KR20070007414A - System and method for operating information of real estate mortgage loan, server for operating information of real estate mortgage loan and recording medium - Google Patents

Abstract

A system, a method, and a server for operating real estate mortgage loan information, and a program recording medium thereof are provided to offer the real estate mortgage loan information to a customer terminal and/or communication tool by generating loan information available to a customer with real estate mortgage based on real estate/customer information inputted from the user terminal. The customer terminal(155) requests the real estate mortgage loan information. An interface(105) provides more than one webpage equipped with a real estate information input area and a customer information input area to the customer terminal, and receives the information through the webpage. An information checker(110) checks the received real estate/customer information. A loan information generating/extracting part(115) generates the real estate mortgage loan information available to the customer and/or extracts the information from a storage medium by using the checked information. A loan information provider(120) provides the generated and/or extracted real estate mortgage loan information to the customer terminal and/or communication tool.

Description

System and Method for Operating Information of Real Estate Mortgage Loan, Server for Operating Information of Real Estate Mortgage Loan and Recording Medium}

1 is a simple configuration diagram of a real estate security information management system according to a preferred embodiment of the present invention.

2 is an exemplary view of a web page including a real estate information input area and / or a customer provided information input area provided from an interface means to a customer terminal according to an exemplary embodiment of the present invention.

3 is an exemplary view of a web page including a real estate information input area provided from an interface means to a customer terminal according to an exemplary embodiment of the present invention.

4 is an exemplary view of a web page including a customer provided information input area provided from an interface means to a customer terminal according to one embodiment of the present invention.

5 is a diagram illustrating an embodiment of a web page including customer personal identification information input and / or selection area among customer provided information input and / or selection areas provided to the customer terminal from the interface means of the real estate security information management system.

FIG. 6 is a diagram illustrating an embodiment of a web page including customer characteristic information input and / or an area among customer provided information input and / or selection areas provided to the customer terminal from the interface means of the real estate security information management system.

FIG. 7 is a diagram illustrating an embodiment of a web page including input of customer provision information and / or input of loan condition information and / or selection of an area provided to the customer terminal from the interface means of the real estate loan information management system.

FIG. 8 is an embodiment of a web page including customer financial transaction information input and / or selection area among customer provided information input and / or areas provided to the customer terminal from the interface means of the real estate security information management system.

9 includes inputting and / or selecting a predetermined real estate escrow service-related information corresponding to the real estate subject to the security loan among customer input information input and / or areas provided to the customer terminal from the interface means of the real estate security information management system; It is also an embodiment of the web page.

FIG. 10 is a diagram illustrating a real estate rights analysis information database interlocked with loan information generation / extraction means and storing predetermined real estate rights analysis information corresponding to the mortgage target property according to an embodiment of the present invention.

FIG. 11 is a diagram of a real estate price information database interworking with loan information generation / extraction means and storing predetermined real estate price information corresponding to the mortgage target property according to an embodiment of the present invention.

12 is a view of a real estate mortgage loan product information database interoperating with loan information generation / extraction means and storing real estate mortgage loan product information corresponding to the real estate subject to the mortgage loan according to an embodiment of the present invention.

FIG. 13 is a diagram of a customer credit information database in which customer credit information corresponding to the mortgage loan request customer is stored in association with loan information generation / extraction means according to an embodiment of the present invention.

FIG. 14 is a diagram illustrating an escrow service related information database in which an escrow service related information corresponding to the mortgage lending target property is stored and interlocked with the loan information generating / extracting means according to an exemplary embodiment of the present invention.

15 is an exemplary view of a real estate security loan product information web page provided to a customer terminal and / or a customer-owned storage medium according to an exemplary embodiment of the present invention.

16 is a simplified functional configuration diagram of a real estate security information management device (or server) according to an embodiment of the present invention.

17 is a simple flowchart illustrating a process of operating real estate mortgage loan information according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: real estate mortgage information management system 105: interface means

110: information verification means 115: loan information generation / extraction means

120: loan information providing means 125: loan processing means

130: personal credit information management means 135: customer credit information DB

140: escrow service providing means 145: escrow service information DB

150: real estate rights analysis information DB 155: real estate price information DB

160: real estate mortgage product information DB 165: customer terminal

The present invention receives the real estate information and / or customer provided information entered through at least one web page provided with a real estate information input area and / or customer provided information input area provided to the customer terminal requesting real estate mortgage loan information, By using the received real estate information and customer provided information, at least one loan information (or loan product information) that can be provided to the customer as collateral for the real estate, and / or extracted from a predetermined storage medium, A method and system for real estate mortgage loan information for providing the at least one real estate mortgage loan information (or loan product information) generated and / or extracted to the customer terminal and / or the customer-owned communication medium.

Real estate mortgage loans provide the basic data necessary for checking and appraisal of owned property by submitting a certified copy of the real estate, a copy of resident registration, and a copy of the lease to a real estate mortgage lender such as a bank. Depending on the type, the bank may proceed with the process of obtaining loan approval from the bank through the estimation by the bank itself or through the appraisal of the appraisal institution.

As described above, in order to secure a mortgage, a customer needs to prepare and submit many kinds of related documents. For the customer, it takes a lot of time to prepare and submit the documents, and the cost for this is also considerable.

Recently, banks, etc., have launched a variety of real estate loan products for customers, but in order to find a real estate mortgage product that is suitable for you, you can consult with a specialist or apply for a real estate mortgage loan. There is an inconvenience to be aware of the contents one by one.

In addition, some banks provide real estate mortgage amounts using some factors (for example, real estate location, current quotes, rental information, etc.) for customer convenience, but they are somewhat less accurate or reliable. The disadvantage is that it is insufficient in value analysis or rights analysis.

An object of the present invention is derived to solve the above problems, at least one or more client terminal for requesting predetermined real estate mortgage loan information, real estate information input area and customer provided information input area provided to the customer terminal Interface means for providing a web page and receiving real estate information and customer providing information input through the at least one web page, and confirming the information confirming the received real estate information and customer providing information in association with the interface means; Means for generating at least one loan information (or loan product information) available to the customer by collateralizing the real estate, using the real estate information and the customer providing information identified through the information checking means, and / Or loan information generation / extraction means extracted from a predetermined storage medium; Loan information providing means for providing the at least one real estate collateral loan information (or loan product information) generated and / or extracted to the customer terminal and / or the customer-owned communication medium in association with the loan information generation / extraction means. To provide a real estate mortgage loan information operating system and a method for operating the real estate mortgage information using the same, characterized in that made.

In addition, another object of the present invention, in connection with the customer terminal requesting the predetermined real estate mortgage loan information, receives predetermined real estate information and customer provided information, by using the received real estate information and customer provided information, Generating at least one loan information (or loan product information) that can be provided to the customer as a mortgage, and / or extracting from a predetermined storage medium, and generating and / or extracting the at least one real estate mortgage information (Or loan product information) to the customer terminal and / or the customer-owned communication medium to provide a real estate mortgage loan information operating apparatus.

Real estate mortgage loan information operating method proposed in the present invention to achieve the above object, the real estate information input area and / or customer provided information input area is provided to the customer terminal requesting the predetermined real estate mortgage loan information from a predetermined interface means; An information receiving step of providing at least one web page and receiving real estate information and / or customer provided information input through the at least one web page, and in connection with the interface means in a predetermined information checking means, the receiving An information checking step of confirming the real estate information and the customer providing information, and using the real estate information and the customer providing information confirmed through the information checking means, the predetermined information generating / extracting means secures the real estate to the customer. At least one loan information (or loan product information) that can be provided The at least one real estate mortgage loan generated and / or extracted in association with the loan information generation / extraction means in a step of generating and / or extracting information from a predetermined storage medium and / or predetermined information providing means; And providing loan information for providing information (or loan product information) to the customer terminal and / or the customer-owned communication medium.

According to the present invention, the information receiving step, characterized in that further receiving a predetermined customer-owned communication medium information from the customer terminal.

Here, the customer-owned communication medium, characterized in that comprises at least one storage medium on the network corresponding to the landline telephone, wireless telephone, fax, email, messenger, the customer identification information.

According to the present invention, the loan information generation / extraction step may be performed in association with a storage medium (or storage medium operating means) for generating and / or storing predetermined real estate price information and / or rights information (or rights analysis information). The method may further include identifying predetermined real estate value information corresponding to the identified real estate information.

In addition, the loan information generation / extraction step, in connection with a storage medium (or storage medium operating means) for storing at least one or more real estate mortgage loan product information corresponding to at least one or more real estate value information, the identified real estate value The method may further include extracting and / or generating at least one real estate mortgage loan product information corresponding to the information.

In the loan information generation / extraction step, when the real estate information includes predetermined real estate type information, a storage medium (or storage medium operating means) for storing at least one real estate collateral loan product information corresponding to each real estate type; And extracting and / or generating at least one real estate collateral loan product information corresponding to the identified real estate type information.

