KR100501088B1 - Management method for supporting credit recovery and system therefor - Google Patents

Abstract

The present invention relates to a management method and a system of credit recovery support target bonds of financial institutions, and redesigned the support service for credit recovery support subjects occurring in the Credit Recovery Committee and financial institutions, and systemized the credit recovery support service. The present invention relates to a management method and a system for managing credits subject to credit recovery, which can drastically reduce the efficiency and cost of the service.

Description

MANAGEMENT METHOD FOR SUPPORTING CREDIT RECOVERY AND SYSTEM THEREFOR}

The present invention relates to a management method and a system of credit recovery support target bonds of financial institutions, and redesigned the support service for credit recovery support subjects occurring in the Credit Recovery Committee and financial institutions, and systemized the credit recovery support service. The present invention relates to a management method and a system for managing credits subject to credit recovery, which can drastically reduce the efficiency and cost of the service.

The credit recovery support service deals with the application of credit recovery support, claims reporting, credit recovery support, recovery of refunds, and loss of validity by agreement between creditor financial institutions, credit recovery committees and debtors. The financial computer system is different for each creditor institution, and the credit recovery support conditions are different for each debtor.In particular, agreements and credit recovery support conditions related to credit recovery are not acceptable as the existing computer system of financial institutions. As a result, credit recovery institutions have no choice but to handle credit recovery support by manual labor. In particular, credit recovery support conditions include interest rate cuts and principal reductions depending on the creditor's credit. Therefore, it is impossible to accommodate such contents through the computer system of existing financial institutions.

In addition, the credit recovery support service basically pays off any unpaid interest on existing bonds until the new agreement between the debtor and the Credit Recovery Commission is concluded, and the debtor does not faithfully perform the debt payment. In the event of such a loss, not only the claim for outstanding interest that has been waived, but also the newly-contracted bond must be restored to the bond before the new contract is concluded, but the existing computer system cannot accommodate such credit recovery support services. Inevitably, I had to handle credit recovery support work by hand.

In particular, due to the recent surge in the number of applicants for credit recovery support (currently more than 10,000 at each financial institution), creditor financial institutions are putting a lot of manpower into the credit recovery support business, resulting in an increase in costs. I'm doing it.

Hereinafter, the credit recovery support service of the existing bond financial institutions will be described with reference to FIGS. 1 and 2. The serial numbers in the drawings mean (a) debt reporting stage, (b) credit recovery support determination stage, (c) repayment of repayment funds, and (d) loss of credit recovery support effectiveness.

Claim Report Steps:

When the debtor applies the Credit Recovery Support to the Credit Recovery Committee to the Credit Recovery Committee, the Credit Recovery Committee shall notify each creditor financial institution of the applicant for credit recovery to report the bond.

The financial institution headquarters of each credit financial institution identifies applicants for credit recovery support on the Internet, looks up the contents of bonds for applicants for credit recovery support, searches the branch office in charge, and excludes the request for credit recovery support for credit recovery support applicants. Ask to submit.

When the bond holding branch receives the document for the application of the credit recovery support exclusion sent from the financial institution headquarters, the account holder registers the account for each debtor in the account account with the credit recovery support application account, and then the account number and bond for each debtor of the branch. The contents, exclusions, etc. shall be prepared and submitted to the financial institution headquarters as a document.

The financial institution headquarters enters the account number for each debtor, the contents of the bonds for each account, the opinion of exclusion, etc. in the CSV file of the Credit Recovery Committee when the application form for the application for credit recovery exclusion from each branch is received. Report the bonds of the financial institution by sending them to the committee.

In the case of the debt reporting stage, each sales office must search the bond contents for each debtor and send the inquiries into the document, and the headquarters of the financial institution must enter the details of the submission of exclusion opinions obtained by each sales office in the CSV file. It takes a lot of time and manpower.

Credit recovery support confirmation stage:

The Credit Recovery Commission concludes a new agreement with the debtor on debt repayment and notifies the relevant financial institution of the credit recovery support decision.

