KR100876593B1 - Examination station automatic assignment method - Google Patents

Abstract

The present invention relates to a method and system for automatically assigning examination stations and a program recording medium for the same. The method for automatically assigning examination stations according to the present invention includes at least one inspection station information and each examination station from a predetermined ledger D / B in a predetermined information registration unit. Checking the audit history information of the auditor and storing the audit history information for each auditor in a predetermined storage medium, and the customer information, loan amount information, loan period information, loan repayment information, etc. Receiving loan application information including at least one of; and retrieving at least one or more examination station information corresponding to the received loan application information by interworking with the storage medium in a predetermined information retrieval means; Among the at least one examiner information retrieved from the examiner allocation means, the loan application customer Confirming the ministry information, assigning the identified auditor to the auditor for the loan application approval of the loan application customer, and processing the assigned auditor information with the customer information or the customer loan application information in a predetermined information storage means; Storing in a predetermined storage medium.

Description

Method for Assigning Loan Officer Automatically}

1 is a diagram illustrating an information processing system for automatic assignment of examination station corresponding to a customer loan approval application according to an embodiment of the present invention.

2 is a view showing the configuration of a loan ledger stored in the ledger D / B provided in the DBMS on the financial system for extracting the auditor information and the audit history information for the automatic assignment of auditors according to an embodiment of the present invention.

3 is a view showing a face-to-face loan application information registration system for a predetermined loan application according to an embodiment of the present invention.

4 is a view showing the configuration of loan application information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for a predetermined loan application according to an embodiment of the present invention.

5 is a view showing the configuration of the loan application information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for a predetermined loan application according to another embodiment of the present invention.

6 is a view showing the configuration of the loan application information stored in the DBMS provided in the banking server in a face-to-face manner for a predetermined loan application according to another embodiment of the present invention.

7 is a diagram illustrating a process of registering loan application information in a face-to-face manner according to an embodiment of the present invention.

8 is a view showing a non-face-to-face loan application information registration system for a predetermined loan application according to another embodiment of the present invention.

9 is a view showing the configuration of loan application information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face manner for a predetermined loan application in accordance with an embodiment of the present invention.

10 is a view showing the configuration of the loan application information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for a predetermined loan application according to another embodiment of the present invention.

11 is a view showing the configuration of loan application information stored in the DBMS provided in the banking server in a non-face-to-face manner for a predetermined loan application according to another embodiment of the present invention.

12 is a diagram illustrating a process of registering loan application information in a non-face-to-face manner for a predetermined loan application according to an embodiment of the present invention.

13A and 13B illustrate a process of registering loan application information in a non-face-to-face manner for a predetermined loan application according to another exemplary embodiment of the present invention.

14 is a diagram illustrating a system for automatically assigning an auditor for automatic auditor assignment for a customer loan application according to an embodiment of the present invention.

FIG. 15 is a diagram illustrating a configuration of a loan ledger stored in a ledger D / B provided in a DBMS on a financial system for storing automatically assigned examination station information according to an exemplary embodiment of the present invention.

FIG. 16 is a diagram illustrating a configuration of auditor assignment information stored in a database associated with the ledger D / B included in a DBMS on a financial system for storing automatically assigned auditor information according to another exemplary embodiment of the present invention.

FIG. 17 is a diagram illustrating the configuration of auditor assignment information stored in a DBMS provided in a banking server in order to store automatically assigned auditor information according to another exemplary embodiment of the present invention.

18 is a diagram illustrating a system for automatically assigning an auditor for automatic auditor assignment for a customer loan application according to an embodiment of the present invention.

<Description of main parts of drawing>

100: information processing server 105: information extraction unit

110: information processing unit 115: information storage unit

120: storage medium

1400: automatic station assignment server 1405: information confirmation unit

1410: Information retrieval unit 1415: Examination station allocation

1420: information transmission unit 1425: information storage unit

1430: storage medium

The present invention comprises the steps of identifying at least one or more auditor information and audit history information of each auditor from a predetermined ledger D / B in a predetermined information registration means, and stores the audit history information for each auditor on a predetermined storage medium; Receiving loan application information including at least one of customer information, loan amount information, loan period information, and loan repayment information of a predetermined loan application customer in the information receiving means; and interworking with the storage medium in a predetermined information retrieval means. Retrieving at least one or more inspection station information corresponding to the received loan application information, and checking the inspection station information that is optimal for the loan application customer among the at least one or more inspection station information retrieved by a predetermined inspection station assignment means, Allocating the identified reviewer to the reviewer for loan application approval of the loan request customer Simsayeok the information in the assignment of the data storage means relates to simsayeok automatic assignment method comprising the step of storing in a storage medium processing associated with the client information or client loan information.

The auditor of a financial institution conducts a predetermined corporate valuation for credit services, such as a company, and determines the execution of the credit based on the result of the valuation of the company, and the corporate valuation of such auditor has a significant impact on future asset soundness. Get mad.

On the other hand, since the process of assigning the auditor to the credit approval application is complicated and time-consuming, it is time to find new ways to increase the efficiency of credit-related work.

An object of the present invention for solving the above problems is to check the at least one auditor information and audit history information of each auditor from a predetermined ledger D / B, and register the information to store the audit history information for each auditorium in a predetermined storage medium Means, information receiving means for receiving loan application information including at least one of customer information, loan amount information, loan period information, and loan repayment information of a predetermined loan application customer; and in connection with the storage medium, Information retrieval means for retrieving at least one or more examination station information corresponding to the loan application information, and among the searched at least one or more examination station information, the inspection station information optimal to the loan application customer is checked, and the checked examination station is applied to the loan application customer. Recalling the jury assignment means and the jury assignment information assigned to the jury for approval of loan application Processing information associated with a customer or customer loan application information to provide an automatic simsayeok assignment system including a data storage means for storing in a predetermined storage medium.

In accordance with the present invention, the method for automatically assigning examination stations checks at least one or more examination station information and examination history information of each examination station from a predetermined ledger D / B in a predetermined information registration unit, and assigns examination history information for each examination station to a predetermined storage medium. Storing the loan application information including at least one of customer information, loan amount information, loan period information, loan repayment information, and the like of the predetermined loan application customer; Means for retrieving at least one or more examination station information corresponding to the received loan application information in interworking with the storage medium, and among the at least one or more examination station information retrieved by a predetermined examination station assignment unit, the loan application customer is optimal Check the reviewer information of the review, the reviewer for the loan application customer The step of assigning to the ministry and in the predetermined information storage means characterized in that it comprises the step of storing in a predetermined storage medium by processing the assigned examination information with the customer information or customer loan application information.

According to the present invention, in connection with the storage medium, retrieving at least one or more examination station information corresponding to the received loan application information, the loan application company name (or business registration number, corporate registration) included in the loan application information Number, etc.) to search for the examiner information that examined the loan application company, or to confirm the number of employees included in the loan application information, and to obtain the same conditions (e.g., the number of employees or the size of the company (small and medium-sized companies)). Search for the information on the auditor who performed the audit for the company having the company, or check the company size (SME, etc.) included in the loan application information, and have the same conditions (for example, the number of employees or the company size (SME, etc.)). Search for the information on the auditor who performed the audit of the company, or check the number of employees and whether or not to be listed in the loan application information. By searching the information of the auditor who performed the audit for the company having the same conditions (for example, the number of employees or whether the company is listed), or confirming the company size (small and medium-sized companies, etc.) and listing included in the loan application information, And at least one search for the information on the auditor who performed the audit for the company having the same condition (for example, the size of the company (small and medium-sized enterprises) and listing).

According to the present invention, the method for automatically assigning the examination station is characterized in that it comprises the step of transmitting the assigned examination station information to the loan application reception window terminal or the loan application customer terminal in a predetermined information transmission means.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described automatic examination station automatic allocation method.

On the other hand, the automatic inspection station assignment system according to the present invention, by confirming at least one or more auditor information and audit history information of each auditor from a predetermined ledger D / B, and registers the information to store the audit history information for each auditorium in a predetermined storage medium Means, information receiving means for receiving loan application information including at least one of customer information, loan amount information, loan period information, and loan repayment information of a predetermined loan application customer; Information retrieval means for retrieving at least one or more examinee information corresponding to the loan application information, and among the retrieved at least one or more examinee information, check the information of the examinee optimal for the loan application customer, and apply the identified examinee to the loan application. Recalling the jury assignment means for assigning to the jury for approval of the loan application by the customer and the assigned jury information And information storage means for storing the data in a predetermined storage medium in association with the customer information or the customer loan application information.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or a system that is commonly provided in the art to which the present invention belongs The functional configuration is omitted as much as possible, and will be mainly described for the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating an information processing system for automatic assignment of examination station corresponding to a customer loan approval application according to an embodiment of the present invention.

In more detail, FIG. 1 shows loan information for at least one customer from the ledger D / B on the financial system in order to automatically assign a screening station corresponding to the customer's loan application when a given customer applies for the loan. For example, the company information, loan amount information, examination station information, etc.) is extracted, and the predetermined examination station information and the examination history information of the examination station are confirmed from the extracted loan information, and the predetermined examination history information for each examination station is stored. Regarding the system configuration to be stored in the medium 120 (or ledger D / B), those skilled in the art to which the present invention pertains, refer to or modify this drawing 1 to apply for a predetermined customer loan approval Various system configurations for linking and processing the audit history information for each audit station in a predetermined storage medium 120 for automatic assignment of audit station corresponding to the test station Exemplary method would be able to infer, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, referring to the loan ledger on the financial system on the information processing system shown in FIG. 1, the audit history information for each audited station is linked to be stored in a predetermined storage medium 120 (or ledger D / B). Components corresponding to one or more means or functional configurations are called " information processing server 100 " for convenience, and the information processing server 100 preferably includes an account system on a financial system connected through a predetermined financial network. 1 shows the information processing server 100 as a ledger server associated with the account system of the financial system for convenience of description, the present invention is not limited thereto.

Referring to FIG. 1 according to an embodiment of the present invention, an information processing system for automatic assignment of examination station corresponding to the predetermined customer loan approval application is provided with a financial ledger including at least one customer loan information. And the inspection system for each inspection station for automatic assignment of examination stations corresponding to the predetermined customer loan approval application in connection with the financial system, and the predetermined storage medium 120 includes an information processing server 100. It is characterized by.

Referring to FIG. 1, the financial system including a loan ledger in which loan information of a predetermined customer is recorded in connection with the information processing server 100 may include at least one financial account (eg, a loan) for at least one financial transaction customer. Account, etc.), and is a computerized system provided to financial institutions to provide at least one financial transaction service (eg, loan service, etc.) based on the financial account, and is generated at at least one branch (or window). An accounting system that handles window services such as credit or receiving or trust or foreign exchange; an information system that processes headquarters operations, branch office information support and customer information management; and the financial system and at least one other financial system (or payment system) Interconnection, or at least one or more ratios provided in at least one external communication network Access to the financial system from face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.), or at least one common network (e.g. CD common network, financial common network) And an external system that provides various financial transaction interfaces through the interface, and the financial system includes an interface module corresponding to a middleware platform for providing interfacing between components in the financial system; DBMS (DataBase Management System) including at least one database that stores and manages predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in a component of the financial system. It is characterized by comprising a).

