KR101014681B1 - System and Method for Processing Loan Rate using Non-Used Loaned Money - Google Patents

Abstract

The present invention relates to a loan interest processing method and system using an unused loan and a recording medium therefor. The loan interest processing system using an unused loan according to the present invention includes a loan held by a customer connected to Internet banking through a non-face-to-face channel. Means for providing a total amount of money for the account, a means for providing a user interface for setting an unused amount and period of the total amount for the checked loan account, the period of unused period information, and the amount of unused amount through the provided user interface. Means for receiving information, and means for calculating loan interest of the customer based on the received unused period and unused amount.

Interest on loan

Description

System and Method for Processing Loan Rate using Non-Used Loaned Money}

1 is a diagram illustrating a non-face-to-face loan rate adjustment request processing system for providing preferential loan rate by setting an unused amount of total loan account held by a customer connected through a non-face-to-face channel according to an embodiment of the present invention. to be.

2 is a ledger provided in a DBMS on a financial system in a non-face-to-face manner in order to provide preferential loan interest rate by setting an unused amount of total loan account held by a customer connected through a non-face-to-face channel according to an embodiment of the present invention. A diagram showing the configuration of loan interest rate adjustment request information stored in / B.

3 is a ledger provided in a DBMS on a financial system in a non-face-to-face manner in order to provide preferential loan interest rate by setting an unused amount of total loan account held by a customer connected through a non-face-to-face channel according to another embodiment of the present invention. A diagram illustrating the configuration of loan interest rate adjustment request information stored in a database associated with D / B.

4 is a DBMS provided in a banking server in a non-face-to-face manner in order to provide preferential loan interest rate by setting an unused amount of total loan account held by a customer connected through a non-face-to-face channel according to another embodiment of the present invention. A diagram showing the structure of the stored loan interest rate adjustment request information.

5A and 5B illustrate loan interest rate adjustment request information in a non-face-to-face manner in order to provide preferential loan rate by setting an unused amount of total loan amount held by a customer connected through a non-face-to-face channel according to an exemplary embodiment of the present invention. A diagram illustrating a registration process.

6A, 6B, and 6C are provided through a non-face-to-face financial transaction channel for providing preferential loan interest rate by setting an unused amount of total loan amount held by a customer connected through a non-face-to-face channel according to an embodiment of the present invention. The process of registering loan interest rate adjustment request information is shown.

<Description of main parts of drawing>

100: loan interest rate adjustment request processing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information verification unit 125: validation unit

130: electronic document generation unit 135: electronic document transmission unit

140: interest rate setting processing unit 145: settlement processing unit

150: information storage unit 155: storage medium

160: electronic document server 165: electronic document receiving unit

170: information generating unit 175: electronic document storage unit

180: electronic document D / B 185: customer terminal

The present invention provides a means for checking the total amount of the loan account held by the customer connected to the Internet banking through a non-face-to-face channel, and a user interface for setting an unused amount and period of the total amount for the confirmed loan account And means for receiving unused period information and unused amount information through the provided user interface, and means for calculating loan interest of the customer based on the received unused period and unused amount. It relates to a loan interest processing system used.

The development of information and communication technology and the financial industry are converging, providing opportunities to use various types of financial services.

Among them, the Internet, mobile, TV (Television) and ATM (Automatic Teller Machine), which are widely spread around us, are one of the easily accessible non-face-to-face channels, and the number of customers using financial services is increasing day by day. to be.

For these customers, financial services can be easily used, and if detailed information is provided, customer consultation time can be reduced, so that various financial services can be provided, but financial services provided through non-face-to-face channels are practical. Most of them are used in simple fields such as bank transfer and utility bill payment, so it is necessary to provide financial services through more diversified non-face-to-face channels.

An object of the present invention for solving the above problems is to determine the total amount of the loan account held by the customer connected to the Internet banking through the non-face-to-face channel, and the unused amount of the total amount of the confirmed loan account and Providing a user interface for setting a period, receiving unused period information, unused amount information through the provided user interface, and receiving loan interest of the customer based on the received unused period and unused amount To provide a loan interest processing method using unused loans, including the step of calculating.

The loan interest processing system using unused loans according to the present invention includes a means for checking a total amount of a loan account held by a customer connected to Internet banking through a non-face-to-face channel, and an unused amount of the total amount for the checked loan account. Means for providing a user interface for setting an amount and a period, means for receiving unused period information and unused amount information via the provided user interface, and loaning the customer based on the received unused period and unused amount It comprises a means for calculating the interest.

In addition, a means for confirming whether a portion (or the total amount) of the loan designated as the unused amount is used within the unused period requested by the user, and as a result, a portion (or the total amount) of the unused amount within the set unused period is used. In this case, the method further comprises means for converting the loan interest of the customer calculated based on the unused period and the unused amount into the loan interest before the unused period and the unused amount.

The present invention includes a computer-readable recording medium characterized by recording a program for realizing a loan interest processing system using the unused loan mentioned above.

Loan interest processing method using an unused loan in accordance with the present invention, the step of checking the total amount of the loan account held by the customer connected to the Internet banking through a non-face-to-face channel, and the unused of the total amount of the loan account confirmed Providing a user interface for setting an amount and a period, receiving unused period information and unused amount information through the provided user interface, and loaning the customer based on the received unused period and unused amount It is characterized by comprising the step of calculating the interest.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. 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 the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

1 is a diagram illustrating a non-face-to-face loan rate adjustment request processing system for providing preferential loan rate by setting an unused amount of total loan account held by a customer connected through a non-face-to-face channel according to an embodiment of the present invention. to be.

In more detail, Figure 1 shows that a predetermined customer preferential loan through setting an unused amount of total loan amount held by a customer connected through the non-face-to-face channel through a loan interest rate adjustment request processing system through a predetermined loan rate adjustment request interface. When providing loan interest rate adjustment request information including at least one of customer information, loan account information, unused amount information, and unused period information for providing interest rates, the loan rate adjustment request processing system includes the provided loan interest rate adjustment request information. Generates a predetermined loan interest rate adjustment request electronic document and stores it in a predetermined electronic document repository, and processes the customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information. As a system configuration for storing in the storage medium 155 of the As it is for a method embodiment which is provided on the external system associated with the interest rate adjustment request processing system of the electronic document repository through a predetermined communication means.

Those skilled in the art to which the present invention pertains provide a preferential loan rate by setting an unused amount of the total amount of loan accounts held by a customer connected through a non-face-to-face channel by referring to and / or modifying the drawing 1. Various implementation methods for the loan interest rate adjustment request processing system configuration can be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing to infer an implementation method provided in a DBMS in which the electronic document repository is located in the loan interest rate adjustment request processing system. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Further, according to the implementation method shown in FIG. 1, the loan interest rate adjustment request electronic document is illustrated as being generated on the server side on the loan rate adjustment request processing system, but the present invention is not limited thereto. The loan rate adjustment request electronic document may be generated at the terminal side that inputs (or selects) the loan rate adjustment request information and transmits the information (eg, the electronic document generation function provided at the server side is provided at the terminal side). Generating a loan interest rate adjustment request electronic document), whereby the present invention is not limited.

Hereinafter, the loan rate adjustment request information is provided from the customer through a predetermined loan rate adjustment request interface on the loan rate adjustment request processing system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for storing in the document storage and storing the loan interest rate adjustment request information in a predetermined storage medium 155 is referred to as "loan rate adjustment request processing server 100" for convenience. It is called.

Referring to FIG. 1 according to an embodiment of the present invention, a loan interest rate adjustment request processing system for providing preferential loan interest rate by setting an unused amount of loan account total value held by a customer connected through the non-face-to-face channel is a customer. And a client terminal 185 including at least one client terminal including at least one wired terminal and / or a wireless terminal to be used. The client terminal 185 includes a predetermined network means. A communication channel is connected to the loan rate adjustment request processing server 100 provided on the loan rate adjustment request processing system.

According to an exemplary embodiment of the present invention, the customer may request the loan rate adjustment request processing server 100 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. For the purpose of providing preferential loan interest rate by setting an unused amount of total loan amount held by the customer connected through the non-facing channel through at least one user interface provided by the loan interest rate adjustment request processing server 100. When the loan interest rate adjustment request information is input (or selected), it is preferable that the client terminal transmits the loan interest rate adjustment request processing server 100 provided on the loan rate adjustment request processing 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 communication control network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or User Datagram Protocol / Internet Protocol (UDP / IP), and the TCP / IP or Desktop computer and / or notebook connected to a UDP / IP based communication network, or a home appliance terminal connected to the TCP / IP or UDP / IP based communication network (eg, refrigerator, set-top box, etc.) ), Or at least one kiosk connected to a TCP / IP or UDP / IP based communication network.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

Also, the loan rate adjustment request processing server 100 connected with the client terminal may be selected from among an Internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. Either one and / or a separate web server for the loan interest rate adjustment request is preferably made.

The network means for connecting the client terminal and the loan rate adjustment request processing server 100 may be a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16 depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the x-based portable Internet and / or IEEE 802.11x-based wireless LAN, and / or 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 or more user interfaces provided by the loan rate adjustment request processing server 100, and inputs and / or selects at least one or more information through the user interface to process the loan rate adjustment request. A function configuration (for example, a browser program and a communication function or a predetermined communication program and a communication function to communicate with the loan interest rate adjustment request processing server 100, etc.) for transmitting to the server 100 is preferably 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 and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the loan rate adjustment request processing system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and connecting the client terminal and the loan rate adjustment request processing server 100 At least one wired and / or wireless communication network may be configured to register loan interest rate adjustment request information for providing preferential loan interest rate by setting an unused amount of total loan accounts held by a customer accessed through the non-face-to-face channel. Functions as a loan interest rate adjustment request interface.

