KR20150091686A - Without personal identification information, Loans by financial institutions or rent Security Deposit Loan Rate, Loan Limit, Loan repayment period, Loan repayment method Will be compared by calculating inquiry system - Google Patents

Abstract

The present invention provides a provisional inquiry system calculating and comparing credit loans of each financial institute or security deposit loan rate, loan limit, loan repayment period, and loan repayment method without personal identification information. The provisional inquiry system comprises: a step of, by a user, inputting information except for personal identification information of the user (business field, individual business or not, income, credit rating, age, gender, property, married or single, and total amount of debt) into a client terminal (a wired terminal and a wireless terminal); a step of transmitting an input information condition except for the personal identification information of the user to a host server through the internet by using the client terminal; and a step of downloading data of a calculated credit loan product of each financial institute from the host server into the client terminal of the user through the internet. According to the present invention, the personal identification information and accredited certification are unnecessary such that there is no break of the personal identification information and information of the accredited certification, thereby preventing a financial accident. The time taken to input and check the personal identification information and the accredited certification can be reduced, and loan repayment information of each of various financial institutes can be checked. Therefore, one financial institute with the lowest interest rate can be selected from the financial institutes by comparing the loan repayment information.

Description

{Without personal identification information, it is possible to calculate and compare a credit loan or a pre-rental mortgage loan interest rate, a loan limit, a loan repayment period, Loan Rate, Loan Limit, Loan repayment period, Loan repayment method

The present invention relates to a credit loan product of a financial institution (such as a loan interest rate of a credit loan by a financial institution, a loan amount of a loan by a financial institution) without a user identification information (such as a resident registration number, a mobile phone number, a name, an address, The loan rate of the credit loan by the financial institution without the personal identification information which is calculated by calculating the optimized credit company loan or the rental deposit of the monthly or monthly rental deposit calculated by the user by calculating the limit, loan repayment period, loan repayment method, , A loan limit, a loan repayment period, and a loan repayment method.

Recently, financial institutions are providing corporate banking services to corporate customers and employees who work for companies. This corporate banking service adds a banking function to the basic functions (e.g., e-mail, electronic approval, schedule management, messenger, etc.) of the intranet in the enterprise, and allows a company employee to access various financial services such as remittance, Etc.) to be provided.

A loan is a legal contract (money consumption loan contract) in which a transaction customer borrows funds from a financial institution and repays the principal of the loan to the date on which the interest is paid based on the interest at the agreed interest in exchange for the loan. (A person who does not have such a qualification) is required to have a certain qualification (law act ability) as stipulated by the Civil Law, since a person who becomes a debtor or a guarantor must have certain qualifications , The financial institution will examine the legal qualifications of the debtor and the guarantor to make a legitimate and valid (legally complete) contract because the transaction can be canceled or invalidated by law at any time. In general, a person who is or becomes a guarantor of the above debtors who has been recognized as having no ability to manage his / her own property from the court and who has been sentenced to incompetence and / or a special punishment and / or bankruptcy, or a minor (Or foreigner), or a credit-impaired person who has a bad credit on his / her personal credit information, is excluded from the loan. (Of course, in the case of a minor, a loan can be made through an agent, Foreigners) can be borrowed with a certain limited amount under relevant laws such as the Foreign Exchange Control Act).

In the above-mentioned loan, the lending to individual customers is largely determined by the creditworthiness of the customer, and a credit loan is established. In the case of a financial institution, a loan is set up for securing the loan in preparation for the default of the debtor Mortgage loans.

The above-mentioned credit is a loan which is calculated by a financial institution such as a customer's economic activity, transaction details, family matters, etc., and calculates a loan amount and / or an interest rate and / or a loan period. The loan is a pure unsecured credit loan, It is classified as a credit loan that establishes a guarantee of a credit guarantee company. In order for a certain customer to provide a credit loan service, it is basically necessary to provide his or her identification card and employment certificate. In case of a guarantor, (For example, in the case where the guarantor is an earned income tax payment document, a document certifying the employment certificate and the earned income amount, and / or the guarantor's property tax payment qualification, the property tax payment receipt (or the property tax tax certificate) Transcripts) are required.