Each financial institution checks the contents of the credit recovery support decision for the credit recovery support firm through the Internet, and asks the branch in charge of holding the credit to replace existing bonds with the new contract of the Credit Recovery Committee. The interest earned from the date of the loan to the time of the loan is managed separately.

In the case of the confirmation stage of the credit recovery support, the interest rate reduction and principal reduction are included, in particular, depending on the creditor's credit.

Repayment Recovery Steps:

In accordance with the new agreement, the debtor reimburses the credit recovery committee for repayment of the repayment to the credit recovery institution. Register.

At the same time that the debtor financial institution receives the repayment payment, it requests a remittance and retrieval of the repayment to each branch of the account for which it was originally filed. Accordingly, the bond holding branch will recover the repayment through the account terminal after confirming the exchange account corresponding to the account for which the debt was originally filed.

In the repayment phase, the account reported to the CRC is likely to be changed to another account at the conclusion of the new agreement due to account number change, error in reporting, or change in account type. If the account is changed, each branch will use the current account from the account reported to the original credit recovery committee listed on the receipt of repayment from the financial institution headquarters. After each search, you will recover the payment.

Steps to invalidate credit recovery support:

If the new agreement with the Credit Recovery Committee becomes invalid due to nonpayment of the debtor, the Credit Recovery Committee notifies the creditor financial institution of the loss of validity, and the creditor financial institution obtains the information of the invalidator on the Internet and then bonds it to the holding company. You will be asked to recover. However, the branch is in charge of handling the bonds manually and finally making bad debts due to the lack of a computer system that can handle the recovery of these bonds.

The present invention has been made to solve the problems of the prior art as described above, by redesigning a series of business processes, such as registration of credit recovery support application, claim registration, credit recovery support confirmation registration, collection of repayment payment, loss of effectiveness It is not only to prevent duplication of work, but also to enable automated work processing.

In addition, the present invention provides a separate credit recovery support server, link the credit recovery support application account information and credit recovery support confirmation account information, the account accounting server to send and store the unpaid interest until the date of the new agreement to the credit recovery support server Interest from the date of loss is not calculated, but interest from the date of loss is received again from the credit recovery support server to revive the previous agreement and enable interest calculation, enabling the computational system and work method of a conventional financial institution This is to systemize the credit recovery support that cannot be handled and rely on manpower, so that it can drastically shorten the processing time required for credit recovery support and drastically reduce the management cost.

In order to solve the above problems, the present invention, the step of registering the credit recovery support applicant information received from the credit recovery committee in the form of a database to the credit recovery support server, the information on the credit recovery support applicant registered in the credit recovery support server Transmitting to the accounting server, the accounting server registering the corresponding account of the transmitted credit recovery support applicant as a credit recovery support application account, the account number of the account registered as the credit recovery support application account, the account-specific bond Transmitting credit recovery support application account inquiry information including support subject information and branch office information to a credit recovery support server, and storing the transmitted credit recovery support application account inquiry information by the credit recovery support server; The terminal of the branch connects to the credit recovery support server, and each branch of the account information Registering branch opinion information for the account in charge, and the credit recovery support server generating a bond report for the credit recovery support applicant through the credit recovery support application account inquiry information and the branch opinion information in a database form file; Debt reporting stage; And

Registering the credit recovery support confirmation information received from the Credit Recovery Committee in the form of a database in the credit recovery support server, the credit recovery support application account information and credit recovery support confirmation date information among the credit recovery support confirmation information registered in the credit recovery support server Transmitting to an accounting server, the accounting server searching for a credit recovery support confirmation account corresponding to the transmitted credit recovery support application account information, and registering the account as a credit recovery support confirmation account; Calculating the interest on the credit recovery support until the credit recovery support date is confirmed, and transmitting at least credit recovery support application account information, credit recovery support confirmation account information, and interest interest information to the credit recovery support server; Send account information for recovery support, credit information for credit recovery support, and interest interest A credit recovery support confirmation step comprising receiving the credit recovery support confirmation account information and the interest earned for the credit recovery support application account information;

Characterized in that comprises a.

