KR101072932B1 - System and Method for Processing Postponement Document by Auto-Comupterization and Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for automatically processing a deferred document and a recording medium therefor, wherein the method for automatically processing a deferred document according to the present invention, when the terminal requests confirmation of one or more customers having a loan product that has expired, Identifying at least one customer having a loan product that has reached maturity in connection with a financial system, generating a list of the borrowing product having a loan maturity including the identified at least one customer, and transmitting it to the terminal; Delay execution information including one or more customer information that can be postponed loan among the customers included in the loan product holding customer list of maturity origin, loan information has reached the maturity, and at least one report form information for the loan has expired Inputting (or selecting), receiving the same, and including the received deferred execution information. Retrieving at least one customer ledger and collateral ledger corresponding to the customer information, generating combined document information combining the query result information and the report form inquiring at least one of the customer ledger and the secured ledger; And automatically converting document information into an image and storing the combined document information processed in the image on a storage medium.

Document processing

Description

System and Method for Processing Postponement Document by Auto-Comupterization and Recording Medium}

2 is a diagram illustrating a computer processing system for processing a loan deferral related documents according to an embodiment of the present invention.

3 is a diagram illustrating a process of confirming a target customer for the computer processing of loan deferral-related documents according to an embodiment of the present invention.

4 is a diagram illustrating a process for computing a loan deferral related document according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a process for computing a loan deferral related document according to another exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a computer processing system for processing a loan deferral related document according to an embodiment of the present invention.

7 is a diagram illustrating a process of identifying a target customer for the computer processing of loan deferral-related documents according to the embodiment of the present invention.

8 is a diagram illustrating a process for computing a loan deferral related document according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a process for computing a loan deferral related document according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

200: computer processing server 205: interface unit

210: interface providing unit 215: information receiving unit

220: information confirmation unit 225: information generation unit

230: information provider 235: validation unit

240: information inquiry unit 245: image conversion processing unit

250: information storage unit 255: storage medium

260: Staff terminal in charge

According to the present invention, when the terminal requests confirmation of one or more customers who have a loan product that has reached maturity, the terminal checks one or more customers who have a loan product that has reached maturity in association with the financial system, and includes the one or more customers identified above. Generating and transmitting a list of loan product holding customers to the terminal, and transmitting at least one customer information of the customer included in the list of loan loan holding products to the terminal from the terminal; Inputting (or selecting) information on postpone execution information including one or more report form information on the loan that has reached maturity, and receiving the information; and receiving the information, and corresponding to the customer information included in the received postponement execution information. Inquiring at least one of the ledgers and collateral ledgers; And generating the combined document information combining the information and the report form, automatically converting the generated combined document information, and storing the image converted processed document information on a storage medium. It relates to an automatic computer processing method.

In the development of information and communication technology, various measures have been proposed to support the convenience of the current life more conveniently and quickly, and many developments have been made based on this.

However, in paper processing for loan deferral used by financial institutions, in order to maintain the maximum security, it was not easy to escape from the processing method using paper documents. There is a difficult problem that is not easy.

According to Figure 1 shown below, a loan deferred document processing process up to a total of five stages of the various business process of the financial institution, but a few people in the prior art gather, print, scan, schedule After storage for a period of time, the waste was discarded. Waste of paper and waste of time occurred, but it was not improved.

In particular, according to Figure 1, the output of the postponed document and image processing, and the process of storing and discarding it are two stages out of a total of five stages, which can be re-classified into 12 stages of processing, looking at the process Since paper documents of output / scanning / boxing / archive / disposal must be included, a lot of resource wasted, which leads to difficult problems.

An object of the present invention for solving the above problems, when the terminal requests the confirmation of one or more customers with a loan product has reached maturity, to identify one or more customers with a loan product has expired in conjunction with the financial system, Means for generating a list of maturity loan products holding customers including the identified one or more customers and transmitting them to the terminal, and one or more customers that can postpone loan among the customers included in the list of maturity loan products held by the terminal Means for receiving (or selecting) deferral execution information including one or more information, the loan information that has reached maturity, and report form information for the loan that has reached maturity, and means for receiving the deferred execution information; Means for retrieving at least one customer ledger and at least one secured ledger corresponding to the customer information contained therein; Means for generating a combined document data combining the query result data and the report form inquiring at least one of the collateral ledgers, and automatically converting the generated combined document data into an image, and storing the combined converted document data in a storage medium. It is to provide an automatic deferred document processing system including a means for storing.

Deferred document automatic computer processing method according to the present invention, when the terminal requests the confirmation of one or more customers with a loan product has reached maturity, in conjunction with the financial system to identify one or more customers with a loan product has expired, Generating and transmitting a list of maturity loan product holding customers including one or more identified customers to the terminal; and at least one customer deferred from among the customers included in the list of maturity loan product holding customers at the terminal. Inputting (or selecting) deferral execution information including one or more information, the loan information that has reached maturity, and report form information on the loan that has reached maturity, and receiving it; Querying one or more customer ledgers and collateral ledgers corresponding to the included customer information; and Generating a combined document information combining the query result information and the report form inquiring at least one of the collateral ledgers, and automatically converting the generated combined document information into an image and storing the combined document information processed in the storage medium on a storage medium. Characterized in that it comprises a step of storing.

On the other hand, the automatic deferred document processing method according to the present invention, when the terminal requests the confirmation of one or more customers with a loan product has reached maturity, in conjunction with the financial system to identify one or more customers with a loan product has reached maturity And generating a maturity loan product holding customer list including the identified one or more customers and transmitting it to the terminal, and allowing the terminal to postpone loan among the customers included in the maturity loan product holding customer list. Inputting (or selecting) deferral execution information including one or more of customer information, loan information at maturity date, and report form information on the loan at maturity date, and receiving it; Querying at least one customer ledger and at least one secured ledger corresponding to the customer information included in the information; Generating a combined document data combining the query result data and the report form inquiring at least one chapter and the collateral ledger; and automatically converting the generated combined document data into an image and storing the converted document data. And storing the medium in the medium.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described automatic deferred document processing method.

On the other hand, the automatic deferred document processing system according to the present invention, when the terminal requests the confirmation of one or more customers with a loan product has reached maturity, it is confirmed in connection with the financial system one or more customers with a loan product has reached maturity And means for generating a list of maturity loan products held by the customer and including the identified one or more customers, and transmitting them to the terminal, and one of the customers included in the list of maturity loan products held by the terminal. Means for receiving (or selecting) deferral execution information including one or more of the above customer information, the loan information that has reached maturity, and report form information on the loan that has reached maturity, and means for receiving the deferred execution information; Means for querying at least one of the ledgers and collateral ledgers corresponding to the customer information contained in the information; Means for generating a combined document information combining the query result information and the report form inquiring at least one of the guest ledger and the collateral ledger; and automatically converting the generated combined document information into an image and processing the combined converted document information And means for storing in a storage medium.

On the other hand, the automatic deferred document processing system according to the present invention, when the terminal requests the confirmation of one or more customers with a loan product has reached maturity, it is confirmed in connection with the financial system one or more customers with a loan product has reached maturity And means for generating a list of maturity loan products held by the customer and including the identified one or more customers, and transmitting them to the terminal, and one of the customers included in the list of maturity loan products held by the terminal. Means for receiving (or selecting) deferred execution information including one or more of the above customer information, the loan information that has reached maturity, and report form information on the loan that has reached maturity, and means for receiving the deferred execution information; Means for inquiring at least one of the customer ledger and the secured ledger corresponding to the customer information included in the execution information; Means for generating a combined document data combining the query result data and the report form inquiring at least one of the guest ledger and the collateral ledger; and automatically converting the generated combined document data into an image and processing the combined converted document data And means for storing in a storage medium.

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

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

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

Hereinafter, the present invention has shown a process for processing a loan deferral-related documents, in order to explain this easily and conveniently, a description has been given of an automatic computer processing process for deferred documents for a plurality of customers having a loan product has reached maturity as an embodiment. Therefore, the present invention is not limited thereto, and may be applied to all cases in the case of complicated and large amount of paper processing.

1 is a diagram illustrating a loan deferred document processing process of a total of five stages of various business processes of a conventional financial institution.

2 is a diagram illustrating a computer processing system for processing a loan deferral related documents according to an embodiment of the present invention.

In more detail, Figure 2 shows that a predetermined employee terminal accesses a server on a computer processing system through a predetermined network means to request an inquiry about one or more of customer information and loan information for one or more customers whose loans have expired. In order to receive the maturity loan loan request information input through the maturity loan loan inquiry request information input interface screen output to the employee terminal, the loan expiration in response to the received maturity loan loan request information After querying the customer information and loan information for the customer through the financial system, it is characterized in that to generate a loan product holding customer list to maturity based on this and transmit to the employee terminal.

Thereafter, at the employee terminal, the customer information for one or more customers who can postpone the loan, the loan information that has reached maturity, and the report form information about the loan that has reached maturity based on the received maturity loan product holding customer list. After inputting (or selecting) the postpone execution information including one or more, after receiving this, the customer ledger and the collateral ledger corresponding to the received postponement execution information are inquired, and the corresponding inquiry result information and report form It generates a combined document information combined to store in the storage medium 255.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to infer various implementation methods for the construction of a computer processing system for processing the loan deferral related documents. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, one receives the maturity loan inquiry request information provided from the employee terminal on the computer processing system shown in FIG. 2, and has a loan product that has reached maturity in response to the received maturity loan inquiry request information. After querying one or more customer information and loan information for the customer, and provides the customer terminal information on the loan product holding the loan product including the one or more customer information and the loan information held by the customer, the employee terminal After receiving the postpone execution information including one or more customer information, loan information, report form information corresponding to the loan product holding customer list information provided above, the customer ledger and collateral ledger corresponding to the received postponement execution information At least one or more means and / or functional configurations for querying and generating combined document information. The corresponding component is referred to as "computation processing server 200" for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, a computer processing system for processing a loan deferral related document according to the present invention includes at least one employee terminal connected to a predetermined network means, and transmitted from the employee terminal. After receiving the loan inquiry request information maturity, and inquiring the customer information and the loan information held by the customer with respect to the customer holding the loan product has expired in response to the received maturity loan inquiry request information, Sending one or more customer information and loan information to the employee terminal, and receives the postponement execution information including one or more customer information, loan information, report form information corresponding to the loan product holding customer list information provided from the employee terminal Then, search for one or more customer ledgers and collateral ledgers corresponding to the received deferred execution information. Computation server 200 for generating information, a storage medium 255 for storing the combined document information generated by the computer processing server 200, and the expiration at the request of the computer processing server 200 It includes a financial system for managing the customer information for the customer holding a loan product, and the ledger D / B where the loan information is stored.

The computer processing system includes a predetermined financial system for computer processing corresponding to a financial transaction (eg, credit, receiving, currency exchange, foreign currency remittance, financial investment) service for computer processing of the loan deferral related document. It is done.

According to an embodiment of the present invention, the financial system is connected to at least one or more window terminals provided at a branch (or branch) of the financial institution through a predetermined financial network (eg, a branch network). It is desirable to provide a ledger management and computerized processing function for face-to-face financial transaction processing in connection with the counter terminal for computer processing of loan deferral related documents.

