WO2016171491A1

WO2016171491A1 - System for evaluating loan eligibility and drafting contract by using mobile terminal

Info

Publication number: WO2016171491A1
Application number: PCT/KR2016/004160
Authority: WO
Inventors: 강재원
Original assignee: (주)에스엠소프트
Priority date: 2015-04-22
Filing date: 2016-04-21
Publication date: 2016-10-27
Also published as: SG11201810446UA

Abstract

The present invention relates to a system for evaluating loan eligibility and drafting a contract by using a mobile terminal, and comprises: a user terminal (100) having a loan web application installed therein so as to transmit, in an image form, a document necessary for a loan evaluation, and receiving a loan contract form transmitted by a financial institution, such that the same is transmitted again to the financial institution after providing blanks to be filled in by hand and a signature on a screen of corresponding sections; and a financial institution computer server (200) determining loan eligibility by evaluating the document necessary for a loan evaluation, received from the user terminal (100), so as to transmit the loan contract form to an eligible person for a loan, and receiving, from the user terminal (100), and storing a loan contract in which the blanks to be filled in by hand and the signature have been completed.

Description

Loan eligibility screening and contract creation system using mobile terminal

The present invention relates to a system for facilitating the convenience of both customers and lenders by judging whether a user is entitled to a loan (loan) simply and safely using a mobile terminal and creating a contract based thereon.

In the existing loan process, the lending process is performed by lending customers visiting a financial institution such as a bank in person and applying for a loan. The staff at the financial institution will request the review team to decide whether to approve the loan based on the loan application. If the loan is approved at the stage of the review product, the staff will contact the customer by wire. You will be asked to visit.

When a customer revisits the bank and signs a loan agreement in response to such a request, a loan transaction can be concluded, which causes time-consuming expenses caused by the customer's return visit to the bank and loss of sales force of the counter staff who responds to the visited customer. do.

In order to alleviate this inconvenience, the application documents (screening evidence) can be sent directly to the mobile terminal of the loan broker or the screening staff. However, the problem with this method is the documentary evidence of the personal information. Is stored in personal terminals of employees of financial institutions, which is likely to cause damage such as personal information leakage.

Therefore, it is necessary to introduce a new type of loan screening and contracting system that can rule out the possibility of personal information leakage through the terminal of loan brokerage or screening without directly visiting financial institutions.

The object of the present invention created to solve the above problems is as follows.

First, it is an object of the present invention to provide a new system that can effectively prevent the problem of personal information leakage that may occur incidentally in the process of loan application and examination, and contract creation through a mobile terminal.

Second, it is another object of the present invention to provide a new system that can quickly and conveniently perform loan application, examination and contract creation through a mobile terminal.

Third, another object of the present invention is to provide a new system capable of minimizing document storage and management costs by computerizing all loan-related documents.

Fourth, another object of the present invention is to provide a new system adopting a method of writing by hand on a screen rather than a simple electronic signature when creating a contract.

Fifth, another object of the present invention is to provide a system that enables loan screening and contract creation even when no certificate or biometric information is stored.

The present invention relates to a loan qualification system using a mobile terminal.

The present invention is installed on the loan web application to transmit the documents required for the loan screening in the form of an image, receiving a loan agreement form sent by the financial institution to write the handwritten description and handwritten signature on the screen of the relevant column and then sent back to the financial institution A user terminal 100; And, after reviewing the documents required for the loan screening received from the user terminal 100 determines the loan eligibility, and sends the loan agreement form to the loan qualified person, the loan agreement completed the handwritten description and the handwritten signature on the user terminal (100) It is configured to include; financial institution computer server 200 for receiving and storing from.

When the financial institution computer server 200 requests a personal identification number through the user terminal 100, the financial institution computer server 200 assigns a personal identification number to the user terminal 100 and transmits the personal identification number to the user terminal 100. When a personal identification number is input through the terminal 100 and transmitted to the financial institution computer server 200, the financial institution computer server 200 checks whether or not it matches the assigned personal identification number and performs identity verification.

