KR100498511B1 - Policy capital control system using internet and method thereof. - Google Patents

Abstract

The present invention relates to a financial fund management system and its method, financial fund lenders can look up the loan progress information about the businesses that they recommend in real time, and the financial banks and financial fund managers Loans (or loans) and repayment services can be processed in real time, and the lending bank receives a loan recommendation application from the lenders to review the loan status in real time. At least one loan recommendation institution computer that is provided with loan execution information, at least one loan handling bank computer that receives loan or repayment application from the loan operator, and applies for loan or repayment through the Internet; Loan recommendation agency Input from computer and loan handling bank computer Determining whether borrowing or repayment application information of the lenders received from the coincidence is matched, and if there is a match with the financial fund management server for outputting a loan or repayment message, and the loan or repayment message of the funds from the financial fund management server in real time It includes a computer with a financial fund management institution that receives or lends a certain amount to the loan handling bank.

Description

Financial capital management system and method thereof {Policy capital control system using internet and method about.}

The present invention relates to a financial fund management system and a method thereof, in more detail, the financial fund lender recommendation institution can query in real time the loan progress information for the businesses that he recommended, loan handling banks and financial funds The management agency can process the borrowing (or loan) and repayment of the financial funds in real time, and the other financial fund management organization relates to the financial fund management system and method for realizing the loan situation in real time.

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Referring to Figure 1, a block diagram showing the configuration of a conventional financial fund management system is shown.

As shown, the conventional financial fund management system includes a loan operator applying for and repaying a loan, a loan recommendation agency that receives a loan recommendation application by mail, in person, fax, etc. from the loan operator, and reviews and approves the loan recommendation. A loan handling bank (including various financial institutions) that receives the various documents from the loan recommendation institution and receives a loan application from the loan provider and performs loan (or loan) and repayment business, and the loan recommendation institution and loan handling After receiving various documents from the bank, it consists of a financial fund management institution that loans or repays the actual financial fund to the loan handling bank.

However, such a conventional financial fund management system has a number of problems as follows.

First, the loan recommendation agency notified the loan company, the loan handling bank, and the financial fund management bank by letter of loan recommendation. For loan information on the loan company, request a list of the lenders from the financial fund management agency. Received or confirmed by phone to the bank. Therefore, the task of notifying the recommendation contents through the mail takes as long as the number of days of the mail, and the recommendation company information management task such as the loss of the recommendation was neglected, and the post management task for the loan company is inconvenient and difficult.

Second, the loan handling bank prepares the documents necessary for borrowing in order to borrow the funds and submits them to the financial fund management institution directly or applies for loans through postal application.The financial fund management agency examines the received documents. The funds were then transferred. In addition, it was inconvenient because the repayment documents were prepared when the borrowing funds were repaid, and the funds were repaid after the fax was sent to the financial fund management agency and the phone was checked. In particular, during regular repayments, hundreds of accounts were metabolized and verified, which takes a lot of time, and there is a problem that the business process is inefficient.

Third, there may be a large number of financial fund management institutions. For each financial fund management institution, borrowing documents received from each borrowing bank, ie, a loan handling bank, by mail, etc., are stored in a separate place and used as future bond documents. In this case, there is a task of checking whether an error occurs in the manual document created by hand, securing a place according to the storage of the confirmed document, and inconvenience in viewing the past document. In addition, each loan handling bank is also inconvenient to notify the borrowing documents by mail or in person.

Fourth, the financial fund management institutions and other financial fund management institutions to manage the accounts of borrowed funds and loaned funds by its own system and manual work, there is a problem that the cost is excessive and the productivity decreases according to the manual work.

Therefore, the present invention has been made to solve the above-mentioned conventional problems, financial fund loan recommendation agency can query the loan progress information for the loan business that he recommended in real time, the loan handling bank and financial fund The management agency can process the borrowing (or loan) and repayment of the financial fund in real time, and the other financial fund management agency provides a financial fund management system and method for real-time understanding of the loan situation.

Another object of the present invention is to allow the system according to the present invention to represent the accounts of at least one financial fund management agency and other financial fund management agencies, thereby creating a new source of revenue by charging fees for the agency And to provide a method.

