KR20010079347A - Money lending service method on credit using internet - Google Patents
Money lending service method on credit using internet Download PDFInfo
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- KR20010079347A KR20010079347A KR1020010040730A KR20010040730A KR20010079347A KR 20010079347 A KR20010079347 A KR 20010079347A KR 1020010040730 A KR1020010040730 A KR 1020010040730A KR 20010040730 A KR20010040730 A KR 20010040730A KR 20010079347 A KR20010079347 A KR 20010079347A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/10—Office automation; Time management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
Abstract
Description
본 발명은 인터넷을 이용한 개인신용대출 서비스방법에 관한 것으로서, 보다 상세하게는 회원의 개인신용도에 따라 대출금액의 소정 비율의 예치금액과 본 발명의 웹서버에서 상기 회원에게 소정 비율의 예치금을 보조하여 인터넷을 통해 실시간으로 신용대출을 하는 인터넷을 이용한 개인신용대출 서비스방법에 관한 것이다.The present invention relates to a personal credit loan service method using the Internet, and more particularly, according to the personal credit of the member, the deposit amount of the predetermined amount of the loan amount and the predetermined amount of the deposit to the member in the web server of the present invention. The present invention relates to a personal credit loan service method using the Internet for real-time credit loans through the Internet.
일반적으로 서민들이 급한 용무로 금전이 필요한 경우 채무자의 신용에 따라 은행, 사채업자, 친구, 가족 등을 통하여 필요한 자금을 마련한다. 그리고 은행 등의 금융권을 통해 일반 서민들이 자금을 조달하기 위해서는 보증, 담보 등이 충분이 제공될 수 있어야 한다.Generally, when people need money for urgent business, they need to raise funds through banks, lenders, friends, family, etc. according to the creditors' debt. In addition, in order for the common people to raise funds through financial institutions such as banks, guarantees and collaterals should be provided.
따라서 일반 서민들이 급한 목돈을 마련하기 가장 손쉬운 방법으로는 가까운 이웃, 친구 또는 아는 사람 등을 통해 차용증 또는 구두 약속에 의해 빌린 돈을 언제까지 갚겠다고 약속하고 돈을 차용하게 된다.Therefore, the most common way for ordinary people to raise urgent money is to borrow money by promising to repay the borrowed money by loan or oral appointment through a close neighbor, friend or acquaintance.
결국 돈을 쓸 사람은 수동적으로 업체가 게재한 광고를 보고 연락을 하여 서로의 조건에 맞을 경우 채권관계를 맺게 되며, 사채업자 위주로 돈을 구할 수 밖에 없다.After all, the person who spends the money passively contacted by the advertisements posted by the companies, and if they meet each other's conditions, they entered into a bond relationship, and the only way to get the money was from the creditors.
그러나, 최근들어 인터넷의 사용이 일반화되면서 사이버 금융기관, 사이버 증권과 같은 새로운 형태의 금융서비스들이 나타나고 이를 이용하는 이용자들의 수가 급격히 증가하는 추세에 있지만, 금융기관의 주요 기능중 하나인 대출에 있어서는 아직도 보증인을 두거나 담보를 제공해야 하는 등 금융기관 이용자에게 불편한 문제점이 있었다.However, as the use of the Internet has become more common in recent years, new types of financial services such as cyber financial institutions and cyber securities have emerged, and the number of users using them has increased rapidly. There was an uncomfortable problem for users of financial institutions, such as the need to provide or secure collateral.
본 발명은 상기한 제반 문제점을 해결하기 위해 창안된 것으로서, 본 발명의 목적은 인터넷을 통해 신용대출을 받을 회원의 신용등급을 판정한 후에 소정 비율의 예치금과 본 발명의 웹서버에서 상기 회원의 예치금에 소정비율로 보조하여 무보증, 무담보로 모든 사람이 편리하게 신용대출을 받을 수 있도록 하는 인터넷을 이용한 개인신용대출 서비스방법을 제공함에 있다.The present invention has been made to solve the above problems, the object of the present invention is to determine the credit rating of a member to receive a credit loan through the Internet after a predetermined percentage of deposit and the deposit of the member in the web server of the present invention It is to provide a personal credit loan service method using the Internet that allows all people to receive credit loans conveniently with no guarantees and unsecured by subsidizing at a predetermined rate.
