KR20100055849A - System for managing a loan of publicly staff automatically - Google Patents

Abstract

PURPOSE: An automatic loan management system for rapidly performing the loan of public institution officers and employees is provided to monitor the loan of a client by managing risk index on real time. CONSTITUTION: A user terminal(2) receives and outputs information about a loan product. After user terminals input the information of the clients, the inputted information is transmitted to a financial server. The user terminals output the loan amount information. The bank server receives the previous loan breakdown information and a frame about clients. A credit information company server offers the information on assets.

Description

Automatic Loan Management System for Employees of Public Institutions {SYSTEM FOR MANAGING A LOAN OF PUBLICLY STAFF AUTOMATICALLY}

The present invention relates to an automatic loan management system for employees of public institutions, and more specifically, to automatically calculate a risk index for each customer by interworking with a credit information company for employees or employees of public institutions, and whether loans for each risk index are available. And automatic loan management system of employees of public institutions that enables loans to be quickly determined by performing loan processing and recalculates the risk index in real time to monitor customer risk in real time. .

As is well known, the credit business of financial institutions, such as banks and credit companies, plays an important part in modern society, and the profits of financial institutions are typically generated from credit / receiving business. I'm trying to do my job.

Recently, with the Capital Market Consolidation Act in place, measures to effectively improve the financial institution's system are being pursued. Competitive system for preempting superior customers and attracting new customers by changing the system or establishing a new system. It is the situation which is entering into.

On the other hand, credit card companies historically have credit card turbulence, so it would be advantageous to rapidly increase the issuance of credit cards for the benefit of the company, but face risks for customers with low payment capabilities.

In particular, in recent years, the financial institutions have been actively absorbing or establishing credit card companies or securities companies in the state ahead of the implementation of the Capital Market Integration Act.

The foregoing invention refers to the background of the art to which the present invention pertains, and does not mean the prior art which is widely known in the art.

However, there has been a problem that it is not easy to develop a financial service that is proven to be particularly effective in attracting excellent customers in a situation where financial institutions are competitively attracting customers. Ultimately, it is necessary to develop financial services that can secure excellent customers while maintaining the financial soundness of financial institutions, but in reality, such financial services are almost absent, and development is not easy.

In particular, public institutions, or government-sponsored customers, are considered to be excellent customers who are guaranteed retirement age due to the characteristics of their industries, but now they are able to go through the same troublesome procedures as other customers. In the city, a simpler and faster loan service is urgently needed.

The present invention was created to improve the above problems, and automatically calculates a risk index for each customer in conjunction with a credit information company for employees or employees of public institutions, and the loan index and loan amount for each risk index Its purpose is to provide an automatic loan management system for employees of public institutions that enables them to execute loans quickly, perform loans quickly, and recalculate risk indices in the event of variable points and monitor customer risks in real time. have.

Automated loan management system of employees of public institutions according to the present invention provides a financial server (6) including a loan management server (8) for providing information on the loan product, receiving and registering the subscription signal and customer information for the loan product Receiving information on the loan product from the screen), and outputs the screen, and inputs the information of the customer to transfer to the financial server (6), the loan availability information and loanable amount information transmitted from the financial server (6) A user terminal 2 for outputting a screen and generating an input signal for whether or not to join the product to the financial server 6; Provides information on the loan product from the user terminal (2), receives and registers the selection signal and customer information for the loan product, and receives the credit information and the expected breakdown information for the customer automatically adjusts the risk rate A financial server 6 which automatically calculates loan allowances and loanable amounts by calculating, and transmits the calculated information to the user terminal 2 to receive and register a signal of whether or not to subscribe; The financial server 6 is provided with an automatic loan management system for employees of public institutions, comprising a credit information company server 22 for providing asset information for identifying customer credit information and payment ability.

Preferably, the user terminal 2 outputs information on the loan product therein, and outputs a file for inputting personal credit information and personal information in the form of a web document, and displays the subscription request file of the loan product. There is provided an automatic loan management system for employees of public institutions, further comprising a user API 4 for processing real-time data communication uploaded to the financial server 6.

Preferably, the financial server 6 includes a loan management server 8 which calculates a risk ratio through each customer's credit information, expected information and asset information, and calculates loan availability and loanable amount; There is provided an automatic loan management system for employees of public institutions, including a database management server (DBMS: 16) that performs file management for various data.

