KR101192888B1 - System and method for providing electronic registration service - Google Patents

Abstract

PURPOSE: A system for providing electronic registration service and a method thereof are provided to prevent risk by an editing work of a registration editing expert and maximize convenience and efficiency of a customer and a bank by simplifying payment procedures by proxy for utility bills. CONSTITUTION: A user registering unit(1710) inputs personal information necessary for login to register a user. The user registering unit registers the inputted personal information as registration information about a customer and a collateral provider. A reading and storing unit(1720) reads data about the customer and the collateral provider using the registration information. The reading and storing unit stores the edited data in a file. A document registering unit(1730) scans and stores data related to registration application in connection with a credit management system. [Reference numerals] (1710) User registering unit; (1720) Reading and storing unit; (1730) Document registering unit; (1740) Payment processing unit; (1750) Approval processing unit; (1760) Amount adjusting unit; (1770) Inspector registering unit; (1780) Management unit; (1790) Control unit

Description

Electronic registration service providing system and method {SYSTEM AND METHOD FOR PROVIDING ELECTRONIC REGISTRATION SERVICE}

Embodiments of the present invention relate to registration, and more particularly, to a system and method for providing an electronic registration service.

Conventionally, in order to register a real estate such as a house, land, or a real estate, for example, a car, etc. by a sale or inheritance, a customer visits a relevant public office or delegates the performance of a procedure to an agent.

However, a visit by a customer directly to a public office is a very cumbersome and difficult task for an individual who lacks knowledge of the law and is usually delegated to an agent. However, when delegating this to an agent, not only the delegation cost is excessive, but some agents using the ignorance of the customer sometimes damage the customer through unauthorized use of registration-related documents or manipulation of a bond discount rate.

Therefore, the current registration process was very inconvenient, as a large number of individuals invested time and effort to perform some registration procedures with their agents. However, registration is a process of disclosing assets, which must be indispensable for asset protection. Therefore, there is an urgent need to develop a system and method for providing electronic registration services capable of reducing the speed, efficiency, and cost of registration work.

On the other hand, the prior art related to the system and method for providing electronic registration service according to an embodiment of the present invention, the Patent Publication No. 2002-18531 (Invention: Internet registration agency system, publication date: March 8, 2002) There is).

According to an embodiment of the present invention, it is possible to reduce the registration cost at the same time processing the registration business through the electronic registration service, and to prevent the risk (Risk) in advance through the inspection work of the registration inspection expert, It provides electronic registration service providing system and method that can maximize convenience / efficiency of customers and banks by simplifying procedures such as payment.

The problem to be solved by the present invention is not limited to the problem (s) mentioned above, and other object (s) not mentioned will be clearly understood by those skilled in the art from the following description.

Electronic registration service providing system according to an embodiment of the present invention receives the user information required for the login of the customer (debtor) and the security provider, the user is registered, the search button after the resident registration number of the customer and the security provider is input If clicked, the user registration unit for registering the personal information input at the time of user registration in connection with the credit management system of the financial institution as registration information about the customer and the security provider; By using the registration information in conjunction with the administrative information common access network, the data on the registered resident registration and real estate registration copies of the customer and the security provider is read and stored as a file, if the customer and the security provider is the same person, the resident registration A reading / storing unit for skipping the reading and storing of the herbal files; In connection with the credit management system, the data on the registration contract, the maximum amount of the bond, and the power of attorney relating to the registration application are retrieved using the resident registration principal and the real estate register copy, and then scanned and stored. A document registration unit that registers the registration document using the stored data and the input information when information on a registered writing, serial number, and password is input; Automatically calculate and display the utility bills (registration fee) and the amount of remuneration according to the registration of the registered documents, accept the application for payment of the utility bills, and when the registration application button is clicked, the bank account number of the customer is inputted to the bank. If the balance of the account corresponding to the account number is inquired, and if the balance of the account is equal to or greater than the total amount of the utility bill, the withdrawal authentication related to the total amount of the utility bill is referred to the mobile terminal of the customer with reference to the personal information of the customer. When sending a message, and receiving a withdrawal approval related response message from the mobile terminal in response to the withdrawal authentication-related message, withdraw the payment of the total amount of the utility bills from the account or set the base mortgage that financial institutions must bear the utility bills In the case of registration, etc., lessons automatically calculated by qualified persons (lawyers, lawyers) Daenap the line and pay to the automatic adjustment to the daily / weekly / monthly through the specific settings for each account of a financial institution when the registration process is finished processing; And when the registration application is completed, the items necessary for the preparation of the electronic registration application are input, and as a result of the inspection of the registered professional inspector for the input item and the resident registration principal, the power of attorney, and the setting contract, if there is no abnormality, the registered professional inspector Receiving the inspection result from the terminal of the, through the call center includes an approval processing unit for processing and approving the application of the electronic registration after performing the authentication of the customer.

