KR101900614B1 - CUSTOMIZED REALTIME Method and System for loan brokerage service - Google Patents

Abstract

An embodiment of the present invention provides a customized real-time loan product brokerage service method which comprises the steps of: confirming an access of a terminal of a website; providing a web page to the terminal by a brokerage server; receiving a real-time customized product search request signal from the terminal by the brokerage server; providing a customer information web page to the terminal in response to the real-time customized product search request signal by the brokerage server; analyzing customer information received from the terminal by the brokerage server; and providing loan product information to the terminal based on the analyzed customer information by the brokerage server.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and system for real-

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a method and system for relaying a loan product, and more particularly, to a method and system for relaying a loan product customized to a customer in real time.

In recent years, e-commerce has been conducted in a variety of concessions through information circulation such as the Internet, and various financial products have been actively applied and attempted in the field of financial services. In financial products, e-commerce has been actively performed especially for loan products. Lending means borrowing money through a lending review that takes into account the ability of the lender to repay the lender.

Each lender, ie, each financial institution develops, sells, and operates various loan products, accepts loan applications from a large number of lenders through an e-commerce environment such as the Internet, It sells loan products.

However, since a variety of loan products are sold and operated by each lender, customers who want to borrow a loan have difficulties in applying for loans to each lender, and it is not easy to acquire information about loan products that are sold by lenders It is difficult to compare and review loan products, and in the end, there was a great difficulty in selectively purchasing loan products with favorable conditions.

Moreover, due to the nature of loan products, interest rates of loan products fluctuate from time to time according to the economic situation and circumstances of each lender, new products are released according to changes in interest rates, but customers are not able to acquire such information quickly. There is a problem in that it is not possible to eliminate the burden on the loan interest rate by purchasing a loan commodity advantageous to oneself using the fluctuation of the interest rate.

In order to solve these problems, the Internet-based lending relay service, which has appeared recently, allows a small number of lenders to provide loan products information to customers who wish to borrow, so that lenders can purchase favorable loan products. Customers who want to borrow money because they operate independently are obliged to visit the internet site of each loaner to retrieve the loan product information at once, and it is also inconvenient to respond to the loan review conducted by each lenders. In addition, the lenders are striving to provide and sell their loan product information in a superior position compared to the customers who wish to make a loan, and the lenders are avoiding competition with loan products being sold. Recently, a service that collectively provides information on a plurality of lenders has been introduced. However, customers wishing to lend themselves have to check the lenders information suitable for them, and it is troublesome to share credit information or loan history information for each lenders have. In addition, it is difficult for customers who want to borrow money to judge the collection method or the collection rate of each of the lending companies. There are limitations in relaying technology.

Korean Patent Publication No. 10-2014-0036845 A1

In order to solve the above-mentioned problems, the present invention has been made to solve the above-mentioned problems, and an object of the present invention is to provide a lending relay system of the present invention to lenders, To provide loans to the lenders from customers who wish to obtain loan information so that customers who wish to make lending have a wider choice of lending products and lenders will be able to sell lending products to customers who want high quality lenders. And to provide a loan relay system.

Another object of the present invention is to provide a system capable of extracting various information from a customer who wishes to make a loan, analyzing the information, and providing customized loan company information to the customer in real time based on the analyzed information.

An embodiment of the present invention includes: confirming connection of a terminal of a website; The relay server providing a web page to the terminal; The relay server receiving a real-time customized merchandise search request signal from the terminal; Providing the customer information web page to the terminal in response to the real time customized product search request signal; Analyzing customer information received from the terminal by the relay server; And providing the loan product information to the terminal on the basis of the analyzed customer information.

In another aspect, the relay server receives a local search request signal from the terminal; The relay server providing local information to the terminal; Receiving, by the relay server, selected area information from the terminal; And providing the loan commodity information matching the selected local information to the terminal by the relay server.

According to another aspect of the present invention, the relay server may further provide the local loan issue information corresponding to the selected local information to the terminal.