Preferably, the loan management server 8 is an authentication processing unit 10 for performing a user authentication process through the unique number and login information (ID and password) of the API transmitted from the user API (4) of the user terminal (2) )Wow; A loan information inquiry unit 12 for inquiring asset information regarding customer credit information, expected output information, and payment ability; Automated employee of a public institution, which includes a loan information management unit 14 for managing information on loan products provided by reflecting a risk rate of a corresponding customer and managing risk change information through principal repayment information. Loan management system is provided.

Preferably, the DBMS 16 is a file extraction / update unit for extracting and updating the various data in order to manage the database 20 for storing the various data processed by the loan management server 8 therein ( 18), the loan subscription information transmitted from the user terminal 2 through the financial server 6 and stores the credit information and payment ability information of the customer, the risk rate information calculated through the customer information and There is provided an automatic loan management system for employees of public institutions, characterized in that the database 20 for storing the loan amount information, loan interest rate information is provided.

Preferably, the financial server 6 receives the customer information and subscription information for the loan product from the user terminal 2, the information on the credit information and payment ability of the customer from the credit information company server 22 A data receiving unit for receiving; A data transmitter for transmitting loan applicability information, loan amount information, and applicable interest rate information to the user terminal 2 and transmitting a subscription approval signal for the loan product; A control unit for driving and controlling each processor in response to an access signal and a condition setting signal from the user terminal 2, and controlling a process of extracting a file from the database 20 and transmitting the file to the terminal during file storage or reading; A credit information / loan inquiry processor for querying the credit information and the expected information of the customer transmitted in association with the credit information company server 22 and monitoring the corresponding customer information at regular intervals to manage the risk change; Loan risk index calculation for evaluating the payment ability according to the customer's credit information and expected information, customer industry information and job title and salary information transmitted in conjunction with the credit information company server 22 and calculating the risk index accordingly A processor; A loan information management processor for managing loan information sold to a customer, that is, loan amount information and period information, principle fund setting information, and deferment information; A loan processing processor interworking with the loan information management processor 32 to automatically process payment processing of the loan amount to a customer designated account; A loan repayment management processor interworking with the loan information management processor 32 for managing the principle payment repayment state according to the loan amount, deferred information, and repayment condition information; Loan subscription information and credit information and payment ability information transmitted from the user terminal 2 through the financial server 6, the risk rate information and loan amount information, loan interest rate information calculated through the customer information The automatic loan management system of employees of public institutions, which is configured to include a stored database is provided.

Preferably, the loan risk index calculation processor 30 determines the additional points by reflecting the presence or absence of collateral loans, collateral loan amount information, the presence of credit loans and industry / job titles for customers or employees of public institutions, By calculating the overall risk index by averaging the risk index that is linked in advance for each piece of information, the process of calculating loan availability and loan amount is carried out. Provided by the automatic loan management system of the employees of the public institution, characterized in that the repayment request amount is determined to generate a repayment request signal, and when the repayment is made without a certain amount of delay, the additional loan amount is calculated and notified to the user terminal 2. do.

As described above, the automatic loan management system of employees of public institutions according to the present invention categorizes employees and employees of public institutions as excellent customers and supports financial services so that loans can be processed more quickly. By real-time monitoring of the loans of customers generated by securing and managing the risk index in real time, the loan is made quickly and the risk is checked in real time so that the loan soundness can be continuously maintained within the limits.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the automatic loan management system of public employees according to the present invention. The terms to be described below are terms defined in consideration of functions in the present invention, which may vary depending on the intention or convention of a user or an operator. Therefore, definitions of these terms should be made based on the contents throughout this specification.

1 is a block diagram illustrating a configuration of an automatic loan management system of a public institution employee according to an embodiment of the present invention.

Referring to this, the automatic loan management system of the employees of public institutions according to an embodiment of the present invention automatically calculates a risk index for each customer by interworking with a credit information company for employees or employees of public institutions, and for each risk index. It is a system that enables customers to monitor the risks of customers in real time by refining the risk index in case of variable point occurrences by performing loan processing by determining loan appropriation and loan amount.

That is, the automatic loan management system of the employees of public institutions according to an embodiment of the present invention classifies employees and employees of public institutions as excellent customers, and supports financial services so that loans can be processed more quickly. It is a system for real-time monitoring of customer loans generated by securing and managing risk indices in real time.