In the above, the step of registering the repayment collection contents information received from the credit recovery committee in the form of a database in the credit recovery support server, the credit recovery support server credit recovery support corresponding to the credit recovery support application account information collected Retrieving the confirmation account information and transmitting the credit recovery support confirmation account information and the repayment collection details thereof to the account server, and storing the repayment collection history for the credit recovery support confirmation account information by the accounting server; Repayment collection step made; Is preferably added.

In the above, the step of registering the information on the credit recovery support invalidity received from the credit recovery committee to the credit recovery support server in the form of a database, the credit recovery support server credit recovery support confirmation account information for the credit recovery support loss And retrieving the unreceived interest and transmitting the credit recovery support determination account information, the interest interest, and the date of invalidation to the accounting server, and the accounting server recovers the credit recovery support confirmation account and the corresponding interest interest according to the transmitted information. Invalidation of credit recovery support, including the step of calculating interest after the date of ineffectiveness; Is preferably added.

In the above description, the bond report may be a CSV file.

According to another aspect of the present invention, the credit recovery support applicant information received from the credit recovery committee is stored in the applicant database in the form of a database, and the information about the credit recovery support applicant stored in the applicant database is transmitted to the account server, and transmitted from the account server. Credit recovery support application account inquiry information, including account number, credit for each account, support target information, and branch information of the applied credit recovery support application is stored in the account inquiry database, and credit recovery support application sent from the terminal of each branch Store the shop opinion information of the account in charge of each branch of the account information in the account inquiry database, and write the bond report for the applicant for the credit recovery support through the account recovery information and the branch opinion information. Made to Issues Report module;

The credit recovery support confirmation information received from the Credit Recovery Committee is stored in the database of the determinant in the form of a database, the credit recovery support application information and the credit recovery support confirmation date information among the credit recovery support confirmation information are transmitted to the account server, and the credit from the account server. Credit recovery support confirmation module configured to receive account recovery information, credit recovery support confirmation account information, and uninterested interest information and store credit recovery support confirmation account information and uninterested interest for the corresponding credit recovery support application account information in the determinant database. ;

Characterized in that comprises a.

In the above, the repayment collection contents information received from the Credit Recovery Committee is stored in the reimbursement database in the form of a database, and the credit recovery support decision corresponding to the credit recovery support application account information from which the repayments were collected A repayment collection module configured to retrieve the account information from the determinant database and transmit credit recovery support confirmation account information and repayment collection details thereof to the accounting server; This is preferably added.

In the above, the information on the credit recovery support invalidator received from the Credit Recovery Committee is registered in the database of the determinant in the form of a database, and the credit recovery support confirmation account information and the unearned interest for the credit recovery support invalidator are retrieved from the determinant database. A credit report support invalidation module configured to transmit credit recovery support determined account information, interest, and date of invalidation to the account server; This is preferably added.

In the above description, the bond report may be a CSV file.

Hereinafter, the configuration and operation according to a preferred embodiment of the present invention will be described in detail.

3 is a system configuration diagram according to an embodiment of the present invention, Figure 4 is a flow chart of a credit recovery support operation according to an embodiment of the present invention. The serial numbers in FIG. 4 mean (a) the debt return stage, (b) the credit recovery support decision stage, (c) the repayment of the payment, and (d) the credit recovery loss status.

Claim Report Steps:

As before, the debtor applies for credit recovery support to the credit recovery committee, and the credit recovery committee notifies the applicant for credit recovery support through the Internet. Accordingly, each financial institution accesses the Internet, downloads credit recovery support applicant information, and stores it in an Excel file.

The financial institution terminal converts the credit recovery support applicant information stored in the Excel file into a CSV file format and registers them in the credit recovery support server collectively.

The credit report module of the credit recovery support server stores the credit recovery support applicant information in the applicant database and transmits the information to the accounting server.

Modules above and below refer to one independent software or hardware unit. Modules are the building blocks of a software program and are designed to allow one or more independent installations, replacements, and use.

The applicant database includes at least fields such as the applicant's name, applicant's unique number (eg, social security number), address, and deadline for filing a claim.

