KR101057942B1 - Loan evaluation system and method - Google Patents

Abstract

PURPOSE: A qualified grantee evaluation system and method thereof are provided to simply refer a loanable amount using a user terminal by automatically calculating the loanable amount through an on-line. CONSTITUTION: A database(111) stores one or more predetermined loan qualification conditions. An authentication unit(113) certifies a user based on received personal information. An examination information receiving unit(114) receives one or more predetermined loan qualification information about the user from the user terminal. A loan information receiving unit(117) receives a pre-loan amount information of the user from a credit organization server. A amount calculation unit(115) produces the loanable amount about the user.

Description

Pumping Qualification System and Method {LOAN EVALUATION SYSTEM AND METHOD}

Embodiments of the present invention relate to a pumping qualification screening system and method using online.

Recently, as the online banking service is active, interest in the technology related to the online banking service is increasing.

Technologies related to the online banking service include user authentication technology, real-time interworking technology with a financial institution server, and payment related technology.

Recently, financial institutions have developed various loan-related products and sold them to consumers.

When a financial institution makes a loan to a consumer, a loan review is usually conducted to determine whether the consumer applying for the loan has the ability to repay the loan.

Therefore, in order to apply for a loan to a financial institution, a consumer is usually examined by a loan, such as visiting a financial institution and consulting with a loan product manager.

This loan method may cause inconvenience to consumers to visit financial institutions directly.

Therefore, there is a need for a technology that enables consumers to conduct loan checks automatically without visiting a financial institution by using an online banking service.

Embodiments of the present invention by automatically calculating the loanable amount through the online, so that the user can easily look up the loanable amount by using the user terminal, if the loanable amount is calculated, finance the calculated loanable amount By transmitting to the institution server, it is possible to provide a convenient loan service to the user.

A positive qualification screening system according to an embodiment of the present invention includes a database in which at least one predetermined loan examination condition is stored, a personal information receiving unit receiving personal information of a user from a user terminal, and based on the received personal information. An authentication unit for authenticating the user, an authentication information receiving unit receiving at least one loan examination information for the user from the user terminal when the authentication of the user is completed, the at least one loan examination information received and the at least An amount calculating unit for calculating a loanable amount for the user by comparing one selected loan examination condition and an information transmitting unit for transmitting the information on the calculated loanable amount to a financial institution server.

In addition, the positive qualification screening method according to an embodiment of the present invention comprises the steps of managing a database in which at least one predetermined loan examination condition is stored, receiving a user's personal information from a user terminal, the received individual Authenticating the user based on the information; when the authentication of the user is completed, receiving at least one loan examination information of the user from the user terminal, the received at least one loan examination information and the Comparing the at least one selected loan examination condition to calculate a loanable amount for the user and transmitting information on the calculated loanable amount to a financial institution server.

Embodiments of the present invention by automatically calculating the loanable amount through the online, so that the user can easily look up the loanable amount by using the user terminal, if the loanable amount is calculated, finance the calculated loanable amount By sending to the institution server, it is possible to provide a convenient loan service to the user.

1 is a diagram showing the structure of a positive qualification screening system according to an embodiment of the present invention.
2 is a flowchart illustrating a positive qualification screening method according to an embodiment of the present invention.

As the invention allows for various changes and numerous embodiments, particular embodiments will be illustrated in the drawings and described in detail in the written description. However, this is not intended to limit the present invention to specific embodiments, it should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention. Like reference numerals are used for like elements in describing each drawing.

When a component is said to be "connected" or "connected" to another component, it may be directly connected to or connected to that other component, but it may be understood that another component may exist in between. Should be. On the other hand, when a component is said to be "directly connected" or "directly connected" to another component, it should be understood that there is no other component in between.

