KR100445269B1 - Loan System Of An Inverse Auction Type By A Weighting - Google Patents

Abstract

The present invention relates to a loan system of the reverse auction method by weight. To this end, the means for preparing a loan application including data on loan interest rate, loan amount, loan period, repayment method, auction period; Weight setting means for receiving weight data relating to each of the loan rate, loan amount, loan period, and repayment method from the applicant computer (16) or setting a predetermined weight; Transmission means for transmitting the data relating to the loan application to the server computers 14 of a plurality of financial institutions affiliated with each other in advance; Loan progress status display means for displaying in real time data regarding the auction end time, the current remaining time, and the total number of bidding institutions for the submitted loan application; Conversion means for receiving data on loan rates, loan amounts, loan periods, and repayment methods provided by the financial companies from the plurality of financial company server computers 14, and converting the received data into scores; And an enumeration means for enumerating the names of the financial institutions and the loan information presented in the order of the high scores of the converted scores.

Description

Loan System Of An Inverse Auction Type By A Weighting}

The present invention relates to a reverse auction loan system based on weights, and more particularly, to a loan applicant reflecting a loan condition that is important to the lender so that each financial company selects one of the loan products bid in reverse auction form. It relates to a reverse auction loan system.

In the conventional off-line system, loan applicants find financial institutions such as banks and insurance companies, and select or negotiate a desired loan condition to enter into a contract.

However, with the development of the Internet, many homepages of financial companies with lending services have appeared. These homepages were concluded by entering the amount or repayment method desired by the applicant.

However, since many financial companies are presenting loan products with similar conditions (interest rate, loan limit, etc.), it is difficult for applicants to find loan conditions that are just right for them, and it is easy to be a victim of collusion.

Recently, as the loan-related homepage has been set up, there is a confusion in the selection of loan applicants, and a disadvantage arises in that a lot of time, effort and information are required to select the optimal loan product.

Accordingly, the present invention has been made to solve the above problems, the first object of the present invention is to provide a loan system of reverse auction by weight to enable the loan applicant to enter the loan agreement most suitable for the desired loan conditions. It is.

It is a second object of the present invention to provide a reverse auction loan system with a weight that allows a plurality of financial companies to compete in a reverse auction form to conclude a loan contract on more favorable terms.

The third object of the present invention is to set a certain period as a bidding period, and the reverse auction loan based on the weight so that the applicant can be notified in real time of the auction progress by notifying the applicant through the Internet or an SMS service. To provide a system.

The object of the present invention as described above is a loan made from the applicant's computer 16 to obtain a loan through the Internet 10, and includes data on loan interest rates, loan amounts, loan periods, repayment methods, and auction periods. Loan application preparation means for receiving the application; Weight setting means for receiving weight data on each of the loan interest rate, loan amount, loan period, and repayment method from the applicant computer 16 or setting a predetermined weight; Transmission means for transmitting the data relating to the loan application to the server computers 14 of a plurality of financial institutions affiliated with each other in advance; Loan progress status display means for displaying in real time data regarding the auction end time, the current remaining time, and the total number of bidding institutions for the submitted loan application; Conversion means for receiving data on loan rates, loan amounts, loan periods, and repayment methods provided by the financial companies from the plurality of financial company server computers 14, and converting the received data into scores; And an enumeration means for enumerating the names of the financial institutions and the loan information presented in the order of the high scores of the converted scores.

In addition, the total of each weight of the loan interest rate, loan amount, loan period, and repayment method is 100, and each weight is preferably set arbitrarily in the range of 10 to 70.

In addition, the data on the loan rate, loan amount, loan period, repayment method of the applicant and each financial company is converted into a score by the conversion means,

It is possible to further include a graph display means for positioning the scores on the two-dimensional planes by intercepting the respective rectangular axes corresponding to the loan interest rate, the loan amount, the loan period, and the repayment method and connecting the intercepts in a straight line.