When the personal authentication is completed, the financial institution computer server 200 requests the documents required for the loan examination to the user terminal 100, and the documents required for the loan examination transmitted through the user terminal 100 are the user terminal ( When shooting sequentially according to the items suggested by the loan web application using the camera function of 100) is stored only in the loan web application, and after transmitting the photographed image to the financial institution computer server 200, the user terminal ( 100) is not stored separately.

In the loan agreement form transmitted to the user terminal 100 of the loan qualified person, the approved loan amount, loan interest rate, and loan period as the result of the loan qualification screening performed by the financial institution computer server 200 are displayed in the corresponding column or It is readable on any one of the upper side, the lower side, the right side, or the left side, and the customer checks the displayed contents and writes them directly on the screen in the relevant column according to the displayed contents. Write directly above.

1 is a conceptual diagram showing the overall configuration of the present invention.

2 is a block diagram illustrating a procedure according to a specific embodiment of the present invention.

Figure 3 is a specific embodiment of the content displayed on the screen of the user terminal 100, (a) the screen is displayed readable on the upper side of the corresponding column describing the loan interest rate is the approved loan interest rate, and (b) displayed Each state is shown on the screen of the relevant column by hand according to the loan interest rate.

Figure 4 is a specific embodiment of the content displayed on the screen of the user terminal 100, (a) if the approved loan rate is displayed in the corresponding column to describe the loan rate faintly, and (b) to the displayed loan rate Accordingly, each state is shown directly on the screen of the corresponding column by hand.

Figure 5 is a specific embodiment of the content displayed on the screen of the user terminal 100, (a) the instructions to sign the handwritten signature is readable on the upper side of the column of the handwritten signature, and (b) the displayed guide Accordingly, each state is handwritten on the screen of the corresponding column.

6 is a block diagram illustrating a procedure according to another specific embodiment of the present invention.

[Description of the code]

100: user terminal

200: financial institution computer server

210: Financial institution database

Hereinafter, specific embodiments of the present invention will be described in detail with reference to the accompanying drawings.

The user terminal 100 is installed with a loan web application, the customer needs the loan using the respective user terminal 100 transmits the documents required for the loan examination in the form of an image, and the loan agreement form sent by the financial institution After receiving and writing the handwritten information and the handwritten signature in the relevant column, it can be sent back to the financial institution.

The financial institution computer server 200 determines the loan eligibility by examining the documents required for the loan examination received from the user terminal 100 and transmits a loan agreement form to the loan qualified person. A customer who needs a loan receives a loan agreement form through his / her user terminal 100 and completes the loan agreement after completing the handwritten description and the handwritten signature using the user terminal 100, the financial institution computer server 200 The financial institution computer server 200 stores the data in the financial institution database 210 and transmits the corresponding amount to the account designated by the customer. The handwritten base and the handwritten signature can be easily performed by using a touch pen provided in a smart phone or the like, and when a touch pen is not provided, a tool which can substitute the same can be used.

This loan (rental) eligibility examination and contract creation is made in the steps as shown in FIG.

First of all, a loan web application should be installed in the user terminal 100 of the customer who needs a loan. Such a loan web application may be installed by a customer directly selected from an app store or a play store, or the financial institution computer server 200. When a loan counseling request is made, the financial institution computer server 200 may transmit and install a loan web application to the user terminal 100. That is, the customer may install by clicking the loan web application sent from the financial institution computer server 200.

When the customer requests his / her own authentication number to the financial institution computer server 200 using the user terminal 100 with the loaned web application, the financial institution computer server 200 grants the user authentication number to the user terminal 100. Will be sent to.

When the customer authentication number entered by the customer through the user terminal 100 is transmitted to the financial institution computer server 200, the financial institution computer server 200 performs the identity verification procedure to check whether or not match with the given personal identification number. .

When the self-authentication procedure is completed, the financial institution computer server 200 requests the user terminal 100 for the documents required for the loan examination.

The documents required for the loan examination are as follows.

