KR101727393B1 - System for intermadiating loan service for real estate auction using mobile application - Google Patents

System for intermadiating loan service for real estate auction using mobile application Download PDF

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Publication number
KR101727393B1
KR101727393B1 KR1020150120099A KR20150120099A KR101727393B1 KR 101727393 B1 KR101727393 B1 KR 101727393B1 KR 1020150120099 A KR1020150120099 A KR 1020150120099A KR 20150120099 A KR20150120099 A KR 20150120099A KR 101727393 B1 KR101727393 B1 KR 101727393B1
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South Korea
Prior art keywords
loan
terminal
real estate
client terminal
sale
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KR1020150120099A
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Korean (ko)
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KR20170024731A (en
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강헌
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강헌
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    • G06Q40/025
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • G06Q30/0281Customer communication at a business location, e.g. providing product or service information, consulting
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/08Auctions
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10Services
    • G06Q50/16Real estate

Abstract

A client who installed a mobile application in a terminal executes a mobile application to request a loan estimate for a real estate sale, and the loan agent terminal collects and presents a loanable condition for a loan estimate quoted by the client, The present invention relates to a system and method for a real estate auction loan brokerage service using a mobile app, which provides a user with a possibility to compare the conditions available for lending without having to directly visit the financial institution or directly through an introduction or advertisement of a lend broker at an auction site.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a real estate auction loan brokerage service system using a mobile app,

The present invention relates to a system and method for intermediating a real estate auction lending service using a mobile application.

In general, a real estate auction loan is a service that lends money to a successful bidder who has won auction real estate such as an apartment, a house, or a shop through a court auction at a financial institution such as a bank. These services are called meridian loans.

Customers who wish to make a loan to the meridian will find loan terms through a business card or flyer received from an auction court, or a loan broker who is introduced by acquaintance. Alternatively, the customer visits each financial institution in the vicinity to inquire about the loanable amount of the loan product, the loan interest rate, etc., which can be borrowed from the auction-winning real estate as collateral.

However, for the same auction property, the terms of the loan may vary depending on the commission of the loan broker. In addition, there is a case in which loan products that can be borrowed by each financial institution are sold or not. In many cases, loan conditions are different from each financial institution even if they sell loanable loan products.

Therefore, it is not possible for a financial institution to know whether it is possible to lend a loan to the auction house without asking the lenders or financial institutions directly, and even if the loan broker or financial institution Even if it is possible to make a lump-sum loan, it is troublesome to visit each financial institution or inquire as many loan brokers as possible in order to obtain a loan under favorable conditions because the loan condition differs for each financial institution.

Related Prior Art Documents include Registered Patent Publication No. 10-1228473 entitled " Online Real Estate Auctions System for Small Investors < / RTI > and Service Method, Registration Date: Jan. 25, 2013).

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a mobile loan application system, The present invention provides a real estate auction loan brokerage service system and method that can select and compare conditions that can be borrowed without having to visit individual institutions.

Another object of the present invention is to provide a condition in which a customer can easily inquire a real estate property on the basis of the case number and request a loan estimate for the inquired real estate property, Of course, in order to make a loan quotation request related to auctioned real estate, a loan brokerage service is provided by providing information that can identify the brokerage terminal.

Another object of the present invention is to improve the quality of the loan brokerage service by introducing an evaluation system that can evaluate each client or loan broker and reflecting the evaluation result to the member class.

According to another aspect of the present invention, there is provided a real estate auction loan brokerage service system using a mobile app, including a mobile application for using a real estate auction loan brokerage service, A client terminal for requesting the client terminal; At least one lending agent terminal presenting a loan quotation containing conditions for loanable real estate deals; And, when the loan estimate information including the case number of the real estate sale is input through the mobile application of the client terminal, the loan estimate information is transmitted to the at least one loan agent terminal to request the loanable condition, And a service providing server for receiving a loan quotation containing loanable conditions presented by the loan agent terminal and providing the loan request to the mobile application of the client terminal.

The service providing server confirms whether the real estate sale of the event number inputted through the mobile application of the client terminal is the sale for sale or the sale before the bid, and if the sale is successful, the service providing server provides the rental estimate information for the real estate sale The input screen can be differentially provided to the mobile application of the client terminal.

At this time, the service providing server may provide a detailed screen including the desired loan type, the credit rating, the loan period, the desired loan interest rate, and the client's contact information including the loan desired amount for the real estate sale item .