In the case of a mortgage loan in which the mortgage lender establishes a mortgage for securing the loan against the default of the debtor, the loan applicant can obtain a predetermined collateral possessing authentication document including the registered portion of the collateral, a resident registration copy, The financial institution (or the appraisal institution that commissioned by the financial institution) submits the appraisal report including the appraisal and the predetermined appraisal based on the document, and after the appraisal evaluation, A seal stamp, a seal stamp, and a registration right certificate from the applicant for the purpose of establishing a martial law of the above-mentioned collateral, and reviews the submitted documents to determine whether to approve the loan to the applicant.

In Korean Patent Laid-Open Publication No. 1020090019033 (Feb. 25, 2009), a step of receiving a customer's online credit application information from a server, a step of confirming a banking access channel of a customer who has transmitted the credit application application information from a server If the banking access channel is an intranet banking channel of an enterprise other than a general Internet banking channel, checking the interest rate applying agreement information with the company in the server, and checking the interest rate applying agreement information with the server A method and system for calculating a loan interest rate differential by banking channel including a step of calculating a credit loan interest rate of the customer in response to a request from a customer,

In Korean Patent Laid-Open Publication No. 1020100055854 (May 28, 2010), the customer freely selects the period of the variable interest rate set as the reference interest rate, and manages setting information of the option interest rate for each customer, so that different loan rates can be applied to each customer And to set the upper limit of interest rate according to the choice of the customer, to deal with the derivative product for hedging against the rise in the loan interest rate, and to make the base rate automatically apply to each customer below the upper limit, The interest rate setting management system is described,

When an account is opened in a non-face-to-face manner without verifying the real name through face-to-face authentication, the above-mentioned account book is provided with a limit on the account and a real name Adding the supplementary ledger to the account ledger in a ledger detachment manner; Confirming the customer information registered by the customer at the time of opening the account, including the customer information, the home address, the work address, and the frequent visiting points, and storing the confirmed customer information in the ledger; Confirming whether the blind date confirmation part is deleted from the account ledger in a detached manner and confirming the base point information stored in the ledger if the blind date confirmation part is not deleted; Extracting (or generating) real name verification agency information in a local scope (or a neighboring region range) such as the confirmed agent information; And transmitting the real name verification guidance information including the extracted (or generated) real name verification agency information to the client terminal; , A method and a recording medium are disclosed,

In Korean Patent Laid-Open Publication No. 1020060085765 (2006.07.28), there is provided a method of providing a mobile terminal, comprising the steps of: providing a predetermined unique identification information from a wireless terminal of a customer to a server on a network; A second step of extracting customer information corresponding to the unique identification information of the customer provided by the customer wireless terminal from a predetermined storage medium; And a third step of checking, extracting or calculating a loan condition including a loan condition, a loanable amount, a loan interest rate, etc. corresponding to the customer information extracted from the storage medium by the server and performing a loan process corresponding to the loan application And a wireless terminal and a recording medium for the method and system,

A method of processing a wireless loan executed by a server communicating with a wireless terminal of a customer, comprising the steps of: receiving, from a customer's wireless terminal, When the customer's unique identification information is received and customer information for confirming the customer's lending condition corresponding to the received unique identification information is confirmed, the customer's lending condition is confirmed based on the confirmed customer information, The method further comprises providing the confirmed lending condition to the customer's wireless terminal, wherein the lending condition includes at least one of a lendable amount and a lending interest rate.

1. Korean Patent Laid-Open Publication No. 1020090019033 2. Korean Patent Laid-Open Publication No. 1020100055854 3. Korean Patent Laid-Open Publication No. 1020100061925 4. Domestic Published Patent Publication No. 1020060085765 5. In Korean Patent Laid-Open Publication No. 1020120041711

As described above, in the conventional technology, the base money rate information and the option information for the loan provided from the financial server are received, and the interest rate option item is selected to input the selection signal to the financial server, and the interest rate application information reflecting the option is received A user terminal for outputting a screen image; A clerk terminal for receiving the reference interest rate information and the option information for the secured loan provided from the financial server and displaying the screen on the screen and inputting interest rate option information to the financial server; Receiving the reference interest rate information and the option information viewing signal for the loan from the user terminal or the desk terminal, transmitting the information, receiving the interest rate option information from the user terminal or the terminal and registering the selected interest rate option, And a financial server for calculating the loan interest rate applied to the reference interest rate and the like,

The problem of the present invention is the disadvantage of requiring personal identification information and a public certificate, inputting such information, and causing financial accidents by inputting individual identification information.

