KR101183329B1 - Systems and methods of managing a loan product - Google Patents

Abstract

A method for operating a loan product is provided. According to one aspect of the invention, the method comprises the steps of: updating information about the payment status of the corresponding payment in the first database, detecting information about the applicable application interest rate from the second database, paying the payment of the corresponding payment; Determining the status, adjusting the applicable interest rate based on the determined payment status of the corresponding payment, and setting the applicable interest rate to the subsequent application interest rate.

Description

Operating system and system for loan products {SYSTEMS AND METHODS OF MANAGING A LOAN PRODUCT}

The present invention relates to a method and system for operating a loan product, and more particularly, to a method and system for operating a loan product for calculating loan interest rate using information on a payment status of a payment.

Typically, a loan product seller, such as a financial institution, sells a loan product to a customer, and the subscriber of the loan product pays the loan in installments for a predetermined time. The payment for that round is calculated by applying the interest rate set forth in that round to the balance of the loan, usually a fixed rate over the entire round. In addition, even if a floating rate rather than a fixed rate is applied, the floating rate is generally determined by external factors such as exchange rates.

Accordingly, the record related to the activity of the loan subscribers, in particular, the payment record of the loan subscribers does not affect the calculation of the payment, so that the loan product subscribers do not receive the benefits even when they pay the payments on time. BRIEF DESCRIPTION OF THE DRAWINGS It is a figure which shows the result of the customer satisfaction survey about the details of loan goods which the applicant carried out in 2009 with respect to loan goods subscribers. According to the results of the survey shown in FIG. 1, it can be seen that the lender has the most dissatisfaction with the interest rate of the loan product.

Meanwhile, as the dissatisfaction of the loan product subscribers increases, financial institutions that sell loan products also suffer from problems in that payment of payments is delayed or the number of new loan product subscribers decreases.

An object of the present invention is to provide a method and system for operating a loan product that calculates the loan interest rate using information on the payment status of the payment. By providing the loan product operated in this way, the loan product seller can reduce the delinquency rate of payments and secure new subscribers, and the loan product subscriber can be provided with the loan product under more favorable conditions.

The present invention relates to a method for operating a loan product, in accordance with an aspect of the present invention, updating information regarding a payment status of a corresponding payment in a first database, and relating to a corresponding application interest rate from a second database. Detecting information, determining the payment status of the respective payment, adjusting the applicable interest rate based on the determined payment status of the respective payment, and setting the applicable interest rate to the subsequent application interest rate. Steps.

According to one aspect of the present invention, a method for operating a loan product comprises the steps of: detecting information about a payment status of a previous round payment in a first database and a payment status of the round payment; And detecting information about the applicable interest rate, determining the payment status of the previous payment, and the payment status of the payment, the payment status of the previous payment, and the payment status of the payment, Adjusting the applicable interest rate, and setting the applicable interest rate to a subsequent application interest rate.

According to another aspect of the present invention, a method for operating a loan product includes updating information on whether or not to pay the corresponding payment in the first database, and detecting information on whether or not to pay the previous payment in the first database. Detecting information about the applicable interest rate and the previous application interest rate from the second database, and determining whether all the payments have been paid for the same application interest rate N consecutive times from the predetermined previous application to the corresponding application. When the payment is made in full for the same applied interest rate N consecutive times from the previous previous round to the corresponding round, applying a predetermined fixed discount rate to the applicable round of interest rate, N consecutive times from the predetermined previous round to the round If the payment is not paid in full for the same applicable interest rate Transmitting information about the phase, the applied Recurrence rate to maintain the rate for the stage, and the subsequent application Recurrence rate set to follow Recurrence rate applied to the device.

The present invention relates to a system for operating a loan product, in accordance with an aspect of the present invention, a first database for storing information about the state of payment of the respective payments, and a second for storing information about the applicable interest rate A rate configured to adjust the applicable interest rate and set the applicable interest rate to a subsequent application interest rate based on the database, a controller configured to determine the payment status of the corresponding payment, and the determined payment status of the corresponding payment Include mountain government.