In addition, when the real estate sale of the event number inputted through the mobile application of the client terminal is an offer for sale, the service providing server may provide a differentiated loan intermediation service for the sold property, And may transmit the winning bid information to the one or more loan brokers terminals included in the loan estimation information.

The service providing server may further include a client contact matched with the client terminal in the case where the real estate sale of the event number inputted through the mobile application of the client terminal is a sale for sale, To the loan broker terminal.

In addition, the service providing server may anonymously process the loan estimate information if the real estate sale of the event number inputted through the mobile application of the client terminal is a pre-bid sale, and transmits the information to the at least one loan agent terminal, When the service providing server provides the loan quotation received from the one or more loan agent terminals to the client terminal and then receives a consultation request from the client terminal for the desired loan agent, the contact information of the client terminal can be provided to the loan agent terminal have.

The service providing server may further transmit the winning bid certificate to the one or more loan brokering terminals when the winning bid certificate attached with the real estate bounty is attached to the loan estimation information input from the client terminal.

In addition, the service providing server may be configured to determine whether or not the client terminal has requested a consultation with the loan agent terminal based on the number of connections to the mobile application, the number of case number search for the real estate sale, And counts one or more of the number of times the client terminal belongs.

In addition, the service providing server may set and change the membership level of the loan broker terminal by counting the number of quotations processed by the client terminal with respect to the request for a loan estimate requested by the client terminal.

The loan agent terminal may be configured to selectively receive the loan estimate request according to a desired region and a court upon registering the member information in the service provider server, and the service provider server can receive the loan estimate from the client terminal It can transmit the loan estimate information corresponding to the information set by the loan agent terminal to the loan agent terminal.

The service providing server provides the client terminal with an evaluation item so that the client can be evaluated with respect to the client against the loan broker terminal and the evaluation result can be reflected in the membership level of the client or the loan broker have.

In addition, the service providing server may assign a weight to the evaluation of the loan broker when the data to identify the legitimate loan broker is legally attached to the loan broker terminal.

Meanwhile, a method of a floating intermediation auction intermediation service using a mobile app according to an exemplary embodiment of the present invention includes registering a subscription through a mobile application of a client terminal and a loan agent terminal, Receiving the loan estimate information including the case number of the real estate sale together with the loan estimation request through the mobile application of the client terminal; Transmitting a loan estimate information input by the service providing server to the loan agent terminal and requesting a loanable condition; And providing the service providing server to the mobile application of the client terminal by receiving the loan quotation containing the loanable conditions presented by the loan agent terminal.

Before transferring the loan estimate information to the lending agent terminal, the service providing server confirms whether the real estate slip in the case number input through the mobile application of the client terminal is a sale winning bid or a sale before auction And a screen for inputting the loan estimate information for the real estate sale in the case of a successful sale can be differentially provided to the mobile application of the client terminal.

The service providing server confirms whether the real estate sale of the event number received through the mobile application of the client terminal is a sale for sale before transferring the loan estimate information to the lending agent, , It can be transmitted to the loan broker terminal including the information on whether or not to bid on the real estate sale on the loan estimate information.

If the real estate sale of the event number received through the mobile application of the client terminal is a pre-bid sale before the service providing server transmits the inputted loan estimate information to the lending agent terminal, The service providing server sends a loan request received from the one or more loan intermediation terminals to the client terminal and then transmits a consultation request to the desired loan agent from the client terminal And can provide the contact information of the client terminal to the lending agent terminal when it is received.

In the step of receiving the loan estimate information, the service providing server may transmit the award certificate to the one or more loan intermediation terminals when the winning bid certificate attached with the real estate sale is attached from the client terminal.

Wherein the loan agent terminal is capable of selectively receiving loan estimate information requested by the client terminal according to a desired region and a court at the time of registering the member subscription, In the step of transmitting to the lending agent terminal, the service providing server may transmit the loan estimate information to the lender agent referring to the information set by the lender agent terminal.

Also, the method of providing a real estate auction loan intermediation service using the mobile application may include providing an evaluation item such that the service providing server can evaluate the client terminal or the loan agent terminal with each other, To the user.

According to the present invention, when a client who installed a mobile application in a terminal requests a loan estimate for a real estate sale through a mobile application, the loan agent terminal presents a loan estimate containing a loanable condition for the loan estimate requested by the customer , It is possible for the client to compare and select the conditions that can be borrowed without consulting or visiting the various loan brokers or financial institutions.