The account system server registers the corresponding account of the credit recovery support applicant sent to the credit recovery support application account, and includes the account number of the account registered as the credit recovery support application account, account-specific bonds, the applicant's unique number, and the branch information. Credit recovery support application Sends account inquiry information to the credit recovery support server. The credit report module of the credit recovery support server stores the transmitted credit recovery support application account inquiry information in an account inquiry database.

The account inquiry database includes at least fields, such as the applicant's unique number, the credit recovery support application account number, the corresponding bond amount of the credit recovery support application account number, the sales office unique number, and the sales office opinion information.

This allows each branch to immediately verify the applicant's bonds by accessing the credit recovery support server. When the terminal of each branch connects to the credit recovery support server, the bond reporting module searches the account inquiry database and sends information including the account number and the bond corresponding to each branch to the terminal of each branch. The terminal registers branch opinion information for the account in charge of each branch, and the bond reporting module stores the branch opinion information in a corresponding field of the account inquiry database.

The financial institution headquarters terminal connects to the credit recovery support server and requests the credit recovery support server to prepare a bond report on the expiration date between the bonds, and the credit reporting module of the credit recovery support server requests the debtor corresponding to the debt reporting period from the applicant database. Search for the debtor and create a credit report for each creditor by referring to the account inquiry database. As a result, a bond report including account retrieval information and branch opinion information is automatically generated as a CSV file.

Credit recovery support confirmation stage:

As before, a new agreement is concluded between the debtor and the credit recovery committee. When the credit recovery committee notifies the credit recovery confirmation information, the financial institution downloads the credit recovery confirmation contents through the Internet and stores them in an Excel file.

The financial institution headquarters terminal converts the credit recovery confirmation information stored in the Excel file into a CSV file and registers them collectively in the credit recovery support server.

The credit recovery support determination module of the credit recovery support server stores the credit recovery confirmation information in the determinant database, and transmits the credit recovery support application account information and the credit recovery support confirmation date information among the credit recovery support confirmation information to the account server.

The determinator database includes at least the following fields: ID number, name, credit recovery support application account number, credit amount per account, interest, credit recovery support confirmation date, credit recovery support confirmation account number, credit recovery support effective date, etc. Is done.

The account accounting server searches for the credit recovery support confirmation account corresponding to the transferred credit recovery support application account information, registers as a credit recovery support confirmation account, and has not received interest until the credit recovery support confirmation date for the credit recovery support confirmation account. Compute and transmit at least the credit recovery support application account information, the credit recovery support confirmation account information, and the interest interest information to the credit recovery support server. That is, it is highly likely that the account number listed at the time of application for credit recovery support, that is, at the time of the credit report, has been changed at the time of confirmation of credit recovery support. Will be sent to.

The account accounting server transfers unreceived interest and credit recovery support confirmation account information to the credit recovery support server until the date of the credit recovery support confirmation date, and then, after the date of the new contract settlement, that is, the date of the credit recovery support confirmation, the collection and settlement of the interest under the existing agreement is calculated. It stops and recovers principal and outstanding interest only with the amount recovered through the credit recovery support server.

The credit recovery support confirmation module of the credit recovery support server receives the credit recovery support application account information, credit recovery support confirmation account information, and uninterested interest information transmitted from the account system, and receives the corresponding credit recovery support application account information of the finalizer database. Confirmation of credit recovery support Account information and interest earned are stored.

Repayment Recovery Steps:

As before, when the repayment is remitted from the Credit Recovery Committee, the financial institution downloads the repayment collection information through the Internet and saves it as an Excel file.

The financial institution headquarters terminal converts the repayment collection contents information stored in the Excel file into a CSV file and collectively registers them in the credit recovery support server.

The repayment collection module of the credit recovery support server stores the repayment collection contents information in the reimbursement database, and retrieves the credit recovery support confirmation account information corresponding to the credit recovery support application account information from the reimbursement database. The credit recovery support confirmation account information and the repayment collection history for this is transmitted to the account system server.

The reimbursement database includes at least fields such as the debtor's unique number, the reimbursement amount, the credit recovery support application account number, and the repayment date.

