KR100902006B1 - System and Method for Dealing Non Performing Loan and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method for resolving bad debts, and a program recording medium therefor, wherein the method for resolving bad debts according to the present invention is intended to invest in a predetermined foreign NPL provided from a predetermined terminal in a predetermined investment information registration means. Registering the NPL investment information including investment customer information corresponding to one or more investment customers and debenture acquisition information on a predetermined storage medium, and in response to the foreign NPL investment inducing company customer in a predetermined account opening means; Opening a financial account for depositing a predetermined investment amount (or bond acquisition price) obtained from the investment customer; and an investment amount (or deposited in the financial account provided from the corporate customer terminal in a predetermined loan information registration means); Registering predetermined deposit security loan information secured by debentures in a predetermined storage medium; In the predetermined transfer information registration means, the corporate customer provides the predetermined loan to the collateral loan from the corporate customer terminal to transfer the predetermined NPL transfer information for the predetermined NPL received from the given NPL transfer customer. Registering in a storage medium, and receiving predetermined debt collection contract information about debt collection for the transferred NPL from a predetermined terminal by a predetermined terminal in a predetermined contract information registration means and storing the predetermined debt collection contract information in a predetermined storage medium; And collect investment history information, transfer history information, loan history information, collection history information, and the like, which are identified from the respective means in a predetermined investment management means, store them in a predetermined storage medium, and store the identified information in the investment customer communication means. Transmitting, periodically notifying the progress of NPL investment.

NPL, Invest

Description

Non-performing loan trading method and system and system for recording {{{System and Method for Dealing Non Performing Loan and Program Recording Medium}}

1 is a diagram showing an investment information registration system for overseas non-performing Loan (NPL) investment information registration according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a process of registering non-performing Loan (NPL) investment information for an overseas Non-Performing Loan (NPL) investment according to an embodiment of the present invention.

3 is a diagram illustrating a system for opening a face-to-face financial account for depositing bonds according to an embodiment of the present invention.

4 is a diagram illustrating a process of opening a financial account for depositing bonds in a face-to-face manner according to one embodiment of the present invention.

5 is a diagram illustrating a deposit security loan information registration system for deposit security loans according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a process of registering deposit security loan application information according to an embodiment of the present invention. FIG.

FIG. 7 is a diagram illustrating a face-to-face non-performing Loan (NPL) transfer information registration system for registering a non-performing Loan (NPL) transfer information according to an embodiment of the present invention.

8 is a diagram illustrating a process of registering a non-performing Loan (NPL) transfer registration information according to an embodiment of the present invention.

FIG. 9 is a diagram illustrating a face-to-face debt collection contract information registration system for registering debt collection contract information according to an embodiment of the present invention.

10 is a diagram illustrating a process of registering bond collection contract information in accordance with an embodiment of the present invention.

FIG. 11 illustrates an investment management system for non-performing loan (NPL) investment management according to an embodiment of the present invention.

12 is a diagram illustrating a non-performing Loan (NPL) investment management process according to an embodiment of the present invention.

<Description of main parts of drawing>

1100: investment management server 1105: investment information verification unit

1110: transfer information confirmation unit 1115: loan information confirmation unit

1120: collection information check unit 1125: information management unit

1130: storage medium

According to the present invention, predetermined investment information including NPL investment information including at least one investment customer information corresponding to at least one investment customer who intends to invest in a predetermined overseas NPL provided from a predetermined terminal in a predetermined investment information registration means and debenture acquisition information Registering with a storage medium, and opening a financial account to deposit a predetermined investment amount (or bond acquisition price) obtained from the investment customer in response to the foreign NPL investment inducing company customer in a predetermined account opening means; Registering, in a predetermined storage medium, predetermined deposit security loan information that secures an investment amount (or a bond acquisition price) deposited in the financial account provided from the corporate customer terminal in a predetermined loan information registration means; In the transfer information registration means of the corporate customer from the corporate customer terminal a predetermined loan for the mortgage loan Registering the NPL transfer information for a given NPL transferred to a predetermined NPL transferred to a predetermined storage medium by plating, and the NPL received by the corporate customer from a predetermined terminal in a predetermined contract information registration means. Receiving predetermined debt collection contract information about the collection of debts and storing in a predetermined storage medium and investment history information, transfer history information, loan history information, collection history information confirmed by each means in the predetermined investment management means And collecting, storing the information in a predetermined storage medium, transmitting the confirmed information to the investment client communication means, and periodically notifying the progress of NPL investment.

As China's NPL market is soaring, it is time for various ways to participate in the Chinese NPL market. China's NPL is divided into Internationa Deal and Local Deal. Local Deal trades a lot of good NPL, but there is a disadvantage in that it cannot participate in foreign companies.

An object of the present invention for solving the above problems, NPL investment information including at least one investment customer information corresponding to at least one investment customer to invest in a given foreign NPL provided from a predetermined terminal, the participant debenture acquisition information Investment information registration means for registering in a predetermined storage medium;

An account opening means for opening a financial account to deposit a predetermined investment amount (or bond acquisition price) obtained from the investment customer in response to the foreign NPL investment inducing enterprise customer;

Loan information registration means for registering predetermined deposit security loan information, which is secured in an investment amount (or bond acquisition price) deposited in the financial account provided from the corporate customer terminal, in a predetermined storage medium;

Transfer information registration for registering the NPL transfer information for a predetermined NPL received from a predetermined NPL transfer customer by providing a predetermined loan for the mortgage loan by the corporate customer from the corporate customer terminal. Way;

Contract information registration means for receiving, by a predetermined terminal, predetermined corporate debt collection contract information about debt collection for the transferred NPL from a predetermined terminal, and storing the predetermined debt collection contract information in a predetermined storage medium; And

NPL investment progress information, transfer history information, loan history information, collection history information, etc. confirmed from the respective means are collected and stored in a predetermined storage medium, and the checked information is transmitted to the investment client communication means, and the NPL investment progress status is collected. An investment management means for periodically notifying the bad debt trading system comprising a.

The bad debt trading method according to the present invention includes investment customer information corresponding to at least one or more investment customers who want to invest in a predetermined overseas NPL provided from a predetermined terminal in a predetermined investment information registration means, and interest acquisition part bond acquisition information. Registering the NPL investment information in a predetermined storage medium, and depositing a predetermined investment amount (or bond acquisition amount) obtained from the investment customer in response to the foreign NPL investment-inducing company customer in a predetermined account opening means; Opening a financial account, and storing a predetermined deposit secured loan information in which predetermined loan security information is secured in the financial account provided from the corporate customer terminal in a predetermined loan information registration means. Registering with the corporate customer from the corporate customer terminal in a predetermined transfer information registration means; Registering a NPL transfer information for a predetermined NPL received from a given NPL transfer customer in a predetermined storage medium by providing a predetermined loan amount for the transfer; The corporate customer receives predetermined debt collection contract information about debt collection for the transferred NPL and stores it in a predetermined storage medium, and investment history information and transfer history information obtained from the respective means in a predetermined investment management means. And collecting loan history information, collection history information, and the like, storing them in a predetermined storage medium, and transmitting the confirmed information to the investment customer communication means to periodically notify the progress of NPL investment. It is done.

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 bad debt trading method.

Meanwhile, the bad debt trading system according to the present invention includes NPL investment information including investment customer information corresponding to at least one or more investment customers who want to invest in a predetermined foreign NPL provided from a predetermined terminal, and information on the acquisition of debenture bonds. An investment information registration means for registering on a predetermined storage medium and an account opening means for opening a financial account for depositing a predetermined investment amount (or a bond acquisition price) obtained from the investment customer in response to the overseas NPL investment-inducing enterprise customer And loan information registration means for registering predetermined deposit security loan information, which is secured in an investment amount (or bond acquisition price) deposited in the financial account provided from the corporate customer terminal, in a predetermined storage medium, and the corporate customer terminal. From the corporate customer to provide a predetermined loan for the mortgage loan as a transfer to a predetermined NPL transfer customer Transfer information registration means for registering NPL transfer information for a predetermined NPL received from a predetermined storage medium, and predetermined debt collection contract information for receivable collection for the NPL received by the corporate customer from a predetermined terminal. Contract information registration means received and stored in a predetermined storage medium, investment history information, transfer history information, loan history information, collection history information, etc. confirmed from the respective means are collected, stored in a predetermined storage medium, and the investment It is characterized in that it comprises the investment management means for transmitting the information confirmed by the customer communication means to periodically notify the progress of the NPL investment.

According to the present invention, the account opening means and the predetermined loan information registration means are provided at an overseas branch of a predetermined financial institution.

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 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 system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on 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, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more servers (or terminals) different according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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 investment information registration system for overseas non-performing loan (NPL) investment information registration according to an embodiment of the present invention.

In more detail, in FIG. 1, at least one investment customer who wants to invest in a given overseas non-performing loan (NPL) may register the foreign non-performing loan (NPL) investment information through an investment information registration system through a predetermined information registration interface. The non-performing Loan (NPL) investment information including at least one of investment customer information and profit participation debenture acquisition information is provided, the investment information registration system includes the non-performing Loan investment information included in the provided non-performing Loan investment information. As a system configuration for linking and processing customer information and interest acquisition part bond acquisition information to a predetermined storage medium 125, those skilled in the art to which the present invention pertains, refer to FIG. In this way, we can infer various implementation methods for the formation of investment information registration system for overseas NPL investment information registration. It would be, to the said method includes all embodiments in which the inference, shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, at least one means or function for storing NPL (Non Performing Loan) investment information provided from the customer through the predetermined information registration interface on the investment information registration system shown in FIG. 1 on the storage medium 125. The component corresponding to the configuration is referred to as "investment information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an investment information registration system for registering overseas performing Loan (NPL) investment information includes at least one wired terminal or a wireless terminal used by at least one investment customer. And an information registration terminal including at least one client terminal or the like, wherein the information registration terminal comprises an investment information registration server 100 provided on the investment information registration system through a predetermined network means. The communication channel is connected.