The financial system may include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, and / or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (or branch of another financial institution) and / or at least one financial terminal provided in a public place and connected through a predetermined financial network (eg, a CD common network). Characterized in that, it is desirable to provide a ledger management and computerized processing function for the non-face-to-face financial transaction processing in connection with the financial terminal for the computer processing of the loan deferral related documents.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network connected to a TCP / IP-based backbone network (eg, wired Internet, and through the Internet banking server for processing the loan deferral related documents) And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) connected to an IEEE 802.11x based wireless LAN, and / or an IEEE 802.16x based portable Internet, and / Or it is desirable to provide a ledger management and computer processing function for the non-face-to-face financial transaction processing in connection with a laptop, the laptop and / or portable terminal equipped with the wireless LAN / mobile Internet access and browsing function.

In addition, the financial system is characterized in that it is linked to a predetermined wireless banking server, through the wireless banking server for the computer processing of the loan deferral related documents based on a predetermined wireless network (for example, Code Division Multiple Access (CDMA)) PCS (Personal) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions in conjunction with a communication system and / or a global system for mobile (GSM) terminal and / or a personal digital assistant (PDA) and / or a smart phone and / or telematics) It is desirable to provide ledger management and computational processing functions for the treatment.

In addition, the financial system is characterized in that it is linked to a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, CDMA (Code CDMA) through the IC chip-based wireless banking server for the computer processing of the loan deferral related documents) At least one wireless terminal (e.g., a wireless IC equipped with a financial IC chip) connected to a mobile communication network based on Division Multiple Access) and / or an IEEE 802.16x based mobile Internet, and / or a DataTAC / Mobitex based wireless data communication network. ), It is desirable to provide ledger management and computerized processing for non-face-to-face financial transactions.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, a predetermined wired voice telephone network (eg, public switched telephone network through the telebanking server for the computer processing of the loan deferral related documents) At least one wired communication terminal (e.g., a telephone) connected to a PSTN) and / or at least one wireless communication terminal (e.g., a mobile communication network based on a code division multiple access (CDMA)). (Eg, cellular and / or PCS and / or GSM terminals and / or smartphones, etc.) It is desirable to provide ledger management and computational processing for non-face-to-face financial transaction processing.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, home network) connected to a predetermined home network through the home banking server for the computer processing of the loan deferral related documents It is desirable to provide ledger management and computational processing for non-face-to-face financial transaction processing in connection with digital TVs and / or refrigerators connected thereto.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV connected to a predetermined return channel (Return Channel) through the TV banking server for processing the loan deferral related documents ( For example, it is desirable to provide a ledger management and computer processing function for non-face-to-face financial transaction processing in connection with two-way digital TV, satellite DMB terminal, terrestrial DMB terminal, etc.).

Referring to FIG. X, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking) provided in at least one or more external communication networks. , Telebanking, TV banking, etc.) to the financial system, and / or And an external system that provides a variety of financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. It is characterized in that it comprises a DBMS (Database Management System) including at least one or more databases for storing and managing.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

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

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

Referring to FIG. 2 according to an embodiment of the present invention, the computer processing system for processing the loan deferral related documents includes an employee terminal including a counter terminal provided in at least one branch (or branch) of a financial institution. The employee terminal is connected to the computer processing server 200 provided on the computer processing system through a predetermined network means (eg, a financial network).

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the computer processing server 200 connected to the window terminal is a server provided on a predetermined financial system (Eg, a ledger server, etc.), and the network means (eg, a financial network) connecting the teller terminal and the computer processing server 200 communicates between the teller terminal and the computer processing server 200. It is preferable to include a network for connecting the channels.

According to an embodiment of the present invention, the computer processing server 200 connects and manages a predetermined communication channel with the employee terminal through the network means in order to provide a web interface corresponding to the employee terminal and the network means. And an interface unit 205 (or interface means), whereby the computer processing server 200 performs a function of a web server connected to the employee terminal through a wired communication network and / or a wireless communication network. Equipped.

According to an embodiment of the present invention, when the employee terminal is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP or UDP / IP, the interface unit 205 may connect the employee terminal with HTTP (Hyper-). Connect a predetermined communication channel based on a Text Transfer Protocol protocol, and through the communication channel, a maturity loan inquiry request information input interface screen and / or information in the form of a Hyper-Text Markup Language (HTML) compatible document to the employee terminal It is preferable to perform a function of transmitting and outputting a provision screen and receiving and processing predetermined maturity loan inquiry request information input (or selected) through the maturity loan inquiry request information input interface screen from the employee terminal.

According to another exemplary embodiment of the present invention, when the employee terminal is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 205 may communicate with the employee terminal and a WAP (Wireless Application Protocol) and / or Existing loan inquiry request information input interface screen in the form of WML (Wireless Markup Language) and / or HTML compatible document to connect a predetermined communication channel based on the ME (Mobile Explorer) protocol, and to the employee terminal through the communication channel; And / or transmits and outputs an information providing screen, and receives and processes predetermined maturity loan inquiry request information corresponding to the maturity loan request information input interface screen from the employee terminal.

According to another exemplary embodiment of the present invention, when the employee terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 205 may comply with the employee terminal and the IEEE 802.16x standard. Connect a predetermined communication channel based on a corresponding wireless protocol, transmit and output a predetermined maturity loan inquiry request information input interface screen and / or an information providing screen to the employee terminal through the communication channel, and output the employee terminal. And performing a function of receiving and processing predetermined maturity loan inquiry request information corresponding to the maturity loan loan request information input interface screen from the mobile terminal, and / or the employee terminal via an IEEE 802.11x based wireless communication network. When the communication channel is a wireless terminal connected, the interface unit 205 is the employee terminal and the IEEE 8 Connect a predetermined communication channel based on a wireless protocol corresponding to the 02.11x standard, and transmit and output a predetermined maturity loan inquiry request information input interface screen and / or information providing screen to the employee terminal through the communication channel. It is preferable to perform a function of receiving and processing predetermined maturity loan inquiry request information corresponding to the maturity loan loan inquiry request information input interface screen from the employee terminal.

Referring to FIG. 2, when the predetermined employee terminal is connected to the computer processing server 200 through the interface unit 205, the computer processing server 200 works in conjunction with the interface unit 205. Interface providing unit 210 (or interface providing means) for generating (or extracting) a predetermined maturity loan inquiry request information input interface screen for inputting (or selecting) and sending a predetermined maturity loan inquiry request information. And an information receiving unit 215 for receiving the maturity loan inquiry request information that is input (or selected) and transmitted from the employee terminal through the maturity loan loan inquiry request information input interface screen in connection with the interface unit 205. (Or information receiving means).

The interface providing unit 210, when a predetermined employee terminal is connected to the computer processing server 200 through the interface unit 205, the functional configuration provided in the employee terminal (eg, a browser program provided in the employee terminal) Generate a predetermined maturity loan inquiry request information input interface screen for inputting (or selecting) predetermined maturity loan inquiry request information and transmitting it to the computer processing server 200 through the network means; And / or extract the maturity loan inquiry request information input interface screen generated from the predetermined database (not shown) and linked with the interface unit 205 to the employee terminal through the network means. It is characterized by providing.

Thereafter, the employee terminal inputs (or selects) predetermined maturity loan inquiry request information based on the maturity loan loan inquiry request information input interface screen, and the maturity loan loan inquiry request information is input (or selected). When confirmed, the employee terminal transmits the input (or selection) maturity loan inquiry request information to the computer processing server 200 through the network means.

If the person having ordinary knowledge in the technical field to which the present invention belongs, through the at least one form (Form) form included in the maturity loan inquiry request information input interface screen in the staff terminal to view the maturity loan request information Understand the technical characteristics of input (or selection) and the technical characteristics of transmitting the input (or selection) maturity loan inquiry request information to the computer processing server 200 through a communication protocol provided by the network means. Since there will be, a detailed description thereof will be omitted for convenience.

The information receiving unit 215 inputs (or selects) a predetermined maturity loan inquiry request information through the network means through the maturity loan loan inquiry request information input interface screen at the employee terminal and transmits it through the network means. In operation 205, it is characterized in that to receive the maturity loan request information.

Referring to FIG. 2, the computer processing server 200 corresponds to one or more loan service customers processed (or in charge) processed by the employee in response to the maturity loan inquiry request information received through the information receiver 215. A maturity loan product including an information checking unit 220 (or information checking means) for identifying one or more customers who have a loan product due to maturity, and one or more customers identified through the information checking unit 220. An information generating unit 225 (or information generating means) for generating holding customer list information, and an information providing unit 230 (or information providing means for providing the generated terminal loan product holding customer list information to the employee terminal); It is characterized by consisting of).

When the maturity origin loan inquiry request information received through the information receiving unit 215 is received, the information verification unit 220 corresponds to the received maturity loan inquiry request information and is processed (or in charge of) by the employee. The loan service customer is characterized by identifying the customer holding the loan product has reached maturity.

According to an embodiment of the present invention, the one or more customer confirmations corresponding to the customer inquiry request that the employee has a loan product due to expire, the ledger D / B provided on the financial system associated with the computer processing system It is desirable to identify one or more customers with loan products that have reached their maturity by identifying the customer ledgers for one or more customers using one or more loan services, and further checking the loan account ledgers associated with the identified customer ledgers. Do.

According to another embodiment of the present invention, at least one customer confirmation corresponding to the customer inquiry request having the loan product due to the employee is sent to the ledger D / B provided on the financial system associated with the computer processing system. Through the loan account ledger provided, the loan account ledger storing the loan product information that has reached maturity and the customer ledger associated with the confirmed loan account ledger are used to identify one or more customers who have the loan product that has reached the maturity. It is desirable to confirm.

Those skilled in the art to which the present invention pertains may include technical features of methods and / or processes for identifying one or more customers in response to a customer inquiry request having a loan product due to the employee. Since it will be understood, detailed description thereof will be omitted for convenience.

When the customer information and the loan information are confirmed through the information checking unit 220, the information generating unit 225 holds the loan product including one or more confirmed customer information and one or more loan information loaned by the customer. And generating customer list information.

Here, the loan product holding customer list information, it is preferable that the customer information holding one or more loan products due to expiration, and one or more loan information held by the customer.

Thereafter, the information providing unit 230 provides the generated loan product holding customer list information to the employee terminal in connection with the interface providing unit 210.

According to an embodiment of the present invention, the computer processing server 200 connects and manages a predetermined communication channel with the employee terminal through the network means in order to provide a web interface corresponding to the employee terminal and the network means. And an interface unit 205 (or interface means), whereby the computer processing server 200 performs a function of a web server connected to the employee terminal through a wired communication network and / or a wireless communication network. Equipped.

According to an embodiment of the present invention, when the employee terminal is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP or UDP / IP, the interface unit 205 may connect the employee terminal with HTTP (Hyper-). A predetermined communication channel is connected based on a Text Transfer Protocol (Text Transfer Protocol) protocol, and a postpone execution information input interface screen and / or an information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is provided to the employee terminal through the communication channel. It is preferable to perform a function of transmitting and outputting, and receiving and processing predetermined deferment execution information input (or selected) through the deferment execution information input interface screen from the employee terminal.