According to another exemplary embodiment of the present invention, the customer terminal 185 may, in addition to the client terminal, have an automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser ( It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the loan interest rate adjustment request processing system as described above, when the customer terminal 185 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the loan are made. The financial network connecting the interest rate adjustment request processing server 100 may provide loan interest rate adjustment request information for providing preferential loan interest rate by setting an unused amount among the total loan amount held by the customer accessed through the non-face-to-face channel. Performs a function of a loan interest rate adjustment request interface for registering, and / or when the customer terminal 185 is the call terminal (not shown), and the call terminal (not shown) and the call terminal (not shown). The wired telephone network and / or the wireless telephone network connecting the loan rate adjustment request processing server 100 may be a loan system held by a customer connected through the non-face-to-face channel. Performs a function of a loan interest rate adjustment request interface for registering loan interest rate adjustment request information for providing preferential loan rate through setting an unused amount of the total amount, and / or the client terminal 185 is affiliated with the financial institution. In the case of a terminal (and / or server) (not shown) provided in an institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the loan rate adjustment request processing The network connecting the server 100 is a loan rate for registering loan interest rate adjustment request information for providing preferential loan rate by setting an unused amount of total loan account held by a customer accessed through the non-face-to-face channel. Performs the function of the mediation request interface.

The storage medium 155 provided on the loan rate adjustment request processing system according to the present invention includes the customer information, loan account information, and unused amount information included in the loan rate adjustment request information provided from the customer terminal 185. In addition, the unused period information is stored in a predetermined storage medium 155 by linkage processing.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, etc., provided in a customer ledger provided on the financial system associated with the loan interest rate adjustment request processing system in response to the customer. It is preferable to comprise.

The loan account information is an account number and account alias for a loan account to be provided with preferential loan interest rate by setting an unused amount of the total amount of the loan account held by the customer connected through a non-face-to-face channel among the one or more loan products held by the customer. It is preferable to include one or more.

Preferably, the unused amount information includes unused amount information to receive loan interest reduction for an unused amount among total amounts of one or more loan accounts held by the customer.

Preferably, the unused period information includes information on a period of expiration date or period in which the unused amount of one or more loaned accounts held by the customer is to be unused.

For example, if the total amount of the loan account held by the customer is 10 million won, and the unused amount is set to 5 million won for 3 months, the loan interest for 5 million won out of the 10 million won is paid for 3 months, and the other period is 10 million won. It is desirable to pay interest on the loan.

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the loan rate adjustment request processing system (or associated with the loan rate adjustment request processing system), In this case, the storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 155 is provided on (or associated with) the loan rate adjustment request processing system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The loan rate adjustment request processing server 100 provided on the loan rate adjustment request processing system according to the present invention is the loan rate adjustment request processing system side component connected to the customer terminal 185 through a predetermined network means. Collectively, may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), whereby the present invention This is not limited.

According to an embodiment of the present invention, when the customer terminal 185 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the loan rate adjustment request processing server ( 100 is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or predetermined external access to the external system of the financial system through the Internet banking system. A server (or device) of a server, a program included in the server (or device), and / or an external system on the financial system accessible through the Internet banking server (and / or the server (or device)). Server (or device), and / or a program provided to the outside world on the financial system. The invention is not limited.

According to another embodiment of the present invention, when the customer terminal 185 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the loan rate adjustment request processing server 100 is A predetermined server provided on the wireless banking system, and / or a program provided on the wireless banking server, and / or a predetermined server accessible to the external system of the financial system through the wireless banking system ( Or a device provided in the external system on the financial system which is a program provided in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or a device), and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the customer terminal 185 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the loan rate adjustment request processing server 100 may be configured as described above. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided on a telebanking system, and / or a program included in the telebanking server, and / or the financial system through the telebanking system Any server (or device) accessible to the outside world of the program, a program included in the server (or device), and / or the accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal 185 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the loan rate adjustment request processing server 100 Is a predetermined TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system through the TV banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the TV banking server (and / or the server (or device)). (Or a device), and / or a program included in the external world on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the loan rate adjustment request processing server 100 connects and manages a predetermined communication channel with the customer terminal 185 through the network means (105) (or interface means). It characterized by comprising a.

According to an embodiment of the present invention, when the customer terminal 185 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 may be configured as described above. At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in a wired network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

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 communicates with the client terminal based on the TCP / IP or UDP / IP protocol. And a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the loan rate adjustment request processing server 100, the interface unit 105 may use the TCP / IP or UDP / IP protocol. It connects the communication channel with the client terminal on the basis, and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 185 is a financial automation device connected to a predetermined financial network, the interface unit 105 is based on the financial stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving 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 exemplary embodiment of the present invention, when the customer terminal 185 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the loan rate adjustment request processing server 100, the interface unit 105 may be configured based on the CDMA protocol. It connects a communication channel with a client terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 185 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 105 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the customer terminal 185 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 105 may include a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 1, the loan rate adjustment request processing server 100 connects a predetermined communication channel with a predetermined customer terminal 185 to the loan rate adjustment request processing server 100 through the interface unit 105. In one case, the customer terminal 185 inputs (or selects) predetermined loan interest rate adjustment request information to provide a preferential loan rate by setting an unused amount among the total loan accounts held by the customer connected through the non-face-to-face channel. Generating (or extracting) at least one user interface for transmitting to the loan rate adjustment request processing server 100, and generating the generated (or extracting) user interface in association with the interface unit 105. An interface providing unit 110 (or an interface providing unit) provided to 185 and a user interface provided through the interface providing unit 110 are provided. The information confirmation unit 120 (or information confirmation means) for confirming the total amount of the loan account held by the customer to be input, and the loan rate adjustment request information is input (or selected) through the user interface at the customer terminal 185. And the information receiving unit 115 (or information receiving means) for receiving the loan interest rate adjustment request information transmitted from the customer terminal 185 in connection with the interface unit 105. .

The interface provider 110 connects a predetermined communication channel with the loan rate adjustment request processing server 100 through the interface unit 105, and then the loan rate adjustment request processing server. When requesting a user interface for providing a preferential loan rate by setting an unused amount of the total loan account held by the customer connected through the non-face-to-face channel (100), the customer terminal 185 requests a predetermined loan interest rate adjustment. Generate at least one user interface for inputting (or selecting) information and transmitting it to the loan rate adjustment request processing server 100 via the network means, and / or extract from a predetermined database (not shown), The customer terminal 185 via the network means the user interface generated (or extracted) in conjunction with the interface unit 105. And providing a total amount of the loan account held by the customer to be provided through the user interface in connection with the information checking unit 120, and checking the total amount of the checked loan account in the user interface. It is desirable to provide through.

According to an embodiment of the present invention, a user interface for inputting (or selecting) predetermined loan interest rate adjustment request information in the customer terminal 185 may be provided for a loan account held by a customer connected through the customer terminal 185. It is preferable to include the total amount, and if the loan account held by the customer is not confirmed (or the remaining limit on the loan account held by the customer is not confirmed), the user interface is preferably not provided. .

According to an embodiment of the present invention, when the customer terminal 185 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by 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 customer terminal 185 is a financial automation device connected to a predetermined financial network, the interface providing unit 110 provides a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine via the interface unit 105.

According to another exemplary embodiment of the present invention, when the customer terminal 185 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the 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 customer terminal 185 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 110 may include the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS based user interface) through the interface unit 105 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the customer terminal 185 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 110 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 105.

According to another embodiment of the present invention, at least one of inputting (or selecting) predetermined loan interest rate adjustment request information to the customer terminal 185 and transmitting it to the loan rate adjustment request processing server 100 through the network means. When a predetermined loan interest rate adjustment request program having the above user interface is provided, the predetermined loan interest rate adjustment request information is input (or selected) as described above and transmitted to the loan rate adjustment request processing server 100. The interface providing unit 110 for generating (or extracting) a user interface and providing the user interface 185 may be omitted, and the present invention is not limited thereto.

Thereafter, the customer terminal 185 inputs (or selects) loan interest rate adjustment request information including at least one of the customer information, the loan account information, the unused amount information, and the unused period information through the user interface. (Or selected) the loan interest rate adjustment request information is transmitted to the loan rate adjustment request processing server 100 through the network means, and correspondingly, the information receiving unit 115 is connected with the interface unit 105 to transmit the loan rate adjustment request information. And receiving the loan interest rate adjustment request information transmitted from the customer terminal 185.

According to an embodiment of the present invention, the customer terminal 185 may include the loan rate adjustment request processing server in the loan interest rate adjustment request information including at least one of the customer information, loan account information, unused amount information, and unused period information. At least one or more OTP code generated through a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for verifying the validity of the loan interest rate adjustment request information in 100) It is preferable to transmit to the loan rate adjustment request processing server 100 through the network means.

According to an embodiment of the present invention, the customer terminal 185 may include at least one encryption method (eg, at least one loan rate adjustment request information including at least one of the customer information, loan account information, unused amount information, and unused period information). Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, and / or the like. It is preferable to attach the electronic signature to the loan rate adjustment request processing server 100 through the network means, and for this purpose, the client terminal 185 has at least one encryption key corresponding to the encryption method. And / or have a predetermined certificate containing at least one encryption key, and / or That a certificate is provided is the case, the card to verify the certificate provided in the IC chip (or IC card) reader provided in a predetermined IC chip (or IC card) is preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the loan interest rate adjustment request information, and technical features of attaching a predetermined electronic signature to the loan interest rate adjustment request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 1, when the loan rate adjustment request processing server 100 receives the loan rate adjustment request information transmitted from the customer terminal 185 through the information receiver 115, the loan rate adjustment request is received. Characterized in that the request information is provided with a validity check unit 125 for checking whether the validity for providing the preferential loan rate through the unused amount of the total amount of the loan account held by the customer connected through the non-face-to-face channel .