According to an embodiment of the present invention, the customer accesses the investment information registration server 100 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 non-performing non-performing loan (NPL) investment information for the non-performing non-performing loan (NPL) investment information is input through at least one user interface provided by the investment information registration server 100, the client terminal It is preferable to transmit to the investment information registration server 100 provided on the investment information registration system through a predetermined network means.

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 network means for connecting the client terminal and the investment information registration server 100 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 Any one of the wireless data communication networks, or preferably includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the investment information registration server 100, and inputs or selects at least one or more information through the user interface and transmits the information to the investment information registration server 100. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the investment information registration server 100, etc.) 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 investment information registration system as described above, a client terminal including at least one or more wired terminals or wireless terminals used by the customer, and at least one wired communication network connecting the client terminal and the investment information registration server 100 or The wireless communication network performs a function of an information registration interface for the customer to register non-performing Loan (NPL) investment information for the non-NPL (Non Performing Loan) investment information registration.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or may further include a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, and the present invention is not limited thereto.

In the investment information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the investment information registration The wired telephone network or the wireless telephone network connecting the server 100 performs a function of an information registration interface for the customer to register non-performing Loan (NPL) investment information for the overseas Non-Performing Loan (NPL) investment, or the In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution, which is an information registration terminal, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the investment The network connecting the information registration server 100 is a function of an information registration interface for the customer to register non-performing Loan (NPL) investment information for the overseas non-performing Loan (NPL) investment Performed.

The storage medium 125 provided on the investment information registration system according to the present invention stores the investment customer information and the profit participation debenture acquisition information included in the NPL (Non Performing Loan) investment information provided from the information registration terminal. NPL (Non Performing Loan) investment comprising at least one of the investment customer information, the profit participation portion debenture acquisition information stored in the storage medium 125 and stored in a predetermined storage medium 125 by the cooperative process The information is used for registration of overseas non-performing loan (NPL) investment information.

The investment customer information may include personal information of the investment customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer, and member information of the customer (for example, the foreign NPL ( Non Performing Loan) information generated by signing up as a member of an investment institution (or a company), and investment customer account information opened under the name of the investment customer.

The profit participation debenture acquisition information provides the overseas non-performing loan (NPL) investment service, and the private equity issued by the foreign non-performing loan (NPL) investment service provider may participate in the dividend of profit of the enterprise. It includes information on dividends, issuances of private equity, etc.

According to an embodiment of the present invention, the storage medium 125 is preferably provided in a DBMS on a financial system provided on the investment information registration system (or associated with the investment information registration system). The storage medium 125 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

The investment information registration server 100 provided on the investment information registration system according to the present invention is a generic term for the investment information registration system-side components connected to the information registration terminal through a predetermined network means, and includes at least one server. (Or a 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 the embodiment of the present invention, the investment information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 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 investment information registration server 100, the interface unit 105 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 embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a 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 105 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.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip based banking program) provided by the investment information registration server 100, the interface unit 105 is 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 embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another embodiment of the present invention, if the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 105 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 105 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. do.

Referring to FIG. 1, the investment information registration server 100 connects a communication channel with the investment information registration server 100 through a predetermined information registration terminal through the interface unit 105, and then the interface unit 105. Interface providing unit which generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined NPL (Non Performing Loan) investment information from the information registration terminal to the information registration terminal. 110 and an information receiving unit 115 for receiving predetermined Non-Performing Loan (NPL) investment information that is input (or selected) and transmitted from the information registration terminal through the user interface in cooperation with the interface unit 105. And storing information in a predetermined storage medium 125 by linking and processing the investment customer information and the profit participation debenture acquisition information included in the received non-performing Loan (NPL) investment information. It is characterized by comprising the ledger 120.

The interface provider 110 connects a communication channel with the investment information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to a functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) the non-performing Loan (NPL) investment information and transmit it to the investment information registration server 100 through the network means, or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 105 to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) Non Performing Loan (NPL) investment information including at least one of the investment customer information and the profit participation debenture acquisition information based on the user interface, and the input (or The non-performing Loan (NPL) investment information is transmitted to the investment information registration server 100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 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 110 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface provider 110 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the, and provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 105.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser program or communication provided in the client terminal It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 110 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 105. desirable.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) the non-performing Loan (NPL) investment information to the information registration terminal and transmitting the investment information registration server 100 to the investment information registration server 100 through the network means. When a predetermined information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiver 115 inputs (or selects) NPL (Non Performing Loan) investment information including at least one of investment customer information and profit participation bond acquisition information through the user interface at the information registration terminal. The non-performing Loan (NPL) investment information is received in connection with the interface unit 105, and the received non-performing Loan (NPL) investment information is received in the information storage unit 120. To provide.

The information storage unit 120 stores and stores the investment customer information included in the non-performing loan (NPL) investment information and the profit participation part debenture acquisition information in the storage medium 125. When the medium 125 is provided in the investment information registration server 100 or on a network associated with the investment information registration server 100, the information storage unit 120 may receive the received non-performing NPL. Loan) It is preferable to store the investment customer information and the profit participation debenture acquisition information included in the investment information in the storage medium 125.

2 is a diagram illustrating a process of registering non-performing Loan (NPL) investment information for overseas Non-Performing Loan (NPL) investment according to an embodiment of the present invention.

In more detail, in FIG. 2, when the investment information registration server 100 on the investment information registration system shown in FIG. 1 has a web server function to which a client terminal can be connected through a predetermined network means, the client terminal After connecting to the investment information registration server 100 and connecting a communication channel for registration of non-performing Loan (NPL) investment information according to the present invention, the investment to the investment information registration server 100 through the communication channel When the non-performing Loan (NPL) investment information including customer information and profit taking bond acquisition information is transmitted, the investment customer included in the non-Performing Loan (NPL) investment information received from the investment information registration server 100 This is an embodiment of the method for storing the information and interest acquisition part bond acquisition information in a predetermined storage medium 125, which is commonly used in the technical field to which the present invention pertains. If a person having an equation can refer to or modify this figure 2, various implementation methods for registering the non-performing Loan (NPL) investment information from the client terminal to the investment information registration server 100 may be inferred. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the client terminal illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the investment information registration server 100 illustrated in FIG. 1 is referred to as a “server” for convenience and the investment is performed in the client terminal. The investment customer information transmitted to the information registration server 100, and the information on the acquisition of bonds of the participant of the profit is referred to as "NPL (Non Performing Loan) investment information" for convenience.

Referring to Figure 2, the client terminal shown in Figure 1 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 Access a server through a communication network or an IEEE 802.16x based portable Internet, etc., connect a predetermined communication channel for registering the non-performing Loan (NPL) investment information, and register the Non-Performing Loan (NPL) investment information. When the non-performing Loan (NPL) investment information registration request is requested (200), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for the Non-Performing Loan (NPL) investment information registration. In operation 205, the generated (or extracted) web page is transmitted to the terminal and output through the communication channel (210).

According to an embodiment of the present invention, the information registration interface is a user interface for inputting (or selecting) Non Performing Loan (NPL) investment information including at least one of the investment customer information and the profit participation debenture acquisition information. It is preferable to comprise a.

In addition, the web page transmission or output process is preferably performed at least once according to the non-performing Loan (NPL) investment information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) NPL (Non Performing Loan) investment information including at least one or more investment customer information and profit participation debenture acquisition information through the information registration interface (215).

If the terminal receives (or selects) non-performing Loan (NPL) investment information including the investment customer information and the profit participation bond acquisition information through the information registration interface (220), the terminal establishes the communication channel. Through the input (or selection) the investment customer information, profit participation debenture acquisition information is transmitted to the server (225).

According to the exemplary embodiment of the present invention, the input (or selection) of the investment customer information and the profit participation debenture acquisition information through the communication channel is input (or selected) through the information registration interface. Non-Performing Loan (NPL) investment information may be further included by transmitting the electronic signature or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives the investment customer information and the profit participation debenture acquisition information through the communication channel (230).

In addition, the server performs an information registration procedure corresponding to the non-performing Loan (NPL) investment information, and stores the investment customer information and the profit participation debenture acquisition information in a predetermined storage medium 125 ( 235).

According to an embodiment of the present invention, the storage medium 125 is preferably provided in a DBMS on a financial system provided on the investment information registration system (or associated with the investment information registration system). The storage medium 125 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (240), thereby completing the procedure of registering the non-performing Loan (NPL) investment information transmitted from the terminal.

3 is a diagram illustrating a system for opening a face-to-face financial account for depositing bonds according to an embodiment of the present invention.

In more detail, Figure 3 shows the foreign NPL (deposit) for depositing bonds received from at least one investor who wants to invest in a foreign performing loan (NPL) through the investment information registration system shown in FIG. Non Performing Loan) When an investment enterprise client completes an application for opening a financial account including at least one piece of predetermined customer information and financial account property setting information, and submits it to a window provided at a predetermined financial institution, the financial institution can provide the financial account. A system for opening the financial account for deposit payment of bonds on a face-to-face basis based on the application for opening, specifically, when the customer prepares and submits the application for opening the financial account, the counter is provided at the counter. Connect with a financial company server 300 provided on a predetermined window terminal and the financial account opening system. And a method of opening a predetermined financial account for depositing bonds based on financial account opening application information including at least one of customer information and financial account attribute setting information corresponding to the financial account opening application. It is about.