Here, the deferred execution information corresponds to customer information of one or more customers who can postpone loan among the customers included in the provided maturity loan product list, and loan products that have expired among the loan products held by the customer. Loan information, and characterized in that it comprises one or more report form information for the loan has expired.

According to another exemplary embodiment of the present invention, when the employee terminal is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 205 may communicate with the employee terminal and a WAP (Wireless Application Protocol) and / or Connect a predetermined communication channel based on the ME (Mobile Explorer) protocol, and through the communication channel, the execution execution information input interface screen and / or information in the form of WML (Wireless Markup Language) and / or HTML compatible document to the employee terminal. It is preferable to perform a function of transmitting and outputting a provision screen and receiving and processing predetermined acting execution information corresponding to the acting execution information input interface screen from the employee terminal.

According to another exemplary embodiment of the present invention, when the employee terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 205 may comply with the employee terminal and the IEEE 802.16x standard. Connect a predetermined communication channel based on a corresponding wireless protocol, transmit and output a predetermined execution execution information input interface screen and / or an information providing screen to the employee terminal through the communication channel, and output the delayed message from the employee terminal. It is preferable to perform a function of receiving and processing predetermined deferred execution information corresponding to the execution information input interface screen, and / or when the employee terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless communication network. The interface unit 205 is based on a wireless protocol corresponding to the employee terminal and the IEEE 802.11x standard. Connect a predetermined communication channel, transmit and output a predetermined execution execution information input interface screen and / or an information providing screen to the employee terminal through the communication channel, and correspond to the delay execution execution information input interface screen from the employee terminal. It is preferable to perform a function of receiving and processing predetermined deferred execution information.

Referring to FIG. 2, when the predetermined employee terminal is connected to the computer processing server 200 through the interface unit 205, the computer processing server 200 works in conjunction with the interface unit 205. An interface providing unit 210 (or interface providing means) for generating (or extracting) a predetermined postpone execution information input interface screen for inputting (or selecting) and transmitting predetermined postpone execution information from the interface unit; And an information receiving unit 215 (or information receiving means) for receiving the deferment execution information inputted (or selected) and transmitted through the deferment execution information input interface screen in the employee terminal. It is done.

The interface providing unit 210, when a predetermined employee terminal is connected to the computer processing server 200 through the interface unit 205, the functional configuration provided in the employee terminal (eg, a browser program provided in the employee terminal) Generate (or select) predetermined deferred execution information and transmit the deferred execution information input interface screen through the network means to the computer processing server 200, and / or a predetermined database. It is characterized in that it is extracted from (not shown), and provides the generated (or extracted) postpone execution information input interface screen to the employee terminal through the network means in association with the interface unit 205.

Thereafter, the employee terminal inputs (or selects) predetermined delay execution information on the basis of the delay execution information input interface screen, and when it is confirmed that the delay execution information is input (or selected), the employee terminal is connected to the network. The deferred execution information input (or selected) is transmitted to the computer processing server 200 through a means.

Those skilled in the art to which the present invention pertains, inputting (or selecting) the postpone execution information through at least one form form included in the postpone execution information input interface screen in the employee terminal. The technical features and technical features for transmitting the input (or selected) the deferred execution information to the computer processing server 200 through a communication protocol provided by the network means, so the detailed description thereof is for convenience. Omit.

The information receiving unit 215 inputs (or selects) predetermined postpone execution information through the postpone execution information input interface screen at the employee terminal and transmits the data through the network means, interworking with the interface unit 205. Receive postpone execution information.

Referring to FIG. 2, when the deferred execution information transmitted from the employee terminal is received through the information receiving unit 215, the computer processing server 200 receives the deferred execution information for the customer using the loan service. Characterized in that it comprises a validity check unit 235 (or validity check means) for checking whether the validity for the loan management is satisfied.

According to the method of the present invention, the validity of the postponement execution information is determined whether at least one ledger information matched with the postponement execution information is registered in the ledger D / B on the financial system associated with the computer processing system. It is preferable that it consists of including.

For example, the validity confirming unit 235 stores the customer information (customer personal information, member information, etc.) stored in the ledger D / B on the financial system linked with the computer processing system among the information included in the postponement execution information. It is preferable to include checking whether the match with the customer ledger.

In addition, the validity of the postponement execution information, the information contained in the postponement execution information, the account ledger (or loan account ledger) stored in the ledger D / B on the financial system associated with the computer processing system It is desirable to include checking that the match with.

Referring to FIG. 2, the computer processing server 200 may include a customer ledger corresponding to customer information included in the received (or received and validated) deferred execution information and a type loaned by the customer. If, the information inquiry unit 240 (or information inquiry means) for querying one or more mortgage including the information on the collateral, and the customer ledger and the security ledger inquired through the information inquiry unit 240 And an information generating unit 225 (or information generating means) for generating combined document information combining the inquiry result information and the report form inquired above.

The information inquiry unit 240 is provided to the collateral when the customer ledger corresponding to the customer information included in the received (or received and validated) deferred execution information and the type loaned by the customer are collateral loans. At least one query for the mortgage ledger including information about.

According to the implementation method of the present invention, the customer ledger inquiry corresponding to the customer information included in the postponement execution information includes processing the customer information included in the received (or received and validated) postponement execution information. It is preferable to query the customer ledger for the customer by checking the matching customer ledger among the customer ledgers stored in the ledger D / B on the financial system associated with the system.

According to the method of the present invention, when the loan information included in the deferred execution information is a mortgage loan, the mortgage ledger inquiry including the information on the mortgage is deferred to the received (or the received and validated). It is desirable to query the mortgage ledger for the customer by checking the mortgage ledgers of the mortgage information stored in the ledger D / B on the financial system linked to the computer processing system.

The information generation unit 225 generates combined document information combining the report result information and the inquiry result information of one or more customer ledgers and collateral ledgers inquired through the information inquiry unit 240.

According to the exemplary embodiment of the present invention, the information generating unit 225 includes customer information, loan information, report form information and the information inquiry unit 240 included in the deferred execution information received through the information receiving unit 215. Generate document content including one or more of the customer ledger information and the collateral ledger information included in the inquiry result information inquired through the document file, and include a document file (for example, a Portable Document Format (PDF) file, or EDI) 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 information generating unit 225 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 215, and the document content. Document information (eg, PDF) containing document content including the watermarking after including at least one or more information of the customer information, loan information, report form information included in the postpone execution information in a watermarking method (for example, PDF) (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is preferable to process the combined document information for.

Alternatively, the information generating unit 225 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 215, and the document content. It is preferable to process an image file including captured image content (eg, image content generated by capturing the document content on a memory) as combined document information for the loan deferral related document computation processing.

Alternatively, the information generating unit 225 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 215, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). After inclusion in a watermarking method, it is preferable to process the image file including the image content including the watermarking as combined document information for the computer processing of the loan deferral-related documents.

According to another exemplary embodiment of the present invention, the information generator 225 includes at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiver 215. A predetermined document file (eg, a Portable Document Format (PDF) file) including document content generated from the document content and capturing the document content (eg, image content generated by capturing the document content on a memory). , Or 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). It is desirable to process the information.

Alternatively, the information generating unit 225 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 215, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC file, etc.) is generated that generates image content including the watermarking method and includes the watermarking image content. L) by generating a word processor file including at least one, or a web document file including MHT) It is preferably treated with a combined document information for documents of computational processing.

According to another embodiment of the present invention, the information generating unit 225 includes at least one or more customer information, loan information, report form information included in the deferred execution information received through the information receiving unit 215. A predetermined document file (eg, PDF) including document content generated from the document content, the image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory), and the deferred execution information. Computing the loan deferral-related document by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is preferable to process the combined document information for processing.

Alternatively, the information generating unit 225 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 215, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). Generating an image content including a watermarking method, and including a watermarking image content and a deferred execution information (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, Or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to treatment with combined information documents for the loan smoke computerized documents.

Those skilled in the art to which the present invention pertains, the information generating unit 225 is a technical feature to generate the combined document information of the image file format and / or a predetermined document file format and the combined document information Since the technical features of the file format for the corresponding image file and / or document file will be familiar, detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the computer processing server 200 automatically converts the generated combined document information into an image conversion processing unit 245 (or image conversion processing unit), and the image converted processing of the combined document information. It characterized in that it comprises an information storage unit 250 (or information storage means) for storing in the storage medium 255.

The image conversion processor 245 converts the combined document information generated by the information generation unit 225 into an image, and converts the combined document information converted into the image into the information storage unit 250. It is stored in the storage medium 255 in association with.

The converting of the combined document information into an image may include generating document content including the combined document information and capturing the image content (eg, capturing the document content on a memory). By generating the generated image content), it is preferable to convert the combined document information into an image.

The information storage unit 250 stores the combined document information processed by the image conversion on the storage medium 255.

The combined document data may be classified and stored in connection with the customer information in the storage medium 255, or may be classified and stored in connection with the employee information to process the loan deferral task by querying the combined document data.

3 is a diagram illustrating a process of identifying a target customer for the computer processing of loan deferral-related documents according to an embodiment of the present invention.

In more detail, in FIG. 3, an employee terminal on the computer processing system shown in FIG. 2 transmits a maturity loan inquiry request information for computer processing of a loan deferral related document to the computer processing server 200 through a predetermined network means. In response to the loan inquiry request information, the computer processing server 200 confirms the customer information and the loan information for one or more customers who have a loan product that has reached the loan expiration date and checks the customer information. And a process of providing the employee terminal after generating a list of borrowing products held by a maturity based on loan information, and having a general knowledge in the technical field to which the present invention pertains. And / or infer a variety of implementation methods on how to identify customers who have reached maturity for loan deferral documentation As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 3, the computer processing server 200 on the computer processing system shown in FIG. 2 is referred to as "server" for convenience, and the employee terminal on the computer processing system shown in FIG. 2 is called "terminal" for convenience.

Referring to FIG. 3, the terminal on the computer processing system shown in FIG. 2 connects to the server through the network means and connects a communication channel for computer processing of loan deferral related documents (300).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server according to the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means, the document related to the loan deferral Since the technical characteristics of connecting the communication channel for computer processing will be familiar, detailed description thereof will be omitted for convenience.

When the communication channel for computer processing loan deferral related documents is connected between the terminal and the server as described above, the terminal inputs the maturity loan request information input interface for processing the loan deferral related documents through the communication channel. Request a screen (305), and in response, the server generates (or selects) a maturity loan inquiry request information input interface screen including a user interface for inputting (or selecting) the maturity loan inquiry request information from the terminal; Extraction (310), and transmits the generated (or extracted) maturity loan inquiry request information input interface screen to the terminal through the communication channel (315).

Thereafter, the terminal inputs (or selects) the maturity loan loan request information through the user interface included in the maturity loan loan inquiry request information input interface screen for input (or selection) of the maturity loan loan inquiry request information. Process 320.

