KR101008725B1 - System for operating loan advance information automatically over network - Google Patents

Abstract

The present invention relates to an online automatic management system for credit information of financial institutions, and manages various information necessary for credit examination on a server, and establishes it to be accessible at work, and the step-by-step monitoring of credit examination is performed for each transaction, individual and company. It is possible to provide automatic credit information online financial management system of financial institutions that has increased work efficiency by automatically managing the availability of inquiry by inquiry level when inquiry and enabling the transmission of application information by members of decision-making committees. There is this.

In the present invention, when the negative file is received, the progress list information of each member of the decision making committee can be updated, thereby making a quick decision making, which can shorten the credit examination period, and the approval audit acceptance file and the negative file. Because the result files and archive files are all computerized, the work process is quick and efficient, and there is an effect that can prevent the omission of transaction through monitoring. There is an advantage that there is no fear of secret leakage.

Online, financial institution, credit information, automatic management, credit examination.

Description

Credit information online automatic management system of financial institutions {SYSTEM FOR OPERATING LOAN ADVANCE INFORMATION AUTOMATICALLY OVER NETWORK}

The present invention relates to an online automatic management system of credit information of financial institutions, and more specifically, to manage various information required for credit examination on a server, and to make it accessible at work, and to monitor the credit examination step by step for each transaction, It is possible for each individual and company, and automatically manages the availability of inquiry by inquiry level and makes it possible to transmit the application information of each member of the decision-making committee. will be.

As is well known, the credit business of financial institutions such as banks and credit companies is an important part of the modern society, and since the profits of financial institutions are mostly generated from credit business, each financial institution is required to efficiently perform credit business. Trying hard.

Among the credit services, the borrower's collateral or credit is used to generate a certain economic power for the borrower. Therefore, risk avoidance is the most important position. It is more important.

At present, the general credit screening process conducted by financial institutions first inputs the social security number or corporation number into the contents of the documents required for the examination and outputs it to the page, and temporarily shifts it to 6 to 7 copies. It is copied and handwritten to the decision-making body.

After the decision is made by the decision-making body, the original documents are folded and stored in the archives, and if any changes occur, the corresponding documents in the archives are again found and updated and re-edited. At the same time, the procedure must find and dissipate the documents in the archives.

The foregoing invention refers to the background of the art to which the present invention pertains, and does not mean the prior art which is widely known in the art.

However, in the conventional credit screening process, even if it is the same company or the same individual, it is necessary to input the corporation number or resident number repeatedly for each transaction, so that the corresponding transaction contents can be inquired. There was a problem of being extremely low.

In addition, the conventional credit screening process requires an excessive amount of preparation time, since it is necessary to prepare the examination documents manually. There was a problem of falling, and there was a problem that the approval time was delayed by inputting the opinion even after the completion of the department.

In addition, conventionally, because it is a staple storage, there is a problem that a storage place is required and a lot of time is required to find a corresponding document for reading at the time of reading, so the economic efficiency is low and the work efficiency is also considerably reduced.

The present invention was created to improve the above problems, it is possible to manage the various information necessary for credit examination on the server to establish the access at work, and step-by-step monitoring of credit examination is possible for each transaction, individual and company The purpose is to provide online credit management system for credit information of financial institutions that has improved work efficiency by automatically managing the availability of inquiry by inquiry level and enabling the transmission of application information by members of decision-making committees. have.

