KR20020090992A - Policy capital control system using internet and method thereof. - Google Patents

Abstract

PURPOSE: A system and a method for managing a finance using the Internet are provided to enable an organization recommending a finance loan to inquiry the loan progress information for a recommending company in the real-time and to enable a bank and a finance management organization to process the loan and the repayment in the real-time. CONSTITUTION: A loan recommending organization computer(2) inputs the recommending contents through the Internet by receiving a loan recommending request from a loan businessman and receives the loan execution information. A loan handling bank computer(4) requests the loan and the repayment through the Internet by receiving the loan and repayment request from the loan businessman. A finance management server(6) compares the input from the loan recommending organization computer with the information requesting the loan or the repayment inputted from the bank computer, and outputs a loan or repayment message. A finance management organization computer(10) offers the loan to the bank or receives the repayment from the bank by receiving the message from the finance management server.

Description

Financial capital management system using internet and its method

The present invention relates to a financial fund management system and a method using the Internet. More specifically, the financial fund loan recommendation institution can inquire in real time about the loan progress information for a business company recommended by him, and a loan handling bank. And financial fund management institutions can handle borrowing (or loans) and repayment of financial funds in real time, and other financial fund management institutions can use the Internet to understand the loan situation in real time.

It relates to a fund management system and method thereof.

Referring to Figure 1, a block diagram showing the configuration of a conventional financial fund management system is shown.

As shown, the conventional financial fund management system includes a loan operator applying for and repaying a loan, a loan recommendation agency that receives a loan recommendation application by mail, in person, fax, etc. from the loan operator, and reviews and approves the loan recommendation. A loan handling bank (including various financial institutions) that receives the various documents from the loan recommendation institution and receives a loan application from the loan provider and performs loan (or loan) and repayment business, and the loan recommendation institution and loan handling After receiving various documents from the bank, it consists of a financial fund management institution that loans or repays the actual financial fund to the loan handling bank.

However, such a conventional financial fund management system has a number of problems as follows.

First, the loan recommendation agency notified the loan company, the loan handling bank, and the financial fund management bank by letter of loan recommendation. For loan information on the loan company, request a list of the lenders from the financial fund management agency. Received or confirmed by phone to the bank. Therefore, the task of notifying the recommendation contents through the mail takes as long as the number of days of the mail, and the recommendation company information management task such as the loss of the recommendation was neglected, and the post management task for the loan company is inconvenient and difficult.

Second, the loan handling bank prepares the documents necessary for borrowing in order to borrow the funds and submits them to the financial fund management institution directly or applies for loans through postal application.The financial fund management agency examines the received documents. The funds were then transferred. In addition, it was inconvenient because the repayment documents were prepared when the borrowing funds were repaid, and the funds were repaid after the fax was sent to the financial fund management agency and the phone was checked. In particular, during regular repayments, hundreds of accounts were metabolized and verified, which takes a lot of time, and there is a problem that the business process is inefficient.

Third, there may be a large number of financial fund management institutions. For each financial fund management institution, borrowing documents received from each borrowing bank, ie, a loan handling bank, by mail, etc., are stored in a separate place and used as future bond documents. In this case, there is a task of checking whether an error occurs in the manual document created by hand, securing a place according to the storage of the confirmed document, and inconvenience in viewing the past document. In addition, each loan handling bank is also inconvenient to notify the borrowing documents by mail or in person.

Fourth, the financial fund management institutions and other financial fund management institutions to manage the accounts of borrowed funds and loaned funds by its own system and manual work, there is a problem that the cost is excessive and the productivity decreases according to the manual work.

Therefore, the present invention has been made to solve the above-mentioned conventional problems, financial fund loan recommendation agency can query the loan progress information for the loan business that he recommended in real time, the loan handling bank and financial fund The management institution can process the borrowing (or loan) and repayment of the financial fund in real time, and the other financial fund management institution provides the financial fund management system and method using the Internet that can grasp the loan situation in real time. .

Another object of the present invention is to finance the Internet using the Internet, which can create a new revenue source by charging a fee for the agent according to the present invention, by acting on behalf of the account of at least one financial fund management institution and other financial fund management institutions To provide a fund management system and method thereof.

1 is a block diagram showing a conventional financial fund management system.