In addition, through the mobile application, it is possible to easily inquire based on the case number of the real estate property, and to offer the loan estimate to the inquired real estate property, it is possible to present the condition that the client can actually borrow.

Also, when a loan quotation is requested for a successful sale, the system identifies the loan and provides information to the loan broker terminal about the sale of the winning bid, so that the client can receive a more accurate loan brokerage service from the loan broker terminal And it is effective to secure a substantial customer from the viewpoint of a loan broker.

In addition, the present invention is based on the evaluation system, in which the client evaluates the loan broker, the loan broker evaluates the client and the evaluation result is reflected in the member class of the client or the loan broker, As well as to improve the quality of loan brokerage services.

1 is a block diagram of a real estate auction loan intermediation service system according to an embodiment of the present invention.
2 is a detailed configuration diagram of a service providing server applied to a real estate auction loan intermediation service system according to an embodiment of the present invention.
3 is a flowchart illustrating a real estate auction loan intermediation service method using a mobile app according to an embodiment of the present invention.
FIG. 4 is a flowchart illustrating a process of joining a service member and a loan agent in a service method according to an embodiment of the present invention.
5 is an exemplary screen showing an example of using a real estate auction loan mediating service using a mobile app in a client terminal according to an embodiment of the present invention.
FIG. 6 is a diagram showing loan estimate information for a real estate sale according to an embodiment of the present invention.
FIG. 7 is a view showing loanable condition-related information to be presented to a loan broker terminal when requesting a loan estimate for real estate sale according to an embodiment of the present invention.

It is noted that the technical terms used herein are used only to describe specific embodiments and are not intended to limit the invention. Also, the technical terms used herein should be interpreted in a sense that is generally understood by those skilled in the art to which the present invention belongs, unless otherwise defined in this specification, and it should be understood that an overly comprehensive It should not be construed as a meaning or an overly reduced meaning.

Also, the singular forms "as used herein include plural referents unless the context clearly dictates otherwise. In the present application, the term "comprising" or "comprising" or the like should not be construed as necessarily including the various elements or steps described in the specification, Or may be further comprised of additional components or steps.

Hereinafter, the present embodiment will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a real estate auction loan intermediation service system according to an embodiment of the present invention.

1, a real estate auction loan intermediation service system 100 according to an embodiment of the present invention includes a client terminal 110, a service providing server 120, and at least one lending agent terminal 130, The one or more lending agent terminals 130 are associated with the legal person terminal 140, the financial institution terminal 150 and the lending loan agent terminal 160 to mediate loan services for real estate auction.

Here, the at least one lending agent terminal 130 means a mobile terminal owned by a lender (e.g., dealer) that links a legal person, a financial institution, or a loan-related intermediary. The mobile terminal may include a mobile phone, a smart phone, a PDA (Personal Digital Assistant), a tablet, and a terminal capable of connecting with the service providing server 120 through the Internet.

Although the one or more loan agent terminals 130 are shown separately from the law firms and the financial institutions for convenience of understanding, the loan agent terminal 130 may be a legal person terminal 140 and a financial institution terminal 150 depending on who is a loan agent, It may be intermediated with the loan agent terminal 130-1.

The one or more lending agent terminals 130 are provided with a dedicated mobile application of the present invention and include conditions enabling the client terminal 110 to lend to a desired real estate transaction in connection with the service providing server 120 through the installed mobile application The loan is presented as a quote.

To this end, at least one loan agent terminal 130 is entitled to use the service through membership in the service providing server 120. In addition, at least one loan agent terminal 130 may set an option for receiving a loan estimate request when registering the member information at the time of membership addition or membership addition. For example, all of the clients, including Seoul, Gyeonggi, Busan, Daegu, and certain districts, Seoul (central / eastern / western / southern / northern district courts, Suwon district courts, Ansan / Anyang support, etc.), client level (excluding one-time members, only high-level members), and so on.

In addition, when more than one lending agent terminal 130 registers member information at the time of membership registration or membership addition, it can provide credibility to the client requesting the loan estimate by attaching data data that can legally identify the lender as legitimate lending agent do. Data that can legally identify a legitimate loan broker may include a business registration number or business registration certificate, a representative name, a loan broker number (such as a loaner number or a loan broker number).