According to one aspect of the present invention, a system for operating a loan product includes a first database for storing information about a payment status of a previous round payment and a payment status of the corresponding round payment, a previous round applying interest rate and a corresponding round applying interest rate. A second database for storing information about the control, the controller configured to determine the payment status of previous payments and the payment status of the respective payments, and the payment status of the previous payments determined and the payment status of the corresponding payments determined Includes interest rate calculations configured to adjust the applied rate and set the applicable rate to the subsequent rate.

According to another aspect of the present invention, a system for operating a loan product includes a first database for storing information about the respective payments and whether the previous payments have been made, information about the corresponding application rates and previous application rates. A second database to store, a control unit configured to determine whether the payment has been made in full for the same applied interest rate N consecutive times from the predetermined previous time to the corresponding time, at the same applied interest rate for the N times consecutively from the predetermined previous time to the corresponding time If the payment is made in full, a fixed discount rate is applied to the applicable interest rate, and if the payment has not been paid in full for the same applied interest rate N consecutive times from the prescribed previous turn to the turn, the applicable interest rate , Then set the applicable rate to the subsequent rate. And a communication unit configured to transmit information about a subsequent round rate applied interest rate to the terminal.

Loan product sellers, such as financial institutions, can attract new subscribers by providing more benefits to subscribers in providing loan products. In addition, by providing a loan product under favorable conditions, the loan product seller can increase the satisfaction period of the existing subscribers to increase the subscription period by reducing the middle repayment rate. If the subscription period of existing subscribers increases, sales of additional loans or refinancing products may also increase, which could lead to an increase in overall sales along with an increase in the total number of subscribers. In addition, by providing a loan product under more favorable conditions, it is possible to reduce the delinquency rate and lower the delinquency recovery cost.

BRIEF DESCRIPTION OF THE DRAWINGS The figure which shows the result of having surveyed the customer satisfaction about the details of the loan product which carried out in 2009 for the loan product subscriber.
2 is a view showing an implementation environment of a loan product operating system including a schematic configuration of a loan product operating system according to an embodiment of the present invention.
FIG. 3 is a logic flow diagram illustrating a process for estimating subsequent application rates using a series of payment information, in accordance with an embodiment of the present invention.
FIG. 4 is a logic flow diagram illustrating a process for estimating subsequent application interest rates using information on the status of payment of a corresponding payment in accordance with another embodiment of the present invention. FIG.
FIG. 5 is a logic flow diagram illustrating a process for calculating a subsequent application rate of interest using information regarding the state of payment of the respective payment in accordance with another embodiment of the present invention. FIG.
FIG. 6 is a logic flow diagram illustrating a process for calculating a subsequent application rate of interest using information regarding the status of payment of the respective payment in accordance with another embodiment of the present invention. FIG.

The present invention provides a method and system for operating a loan product that calculates the loan interest rate using information on the payment status of the payment. Hereinafter, exemplary embodiments suitable for implementing the present invention will be described with reference to the accompanying drawings. However, this is merely an exemplary description and is not intended to limit the invention as shown in the following description.

System composition and implementation environment for loan product operation

2 illustrates an implementation environment of a loan product operating system 10 including a schematic configuration diagram of a loan product operating system 10 according to an embodiment of the present invention. Note that in the illustrated configuration diagrams, well-known components are omitted for convenience in order to avoid unnecessarily obscuring the subject matter of the invention. In addition, it is noted that the components shown in FIG. 2 are exemplary, and each component may be integrated, separated, or omitted according to a design specification, and the connection relationship of each component may also be changed.

As shown in FIG. 2, the loan product operating system 10 according to an exemplary embodiment of the present invention includes a controller 12, an interest rate calculation unit 14, a communication unit 16, and a database 18. The control unit 12, the interest rate calculation unit 14, the communication unit 16, and the database 18 of the loan product operating system 10 may be connected to each other through a bus (not shown). The loan product operating system 10 may be implemented to perform main operations related to loan product operation. In one embodiment, the loan product management system 10 and its components may be implemented as one or more hardware components or software components of a server computer running an operating system, for example WINDOWS SERVER®, UNIX, LINUX ™, or the like. It may be, but is not limited thereto. Loan product management system 10 may be implemented in the form of an accounting system or some component thereof that directly processes financial transactions.