If the terminal maturity loan inquiry request information is input (or selected) in the terminal (325), the terminal transmits the maturity loan request information to the server through the communication channel (330) and correspondingly The server receives the maturity loan inquiry request information transmitted from the terminal through the communication channel, at least one customer information having a loan product due to correspond to the received maturity loan inquiry request information and the customer Check the loan information for the loan product held (335).

According to the implementation method of the present invention, the computer processing processing for loan deferral related documents requested by the employee in charge, the customer using one or more loan services through the ledger D / B provided on the financial system associated with the computer processing system By checking the customer ledger for and the loan account ledger associated with the confirmed customer ledger, it is desirable to identify the customer holding the loan product that has reached the maturity.

According to another embodiment of the present invention, the computer processing processing for loan deferral related documents requested by the employee in charge, through the loan account ledger provided in the ledger D / B provided on the financial system associated with the computer processing system It is preferable to confirm the customer holding the loan product that has reached the maturity by confirming the loan account ledger, the loan product information that has reached the expiration date, and the customer ledger associated with the confirmed loan account ledger.

Persons having ordinary technical knowledge in the technical field to which the present invention belongs may be familiar with technical features of the method and / or process of identifying a customer who has a loan product due to the employee requesting an inquiry. Therefore, detailed description thereof will be omitted for convenience.

In response to the received maturity loan inquiry request information, if the customer information and loan information holding the loan product that has reached maturity is not confirmed (340), the server may provide information indicating that there is no customer holding the loan product at maturity. It generates (or extracts) and transmits the data to the terminal through the communication channel and outputs the processed data (345).

On the other hand, when the customer information and loan information holding the loan product has reached maturity in response to the received maturity loan inquiry request information (340), the server is based on the confirmed customer information and loan information A loan product holding customer list is generated (350) and the generated maturity loan product holding customer list is transmitted to the terminal through the communication channel and processed to be output (355).

Here, the loan product holding customer list information, it is preferable that the customer information holding one or more loan products due to expiration, and one or more loan information held by the customer.

4 is a diagram illustrating a process for computing a loan deferral related document according to an exemplary embodiment of the present invention.

In more detail, FIG. 4 shows customer information of one or more customers who have a loan product whose loan expiration has reached due to the process shown in FIG. After receiving the list of maturity loan product holding customers including the loan information, and the storage medium by computerizing the necessary documents for the extension of the loan has reached maturity based on the received maturity loan product list As shown in Figure 255, a process of computing a loan deferral-related document may be inferred by referring to and / or modifying the present invention, but the present invention may infer all of the inferences. It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the computer processing server 200 on the computer processing system shown in FIG. 2 will be referred to as " server " for convenience, and the employee counter 260 on the computer processing system shown in FIG. Terminal ".

Referring to FIG. 4, the terminal on the computer processing system shown in FIG. 2 is one or more pieces of customer information and loans borrowed by the customer from a server through a communication channel connected between the terminal and the server according to the process shown in FIG. Receiving a list of ten thousand loan product holding customers including one or more information (400), and requesting the postpone execution information input interface screen for computer processing loan deferral related documents through the communication channel (405), Correspondingly, the server generates (or extracts) a postpone execution information input interface screen including a user interface for inputting (or selects) the postpone execution information (410), and inputs the generated (or extracted) postpone execution information. The interface screen is transmitted to the terminal through the communication channel (415).

Thereafter, the terminal processes the deferred execution information to be input (or selected) through the user interface included in the deferred execution information input interface screen for inputting (or selecting) the deferred execution information (420).

If the deferred execution information is input (or selected) in the terminal (425), the terminal transmits the deferred execution information to the server through the communication channel (430), and correspondingly, the server transmits the deferred execution information. After receiving the deferred execution information transmitted from the terminal through, and confirms the validity of the received deferred execution information (435).

According to an embodiment of the present invention, the validation of the postponement execution information may include determining whether at least one ledger information matching the postponement execution information is registered in the ledger D / B on the financial system associated with the computer processing system. It is preferable to include what is included.

For example, the validity confirming unit 235 stores the customer information (customer personal information, member information, etc.) stored in the ledger D / B on the financial system linked with the computer processing system among the information included in the postponement execution information. It is preferable to include checking whether the match with the customer ledger.

In addition, the validity of the postponement execution information, the information contained in the postponement execution information, the account ledger (or loan account ledger) stored in the ledger D / B on the financial system associated with the computer processing system It is desirable to include checking that the match with.

If the validity of the received deferred execution information is not confirmed (440), the server generates (or extracts) validation error information on the received deferred execution information, and the generated (or extracted) validity. The acknowledgment error information is transmitted to the terminal through the communication channel to be output (445).

On the other hand, if the validity of the received postponement execution information is confirmed (440), the server inquires the customer ledger information corresponding to the received postponement execution information (450), combining the inquired customer ledger and the report form After generating the combined document information (455), the generated combined document is converted into an image (460) and stored in the storage medium 255 shown in Figure 2 (465).

According to the implementation method of the present invention, the customer ledger inquiry corresponding to the customer information included in the postponement execution information includes processing the customer information included in the received (or received and validated) postponement execution information. It is preferable to query the customer ledger for the customer by checking the matching customer ledger among the customer ledgers stored in the ledger D / B on the financial system associated with the system.

According to the exemplary embodiment of the present invention, the information generating unit 225 includes customer information, loan information, report form information and the information inquiry unit 240 included in the deferred execution information received through the information receiving unit 215. Generate document content including one or more of the customer ledger information included in the inquiry result information retrieved through the document file, and include a document file (eg, a Portable Document Format (PDF) file or an electronic data interchange (EDI) file) including the document content. File, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), etc.) may be processed as combined document information for computing the loan deferral related document.

Alternatively, the information generating unit 225 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 215, and the document content. After including at least one or more information of the customer information, loan information, report form information included in the deferred execution information in a watermarking (Watermarking) method, and a document file containing the document content including the watermarking (for example, Computer processing such as 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) It is preferable to process the combined document information for.

Alternatively, the information generating unit 225 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 215, and the document content. It is preferable to process an image file including captured image content (eg, image content generated by capturing the document content on a memory) as combined document information for the loan deferral related document computation processing.

Alternatively, the information generating unit 225 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 215, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). After the watermarking method is included, it is preferable to process the image file including the image content including the watermarking as combined document information for processing the loan deferral related documents.

According to another exemplary embodiment of the present invention, the information generating unit 225 may include at least one document including customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 215. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; Or 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). It is preferable to treat with.

Alternatively, the information generating unit 225 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 215, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC file, etc.) is generated that generates image content including the watermarking method and includes the watermarking-containing image content. L) by generating a word processor file including at least one, or a web document file including MHT) It is preferably treated with a combined document information for documents of computational processing.

According to another embodiment of the present invention, the information generating unit 225 includes at least one or more customer information, loan information, report form information included in the deferred execution information received through the information receiving unit 215. A predetermined document file (eg, PDF) including document content generated from the document content, the image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory), and the deferred execution information. Computing the loan deferral-related document by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is preferable to process the combined document information for processing.

Alternatively, the information generating unit 225 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 215, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). Generating an image content including a watermarking method, and including a watermarking image content and a deferred execution information (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, Or a word processor file including at least one of HWP / DOC, or a web document file including MHT). In addition, it is preferable to process the combined document information for processing the loan deferral related documents.

Those skilled in the art to which the present invention pertains, the information generating unit 225 is a technical feature to generate the combined document information of the image file format and / or a predetermined document file format and the combined document information Since the technical features of the file format for the corresponding image file and / or document file will be familiar, detailed description thereof will be omitted for convenience.

The converting of the combined document information into an image may include generating document content including the combined document information and capturing the image content (eg, capturing the document content on a memory). By generating the generated image content), it is preferable to convert the combined document information into an image.

5 is a diagram illustrating a process for computing a loan deferral related documents according to another exemplary embodiment of the present invention.

In more detail, FIG. 5 shows the customer information of one or more customers who have a loan product with the loan expiration due to the process shown in FIG. After receiving the list of maturity loan product holding customers including the loan information, and the storage medium by computerizing the necessary documents for the extension of the loan has reached maturity based on the received maturity loan product list As shown in FIG. 255, a process of computing a loan deferral-related document may be inferred by referring to and / or modifying the drawing 5, but the present invention may infer all of the inferences. It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the computer processing server 200 on the computer processing system shown in FIG. 2 is referred to as " server " for convenience, and the employee counter 260 on the computer processing system shown in FIG. Terminal ".

Referring to FIG. 5, the terminal on the computer processing system illustrated in FIG. 2 may include one or more pieces of customer information and loans borrowed by the customer from a server through a communication channel connected between the terminal and the server according to the process illustrated in FIG. 3. Receiving a list of borrowing products held by the borrowing maturity containing one or more information (500), and requests the postpone execution information input interface screen for computer processing processing of loan deferral related documents through the communication channel (505), corresponding to this The server generates (or extracts) a postpone execution information input interface screen including a user interface for inputting (or selects) the postpone execution information (510), and generates (or extracts) the postpone execution information input interface. The screen is transmitted to the terminal through the communication channel (515).

Thereafter, the terminal processes the delay execution information to be input (or selected) through the user interface included in the delay execution information input interface screen for inputting (or selecting) the delay execution information (520).

If the deferred execution information is input (or selected) in the terminal (525), the terminal transmits the deferred execution information to the server through the communication channel (530), and correspondingly the server transmits the deferred execution information. After receiving the postpone execution information transmitted from the terminal through the check the validity of the received postpone execution information (535).

According to an embodiment of the present invention, the validation of the postponement execution information may include determining whether at least one ledger information matching the postponement execution information is registered in the ledger D / B on the financial system associated with the computer processing system. It is preferable to include what is included.

For example, the validity confirming unit 235 stores the customer information (customer personal information, member information, etc.) stored in the ledger D / B on the financial system linked with the computer processing system among the information included in the postponement execution information. It is preferable to include checking whether the match with the customer ledger.

In addition, the validity of the postponement execution information, the information contained in the postponement execution information, the account ledger (or loan account ledger) stored in the ledger D / B on the financial system associated with the computer processing system It is desirable to include checking that the match with.

If the validity of the received deferred execution information is not confirmed (540), the server generates (or extracts) validation error information on the received deferred execution information, and the generated (or extracted) validity. The acknowledgment error information is transmitted and output to the terminal through the communication channel (545).

On the other hand, if the validity of the received deferred execution information is confirmed (540), the server inquires the customer ledger information, collateral ledger information corresponding to the received deferred execution information (550), the inquired customer ledger. After generating the combined document information combining the security ledger and the report form (555), the generated combined document is converted into an image (560) and stored in the storage medium 255 shown in FIG. 2 (565). .

According to the implementation method of the present invention, the customer ledger inquiry corresponding to the customer information included in the postponement execution information includes processing the customer information included in the received (or received and validated) postponement execution information. It is preferable to query the customer ledger for the customer by checking the matching customer ledger among the customer ledgers stored in the ledger D / B on the financial system associated with the system.