According to another aspect of the present invention, the relay server receives a product-specific search request signal from the terminal; Receiving, by the relay server, desired product information from the terminal; And providing the desired loan product information to the terminal on the basis of the desired product information by the relay server.

In another aspect, the relay server receives selection information of loan products from the terminal; The relay server receiving personal information utilization agreement information from the terminal; Transmitting the personal information transmission request signal of the customer to the information providing server by the relay server; The relay server receiving personal information of the customer from the information providing server; Analyzing the personal information of the customer by the relay server and estimating the psychological state corresponding to the collection of the customer; Comparing the first numerical information according to a predicted customer's collecting psychological state predicted by the relay server and second numerical information according to a collection method of each of the loan products stored in advance and stored by the customer; When the second numerical information is equal to or more than a predetermined value than the first numerical information, the relay server confirms whether or not the collection method change request can be made to the lending company server that provides the loan products having the second numerical information, Transmitting a signal; Receiving the collection method change allowable information from the lending company server; And providing the loan merchandise information provided by the lending company server providing the collection method change allowable information to the relay server, wherein the personal information of the customer is health status information of the customer, The information providing server may provide a real-time personalized loan product relaying method which is a server of a hospital in which the customer is treated or treated.

According to the present invention, customers wishing to make a loan can acquire loan product information of each financial company through the Internet without having to visit a financial institution to obtain a loan consultation, search various loan product information, And can receive the loan product information corresponding to the loan request information provided by the user and easily compare and review the loan product information to purchase the loan product.

In addition, according to the present invention, it is possible to detect various information from a customer and provide optimal customized loan company information to a customer.

The present invention also provides a system for preventing the loss occurrence of a loan company due to non-reimbursement by adjusting a reimbursement date adjustment or collection degree based on various personal information of a customer and preventing a social problem due to excessive collection can do.

1 is an exemplary block diagram of a lending relay system according to an embodiment of the present invention.
2A is an exemplary configuration diagram of a relay server.
2B is a configuration diagram of the loan relay processing unit.
FIG. 3A and FIG. 3B are flowcharts of a method for providing a loan to a local area according to an embodiment of the present invention.
FIGS. 4A and 4B are flowcharts of a method of providing a loan according to another embodiment of the present invention.
5A and 5B are flowcharts of a customized loan relaying method according to another embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The present invention is capable of various modifications and various embodiments, and specific embodiments are illustrated in the drawings and described in detail in the detailed description. The effects and features of the present invention and methods of achieving them will be apparent with reference to the embodiments described in detail below with reference to the drawings. However, the present invention is not limited to the embodiments described below, but may be implemented in various forms. In the following embodiments, the terms first, second, and the like are used for the purpose of distinguishing one element from another element, not the limitative meaning. Also, the singular expressions include plural expressions unless the context clearly dictates otherwise. Also, the terms include, including, etc. mean that there is a feature, or element, recited in the specification and does not preclude the possibility that one or more other features or components may be added. Also, in the drawings, for convenience of explanation, the components may be exaggerated or reduced in size. For example, the size and thickness of each component shown in the drawings are arbitrarily shown for convenience of explanation, and thus the present invention is not necessarily limited to those shown in the drawings.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals refer to like or corresponding components throughout the drawings, and a duplicate description thereof will be omitted .

1 is an exemplary block diagram of a lending relay system according to an embodiment of the present invention. 2A is an exemplary configuration diagram of a relay server, and FIG. 2B is a configuration diagram of a loan relay processing unit.

1, the lending relay system 10 according to the embodiment of the present invention may include a relay server 100, a terminal 200, an information providing server 300, and a loaner company server 400.

The elements of FIG. 1 may be implemented or associated with, for example, servers, software processors, and / or engines and / or various embedded systems. And the elements may be provided as content beading and / or distributed networks.

Although only one terminal 200, one relay server 100, an information providing server 300 and a lender server 400 are shown in FIG. 1 for clarity, embodiments may include more user terminals and multiple You can have servers in case.