The loan information generation / extraction step may include extracting and / or generating at least one real estate mortgage loan product information corresponding to at least one or more pieces of information included in the customer provision information provided by the real estate mortgage requesting customer. It can be configured to further include.

In addition, the loan information generation / extraction step, a storage medium (or storage) for storing at least one real estate mortgage loan product information corresponding to at least one or more information included in the customer provided information provided by the real estate mortgage loan request customer And extracting and / or generating at least one real estate collateral loan product information corresponding to at least one or more information included in the customer provided information.

In addition, the loan information generation / extraction step, when the customer provided information provided by the real estate mortgage loan request customer includes customer authentication information and / or customer identification information and / or customer personal information, predetermined personal credit information And identifying predetermined customer credit information corresponding to the customer authentication information and / or customer identification information and / or customer personal information in association with a storage medium (or storage medium operating means) for storing and managing the data. Can be configured.

The loan information generation / extraction step may include at least one of the loan information corresponding to the customer credit information in association with a storage medium (or a storage medium operating means) that stores at least one real estate security loan product information corresponding to the customer credit information. The method may further include extracting and / or generating the real estate security loan product information.

In addition, the loan information generation / extraction step, the customer provided information provided by the real estate mortgage loan request customer, customer dependent family information, customer past housing history information, customer employment information, customer income deduction eligibility information and A storage medium (or storage) for storing at least one real estate mortgage loan information corresponding to the at least one customer characteristic information when the customer income information and at least one customer characteristic information including at least one customer national pension payment information is included; And extracting and / or generating at least one real estate security loan product information corresponding to the customer characteristic information.

In addition, the loan information generation / extraction step may include loan condition information including at least one loan application amount information, loan amount repayment period information, and appropriate interest rate information in the customer provision information provided by the real estate mortgage loan requesting customer. When included, at least one real estate loan in accordance with the loan condition information in connection with a storage medium (or storage medium operating means) for storing at least one real estate mortgage loan product information corresponding to the at least one loan condition information The method may further include extracting and / or generating product information.

The loan information generation / extraction step may include at least one financial transaction customer information including at least one customer financial transaction information, a customer financial account information, and a customer payment means information in the customer provision information provided by the real estate mortgage loan request customer. Is included, at least one or more items matching the financial transaction customer information in association with a storage medium (or storage medium operating means) storing at least one real estate mortgage loan product information corresponding to the at least one financial transaction customer information. The method may further include extracting and / or generating real estate security loan product information.

In addition, the loan information generation / extraction step, when the customer-provided information provided by the real estate mortgage loan request customer includes a predetermined real estate sales escrow service-related information corresponding to the real estate, linked with the real estate sales escrow service providing means The method may further include extracting and / or generating at least one real estate security loan product information.

Here, the real estate sale escrow service related information may include at least one of the real estate buyer identification information, the real estate buyer authentication information, and the real estate buyer member ID / password information.

According to the present invention, the providing of the loan information may include sorting the at least one real estate security loan information (or loan product information) by at least one loan condition (loan limit, loan period, loan repayment condition, loan interest rate, etc.). (Sorting) can be configured to further include.

The loan information providing step may further include reading any one of the at least one real estate mortgage loan information (or loan product information) that meets the customer condition. It can be configured to include.

In addition, the real estate mortgage loan information operating method according to the present invention after receiving the real estate mortgage loan information (or loan product information) from the customer terminal or a customer communication medium, and applies for real estate mortgage loan, processing the loan process It may be made to include more.

Here, the loan processing step, it may be configured to further include the step of converting the balance required for the purchase of the real estate of the customer to the loan.

According to the present invention, the real estate information, the type of mortgage target real estate information (for example, apartment, mall apartment, residential officetel, detached house, townhouse, multi-family house, etc.), mortgage loan target real estate address information, mortgage loan target And at least one real estate current market price information, room number information of the real estate subject to mortgage lending, rent (chartered rent, etc.) information of the real estate subject to mortgage loan, and at least one or more mortgage-setting rights information of the mortgage loan real estate.

The customer provision information may include real estate buyer identification information, real estate buyer authentication information, real estate buyer escrow service related information including at least one real estate buyer member ID / password information, customer authentication information, customer Identification information, customer personal information, customer dependents information, customer past housing history information, customer employment information, customer income deduction eligibility information, customer income information, customer pension payment information, loan application amount The information may include at least one information, loan repayment period information, appropriate interest rate information, customer financial transaction information, customer financial account information, and customer payment method information.

In addition, the real estate mortgage loan information (or loan product information), at least one or more properties information, loanable amount information, loan amount repayment period and condition information, loan interest rate information at least one or more real estate mortgage loan products that can be provided to the customer It may include.

In addition, the customer terminal, wired terminal, wireless terminal, ATM, KIOSK, may include at least one or more home appliances equipped with a communication function.

 In addition, the present invention is characterized in that it comprises a recording medium recording a computer-readable program for executing the above-described real estate mortgage information operating method.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

Accordingly, the technical spirit of the present invention is determined by the claims, and the following embodiments are merely means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. Reveal that

1 is a simplified block diagram of a real estate security information management system 100 according to a preferred embodiment of the present invention.

Preferably, the illustrated real estate mortgage information management system 100 is implemented at least one or more functional means (for example, interface means 105, information verification means 110, loan information generation / extraction means 115 to implement the present invention) ), Loan information providing means 120, loan processing means 125, etc., wherein each of the functional means is the real estate mortgage loan information operating system 100 according to the judgment of those skilled in the art in the process of the present invention is implemented. It may be implemented as a server (or device) for performing each function on the () or integrated into one server (or device) having a functional component or module for performing each function.

In addition, referring to FIG. 1, at least one or more information stored, and / or requested, and / or generated during a real estate transaction payment processing is performed through the real estate mortgage loan information operating system 100. Although the storage means (for example, database or DB server) is shown in connection with each means for managing the information, this is only according to one implementation method to more clearly describe the flow and management of each information, According to an embodiment, at least one or more pieces of information stored in storage means associated with each of the illustrated functional means are configured to be integrated into one storage medium to provide optimal interoperability with each of the functional means, and / or to manage relational database. It can be configured as a system (RDBMS; Relationship Database Management System).

Preferably, each of the functional means provided in the real estate mortgage loan information management system 100 is provided in a real estate transaction-related relay agency, and / or in a real estate transaction-related bank, and / or in a real estate transaction-related insurance company And / or a real estate transaction related mobile carrier, and / or a real estate transaction related institution.

Referring to Figure 1, the preferred real estate mortgage information management system 100 according to the present invention, the interface means 105, information confirmation means 110, loan information generation / extraction means 115, loan information providing means ( 120 and the loan processing means 125 may be configured.

The interface means 105 provides at least one web page including a real estate information input area and a customer provided information input area to the customer terminal 165 requesting predetermined real estate mortgage loan information, and the at least one web page. Characterized in that the real estate information and customer provided information received through.

In addition, the interface means 105 may further receive predetermined customer-owned communication medium information from the customer terminal 165, the customer-owned communication medium, wired telephone, wireless telephone, FAX, email, messenger, At least one storage medium on a network corresponding to the customer identification information may be included.

According to the present invention, the customer terminal 165 for requesting predetermined real estate mortgage loan information and transmitting predetermined real estate information and customer provided information to the interface means 105 is a wired terminal, a wireless terminal, an ATM, a KIOSK. At least one home appliance having a communication function is preferably included.

In addition, the real estate information provided from the customer terminal 165 to the interface means 105 includes real estate type information (for example, apartments, mall apartments, residential officetels, detached houses, tenement houses, multi-family houses, etc.), and real estate addresses. Information and the like.

In addition, the customer providing information provided from the customer terminal 165 to the interface means 105 may include at least one or more customer authentication information and / or customer identification information and / or customer personal information.

The customer provision information may include at least one customer dependent family information, customer past housing history information, customer employment information, customer income deduction eligibility information, customer income information, and customer national pension payment information. May include customer characteristic information.

The customer provision information may include loan application amount information, loan amount repayment period information, and loan condition information including at least one or more appropriate interest rate information.

The customer providing information may include financial transaction customer information including at least one customer financial transaction information, customer financial account information, and customer payment means information.

The customer provision information may include information related to a predetermined real estate transaction escrow service corresponding to the real estate in the customer provision information provided by the real estate mortgage loan request customer.

Herein, the real estate sales escrow service related information may include at least one of the real estate buyer identification information, the real estate buyer authentication information, and the real estate buyer member ID / password information.

The information checking means 110 checks the real estate information and the customer providing information received from the customer terminal 165 in connection with the interface means 105.

The loan information generating / extracting means 115 may use the real estate information and the customer providing information confirmed through the information checking means 110 to provide at least one loan information (or the loan) that may be provided to the customer as the collateral for the real estate. Loan product information), and / or extracted from a predetermined storage medium.

In addition, the loan information generation / extraction means 115, the storage medium (150, 155) (or storage medium operating means for generating and / or storing predetermined real estate price information and / or rights information (or rights analysis information)) In conjunction with the), it is characterized in that the predetermined real estate value information corresponding to the real estate information confirmed through the information checking means 110 is confirmed.