Electronic registration service providing system according to an embodiment of the present invention is a part of the loan limit in accordance with the approval of the electronic registration to the insurance company's guarantee insurance as a deposit, the amount adjustment unit for adjusting the maximum amount of the bond to reflect the deposit It may further include.

Electronic registration service providing system according to an embodiment of the present invention receives the membership registration for the registered professional inspector (legal staff, lawyers, employees who can handle the registration business, etc.), the member information entered at the time of membership registration After setting the membership level based on the set member level to determine whether or not to be a regular member, the registered member is registered as the registered professional inspector, the registered professional inspector to provide the evaluation screen for the inspection after the evaluation by the evaluation The system may further include an inspector registration unit configured to receive evaluation information through a screen and adjust a member level of the registered professional inspector based on the evaluation information.

Electronic registration service providing system according to an embodiment of the present invention, as a result of the approval processing for the application of the electronic registration, real-time electronic registration event processing status including correction, registration receipt electronic storage / storage / notification, cost settlement, real-time region / It may further include a management unit for managing at least one of the statistics by registration type / branch / period.

The approval processing unit transmits a confirmation request message relating to the application of the electronic registration to the terminal of the customer through the SMS server associated with the mobile communication company using the personal information of the customer, and in response to the confirmation request message Receive a response message relating to the application, reception, completion, change and correction of the electronic registration from the terminal, and after determining that the authentication for the customer is completed based on the response message, the application of the electronic registration can be approved and processed. have.

Electronic registration service providing method according to an embodiment of the present invention in the Internet registration server, receives the personal information required for the login of the customer (debtor) and the security provider, the user is registered, and the back seat of the social security number of the customer and the security provider If a search button is clicked after input, interworking with the credit management system of a financial institution, registering the personal information input at the time of user registration as registration information about the customer and the security provider; In the Internet registration server, by using the registration information in conjunction with the administrative information common access network to view the data on the resident registration and real estate registration copies of the customer and the security provider and stored in a file, the customer and the security provider If is the same person, skipping a process of reading and storing the resident registration herb; In the Internet registration server, in connection with the credit management system, by using the resident registration and the real estate register copy, retrieve the data on the setting contract, bond maximum amount, and power of attorney related to the application for registration, scan and store the registration, If the information on the registered document, the serial number and the password of the registered document related to the application is input, registering the registered document using the stored data and the input information; In the Internet registration server, the utility bill (registration fee) and the amount of compensation according to the registration of the registration document are automatically calculated and displayed, the application for payment for payment of the utility bill is received, and when the registration request button is clicked, the bank account of the customer Inquiring the balance of the account corresponding to the bank account number by receiving the number, and if the balance of the account is greater than the total amount of the utility bill as a result of the inquiry, referring to the personal information of the customer to the mobile terminal of the customer Sending a withdrawal authentication-related message for the total amount, when receiving a withdrawal approval-related response message from the mobile terminal in response to the withdrawal authentication-related message, withdraws and pays the total amount of the utility bill from the account, or the financial institution Qualified persons (lawyers, lawyers, etc.) G) automatically prepays the utility bill and automatically settles on a daily / weekly / monthly basis through a specific account of the financial institution to automatically settle the bill; And in the Internet registration server, when the registration application is completed, an item necessary for the preparation of the electronic registration application is received, and the result of the inspection of the registered professional inspector for the input item and the resident registration principal, the power of attorney, and the setting contract is abnormal. If there is no, receives the inspection result from the terminal of the registered professional inspector, and after performing the official authentication of the customer through a call center, the process of approving the application of the electronic registration.

In the method of providing an electronic registration service according to an embodiment of the present invention, a part of the loan limit according to the approval of the electronic registration is subscribed to an insurance company's guarantee insurance as a deposit, and the maximum amount of the bond is reflected by reflecting the deposit. It may further comprise the step of adjusting.

Electronic registration service providing method according to an embodiment of the present invention in the Internet registration server, receiving registration for the registered professional inspector (lawyers, lawyers, employees who can handle registration, etc.), the membership registration Setting a member level based on the member information input at the time and determining whether or not to be a full member according to the set member level; Registering, at the internet registration server, a member determined as the regular member as the registered professional inspector, and providing an evaluation screen for the inspected after the registered professional inspector; And receiving, at the internet registration server, evaluation information through the evaluation screen, and adjusting a member level of the registered professional inspector based on the evaluation information.

Electronic registration service providing method according to an embodiment of the present invention, in the Internet registration server, as a result of the approval processing for the application of the electronic registration, the real-time electronic registration event processing status including correction, electronic receipt / storage / notification of registration certificate, The method may further include managing at least one of cost settlement and real-time regional / registered type / branch / period statistics.

Electronic registration service providing method according to an embodiment of the present invention, in the Internet registration server, using the personal information of the customer via the SMS server associated with the mobile communication company confirmation associated with the application of the electronic registration to the terminal of the customer Sending a request message; Receiving, at the internet registration server, a response message relating to application, reception, completion, change, and correction of the electronic registration from the terminal of the customer in response to the confirmation request message; And in the internet registration server, after determining that the authentication for the customer is completed based on the response message, approving and processing the application of the electronic registration.

