member ID information corresponding to the contractor (or business operator) by the contractor is a member of the information providing server 4200), and the intention of the skilled person It may be changed depending on the purpose.

The basic information of the multi-family house preferably includes at least one or more of the multi-family name, address, equilibrium before remodeling, number of households, etc. of the multi-unit house to be remodeled by the contractor (or business), and is intended and intended by those skilled in the art. It may be changed according to.

Preferably, the remodeling-related information includes at least one or more total remodeling time required for the business plan, current dedicated area, extension area, and equilibrium information after remodeling in order for the contractor (or operator) to promote the remodeling business. It may be changed according to the intention and purpose of those skilled in the art.

The financial condition information, when a predetermined loan to support the apartment housing remodeling business funds for the contractor (or business), preferably comprises at least one or more loan interest rate information for the loan, and those skilled in the art It may be changed depending on the intention and purpose of the.

The basic financial information is to allow the tenant (or owner) who is living (or owns) to live in a multi-family house to move to the completion of the remodeling project when the contractor (or entrepreneur) implements the remodeling project. The amount of allowable relocation fee to support the relocation fee, the amount of the existing loan that the residing person (or holding) already borrowed for the apartment, and the residing (or holding) person for the remodeling business. It is preferable to make a predetermined combination and include at least one or more general combination ratio estimated amount information for operating the combination, and may be changed according to the intention and purpose of those skilled in the art.

According to one embodiment of the invention, the storage medium 4245 is preferably provided in a DBMS on a financial system provided on the information providing system (or associated with the information providing system), wherein the storage medium 4245 may be a ledger D / B provided in a DBMS on the financial system, a predetermined database linked to the ledger D / B, or the ledger D / B and a database, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the storage medium 4245 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information providing system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The predetermined interface D / B 4255 provided on the information providing system according to the present invention is a connection interface for providing to the client terminal 4260 from the information providing server 4200 provided on the information providing system, and new. And a user interface including at least one of a registration interface, a remodeling business fund support request information input interface, a remodeling business fund support detailed information output interface, an information interface, a proposal interface, and the like. The user interface included in 4255 is used to provide a predetermined input interface or output interface from the information providing server 4200 to the client terminal 4260.

The predetermined subscriber D / B 4250 provided on the information providing system according to the present invention is newly included in the interface D / B 4255 for the contractor (or business operator) to receive the fund for the apartment remodeling business. Providing predetermined subscription information through a registration interface, and stores the result of the subscription processing for the information provided through the interface in the subscriber D / B (4250), and then the contractor (or operator) It is used to verify the validity of a contractor (or a business operator) in order to receive a service for financial support for apartment remodeling.

The information providing server 4200 provided on the information providing system according to the present invention is a generic term for the information providing system side component connected to the client terminal 4260 through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the client terminal 4260 is a client terminal 4260 including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information providing server 4200. Is a predetermined Internet banking server provided on the Internet banking system, a program provided in the Internet banking server, or a predetermined server (or device) accessible to the external system of the financial system through the Internet banking system. Or a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the Internet banking server (or the server (or device)), or It may be a program provided in the external world on the financial system, whereby the present invention is not limited Should you.

According to another exemplary embodiment of the present invention, when the client terminal 4260 is a client terminal 4260 including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information providing server 4200 may be configured as described above. A predetermined wireless banking server provided on the wireless banking system, a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system; A program included in the server (or device), or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or the financial system. It may be a program provided in the external system of the image, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the client terminal 4260 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information providing server 4200 may be configured as the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, a program provided in the telebanking server, or a predetermined external access to the external system of the financial system through the telebanking system. A server (or device) of a server, a program included in the server (or device), or a server (or an external device on the financial system accessible through the telebanking server (or the server (or device)). Device) or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the client terminal 4260 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the information providing server 4200 is the TV. A predetermined TV banking server provided on a banking system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system; A program provided in a server (or device), or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or on the financial system. It may be a program provided in the external system, whereby the present invention is not limited.

According to an embodiment of the present invention, the information providing server 4200 includes an interface unit 4205 (or interface means) for connecting and managing a predetermined communication channel with the client terminal 4260 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the client terminal 4260 is a client terminal 4260 including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 4205 is connected to the wired terminal. At least one or more information using a communication protocol defined in a communication program included in the client terminal 4260 and connecting a predetermined communication channel with the client terminal 4260 based on a protocol stack defined in a network or a wireless network. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the client terminal 4260 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 4205 may be connected to the client terminal 4260 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal 4260 is provided with a communication program (eg, an internet banking program) provided by the information providing server 4200, the interface unit 4205 may be configured to execute the client based on the TCP / IP protocol. It connects a communication channel with the terminal 4260 and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the client terminal 4260 is a financial automation device connected to a predetermined financial network, the interface unit 4205 may perform the financial automation based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the client terminal 4260 is a client terminal 4260 including a wireless terminal connected to a predetermined wireless network, the interface unit 4205 is defined in the wireless network. Connect a predetermined communication channel with the client terminal 4260 based on a protocol stack, and transmit and receive at least one or more information (or data) using a communication protocol defined in a communication program included in the client terminal 4260. It is desirable to provide a communication interface.