According to the method of the present invention, when the loan information included in the deferred execution information is a mortgage loan, the mortgage ledger inquiry including the information on the mortgage is deferred to the received (or the received and validated). It is desirable to query the mortgage ledger for the customer by checking the mortgage ledgers of the mortgage information stored in the ledger D / B on the financial system linked to the computer processing system.

According to the exemplary embodiment of the present invention, the information generating unit 225 includes customer information, loan information, report form information and the information inquiry unit 240 included in the deferred execution information received through the information receiving unit 215. Generate document content including one or more of the customer ledger information included in the inquiry result information retrieved through the document file, and include a document file (eg, a Portable Document Format (PDF) file or an electronic data interchange (EDI) file) including the document content. File, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), etc.) may be processed as combined document information for computing the loan deferral related document.

Alternatively, the information generating unit 225 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 215, and the document content. Document information (eg, PDF) containing document content including the watermarking after including at least one or more information of the customer information, loan information, report form information included in the postpone execution information in a watermarking method (for example, PDF) (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is preferable to process the combined document information.

Alternatively, the information generating unit 225 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 215, and the document content. It is preferable to process an image file including captured image content (eg, image content generated by capturing the document content on a memory) as combined document information for the loan deferral related document computation processing.

Alternatively, the information generating unit 225 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 215, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). After inclusion in a watermarking method, it is preferable to process the image file including the image content including the watermarking as combined document information for the computer processing of the loan deferral-related documents.

According to another exemplary embodiment of the present invention, the information generating unit 225 may include at least one document including customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 215. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; Or 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). It is preferable to treat with.

Alternatively, the information generator 225 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiver 215, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC file, etc.) is generated that generates image content including the watermarking method and includes the watermarking-containing image content. L) by generating a word processor file including at least one, or a web document file including MHT) It is preferably treated with a combined document information for documents of computational processing.

According to another embodiment of the present invention, the information generating unit 225 includes at least one or more customer information, loan information, report form information included in the deferred execution information received through the information receiving unit 215. A predetermined document file (eg, PDF) including document content generated from the document content, the image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory), and the deferred execution information. Computing the loan deferral-related document by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is preferable to process the combined document information for processing.

Alternatively, the information generating unit 225 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 215, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). Generating an image content including a watermarking method, and including a watermarking image content and a deferred execution information (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, Or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to treatment with combined information documents for the loan smoke computerized documents.

Those skilled in the art to which the present invention pertains, the information generating unit 225 is a technical feature to generate the combined document information of the image file format and / or a predetermined document file format and the combined document information Since the technical features of the file format for the corresponding image file and / or document file will be familiar, detailed description thereof will be omitted for convenience.

The converting of the combined document information into an image may include generating document content including the combined document information and capturing the image content (eg, capturing the document content on a memory). By generating the generated image content), it is preferable to convert the combined document information into an image.

6 is a diagram illustrating a computer processing system for processing a loan deferral related documents according to an embodiment of the present invention.

In more detail, in Figure 6, a predetermined employee terminal accesses a server on a computer processing system through a predetermined network means to request an inquiry about one or more of customer information and loan information for one or more customers whose loans have expired. In order to receive the maturity loan loan request information input through the maturity loan loan inquiry request information input interface screen output to the employee terminal, the loan expiration in response to the received maturity loan loan request information After querying the customer information and loan information for the customer through the financial system, it is characterized in that to generate a loan product holding customer list to maturity based on this and transmit to the employee terminal.

Thereafter, at the employee terminal, the customer information for one or more customers who can postpone the loan, the loan information that has reached maturity, and the report form information about the loan that has reached maturity based on the received maturity loan product holding customer list. If the user inputs (or selects) the postpone execution information including one or more, after receiving it, the customer ledger and the collateral ledger corresponding to the received postponement execution information are inquired, and the corresponding inquiry result data and report form It generates a combined document data combined to be stored in the storage medium 655.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 6 to infer various implementation methods for the construction of a computer processing system for processing the loan deferral related documents. The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, one receives the maturity loan inquiry request information provided from the employee terminal on the computer processing system shown in FIG. 6 and holds the loan product due to correspond to the received maturity loan inquiry request information. After querying one or more customer information and loan information for the customer, and provides the customer terminal information on the loan product holding the loan product including the one or more customer information and the loan information held by the customer, the employee terminal After receiving the postpone execution information including one or more customer information, loan information, report form information corresponding to the loan product holding customer list information provided above, the customer ledger and collateral ledger corresponding to the received postponement execution information At least one means and / or functional configuration for generating the combined document data by querying the above The component corresponding to the " computation processing server 600 "

Referring to FIG. 6 according to an embodiment of the present invention, a computer processing system for processing a loan deferral related document according to the present invention includes at least one employee terminal connected to a predetermined network means, and transmitted from the employee terminal. After receiving the loan inquiry request information maturity, and inquiring the customer information and the loan information held by the customer with respect to the customer holding the loan product has expired in response to the received maturity loan inquiry request information, Sending one or more customer information and loan information to the employee terminal, and receives the postponement execution information including one or more customer information, loan information, report form information corresponding to the loan product holding customer list information provided from the employee terminal Then, search for one or more customer ledgers and collateral ledgers corresponding to the received deferred execution information. Computation processing server 600 for generating data, a storage medium 655 for storing the combined document data generated by the computing processing server 600, and the expiration at the request of the computing processing server 600 It includes a financial system for managing the customer information for the customer holding a loan product, and the ledger D / B where the loan information is stored.

The computer processing system includes a predetermined financial system for computer processing corresponding to a financial transaction (eg, credit, receiving, currency exchange, foreign currency remittance, financial investment) service for computer processing of the loan deferral related document. It is done.

According to an embodiment of the present invention, the financial system is connected to at least one or more window terminals provided at a branch (or branch) of the financial institution through a predetermined financial network (eg, a branch network). It is desirable to provide a ledger management and computerized processing function for face-to-face financial transaction processing in connection with the counter terminal for computer processing of loan deferral related documents.

The financial system may include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, and / or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (or branch of another financial institution) and / or at least one financial terminal provided in a public place and connected through a predetermined financial network (eg, a CD common network). Characterized in that, it is desirable to provide a ledger management and computerized processing function for the non-face-to-face financial transaction processing in connection with the financial terminal for the computer processing of the loan deferral related documents.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network connected to a TCP / IP-based backbone network (eg, wired Internet, and through the Internet banking server for processing the loan deferral related documents) And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) connected to an IEEE 802.11x based wireless LAN, and / or an IEEE 802.16x based portable Internet, and / Or it is desirable to provide a ledger management and computer processing function for the non-face-to-face financial transaction processing in connection with a laptop, the laptop and / or portable terminal equipped with the wireless LAN / mobile Internet access and browsing function.

In addition, the financial system is characterized in that it is linked to a predetermined wireless banking server, through the wireless banking server for the computer processing of the loan deferral related documents based on a predetermined wireless network (for example, Code Division Multiple Access (CDMA)) PCS (Personal) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions in conjunction with a communication system and / or a global system for mobile (GSM) terminal and / or a personal digital assistant (PDA) and / or a smart phone and / or telematics) It is desirable to provide ledger management and computational processing functions for the treatment.

In addition, the financial system is characterized in that it is linked to a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, CDMA (Code CDMA) through the IC chip-based wireless banking server for the computer processing of the loan deferral related documents) At least one wireless terminal (e.g., a wireless IC equipped with a financial IC chip) connected to a mobile communication network based on Division Multiple Access) and / or an IEEE 802.16x based mobile Internet, and / or a DataTAC / Mobitex based wireless data communication network. ), It is desirable to provide ledger management and computerized processing for non-face-to-face financial transactions.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, a predetermined wired voice telephone network (eg, public switched telephone network through the telebanking server for the computer processing of the loan deferral related documents) At least one wired communication terminal (e.g., a telephone) connected to a PSTN) and / or at least one wireless communication terminal (e.g., a mobile communication network based on a code division multiple access (CDMA)). (Eg, cellular and / or PCS and / or GSM terminals and / or smartphones, etc.) It is desirable to provide ledger management and computational processing for non-face-to-face financial transaction processing.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, home network) connected to a predetermined home network through the home banking server for the computer processing of the loan deferral related documents It is desirable to provide ledger management and computational processing for non-face-to-face financial transaction processing in connection with digital TVs and / or refrigerators connected thereto.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV connected to a predetermined return channel (Return Channel) through the TV banking server for processing the loan deferral related documents ( For example, it is desirable to provide a ledger management and computer processing function for non-face-to-face financial transaction processing in connection with two-way digital TV, satellite DMB terminal, terrestrial DMB terminal, etc.).

Referring to FIG. X, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking) provided in at least one or more external communication networks. , Telebanking, TV banking, etc.) to the financial system, and / or And an external system that provides a variety of financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. It is characterized in that it comprises a DBMS (Database Management System) including at least one or more databases for storing and managing.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

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

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

Referring to FIG. 6 according to an embodiment of the present invention, the computer processing system for processing the loan deferral related documents includes an employee terminal including a teller terminal provided in at least one branch (or branch) of a financial institution. The employee terminal is connected to the computer processing server 600 provided on the computer processing system through a predetermined network means (eg, a financial network).

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the computer processing server 600 connected to the window terminal is a server provided on a predetermined financial system (Eg, a ledger server, etc.), and the network means (eg, a financial network) connecting the teller terminal and the computer processing server 600 communicates between the teller terminal and the computer processing server 600. It is preferable to include a network for connecting the channels.

According to an embodiment of the present invention, the computer processing server 600 connects and manages a predetermined communication channel with the employee terminal through the network means in order to provide a web interface corresponding to the employee terminal and the network means. And an interface unit 605 (or interface means), whereby the computer processing server 600 functions as a web server to communicate with the employee terminal through a wired communication network and / or a wireless communication network. Equipped.

According to an exemplary embodiment of the present invention, when the employee terminal is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP or UDP / IP, the interface unit 605 may connect the employee terminal to HTTP (Hyper-). Connect a predetermined communication channel based on a Text Transfer Protocol protocol, and through the communication channel, a maturity loan inquiry request information input interface screen and / or information in the form of a Hyper-Text Markup Language (HTML) compatible document to the employee terminal It is preferable to perform a function of transmitting and outputting a provision screen and receiving and processing predetermined maturity loan inquiry request information input (or selected) through the maturity loan inquiry request information input interface screen from the employee terminal.

According to another exemplary embodiment of the present invention, when the employee terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 605 may connect to the employee terminal and a WAP (Wireless Application Protocol) and / or Existing loan inquiry request information input interface screen in the form of WML (Wireless Markup Language) and / or HTML compatible document to connect a predetermined communication channel based on the ME (Mobile Explorer) protocol, and to the employee terminal through the communication channel; And / or transmits and outputs an information providing screen, and receives and processes predetermined maturity loan inquiry request information corresponding to the maturity loan request information input interface screen from the employee terminal.