In order to achieve the above object, the present invention relates to a financial fund management system according to the present invention, which receives a loan recommendation application from the loan operator computer 30, and transmits a result of the examination regarding the recommendation application to the financial fund management server 6; A loan recommendation institution computer 2 for receiving loan execution information from the loan handling bank computer 4; Receive a loan or repayment request signal from the loan operator computer 30, and transmits the examination contents according to the loan or repayment application to the financial fund management server 6, the loan execution information to the loan recommendation institution computer (2) A loan handling bank computer 4 which transmits the money; Loan recommendation contents received from the loan recommendation institution computer 2 and the loan handling bank computer 4 or ID and password or USB key value for authentication, and received from the loan recommendation institution computer 2 And a financial fund management server for determining whether the loan or repayment application information received from the loan handling bank computer 4 is identical and transmitting a loan or repayment message to the financial fund management institution computer 10 when the loan is matched. 6); And a financial fund management institution computer 10 that receives a loan or repayment message of funds from the financial fund management server 6 and transmits a loan or repayment command of a predetermined amount to the loan handling bank computer 4. However, when the financial fund management server 6 receives the loan recommendation application from the loan recommendation institution computer 2, the financial fund management server 6 transmits the received loan recommendation application content to the loan operator computer 30 by e-mail or text message. It further comprises a webmail server (8). Preferably, the financial fund management server 6 includes user information D / B, recommendation content input D / B, borrowed D / B, redemption D / B, rental D / B, reception D / B, fee D / B, and the like. Message D / B. Meanwhile, the present invention relates to a financial fund management method, wherein (a) the financial fund management server 6 receives an ID and password from a loan recommendation institution computer 2 or receives a USB key value to perform authentication. Receiving and storing loan recommendation information including information on a recommendation institution, a handling bank, a driving recommendation amount, a driving handling period, a driving date, a recommendation date, a facility recommendation amount, a facility handling period, and business contents for a specific loan operator; (b) the financial fund management server 6 transmitting the loan recommendation fact by e-mail or a text message to the loan operator computer 30; (c) After the financial fund management server 6 receives the ID and password from the loan handling bank computer 4 or receives the USB key value to perform authentication, the borrowing money by the loan handling bank computer 4 is performed. It is determined whether there is an application, and when there is an application for borrowing funds by the loan handling bank computer 4, the financial fund management server 6 transmits a fund borrowing application message to the financial fund management institution computer 10. step; (d) The financial fund management server 6 determines whether the financial fund management institution computer 10 is approved for the borrowing application, and may be approved by the financial fund management institution computer 10. If the financial fund management server 6 sends an approval message for the loan application to the loan handling bank computer 4; And (e) the financial fund management server 6 transmitting the loan execution information to the loan recommendation institution computer 2. Preferably, after step (e), the financial fund management server 6 includes loan information, repayment classification, pre-payment date, and repayment amount from the loan recommendation institution computer 2 for a specific loan operator. Receiving and storing reimbursement request contents; When the financial fund management server 6 receives a loan repayment request from the loan handling bank computer 4, the financial fund management server 6 sends a loan repayment request message to the financial fund management institution computer 10. Transmitting; And the financial fund management server 6 determines whether the financial fund management institution computer 10 has approved the loan repayment application, and when the financial fund management institution computer 10 approves the And transmitting, by the financial fund management server, the loan repayment message to the loan handling bank computer 4.

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DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described with reference to the accompanying drawings so that those skilled in the art can easily implement the present invention.

2, there is shown a block diagram showing the configuration of the financial fund management system according to the present invention.

As shown, the financial fund management system according to the present invention can mutually transfer a loan recommendation institution computer 2 for inputting loan recommendation contents, a loan handling bank computer 4 for borrowing or repayment application, and a loan or repayment message. The financial fund management server 6 and the financial fund management institution computer 10 approving the loan or repayment of the funds. Herein, the loan recommendation institution computer 2, the loan handling bank computer 4, and the financial fund management server 6 are connected to the Internet, and the financial fund management server 6 and the financial fund management institution computer 10 are It is connected to the company LAN. Of course, the financial fund management institution computer 10 is also directly connected to the Internet and communicates with the financial fund management server 6.

At least one loan recommendation institution computer 2 is prepared. When the loan recommendation application is received from the loan provider 30, the loan recommendation institution computer 2 is reviewed and inputted into the financial fund management server 6 through the Internet. If the loan is executed to the lender 30, the loaner 30 serves to receive the information. Here, it is preferable to log on to the loan recommendation institution computer 2 by enabling the ID and password to be authenticated from the financial fund management server 6 or by receiving a USB key in advance and inserting it into the USB port. The loan recommendation institution computer 2 may be, for example, the Small and Medium Business Administration, the Ministry of Science and Technology, and the Ministry of Commerce, Industry and Energy. However, receiving and examining a loan recommendation application from the loan provider 30 is a task performed offline.