The object of the present invention as described above, (10-i) step of accessing the server apparatus 12 through the Internet 10 from the applicant's computer 16 to receive a loan (S10); (10-ii) designating weights for loan interest rates, loan amounts, loan periods, repayment methods, or setting the weights in advance (S12); (10-iii) a loan application preparation step of inputting corresponding data in a predetermined loan application (S14); (10-iv) specifying the auction period, and transmitting the designated auction period and the loan application data to the server device 12 to apply for a loan (S18); And (10-v) a loan application including a status check step (S19) of displaying the data about the auction end time, the current remaining time, and the total number of bidding agencies in real time based on the auction period with respect to the submitted loan application. And confirmation step; (20-i) if it is within the auction end time (S20), transmitting the loan application data to a plurality of financial institution server devices 14 affiliated with each other (S21); (20-ii) transmitting the loan condition proposed by each financial company to the operator server apparatus 12 as bid data (S23); And (20-iii) the auction bidding step comprising the step of assigning the weight to the bid data converted into a score and list by each financial company, and displaying the score in a graph (S25), (30-i) If there is a financial company (S31) that has responded to the bidding in the step of confirming the reverse auction bidding step, causing the loan applicant to select a financial company (S32, S33); (30-ii) if there is no selection of the financial company, designating the financial company with the highest score as a loan financial company (S34); And (30-iii) a reverse auction successful bidding step including transmitting and displaying detailed bid data provided by the financial company specified in step S32, S33, or S34 to the applicant's computer 16 (S36). It is also achieved by the loan method of reverse auction method by weight.

In addition, the loan application preparation step (S14), the step of applying for an SMS transmission service for transmitting the text data corresponding to the total number of bidding agencies, bidding, successful bidding, bidding to the number of the mobile communication terminal predetermined by the applicant (S16) It is preferable to further include).

Here, it is most preferable that the predetermined weight in the weight setting step S12 has a value of 30 for the loan rate, 25 for the loan amount, 22.5 for the loan period, and 22.5 for the repayment method.

The object of the present invention as described above, which is executable by a computer, connects the applicant's computer 16 and the server device 12 to receive a loan through the Internet (10) and input the corresponding data in a predetermined loan application form. Program code for receiving and transmitting to the server apparatus 12; Program code for assigning weights for loan interest rates, loan amounts, loan periods, and repayment methods, respectively, or for setting predetermined weights; Program code for displaying the data on the auction end time, the current remaining time, and the total number of bidding institutions in real time on the applicant's computer, based on the auction period, for the submitted loan application; A program code for transmitting the loan application data to a plurality of pre-affiliated financial institution server apparatuses 14 when it is within the auction end time (S20); Program code for transmitting the loan condition proposed by each financial company to the operator server apparatus 12 as bid data; Program code for assigning the weight to the bidding data, converting the score into a score, listing each financial company, and displaying the score in a graph; Reverse auction successful bidding step including a program code for transmitting to the applicant's computer 16 detailed bid data presented by the selected financial institution or the financial institution which will receive the highest score when one of the plurality of listed financial institutions is selected. It can also be achieved by a recording medium comprising a.

Other objects, specific advantages and novel features of the present invention will become more apparent from the following detailed description and the preferred embodiments associated with the accompanying drawings.

1 is a block diagram of a loan system of a reverse auction method based on weights according to the present invention;

FIG. 2 is a configuration diagram of a database inside the server device 12 shown in FIG. 1;

3 is a screen configuration diagram on a window for allowing the applicant to set weights according to the first embodiment of the present invention;

4 is a screen configuration diagram on a window for allowing an applicant to set weights according to a second embodiment of the present invention;

5 is a window screen configuration diagram of a loan progress status provided to enable the loan applicant to view the bidding status in real time;

6 is a window screen configuration diagram for showing a bid result in a graph and table according to the present invention,

7 is a flowchart illustrating a process in which an applicant applies for a loan using a loan system according to the present invention;

FIG. 8 is a flowchart illustrating a step of delivering a loan application according to FIG. 7 to an affiliated financial company and receiving a bid to end an auction; FIG.

9 is a flowchart illustrating a process of successful bidding or bidding based on the bidding result of FIG. 8.

<Short Description of Main Reference Signs>

10: Internet, 12: operator server device,

14: financial company server device, 16: applicant (member) computer,

20: member database, 22: auction application database,

24: financial company auction participation database, 25: financial company database,

26: auction application database, 30, 40: auction weight setting window

50: loan progress window, 60: loan condition comparison table window.