That is, since the information on recovery of repayment of the credit recovery support meeting is prepared based on the account information registered at the time of the bond report, the repayment collection module is highly likely to be different from the actual account information. It will automatically find the account information at the time of confirmation and send it to the accounting server.

 The account server stores the repayment collection history for the credit recovery support confirmation account information by the professional processing, and the repayment money is recovered.

Steps to invalidate credit recovery support:

As before, when the invalidation is registered on the Internet by the Credit Recovery Committee, the financial institution downloads the information on the invalidity of the credit recovery support through the Internet and stores it as an Excel file.

The terminal of the financial institution headquarters converts the information on the disabled person stored in the Excel file into a CSV file and registers them in the credit recovery support server collectively.

That is, the invalidation module of the credit recovery support server stores information about the invalidated person. In other words, the module for retrieval retrieves the validator from the finalizer database through the personal information of the invalidator, and stores the invalidation date in the corresponding field (effectiveness date field).

After that, the invalidation module retrieves the credit recovery support confirmation account information, the interest interest, the date of invalidation, etc. of the credit recovery support invalidator from the finalizer database, and confirms the credit recovery support confirmation account information, the interest interest, and the invalidation date information on the accounting server. And so on.

As a result, the accounting server recovers the credit recovery support confirmation account and the corresponding interest interest according to the transmitted information, and calculates the interest interest based on the existing terms and conditions after the date of the revocation, and when the credit for the ineffective person is written off. Interest received on the credit recovery support server is added up with interest calculated after the date of revocation and amortized.

The above embodiment is only a preferred embodiment of the present invention, the technical spirit of the present invention can be variously modified or adjusted by those skilled in the art, if such modifications or adjustments use the technical spirit of the present invention it is the scope of the present invention It belongs to.

The present invention redesigns a series of business processes, such as registration of credit recovery support application, credit report, credit recovery support confirmation registration, repayment of refund, and loss of validity, which prevents dual business processing and enables automated business processing. Let's do it.

In addition, the present invention provides a separate credit recovery support server, link the credit recovery support application account information and credit recovery support confirmation account information, the account accounting server to send and store the unpaid interest until the date of the new agreement to the credit recovery support server Interest from the date of loss is not calculated, but interest from the date of loss is received again from the credit recovery support server to revive the previous agreement and enable interest calculation, enabling the computational system and work method of a conventional financial institution By systemizing the credit recovery support service, which cannot be handled and can only rely on manpower, it can drastically shorten the processing time required for credit recovery support and drastically reduce its management costs.

1 and 2 are for explaining the credit recovery support service according to the prior art,

3 is a system configuration diagram according to an embodiment of the present invention,

Figure 4 is a flow chart of credit recovery support according to an embodiment of the present invention.

Claims (10)