The credit information online automatic management system of a financial institution according to the present invention accesses the credit examination management server 6 through an internal private network and handles the work from the application of approval of the credit examination to the completion of the approval of the credit examination, and the credit officer or decision making. In order to input or monitor information related to credit examination approval, a member of the committee is provided with a financial institution terminal (2) equipped with a business processing API (4) for performing communication on the credit examination management server (6) and outputting information of a web browser. )Wow; A control server 8 for performing authentication and inquiry processing therein and a database management server (DBMS) 14 for managing the database 18 are provided, and the control server 8 has a financial institution terminal 2 therein. There is an authentication processing unit 10 for performing the user authentication process through the unique number and login information (ID and password) of the business processing API (4) transmitted from the), credit examination approval application information and approved transaction information File management control unit 12 for controlling the management of the file is provided, the DBMS 14 is a file management unit for performing the extraction and update processing of the credit examination approval application information and the approved transaction information file therein ( 16) is provided, receives the credit examination approval application information from the financial institution terminal (2), and the authentication information, credit examination search information (resident number or corporation number) and the financial institution terminal (2) and New screening process monitoring request signal and approve transactions completed cases received data for a viewing request signal and reception of the file; A data transmission unit for transmitting the credit examination processing status information, the credit examination processing detailed information, and the file for the completed transaction to the financial institution terminal 2; Receiving and registering application information related to credit approval and related attachment files from the financial institution terminal 2, register and receive in the database 18, update the list table, and store and process the interlocked contact information for each list. A registration and registration processor; Receiving the alignment request signal from the financial institution terminal 2, credit approval registered in the database 18 in accordance with the alignment request signal corresponding to the name or trade name of the borrower and the social security number, corporation number, contact information, and examination station information A credit examination file sorting processor for sorting related files; In response to the credit examination file sorting processor 26, the financial institution terminal 2 receives a monitoring request signal of a credit approval related file, extracts the corresponding credit approval related file registered in the database 18, and then extracts the relevant credit approval related file. An audit processing monitoring processor for transmitting to the terminal 2; When receiving the monitoring request signal of the credit approval related file from the financial institution terminal 2 in conjunction with the audit processing monitoring processor 30, the login information (ID and password) or the transaction number and business process API ( A monitoring grade management processor for managing the monitoring grade for each credit approval-related file through the unique number of 4), and determining whether to monitor each file; A review unit that automatically assigns documents of the review unit created by access to the terminal 2 of the financial institution to each member for review and approve the documents of the corresponding section, and automatically updates the progress list for each member so that prompt decision making can be made. A management processor; Receipt of credit approval related information and progress status of each credit approval related information, detailed information of credit approval request related information, contact information for each credit approval request, member information of the review department and progress list information for each member, monitoring information for each file And a database storing monitoring level information for each person in charge, and storing unique number information for each API mounted in each terminal. Receives and stores the file created by the financial institution terminal (2) through the reception file for the credit approval application and the attached file, and performs the monitoring of grades that can be monitored through the login information, and the progress list for each member for the vote resolution. A control unit for controlling the automatic update process in the mobile terminal, and the unique number and login information (ID and password) of the business processing API 4 of the financial institution terminal 2 are assigned to each rower number, processing time, and detailed reception information. Registered by matching with the scanned attachment, and managed by linking the inquiry grade of the cashier and correspond to the inquiry grade whether the credit examination approval application information and the completed transaction information information to the financial institution terminal 2 can be inquired. Credit information online automatic management system of financial institutions, characterized in that consisting of a credit examination management server (6) for supporting The.

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Preferably, the credit examination management server (6) automatically updates the credit information created by the credit examination approval application information to the progress list for each member of the decision-making committee online credit information of the financial institution automatically A management system is provided.

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Preferably, the credit examination management server 6 automatically changes the display such as color, font, and font size to indicate that the file is updated when the list is published for the file updated in the member's progress list for negative decision. There is provided a credit information online automatic management system of a financial institution, characterized in that to control to.

As described above, when the credit information online automatic management system of the financial institution according to the present invention receives a negative file, it is possible to perform a quick decision by updating the progress list information for each member of the decision making committee. The credit review period can be shortened, and the approval audit acceptance file, the negative file, the result file and the archive file are all computerized, so that the work can be processed quickly and efficiently, and monitoring can be prevented from missing transactions. It is effective, and unlike the papers, it is possible to manage the inquiry grade for each file, so there is no fear of secret leakage.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of an automatic credit information online management system of a financial institution according to the present invention. The terms to be described below are terms defined in consideration of functions in the present invention, which may vary depending on the intention or convention of a user or an operator. Therefore, definitions of these terms should be made based on the contents throughout this specification.

1 is a block diagram showing a schematic configuration of a credit information online automatic management system of a financial institution according to an embodiment of the present invention.