Specific details of other embodiments are included in the detailed description and the accompanying drawings.

Advantages and / or features of the present invention and methods for achieving them will become apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but is capable of many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout.

According to an embodiment of the present invention, the electronic registration registration to reduce the costs associated with registration, prevent the reduction / correction forgery (Risk) prevention, meet the e-government policy, prompt loan completion (2-3 days registration) , Minimizing bank visits / simplifying loan document preparation, saving time and money, preventing the risk of loss of setting contracts, reducing the burden of setting up mortgage loans, simplifying loans, securing priority rights due to rapid registration, and overcoming regional limitations in loan business. can see.

1 is a flowchart illustrating a method of providing an electronic registration service according to an embodiment of the present invention.
2 to 15 are exemplary diagrams showing an example of a screen for providing an electronic registration service according to an embodiment of the present invention.
16 is a system configuration diagram of an electronic registration service providing system according to an embodiment of the present invention.
17 is a block diagram illustrating the detailed configuration of the Internet registration server of FIG.

Hereinafter, with reference to the accompanying drawings will be described embodiments of the present invention;

1 is a flowchart illustrating a method of providing an electronic registration service according to an embodiment of the present invention, and FIGS. 2 to 15 illustrate an example of a screen for providing an electronic registration service according to an embodiment of the present invention. This is an example. Here, the electronic registration service providing method may be performed by the Internet registration server 1620 of FIGS. 16 and 17.

Referring to FIG. 1, in step 110, the internet registration server registers a debtor (customer) and a security provider.

To this end, as shown in FIG. 2, the internet registration server provides a screen for logging in to a bank branch user terminal (see “1620” in FIG. 16). The Internet registration server receives the personal information necessary for the login of the customer and the security provider from the bank branch user terminal through the screen, and performs user registration using the entered personal information.

Here, the personal information may include a name, resident registration number, address, home phone number, mobile phone number, and the like. The internet registration server may perform the registration of the public certificate for the customer and the security provider when the user is registered.

Thereafter, as shown in FIG. 3, the internet registration server provides a main screen on which a main menu such as 'subscribe registration' and 'process result inquiry' is displayed to the bank branch user terminal. Here, the 'subscription application' menu may include submenus such as 'setting up mortgage rights', 'transferring mortgage rights', 'changing mortgage rights', 'removing mortgage rights', and 'removing mortgage rights'.

The Internet registration server is a user who can register the information of the debtor and the mortgage provider, as shown in Figure 4, when the 'subscribe registration' menu (for example, the establishment of a mortgage right) is selected in the main screen of FIG. A registration screen is provided to the bank branch user terminal. Subsequently, the Internet registration server receives a digit after the resident registration number of the customer and the security provider from the bank branch user terminal through the user registration screen.

Subsequently, when the 'search' button is clicked on the user registration screen of FIG. 4, the internet registration server registers the personal information input during the user registration with respect to the customer and the security provider in connection with a credit management system of a financial institution. Register as information. On the other hand, when the 'handwriting input' button is clicked on the user registration screen, the internet registration server may provide a screen for inputting the personal information of the customer and the security provider. In addition, the user registration screen may be provided with a menu for checking whether the security provider is the same as the customer (debtor). For reference, the registration information is stored in the database server 1630 of FIG.

Next, in step 120, the Internet registration server to view / store the information in the administrative information common use network.

To this end, as shown in Fig. 5, the Internet registration server is a copy reading / saving screen having a menu such as 'Resident Registration Initial Reading', 'Real Estate Registration Copy Reading', 'Save File', etc. It can be provided to the user terminal. Here, when the 'Resident Registration Herbal Reading' menu is selected, the internet registration server may view data related to the resident registration herbal of the customer or the security provider using the registration information in association with the administrative information joint use network.

In addition, when the 'Real Estate Registration Copy Reading' menu is selected, the Internet registration server may view data related to real estate registration copies of the customer and the security provider using the registration information in association with the administrative information joint use network. have. Thereafter, when the 'store file' menu is selected, the internet registration server may store the read data as a file. In this case, if the customer and the security provider are the same person, the internet registration server may skip the viewing and file storing process of the resident registration herbal of the security provider.

Next, in step 130, the Internet registration server registers a registration document.

To this end, as shown in Figure 6, the Internet registration server is' loading the set contract ',' load the maximum amount of bonds', 'loading the power of attorney', 'save the file', 'registered / serial number / password It is possible to provide a registration document registration screen having a menu such as 'fill in' to the bank branch user terminal. In this case, when the 'load setting agreement' menu is selected, the internet registration server may load data regarding the setting agreement related to the registration application by using the resident registration card and the real estate registration book in conjunction with the credit management system. Can be.