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

1 is a block diagram of a reverse auction loan system according to the present invention. As shown in Fig. 1, the hardware of the system is largely composed of the server device 12 of the operator, the server device 14 of the financial company, the client computer 16 of the multiple members, and the Internet 10 interconnecting them. .

The client computer 16 of the applicant (member) is a plurality of computers that are owned and operated by each individual, member, group, etc. that receive the service by the system of the present invention. Networked by / IP or PPP.

The server apparatus 14 of a financial company is networked with the terminal (not shown) which the employee of each financial company holds, and is connected via the Internet. For example, a loan clerk may bid for reverse loan auction through his terminal, and such data may be transmitted to the operator server device 12 directly through the Internet 10 or through the financial company server device 14. have. In FIG. 1, only one financial company server device 14 is illustrated, but a plurality of financial company server devices 14 held by each bank, insurance company, and the like may correspond to this.

The server device 12 of the operator operates the homepage concerning loan reverse auction according to the present invention and manages data of various members as a database. To this end, it is preferable that a plurality of database servers (not shown), an email server (not shown), a SQL server (not shown), an FTP server (not shown), and the like are embedded.

FIG. 2 is a configuration diagram of a database table inside the server device 12 shown in FIG. As shown in FIG. 2, the auction application DB 22 is provided at the lower part of the member DB 20, and a financial company auction participation DB 24 and a plurality of auction application DB 26 are formed at the lower part of the member DB 20. In addition, a financial company DB 25 affiliated with the financial company auction participation DB 24 is provided in advance.

It is configured to be interlocked by the master / master relationship (master-slave or primary-secondary) relationship of each of these database tables.

Member DB 20 is for storing and managing the identity of each member to apply for a loan application, the member's name, ID, password, email, address, contact, etc. are defined as fields.

The auction application DB 22 defines fields of the applicant's ID, the application code 54, the weight of the loan interest rate, the weight of the loan amount, the weight of the situation method, the weight of the loan period, and whether the bid is successful.

In addition, the financial company auction participation DB 24 stores and manages the data presented by each financial company participating in a large number of reverse auctions, and relates to the financial company ID, the application code 54, the company's successful bidding, and the loan products to be presented. Fields such as information and scores for each weight are defined.

Financial firm DB 25 is a table for storing and managing bibliographic matters about financial firms. Fields related to financial firms' IDs, passwords, institution names, institution types (for example, insurance companies, banks, etc.), contact numbers, etc. are defined. .

A plurality of auction application DB (26) is a loan application that is written and sent by each applicant is stored, because many fields are required to create a loan application, because there are many applications, a plurality of auction application DB (26) of the same structure It is provided in parallel.

3 is a screen configuration diagram on the window 30 for allowing the applicant to set weights according to the first embodiment of the present invention. As shown in FIG. 3, weights for the loan rate 31, the loan amount 32, the loan period 33, and the repayment method 34 are set inside the window 30. For example, "40" is set for the interest rate 31, "30" is set for the loan amount 32, "20" is set for the loan period 33, and the repayment method As for 34, "10" is set. In order to change the weight set as described above, the pointer may be positioned in a desired weight area using a pointer (not shown) of a mouse and then designated by pressing a button (not shown) of a mouse (not shown).

The total 37 of such weights is "100", the minimum value 10 of each item is "10", and the remaining weights 39 are automatically calculated and displayed. The lower end of the window 30 is provided with a confirmation button 35 for inputting the set weight, and a cancel button 36 for canceling the set weight.

4 is a diagram illustrating a screen configuration on the window 40 for allowing the applicant to set weights according to the second embodiment of the present invention. As shown in FIG. 4, the weights of the loan rate 41, the loan amount 42, the loan period 43, and the repayment method 44 are set inside the window 40. In FIG. 3, the weight is changed in units of "10", but in FIG. 4, the weight may be changed in units of "1". In the method for converting weights shown in FIG. 4, the mouse may be positioned at a desired position by clicking or dragging the arrow with a mouse. For example, "39" is set for the interest rate 41, "10" is set for the loan amount 42, "24" is set for the loan period 43, and the repayment method &Quot; 27 " is set for (44).