Referring to this, the credit information online automatic management system of a financial institution according to an embodiment of the present invention manages various information required for credit examination on a server, and establishes it to be accessible at work. It is a system that can increase the efficiency of work by automatically managing the availability of inquiry by inquiry level and by sending the application information of each member of the decision making committee.

In other words, the automatic credit information online management system of a financial institution according to an embodiment of the present invention basically reviews the review documents and prepares the sheets, prepares the negative documents and distributes the documents, stores the completed contracts, manages them, etc. In order to computerize all the tasks of the company, it is possible to rearrange the data by each transaction, individual and company in order to improve the work efficiency on the relevant data. It is a system that enhances work efficiency and enables quick work processing by automatically managing and supporting decision making by the members of the decision-making body.

To this end, the automatic credit information online management system of a financial institution according to an embodiment of the present invention accesses the credit examination management server 6 to an internal private network, and processes the work from the application of the credit examination approval application to the completion of the credit examination approval. To this end, a financial institution terminal 2 used by a credit officer or a member of a decision-making committee is configured, and access to the credit examination management server 6 is performed inside the financial institution terminal 2. As the authentication process is performed, the credit examination approval application information to be processed can be received in the form of a file, and a business processing API (Application interface: 4) is installed inside to access the database and monitor the credit examination approval application information. .

On the other hand, the credit information online automatic management system of the financial institution according to an embodiment of the present invention registers the received credit examination approval application information matched with the contact information, processing time, detailed reception information, scanned attachments, and finance A credit examination management server 6 is provided for supporting the inquiry of the credit examination approval application information and the completed transaction information to the institution terminal 2.

In addition, the credit examination management server 6 registers and registers the unique number and login information (ID and password) of the business processing API 4 of the financial institution terminal 2 with each of the line number, and the inquiry grade of the line. By interlocking and managing the credit examination approval application information and the approved transaction information information whether the inquiry can be managed according to the inquiry level.

Meanwhile, the credit examination management server 6 is referred to as a control server 8 for performing authentication and inquiry processing therein, and a database management server for managing the database 18 (hereinafter referred to as a database management server (DBMS)). 14 is provided, the control server 8 performs user authentication processing through the unique number and login information (ID and password) of the business processing API 4 transmitted from the financial institution terminal 2 therein. An authentication processing unit 10 is provided, and a file management control unit 12 for controlling the management of the credit examination approval application information and the approved transaction case information file is provided.

In addition, the DBMS 14 is provided with a file management unit 16 for extracting and updating the credit examination approval application information and the approved transaction case information file therein.

On the other hand, the credit examination management server 6 transmits the sub-file created by the credit examination approval application information for each member of the decision-making committee, and controls the result information of the department.

In particular, the credit examination management server 6 in the present invention, when a negative file is received, updates the processing list (To do list) information for each member of the decision-making committee, the corresponding member of the financial institution terminal ( When logging in the business processing API 4 installed in 2), the negative file to be processed automatically is controlled to be displayed on the screen. Through this, the present invention can perform a quick decision making it is possible to shorten the credit examination period.

Figure 2 is a block diagram showing the configuration of the credit examination management server included in the credit information online automatic management system of a financial institution according to an embodiment of the present invention.

Referring to this, the credit examination management server 6 included in the credit information online automatic management system of a financial institution in accordance with an embodiment of the present invention receives a data receiver, a data transmission unit, an authentication processing unit, a credit examination and A registration processor, credit examination file sorting processor, audit processing monitoring processor, monitoring grade management processor, management processor of a review unit, a database and a control unit are provided.

Reference numeral 20 receives the credit examination approval application information from the financial institution terminal 2, the authentication information, credit examination search information (resident number or corporation number) and credit examination processing monitoring request signal from the financial institution terminal (2) And a data receiving unit for receiving a read request signal of the approved transaction information file.

Reference numeral 22 denotes a data transmission unit for transmitting the credit examination processing status information, the credit examination processing detailed information, and the file for the completed transaction to the financial institution terminal 2.