The terminology used herein is for the purpose of describing particular example embodiments only and is not intended to be limiting of the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this application, the terms "comprise" or "have" are intended to indicate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, and one or more other features. It is to be understood that the present invention does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, components, or a combination thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art. Terms such as those defined in the commonly used dictionaries should be construed as having meanings consistent with the meanings in the context of the related art and shall not be construed in ideal or excessively formal meanings unless expressly defined in this application. Do not.

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

1 is a diagram showing the structure of a positive qualification screening system according to an embodiment of the present invention.

Referring to FIG. 1, the positive qualification screening system 110 includes a database 111, a personal information receiver 112, an authentication unit 113, an examination information receiver 114, an amount calculator 115, and an information transmitter ( 116).

At least one predetermined loan examination condition is stored in the database 111.

At this time, according to an embodiment of the present invention, the at least one selected loan examination condition is the age, nationality, credit information, number of real estate holdings, loan fund use, Debt To Income (DTI), Loan To of the loan applicant Value).

When the user accesses the positive qualification screening system 110 through the Internet using the user terminal 120, the personal information receiver 112 receives the user's personal information from the user terminal 120.

Here, the user terminal 120 is a concept that collectively refers to a microprocessor-based device such as a personal computer, a notebook computer, a PDA, a smart phone.

The authenticator 113 authenticates the user based on the received personal information.

When the authentication of the user is completed, the examination information receiving unit 114 receives at least one loan examination information of the user from the user terminal 120.

In this case, according to one embodiment of the present invention, the at least one loan examination information may be information matching the at least one loan examination condition stored in the database (111).

The amount calculating unit 115 compares the received at least one loan examination information with the at least one selected loan examination condition to calculate a loanable amount for the user.

In this case, according to an embodiment of the present invention, the database 111 may store at least one selected DTI range and a selected LTV corresponding to each of the at least one selected DTI range.

At this time, the examination information receiving unit 114 may receive the user's loan desired amount, annual income information for the user and real estate information held by the user from the user terminal 120.

In this case, the amount calculating unit 115 calculates a DTI based on the loan desired amount and the annual income information, and corresponds to a DTI range to which the calculated DTI belongs among the at least one selected DTI range from the database 111. LTV may be extracted, and after calculating the amount within the extracted LTV based on the real estate information, the lesser of the calculated amount and the loan desired amount may be calculated as the loanable amount.

The DTI refers to a calculation ratio for setting a loan limit based on financial debt repayment ability. The amount calculating unit 115 is based on the loan desired amount received from the user terminal 120 and the annual income information for the user. Calculate the DTI.

In addition, LTV refers to the ratio of real estate mortgage loan to real estate value, the amount calculator 115 extracts an LTV corresponding to the DTI range to which the calculated DTI belongs among the at least one selected DTI range from the database 111. The amount of money within the extracted LTV may be calculated based on the real estate information held by the user received from the user terminal 120.

Then, the amount calculating unit 115 may calculate the amount of the smaller value of the calculated amount and the loan desired amount as the loanable amount.

For example, when the DTI is less than 44% in the database 111, the LTV is stored as 70%, and when the DTI is more than 44% and within 100%, the LTV is stored as 60%, and the annual income of the user is Suppose that 50 million won, the value of the real estate possessed by the user is 100 million won, and the loan desired amount input by the user is 30 million won.

At this time, the amount calculation unit 115 calculates a DTI based on the principal's repayment amount for the user's annual income 50 million won and the loan desired amount 30 million won, and according to the calculated DTI value, 60% of the real estate value 100 million won LTV can be applied.

At this time, if 60% of LTV is applied to 100 million won, the maximum amount that can be borrowed is 60 million won. Can be calculated.

In this example, since the amount of LTV applied is 60 million won and the loan desired amount is 30 million won, the amount calculating unit 115 may calculate the amount of 30 million won as a loanable amount.

At this time, according to an embodiment of the present invention, the positive qualification screening system 110 may further include a loan information receiver 117.

The loan information receiving unit 117 receives information about the pre-payment amount of the user from the credit institution server 140.