To this end, the automatic loan management system of employees of public institutions according to an embodiment of the present invention provides information on loan products, loan management server (8) to receive and register the subscription signal and customer information for the loan products Receiving information on the loan product from the financial server 6 that includes the screen output, and inputs the information of the customer to transfer to the financial server 6, the loan transmitted from the financial server (6) There is provided a user terminal (2) for outputting the value information and loanable amount information and generating an input signal for whether or not to join the product to the financial server (6).

At this time, the user terminal 2 outputs information on the loan product, and outputs a file for inputting personal credit information and personal information in the form of a web document, and displays the subscription request file of the loan product in the financial server 6 A user API (Application interface) 4 is provided for processing real-time data communication to be uploaded to the network.

On the other hand, the automatic loan management system of employees of public institutions according to an embodiment of the present invention provides information on the loan product from the user terminal (2), receives the registration signal and customer information for the loan product and registers By automatically calculating the risk ratio by receiving the credit information and the expected history information about the customer, the loan is automatically calculated and the amount of loans available, and the calculated information is transmitted to the user terminal 2 to signal whether or not to join. There is provided a financial server 6 for receiving and registering.

In addition, the financial server 6 includes a loan management server 8 for calculating a risk ratio through credit information, expected information, and asset information for each customer, and calculating loan availability and loanable amount; It consists of a database management server (DBMS: 16) (Database Management Server) that performs file management for various data.

The loan management server 8 is provided with an authentication processing unit 10 for performing a user authentication process through a unique number and login information (ID and password) of the API transmitted from the user API (4) of the user terminal (2). Loan information inquiry unit 12 for querying the customer's credit information, expected output information, asset information on payment ability is provided, and reflects the information on the loan products provided by reflecting the risk rate of the customer. The loan information management unit 14 for managing and managing the risk change information through the principle payment repayment information is included.

Also, the DBMS 16 extracts and updates a file 18 to extract and update various data to manage the database 20 storing various data processed by the loan management server 8 therein. ) Is provided.

In addition, the loan subscription information transmitted from the user terminal 2 and the credit information and payment ability information of the customer through the financial server 6, and stores the risk rate information and loan amount information, loan information calculated through the customer information A database 20 in which interest rate information is stored is provided.

On the other hand, in the automatic loan management system of employees of public institutions according to an embodiment of the present invention, the credit information company server 22 for providing asset information for grasping the customer's credit information and payment ability to the financial server 6 is provided. As it is provided, the process of calculating the loan availability and loanable amount by automatically calculating in the financial server 6 through the customer information provided from the credit information company server 22 is processed differently from the CSS of the general customer. This is because the customer applied in this system is a loan processing system for excellent customers limited to employees and employees of public institutions.

Figure 2 is a state diagram showing the data flow of the automatic loan management system of employees of public institutions according to an embodiment of the present invention.

Referring to this, the user terminal 2 included in the automatic loan management system of the employee of a public institution according to an embodiment of the present invention drives the user API 4 included therein to operate the loan management server 8. Access to view the information on the loan product, generate a subscription request signal for the loan product, and input the personal information of the customer in the application displayed on the screen to process.

Then, the loan management server 8 authenticates the customer through the customer information transmitted from the user terminal 2, and transmits the corresponding customer information to the credit information company server 22 to inquire about the payment ability. It comprehensively inquires property ownership information of apartments, apartments, and public institutions where customers work. Through the inquiry result information, the risk index assigned to each item is calculated and processed to comprehensively process loan determination and automatically calculate loan amount information.

Then, the calculated information is transmitted to the user terminal 2, and the user generates a signal for a product subscription decision after confirming the loanable information, and the loan management server 8 according to the signal. Register the registration information.

Thereafter, the loan management server 8 checks whether there is a change in the credit information of the corresponding customer from the credit information company server 22 at regular intervals, and reimburses the loan amount by resetting the risk rate when the change occurs. If the additional loan is possible by calculating the determination and additional loan amount information, the corresponding user terminal 2 is notified.

Figure 3 is a block diagram showing the configuration of a financial server included in the automatic loan management system of employees of public institutions according to an embodiment of the present invention.

Referring to this, the financial server 6 included in the automatic loan management system of the employees of public institutions according to an embodiment of the present invention has a data receiving unit, a data transmitting unit, an authentication processing unit, a controller, and a credit information / loan inquiry processor. It consists of loan risk index calculation processor, loan information management processor, loan processing processor and loan repayment management processor, and database.