Reference numeral 10 denotes an authentication processing unit that performs user authentication to communicate with an API mounted inside the financial institution terminal 2 to transmit and receive various files.

Reference numeral 24 receives credit registration related application documents and related attachment information from the financial institution terminal 2 and registers them in the database 18, updates the list table, and stores and handles the contact information for each list. Indicates a credit examination acceptance and registration processor.

Reference numeral 26 receives an alignment request signal from the financial institution terminal 2 and transmits the alignment request signal to the database 18 according to the alignment request signal corresponding to the name or trade name of the borrower and the social security number, corporation number, contact person information, and inspection station information. Represents a credit examination file sorting processor that sorts registered credit approval related files.

Reference numeral 28 is linked with the credit examination file sorting processor 26 to receive a monitoring request signal of a credit approval related file from the financial institution terminal 2 and extract the corresponding credit approval related file registered in the database 18. To an audit processing monitoring processor for transmitting to the financial institution terminal 2.

Reference numeral 30 is linked to the examination processing monitoring processor 30 when receiving the monitoring request signal of the credit approval related file from the financial institution terminal 2, the login information (ID and password) or the row number and transmitted together; Through the unique number of the business processing API (4) manages the monitoring level for each credit approval-related file, it represents a monitoring class management processor for determining whether the file can be monitored.

Reference numeral 32 designates a document of the reviewing department created by the access of the financial institution terminal 2 automatically for each member to review and approve the document of the relevant department, and makes a quick decision by automatically updating the progress list for each member. Represents the management processor of the audit unit that processes it.

Reference numeral 18 denotes the status of receipt of credit approval related matters and the progress status of each credit approval related matter, detailed information of credit approval requests, the contact information of each credit approval request, the information of each member of the judging department and the progress list information of each committee, This file stores monitoring information for each file and monitoring class information for each person in charge, and represents a database that stores unique number information for each API installed in each terminal.

Reference numeral 34 is for receiving and storing a file created by the financial institution terminal (2) through the reception file and attachment file for the application for credit approval, and perform the monitoring of the grade of the employee who can be monitored through the login information, and for the negative resolution. The control unit for performing the control for the automatic update processing in the progress list for each member.

At this time, the credit examination management server 6 to change the display, such as color, font, font size automatically to indicate that the file is updated to the new file when the list is published in the progress list for each member for the negative decision Control to draw the attention of the judges.

Hereinafter, the function and operation of the credit information online automatic management system of a financial institution according to an embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

Figure 3 is a schematic diagram showing the overall signal flow through the credit information online automatic management system of a financial institution according to an embodiment of the present invention, Figure 4 is a credit information of a financial institution according to an embodiment of the present invention This is a flowchart showing the signal flow of the online automatic management system.

Referring to this, the entire signal flow through the credit information online automatic management system of a financial institution according to an embodiment of the present invention, as shown in Figures 3 and 4, the application for credit approval is made to receive various credit approval applications When the receptionist takes over the borrower's credit information, the receptionist drives the business processing API 4 installed in the financial institution terminal 2.

When the business processing API 4 is driven, the business processing API 4 executes the credit approval acceptance web document stored in advance in the credit examination management server 6 while the session is established in the credit examination management server 6. It will be printed to a web browser. That is, the credit examination management server 6 receives the credit approval reception signal from the financial institution terminal 2 and activates the credit examination approval application area according to the selection signal. At this time, the credit examination approval application area is an area where a new reception file is created.

Then, the receptionist inputs the borrower information and the credit approval application information, and attaches an attached file such as a required scan file to the corresponding credit approval application reception file to create a reception file.

When the reception file is completed, the completion signal and the reception file are transmitted to the credit examination management server 6, and the credit examination management server 6 registers the file.

In addition, the person in charge of writing the document runs the business processing API 4 installed in the financial institution terminal 2, and in the state where the session is set in the credit examination management server 6, the credit examination management server 6 ) Will print the web document for creating the negative file saved in advance in the web browser.