In addition, the loan information generation / extraction means 115, in connection with the storage medium 160 (or storage medium operating means) for storing at least one or more real estate mortgage loan product information corresponding to the at least one or more real estate value information, And extracting and / or generating at least one real estate collateral loan product information corresponding to the identified real estate value information.

In particular, the loan information generating / extracting means 115 corresponds to each type of real estate when the real estate information provided from the customer terminal 165 through the interface means 105 includes predetermined real estate type information. Extract and / or extract at least one real estate mortgage loan product information corresponding to the identified real estate type information in association with the storage medium 160 (or storage medium operating means) storing at least one real estate mortgage product information; Can be generated.

Preferably, the loan information generating / extracting means 115 extracts and / or extracts at least one real estate mortgage loan product information corresponding to at least one or more pieces of information included in the customer provision information provided by the real estate mortgage requesting customer. Or can be generated.

Preferably, the loan information generation / extraction means 115 stores at least one real estate mortgage loan product information corresponding to at least one or more pieces of information included in the customer provision information provided by the real estate mortgage requesting customer. In connection with a medium (or storage medium operating means), at least one real estate mortgage loan product information corresponding to at least one or more information included in the customer provided information may be extracted and / or generated.

Preferably, the loan information generation / extraction means 115, when the customer provided information provided by the real estate mortgage loan request customer includes customer authentication information and / or customer identification information and / or customer personal information, A customer who confirms predetermined customer credit information corresponding to the customer authentication information and / or customer identification information and / or customer personal information in association with a storage medium (or a storage medium operating means) for storing and managing personal credit information of the customer. It is characterized in that it is associated with or include credit information verification (management) means 130.

Here, the loan information generation / extraction means 115, in connection with the storage medium 160 (or storage medium operating means) for storing at least one or more real estate mortgage loan product information corresponding to the customer credit information, And extracting and / or generating at least one real estate security loan product information corresponding to the customer credit information.

Preferably, the loan information generation / extraction means 115, the customer provided information provided by the real estate mortgage loan request customer, customer dependent family information, customer past housing history information, customer employment information, customer income deduction Storing at least one real estate mortgage loan product information corresponding to at least one customer characteristic information, when the customer characteristic information including at least one of eligibility information, customer income information, and customer national pension payment information is included; In connection with the medium 160 (or storage medium operating means), at least one real estate mortgage loan product information corresponding to the customer characteristic information is extracted and / or generated.

Preferably, the loan information generating / extracting means 115 includes at least one or more loan application price information, loan amount repayment period information, and appropriate interest rate information in the customer provided information provided by the real estate mortgage loan request customer. When the loan condition information is included, the loan condition information is matched with the storage medium 160 (or storage medium operating means) for storing at least one real estate mortgage loan product information corresponding to the at least one loan condition information. And extracting and / or generating at least one real estate security loan product information.

Preferably, the loan information generation / extraction means 115 includes at least one customer financial transaction information, customer financial account information, and customer payment means information in the customer provision information provided by the real estate mortgage loan request customer. When the financial transaction customer information is included, the financial transaction customer in association with the storage medium 160 (or storage medium operating means) for storing at least one real estate mortgage loan product information corresponding to at least one financial transaction customer information. And extracting and / or generating at least one real estate mortgage loan product information corresponding to the information.

Preferably, the loan information generating / extracting means 115, if the customer provided information provided by the real estate mortgage loan request customer includes a predetermined real estate sales escrow service related information, real estate sales escrow service In connection with the providing means 140, it is characterized in that the extraction and / or generation of at least one real estate mortgage loan product information.

Referring to Figure 1, the loan information providing means 120, in connection with the loan information generation / extraction means 115, the at least one real estate mortgage loan information (or loan product information) generated and / or extracted It is characterized in that to provide to the customer terminal 165 and / or the customer-owned communication medium.

In addition, the loan information providing unit 120 sorts the at least one real estate mortgage loan information (or loan product information) by at least one loan condition (loan limit, loan period, loan repayment condition, loan interest rate, etc.) After that, the customer terminal 165 and / or characterized in that provided to the customer-owned communication medium.

In addition, the loan information providing unit 120 reads any one of the at least one real estate mortgage loan information (or loan product information) that meets the customer conditions after the real estate mortgage loan information (or loan product information) The real estate security loan information (or loan product information) read out may be provided to the customer terminal 165 and / or the customer-owned communication medium.

According to the present invention, the loan information providing means 120 may consist of a single server (or device) or may consist of a plurality of servers (or devices).

Loan processing means 125, after receiving the real estate mortgage loan information (or loan product information) from the customer terminal 165 or a customer communication medium, and applies for real estate mortgage loan, characterized in that it processes.

In particular, the loan processing means 125, characterized in that for processing by converting the balance required for the purchase of the real estate of the customer to the loan.

Referring to FIG. 1, the illustrated real estate collateral loan information operating system 100 is interlocked with the personal credit information managing means 130 and the escrow service providing means 140 or the personal credit information managing means 130. And, it may be configured to include an escrow service providing means 140.

The personal credit information management means 130 is interlocked with the customer credit information database 135, and the loan information generation / extraction means stores the customer authentication information and / or customer identification information and / or customer personal information provided from the customer terminal. On the basis of generating or extracting the real estate mortgage loan information and / or the real estate mortgage loan product information corresponding to the customer credit rating information, the customer credit degree corresponding to the customer authentication information and / or the customer identification information and / or the customer personal information And provide information to the loan information generation / extraction means.

Escrow service providing means 140, the loan information generation / extraction means 115, the predetermined real estate sales escrow service related information corresponding to the real estate to the customer provided information provided from the customer terminal (for example, the real estate buyer identification information And, if the real estate buyer authentication information and the real estate buyer member ID / password information, etc.) are included, authenticating the provided real estate sales escrow service related information, and / or the real estate sales escrow service related information. Provided to the generation / extraction means 115, so that the loan information generation / extraction means 115 to extract and / or generate at least one real estate mortgage loan product information corresponding to the real estate sale escrow service related information.

Preferably, each of the functional means provided in the real estate mortgage information management system 100 according to the one embodiment shown in Figure 1, consists of a single server (or device), or at least two or more servers (or Device) can be configured to be divided.

In addition, the real estate mortgage information management system 100 may be composed of a single server (or device), or may be composed of at least two or more servers (or devices).

2 to 9 described below, according to the present invention, the real estate information input area A provided by the at least one functional means shown in FIG. 1 to the at least one customer terminal 165 requesting a mortgage loan. And / or a web page embodiment drawing including a customer-provided information input area B. In order to more clearly describe the information input and / or selected in each information input area, FIG. 4 to 9 will be described in more detail by showing a web page provided with customer information input (B).

In addition, the real estate information and / or customer provided information input and / or selected from the customer terminal 165 through the drawings to be described below are characteristics of each information (eg, real estate information, customer personal identification information, customer characteristic information, loan). Condition information, financial transaction condition information, escrow service related information, etc.), but each of the information described can be modified and / or added and / or deleted in the implementation process of those skilled in the art.

2 is an exemplary web page including a real estate information input area A and / or a customer provided information input area B provided from the interface means 105 to the customer terminal 165 according to an embodiment of the present invention. to be.

2 shows a real estate mortgage loan to a real estate mortgage loan information operating system 100 according to the present invention through a predetermined terminal (eg, a wired terminal, a wireless terminal, an ATM, a kiosk, a home appliance equipped with a communication function, etc.). In the request process, input the real estate mortgage target property and / or customer information of the customer provided to the customer terminal 165 from the interface means 105 provided in the real estate mortgage loan information management system 100 And / or an exemplary diagram of a web page having a predetermined input and / or selection area A, B for enabling selection.

3 is an exemplary view of a web page including a real estate information input area provided from the interface means 105 to the customer terminal 165 according to an embodiment of the present invention.

3 is an embodiment of a web page provided with the real estate information and / or selection area A of the real estate mortgage target of the customer on the example web page of FIG. 2 described above. Alternatively, the selected mortgage-targeted real estate information includes mortgage-targeted real estate type information (eg, apartments, mall apartments, residential officetels, single-family homes, townhouses, multi-family homes, etc.), mortgage-targeted real estate address information, and collaterals. It may include at least one or more current market information of the property subject to loan, information on the number of rooms of the property subject to mortgage loan, information on the lease (rental rent, rent, etc.) of the property subject to mortgage loan, and at least one or more mortgage-setting information about the mortgage loan property. .

Preferably, the real estate information input and / or selected through FIG. 3 and provided to the real estate loan information management system 100 may be generated / extracted from the loan information provided in the real estate loan information management system 100. Storage medium for generating and / or storing storage medium 155 (or storage medium operating means) and / or rights information (or rights analysis information) for means 115 generating and / or storing predetermined property price information) (150) (or a storage medium operating means) characterized in that the basis for confirming the value information of the real estate subject to the security loan.