For example, when the client terminal 4260 is provided with a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol, the interface unit 4205 is based on the CDMA protocol. ) And a communication interface for transmitting and receiving a web page (for example, a WML (Wireless Markup Language) compatible web page or an HTML compatible web page) or information using a WAP / ME protocol defined in the browser program. To provide.

Alternatively, when the client terminal 4260 is provided with a communication program (eg, an IC chip-based banking program) provided by the information providing server 4200, the interface unit 4205 may be configured based on the CDMA protocol. It connects a communication channel with a client terminal 4260 and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the client terminal 4260 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 4205 is defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 4205 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the client terminal 4260 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 4205 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 42, the information providing server 4200 connects a communication channel with the information providing server 4200 through a predetermined client terminal 4260 through the interface unit 4205, and then the interface unit 4205. ) To provide a user interface for receiving a predetermined user interface for the remodeling business fund provided by the information providing server 4200 in the client terminal 4260 or the information for the remodeling business support. In order to receive the service provided by the server 4200, a subscription application is provided through the new registration interface provided by the server, or various information for supporting the remodeling business fund (for example, real estate law, tax information, and the remodeling business fund support). Service contact information, etc.) to create (or extract) a user interface An interface providing unit 4210 (or an interface providing unit) for providing the user interface in association with the interface unit 4205 and the user interface provided from the interface providing unit 4210 to the client terminal 4260. In connection with predetermined member information (for example, member information including a member ID, password, etc. registered through the subscription interface) and contractor (or operator) information about the contractor (or operator). It is preferable to include a client authentication processing unit 4235 (or client authentication means) for authenticating the validity of the construction.

The interface providing unit 4210 connects the communication channel with the information providing server 4200 through a predetermined client terminal 4260 through the interface unit 4205, and then works in conjunction with the interface unit 4205. The terminal 4260 provides a connection interface for receiving a predetermined user interface for supporting the remodeling business fund provided by the information providing server 4200, or provides the information providing server 4200 for the remodeling business support. Apply for a subscription through the new registration interface provided by the server in order to receive the service, or various information (eg, real estate law, tax information, information on the remodeling business fund support service, etc.) for the remodeling business fund support Provide (or extract) a predetermined user interface and provide said interface In conjunction with the 4205 it is characterized in that for providing the user interface.

According to the exemplary embodiment of the present invention, the interface providing unit 4210 has a predetermined client terminal 4260 connecting the communication channel with the information providing server 4200 through the interface unit 4205, and then the interface unit. In connection with the 4205, the client terminal 4260 provides a connection interface to receive a predetermined user interface for the remodeling business fund provided by the information providing server 4200, or the remodeling business support. In order to receive the service provided by the information providing server 4200, a subscription application is provided through the new registration interface provided by the server, or various information for supporting the remodeling business fund (for example, real estate law, tax information, and the remodeling business). Provide a financing service contact information, etc.) Extract) and is preferably in connection with the interface unit 4205 provides the user interface.

The client authentication unit includes predetermined member information (for example, a member ID, a password, etc. subscribed through the subscription interface) among the user interfaces provided by the interface provider 4210 to the client terminal 4260. Member information comprising a, characterized in that for validating the validity of the construction in connection with the construction (or business) information for the construction (or business).

According to an exemplary embodiment of the present invention, the client authentication unit may provide predetermined member information (eg, the subscription interface) input through a connection interface among the user interfaces provided by the interface provider 4210 to the client terminal 4260. It is preferable to authenticate the validity of the contractor in connection with the member information, including the member ID, password, etc. subscribed through, the contractor (or operator) information for the contractor (or contractor).

In addition, the client authentication unit may further include a predetermined OTP generating device, an official certificate, the biometric information of the person in charge of the contractor (or operator), in addition to the member ID, password, contractor (or operator) information provided from the terminal. .

Referring to FIG. 42, the information providing server 4200 connects a communication channel with the information providing server 4200 through a predetermined client terminal 4260 through the interface unit 4205, and then the interface unit 4205. Generate (or extract) a predetermined user interface (e.g., remodeling business fund support request information input interface) for the client terminal 4260 to input (or select) predetermined remodeling business fund support request information from the client terminal 4260. An input interface operating unit 4215 (or an input interface operating unit) provided to the client terminal 4260 and the interface unit 4205 through the user interface at the client terminal 4260. Or an information receiving unit 4225 (or information receiving means) for receiving predetermined remodeling business fund support request information to be transmitted). Information stored in a predetermined storage medium 4245 by linking and processing the contractor (business) information, apartment house basic information, remodeling related information, financial condition information, and basic financial information included in the received remodeling business fund support request information. It is characterized by comprising a storage unit 4240 (or information storage means).

