KR20010056581A - Inquiry method the money of maximum limit loaned and the rate of interest of using internet - Google Patents

Abstract

PURPOSE: A method for referring a loan limit amount/interest rate using the Internet is provided to present one's information using the Internet and to borrow money from a loan company in accordance with the presented information. CONSTITUTION: If a client is connected, an initial guide screen is transmitted and the client selects an inquiry/lending application. In the case that an inquiry is selected, borrow limitation and a loan interest rate stored by inquiring the information inputted to a loan company are transmitted to the client for confirming thereof. In the case that a lending is selected, the client's information in accordance with a loan application is inputted. If the input of the client's information is completed, the inputted information is transmitted to the loan company, and borrow limitation money and a loan interest rate are searched. The searched borrow limitation money and loan interest rate are stored and informed to the client.

Description

Inquiry method the money of maximum limit loaned and the rate of interest of using internet}

The present invention provides loan limit amounts and loan interest rates from various companies (hereinafter, referred to as 'loan companies') for loaning predetermined funds by customers who wish to loan through the Internet, such as banks and insurance companies. The present invention relates to a loan limit amount / interest rate retrieval method using the Internet.

Thanks to the rapid development of communication technology and computer field, computer communication and internet communication have become a means of information acquisition and exchange for modern people, and its functions and roles are exploding.

The Internet is made by connecting Internet subscribers to an Internet network to which information providers and specific servers, which are commonly referred to as IP providers, are connected to a website established by a specific server or information provider. It is using information or services of the site.

In addition, the Internet is not limited to the communication between people belonging to a specific service group, and has become the most popular information acquisition and communication network because there is no country or region.

On the other hand, people often wish to obtain a loan from a lending company to make a living while living a predetermined life.

For example, a family may want to borrow a home to buy a house or make a loan, a student may want to borrow a student loan, and the managers of the company may want to borrow business funds. many.

When people want to borrow a certain amount of money like this, people usually visit a lending company that lends a certain amount of money, including banks and insurance companies, and present themselves while consulting with employees of the visiting loan company. It checks the amount of loans and the interest rate of loans with credit, real estate and guarantor, etc., and obtains a certain amount from the lenders who presented the loan amount and the interest rate of loans in the most favorable result.

However, it is not only a lot of time and manpower that people who want to visit the lending company, but also a loan company that presents the most favorable conditions for them, there is a problem that does not receive a predetermined loan.

In other words, when people want to borrow, visiting and consulting all lending companies is time-consuming and labor-intensive.

Therefore, people usually visit one or two lenders to consult a loan and select a lender from among the lenders that has offered favorable loan conditions, loan limit and loan interest rate. However, this is only a loan of a predetermined amount from the lenders who presented the conditions favorable to them among the lenders who visited them, there was a problem that the other lenders presenting the conditions most favorable to them set the loans.

Therefore, an object of the present invention is to present their information by using the Internet, the loan limit amount that can be easily borrowed from the lenders according to the information presented and the loan limit amount using the Internet to easily look up the loan interest rate / To provide an interest rate inquiry method.

According to the loan limit amount / interest rate inquiry method using the Internet of the present invention for achieving this object, the first step of transmitting the initial guide screen and to select the inquiry / loan application when the customer is connected; A second step of transmitting and checking a loan limit amount and a loan interest rate stored in the lending company with information input by the corresponding customer when the inquiry is selected in the first step; A third step of inputting customer information according to the loan request when selecting a loan application in the first step; A fourth step of inquiring a loan limit amount and a loan interest rate by transmitting the inputted customer information to the loan company when the input of the customer information is completed in the third step; And a fifth process of storing the loan limit amount and the loan interest rate in the fourth process and informing the customer.

And the first process; It is determined whether the connected customer is a member, and if the user is a member, select inquiry / loan application immediately, if not a member, join the member, and then select inquiry / loan application, and the information of the customer of the third process Is; Enters the customer's personal information, the customer's workplace information, the customer's entire workplace information, the customer's financial information, the customer's real estate information and the customer's loan history; The guarantor's information, including the guarantor's information; The guarantor's personal information, the guarantor's workplace information, the guarantor's previous job information, the guarantor's financial information, the guarantor's real estate information, and the guarantor's loan history; It is determined whether the customer is still connected, and if it is determined that the customer is connected, the loan limit amount and the loan interest rate inquired may be transmitted to the customer for confirmation. It is characterized by sending the loan limit amount and loan interest rate inquired by the customer's e-mail to the customer when determining whether the customer requested the e-mail transmission and requesting the e-mail transmission.

1 is a view showing the hardware to which the loan limit amount / interest rate inquiry method of the present invention is applied,

2 to 4 is a signal flow diagram showing a loan limit amount / interest rate inquiry method of the present invention.