In addition, the real estate information provided to the real estate mortgage loan information management system 100, the storage medium in which the loan information generation / extraction means 115 stores at least one real estate security loan product information corresponding to each type of real estate In connection with the 160 (or the storage medium operating means), it is characterized in that the basis for extracting and / or generating at least one real estate mortgage loan product information corresponding to the property information subject to the mortgage loan.

4 is an exemplary web page including a customer-provided information input area B provided from the interface means 105 to the customer terminal 165 according to an embodiment of the present invention.

4 is an example of a web page provided with the real estate mortgage-targeted customer-provided customer input information and / or the selection area B on the example web page of FIG. 2 described above, and input and / or through the web page. The selected customer provision information includes customer personal identification information (B-1), customer characteristic information (B-2), customer loan condition information (B-3), financial transaction customer information (B-4), And at least one real estate escrow service related information (B-5) corresponding to the real estate subject to the security loan.

Preferably, the loan information generating / extracting means 115 refers to at least one customer-provided information input and / or selected through the web page, and at least one real estate security loan product corresponding to the customer-provided information, respectively. Information can be extracted and / or generated.

5 to 9 are exemplary diagrams of web pages in which the customer-provided information input area B illustrated in FIG. 4 is subdivided and included according to an exemplary embodiment of the present invention.

5 is input and / or selection of customer personal identification information among customer provided information input and / or selection areas B provided from the interface means 105 of the real estate security information management system 100 to the customer terminal 165. One embodiment of the web page including the area B-1 is shown.

Referring to FIG. 5, the customer personal identification information input area B-1 on the illustrated web page includes at least one of customer authentication information and / or customer identification information and / or customer personal information of the real estate mortgage loan request customer. And at least one customer input and / or selected through a webpage provided with the customer personal identification information input area B-1 and provided to the real estate mortgage loan information operating system 100. The personal identification information is linked to a storage medium (or storage medium operating means) in which the loan information generating / extracting means 115 stores and manages predetermined personal credit information, and the customer authentication information and / or customer identification information and And / or provide a basis for identifying predetermined customer credit information corresponding to the customer personal information.

Here, the loan information generation / extraction means 115, storage medium 160 (or storage medium operation) for storing at least one real estate mortgage loan product information corresponding to the customer credit information confirmed according to the customer personal identification information Means for extracting and / or generating at least one real estate mortgage loan product information corresponding to the customer credit information.

FIG. 6 shows the input and / or the area of customer characteristic information among the customer provided information input and / or selection area B provided from the interface means 105 of the real estate security information management system 100 to the customer terminal 165. B-2) is an embodiment of a web page that includes.

Referring to FIG. 6, the customer characteristic information input area B-2 on the illustrated web page includes at least one customer characteristic information of the real estate mortgage requesting customer.

Preferably, the customer characteristic information, dependent family information of the real estate mortgage loan request customer, customer past housing history information, customer employment information, customer income deduction eligibility information, customer income information, customer national pension payment It may include at least one information.

Further, the customer characteristic information input and / or selected through the web page shown in FIG. 6 may correspond to the at least one customer characteristic information described above by the loan information generation / extraction means 115 according to the present invention. In connection with the storage medium 160 (or storage medium operating means) for storing at least one real estate loan product information, to extract and / or generate at least one property security loan product information corresponding to the customer characteristic information It is characterized by providing a basis.

7 shows loan condition information input and / or selection area among customer provided information input and / or area B provided from the interface means 105 of the real estate mortgage loan information operating system 100 to the customer terminal 165. B-3) is an embodiment of a web page that includes.

Referring to FIG. 7, the loan condition information input area B-3 on the illustrated web page includes at least one loan condition information of the real estate mortgage loan request customer. It may include at least one or more loan application amount information, loan amount repayment period information, and appropriate interest rate information of the customer.

In particular, the loan condition information of the real estate mortgage loan request customer, the storage medium 160, the loan information generation / extracting means 115 stores at least one real estate mortgage loan product information corresponding to at least one or more loan condition information; (Or storage medium operating means), characterized in that the basis for extracting and / or generating at least one real estate mortgage loan product information meeting the loan condition information.

FIG. 8 shows customer financial transaction information input and / or selection area among customer provided information input and / or area B provided from the interface means 105 of the real estate security information management system 100 to the customer terminal 165. (B-4) is one embodiment of a web page that includes.

At least one of the customer's financial transaction information, the customer's financial account information, and the customer's payment means information through the web page including the customer financial transaction information input and / or selection area (B-4) shown in FIG. The financial transaction customer information including the above may be input and / or selected.

In addition, the loan information generation / extraction means 115 using the customer financial transaction information input and / or selected through a web page including the illustrated customer financial transaction information input and / or selection area B-4. At least one real estate corresponding to the financial transaction customer information in association with the storage medium 160 (or storage medium operating means) storing at least one real estate mortgage loan product information corresponding to the at least one financial transaction customer information. Mortgage loan product information may be extracted and / or generated.

FIG. 9 is a diagram of a predetermined portion corresponding to the property subject to mortgage loan among customer provided information input and / or area B provided from the interface means 105 of the real estate mortgage loan information operating system 100 to the customer terminal 165. The embodiment of the web page including the information input and / or selection area (B-5) related to the real estate escrow service.

According to FIG. 9, the real estate buyer identification information, the real estate buyer authentication information, and the real estate buyer member ID through a web page including the real estate escrow service related information input and / or selection area (B-5) shown in FIG. Real estate escrow service related information including at least one / password information may be input and / or selected.

According to the present invention, the loan information generating / extracting means 115 refers to the real estate escrow service related information input and / or selected through the illustrated web page, and is linked with at least the real estate trading escrow service providing means 140, at least. One or more real estate collateral loan product information may be extracted and / or generated.

10 to 14 described below are stored in each storage means associated with at least one or more functional means shown in FIG. 1 according to the present invention (which may be a database or a server, but are referred to as a database for convenience). It is about stored information.

10 is linked to the loan information generation / extraction means 115 according to an embodiment of the present invention, the real estate rights analysis information database 150 in which predetermined real estate rights analysis information corresponding to the mortgage target property is stored; Related drawings.

Preferably, as the real estate right analysis information stored in the illustrated real estate rights analysis information database 150, the rights information on the real estate register register for the transaction target real estate, the right setting date information, the right setting amount information, Information on the number of households or stores rented or leased on real estate, total information on rented households or stores, land register information, building book information, land use plan information, published land price information, register analysis information, and occupancy relation information. At least one or more may be included.

In particular, the real estate rights analysis information database 150, in conjunction with the loan information generation / extracting means 115 shown in Figure 1 to the input and / or selected the mortgage target real estate information from the customer terminal 165 It is characterized in that the corresponding predetermined right analysis information is provided.

11 is a diagram of a real estate price information database 155 interlocked with loan information generation / extraction means 115 and storing predetermined real estate price information corresponding to the mortgage-targeted real estate according to an embodiment of the present invention. to be.

The real estate price information stored in the real estate price information database 155 described with reference to FIG. 11 includes the real estate information to be secured by the loan information generation / extraction unit 115 and / or selected from the customer terminal 165. Corresponding to, characterized in that it comprises the price information (eg, the lower limit, the upper limit) of the real estate subject to the security loan.

Referring to FIG. 11, although the illustrated real estate price information is shown classified by the real estate region, it may be provided that the real estate price information may be classified and provided by apartment equilibrium, station area, and price range.

12 is linked to the loan information generation / extraction means 115 according to an embodiment of the present invention, the real estate mortgage loan product information database 160 for storing real estate mortgage product information corresponding to the real estate subject to the mortgage loan is stored Related drawings.

The real estate mortgage loan product information shown in FIG. 12 may include the mortgage loan price information, and / or the type of the mortgage loan property, and / or the credit information of the mortgage loan request customer, and / or the specific of the mortgage loan request customer. And at least one of information, and / or financial transaction information of the mortgage requesting customer, and / or escrow service related information of the mortgage requesting customer.

In particular, according to the present invention, the loan information generation / extraction means 115, at least one or more information included in the mortgage target real estate information and / or customer provided information input and / or selected from the customer terminal 165 In accordance with the real estate mortgage loan product information database 160 shown in accordance with characterized in that the extraction and / or generation of the corresponding real estate loan product.

FIG. 13 is a diagram of a customer credit information database 135 interoperating with loan information generation / extraction means 115, in which customer credit information corresponding to the mortgage loan request customer is stored.

In the customer credit information database 135 shown in FIG. 13, customer authentication information and / or customer identification information and / or customer personal information of the real estate security loan request customer are input and / or selected from the customer terminal 165. In this case, the loan information generation / extraction means 115 is a database required for confirming predetermined customer credit information corresponding to the input and / or selected customer authentication information and / or customer identification information and / or customer personal information. .

14 is a diagram of an escrow service related information database 145 interworking with the loan information generating / extracting means 115 and storing escrow service related information corresponding to the mortgage target property according to an embodiment of the present invention. to be.