The input interface operation unit 4215 has a function provided in the client terminal 4260 after a predetermined client terminal 4260 connects a communication channel with the information providing server 4200 through the interface unit 4205. In response to the configuration, a predetermined user interface capable of inputting (or selecting) the remodeling business fund support request information and transmitting the information to the information providing server 4200 through the network means, or a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 4205 to the client terminal 4260 through the network means.

Subsequently, the client terminal 4260 remodeling business fund support request information including at least one of the contractor (business) information, apartment house basic information, remodeling related information, financial condition information, and basic financial information based on the user interface. And input (or select) and transmit the input (or select) the remodeling business fund support request information to the information providing server 4200 through the financial network.

According to an embodiment of the present invention, when the client terminal 4260 is a client terminal 4260 including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the input interface operation unit 4215 is Generate (or extract) a predetermined user interface that can be provided to a browser program or a communication program included in the client terminal 4260, and generate the generated (or extracted) user interface through the interface unit 4205 to the client. It is preferable to provide to the terminal 4260.

According to another exemplary embodiment of the present invention, when the client terminal 4260 is a financial automation device connected to a predetermined financial network, the input interface operation unit 4215 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 4205.

According to another exemplary embodiment of the present invention, when the client terminal 4260 is a client terminal 4260 including a wireless terminal connected to a predetermined wireless network, the input interface operation unit 4215 may be configured as the client terminal ( Generate (or extract) a predetermined user interface that can be provided to the browser program or the communication program included in the 4260, and the generated (or extracted) user interface through the interface unit 4205 to the client terminal 4260. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the client terminal 4260 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the input interface operation unit 4215 may call the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided to the call, and convert the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 4205. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the client terminal 4260 is a wired terminal (or two-way digital TV) connected to a TV banking system, the input interface operation unit 4215 is configured to connect the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 4205. .

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the remodeling business funds support request information to the client terminal 4260 and transmitting the information to the information providing server 4200 through the network means is provided. When the predetermined information registration program is provided, the input interface operation unit 4215 for providing the user interface to the client terminal 4260 may be omitted, and the present invention is not limited thereto.

The information receiving unit 4225 is a remodeling business fund including at least one or more construction (business) information, apartment house basic information, remodeling related information, financial condition information, financial basic information at the client terminal 4260 through the user interface When the support request information is input (or selected) and transmitted through the network means, the remodeling business fund support request information is received in cooperation with the interface unit 4205.

The information storage unit 4240 connects and processes the construction (business) information, apartment house basic information, remodeling related information, financial condition information, and basic financial information included in the remodeling business fund support request information. And the storage medium 4245 is provided in the information providing server 4200 or on the network associated with the information providing server 4200. It is desirable to store and store in the storage medium 4245 by integrating the construction (business) information, apartment house basic information, remodeling related information, financial condition information, financial basic information included in the received remodeling business fund support request information. And, if the storage medium 4245 is provided in the DBMS provided on the financial system, the information storage unit 4240 is included in the received remodeling business fund support request information. It is desirable to provide the contractor (business) information, basic housing information, remodeling-related information, financial condition information, financial basic information included in the information system through the external system on the financial system to store in the DBMS provided on the financial system.

Referring to FIG. 42, the information providing server 4200 connects the communication terminal with the information providing server 4200 through the interface unit 4205 and then the interface unit 4205. And generating (or extracting) a predetermined user interface (eg, remodeling business fund support request information input interface) which allows the client terminal 4260 to input (or select) predetermined remodeling business fund support request information from the client terminal 4260. To provide the client terminal 4260 and receive predetermined remodeling business fund support request information transmitted from the client terminal 4260 through the user interface in connection with the interface unit 4205. Information, for calculating remodeling business fund support detailed information on the remodeling business fund support request information. Output interface operation unit for providing the project 4230 (or information calculation means) and the remodeling business fund support detailed information calculated by the information calculation unit 4230 to the contractor (or business operator) through the client terminal 4260 4220 (or output interface operation means) and detailed information on the remodeling business fund calculated by the information calculating unit 4230, the contractor (business) information and apartment house basic information included in the remodeling business fund support request information. And an information storage unit 4240 for storing in the storage medium 4245 in association with the remodeling related information, the financial condition information, and the financial basic information.

The information calculating unit 4230 connects a communication channel with the information providing server 4200 through the interface unit 4205, and then interworks with the interface unit 4205 to connect the client terminal. The client terminal 4260 generates (or extracts) a predetermined user interface (eg, remodeling business fund support request information input interface) for inputting (or selecting) and transmitting predetermined remodeling business fund support request information at 4260. And a predetermined remodeling business fund support request information transmitted from the client terminal 4260 through the user interface in response to the interface unit 4205 and transmitted through the user interface. Remodeling business fund support for the support request information, characterized in that for calculating the detailed information.