In addition, a total weight 47 having a function as shown in FIG. 3, a minimum value 48 of each item, a remaining weight 49, a confirmation button 45, and a cancel button 46 are provided.

FIG. 5 is a screen diagram of a window 50 of a loan progress situation provided to enable a loan applicant to search the bid situation in real time. This window 50 is configured to enable the applicant to inquire after sending the loan application.

The window 50 is given for the purpose of management, the name of the applicant (51), the date of receipt (52) indicating the date the loan application was submitted, the type of loan (53) indicating whether the loan is a real estate mortgage loan or a real estate loan loan, The application code 54, which is the serial number, the auction end time set by the applicant 55, the current remaining time 56, the total number of bidding institutions 57 and the like are displayed in real time. For example, the current remaining time 56 is calculated using a clock device inside the server 12, and the total number of bidding institutions 57 counts the number and displays it in real time whenever bid data arrives from a financial institution. do. At the bottom of the screen, a close button 58 for closing the window 50 is provided.

6 is a block diagram of the window 60 for displaying the bid results in a graph and table according to the present invention. As shown in FIG. 6, the window 60 is largely divided into a graph 62 portion and a comparison table 64 portion.

The repayment method and the loan period are located on the horizontal axis of the graph 62, and the interest rate and amount are located on the vertical axis. For example, each axis is linearly scaled from 0 to 25 points so that all four axes are 100 points. For example, if the loan amount is up to 100 million, the loan interest rate of the applicant is 70 million won, and the weight is "20", the score of the loan amount is

Score of loan amount = (70 million won / 100 million) * (25) * (20/25) = 14 points.

Since there are four weight parameters, if the weights are each "25", then the weights are the same as those that do not reflect, and if they are larger than "25", they are considered to be important, and if they are less than "25", they may be considered to be insignificant. have.

In this way, scores are obtained from four axes, placed in sections, and then connected to each adjacent section in a straight line, a square similar to a rhombus is drawn. As shown in Figure 6, how important the square of the applicant's square with the financial company's square graph is an important point. Since multiple rectangles are shown on one graph, the straight lines of each rectangle can be displayed as a straight line, a dashed line, a dashed line, a double-dot line, etc., or they can be displayed in black, blue, red, etc. on the monitor. have. For the convenience of the applicant, the guide display 63 of each line is shown at the bottom of the graph 62.

At the bottom of the window 60, a comparison table 64 in a list form is listed. The comparison table 64 lists the names of financial institutions, the amount of presentation, the presenting interest rate, the loan period, the repayment method, the total score, and the like, and the vertical scores are arranged in the order of high score of the total score. On the left side of the comparison table 64, a selection radio button 65 is provided so that the first-ranked financial company is automatically selected, but the applicant may select the second-ranked or desired financial company by using the mouse. At the lower end of the comparison table 64, an execution button 66 is provided, and when the applicant presses this button, the applicant is successful in the currently selected financial company.

7 is a flowchart illustrating a process in which an applicant applies for a loan using a loan system according to the present invention. As shown in FIG. 7, an applicant who wants to obtain a loan first accesses the server device 12 through his / her computer 16 through the Internet 10 and registers or logs in (S10).

Next, a window 30 as shown in FIG. 3 or a window 40 as shown in FIG. 4 is opened to designate weights for loan interest rates, loan amounts, loan periods, and repayment methods, respectively, or set them to predetermined weights (S12). ). The predetermined weight is empirically set to have a value of 30 for the loan rate, 25 for the loan amount, 22.5 for the loan period and 22.5 for the repayment method.

Next, download the loan application form, or open the loan application window to enter the predetermined predetermined data to create a loan application (S14). In the present invention, the loan application form is not shown in detail, but the form may be modified and used in a general financial institution, or various changes may be made in a desired form.

Next, the applicant is asked whether or not to apply for an SMS transmission service that transmits the text data corresponding to the total number of bidding agencies, bidding, auction, and bidding to the number of the mobile terminal determined by the applicant in advance during the bidding process. S16). Such a service can be easily implemented on the Internet in conjunction with an SMS service of a mobile communication company.

Next, after specifying the auction period (for example, five days, one week, two weeks, etc. from today), the designated auction period and the loan application data are transmitted to the server device 12 to apply for a loan (S18). .