2 is a block diagram showing a financial fund management system using the Internet according to the present invention.

Figure 3a is a sequential explanatory diagram mainly described in the borrowing and rental of the financial fund management method using the Internet according to the present invention,

3B is a computer screen showing an example of registration of recommendation contents by a loan recommendation agency.

Figure 3c is a computer screen showing an example of referral companies recommended by the loan recommendation agency,

3D is a computer screen showing an example of a loan application by a borrowing bank.

Figure 4a is a sequential explanatory diagram described mainly on the loan repayment of the financial fund management method using the Internet according to the present invention,

4B is a computer screen showing an example of an application for repayment by a borrowing bank.

FIG. 5 is a sequential explanatory diagram centering on a reception agency and a fund loan account storage agency by another financial fund management institution computer in the financial fund management method using the Internet according to the present invention.

-Description of the main symbols in the drawings-

2; Loan recommendation agency computer 4; Loan Handling Bank Computer

6; Financial fund management server 8; Webmail server

10; Financial fund management agency computer 12; User Information D / B

14; Recommendation input D / B16; Borrowing D / B

18; Redemption D / B20; Rental D / B

22; Reception D / B24; Fee D / B

26; Message D / B28; Other financial fund management computer

30; Loan Operator

In order to achieve the above object, the financial fund management system using the Internet according to the present invention receives a loan recommendation application from a lender, and after the screening, inputs the recommendation contents through the Internet and receives loan execution information. A computer of the recommending institution, at least one loan handling bank computer that receives a loan or repayment request from the lender, and which is loaned or reimbursed through the Internet, contents received from the loan recommendation agency computer, and the loan handling The financial fund management server determines whether the loan or repayment application information of the loan operator received from the bank computer is identical, and outputs a loan or repayment message when the loan is matched; and the loan or repayment message of the funds from the financial fund management server in real time. Received by the above Including rent or repayment under a certain amount of financial funds in the chair handling banking agency computer, characterized in that it is made.

In this case, the financial fund management server is further provided with a webmail server so that when the recommendation contents for the lenders are input from the lender recommendation agency computer, the lenders can be sent to the lenders by e-mail or text message.

In addition, the financial fund management server is further connected to the Internet at least one or more other financial fund management computer, the financial fund management server is loaned to the financial fund management computer when the financial fund loans Represents the reception and storage of documents.

In addition, the financial fund management server user information D / B, recommendation content input D / B, borrowing D / B, repayment D / B, rental D / B, reception D / B, fee D / B and message D / B Is provided.

In order to achieve the above object, the financial fund management method using the Internet according to the present invention includes determining whether the recommendation contents of the lenders are input by the loan recommendation institution computer, and emailing the lenders if the recommendations are entered. Or sending a text message, determining whether a loan application has been made for a loan to a lender by a loan handling bank computer, and, if the loan application is made, a loan application message to a financial fund management computer. Outputting the money; determining whether there is an approval for the borrowing application; if the approval is granted, outputting a money loan message to the loan handling bank computer; and executing a loan to the loan recommendation institution computer It is characterized by consisting of providing information.

Here, determining whether there is a repayment application by the loan handling bank computer, if there is a repayment application, outputting a repayment request message to the financial fund management computer, and determining whether there is approval for the repayment application. And outputting a repayment message to the loan handling bank computer, if the approval is granted.

In addition, determining whether there is a loan of funds from another financial fund management institution computer, if there is a loan, the act of accepting the loan of the funds, and storing the account for the loan May be further included.

According to the financial fund management system and method using the Internet according to the present invention as described above, the loan recommendation institution can be automatically provided with loan execution information for the loan provider recommended by him, the loan handling bank and finance Fund management banks have the advantage of real-time mutual processing of borrowing, lending, loans and repayment of financial funds.

In addition, there is an advantage that can create a new revenue source by charging a fee according to the reception and storage on behalf of the financial fund loan to at least one other financial fund management bank.

In addition, in order to finance the financial fund management, it is possible to improve the tasks such as notification of recommendation based on conventional documents, application and repayment of financial fund loans, etc., so that all documents are processed on the Internet as electronic documents instead of abolishing all documents. By reducing the hassle and time spent visiting financial fund management agencies, it is possible to quickly and accurately execute the financial fund lending work.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described with reference to the accompanying drawings so that those skilled in the art can easily implement the present invention.