According to the exemplary embodiment of the present invention, the information calculating unit 4230 may connect the communication terminal with the information providing server 4200 through the interface unit 4205 and then the interface unit ( In connection with 4205, the client terminal 4260 generates (or selects) a predetermined user interface (eg, remodeling business fund support request information input interface) for inputting (or selecting) predetermined remodeling business fund support request information. Predetermined remodeling business fund support request information transmitted to the client terminal 4260 and input (or selected) from the client terminal 4260 through the user interface in association with the interface unit 4205. When receiving the, to calculate the remodeling business fund support detailed information for the remodeling business fund support request information It is preferred.

Here, the remodeling business fund support detailed information calculation for the remodeling business fund support request information is preferably made, including the personal loan calculation process and the company loan calculation process for the remodeling business fund support.

In addition, the personal loan calculation process included in the remodeling business fund support request information, before the start of remodeling for the person who lives (or holds) in the remodeled apartment house (hereinafter referred to as the loan applicant) before the loan applicant the apartment house Checking the amount of loans secured as collateral, if the sum of the previous loan amount and the estimated sum of the migration and combination costs is the Loan to Value Ratio (LTV) (a standard set by the state (e.g. 40 If the loan amount is less than or equal to the loan applicant, the loan amount for the loan applicant may be all the loan amount, the migration cost, and the expected combination cost, and if the sum of the loan amount and the migration cost is less than the mortgage loan ratio, The loan amount can be applied to the loan amount excluding the union fee, and to the loan for the migration expenses, and if the loan amount is less than the mortgage ratio. The loanable amount for the loan applicant is preferably loanable only for the loan amount excluding the union fee and the migration fee, and if the person has ordinary technical knowledge in the technical field to which the present invention belongs, the technical characteristics of the personal loan calculation process will be described. As it will be understood, detailed description is omitted for convenience.

In addition, the corporate loan calculation process included in the remodeling business fund support request information, when the construction cost is greater than the mortgage ratio, calculates the mortgage ratio as the construction cost, the sum of the construction cost and the combination cost is greater than the mortgage loan ratio In this case, it is preferable to calculate the total construction cost, part of the union cost (the amount of the mortgage loan minus the expected construction cost), and when the sum of the construction cost and the union cost is less than the mortgage loan ratio, it is desirable to calculate the total construction cost and the union cost. Those skilled in the art to which the invention belongs, will be familiar with the technical features of the enterprise loan calculation process, detailed description thereof will be omitted for convenience.

The output interface operation unit 4220 may provide the remodeling business fund support detailed information calculated by the information calculation unit 4230 to a contractor (or a business operator) through the client terminal 4260.

In addition, the output interface operation unit 4220 may be the basic information (eg, apartment name, address, equilibrium before remodeling, household number information, etc.) included in the remodeling business fund support request information of the remodeling business fund support detailed information. According to the characterized in that the output.

The output interface operation unit 4220 may further include remodeling related information (eg, total remodeling time required, current dedicated area, extension area, and equilibrium after remodeling the remodeling business fund support detailed information in the remodeling business fund support request information). Information and the like).

According to the present invention, the output interface operation unit 4220 extracts a user interface for outputting the remodeling business fund support detailed information from the interface D / B 4255 connected to the information providing server 4200, and extracts the extracted user interface. It is preferable to provide the client terminal 4260 with a user interface including detailed remodeling business fund support detailed information calculated by the information calculator 4230.

43 is a diagram illustrating a process of calculating remodeling business fund support detailed information by providing remodeling business fund support request information for apartment house remodeling business fund support according to one embodiment of the present invention.

More specifically, Figure 43 shows a contractor (or operator) for the contractor (or operator) when a predetermined contractor (or operator) client terminal 4260 is connected to request for remodeling project fund support according to the method of the present invention. Information and basic information (eg, apartment name, address, equilibrium before remodeling, number of households, etc.) for a multi-family housing for the predetermined remodeling business fund for the reconstruction project by the contractor (or business operator); Remodeling-related information (e.g., total remodeling period, current exclusive area, extension area, equilibrium information after remodeling, etc.) regarding a plan to be remodeled to the apartment to be remodeled, and a predetermined financial institution for the apartment to be remodeled. Financial condition information (e.g., loan interest rate condition information) for receiving a loan and the remodeled apartment house For example, a predetermined input screen for inputting remodeling business fund support request information including at least one or more basic financial information for calculating loans required (for example, the amount of support for migration costs, the amount of existing loans, and the estimated amount of general union costs). Output window), input information for the remodeling business fund support request on the output screen (or input window), and transmit the predetermined information providing server 4200 connected to the client terminal 4260. Using the received remodeling business fund support request information, calculates remodeling business fund support detailed information (eg, expected loan support limit information, etc.) corresponding to the remodeling business fund support request, and calculates the calculated remodeling business fund support. Detailed information is provided for construction through the output screen to the construction (or operators) client terminal (4260) The process of calculating the remodeling business fund support detailed information by providing the remodeling business fund support request information for the housing remodeling business fund support, and if the person having ordinary technical knowledge in the technical field to which the present invention belongs, this figure 43 By referring to and transforming to provide the remodeling business fund support request information for the support of the apartment remodeling business funds will be able to infer various implementation methods of calculating the remodeling business fund support details, but the present invention is all inferred It includes an implementation method and is not limited to the implementation method shown in FIG.