Referring to FIG. 14, an escrow service related information database 145 includes at least one of the real estate buyer identification information, the real estate buyer authentication information, the real estate buyer member ID / password information, and the mortgage subject real estate transaction information. It is characterized by including the above.

Particularly, the mortgage loan real estate transaction information included in the escrow service related information database 145 includes real estate transaction payment date and payment amount information including a target real estate information, a down payment, a middle payment, a balance, and a real estate contract. Real estate transaction contract information including at least one piece of content information, real estate seller information, real estate buyer information, real estate broker information, and specialty information, a predetermined real estate transaction related insurance contract information, a predetermined real estate transaction fee, And / or at least one tax payment related information and the real estate registration transfer related information.

15 is an exemplary view of a real estate mortgage loan product information web page provided to a customer terminal 165 and / or a customer-owned storage medium according to an exemplary embodiment of the present invention.

FIG. 15 is a real estate mortgage loan information operating apparatus (or server) according to the present invention. When predetermined real estate information and customer providing information are provided as shown in FIGS. Is an example of a web page that is generated and / or extracted real estate collateral loan product information is output.

Preferably, the real estate security loan product information output through the illustrated web page may be provided by sorting by at least one loan condition (loan limit, loan period, loan repayment conditions, loan interest rate, etc.) factors.

16 is a simplified functional block diagram of a real estate mortgage loan information operating apparatus (or server) 1600 according to an embodiment of the present invention.

The real estate mortgage loan information operating device (or server) 1600 shown in FIG. 16 receives the real estate information and the customer provision information from the customer terminal 165 requesting the real estate mortgage loan information, and receives the received real estate information. Using real estate information and customer provided information, at least one loan information (or loan product information) that can be provided to the customer as collateral for the real estate, and / or extracted from a predetermined storage medium, and generated and / or Alternatively, the extracted at least one real estate mortgage loan information (or loan product information) may be provided to the customer terminal 165 and / or the customer-owned communication medium.

To this end, referring to FIG. 16, the real estate collateral loan information operating device (or server) 1600 includes an interface unit 1605, a loan information generation / extraction unit 1610, and a loan information providing unit 1615. And / or loan processing unit 1620 may be configured.

Preferably, the interface unit 1605 may be configured to receive predetermined real estate information and customer provision information in connection with the customer terminal 165 requesting predetermined real estate mortgage loan information.

In particular, the interface unit 1605 may include, as the customer terminal 165, at least one or more web pages including the real estate information input area A and the customer provided information input area B of FIGS. 2 to 9 described above. Can provide.

Preferably, the loan information generation / extraction unit 1610 may use the real estate information and the customer providing information received through the interface unit 1605 to provide at least one loan information that may be provided to the customer as the security of the real estate ( Or loan product information), and / or extracted from a predetermined storage medium 160.

For example, predetermined real estate sales escrow service-related information (eg, the real estate buyer identification information, the real estate buyer authentication information, and the real estate buyer) corresponding to the real estate in the customer provision information provided by the real estate mortgage loan request customer. Member ID / password information, etc.), the loan information generation / extraction unit 1610 extracts and / or at least one real estate mortgage loan product information in connection with the real estate transaction escrow service providing unit 140. Can be generated.

In another example, the loan information generation / extraction unit 1610 may be connected with a storage medium (or storage medium operating means) for generating and / or storing predetermined real estate price information and / or rights information (or rights analysis information). And predetermined real estate value information corresponding to the real estate information, and the loan information generation / extraction unit 1610 stores at least one real estate collateral loan product information corresponding to at least one real estate value information. In connection with the storage medium 160 (or storage medium operating means), at least one real estate collateral loan product information corresponding to the identified real estate value information may be extracted and / or generated.

As another example, when the real estate information received through the interface unit 1605 includes predetermined real estate type information, the loan information generation / extraction unit 1610 may include at least one real estate corresponding to each real estate type. In connection with the storage medium 160 (or storage medium operating means) for storing the security loan product information, at least one real estate security loan product information corresponding to the identified real estate type information may be extracted and / or generated. have.

Preferably, the loan information generating / extracting unit 1610 extracts and / or extracts at least one real estate mortgage loan product information corresponding to at least one or more pieces of information included in the customer provision information provided by the real estate mortgage requesting customer. Or to generate.

The loan information generation / extraction unit 1610 may store at least one real estate mortgage loan product information corresponding to at least one or more pieces of information included in the customer provision information provided by the real estate mortgage loan requesting customer. And in connection with 160 (or storage medium operating means), extracting and / or generating at least one real estate mortgage loan product information corresponding to at least one or more information included in the customer provided information. .

For example, when the customer provision information provided by the real estate mortgage loan request customer includes customer authentication information and / or customer identification information and / or customer personal information, the loan information generation / extraction unit may include predetermined personal credit information. In connection with a storage medium (or a storage medium operating means) for storing and managing the data, the predetermined customer credit information corresponding to the customer authentication information and / or the customer identification information and / or the customer personal information may be confirmed. Extract and / or generate at least one real estate loan product information corresponding to the customer credit information in association with a storage medium (or storage medium operating means) storing at least one real estate loan product information corresponding to the credit information. can do.

Preferably, the loan information providing unit 1615, the loan information generation / extraction unit 1610 and the at least one real estate mortgage loan information (or loan product information) generated and / or extracted as shown in Figure 15 The customer terminal 165 and / or the customer-owned communication medium, characterized in that provided.

For example, the loan information providing unit 1615 may include the at least one real estate mortgage loan information (or loan product information) by at least one loan condition (loan limit, loan period, loan repayment condition, loan interest rate, etc.) by a factor. After sorting, it may be provided to the customer terminal 165 and / or the customer-owned communication medium.

As another example, the loan information providing unit 1615 reads any one of the at least one real estate mortgage loan information (or loan product information) that meets the customer condition, the real estate mortgage loan information (or loan product information). After the shipment, the read real estate loan information (or loan product information) may be provided to the customer terminal 165 and / or the customer-owned communication medium.

Preferably, the illustrated real estate loan information management device (or server) 1600, after receiving the real estate loan information (or loan product information) from the customer terminal 165 or a customer communication medium, real estate mortgage loan When applying for, it can be configured to further include a loan processing unit 1620 to process this.

In particular, the loan processing unit 1620 may convert the balance required to purchase the real estate of the customer into the loan.

Preferably, the real estate mortgage loan information operating device (or server) 1600 is characterized by consisting of a single device (or server), or at least two or more devices (or servers).

In addition, the real estate information, the type of real estate subject to mortgage lending (for example, apartments, mall apartments, residential officetels, detached houses, townhouses, multi-family housing, etc.), the real estate address to be secured loans, the current market value of mortgage loans The information may include at least one of information on the number of rooms of the property subject to mortgage lending, information on lease of the property subject to mortgage loan (rental rent, monthly rent, etc.), and information on setting up a mortgage for the mortgage loan real estate.

The customer provision information may include real estate buyer identification information, real estate buyer authentication information, real estate buyer escrow service related information including at least one real estate buyer member ID / password information, customer authentication information, and Customer Identification Information, Customer Personal Information, Customer Dependent Family Information, Customer Pastoral History Information, Customer Service Information, Customer Income Deduction Eligibility Information, Customer Income Information, Customer National Pension Payment Information, Loan Application At least one or more amount information, loan amount repayment period information, appropriate interest rate information, customer financial transaction information, customer financial account information, customer payment method information.

In addition, the real estate mortgage loan information (or loan product information), at least one or more properties information, loanable amount information, loan amount repayment period and condition information, loan interest rate information at least one or more real estate mortgage loan products that can be provided to the customer It can be made, including.

Preferably, the real estate mortgage loan information operating apparatus (or server) 1600 is characterized in that it comprises a recording medium recording a computer-readable program for executing the functions of the at least one device component described above.

17 is a simple flowchart of a real estate mortgage loan information operating process according to an embodiment of the present invention.

17 illustrates predetermined real estate mortgage information suitable for the customer based on the mortgage target property information and / or real estate mortgage request customer providing information input and / or selected from the customer terminal 165 according to the present invention; And / or an embodiment of a process of generating and / or extracting real estate mortgage product information and providing the same to the customer.

Referring to FIG. 17, the illustrated embodiment may be started from a process in which a real estate mortgage request customer accesses the real estate loan information operating apparatus (or server) 1600 shown in FIG. 16 through a predetermined terminal. (1700).

When the real estate loan request customer terminal 165 accesses and requests real estate security loan information (or product information) according to the present invention, the interface unit 1605 of the real estate security loan information operating device (or server) 1600 Provides the webpage provided with an input (or selection) area of predetermined information (eg, mortgage target property and / or real estate mortgage request customer providing information, etc.) to the real estate mortgage request client terminal 165 ( 1705).