In this state, when the person in charge of document preparation enters the borrower's resident code or corporation number, the credit examination management server 6 corresponds to the corresponding credit approval application file stored in the database 18 corresponding to the resident number or corporation number. Aligned to transmit the screen to the financial institution terminal (2). In this state, when the person in charge of writing the document performs the conversion key manipulation to the Excel document, the file is automatically converted into the Excel file.

At this time, the credit approval application file is composed of an electronic document, it is converted into an Excel file by using a known technique that is converted by a coordinated program that is automatically converted into an Excel file.

When it is converted into an Excel file, a credit file is created by outputting the credit application files one by one from the Excel sheet. At this time, an external page document, not an electronic document, is attached to the negative file by scanning as an image and copying it to the negative Excel file.

When the part file is completed, the credit examination management server 6 extracts the member information of the decision making committee, updates the list of files of the part automatically in the progress list for each member, and stores the file of the part stored in the database 18. Will be automatically linked with each list included in the committee's progress list.

Then, the corresponding members drive the business processing API (4) installed in the financial institution terminal (2), and selects a specific list included in his progress list while the session is set in the credit examination management server (6) Then, the linked file of the relevant part is displayed on the screen, and after confirming the content after determining the content, the result information of the corresponding part is stored in the credit examination management server 6 to store the result of the part.

By repeating the process of accepting the results of such a part, the credit examination management server 6 determines whether the wealth information of each member for the file of the part has been received, and if the processing of the part is completed, for post management, The credit examination management server 6 automatically classifies the file as the resolution end file and moves the file to the resolution end file category.

Therefore, the automatic credit information online management system of a financial institution according to an embodiment of the present invention computerized all documents from the process of receiving the application form for the paper credit approval to the completion of the final resolution, thereby improving work efficiency and improving economic efficiency. To ensure that the credit checks are made promptly.

In addition, the credit information online automatic management system of a financial institution according to an embodiment of the present invention, the signal flow of monitoring the credit approval process, or the signal to automatically manage the presence or absence of monitoring according to the grade of the circle of the signal flow Since the flow is further included, the description of the signal flow will be described in detail with reference to FIG. 5.

5 is a flowchart illustrating a monitoring state through an online credit information management system of a financial institution according to an embodiment of the present invention.

Referring to this, the credit information online automatic management system of a financial institution according to an embodiment of the present invention, if the rating manager is to set the monitoring whether or not the rating of the credit-related files for each member, the credit examination management server (6) Monitoring grade information for each row is stored in the database 18.

In that state, the credit examination management server 6 determines whether a monitoring request signal for negative and resolution files is received from the financial institution terminal 2. That is, in order to transmit a monitoring request signal for a particular negative and resolution file to the credit examination management server 6, the login information is input to the business processing API 4 installed in the financial institution terminal 2 and the business processing API ( 4) to be driven, the credit examination management server 6 drives the monitoring grade management processor 30 provided therein at the time of authentication of the login information, so that the corresponding staff can monitor the corresponding negative and resolution files Determine if you are a grader.

If it is a viewable grader, the credit examination management server 6 extracts the negative and resolution files from the database 18 and outputs them to the web browser of the financial institution terminal 2 for monitoring.

On the other hand, if the rating is not viewable, the credit examination management server 6 transmits the information indicating that the file of the unviewable rating to the web browser of the financial institution terminal 2 to display the screen.

On the other hand, the credit examination management server 6 determines whether a rating change signal for a specific rower is received from the financial institution terminal 2 of a rating manager, and when a rating change signal is received, the rating of the corresponding rower is changed. In the database 18.