According to another exemplary embodiment of the present invention, when the employee terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 605 may comply with the employee terminal and the IEEE 802.16x standard. Connect a predetermined communication channel based on a corresponding wireless protocol, transmit and output a predetermined maturity loan inquiry request information input interface screen and / or an information providing screen to the employee terminal through the communication channel, and output the employee terminal. And performing a function of receiving and processing predetermined maturity loan inquiry request information corresponding to the maturity loan loan request information input interface screen from the mobile terminal, and / or the employee terminal via an IEEE 802.11x based wireless communication network. When the communication channel is a wireless terminal connected, the interface unit 605 is the employee terminal and the IEEE 8 Connect a predetermined communication channel based on a wireless protocol corresponding to the 02.11x standard, and transmit and output a predetermined maturity loan inquiry request information input interface screen and / or information providing screen to the employee terminal through the communication channel. It is preferable to perform a function of receiving and processing predetermined maturity loan inquiry request information corresponding to the maturity loan loan inquiry request information input interface screen from the employee terminal.

Referring to FIG. 6, when the predetermined employee terminal is connected to the computer processing server 600 through the interface unit 605, the computer processing server 600 interworks with the interface unit 605. Interface providing unit 610 (or interface providing means) for generating (or extracting) a predetermined maturity loan inquiry request information input interface screen for inputting (or selecting) and sending a predetermined maturity loan inquiry request information. And an information receiving unit 615 that receives the maturity loan inquiry request information that is input (or selected) and transmitted through the maturity loan inquiry request information input interface screen in the employee terminal in association with the interface unit 605. (Or information receiving means).

The interface providing unit 610, when a predetermined employee terminal is connected to the computer processing server 600 through the interface unit 605, the functional configuration provided in the employee terminal (eg, a browser program provided in the employee terminal) Generate (or select) predetermined maturity loan retrieval request information and generate a predetermined maturity loan retrieval request information input interface screen for transmitting to the computer processing server 600 through the network means; And / or extract the maturity loan inquiry request information input interface screen generated from the predetermined database (not shown) and linked with the interface unit 605 to the employee terminal through the network means. It is characterized by providing.

Thereafter, the employee terminal inputs (or selects) predetermined maturity loan inquiry request information based on the maturity loan loan inquiry request information input interface screen, and the maturity loan loan inquiry request information is input (or selected). If confirmed, the employee terminal transmits the input (or selected) maturity loan inquiry request information to the computer processing server 600 through the network means.

If the person having ordinary knowledge in the technical field to which the present invention belongs, through the at least one form (Form) form included in the maturity loan inquiry request information input interface screen in the staff terminal to view the maturity loan request information Understand the technical characteristics of input (or selection) and the technical characteristics of transmitting the input (or selection) maturity loan inquiry request information to the computer processing server 600 through a communication protocol provided by the network means. Since there will be, a detailed description thereof will be omitted for convenience.

The information receiving unit 615 inputs (or selects) predetermined maturity loan inquiry request information through the network means through the maturity loan loan inquiry request information input interface screen at the employee terminal and transmits it through the network means. In operation 605, the maturity loan request information may be received.

Referring to FIG. 6, the computer processing server 600 corresponds to one or more loan service customers processed (or in charge) processed by the employee in response to the maturity loan inquiry request information received through the information receiver 615. A maturity loan product including an information checking unit 620 (or information checking means) for identifying one or more customers who have a loan product due to maturity and one or more customers identified through the information checking unit 620. An information generating unit 625 (or information generating means) for generating holding customer list information, and an information providing unit 630 (or information providing means for providing the generated terminal loan product holding customer list information to the employee terminal); It is characterized by consisting of).

When the maturity origin loan inquiry request information received through the information receiver 615 is received, the information verification unit 620 processes (or is in charge of) the employee in response to the received maturity loan inquiry request information. The loan service customer is characterized by identifying the customer holding the loan product has reached maturity.

According to an embodiment of the present invention, the one or more customer confirmations corresponding to the customer inquiry request that the employee has a loan product due to expire, the ledger D / B provided on the financial system associated with the computer processing system It is desirable to identify one or more customers with loan products that have reached their maturity by identifying the customer ledgers for one or more customers using one or more loan services, and further checking the loan account ledgers associated with the identified customer ledgers. Do.

According to another embodiment of the present invention, at least one customer confirmation corresponding to the customer inquiry request having the loan product due to the employee is sent to the ledger D / B provided on the financial system associated with the computer processing system. Through the loan account ledger provided, the loan account ledger storing the loan product information that has reached maturity and the customer ledger associated with the confirmed loan account ledger are used to identify one or more customers who have the loan product that has reached the maturity. It is desirable to confirm.

Those skilled in the art to which the present invention pertains may include technical features of methods and / or processes for identifying one or more customers in response to a customer inquiry request having a loan product due to the employee. Since it will be understood, detailed description thereof will be omitted for convenience.

When the customer information and the loan information are confirmed through the information checking unit 620, the information generating unit 625 holds the loan product including one or more of the checked customer information and loan information loaned by the customer. And generating customer list information.

Here, the loan product holding customer list information, it is preferable that the customer information holding one or more loan products due to expiration, and one or more loan information held by the customer.

Thereafter, the information providing unit 630 may provide the generated loan product holding customer list information to the employee terminal in connection with the interface providing unit 610.

According to an embodiment of the present invention, the computer processing server 600 connects and manages a predetermined communication channel with the employee terminal through the network means in order to provide a web interface corresponding to the employee terminal and the network means. And an interface unit 605 (or interface means), whereby the computer processing server 600 functions as a web server to communicate with the employee terminal through a wired communication network and / or a wireless communication network. Equipped.

According to an exemplary embodiment of the present invention, when the employee terminal is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP or UDP / IP, the interface unit 605 may connect the employee terminal with HTTP (Hyper-). A predetermined communication channel is connected based on a Text Transfer Protocol (Text Transfer Protocol) protocol, and a postpone execution information input interface screen and / or an information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is provided to the employee terminal through the communication channel. It is preferable to perform a function of transmitting and outputting, and receiving and processing predetermined deferment execution information input (or selected) through the deferment execution information input interface screen from the employee terminal.

Here, the deferred execution information corresponds to customer information of one or more customers who can postpone loan among the customers included in the provided maturity loan product list, and loan products that have expired among the loan products held by the customer. Loan information, and characterized in that it comprises one or more report form information for the loan has expired.

According to another exemplary embodiment of the present invention, when the employee terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 605 may connect to the employee terminal and a WAP (Wireless Application Protocol) and / or Connect a predetermined communication channel based on the ME (Mobile Explorer) protocol, and through the communication channel, the execution execution information input interface screen and / or information in the form of WML (Wireless Markup Language) and / or HTML compatible document to the employee terminal. It is preferable to perform a function of transmitting and outputting a provision screen and receiving and processing predetermined acting execution information corresponding to the acting execution information input interface screen from the employee terminal.

According to another exemplary embodiment of the present invention, when the employee terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 605 may comply with the employee terminal and the IEEE 802.16x standard. Connect a predetermined communication channel based on a corresponding wireless protocol, transmit and output a predetermined execution execution information input interface screen and / or an information providing screen to the employee terminal through the communication channel, and output the delayed message from the employee terminal. It is preferable to perform a function of receiving and processing predetermined deferred execution information corresponding to the execution information input interface screen, and / or when the employee terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless communication network. The interface unit 605 is based on a wireless protocol corresponding to the employee terminal and the IEEE 802.11x standard. Connect a predetermined communication channel, transmit and output a predetermined execution execution information input interface screen and / or an information providing screen to the employee terminal through the communication channel, and correspond to the delay execution execution information input interface screen from the employee terminal. It is preferable to perform a function of receiving and processing predetermined deferred execution information.

Referring to FIG. 6, when the predetermined employee terminal is connected to the computer processing server 600 through the interface unit 605, the computer processing server 600 interworks with the interface unit 605. An interface providing unit 610 (or interface providing means) for generating (or extracting) a predetermined postpone execution information input interface screen for inputting (or selecting) and transmitting predetermined postpone execution information from the interface unit; And an information receiving unit 615 (or information receiving means) for receiving the deferment execution information inputted (or selected) and transmitted through the deferment execution information input interface screen in the employee terminal in cooperation with 605. It is done.

The interface providing unit 610, when a predetermined employee terminal is connected to the computer processing server 600 through the interface unit 605, the functional configuration provided in the employee terminal (eg, a browser program provided in the employee terminal) Generate (or select) predetermined deferred execution information and transmit the predetermined deferred execution information input interface screen through the network means to the computer processing server 600, and / or a predetermined database It is characterized in that it is extracted from (not shown), and provides the generated (or extracted) postpone execution information input interface screen to the staff terminal through the network means in association with the interface unit 605.

Thereafter, the employee terminal inputs (or selects) predetermined delay execution information on the basis of the delay execution information input interface screen, and when it is confirmed that the delay execution information is input (or selected), the employee terminal is connected to the network. The deferred execution information input (or selected) is transmitted to the computer processing server 600 through a means.

Those skilled in the art to which the present invention pertains, inputting (or selecting) the postpone execution information through at least one form form included in the postpone execution information input interface screen in the employee terminal. The technical features and technical features for transmitting the input (or selected) deferred execution information to the computer processing server 600 through a communication protocol provided by the network means will be understood. Omit.

The information receiving unit 615 inputs (or selects) predetermined postpone execution information through the postpone execution information input interface screen at the employee terminal and transmits it through the network means, in conjunction with the interface unit 605, Receive postpone execution information.

Referring to FIG. 6, when the deferred execution information transmitted from the employee terminal is received through the information receiving unit 615, the computer processing server 600 receives the deferred execution information for the customer using the loan service. Characterized in that it comprises a validity check unit 635 (or validity check means) for checking whether the validity for the loan management.

According to the method of the present invention, the validity of the postponement execution information is determined whether at least one ledger information matched with the postponement execution information is registered in the ledger D / B on the financial system associated with the computer processing system. It is preferable that it consists of including.

For example, the validity confirmation unit 635 stores the customer information (customer personal information, member information, etc.) among the information included in the postponement execution information stored in the ledger D / B on the financial system associated with the computer processing system. It is preferable to include checking whether the match with the customer ledger.

In addition, the validity of the postponement execution information, the information contained in the postponement execution information, the account ledger (or loan account ledger) stored in the ledger D / B on the financial system associated with the computer processing system It is desirable to include checking that the match with.

Referring to FIG. 6, the computer processing server 600 may include a customer ledger corresponding to customer information included in the received (or received and validated) deferred execution information and a type loaned by the customer. In the case, the information inquiry unit 640 (or information inquiry means) for querying one or more mortgage ledger including the information on the collateral, and the customer ledger and the security ledger inquired through the information inquiry unit 640 And an information generating unit 625 (or information generating means) for generating combined document data in which the inquiry result data and the report form inquired above are combined.

The information inquiry unit 640 is provided with the collateral when the customer ledger corresponding to the customer information included in the received (or received and validated) deferred execution information and the type loaned by the customer are collateral loans. At least one query for the mortgage ledger including information about.

According to the implementation method of the present invention, the customer ledger inquiry corresponding to the customer information included in the postponement execution information includes processing the customer information included in the received (or received and validated) postponement execution information. It is preferable to query the customer ledger for the customer by checking the matching customer ledger among the customer ledgers stored in the ledger D / B on the financial system associated with the system.