Those skilled in the art to which the present invention pertains may refer to or modify this drawing 3 to infer various implementation methods for the configuration of the financial account opening system for depositing bonds. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, a financial account including at least one financial account opening application and the corresponding customer information and financial account property setting information created by the customer through a predetermined financial account opening interface on the financial account opening system shown in FIG. 3. A component corresponding to at least one or more means or functional configurations of opening the financial account for depositing bonds based on the application information is referred to as "financial company server 300" for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, a system for opening a financial account for depositing bonds includes a terminal device including a window terminal provided at at least one branch (or branch) of a financial institution located abroad. The terminal device is connected to the financial company server 300 provided on the financial account opening system through a predetermined financial network is connected to the communication channel.

According to one embodiment of the present invention, the customer visits the financial institution branch (branch branch), and the application for opening the predetermined financial account through a window (or a cashier) provided at the financial institution branch branch (branch branch). (E.g., a document having a form for filling in the at least one information item), wherein the customer is to seal the customer's seal for legal basis on the application for opening the financial account. Do.

Subsequently, when the customer submits the created financial account opening application to the teller, the teller includes at least one customer information and financial account attribute setting information written in the financial account opening application through a predetermined teller terminal. Enter (or select) financial account establishment application information, and correspondingly, the counter terminal transmits the financial account establishment application information to the financial company server 300 provided on the financial account establishment system through the financial network. It is preferable.

Here, the window terminal preferably comprises a financial terminal used by the employees of the branch (or branch) of the financial institution located abroad, the financial company server 300 connected to the window terminal on the predetermined financial system It is preferable to include a provided server (for example, ledger server, etc.), the financial network connecting the teller terminal and the financial company server 300 is a bank connecting the communication channel between the teller terminal and the financial company server 300 It is preferable to comprise a network.

In the financial account opening system as described above, the bank terminal used by the employee and the financial network connecting the window terminal and the financial company server 300 have a financial account opening interface for the customer to register the financial account opening application information. Perform the function of

The financial company server 300 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side connected to the terminal device through a predetermined financial network, and includes 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), and thus the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the financial company server 300 is a ledger server provided on a financial system connected to the window terminal through a predetermined financial network. Or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the financial company server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the terminal device through the financial network.

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

Referring to FIG. 3, when a predetermined terminal device connects a predetermined communication channel with the financial institution server 300 through the interface unit 305, the financial institution server 300 corresponds to the financial account opening application form. Generate (or extract) at least one user interface for inputting (or selecting) financial account opening application information to be transmitted to the financial institution server 300, and generating (or extracting) in connection with the interface unit 305. Interface input unit 310 for providing the user interface to the terminal device, and when the terminal device inputs (or selects) the financial account opening application information corresponding to the financial account opening application through the user interface and transmits the input; And an information receiver (3) for receiving the financial account opening request information transmitted from the terminal device in association with the interface unit (305). And 15).

When the terminal device connects a predetermined communication channel with the financial institution server 300 through the interface unit 305, and requests the user interface to the financial institution server 300, Generate (or select) financial account opening application information corresponding to the financial account opening application prepared by the customer, and generate at least one user interface for transmitting to the financial institution server 300 through the financial network; Extracting from a database (not shown) and providing the generated user interface (or extracted) to the terminal device through the financial network in conjunction with the interface unit 305.

The terminal device inputs (or selects) financial account opening application information including at least one of the customer information and financial account property setting information through the user interface, and the input (or selected) financial account opening application information. Is transmitted to the financial institution server 300 through the financial network, and in response thereto, the information receiving unit 315 receives the financial account opening application information transmitted from the terminal device in connection with the interface unit 305. It is characterized by.

The customer information may include company-specific information (eg, company name, business registration number (or company unique number corresponding to business registration number, etc.), address, telephone number, mobile phone number, etc. of the overseas NPL (Non Performing Loan) investment enterprise customer). E-mail address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the financial account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for depositing the debentures, and for the financial account. Extended attribute information such as a transfer (or withdrawal) limit amount, and when the financial account is an account linked to an investmentable financial product, preferably includes at least one or more financial product attribute information associated with the financial account.

Referring to FIG. 3, when the financial account opening request information transmitted from the terminal device is received through the information receiving unit 315, the financial institution server 300 receives the loan account opening request information. Characterized in that it comprises a validity authentication unit for checking whether the validity for the deposit is satisfied.

According to the implementation method of the present invention, the validity of the financial account opening application information, at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

Referring to FIG. 3, when the validity of the financial account opening application information received through the information receiving unit 315 is authenticated through the validity confirming unit 320, the financial institution server 300 recognizes the validity of the financial unit. And an account opening unit 325 for opening a financial account in a customer's name including the financial account property setting information based on the customer information and the financial account property setting information included in the account opening application information. .

When the validity of the financial account opening application information is confirmed by the validity confirming unit 320, the account opening unit 325 includes the customer information included in the financial account opening application information in connection with the financial system. After generating the ledger (or confirming the customer ledger which is already matched with the customer information), and generating the predetermined account ledger information including the financial account attribute included in the financial account opening application information, the customer By storing the account ledger information in a predetermined account ledger associated with the ledger, a financial account for depositing the bonds for receiving the bonds is set up corresponding to the application for opening the financial account.

4 is a diagram illustrating a process of opening a financial account for depositing bonds in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIG. 4 is a window terminal in which a terminal device on the financial account opening system shown in FIG. 3 is provided at a branch of a financial institution (or a branch office) located overseas, and the financial company server 300 uses a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system associated with the counter terminal, a predetermined customer prepares an application for opening a financial account including at least one of predetermined customer information and financial account property setting information. When submitting to a window provided at a predetermined financial institution, the financial institution is to configure the system for opening the financial account for deposit of bonds in a face-to-face manner based on the application for opening the financial account, specifically the customer After completing the financial account opening application form and submitting it to the window, the window terminal opens the new financial account opening application. Enter (or select) financial account opening application information corresponding to the document and transmit the same to the financial institution server 300, and correspondingly, the financial institution server 300 includes at least one of the customer information and the financial account attribute setting information. The present invention relates to an implementation method of opening a predetermined financial account for depositing bonds based on the application information for opening a financial account.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for providing the financial account opening application information to the financial company server 300 at the window terminal by referring to or modifying the drawing 4. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, although the implementation method shown in FIG. 4 includes a process of generating a predetermined electronic document corresponding to the application for opening a financial account and storing it in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

Hereinafter, in FIG. 4, the window terminal shown in FIG. 3 is referred to as a “terminal” for convenience, and the financial company server 300 shown in FIG. 3 is referred to as a “server” for convenience, and the financial company server ( The customer information and the financial account attribute setting information transmitted to 300 are referred to as "financial account opening application information" for convenience.

Referring to FIG. 4, when a predetermined customer prepares and submits an application for opening a financial account including at least one of customer information and financial account property setting information, the window terminal shown in FIG. When the user interface is requested and the user interface corresponding to the financial account opening application (400) is connected in a state in which a predetermined communication channel is connected to the server, the server corresponds to the customer information corresponding to the financial account opening application prepared by the customer. Generate (or extract) a user interface for inputting (or selecting) financial account opening application information including at least one financial account property setting information and transmitting the same to the server (405), and generating the user interface through the financial network ( Alternatively, the extracted user interface is transmitted and output to the terminal (410).

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information and financial account property setting information through the user interface (415).

If the financial account opening application information including at least one of the customer information and the financial account property setting information is input (or selected) through the user interface (420), the terminal inputs the input to the server through the financial network. (Or select) transmits the application information for opening the open financial account (425).

The customer information may include company-specific information (eg, company name, business registration number (or company unique number corresponding to business registration number, etc.), address, telephone number, mobile phone number, etc. of the overseas NPL (Non Performing Loan) investment enterprise customer). E-mail address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the financial account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for depositing the debentures, and for the financial account. Extended attribute information such as a transfer (or withdrawal) limit amount, and when the financial account is an account linked to an investmentable financial product, preferably includes at least one or more financial product attribute information associated with the financial account.

Thereafter, the server receives and reads the financial account opening application information including at least one of the customer information and the financial account property setting information through the financial network to check the validity of the financial account opening application information (430). .

According to the implementation method of the present invention, the validity of the financial account opening application information is at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether it is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

If the validity of the financial account opening application information is not authenticated (435), the server generates predetermined financial account opening error information and transmits it to the terminal (440), the financial corresponding to the financial account opening application information Do not open an account.

On the other hand, if the validity of the financial account opening application information is authenticated (435), the server generates predetermined account ledger information corresponding to the financial account opening application information for depositing the bond acquisition price (445), the financial After opening a financial account of the customer's name including the account ledger information in connection with the system (450), predetermined financial account opening details are generated (or extracted) and transmitted to the terminal (455).

5 is a diagram showing a deposit security loan information registration system for deposit security loans according to an embodiment of the present invention.

In more detail, Fig. 5 opens the account in a self-employed enterprise whose parent company is an overseas NPL (Non Performing Loan) investment company that has opened an account for depositing a predetermined amount of bonds through the account opening system shown in Fig. 3 above. Applying for a loan secured by the amount deposited in the account through an overseas branch of a financial institution, more specifically, the self-employed customer is provided at the overseas branch of the financial institution through a predetermined information registration interface ( Or a deposit security loan application information including at least one of customer information, deposit security information, and loan amount information for the deposit security loan to the deposit security loan information registration system. The customer information, deposit security information, and loan amount information included in the provided deposit security loan application information are processed by linking. As a system configuration for storing in the storage medium 535 of the present invention, those of ordinary skill in the art to which the present invention pertains, refer to or modify the figure 5 configuration of deposit security loan information registration system for deposit security loan Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or functional configuration for storing the deposit security loan application information provided from the customer in the storage medium 535 through a predetermined information registration interface on the deposit security loan information registration system shown in FIG. The component corresponding to the "deposit mortgage loan information registration server 500" for convenience.