The controller 12 may be configured to control other components of the loan product operating system 10 to calculate the loan interest rate of the loan product. The controller 12 may be implemented as a hardware processor of the loan product management system 10 or software executed by the processor. The control unit 12 may control the communication unit 16 to receive loan related information. For example, the loan-related information includes loan principal (won), loan period (month), total turnover (month), loan interest rate (%), balance (won), payment (won), repayment principal (won), interest (won) ), And may include cumulative interest (KRW), and the like, and may include a record of the above-described information of the present or the past. The loan interest rate may include the interest rate applied to each round during the loan period. In addition, the control unit 12 may control the communication unit 16 to transmit the loan interest rate calculated by the interest rate calculation unit 14.

The controller 12 may store the loan related information received from the communication unit 16 in the database 18. If the loan related information received from the communication unit 16 is more recent than the existing loan related information stored in the database 18, the control unit 12 may update the database 18 with the loan related information received from the communication unit 16. Can be. In addition, the controller 12 may detect loan related information stored in the database 18. The controller 12 may determine a payment state of the corresponding payment based on the loan related information received through the communication unit 16 or detected from the database 18. For example, the controller 12 may determine when all or part of the payment is based on the payment date based on the payment date based on the information on the payment status of the payment.

The controller 12 may transmit the loan related information including the determined payment status of the respective round payment to the interest rate calculation unit 14. The controller 12 may control the interest rate calculation unit 14 to calculate the loan interest rate using the loan related information. The controller 12 may control the calculated loan interest rate to be transmitted through the communication unit 16 or transferred to the database 18 for storage.

The interest rate calculation unit 14 may be configured to calculate the loan interest rate based on the loan related information. The interest rate calculation unit 14 may be implemented as a separate hardware component controlled by the control unit 12, or may be implemented as a software module executed by the control unit 12. Details of the loan rate calculation process by the interest rate calculation unit 14 will be described later.

The communication unit 16 may be configured to receive loan related information and to send loan interest rates. The communication unit 16 may communicate loan related information between the database 18 of the loan product operating system 10 and the database maintenance system 30. The communication unit 16 may also be connected to the network 40 to transmit loan interest rates to the terminals 21 and 22. The communication unit 16 may be implemented as a separate hardware component controlled by the control unit 12 or may be implemented as a software module executed by the control unit 12.

The database 18 may store loan related information. For example, the database 18 may include a database product such as Oracle, MySQL, DB2, etc., but is not limited thereto, and may include any database or other software or hardware module that performs a function of the database. . Database 18 may include one or more databases, each of which may store different kinds of loan related information. For example, database 18 may include two databases (a first database and a second database; not shown), in which case the first database may include information about the payment status of the payment, for example, a corresponding payment of the respective payment. The information regarding the payment status may be stored, and the second database may store information related to the loan interest rate, for example, information about the corresponding application rate. In the following description, the loan management system uses one database, but it should be noted that two or more databases can be used.

The loan product operating system 10 may be connected to the database maintenance system 30 through the communication unit 16. The database maintenance system 30 may receive loan related information by using a cash management service (CMS) or a virtual account service, and transmit the loan related information to the communication unit 16 of the loan product management system 10. The database maintenance system 30 is a system that connects the internal and external networks of each financial institution, and may be an external system that provides financial services such as CD joint network, foreign currency exchange, electronic banking, cyber securities, corporate banking, and credit information. Can be.