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

10: loan management server 12: database

20: Computer for a plurality of customers 30: Computer for a plurality of loan companies

40: Internet

Hereinafter, a loan limit amount / interest rate inquiry method using the Internet of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating hardware to which the loan limit amount / interest rate inquiry method of the present invention is applied.

Here, reference numeral 10 denotes a loan management server for controlling the inquiry operation of the loan limit amount and the loan interest rate, and reference numeral 12 denotes information about a customer provided to the loan management server 10 and wishing for a loan. It is a database in which various information including the loan limit amount and the interest rate of loans is made into a database and stored and output.

Reference numeral 20 denotes a plurality of customer computers each used by a plurality of customers who wish to borrow a loan, and reference numeral 30 denotes a loan management server 10 installed at a lending company such as a bank and an insurance company. A plurality of loan company computers that calculate a loan limit amount and an interest rate according to information of customers transmitted through the loan and transmit the calculated loan limit amount and an interest rate to the loan management server 10, and the plurality of customer computers 20 And lender company computer 30 is connected to the loan management server 10 via the Internet 40 to enable data communication.

In the loan limit amount / interest rate inquiry method of the present invention acting on the hardware of such a configuration, as shown in Figure 2, the loan management server 10 performs an initialization operation in step S20, and in step S22 the Internet It is determined whether the customer computer 20 is connected via the Internet 40 in step S24 while always maintaining the connection state of the 40.

When the customer computer 20 is connected to the loan management server 10 through the Internet 40 in step S24, the loan management server 10 accesses the initial guide screen in step S26. Transfer to the customer computer 20 so that the initial guide screen is displayed on the monitor of the customer computer 20 and can be confirmed by the customer.

In this state, in the next step (S28), the loan management server 10 determines whether the customer is a member by the information input from the customer computer 20.

That is, in the case of a member, an identification code and a password are given to the member, and when an identification code and a password are input, the identification code and a password are searched to determine whether the member is a member. If the password is not entered, the loan management server 10 receives a membership request in step S30 to join the member.

Here, membership registration is a variety of personal information about the member, for example, the member's name, social security number, E-mail address, company name (school name), address, home phone number, mobile phone (pager) number, identification code and password, etc. Is inputted, and the various personal information of the inputted member is converted into a database and stored in the database 12.

In this way, when the customer who is a member accesses or the customer joins the member, the loan management server 10 causes the customer who uses the customer computer 20 to select an inquiry or loan application in step S32, and the customer In the case of selecting this inquiry, in step S34, the customer's loan inquiry result can be retrieved from the database and transmitted to the customer computer 20 for confirmation.

When the customer applies for a loan in step S32, the customer's information is input in steps S36 to S48.

That is, in step S36, the loan application details of the customer are inputted, the amount to be loaned, types of loans such as general loans or revolving loans, home purchases, lease funds, marriage funds, school expenses, debt repayment, medical expenses, Including business funds, car purchases, durable consumer goods purchases, and living expenses, including the use of funds to be loaned, the desired period for loans, loan repayment methods, salaries (including bonuses), deposits / savings, real estate sales and business income, etc. Enter the method of repaying the loan.

In step (S38), by entering the personal information of the customer, in addition to the personal information entered by the customer while joining the member, the address of the current residence, the address on the resident registration, and the ownership of the house such as owning, spouse owning, family owning and renting Enter the division, the type of house such as apartment, detached house, villa / multi-family, and house, the estimated home price (the amount of rent in case of renter), the family's living situation, marital status, and whether or not to earn a living together.

In step S40, the job type of the customer is inputted, and the type of job including salary income earner, professional worker, self-employed worker, housewife, student and unemployed person, job name, job registration number, date of establishment of the job, and number of employees. Employment forms such as full-time, full-time contracts, professional contracts, simple contracts and commodities, work addresses, work phone numbers, government / local governments, educational institutions, government investment agencies, financial institutions, media organizations, medical institutions, professional free trade, Types of workplaces, such as public corporations, self-employed businesses, workplace size such as listing, unlisted (external) and unlisted (non-external), job title, year of employment, management, office work, research / development, production / technology, professional work, labor Enter customer duties such as sales, sales, recruitment, sales, and temporary jobs.

In step S42, as the input of the former job information of the customer, the presence of the previous job, the previous job name, the previous job duration, the year and year of retirement, and the final job / position code of the previous job, and the like.

In step S44, the financial information of the customer is input, and his or her annual income, the spouse's annual income, and his / her annual property tax are input.

In step S46, the type of real estate, the location of the real estate, the size of the land and the building, the market value, the priority security right, and the like are input as inputting the real estate information of the customer.

In step S48, as the input of the loan details of the customer, the name of the loan company, which is loaned the predetermined funds, the amount of the loan, the type of the security, and the amount of the security are entered.