Reference numeral 24 receives a customer information and subscription information for the loan product from the user terminal 2, and a data receiving unit for receiving the credit information and payment ability information of the customer from the credit information company server 22 Reference numeral 26 denotes a data transmission unit for transmitting loan availability information, loanable amount information, and applicable interest rate information to the user terminal 2 and transmitting a subscription approval signal for the loan product.

Reference numeral 10 denotes an authentication processing unit that performs user authentication processing through the unique number and login information (ID and password) of the user API 4 transmitted from the user terminal 2.

Reference numeral 40 is a control unit for controlling the operation of each processor in response to the access signal and the condition setting signal from the user terminal 2, and controls the process of extracting the file from the database 20 and transfer to the terminal when storing or reading the file. Indicates.

Reference numeral 28 is a credit information / loan inquiry processor for managing the risk fluctuations by inquiring the credit information and expected information of the customer transmitted in conjunction with the credit information company server 22 and monitoring the corresponding customer information at regular intervals Reference numeral 30 evaluates the payment ability according to the customer's credit information and expected information, customer industry information and job title and salary information transmitted in connection with the credit information company server 22 and calculates the risk index accordingly. A loan risk index arithmetic processor is provided for reference. A reference numeral 32 denotes a loan information management processor for managing loan information sold to a customer, that is, loan amount information and period information, principle payment setting information, and deferment information.

Reference numeral 34 denotes a loan processing processor interworking with the loan information management processor 32 to automatically process payment processing of the loan amount to a customer designated account, and reference numeral 36 refers to a loan amount and It represents a loan repayment management processor for managing the principle payment repayment status according to the deferred information, repayment condition information, reference numeral 20 denotes the loan subscription information and customer credit information transmitted from the user terminal 2 through the financial server 6 And a database storing the payment capability information, the risk ratio information, the loan amount information, and the loan interest rate information calculated through the corresponding customer information.

At this time, the loan risk index calculation processor 30 determines the additional points by reflecting the presence or absence of collateral loans, collateral loan amount information, credit loan presence and industry / job points for the employees or employees of public institutions, By calculating the overall risk index by averaging the risk index that is pre-linked by information, the process of calculating loan availability and loan amount is carried out. A request amount is determined to generate a repayment request signal, and when repayment is made without a certain amount of arrears, an additional loan amount is calculated and the user terminal 2 is notified.

Hereinafter, with reference to the accompanying drawings, the function and operation of the automatic loan management system of employees of public institutions according to an embodiment of the present invention having the above configuration will be described in detail.

4 is a diagram illustrating a signal flow driven by an automatic loan management system of a public institution employee according to an embodiment of the present invention.

First, the user terminal 2 included in the automatic loan management system of a public institution employee according to an embodiment of the present invention accesses the loan management server 8 by driving a user API 4 included therein. By reading the information on the loan product, generating a signal to apply for the subscription to the loan product, the personal information of the corresponding customer is entered into the application displayed on the screen and processed.

Then, the loan management server 8 authenticates the customer through the customer information transmitted from the user terminal 2, and transmits the corresponding customer information to the credit information company server 22 to inquire about the payment ability. It comprehensively inquires property ownership information of apartments, apartments, and public institutions where customers work. Through the inquiry result information, the risk index assigned to each item is calculated and processed to comprehensively calculate loan availability and automatically calculate loan amount information.

Then, the calculated information is transmitted to the user terminal 2, and the user generates a signal for a product subscription decision after confirming the loanable information, and the loan management server 8 according to the signal. Register the registration information.

Thereafter, the loan management server 8 checks whether there is a change in the credit information of the corresponding customer from the credit information company server 22 at regular intervals, and reimburses the loan amount by resetting the risk rate when the change occurs. If the additional loan is possible by calculating the determination and additional loan amount information, the corresponding user terminal 2 is notified.

1 is a block diagram showing the configuration of an automatic loan management system of employees of public institutions according to an embodiment of the present invention;

Figure 2 is a state diagram showing the data flow of the automatic loan management system of employees of public institutions according to an embodiment of the present invention,

Figure 3 is a block diagram showing the configuration of the financial server included in the automatic loan management system of employees of public institutions according to an embodiment of the present invention,

4 is a diagram illustrating a signal flow driven by an automatic loan management system of a public institution employee according to an embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

2: user terminal, 4: user API,

6: financial server, 8: loan management server,

18: DBMS.