The loan product operating system 10 may be connected to the terminals 21 and 22 via the network 40 through the communication unit 16. The network 40 may be implemented by any one of, for example, an internet network, a local area network (LAN) network, a value added network (VAN) network, a mobile communication network, a wireless application protocol (WAP), TCP / IP, It can be configured to use any communication protocol, including CDMA, GSM, and the like. The terminal 21 may be a network device using a wired communication medium at a fixed location such as a personal computer (PC), a workstation, or the like, and the terminal 22 may be a wireless communication medium such as a laptop computer, a PDA, or a smartphone. It may be a mobile network device to use. The terminals 21 and 22 may execute browser applications configured to send and receive markup pages, web-based messages, and the like. The browser application may send and receive messages using any language, including HTML, XML, and wireless markup language (WML), but is not limited to this example.

The illustrated system configuration is exemplary, and one of ordinary skill in the art will be able to design systems of other configurations without departing from the scope of the present invention. For example, the communication unit 16 and the interest rate calculation unit 14 may be implemented as a separate system from the loan product management system 10.

Hereinafter, a method of operating a loan product according to an embodiment of the present invention will be described with reference to FIGS. 3 to 6.

The process of calculating subsequent interest rates based on the payment status of the respective payment

FIG. 3 is a logic flow diagram illustrating a process 300 for estimating subsequent application rates using the information regarding the payment status of the respective payments, in accordance with one embodiment of the present invention. Note that the steps shown in FIG. 3 are exemplary, and each step may be combined, separated or omitted, and the order of each step may be changed.

Process 300 begins by updating information regarding the payment status of the respective payment in step 302. Information about the status of payment of the payment of the respective series of payments may include information about how much the payment due in that series has been made by the due date (for example, whether the payment has been paid in full or only partially). It may include. Alternatively, information about the payment status of the respective payment may include information about when the payment was made (for example, whether the payment was paid within the due date, or how long before that due date, etc.). It may include. Information regarding the payment status of the respective payment may be updated at predetermined intervals or at any point in time.

The updating of the information regarding the payment status of the respective payment can be made by updating the database 18 in which the relevant information is stored. A database maintenance system 30 that can communicate with the database 18 may update the database 18 using known techniques, such as a cash management service (CMS), virtual account service, or the like.

In step 304, information about the corresponding application rate is detected. The applicable rate is the rate used to calculate the payment due in that time. The controller 12 may detect information about the corresponding application rate by searching the database 18 in which the related information is stored. The controller 12 may transmit the detected information about the corresponding application rate to the interest rate calculation unit 14 from the database 18.

In step 306, the payment status of the respective payment is determined. For example, the controller 12 may determine when all or part of the payment is based on the payment due date based on the information on the payment status of the payment made in the database 18. have. The control unit 12 may transmit the determination result to the interest rate calculation unit 14.

In subsequent steps, subsequent rounds of interest rates are adjusted. Subsequent application of interest rate means the interest rate used to calculate the payment due in the subsequent cycle. The interest rate calculation unit 14 may calculate a subsequent application rate, which may be differently calculated according to the determination result received from the control unit 12.

According to the payment status of the corresponding round payment determined in step 306, the applicable round rate is adjusted (step 308) to set the adjusted round rate at the subsequent round rate (step 310). The set subsequent application rate may be stored in the database 18. According to one embodiment, in step 306 it may be determined whether the respective payment is partially or partially paid, and in accordance with the determination result in step 308 maintains the applicable interest rate or reduces the applicable interest rate. You can change it differently. A more detailed description thereof will be described later.

In step 312, information about the next round of applied interest rates is transmitted to the terminals 21, 22. Information about subsequent application rates may be transmitted at predetermined intervals or at any point in time. The communication unit 16 uses the communication network such as WAP, TCP / IP, CDMA, GSM, etc. via any communication network such as Internet network, LAN network, VAN network, or mobile communication network to receive information about subsequent application rate. Can be sent to (21, 22). Information about subsequent application rates may be displayed on the terminals 21 and 22 and provided to the terminal user. Thus, by updating the subsequent application rate to the user (e.g., the buyer of the loan product), the user is satisfied with the loan product by increasing the satisfaction of the user who paid the loan. It is possible to obtain an effect.