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system, the financial institution opens at least one financial account (eg, loan account) to at least one or more financial transaction customers, at least one or more financial based on the financial account It provides a transaction service (for example, loan service, etc.), characterized in that it comprises a ledger D / B for storing at least one ledger in which customer loan information for checking the audit history information for each examination area is recorded, Ledger D / B corresponds to at least one or more ledger information (eg, customer ledger, loan ledger, account ledger, etc.) for processing at least one or more financial transactions that the financial institution will provide to the financial transaction customer. At least one ledger additional information (eg, to further refine or supplement each ledger's attributes / functions) It characterized in that it is linked to the storage process (Relationship), and the ledger information is characterized in that it comprises a lending ledger to record information in a predetermined lending client.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is stored in a relational manner, or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood, detailed description thereof will be omitted for convenience.

The information processing server 100 provided on the information processing system according to the present invention is a generic term for the information processing system side components connected to the financial system, and may be implemented including at least one server (or device), Alternatively, the present invention may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, the information processing server 100 is a ledger server provided on the financial system, or a server (or device) provided in an external system on the financial system, or on the financial system. It may be a program provided in the external system, whereby the present invention is not limited.

The storage medium 120 provided on the information processing system according to the present invention is characterized in that for storing the audit history information for each inspection area based on the customer loan information extracted from the ledger D / B provided on the financial system. In addition, the audit history information for each inspection station stored in the storage medium 120 is used for automatically assigning an optimal examination station corresponding to the loan application when a predetermined customer requests a predetermined loan.

The auditor information preferably includes at least one or more of an auditor's name, a job title, a duty department (a branch or a branch or a main office), a company number, a phone number, an e-mail, and the like, which perform an approval review for the loan application of the customer.

The audit history information is detailed information on at least one loan case examined by the auditor, and includes an audit company (eg, company name, company size, loan amount, industry type, number of employees, affiliate information, loan date and time, audit date and time), and the like. It is desirable to include at least one of the number of audits, audit period, audit report, and post-management status.

According to one embodiment of the invention, the storage medium 120 is preferably provided in a DBMS on a financial system provided on the information processing system (or associated with the information processing system), wherein the storage medium 120 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 120 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information processing system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Referring to FIG. 1, the information processing server 100 may extract the at least one customer loan information from the ledger D / B on the financial system in association with the financial system, and the extracted at least one. An information processing unit 110 for checking the auditor information and the audit history information from at least one customer loan information, and the information storage unit 115 classifying the extracted audit history information for each auditorium and storing the extracted audit history information in a predetermined storage medium 120. It is characterized by comprising.

The information extracting unit 105 extracts at least one or more customer loan information (eg, company information, loan amount information, examination station information, etc.) from the ledger D / B on the financial system. It provides to the information confirmation unit.

When the at least one loan information is extracted through the information extraction unit 105, the information processing unit 110 analyzes the extracted loan information, checks the auditor information included in the loan information, and checks the checked auditor. Characterized in that it generates the audit history information corresponding to, and provides the audit history information for each audited station to the information storage unit 115.

The information storage unit 115 stores the audit history information for each audit region in a predetermined storage medium 120 (or ledger D / B) when the audit history information for each audit region is provided through the information processor 110. It is characterized by.

2 is a view showing the configuration of a loan ledger stored in the ledger D / B provided in the DBMS on the financial system for extracting the auditor information and the audit history information for automatic assignment of auditors according to an embodiment of the present invention.

More specifically, FIG. 2 illustrates a configuration of a loan ledger stored in a ledger D / B on a financial system for extracting loan information (eg, company information, loan amount information, examination station information, etc.) for at least one customer. Those skilled in the art to which the present invention pertains may refer to various modifications of the ledger configuration in which the loan ledger is stored in the ledger D / B by referring to or modifying the drawing 2, but the present invention infers the above. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and a loan ledger associated with the customer ledger (eg, credit ledger) , Account ledger, etc.) and at least one or more pieces of information associated with the loan ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger provided in the DBMS on the financial system D / B further includes at least one ledger (e.g., an account ledger, a secured ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the loan ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the loan ledger is linked to the customer ledger relational, loan number, CIF number, collateral, loan, counseling number, approval number, approval application number, execution date, principal repayment method, interest repayment method, interest repayment cycle , After-sales management code, repayment amount (principal), repayment amount (interest), business fund number, etc., and comprises a loan number, approval number, approval history, approval application number, approver for the loan ledger It includes the approval history including at least one, and the loan transaction corresponding to the account ledger, at least one or more loan number, transfer date, transfer amount, transfer registration number.

Here, the approval details are connected in relation to the approval application details including loan number, approval number, approval application number, consultation number, application details, and the approval application details are loan number, approval number, approval application number, consultation It consists of counseling history including number and application amount and relation type.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the loan ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

3 is a diagram illustrating a face-to-face loan application information registration system for a predetermined loan application according to an embodiment of the present invention.

In more detail, Figure 3 is a predetermined customer (for example, a company or an individual) through a predetermined information registration interface to the loan application information registration system for the predetermined loan application customer information, loan amount information, loan period information, loan When the loan application information including at least one or more repayment information is provided, the loan application information registration system processes the customer information, the loan amount information, the loan period information, and the loan repayment information included in the provided loan application information in a predetermined manner. As a system configuration for storing in the storage medium 330 of the present invention, those skilled in the art to which the present invention pertains, refer to or modify this drawing 3 configuration of loan application information registration system for a predetermined loan application Various implementation methods may be inferred, but the present invention includes all implementation methods inferred and It shall not be limited to the exemplary method shown in the third surface.

Hereinafter, at least one means or function configuration for storing loan application information provided from the customer in the storage medium 330 through a predetermined information registration interface on the loan application information registration system shown in FIG. The component is referred to as "loan application information registration server 300" for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, the loan application information registration system for the predetermined loan application includes an information registration terminal 335 including a window terminal provided at at least one financial institution branch. The information registration terminal 335 is connected to the loan application information registration server 300 provided on the loan application information registration system through a predetermined financial network.

According to one embodiment of the present invention, the customer visits the financial institution branch for the predetermined loan application, and through the window provided at the financial institution branch (or through a teller) for a predetermined loan application After completing a prescribed application (eg, a document with a form for filling in at least one item of information for a given loan application) and submitting the completed application to the counter clerk, the counter clerk will The information entered in the application is input (or selected) through the teller terminal, the loan application information registration server 300 provided on the loan application information registration system through the financial network to the input (or selected) information Is preferred.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, loan application information registration server 300 connected to the teller terminal is provided on the predetermined financial system It is preferable that the ledger server is made, wherein the financial network connecting the teller terminal and the loan application information registration server 300 connects the communication channel between the teller terminal and the loan application information registration server 300 It is preferable to comprise a.

In the loan application information registration system as described above, an application created by the customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the loan application information registration server 300 is provided by the customer. It performs a function of an information registration interface for registering loan application information for a predetermined loan application.

The storage medium 330 provided on the loan application information registration system according to the present invention includes the customer information, loan amount information, loan period information, and loan included in the loan application information provided from the information registration terminal 335. Characterized in that the repayment information is stored in a predetermined storage medium 330, and comprises at least one or more of the customer information, loan amount information, loan period information, loan repayment information stored in the storage medium 330 Loan application information is used for the predetermined loan application.

The customer information is the company's unique information (e.g., company name, business registration number, corporation registration number, type of business (major owned business type), business status, representative if the customer who writes a loan application for the predetermined loan Name, address, telephone number, fax number, mobile phone number, e-mail address, date of establishment, date of affiliated company, settlement date, number of employees, size of company (small and medium sized company, etc.) Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the loan application information registration system in response to the enterprise by joining the financial transaction customer of the financial institution. Number or the like) or an account number provided in the account ledger.

The loan amount information preferably comprises the amount of information that the customer wants to borrow through the loan application.

The loan period information preferably comprises loan period information according to the loan application of the customer.

The loan repayment information preferably comprises the principal and interest repayment information according to the loan of the customer.

According to an embodiment of the present invention, the storage medium 330 is preferably provided in a DBMS on a financial system provided on the loan application information registration system (or associated with the loan application information registration system). At this time, the storage medium 330 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 330 is provided on (or associated with) the loan application information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The loan application information registration server 300 provided on the loan application information registration system according to the present invention is a generic term for components of the loan application information registration system side connected to the information registration terminal 335 through a predetermined financial network. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited thereto. No.

According to an embodiment of the present invention, when the information registration terminal 335 is a window terminal connected to a predetermined financial network, the loan application information registration server 300 is connected to the window terminal through a predetermined financial network. It may be a ledger server provided on the system, or a server (or device) provided on the external system on the financial system, or a program provided on the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the loan application information registration server 300 is provided with an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal 335 through the financial network. It features.

According to an exemplary embodiment of the present invention, when the information registration terminal 335 is a window terminal connected to a predetermined financial network, the interface unit 305 may be connected to the window terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to Figure 3, the loan application information registration server 300 after the predetermined information registration terminal 335 connects the communication channel with the loan application information registration server 300 through the interface unit 305, The information registration terminal 335 generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined loan application information from the information registration terminal 335 in association with the interface unit 305. Information for receiving the loan application information input (or selected) transmitted by the information registration terminal 335 through the user interface in conjunction with the interface providing unit 310 and the interface unit 305 provided in the Receiving unit 315, the validity confirming unit 320 to check the validity of the received loan application information, the customer information, loan amount information, loan included in the loan application information confirmed validity To process the information between, loan repayment information associated with a data storage unit 325 for storing a predetermined storage medium (330) characterized by comprising.

The interface providing unit 310 is connected to the information registration terminal 335 after a predetermined information registration terminal 335 connects a communication channel with the loan application information registration server 300 through the interface unit 305. Corresponding to the functional configuration provided to generate (or select) the loan application information to generate a predetermined user interface that can be transmitted to the loan application information registration server 300 via the financial network, or a predetermined database (shown And extract the generated (or extracted) user interface in cooperation with the interface unit 305 to the information registration terminal 335 through the financial network.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) the loan application information to the information registration terminal 335 and transmitting the loan application information to the loan application information registration server 300 through the financial network. When the predetermined information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal 335 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 335 inputs (or selects) loan application information including at least one of the customer information, the loan amount information, the loan period information, and the loan repayment information, based on the user interface. (Or selected) the loan application information is transmitted to the loan application information registration server 300 through the financial network.

According to an exemplary embodiment of the present invention, when the information registration terminal 335 is a window terminal connected to a predetermined financial network, the interface providing unit 310 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 305.

The information receiver 315 inputs (or selects) loan application information including at least one of customer information, loan amount information, loan period information, and loan repayment information through the user interface at the information registration terminal 335. When transmitting through the financial network, it is characterized in that for receiving the loan application information in conjunction with the interface unit 305, and provides the received loan application information to the validity verification unit 320.