When the webpage provided with the loan target real estate information and / or real estate mortgage request customer information input (or selection) area is provided through the interface unit 1605, the drawings 3 and / or 5 and / or drawings. As shown in FIG. 6 and / or 7 and / or 8 and / or 9, the real estate mortgage request customer may input (or select) real estate information and / or customer provided information on the provided webpage through the terminal. (1710).

When the real estate information and / or customer provided information is input (or selected) through the above process, the real estate mortgage request client terminal 165 displays a web page including the input (or selected) information in the real estate mortgage loan. Provided to the information operating device (or server) 1600 (1715).

At this time, the real estate mortgage request customer terminal 165, the customer-owned communication medium for receiving the real estate mortgage loan information and / or real estate mortgage loan product information (for example, landline telephone, wireless telephone, FAX, email , Messenger, storage medium on a network corresponding to the customer identification information, etc.) may be further provided to the real estate collateral loan information operating device (or server) 1600.

Then, the real estate mortgage loan information operating device (or server) 1600 receives the real estate information and / or customer provided information from the real estate mortgage request client terminal 165, the real estate price information database shown in FIG. (155) (and / or real estate rights analysis information database 150) confirms the value (price) (and / or real estate rights analysis information) for the mortgage subject property based on the received real estate information. (1720)

If an abnormality occurs in the process of checking the value (price) information (and / or real estate rights analysis information) of the real estate subject to the security loan (1725), the real estate security loan information operating apparatus (or server) 1600 The real estate mortgage request client terminal 165 may notify the real estate value confirmation (and / or real estate rights analysis information) abnormal information (1730).

On the other hand, if there is no particular abnormality in the process of checking the value (price) information (and / or real estate rights analysis information) of the property subject to the security loan (1735), the loan of the property security loan information operating device (or server) 1600 The information generating / extracting unit 1610 interoperates with the real estate loan product information database 160 shown in FIG. 12 and provides the secured loan request customer with reference to the confirmed real estate information and / or customer providing information. One or more loan information (loan product) is generated or extracted (1740).

Preferably, the process of generating or extracting the loan information (loan product) by the loan information generation / extraction unit 1610 may include at least one or more real estate information and / or at least one or more customer provided information provided from the customer terminal 165. In this regard, the real estate information may be performed in response thereto, wherein the real estate information includes information on the type of property subject to mortgage (eg, apartment, mall apartment, residential officetel, detached house, townhouse, multi-family house, etc.) and / or mortgage loan. Target property address information, and / or mortgage current market price information, and / or information on the number of rooms of the property subject to the mortgage loan, and / or the rental (charter, rent, etc.) information of the property subject to the mortgage loan, and / or mortgage loan. It may include at least one or more base mortgage setting information of the property.

In addition, the customer provided information, the real estate buyer identification information, and / or the real estate buyer authentication information, and / or the real estate buyer member ID / password information, and / or customer authentication information, and / or customer identification information, and And / or customer personal information, and / or customer dependent information, and / or customer past residential information, and / or customer employment information, and / or customer deduction eligibility information, and / or customer income information, and / or Customer National Pension Payment Information, and / or Loan Application Amount Information, and / or Loan Amount Repayment Period Information, and / or Proper Interest Rates Information, and / or Customer Financial Transaction Information, and / or Customer Financial Account Information, and / or Customer It may include at least one payment means information.

For example, the loan information generation / extraction unit 1610 may include a storage medium 150 (or storage medium operating means) for generating and / or storing predetermined real estate price information and / or rights information (or rights analysis information). A storage medium (or storing at least one real estate collateral loan product information corresponding to at least one real estate value information after identifying predetermined real estate value information corresponding to the real estate information provided from the client terminal 165) And at least one real estate collateral loan product information corresponding to the identified real estate value information, in association with the storage medium operating means).

As another example, if the customer provision information provided by the real estate mortgage loan request customer includes customer authentication information and / or customer identification information and / or customer personal information, the loan information generation / extraction unit 1610 may be predetermined. Predetermined customer credit information corresponding to the customer authentication information and / or customer identification information and / or customer personal information in association with a storage medium 135 (or a storage medium operating means) for storing and managing personal credit information of After verifying, in connection with the storage medium 160 (or storage medium operating means) for storing at least one real estate mortgage loan product information corresponding to the customer credit information, at least one or more real estate corresponding to the confirmed customer credit information Mortgage loan product information may be extracted and / or generated.

In addition, the loan information providing unit 1615 of the real estate mortgage loan information operating device (or server) 1600 may provide the mortgage information available to the customer generated or extracted through the loan information generation / extraction unit 1610 ( And / or loan products corresponding to the customer terminal 165 and / or a customer-owned communication medium (eg, a landline telephone, a wireless telephone, a fax, an email, a messenger, and the customer identification information as shown in FIG. 15). Storage media on a network, etc.) (1745).

In addition, the real estate mortgage loan information operating apparatus (or server) 1600 checks whether the customer has selected real estate mortgage loan information (loan product) provided to the mortgage loan request customer terminal 165 (1750). If the customer has requested a predetermined loan (or loan product) by selecting the provided real estate loan information (loan product) (1755), the loan processing unit of the real estate loan information management device (or server) 1600 In operation 1760, the mortgage lending client performs loan processing in response to the real estate mortgage loan information (loan product) selected by the customer.

In addition, the real estate mortgage loan information operating device (or server) 1600 confirms the request to convert the loan amount of the balance according to the purchase of the real estate of the customer (1765), if the customer wants to convert the balance to the loan ( In operation 1770, the balance information of the customer is confirmed by interworking with the escrow service related information database 145 of FIG. 14, and some and / or all of the loan processing amount is converted into the confirmed balance to be processed (1775). .

According to the present invention, real estate mortgage loan information and / or real estate mortgage corresponding to the mortgage target property information and / or real estate mortgage loan request customer condition information (eg, personal information, credit information, financial transaction information, etc.) provided from a customer terminal By extracting or generating loan product information and providing it to the real estate mortgage loan request customer, the real estate mortgage loan request customer simply inputs personal information and / or real estate information, thereby providing optimal real estate mortgage loan information and / or real estate mortgage loan product. The advantage is that information can be obtained.

The real estate mortgage loan information and / or loan product information provider may increase the convenience of the mortgage loan customer by providing a UI for conveniently entering and / or selecting predetermined conditions of the real estate mortgage requesting customer. This has the advantage of attracting more real estate mortgage customers.

Claims (70)