상기 목적을 달성하기 위한 본 발명은, 인터넷 등의 통신매체에 접속하여 각종 정보를 제공하는 정보제공시스템에 있어서, 상기 인터넷을 통해 접속하여 기존 회원이 아닌 경우 주민등록번호, 연락처, 주소, 직장명, 연소득, 개인세금, 거래계좌번호 등을 입력받아 회원DB(210)에 저장하고, 통상의 대출약관과 동일한 내용에 개인신용등급에 따라 소정의 비율에 의해 예치금을 웹서버(200)에 예치함에 동의한다라는 대출약관에 동의하는 대출약관 계약단계와; 약관에 동의 후와 기존 회원인 경우에 대출희망자 본인임을 회원DB(210)에 입력된 정보와 대조하여 사용자 인증을 하는 사용자 인증단계와; 그 후 상기 회원(100)은 다시 대출금액과 상황방법, 상환 약정시기, 이자율 등을 기입하여 대출신청을 하고 신청자료를 완성하여 웹서버(200)에 입력하는 대출신청단계와; 입력된 정보로 현재 날자로 등록된 정보를 이용하여 금융기관(300)과 신용평가기관에 상기 회원(100)의 신용등급평가를 의뢰하여 신용등급을 평가하고, 다시 상기 회원DB(210)에 저장되어 있는 정보를 취합하여 무보증, 무담보로 대출가능한 대출등급을 산정하는 대출등급산정단계와; 그 후 상기 대출등급과 회원(100)이 신청한 대출금액에 따라 소정비율로 회원의 예치금 비율과, 소정비율의 회사부담 예치금비율을 산정하는 예치금산정단계와; 상기 산정된 예치금은 금융기관(300)에 예치되고 그 차액에 대해 신용대출이 실시되어 회원(100)의 계좌로 대출금이 이체되는 신용대출단계와; 상기 대출한 대출금액을 모두 상환하게 되면, 상기 회원이 소정비율로 예치한 금액을 다시 회원(100)의 계좌로 이체하는 예치금 환원단계로 이루어지는 것을 특징으로 한다.The present invention for achieving the above object is an information providing system for providing a variety of information by accessing a communication medium, such as the Internet, the social security number, contact information, address, work name, annual income, Receives a personal tax, transaction account number, etc. and stores it in the member DB 210, and agrees to deposit the deposit in the web server 200 at a predetermined rate according to the personal credit rating in the same contents as the general loan terms. A loan agreement contracting step agreeing to the terms; A user authentication step of authenticating the user by agreeing to the terms and if the existing member is a loan applicant and comparing the information entered in the member DB 210; Thereafter, the member 100 fills out the loan amount, the situation method, the repayment agreement period, the interest rate, etc., and makes a loan application, and completes the application data and inputs it to the web server 200; Request the credit rating evaluation of the member 100 to the financial institution 300 and the credit rating agency using the information registered on the current date as the input information, and evaluates the credit rating, and stores it in the member DB 210 again. A loan rating calculation step of calculating the loan rating that can be borrowed with no guarantees and unsecured by collecting the information; A deposit calculation step of calculating a deposit ratio of the member and a deposit ratio of the company-burden at a predetermined ratio according to the loan grade and the loan amount requested by the member 100; The calculated deposit is deposited in the financial institution 300 and the credit loan is carried out for the difference, the credit loan step of transferring the loan to the account of the member 100; When all the loan amount is repaid, it is characterized in that the deposit reduction step of transferring the amount deposited by the member at a predetermined rate back to the account of the member 100.