The validity verification unit 320 is characterized in that whether the loan application information received from the information registration terminal 335 satisfies the validity for a predetermined loan application.

According to the method of the present invention, the validity of the loan application information is determined whether at least one or more ledger information matching the loan application information is registered in the ledger D / B on the financial system associated with the loan application information registration system It is preferable to include checking.

For example, the validity check of the loan application information includes an account ledger stored in the ledger D / B of the customer account information (eg, a loan account, etc.) included in the loan application information on a financial system linked to the loan application information registration system. It is desirable to include checking that the match with.

When the validity of the loan application information is confirmed, the information storage unit 325 processes the customer information, loan amount information, loan period information, loan repayment information included in the loan application information in association with the storage medium 330. And storing the information when the storage medium 330 is provided in the loan application information registration server 300 or on the network associated with the loan application information registration server 300. Part 325 is preferably stored in the storage medium 330 by processing the customer information, loan amount information, loan period information, loan repayment information included in the received loan application information, the storage medium 330 ) Is provided in the DBMS provided on the financial system, the information storage unit 325 is the customer information, loan amount information, loan period information, loan repayment information included in the received loan application information the financial system It is desirable to provide the information system through the external system of the store and store it in the DBMS provided on the financial system.

4 is a diagram showing the configuration of loan application information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for a predetermined loan application according to an embodiment of the present invention.

More specifically, FIG. 4 shows the customer information and loan amount in the ledger information provided in the ledger D / B when the storage medium 330 shown in FIG. 3 is the ledger D / B provided in the DBMS on the financial system. FIG. 4 illustrates an information structure of an implementation method in which loan application information including information, loan period information, and loan repayment information is stored, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to or modifying it may be inferred from the various information configuration methods for storing the loan application information in the ledger D / B, the present invention includes all the implementation methods inferred, with only the implementation method shown in Figure 4 It is not limited.

Referring to FIG. 4 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and a loan ledger associated with the ledger (eg, a credit ledger). , Account ledger, etc.) and at least one or more pieces of information associated with the loan ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger provided in the DBMS on the financial system D / B further includes at least one ledger (e.g., account ledger, secured ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and loan ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the loan ledger is linked to the customer ledger relational, loan number, CIF number, collateral, loan, counseling number, approval number, approval application number, execution date, principal repayment method, interest repayment method, interest repayment cycle , After-sales management code, repayment amount (principal), repayment amount (interest), business fund number, etc., and comprises a loan number, approval number, approval history, approval application number, approver for the loan ledger It includes at least one approval history and a loan transaction corresponding to the account ledger, at least one or more loan number, transfer date, transfer amount, transfer registration number.

Here, the approval details are connected in relation to the approval application details including a loan number, approval number, approval application number, consultation number, application details, and the approval application details are loan number, approval number, approval application number, It consists of counseling history and relation type including consultation number and application amount.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the loan ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 4, the loan application information provided through the loan application information registration system shown in FIG. 3 is stored in the form of additional information added to the loan ledger. Characterized in that it comprises at least one or more amount information, loan period information, loan repayment information.

The customer information is the company's unique information (e.g., company name, business registration number, corporation registration number, type of business (major owned business type), business status, representative if the customer who writes a loan application for the predetermined loan Name, address, telephone number, fax number, mobile phone number, e-mail address, date of establishment, date of affiliated company, settlement date, number of employees, size of company (small and medium sized company, etc.) Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the loan application information registration system in response to the enterprise by joining the financial transaction customer of the financial institution. ) Or at least one or more of an account number provided in the account ledger.

The loan amount information preferably comprises the amount of information that the customer wants to borrow through the loan application.

The loan period information preferably comprises loan period information according to the loan application of the customer.

The loan repayment information preferably comprises the principal and interest repayment information according to the loan of the customer.

According to another exemplary embodiment of the present invention, the loan application information is stored in the form of information included in the loan ledger (not shown), or additional information added to another ledger other than the loan ledger (eg, a customer ledger). It is possible to be stored in the form, or in the form of information contained in the other ledgers (for example, customer ledger) other than the loan ledger, whereby the present invention is not limited.

5 is a view showing the configuration of the loan application information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for a predetermined loan application according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates an information structure of an exemplary embodiment in which the storage medium 330 shown in FIG. 3 is stored in a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As one of ordinary skill in the art to which the present invention pertains, various information configuration methods for storing the loan application information in association with the ledger D / B and storing the loan application information in a predetermined database by referring to or modifying the present invention. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 5 illustrates a case in which it is not easy to store the loan application information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in accordance with the policy of a financial institution, If it is not easy to change or system expansion is not easy due to the characteristics of the financial system), the loan application information is stored in a predetermined database instead of the ledger D / B, and the database is linked to the ledger D / B. The implementation method of processing and storing is shown.

In addition, the database shown in FIG. 5 does not have to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 5, and a database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 5, the database stores and stores the customer information, loan amount information, loan period information, and loan repayment information included in the loan application information, and the loan application information is stored in the ledger D /. It is preferable that the loan application information further includes a CIF number corresponding to the ledger information in order to be processed in association with B.

The customer information is the company's unique information (e.g., company name, business registration number, corporation registration number, type of business (major owned business type), business status, representative if the customer who writes a loan application for the predetermined loan Name, address, telephone number, fax number, mobile phone number, e-mail address, date of establishment, date of affiliated company, settlement date, number of employees, size of company (small and medium sized company, etc.) Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the loan application information registration system in response to the enterprise by joining the financial transaction customer of the financial institution. Number or the like) or an account number provided in the account ledger.

The loan amount information preferably comprises the amount of information that the customer wants to borrow through the loan application.

The loan period information preferably comprises loan period information according to the loan application of the customer.

The loan repayment information preferably comprises the principal and interest repayment information according to the loan of the customer.

6 is a view showing the configuration of the loan application information stored in the DBMS provided in the banking server in a face-to-face manner for a predetermined loan application according to another embodiment of the present invention.

In more detail, FIG. 6 shows a DBMS in which the storage medium 330 shown in FIG. 3 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As an embodiment provided in the present invention, those skilled in the art to which the present invention belongs, loan application stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the present figure 6 It will be possible to infer a method for constructing information on information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 6, a predetermined DBMS provided in the banking server may store and store customer information, loan amount information, loan period information, and loan repayment information included in the loan application information.

The customer information is the company's unique information (e.g., company name, business registration number, corporation registration number, type of business (major owned business type), business status, representative if the customer who writes a loan application for the predetermined loan Name, address, telephone number, fax number, mobile phone number, e-mail address, date of establishment, date of affiliated company, settlement date, number of employees, size of company (small and medium sized company, etc.) Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the loan application information registration system in response to the enterprise by joining the financial transaction customer of the financial institution. Number or the like) or an account number provided in the account ledger.

The loan amount information preferably comprises the amount of information that the customer wants to borrow through the loan application.

The loan period information preferably comprises loan period information according to the loan application of the customer.

The loan repayment information preferably comprises the principal and interest repayment information according to the loan of the customer.

7 is a diagram illustrating a process of registering loan application information in a face-to-face manner according to an embodiment of the present invention.

In more detail, in FIG. 7, the loan application information registration server 300 on the loan application information registration system illustrated in FIG. 3 provides a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In the case, the counter terminal connects to the loan application information registration server 300 to connect a communication channel for registration of loan application information according to the present invention, and then the loan application information registration server through the communication channel. When the loan application information including the customer information, loan amount information, loan period information, loan repayment information is transmitted to 300, the customer included in the received loan application information at the loan application information registration server 300. As an embodiment of the present invention relates to a method of storing information, loan amount information, loan period information, and loan repayment information in a predetermined storage medium 330, If one of ordinary skill in the art can refer to or modify this figure 7, it is possible to infer various implementation methods for registering the loan application information with the loan application information registration server 300 at the window terminal. Includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the window terminal shown in FIG. 3 is referred to as a “terminal” for convenience, and the loan application information registration server 300 shown in FIG. 3 is referred to as a “server” for convenience. The customer information, loan amount information, loan period information, loan repayment information transmitted to the loan application information registration server 300 is referred to as "loan application information" for convenience.

Referring to FIG. 7, the window terminal shown in FIG. 3 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the loan application information, and connects the predetermined communication channel. When requesting the loan application information registration (700), the server generates (or extracts) a predetermined information registration interface for registering the loan application information (705), and the generated (or extracted) through the communication channel The information registration interface is transmitted to the terminal for output (710).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) loan application information including at least one of the customer information, loan amount information, loan period information, and loan repayment information. It is preferable to comprise.

Thereafter, the terminal inputs (or selects) loan application information including at least one or more customer information, loan amount information, loan period information, and loan repayment information through the information registration interface (715).

If the terminal receives (or selects) loan application information including the customer information, loan amount information, loan period information, and loan repayment information through the information registration interface (720), the terminal is connected to the financial network. The loan application information including the input (or selected) customer information, loan amount information, loan period information, and loan repayment information is transmitted to the server (725).

Thereafter, the server receives and reads the customer information, the loan amount information, the loan period information, and the loan repayment information through the financial network to check the validity of the loan application information (730).

According to the method of the present invention, the validity of the loan application information is determined whether at least one or more ledger information matching the loan application information is registered in the ledger D / B on the financial system associated with the loan application information registration system It is preferable to include checking.

For example, checking the validity of the loan application information includes the account ledger stored in the ledger D / B of the customer account information (eg, loan account, etc.) included in the loan application information on the financial system linked to the loan application information registration system. It is desirable to include checking that the match with.

If the validity of the loan application information is not authenticated (735), the server generates predetermined information registration error information and transmits it to the terminal (740), and does not perform the information registration procedure corresponding to the loan application information. Do not.

On the other hand, if the validity of the loan application information is authenticated (735), the server performs an information registration procedure corresponding to the loan application information, thereby processing the customer information, loan amount information, loan period information, loan repayment information in association The storage medium 330 is stored in the predetermined storage medium 330 (745).

According to an embodiment of the present invention, the storage medium 330 is preferably provided in a DBMS on a financial system provided on the loan application information registration system (or associated with the loan application information registration system). At this time, the storage medium 330 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 330 is provided on (or associated with) the loan application information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (750), thereby completing the procedure of registering the loan application information transmitted from the terminal.

8 is a view showing a non-face-to-face loan application information registration system for a predetermined loan application according to another embodiment of the present invention.

In more detail, Figure 8 shows a predetermined customer (company or individual) through a predetermined information registration interface to the loan application information registration system for the predetermined loan application customer information, loan amount information, loan period information, loan repayment information When providing loan application information including at least one, the loan application information registration system stores the predetermined information by linking the customer information, loan amount information, loan period information, loan repayment information included in the provided loan application information Regarding the system configuration to be stored in the medium 830, those skilled in the art to which the present invention pertains, refer to or modify the present Figure 8 for a loan application information registration system configuration for a predetermined loan application Various practical methods may be inferred, but the present invention encompasses all the practiced methods inferred, as shown in FIG. Indicated is not limited only exemplary method.