In addition, when the 'receive bond maximum amount' is selected, the internet registration server is linked with the credit management system to retrieve data on the bond maximum amount related to the registration application using the resident registration principal and the real estate register copy. Can be. In addition, when the 'load mandate' menu is selected, the internet registration server may retrieve data on the power of attorney relating to the registration application by using the resident registration card and the real estate registration book in conjunction with the credit management system. .

Thereafter, when the 'save file' is selected, the internet registration server scans and stores the retrieved data. Then, when the 'registered writing / serial number / password entry' menu is selected, the Internet registration server provides an input field of the corresponding item on the registration document registration screen to register the registered document, serial number and You can receive information about your password. Subsequently, the internet registration server may register the registration document by using the stored data and the input information. For reference, the scan data, the input information, and the registration information of the registration document are stored in the database server 1630 of FIG. 16.

Next, in step 140, the Internet registration server applies for payment of utility bills according to the registration of the registration document.

To this end, as shown in FIG. 7, the internet registration server may provide a utility bill payment application screen having a menu such as 'automatic calculation' and 'apply payment' to the bank branch user terminal. Here, when the 'automatic calculation' menu is selected, the internet registration server automatically calculates and displays the amount of each item of the utility bill, for example, registration tax, education tax, bond discount, certificate, total, and the like. In addition to the utility bill inquiry, the Internet registration server automatically calculates and displays an amount of each item of the remuneration bill, for example, a fee, a change of address registration, a registration record, a tax, a sum, and the like.

Subsequently, in the utility bill payment application screen of FIG. 7, when the 'subscribe payment' menu is selected, the internet registration server applies for payment of the total amount of the utility bill automatically calculated. At this time, the Internet registration server may apply for payment of utility bills to local tax payment system (eg, E-TAX, WE-TAX) linked to the Supreme Court Internet Registry.

Next, in step 150, the Internet registration server determines whether the registration application is clicked. For example, in the utility bill application screen of FIG. 7, when the 'register registration' button is clicked, the internet registration server may determine that the registration request has been clicked.

As a result of the determination, when the registration request is clicked (Yes direction of 150), in step 160, the internet registration server may pay the total amount of the automatically calculated utility bills on behalf of the customer. On the other hand, if the registration result is not clicked (No in the direction of 150), the internet registration server maintains a standby state until the registration request is clicked. At this time, the Internet registration server may maintain the standby state for a set time, and terminates the present embodiment when the set time is exceeded.

At this time, the Internet registration server may receive the customer's bank account number to query the balance of the account corresponding to the bank account number. When the balance of the account is greater than the total amount of the utility bill as a result of the inquiry, the Internet registration server may transmit a withdrawal authentication related message for the total amount of the utility bill to the mobile terminal of the customer by referring to the personal information of the customer. The internet registration server may withdraw and pay the total amount of the utility bill from the account when receiving the withdrawal approval related response message from the mobile terminal of the customer in response to the withdrawal authentication related message. To this end, the Internet registered server may operate in conjunction with the SMS server of the mobile communication company. In addition, the internet registration server, in the case of the registration of a mortgage-rights setting, etc., in which the financial institution should pay the utility bill, the qualified person (lawyer, lawyer) prepays the utility bill automatically calculated, and when the registration processing is completed, the specific specification of the financial institution is completed. You can also provide a function that automatically settles on a daily / weekly / monthly basis through your account.

When the registration application is completed according to the completion of payment of the utility bill, the Internet registration server, as shown in Figure 8, the registration application completion screen displaying a message related to the completion of the registration application user terminal of FIG. 1650). The registration application completion screen may be provided with a 'process result inquiry' button. When the 'process result inquiry' button is selected, the internet register server may provide an inquiry screen of the process result related to the registration application to the user terminal of the qualified person, as shown in FIG. 9. Here, the user terminal of the qualified person corresponds to an example of a terminal of a qualified person (lawyer, lawyer). In the present embodiment, the terminal of the qualified person (lawyer, lawyer) is described as limited to the user terminal of the qualified person, but this is for convenience and easy understanding of the description, and does not limit the scope of the present invention. Self-explanatory In the following description, the terminal of the qualified person is limited to the user terminal of the corporation.

In the processing result inquiry screen of FIG. 9, when the utility bill of the case is clicked, the internet registration server displays the utility charge history of the case and provides it to the user terminal of the qualified person as shown in FIG. Can be. In this case, as shown in FIG. 10B, the internet registration server may provide a display screen related to payment entry information of a local tax internet payment system such as E-TAX or WE-TAX to the user terminal of the qualified person. .

Subsequently, as shown in FIG. 11, the internet registration server may provide an electronic registration application screen serviced by the Supreme Court Internet Registry to the user terminal of the qualified person. The user terminal of the qualified person may proceed with the electronic registration application through user (customer) authentication.

Next, in step 170, the Internet registration server writes the corresponding information in the electronic registration application. To this end, the Internet registration server may provide an entry screen (electronic registration application screen) of the items necessary for the preparation of the electronic registration application.