In the next step S50, the presence or absence of a guarantor is entered, and if there is a guarantor, the guarantor information is input in steps S52 to S62, i.e., the customer information of step S36 to S48 as in step S52. Enter the personal information of the guarantor in step S54, enter the guarantor's work information in step S54, enter the guarantor's previous work information in step S56, enter the guarantor's financial information in step S58, and In step S60, the real estate information of the guarantor is input, and the loan history of the guarantor is input in step S62.

When the information input of the customer and the guarantor is completed in this way, the loan management server 10 stores the input information in the database 12 in the next step (S64), and the result of the loan inquiry in the step (S66). Set whether or not to send the e-mail for the customer, that is, whether the customer receives the result of the loan inquiry by e-mail, and then in step S70, the customer checks the various information of the customer and the guarantor entered in step S70. In S70, it is determined whether the correction is made.

If there is a correction in step S70, the server for loan management 10 returns to step S36 to allow the customer to enter and correct the information of the customer and the guarantor, and the correction is made in step S70. If not, the information of the customer and the guarantor entered by the customer in step S72 are transmitted to the lender company computers 30 of the plurality of lenders via the Internet 40.

As such, when the customer information and the guarantor information are transmitted to the lender company computer 30, the lender company computer 30 calculates the loan limit amount and the loan interest rate by analyzing the customer information and the guarantor information inputted to the lender. And, the calculated result is transmitted to the loan management server 10 through the Internet (40).

In this state, the loan management server 10 inputs an inquiry result from the lender company computer 30 in step S74, that is, the loan limit amount and loan interest rate according to the information of the customer and the guarantor are input. If it is determined, the loan limit amount and the loan interest rate input in step S76 are stored in the database 12, and in step S78, sorting is performed on a condition-by-condition basis.

In the next step S80, it is determined whether the customer is still connected through the Internet 40. If the customer is still connected as a result of the determination, the loan management server 10 performs the customer in step S82. The inquiry result is transmitted to the customer computer 20 through the Internet 40 so that the customer can check.

In addition, when the customer is not connected in the step (S80), it is determined whether the customer requests the e-mail transmission, and in the case of requesting the e-mail transmission, the inquiry result is displayed in step S86. To be sent to the customer for verification.

In addition, as described above, the loan limit amount and the loan interest rate, which are the result of inquiring with the information of the customer and the guarantor, are stored in the database 12. When the customer selects the inquiry in the step S32, the inquiry is made. You can check the result.

As described above, according to the present invention, the customer's own information and the guarantor's information can be presented by using the Internet, and the loan limit amount and loan interest rate that can be loaned from a plurality of loan companies can be easily retrieved using the information provided. In this way, the customer can select a loan company that is most suitable for him and receive the necessary funds without visiting the loan company.

Claims (7)

A first step of transmitting an initial guide screen and selecting an inquiry / loan request when a customer is connected; A second process of transmitting a loan limit amount and a loan interest rate, which are inquired and stored to a lending company with information input by the corresponding customer when the inquiry is selected in the first process, so that the customer can check; A third step of inputting customer information according to the loan request when selecting a loan application in the first step; A fourth step of inquiring a loan limit amount and a loan interest rate by transmitting the inputted customer information to the loan company when the input of the customer information is completed in the third step; And a fifth process of storing the loan limit amount and the loan interest rate inquired in the fourth process and informing the customer of the loan limit amount and interest rate. The method of claim 1, wherein the first process comprises; Determining whether a connected customer is a member and selecting a query / loan application immediately if a member, and joining a member if not a member, and then selecting a query / loan application. How to find amount / interest rate. The method of claim 1, wherein the customer information of the third process is; A method of retrieving a loan limit amount / interest rate using the Internet, comprising inputting personal information, customer work information, customer work information, customer financial information, customer real estate information, and customer loan history. 4. The method of claim 1 or 3, wherein the customer's information; Loan limit amount / interest rate query method using the Internet characterized in that it includes the information of the guarantor. 5. The method of claim 4, wherein the guarantor's information; A method of inquiring about a loan limit / interest rate using the Internet, which includes a guarantor's personal information, a guarantor's workplace information, a guarantor's previous workplace information, a guarantor's financial information, a guarantor's real estate information, and a guarantor's loan history. The method of claim 1, wherein the fifth process comprises; Determining whether the customer is still connected, and if the determination result is connected to the loan limit amount and the loan interest rate to the customer to check the loan limit amount / interest rate using the Internet, characterized in that. The method of claim 1, wherein the fifth process comprises; Determining whether the customer has requested the e-mail transmission, and when the e-mail transmission is requested, the loan limit amount and the loan interest rate which are inquired by the customer's e-mail are transmitted to the customer. How to look up interest rates.