The relay server 100 is a computing device that provides a web page including contents related to lending company information on a website for loan relaying, and the information providing server 300 is a public device that can provide various information related to customers / Private institution, wherein the loaner's server 400 is a lending company's computing device that provides a loan service, comprising a bus and at least one memory device coupled to the bus, at least one processor, a plurality of presentation devices, / Output ports, input / output devices, and power supplies.

The memory device may include a hard disk, volatile memory, a buffer, and the like. The processor can control overall data communication between the terminal 200, the information providing server 300, and the loaner company server 400 for relaying the loan of the relay server 100. The presentation device may include a graphics card, a monitor device, and a display device. The input / output port may provide connection of a peripheral device such as a digital camera, a printer, a microphone, a speaker, an external storage device, and the like. The input / output device may be a digital camera, a printer, a speaker, or an external storage device. The power supply may provide power for activating the relay server 100.

On the other hand, the relay server 100 does not have to have all of the devices described above to be implemented. It will be apparent to those of ordinary skill in the art that the description of the individual components is for clarity of each component, and the components may not be clearly distinguished in practice, and that a plurality of components may be represented by a single device.

For example, when the relay server 100 is a portable device having portability such as a tablet PC or a smart phone, the relay server 100 may be integrated with a digital camera, a speaker, a microphone, or the like as the peripheral device.

2A, the relay server 100 includes a display unit 110, an input unit 120, A communication unit 130, a loan relay processing unit 140, and a storage unit 150.

2B, the lending relay processing unit 140 may include a lending company search unit 141, a personalized goods search unit 142, a collection information processing unit 143, and a reimbursement information processing unit 144. [

The storage unit 150 includes a loaner company database 600.

The loaner company database 600 may include a regional loaner company database 610 and a product-specific loaner company database 620.

The display unit 110 may be a liquid crystal display (LCD), a field emission display (FED), a plasma display panel (PDP), an electroluminescence device, EL) method, an electrophoretic display method, and an organic light emitting diode display method.

The input unit 120 may be a touch screen integrated with the display unit 110, but is not limited thereto and may include a mouse or a keyboard.

When the information on the lending company is input through the input unit 120, the relay server 100 can store various information on the inputted lending company in the storage unit 150.

The terminal 200 is one or more computers or other electronic devices used by a user to execute applications that perform various tasks necessary for loan relays. For example, a PCS (Personal Communication System), a GSM (Global System for Mobile communications), a PDC (Personal Digital Cellular), a CDMA (Code Division Multiple Access) -2000, a W- A mobile phone, a PDA, a tablet PC, or an intermediary server 100, an information providing server (not shown), a personal digital assistant 300 or any other device operable to communicate with the loaner server 400. [ The terminal 200 includes processing logic that executes on various machines and interprets and executes the instructions stored in the plurality of memories. The terminal 200 includes a processing unit (not shown) for operating a graphical user interface (GUI) on an external input / And various other elements such as processes for displaying graphical information. In addition, the terminal 200 may be connected to an input device (e.g., a mouse, a keyboard, a touch sensing surface, etc.) and an output device (e.g., a monitor, a screen, etc.).

Applications executed by the terminal 200 may include web browsers, web applications running in a web browser, word processors, media players, spreadsheets, image processors, security software or otherwise.

The user can visit the web site for the loan relay where the relay server 100 is executed on the web browser of the terminal 200 of the user. The web browser may be, but is not limited to, a traditional web browsing application such as Microsoft Internet Explorer, Google Chrome or MOZILLA FIREFOX.

Web pages displayed in a web browser may include fixed content such as text and images. The web page may also include active content, such as JavaScript and FLASH objects, written in other programming languages or JavaScript executed by a web browser.

Content within a web page can be identified by identifying one or more of the items, services (the service is defined as included in the product for the convenience of description herein), ideas, messages, people, groups, or other items And includes any form of communication that is promoted (or delivered). In addition, the content may include any other type of announcement or message and hyperlink, and may include audio and / or video loan transit advertisements, without limitation to loan intermediary advertisements and commercial promotions. Further, the content may mean both a single creative and a content group.