In order to solve the above-mentioned problems, the present invention is directed to a method and apparatus for controlling the operation of a microcomputer, such as a microcomputer, A comparison of real estate mortgage loan conditions by financial institution is an improvement of the inquiry system. It is the improvement of the inquiry system of the credit loan products of financial companies without personally identifying information (personal identification information such as resident registration number, mobile phone number, name, address, passport number) (The loan interest rate, the loan limit, the loan repayment period, the loan repayment method, etc.) based on the conditions of the loan It is an object of the present invention to provide an inquiry system that compares and compares a loan interest rate, a loan limit, a loan repayment period, and a loan repayment method of a loan or an entire month rent deposit loan.

According to the present invention, it is possible to prevent financial accidents because personal identification information and a public certificate are not needed and there is no leakage of personal identification information and public certificate, and it is possible to reduce the time for inputting and checking personal identification information and public certificate, It is possible to know the loan repayment information, and to compare such information to select the financial institution with the lowest interest rate.

Fig. 1 is an overall view of a system for calculating and comparing the loan interest rate, the loan limit, the loan repayment period, and the loan repayment method of a credit loan by a financial institution or an entire or monthly rental deposit loan without personal identification information of the present invention.

According to an aspect of the present invention, there is provided a method of providing a user terminal, the method comprising: inputting a condition excluding a user's personal identification information to a client terminal (a wireless terminal)

Transmitting the condition excluding the input user's personal identification information to the host server via the Internet using the client terminal;

Applying information excluding personal identification information of the user transmitted from the host server to data of the loan products of the financial institutions inputted in the above and calculating data corresponding to conditions inputted by the user to obtain accurate information;

Downloading the data of the calculated loan product per financial company from the host server to the client terminal of the user via the Internet,

The user is provided with the information of the loan product and the financial company of the optimal financial company meeting the conditions provided by the client terminal, and finally receives the information of the loan company or the rental deposit A loan rate limit, a loan limit, a loan repayment period, and a loan repayment method.

In the present invention, a loan can be divided into a credit loan and a previous month's rental deposit loan,

The condition of the loan product of the financial company (the credit loan of the financial institution or the loan of the rental deposit of the monthly rental deposit, etc.) without the personal identification information (personal identification information such as resident registration number, mobile phone number, name, address, passport number, The interest rate, the loan limit, the repayment period of the loan, the repayment method of the loan, etc.) to obtain the optimal loan conditions for each financial company calculated by the user. A loan rate limit, a loan limit, a loan repayment period, and a loan repayment method.

The present invention will be described in more detail as follows.

1. The user enters information (presence or absence of a business group or business, income, credit rating, age, gender, proprietary property, marital status, total liability amount held) excluding the user's personal identification information to the client terminal After that,

2. If information other than the inputted personal identification information of the user is transmitted to the host server via the Internet using the client terminal

3. Applying the information except for the personal identification information of the transmitted user to the data of the financial institution credit loan or the rental deposit for the rental deposit of the financial institution inputted above, and calculating the data according to the condition inputted by the user, In addition,

4. The data of the credit loan product or the monthly or monthly rental deposit loan product calculated by the financial institution is downloaded from the host server to the client terminal of the user

5. The user shall download the information of the financial institution's credit loan product or the whole, monthly rental deposit loan product and the financial company according to the information (condition) provided by him without the personal identification information at the client terminal, The bank will proceed with the credit loan or the rental of the rental deposit for the whole month or month, directly to the financial institution or the related person of the credit loan commodity or the financial company that has registered the rental commodity for the whole or monthly rental deposit.

The host server of the present invention is provided with a financial server for providing financial institution with credit loan product data of each financial corporation and credit data of a financial institution (a credit rating capable of credit lending, a credit lending limit based on a total debt amount of a credit lender applicant, The credit limit, the credit limit, and the loan interest rate, depending on the credit limit, the credit limit, the credit limit, the credit limit, Credit lending rate limit and credit loan limit according to gender, credit loan rate and credit limit according to gender, credit loan rate and credit limit according to age, credit loan rate according to marital status, credit limit) ,

The information (telephone number, address, name, registration code, financial company information, e-mail, homepage) data of the credit company or the person in charge of the credit loan product is stored in the host server.