Subsequently, at least one loan handling bank computer 4 may be provided, which receives a loan or repayment request from the loan provider 30, and after reviewing the contents, manages the financial fund through the Internet. It is input to the server 6. Here, it is preferable to log on to the loan handling bank computer 4 by enabling the ID and password to be authenticated from the financial fund management server 6 or by receiving the USB key in advance and inserting it into the USB port. In addition, as will be described below, the loan handling bank computer 4 may also receive loans from other financial fund management institution computers 28. Such a loan handling bank computer 4 may be, for example, an IBK or other general banks and financial institutions.

Subsequently, the financial fund management server 6 determines whether the loan input or repayment application information of the loan operator 30 inputted from the loan recommendation institution computer 2 and the loan handling bank computer 4 are identical. And, if it matches, it serves to send the loan or repayment message to the financial fund management institution computer (10). Of course, the financial fund management server 6 is connected to the user information D / B (12) having the user information of the various loan recommendation institution computer (2), the loan handling bank computer (4), the loan recommendation institution computer Recommendation contents input D / B 14 for a plurality of loan operators 30 inputted by (2) is connected, borrowing D / B 16 for borrowing details, and repayment D / B for repayment details (18), rental D / B 20, reception D / B 22, fee D / B 24, and message D / B 26, which will be described below, are connected.

In addition, the financial fund management server 6, the loan recommendation institution computer (2) and the loan handling bank computer (4) to log on to the Internet to perform the work, and from the loan recommendation institution computer (2), 30, if a recommendation is entered, the webmail server 8 is installed so that it can be immediately sent to the lender 30 by e-mail or text message.

Subsequently, the financial fund management institution computer 10 receives a loan or repayment message of funds from the financial fund management server 6 in real time, and authorizes a loan or repayment of a predetermined amount to the loan handling bank. Do it. Of course, the approval is performed directly by the person in charge. In addition, as a result of the approval it is possible to confirm that a certain amount of loan loan transfer to the loan handling bank, or that the repayment funds have been transferred to their financial fund management institutions. In addition, the interchanged message between the loan handling bank computer 4 and the financial fund management institution computer 10 is stored with the certificate in the message D / B 26, so that accountability is clarified in the event of a future problem.

Subsequently, the financial fund management server 6 may be further connected to at least one other financial fund management computer 28 that lends financial funds to the Internet, and the financial fund management server 6 may be connected to the other financial fund management computer. When (28) lends a financial fund, it also acts as a substitute for receiving and storing borrowed documents. At this time, the information on the rental is recorded in the rental D / B (20), the information on the reception is recorded in the reception D / B (22), and the fee for the rental and reception agency is a fee D / B (24) ) Is recorded.

Referring to FIG. 3A, a sequential explanatory diagram centering on borrowing and lending among financial fund management methods according to the present invention is shown. Referring to FIG. 3B, an example of registration of recommendation contents displayed on a computer screen by a loan recommendation agency is shown. 3C shows an example of referral of a recommendation company displayed on a computer screen by a loan recommendation agency. Referring to FIG. 3D, an example of a loan application displayed on a computer screen by a borrowing bank is shown.

As shown, the financial fund management method according to the present invention includes determining whether or not to enter the loan recommendation content (S31), sending an e-mail or text message (S32), determining whether to borrow money (S33), and applying for fund borrowing. And a message output step S34, an approval determination step S35, a money loan message output step S36, and a loan execution information providing step S37.

First, the step of determining whether to enter the loan recommendation content (S31) is a step in which the financial fund management server 6 determines whether the loan recommendation content of the specific loan company 30 is input by the loan recommendation institution computer 2. In this case, an example of inputting loan recommendation contents displayed on the screen of the loan recommendation institution computer 2 is as shown in FIG. 3B. Of course, as shown in Figure 3c, the loan recommendation institution computer 2 is also provided with a recommendation company inquiry screen. In addition, the loan recommendation contents are stored in the recommendation contents input D / B 14 of the financial fund management server 6.

The email or text message transmitting step (S32) is a step in which the financial fund management server 6 transmits an email or a text message to the loan company 30 when the recommendation is input to the financial fund management server 6. All. This step is of course performed by the webmail server 8.

The step of determining whether to borrow the money (S33) is a step of determining whether a loan application for loan to the lender 30 by the loan handling bank computer 4 has been delivered to the financial fund management server (6). . Thus, the application example of the borrowing of funds appearing on the screen of the loan handling bank computer 4 is as shown in Fig. 3D. Of course, this borrowing situation is stored in the borrowing D / B 16.