In this case, the amount calculating unit 115 may calculate the amount corresponding to the difference between the calculated amount and the user's existing loan amount, and the smaller amount of the loan desired amount as the loanable amount.

In other words, when the amount calculator 115 calculates a loan amount of 30 million won in consideration of DTI and LTV, if the current loan amount of the user is 20 million won, the amount calculator 115 calculates 2000 to 2000 dollars. After calculating 10 million won minus 10,000 won, a small amount of 10 million won can be calculated as the final loan amount by comparing the 10 million won and the desired amount of loan 30 million won.

In addition, according to an embodiment of the present invention, when the calculated loanable amount exceeds the selected loan limit amount, the amount calculating unit 115 may calculate the selected loan limit amount as the loanable amount. have.

For example, even if the amount calculating unit 115 compares the at least one loan examination information with the at least one selected loan examination condition and calculates a loanable amount as 50 million won, the selected loan limit amount is 30 million won. The amount calculating unit 115 may calculate 30 million won as the final loanable amount.

At this time, according to an embodiment of the present invention, the positive qualification screening system 110 may further include a terminal transmitter 118.

The terminal transmitter 118 transmits the calculated information about the loanable amount to the user terminal 120.

In this case, the user terminal 120 may display the calculated loanable amount.

As a result, the user can easily check the amount of money he can borrow through online.

The information transmitter 116 transmits the calculated loanable amount information to the financial institution server 130.

At this time, the financial institution server 130 may pay the loan to the user's account according to the received loanable amount.

As a result, the positive qualification screening system 110 according to an embodiment of the present invention allows the user to easily look up the loanable amount using the user terminal 120, and the loanable amount is calculated when the loanable amount is calculated. By transmitting the amount to the financial institution server 130, it is possible to provide a convenient loan service to the user.

Table 1 below shows an example of the at least one loan examination condition stored in the database (111).

division Examination contents Debtor requirements age Civil law Adult-~ 70 years old on loan application date Nationality Korean citizens listed on the resident registration card Homeowner The debtor or spouse (including potential marriage) is the owner Credit Information Persons who do not fall under any of the following items in the Credit Union Report of the Bank of Korea:
① Delinquent information, credit payment and land payment information, default information, related information, financial order disturbance information, public record information and special record information in accordance with the "Credit Information Management Protocol" of the National Bank Federation, and the release of such information Information listed
② A person whose credit recovery support has been confirmed in accordance with the Credit Recovery Support Agreement;
(3) If the Corporation examines the eligibility for the transfer in advance when dealing with the mortgage claims (hereinafter referred to as "preliminary screening"), the debtor who has not recovered the right to reclaim the construction; Credit rating 'CICE of NICE or KIS' and 'MSS of Construction' Grades 1 ~ 9 Homeowners Within 1 house of the debtor and spouse (However, loan can be purchased for disposal within 2 years of existing house) Fund use (1) Purchase purpose: In the case of loan application within 3 months from the date of registration of transfer of ownership (or preservation) of the building of the mortgage housing.
② Integrity degree: When applying for loan within 15 years after 3 months from the date of registration of transfer of ownership (or preservation) of the building of the mortgage housing
③ Repayment use: In the case of loan application within the expected balance (the limit loan is the limit loan agreement) to repay the existing mortgage loan for purchase or maintenance DTI Within 44%. However, mortgage bonds below 60% of LTV can be up to 100% of DTI.
Maximum LTV based on DTI: When income deduction is met Within 44% of DTI DTI over 44% to within 100% Max LTV 70% 60% LTV 70% for apartments and 65% for other houses
However, if any one of the following types of housing is limited to 60%
1) Over 40% to 100% of DTI (if income deduction requirement is not met)
2) More than 44% to 100% of DTI (if income deduction requirement is met)
3) CB or MSS Grades 8-9
4) Interest rate design nesting or more than one year Mortgage -Apartments (including multi-family apartments), townhouses, multi-family houses, and single-family homes used for residential purposes
-Less than 900 million won
-No legal proceedings
-Establishment of first priority mortgage Loan Limit 500 million won per mortgage

As a result, the positive qualification screening system 110 according to an embodiment of the present invention stores at least one loan screening condition as shown in Table 1 in the database 111 and then the at least one screening screening from the user terminal 120. After receiving the at least one loan examination information according to the condition, the loan procedure can be simplified by automatically calculating the loanable amount by comparing the at least one loan examination condition with the at least one loan examination information.