A client terminal for requesting predetermined real estate security loan information; Interface means for providing at least one web page including a real estate information input area and a customer provided information input area to the customer terminal, and receiving real estate information and customer provided information inputted through the at least one web page; Information confirmation means for confirming the received real estate information and customer provision information in association with the interface means; Generate at least one loan information (or loan product information) that can be provided to the customer as the collateral of the real estate by using the real estate information and the customer providing information confirmed through the information checking means, and / or store the predetermined Loan information generation / extraction means for extracting from the medium; And Providing loan information for providing the at least one real estate security loan information (or loan product information) generated and / or extracted to the customer terminal and / or the customer-owned communication medium in association with the loan information generation / extraction means. Means; real estate collateral loan information management system comprising a. The method of claim 1, wherein the customer terminal, Real estate collateral loan information management system comprising a wired terminal, a wireless terminal, ATM, KIOSK, at least one or more home appliances equipped with a communication function. The method of claim 1, wherein the interface means, Real estate collateral loan information management system, characterized in that further receiving a predetermined customer-owned communication medium information from the customer terminal. The method of claim 1 or 3, wherein the customer-owned communication medium, A real estate collateral loan information operating system comprising at least one of a landline telephone, a wireless telephone, a fax, an email, a messenger, and a storage medium on a network corresponding to the customer identification information. According to claim 1, The loan information generating / extracting means, In association with a storage medium (or storage medium operating means) for generating and / or storing predetermined real estate price information and / or rights information (or rights analysis information), A real estate collateral loan information management system, characterized in that the predetermined real estate value information is confirmed. According to claim 5, The loan information generating / extracting means, At least one real estate loan product corresponding to the identified real estate value information in association with a storage medium (or storage medium operating means) storing at least one real estate security loan product information corresponding to at least one real estate value information A real estate collateral loan information operating system, characterized in that for extracting and / or generating information. According to claim 1, wherein the loan information generation / extraction means, When the real estate information includes the real estate type information, Extract at least one real estate mortgage product information corresponding to the identified real estate type information in association with a storage medium (or a storage medium operating means) storing at least one real estate mortgage product information corresponding to each type of real estate. And / or generating a real estate security loan information operating system. According to claim 1, The loan information generating / extracting means, Real estate mortgage loan information management system for extracting and / or generating at least one real estate mortgage loan product information corresponding to each of at least one or more information included in the customer provided information provided by the customer. According to claim 1, The loan information generating / extracting means, In connection with a storage medium (or storage medium operating means) for storing at least one real estate mortgage loan product information corresponding to at least one or more information included in the customer provided information provided by the real estate mortgage requesting customer, And extracting and / or generating at least one real estate mortgage loan product information corresponding to the at least one or more information included in the customer provision information. According to claim 1, The loan information generating / extracting means, When the customer provided information provided by the real estate mortgage loan request customer includes customer authentication information and / or customer identification information and / or customer personal information, Identifying predetermined customer credit information corresponding to the customer authentication information and / or customer identification information and / or customer personal information in association with a storage medium (or a storage medium operating means) for storing and managing predetermined personal credit information. Real estate mortgage loan information management system, characterized in that it is linked to, or including the customer credit information verification means. The method of claim 10, wherein the loan information generation / extraction means, Extract and / or extract at least one real estate mortgage product information corresponding to the customer credit information in association with a storage medium (or storage medium operating means) storing at least one real estate mortgage product information corresponding to the customer credit information; Real estate collateral loan information management system, characterized in that the generation. According to claim 1, The loan information generating / extracting means, The customer provision information provided by the real estate mortgage loan request customer, customer dependent family information, customer past residential history information, customer employment information, customer income deduction eligibility information, customer income information, customer national pension payment information If customer property information that includes at least one is included, Extract at least one real estate mortgage product information corresponding to the customer characteristic information in association with a storage medium (or storage medium operating means) storing at least one real estate mortgage loan product information corresponding to the at least one customer characteristic information. And / or generating a real estate security loan information operating system. According to claim 1, The loan information generating / extracting means, When the customer provision information provided by the real estate mortgage loan request customer includes loan application amount information, loan amount repayment period information, and loan condition information including at least one or more appropriate interest rate information, Extract at least one real estate mortgage loan product information corresponding to the loan condition information in association with a storage medium (or a storage medium operating means) storing at least one real estate mortgage loan product information corresponding to the at least one loan condition information. And / or generating a real estate security loan information operating system. According to claim 1, The loan information generating / extracting means, When the real estate mortgage loan request customer-provided information provided by the customer includes financial transaction customer information including customer financial transaction information, customer financial account information, and customer payment method information, At least one real estate loan product information corresponding to the financial transaction customer information in association with a storage medium (or storage medium operating means) storing at least one real estate security loan product information corresponding to the at least one financial transaction customer information Real estate collateral loan information management system, characterized in that for extracting and / or generating. According to claim 1, The loan information generating / extracting means, When the customer-provided information provided by the real estate mortgage loan request customer includes information related to a predetermined real estate transaction escrow service corresponding to the real estate, And at least one real estate mortgage loan product information in association with a real estate transaction escrow service providing means. The method of claim 15, wherein the real estate sale escrow service related information, And at least one of the real estate buyer identification information, the real estate buyer authentication information, and the real estate buyer member ID / password information. The loan information generating / extraction means according to any one of claims 1 to 15, Consists of a single server (or device), or A real estate collateral loan information operating system comprising a plurality of servers (or devices). According to claim 1, The loan information providing means, After sorting the at least one real estate mortgage loan information (or loan product information) by at least one loan condition (loan limit, loan period, loan repayment condition, loan interest rate, etc.), the customer terminal and / or owned by the customer Real estate collateral loan information management system characterized in that provided by a communication medium. According to claim 1, The loan information providing means, After reading any one of the at least one real estate mortgage information (or loan product information) that meets the customer conditions, the real estate mortgage loan information (or loan product information), and then read the real estate mortgage loan information (or loan product) Information) to the customer terminal and / or the customer-owned communication medium. The method of claim 1, After receiving the real estate mortgage loan information (or loan product information) from the customer terminal or a customer communication medium, and applying for real estate mortgage loan, real estate mortgage loan information further comprises a loan processing means for processing this Operating system. The method of claim 20, wherein the loan processing means, Real estate mortgage loan information management system, characterized in that for converting the balance required for the purchase of the real estate of the customer to the loan. The method according to any one of claims 1 to 21, wherein each of the means, On a single server (or device), or Real estate mortgage loan information management system characterized in that divided into at least two or more servers (or devices). The real estate security loan information management system according to any one of claims 1 to 21, Consists of a single server (or device), or A real estate mortgage loan information operating system comprising at least two servers (or devices). The method of claim 1, wherein the real estate information, Information on the type of property subject to a mortgage, and / or address information on the property subject to a mortgage, and / or current market price information on the property subject to a mortgage, and / or information on the number of rooms of the property subject to a mortgage, and / or rental information on the property subject to a mortgage And / or at least one or more mortgage-setting information of the mortgage loaned real estate. The method of claim 1, wherein the customer provided information, Real estate buyer escrow service related information including at least one of the real estate buyer identification information, the real estate buyer authentication information, the real estate buyer member ID / password information, customer authentication information, customer identification information, customer personal information, Customer support family information, customer past housing history information, customer employment information, customer income deduction eligibility information, customer income pension information, customer national pension payment information, loan application amount information, loan amount repayment period information And at least one suitable interest rate information, customer financial transaction information, customer financial account information, and customer payment means information. According to claim 1, The real estate mortgage loan information (or loan product information), And at least one property information for each of the at least one real estate mortgage loan product, loanable amount information, loan amount repayment period and condition information, and loan interest rate information that can be provided to the customer. Providing at least one web page having a real estate information input area and / or a customer provided information input area to a client terminal requesting predetermined real estate mortgage loan information from a predetermined interface means, and inputting through the at least one web page An information receiving step of receiving the real estate information and / or customer provided information; An information checking step of confirming the received real estate information and customer provided information in association with the interface means in a predetermined information checking means; Generate at least one loan information (or loan product information) that can be provided to the customer as the collateral of the real estate by the predetermined information generation / extraction means by using the real estate information and the customer providing information confirmed through the information checking means. Or / or generating / extracting information extracted from a predetermined storage medium; And The at least one real estate mortgage loan information (or loan product information) generated and / or extracted in connection with the loan information generation / extraction means in a predetermined information providing means is used by the customer terminal and / or the customer-owned communication medium. Loan information providing step comprising; real estate mortgage loan information operating method comprising a. The method of claim 27, wherein the information receiving step, Real estate collateral loan information management method characterized in that the customer terminal further receives a predetermined customer-owned communication medium information. The method of claim 27 or 28, wherein the customer-owned communication medium, And a landline, a wireless telephone, a fax, an email, a messenger, and at least one storage medium on the network corresponding to the customer identification information. The method of claim 27, wherein the loan information generation / extraction step, Predetermined real estate value information corresponding to the identified real estate information in association with a storage medium (or storage medium operating means) for generating and / or storing predetermined real estate price information and / or rights information (or rights analysis information) Real estate collateral loan information management method, characterized in that further comprising the step of confirming. The method of claim 27, wherein the loan information generation / extraction step, At least one real estate loan product corresponding to the identified real estate value information in association with a storage medium (or storage medium operating means) storing at least one real estate security loan product information corresponding to at least one real estate value information The method of claim 1, further comprising extracting and / or generating information. The method of claim 27, wherein the loan information generation / extraction step, When the real estate information includes the real estate type information, Extract at least one real estate mortgage product information corresponding to the identified real estate type information in association with a storage medium (or a storage medium operating means) storing at least one real estate mortgage product information corresponding to each type of real estate. And / or generating the real estate collateral loan information. The method of claim 27, wherein the loan information generation / extraction step, And extracting and / or generating at least one real estate mortgage loan product information corresponding to at least one or more pieces of information included in the customer information provided by the customer. How Loan Information Is Managed. The method of claim 27, wherein the loan information generation / extraction step, In connection with a storage medium (or storage medium operating means) for storing at least one real estate mortgage loan product information corresponding to at least one or more information included in the customer provided information provided by the real estate mortgage requesting customer, And