When the loan application is completed, the applicant may submit data on the loan application time, the remaining time, and the total number of bidding agencies based on the auction period for the loan application currently submitted through the loan progress window 50 as shown in FIG. Check in real time. This verification step can be done as required by the applicant throughout the bidding period.

Hereinafter, with reference to FIG. 8 will be described a flow chart illustrating the step of delivering the loan application according to Figure 7 to the affiliated financial company and receiving a bid to end the auction.

First, it is determined whether the auction time is over, and when the auction end time is reached, the auction is terminated and the further bid data is rejected. If it is within the auction end time (S20), the loan application data is transmitted to a plurality of affiliated financial company server device 14 in advance.

Next, each financial company server transmits the loan application data to a terminal (not shown) of a loan officer of each financial company for display. The loan officer then reviews the loan application. As a result of the examination, if the loan is possible, the same conditions as those in the loan application shall be prepared as bid data. Then, if you consider a lot of financial companies contending and encouraging lending, create bidding data by presenting better terms (e.g., lower interest rates, better repayment methods, longer repayment terms, etc.). . These better conditions have a higher score in the reverse auction system, making them more likely to win.

The bid data thus created is transmitted to the operator server device 12 via the Internet (10) (S23).

The operator server device 12 weights the bid data received from various financial companies and converts the scores into scores, and lists the scores in the order of high score financial companies as shown in the comparison table 64 of FIG. 6. 62). Through this step, the bidding of the reverse auction is completed.

Hereinafter, with reference to Figure 9 will be described a process of successful bid or auction of reverse auction. 9 is a flowchart illustrating a process of successful bidding or bidding based on the bidding result of FIG. 8.

As shown in FIG. 9, first, when there is a financial company S31 in response to a bid in the reverse auction bidding result checking step, a financial company is selected by the loan applicant (S32, S33). To make this selection, the applicant simply needs to click on the desired financial institution's selection radio button 65 with the mouse and press the execution button 66.

If the applicant does not have a separate financial company selection, the financial institution with the highest score is designated as the lender financial company (S34).

Then, detailed bid data (for example, special conditions, private bank company, credit loan, location and contact details of loan officer, documents required, etc.) presented by the designated financial company is transmitted to the applicant's computer 16 for display (S36). ).

Applicants who obtain these details can go to the location and sign a loan agreement with the loan officer.

In addition, the loan system of the reverse auction method by weight according to the present invention can be executed by a computer, and the predetermined loan by connecting the applicant's computer 16 and the server device 12 to obtain a loan through the Internet (10) A program code for receiving the data in the application form and transmitting the data to the server device 12;

Program code for assigning weights for loan interest rates, loan amounts, loan periods, and repayment methods, respectively, or for setting predetermined weights;

Program code for displaying the data on the auction end time, the current remaining time, and the total number of bidding institutions in real time on the applicant's computer, based on the auction period, for the submitted loan application;

A program code for transmitting the loan application data to a plurality of pre-affiliated financial institution server apparatuses 14 when it is within the auction end time (S20);

Program code for transmitting the loan condition proposed by each financial company to the operator server apparatus 12 as bid data;

Program code for assigning the weight to the bidding data, converting the score into a score, listing each financial company, and displaying the score in a graph;

Reverse auction successful bidding step including a program code for transmitting to the applicant's computer 16 detailed bid data presented by the selected financial institution or the financial institution which will receive the highest score when one of the plurality of listed financial institutions is selected. It can be executed by a recording medium comprising a.

Such a program may be recorded and stored on a recording medium such as a hard disk, a RAM device, a ROM device, a compact disk, a DVD, a CD-ROM, a magneto-optical disk, a floppy disk, a digital tape, or the like.

The client computer 14, the server device 10, and the like used in the present invention were implemented as a personal computer of an IBM compatible type, and Windows 2000 and Windows 98 were used as the operating system. Peripherals (for example, mice, speakers, monitors, etc.) described in the present invention, although not shown in the drawings can of course be implemented using conventional ones.

In addition, the language used in the program used PHP4.0 in consideration of speed, security, and scalability, and the DBMS used MySQL 3.23.39, which has proven stability. The operator's server device used a Unix-compatible platform (Sun OS 5.8 and Linux 2.2.19).