The client terminal 110 is a customer terminal that requests a loan estimate for a court real estate sale. The client terminal 110 is provided with a loan quotation service for a desired real estate sale through a mobile application installed and installed with a dedicated mobile application of the present invention.

The service providing server 120 intermediates the real estate auction lending service in connection with the client terminal 110 and the one or more lending agent terminals 130 through the mobile application. That is, the client terminal 110 requests a loan estimate for a desired real estate sale, and transmits the requested loan estimate information to one or more loan agent terminals 130 to request a loanable condition. Upon receipt of the request, the service providing server 120 receives the loan quotation containing the terms that can be borrowed from the one or more loan intermediation terminals 130 and provides the received loan quotation to the mobile application of the corresponding client terminal 110 . At this time, since the loan conditions may be different depending on the loan agent, the law firm or each financial institution, the client terminal 110 can compare various loan quotes and select them.

When the client terminal 110 selects a desired loan quote and requests a loan consultation, the service providing server 120 provides the contact information of the client terminal 110 to the loan intermediator terminal 130 so that the actual loan consultation is performed . Prior to the consultation request, when the service providing server 120 provides the loan estimate information received from the client terminal 110 to one or more loan agent terminals 130, the contact information of the client is provided in a non-disclosure manner to ensure anonymity.

Particularly, the service providing server 120 according to the present embodiment provides a simple inquiry to the real estate sale registered with the court auction using the case number, and estimates a loan for each property for the inquired real estate sale So that the client terminal 110 can present a practical loan condition.

The service providing server 120 can also provide a differentiated brokerage service according to whether the requested real estate sale is a sale before bidding or an offer for sale if a request for a loan is requested from the client terminal 110. [ For example, if the listing is for sale before bidding, a simple loan quotation request screen is provided so that only essential information necessary for the loan quotation is input, and the approximate loan conditions can be presented based on the information. At this time, the loan agent terminal 130 may present the memo of the loan agent in addition to the loan condition. For example, if the offer is for sale, the service providing server 120 provides a detailed loan estimation request screen to the client terminal 110, and notifies one or more loan intermediation terminals 130 of the loan estimation request for the sale of the winning bidder, A more accurate loan brokerage service is provided from the loan broker terminal, and the broker can secure substantial customers.

In addition, the service providing server 120 may manage the membership level for the client terminal 110 and the at least one lending agent terminal 130, and may alternatively provide a loan quotation request screen according to the membership level.

In addition, the service providing server 120 evaluates the client with respect to the loan broker, the loan broker with respect to the client through the evaluation system, and reflects the evaluation result to the member class of the client or the loan broker, Can be updated.

The service providing server 120 will be described in detail with reference to FIG.

2 is a detailed configuration diagram of a service providing server applied to a real estate auction loan intermediation service system according to an embodiment of the present invention.

The service providing server 120 includes a subscription management unit 121, a member DB 122, a membership grade management unit 123, a service providing unit 124, and a membership evaluation providing unit 125.

The subscription management unit 121 manages the subscription information of the client or the loan agent through member subscription. The client management unit 121a receives the subscription information for the client at the time of membership registration, stores the subscription information in the member DB 122, and identifies whether or not the member is a one-time member according to the number of connections of the client. The loan agent management unit 121b receives the subscription information for the loan agent at the time of membership registration and stores the subscription information in the member DB 122, and the loan agent also identifies the one-time member according to the number of accesses. In addition, the loan broker management unit 121b can receive a setting such that each broker can selectively receive the loan estimate information requested by the client according to the client rating, the desired region, the court, and the like.

In the subscription management unit 121, each of the client management unit 121a and the loan agent management unit 121b may classify the membership level as a one-time member or a general member at the time of first subscription and store the same in the member DB 122. If the client or the loan broker Can be identified by a selection signal of a client or a loan agent on the membership subscription screen.

The member DB 122 stores the member information subscribed to the service through the subscription management unit 121 according to the member class. Membership grades can be classified as one-time, general, or advanced, but are not limited to.

The member class management unit 123 may determine at least one of the number of accesses to the mobile application, the number of case number search for real estate sale, the number of loan quotation request for real estate auction sale, and the number requested for consultation with the loan broker terminal By counting, you can set and change the membership level for the client.