According to an embodiment of the present invention, the loan interest rate adjustment request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption method, the validity confirming unit 125 converts the encrypted loan interest rate adjustment request information into at least one decryption method (eg, a symmetric key based decryption method) corresponding to the encryption method. And / or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc., to validate the received loan interest rate adjustment request information.

Alternatively, when a predetermined electronic signature is attached to the loan interest rate adjustment request information, the validity verification unit 125 checks the electronic signature attached to the loan interest rate adjustment request information, thereby receiving the loan interest rate adjustment request information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention pertains check the technical characteristics of the various decryption schemes for decrypting the encrypted loan rate adjustment request information and the electronic signature attached to the loan rate adjustment request information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the loan rate adjustment request information received through the information receiving unit 115 further includes a predetermined password for confirming the validity of the loan rate adjustment request information, the validity checking unit The 125 may be configured to verify validity of the received loan interest rate adjustment request information by comparing and authenticating a password included in the loan rate adjustment request information with a password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the loan rate adjustment request information received through the information receiving unit 115 further includes predetermined security card information for confirming the validity of the loan rate adjustment request information, the validity confirming unit 125 Compares and authenticates the security card information included in the loan interest rate adjustment request information with the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received loan interest rate adjustment request information. desirable.

Alternatively, when the loan rate adjustment request information received through the information receiving unit 115 further includes a predetermined OTP code for confirming the validity of the loan rate adjustment request information, the validity confirming unit 125 Compares and authenticates the received OTP code included in the loan interest rate adjustment request information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, thereby receiving the received interest rate adjustment request. It is desirable to authenticate the validity of the information.

According to an embodiment of the present invention, the validity check of the loan interest rate adjustment request information may include at least one ledger matching the loan interest rate adjustment request information to the ledger D / B on the financial system associated with the loan rate adjustment request processing system. It is preferable to include checking whether the information is registered.

For example, the validity confirming unit 125 may include, among the information included in the loan interest rate adjustment request information, the customer information (customer information, member information, etc.) of the ledger on the financial system associated with the loan rate adjustment request processing system. It is preferable to include a check that matches the customer ledger stored in the D / B.

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Referring to FIG. 1, when the loan rate adjustment request processing server 100 is authenticated through the validity verification unit 125, the validity of the loan rate adjustment request information is authenticated, the loan interest rate adjustment request information is received. It is characterized in that the interest rate setting processing unit 140 (or interest rate setting processing means) for adjusting the loan interest for the unused amount of the total amount of the loan account held by the customer is not paid or discounted.

According to the implementation method of the present invention, the discount (or preferential) loan interest rate for the loan corresponding to the loan interest rate adjustment request information, the interest on the remaining loan amount excluding the unused amount of the total loan account held by the customer It is preferable to process so that payment is made.

According to another embodiment of the present invention, providing a discount (or preferential) loan interest rate on a loan corresponding to the loan interest rate adjustment request information includes: a loan interest discounted on an unused amount of the total amount of loan accounts held by the customer; It is advisable to process normal loan interest (or discounted interest) on payments other than unused amounts.

Referring to FIG. 1, the loan rate adjustment request processing server 100 sets an unused amount for the total amount of the loan account held by the customer provided through the interest rate setting processor 140, and the unused amount is used before the unused period. The information checking unit 120 (or the information checking means) for checking whether or not the unused amount set by the customer is used (or the total amount) as a result of the check, and correspondingly to the unused amount provided to the customer. It is characterized by comprising a settlement processing unit 145 (or settlement processing means) for the settlement processing for.

The information checking unit 120 checks whether or not the unused amount is used within the unused period in accordance with the provision of the preferential rate service for the unused amount provided through the rate setting processing unit 140.

According to the method of the present invention, whether the portion (or the total amount) of the unused amount of the total loan amount held by the customer is withdrawn is determined whether more than the remaining amount except the unused amount among the total amount of the loan account is used. It is desirable to confirm.

When the settlement processing unit 145 withdraws a portion (or the total amount) of the unused amount from the total amount of the loan account held by the customer through the information verification unit 120, the settlement processing unit 145 responds to the unused amount provided to the customer in response thereto. It is characterized in that the settlement of preferential loan rate.

According to the method of the present invention, after a portion (or the total amount) of the unused amount of the total amount of the loan account held by the customer is withdrawn, the preferential loan rate settlement processing is paid according to the preferential loan rate provided to the customer. It is advisable to process the loan interest at a later date.

In addition, after a portion (or the total amount) of the unused amount of the total amount of the loan account held by the customer is withdrawn, it is preferable to adjust the preferential loan rate for the unused amount previously provided to the loan rate previously provided.

Referring to FIG. 1, when the loan rate adjustment request processing server 100 is authenticated through the validity checking unit 125, the loan rate adjustment request information includes the received loan rate adjustment request information. An electronic document storage unit 130 (or an electronic document generating means) for generating a predetermined loan interest rate adjustment request electronic document, and the electronic document repository associated with the loan interest rate adjustment request processing system for the generated loan interest rate adjustment request electronic document. It characterized in that it comprises an electronic document transmission unit 135 (or electronic document transmission means) for transmitting to.

The electronic document generating unit 130 generates a loan rate adjustment request electronic document including the loan rate adjustment request information received from the customer terminal 185 through the information receiving unit 115.

According to the exemplary embodiment of the present invention, the electronic document generation unit 130 includes customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information received through the information receiver 115. Generating at least one document content including at least one document file, and including at least one document file (eg, a Portable Document Format (PDF) file, an EDI file, or an HWP / DOC file) including the document content. A word processing file, or a web document file including an MHT), as an electronic document for requesting a loan interest rate adjustment to provide preferential loan interest rate by setting an unused amount of the total amount of the loan account held by the customer connected through the non-face-to-face channel. It is preferable to process.

Alternatively, the electronic document generation unit 130 may include at least one document including customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information received through the information receiving unit 115. After generating content, and including at least one or more information of the customer information, loan account information, unused amount information, unused period information included in the loan interest rate adjustment request information in the document content in a watermarking (Watermarking) method, Document files containing document content including markings (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or MHT) Web document files, etc.) through the non-face-to-face channel, by setting an unused amount out of the total amount of loan accounts held by the customer. For loans it is preferable for processing the loan interest rate adjustments requested electronic documents for the interest rate offered.

Alternatively, the electronic document generation unit 130 may include at least one document including customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information received through the information receiving unit 115. Loan held by a customer accessing an image file including contents generated by capturing the document content (eg, image content generated by capturing the document content on a memory) through the non-facing channel. It is preferable to process the loan rate adjustment request electronic document to provide preferential loan rate by setting an unused amount out of the total amount of the account.

Alternatively, the electronic document generation unit 130 may include at least one document including customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information received through the information receiving unit 115. Customer information, loan account information, and unused information included in the loan interest rate adjustment request information are generated in the image content (e.g., the image content generated by capturing the document content on a memory). After including at least one or more of the amount information, unused period information in a watermarking method, the total number of loan accounts held by the customer accessing an image file including the image content including the watermarking through the non-facing channel Request for adjustment of loan rate to provide preferential loan rate by setting unused amount of money It is preferable to.

According to another exemplary embodiment of the present invention, the electronic document generation unit 130 includes customer information, loan account information, unused amount information, and unused period included in the loan interest rate adjustment request information received through the information receiving unit 115. A predetermined document file (eg, generating document content including at least one or more information) and including image content (eg, image content generated by capturing the document content on a memory). Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT; Before requesting loan interest rate adjustment to provide preferential loan interest rate by setting unused amount among total amount of loan accounts held by customers connected through It is preferred to process the document.

Alternatively, the electronic document generation unit 130 may include at least one document including customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information received through the information receiving unit 115. Customer information, loan account information, and unused information included in the loan interest rate adjustment request information are generated in the image content (e.g., the image content generated by capturing the document content on a memory). A document file (eg, a Portable Document Format (PDF) file) generating image content including at least one or more of the amount of money information and unused period information by a watermarking method, and including the image content including the watermarking. , Or a word processor wave including at least one EDI (Electronic Data Interchange) file, or at least one HWP / DOC. , Or a web document file including MHT), and process the loan interest rate adjustment request electronic document to provide preferential loan interest rate by setting an unused amount among the total amount of loan accounts held by the customer connected through the non-face-to-face channel. It is desirable to.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 includes customer information, loan account information, unused amount information, and unused information included in the loan interest rate adjustment request information received through the information receiving unit 115. Generate document content including at least one piece of period information, and include image content (eg, image content generated by capturing the document content on a memory) and the loan interest rate adjustment request information. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By creating a preferential loan rate by setting an unused amount of the total loan account held by the customer connected through the non-face-to-face channel Be treated as interest rate adjustments requested electronic documents for the balls are preferred.

Alternatively, the electronic document generation unit 130 may include at least one document including customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information received through the information receiving unit 115. The customer information and the loan account information included in the loan interest rate adjustment request information in the image content generated by the content and captured the document content (for example, the image content generated by capturing the document content on a memory). A document file including at least one of unused amount information and unused period information in a watermarking manner, the image file including the watermarking information and the loan rate adjustment request information; For example, at least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC. Loan rate for providing preferential loan rate by setting unused amount among total amount of loan accounts held by customers connected through the non-face-to-face channel by generating word processor file or web document file including MHT) It is preferable to process the request electronic document.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 130 and the technical features to generate a loan rate adjustment request electronic document of the image file format and / or a predetermined document file format, and Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the loan rate adjustment request electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 135 transmits and stores the loan rate adjustment request electronic document generated by the electronic document generation unit 130 to a predetermined electronic document repository associated with the loan rate adjustment request processing system. It features.