extracting and / or generating at least one real estate mortgage loan product information corresponding to the at least one or more information included in the customer provision information. The method of claim 27, wherein the loan information generation / extraction step, When the customer provided information provided by the real estate mortgage loan request customer includes customer authentication information and / or customer identification information and / or customer personal information, Identifying predetermined customer credit information corresponding to the customer authentication information and / or customer identification information and / or customer personal information in association with a storage medium (or a storage medium operating means) for storing and managing predetermined personal credit information. Real estate mortgage loan information operating method characterized in that it further comprises a step. The method of claim 35, wherein the loan information generation / extraction step, Extract and / or extract at least one real estate mortgage product information corresponding to the customer credit information in association with a storage medium (or storage medium operating means) storing at least one real estate mortgage product information corresponding to the customer credit information; Real estate mortgage loan information operating method further comprising the step of generating. The method of claim 27, wherein the loan information generation / extraction step, The customer provision information provided by the real estate mortgage loan request customer, customer dependent family information, customer past residential history information, customer employment information, customer income deduction eligibility information, customer income information, customer national pension payment information If customer property information that includes at least one is included, Extract at least one real estate mortgage product information corresponding to the customer characteristic information in association with a storage medium (or storage medium operating means) storing at least one real estate mortgage loan product information corresponding to the at least one customer characteristic information. And / or generating the real estate collateral loan information. The method of claim 27, wherein the loan information generation / extraction step, When the customer provision information provided by the real estate mortgage loan request customer includes loan application amount information, loan amount repayment period information, and loan condition information including at least one or more appropriate interest rate information, Extract at least one real estate mortgage loan product information corresponding to the loan condition information in association with a storage medium (or a storage medium operating means) storing at least one real estate mortgage loan product information corresponding to the at least one loan condition information. And / or generating the real estate collateral loan information. The method of claim 27, wherein the loan information generation / extraction step, When the real estate mortgage loan request customer-provided information provided by the customer includes financial transaction customer information including customer financial transaction information, customer financial account information, and customer payment method information, At least one real estate loan product information corresponding to the financial transaction customer information in association with a storage medium (or storage medium operating means) storing at least one real estate security loan product information corresponding to the at least one financial transaction customer information Extracting and / or generating a real estate mortgage loan information management method characterized in that it further comprises. The method of claim 27, wherein the loan information generation / extraction step, When the customer-provided information provided by the real estate mortgage loan request customer includes information related to a predetermined real estate transaction escrow service corresponding to the real estate, And extracting and / or generating at least one real estate mortgage loan product information in association with a real estate transaction escrow service providing means. 41. The method of claim 40, wherein the real estate transaction escrow service related information, And at least one of the real estate buyer identification information, the real estate buyer authentication information, and the real estate buyer member ID / password information. The method of claim 27, wherein the providing loan information, And sorting the at least one real estate security loan information (or loan product information) by at least one loan condition (loan limit, loan period, loan repayment condition, loan interest rate, etc.) by a factor. How to Manage Mortgage Loan Information. The method of claim 27, wherein the providing loan information, And reading out any one of the at least one real estate mortgage loan information (or loan product information) that meets the customer condition, the real estate mortgage loan information (or loan product information). How Loan Information Is Managed. The method of claim 27, After receiving the real estate mortgage loan information (or loan product information) from the customer terminal or a customer communication medium, and applying for real estate mortgage loan, real estate mortgage loan information, characterized in that it further comprises a loan processing step of processing this How to operate. The method of claim 44, wherein the loan processing step, And converting the balance required for the purchase of the real estate of the customer into the loan and processing the loan. The method according to any one of claims 27 to 32, wherein the real estate information, Information on the type of property subject to a mortgage, and / or address information on the property subject to a mortgage, and / or current market price information on the property subject to a mortgage, and / or information on the number of rooms of the property subject to a mortgage, and / or rental information on the property subject to a mortgage And / or at least one or more mortgage-setting information of the mortgage loaned real estate. 41. The method of any of claims 27-40, wherein the customer provided information is Real estate buyer escrow service related information including at least one of the real estate buyer identification information, the real estate buyer authentication information, the real estate buyer member ID / password information, customer authentication information, customer identification information, customer personal information, Information about customer dependents, information on past housing history, customer employment information, customer income deduction eligibility information, customer income information, customer national pension payment information, loan application amount information, loan repayment period information And at least one of appropriate interest rate information, customer financial transaction information, customer financial account information, and customer payment means information. The real estate security loan information (or loan product information) according to any one of claims 27 to 44, And at least one property information for each of the at least one real estate mortgage loan product that can be provided to the customer, information on the amount of loans available, loan amount repayment period and condition information, and loan interest rate information. The method of claim 27, wherein the customer terminal, Real estate collateral loan information management method comprising a wired terminal, a wireless terminal, ATM, KIOSK, at least one or more home appliances equipped with a communication function. A recording medium comprising a program for executing the method of any one of claims 27 to 45. An interface unit for receiving predetermined real estate information and customer providing information in association with a customer terminal requesting predetermined real estate mortgage loan information; Loan information for generating at least one loan information (or loan product information) that can be provided to the customer as collateral using the received real estate information and customer provided information, and / or extracted from a predetermined storage medium. Generation / extraction unit; And And a loan information provider for providing the generated and / or extracted at least one real estate security loan information (or loan product information) to the customer terminal and / or the customer-owned communication medium. Mortgage loan information operating device. The method of claim 51, After receiving the real estate mortgage loan information (or loan product information) from the customer terminal or a customer communication medium, and applying for real estate mortgage loan, further comprising a loan processing unit for processing the real estate mortgage loan information management Device. 53. The method of claim 52, wherein the loan processing unit, The real estate collateral loan information operating device, characterized in that for converting the balance required for the purchase of the real estate of the customer to the loan. The loan information generating / extracting unit according to claim 51, When the customer-provided information provided by the real estate mortgage loan request customer includes information related to a predetermined real estate transaction escrow service corresponding to the real estate, And at least one real estate mortgage loan product information in association with a real estate transaction escrow service providing means. 55. The method of claim 54, wherein the real estate sales escrow service related information is And at least one of the real estate buyer identification information, the real estate buyer authentication information, and the real estate buyer member ID / password information. The loan information generating / extracting unit according to claim 51, Identifying predetermined real estate value information corresponding to the real estate information in association with a storage medium (or storage medium operating means) that generates and / or stores predetermined real estate price information and / or rights information (or rights analysis information). Real estate collateral loan information operating device, characterized in that. The method of claim 56, wherein the loan information generation / extraction unit, At least one real estate loan product corresponding to the identified real estate value information in association with a storage medium (or storage medium operating means) storing at least one real estate security loan product information corresponding to at least one real estate value information Real estate collateral loan information operating device, characterized in that for extracting and / or generating information. The loan information generating / extracting unit according to claim 51, When the real estate information includes the real estate type information, Extract at least one real estate mortgage product information corresponding to the identified real estate type information in association with a storage medium (or a storage medium operating means) storing at least one real estate mortgage product information corresponding to each real estate type. And / or generating a real estate security loan information operating apparatus. The loan information generating / extracting unit according to claim 51, Real estate mortgage loan information management device, characterized in that for extracting and / or generating at least one or more real estate mortgage loan product information corresponding to at least one or more information included in the customer provided information provided by the customer. The loan information generating / extracting unit according to claim 51, In connection with a storage medium (or storage medium operating means) for storing at least one real estate mortgage loan product information corresponding to at least one or more information included in the customer provided information provided by the real estate mortgage requesting customer, And extracting and / or generating at least one real estate mortgage loan product information corresponding to at least one or more information included in the customer provision information. The loan information generating / extracting unit according to claim 51, When the customer provided information provided by the real estate mortgage loan request customer includes customer authentication information and / or customer identification information and / or customer personal information, Identifying predetermined customer credit information corresponding to the customer authentication information and / or customer identification information and / or customer personal information in association with a storage medium (or a storage medium operating means) for storing and managing predetermined personal credit information. Real estate collateral loan information operating device, characterized in that. The method of claim 61, wherein the loan information generation / extraction unit, Extract and / or extract at least one real estate mortgage product information corresponding to the customer credit information in association with a storage medium (or storage medium operating means) storing at least one real estate mortgage product information corresponding to the customer credit information; Real estate collateral loan information operating device, characterized in that the generation. The loan information providing unit of claim 51, After sorting the at least one real estate mortgage loan information (or loan product information) by at least one loan condition (loan limit, loan period, loan repayment condition, loan interest rate, etc.), the customer terminal and / or owned by the customer Real estate collateral loan information operating device, characterized in that provided by a communication medium. The loan information providing unit of claim 51, After reading any one of the at least one real estate mortgage information (or loan product information) that meets the customer conditions, the real estate mortgage loan information (or loan product information), and then read the real estate mortgage loan information (or loan product) Information) to the customer terminal and / or the customer-owned communication medium. The real estate security loan information operating apparatus according to any one of claims 51 to 64, Consists of a single device (or server), or A real estate mortgage loan information operating device comprising at least two devices (or servers). The method of claim 51, wherein the customer terminal, Real estate mortgage loan information operating device comprising a wired terminal, a wireless terminal, ATM, KIOSK, at least one or more home appliances equipped with a communication function. The method of claim 51, wherein the real estate information, Information on the type of property subject to a mortgage, and / or address information on the property subject to a mortgage, and / or current market price information on the property subject to a mortgage, and / or information on the number of rooms of the property subject to a mortgage, and / or rental information on the property subject to a mortgage And / or at least one or more base mortgage setting information of the mortgage loaned real estate. The method of claim 51, wherein the customer provided information, Real estate buyer escrow service related information including at least one of the real estate buyer identification information, the real estate buyer authentication information, the real estate buyer member ID / password information, customer authentication information, customer identification information, customer personal information, Information about customer dependents, information on past housing history, customer employment information, customer income deduction eligibility information, customer income information, customer national pension payment information, loan application amount information, loan repayment period information And at least one of proper interest rate information, customer financial transaction information, customer financial account information, and customer payment means information. The real estate security loan information (or loan product information) according to claim 51, And at least one property information for each of the at least one property mortgage loan product, loanable amount information, loan amount repayment period and condition information, and loan interest rate information that can be provided to the customer. A computer-readable recording medium having recorded thereon a program for executing a function of the device component of any one of claims 51 to 64.

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