In FIG. 43, the client terminal 4260 shown in FIG. 42 is referred to as a "terminal" for convenience, and the information providing server 4200 shown in FIG. 42 is referred to as a "server" for convenience, and the client terminal ( The contractor (business) information, apartment house basic information, remodeling related information, financial condition information, financial basic information transmitted from the 4260 to the information providing server 4200 is referred to as "remodeling business fund support request information" for convenience. The business fund support request information input interface is called "input interface" for convenience, and the remodeling business fund support detailed information output interface is called "output interface" for convenience.

Referring to FIG. 43, when the client terminal 4260 shown in FIG. 42 is a predetermined network means (e.g., the client terminal 4260 is a wired terminal, a TCP / IP based wired communication network, the client terminal 4260). If the wireless terminal is connected to the server through a CDMA based mobile communication network or an IEEE 802.16x based portable Internet, etc., connect a predetermined communication channel for registering the remodeling business fund request information, and remodel the apartment. When requesting a connection interface for business fund support (4300), the server generates (or extracts) a web page corresponding to the predetermined access interface for the remodeling business fund support (4305), and through the communication channel The generated (or extracted) web page is transmitted to the terminal and output (4310).

According to an embodiment of the present invention, the connection interface preferably comprises a user interface for inputting (or selecting) the authentication information in the terminal.

In addition, the web page transmission or output process may be performed at least once according to the authentication information input (or selection) procedure, thereby not limited to the present invention.

Subsequently, the terminal receives or inputs authentication information (eg, the contractor (or operator) about the at least one contractor (or operator) through the connection interface in subscribing to the service for supporting the apartment remodeling business fund). A member ID, password, business registration number (or corporation number), etc. are input (selected) (4315).

If the authentication information is input (or selected) through the access interface (4320), the terminal transmits the input (or selected) authentication information to the server through the communication channel (4325).

According to the embodiment of the present invention, transmitting the authentication information input (or selected) to the server through the communication channel, the security information provided (or selected) through the input interface provided in the terminal The method may further include transmitting the digital signature or encryption to the server through the module.

Thereafter, the server receives and reads the authentication information through the communication channel to confirm authentication of the contractor (or operator) to receive a service for supporting the remodeling business fund (4330).

According to an embodiment of the present invention, checking the validity of the authentication information may further include decrypting the authentication information when the authentication information is electronically signed or encrypted through a security module provided in the terminal. Can be.

If the validity of the authentication information is not authenticated (4335), the server generates a web page including predetermined authentication error information and transmits the generated web page to the terminal (4340), for supporting the apartment remodeling business funds Do not carry out the remodeling project funding details calculation procedure.

On the other hand, if the validity of the authentication information is authenticated (4335), the server generates (or extracts) a web page corresponding to a predetermined input interface for the remodeling business fund support (4345), and through the communication channel The generated (or extracted) web page is transmitted to the terminal and output (4350).

According to an embodiment of the present invention, the input interface preferably includes a user interface for inputting (or selecting) the remodeling business fund support request information in the terminal.

In addition, the web page transmission or output process may be performed at least once according to the remodeling business fund support request information input (or selection) procedure, thereby not limited to the present invention.

Thereafter, the terminal inputs (or selects) remodeling business fund support request information including at least one or more construction company (business) information, apartment house basic information, remodeling related information, financial condition information, and financial basic information through the input interface. (4355).

The contractor (or business) information includes predetermined company information (eg, contractor name, business registration number, corporation number, address, telephone number, e-mail address, etc.) for the multi-family house, and members of the contractor. It is preferable to include at least one or more information (for example, member ID information corresponding to the contractor (or business operator) by the contractor is a member of the information providing server 4200), and the intention of the skilled person It may be changed depending on the purpose.

The basic information of the multi-family house preferably includes at least one or more of the multi-family name, address, equilibrium before remodeling, number of households, etc. of the multi-unit house to be remodeled by the contractor (or business), and is intended and intended by those skilled in the art. It may be changed according to.

Preferably, the remodeling-related information includes at least one or more total remodeling time required for the business plan, current dedicated area, extension area, and equilibrium information after remodeling in order for the contractor (or operator) to promote the remodeling business. It may be changed according to the intention and purpose of those skilled in the art.

The financial condition information, when a predetermined loan to support the apartment housing remodeling business funds for the contractor (or business), preferably comprises at least one or more loan interest rate information for the loan, and those skilled in the art It may be changed depending on the intention and purpose of the.

The basic financial information is to allow the tenant (or owner) who is living (or owns) to live in a multi-family house to move to the completion of the remodeling project when the contractor (or entrepreneur) implements the remodeling project. The amount of allowable relocation fee to support the relocation fee, the amount of the existing loan that the residing person (or holding) already borrowed for the apartment, and the residing (or holding) person for the remodeling business. It is preferable to make a predetermined combination and include at least one or more general combination ratio estimated amount information for operating the combination, and may be changed according to the intention and purpose of those skilled in the art.