Registering the credit recovery support applicant information received from the credit recovery committee in the form of a database to the credit recovery support server, transmitting information about the credit recovery support applicant registered to the credit recovery support server to the account accounting server; Registering the corresponding account of the credit recovery support applicant sent to the credit recovery support application account, the account server includes the account number of the account registered as the credit recovery support application account, account-specific bonds, support subject information and branch information Transmitting credit recovery support application account inquiry information to a credit recovery support server; storing, by the credit recovery support server, the transmitted credit recovery support application account inquiry information; and a terminal of each branch is connected to a credit recovery support server. Please refer to the information on the opinion of the branch about the account of each branch in the application for credit recovery support. Rock steps to credit repair support server to support the credit recovery Application lookup account information and opinions branch report information receivables step comprises the step of creating the bonds return to the database in the form of a file on the applicant's credit recovery support through; And Registering the credit recovery support confirmation information received from the Credit Recovery Committee in the form of a database in the credit recovery support server, the credit recovery support application account information and credit recovery support confirmation date information among the credit recovery support confirmation information registered in the credit recovery support server Transmitting to an accounting server, the accounting server searching for a credit recovery support confirmation account corresponding to the transmitted credit recovery support application account information, and registering the account as a credit recovery support confirmation account; Calculating the interest on the credit recovery support until the credit recovery support date is confirmed, and transmitting at least credit recovery support application account information, credit recovery support confirmation account information, and interest interest information to the credit recovery support server; Send account information for recovery support, credit information for credit recovery support, and interest interest A credit recovery support confirmation step comprising receiving the credit recovery support confirmation account information and the interest earned for the credit recovery support application account information; Method of managing a credit recovery support subject bonds, characterized in that comprises a. The method of claim 1, Registering the repayment collection contents information received from the credit recovery committee in the form of a database to the credit recovery support server, the credit recovery support server to the credit recovery support confirmation account information corresponding to the credit recovery support application information collected Retrieving the reimbursement payment, comprising: retrieving the credit recovery support determination account information and repayment collection details thereof to the account server, and storing the repayment collection history for the credit recovery support determination account information by the accounting server; step ; The management method of the credit recovery support target bond, characterized in that the addition. The method of claim 2, Registering information on the credit recovery support invalid user received from the Credit Recovery Committee in the form of a database in the credit recovery support server, the credit recovery support server confirms the credit recovery support for the credit recovery support invalid user account information and interest Retrieving the credit recovery support confirmation account information, uninterested interest, and the date of invalidation to the accounting server by retrieving the account, and the accounting server recovers the credit recovery support confirmation account and the corresponding interest interest according to the transmitted information. Invalidation of credit recovery support, including calculating interest from The management method of the credit recovery support target bond, characterized in that the addition. The method of claim 1, The bond report is a management method of the credit recovery support target bond, characterized in that the CSV file. The information on the credit recovery support applicant received from the Credit Recovery Committee is stored in the database of the applicant in the form of a database, and the information about the credit recovery support applicant stored in the applicant database is sent to the accounting server. Credit recovery support application account inquiry information including account number, account-specific bonds, support subject information, and branch information is stored in the account inquiry database, and each branch is in charge of the account recovery support application information sent from the terminal of each branch. A credit report module configured to store information on a store's opinion on an account in an account inquiry database, and to prepare a bond report for a credit recovery support applicant through a file in the form of a database through the credit recovery support application account inquiry information and a branch opinion information; The credit recovery support confirmation information received from the Credit Recovery Committee is stored in the database of the determinant in the form of a database, the credit recovery support application information and the credit recovery support confirmation date information among the credit recovery support confirmation information are transmitted to the account server, and the credit from the account server. Credit recovery support confirmation module configured to receive account recovery information, credit recovery support confirmation account information, and uninterested interest information and store credit recovery support confirmation account information and uninterested interest for the corresponding credit recovery support application account information in the determinant database. ; The management system of the credit recovery support subject bonds, characterized in that the made. The method of claim 5, A credit recovery support confirmation account information corresponding to the credit recovery support application account information from which the repayment was collected is stored in the reimbursement database in the form of a database and the repayment collection contents information received from the credit recovery committee is confirmed. A repayment collection module configured to search the database and send credit recovery support confirmation account information and repayment collection details thereof to the accounting server; The management system of the credit recovery support subject bonds, characterized in that the addition. The method of claim 6, Register the information on the credit recovery support invalidator received from the Credit Recovery Committee in the database of the determinant in the form of a database, and retrieve the credit recovery support confirmation account information and the interest earned on the credit recovery database to the accounting server. Credit recovery support invalidation module configured to transmit credit recovery support confirmed account information, interest, and date of invalidity; The management system of the credit recovery support subject bonds, characterized in that the addition. The method of claim 7, wherein The determinant database includes at least a credit recovery confirmer unique number field, a credit recovery support application account number field, a bond amount field, an uninterested interest field, a credit recovery support confirmation date field, a credit recovery support confirmation account number field, and a credit recovery support loss date field. The management system of the credit recovery support target bonds, characterized in that made by. The method of claim 5, The account inquiry database includes at least an applicant unique number field, a credit recovery support application account number field, a bond amount field, a corresponding branch identification number field, and a representative branch opinion information field. The method of claim 5, The bond report is a credit recovery support target management system, characterized in that the CSV file.