As shown in FIG. 1, the electronic document repository is an electronic document and a predetermined electronic document server 160 linked to the loan rate adjustment request processing server 100 on the loan rate adjustment request processing system through predetermined communication means. When provided to the outside including the D / B 180, the electronic document transmission unit 135 is the loan rate adjustment request electronic document generated by the electronic document generation unit 130 through the communication means Characterized in that the transmission to the electronic document server (160).

Here, when the electronic document server 160 and the electronic document D / B 180 is provided outside the loan rate adjustment request processing system, the electronic document server 160 and the electronic document D / B (180) ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the loan rate adjustment request processing system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. The loan interest rate adjustment request electronic document may be stored in the electronic document D / B 180 corresponding to the electronic document storage on the DBMS provided in the loan rate adjustment request processing system, and thus the present invention is not limited thereto. .

According to the exemplary embodiment of the present invention, the electronic document transmission unit 135 transmits electronic document related information (eg, the loan rate adjustment request information) for generating predetermined electronic document management information in the electronic document server 160. Customer information transmitted by input (selection), and / or financial institution information transmitting the loan rate adjustment request electronic document, and / or electronic document file format information, and / or the loan rate adjustment request information, etc.). It is possible to transmit to the electronic document storage, thereby the present invention is not limited.

Referring to FIG. 1, the loan rate adjustment request processing server 100 accesses the loan rate adjustment request information received through the information receiving unit 115 through the non-facing channel through the validity checking unit 125. If the validity for providing the preferential loan rate through the setting of the unused amount of the total loan amount held by the customer is authenticated, the customer information, loan account information, unused amount information, and unused information included in the validated loan rate adjustment request information And an information storage unit 150 (or information storage means) for linking the period information and storing the predetermined period in the predetermined storage medium 155.

When the validity of the loan rate adjustment request information is confirmed by the validity confirmation unit 125, the information storage unit 150 includes the customer information, loan account information, unused amount information, included in the loan rate adjustment request information, Characterized in that the unused period information is stored in the storage medium 155, the storage medium 155 is provided in the loan rate adjustment request processing server 100, or the loan rate adjustment request processing server ( When provided on the network associated with 100), the information storage unit 150 processes the customer information, loan account information, unused amount information, unused period information included in the received loan interest rate adjustment request information Preferably, the storage medium 155 is stored in the storage medium 155. When the storage medium 155 is provided in a DBMS provided on a financial system, the information storage unit 150 receives the received loan. Customer information, loan account information, unused amount information, unused period information included in the reconciliation request information is preferably provided to the information system through the external system on the financial system and stored in the DBMS provided on the financial system.

Referring to FIG. 1, a predetermined loan rate adjustment request electronic document is received from the loan rate adjustment request processing server 100 provided on the loan rate adjustment request processing system, and is provided to a predetermined electronic document D / B 180. The electronic document server 160 storing and managing the electronic document receiving unit 165 (or electronic document) receives a predetermined loan rate adjustment request electronic document from the loan rate adjustment request processing server 100 through a predetermined communication means. Receiving means) and an information generating unit 170 (or information generating means) for generating predetermined electronic document management information for storing and managing the received loan interest rate adjustment request electronic document in the electronic document D / B 180. And an electronic document storage unit 175 (or electronic document storage means) for linking the electronic document management information and the loan rate adjustment request electronic document and storing the electronic document management information in a predetermined electronic document D / B 180. Iru It is characterized by falling.

The electronic document receiving unit 165 may receive an advice before the loan rate adjustment request in the form of an image file and / or a document file from the loan rate adjustment request processing server 100 through the communication means.

According to an embodiment of the present invention, the loan rate adjustment request electronic document received by the electronic document receiving unit 165 through the communication means is received by the loan rate adjustment request processing server 100 from the customer terminal 185. A document file (eg, a Portable Document Format (PDF) file, or an EDI file) including document content including at least one of customer information, loan account information, unused amount information, and unused period information included in a loan interest rate adjustment request information. Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the loan rate adjustment request electronic document received by the electronic document receiving unit 165 through the communication means is based on the loan rate adjustment request information received by the loan rate adjustment request processing server 100 from the customer terminal 185. At least one of customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information in document content including at least one of included customer information, loan account information, unused amount information, and unused period information. After including one or more pieces of information in a watermarking manner, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing document content including the watermarking. A word processor file including at least one DOC, or a web document file including an MHT). This is preferred.

Alternatively, the loan rate adjustment request electronic document received by the electronic document receiving unit 165 through the communication means is based on the loan rate adjustment request information received by the loan rate adjustment request processing server 100 from the customer terminal 185. Image content captured (eg, image content generated by capturing the document content on a memory) including document content including at least one or more included customer information, loan account information, unused amount information, and unused period information. It is preferable to include an image file.

Alternatively, the loan rate adjustment request electronic document received by the electronic document receiving unit 165 through the communication means is based on the loan rate adjustment request information received by the loan rate adjustment request processing server 100 from the customer terminal 185. The image content (for example, image content generated by capturing the document content on the memory) captured by the document content including at least one or more included customer information, loan account information, unused amount information, and unused period information. After including at least one or more information of the customer information, loan account information, unused amount information, unused period information included in the loan interest rate adjustment request information by a watermarking method, the image including the image content including the watermarking It is preferable to include a file.

According to another embodiment of the present invention, the loan rate adjustment request electronic document received by the electronic document receiving unit 165 through the communication means is the loan rate adjustment request processing server 100 from the customer terminal 185 Image content (e.g., capturing the document content on the memory) which captures document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan interest rate adjustment request information. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including an image content generated by It is preferable that the web document file including a).

Alternatively, the loan rate adjustment request electronic document received by the electronic document receiving unit 165 through the communication means is based on the loan rate adjustment request information received by the loan rate adjustment request processing server 100 from the customer terminal 185. The image content (for example, image content generated by capturing the document content on the memory) captured by the document content including at least one or more included customer information, loan account information, unused amount information, and unused period information. Generate image content including at least one or more of the customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information by a watermarking method, and the image including the watermarking. Document files containing content (e.g., Portable Document Format (PDF) files, or Electronic Data Interchan) ge) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the loan rate adjustment request electronic document received by the electronic document receiving unit 165 through the communication means, the loan rate adjustment request processing server 100 is the customer terminal 185 Image content capturing document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information received from the user (for example, the document content on the memory). At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) including the captured image content) and the loan interest rate adjustment request information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the loan rate adjustment request electronic document received by the electronic document receiving unit 165 through the communication means is based on the loan rate adjustment request information received by the loan rate adjustment request processing server 100 from the customer terminal 185. To image content (eg, image content generated by capturing the document content in memory) that captures document content including at least one of customer information, loan account information, unused amount information, and unused period information. Generate image content including at least one or more of the customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information by a watermarking method, wherein the watermarking is included. A document file (eg, Portable Document Format) containing image content and the loan interest rate adjustment request information. It comprises a day, or (Electronic Data Interchange) EDI file, or web document file containing a word processor comprising at least one of HWP / DOC, such as files, or the like MHT) is preferred.

The information generating unit 170 is a predetermined electronic document unique number (or unique information) to be assigned to the loan rate adjustment request electronic document received through the electronic document receiving unit 165, and through the electronic document receiving unit 165 And generating electronic document management information including electronic document storage date and time information including a date and time at which the loan rate adjustment request electronic document was received (or a date and time at which the loan rate adjustment request electronic document was stored). .

According to the exemplary embodiment of the present invention, the information generating unit 170 refers to the loan rate adjustment request processing server 100 that transmitted the loan rate adjustment request electronic document received through the electronic document receiving unit 165. It is preferable to check the financial institution that sent the loan rate adjustment request electronic document, and to generate the electronic document management information further comprising the confirmed financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 165 further receives a predetermined electronic document related information from the loan rate adjustment request processing server 100, the information generating unit 170 Customer information transmitted by inputting (selecting) the loan interest rate adjustment request information, and / or financial institution information transmitting the loan rate adjustment request electronic document, and / or an electronic document file. And electronic document management information further including format information, and / or the loan interest rate adjustment request information.

The electronic document storage unit 175 associates a loan rate adjustment request electronic document received through the electronic document receiving unit 165 with electronic document management information generated through the information generating unit 170 to process a predetermined electronic document. It is characterized in that the storage in the D / B (180).

According to the exemplary embodiment of the present invention, the loan rate adjustment request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is the loan rate adjustment request processing server 100 by the customer. A document file (eg, PDF (Portable Document Format) including document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information received from the terminal 185. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

Alternatively, the loan rate adjustment request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be received by the loan rate adjustment request processing server 100 from the customer terminal 185. Customer information, loan account information, and unused amount information included in the loan interest rate adjustment request information in document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the loan rate adjustment request information. A document file (eg, a PDF (Portable Document Format) file or EDI (Electronic Data Interchange) including document content including the watermarking after including at least one or more pieces of unused period information by a watermarking method. File), or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferred.

Alternatively, the loan rate adjustment request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be received by the loan rate adjustment request processing server 100 from the customer terminal 185. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information. Preferably an image file containing one image content).

Alternatively, the loan rate adjustment request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be received by the loan rate adjustment request processing server 100 from the customer terminal 185. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information. One image content) includes at least one or more of the customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information by a watermarking method, and then includes the watermarking. It is preferable to include an image file containing the image content.

According to another embodiment of the present invention, the loan rate adjustment request electronic document stored in the electronic document storage unit 175 in the electronic document D / B 180, the loan rate adjustment request processing server 100 is Image content (e.g., captured) of document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the loan rate adjustment request information received from the customer terminal 185. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content generated by capturing document content on a memory. Word processor files, or web document files containing MHT).