또한 본 발명은 인터넷 등의 통신매체에 접속하여 각종 정보를 제공하는 정보제공시스템에 있어서, 상기 인터넷을 통해 접속하여 기존 회원이 아닌 경우 주민등록번호, 연락처, 주소, 직장명, 연소득, 개인세금, 거래계좌번호 등을 입력받아 회원DB(210)에 저장하고, 통상의 대출약관과 동일한 내용에 개인신용등급에 따라 소정의 비율에 의해 예치금을 웹서버(200)에 예치함에 동의한다라는 대출약관에 동의한 회원 및 기존 회원인 경우에 대출희망자 본인임을 회원DB(210)에 입력된 정보와 대조하여 사용자 인증을 하는 사용자 인증기능과; 상기 회원(100)이 신청한 대출금액과 상황방법, 상환 약정시기, 이자율 등을 기입하여 대출신청한 신청자료로 금융기관(300)과 신용평가기관에 상기 회원(100)의 신용등급평가를 의뢰하여 신용등급을 평가하고, 다시 상기 회원DB(210)에 저장되어 있는 정보를 취합하여 무보증, 무담보로 대출가능한 대출등급을 산정하는 대출등급산정기능과; 상기 대출등급과 회원(100)이 신청한 대출금액에 따라 소정비율로 회원의 예치금 비율과, 소정비율의 회사부담 예치금비율을 산정하는 예치금산정기능과; 상기 회원(100)의 대출금의 상환여부 및 연체상황 등은 대출정보DB(220)에서 금융기관과 연계하여 사전에 대출금의 상황기일의 도래에 앞서 회원(100)에게 통보하여 연체를 사전에 방지하고, 상황에 따라 회원의 납입금을 회사에서 대납하여 회원의 신용상태를 최적으로 유지하도록 하는 관리기능을 실현시키기 위한 프로그램을 기록한 컴퓨터로 읽을 수 있는 기록매체를 포함한다.In addition, the present invention is an information providing system that provides a variety of information by accessing a communication medium, such as the Internet, in the case of a non-existing member to access through the Internet resident registration number, contact information, address, work name, annual income, personal tax, transaction account number The member who has received the information and stores it in the member DB 210 and agrees to deposit the deposit to the web server 200 at a predetermined rate according to the personal credit rating in the same content as the general loan terms and conditions. A user authentication function for authenticating a user by contrasting information inputted in the member DB 210 if the loan member is the existing member; Request the credit rating evaluation of the member (100) to the financial institution (300) and the credit rating agency as the application data for the loan application by filling in the loan amount and the situation method, repayment commitment period, interest rate, etc. requested by the member (100) Loan rating calculation function to evaluate the credit rating, and to collect the information stored in the member DB (210) again to calculate the loan grade available for loans with no guarantees and unsecured; A deposit calculation function for calculating a deposit ratio of a member at a predetermined rate and a company-burden deposit ratio at a predetermined ratio according to the loan grade and the loan amount requested by the member 100; Repayment or delinquency status of the loan of the member 100 is notified in advance in advance of the situation date of the loan in advance in advance of the situation date of the loan in advance in connection with the financial institution in the loan information DB 220 and It includes a computer-readable recording medium that records a program for realizing a management function for maintaining the member's credit status by paying the member's payment in accordance with the circumstances.
도1은 본 발명에 따른 인터넷을 이용한 개인신용대출 서비스시스템의 개략적인 구성도이고,1 is a schematic configuration diagram of a personal credit loan service system using the Internet according to the present invention;
도2는 본 발명에 따른 인터넷을 이용한 개인신용대출 서비스방법의 동작흐름도이다.2 is a flowchart of a personal credit loan service method using the Internet according to the present invention.
< 도면의 주요 부분에 대한 부호의 설명 ><Description of Symbols for Main Parts of Drawings>
100: 회원 200: 웹서버100: member 200: web server
210: 회원DB 220: 대출정보DB210: member DB 220: loan information DB
300: 금융기관300: financial institution
이하, 첨부된 도면을 참조하여 본 발명의 인터넷을 이용한 개인신용대출 서비스방법에 대해 상세히 설명한다.Hereinafter, with reference to the accompanying drawings will be described in detail the personal credit loan service method using the Internet of the present invention.
도1은 본 발명에 따른 인터넷을 이용한 개인신용대출 서비스시스템의 개략적인 구성도이고, 도2는 본 발명에 따른 인터넷을 이용한 개인신용대출 서비스방법의 동작흐름도이다.Figure 1 is a schematic configuration diagram of a personal credit loan service system using the Internet according to the present invention, Figure 2 is a flow chart of the personal credit loan service method using the Internet according to the present invention.