The fund borrowing application message output step (S34), when the loan application is made by the loan handling bank computer (4), by the financial fund management server 6 to apply for fund borrowing to the financial fund management institution computer (10) This step prints a message. Of course, this message is stored in message D / B 26.

The approval determination step (S35) is a step in which the financial fund management server 6 determines whether the financial fund management authority computer 10 has approved the loan application.

If the fund loan message output step (S36) is approved by the financial fund management institution computer 10, the financial fund management server 6 confirms this, and then the funds to the loan handling bank computer 4 This step prints a rental message. Of course, these messages are also stored in message D / B 26.

The loan execution information providing step (S37) is a step of providing the loan execution information to the loan recommendation institution computer 2 by the financial fund management server (6), during the financial fund management method in the same order as described above Borrowing and lending are carried out.

Referring to FIG. 4A, a sequential explanatory diagram centering on loan repayment in the financial fund management method according to the present invention is shown. Referring to FIG. 4B, an example of a repayment application appearing on the screen of the borrowing bank computer is shown.

As shown, another financial fund management method according to the present invention includes a repayment application determination step (S41), a repayment application message output step (S42), an approval status determination step (S43), and a repayment message output step (S44). .

First, the repayment application determination step (S41) is a step in which the financial fund management server 6 determines whether the loan repayment application contents of the specific loan company 30 are input by the loan recommendation institution computer 2. At this time, an example of inputting loan repayment contents appearing on the screen of the loan recommendation institution computer 2 is shown in Fig. 4B. Further, the loan repayment details are stored in the repayment D / B 18 of the financial fund management server 6.

The repayment request message output step (S42) is a loan repayment request message to the financial fund management institution computer 10 by the financial fund management server 6, when the loan repayment application is made by the loan handling bank computer 4 This step is to output. Of course, this message is stored in message D / B 26.

The approval determination step (S43) is a step in which the financial fund management server 6 determines whether the financial fund management institution computer 10 has approved the loan repayment application.

The repayment message output step (S44), if approved by the financial fund management institution computer 10, the financial fund management server 6 confirms this, and then repays the loan to the loan handling bank computer (4) This step prints a message. Of course, these messages are also stored in message D / B 26.

Referring to FIG. 5, a sequential explanatory diagram centering on the reception agency and the fund loan account storage agency by the other financial fund management institution computer 28 among other financial fund management methods according to the present invention is shown.

As shown, another financial fund management method according to the present invention includes a fund loan determination step (S51), a reception agency step (S52), and an account storage step (S53).

First, the step of determining whether to lend the funds (S51) is a step of determining whether there is a loan of funds from another financial fund management institution computer 28. In other words, the financial fund management institution computer 28 other than the original financial fund management institution computer 10 determines whether there is a loan of funds from an institution such as Small and Medium Business Corporation, Gas Corporation. Of course, the loans thus made are finally delivered to the lender 30.

The accepting agent step is a step in which the financial fund management server 6 acts to accept the loan of money when there is a loan of funds from the other financial fund management institution computer 28. This receipt record is stored in the reception D / B 22 together with the certificate.

The account storage step (S53) is a step of storing an account for the loan of money. That is, the financial fund management server 6 stores the loaned account on behalf of the other financial fund management institution computer 28. Of course, such reception and account management proceed with a predetermined fee, which is stored in the fee D / B 24.

As described above, the present invention has been described only in the above embodiments, but is not limited thereto and various modifications and changes may be made without departing from the scope and spirit of the present invention.

Therefore, according to the financial fund management system and the method according to the present invention, the loan recommendation institution can be automatically provided with loan execution information for the loan provider recommended by him, the loan handling bank and the financial fund management bank It is effective to mutually process borrowing, loan, loan and repayment of funds.

In addition, by accepting and keeping financial loans on behalf of at least one other financial fund management bank, there is an effect of creating a new revenue source by imposing a fee accordingly.

In addition, in order to finance the financial fund management, it is possible to improve the tasks such as notification of recommendation based on conventional documents, application and repayment of financial fund loans, etc., so that all documents are processed on the Internet as electronic documents instead of abolishing all documents. By reducing the hassle and time spent visiting the financial fund management agency, it is possible to enable the accurate and accurate execution of financial fund lending work.

1 is a block diagram showing a conventional financial fund management system.

2 is a block diagram showing a financial fund management system according to the present invention.

Figure 3a is a sequential explanatory diagram mainly described in the borrowing and loan of the financial fund management method according to the present invention,

3B is a computer screen showing an example of registration of recommendation contents by a loan recommendation agency.