If the customer needs a loan, the employee's employment certificate, ID card, payroll copy, withholding tax receipt, medical insurance payment record, resident registration copy or herb, and business owner's certificate, VAT payment record, ID card, resident registration copy Includes herbal and business photos.

Documents necessary for the loan examination transmitted through the user terminal 100 are stored only in the loan web application when photographed sequentially according to the items presented by the loan web application using the camera function of the user terminal 100. After transmitting the image to the financial institution computer server 200 is not stored separately in the user terminal (100).

Of course, by adding a separate optional function, it is possible to save separately in the storage folder in the smartphone.

The financial institution computer server 200 is provided with an amount of pay or VAT included in the documents required for the loan screening transmitted from the user terminal 100, and an score given according to the existing loans and delinquency status received from an external credit rating agency. The reference table is preset.

The financial institution computer server 200 calculates an evaluation score by summing the scores according to the evaluation criteria table and determines whether the loan is eligible, the loan amount, the loan rate, and the loan period based on the evaluation score.

When the loan eligibility is determined, the financial institution computer server 200 transmits the loan contract form to the user terminal 100 of the loan qualified, the loan contract form is displayed on the screen of the user terminal 100, the customer is such a The relevant information is written directly on the screen of the user terminal 100 and the signature is handwritten.

That is, on the screen of the user terminal 100, any of the upper, lower, right, or left side of the corresponding column to be written by the approved loan amount, loan rate, and loan period as a result of the loan qualification screening performed by the financial institution computer server 200 It is readable on one side, and the customer writes directly on the screen of the corresponding column by hand according to the displayed content, and the customer writes directly on the screen by hand even in the corresponding column to be signed by hand.

Figure 3 shows the contents displayed on the screen of the user terminal 100 by way of example, Figure 3 (a) is a readable display on the upper side of the column describing the loan interest rate (%) of the approved loan rate 3 (b) shows a state in which the annual interest rate of 34.894 (%) is written directly on the screen of the corresponding column by hand according to the displayed loan interest rate (%). Loan amount and loan period are also written in this way.

In some cases, the result of the loan qualification screening performed by the financial institution computer server 200, the approved loan amount, loan interest rate and loan period are displayed in a corresponding field to be written by hand, so that the customer can write on the screen by hand. 4 illustrates an example of the contents displayed on the screen of the user terminal 100. FIG. 4 (a) shows the amount of the approved loan rate (%). FIG. 4 (b) shows the state directly written on the screen of the corresponding column according to the loan interest rate (%) shown in FIG. 4 (b). The loan amount and the lender are also written in this way.

After the handwriting is completed, click the Apply button and the handwriting will be filled in the handwriting section of the loan agreement form.

That is, by the method shown in Figure 3 or Figure 4 can be written in the loan amount, loan interest rate (%) and the period of the loan, the loan customer's account must also be listed together to receive the remittance.

In the corresponding field of handwritten signature, the customer writes directly on the screen by hand as shown in FIG. 5, and FIG. 5 (a) shows a screen readable on the upper side of the corresponding field where the handwritten signature is signed. By way of example, Figure 5 (b) shows by handwritten signature on the screen of the corresponding column by hand in accordance with the displayed guidance by way of example. After signing the handwriting and clicking the Apply button, the handwriting signature will be filled in the handwritten signature field on the loan agreement form.

As such, when the handwritten description is completed in the relevant field requiring the handwritten description of the loan agreement form, the screen automatically moves to the next applicable field so that the handwritten description can be made sequentially. By using the completion button, such automatic movement can be performed.

If you do not choose to move automatically, you can go directly to the relevant field where you need to fill out the loan agreement form. You can go to the corresponding location by enlarging or reducing the screen through the touch screen.

When the handwritten description and the handwritten signature are completed, the corresponding loan agreement is transmitted to the financial institution computer server 200, and the financial institution computer server 200 receiving the handwriting transfers the loan amount to the loan account described by the customer.

In addition, the financial institution computer server 200 stores documents, loan contract forms, customer names, loan accounts, loan eligibility, loan amount, loan rate, and loan period, etc., which are required for the loan examination transmitted through the user terminal 100. Financial institution database 210 is included to continuously manage information about the customer, such information is not accessible to the general staff, only some employees allowed access to the information in the financial institution database 210 Access and retrieve the information.