Alternatively, the loan rate adjustment request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be received by the loan rate adjustment request processing server 100 from the customer terminal 185. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information. Generate an image content including at least one of customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information in a watermarking manner; Document files containing image content including watermarking (eg, Portable Document Format (PDF) files, or Electronic Data Intercha) nge) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to another embodiment of the present invention, the loan rate adjustment request electronic document stored in the electronic document storage unit 175 in the electronic document D / B (180) is the loan rate adjustment request processing server 100 Image content (e.g., captured) of document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information received from the customer terminal 185. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing the document content generated by capturing the document content on a memory and the loan interest rate adjustment request information. A word processor file including at least one of / DOC or the like, or a web document file including an MHT).

Alternatively, the loan rate adjustment request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be received by the loan rate adjustment request processing server 100 from the customer terminal 185. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information. Generate an image content including at least one of customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information in a watermarking manner; A document file including image contents including watermarking and the loan interest rate adjustment request information (eg, Portable Document Format (PDF)). File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 180 by the electronic document storage unit 175 in association with the loan rate adjustment request electronic document is stored in the loan rate adjustment. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the request electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 180 by the electronic document storage unit 175 in association with the loan rate adjustment request electronic document is stored in the loan rate. Preferably, the information on the financial institution that transmitted the loan interest rate adjustment request electronic document identified by referring to the loan rate adjustment request processing server 100 that transmits the adjustment request electronic document is preferable.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the loan rate adjustment request processing server 100, the electronic document storage unit 175 may be connected to the loan rate adjustment request electronic document. The electronic document management information stored in the electronic document D / B 180 in association with each other may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the loan interest rate adjustment request information), and / Or financial institution information for transmitting the loan interest rate adjustment request electronic document, and / or electronic document file format information, and / or the loan rate adjustment request information.

2 is a ledger provided in a DBMS on a financial system in a non-face-to-face manner to provide preferential loan interest rates by setting unused amounts of total loan accounts held by customers connected through a non-face-to-face channel according to an embodiment of the present invention. A diagram illustrating a configuration of loan interest rate adjustment request information stored in / B 200.

In more detail, FIG. 2 shows the ledger information provided in the ledger D / B 200 when the storage medium 155 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. An information structure for an implementation method in which loan interest rate adjustment request information including the customer information, loan account information, unused amount information, and unused period information is stored is shown, and has a general knowledge in the technical field to which the present invention pertains. If it grows up, it will be possible to infer various information construction methods for storing the loan interest rate adjustment request information in the ledger D / B (200) by referring to and / or modifying this figure 2, the present invention is all inferred implementation It includes a method, and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 200 includes at least one ledger (eg, a ledger, mortgage ledger, ..., etc.) and / or for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information is included, and the specific technical matters therefor will be understood. Omit.

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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

2, the loan rate adjustment request information provided through the loan rate adjustment request processing system shown in FIG. 1 is stored in the form of additional information added to the account ledger, and the loan rate adjustment request information Is characterized in that it comprises at least one or more customer information, loan account information, unused amount information, unused period information.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, etc., provided in a customer ledger provided on the financial system associated with the loan interest rate adjustment request processing system in response to the customer. It is preferable to comprise.

The loan account information is an account number and account alias for a loan account to be provided with preferential loan interest rate by setting an unused amount of the total amount of the loan account held by the customer connected through a non-face-to-face channel among the one or more loan products held by the customer. It is preferable to include one or more.

Preferably, the unused amount information includes unused amount information to receive loan interest reduction for an unused amount among total amounts of one or more loan accounts held by the customer.

Preferably, the unused period information includes information on a period of expiration date or period in which the unused amount of one or more loaned accounts held by the customer is to be unused.

For example, if the total amount of the loan account held by the customer is 10 million won, and the unused amount is set to 5 million won for 3 months, the loan interest for 5 million won out of the 10 million won is paid for 3 months, and the other period is 10 million won. It is desirable to pay interest on the loan.

According to another exemplary embodiment of the present invention, the loan interest rate adjustment request information may be stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (eg, the customer ledger). It is possible to be stored in the form of additional information to be added and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

3 is a ledger provided in a DBMS on a financial system in a non-face-to-face manner in order to provide preferential loan interest rates by setting unused amounts of total loan accounts held by customers connected through non-face-to-face channels according to another embodiment of the present invention. FIG. 1 is a diagram illustrating the configuration of loan interest rate adjustment request information stored in a database associated with the D / B 200.

In more detail, FIG. 3 shows an information structure for an implementation method in which the storage medium 155 shown in FIG. 1 is stored in a predetermined database linked to the ledger D / B 200 provided in a DBMS on a financial system. As shown in the drawings, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 3 and transmit the loan interest rate adjustment request information to a predetermined database with the ledger D / B 200. It will be possible to infer various information construction methods for storing by linking, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates that it is not easy to store the loan interest rate adjustment request information in the ledger information of the ledger D / B 200 on the DBMS provided on the financial system (for example, in the policy of a financial institution, If it is not easy to change the ledger D / B 200 or if the system expansion is not easy due to the characteristics of the financial system), the loan interest rate adjustment request information may be transferred to a predetermined database instead of the ledger D / B 200. And an implementation method of storing the database in association with the ledger D / B 200.

In addition, the database shown in FIG. 3 need not be provided on a DBMS provided on a financial system as in the embodiment method shown in FIG. 3, and the database on the Internet banking system according to the intention of those skilled in the art, and / Or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 3, the database stores and stores the customer information, loan account information, unused amount information, and unused period information included in the loan rate adjustment request information, and the loan rate adjustment request information is stored. Preferably, the loan rate adjustment request information further includes a CIF number corresponding to the ledger information to be linked to the ledger D / B 200.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, etc., provided in a customer ledger provided on the financial system associated with the loan interest rate adjustment request processing system in response to the customer. It is preferable to comprise.

The loan account information is an account number and account alias for a loan account to be provided with preferential loan interest rate by setting an unused amount of the total amount of the loan account held by the customer connected through a non-face-to-face channel among the one or more loan products held by the customer. It is preferable to include one or more.

Preferably, the unused amount information includes unused amount information to receive loan interest reduction for an unused amount among total amounts of one or more loan accounts held by the customer.

Preferably, the unused period information includes information on a period of expiration date or period in which the unused amount of one or more loaned accounts held by the customer is to be unused.

For example, if the total amount of the loan account held by the customer is 10 million won, and the unused amount is set to 5 million won for 3 months, the loan interest for 5 million won out of the 10 million won is paid for 3 months, and the other period is 10 million won. It is desirable to pay interest on the loan.

4 is a DBMS provided in a banking server in a non-face-to-face manner to provide preferential loan interest rate by setting an unused amount of total loan account held by a customer connected through a non-face-to-face channel according to another embodiment of the present invention. FIG. 9 is a diagram illustrating a structure of stored loan interest rate adjustment request information. FIG.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 155 shown in FIG. 1 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 It is possible to infer a method of constructing information on loan interest rate adjustment request information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, the predetermined DBMS provided in the banking server stores and stores the customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information. .

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, etc., provided in a customer ledger provided on the financial system associated with the loan interest rate adjustment request processing system in response to the customer. It is preferable to comprise.

The loan account information is an account number and account alias for a loan account to be provided with preferential loan interest rate by setting an unused amount of the total amount of the loan account held by the customer connected through a non-face-to-face channel among the one or more loan products held by the customer. It is preferable to include one or more.

Preferably, the unused amount information includes unused amount information to receive loan interest reduction for an unused amount among total amounts of one or more loan accounts held by the customer.

Preferably, the unused period information includes information on a period of expiration date or period in which the unused amount of one or more loaned accounts held by the customer is to be unused.

For example, if the total amount of the loan account held by the customer is 10 million won, and the unused amount is set to 5 million won for 3 months, the loan interest for 5 million won out of the 10 million won is paid for 3 months, and the other period is 10 million won. It is desirable to pay interest on the loan.

5A and 5B illustrate loan interest rate adjustment request information in a non-face-to-face manner in order to provide preferential loan rate by setting an unused amount of total loan account held by a customer connected through a non-face-to-face channel according to an exemplary embodiment of the present invention. A diagram illustrating a registration process.

In more detail, FIGS. 5A and 5B show that the client terminal 185 on the loan rate adjustment request processing system shown in FIG. 1 is a client terminal, and the loan rate adjustment request processing server 100 is connected through a predetermined network means. In the case where the client terminal has a web server function to which the client terminal is accessible, the client terminal may be provided to provide a preferential loan rate by setting an unused amount of the total loan amount held by the client connected through the non-face-to-face channel. When the loan interest rate adjustment request information including at least one or more of customer information, loan account information, unused amount information, and unused period information is provided, the loan rate adjustment request processing system includes a predetermined amount of the loan interest rate adjustment request information. Create a loan interest rate adjustment request electronic document and store it in a predetermined electronic document repository, An embodiment of the present invention relates to an implementation method of linking and processing the customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information in a predetermined storage medium 155. For those skilled in the art, various implementation methods of registering the loan interest rate adjustment request information from the client terminal to the loan rate adjustment request processing server 100 by referring to and / or modifying the drawings 5a and 5b are provided. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 5A and 5B.

For example, in the implementation method illustrated in FIGS. 5A and 5B, the loan rate adjustment request processing server 100 provides a user interface through which the client terminal inputs (or selects) the loan rate adjustment request information. Although illustrated as being provided through a page, when a predetermined loan rate adjustment request program is provided in the client terminal, the user interface may not be provided from the loan rate adjustment request processing server 100, whereby The present invention is not limited.

5A and 5B, the client terminal shown in FIG. 1 is referred to as a " terminal " for convenience, and the loan rate adjustment request processing server 100 shown in FIG. 1 is referred to as a " server " The customer information, loan account information, unused amount information, and unused period information transmitted from the client terminal to the loan rate adjustment request processing server 100 are referred to as "loan rate adjustment request information" for convenience.