2, there is shown a block diagram showing the configuration of a financial fund management system using the Internet according to the present invention.

As shown, the financial fund management system using the Internet according to the present invention includes a loan recommendation institution computer 2 for inputting loan recommendation contents, a loan handling bank computer 4 for borrowing or repayment application, and a loan or repayment message. A financial fund management server 6 for mutual transmission and a financial fund management institution computer 10 for approving the loan or repayment of the funds. Herein, the loan recommendation institution computer 2, the loan handling bank computer 4, and the financial fund management server 6 are connected to the Internet, and the financial fund management server 6 and the financial fund management institution computer 10 are It is connected to the company LAN. Of course, the financial fund management institution computer 10 is also directly connected to the Internet and communicates with the financial fund management server 6.

At least one loan recommendation institution computer 2 is prepared. When the loan recommendation application is received from the loan provider 30, the loan recommendation institution computer 2 is reviewed and inputted into the financial fund management server 6 through the Internet. If the loan is executed to the lender 30, the loaner 30 serves to receive the information. Here, it is preferable to log on to the loan recommendation institution computer 2 by enabling the ID and password to be authenticated from the financial fund management server 6 or by receiving a USB key in advance and inserting it into the USB port. The loan recommendation institution computer 2 may be, for example, the Small and Medium Business Administration, the Ministry of Science and Technology, and the Ministry of Commerce, Industry and Energy. However, receiving and examining a loan recommendation application from the loan provider 30 is a task performed offline.

Subsequently, at least one loan handling bank computer 4 may be provided, which receives a loan or repayment request from the loan provider 30, and after reviewing the contents, manages the financial fund through the Internet. It is input to the server 6. In this case, it is preferable to log on the loan handling bank computer 4 by authenticating the ID and password from the financial fund management server 6 or by receiving a USB key in advance and inserting it into the USB port. In addition, as will be described below, the loan handling bank computer 4 may also receive loans from other financial fund management institution computers 28. Such a loan handling bank computer 4 may be, for example, an IBK or other general banks and financial institutions.

Subsequently, the financial fund management server 6 determines whether the loan input or repayment application information of the loan operator 30 inputted from the loan recommendation institution computer 2 and the loan handling bank computer 4 are identical. And, if it matches, it serves to send the loan or repayment message to the financial fund management institution computer (10). Of course, the financial fund management server 6 is connected to the user information D / B (12) having the user information of the various loan recommendation institution computer (2), the loan handling bank computer (4), the loan recommendation institution computer Recommendation contents input D / B 14 for a plurality of loan operators 30 inputted by (2) is connected, borrowing D / B 16 for borrowing details, and repayment D / B for repayment details (18), rental D / B 20, reception D / B 22, fee D / B 24, and message D / B 26, which will be described below, are connected.

In addition, the financial fund management server 6, the loan recommendation institution computer (2) and the loan handling bank computer (4) to log on to the Internet to perform the work, and from the loan recommendation institution computer (2), 30, if a recommendation is entered, the webmail server 8 is installed so that it can be immediately sent to the lender 30 by e-mail or text message.

Subsequently, the financial fund management institution computer 10 receives a loan or repayment message of funds from the financial fund management server 6 in real time, and authorizes a loan or repayment of a predetermined amount to the loan handling bank. Do it. Of course, the approval is performed directly by the person in charge. In addition, as a result of the approval it is possible to confirm that a certain amount of loan loan transfer to the loan handling bank, or that the repayment funds have been transferred to their financial fund management institutions. In addition, the interchanged message between the loan handling bank computer 4 and the financial fund management institution computer 10 is stored with the certificate in the message D / B 26, so that accountability is clarified in the event of a future problem.

Subsequently, the financial fund management server 6 may be further connected to at least one other financial fund management computer 28 that lends financial funds to the Internet, and the financial fund management server 6 may be connected to the other financial fund management computer. When (28) lends a financial fund, it also acts as a substitute for receiving and storing borrowed documents. At this time, the information on the rental is recorded in the rental D / B (20), the information on the reception is recorded in the reception D / B (22), and the fee for the rental and reception agency is a fee D / B (24) ) Is recorded.