According to the method of the present invention, when the loan information included in the deferred execution information is a mortgage loan, the mortgage ledger inquiry including the information on the mortgage is deferred to the received (or the received and validated). It is desirable to query the mortgage ledger for the customer by checking the mortgage ledgers of the mortgage information stored in the ledger D / B on the financial system linked to the computer processing system.

The information generation unit 625 generates combined document data combining a report form and inquiry result data in which one or more of the customer ledger and the security ledger inquired through the information inquiry unit 640 are inquired.

According to an exemplary embodiment of the present invention, the information generating unit 625 may include customer information, loan information, report form information, and the information inquiry unit 640 included in the deferred execution information received through the information receiving unit 615. Generate document content including one or more of the customer ledger information and the collateral ledger information included in the inquiry result data inquired through the document file, and include a document file (eg, a Portable Document Format (PDF) file, or EDI) Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) may be processed as combined document data for computing the loan deferral related document. .

Alternatively, the information generating unit 625 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 615, and the document content. Document information (eg, PDF) containing document content including the watermarking after including at least one or more information of the customer information, loan information, report form information included in the postpone execution information in a watermarking method (for example, PDF) (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is preferable to process the combined document data.

Alternatively, the information generating unit 625 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 615, and the document content. It is preferable to process an image file including captured image content (eg, image content generated by capturing the document content on a memory) into combined document data for the loan deferral related document computation processing.

Alternatively, the information generating unit 625 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 615, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). After the watermarking method is included, it is preferable to process the image file including the image content including the watermarking as combined document data for computing the loan deferral related document.

According to another exemplary embodiment of the present invention, the information generator 625 includes at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiver 615. A predetermined document file (eg, a Portable Document Format (PDF) file) including document content generated from the document content and capturing the document content (eg, image content generated by capturing the document content on a memory). , Or 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). It is desirable to process it with data.

Alternatively, the information generating unit 625 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 615, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC file, etc.) is generated that generates image content including the watermarking method and includes the watermarking-containing image content. L) by generating a word processor file including at least one, or a web document file including MHT) It is preferably treated with a combined document data for the document computerized.

According to another embodiment of the present invention, the information generating unit 625 includes at least one or more customer information, loan information, report form information included in the deferred execution information received through the information receiving unit 615. A predetermined document file (eg, PDF) including document content generated from the document content, the image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory), and the deferred execution information. Computing the loan deferral-related document by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is preferable to process the combined document data for processing.

Alternatively, the information generating unit 625 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 615, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). Generating an image content including a watermarking method, and including a watermarking image content and a deferred execution information (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, Or a word processor file including at least one of HWP / DOC, or a web document file including MHT). Is preferably treated with a combined document data for the loan documents smoke computerized.

Those skilled in the art to which the present invention pertains may include technical features that the information generating unit 625 generates combined document data in an image file format and / or a predetermined document file format, and the combined document data. Since the technical features of the file format for the corresponding image file and / or document file will be familiar, detailed description thereof will be omitted for convenience.

Referring to FIG. 6, the computer processing server 600 automatically converts the generated combined document data into an image conversion processing unit 645 (or image conversion processing unit), and the image converted processing of the combined document data. It characterized in that it comprises an information storage unit 650 (or information storage means) for storing in the storage medium 655.

The image conversion processor 645 converts the combined document data generated by the information generation unit 625 into an image, and converts the combined document data converted into the image into the information storage unit 650. It is stored in the storage medium 655 in association with.

The converting of the combined document data into an image may include generating document content including the combined document data and capturing the generated document content (eg, the document content on a memory). It is preferable to convert the combined document data into an image by generating captured image content).

The information storage unit 650 stores the combined document data processed by the image conversion on the storage medium 655.

The combined document data may be classified and stored in connection with customer information in the storage medium 655, or may be classified and stored in connection with the employee information to process the loan postponement by inquiring the combined document data.

7 is a diagram illustrating a process of identifying a target customer for the computer processing of loan deferral-related documents according to an embodiment of the present invention.

In more detail, in FIG. 7, the employee terminal on the computer processing system illustrated in FIG. 6 transmits the maturity loan request information for computer processing of the loan deferral related documents to the computer processing server 600 through a predetermined network means. In response to the loan expiration request information, the computer processing server 600 confirms the customer information and the loan information for one or more customers who have a loan product that has reached the loan expiration date. And a process of providing the employee terminal after generating a list of borrowing products held by a loan based on loan information, and having a general knowledge in the technical field to which the present invention pertains. And / or infer a variety of implementation methods on how to identify customers who have reached maturity for loan deferral documentation As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

In FIG. 7, the computer processing server 600 on the computer processing system shown in FIG. 6 is referred to as " server " for convenience, and the employee terminal on the computer processing system shown in FIG. 6 is referred to as " terminal "

Referring to FIG. 7, the terminal on the computer processing system shown in FIG. 6 accesses the server through the network means and connects a communication channel for computer processing of loan deferral-related documents (700).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server according to the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means, the document related to the loan deferral Since the technical characteristics of connecting the communication channel for computer processing will be familiar, detailed description thereof will be omitted for convenience.

When the communication channel for computer processing loan deferral related documents is connected between the terminal and the server as described above, the terminal inputs the maturity loan request information input interface for processing the loan deferral related documents through the communication channel. Request a screen (705), and in response, the server generates (or selects) a maturity loan inquiry request information input interface screen including a user interface for inputting (or selecting) the maturity loan inquiry request information from the terminal; And extracts (710) the generated (or extracted) maturity loan inquiry request information input interface screen to the terminal through the communication channel (715).

Thereafter, the terminal inputs (or selects) the maturity loan loan request information through the user interface included in the maturity loan loan inquiry request information input interface screen for input (or selection) of the maturity loan loan inquiry request information. In operation 720, the process is performed.

If the terminal maturity loan inquiry request information is input (or selected) in the terminal (725), the terminal transmits the maturity loan request information to the server through the communication channel (730), and correspondingly The server receives the maturity loan inquiry request information transmitted from the terminal through the communication channel, at least one customer information having a loan product due to correspond to the received maturity loan inquiry request information and the customer Check the loan information for the loan product held (735).

According to the implementation method of the present invention, the computer processing processing for loan deferral related documents requested by the employee in charge, the customer using one or more loan services through the ledger D / B provided on the financial system associated with the computer processing system By checking the customer ledger for and the loan account ledger associated with the confirmed customer ledger, it is desirable to identify the customer holding the loan product that has reached the maturity.

According to another embodiment of the present invention, the computer processing processing for loan deferral related documents requested by the employee in charge, through the loan account ledger provided in the ledger D / B provided on the financial system associated with the computer processing system It is preferable to confirm the customer holding the loan product that has reached the maturity by confirming the loan account ledger, the loan product information that has reached the expiration date, and the customer ledger associated with the confirmed loan account ledger.

Persons having ordinary technical knowledge in the technical field to which the present invention belongs may be familiar with technical features of the method and / or process of identifying a customer who has a loan product due to the employee requesting an inquiry. Therefore, detailed description thereof will be omitted for convenience.

In response to the received maturity loan inquiry request information, if the customer information and loan information holding the loan product that has reached maturity is not confirmed (740), the server may provide information indicating that there is no customer holding the loan product at maturity. A process is generated (or extracted) and transmitted to the terminal through the communication channel and output (step 745).

On the other hand, if the customer information and loan information holding the loan product has expired in response to the received maturity loan inquiry request information is confirmed (740), the server is based on the confirmed customer information and loan information A loan product holding customer list is generated (750), and the generated maturity loan product holding customer list is transmitted to the terminal through the communication channel and processed to be output (755).

Here, the loan product holding customer list information, it is preferable that the customer information holding one or more loan products due to expiration, and one or more loan information held by the customer.

8 is a diagram illustrating a process for computing a loan deferral related document according to an exemplary embodiment of the present invention.

In more detail, FIG. 8 shows customer information of at least one customer who has a loan product whose loan expiration has reached due to the process shown in FIG. 7 by the responsible clerk terminal 660 on the computer processing system shown in FIG. After receiving the list of maturity loan product holding customers including the loan information, and the storage medium by computerizing the necessary documents for the extension of the loan has reached maturity based on the received maturity loan product list As shown in FIG. 655, various implementation methods for a process for computerizing loan deferral-related documents may be inferred by referring to and / or modifying the drawing of FIG. It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the computer processing server 600 on the computer processing system shown in FIG. 6 will be referred to as " server " for convenience, and the employee counter 660 on the computer processing system shown in FIG. Terminal ".

Referring to FIG. 8, the terminal on the computer processing system illustrated in FIG. 6 may include at least one customer information and a loan loaned by the customer from a server through a communication channel connected between the terminal and the server according to the process illustrated in FIG. 7. Receiving a list of ten thousand loan product holding customers including one or more information (800), and requesting the postpone execution information input interface screen for processing the loan deferral related documents to the server through the communication channel (805), Correspondingly, the server generates (or extracts) a postpone execution information input interface screen including a user interface for inputting (or selects) the postpone execution information (810), and inputs the generated (or extracted) postpone execution information. The interface screen is transmitted to the terminal through the communication channel (815).

Thereafter, the terminal processes the deferred execution information to be input (or selected) through the user interface included in the deferred execution information input interface screen for inputting (or selecting) the deferred execution information (820).

If the deferred execution information is input (or selected) in the terminal (825), the terminal transmits the deferred execution information to the server through the communication channel (830), and correspondingly, the server transmits the deferred execution information. After receiving the deferred execution information transmitted from the terminal through, and confirms the validity of the received deferred execution information (835).

According to an embodiment of the present invention, the validation of the postponement execution information may include determining whether at least one ledger information matching the postponement execution information is registered in the ledger D / B on the financial system associated with the computer processing system. It is preferable to include what is included.

For example, the validity confirmation unit 635 stores the customer information (customer personal information, member information, etc.) among the information included in the postponement execution information stored in the ledger D / B on the financial system associated with the computer processing system. It is preferable to include checking whether the match with the customer ledger.

In addition, the validity of the postponement execution information, the information contained in the postponement execution information, the account ledger (or loan account ledger) stored in the ledger D / B on the financial system associated with the computer processing system It is desirable to include checking that the match with.

If the validity of the received deferred execution information is not confirmed (840), the server generates (or extracts) validation error information on the received deferred execution information, and the generated (or extracted) validity. The verification error information is transmitted and output to the terminal through the communication channel (845).

On the other hand, if the validity of the received postponement execution information is confirmed (840), the server inquires the customer ledger information corresponding to the received postponement execution information (850), combining the query with the customer ledger and the report form After generating the combined document data (855), the generated combined document is converted into an image (860) and stored in the storage medium 655 shown in FIG. 6 (865).

According to the implementation method of the present invention, the customer ledger inquiry corresponding to the customer information included in the postponement execution information includes processing the customer information included in the received (or received and validated) postponement execution information. It is preferable to query the customer ledger for the customer by checking the matching customer ledger among the customer ledgers stored in the ledger D / B on the financial system associated with the system.