Referring to FIGS. 5A and 5B, the client terminal shown in FIG. 1 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP or UDP / IP based wired communication network, and the client terminal is wireless In case of a terminal, a predetermined communication channel is connected by accessing the server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN. And requesting a web page (500) including a user interface for providing preferential loan interest rate by setting an unused amount of total loan account held by a customer connected through the non-face-to-face channel (500). To input (or select) loan interest rate adjustment request information including at least one of customer information, loan account information, unused amount information, and unused period information. Check the total amount of the loan account and the customer has to be provided with the user interface 502.

According to an embodiment of the present invention, a user interface for inputting (or selecting) predetermined loan interest rate adjustment request information in the customer terminal 185 may be provided for a loan account held by a customer connected through the customer terminal 185. It is preferable to include the total amount, and if the loan account held by the customer is not confirmed (or the remaining limit on the loan account held by the customer is not confirmed), the user interface is preferably not provided. .

If the loan account held by the customer is not confirmed (503), the server holds a loan product that can provide preferential loan interest rate by setting an unused amount of the total loan account held by the customer connected through a non-face-to-face channel. The customer is notified 504 that they have not.

On the other hand, when the loan account held by the customer is confirmed (503), by inputting (or selecting) loan interest rate adjustment request information including at least one of the customer information, loan account information, unused amount information, and unused period information. A web page including a user interface for transmitting to a server is generated (or extracted) (505), and the web page including the generated (or extracted) user interface is transmitted to the terminal through the network means and output. (510).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the loan interest rate adjustment request information processing procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) loan interest rate adjustment request information including at least one or more customer information, loan account information, unused amount information, and unused period information through a user interface included in the web page (515).

If the terminal receives (or selects) loan interest rate adjustment request information including the customer information, loan account information, unused amount information, and unused period information through the user interface (520), the terminal establishes the communication channel. Through the input (or selection) of the customer information, loan account information, unused amount information, unused period information is transmitted to the server (525).

According to an embodiment of the present invention, the terminal is effective on the loan interest rate adjustment request information in the server to the loan interest rate adjustment request information including at least one of the customer information, loan account information, unused amount information, unused period information. At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for confirming that the transmission to the server via the network means desirable.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for loan interest rate adjustment request information including at least one of the customer information, loan account information, unused amount information, and unused period information. Method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or attach a predetermined electronic signature to the loan interest rate adjustment request information. It is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key And / or the official certificate is provided on a predetermined IC chip (or IC card) In this case, it is preferable that a card reader for confirming an authorized certificate provided in the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for loan interest rate adjustment request information including at least one of the customer information, loan account information, unused amount information, and unused period information. Method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC). Card), a card for confirming the authentication certificate provided in the IC chip (or IC card) It is further provided that is preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the loan interest rate adjustment request information, and technical features of attaching a predetermined electronic signature to the loan interest rate adjustment request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the loan account information, the unused amount information, and the unused period information through the communication channel to check the validity of the loan interest rate adjustment request information (530).

According to an embodiment of the present invention, the loan interest rate adjustment request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption scheme, the server may convert the encrypted loan interest rate adjustment request information into at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. It is preferable to authenticate the validity of the received loan interest rate adjustment request information by decryption using a decryption scheme, and / or an electronic envelope-based decryption scheme, and / or a key exchange-based decryption scheme.

Alternatively, when a predetermined electronic signature is attached to the loan rate adjustment request information, the server verifies the validity of the received loan rate adjustment request information by checking the electronic signature attached to the loan rate adjustment request information. It is preferable.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted loan interest rate adjustment request information, and technology for confirming an electronic signature attached to the loan interest rate adjustment request information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, when the loan rate adjustment request information received through the information receiving unit 115 further includes a predetermined password for confirming the validity of the loan rate adjustment request information, the server may be configured as described above. It is preferable to authenticate the validity of the received loan interest rate adjustment request information by comparing and authenticating the password included in the loan interest rate adjustment request information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the loan rate adjustment request information received through the information receiving unit 115 further includes predetermined security card information for checking the validity of the loan rate adjustment request information, the server adjusts the loan rate. It is preferable to authenticate the validity of the received loan interest rate adjustment request information by comparing and authenticating the received security card information included in the request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the loan rate adjustment request information received through the information receiving unit 115 further includes a predetermined OTP code for checking the validity of the loan rate adjustment request information, the server requests the loan rate adjustment request. The validity of the received loan interest rate adjustment request information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to the method of the present invention, the validity check of the loan interest rate adjustment request information is matched with the loan interest rate adjustment request information to the ledger D / B (200) on the financial system associated with the loan rate adjustment request processing system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the loan interest rate adjustment request information, the customer information (customer information, member information, etc.) of the ledger on the financial system associated with the loan rate adjustment request processing system. It is preferably made to include matching with the customer ledger stored in the D / B (200).

If the validity of the loan interest rate adjustment request information is not authenticated (535), the server generates a web page including predetermined loan interest rate adjustment request error information and transmits it to the terminal (540), and adjusts the loan rate The loan interest rate adjustment request process corresponding to the requested information is not performed.

On the other hand, if the validity of the loan rate adjustment request information is authenticated (535), the server provides a preferential loan rate for the unused amount designated by the customer among the total amount of the loan account held by the customer in response to the loan rate adjustment request information. (537).

According to the method of the present invention, providing a discount (or preferential) loan interest rate on the loan corresponding to the loan interest rate adjustment request information is interest on the remaining loan amount excluding the unused amount of the total loan amount held by the customer. It is preferable to process so that is paid.

According to another embodiment of the present invention, providing a discount (or preferential) loan interest rate on a loan corresponding to the loan interest rate adjustment request information includes: a loan interest discounted on an unused amount of the total amount of loan accounts held by the customer; It is advisable to process normal loan interest (or discounted interest) on payments other than unused amounts.

Thereafter, the server generates predetermined document content including at least one or more customer information, loan account information, unused amount information, and unused period information including the loan interest rate adjustment request information (545), and includes the document content. A predetermined loan rate adjustment request electronic document is generated (550).

According to an exemplary embodiment of the present invention, the server generates document contents including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan interest rate adjustment request information. Document files containing document content (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or web documents including MHT) File, etc.), it is preferable to process the loan interest rate adjustment request electronic document for providing preferential loan interest rate by setting an unused amount among the total amount of loan accounts held by the customer connected through the non-face-to-face channel.

Alternatively, the server generates document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan rate adjustment request information, and adjusts the loan rate to the document content. Document file including document content including the watermarking after including at least one of the customer information, loan account information, unused amount information, unused period information included in the request information in a watermarking method (for example, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). Loan rate provision to provide preferential loan rate by setting unused amount among total amount of loan accounts held by clients It is desirable to process a request, the electronic document.

Alternatively, the server generates document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan interest rate adjustment request information, and captures the document content. Preferential loan rate by setting an unused amount of total loan account held by a customer accessing an image file including an image content (e.g., image content generated by capturing the document content in memory) through the non-facing channel It is desirable to process the loan rate adjustment request electronic document for provision.

Alternatively, the server generates document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan interest rate adjustment request information, and captures the document content. Water information on at least one of the customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information into an image content (for example, image content generated by capturing the document content on a memory). After including the marking (Watermarking) method, to provide a preferential loan rate by setting an unused amount of the total loan amount held by the customer accessing the image file including the image content including the watermarking through the non-face-to-face channel It is preferable to process the loan interest rate request electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan interest rate adjustment request information. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) that includes image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory). Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, out of the total amount of the loan account held by the customer connected through the non-facing channel. It is preferable to process the loan rate adjustment request electronic document to provide preferential loan rate through the use of unused amount.

Alternatively, the server generates document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan interest rate adjustment request information, and captures the document content. Water information on at least one of the customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information into an image content (for example, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. A word processor file including at least one DOC or the like, or a web document file including an MHT) By creating, it is preferable that the non-face-to-face treatment of the total amount of the loan account and the customer has access via the channel to the interest rate adjustment request electronic documents for preferential lending provided by the unused amount set.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan interest rate adjustment request information. And a predetermined document file (eg, PDF (Portable Document Format) including image content capturing the document content (eg, image content generated by capturing the document content on a memory) and the loan interest rate adjustment request information. ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Request for adjustment of loan rate to provide preferential loan rate by setting unused amount of total loan account held by the bank It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan interest rate adjustment request information, and captures the document content. Water information on at least one of the customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information into an image content (for example, image content generated by capturing the document content on a memory). Generating image content including a watermarking method, a document file including the watermarking image content and the loan interest rate adjustment request information (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data) Interchange) file, or a word processor file including at least one of HWP / DOC, or the like, or By generating a web document file including the MHT, etc.), processing the loan interest rate adjustment request electronic document for providing preferential loan interest rate by setting an unused amount among the total amount of the loan account held by the customer connected through the non-face-to-face channel. desirable.

Those skilled in the art to which the present invention pertains include technical features that the server generates a loan rate adjustment request electronic document in an image file format and / or a predetermined document file format, and the loan rate adjustment request electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated loan rate adjustment request electronic document in a predetermined electronic document storage (555).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 associated with a server on the loan rate adjustment request processing system through predetermined communication means. In the case of being provided externally, the server transmits the generated loan interest rate adjustment request electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180). Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the loan rate adjustment request processing system, the server may display the generated loan rate adjustment request electronic document on the DBMS provided in the loan rate adjustment request processing system. It is possible to store in the electronic document D / B 180 corresponding to the electronic document storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the loan rate adjustment request electronic document in the electronic document repository may be performed by linking the generated loan rate adjustment request electronic document with predetermined electronic document management information as shown in FIG. 1. It is preferably made to include in the electronic document D / B (180).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the loan rate adjustment request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the loan rate adjustment request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the loan rate adjustment request information and / or financial institution information transmitting the loan rate adjustment request electronic document). , And / or the electronic document file format information, and / or the loan interest rate adjustment request information.