상기 도1 및 도2를 참조하면, 대출(貸出)을 하고자 하는 사람을 회원으로하여 상기 회원에 대한 개인신상정보를 저장하는 회원데이터베이스(이하 회원DB라 함;210)와, 상기 회원이 작성한 대출 신청자료와, 대출된시기, 일시납/분납의 선택사항, 상환 약정시기, 이자율 등과 대출금의 상환여부 및 연체상황의 정보를 저장하는 대출정보데이터베이스(이하 대출정보DB라 함;220)와, 상기 데이터베이스를 관리하고 인터넷을 통해 다수의 회원컴퓨터(인터넷에 연결할 수 있는 단말기를 포함)(100)에 정보를 공급받고 상기 회원(100)에 대해 소정의 비율로 제공되는 예치금을 제공하는 웹서버(이하 본 발명의 웹서버를 칭함;200)와, 상기 웹서버(200)와 연동되어 상기 회원(100)에게 대출금을 지불하고 상기 예치금을 보관하는 금융기관(300)으로 구성된다.1 and 2, a member database (hereinafter referred to as a member DB; 210) for storing personally identifiable information about the member using a person who wants to make a loan as a member; Loan information database (hereinafter referred to as loan information DB) 220, which stores application data, loan time, option for lump sum payment / payment, repayment agreement period, interest rate, etc. And a web server that receives information from a plurality of member computers (including terminals capable of connecting to the Internet) 100 through the Internet and provides a deposit provided at a predetermined rate for the member 100 It refers to a web server of the invention; 200, and is linked to the web server 200 is composed of a financial institution 300 that pays the loan to the member 100 and stores the deposit.
즉, 상기 웹서버(200)는 신용대출을 하고자 하는 대출희망자(100)들에게 소정의 대출 신청서를 접수받아 금융기관(300)으로 신용정보를 입수받아 신용평가를 한 후에 소정의 비율로 예치금을 적립하고, 또한 회원(100)에 대해 소정의 비율로 상기 예치금을 보조하여 최소한의 비용으로 상기 대출희망자(100)에게 무보증, 무담보로 대출을 실시하게 된다.In other words, the web server 200 receives a predetermined loan application from the borrower 100 who wants to make a credit loan, obtains credit information from the financial institution 300, evaluates the credit, and deposits a deposit at a predetermined rate. In addition, by subsidizing the deposit at a predetermined rate with respect to the member 100, the loan prospector 100 is provided with no guarantees and unsecured loans at a minimum cost.
상기 도2를 참조하여 본 발명의 작용ㆍ효과를 보다 상세히 설명하면, 먼저 본 발명의 웹서버(200)에 대출희망자(100)가 인터넷을 통해 접속하여 ID(Identification)와 PW(password)를 입력하게 된다(S10).Referring to FIG. 2, the operation and effect of the present invention will be described in more detail. First, the loan applicant 100 accesses the web server 200 of the present invention through the Internet and inputs an ID and a password. It is made (S10).
이 때 웹서버(200)의 회원DB(210)에 등록되어 있지 않은 회원이라면, 회원에 대한 정보를 입력하고(S15), 소정의 대출약관에 동의하게 된다(S20).At this time, if the member is not registered in the member DB 210 of the web server 200, information about the member is input (S15), and the predetermined loan terms are agreed (S20).
상기 회원정보에는 회원의 주민등록번호, 연락처, 주소, 직장명, 연소득, 개인세금, 거래계좌번호 등을 입력받아 회원DB(210)에 저장하게 되며, 상기 대출약관은 통상의 대출약관과 동일한 내용에 개인신용등급에 따라 소정의 비율에 의해 예치금을 웹서버(200)에 예치함에 동의한다라는 조항에 더 추가되어 약정된다.In the member information, the member's resident registration number, contact information, address, work name, annual income, personal tax, transaction account number, etc. are input and stored in the member DB 210. The loan terms and conditions are the same as those of ordinary loan terms. In addition to the terms, the agreement is further added to the provision of agreeing to deposit a deposit to the web server 200 by a predetermined ratio.
약관에 동의가 되고 난 후에는 웹서버(200)에서 사용자 인증 즉, 대출희망자 본인임을 회원DB(210)에 입력된 정보와 대조하여 사용자 인증을 확인하게 된다.After agreeing to the terms and conditions, the web server 200 checks the user's authentication by checking the user's authentication, that is, the loan requester himself / herself, with the information entered in the member DB 210.
물론 정당한 회원이 아닐경우에는 초기화면으로 다시 돌아가게 된다(S25).Of course, if not a valid member will return to the initial screen (S25).