Figure 3c is a computer screen showing an example of referral companies recommended by the loan recommendation agency,

3D is a computer screen showing an example of a loan application by a borrowing bank.

Figure 4a is a sequential explanatory diagram centering on the loan repayment of the financial fund management method according to the present invention,

4B is a computer screen showing an example of an application for repayment by a borrowing bank.

FIG. 5 is a sequential explanatory diagram centering on a receiving agency and a fund loan account keeping agency by a computer of another financial fund management institution of the financial fund management method according to the present invention.

-Description of the main symbols in the drawings-

2; Loan Referral Agency Computers 4; Loan Handling Bank Computer

6; Financial fund management server 8; Webmail server

10; Financial Fund Management Agency Computers 12; User Information D / B

14; Recommendation Enter D / B 16; Borrowing D / B

18; Redemption D / B 20; Rental D / B

22; Reception D / B 24; Fee D / B

26; Message D / B 28; Other financial fund management computer

30; Loan Operator

Claims (5)

In a system in which a loan recommendation institution computer (2), a loan handling bank computer (4), a financial fund management server (6), a financial fund management institution computer (10), and a loan provider computer (30) are connected through an information communication network, A loan that receives a loan recommendation application from the loan company computer 30, transmits a screening result regarding the recommendation application to the financial fund management server 6, and receives loan execution information from the loan handling bank computer 4 Referral agency computer 2; Receive a loan or repayment request signal from the loan operator computer 30, and transmits the examination contents according to the loan or repayment application to the financial fund management server 6, the loan execution information to the loan recommendation institution computer (2) A loan handling bank computer 4 which transmits the money; Loan recommendation contents received from the loan recommendation institution computer 2 and the loan handling bank computer 4 or ID and password or USB key value for authentication, and received from the loan recommendation institution computer 2 And a financial fund management server for determining whether the loan or repayment application information received from the loan handling bank computer 4 is identical and transmitting a loan or repayment message to the financial fund management institution computer 10 when the loan is matched. 6); And A financial fund management institution computer 10 which receives a loan or repayment message of funds from the financial fund management server 6 and transmits a loan or repayment order of a predetermined amount to the loan handling bank computer 4; , The financial fund management server 6, Including user information D / B, recommendation input D / B, borrowed D / B, redemption D / B, rental D / B, reception D / B, fee D / B and message D / B; and Receiving a loan recommendation application from the loan recommendation institution computer (2), characterized in that it further comprises a webmail server (8) for transmitting the received loan recommendation application content to the loan operator computer (30) by e-mail or text message Financial fund management system. delete delete Financing fund using a system in which a lender's recommendation computer (2), a loan handling bank computer (4), a financial fund management server (6), a financial fund management institution computer (10) and a lender's business computer (30) are connected through an information and communication network In the management method, (a) After the financial fund management server 6 receives ID and password from the loan recommendation institution computer 2 or receives a USB Key value to perform authentication, a recommendation institution, a handling bank, or a driving company for a specific loan operator; Receiving and storing loan recommendation information including information on a recommendation amount, driving deadline, recommendation date, facility recommendation amount, facility handling period, and business contents; (b) the financial fund management server 6 transmitting the loan recommendation fact by e-mail or a text message to the loan operator computer 30; (c) After the financial fund management server 6 receives the ID and password from the loan handling bank computer 4 or receives the USB key value to perform authentication, the borrowing money by the loan handling bank computer 4 is performed. It is determined whether there is an application, and when there is an application for borrowing funds by the loan handling bank computer 4, the financial fund management server 6 transmits a fund borrowing application message to the financial fund management institution computer 10. step; (d) The financial fund management server 6 determines whether the financial fund management institution computer 10 is approved for the borrowing application, and may be approved by the financial fund management institution computer 10. If the financial fund management server 6 sends an approval message for the loan application to the loan handling bank computer 4; (e) the financial fund management server 6 transmitting the loan execution information to the loan recommendation institution computer 2; Receiving, by the financial fund management server, from the loan recommendation institution computer 2, a loan repayment request content including information on borrowing number, repayment classification, prepayment date, and repayment amount for a particular loan business operator; When the financial fund management server 6 receives a loan repayment request from the loan handling bank computer 4, the financial fund management server 6 sends a loan repayment request message to the financial fund management institution computer 10. Transmitting; And The financial fund management server 6 determines whether the financial fund management institution computer 10 has approved the loan repayment application, and the financial fund management institution computer 10 approves the financial fund management server computer 10. A fund management server 6 sending a loan repayment message to the loan handling bank computer 4; Financial fund management method comprising a. delete