Hereinafter, at least one means or function configuration for storing the loan application information provided from the customer in the storage medium 830 through a predetermined information registration interface on the loan application information registration system shown in FIG. The component is referred to as "loan application information registration server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, the loan application information registration system for a predetermined loan application includes at least one client terminal including at least one wired terminal or a wireless terminal used by a customer. And an information registration terminal 835, wherein the information registration terminal 835 communicates with the loan application information registration server 800 provided on the loan application information registration system through a predetermined network means. The channel is connected.

According to an exemplary embodiment of the present invention, the customer accesses the loan application information registration server 800 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, When the loan application information for the predetermined loan application is input (or selected) through at least one user interface provided by the loan application information registration server 800, the client terminal provides the loan through a predetermined network means. It is preferable to transmit to the loan application information registration server 800 provided on the application information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the loan application information registration server 800 connected to the client terminal is any one of an Internet banking server, a wireless banking server, a tele banking server or a TV banking server according to the characteristics of the client terminal and network means, or the information. It is preferable to include a separate web server for registration.

In addition, the network means for connecting the client terminal and the loan application information registration server 800 is based on the CDMA-based mobile communication network or IEEE 802.16x-based portable Internet or DataTAC / Mobitex based on the type of wireless communication network connected to the client terminal It is preferable that the wireless data communication network is any one of the above, or a wireless communication network including all kinds of future proposals including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the loan application information registration server 800, input or select at least one or more information through the user interface to the loan application information registration server 800 It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the loan application information registration server 800, etc.) for transmission to the network is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the loan application information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wireline connecting the client terminal and the loan application information registration server 800. The communication network or wireless communication network performs a function of an information registration interface for the customer to register loan application information for the predetermined loan application.

According to another exemplary embodiment of the present invention, the information registration terminal 835 is an automatic teller machine (ATM), a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It further comprises a financial automatic device (not shown) including a cash dispenser (CD), or connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises a predetermined call terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or affiliated with the financial institution Terminal (or server) (not shown) provided in at least one or more institutions may be further included, whereby the present invention is not limited.

In the loan application information registration system as described above, when the information registration terminal 835 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) and the loan A financial network connecting the application information registration server 800 performs a function of an information registration interface for the customer to register loan application information for the predetermined loan application, or the information registration terminal 835 calls the call. In the case of a terminal (not shown), a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the loan application information registration server 800 is used by the customer for the predetermined loan application. To perform the function of the information registration interface for registering the loan application information for, or the terminal provided in the institution affiliated with the financial institution that is the information registration terminal 835 ( Or a server) (not shown), the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the loan application information registration server 800 is configured by the customer. It performs a function of an information registration interface for registering loan application information for a predetermined loan application.

The storage medium 830 provided on the loan application information registration system according to the present invention includes the customer information, loan amount information, loan period information, and loan included in the loan application information provided from the information registration terminal 835. It characterized in that the repayment information is stored in a predetermined storage medium 830 by linking, comprising at least one of the customer information, loan amount information, loan period information, loan repayment information stored in the storage medium 830 Loan application information is used for the predetermined loan application.

The customer information is the company's unique information (e.g., company name, business registration number, corporation registration number, type of business (major owned business type), business status, representative if the customer who writes a loan application for the predetermined loan Name, address, telephone number, fax number, mobile phone number, e-mail address, date of establishment, date of affiliated company, settlement date, number of employees, size of company (small and medium sized company, etc.) Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the loan application information registration system in response to the enterprise by joining the financial transaction customer of the financial institution. Number or the like) or an account number provided in the account ledger.

The loan amount information preferably comprises the amount of information that the customer wants to borrow through the loan application.

The loan period information preferably comprises loan period information according to the loan application of the customer.

The loan repayment information preferably comprises the principal and interest repayment information according to the loan of the customer.

According to one embodiment of the invention, the storage medium 830 is preferably provided in a DBMS on a financial system provided on the loan application information registration system (or associated with the loan application information registration system). At this time, the storage medium 830 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 830 is provided on (or associated with) the loan application information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The loan application information registration server 800 provided on the loan application information registration system according to the present invention is a generic term for the components of the loan application information registration system connected to the information registration terminal 835 through a predetermined network means. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the information registration terminal 835 is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the loan application information registration server 800 Is a predetermined Internet banking server provided on the Internet banking system, a program provided in the Internet banking server, or a predetermined server (or device) accessible to the external system of the financial system through the Internet banking system. Or a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the Internet banking server (or the server (or device)), or It may be a program provided in the external world on the financial system, whereby the present invention is not limited No.

According to another embodiment of the present invention, when the information registration terminal 835 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the loan application information registration server 800 is A predetermined wireless banking server provided on the wireless banking system, a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system; A program included in the server (or device), or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or the financial system. It may be a program provided in the external system of the image, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal 835 is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the loan application information registration server 800 is A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided on the telebanking system, a program included in the telebanking server, or an external system of the financial system through the telebanking system. A predetermined server (or device) accessible, a program included in the server (or device), or an external system on the financial system accessible through the telebanking server (or the server (or device)). It may be a server (or device), or a program provided in the external world on the financial system, whereby the present invention is not limited. The.

According to another embodiment of the present invention, when the information registration terminal 835 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the loan application information registration server 800 Is a predetermined TV banking server provided on the TV banking system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system. Or a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the TV banking server (or the server (or device)), or It may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to the implementation method of the present invention, the loan application information registration server 800 is provided with an interface unit 805 for connecting and managing a predetermined communication channel with the information registration terminal 835 through the network means. It features.

According to an exemplary embodiment of the present invention, when the information registration terminal 835 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 805 is a protocol defined in the wired communication network or a wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal based on a stack, and to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. Do.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 805 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the loan application information registration server 800, the interface unit 805 is based on the TCP / IP protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 835 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 805 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Or, if the client terminal is provided with a communication program (eg, IC chip-based banking program, etc.) provided by the loan application information registration server 800, the interface unit 805 is the client based on the CDMA protocol It connects a communication channel with a terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 835 is a financial automation device connected to a predetermined financial network, the interface unit 805 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the automated teller machine and using a communication protocol defined in a financial transaction related program included in the automated teller machine. .

According to another exemplary embodiment of the present invention, when the information registration terminal 835 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 805 is defined in the wired telephone network or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on the established voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 805 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the information registration terminal 835 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 8, the loan application information registration server 800 connects a communication channel with the loan application information registration server 800 through a predetermined information registration terminal 835 through the interface unit 805. The information registration terminal 835 is generated by generating (or extracting) a predetermined user interface for interoperating with the interface unit 805 to input (or select) and transmit predetermined loan application information from the information registration terminal 835. Receiving predetermined loan application information to be input (or selected) and transmitted from the information providing terminal 835 through the user interface in conjunction with the interface providing unit 810 and the interface unit 805 provided Information storage unit 815, the customer information, loan amount information, loan period information, loan repayment information included in the received loan application information is processed in conjunction with the information storage for storing in a predetermined storage medium 830 Characterized in that obtained by having a (825).

The interface providing unit 810 is connected to the information registration terminal 835 after a predetermined information registration terminal 835 connects a communication channel with the loan application information registration server 800 through the interface unit 805. In response to the provided functional configuration, a predetermined user interface capable of inputting (or selecting) the loan application information and transmitting the loan application information to the loan application information registration server 800 through the network means, or a predetermined database (shown in FIG. And extract the generated (or extracted) user interface in cooperation with the interface unit 805 to the information registration terminal 835 through the network means.

Thereafter, the information registration terminal 835 inputs (or selects) loan application information including at least one of the customer information, loan amount information, loan period information, and loan repayment information based on the user interface, and the input (Or selected) the loan application information is transmitted to the loan application information registration server 800 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 835 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 810 is the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a browser program or a communication program provided in the program, and to provide the generated (or extracted) user interface to the client terminal through the interface unit 805. .

According to another exemplary embodiment of the present invention, when the information registration terminal 835 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 835 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 835 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided to the call, and convert the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 805. It is desirable to provide.

According to another embodiment of the present invention, when the information registration terminal 835 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface provider 810 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 805. .

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) the loan application information to the information registration terminal 835 and transmitting the loan application information to the loan application information registration server 800 through the network means. When a predetermined information registration program is provided, the interface providing unit 810 for providing the user interface to the information registration terminal 835 may be omitted, and the present invention is not limited thereto.

The information receiving unit 815 inputs (or selects) loan application information including at least one of customer information, loan amount information, loan period information, and loan repayment information through the user interface at the information registration terminal 835. When transmitting through the network means, it is characterized in that for receiving the loan application information in conjunction with the interface unit 805, and provides the received loan application information to the validity verification unit 820.

The validity verification unit 820 is characterized in that whether the loan application information received from the information registration terminal 835 satisfies the validity for a predetermined loan application.

According to the method of the present invention, the validity of the loan application information is determined whether at least one or more ledger information matching the loan application information is registered in the ledger D / B on the financial system associated with the loan application information registration system It is preferable to include checking.

For example, the validity check of the loan application information includes an account ledger stored in the ledger D / B of the customer account information (eg, a loan account, etc.) included in the loan application information on a financial system linked to the loan application information registration system. It is desirable to include checking that the match with.

When the validity of the loan application information is confirmed, the information storage unit 825 processes the customer information, loan amount information, loan period information, and loan repayment information included in the loan application information in association with the storage medium 830. Characterized in that the storage medium 830 is provided in the loan application information registration server 800 or stored on the network associated with the loan application information registration server 800, the information storage. The unit 825 preferably processes the customer information, loan amount information, loan period information, and loan repayment information included in the received loan application information and stores the information in the storage medium 830. The storage medium 830 ) Is provided in the DBMS provided on the financial system, the information storage unit 825 is the customer information, loan amount information, loan period information, loan repayment information included in the received loan application information the financial system It is desirable to provide the information system through the external system of the store and store it in the DBMS provided on the financial system.

9 is a view showing the configuration of loan application information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face manner for a predetermined loan application in accordance with an embodiment of the present invention.

In more detail, in FIG. 9, when the storage medium 830 illustrated in FIG. 8 is a ledger D / B provided in a DBMS on a financial system, the customer information and loan amount are included in the ledger information provided in the ledger D / B. FIG. 9 illustrates an information structure for an implementation method of storing loan application information including information, loan period information, and loan repayment information, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to or modifying the information may be inferred from the various information configuration methods for storing the loan application information in the ledger D / B, the present invention includes all the implementation methods inferred, with only the implementation method shown in Figure 9 It is not limited.

Referring to Figure 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and a loan ledger associated with the customer ledger (eg, credit ledger) , Account ledger, etc.) and at least one or more pieces of information associated with the loan ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger provided in the DBMS on the financial system D / In addition to the customer ledger and the loan ledger shown in FIG. 9, B further includes at least one ledger (e.g., account ledger, secured ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the loan ledger is linked to the customer ledger relational, loan number, CIF number, collateral, loan, counseling number, approval number, approval application number, execution date, principal repayment method, interest repayment method, interest repayment cycle , After-sales management code, repayment amount (principal), repayment amount (interest), business fund number, etc., and comprises a loan number, approval number, approval history, approval application number, approver for the loan ledger It includes at least one approval history and a loan transaction corresponding to the account ledger, at least one or more loan number, transfer date, transfer amount, transfer registration number.