According to an exemplary embodiment of the present invention, the information generating unit 625 may include customer information, loan information, report form information, and the information inquiry unit 640 included in the deferred execution information received through the information receiving unit 615. Create document content including one or more customer ledger information included in the inquiry result data queried through the document file, and include a document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) file) containing the document content. File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT), may be processed as combined document data for computing the loan deferral related document.

Alternatively, the information generating unit 625 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 615, and the document content. After including at least one or more information of the customer information, loan information, report form information included in the deferred execution information in a watermarking (Watermarking) method, and a document file containing the document content including the watermarking (for example, Computer processing such as 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) It is preferable to process the combined document data.

Alternatively, the information generating unit 625 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 615, and the document content. It is preferable to process an image file including captured image content (eg, image content generated by capturing the document content on a memory) into combined document data for the loan deferral related document computation processing.

Alternatively, the information generating unit 625 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 615, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). After the watermarking method is included, it is preferable to process the image file including the image content including the watermarking as combined document data for the computer processing of the loan deferral related document.

According to another exemplary embodiment of the present invention, the information generating unit 625 includes at least one document including customer information, loan information, report form information included in the deferred execution information received through the information receiving unit 615. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; Or 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). It is preferable to treat with.

Alternatively, the information generating unit 625 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 615, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC file, etc.) is generated that generates image content including the watermarking method and includes the watermarking-containing image content. L) by generating a word processor file including at least one, or a web document file including MHT) It is preferably treated with a combined document data for the document computerized.

According to another embodiment of the present invention, the information generating unit 625 includes at least one or more customer information, loan information, report form information included in the deferred execution information received through the information receiving unit 615. A predetermined document file (eg, PDF) including document content generated from the document content, the image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory), and the deferred execution information. Computing the loan deferral-related document by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is preferable to process the combined document data for processing.

Alternatively, the information generating unit 625 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 615, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). Generating an image content including a watermarking method, and including a watermarking image content and a deferred execution information (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, Or a word processor file including at least one of HWP / DOC, or a web document file including MHT). In addition, it is preferable to process the combined document data for the loan deferral-related document processing.

Those skilled in the art to which the present invention pertains may include technical features that the information generating unit 625 generates combined document data in an image file format and / or a predetermined document file format, and the combined document data. Since the technical features of the file format for the corresponding image file and / or document file will be familiar, detailed description thereof will be omitted for convenience.

The converting of the combined document data into an image may include generating document contents including the combined document data and capturing the generated image contents (eg, capturing the document contents on a memory). By generating the generated image content), it is preferable to convert the combined document data into an image.

9 is a diagram illustrating a process for computing a loan deferral related documents according to another exemplary embodiment of the present invention.

In more detail, FIG. 9 shows customer information of at least one customer who has a loan product with a loan expiration due to the process shown in FIG. 7 by the clerk window 660 on the computer processing system shown in FIG. After receiving the list of maturity loan product holding customers including the loan information, and the storage medium by computerizing the necessary documents for the extension of the loan has reached maturity based on the received maturity loan product list As shown in FIG. 655, various implementation methods for the process for computerizing loan deferral-related documents may be inferred by referring to and / or modifying the drawing of FIG. It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the computer processing server 600 on the computer processing system shown in FIG. 6 is referred to as " server " for convenience, and the employee counter 660 on the computer processing system shown in FIG. Terminal ".

Referring to FIG. 9, the terminal on the computer processing system illustrated in FIG. 6 may include one or more pieces of customer information and a loan loaned by the customer from a server through a communication channel connected between the terminal and the server according to the process illustrated in FIG. 7. Receiving a list of customers holding maturity loan products containing one or more information (900), and requests the postpone execution information input interface screen for computer processing loan deferral related documents through the communication channel (905), corresponding to this The server generates (or extracts) a deferment execution information input interface screen including a user interface for inputting (or selecting) the deferment execution information (910), and generates (or extracts) the deferred execution information input interface. The screen is transmitted to the terminal through the communication channel (915).

Thereafter, the terminal processes (920) the deferred execution information to be input (or selected) through the user interface included in the deferred execution information input interface screen for inputting (or selecting) the deferred execution information.

If the deferral execution information is input (or selected) in the terminal (925), the terminal transmits the deferment execution information to the server through the communication channel (930), and correspondingly, the server transmits the deferral execution information. After receiving the deferred execution information transmitted from the terminal through, and confirms the validity of the received deferred execution information (935).

According to an embodiment of the present invention, the validation of the postponement execution information may include determining whether at least one ledger information matching the postponement execution information is registered in the ledger D / B on the financial system associated with the computer processing system. It is preferable to include what is included.

For example, the validity confirmation unit 635 stores the customer information (customer personal information, member information, etc.) among the information included in the postponement execution information stored in the ledger D / B on the financial system associated with the computer processing system. It is preferable to include checking whether the match with the customer ledger.

In addition, the validity of the postponement execution information, the information contained in the postponement execution information, the account ledger (or loan account ledger) stored in the ledger D / B on the financial system associated with the computer processing system It is desirable to include checking that the match with.

If the validity of the received deferred execution information is not confirmed (940), the server generates (or extracts) validation error information on the received deferred execution information, and the generated (or extracted) validity. The verification error information is transmitted and output to the terminal through the communication channel (945).

On the other hand, if the validity of the received deferred execution information is confirmed (940), the server queries the customer ledger information, collateral ledger information corresponding to the received deferred execution information (950), the customer ledger inquired. After generating the combined document data combining the security ledger and the report form (955), the generated combined document is converted into an image (960) and stored in the storage medium 655 shown in FIG. 6 (965). .

According to the implementation method of the present invention, the customer ledger inquiry corresponding to the customer information included in the postponement execution information includes processing the customer information included in the received (or received and validated) postponement execution information. It is preferable to query the customer ledger for the customer by checking the matching customer ledger among the customer ledgers stored in the ledger D / B on the financial system associated with the system.

According to the method of the present invention, when the loan information included in the deferred execution information is a mortgage loan, the mortgage ledger inquiry including the information on the mortgage is deferred to the received (or the received and validated). It is desirable to query the mortgage ledger for the customer by checking the mortgage ledgers of the mortgage information stored in the ledger D / B on the financial system linked to the computer processing system.

According to an exemplary embodiment of the present invention, the information generating unit 625 may include customer information, loan information, report form information, and the information inquiry unit 640 included in the deferred execution information received through the information receiving unit 615. Create document content including one or more customer ledger information included in the inquiry result data queried through the document file, and include a document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) file) containing the document content. File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT), may be processed as combined document data for computing the loan deferral related document.

Alternatively, the information generating unit 625 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 615, and the document content. Document information (eg, PDF) containing document content including the watermarking after including at least one or more information of the customer information, loan information, report form information included in the postpone execution information in a watermarking method (for example, PDF) (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is preferable to process the combined document data.

Alternatively, the information generating unit 625 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 615, and the document content. It is preferable to process an image file including captured image content (eg, image content generated by capturing the document content on a memory) into combined document data for the loan deferral related document computation processing.

Alternatively, the information generating unit 625 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 615, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). After the watermarking method is included, it is preferable to process the image file including the image content including the watermarking as combined document data for computing the loan deferral related document.

According to another exemplary embodiment of the present invention, the information generating unit 625 includes at least one document including customer information, loan information, report form information included in the deferred execution information received through the information receiving unit 615. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; Or 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). It is preferable to treat with.

Alternatively, the information generating unit 625 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 615, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC file, etc.) is generated that generates image content including the watermarking method and includes the watermarking-containing image content. L) by generating a word processor file including at least one, or a web document file including MHT) It is preferably treated with a combined document data for the document computerized.

According to another embodiment of the present invention, the information generating unit 625 includes at least one or more customer information, loan information, report form information included in the deferred execution information received through the information receiving unit 615. A predetermined document file (eg, PDF) including document content generated from the document content, the image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory), and the deferred execution information. Computing the loan deferral-related document by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is preferable to process the combined document data for processing.

Alternatively, the information generating unit 625 generates document content including at least one of customer information, loan information, and report form information included in the deferred execution information received through the information receiving unit 615, and the document content. Watermarking at least one or more of customer information, loan information, and report form information included in the deferred execution information on the captured image contents (for example, image contents generated by capturing the document contents on a memory). Generating an image content including a watermarking method, and including a watermarking image content and a deferred execution information (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, Or a word processor file including at least one of HWP / DOC, or a web document file including MHT). Is preferably treated with a combined document data for the loan documents smoke computerized.

Those skilled in the art to which the present invention pertains may include technical features that the information generating unit 625 generates combined document data in an image file format and / or a predetermined document file format, and the combined document data. Since the technical features of the file format for the corresponding image file and / or document file will be familiar, detailed description thereof will be omitted for convenience.

The converting of the combined document data into an image may include generating document content including the combined document data and capturing the generated document content (eg, the document content on a memory). It is preferable to convert the combined document data into an image by generating captured image content).

According to the present invention, there is an advantage that can be easily processed anytime, anywhere by processing them as an electronic document, and processing the document again as an image by escaping the conventional method of processing into a paper document.

According to the present invention, by eliminating the process of processing through the conventional document printing, by reducing the time and paper waste required to print, and significantly reuse, there is an advantage capable of effective manpower operation.

Claims (5)

Receiving, by the computer processing server, predetermined loan origination request information from the counter terminal; Identifying, by the computer processing server, at least one customer information having a loan product due to be linked with a financial system; Generating, by the computer processing server, a list of maturity loan product holding customers including the customer information and loan information of the customer, and transmitting the generated list to the counter terminal; The computer processing server receives from the counter terminal deferred execution information including one or more customer information that can be deferred loan from the list of customers holding the maturity loan products and one or more loan information corresponding to the maturity loan products of the customer step; And The computer processing server inquiring one or more customer ledgers and collateral ledgers corresponding to the postpone execution information in association with the financial system, and generating combined document information combining the inquiry result information and the report form; Automatic computer processing method. The method of claim 1, And the computer processing server automatically converts the generated combined document information into a storage medium by storing the converted image information. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In the postponing document automatic computer processing system including a counter terminal, a financial system, and a computer processing server, The computer processing server, One or more customers who can receive predetermined maturity loan inquiry request information from the window terminal, or postpone loan among the one or more customer information holding the loan product of maturity and the customer list of the maturity loan product including loan information of the customer. Information receiving means for receiving information and deferred execution information including at least one loan information corresponding to the loan product of the customer's maturity; Information checking means for confirming at least one customer information having the loan product coming to maturity in association with the financial system; Information inquiry means for inquiring at least one of the customer ledger and the collateral ledger corresponding to the postpone execution information in association with the financial system; And And information generating means for generating a list of borrowing products held by the maturity of origin, or generating combined document information combining the query result information and the report form inquiring at least one of the customer ledger and the collateral ledger corresponding to the deferred execution information. Smoke document automatic computer processing system characterized. The method of claim 4, wherein The computer processing server, Image conversion processing means for automatically image converting the generated combined document information; And And the information storing means for storing the combined document information processed by the image conversion in a storage medium.

Images