That is, as shown in Figure 12, the Internet registration server, when the registration application is completed according to the payment of the utility bill, the electronic registration application screen that can fill in the information corresponding to each item necessary for the preparation of the electronic registration application Can be provided to the user terminal of the qualified person. The internet registration server receives an item necessary for the preparation of the electronic registration application from the user terminal of the qualified person through the electronic registration application screen.

Here, the items necessary for the preparation of the electronic registration application is the date of registration, the type of registration, real estate information, the cause / purpose / right to register, the registered / mandatory to register, the right to register, the debtor information, national housing bond, registration license tax, attached document / set This may include contracts, maximum bonds, applicants / agents, etc.

At this time, the Internet registration server fills in the electronic registration application screen, that is, the electronic registration application screen according to the service of the present invention as shown in Fig. 12 (a), the electronic registration application of the Supreme Court Internet Registry as shown in Fig. 12 (b) In addition to the screen (a total of 20 steps from the address checking step before the start of writing to the completion check step of writing), it may be provided to be displayed on one screen of the user terminal of the qualified person. Here, the screen as shown in (a) of FIG. 12 may display the corresponding information in the same order and format as the order and format of the 20 steps and formats associated with the Supreme Court electronic registration application displayed on the screen as shown in FIG. Can be.

In addition, the Internet registration server is the Supreme Court from the DB stored in conjunction with the credit management system of financial institutions without the need to enter a qualified person (lawyers, lawyers) except for items that must be entered or clicked on the Supreme Court electronic registration application The data to be entered in the electronic registration application can be automatically retrieved and filled out. In addition, the Internet registration server is automatically copied by double-clicking each column of the screen registered by the financial institution in order to avoid typos in the case that the manual registration must be entered in the Supreme Court electronic registration application, this is equivalent to the Supreme Court electronic registration application You can double-click the entry field to provide a feature that will auto-paste. The Internet registration server can greatly increase the accuracy of the registration service through the above function and can greatly improve the efficiency of the electronic registration service.

Next, in step 180, the Internet registration server performs a registration professional inspector inspection process. Here, the registered professional inspector may include a lawyer, a lawyer, a member of the staff who can handle the registered business.

To this end, as shown in FIG. 13, the internet registration server displays a screen for inspecting items input in connection with the preparation of the electronic registration application and inspection items including the resident registration principal, the power of attorney, the setting contract, and the like. It can be provided to the user terminal of the qualified person.

At this time, the Internet registration server checks the inspection screen, i.e., the inspection screen by the service of the present invention as shown in FIG. 13 (a), and the inspection required screen of the Supreme Court Internet Registry as shown in FIG. 13 (b) (12 steps in total). In addition, the screen may be provided to be split on one screen of the user terminal of the qualified person. Here, the corresponding information may be displayed on the screen such as (a) of FIG. 13 in the same order and format as the order and format of a total of twelve steps for the inspection required items displayed on the screen such as (b) of FIG. .

In addition, the total of 12 steps related to the inspection required items, check the address before entry start-> type of registration-> real estate information-> registration cause / purpose / rights-> registration / mandatory-> registered right holder-> debtor information- > National Housing Bond-> Registration License Tax-> Attachment / Setting Agreement-> Maximum Bond Value-> Registered Information, etc.

In the inspection process, the user terminal of the qualified person corresponds to the terminal of the registered professional inspector. The registered professional inspector performs the inspection on the inspection item through the inspection screen (FIG. 13) displayed on the user terminal of the qualified person, and if there is no abnormality, the inspection result is transmitted to the internet registration server. Accordingly, the internet registration server may receive the inspection result of the registered professional inspector from the user terminal of the qualified person.

Next, in step 190, the Internet registration server performs the electronic registration acceptance process.

To this end, the Internet registration server performs the authentication of the customer through a call center, and then approved and processed the application of the electronic registration using the inspection result of the registered professional inspector. At this time, the call center may execute a call to the customer for approval certification approval processing for the event indicated as inspection completion on the processing result inquiry screen as shown in FIG. 14.

Next, in step 195, the Internet registration server manages the processing result related to the approval of the electronic registration. That is, the Internet registration server is the result of the approval processing for the application of the electronic registration, real-time electronic registration event processing status including correction, registration receipt electronic receipt / storage / notification, cost settlement, real-time by region / registration type / point / period You can manage statistics.

For example, as shown in FIG. 15, the internet registration server may pay an amount corresponding to a certificate item of a utility bill before first managing the processing result, and accepts the registration through the electronic registration registration process. After completion, a relevant message (SMS) may be sent to the customer and the bank. Subsequently, the internet registration server may manage processing results including a process such as post-processing such as registration check and correction / correction. The processing result can also be sent to the customer and the bank.

16 is a system configuration diagram of an electronic registration service providing system according to an embodiment of the present invention.