In the following, each process for estimating the subsequent interest rates for all applicable and partial payments will be described in turn.

The process of calculating subsequent interest rates based on whether or not all applicable payments have been made

FIG. 4 is a logic flow diagram illustrating a process of calculating a subsequent application rate using an information about a payment status of a corresponding payment according to an embodiment of the present invention, wherein the subsequent payment is based on whether the corresponding payment is fully paid. A process 400 for calculating the applied interest rate is shown. It is noted that the steps shown in FIG. 4 are exemplary, and each step may be combined, separated or omitted, and the order of each step may be changed. Process 400 may correspond to process 300 as a whole, and steps of each process may correspond to each other except steps 406 through 412 of process 400.

Process 400 begins by updating information in step 402 about whether the respective payment is due. In step 404, the information about the applicable interest rate is detected, and in step 406, it is determined whether the corresponding payment is fully paid within the payment due date based on the information about whether the payment is made.

If it is determined in step 406 that the respective payment has been paid in full within the due date, a predetermined discount rate is applied to the applicable interest rate (step 408) and the subsequent interest rate changed by applying the fixed discount rate is subsequently applied. Set to the application rate of the series (step 412). For example, the predetermined fixed discount rate may be 3% or 5%, and the corresponding application rate may be 30.6% per year. If the fixed rate of 3% is applied to the applicable rate of interest, 30.6%, then the subsequent rate of interest is approximately 29.6%. About 29.0% annually. In the present specification, a method of discarding two decimal places or less is used as a result of applying the discount rate, but is not limited thereto. For example, a method of rounding off two decimal places may be used.

On the other hand, if it is determined in step 406 that the corresponding payment is not paid in full within the payment deadline, the applicable interest rate is maintained (step 410) and the applicable interest rate is set to the subsequent application interest rate (step 412). ). In step 414, information about the next round of applied interest rates is transmitted to the terminals 21, 22.

FIG. 5 is a logic flow diagram illustrating another embodiment of a process for estimating subsequent application rates using information on the payment status of the respective payment, in which the previous payment as well as the previous payment are fully paid. The process 500 for calculating subsequent round interest rates accordingly is shown. It is noted that the steps shown in FIG. 5 are exemplary, and each step may be combined, separated or omitted, and the order of each step may be changed. Process 500 may correspond to process 300 as a whole, and steps of each process may correspond to each other except steps 506 to 518 of process 500.

Process 500 begins by updating information in step 502 about whether the respective payment is due. In step 504, the information about the applicable interest rate is detected, and in step 506, it is determined whether the corresponding payment is fully paid within the payment due date based on the information on whether the payment is made.

If it is determined in step 506 that the respective payment has been paid in full within the payment due date, the process proceeds to steps 508 and 510 to determine whether the previous payment is due and information about the previous interest rate applied. Detect. The previous round refers to the previous round, and the interest rate applied to the previous round refers to the rate used to calculate the payment due in the previous round. The control unit 12 may detect information regarding whether the previous round payment is paid and information about the previous round applying interest rate by searching the database 18 in which the related information is stored. The controller 12 may transmit information on whether the detected previous round payment is paid and information on the previous round applied interest rate from the database 18 to the rate calculating unit 14.

Based on the information about the corresponding turn detected in steps 502 and 504 and the information about the previous turn detected in steps 508 and 510, N consecutive times from the predetermined previous turn to the corresponding turn It is then determined whether the payment has been made in full for the same applied interest rate (step 512). For example, it is possible to determine whether the payment has been made in full for the same applicable interest rate in three consecutive rounds, including the round. N is a natural number and can be changed depending on how the loan product is operated. The control unit 12 may determine whether the payment has been paid in full for the same applied interest rate N consecutive times from the predetermined previous round to the round based on the search result of the database 18.