Referring to this figure 5 according to the embodiment of the present invention, the deposit security loan information registration system for the deposit security loans, comprising an information registration terminal including a teller terminal provided at an overseas branch of the financial institution The information registration terminal is connected to the deposit security loan information registration server 500 provided on the deposit security loan information registration system through a predetermined financial network.

According to one embodiment of the invention, the customer visits the financial institution branch for the secured loan, and through the window provided at the financial institution branch (or through a teller) a predetermined amount for the secured loan After filling out an application form (e.g., a document with a form for filling in at least one item of information for secured loans) and submitting the completed application form to the teller, the teller will send the request through a designated teller terminal. Input (or select) the information entered in the bank, and the teller terminal registers the input (or select) the information secured on the deposit security loan information registration system through the financial network (or the communication network). It is preferable to transmit to the server 500.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, the deposit security loan information registration server 500 is connected to the teller terminal on the predetermined financial system It is preferable to include a ledger server provided, the financial network connecting the teller terminal and the deposit security loan information registration server 500 connects the communication channel between the teller terminal and the deposit security loan information registration server 500. It is preferable to comprise the network to say.

In the deposit security loan information registration system as described above, the financial network connecting the application form prepared by the customer, the teller terminal used by the teller and the teller terminal and the deposit guarantee loan information registration server 500 is the customer. It performs the function of the information registration interface for registering the deposit security loan application information for the deposit security loan.

The storage medium 535 provided on the deposit security loan information registration system according to the present invention links the customer information, deposit security information, and loan amount information included in the deposit security loan application information provided from the information registration terminal. Characterized in that the processing is stored in a predetermined storage medium 535, the deposit security loan application information including at least one of the customer information, deposit security information, loan amount information stored in the storage medium 535 is the deposit; Used for mortgage loans.

The customer information is a company-specific information (for example, company name, business registration number (or business registration) of the overseas non-performing Loan (NPL) investment corporate customers (or the self-owned business customer whose parent company) of Figures 1 and 3 The company's unique number corresponding to the number), address, telephone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g., the customer responds to the financial institution by signing up as a financial transaction customer of the financial institution). It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the financial account opening system.

The deposit security information is a security amount for the customer to secure a predetermined amount (e.g., bonds obtained from at least one investment customer, etc.) deposited in an account opened through the account opening system shown in FIG. It is preferable that the deposit account information is included.

Preferably, the loan amount information includes predetermined loan application amount information that the customer wants to borrow with the deposit as collateral.

According to an embodiment of the present invention, the storage medium 535 is preferably provided in a DBMS on a financial system provided on the deposit security loan information registration system (or associated with the deposit security loan information registration system). In this case, the storage medium 535 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, and thus the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 535 is provided on (or associated with) the deposit security loan information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking. 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.

The deposit security loan information registration server 500 provided on the deposit security loan information registration system according to the present invention is a generic term for the components of the deposit security loan information registration system connected to the information registration terminal and 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), by which the present invention is not limited. .

According to an embodiment of the present invention, when the information registration terminal is a teller terminal connected to a predetermined financial network (or a communication network), the deposit security loan information registration server 500 is connected to the teller terminal through a predetermined financial network. It may be a ledger server provided on the connected financial 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, whereby the present invention is not limited thereto. No.

According to the embodiment of the present invention, the deposit security loan information registration server 500 is provided with an interface unit 505 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network (or communication network), the interface unit 505 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 5, the deposit security loan information registration server 500 connects a communication channel with the deposit security loan information registration server 500 through a predetermined information registration terminal through the interface unit 505. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined deposit security loan application information from the information registration terminal in association with the interface unit 505 and providing the information registration terminal to the information registration terminal; An information receiving unit 515 for receiving predetermined deposit security loan application information transmitted from the information registration terminal through the user interface in connection with the study 510 and the interface unit 505; The validity verification unit 520 for checking the validity of the received deposit security loan application information, and the included in the deposit security loan application information confirmed validity Loan processing unit 530 that processes the deposit security loan to the customer based on the customer information, deposit security information, loan amount information and the deposit security loan application information and the loan processing history information in a predetermined storage medium ( And an information storage unit 525 stored in the 535.

The interface providing unit 510 connects a communication channel with the deposit security loan information registration server 500 through the interface unit 505 to a functional configuration provided in the information registration terminal. Correspondingly, the user inputs (or selects) the deposit security loan application information and generates a predetermined user interface that can be transmitted to the deposit security loan information registration server 500 through the financial network (or communication network), or a predetermined database. And extracting the generated (or extracted) user interface in cooperation with the interface unit 505 to the information registration terminal through the financial network (or communication network).

At least one of inputting (or selecting) the deposit security loan application information to the information registration terminal according to another embodiment of the present invention and transmitting it to the deposit security loan information registration server 500 through the financial network (or communication network). When a predetermined information registration program having the above user interface is provided, the interface providing unit 510 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal inputs (or selects) deposit security loan application information including at least one of the customer information, the deposit security information, and the loan amount information based on the user interface. The deposit collateral loan application information is transmitted to the deposit collateral loan information registration server 500 through the financial network (or communication network).

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network (or a communication network), the interface providing unit 510 may be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a predetermined user interface and provide the generated user interface to the window terminal through the interface unit 505.

The information receiving unit 515 inputs (or selects) the deposit security loan application information including at least one of customer information, deposit security information, and loan amount information through the user interface in the information registration terminal to the financial network (or Communication network), in connection with the interface unit 505, the deposit security loan application information is received, and the received deposit security loan application information is provided to the validity verification unit 520.

The validity verification unit 520 is characterized in that whether the security deposit application information received from the information registration terminal satisfies the validity for the security deposit loan.

According to the implementation method of the present invention, the validity confirmation of the deposit security loan application information is at least one ledger matched with the deposit security loan application information in the ledger D / B on the financial system associated with the deposit security loan information registration system It is preferable to include checking whether the information is registered.

For example, the verification of the validity of the deposit security loan application information may include determining that the deposit security account information corresponding to the deposit security information included in the deposit security loan application information is linked to the deposit security loan information registration system. It is preferable to include checking whether it matches with the account ledger stored in B.

Or, the validity check of the security deposit loan application information is whether the customer information included in the security deposit loan application information matches the customer ledger stored in the ledger D / B on the financial system linked to the deposit security loan information registration system It is preferable to include checking.

When the validity of the security deposit loan application information is confirmed, the loan processing unit 530 is characterized in that the predetermined security deposit loan processing to the customer according to the confirmed security deposit loan application information.

The information storage unit 525 stores the information in the storage medium 535 by integrating and processing the customer information, the security information, the loan amount information and the loan processing information included in the deposit security loan application information. When the storage medium 535 is provided in the deposit secured loan information registration server 500 or on the network associated with the deposit secured loan information registration server 500, the information storage unit 525 is The customer information, deposit security information, loan amount information and the loan processing history information included in the received deposit security loan application information are preferably stored in the storage medium 535 and the storage medium 535. Is provided in the DBMS provided on the financial system, the information storage unit 525 is provided with the customer information, security deposit information, loan amount information included in the received deposit security loan application information the financial system Providing the information to step through the FEP and are preferably stored in a DBMS provided on the financial system.

6 is a diagram illustrating a process of registering the deposit security loan application information according to the method of the present invention.

In more detail, FIG. 6 illustrates an overseas NPL (Non Performing Loan) in which an account for depositing a predetermined amount of bonds is opened through the account opening system shown in FIG. 3 on the deposit security application information registration system shown in FIG. A process of applying for a loan secured by the amount deposited in the account through an overseas branch of a financial institution that opened the account in a self-owned enterprise whose investment company is a parent company, and more specifically, the self-employed customer Deposit collateral loan information registration system provided (or linked) at an overseas branch of the financial institution through an information registration interface. When the loan application information is provided, the deposit included in the deposit security loan application information in the deposit security loan information registration system. The present invention relates to a system for processing deposit security loans based on customer information, deposit security information, and loan amount information, and storing the loan processing details and deposit security loan application information in a predetermined storage medium 535. Those skilled in the art to which the present invention pertains can refer to or modify this drawing 6 to infer various implementation methods for the construction of a deposit security loan information registration system for deposit security loans. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, in Fig. 6, the teller terminal shown in Fig. 5 is referred to as " terminal " for convenience, and the deposit security loan information registration server 500 shown in Fig. 5 is referred to as " server " for convenience. The customer information, deposit security information, loan amount information transmitted to the deposit security loan information registration server 500 is referred to as "deposit security loan application information" for convenience.

Referring to FIG. 6, the teller terminal shown in FIG. 5 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the deposit secured loan application information, and connects to the deposit secured loan. When requesting registration of the deposit security loan application information (600), the server generates (or extracts) a predetermined information registration interface for registering the deposit security loan application information (605), and generates the data through the communication channel. The data registration interface (or extracted) is transmitted to the terminal and output (operation 610).

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

Thereafter, the terminal inputs (or selects) deposit security loan application information including at least one customer information, deposit security information, and loan amount information through the information registration interface (615).

If the terminal receives (or selects) deposit security loan application information including the customer information, deposit security information, and loan amount information through the information registration interface (620), the terminal inputs the information through the financial network. In operation 625, the deposit security loan application information including the selected customer information, deposit security information, and loan amount information is transmitted to the server.

Thereafter, the server receives and reads the customer information, the deposit security information, and the loan amount information through the financial network to check the validity of the deposit security loan application information (630).

According to the implementation method of the present invention, the validity confirmation of the deposit security loan application information is at least one ledger matched with the deposit security loan application information in the ledger D / B on the financial system associated with the deposit security loan information registration system It is preferable to include checking whether the information is registered.

For example, the verification of the validity of the deposit security loan application information may include determining that the deposit security account information corresponding to the deposit security information included in the deposit security loan application information is linked to the deposit security loan information registration system. It is preferable to include checking whether it matches with the account ledger stored in B.