Referring to FIG. 16, the bank branch user terminal 1610 may access the internet registration server 1620 through a bank internal network. The internet registration server 1620 may be installed at a bank computer center together with the database server 1630 and the internet registration web server 1640.

Here, the internet registered web server 1640 may be installed separately from the internet registered server 1620 and the database server 1630 in the bank computer center, thereby ensuring the stability of security. have. In addition, the Internet registration server may be implemented in a redundant (Active-Active) structure, through which can ensure the stability and performance of system operation.

The database server 1630 stores the storage target information (data) according to the operation of the Internet registration server 1620. The internet registration server 1620 and the database server 1630 may be connected to the Internet registration web server 1640 and communicate through a firewall.

The internet registered web server 1640 is an intermediate medium installed between the internet registered server 1620 and the database server 1630 and the user terminal 1650 of the qualified person. Can provide functionality. The user terminal 1650 of the qualified person may communicate with the internet registered web server 1640 through an internet network (VPN).

Here, in order to protect customer information of a financial institution, the user terminal 1650 of the qualified person may use a computer equipped with only a function capable of accessing the internet registered web server 1640 to process registration business. It is possible to prevent leakage of customer information at the source by not being able to store any information related to customer's information or registration service on computer and other storage devices.

FIG. 17 is a block diagram illustrating a detailed configuration of the internet registration server 1620 of FIG. 16.

Referring to FIGS. 16 and 17, the internet registration server 1620 includes a user register 1710, a read / store 1720, a document register 1730, a payment processor 1740, an approval processor 1750, and an amount of money. The controller 1760, the inspector registration unit 1770, the management unit 1780, and the controller 1790 may be included.

The user registration unit 1710 receives user information required to log in to the customer (debtor) and the security provider and registers the user. When the search button is clicked after inputting the digit of the resident registration number of the customer and the security provider, the user registration unit 1710 may interwork with the credit management system to provide the personal information input to the customer and the security provider. Register as related registration information.

The reading / storing unit 1720 reads data related to the resident registration and real estate registration copies of the customer and the security provider using the registration information in association with the administrative information joint use network and stores the data in a file. In this case, if the customer and the security provider are the same person, the reading / storing unit 1720 skips the process of viewing the resident registration herbal and the file storing process of the security provider.

The document registration unit 1730, in conjunction with the credit management system, retrieves and stores data on the contract, bond maximum amount, and power of attorney related to the registration application using the resident registration card and the real estate register book. The document registration unit 1730 registers the registration document by using the stored data and the input information when information on the registration, serial number, and password of the registration document related to the registration application is input.

The payment processing unit 1740 automatically calculates and displays the utility bills (registered expenses) and the compensation amount according to the registration of the registered documents, and receives a payment application for payment of the utility bills. The payment processing unit 1740 receives the customer's bank account number when the registration request button is clicked and inquires the balance of the account corresponding to the bank account number.

If the balance of the account is greater than the total amount of the utility bill as a result of the inquiry, the payment processing unit 1740 transmits a withdrawal authentication related message for the total amount of the utility bill to the mobile terminal of the customer by referring to the personal information of the customer. When the payment processing unit 1740 receives a withdrawal approval related response message from the portable terminal in response to the withdrawal authentication related message, the payment processing unit 1740 withdraws and pays the total amount of the utility bill from the account.

Meanwhile, the payment processor 1740 may provide an input interface screen for input of an unused amount of the loan limit according to the approval of the electronic registration and an unused period for the unused amount to the terminal of the customer. When the unused amount and the unused period are input through the input interface screen, the payment processing unit 1740 uses the inputted unused amount and the unused period for the remaining loan amount excluding the unused amount of the loan limit. Interest can be processed to be paid.

When the registration application is completed, the approval processing unit 1750 receives an item necessary for the preparation of the electronic registration application. The approval processing unit 1750 receives the inspection result from the registered professional inspector's terminal, if there is no abnormality, the inspection result of the registered professional inspector for the input item and the resident registration principal, the power of attorney, and the set contract. The approval processing unit 1750, after performing the official authentication of the customer through the call center to approve and process the application of the electronic registration.

Meanwhile, the approval processor 1750 may transmit a confirmation request message relating to the application of the electronic registration to the terminal of the customer through the SMS server associated with the mobile communication company using the personal information of the customer. The approval processing unit 1750 may receive a response message related to the application of the electronic registration from the terminal of the customer in response to the confirmation request message. The approval processing unit 1750 may determine that the authentication of the customer is completed based on the response message, and may approve and process the application of the electronic registration.

The amount adjustment unit 1760 may subscribe to the insurance of the insurance company as a deposit of a portion of the loan limit according to the approval of the electronic registration. The amount adjusting unit 1760 may adjust the maximum amount of the bond by reflecting the deposit.

The inspector registration unit 1770 receives a member registration for the registered professional inspector, sets a member level based on the member information input at the time of membership registration, and then determines whether to be a regular member according to the set member level. The inspector registration unit 1770 may register the member determined as the regular member as the registered professional inspector. The inspector registration unit 1770 provides an evaluation screen for the inspection after the registration of the registered professional inspector to receive the evaluation information through the evaluation screen, and adjust the member level of the registered professional inspector based on the input evaluation information. Can be.