Here, the approval details are connected in relation to the approval application details including a loan number, approval number, approval application number, consultation number, application details, and the approval application details are loan number, approval number, approval application number, It consists of counseling history and relation type including consultation number and application amount.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the loan ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 9, the loan application information provided through the loan application information registration system shown in FIG. 8 may be stored in the form of additional information added to the loan ledger. The loan application information may include customer information and loans. Characterized in that it comprises at least one or more amount information, loan period information, loan repayment information.

The customer information is the company's unique information (e.g., company name, business registration number, corporation registration number, type of business (major owned business type), business status, representative if the customer who writes a loan application for the predetermined loan Name, address, telephone number, fax number, mobile phone number, e-mail address, date of establishment, date of affiliated company, settlement date, number of employees, size of company (small and medium sized company, etc.) Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the loan application information registration system in response to the enterprise by joining the financial transaction customer of the financial institution. ) Or at least one or more of an account number provided in the account ledger.

The loan amount information preferably comprises the amount of information that the customer wants to borrow through the loan application.

The loan period information preferably comprises loan period information according to the loan application of the customer.

The loan repayment information preferably comprises the principal and interest repayment information according to the loan of the customer.

According to another exemplary embodiment of the present invention, the loan application information is stored in the form of information included in the loan ledger (not shown), or additional information added to another ledger other than the loan ledger (eg, a customer ledger). It is possible to be stored in the form, or in the form of information contained in the other ledgers (for example, customer ledger) other than the loan ledger, whereby the present invention is not limited.

10 is a view showing the configuration of the loan application information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for a predetermined loan application according to another embodiment of the present invention.

More specifically, FIG. 10 illustrates an information structure of an exemplary embodiment in which the storage medium 830 illustrated in FIG. 8 is stored in a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As those of ordinary skill in the art to which the present invention pertains, various information configuration methods for storing the loan application information in association with the ledger D / B and storing the loan application information in a predetermined database by referring to or modifying the drawing 10. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 10, when it is not easy to store the loan application information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, If it is not easy to change or system expansion is not easy due to the characteristics of the financial system), the loan application information is stored in a predetermined database instead of the ledger D / B, and the database is linked to the ledger D / B. The implementation method of processing and storing is shown.

In addition, the database shown in FIG. 10 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 10, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 10, the database stores and stores the customer information, loan amount information, loan period information, and loan repayment information included in the loan application information in association with the loan application information. It is preferable that the loan application information further includes a CIF number corresponding to the ledger information in order to be processed in association with B.

The customer information is the company's unique information (e.g., company name, business registration number, corporation registration number, type of business (major owned business type), business status, representative if the customer who writes a loan application for the predetermined loan Name, address, telephone number, fax number, mobile phone number, e-mail address, date of establishment, date of affiliated company, settlement date, number of employees, size of company (small and medium sized company, etc.) Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the loan application information registration system in response to the enterprise by joining the financial transaction customer of the financial institution. Number or the like) or an account number provided in the account ledger.

The loan amount information preferably comprises the amount of information that the customer wants to borrow through the loan application.

The loan period information preferably comprises loan period information according to the loan application of the customer.

The loan repayment information preferably comprises the principal and interest repayment information according to the loan of the customer.

11 is a view showing the configuration of the loan application information stored in the DBMS provided in the banking server in a non-face-to-face manner for a predetermined loan application according to another embodiment of the present invention.

More specifically, FIG. 11 shows a DBMS in which the storage medium 830 shown in FIG. 8 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, if one of ordinary skill in the art to which the present invention belongs, the loan application is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 11 Although it is possible to infer a method of constructing information on information, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 11, a predetermined DBMS provided in the banking server may store and store customer information, loan amount information, loan period information, and loan repayment information included in the loan application information.

The customer information is the company's unique information (e.g., company name, business registration number, corporation registration number, type of business (major owned business type), business status, representative if the customer who writes a loan application for the predetermined loan Name, address, telephone number, fax number, mobile phone number, e-mail address, date of establishment, date of affiliated company, settlement date, number of employees, size of company (small and medium sized company, etc.) Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the loan application information registration system in response to the enterprise by joining the financial transaction customer of the financial institution. Number or the like) or an account number provided in the account ledger.

The loan amount information preferably comprises the amount of information that the customer wants to borrow through the loan application.

The loan period information preferably comprises loan period information according to the loan application of the customer.

The loan repayment information preferably comprises the principal and interest repayment information according to the loan of the customer.

12 is a diagram illustrating a process of registering loan application information in a non-face-to-face manner for a predetermined loan application according to an embodiment of the present invention.

More specifically, FIG. 12 shows a case where the loan application information registration server 800 on the loan application information registration system shown in FIG. 8 has a web server function to which a client terminal can be connected through a predetermined network means. After the client terminal accesses the loan application information registration server 800 and connects a communication channel for registering loan application information according to the present invention, the customer information to the loan application information registration server 800 through the communication channel. If the loan application information including the loan amount information, loan period information, loan repayment information is transmitted, the customer information included in the loan application information received from the loan application information registration server 800, loan amount information, loan The present invention relates to an implementation method of linking and processing period information and loan repayment information in a predetermined storage medium 830. Those skilled in the art will be able to infer various implementation methods for registering the loan application information from the client terminal to the loan application information registration server 800 by referring to or modifying the drawing 12. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 12, the client terminal shown in FIG. 8 will be referred to as "terminal" for convenience, and the loan application information registration server 800 shown in FIG. 8 will be referred to as "server" for convenience. The customer information, loan amount information, loan period information, loan repayment information transmitted to the loan application information registration server 800 is referred to as "loan application information" for convenience.

Referring to Figure 12, the client terminal shown in Figure 8 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile Connecting to a predetermined communication channel for registering the loan application information by connecting to the server through a communication network or an IEEE 802.16x based portable Internet, etc., and requesting registration of the loan application information for the predetermined loan application ( 1200, the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the loan application information (1205), and displays the generated (or extracted) web page through the communication channel. The transmission is output to the terminal (1210).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) loan application information including at least one of the customer information, loan amount information, loan period information, and loan repayment information. It is preferable to comprise.

In addition, the web page transmission or output process is preferably performed at least once according to the loan application information registration procedure, thereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) loan application information including at least one or more customer information, loan amount information, loan period information, and loan repayment information through the information registration interface (1215).

If the terminal receives (or selects) loan application information including the customer information, loan amount information, loan period information, and loan repayment information through the information registration interface (1220), the terminal receives the communication channel. The input (or selected) customer information, loan amount information, loan period information, loan repayment information is transmitted to the server (1225).

According to an exemplary embodiment of the present invention, transmitting the input (or selected) customer information, loan amount information, loan period information, and loan repayment information to the server through the communication channel is input through the information registration interface ( Alternatively, the method may further include electronically signing or encrypting the loan application information through a security module provided in the terminal and transmitting the electronic signature or encryption to the server.

Thereafter, the server checks and validates the validity of the loan application information by receiving and reading the customer information, loan amount information, loan period information, and loan repayment information through the communication channel.

According to the implementation method of the present invention, confirming the validity of the loan application information, when the loan application information is electronically signed or encrypted through the security module provided in the terminal, or decrypt the loan application information, or It may further comprise decoding the loan application information.

According to the method of the present invention, the validity of the loan application information is determined whether at least one or more ledger information matching the loan application information is registered in the ledger D / B on the financial system associated with the loan application information registration system It is preferable to include checking.

For example, the validity check of the loan application information includes an account ledger stored in the ledger D / B of the customer account information (eg, a loan account, etc.) included in the loan application information on a financial system linked to the loan application information registration system. It is desirable to include checking that the match with.

If the validity of the loan application information is not authenticated (1235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1240), and information corresponding to the loan application information. Do not perform the registration process.

On the other hand, if the validity of the loan application information is authenticated (1235), the server performs an information registration procedure corresponding to the loan application information, thereby linking the customer information, loan amount information, loan period information, loan repayment information In operation 1245, the storage medium 330 is stored in a predetermined storage medium 830.

According to one embodiment of the invention, the storage medium 830 is preferably provided in a DBMS on a financial system provided on the loan application information registration system (or associated with the loan application information registration system). At this time, the storage medium 830 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 830 is provided on (or associated with) the loan application information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1250), thereby completing the procedure of registering the loan application information transmitted from the terminal.

13A and 13B illustrate a process of registering loan application information in a non-face-to-face manner for a predetermined loan application according to another exemplary embodiment of the present invention.

In more detail, FIGS. 13A and 13B illustrate a case in which the loan application information registration system shown in FIG. 8 is realized through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server and performing a predetermined customer authentication procedure (for example, through the Internet, etc.), the client terminal transmits predetermined loan application information for a predetermined loan application to the Internet banking server. When the loan application information including the loan amount information, loan period information, and loan repayment information is transmitted, the customer information included in the loan application information received from the loan application information registration server 800, loan amount information, and loan period The present invention relates to an implementation method of linking information and loan repayment information to a predetermined storage medium 830 and to which the present invention belongs. Those skilled in the art can infer various implementation methods for registering the loan application information from the client terminal to the loan application information registration server 800 by referring to or modifying the drawings 13a and 13b. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 13A and 13B.

That is, in FIG. 13A and FIG. 13B, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal, the browser program is based on the browser program. Although an implementation method of connecting an internet banking-based financial transaction channel for registering loan application information between the client terminal and the Internet banking server is illustrated, the person having ordinary knowledge in the technical field to which the present invention belongs, Loan application information registration between the client terminal and the Internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIG. 13b.Would be able to infer the exemplary method for connecting the Internet banking based financial transaction channel, the present invention includes an Internet banking based financial transaction provided based on the Internet banking program, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a and 13b, in addition to the Internet banking system, a telebanking system or wireless Although another banking system such as a banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registration of loan application information, the present invention may provide a telebanking system or a wireless banking system or a TV. It includes all kinds of non-face-to-face channel-based financial transactions, including banking system or non-face-to-face channel banking system proposed in the future, the technical configuration of the present invention is limited to the case of the Internet banking shown in Figures 13a and 13b Never.

Hereinafter, in FIG. 13A and FIG. 13B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the loan application information registration server 800 is referred to as a "server" for convenience.

13A and 13B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1300a), the server communicates between the terminal and the server through the browser. (1305a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 1310a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is to be installed or updated in the terminal (1315a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. Mount or update (1320a).

If the terminal does not need to install or update the latest version of the security module for internet banking (1325a), or if the terminal does not need to load or update the security module for internet banking (1315a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a security channel) (1330a), where the security channel for internet banking is Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (or decryption algorithm), and the predetermined information is provided in the information (or data) to be provided to the server for registration of loan application information in the terminal. When the digital signature is attached or encrypted and transmitted using at least one encryption method (or encryption algorithm), the server verifies the digital signature or a predetermined decryption method (or decryption) corresponding to the encryption method (or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). It means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and the electronic signature is assigned to the information (or data) to be provided to the server for registration of loan application information. Attached or at least one encryption scheme (or encryption) Encryption and transmission), the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1335a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (1340a). In operation 1345a, the server (or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel refers to a communication channel for registering and transmitting predetermined loan application information for a predetermined loan application from the terminal to the server.