그 후 상기 회원(100)은 다시 대출금액과 상황방법, 상환 약정시기, 이자율 등을 기입하여 대출신청을 하고 신청자료를 완성하여 웹서버(200)에 입력하게 된다(S30). 입력된 정보로 현재 날자로 등록된 정보를 이용하여 금융기관(300)과 신용평가기관에 상기 회원(100)의 신용등급평가를 의뢰하여 신용등급을 평가하고, 다시 상기 회원DB(210)에 저장되어 있는 정보를 취합하여 본 발명의 웹서버(200)에 따른 회원등급을 산정하게 된다(S35). 즉, 공인된 금융기관(300)과 신용평가기관의 정보와 본 발명의 웹서버(200)에 등록된 정보를 이용하여 무보증, 무담보로 대출가능한 대출등급을 산정하게 되는 것이다.Thereafter, the member 100 fills out the loan amount, the situation method, the repayment agreement period, the interest rate, and the like to apply for the loan, completes the application data, and inputs it to the web server 200 (S30). Request the credit rating evaluation of the member 100 to the financial institution 300 and the credit rating agency using the information registered on the current date as the input information, and evaluates the credit rating, and stores it in the member DB 210 again. By gathering the information is calculated to calculate the membership level according to the web server 200 of the present invention (S35). That is, using the information registered in the financial institution 300 and the credit rating agency and the information registered in the web server 200 of the present invention is to calculate the loan grade that can be loaned with no guarantee, unsecured.
그 후 상기 대출등급과 회원(100)이 신청한 대출금액에 따라 소정비율로 회원의 예치금 비율을 산정하는데, 대출금액은 500만원이하의 소액과 500만원이상으로 구분하여 대출금액의 등급을 산정하고 회원의 대출등급에 따라 상기 대출금의 등급의 소정비율 금액을 예치금으로 산정하게 된다(S40). 바람직하게는 현재의 은행 대출금리의 90%정도 일것이다.After that, the ratio of the member's deposit is calculated at a predetermined rate according to the loan grade and the loan amount applied by the member 100. The loan amount is divided into a small amount of less than 5 million won and more than 5 million won to calculate the grade of the loan amount. According to the loan grade of the member it is calculated a predetermined percentage amount of the grade of the loan as a deposit (S40). Preferably, it will be about 90% of the current bank loan rate.
그리고 상기 회원(100)의 예치금에 소정비율로 회사부담의 예치금비율을 산정하게 되는데, 이 때는 회원(100)의 가입수와 현재 웹서버(200)를 통한 전체 예치금의 예치이자율을 근거로 하여 산정하게 된다(S45).And the deposit ratio of the company burden to the deposit amount of the member 100 at a predetermined rate is calculated, in this case, based on the number of subscriptions of the member 100 and the deposit interest rate of the total deposit through the current web server 200. It is made (S45).
즉, 현재 대출회원(100)의 수와, 예치된 금액의 이자등을 감안하여 회원의 수가 많을 수록 회사에서 보조하는 회사부담 예치금이 늘어나게 되도록 산정하여 회원의 부담을 최소로 하는 것이 바람직하다.That is, in consideration of the current number of loan members 100 and the interest of the deposited amount, it is desirable to minimize the burden on members by estimating the increase in the company-burden deposit assisted by the company as the number of members increases.
그 후 상기 산정된 예치금은 금융기관(300)에 예치되고 그 차액에 대해 신용대출이 실시되어 회원(100)의 계좌로 대출금이 이체된다(S50).Thereafter, the calculated deposit is deposited in the financial institution 300 and a credit loan is performed on the difference, and the loan is transferred to the account of the member 100 (S50).
상기와 같은 단계는 인터넷을 통해 실시간으로 평가되고 산정되기 때문에 대출을 신청한 회원(100)들은 실시간으로 자신이 신청한 대출금액을 받을 수 있게 되는 것이다.Since the above steps are evaluated and calculated in real time through the Internet, the members 100 who apply for a loan can receive the loan amount they applied in real time.
그 후 상기 대출한 대출금액을 모두 상환하게 되면(S55), 상기 회원이 소정비율로 예치한 금액을 다시 회원(100)의 계좌로 이체하여 예치금을 환원하게 된다.Then, when all the loan amount is repaid (S55), the amount deposited by the member at a predetermined rate is transferred back to the account of the member 100 to reduce the deposit.