In addition, the financial institution database 210 stores the delinquent information when the loan interest rate or principal delinquency of the loan amount occurs, and stores the delinquent information. Customer information may be utilized.

Loan (loan) eligibility screening and contract creation may be made in the steps as shown in Figure 6, the process of installing a web application for loans on the user terminal 100, identity verification procedure using a personal identification number, loan examination Shooting and transmission of necessary documents, loan eligibility screening process, financial institution computer server 200 determines the loan eligibility, loan amount, loan rate and loan period, and the loan agreement form to the user terminal (100) of the loan eligible The same procedure as in the case of FIG. 2 is omitted until the transmission process.

If the loan eligibility is determined, the financial institution computer server 200 transmits the loan contract form to the user terminal 100 of the loan qualified, if the loan contract form from the financial institution computer server 200 is transmitted to the user terminal 100 The web application installed in the user terminal 100 detects whether there is a public certificate or biometric information stored in the user terminal 100, and if there is a public certificate or biometric information for public certification, the public certificate password or public certification Present a screen for entering biometric information.

If the password or biometric information entered by the customer through the user terminal 100 matches the pre-stored password or biometric information, the web application of the user terminal 100 may provide a loan agreement form through the screen of the user terminal 100. do.

The accredited certificate here means a certificate issued by a pre-designated accredited institution, and depending on the issuer of the certificate, there may be a request for a social security number along with a password.

The biometric information for accredited certification is used as a means of confirming the identity of each individual by registering the physical characteristics of each individual, such as the iris and fingerprint of the customer, in advance with the user terminal (100). ), It can perform the same function as the public certificate that is already commercialized. The only difference is that it does not check whether the set password matches, but checks whether the registered biometric information matches.

If there is no public certificate or biometric information stored in the user terminal 100, the web application of the user terminal 100 presents a screen to confirm whether there is a willingness to write a loan agreement without going through the authentication process, and the customer Entering the loan agreement preparation intention through the user terminal 100 provides a loan agreement form through the screen of the user terminal 100. If you do not enter the intention to write a loan agreement, the procedure will be terminated as if you do not intend to write a loan agreement.

Check the contents of the loan qualification, loan rate and loan period approved by the financial institution computer server 200 on the loan agreement form transmitted and provided to the user terminal 100, and write the corresponding column according to the displayed contents. The method of writing directly on the screen of the screen and writing the signature on the screen of the customer by hand is the same as the method shown in FIGS. 3 to 5, and also includes the account of the loan customer so that the loan can be remitted. Must be filled out.

As described above, when the handwritten description is completed on the screen of the relevant field requiring the handwritten description of the loan agreement form, the screen is automatically moved to the next relevant column so that the handwritten description can be sequentially made in the description of FIGS. 3 to 5. The redundant description is omitted.

When a loan agreement is created through an accredited authentication procedure in the user terminal 100, when the handwritten description and signature are completed, the loan agreement is transmitted to the financial institution computer server 200, and the financial institution computer server 200 that receives the loan agreement is a customer. The loan amount will be remitted to the loan account.

If the loan agreement is made without going through the authentication process in the user terminal 100, the web application of the user terminal 100 presents a screen requesting the customer to input a fax number or an email address.

When a customer enters a fax number or an e-mail address through the user terminal 100, the user terminal 100 transfers the fax number or e-mail address inputted together with the loan agreement prepared without going through the authentication process to the financial institution computer server 200. send.

The financial institution computer server 200 resends the loan agreement form to the corresponding fax number or e-mail address, and prints the loan agreement form resent by fax or e-mail as a print and rewrites the loan agreement with handwritten items and handwritten signatures. This is photographed by the user terminal 100 and transmitted to the financial institution computer server 200.

The financial institution computer server 200 stores the loan agreement photographed and transmitted together with the loan agreement created without going through the authentication process in the financial institution database 210, and transfers the loan amount to the loan account described by the customer.