Or, the validity check of the security deposit loan application information is whether the customer information included in the security deposit loan application information matches the customer ledger stored in the ledger D / B on the financial system linked to the deposit security loan information registration system It is preferable to include checking.

If the validity of the security deposit loan application information is not authenticated (635), the server generates a predetermined information registration error information and transmits it to the terminal (640), the information registration corresponding to the deposit security loan application information Do not perform the procedure.

On the other hand, if the validity of the security deposit loan application information is authenticated (635), the server processes the security deposit loan corresponding to the security deposit loan application information (645), the deposit security loan processing history information to the customer information In operation 650, the deposit security information and the loan amount information are processed in association with the predetermined storage medium 535.

According to an embodiment of the present invention, the storage medium 535 is preferably provided in a DBMS on a financial system provided on the deposit security loan information registration system (or associated with the deposit security loan information registration system). In this case, the storage medium 535 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, and thus the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 535 is provided on (or associated with) the deposit security loan information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking. 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 (655), thereby completing the procedure of registering the deposit security loan application information transmitted from the terminal.

7 is a diagram illustrating a non-performing Loan (NPL) transfer information registration system for registering a non-performing Loan (NPL) transfer information according to an embodiment of the present invention.

In more detail, Figure 7 is a transfer customer who transfers a predetermined non-performing loan (NPL) to the deposit loan customer shown in Figure 5 is provided or linked to the deposit loan customer company through a predetermined information registration interface. NPL (Non Performing Loan) transfer information registration system is a non-Performing Loan (NPL) transfer information registration information for the transfer, the contract information, the transfer account information, NPL (Non Performing Loan) information, transfer payment information When providing non-performing Loan (NPL) transfer registration information including at least one, the non-performing Loan (NPL) transfer information registration system in the provided non-performing Loan (NPL) transfer registration information contained in the transfer information, the transfer information System configuration for storing contract information, transfer account information, NPL (Non Performing Loan) information, transfer payment information in a predetermined storage medium (730) As those skilled in the art to which the present invention pertains, a reference to or modifying the present Figure 7 in the non-performing Loan (NPL) transfer information registration system configuration for a predetermined non-Performing Loan (NPL) transfer information registration Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, the non-performing Loan (NPL) transfer registration information provided from the customer through a predetermined information registration interface on the non-performing Loan transfer information registration system shown in FIG. 7 is stored in the storage medium 730. Components corresponding to at least one or more means or functional configurations for the sake of convenience are referred to as "transfer information registration server 700".

Referring to FIG. 7 according to an embodiment of the present invention, the non-performing Loan (NPL) transfer information registration system for registering the predetermined Non-Performing Loan (NPL) transfer information is provided by an employee in the deposit security loan customer company. Characterized in that it comprises an information registration terminal comprising a terminal, the information registration terminal and the transfer information registration server 700 provided on the non-performing Loan (NPL) transfer information registration system through a predetermined financial network; The communication channel is connected.

According to an exemplary embodiment of the present invention, the non-performing Loan (NPL) transfer customer visits the deposit-guaranteed customer company for registration of the non-performing Loan (NPL) transfer information, and the non-performing Loan (NPL) After the transfer agreement is processed, a predetermined application (eg, a non-performing NPL (Non Performing Loan) is registered through the Non-Performing Loan (NPL) staff of the deposit security loan client company). Loan) a document with a form for filling in at least one information item for transfer information registration) and submitting the completed application to the employee, the employee fills in the application through a predetermined employee terminal. (Or select), the employee terminal transfers the input (or selected) the information provided on the non-performing Loan (NPL) transfer information registration system through the communication network To transmit a beam registration server 700 is preferred.

Here, the employee terminal preferably comprises a manager terminal used by the NPL (Non Performing Loan) transfer staff provided in the deposit security loan customer company, connecting the employee terminal and the transfer information registration server 700 The communication network preferably includes an internal or external network connecting the communication channel between the employee terminal and the transfer information registration server 700.

In the non-performing Loan (NPL) transfer information registration system as described above, an application written by the Non-Performing Loan (NPL) transfer customer, an employee terminal used by the counter staff, the employee terminal, and the transfer information registration server 700 The telecommunications network which connects the service network performs a function of an information registration interface for registering a non-performing Loan (NPL) transfer registration information by the customer for registering the non-performing Loan (NPL) transfer information.

The storage medium 730 provided on a non-performing Loan (NPL) transfer information registration system according to the present invention is the transferor information, transfer included in the non-performing Loan (NPL) transfer registration information provided from the information registration terminal. The contract information, transfer account information, NPL (Non Performing Loan) information, transfer payment information is characterized in that stored in a predetermined storage medium 730, the transferor information, transfer stored in the storage medium 730 Non-performing Loan (NPL) transfer registration information including at least one of contract information, transferor account information, non-performing Loan (NPL) information, and transfer payment information is used to register the non-performing Loan (NPL) transfer information. .

The transferor information may be a company-specific information (for example, a company name, a business registration number (or a company identification number corresponding to a business registration number), etc.) (or resident registration number) of a company or individual who transfers a predetermined non-performing loan (NPL) to the company. (B) a unique number corresponding to a social security number), an address, a telephone number, a mobile phone number, an e-mail address, etc.).

The transfer contract information includes a contract date and time corresponding to the transfer of non-performing Loan (NPL) between the non-performing Loan (NPL) transfer customer and the company (NPL (Non Performing Loan) transfer company). It features.

The transfer account information includes an account number corresponding to the opened account of the transfer customer's name to be deposited, and the name of the opening financial institution.

The non-performing Loan (NPL) information may include the Non-Performing Loan (NPL) issue information and redemption information.

Preferably, the transfer price information includes a transaction price and a payment date to be paid to the NPL (Non Performing Loan) transfer customer in exchange for the transfer of the Non Performing Loan (NPL).

According to one embodiment of the invention, the storage medium 730 is preferably provided on the non-performing Loan (NPL) transfer information registration system, whereby the present invention is not limited.

The transfer information registration server 700 provided on the non-performing Loan transfer information registration system according to the present invention is the non-performing Loan transfer information registration system connected to the information registration terminal through a predetermined communication network. Generic terms of the side components may be implemented including at least one or more servers (or devices), 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 invention is not limited.

According to an embodiment of the present invention, the transfer information registration server 700 is characterized by comprising an interface unit 705 for connecting and managing a predetermined communication channel with the information registration terminal through the communication network.

According to an embodiment of the present invention, when the information registration terminal is an employee terminal connected to a predetermined communication network, the interface unit 705 establishes a communication channel with the employee terminal based on a protocol stack defined in the communication network. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a predetermined transfer transaction related program provided in the employee terminal.

Referring to FIG. 7, the transfer information registration server 700 connects a communication channel with the transfer information registration server 700 through the interface unit 705 through the interface unit 705, and then the interface unit 705. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) a predetermined non-performing Loan (NPL) transfer registration information from the information registration terminal and providing the information registration terminal to the information registration terminal. An information receiver for receiving a predetermined non-performing Loan (NPL) transfer registration information transmitted from the information registration terminal through the user interface in connection with the study 710 and the interface unit 705 ( 715), the transferor information, the transfer contract information, the transferor account information, the non-performing Loan (NPL) information, and the transfer payment information included in the received Non-Performing Loan (NPL) transfer registration information. With reference to the non-performing Loan (NPL) transfer account, the payment payment unit 720 for depositing the transfer amount and the payment details and the non-performing Loan transfer registration information to a predetermined process And an information storage unit 725 for storing in the storage medium 730.

The interface providing unit 710 connects a communication channel with the transfer information registration server 700 through the interface unit 705 after the predetermined information registration terminal corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) the non-performing Loan (NPL) transfer registration information and transmitting it to the transfer information registration server 700 through the communication network, or from a predetermined database (not shown). And extract and generate the generated (or extracted) user interface in cooperation with the interface unit 705 to the information registration terminal through the financial network.

At least one user interface for inputting (or selecting) the non-performing Loan (NPL) transfer registration information to the information registration terminal according to another embodiment of the present invention and transmitting it to the transfer information registration server 700 through the communication network. When a predetermined information registration program is provided, the interface providing unit 710 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal registers at least one non-performing Loan (NPL) including at least one of the assignor information, the transfer contract information, the transfer account information, the non-performing Loan (NPL) information, and the transfer payment information based on the user interface. Information is input (or selected), and the input (or selected) NPL (Non Performing Loan) transfer registration information is transmitted to the transfer information registration server 700 through the communication network.

According to an embodiment of the present invention, when the information registration terminal is an employee terminal connected to a predetermined communication network, the interface providing unit 710 may provide a predetermined user interface that can be provided by a financial transaction related program provided in the employee terminal. It is preferable to generate (or extract) and provide the created (or extracted) user interface to the employee terminal through the interface unit 705.

The information receiving unit 715 is NPL (Non Performing Loan) including at least one or more transferor information, transfer agreement information, transfer account information, non-performing Loan (NPL) information, transfer price information through the user interface in the information registration terminal When the transfer registration information is input (or selected) and transmitted through the communication network, the non-performing Loan (NPL) transfer registration information is received in association with the interface unit 705. Non Performing Loan) transfer registration information is provided to the payment unit 720 and the information storage unit 725.

The payment unit 720 refers to the transferor account information and the transfer price information included in the non-performing Loan transfer registration information, and transfers the transfer money to the transferor account through Internet banking (or telebanking, etc.). Characterized in that the payment process.

The information storage unit 725 is the transfer payment information and transfer information included in the non-performing Loan (NPL) transfer registration information, transfer contract information, transfer account information, NPL (Non Performing Loan) information, transfer payment information The storage medium 730 is stored in the storage medium 730, and the storage medium 730 is provided in the transfer information registration server 700 or on the network associated with the transfer information registration server 700. When provided to, the information storage unit 725 transfers the transfer information, transfer contract information, transfer account information, non-Performing Loan information contained in the received non-performing Loan registration information NPL (Non Performing Loan) information, transfer price information It is preferable to store in the storage medium 730 by the cooperative processing.