According to the loan system of the reverse auction method by the weight according to the present invention as described above, there is an advantage that the loan applicant to conclude the loan agreement that best fits the desired loan conditions.

In addition, by competing a large number of financial companies in the form of reverse auction, there is an effect that it is possible to conclude a loan contract on more favorable terms.

In addition, by setting a certain period as a bidding period, there is an advantage that you can know the progress of the auction in real time by notifying the applicant of the change situation during the period through the Internet or SMS service.

Although the present invention has been described in connection with the above-mentioned preferred embodiments, it is possible to make various modifications or variations without departing from the spirit and scope of the invention. Accordingly, the appended claims will cover such modifications and variations as fall within the spirit of the invention.

Claims (7)

Loan application preparation means, which is created from the applicant's computer 16 to receive a loan through the Internet 10 and receives a loan application including data on loan interest rates, loan amounts, loan periods, repayment methods, and auction periods; Weight setting means for receiving weight data relating to each of the loan rate, loan amount, loan period, and repayment method from the applicant computer (16) or setting a predetermined weight; Transmission means for transmitting the data relating to the loan application to the server computers 14 of a plurality of financial institutions affiliated with each other in advance; Loan progress status display means for displaying in real time data regarding the auction end time, the current remaining time, and the total number of bidding institutions for the submitted loan application; Conversion means for receiving data on loan rates, loan amounts, loan periods, and repayment methods provided by the financial companies from the plurality of financial company server computers 14, and converting the received data into scores; Enumerating means for enumerating the names of the financial institutions and the loan information presented in order of high scores of the converted scores; And And a graph display means for placing the scores on the two-dimensional planes by intercepting each of the rectangular axes corresponding to the loan interest rate, the loan amount, the loan period, and the repayment method, and connecting the intercepts with each other in a straight line. The total of each weight of the loan interest rate, loan amount, loan period, repayment method is 100, each weight is arbitrarily set in the range of 10 to 70, The loan apparatus of the reverse auction method according to the weight, characterized in that the data on the loan rate, loan amount, loan period, repayment method of the applicant and each financial company is converted into a score by the conversion means. delete delete (10-i) accessing the server device 12 through the Internet 10 from the applicant's computer 16 to receive the loan and registering or logging in (S10); (10-ii) designating weights for loan interest rates, loan amounts, loan periods, repayment methods, or setting the weights in advance (S12); (10-iii) a loan application preparation step of inputting corresponding data in a predetermined loan application (S14); (10-iv) specifying the auction period, and transmitting the designated auction period and the loan application data to the server device 12 to apply for a loan (S18); And (10-v) A loan application including a status confirmation step (S19) of displaying the data on the auction end time, the current remaining time and the total number of bidding agencies in real time based on the auction period for the submitted loan application; Confirmation step; (20-i) if it is within the auction end time (S20), transmitting the loan application data to a plurality of financial institution server devices 14 affiliated with each other (S21); (20-ii) transmitting the loan condition proposed by each financial company to the operator server apparatus 12 as bid data (S23); And (20-iii) a reverse auction bidding step including the step of assigning the weight to the bid data, converting the score to each financial company, and displaying the score in a graph (S25); (30-i) if there is a financial company (S31) in response to the bidding in the reverse auction bidding result checking step, causing the loan applicant to select a financial company (S32, S33); (30-ii) if there is no selection of the financial company, designating the financial company with the highest score as a loan financial company (S34); And (30-iii) a reverse auction successful bidding step including a step (S36) of transmitting and displaying detailed bidding data presented by the financial company designated in step S32, S33 or step S34 to the applicant's computer 16, In the weight setting step (S12), the predetermined weight has a value of 30 for a loan rate, 25 for a loan amount, 22.5 for a loan period, and 22.5 for a repayment method. The loan application preparation step (S14) includes the step of applying for the SMS transmission service for transmitting the text data corresponding to the total number of bidding agencies, bidding, successful bidding, bidding to the number of the mobile communication terminal predetermined by the applicant (S16) , The loan method of the reverse auction method according to the weight, characterized in that the data on the loan rate, loan amount, loan period, repayment method of the applicant and each financial company is converted into a score by the conversion means. delete delete delete