If necessary, the original loan agreement, rewritten and handwritten, and signed by handwritten signature, may be delivered to the financial institution by separate registered mail.

As described above, specific embodiments of the present invention have been described with reference to the accompanying drawings, but the scope of protection of the present invention is not necessarily limited to these embodiments, and various design changes and disclosures are made without departing from the technical spirit of the present invention. In the case of addition or deletion of technology, and simple numerical limitations, it is obvious that the scope of the present invention is included.

Technical effects according to the configuration of the present invention are as follows.

First, it is possible to effectively prevent the problem of personal information leakage that may occur incidentally in the process of loan application and screening through the mobile terminal, and contract creation.

In other words, the loan (loan) method using the existing mobile terminal sends and receives documentary evidence and contracts through the personal mobile of the loan brokerage or screening staff, these loan-related documents contain the customer's valuable personal information Unexpected damage could occur if such personal information stored in personal mobiles of loan employees were illegally distributed. However, in the present invention, loan documents are not transmitted to the personal mobiles of financial institution employees. through Only a small number of employees who are transferred directly to the financial institution's computer server and have access to such information can access this information, preventing damages caused by personal information leaks.

Second, loan application, screening and contract creation can be done quickly and conveniently through the mobile terminal.

In other words, if a customer visits the lender directly and cannot request a loan review, if the customer lives in a remote location, or if it is difficult to sit on the PC screen and make an agreement, the customer always carries a personal mobile terminal. By being able to contact the financial institution quickly, it can satisfy the convenience of customers and at the same time, it can improve sales and improve the image of the financial institution.

Third, it is possible to minimize the cost of document storage and management by computerizing all loan-related documents.

In other words, the office space of the lender-related financial institution is filled with loan examination documents and contract documents, which are clients' credit documents. In some cases, the same client documents are duplicated or printed and stored. Therefore, by storing and managing customer documents, etc. in the computer system using the present invention, the inquiry and screening through the computer screen is performed, thereby reducing the cost of unnecessary documents and eliminating the need for office space for document storage. It can be reborn as a space for commercialization, and it can also improve the efficiency of work by processing the depreciation in the computer system even in the case of bad debts such as debt management.

Fourth, in accordance with the approved loan amount, loan interest rate, and loan period displayed on the screen of the mobile terminal, the customer writes directly on the screen by hand, and the customer writes the screen in the relevant field where the signature is handwritten. By directly writing above, if there is a legal dispute in the future, it is easy to check whether or not to write the handwriting, which can prevent unnecessary disputes.

Fifth, in case of using a mobile terminal that stores an accredited certificate issued by an accredited certification authority or biometric information for accredited certification, as well as using a mobile terminal that cannot carry out such accredited certification procedure, it is possible to make various screenings for loan qualification and contract. You can secure your customer base.

Claims

Regarding the loan qualification screening system using a mobile terminal,

A user terminal that installs a web application for loan and transmits the documents required for the loan examination in the form of an image, receives a loan agreement form sent by a financial institution, writes a handwritten form and a handwritten signature on the screen of the relevant field, and then sends it to the financial institution 100; And,

Examine the documents required for the loan examination received from the user terminal 100 to determine the loan eligibility, and then send the loan agreement form to the loan qualified person, the loan agreement completed the handwritten description and the handwritten signature from the user terminal 100 Receiving and storing financial institution computer server 200;

It is configured to include,

When the financial institution computer server 200 requests a personal identification number through the user terminal 100, the financial institution computer server 200 assigns a personal identification number to the user terminal 100,

When the personal identification number is input through the user terminal 100 and transmitted to the financial institution computer server 200, the financial institution computer server 200 checks whether the personal identification number matches the assigned personal identification number and performs identity verification. ,

When the personal authentication is completed, the financial institution computer server 200 requests the user terminal 100 the documents necessary for the loan examination,

The documents required for the loan examination transmitted through the user terminal 100 are stored only in the loan web application when photographed sequentially according to the items suggested by the loan web application using the camera function of the user terminal 100. After transmitting the captured image to the financial institution computer server 200 is not stored separately in the user terminal 100,