8 is a diagram illustrating a process of registering a non-performing Loan (NPL) transfer registration information according to an embodiment of the present invention.

In more detail, Figure 8 is a transfer customer (or the deposit security loan customer) who transfers a predetermined non-performing loan (NPL) to the deposit security loan customer shown in Figure 5 through the predetermined information registration interface Transferring information, transfer contract information, transfer account information, NPL for the non-performing Loan (NPL) transfer information registration system on the drawing 7 provided or linked to the loan client company (Non Performing Loan) When the non-performing Loan (NPL) transfer registration information including at least one transfer information is provided, the non-performing Loan (NPL) transfer information registration system provides the non-performing Loan (NPL) transfer. With reference to the registration information, the transfer payment processing to the transfer customer a predetermined transfer, the payment details and the NPL (Non Performing Loan) transfer registration A process for linking the transferor information, transfer contract information, transfer account information, non-performing Loan (NPL) information, transfer price information contained in the storage medium 730, and stores the information in the predetermined storage medium, the present invention Those skilled in the art can infer various implementation methods for the non-performing Loan (NPL) transfer information registration process for registering a non-performing Loan (NPL) transfer information by referring to or modifying the drawing 8. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the employee terminal shown in FIG. 7 is referred to as a “terminal” for convenience, and the transfer information registration server 700 shown in FIG. 7 is referred to as a “server” for convenience, and the transfer from the employee terminal is performed. The transferor information, the transfer contract information, the transferor account information, the NPL (Non Performing Loan) information, and the transfer payment information transmitted to the information registration server 700 are referred to as "NPL (Non Performing Loan) transfer registration information" for convenience.

Referring to FIG. 8, an employee terminal shown in FIG. 7 connects a predetermined communication channel for accessing the server through a predetermined financial network to register the non-performing Loan transfer registration information. When requesting registration of the non-performing Loan (NPL) transfer registration information for the non-performing Loan (NPL) transfer information registration (800), the server provides predetermined information for registering the non-performing Loan (NPL) transfer registration information. A registration interface is generated (or extracted) (805), and the generated (or extracted) information registration interface is transmitted to the terminal through the communication channel (810).

According to an embodiment of the present invention, the information registration interface NPL (Non Performing Loan) including at least one or more of the transferor information, transfer agreement information, transfer account information, non-performing Loan (NPL) information, transfer price information in the terminal And a user interface for entering (or selecting) the transfer registration information.

Subsequently, the terminal inputs at least one transfer registration information including at least one transferor information, transfer contract information, transfer account information, non-performing Loan (NPL) information, transfer price information through the information registration interface ( Or select 815).

Non-transfer registration information including NPL (Non Performing Loan) information, NPL (Non Performing Loan) information, transfer price information is input (or selected) through the information registration interface in the terminal. In step 820, the terminal receives the input (or selected) transferor information, transfer contract information, transfer account information, non-performing Loan (NPL) information, transfer price information through the financial network (NPL) Loan) transfers the transfer registration information to the server (825).

Thereafter, the server receives the transferor information, the transfer contract information, the transferor account information, the non-performing loan information (NPL) information, and the transfer payment information through the communication network (830), and registers the received non-performing Loan (NPL) transfer. The transfer payment is processed to the transfer account based on the information (835).

In addition, the server stores the transfer payment payment history information, the transferor information, the transfer agreement information, the transfer account information, NPL (Non Performing Loan) information, transfer payment information in a predetermined storage medium 730 (840).

According to one embodiment of the invention, the storage medium 730 is preferably provided on the non-performing Loan (NPL) transfer information registration system.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (845), thereby completing the procedure of registering the non-performing Loan (NPL) transfer registration information transmitted from the terminal.

FIG. 9 is a diagram illustrating a face-to-face debt collection contract information registration system for registering debt collection contract information according to an embodiment of the present invention.

In more detail, in FIG. 9, after the NPL (Non Performing Loan) transfer registration information is stored through the transfer agreement information registration system shown in FIG. 7, the customer who has acquired the NPL (Non Performing Loan) receives the NPL In order to request a debt collection service for Performing Loan, the debt collection customer information, collection bond information, collection service fee information, etc. for registration of the collection information on the debt collection contract through a predetermined information registration interface. When providing debt collection contract information including at least one piece of debt collection related information, the debt collection customer information, collection bond information, collection service fee information, included in the bond collection contract information provided by the bond collection contract information registration system, The present invention relates to a system configuration for linking and processing other information related to debt collection in a predetermined storage medium 925. If one of ordinary skill in the art can refer to or modify this figure 9 can infer various implementation methods for the composition of the debt collection contract information registration system for debt collection contract information registration, the present invention is It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or function configuration for storing the debt collection contract information provided from the customer in the storage medium 925 through a predetermined information registration interface on the debt collection contract information registration system shown in FIG. The corresponding component is referred to as "bond collection information registration server 900" for convenience.

Referring to this drawing 9 according to the embodiment of the present invention, the debt collection contract information registration system for registration of the debt collection contract information, including an information registration terminal including an employee terminal provided in a predetermined debt collection service institution; Characterized in that the information registration terminal, the communication channel is connected to the debt collection contract information registration server 900 provided on the debt collection contract information registration system through a predetermined communication network.

According to an exemplary embodiment of the present invention, the debt collection request customer visits the debt collection service institution for registration of the debt collection contract information and through a window (or through a teller) provided in the debt collection service institution. When a prescribed application for registration of debt collection information (for example, a document having a form for filling in at least one information item for registration of debt collection information) is completed and the submitted application is submitted to the clerk, The teller employee inputs (or selects) the information entered in the application through a predetermined employee terminal, and the employee terminal has the input (or selected) information on the debt collection contract information registration system through the communication network. It is preferable to transmit to the collected debt collection information registration server 900.

Here, it is preferable that the employee terminal comprises a manager terminal used by a teller provided in the debt collection service institution.

In the debt collection contract information registration system as described above, the application network prepared by the debt collection request customer, the employee terminal used by the teller and the communication network connecting the employee terminal and the debt collection contract information registration server 900 is The debt collection request client performs a function of an information registration interface for registering debt collection contract information for registration of the debt collection contract information.

The storage medium 925 provided on the debt collection contract information registration system according to the present invention includes the debt collection customer information, collection debt information, collection service fee information included in the debt collection contract information provided from the information registration terminal. And storing information in a predetermined storage medium 925 by linking and processing other information related to debt collection, wherein the debt collection customer information, collection bond information, collection service fee information, and other bonds stored in the storage medium 925. Bond collection contract information including at least one collection-related information is used for registration of the debt collection contract information.

The debt collection customer information is a customer (corporate customer) who acquired the non-performing Loan (NPL) after the non-performing Loan (NPL) transfer registration information is stored through the transfer agreement information registration system shown in FIG. Request for debt collection for the transferred NPL (Non Performing Loan), the company-specific information (for example, company name, business registration number (or company unique number corresponding to the business registration number, etc.) (or corresponding to the social security number or social security number Unique number), address, telephone number, mobile phone number, e-mail address, etc.).

The collection receivable information preferably comprises NPL (Non Performing Loan) information transferred from a non-Performing Loan (NPL) customer through the transfer agreement information registration system shown in FIG.

The collection service fee information preferably defines a service fee for the non-performing Loan collection request.

According to one embodiment of the invention, the storage medium 925 is preferably provided on the debt collection information registration system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 925 is provided on (or associated with) the debt collection contract 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.

The debt collection contract information registration server 900 provided on the debt collection contract information registration system according to the present invention is a generic term for the components of the debt collection contract information registration system side connected to the information registration terminal and a predetermined communication 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), by which the present invention is not limited.

According to the embodiment of the present invention, the debt collection contract information registration server 900 is characterized in that it comprises an interface unit 905 for connecting and managing a predetermined communication channel with the information registration terminal through the communication network. .

According to an embodiment of the present invention, when the information registration terminal is an employee terminal connected to a predetermined communication network, the interface unit 905 establishes a communication channel with the employee terminal based on a protocol stack defined in the communication network. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) by using a communication protocol defined in a financial transaction related program provided in the employee terminal.

Referring to FIG. 9, the debt collection contract information registration server 900 connects a communication channel with the debt collection contract information registration server 900 through a predetermined information registration terminal through the interface unit 905. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined debt collection contract information from the information registration terminal in cooperation with the interface unit 905 and providing the information registration terminal to the information registration terminal. 910 and an information receiving unit 915 for receiving predetermined debt collection contract information transmitted (or selected) from the information registration terminal through the user interface in association with the interface unit 905 and the receiving unit. Prescribed storage by linking the debt collection customer information, collection receivable information, collection service fee information, and other information related to debt collection included in the collected debt collection contract information And an information storage unit 920 for storing the product (925) characterized by comprising.

The interface providing unit 910 connects a communication channel with the debt collection contract information registration server 900 through the interface unit 905, and then the functional configuration provided in the information registration terminal. Correspondingly, generate a predetermined user interface capable of inputting (or selecting) the debt collection contract information and transmitting it to the debt collection contract information registration server 900 through the communication network, or extracting from a predetermined database (not shown). The user interface generated in conjunction with the interface unit 905 may be provided to the information registration terminal through the communication network.

According to another embodiment of the present invention is provided with at least one user interface for inputting (or selecting) the debt collection contract information in the information registration terminal to the debt collection contract information registration server 900 through the communication network When a predetermined information registration program is provided, the interface providing unit 910 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) debt collection contract information including at least one or more of the debt collection customer information, the collection bond information, the collection service fee information, and the other collection information related to the collection based on the user interface. In addition, the input (or selected) the debt collection contract information is transmitted to the debt collection contract information registration server 900 through the communication network.