Subsequently, when the terminal requests internet banking-based loan application information registration to the server through the inter-banking-based financial transaction channel for registration of loan application information (1300b), the server provides a predetermined number for registering the loan application information. A web page corresponding to an information registration interface is generated (or extracted) (1305b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (1310b).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) loan application information including at least one of customer information, loan amount information, loan period information, and loan repayment information in the terminal. Preferably, or a predetermined password (e.g., account password, etc.) or security code (e.g., internet banking application process) to confirm the validity of the loan application information or the Internet banking customer requesting registration of the loan application information. A security code printed on a security card issued to a customer, or one time password (OTP) (for example, an internet banking application process (or after an internet banking application), an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution. It is preferable to further include an interface for inputting a one-time password generated through).

In addition, the web page transmission or output process is preferably performed at least once according to the loan application information registration procedure, thereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) loan application information including at least one of the customer information, loan amount information, loan period information, and loan repayment information through the information registration interface (1315b).

If the terminal receives (or selects) loan application information including the customer information, loan amount information, loan period information, and loan repayment information through the information registration interface (1320b), the terminal selects the financial transaction channel. The loan application information input (or selected) is transmitted to the server (1325b).

According to an embodiment of the present invention, transmitting the loan application information (or selected) inputted through the financial transaction channel to the server may include loan application information input (or selected) through the information registration interface. It comprises a digital signature or encryption through the security module provided in the transmission to the server.

Thereafter, the server receives and reads the loan application information through the financial transaction channel to check the validity of the loan application information (1330b).

According to the implementation method of the present invention, confirming the validity of the loan application information, when the loan application information is electronically signed or encrypted through the security module provided in the terminal, or decrypt the loan application information, or It may further comprise decoding the loan application information.

In addition, the verification of the validity of the loan application information, preferably further comprises the authentication of the password or security code or OTP included in the loan application information.

According to the method of the present invention, the validity of the loan application information is determined whether at least one or more ledger information matching the loan application information is registered in the ledger D / B on the financial system associated with the loan application information registration system It is preferable to include checking.

For example, the validity check of the loan application information includes an account ledger stored in the ledger D / B of the customer account information (eg, a loan account, etc.) included in the loan application information on a financial system linked to the loan application information registration system. It is desirable to include checking that the match with.

If the validity of the loan application information is not authenticated (1335b), the server generates a web page including predetermined loan application information registration error information and transmits it to the terminal (1340b) and corresponds to the loan application information. Do not perform the information registration procedure.

On the other hand, if the validity of the loan application information is authenticated (1335b), the server performs an information registration procedure corresponding to the loan application information, so that the customer information, loan amount information, loan period information, included in the loan application information, The loan repayment information is cooperatively stored and stored in the predetermined storage medium 830 (1345b).

According to one embodiment of the invention, the storage medium 830 is preferably provided in a DBMS on a financial system provided on the loan application information registration system (or associated with the loan application information registration system). At this time, the storage medium 830 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 830 is provided on (or associated with) the loan application information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined loan application information registration history information and transmits it to the terminal (1350b), thereby completing the registration of loan application information transmitted from the terminal.

14 is a diagram illustrating a system for automatically assigning an auditor for automatic auditor assignment for a customer loan application according to an embodiment of the present invention.

More specifically, FIG. 14 shows loan information (eg, company information, loan amount information, auditor information, etc.) for at least one or more customers from the ledger D / B on the financial system through the audit information processing system shown in FIG. Extracts and checks the predetermined examination station information and the examination history information of the examination station from the extracted loan information, and the checked examination history information for each examination station is stored in a predetermined storage medium 120 (or ledger D / B). Receiving loan application information including at least one of the customer information, loan amount information, loan period information, and loan repayment information from a predetermined customer through the loan application information registration system shown in FIG. 3 or 8; After the customer information, loan amount information, loan period information, loan repayment information included in the loan application information is stored in a predetermined storage medium 330, Based on the audit history information for each audit station stored through the audit information processing system of FIG. 1, a system for automatically assigning an auditor for approving a customer loan application through the loan application information registration system of FIG. For those of ordinary skill in the art to which the present invention pertains, a system for automatically allocating an auditor who will process the loan approval of the customer based on the audit history information for each auditor by referring to or modifying the drawing 14. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to Figure 14 in accordance with the implementation method of the present invention, the inspection station automatic allocation system is provided with a financial system equipped with a ledger corresponding to the loan application customer, the loan application customer information, loan application information, inspection station information, examination information A storage medium 1430 for storing at least one inspection station allocation information, the financial system, the examination information processing system shown in FIG. 1, and the loan application information registration system shown in FIG. 3 or FIG. Characterized in that it comprises a jury automatic assignment server 1400 for automatically allocating the jury for the loan application of the loan application customer.

According to an embodiment of the present invention, the storage medium 1430, in which the auditor assignment information is stored, stores audit history information for each audit station that is generated (or confirmed or extracted) through the audit information processing system shown in FIG. The storage medium 120 and the storage medium 330 for registering and storing loan application information applied through the loan application information registration system shown in FIG. 3 or 8 are connected in a relational manner as shown in FIG. It features.

Here, the at least one storage medium 1430 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of the skilled person, or at least one or more banking Anything that can be provided on the system is possible, whereby the present invention is not limited.

In addition, the inspection station automatic assignment server 1400 is a ledger server provided in the financial system, or is provided (or linked to) the audit information processing system shown in FIG. 19, or the above-described drawings 3 or 8 Various banking servers (e.g., internet banking server, wireless banking) provided in the loan application information registration system shown in (or linked with), or providing predetermined financial services (e.g., loan service, etc.) in connection with the financial system. Server, a telebanking server, a home banking server, a TV banking server, etc.), or a separate server provided for automatically allocating a reviewer for a loan request of the loan request customer based on the review history information for each review station. The present invention is not limited thereby.

In addition, in FIG. 14, in connection with the financial system, the examination information processing system, and the loan application information registration system, the inspection station automatic allocation server 1400 is used for the loan application of the loan application customer based on the audit history information for each examination station. Although illustrated including all the functional configuration for automatically assigning the examination station, the present invention is not limited by this, and the automatic examination station assignment server 1400 is made through a separate server (or device) for each function configuration It is clear that it can.

The financial system is a general term of a computer system including a ledger corresponding to a financial account opened in the name of the loan application customer and a ledger for storing loan information according to the loan application of the customer. Or at least one window terminal provided at a branch or a main office) and a predetermined financial network (eg, a branch network), and face-to-face finance of at least one financial transaction customer through the window terminal. Provide transaction services (eg, loan services).

The financial system may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (or a branch or a main office) of the financial institution, or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (or another financial institution branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (eg, a CD common network). In addition, the financial terminal provides a non-face-to-face financial transaction service (eg, loan service, etc.) to at least one financial transaction customer.

In addition, the financial system is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE) connected to a TCP / IP-based backbone network through the Internet banking server At least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet connection and browsing function) or a notebook computer connected to an 802.16x-based mobile Internet, etc., the wireless LAN / portable Internet connection and browsing function A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a provided laptop or mobile terminal).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network, or connected to the Internet or a DataTAC / Mobitex-based wireless data communication network, or A non-face-to-face financial transaction service (eg, loan service, etc.) is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant) or a smart phone or a telematics.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide non-face-to-face financial transaction services (eg, loan services, etc.).

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And provide non-face-to-face financial transaction services (eg, loan services, etc.) to at least one financial transaction customer through a terrestrial DMB terminal.

More specifically, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account. Accounts (not shown separately) that handle banking services such as credit or reception or trust or foreign exchange arising from one or more branches (or counters), and information systems that handle headquarters operations, branch information support and customer information management. (Not shown separately), the interconnection between the financial system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, Wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.) And an external system (not shown) that provides access to the financial system or various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). The financial system includes an interface module (not shown) corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined functions required for performing respective functions in the components in the financial system. And a database management system (DBMS) (not shown) including at least one database for storing and managing information (for example, ledger information, customer information, or management information).

In addition, the financial system is a foreign exchange module (depending on the purpose and characteristics of each financial institution equipped with the financial system (for example, commercial banks, savings banks, trust banks, etc.) and the purpose and characteristics of the financial system). O), at least one or more components such as investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains may Since the technical details of the system will be understood, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. It is characterized in that it is processed and stored.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is stored in a relational manner, or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood, detailed description thereof will be omitted for convenience.

According to the method of the present invention, the storage medium 120, through the audit information processing system shown in Figure 1, loan information (eg, corporate information, Loan amount information, examination station information, etc.), and a predetermined customer through the examination history information for each examination station generated (or confirmed) from the extracted loan information, and the loan application information registration system shown in FIG. Loan application information including at least one or more of the customer information, loan amount information, loan period information, loan repayment information provided from the information and the audit history for the approval of the loan application of the customer based on the audit history information for each auditor General term for the storage means for storing (or confirmed) the auditor assignment information generated in the process of assigning relationally, the storage medium 330 is Depending on the character intended or provided in the ledger D / B on the financial system, or or having the predetermined database associated with the ledger D / B, or can both be provided on at least one or more banking systems.

According to the implementation method of the present invention, the storage medium is a series, standard industry, credit rating model, rating, region (branch location), suffrage, business group, trader's personality code, specific company information for automatic assignment of examination station It may be configured to include more, but is not limited thereto.

The customer information is the company's unique information (e.g., company name, business registration number, corporation registration number, type of business (major owned business type), business status, representative if the customer who writes a loan application for the predetermined loan Name, address, telephone number, fax number, mobile phone number, e-mail address, date of establishment, date of affiliated company, settlement date, number of employees, size of company (small and medium sized company, etc.) Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the loan application information registration system in response to the enterprise by joining the financial transaction customer of the financial institution. Number or the like) or an account number provided in the account ledger.

The loan application information comprises at least one or more of the customer information, loan amount information, loan period information, loan repayment information, the loan amount information is the amount of information that the customer wants to borrow through the loan application Preferably, the loan period information comprises a loan period information according to the loan application of the customer, the loan repayment information is the principal and interest repayment information according to the loan of the customer It is preferable to comprise.

The auditor information preferably includes at least one or more of an auditor's name, a job title, a duty department (a branch or a branch or a main office), a company number, a phone number, an e-mail, and the like, which perform an approval review for the loan application of the customer.

Preferably, the audit information includes information on an audit period (or an audit date and time) through the assigned auditor for the loan applied by the customer.