In the loan agreement form transmitted to the user terminal 100 of the loan qualified person, the approved loan amount, loan rate, and loan period as the result of the loan qualification screening performed by the financial institution computer server 200 are displayed in the corresponding column or It is displayed readable on any one of the upper side, the lower side, the right side, or the left side of the screen, and the customer checks the displayed contents and writes them directly on the screen of the corresponding column according to the displayed contents. Loan eligibility screening and contract creation system using a mobile terminal, characterized in that directly written by hand.
In claim 1,

The financial institution computer server 200,

A financial institution database 210 for storing documents, loan contract form, customer name, loan account, loan eligibility, loan amount, loan rate, and loan period transmitted through the user terminal 100;

Loan eligibility examination and contract creation system using a mobile terminal, characterized in that it comprises a.
In claim 2,

When the loan agreement form is transmitted from the financial institution computer server 200 to the user terminal 100, the user terminal 100 searches whether there is an official certificate or biometric information stored in the user terminal 100. If there is an official certificate or biometric information for public authentication, present a screen for inputting the certificate or biometric information for public certification, and the password or biometric information stored in advance through the user terminal 100 is stored in advance Loan eligibility examination and contract creation system using a mobile terminal, characterized in that to provide a loan agreement form through the screen of the user terminal 100 if the information matches.
In claim 3,

If there is no official certificate or biometric information for authentication authentication stored in the user terminal 100, the user terminal 100 presents a screen for checking whether there is a willingness to write a loan agreement without going through the authentication process, and the user The loan eligibility examination and contract creation system using a mobile terminal, characterized in that the loan agreement form is provided through the screen of the user terminal 100 when a loan agreement preparation intention is input through the terminal 100.
In claim 4,

When the loan agreement is made without going through the authentication process in the user terminal 100, the user terminal 100 presents a screen requesting input of a fax number or an e-mail address.

When a fax number or an e-mail address is input to the user terminal 100, the user terminal 100 sends the fax number or e-mail address inputted together with the loan agreement prepared without going through an authentication process to the financial institution computer server 200. Send,

The financial institution computer server 200 retransmits the loan agreement form to the corresponding fax number or email address,

If the loan agreement is outputted after retransmitted by fax or e-mail and written by the customer by handwriting and handwritten signature is photographed by the user terminal 100 and transmitted to the financial institution computer server 200, the financial institution computer server 200. The loan eligibility examination and contract creation system using a mobile terminal, characterized in that stored together with the loan agreement created and taken and sent to the financial institution database 210 without going through the authentication process.
In claim 4,

Loan eligibility examination using a mobile terminal, characterized in that the handwritten description is made sequentially by moving the screen automatically to the next relevant column when the handwritten description is completed in the relevant field requiring the handwritten description of the loan agreement form presented on the screen of the user terminal 100 And contracting system.
In any one of claims 1 to 6,

The mobile web application installed in the user terminal 100 is installed through an app store or a play store, or is transmitted and installed directly from the financial institution computer server 200 to the user terminal 100. Loan eligibility screening and contract creation system using a terminal.
7. The method of claim 1.

Documents necessary for the loan examination,

In the case of an employee, a certificate of employment, identification card, a copy of payroll book, receipt of withholding, medical insurance payment record, resident registration or a copy of it shall be included.

In the case of a business, a loan eligibility screening and contract creation system using a mobile terminal, characterized in that it includes a business registration certificate, VAT performance record, ID card, resident registration copy or herbal, and a business photograph of the workplace.
In any one of claims 1 to 6,

The financial institution computer server 200,

Since the salary or VAT included in the documents required for the loan screening transmitted from the user terminal 100, the evaluation criteria table given the scores according to the existing loans and delinquency status received from external credit rating agencies are set in advance. Computing loan eligibility and contract creation system using a mobile terminal, characterized in that to calculate the evaluation score by summing the scores according to the evaluation criteria table and determine whether the loan is eligible, loan amount, loan interest rate and loan period.