If the remodeling business fund support request information is input (or selected) through the input interface (4360), the terminal receives the remodeling business fund support request information input (or selected) through the communication channel. Send to the server (4365).

According to the exemplary embodiment of the present invention, the remodeling business fund support request information input (or selected) through the communication channel is transmitted to the server, the remodeling business fund support request input (or selected) through the input interface. The method may further include transmitting information to the server by digitally signing or encrypting the information through a security module provided in the terminal.

Thereafter, the server receives the remodeling business fund support request information through the communication channel (4370), and the server calculates the remodeling business fund support detailed information corresponding to the received remodeling business fund support request information (4375). ).

According to the exemplary embodiment of the present invention, the remodeling business fund support detailed information calculation for the remodeling business fund support request information may include a personal loan calculation process and a corporate loan calculation process for the remodeling business fund support.

In addition, the personal loan calculation process included in the remodeling business fund support request information, before the start of remodeling for the person who lives (or holds) in the remodeled apartment house (hereinafter referred to as the loan applicant) before the loan applicant the apartment house Checking the amount of loans secured as collateral, if the sum of the previous loan amount and the estimated sum of the migration and combination costs is the Loan to Value Ratio (LTV) (a standard set by the state (e.g. 40 If the loan amount is less than or equal to the loan applicant, the loan amount for the loan applicant may be all the loan amount, the migration cost, and the expected combination cost, and if the sum of the loan amount and the migration cost is less than the mortgage loan ratio, The loan amount can be applied to the loan amount excluding the union fee, and to the loan for the migration expenses, and if the loan amount is less than the mortgage ratio. The loanable amount for the loan applicant is preferably loanable only for the loan amount excluding the union fee and the migration fee, and if the person has ordinary technical knowledge in the technical field to which the present invention belongs, the technical characteristics of the personal loan calculation process will be described. As it will be understood, detailed description is omitted for convenience.

In addition, the corporate loan calculation process included in the remodeling business fund support request information, when the construction cost is greater than the mortgage ratio, calculates the mortgage ratio as a construction cost, the sum of the construction cost and the combination cost is greater than the mortgage loan ratio In this case, it is preferable to calculate the total construction cost, part of the union cost (the amount of the mortgage loan minus the expected construction cost), and when the sum of the construction cost and the union cost is less than the mortgage loan ratio, it is desirable to calculate the total construction cost and the union cost. Those skilled in the art to which the invention belongs, will be familiar with the technical features of the enterprise loan calculation process, detailed description thereof will be omitted for convenience.

Thereafter, the server generates (or extracts) a web page corresponding to a predetermined output interface for supporting the remodeling business fund (4380), and transmits the generated (or extracted) web page to the terminal through the communication channel. And output (4385).

44 is a diagram illustrating an example screen of a user interface including a connection interface according to an embodiment of the present invention.

In more detail, FIG. 44 illustrates a case in which a predetermined contractor (or business operator) accesses a web server for multi-family remodeling business fund support through a web browser provided in the client terminal 4260 shown in FIG. 42. An example screen of a user interface including a predetermined connection interface provided through an information provision server for supporting a multi-unit house remodeling business fund shown in FIG. 42 is shown, and has a general technical knowledge in the technical field to which the present invention pertains. In this case, various embodiments of the present invention may be inferred by referring to and modifying the drawing 44. However, the present invention includes all the inferred embodiments of the present invention. It is not limited only to the implementation method shown in 44.

Referring to FIG. 44, a user interface including the access interface includes a predetermined menu portion, an authentication information portion for inputting an ID and a password for inputting the login interface, and a user interface including the access interface after inputting the ID and password. Characterized in that comprises a login button for transmitting to the information providing server provided, new registration, selection for ID / PW search.

The menu portion may include a login menu for accessing the information providing server, a proposal menu connected to a user interface (not shown) including a predetermined proposal interface, and an email to a representative (or representative) providing the information providing service. A financial support simulator connected to a user interface including a contact us menu for sending or checking the status of the information providing service representative, a predetermined remodeling business fund support request information input interface to be shown below, and a predetermined information interface It is preferred that the real estate law / tax information is connected to the user interface (not shown).

The authentication information portion is an ID input portion consisting of a combination of at least one alphabetic character, a number, a special character, or the like given (or entered at the time of joining) to a contractor (or operator) who wants to access the information providing server, and the contractor (or It is preferable to have a password input portion composed of a combination of at least one alphabetic character, a number, a special character, or the like assigned to the operator (or entered at the time of subscription).

The login button may be transmitted to an information providing server providing a user interface including the access interface after inputting an ID and a password in the authentication information part.

The selection part includes a new registration menu for the contractor (or a business operator) to newly join the information providing system for supporting the multi-family housing remodeling business fund, and information for the contractor (or business company) supporting the multi-family housing remodeling business fund. It is preferable that the menu is configured to query the ID information or password information subscribed to the provision system.