즉, 회원(100)의 대출금의 상환여부 및 연체상황 등은 대출정보DB(220)에서금융기관과 연계하여 사전에 대출금의 상황기일의 도래에 앞서 회원(100)에게 통보하여 연체를 사전에 방지하고, 상황에 따라 회원의 납입금을 회사에서 대납하여 회원의 신용상태를 최적으로 유지하도록 유도하게 된다.That is, whether or not the repayment of the loan of the member 100 and the delinquency situation are notified in advance in advance of the situation date of the loan in advance in advance of the situation date of the loan in advance in connection with the financial institution in the loan information DB 220 to prevent the late payment in advance. In addition, depending on the situation, the payment of the member's payment in the company to induce the member to maintain the optimal credit status.
따라서, 대출희망자는 무보증, 무담보로 최대한의 금액을 신용대출받을 수 있게 되며, 본 발명의 웹서버(200) 관리자 즉, 회사는 회원들(100)이 예치한 적립된 예치금으로 금융기관에 대해 회사의 담보제공 능력을 향상시켜 다수의 회원들에게 편리한 신용대출을 제공하게 되는 것이다.Therefore, the loan-seeker is able to receive the maximum amount of credit loans with no guarantees or unsecured, and the web server 200 administrator of the present invention, that is, the company is a deposit with deposits deposited by the members 100 to the financial institution. This will improve the ability of the collateral to be secured, providing convenient credit loans for a large number of members.
상기와 같이 본 발명에 따르면, 대출희망자들에게 자신의 신용만으로 금융권에서 제공되는 신용대출금액보다 많은 금액을 소정의 비율로 산정된 예치금만을 예치함으로서 보다 많은 금액의 신용대출을 받을 수 있게 되며, 인터넷을 이용하여 실시간으로 매우 편리하게 신용대출을 할 수 있게 되는 것이다.As described above, according to the present invention, by only depositing a deposit amount calculated in a predetermined ratio to the loan-seekers more than the amount of credit loans provided in the financial sector with their own credit, a greater amount of credit loans can be received. You will be able to make a very convenient credit loan in real time.
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20030005951A (en) * | 2001-07-11 | 2003-01-23 | 박관수 | Intermediate business method for prohibiting delaying of credit card |
| KR20040034062A (en) * | 2002-10-21 | 2004-04-28 | 한국신용평가정보주식회사 | Method of credit filtering on internet |
| KR20040042463A (en) * | 2002-11-14 | 2004-05-20 | 주식회사 이제닉스 | Online method of supplied adjusting loan data |
| KR100519077B1 (en) * | 2001-11-30 | 2005-10-06 | 주식회사 유니온라인 | Method for providing payment service using internet for refunding financial loans |
| KR101043312B1 (en) * | 2010-09-16 | 2011-06-21 | 신용균 | Method for transacting realestate, apparatus and computer-readable recording medium with program therefor |
| KR101627526B1 (en) * | 2014-12-23 | 2016-06-08 | 제이티친애저축은행 주식회사 | System and method for providing internet-based easy loan and automatic remittance service |
| KR102028299B1 (en) * | 2019-01-18 | 2019-10-02 | 박한결 | System and method for in house credit information based electric commerce |
| KR20210126418A (en) | 2020-04-10 | 2021-10-20 | (주)오아시스펀딩 | Finance relay platform system for small business |
-
2001
- 2001-07-09 KR KR1020010040730A patent/KR20010079347A/en not_active Application Discontinuation
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20030005951A (en) * | 2001-07-11 | 2003-01-23 | 박관수 | Intermediate business method for prohibiting delaying of credit card |
| KR100519077B1 (en) * | 2001-11-30 | 2005-10-06 | 주식회사 유니온라인 | Method for providing payment service using internet for refunding financial loans |
| KR20040034062A (en) * | 2002-10-21 | 2004-04-28 | 한국신용평가정보주식회사 | Method of credit filtering on internet |
| KR20040042463A (en) * | 2002-11-14 | 2004-05-20 | 주식회사 이제닉스 | Online method of supplied adjusting loan data |
| KR101043312B1 (en) * | 2010-09-16 | 2011-06-21 | 신용균 | Method for transacting realestate, apparatus and computer-readable recording medium with program therefor |
| KR101627526B1 (en) * | 2014-12-23 | 2016-06-08 | 제이티친애저축은행 주식회사 | System and method for providing internet-based easy loan and automatic remittance service |
| KR102028299B1 (en) * | 2019-01-18 | 2019-10-02 | 박한결 | System and method for in house credit information based electric commerce |
| KR20210126418A (en) | 2020-04-10 | 2021-10-20 | (주)오아시스펀딩 | Finance relay platform system for small business |
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