The host server of the present invention compares the information of the individual excluding the personal identification information inputted by the user through the user's wireless terminal with the credit loan condition of each financial institution inputted in the host server, , The type of interest rate, the period of the loan, the repayment method, the information of the financial company, and the information of the registrant of the loan product, and provides it to the client terminal of the user.

  In addition, the host server of the present invention has built-in information of the real estate appraisal company, the financial company, and rental and lease deposit loan condition data. More specifically, the host server has a credit rating, a charter, According to the debt amount, the lease limit, the lease deposit limit, the lease deposit rate, the credit rating of the credit rating agency, the lease limit of the lease deposit, the lease of the lease deposit, the lease of the rent deposit, Rent, lease deposit interest rate, lease by business and company, lease deposit loan interest rate and lease, lease limit of monthly rent deposit,

Lenders are not allowed to borrow money in the same way as a loan or a loan. However, there is no guarantee that the borrower will be able to borrow money from the borrower. Limit and so on,

Real-time quotes or emotional data announced to real estate appraisers applied to financial institutions in real-time.

The present invention includes at least one wired terminal or a wireless terminal used by a customer, and more specifically, a client terminal which is a device capable of internet selection selected from a smart phone, a tablet PC, a notebook, and a netbook is used.

The client terminal is connected to a communication channel with a host server through a communication network including at least one of a wired communication network and a wireless communication network.

According to one embodiment of the present invention, the customer accesses the host server through a client terminal selected from a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network, and the one or more financial companies The loan rate, the loan limit, the loan repayment period, and the loan repayment method of the individual credit loan can be known from the client terminal through the communication network.

The wired terminal is a general term of all terminal devices connected to a TCP / IP (Telecommunications Control Protocol / Internet Protocol) based communication network. The wired terminal is a desktop computer connected to the TCP / IP based communication network, a notebook computer, A home appliance terminal (e.g., a refrigerator, a set-top box, etc.) connected to the home network, and a kiosk (KIOSK) connected to the communication network.

The wireless terminal connected to the wireless communication network may be any terminal device connected to a CDMA (Code Division Multiple Access) / WCDMA / GSM based mobile communication network, all terminal devices connected to a wireless communication network based on HSDPA (High Speed Downlink Packet Access) (PCS) connected to the CDMA / WCDMA / GSM-based mobile communication network, and is a general term for all terminal devices connected to the 802.16x based portable Internet and all terminal devices connected to the IEEE 802.11x based wireless LAN. A personal digital assistant (PDA), a smart phone, a telematics (personal digital assistant) terminal, a personal digital assistant (PDA) Telematics), or a wireless data communication terminal connected to a HSDPA-based wireless data communication network, or the IEEE 802.16x-based portable The Internet, a portable Internet terminal, or a wireless LAN terminal, etc. connected to the IEEE 802.11x based wireless LAN connected to it is preferred comprising one or more than one.

The host server connected to the client terminal may be any one of an Internet banking server, a wireless banking server, a telephone banking server, and a TV banking server, or may include a separate web server depending on characteristics of the client terminal and characteristics of a communication network .

The communication network connecting the client terminal and the host server may be a CDMA / WCDMA / GSM based mobile communication network, an HSDPA based wireless data communication network, an IEEE802.16x based portable Internet, an IEEE 802.11 x-based wireless LAN, or all types of wireless communication networks including a wireless section, all of which are proposed in the future.

Also, the client terminal may output a user interface for knowing information on credit loans for one or more financial institutions provided by the host server, input (or select) one or more information through the user interface, (For example, a browser program and a communication function, or a program for communicating with the host server and a communication function, etc.).

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

Example 1

As shown in FIG. 1, when the user inputs information (such as presence or absence of a business group or a business, income, credit rating, age, gender, ownership, marital status, ), And then,

After transmitting the information excluding the inputted user's personal identification information to the host server via the Internet using the client terminal, the client terminal transmits the information to the host server through a communication network widely known in the art including one or more of a wired communication network or a wireless communication network. And a communication channel is used.)