45 is a diagram illustrating an example screen of a user interface including a new registration interface according to an embodiment of the present invention.

More specifically, FIG. 45 illustrates an example screen of a user interface including a predetermined new registration interface connected to a new registration menu, among the selected portions of FIG. 44, and includes general technical knowledge in the technical field to which the present invention pertains. If the person having the present invention can infer various implementation methods for the example screen of the user interface including the new registration interface, the present invention includes all the implementation methods inferred, only by the method shown in FIG. It is not limited.

In addition, if the person having ordinary technical knowledge in the technical field to which the present invention belongs, in addition to the agreement agreement shown in this drawing 45, when the agreement is completed, enter the construction (or business) information and ID for membership registration, password input There will be a screen for a user interface including another newly registered interface that can be used, but it will be understood as a technical feature of the menu configuration required in a predetermined subscription process, and will be omitted for convenience.

Referring to FIG. 45, a user interface including the connection interface includes a predetermined menu portion,

Characterized in that the agreement with the terms and conditions including the service agreement information for the apartment housing remodeling business fund support.

The menu portion may include a login menu for accessing the information providing server, a proposal menu connected to a user interface (not shown) including a predetermined proposal interface, and an email to a representative (or representative) providing the information providing service. A financial support simulator connected to a user interface including a contact us menu for sending or checking the status of the information providing service representative, a predetermined remodeling business fund support request information input interface to be shown below, and a predetermined information interface It is preferable that the real estate legal / tax information is connected to the user interface.

The agreement agreement selection portion is a service agreement information for supporting the apartment remodeling business funds, agreement / non-selection of the agreement on the service agreement, and confirmation for providing the selection to the information providing server shown in FIG. It is preferable to comprise a button.

46 is a diagram illustrating an example screen of a user interface including a remodeling project fund support request information input interface according to an embodiment of the present invention.

In more detail, FIG. 46 illustrates an example screen of a user interface including a remodeling business fund support request information input interface connected to a financial aid simulator among menu parts illustrated in FIG. 44, and is generally used in the field to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods for the example screen of the user interface including the remodeling business fund support request information input interface, but the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in FIG.

Referring to FIG. 46, an example screen of a user interface including the remodeling business fund support request information input interface includes a first layer including at least one of basic information, basic financial information, financial conditions, and remodeling related matters. It is preferable to make it.

When the first layer is basic information, the second layer preferably includes at least one of apartment name, address, equilibrium before remodeling, number of households, equilibrium quote before remodeling, and the like.

In this case, it is preferable to input only the same name as the address.

In addition, the equilibrium before remodeling, it is preferable to input the price per square with respect to the dedicated area as of the input date.

When the first tier is the basic financial information, the second tier may include at least one or more of an allowable amount for migration costs and an expected amount for general union costs.

Here, it is preferable that the allowable amount of the migration cost is a level determined by the multi-unit housing remodeling business fund support institution corresponding to the same area charter.

In addition, the existing loan amount, it is preferable to mean the average loan amount for each balance.

In addition, it is preferable that the said general combination ratio anticipated amount means the combination ratio except the predetermined | prescribed financial cost.

When the first tier is a financial condition, it is preferable that the second tier includes a loan rate.

When the first layer is related to remodeling, the second layer may include at least one of total remodeling time, dedicated area (current), extension area, common area, estimated construction cost per square, and equilibrium after remodeling. .

The dedicated area (present) is preferably a dedicated area before remodeling.

It is preferable that the said common area consists of at least 1, such as an elevator, a stairs, a parking lot, a management office, a senior citizen's boat.

The equilibrium after the remodeling is preferably calculated as the sum of the dedicated area, the expansion area, and the common area by a predetermined calculation formula.

FIG. 47 is a diagram illustrating an example screen of a user interface including a remodeling fund support detailed information output interface according to an embodiment of the present invention.

More specifically, FIG. 47 is a remodeling business fund calculated in response to the predetermined remodeling business fund support request information shown by the user interface including the remodeling business fund support request information input interface shown in FIG. 46. The present invention relates to an exemplary screen for providing support details through a user interface including a remodeling project fund support detail output interface, and a person having ordinary technical knowledge in the technical field to which the present invention pertains may refer to and modify this drawing 47. Thus, various implementation methods may be inferred for the example screen of the user interface including the remodeling project fund support detailed information output interface, but the present invention includes all the implementation methods inferred above, and is illustrated in FIG. 47. It is not limited to the method alone.

Referring to FIG. 47, an example screen of a user interface including the remodeling business fund support detailed information output interface includes at least one of basic information, a loan support limit per household, a burden cost, an estimated price after remodeling, and a remodeling business effect. It is preferable to comprise a 1st layer.

When the first layer is basic information, the second layer preferably includes at least one apartment name, address, number of households, and equilibrium before remodeling.

When the first tier is a loan support limit per household, the second tier preferably includes at least one of migration costs, expected expenses, union costs, construction costs, loan interest rates, and the like.