Pumping qualification screening system 110 according to an embodiment of the present invention can be utilized in various business models.

For example, a financial institution named A determines whether a customer can borrow through a positive screening system 110, and then notifies the financial institution named B of the determination result, thereby allowing the customer to receive a loan from the financial institution B. Can be used in models.

Hereinafter will be described in more detail with respect to this business model.

When a financial institution introduces a positive qualification screening system 110 to provide an internet banking service to a customer, the customer may access the internet banking site and log in, and then enter a loan examination condition.

In this case, the financial institution A may check the availability of the loan to the customer and calculate the maximum loanable amount for the customer by using the positive qualification screening system 110 and provide the customer with convenience.

Then, when the customer actually consults financial institution A to obtain a loan, financial institution A may conduct a telephone consultation with the client to guide the client to submit documents for the loan examination.

When the client has submitted all the documents for the loan examination, the financial institution A may use the positive eligibility examination system 110 to perform the positive eligibility examination on the customer and notify the financial institution B of the examination result.

Then, the financial institution B may execute a loan to the customer after entering into a loan transaction agreement with the customer based on the result of the positive screening test.

2 is a flowchart illustrating a positive qualification screening method according to an embodiment of the present invention.

In step S210, a database in which at least one selected loan examination condition is stored is managed.

At this time, according to an embodiment of the present invention, the at least one selected loan examination condition may be the age of the loan applicant, nationality, credit information, the number of real estate holdings, loan fund use, DTI, LTV.

In step S220, the user's personal information is received from the user terminal.

In step S230, the user is authenticated based on the received personal information.

In step S240, when the authentication for the user is completed, at least one loan examination information for the user is received from the user terminal.

In this case, according to an embodiment of the present invention, the at least one loan examination information may be information matched with the at least one loan examination condition stored in the database.

In operation S250, the loanable amount for the user is calculated by comparing the received at least one loan examination information with the at least one selected loan examination condition.

At this time, according to an embodiment of the present invention, the database may store at least one selected DTI range and a selected LTV corresponding to each of the at least one selected DTI range.

At this time, according to an embodiment of the present invention, in step S240, the user's loan desired amount, annual income information for the user, and real estate information held by the user may be received from the user terminal.

At this time, in step S250, a DTI is calculated based on the loan desired amount and the annual income information, and an LTV corresponding to the DTI range to which the calculated DTI belongs among the at least one selected DTI range is extracted from the database. After calculating the amount of money within the extracted LTV based on the real estate information, the lesser of the calculated amount and the desired amount of loan can be calculated as the loanable amount.

At this time, according to an embodiment of the present invention, the positive qualification screening method may further comprise the step of receiving information about the user's pre-loan amount from the credit institution server before step (S250).

Then, in step S250, the amount corresponding to the difference between the calculated amount and the user's existing loan amount and the smaller amount of the loan desired amount may be calculated as the loanable amount.

Further, according to an embodiment of the present invention, in the step S250, when the calculated loanable amount exceeds the selected loan limit amount, the selected loan limit amount may be calculated as the loanable amount.

In addition, according to an embodiment of the present invention, the positive qualification screening method may further include transmitting information on the calculated loanable amount to the user terminal after step S250.

In this case, the user terminal may display the calculated loanable amount.

In step S260, information about the calculated loanable amount is transmitted to a financial institution server.