If the loan rate adjustment request electronic document is stored in the electronic document storage (560), the server processes the customer information, loan account information, unused amount information, unused period information included in the loan rate adjustment request information. And store in the predetermined storage medium 155 (565), predetermined loan interest rate adjustment request history information (for example, the history of storing the loan interest rate adjustment request electronic document in the electronic document storage, and / or the storage medium ( 155) (or details) of storing the loan interest adjustment request information) is generated (or extracted) and transmitted to the terminal (570).

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the loan rate adjustment request processing system (or associated with the loan rate adjustment request processing system), In this case, the storage medium 155 may be a ledger D / B 200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 155 is provided on (or associated with) the loan rate adjustment request processing system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the server checks whether the unused amount of the total loan account held by the customer is used (575).

According to the method of the present invention, whether the portion (or the total amount) of the unused amount of the total loan amount held by the customer is withdrawn is determined whether more than the remaining amount except the unused amount among the total amount of the loan account is used. It is desirable to confirm.

If the unused amount of the total amount of the loan account held by the customer is used (580), the server setstles the preferential loan rate for the unused amount of the total amount of the loan account provided by the customer. (585).

According to the method of the present invention, after a part (or the total amount) of the unused amount of the total amount of the loan account held by the customer is withdrawn, the preferential loan rate settlement processing for this is performed according to the preferential loan rate provided to the customer. It is advisable to process the loan interest paid later.

In addition, after a portion (or the total amount) of the unused amount of the total amount of the loan account held by the customer is withdrawn, it is preferable to adjust the preferential loan rate for the unused amount previously provided to the loan rate previously provided.

On the other hand, when the unused amount of the total amount of the loan account held by the customer is not used (580), the server checks whether the unused period expires for the regular unused amount (590).

If the unused period for the regular unused amount does not expire (599), the server repeatedly checks whether the unused amount for the total amount of the loan account held by the customer is used.

6a and 6b and 6c are provided through a non-face-to-face financial transaction channel to provide preferential loan interest rate by setting an unused amount of the total amount of loan accounts held by a customer connected through a non-face-to-face channel according to one embodiment of the present invention. The process of registering loan interest rate adjustment request information is shown.

6a, 6b, and 6c, the loan interest rate adjustment request processing system shown in FIG. 1 is realized through an internet banking system among non-face-to-face financial transaction channels (ie, the loan shown in FIG. 1). In the case where the loan rate adjustment request processing server 100 on the interest rate adjustment request processing system is an Internet banking server, the client terminal is connected to the Internet banking through a TCP / IP or UDP / IP based network (for example, the Internet). After accessing the server and performing a predetermined customer authentication procedure, a predetermined loan interest rate adjustment request is provided for providing preferential loan interest rate by setting an unused amount of the total amount of loan accounts held by the client terminal accessed through the non-face-to-face channel. When the information is sent to the Internet banking server, the Internet banking server includes the received loan interest rate adjustment request information Generates a predetermined loan interest rate adjustment request electronic document and stores it in a predetermined electronic document repository, and processes the customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information in a predetermined manner. The present invention relates to a storage medium 155, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify other types of non-facing surfaces by referring to and / or modifying the drawings 6a, 6b, and 6c. Although various implementation methods for registering the loan interest rate adjustment request information through a financial transaction channel may be inferred, the present invention includes all the implementation methods inferred, and is illustrated in FIGS. 6A, 6B, and 6C. It is not limited to the method.

That is, in FIGS. 6A, 6B, and 6C, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal, Although an implementation method of connecting an internet banking-based financial transaction channel for processing loan interest rate adjustment request information between the client terminal and the Internet banking server based on the browser program is illustrated, the present disclosure has a general knowledge in the art. Growing up, the client based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 6A, 6B, and 6C. Terminal and Internet Banking Book Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for processing loan interest rate adjustment request information therebetween, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, Thereby, this invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modifying the Internet banking-based financial transaction channel connection method shown in Figures 6a, 6b and 6c, Another banking system such as a telebanking system and / or a wireless banking system and / or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for processing loan interest rate adjustment request information. Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. This is not limited to the case of the Internet banking shown in Figs. 6A, 6B, and 6C.

6A, 6B, and 6C, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the loan rate adjustment request processing server 100 is referred to as " server "

6A, 6B, and 6C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP or UDP / IP based network (600a), the server uses the browser. The communication channel between the terminal and the server is connected (605a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. Means that a predetermined communication session is allocated so that a browser program provided in the terminal can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page. do.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (610a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (615a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (620a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (625a), or if the terminal does not need to load and / or update the security module for internet banking (615a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (630a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide encryption by an encryption algorithm, confirming the digital signature in the terminal and / or knowing the encryption scheme (and / or encryption). Means a communication channel to decode the information (or data) by a predetermined decoding method (and / or a decoding algorithm) corresponding to the rhythm), and the terminal to provide the server to process the loan interest rate adjustment request information. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program ( Or a predetermined digital signature attached to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for processing loan interest adjustment request information. Attach a predetermined digital signature to information (or data) to be provided and / or at least one When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication process through the browser program (635a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (640a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face channel-based financial transactions based on the customer authentication data received from the terminal (645a).

If the Internet banking customer authentication fails (650a), the server blocks the Internet banking security channel for the terminal (655a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (650a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (660a), where the Internet banking based The financial transaction channel is registered by transmitting predetermined loan interest rate adjustment request information for providing preferential loan interest rate by setting an unused amount among the total amount of loan accounts held by the client connected to the server through the non-facing channel from the terminal. It means the communication channel.

Thereafter, the terminal includes a web page including a user interface for providing a preferential loan rate by setting an unused amount of the total amount of the loan account held by the customer connected to the server through the non-face-to-face channel through an internet banking-based financial transaction channel. In response to the request (600b), the server correspondingly provides a user interface for inputting (or selecting) loan interest rate adjustment request information including at least one of the customer information, loan account information, unused amount information, and unused period information. Check the total amount of the loan account held by the customer to be provided with through (602b).

According to an embodiment of the present invention, a user interface for inputting (or selecting) predetermined loan interest rate adjustment request information in the customer terminal 185 may be provided for a loan account held by a customer connected through the customer terminal 185. It is preferable to include the total amount, and if the loan account held by the customer is not confirmed (or the remaining limit on the loan account held by the customer is not confirmed), the user interface is preferably not provided. .

If the loan account held by the customer is not confirmed (603b), the server holds a loan product that can provide preferential loan interest rate by setting an unused amount of the total loan account held by the customer connected through a non-face-to-face channel. The customer is notified 604b that it has not.

On the other hand, when the loan account held by the customer is confirmed (603b), the server inputs (or selects) loan interest rate adjustment request information including at least one of the customer information, loan account information, unused amount information, and unused period information. Generate (or extract) a web page that includes a user interface for transmission to the server (605b), and a web page that includes the generated (or extracted) user interface through the internet banking-based financial transaction channel. To transmit to the terminal and outputs (610b).

According to an embodiment of the present invention, the web page includes a user interface for inputting (or selecting) loan interest rate adjustment request information including at least one of customer information, loan account information, unused amount information, and unused period information in the terminal. And / or predetermined password and / or security card information (e.g., during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the loan interest rate adjustment request information. Security card information printed on the security card issued) and / or one time password (OTP) (e.g., during the internet banking application process (or after the internet banking application), an OTP authenticator (or OTP authentication program) provided to the customer by a financial institution. It is preferable to further include a user interface for entering a one-time password generated through) The.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the loan interest rate adjustment request information processing procedure, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) loan interest rate adjustment request information including at least one of the customer information, loan account information, unused amount information, and unused period information through the loan rate adjustment request interface (615b).

If the terminal inputs (or selects) loan interest rate adjustment request information including the customer information, loan account information, unused amount information, and unused period information through the user interface (620b), the terminal transmits the financial transaction channel. Through the input (or selected) loan interest rate adjustment request information is transmitted to the server (625b).

According to an embodiment of the present invention, the terminal is effective on the loan interest rate adjustment request information in the server to the loan interest rate adjustment request information including at least one of the customer information, loan account information, unused amount information, unused period information. At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for confirming that the transmission to the server via the network means desirable.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for loan interest rate adjustment request information including at least one of the customer information, loan account information, unused amount information, and unused period information. Method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or attach a predetermined electronic signature to the loan interest rate adjustment request information. It is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined authentication including at least one encryption key A certificate is provided, and / or the public certificate is provided on a predetermined IC chip (or IC card). In this case, it is preferable that a card reader for confirming an authorized certificate provided in the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for loan interest rate adjustment request information including at least one of the customer information, loan account information, unused amount information, and unused period information. Method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC). Card), a card for confirming the authentication certificate provided in the IC chip (or IC card) It is further provided that is preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the loan interest rate adjustment request information, and technical features of attaching a predetermined electronic signature to the loan interest rate adjustment request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the loan rate adjustment request information through the financial transaction channel to check the validity of the loan rate adjustment request information (630b).

According to an embodiment of the present invention, the loan interest rate adjustment request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption scheme, the server may convert the encrypted loan interest rate adjustment request information into at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. It is preferable to authenticate the validity of the received loan interest rate adjustment request information by decryption using a decryption scheme, and / or an electronic envelope-based decryption scheme, and / or a key exchange-based decryption scheme.

Alternatively, when a predetermined electronic signature is attached to the loan rate adjustment request information, the server verifies the validity of the received loan rate adjustment request information by checking the electronic signature attached to the loan rate adjustment request information. It is preferable.