According to an embodiment of the present invention, when the information registration terminal is an employee terminal connected to a predetermined communication network, the interface providing unit 910 provides a predetermined user interface that can be provided by a financial transaction related program provided in the employee terminal. It is preferable to generate (or extract) and provide the created (or extracted) user interface to the employee terminal through the interface unit 905.

The information receiving unit 915 inputs (or collects) debt collection contract information including at least one or more debt collection customer information, collection bond information, collection service fee information, and other collection information related information through the user interface at the information registration terminal (or Select) to transmit through the communication network, and receives the debt collection contract information in association with the interface unit 905, and provides the received debt collection contract information to the information storage unit 920. do.

When the bond collection contract information is received, the information storage unit 920 processes the bond collection customer information, collection bond information, collection service fee information, and other bond collection related information included in the bond collection contract information to store the bond. And a storage medium 925 provided in the debt collection contract information registration server 900 or on a network associated with the debt collection contract information registration server 900. If so, the information storage unit 920 processes the bond collection customer information, collection bond information, collection service fee information, and other bond collection related information included in the received bond collection contract information in the storage medium 925. It is preferable to store in.

10 is a diagram illustrating a process of registering bond collection contract information according to an embodiment of the present invention.

In more detail, in FIG. 10, after a non-performing Loan (NPL) transfer registration information is stored through the transfer contract information registration system illustrated in FIG. In order to request a debt collection service for Performing Loan, the debt collection customer information, collection bond information, collection service fee information, etc. for registration of the collection information on the debt collection contract through a predetermined information registration interface. When providing debt collection contract information including at least one piece of debt collection related information, the debt collection customer information, collection bond information, collection service fee information, included in the bond collection contract information provided by the bond collection contract information registration system, As a process for linking other bond collection related information and storing it in a predetermined storage medium 925, to which the present invention pertains. Those skilled in the art of the present invention, by referring to or modified in this drawing 10 can be inferred from the various implementation methods for the construction of the debt collection information information collection system for debt collection contract information, the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the employee terminal shown in FIG. 9 is called "terminal" for convenience, and the debt collection contract information registration server 900 shown in FIG. 9 is called "server" for convenience, and in the employee terminal The debt collection customer information, collection debt information, collection service fee information, and other debt collection related information transmitted to the debt collection contract information registration server 900 is referred to as "bond collection contract information" for convenience.

Referring to FIG. 10, an employee terminal shown in FIG. 9 connects to a server through a predetermined communication network, connects a predetermined communication channel for registering the debt collection contract information, and registers the debt collection contract information. When requesting the debt collection contract information registration (1000), the server generates (or extracts) a predetermined information registration interface for registering the debt collection contract information (1005), and the generation (or through the communication channel) The extracted information registration interface is transmitted to the terminal and output (1010).

According to an embodiment of the present invention, the information registration interface inputs the debt collection contract information including at least one or more of the debt collection customer information, collection bond information, collection service fee information, other collection information related to the collection (or It is preferable to include a user interface).

Thereafter, the terminal inputs (or selects) bond collection contract information including at least one or more bond collection customer information, collection bond information, collection service fee information, and other collection related information information through the information registration interface (1015).

If the terminal receives (or selects) debt collection contract information including the debt collection customer information, collection bond information, collection service fee information, and other collection information related information through the information registration interface (1020), the terminal In operation 1025, the contract collection information including the debt collection customer information, the collection receivable information, the collection service fee information, and other collection information related to the collection information is input to the server through the communication network.

Thereafter, the server receives the debt collection customer information, collection debt information, collection service fee information, and other debt collection related information through the communication network (1030), and performs an information registration procedure corresponding to the debt collection contract information. As a result, the bond collection customer information, the collection bond information, the collection service fee information, and other bond collection related information are processed in association with each other and stored in a predetermined storage medium 925 (1035).

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1045), thereby completing the procedure of registering the bond collection contract information transmitted from the terminal.

11 is a diagram illustrating an investment management system for non-performing loan (NPL) investment management according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates the acquisition of debentures corresponding to the non-performing loan (NPL) investment from at least one investor who intends to invest in a non-performing non-performing loan (NPL) through the investment information registration system shown in FIG. Non-Performing Loan (NPL) Invested Company opens a financial account for depositing the bonds through the account opening system shown in Fig. 3, and deposit deposit information information registration system shown in Fig. 5. A subsidiary (or a subsidiary) established by a non-performing Loan (NPL) investor abroad through a foreign branch (or branch) of a financial institution that has opened an account in which the bond purchases are deposited. By applying for a secured mortgage loan secured by debentures, a non-performing NPL (Non Perforing Loan) through the NPL (Non Performing Loan) transfer information registration system shown in FIG. ming Loan Stores non-performing Loan (NPL) transfer registration information for Non-Performing Loan (NPL) transferred from the transfer customer, and transfers the non-performing NPL through the debt collection contract information registration system shown in FIG. After requesting a debt collection service for Loan (Nan), the non-Performing Loan (NPL) investment management system for performing the overall management of the Non-Performing Loan (NPL) investment, as the configuration of the present invention, Those skilled in the art will be able to infer various implementation methods for the construction of an investment management system for NPL (Non Performing Loan) investment management by referring to or modifying this drawing. It is not limited to the implementation method shown in FIG.

Hereinafter, in connection with each of the systems shown in FIGS. 1, 3, 5, 7 and 9 on the investment management system shown in FIG. 11, at least for performing the NPL (Non Performing Loan) investment management. Components corresponding to one or more means or functional configurations are referred to as " investment management server 1100 " for convenience.

Referring to FIG. 11 according to an embodiment of the present invention, the investment management server 1100 for non-performing Loan (NPL) investment management is an investment information registration server shown in FIG. 1 and a financial company shown in FIG. The communication channel is connected to the server, the deposit secured loan information registration server shown in FIG. 5, the transfer information registration server shown in FIG. 7, and the bond collection contract information registration server shown in FIG. do.

According to one embodiment of the present invention, the investment customer is NPL (transmitted from the investment management server 1100 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 ( Non Performing Loan) It is desirable to receive investment management information.

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.

The network means for connecting the client terminal and the investment management server 1100 may be a CDMA-based mobile communication network or an IEEE 802.16x-based portable Internet or a DataTAC / Mobitex-based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one user interface provided by the investment management server 1100, and inputs or selects at least one or more information through the user interface and transmits the same to the investment management server 1100. It is preferable that a function configuration (eg, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the investment management server 1100, etc.) 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.

According to another exemplary embodiment of the present invention, the investment client terminal is connected to a wired telephone network, such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network, in addition to the client terminal. (Not shown) or a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, or affiliated with a financial institution linked to the investment company It may further include a terminal (or server) (not shown) provided in at least one or more organizations, by which the present invention is not limited.

The storage medium provided on the investment management system according to the present invention is the investment information registration server shown in FIG. 1 while the investment management server 1100 performs the Non Performing Loan (NPL) investment, FIG. In the investment management history information provided from the financial company server shown in Fig. 5, the deposit security loan information registration server shown in Fig. 5, the transfer information registration server shown in Fig. 7, and the debt collection contract information registration server shown in Fig. 9, The included investment history information, transfer history information, loan history information, collection history information is stored in a predetermined storage medium in connection with the investment customer information, the investment history information, transfer history stored in the storage medium Investment management history information including at least one information, loan history information, collection history information is used for non-performing Loan (NPL) investment management.

The investment history information includes the profit participation debenture acquisition information, the profit participation debenture acquisition information, provides the overseas non-performing Loan (NPL) investment services and the foreign non-performing Loan (NPL) investment services It is characterized in that it comprises profit dividend condition information, issuance private equity information, etc. for acquiring a predetermined private equity issued by the enterprise as a bond entitled to the investment customer to participate in the profit dividend of the enterprise.

Company-specific information (for example, company name, business registration number (or business registration number) corresponding to the transfer of the transfer information and a predetermined non-performing Loan (NPL) to the Non-Performing Loan (NPL) investment company) Transferor's information including at least one of a company's unique number, etc.) (or a resident registration number or a unique number corresponding to a resident registration number), an address, a telephone number, a mobile phone number, an e-mail address, and the like; Transfer agreement information including the contract date and time corresponding to the transfer of non-performing Loan (NPL) between the company (NPL (Non Performing Loan) transfer company) and the transfer amount according to the transfer of Non-Performing Loan (NPL) Transfer account information including the account number corresponding to the opened account in the name of the transfer customer to be deposited, the name of the opening financial institution, the NPL (Non Performing Loan) issuance information, and repayment information. Non-performing Loan (NPL) information, including the transfer price information including the transaction price and payment date to be paid to the Non-Performing Loan (NPL) transfer customer in return for the transfer of the Non-Performing Loan (NPL) It is characterized by.

The loan history information includes deposit security information and deposit security loan amount information, wherein the deposit security information is opened by the NPL (Non Performing Loan) investment enterprise customer through the account opening system shown in FIG. The collateral amount deposit account information is provided for collateralizing a predetermined amount deposited in an account (at least, the amount of bonds acquired from at least one investment client, etc.), and the loan amount information is collateralized with the deposit. Performing Loan) characterized in that the investment comprises a predetermined amount of loan application information that the customer wants to borrow.

The collection history information, the collection receivable information including NPL (Non Performing Loan) information transferred from a non-Performing Loan (NPL) customer through the transfer agreement information registration system shown in Figure 7, and the non-performing NPL (Non Performing) Loan) It includes the collection service fee information that defines the service fee for receivables collection request, in particular characterized in that it comprises the collection progress.

The investment management server 1100 provided on the investment management system according to the present invention is connected to at least one server (or terminal) for at least one NPL (Non Performing Loan) investment management through a predetermined network means. Generic terms of the side components may be implemented including at least one or more servers (or devices), 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 invention is not limited.