1 is a block diagram showing a schematic configuration of a credit information online automatic management system of a financial institution according to an embodiment of the present invention;

Figure 2 is a block diagram showing the configuration of the credit examination management server included in the credit information online automatic management system of a financial institution according to an embodiment of the present invention,

Figure 3 is a schematic diagram showing the overall signal flow through the credit information online automatic management system of a financial institution according to an embodiment of the present invention,

4 is a flowchart illustrating a signal flow of an automatic credit information online management system of a financial institution according to an embodiment of the present invention;

5 is a flowchart illustrating a monitoring state through an online credit information management system of a financial institution according to an embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

2: financial institution terminal 4: business processing API

6: Credit audit management server 8: Control server

14: DBMS

Claims (6)

Access to the credit examination management server (6) through the internal private network to handle the work from the application of approval of the credit examination to the completion of approval of the credit examination, and to input or monitor the information related to the credit examination approval by the credit officer or the member of the decision-making committee. A financial institution terminal (2) having a business processing API (4) for performing communication on the credit examination management server (6) and outputting information of a web browser; A control server 8 for performing authentication and inquiry processing therein and a database management server (DBMS) 14 for managing the database 18 are provided, and the control server 8 has a financial institution terminal 2 therein. There is an authentication processing unit 10 for performing the user authentication process through the unique number and login information (ID and password) of the business processing API (4) transmitted from the), credit examination approval application information and approved transaction information File management control unit 12 for controlling the management of the file is provided, the DBMS 14 is a file management unit for performing the extraction and update processing of the credit examination approval application information and the approved transaction information file therein ( 16) is provided, receives the credit examination approval application information from the financial institution terminal (2), and the authentication information, credit examination search information (resident number or corporation number) and the financial institution terminal (2) and New screening process monitoring request signal and approve transactions completed cases received data for a viewing request signal and reception of the file; A data transmission unit for transmitting the credit examination processing status information, the credit examination processing detailed information, and the file for the completed transaction to the financial institution terminal 2; Receiving and registering application information related to credit approval and related attachment files from the financial institution terminal 2, register and receive in the database 18, update the list table, and store and process the interlocked contact information for each list. A registration and registration processor; Receiving the alignment request signal from the financial institution terminal 2, credit approval registered in the database 18 in accordance with the alignment request signal corresponding to the name or trade name of the borrower and the social security number, corporation number, contact information, and examination station information A credit examination file sorting processor for sorting related files; In response to the credit examination file sorting processor 26, the financial institution terminal 2 receives a monitoring request signal of a credit approval related file, extracts the corresponding credit approval related file registered in the database 18, and then extracts the relevant credit approval related file. An audit processing monitoring processor for transmitting to the terminal 2; When receiving the monitoring request signal of the credit approval related file from the financial institution terminal 2 in conjunction with the audit processing monitoring processor 30, the login information (ID and password) or the transaction number and business process API ( A monitoring grade management processor for managing the monitoring grade for each credit approval-related file through the unique number of 4), and determining whether to monitor each file; A review unit that automatically assigns documents of the review unit created by access to the terminal 2 of the financial institution to each member for review and approve the documents of the corresponding section, and automatically updates the progress list for each member so that prompt decision making can be made. A management processor; Receipt of credit approval related information and progress status of each credit approval related information, detailed information of credit approval request related information, contact information for each credit approval request, member information of the review department and progress list information for each member, monitoring information for each file And a database storing monitoring level information for each person in charge, and storing unique number information for each API mounted in each terminal. Receives and stores the file created by the financial institution terminal (2) through the reception file for the credit approval application and the attached file, and performs the monitoring of grades that can be monitored through the login information, and the progress list for each member for the vote resolution. A control unit for controlling the automatic update process in the mobile terminal, and the unique number and login information (ID and password) of the business processing API 4 of the financial institution terminal 2 are assigned to each rower number, processing time, and detailed reception information. Registered by matching with the scanned attachment, and managed by linking the inquiry grade of the cashier and correspond to the inquiry grade whether the credit examination approval application information and the completed transaction information information to the financial institution terminal 2 can be inquired. Credit information online automatic management system of a financial institution, characterized in that consisting of a credit examination management server (6) to support. delete delete The credit information of a financial institution according to claim 1, wherein the credit examination management server 6 controls to automatically update the negative file created due to the credit examination approval application information in the progress list for each member of the decision making committee. Online automated management system. delete According to claim 4, wherein the credit examination management server 6 automatically displays a display such as color, font, font size for the progress list progress list file for each member for the negative decision to indicate that the list is a new file when the list is published. Credit information online automatic management system of a financial institution, characterized in that for controlling to execute the change.

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