In step 512, if it is determined that the payment has been paid in full for the same applied interest rate N consecutive times from the predetermined previous time to the corresponding time, a predetermined fixed discount rate is applied to the corresponding applied interest rate (step 514), The modified applicable interest rate is set to the subsequent application interest rate (step 518). For example, the successive round period, that is, the N value corresponds to 3, the applied interest rate for the third round is 30.6% per year, and the predetermined fixed discount rate may be 3% or 5%. When the payment is made in full for the 30.6% annual interest rate for the third consecutive period, including the relevant round, if the fixed rate of 3% is applied to the annual interest rate, the subsequent annual interest rate is approximately 29.6%. If 5% is applied to the applicable rate, the subsequent rate is approximately 29.0% per year.

On the other hand, in step 506, it is determined that the corresponding payment is not paid in full, or in step 512, it is determined that the payment is not paid in full for the same applied interest rate N times in a row from the predetermined previous turn to the corresponding turn. If (e.g., only some of the N times are paid or not paid N times in a row), the applicable interest rate is maintained (step 516) and the applicable interest rate is set to the subsequent application interest rate (step 518). In step 520, the information about the next round rate is transmitted to the terminals (21, 22).

In order to help the understanding of the above-described process, an example of calculating a subsequent application rate based on the payment status of the corresponding payment according to the process will be described. For example, in [Table 2], in the loan products with the conditions as shown in [Table 1] below, N values (continuous periods) correspond to 3, as shown in the example above, and the first interest rate is 30.6 per year. % Indicates loan-related data including applicable interest rates and payments for each round in the case of a fixed discount rate of 3% applicable to the borrower's faithful payment. In addition, [Table 3] shows loan-related data including applicable interest rates and payments for each round when the fixed discount rate is 5% under the same conditions as in [Table 2]. In each table, it is assumed that the unit of value is Korean Won, and that the payment has not been overdue and is paid at all times.

The process of calculating subsequent interest rates based on whether or not part of the payment is due

FIG. 6 is a logic flow diagram illustrating another embodiment of a process for estimating subsequent application rates using information on the status of payment of the respective payment, in which subsequent application rates are calculated according to whether the payment is partially paid. Process 600 is shown. Note that the steps shown in FIG. 6 are exemplary, and each step may be combined, separated or omitted, and the order of each step may be changed. Process 600 corresponds to process 300 as a whole, and steps of each process may correspond to each other except steps 606 to 612 of process 600.

Process 600 begins at step 602 by updating information regarding whether the respective payment is due. In step 604, the information about the applicable interest rate is detected, and in step 606, it is determined whether the corresponding payment is partially paid by the payment due date based on the information on whether the payment is made.

If in step 606 it is determined that the payment is partially paid by the due date, a variable discount rate based on the payment rate between that payment and the actual payment made is applied to the applicable interest rate (step 608). Set the application rate at the subsequent application rate (step 612). For example, assume that the baseline discount rate used as the basis for calculating the variable discount rate is 3% and the applicable interest rate is 30.6% per year. In this case, the variable discount rate may vary within the range of greater than 0% and less than 3%, depending on the rate of payment between the respective payment and the actual payment made. It may range from greater than about 29.6% annually and less than 30.6% annually. For example, if only 150,000 won of the 200,000 won is actually paid, the rate is 75%, so only 75% of the standard discount rate is recognized, resulting in a variable discount rate of about 2.3%. When applied, the subsequent round rate is about 29.8%.

On the other hand, if it is determined in step 606 that the corresponding payment is not paid at all, the applicable interest rate is maintained (step 610) and the applicable interest rate is set to the subsequent application interest rate (step 612). In step 614, information about the next round of applied interest rates is transmitted to the terminals 21, 22.

While the invention and its various functional components have been described in particular embodiments, the invention may be implemented in hardware, software, firmware, middleware, or a combination thereof, and the system, subsystem, components or sub-configurations thereof. It should be understood that they can be used as elements. If implemented in software, the elements of the invention are instructions / code segments for performing the necessary tasks. The program or code segments may be stored in a machine readable medium, such as a processor readable medium, a computer program product, or via a transmission medium or communication link by a computer data signal embodied in a carrier wave or a signal modulated by a carrier. Can be sent. Machine readable media or processor readable media may include any medium that can store or transmit information in a form readable and executable by a machine (eg, processor, computer, etc.).