In addition, the member class management unit 123 may set and change the membership level for the lending agent by counting the number of times the quotation processing is processed for the lending quotation request requested by the client terminal to the lending agent terminal. Also, if there is at least one of a business registration number, a business registration certificate, or a loan broker number (such as a loaner number or a loan broker number) in the member information uploaded by the loan broker terminal, .

In addition, the member class management unit 123 can set and change the membership level of the client or the loan broker by reflecting the result evaluated in the member evaluation provider 125 in cooperation with the member evaluation provider 125.

The member evaluation providing unit 125 provides an evaluation item to each of the client terminal and the loan agent terminal so that the loan agent or the client can evaluate each other and delivers the evaluation result to the member rating management unit 123. Through the member evaluation providing unit 125, the client can be trusted with respect to the loan broker, and the loan broker can refer to the client in terms of providing a condition for lending in response to the client's request for quotation or securing the customer.

The service providing unit 124 receives the loan estimate information including the case number and the desired loan amount of the real estate slip, together with the loan estimate request from the client terminal, and transmits the loan estimate information to the one or more loan broker terminals You can send a loan estimate request. Only the loan estimate information corresponding to the setup information of the member information stored in the member DB 122 upon request, that is, the information set by the loan agent terminal, that is, by the client rating, the desired region, Lt; / RTI >

Thereafter, the service provider 124 receives the loan quotation containing the loanable conditions presented by one or more loan agent terminals and provides each loan quote received to the mobile application of the client terminal.

In addition, the service providing unit 124 can confirm whether or not the real estate sale commissioned by the client terminal is a sale for sale, before transferring the loan estimate information to one or more lending agent terminals. In addition, the membership level of the client terminal can be confirmed.

As a result of the confirmation, if one or more of the two is satisfied, the service providing unit 124 may provide a screen for inputting loan estimate information for a real estate sale. For example, if the member is not a successful sale and the member class is also a general member, the service provider 124 provides a simple screen for inputting loan estimate information at least necessary for the loan estimate, and if the sale is for sale or the membership level is a high- The service providing unit 124 may provide a detailed screen for inputting the loan estimate information in detail. The detail screen basically includes the desired amount of the loan for the real estate sale, and includes the type of the desired financial institution, the credit rating, the loan period, the desired loan interest rate, and the like.

In addition, the service providing unit 124 may include information on whether or not to offer a winning bid for a real estate sale so as to provide a differentiated loan brokerage service for the sale of the real estate sale commissioned by the client terminal, To one or more loan brokering terminals.

In addition, the service providing unit 1240 may transmit the winning certificate to the one or more loan brokering terminals when the winning bid certificate attached with the real estate sale is attached to the loan estimation information inputted from the client terminal.

The service providing unit 124 processes the loan estimate information anonymously when the real estate commission requested from the client terminal is a pre-bid sale, transmits the loan estimate information to one or more loan brokers terminals, The client contact information may be transmitted to the at least one lenders' terminal by including the client contact information stored in the loan request information. This is to allow the client to be anonymous to the client in the case of a simple estimate request and free to inquire the client's loan estimate while providing the client's contact information to the client in case of a detailed estimate request .

In addition, the service providing unit 124 may be configured to provide the loan estimate information to the at least one lending agent terminal based on the evaluation result of the client or loan agent evaluated through the member evaluation providing unit 125, .

Hereinafter, a method of providing a real estate auction loan intermediation service according to an embodiment of the present invention will be described with reference to FIG. 3 through FIG.

Referring to FIG. 3, in step S1, a service providing server of a real estate auction loan intermediation service system according to an embodiment of the present invention receives membership registration through a mobile application of a client terminal and a loan agent terminal, respectively. The service providing server may store the member class separately for the client or the loan broker when the member is registered.

In the membership joining step, the client terminal may use the service at one time without necessarily joining the membership.

In step S2, the service providing server may guide the client terminal to an inquiry screen for inquiring the real estate property, and receive the case number of the real estate property on the inquiry screen.

For example, as shown in FIG. 5, the inquiry screen may include a field for inputting an event number for real estate surplus, a search button for requesting a search based on the case number input in the input field, and the like. The case number is the code assigned to each property in the court auction in the form of '2014 (year) to 16999 (case number)'. Or '(district court) + (year) + boutique + (case number) + (object number if object number).

In step S3 and step S4, the service providing server provides the inquiry list result for the case number inputted and selects the list (event number) for the relevant item from the list result (refer to the inquiry result list screen of FIG. 5).