Referring to FIG. 14, the inspection station automatic allocation server 1400 may include an information checking unit 1405 for confirming the inspection application allocation target loan application information stored in the storage medium 1430, and the confirmation from the storage medium 1430. An information retrieval unit 1410 for retrieving at least one inspection station information corresponding to the loan application information, and among the retrieved at least one inspection station information, check the inspection station information that is optimal for the loan application customer, A judging station allocation 1415 that is assigned to the jury for approval of the loan application of the loan application customer, and the assigned jury information are stored in a predetermined storage medium 1430 by being processed in connection with the customer information or the customer loan application information. An information storage unit 1425 and an information transmission unit 1420 which transmits the assigned auditor information to the loan application reception desk terminal or a loan application customer terminal. The functional components may be composed of at least two or more functional components (or means) according to the intention of the person skilled in the art, and the present invention is not limited thereto.

The information confirming unit 1405 checks the loan application information that is assigned to the examination station stored in the storage medium 1430 through the loan application information registration system shown in FIG. 3 or 8. The allocation target loan application information is provided to the information search unit 1410.

When the information retrieval unit 1410 checks the loan application target loan application information through the information confirmation unit 1405, the information retrieval unit 1410 stored in the storage medium 120 through the audit information processing system shown in FIG. The at least one examiner information corresponding to the checked examiner assignment target loan application information is searched for by referring to the audit history information, and the retrieved at least one examiner information is provided to the examiner dispatcher 1415. .

According to the implementation method of the present invention, the information retrieval unit 1410 is the customer information included in the loan application information subject to the examination station assignment, if the customer to write a loan application for the predetermined loan, the enterprise customer, Company name, business registration number, corporation registration number, type of business (major owned business), business type, representative name, address, telephone number, fax number, mobile phone number, e-mail address, establishment date, affiliated transfer date and settlement date It is possible to retrieve the auditor information corresponding to at least one or more of the information such as the number of employees, the size of the company (small and medium-sized enterprises, etc.), and the listing.

For example, the information retrieval unit 1410 may check the loan application company name (or a business registration number, a corporation registration number, etc.) and search for the examination information on the loan application company.

In addition, the information retrieval unit 1410 may check the number of employees, and may search for the inspection station information that has performed the examination for the companies having the same conditions (eg, the number of employees or the size of the company (small and medium-sized enterprises)).

In addition, the information retrieval unit 1410 checks the size of the enterprise (SMEs, etc.), and retrieves the inspector information that performed the examination for the companies having the same conditions (for example, the number of employees or the size of enterprises (SMEs, etc.)). Can be.

In addition, the information retrieval unit 1410 may check the number of employees and whether the company is listed or not, and may search for the auditor information that has performed the audit for a company having the same condition (for example, the number of employees or whether the company is listed).

In addition, the information retrieval unit 1410 checks the size of the enterprise (small and medium enterprises, etc.) and listing, and the jury information that performed the examination for companies having the same conditions (for example, the size of the enterprise (small and medium enterprises) and listing) You can search for.

According to the implementation method of the present invention, the information retrieval unit 140 refers to the predetermined examination station allocation criteria stored in the storage medium, and corresponding loan customer series, standard industry, credit rating model, rating, region (the location of the branch) ), Search authority information based on suffrage, business group, trader's personality code, and specific company.

When the at least one examiner information corresponding to the checked loan application information is retrieved through the information retrieval unit 1410, the examiner dispatcher 1415 is optimal for the loan application customer. Check the judging information of the information, characterized in that the assigned to the jury for approval of the loan application of the loan application customer, the jury information assigned to the jury for approval of the loan application of the loan application customer information The storage unit 1425 and the information transmitter 1420 are provided.

According to the implementation method of the present invention, when the examination station allocation 1415 has two or more examination stations searched as the inspection station for the customer loan application approval, it is determined that the ranking of the inspection station suitable for the customer loan application approval of the two or more examination stations. It is done.

For example, A review station, B review station, and C review station are determined as the review station for the loan application approval, and the A review station is the review station that examined the loan application company, and the B review station has the same conditions as the loan application company (for example, Assume the auditor who audited the company of the number of employees or company size (SMEs, etc.), and the auditor C is the auditor who audited the company under the same conditions (e.g., business type or company size (SME, etc.)) In this case, the judging station allocation 1415 may determine a judging position suitable for the customer loan application approval as an A judging station, a C judging station, a B judging station, and the likelihood of the judging station being determined by a person skilled in the art in the process of implementing the present invention. This may change depending on the decision of the auditor.

According to the implementation method of the present invention, the inspection station assignment unit 1415 confirms the current duties of the inspection station determined as the highest priority, and the inspection station is in charge of the examination of another company, is on vacation, or is dispatched. It is characterized in that it further confirms that, and if the screening station is not responsible for the screening of the loan applicant company, the next ranking reviewer is automatically assigned to the responsible reviewer of the loan applicant company.

The information storage unit 1425 may be assigned to the loan application company information (or loan application information) and the assigned inspection service information when the examiner for approval of the loan application of the loan application company is assigned through the inspection station allocation unit 1415. It is characterized in that for storing in a predetermined storage medium 1430 by the associated process.

The information transmission unit 1420 is assigned to the examiner for approval of the loan application of the loan application company through the inspection station allocation government 1415, the loan application information providing point (or branch window) Terminal) or the loan application to a customer terminal.

According to an embodiment of the present invention, when the customer terminal is an employee terminal connected to a predetermined communication network (for example, a financial network), the information transmission unit 1420 is based on the protocol stack defined in the communication network. And a predetermined communication channel, and may transmit the employee terminal and the audited auditorium assignment information using a communication protocol defined in the financial transaction program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wired terminal connected to a predetermined wired communication network, the information transmitter 1420 may be connected to the customer terminal based on a protocol stack defined in the wired communication network. It is possible to connect a predetermined communication channel, and transmit the information of the responsible examination station by using a communication protocol defined in a financial transaction program provided in the customer terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the information transmitter 1420 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, a predetermined webpage (eg, a Hyper-Text Markup Language (HTML) compatible webpage) including the charge examination assignment information may be transmitted using the HTTP protocol defined in the browser program.

According to another embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the information transmitter 1420 is based on the protocol stack defined in the wireless communication network. And a predetermined communication channel, and transmits the information of the audited examiner's assignment history using a communication protocol defined in a financial transaction program provided in the customer terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit connects a communication channel with the customer terminal based on the CDMA / WCDMA protocol. By using the WAP / ME protocol defined in the browser program, a predetermined web page (eg, a WML (Wireless Markup Language) compliant web page or an HTML compliant web page) including the audited auditor assignment information may be transmitted.

FIG. 15 is a diagram illustrating a configuration of a loan ledger stored in a ledger D / B provided in a DBMS on a financial system for storing automatically assigned auditor information according to an embodiment of the present invention.

More specifically, in FIG. 15, when the storage medium 1430 illustrated in FIG. 14 is a ledger D / B provided in a DBMS on a financial system, the customer information and loans are included in the ledger information provided in the ledger D / B. FIG. 15 illustrates an information structure for an implementation method in which judging assignment information including application information, judging information, and judging information is stored. If a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. 15 or It may be modified to infer various information configuration methods for storing the auditor assignment information in the ledger D / B, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in Figure 15 No.

Referring to Figure 15 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and a loan ledger associated with the customer ledger (eg, credit ledger) , Account ledger, etc.) and at least one or more pieces of information associated with the loan ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger provided in the DBMS on the financial system D / B further includes at least one ledger (e.g., account ledger, secured ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and loan ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is omitted for convenience. .

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the loan ledger is linked to the customer ledger relational, loan number, CIF number, collateral, loan, counseling number, approval number, approval application number, execution date, principal repayment method, interest repayment method, interest repayment cycle , After-sales management code, repayment amount (principal), repayment amount (interest), business fund number, etc., including at least one loan number, approval number, approval history, approval application number, It includes an approval history including at least one approver, and a loan transaction history including at least one loan number, transfer date, transfer amount, and transfer registration number corresponding to the account ledger.

Here, the approval details are connected in relation to the approval application details including loan number, approval number, approval application number, consultation number, application details, and the approval application details are loan number, approval number, approval application number, consultation It consists of counseling history including number and application amount and relation type.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the loan ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 15, the jury assignment information provided through the automatic jury assignment system shown in FIG. 14 is stored in the form of additional information added to the loan ledger. The jury assignment information is customer information and loan application. Characterized in that it comprises at least one or more information, inspection station information, audit information.

The customer information is the company's unique information (e.g., company name, business registration number, corporation registration number, type of business (major owned business type), business status, representative if the customer who writes a loan application for the predetermined loan Name, address, telephone number, fax number, mobile phone number, e-mail address, date of establishment, date of affiliated company, settlement date, number of employees, size of company (small and medium sized company, etc.) Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the loan application information registration system in response to the enterprise by joining the financial transaction customer of the financial institution. Number or the like) or an account number provided in the account ledger.

The loan application information comprises at least one or more of the customer information, loan amount information, loan period information, loan repayment information, the loan amount information is the amount of information that the customer wants to borrow through the loan application Preferably, the loan period information comprises a loan period information according to the loan application of the customer, the loan repayment information is the principal and interest repayment information according to the loan of the customer It is preferable to comprise.

The auditor information includes the auditor's name, job title, office division (branch office or branch office or branch office), company number, and telephone number automatically assigned to the client to approve the loan application through the automated auditor system of the system shown in FIG. At least one, e-mail or the like is preferably included.

Preferably, the audit information includes information on an audit period (or an audit date and time) through the assigned auditor for the loan applied by the customer.

According to another exemplary embodiment of the present invention, the examiner assignment information is stored in the form of information included in the loan ledger (not shown), or additional information added to another ledger (eg, a customer ledger) other than the loan ledger. It is possible to be stored in the form, or in the form of information contained in the other ledgers (for example, customer ledger) other than the loan ledger, whereby the present invention is not limited.

FIG. 16 is a diagram illustrating the configuration of auditor assignment information stored in a database associated with the ledger D / B provided in a DBMS on a financial system for storing automatically assigned auditor information according to another embodiment of the present invention.

More specifically, FIG. 16 illustrates an information structure of an exemplary embodiment in which the storage medium 1430 illustrated in FIG. 14 is stored in a predetermined database linked to the ledger D / B provided in a DBMS on a financial system. As one of ordinary skill in the art to which the present invention pertains, various information configurations for storing the examiner assignment information in association with the ledger D / B in a predetermined database by referring to or modifying the drawing 16 are stored. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 16, when it is not easy to store the auditor assignment information in the ledger information of the ledger D / B on the DBMS provided in the financial system (for example, the policy of the financial institution indicates the ledger D / B of the DBMS). If it is not easy to change or the system is not easy to expand due to the characteristics of the financial system), the auditor assignment information is stored in a predetermined database instead of the ledger D / B, and the database is linked to the ledger D / B. The implementation method of processing and storing is shown.

In addition, the database shown in FIG. 16 need not be provided on a DBMS provided on the financial system as in the embodiment shown in FIG. 14, and the database on the Internet banking system, or telebanking according to the intention of the skilled person. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 16, the database stores and stores the customer information, loan application information, auditor information, and audit information included in the auditor assignment information, and the auditor assignment information is stored in the ledger D / B. It is preferable that the CIF number corresponding to the ledger information is further included in the examination station assignment information to be cooperatively processed.