The above embodiments have been described with reference to the embodiments shown in the drawings in order to help understanding of the invention, but these are merely exemplary, and those skilled in the art may implement various modifications and other equivalent forms therefrom. It will be appreciated that examples are possible. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible without departing from the spirit and scope of the invention as defined by the appended claims.

10: loan product management system
12: control unit
14: yield rate
16:
18: Database
21, 22: terminal
30: Database Maintenance System
40: network

Claims (17)

As a method for operating a loan product,
Updating, by the control unit, information regarding the payment status of the corresponding payment in the first database;
Detecting, by the controller, information about the corresponding application rate of interest from a second database;
Determining, by the control unit, a payment state of the corresponding round payment;
Adjusting, by the control unit, the corresponding application rate of interest based on the determined payment state of the corresponding payment; And
Setting, by the control unit, the corresponding application rate to the subsequent application rate;
The determining of the payment state of the corresponding payment includes the step of determining, by the controller, whether the corresponding payment is fully paid.
And adjusting the corresponding application rate of interest, the control unit applying a predetermined fixed discount rate to the corresponding application rate of interest when all the payments for the corresponding application of the series are paid. delete The method of claim 1,
Detecting, by the controller, information regarding whether a previous round payment is paid from the first database; And
Detecting, by the controller, information regarding a previous round rate of interest from the second database;
Further comprising:
The step of determining whether the corresponding round payment has been paid in full includes the step of the control unit determining whether all the payment has been paid for the same applied interest rate N times consecutively from the predetermined previous round to the round.
The adjusting of the applicable application rate may include adjusting a predetermined discount rate to the application rate if the payment is paid in full for the same application interest rate N consecutive times from the previous previous time to the current time. Comprising the steps of operating a loan product. As a method for operating a loan product,
Updating, by the control unit, information regarding the payment status of the corresponding payment in the first database;
Detecting, by the controller, information about the corresponding application rate of interest from a second database;
Determining, by the control unit, a payment state of the corresponding round payment;
Adjusting, by the control unit, the corresponding application rate of interest based on the determined payment state of the corresponding payment; And
Setting, by the control unit, the corresponding application rate to the subsequent application rate;
The determining of the payment state of the corresponding payment includes the step of determining, by the controller, whether the corresponding payment is partially paid.
And adjusting the corresponding application rate, the control unit applying a variable discount rate based on the payment rate to the corresponding application rate when the payment is partially paid. The method according to any one of claims 1, 3, and 4,
And updating the information on the payment status of the respective payment in the first database is performed at predetermined intervals. The method according to any one of claims 1, 3, and 4,
The control unit further comprises the step of transmitting the information about the subsequent application rate applied to the terminal, loan product operating method. As a method for operating a loan product,
Detecting, by the control unit, information regarding a payment status of a previous round payment and a payment status of the round payment in the first database;
Detecting, by the controller, information about a previous round rate and the round rate;
Determining, by the control unit, a payment state of the previous round payment and a payment state of the corresponding round payment;
Adjusting, by the control unit, the corresponding application rate of interest based on the determined payment status of the previous round payment and the payment status of the corresponding round payment; And
Setting, by the control unit, the corresponding application rate to the subsequent application rate;
Determining the payment status of the previous round payment and the payment status of the corresponding round payment includes the step of determining, by the controller, whether the previous round payment and the corresponding round payment have been paid in full,
Adjusting the corresponding application rate, the step of applying the predetermined fixed discount rate to the corresponding application rate, if the previous time payment and all of the time payment is paid in full, loan product management Way. As a method for operating a loan product,
Updating, by the controller, information on whether the corresponding payment is made in the first database;
Detecting, by the controller, information regarding whether a previous round payment is paid from the first database;
Detecting, by the control unit, information regarding the corresponding application rate and the previous application rate from the second database;
Determining, by the controller, whether the payment has been paid in full for the same applied interest rate N consecutive times from a predetermined previous turn to the turn;