Here, in the method of calculating the loan support limit per household, which is the first tier, when the expected cost is more than or equal to the Loan to Value Ratio (LTV), the amount that can be provided to the personal loan requesting customer is: Only the same limit as the mortgage-to-loan ratio is possible, and if the sum of the expected and migrant costs is greater than the mortgage ratio, only a portion of the expected and migrant costs (minus the expected cost by the mortgage ratio) If the sum of the expected expenditure, the migration cost and the combination cost is greater than the mortgage loan rate, only the total amount of the expected expenditure and the migration cost, and only a part of the combination cost (excluding the expected mortgage and the migration cost from the mortgage loan rate), If the sum of the migration and union costs is less than the mortgage loan rate, the expected, migration and union costs are fully possible.

Here, the method for calculating the expected price after the first layer is remodeled may include an estimated future value for the normal price before remodeling included in the remodeling business fund request information, and the remodeling included in the remodeling business fund support request information. It is preferable to calculate the value after multiplying the equilibrium.

When the first layer is a burden cost, it is preferable that the second layer includes at least one or more of an expected required construction cost and a combination cost.

In the case where the first layer is a burden cost, the third layer when the second layer is a combined cost expected amount preferably includes at least one of a general combination cost and a financial cost.

Here, it is preferable that the method for calculating the burden cost as the first tier is calculated by the sum of the estimated required construction cost of the second tier for the first tier and the combined cost estimated amount of the second tier for the first tier. .

In addition, the calculation of the estimated required construction cost of the second tier among the case where the first tier is a burden cost is based on the sum of the dedicated area (current), extension area, and common area included in the remodeling project fund request information. It is desirable to calculate the value multiplied by the estimated cost per pyeong included in the funding request information.

In addition, the calculation of the combined cost expected amount of the second layer among the case where the first layer is the burden cost is the third of the second layer with respect to the case where the second layer among the first layers is the combined cost estimated amount. It is preferable to calculate the sum of general union cost and financial cost of the class.

In addition, in the case where the first layer is a burden cost, the second layer may calculate the general combination cost of the third layer among the combination cost expected amounts, based on the general combination cost expected amount included in the remodeling business fund request information.

In addition, the calculation of the financial cost of the third layer of the combination cost estimated amount of the second layer of the case where the first layer is a burden cost, the sum of the migration costs, expectations, combination costs included in the remodeling business fund request information, It is preferable to calculate the sum of a predetermined portion of the estimated required construction cost of the second tier by multiplying the interest rate included in the remodeling project fund request information and the total remodeling time required.

When the first tier is a remodeling business effect, the second tier preferably includes at least one quote before remodeling and an additional contribution.

Here, the method for calculating the remodeling business effect of the first tier is that the first tier calculates the price before the remodeling of the second tier for the first tier and the amount excluding the additional share of the expected price after remodeling. desirable.

In addition, the calculation method for the pre-remodeling quote as the second tier among the remodeling business effects as the first tier is calculated by multiplying the balance before the remodeling included in the remodeling business fund request information and the current market price.

In addition, the calculation method for the additional contribution which is the second tier among the effects of the remodeling business which is the first tier is the sum of the estimated required construction cost included in the second tier when the first tier is a burden cost and the combined cost estimated amount. It is preferable to calculate.

According to the present invention, a loan that minimizes the influence of the mortgage loan ratio through a predetermined asset securitization company for the business capital support loan for the apartment remodeling is possible.

In addition, it provides a way to expand the remodeling market by subsidizing housing costs, such as loans to people living in the remodeled apartment.

Claims (8)

A loan request receiving means for receiving loan request information for apartment house remodeling business fund; Loan support available amount calculation means for calculating the migration costs for each member and the expected withdrawal, the combination costs and the construction costs for each member using the received apartment housing remodeling business fund assistance loan request information; And Among the calculated loan support available amounts, the migration costs for each member and the expected withdrawal for each member are treated as the personal loan support amount, and the union and construction costs are treated as the company loan support amount, and the total loan amount is supported by the apartment remodeling project. And a loan processing means for supporting the asset securitization company, which has been transferred the construction sales receivable from the contractor, as a borrower. Whether the asset value increase after the remodeling of the apartment to be supported by the remodeling business fund is equal to a predetermined amount per square period, whether the total loan support amount is in accordance with the LTV, and the remodeling business fund Loan examination processing means for determining whether or not to execute the loan by checking at least one of whether the number of the apartments to be supported corresponds to a predetermined number of floors; A means for establishing a mortgage for confirming a mortgage agreement and a debt confirmation letter for each member and setting a base mortgage according to the execution of the loan; Open a joint management account for jointly managing the loan support fund through the loan processing means, support the loan subsidy through the opened joint management account, and loan support through the joint management account after completion of the remodeling business Characterized in that it further comprises a loan account operating means for repayment processing, The loan processing means, The loan support fund corresponding to the construction cost of the loan support amount, after the confirmation of the ready-made apartment housing remodeling business capital support loan product management system, characterized in that the limited support. delete delete delete delete delete delete delete

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