The customer information is the company's unique information (e.g., company name, business registration number, corporation registration number, type of business (major owned business type), business status, representative if the customer who writes a loan application for the predetermined loan Name, address, telephone number, fax number, mobile phone number, e-mail address, date of establishment, date of affiliated company, settlement date, number of employees, size of company (small and medium sized company, etc.) Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the loan application information registration system in response to the enterprise by joining the financial transaction customer of the financial institution. Number or the like) or an account number provided in the account ledger.

The loan application information comprises at least one or more of the customer information, loan amount information, loan period information, loan repayment information, the loan amount information is the amount of information that the customer wants to borrow through the loan application Preferably, the loan period information comprises a loan period information according to the loan application of the customer, the loan repayment information is the principal and interest repayment information according to the loan of the customer It is preferable to comprise.

The examiner information includes the examiner's name, job title, department (branch or branch or head office), office number, telephone number, which is automatically assigned to perform the approval examination for the customer's loan application through the automatic inspection system assignment system shown in FIG. It is preferable to include at least one of electronic mail and the like.

Preferably, the audit information includes information on an audit period (or an audit date and time) through the assigned auditor for the loan applied by the customer.

FIG. 17 is a diagram illustrating a configuration of auditor assignment information stored in a DBMS provided in a banking server in order to store automatically assigned auditor information according to another exemplary embodiment of the present invention.

In more detail, FIG. 17 illustrates a DBMS in which a storage medium 1430 shown in FIG. 14 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As an embodiment provided in the present invention, those of ordinary skill in the art to which the present invention pertains, the inspection station allocation stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 17. It will be possible to infer an information construction method for information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 17, a predetermined DBMS provided in the banking server may store and store customer information, loan application information, examination station information, and examination information included in the examination station assignment information.

The customer information is the company's unique information (e.g., company name, business registration number, corporation registration number, type of business (major owned business type), business status, representative if the customer who writes a loan application for the predetermined loan Name, address, telephone number, fax number, mobile phone number, e-mail address, date of establishment, date of affiliated company, settlement date, number of employees, size of company (small and medium sized company, etc.) Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the loan application information registration system in response to the enterprise by joining the financial transaction customer of the financial institution. Number or the like) or an account number provided in the account ledger.

The loan application information comprises at least one or more of the customer information, loan amount information, loan period information, loan repayment information, the loan amount information is the amount of information that the customer wants to borrow through the loan application Preferably, the loan period information comprises a loan period information according to the loan application of the customer, the loan repayment information is the principal and interest repayment information according to the loan of the customer It is preferable to comprise.

The examiner information includes the examiner's name, job title, department (branch or branch or head office), office number, telephone number, which is automatically assigned to perform the approval examination for the customer's loan application through the automatic inspection system assignment system shown in FIG. It is preferable to include at least one of electronic mail and the like.

Preferably, the audit information includes information on an audit period (or an audit date and time) through the assigned auditor for the loan applied by the customer.

18 is a diagram illustrating a system for automatically assigning an auditor for automatic auditor assignment for a customer loan application according to an embodiment of the present invention.

In more detail, FIG. 18 illustrates loan information (eg, company information, loan amount information, etc.) for at least one customer (company or individual) from the ledger D / B on the financial system through the audit information processing system shown in FIG. Auditor information, etc.), and the predetermined auditor information and the auditorist history information of the auditor are checked from the extracted loan information, and the checked auditor information for each auditor is determined by the predetermined storage medium 120 (or ledger D / B) loan application information stored in B, and including at least one of the customer information, loan amount information, loan period information, and loan repayment information from a predetermined customer through the loan application information registration system shown in FIG. 3 or 8; Received, the customer information, loan amount information, loan period information, loan repayment information included in the loan application information to process the link to the predetermined storage medium 330 Afterwards, based on the audit history information for each audited station through the audit information processing system of FIG. 1, the auditor for approving the customer loan application through the loan application information registration system of FIG. As for the process of assigning, those of ordinary skill in the technical field to which the present invention belongs, will automatically refer to the examiner to process the loan approval of the customer based on the audit history information for each examiner by referring to or modifying the drawing 18. Various implementation methods for the assignment process may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in this drawing 18, the inspection station automatic allocation server 1400 shown in FIG. 14 is referred to as a "server" for convenience, and the storage medium 1430 (or ledger D / B) through the inspection station automatic allocation server 1400. Customer information, loan application information, examination station information, and examination information stored in) are referred to as "inspection station assignment information" for convenience.

Referring to FIG. 18, the illustrated automatic station assignment process may be performed by the server to check the loan application target loan application information stored in the storage medium 1430 through the loan application information registration system illustrated in FIG. 3 or 8. It may be initiated from the process (1800).

When the loan application information for the examination station assignment target is confirmed, the server refers to the examination history information for each examination station stored in the storage medium 120 through the examination information processing system shown in FIG. At least one examiner information corresponding to the target loan application information is retrieved (1805).

According to the implementation method of the present invention, the server is included in the unique information of the company, if the customer who writes the loan application for the predetermined loan among the customer information included in the loan application target object of the examination station assignment Company name, business registration number, corporation registration number, type of business (mainly owned business), type of business, representative name, address, telephone number, fax number, mobile phone number, e-mail address, establishment date, affiliated transfer date, settlement date, number of employees, companies Examiner information corresponding to at least one or more pieces of information, such as size (small and medium sized companies), listing, etc. may be retrieved.

For example, the server may check the name of the loan application company (or business registration number, corporation registration number, etc.) to retrieve the information on the auditor who audited the loan application company.

In addition, the server may check the number of employees, and may retrieve the information of the auditor who performed the audit for a company having the same condition (for example, the number of employees or the size of a company (small and medium-sized enterprises)).

In addition, the server may check the size of the enterprise (small and medium-sized enterprises, etc.), and search for the inspection station information that has performed the examination for the enterprises having the same conditions (for example, the number of employees or the size of the enterprise (small and medium-sized enterprises, etc.)).

In addition, the server may check the number of employees and whether the company is listed, and may search for the auditor information that performed the audit for the company having the same condition (for example, the number of employees or whether the company is listed).

In addition, the server may check the company size (SMEs, etc.) and the listing whether the screening information for the examination that performed the audit for the company having the same conditions (eg, company size (SMEs, etc.) and listing). .

Then, when at least one or more examination station information corresponding to the loan application information is searched (1810), the server checks whether the searched examination station is two or more (1815), and if the searched examination station is not two or more (for example, In the case of one person) (1820), the searcher is assigned a reviewer for the loan application approval (1825).

On the other hand, if the searched examiner information is 2 or more (1820), the server sets the review priority for the searched 2 or more inspectors (1830), and assigns a reviewer to examine the loan application approval according to the priority. (1835).

For example, the server A is a review station for the loan application approval, A review station, a B review station, a C review station is determined, the A review station is a review station that examined the loan application company, the B review station is the same condition as the loan application company (E.g., the number of employees or companies of the company size (small and medium sized enterprises, etc.)), the auditor who audited the company under the same conditions (e.g., industry or company size (small and medium sized enterprises, etc.)) and the loan application company Assuming that it is an auditor, the auditor dispatcher 1415 may determine an auditor ranking suitable for the customer loan application approval as A auditor, C auditor, B auditor, and the like. In the process, it may change according to a predetermined audit decision policy.

According to the implementation method of the present invention, the server checks the current duties of the jury determined as the highest priority, and further checks whether the jury is in charge of judging another company, is on vacation, or is dispatched. Characterized in that, if the screening station is not responsible for the screening of the loan application company for the above reason, it is characterized by automatically assigning the next screening officer to the charge of the screening company.

Subsequently, when the examiner for the loan application approval of the loan application company is assigned, the server processes the loan applicant company information (or the loan application information) and the assigned reviewer information to a predetermined storage medium 1430. Store (1840), and transmits the assigned examiner information to the loan application information providing point (or branch window terminal) or the loan application customer terminal (1845).

According to an embodiment of the present invention, when the customer terminal is an employee terminal connected to a predetermined communication network (eg, a financial network), the server is connected to the employee terminal and a predetermined communication channel based on a protocol stack defined in the communication network. Connect and transmit the employee terminal and the audited examiner assignment information using the communication protocol defined in the financial transaction program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wired terminal connected to a predetermined wired communication network, the server establishes a predetermined communication channel with the customer terminal based on a protocol stack defined in the wired communication network. And the responsible audited station information may be transmitted using a communication protocol defined in a financial transaction program provided in the customer terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the server connects a communication channel with the client terminal based on the TCP / IP protocol, and connects to the browser program. By using the defined HTTP protocol, a predetermined web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) including the charge review assignment information may be transmitted.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the server may communicate with the customer terminal based on a protocol stack defined in the wireless communication network. Connect and transmit the audited auditor assignment information using the communication protocol defined in the financial transaction program provided in the customer terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit connects a communication channel with the customer terminal based on the CDMA / WCDMA protocol. By using the WAP / ME protocol defined in the browser program, a predetermined web page (eg, a WML (Wireless Markup Language) compliant web page or an HTML compliant web page) including the audited auditor assignment information may be transmitted.

According to the present invention, by automatically assigning the auditor for the credit approval application through the credit approval application company information and the audit history of the auditor, etc., it is possible to reduce the complexity and time loss due to the auditor assignment, It has the advantage of increasing efficiency.

Claims (5)

Identifying at least one or more auditor information and audit history information of each auditor from the ledger D / B, and storing auditor information for each auditor in a storage medium; Receiving loan application information including at least one of customer information, loan amount information, loan period information, and loan repayment information of the loan application enterprise customer in the information receiving means; Retrieving one or more examination station information including examination history information matching with the loan application company corresponding to the received loan application information, in association with the storage medium in an information retrieval unit; Identifying, from the at least one or more examination station information retrieved by the examination station allocation means, the examination station information optimal for the loan application corporate customer, and assigning the identified examination station to the examination station for loan application approval of the loan application corporate customer; Storing the allocated examination station information in information storage means in association with the customer information or loan application information of the loan application company customer and storing the information in the storage medium; And And transmitting the assigned examination station information to the loan application reception window terminal or the loan application customer terminal in an information transmission means. In connection with the storage medium, retrieving one or more examination station information including audit history information matching the loan application company corresponding to the received loan application information, Check the name of the loan application company (or business registration number, corporation registration number, etc.) included in the loan application information, and search for the examiner information that examined the loan application company; or Check the number of employees included in the loan application information, and search for the information of the examiner who performed the examination for the companies having the same conditions (for example, the number of employees or the size of the company (small and medium-sized enterprises), or Check the company size (small business, etc.) included in the loan application information, and search for the inspector information that performed the examination for a company having the same conditions (for example, the number of employees or the size of the business (small business, etc.)), or Check the number of employees and whether the company is included in the loan application information, and search for the information on the auditor who performed the audit for the company having the same conditions (eg, the number of employees or the company whether or not to be listed), or By checking the company size (SMEs, etc.) and listing whether included in the loan application information, and searching the information on the auditor who performed the examination for a company having the same conditions (e.g., company size (SMEs, etc.) and listing) Examiner automatic assignment method comprising at least one. delete delete delete delete

Images