Claims (7)

Provides information on the loan product, receives the information on the loan product from the financial server (6) including a loan management server (8) for receiving and registering the registration signal and customer information for the loan product screen output Inputs the customer's information and transmits the information to the financial server 6, outputs the loan availability information and the loanable amount information transmitted from the financial server 6, and inputs the input signal for the product subscription. A user terminal 2 generated by the server 6; Provides information on the loan product from the user terminal (2), receives and registers the selection signal and customer information for the loan product, and receives the credit information and the expected breakdown information for the customer automatically adjusts the risk rate A financial server 6 which automatically calculates loan allowances and loanable amounts by calculating, and transmits the calculated information to the user terminal 2 to receive and register a signal of whether or not to subscribe; Automated loan management system of the employee of the public institution, characterized in that the financial server (6) comprises a credit information company server 22 for providing asset information for grasping customer credit information and payment capabilities. According to claim 1, The user terminal (2) outputs the information on the loan product therein, outputs a file for inputting personal credit information and personal information in the form of a web document screen, request to join the loan product The automatic loan management system of employees of public institutions, further comprising a user API (4) for processing real-time data communication for uploading a file to the financial server (6). According to claim 1, wherein the financial server (6) includes a loan management server (8) for calculating the risk ratio through the credit information, expected information, asset information for each customer, and calculate the loan availability and loanable amount; Automated loan management system for employees of public organizations, including a database management server (DBMS: 16) that performs file management for various data. The authentication management according to claim 3, wherein the loan management server (8) performs a user authentication process through a unique number and login information (ID and password) of an API transmitted from a user API (4) of the user terminal (2). A processing unit 10; A loan information inquiry unit 12 for inquiring asset information regarding customer credit information, expected output information, and payment ability; Automated employee of a public institution, which includes a loan information management unit 14 for managing information on loan products provided by reflecting a risk rate of a corresponding customer and managing risk change information through principal repayment information. Loan Management System. 4. The file extraction / extracting / extracting process according to claim 3, wherein the DBMS (16) extracts and updates various data to manage the database (20) storing various data processed by the loan management server (8) therein. The renewal unit 18 is provided and stores the loan subscription information, the credit information and the payment ability information of the customer, which are transmitted from the user terminal 2 through the financial server 6, and is calculated through the corresponding customer information. Automated loan management system for employees of public institutions, characterized in that the database (20) that stores rate information, loan amount information, loan interest rate information is provided. According to claim 1, wherein the financial server 6 receives the customer information and subscription information for the loan product from the user terminal (2), the credit information and payment ability of the customer from the credit information company server 22 A data receiving unit for receiving information on the; A data transmitter for transmitting loan applicability information, loan amount information, and applicable interest rate information to the user terminal 2 and transmitting a subscription approval signal for the loan product; A control unit for driving and controlling each processor in response to an access signal and a condition setting signal from the user terminal 2, and controlling a process of extracting a file from the database 20 and transmitting the file to the terminal during file storage or reading; A credit information / loan inquiry processor for querying the credit information and the expected information of the customer transmitted in association with the credit information company server 22 and monitoring the corresponding customer information at regular intervals to manage the risk change; Loan risk index arithmetic processor for evaluating the payment ability according to the credit information and expected information, customer industry information and job title and salary information transmitted in conjunction with the credit information company server 22 and calculate the risk index accordingly Wow; A loan information management processor for managing loan information sold to a customer, that is, loan amount information and period information, principle fund setting information, and deferment information; A loan processing processor interworking with the loan information management processor 32 to automatically process payment processing of the loan amount to a customer designated account; A loan repayment management processor interworking with the loan information management processor 32 for managing the principle payment repayment state according to the loan amount, deferred information, and repayment condition information; Loan subscription information and credit information and payment ability information transmitted from the user terminal 2 through the financial server 6, the risk rate information and loan amount information, loan interest rate information calculated through the customer information Automated loan management system for employees of public institutions, characterized in that the database is stored. The method of claim 6, wherein the loan risk index calculation processor 30 reflects the customer's mortgage status, mortgage value information, credit loan status, and business / job title for employees or employees of public institutions. Determining the loan risk and loan amount by calculating the overall risk index by averaging the risk index pre-connected for each piece of information, and applying the delinquency value at the time of delinquency by reflecting the customer's repayment status after the sale of the loan product Reflecting the amount of emergency reimbursement request to generate a reimbursement request signal, and if the repayment without a certain amount of arrears, the additional loan amount is calculated and notified to the user terminal (2) automatic loan management of employees of public institutions system.

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