Those skilled in the art to which the present invention pertains check the technical features of the various decryption methods for decrypting the encrypted loan interest rate adjustment request information and the electronic signature attached to the loan interest rate adjustment request information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

When the loan rate adjustment request information received through the information receiving unit 115 further includes a predetermined password for confirming the validity of the loan rate adjustment request information according to an embodiment of the present invention, the server may be configured to perform the above. It is preferable to authenticate the validity of the received loan interest rate adjustment request information by comparing and authenticating the password included in the loan interest rate adjustment request information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the loan rate adjustment request information received through the information receiving unit 115 further includes predetermined security card information for checking the validity of the loan rate adjustment request information, the server adjusts the loan rate. It is preferable to authenticate the validity of the received loan interest rate adjustment request information by comparing and authenticating the received security card information included in the request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the loan rate adjustment request information received through the information receiving unit 115 further includes a predetermined OTP code for checking the validity of the loan rate adjustment request information, the server requests the loan rate adjustment request. The validity of the received loan interest rate adjustment request information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to the method of the present invention, the validity check of the loan interest rate adjustment request information is matched with the loan interest rate adjustment request information to the ledger D / B (200) on the financial system associated with the loan rate adjustment request processing system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the loan interest rate adjustment request information, the customer information (customer information, member information, etc.) of the ledger on the financial system associated with the loan rate adjustment request processing system. It is preferably made to include matching with the customer ledger stored in the D / B (200).

If the validity of the loan rate adjustment request information is not authenticated (635b), the server generates a web page including predetermined information processing error information and transmits it to the terminal (640b), and the loan rate adjustment request information Do not proceed with the corresponding loan rate adjustment request process.

On the other hand, if the validity of the loan rate adjustment request information is authenticated (635b), the server provides a preferential loan rate for the unused amount designated by the customer among the total amount of loan accounts held by the customer in response to the loan rate adjustment request information. Is set (637b).

According to the implementation method of the present invention, the discount (or preferential) loan interest rate for the loan corresponding to the loan interest rate adjustment request information, the interest on the remaining loan amount excluding the unused amount of the total loan account held by the customer It is preferable to process so that payment is made.

According to another embodiment of the present invention, providing a discount (or preferential) loan interest rate on a loan corresponding to the loan interest rate adjustment request information includes: a loan interest discounted on an unused amount of the total amount of loan accounts held by the customer; It is advisable to process normal loan interest (or discounted interest) on payments other than unused amounts.

Thereafter, the server generates predetermined document content including at least one or more customer information, loan account information, unused amount information, and unused period information including the loan interest rate adjustment request information (645b) and includes the document content. A predetermined loan rate adjustment request electronic document is generated (650c).

According to an exemplary embodiment of the present invention, the server generates document contents including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan interest rate adjustment request information. Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as a loan interest rate adjustment request electronic document for providing preferential loan interest rate by setting an unused amount among the total amount of loan accounts held by the customer connected through the non-face-to-face channel.

Alternatively, the server generates document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan rate adjustment request information, and adjusts the loan rate to the document content. Document file including document content including the watermarking after including at least one of the customer information, loan account information, unused amount information, unused period information included in the request information in a watermarking method (for example, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). Loan rate provision to provide preferential loan rate by setting unused amount among total amount of loan accounts held by clients It is desirable to process a request, the electronic document.

Alternatively, the server generates document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan interest rate adjustment request information, and captures the document content. Provide preferential loan rate by setting an unused amount among total amount of loan accounts owned by customers accessing an image file including an image content (e.g., image content generated by capturing the document content in memory) through the non-facing channel It is advisable to process the loan rate adjustment request electronically.

Alternatively, the server generates document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan interest rate adjustment request information, and captures the document content. Water information on at least one of the customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information into an image content (for example, image content generated by capturing the document content on a memory). After including the marking (Watermarking) method, to provide a preferential loan rate by setting an unused amount of the total loan amount held by the customer accessing the image file including the image content including the watermarking through the non-face-to-face channel It is preferable to process the loan interest rate request electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan interest rate adjustment request information. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including an image content of capturing the document content (eg, image content generated by capturing the document content on a memory). Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), so that the total amount of the loan account held by the customer connected through the non-facing channel is not used. It is preferable to process the loan rate adjustment request electronic document to provide preferential loan rate by setting the amount.

Alternatively, the server generates document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan interest rate adjustment request information, and captures the document content. Water information on at least one of the customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information into an image content (for example, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. A word processor file including at least one DOC or the like, or a web document file including an MHT) By creating, it is preferable that the non-face-to-face treatment of the total amount of the loan account and the customer has access via the channel to the interest rate adjustment request electronic documents for preferential lending provided by the unused amount set.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan interest rate adjustment request information. And a predetermined document file (eg, PDF (Portable Document Format) including image content capturing the document content (eg, image content generated by capturing the document content on a memory) and the loan interest rate adjustment request information. ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Request for adjustment of loan rate to provide preferential loan rate by setting unused amount of total loan account held by the bank It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information, loan account information, unused amount information, and unused period information included in the received loan interest rate adjustment request information, and captures the document content. Water information on at least one of the customer information, loan account information, unused amount information, and unused period information included in the loan interest rate adjustment request information into an image content (for example, image content generated by capturing the document content on a memory). Generating image content including a watermarking method, a document file including the watermarking image content and the loan interest rate adjustment request information (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data) Interchange) file, or a word processor file including at least one of HWP / DOC, or the like, or By generating a web document file including the MHT, etc.), processing the loan interest rate adjustment request electronic document for providing preferential loan interest rate by setting an unused amount among the total amount of the loan account held by the customer connected through the non-face-to-face channel. desirable.

Those skilled in the art to which the present invention pertains include technical features that the server generates a loan rate adjustment request electronic document in an image file format and / or a predetermined document file format, and the loan rate adjustment request electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated loan rate adjustment request electronic document in a predetermined electronic document storage box (655c).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 associated with a server on the loan rate adjustment request processing system through predetermined communication means. In the case of being provided externally, the server transmits the generated loan interest rate adjustment request electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180). Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the loan rate adjustment request processing system, the server may display the generated loan rate adjustment request electronic document on the DBMS provided in the loan rate adjustment request processing system. It is possible to store in the electronic document D / B 180 corresponding to the electronic document storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the loan rate adjustment request electronic document in the electronic document repository may be performed by linking the generated loan rate adjustment request electronic document with predetermined electronic document management information as shown in FIG. 1. It is preferably made to include in the electronic document D / B (180).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the loan rate adjustment request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the loan rate adjustment request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the loan rate adjustment request information and / or financial institution information transmitting the loan rate adjustment request electronic document). , And / or the electronic document file format information, and / or the loan interest rate adjustment request information.

If the loan rate adjustment request electronic document is stored in the electronic document repository (660c), the server processes the customer information, loan account information, unused amount information, and unused period information included in the loan rate adjustment request information. And store in the predetermined storage medium 155 (665c), predetermined loan interest rate adjustment request history information (for example, the history of storing the loan interest rate adjustment request electronic document in the electronic document storage, and / or the storage medium ( 155) (or details) of storing the loan interest adjustment request information) is generated (or extracted) and transmitted to the terminal (670c).

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the loan rate adjustment request processing system (or associated with the loan rate adjustment request processing system). In this case, the storage medium 155 may be a ledger D / B 200 provided in a DBMS on the financial system, and / or a predetermined database linked to the ledger D / B 200. The present invention is not limited by this.

According to another embodiment of the present invention, the storage medium 155 is provided on (or associated with) the loan rate adjustment request processing system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the server checks whether an unused amount of the total amount of loan accounts held by the customer is used (675c).

According to the method of the present invention, whether the portion (or the total amount) of the unused amount of the total loan amount held by the customer is withdrawn is determined whether more than the remaining amount except the unused amount among the total amount of the loan account is used. It is desirable to confirm.

If an unused amount of the total amount of the loan account held by the customer is used (680c), the server setstles the preferential loan rate for the unused amount of the total amount of the loan account provided by the customer. (685c).

According to the method of the present invention, after a portion (or the total amount) of the unused amount of the total amount of the loan account held by the customer is withdrawn, the preferential loan rate settlement processing is paid according to the preferential loan rate provided to the customer. It is advisable to process the loan interest at a later date.

In addition, after a portion (or the total amount) of the unused amount of the total amount of the loan account held by the customer is withdrawn, it is preferable to adjust the preferential loan rate for the unused amount previously provided to the loan rate previously provided.

On the other hand, when the unused amount of the total amount of the loan account held by the customer is not used (680c), the server checks whether the unused period of the regular unused amount expires (690c).

If the unused period for the regular unused amount does not expire (699c), the server repeatedly checks whether the unused amount for the total amount of the loan account held by the customer is used.

According to the present invention, a part of the loaned amount is set as unused, and by providing preferential interest rates for the set unused amount, there is an advantage of reducing the burden of interest payment on the unused loan.

Claims (4)

Means for identifying a total loan amount deposited in a loan account held by a customer accessing internet banking through a non-face-to-face channel; Means for providing a user interface for setting an unused amount and an unused period for an unused amount of the total loan amount deposited in the confirmed loan account; Means for receiving unused period information and unused amount information via the provided user interface; Means for processing interest payment on the remaining loan amount excluding the unused amount of the total loan account held by the customer by using the received unused period and the unused amount; loan using unused loan Interest processing system. delete A computer-readable recording medium having recorded thereon a program for realizing the means of claim 1. Checking the total amount of the loan account held by the customer accessing the Internet banking through the non-face-to-face channel; Providing a user interface for setting an unused amount and an unused period of the unused amount among the total amount of the checked loan account; Receiving unused period information and unused amount information through the provided user interface; Using the received unused period and unused amount to process interest payment on the remaining loan amount excluding the unused amount from the total amount of the loan account held by the customer; loan using unused loan, characterized in that it comprises a Interest treatment method.

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