The management unit 1780 is a result of the approval process for the application of the electronic registration, real-time electronic registration event processing status including correction, registration receipt electronic receipt / storage / notification, cost settlement, real-time region / registration type / point / period statistics At least one of can be managed.

The control unit 1790 is the Internet registration server 1620, that is, the user registration unit 1710, the reading / storage unit 1720, the document registration unit 1730, the payment processing unit 1740, the approval processing unit 1750 ), The operation of the amount adjustment unit 1760, the inspector registration unit 1770, the management unit 1780 and the like can be controlled overall.

As described above, according to an embodiment of the present invention, the electronic registration is reduced, the cost related to the registration application is reduced, the reduction of correction / falsification prevention prevents the occurrence of risk, meets the e-government policy, and the completion of the quick loan business (registration completed 2 ~). 3 days), minimizing bank visits / simplifying loan document preparation, saving time and money, preventing the risk of loss of setting contracts, reducing the burden of setting up mortgage loans, simplifying loans, securing priority rights due to rapid registration, overcoming local limitations of loan business You can see the effect.

Embodiments of the present invention include computer readable media including program instructions for performing various computer implemented operations. The computer-readable medium may include program instructions, local data files, local data structures, etc., alone or in combination. The media may be those specially designed and constructed for the present invention or may be those known to those skilled in the computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floppy disks, and ROMs, And hardware devices specifically configured to store and execute the same program instructions. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like.

While specific embodiments of the present invention have been described so far, various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined not only by the claims below, but also by the equivalents of the claims.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above-described embodiments, which can be variously modified and modified by those skilled in the art to which the present invention pertains. Modifications are possible. Accordingly, the spirit of the present invention should be understood only in accordance with the following claims, and all equivalents or equivalent variations thereof are included in the scope of the present invention.

1610: bank branch user terminal
1620: Internet Registration Server
1630: database server
1640: Internet registered web server
1650: user terminal of the qualified person
1710: User Register
1720: read / store
1730: Document Register
1740: payment processing unit
1750: approval processing unit
1760: amount adjustment
1770: Register of Inspectors
1780: management
1790: control unit

Claims (10)