Referring to FIG. 11, the investment management server 1100 receives and confirms investment information from the investment information registration server 100 shown in FIG. 1 through the network means and checks the investment information 1105. And a loan information confirmation unit 1115 for receiving and confirming predetermined loan history information from the deposit security loan information registration server 500 shown in FIG. 5, and the transfer information registration server 700 shown in FIG. Collection information confirmation unit 1110 for receiving and confirming the predetermined transfer history information from the collection information confirmation unit for receiving and confirming the predetermined collection history information from the bond collection contract information registration server 900 shown in FIG. 1120 and an information management unit 1125 for storing the details of the information confirmed by each of the check units in a predetermined storage medium, and periodically sent to the investment customer.

The investment information confirming unit 1105 may receive investment history information including profit participation debenture acquisition information from the investment information registration server 100 shown in FIG. 1, wherein the profit participation debentures The acquisition information provides the overseas non-performing loan (NPL) investment service and allows the investment customer to participate in the profit dividend of the private equity issued by the foreign non-performing loan (NPL) investment service provider. It includes information on dividends and issuances of private equity.

The loan information verification unit 1115 is characterized in that for receiving loan history information including deposit security information and deposit security loan amount information from the deposit security loan information registration server 500 shown in FIG. The deposit collateral information may be a predetermined amount (such as bond acquisitions obtained from at least one investment client) deposited by an NPL (Non Performing Loan) investment corporate customer through an account opening system shown in FIG. In order to secure the collateral, including the collateral amount deposit account information, the loan amount information comprises the predetermined loan application amount information that the non-performing Loan (NPL) investment enterprise customer wants to borrow with the deposit as collateral.

The transfer information checking unit 1110 transfers a predetermined non-performing Loan (NPL) to the Non-Performing Loan (NPL) investment company from the transfer information registration server 700 illustrated in FIG. 7. Unique information (e.g., company name, business registration number (or company unique number corresponding to business registration number, etc.) (or identification number corresponding to social security number or social security number), address, telephone number, mobile phone number, e-mail address, etc. Transfer information including at least one, and the date and time of the contract corresponding to the transfer of non-performing Loan (NPL) between the non-performing Loan (NPL) transfer customer and the company (NPL (Non Performing Loan) transfer company) Includes transfer agreement information to be included, and an account number corresponding to the opened account in the name of the transfer customer to which the transfer amount due to transfer of the Non Performing Loan (NPL) is to be deposited; Non-Performing Loan (NPL) Transfer Customers in exchange for Transfer Account Information, Non-Performing Loan (NPL) Information, Reimbursement Information, and Non-Performing Loan (NPL) Transfers Characterized in that receiving and confirming the transfer history information including the transfer price information including the transaction price and the payment date and time to be paid to.

The collection information confirming unit 1120 includes collection receivable information including NPL (Non Performing Loan) information transferred from a customer holding a non-performing loan (NPL) from the debt collection contract information registration server 900 shown in FIG. And collection service fee information defining a service fee for the non-performing loan request (NPL), and in particular, receiving and confirming collection history information including the collection progress status. .

The information management unit 1125 collects information (for example, investment history information, transfer history information, loan history information, collection history information, etc.) received and confirmed by the verification units from each server, and stores a predetermined storage medium 1130. And to store, and transmits the confirmed information to the investment customer communication means, characterized in that to periodically notify the NPL (Non Performing Loan) investment progress.

12 is a diagram illustrating a non-performing loan (NPL) investment management process according to an embodiment of the present invention.

In detail, FIG. 12 illustrates the acquisition of bonds corresponding to the Non-Performing Loan (NPL) investment from at least one investor who wants to invest in a non-performing overseas loan (NPL) through the investment information registration system shown in FIG. Non-Performing Loan (NPL) invested company opens a financial account for depositing the debentures through the account opening system shown in Fig. 3, and establishes a deposit security loan information registration system shown in Fig. 5. Bonds deposited in the account through an overseas branch (or branch) of a financial institution where the non-performing company (or its subsidiary), established by the non-performing Loan (NPL) investing company, has opened an account in which the bond payments are deposited. By applying for a deposit secured loan secured by the acquisition price, a predetermined NPL (Non Performi Loan) transfer information registration system shown in FIG. ng Loan stores non-performing Loan (NPL) transfer registration information for Non-Performing Loan (NPL) transferred from a transfer customer, and transfers the non-performing NPL through the debt collection contract information registration system shown in FIG. After requesting a debt collection service for Loan, the Non-Performing Loan (NPL) investment management process to perform the overall management of the Non-Performing Loan (NPL) investment, which is conventional in the art Those skilled in the art will be able to infer various implementation methods for the NPL (Non Performing Loan) investment management process by referring to or modifying the drawing 12. However, the present invention includes all the implementation methods inferred from the above drawings. It is not limited only to the implementation method shown in FIG.

Referring to FIG. 12, at least one investing customer who participates in a predetermined overseas non-performing loan (NPL) investment in an investment information registration server 100 provided in a predetermined non-performing loan (NPL) investment company Receive investment information (1200), and stores the received NPL (Non Performing Loan) investment information in a predetermined storage medium (1205).

Here, the non-performing Loan (NPL) investment company may be located in the foreign country, not domestic, and obtains the profit participation debenture acquisition price from the investment customers.

In addition, the non-performing Loan (NPL) investment company opens a deposit account for depositing bonds acquired from the investment customers through a domestic financial institution overseas branch (1) located abroad (1210), and establishes the opened deposit. Deposits of debentures obtained from the investment customer are deposited in the account (1215).

Then, in the overseas subsidiary of the non-performing Loan (NPL) investment company, the loan application is secured from the overseas branch of the financial institution (2) (1220), and the deposit security loan information registered in the financial institution is registered. The server processes the deposit security information in association with the company information and stores the deposit security information in a predetermined storage medium (1225).

Subsequently, the overseas subsidiary of the non-performing Loan (NPL) investment company purchases a predetermined Non-Performing Loan (NPL) using the loan (1230), and the foreign subsidiary of the Non-Performing Loan (NPL) investment company is provided (or The non-performing Loan (NPL) transfer (contract) information stored in a non-performing Loan (NPL) investment enterprise (NPL) is stored in a predetermined storage medium (1235).

In addition, when a debt collection request is made to a non-performing debt collector (NPL) from an overseas subsidiary of the non-performing Loan (NPL) investment company to a predetermined debt collection institution (1240), the debt collection institution is provided to the debt collection institution. The contract information registration server registers and stores NPL (Non Performing Loan) debt collection information (1245).

Thereafter, the investment management server illustrated in FIG. 11 periodically receives investment history information from each institution (or server) (1250), and transmits the received investment history information to each investment customer to notify the investment progress. And management (1255).

According to the present invention, by presenting a way to participate in a local deal where a good NPL is traded a lot, a financial institution has an advantage that it can secure a profit through collateral loans while pursuing a return on investment.

Claims (4)

NPL investment information including at least one investment customer information corresponding to at least one investment customer who wants to invest in a predetermined overseas NPL provided from a predetermined terminal in a predetermined investment information registration means and debenture acquisition information of a participant in profit is stored in a predetermined storage medium. Registering; Opening a financial account for depositing a predetermined investment amount (or bond acquisition price) obtained from the investment customer by a corporate customer who invests the foreign NPL in a predetermined account opening means; Registering, in a predetermined storage medium, predetermined deposit security loan information that secures the investment amount (or the bond acquisition price) deposited in the financial account provided from the terminal of the corporate customer in a predetermined loan information registration means; In the predetermined transfer information registration means, the predetermined amount of NPL transfer information for the predetermined NPL received from the predetermined NPL transfer customer by providing the predetermined loan to the collateral loan by the corporate customer from the corporate customer terminal. Registering with the medium; Receiving predetermined debt collection contract information about debt collection for the transferred NPL from a predetermined terminal by a predetermined terminal in a predetermined contract information registering means and storing the predetermined debt collection contract information in a predetermined storage medium; And Investment history confirmed by the investment information registration means in a predetermined investment management means, loan history confirmed by the loan information registration means, transfer history confirmed by the transfer information registration means, bond collection contract confirmed from the contract information registration means And storing the information in a predetermined storage medium in association with the details, and transmitting the checked information to the communication means of the investment customer, and periodically notifying the progress of the NPL investment. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Investment information registration means for registering NPL investment information including investment customer information corresponding to at least one or more investment customers who intend to invest in a predetermined overseas NPL provided from a predetermined terminal, and profit participation debenture acquisition information on a predetermined storage medium; An account opening means for opening a financial account for depositing a predetermined investment amount (or bond acquisition price) acquired by the enterprise customer who attracts the foreign NPL to the investment customer; Loan information registration means for registering predetermined deposit security loan information in a predetermined storage medium with an investment amount (or bond acquisition price) deposited in the financial account provided from the terminal of the corporate customer; Transfer information registration for registering the NPL transfer information for a predetermined NPL received from a predetermined NPL transfer customer by providing a predetermined loan for the mortgage loan by the corporate customer from the corporate customer terminal. Way; Contract information registration means for receiving, by a predetermined terminal, predetermined corporate debt collection contract information about debt collection for the transferred NPL from a predetermined terminal, and storing the predetermined debt collection contract information in a predetermined storage medium; And The investment history confirmed from the investment information registration means, the loan history confirmed from the loan information registration means, the transfer history confirmed from the transfer information registration means, and the bond collection contract details confirmed from the contract information registration means, And an investment management means stored in a storage medium and transmitting the checked information to the communication means of the investment customer, and periodically notifying the progress of NPL investment. The method of claim 3, wherein The account opening means and the loan information registration means, A bad debt trading system characterized in that it is provided at an overseas branch of a predetermined financial institution.

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