Referring to FIG. 3A, a sequential explanatory diagram centering on borrowing and lending among financial fund management methods using the Internet according to the present invention is shown. Referring to FIG. 3B, recommended contents displayed on a computer screen by a loan recommendation agency An example of registration is shown. Referring to FIG. 3C, an example of referral of a recommendation company displayed on a computer screen by a loan recommendation agency is shown. Referring to FIG. 3D, an example of a loan application displayed on a computer screen by a borrowing bank is shown. It is.

As shown, the financial fund management method using the Internet according to the present invention includes determining whether to provide loan recommendation contents (S31), sending an e-mail or text message (S32), determining whether to apply for borrowing funds (S33), A fund borrowing application message output step S34, an approval determination step S35, a fund loan message output step S36, and a loan execution information providing step S37 are provided.

First, the step of determining whether to enter the loan recommendation content (S31) is a step in which the financial fund management server 6 determines whether the loan recommendation content of the specific loan company 30 is input by the loan recommendation institution computer 2. In this case, an example of inputting loan recommendation contents displayed on the screen of the loan recommendation institution computer 2 is as shown in FIG. 3B. Of course, as shown in Figure 3c, the loan recommendation institution computer 2 is also provided with a recommendation company inquiry screen. In addition, the loan recommendation contents are stored in the recommendation contents input D / B 14 of the financial fund management server 6.

The email or text message transmitting step (S32) is a step in which the financial fund management server 6 transmits an email or a text message to the loan company 30 when the recommendation is input to the financial fund management server 6. All. This step is of course performed by the webmail server 8.

The step of determining whether to borrow the money (S33) is a step of determining whether a loan application for loan to the lender 30 by the loan handling bank computer 4 has been delivered to the financial fund management server (6). . Thus, the application example of the borrowing of funds appearing on the screen of the loan handling bank computer 4 is as shown in Fig. 3D. Of course, this borrowing situation is stored in the borrowed D / B 16.

The fund borrowing application message output step (S34), when the loan application is made by the loan handling bank computer (4), by the financial fund management server 6 to apply for fund borrowing to the financial fund management institution computer (10) This step prints a message. Of course, this message is stored in message D / B 26.

The approval determination step (S35) is a step in which the financial fund management server 6 determines whether the financial fund management authority computer 10 has approved the loan application.

If the fund loan message output step (S36) is approved by the financial fund management institution computer 10, the financial fund management server 6 confirms this, and then the funds to the loan handling bank computer 4 This step prints a rental message. Of course, these messages are also stored in message D / B 26.

The loan execution information providing step (S37) is a step of providing the loan execution information to the loan recommendation institution computer 2 by the financial fund management server 6, the financial fund using the Internet in the same order as described above Among management methods, borrowing and lending are executed.

Referring to FIG. 4A, a sequential explanatory diagram centering on loan repayment among the financial fund management method using the Internet according to the present invention is shown. Referring to FIG. 4B, an example of a repayment application appearing on the screen of the borrowing bank computer is shown. have.

As shown, another financial fund management method using the Internet according to the present invention includes a redemption request determination step (S41), a redemption request message output step (S42), an approval status determination step (S43), and a redemption message output step (S44). Consists of

First, the repayment application determination step (S41) is a step in which the financial fund management server 6 determines whether the loan repayment application contents of the specific loan company 30 are input by the loan recommendation institution computer 2. At this time, an example of inputting loan repayment contents appearing on the screen of the loan recommendation institution computer 2 is shown in Fig. 4B. Further, the loan repayment details are stored in the repayment D / B 18 of the financial fund management server 6.

The repayment request message output step (S42) is a loan repayment request message to the financial fund management institution computer 10 by the financial fund management server 6, when the loan repayment application is made by the loan handling bank computer 4 This step is to output. Of course, this message is stored in message D / B 26.

The approval determination step (S43) is a step in which the financial fund management server 6 determines whether the financial fund management institution computer 10 has approved the loan repayment application.

The repayment message output step (S44), if approved by the financial fund management institution computer 10, the financial fund management server 6 confirms this, and then repays the loan to the loan handling bank computer (4) This step prints a message. Of course, these messages are also stored in message D / B 26.