Register the user by receiving the personal information necessary for the login of the customer (creditor) and the security provider, and if the search button is clicked after the digit of the resident registration number of the customer and the security provider is input, the credit management system of the financial institution is linked with the credit management system. A user registration unit that registers the personal information input at the time of user registration as registration information about the customer and the security provider;
Using the registration information in conjunction with the administrative information common access network, the data on the resident registration primary and real estate registration copies of the customer and the security provider is read and stored in a file, if the customer and the security provider is the same person, the collateral A reading / storing unit for skipping a provider's viewing of an resident registration herb and a file storing process;
In connection with the credit management system, the data on the registration contract, the maximum amount of the bond, and the power of attorney relating to the registration application are retrieved using the resident registration principal and the real estate register copy, and then scanned and stored. A document registration unit that registers the registration document using the stored data and the input information when information on a registered writing, serial number, and password is input;
Automatically calculate and display the utility bills (registration fee) and the amount of remuneration according to the registration of the registered documents, accept the application for payment of the utility bills, and when the registration application button is clicked, the bank account number of the customer is inputted to the bank. If the balance of the account corresponding to the account number is inquired, and if the balance of the account is equal to or greater than the total amount of the utility bill, the withdrawal authentication related to the total amount of the utility bill is referred to the mobile terminal of the customer with reference to the personal information of the customer. If a message is transmitted, and a withdrawal approval related response message is received from the mobile terminal in response to the withdrawal authentication related message, the total mortgage that the withdrawal and payment of the total amount of the utility bill from the account or the financial institution should bear the utility bill In the case of registered registration, qualified persons (lawyers, lawyers) ) Of the receiving processing unit when the line daenap through the terminal, the registration process is finished, through a specific account of the financial institution daily / weekly / monthly set for each of the automatic settlement; And
Upon completion of the application for registration of the registration in accordance with the payment processing of the registration-related expenses, the items necessary for the preparation of the electronic registration application are input, and the registration expert inspector inspects the entered items and the resident registration principal, the power of attorney, and the setting contract. As a result, if there is no abnormality, the approval processing unit receives the inspection result from the registered professional inspector's terminal, performs an authorized certification of the customer through a call center, and then approves and processes the application of electronic registration.
Electronic registration service providing system comprising a.
The method of claim 1,
A part of the loan limit in accordance with the approval of the application for registration of electronic registration as a deposit in the insurance company's guarantee insurance, the amount adjustment unit for adjusting the maximum amount of the bond to reflect the deposit
Electronic registration service providing system characterized in that it further comprises.
The method of claim 1,
Receive membership registration for the registered professional inspector, set the membership level based on the member information entered at the time of membership registration, determine whether or not to be a regular member according to the set member level, and the member determined as the registered member as the registered professional inspector Registered registration unit for registering, providing an evaluation screen for the inspection after the inspection of the registered professional inspector receives the evaluation information through the evaluation screen, and adjusts the member level of the registered professional inspector based on the evaluation information
Electronic registration service providing system characterized in that it further comprises.
The method of claim 1,
As a result of the approval process for the application of the electronic registration, to manage at least one of the status of the real-time electronic registration event including the correction, electronic receipt / storage / notification of registration certificate, cost settlement, real-time by region / registration type / branch / period statistics Management
Electronic registration service providing system characterized in that it further comprises.
The method of claim 1,
The approval processing unit
Sending a confirmation request message relating to the application of the electronic registration to the terminal of the customer through the SMS server associated with the mobile communication company using the personal information of the customer, and in response to the confirmation request message from the electronic terminal of the customer Receive a response message related to the application, reception, completion, change and correction of the registration, and after determining that the authentication for the customer is completed based on the response message, the electronic registration characterized in that the processing of the application Registered service provision system.
In the Internet registration server, the user (debtor) and mortgage provider receives the personal information required to log in and register the user, the customer and the mortgage provider's resident registration number is entered after the search button is clicked, the credit management of the financial institution Registering the personal information input at the time of user registration in association with a system as registration information about the customer and the security provider;
In the Internet registration server, by using the registration information in conjunction with the administrative information common access network to view the data on the resident registration and real estate registration copies of the customer and the security provider and stored in a file, the customer and the security provider If is the same person, skipping the process of viewing and storing the resident registration of the security provider;
In the Internet registration server, in connection with the credit management system, by using the resident registration and the real estate register copy, retrieve the data on the setting contract, bond maximum amount, and power of attorney related to the application for registration, scan and store the registration, If the information on the registered document, the serial number and the password of the registered document related to the application is input, registering the registered document using the stored data and the input information;
In the Internet registration server, the utility bill (registration fee) and the amount of compensation according to the registration of the registration document are automatically calculated and displayed, the application for payment for payment of the utility bill is received, and when the registration request button is clicked, the bank account of the customer Inquiring the balance of the account corresponding to the bank account number by receiving the number, and if the balance of the account is greater than the total amount of the utility bill as a result of the inquiry, referring to the personal information of the customer to the mobile terminal of the customer Send a withdrawal authentication-related message for the total amount, and when receiving a withdrawal approval-related response message from the mobile terminal in response to the withdrawal authentication-related message, withdraw and pay the total amount of the utility bill from the account; or In the case of the registration of the base mortgage, which is required to pay the utility bill, Daenap steps to wire the gold through the terminal counterpart (judicial scrivener, lawyers), and when the registration process is completed automatically settled through the accounts of a particular financial institution daily / weekly / monthly for each set; And
In the Internet registration server, when the registration of the registration is completed in accordance with the payment processing of the registration-related costs, the items required for the preparation of the electronic registration application is input, and the items entered and the resident registration primary, the power of attorney, the setting contract Receiving the inspection result from the registered professional inspector, if there is no abnormality, receiving the inspection result from the terminal of the registered professional inspector, and after performing the official certification of the customer through a call center to approve and process the application of electronic registration
Electronic registration service providing method comprising a.
The method of claim 6,
At the internet registration server, subscribing to the insurance company's guarantee insurance as a deposit of a portion of the loan limit in accordance with the application approval of the electronic registration, and adjusting the maximum amount of the bond to reflect the deposit
Electronic registration service providing method comprising a further.
The method of claim 6,
At the internet registration server, receiving a member registration for the registered professional inspector, setting a member level based on member information input at the time of membership registration, and determining whether or not to be a regular member according to the set member level;
Registering, at the internet registration server, a member determined as the regular member as the registered professional inspector, and providing an evaluation screen for the inspected after the registered professional inspector; And
Receiving, at the internet registration server, evaluation information through the evaluation screen, and adjusting a member level of the registered professional inspector based on the evaluation information;
Electronic registration service providing method comprising a further.
The method of claim 6,
In the Internet registration server, as a result of the approval processing for the application of the electronic registration, real-time electronic registration event processing status including correction, registration receipt electronic receipt / storage / notification, cost settlement, real-time region / registration type / point / period statistics Managing at least one of
Electronic registration service providing method comprising a further.
The method of claim 6,
Transmitting, at the internet registration server, a confirmation request message relating to the application of the electronic registration to the terminal of the customer through an SMS server associated with a mobile communication company using the personal information of the customer;
Receiving, at the internet registration server, a response message relating to application, reception, completion, change, and correction of the electronic registration from the terminal of the customer in response to the confirmation request message; And
In the internet registration server, determining that the authentication of the customer is completed based on the response message, and then approving and processing the application of the electronic registration.
Electronic registration service providing method comprising a further.

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