Applying, by the controller, a predetermined discount rate to the applicable application rate if all payments have been made for the same application interest rate consecutively from a predetermined previous time to the corresponding time;
If the payment is not paid in full for the same applied interest rate N consecutive times from a predetermined previous time to the corresponding time, the control unit maintaining the corresponding applied rate;
Setting, by the control unit, the corresponding application rate of interest to a subsequent application rate of interest; And
Transmitting, by the control unit, information on the subsequent round applied interest rate to a terminal;
Including, loan product operating method. As a system for operating a loan product,
A first database for storing information on the payment status of the respective payment;
A second database for storing information on the corresponding application rate;
A control unit configured to determine a payment state of the corresponding payment; And
A rate calculation unit configured to adjust the applicable interest rate based on the determined payment status of the relevant payment, and to set the applicable interest rate to a subsequent application interest rate,
The control unit is configured to determine whether the corresponding round payment has been paid in full;
And the interest rate calculation unit is configured to apply a predetermined fixed discount rate to the corresponding applicable interest rate when the corresponding payment is fully paid. delete 10. The method of claim 9,
The first database further stores information on whether or not to pay the previous round payment,
The second database further stores information about a previous round rate;
The control unit is configured to determine whether the payment has been paid in full for the same applied interest rate N consecutive times from the predetermined previous round to the round.
And the interest rate calculation unit is configured to apply a predetermined fixed discount rate to the corresponding application rate when the payment is paid in full for the same application interest rate N consecutive times from the predetermined previous time to the time. As a system for operating a loan product,
A first database for storing information on the payment status of the respective payment;
A second database for storing information on the corresponding application rate;
A control unit configured to determine a payment state of the corresponding payment; And
A rate calculation unit configured to adjust the applicable interest rate based on the determined payment status of the relevant payment, and to set the applicable interest rate to a subsequent application interest rate,
The control unit is configured to determine whether the corresponding payment is partially paid.
And wherein the interest rate calculation unit is configured to apply a variable discount rate based on a payment rate to the corresponding applicable interest rate when the corresponding payment is partially paid. The method according to any one of claims 9, 11 and 12,
The loan database operating system, wherein the first database is updated at predetermined intervals with information about whether the respective payment is made. The method according to any one of claims 9, 11 and 12,
And a communication unit configured to transmit information on the subsequent round rate of interest to a terminal. The method according to any one of claims 9, 11 and 12,
And a database maintenance system for updating the first database. As a system for operating a loan product,
A first database for storing information about a payment status of a previous payment and a payment status of the corresponding payment;
A second database for storing information about the previous round rate and the round rate;
A control unit configured to determine a payment state of the previous round payment and a payment state of the corresponding round payment; And
A rate calculation configured to adjust the applicable interest rate and set the applicable interest rate to a subsequent application interest rate based on the determined payment status of the previous round payment and the determined payment status of the respective round payment;
The controller is configured to determine whether the previous round payment and the corresponding round payment have been paid in full;
And the interest rate calculation unit is configured to apply a predetermined fixed discount rate to the corresponding applicable interest rate when the previous and previous payments are paid in full. As a system for operating a loan product,
A first database for storing information on whether the payment is made and the previous payment is made;
A second database for storing information on the corresponding application rate and the previous application rate;
A control unit configured to determine whether the payment has been made in full for the same applied interest rate N consecutive times from the predetermined previous turn to the turn;
If the payment has been made in full at the same applicable interest rate N consecutive times from the previous previous round to the applicable round, the fixed rate is applied to the applicable round of interest rate, and N consecutive times from the previous previous round to the round. An interest rate calculation unit configured to maintain the applicable rate of interest and set the applicable rate of interest to a subsequent rate of interest if all payments for the same rate of interest are not paid; And
A communication unit configured to transmit information on the subsequent round rate of interest to a terminal
Containing, loan product management system.

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