5, there is shown a sequential explanatory diagram centering on the reception agency and the fund loan account storage agency by the other financial fund management institution computer 28 of the financial fund management method using the Internet according to the present invention.

As shown, another financial fund management method using the Internet according to the present invention includes a fund loan determination step (S51), a reception agency step (S52), and an account storage step (S53).

First, the step of determining whether to lend the funds (S51) is a step of determining whether there is a loan of funds from another financial fund management institution computer 28. In other words, the financial fund management institution computer 28 other than the original financial fund management institution computer 10 determines whether there is a loan of funds from an institution such as Small and Medium Business Corporation, Gas Corporation. Of course, the loans thus made are finally delivered to the lender 30.

The accepting agent step is a step in which the financial fund management server 6 acts to accept the loan of money when there is a loan of funds from the other financial fund management institution computer 28. This receipt record is stored in the reception D / B 22 together with the certificate.

The account storage step (S53) is a step of storing an account for the loan of money. That is, the financial fund management server 6 stores the loaned account on behalf of the other financial fund management institution computer 28. Of course, such reception and account management proceed with a predetermined fee, which is stored in the fee D / B 24.

As described above, the present invention has been described only in the above embodiments, but is not limited thereto and various modifications and changes may be made without departing from the scope and spirit of the present invention.

Therefore, according to the financial fund management system and method using the Internet according to the present invention, the loan recommendation institution can be automatically provided with loan execution information for the loan provider recommended by him, and the loan handling bank and financial fund management Banks have the effect of real-time mutual processing of borrowing, lending, lending and repayment of financial funds.

In addition, by accepting and keeping financial loans on behalf of at least one other financial fund management bank, there is an effect of creating a new revenue source by imposing a fee accordingly.

In addition, in order to finance the financial fund management, it is possible to improve the tasks such as notification of recommendation based on conventional documents, application and repayment of financial fund loans, etc., so that all documents are processed on the Internet as electronic documents instead of abolishing all documents. By reducing the hassle and time spent visiting the financial fund management agency, it is possible to enable the accurate and accurate execution of financial fund lending work.

Claims (5)

In the process of a loan recommendation agency receiving a loan recommendation application from a loan provider, After the loan recommendation application is reviewed, a recommendation is input through the Internet, at least one loan recommendation institution computer provided with loan execution information, and a loan and repayment application is received from the loan provider. At least one loan handling bank computer for filing or reimbursement; Transmitting an e-mail or a text message to the loan provider when the recommendation contents of the loan operator are input by the loan recommendation agency computer; A financial fund management server that determines whether the contents received from the loan recommendation institution computer and the loan or repayment application information of the loan operator received from the loan handling bank computer match, and outputs a loan or repayment message if they match; Determining whether a loan application has been made for a loan to a lender by the loan handling bank computer; if the loan application is made, outputting a request for borrowing money to a financial fund management computer; Determining whether there is an approval for the borrowing application, if there is the approval, outputting a money loan message to the loan handling bank computer, and providing loan execution information to the loan recommendation institution computer; The financial fund management system using the Internet, comprising a financial fund management institution computer that receives a loan or repayment message of the funds from the financial fund management server in real time, and loans or repays a certain amount to the loan handling bank. And the method. According to claim 1, wherein the financial fund management server, if the recommendation content for the loan provider from the loan recommendation institution computer, Webmail server is further installed, so that it can be sent to the loan provider by e-mail or text message Financial fund management system using the Internet and its method. The financial fund management server according to claim 1, wherein the financial fund management server includes user information D / B, recommendation content input D / B, borrowing D / B, repayment D / B, loan D / B, reception D / B, fee D / B, and the like. Financial fund management system and method using the Internet characterized in that the message D / B is connected. The method of claim 1, further comprising: determining whether there is an application for repayment by the loan handling bank computer, outputting a request for repayment to the financial fund management computer when there is an application for repayment, and approving the application for repayment. Determining whether there is a payment; and if there is the approval, outputting a repayment message to the loan handling bank computer. According to claim 1, wherein the financial fund management server is further connected to the Internet at least one or more other financial fund management computer, the financial fund management server is the financial fund management computer is loaned to the financial fund management computer Financial fund management system and method using the Internet, characterized in that for the reception and storage of borrowed documents for this.