In the above, the pumping qualification screening method according to an embodiment of the present invention was described with reference to FIG. 2. Here, since the positive qualification screening method according to an embodiment of the present invention may correspond to the configuration of the positive qualification screening apparatus 110 described with reference to FIG. 1, a detailed description thereof will be omitted.

The positive qualification screening method according to an embodiment of the present invention may be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

As described above, the present invention has been described by specific embodiments such as specific components and the like. For those skilled in the art to which the present invention pertains, various modifications and variations are possible.

Therefore, the spirit of the present invention should not be limited to the described embodiments, and all of the equivalents or equivalents of the claims as well as the claims to be described later will belong to the scope of the present invention. .

110: Positive Qualification System
111: database 112: personal information receiver
113: certification unit 114: audit information receiving unit
115: amount calculation unit 116: information transmission unit
117: loan information receiving unit 118: terminal transmission unit
120: user terminal
130: financial institution server
140: credit institution server

Claims (11)

A database storing at least one predetermined loan examination condition;
A personal information receiver configured to receive personal information of a user from a user terminal;
An authentication unit for authenticating the user based on the received personal information;
An examination information receiver configured to receive at least one loan examination information of the user from the user terminal when authentication of the user is completed;
A loan information receiver configured to receive information about the user's pre loan amount from a credit institution server;
An amount calculator configured to compare the received at least one loan examination information with the at least one selected loan examination condition to calculate a loanable amount for the user;
An information transmitter for transmitting the calculated loanable amount information to a financial institution server; And
A terminal transmitter for transmitting the calculated information on the loanable amount to the user terminal
Including,
The database has
At least one selected Debt To Income (DTI) range and a predetermined Loan To Value (LTV) corresponding to each of the at least one selected DTI range are stored,
The audit information receiving unit
Receiving the loan desired amount of the user, annual income information for the user, and real estate information held by the user from the user terminal;
The amount calculating unit calculates a DTI based on the loan desired amount and the annual income information, extracts an LTV corresponding to a DTI range to which the calculated DTI belongs, from the at least one selected DTI range, from a database, After calculating the amount within the extracted LTV based on the information, the amount corresponding to the difference between the calculated amount and the user's existing loan amount, and the lesser of the loan desired amount is calculated as the loanable amount. If the calculated loanable amount exceeds the selected loan limit amount, the selected loan limit amount is calculated as the loanable amount,
And the user terminal receives the calculated loanable amount and displays the received loanable amount. delete delete delete delete Managing a database storing at least one predetermined loan review condition;
Receiving personal information of a user from a user terminal;
Authenticating the user based on the received personal information;
Receiving at least one loan examination information for the user from the user terminal when the authentication of the user is completed;
Receiving information about the user's pre loan amount from a credit institution server;
Calculating a loanable amount for the user by comparing the received at least one loan examination information with the at least one selected loan examination condition;
Transmitting information on the calculated loanable amount to a financial institution server; And
Transmitting information on the calculated loanable amount to the user terminal;
Including,
The database has
At least one selected Debt To Income (DTI) range and a predetermined Loan To Value (LTV) corresponding to each of the at least one selected DTI range are stored,
Receiving the at least one loan examination information
Receiving the loan desired amount of the user, annual income information for the user, and real estate information held by the user from the user terminal;
The calculating of the loanable amount includes calculating a DTI based on the loan desired amount and the annual income information, and an LTV corresponding to a DTI range to which the calculated DTI belongs among the at least one selected DTI range from the database. Extracts the amount of money within the extracted LTV based on the real estate information, and then calculates an amount corresponding to a difference between the calculated amount and the user's existing loan amount and the smaller amount of the loan desired amount. Calculating the loanable amount, and when the calculated loanable amount exceeds the selected loan limit amount, the selected loan limit amount is calculated as the loanable amount,
And the user terminal receives the calculated loanable amount and displays the received loanable amount. delete delete delete delete A computer-readable recording medium having recorded thereon a program for performing the method of claim 6.

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