In step S5, the service providing server guides the client terminal to input the loan estimate information together with the bidding information for the list (case number) selected by the service providing server, and displays the desired amount of loan and the case number from the client terminal on the estimate request screen And receives a loan quotation request at the same time.

5, the quotation request screen 113 includes an area 113a for displaying the bid information for the case number selected by the client terminal, an area 113b for inputting the loan estimate information for the case number, And a button 113c for requesting the user to request the service.

At this time, the area 113b for inputting the loan estimate information can provide a differentiated input screen according to the membership level of the client terminal and whether or not it is sold. For example, when the service providing server receives a request for a loan estimation request from a client terminal, the client terminal can confirm whether the client terminal is a service subscriber or a member class and provide the simplified screen or the detailed screen according to the confirmation result.

The simple screen basically includes the case number, the client ID (including the client's nickname), and the desired amount of the loan, which is a screen for inputting the loan estimate information that is required to a minimum in the loan estimate. The details screen is a screen where you can enter the details of the loan estimate information. It is a screen to input the loan amount desired for real estate sale, the case number, the client ID (including the client's nickname), the type of the desired bank, credit rating, loan period, . ≪ / RTI >

In step S5, when the service providing server receives a request for a loan quotation request from the client terminal, the service providing server can confirm whether the real estate sale of the case number is a winning sale, and provide a simple screen or a detailed screen according to the confirmation result . Provide a detailed screen for the sale of the winning bid so that the client can request a loan quotation request specifically, and the loan broker should provide more accurate loan conditions.

In step S6, the service providing server transmits the loan quote information received from the client terminal to one or more loan intermediation terminals and requests a loanable condition. Upon request, the service providing server stores only the loan estimate information corresponding to the information set by the loan agent terminal, that is, the setting information on the selection and reception of each client, the desired region, and the court, among the member information stored in the member DB To the intermediary terminal.

As shown in FIG. 6, the loan quotation information to be transmitted to the loan agent terminal is basically the case number (for example, Seoul Southern District 2001 Busan 16999 [2]), the client ID (or nickname) And may include the type of financial institution, the credit rating, the loan period, the desired interest rate, the information on whether or not to win, and the client's contact information, depending on the sale price or the member grade.

In step S7, the service providing server receives the loan quotation containing the loanable conditions that the at least one loan agent terminal presents, and provides the mobile application of the client terminal with the received loan quotation. 7), a loan broker information (including a loan broker ID (or nickname) or a loan broker contact number), a loan amount And may include the type of financial institution, the desired interest rate, the possible loan amount, and the notes of the loan agent according to the sale price or the member grade. The loanable amount may be expressed in terms of a unit of money (for example, 00000 won) as shown in FIG. 7, or may be written as '70% of the KB quotation', 'a lower amount of 80% of the contract price' .

In this embodiment of the present invention, when the client inputs the case number and the desired amount of loan for the real estate sale and requests the loan estimate, the loan estimate information is transmitted to the loan broker and the loan brokers receiving the loan estimate information This is in the form of a reverse auction that is presented to the client.

FIG. 4 is a flowchart illustrating a process of joining a service member and a loan agent in a service method according to an embodiment of the present invention.

In this embodiment, the subscription procedure is classified according to whether the subscriber of the service is a client or a loan agent, and the subscriber may be classified into a screen for service use and information transmission after the subscription.

First, in step S100, the service providing server receives a signal from the client terminal or the loan agent terminal to select whether the member to be joined is a client or a loan agent.

If the selected signal is a client, the service providing server provides a client subscription screen as in step S110. Thereafter, in step S112, the service providing server can selectively receive and set the client contact.

If the selected signal is a loan broker, the service providing server provides a loan brokers subscribe screen as in step S120.

In the next step S122, the option can be set so that the service providing server can selectively receive the loan quotation request. For example, it can be set for the client's choice of receiving and receiving, the receiving and receiving of the request by the desired region, the reception by the court, and the receiving by the auction real estate type.

In the next step S124, the service providing server can receive and set data data that can legally identify the loan broker from the loan broker terminal. The data material may include any one of a business registration number, a loan broker number, and a representative name.

Although the steps S122 and S124 are performed in the membership joining step, the present invention is not limited to this, and the membership information may be additionally set after the membership joining step.

In step S130, when the service providing server receives the subscription completion selection from the client terminal or the loan agent terminal, the input subscription information is stored and service member subscription is completed.