The information excluding the personal identification information of the user transmitted from the host server is applied to the data of the financial institution credit loan product inputted in the above, and data corresponding to the condition inputted by the user is calculated to obtain accurate information.

The data of the credit loan product calculated by the financial company is downloaded from the host server to the client terminal of the user via the Internet via the Internet

The user was finally provided with the information of the credit loan product and financial company of the best financial company meeting the information (condition) provided by the client terminal.

Example 2

It is possible to calculate and compare the loan interest rate, the loan limit, the loan repayment period, and the loan repayment method of the credit loan by the financial institution without the personal identification information as in the first embodiment, A step of advancing a credit loan to a related person of a financial company that has registered the bank; And a credit facility at a financial institution.

Example 3

As shown in FIG. 1, when the user inputs information (such as presence or absence of a business group or a business, income, credit rating, age, gender, ownership, marital status, , Previous, monthly deposit, previous, and monthly payment addresses)

After transmitting the information excluding the inputted user's personal identification information to the host server via the Internet using the client terminal, the client terminal transmits the information to the host server through a communication network widely known in the art including one or more of a wired communication network or a wireless communication network. And a communication channel is used.)

(Condition) inputted by the user by applying the data of the financial institution charter, the monthly rental deposit data inputted from the above, and the data of the real estate quotes and sentiment received from the real estate appraiser, excluding the user's personal identification information transmitted from the host server, To obtain accurate information, and then,

The calculated data of the charter for the finance company and the rent deposit for the rental deposit are downloaded from the host server to the client terminal of the user via the Internet via the Internet

The user was finally provided with information on the best leasing company, lease rental deposit loan product, and financial company in accordance with the information (condition) provided by the client terminal.

Example 4

As in the case of the third embodiment, it is possible to calculate and compare the loan interest rate, the loan limit, the loan repayment period, and the loan repayment method of the charter for the financial institution, the rental deposit for the rental deposit without the personal identification information, Or renting a monthly rent deposit to a person in a financial company who has registered a rent or monthly rental deposit loan product; And loans from financial institutions.

Claims (2)

Claims: What is claimed is: 1. An inquiry system for calculating and comparing the loan interest rate, the loan limit, the loan repayment period, and the loan repayment method of a credit loan or a pre-
A step in which a user inputs information (presence or absence of a business group or a business, income, credit rating, age, gender, ownership property, marital status, total debt amount held) excluding the user's personal identification information to a client terminal ;Wow
Transmitting information to the host server via the Internet using the client terminal, excluding the inputted user identification information of the user;
Applying information excluding personal identification information of the user transmitted from the host server to the data of each financial institution credit loan product entered in the above and calculating data corresponding to the condition inputted by the user to obtain accurate information;
And downloading the calculated data of the credit loan product by the financial institution to the client terminal of the user through the Internet at the host server via the Internet. Or an inquiry system that compares and compares the loan interest rate, the loan limit, the loan repayment period, and the loan repayment method of the monthly rental deposit loan.
Claims: What is claimed is: 1. An inquiry system for calculating and comparing the loan interest rate, the loan limit, the loan repayment period, and the loan repayment method of a credit loan or a pre-
(User, mobile terminal, mobile terminal, wireless terminal) information excluding the user's personal identification information (presence or absence of a business group or business, income, credit rating, age, gender, proprietary property, marital status, total amount of debt held, , Before, and after)
After transmitting information to the host server via the Internet using the client terminal, excluding the inputted personal identification information of the user,
The information excluding the personal identification information of the user transmitted from the host server is applied to the data of the financial institution charter and the monthly rent deposit data inputted from the above and the data of the real estate quotes and sentiment received from the real estate appraisal company, To obtain accurate information,
The calculated data of the charter for the finance company and the rent deposit for the rental deposit are downloaded from the host server to the client terminal of the user via the Internet via the Internet
The user can use the financial information of the financial institution, such as the credit of the financial institution, the rental loan deposit product of the optimal financial company, and the information of the financial company, which are ultimately provided to the client terminal, The inquiry system compares the lending interest rate, the loan limit, the loan repayment period, and the loan repayment method of the monthly rent deposit guarantee loan.

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