The foregoing description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the spirit of the present invention. Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

100: Real Estate Auction Loan Brokerage Service System
110: Client terminal 120: Service providing server
130: one or more lending brokers terminal 140:
150: financial institution terminal 160: loan loan broker terminal
121: Subscription management unit 121a:
121b: Loan broker management part 122: Member DB
123: member rating management unit 124: service provider
125: Membership Evaluation Offering

Claims (19)

A client terminal installed with a mobile application for using a real estate auction loan brokerage service and requesting a loan estimate for a desired real estate sale through the mobile application;
At least one lending agent terminal for presenting a loan quotation containing conditions for lending to the real estate property; And
When the mortgage quotation information including the case number of the real estate property is input through the mobile application of the client terminal, the mortgage information is inputted through the mobile application of the client terminal, And transmits the loan estimate information to the one or more loan agent terminals to request a loanable condition and receives the loan estimate including the loanable conditions presented by the one or more loan agent terminals and provides the loan estimate to the mobile application of the client terminal A service providing server,
The service providing server may be configured to provide a differentiated loan brokerage service according to whether the real estate sale of the event number inputted through the mobile application of the client terminal is a pre-bid sale or a sale for sale, Providing a detailed loan estimation request screen through the mobile application that provides a quotation request screen through the mobile application and requests the user to input loan estimation information more detailed than the simple loan estimation quotation screen in case of a sale,
The service providing server transmits the loan estimate information to the at least one lending agent terminal when the loan estimate is requested through the mobile application of the client terminal with the contact of the client terminal as private, And providing a contact information of the client terminal to the loan broker terminal when a consultation request is received from the client terminal for a desired brokerage broker after providing the received loan inquiry sheet to the client terminal, Intermediary service system.
The method according to claim 1,
The simple loan quotation request screen includes the case number and the desired loan amount for the real estate sale,
Wherein the detailed loan estimation request screen includes an event number, a desired loan amount, a desired bank type, and a credit rating for the real estate sale.
delete The method according to claim 1,
The service providing server includes:
The mobile terminal of the client terminal confirms whether the real estate sale of the event number inputted through the mobile application of the client terminal is a pre-bid sale or a sale for sale, and includes information on whether or not to win the real estate sale, To the intermediary terminal, and transmits the message to the intermediary terminal.
delete delete The method according to claim 1,
The service providing server includes:
Wherein the mobile terminal transmits the winning bid certificate to the one or more loan broker terminals when the winning bidder is attached to the loan estimate information inputted from the client terminal. Service system.
The method according to claim 1,
The service providing server includes:
Counting at least one of the number of connections to the mobile application, the number of case number searches for the real estate sale, the number of loan quotation requests for the real estate auction sale, and the number of counseling requests made by the loan agent terminal to the client terminal, And setting and changing the membership level of the client terminal.
The method according to claim 1,
The service providing server includes:
Wherein the credit agent terminal is configured to set and change the membership level of the loan agent terminal by counting the number of quotations processed by the client terminal with respect to the request for loan estimate requested by the client terminal, .
The method according to claim 1,
The lending agent terminal,
When the member information is registered in the service providing server, it is possible to selectively receive the loan estimate request according to the desired region and the court,
When the service providing server requests a loan estimate from the client terminal, transmits the loan estimate information matching the information set by the loan agent terminal to the loan agent terminal using the mobile app. .
The method according to claim 1,
The service providing server includes:
The client terminal is provided with an evaluation item so that the client can be evaluated with respect to the client against the loan agent, and the evaluation result is reflected in the member rating of the client or the loan agent. Real Estate Auction Loan Brokerage Service System.
The method according to claim 1,
The service providing server includes:
Wherein the credit intermediary terminal assigns a weight to the evaluation of the loan broker when the data identifying the legitimate loan broker is attached to the loan broker terminal.
delete delete delete delete delete delete delete
KR1020150120099A 2015-08-26 2015-08-26 System for intermadiating loan service for real estate auction using mobile application KR101727393B1 (en)

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KR100730564B1 (en) * 2005-07-19 2007-06-20 한창수 Real tender intermediation service system and the management method thereof
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KR100926112B1 (en) * 2008-02-19 2009-11-11 엔에이치엔비즈니스플랫폼 주식회사 Method, system and computer-readable recording medium for providing information on real estate confirmed as genuine object for trade
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