The network 500 may include any element or system that facilitates communication between various network nodes, such as a relay server 100, a terminal 200, an information providing server 300 and a lender server 400 . For example, the network 500 may include one or more telecommunication networks, such as computer networks, telephone or other communication networks, the Internet, and the like. The network 500 may also include a shared public or private data network covering wide area (e.g., WAN) or near area (e.g., LAN). In some implementations, the network 500 may facilitate exchanging data in a packet-switched manner using the Internet Protocol (IP). In addition, the network 500 may facilitate wired and / or wireless connections and communications.

FIG. 3A and FIG. 3B are flowcharts of a method for providing a loan to a local area according to an embodiment of the present invention.

1 to 3B, a loan relay method (SlOO) for providing a lender search function according to an embodiment of the present invention includes a step S110 of confirming a connection of a terminal to a website provided by a relay server, The relay server provides the web page to the terminal (S120), the relay server receives the local search request signal from the terminal (S130), and the relay server provides the local list information to the terminal in response to the regional search request signal In operation S140, the relay server receives the local information from the terminal in operation S150. The relay server may provide local loan product information corresponding to the received local information to the terminal in operation S160.

In detail, in step S110, the customer of the terminal 100 confirms the connection of the terminal to the web site provided by the relay server. The customer of the terminal 100 inputs the search word into the search engine of the web browser, 100, the relay server 100 can confirm the connection of the terminal 200 to the web site.

 The relay server 100 provides the web page to the web browser of the terminal 200 and the web page is displayed on the terminal 200 in step S120 in which the relay server provides the web page to the terminal.

When the relay server receives a region-specific search request signal from the terminal (S130), the customer clicks a tab for searching a lender for each region in the web page through the input device of the terminal 200, 200 to the relay server 100, whereby the relay server 100 can receive the regional search request signal.

In step S140, the relay server 100 provides region list information to the terminal in response to the regional search request signal. In response to the regional search request signal, the relay server 100 transmits information on the region previously registered to the terminal 200 Can be provided in the form of a web page.

 In step S150, the relay server receives local information from the terminal, the customer can click any one of the regions displayed on the web page through the input device of the terminal 200, And can be transmitted to the relay server 100.

The relay server provides the loan product information corresponding to the received local information to the terminal in step S160. The loan relay processor 140 of the relay server 100, more specifically, the loaner search unit 141, The information of the lending company servicing in the same area as the received area is read from the lending company database 610 in the lending company database 600 based on the received local information, To the terminal 200 to be displayed on the terminal 200.

When the relay server 100 receives the local information from the terminal 200, the relay server 100 can transmit the local information to the information providing server 300. [ The information providing server 300 can detect the received loan issue information and transmit the detected loan issue information to the relay server 100. The relay server 100 can transmit the loan issue information to the terminal 200. [

The lending issue information by region can be information on commodities available to residents residing in each area, such as information on the livelihood products of the locals in a specific area, and information on loan products in the rural areas.

According to the embodiment of the present invention, a customer can directly connect to a lending company that provides loan products to a person who lives in his / her area through the relay server 100. In addition, there is an advantage that information on loan issue can be received conveniently by region.

The loan issue information of each region has a lot of low interest rate products and a lot of loan products which have a benefit, so that customers can provide better loan product information.

FIGS. 4A and 4B are flowcharts of a method of providing a loan according to another embodiment of the present invention.

Referring to FIGS. 1, 2A, 2B, 4A, and 4B, a loan relay method (S200) for providing a lender search function according to another embodiment of the present invention includes: (Step S210). The relay server provides the web page to the terminal (S220). The relay server receives the product-specific search request signal from the terminal (S230) (S240). The relay server receives desired product information from the terminal (S250). The relay server provides desired loan product information corresponding to the received desired product information to the terminal (Step S260).

In detail, in step S210, the customer of the terminal 100 confirms the connection of the terminal to the web site provided by the relay server. The customer of the terminal 100 inputs the search word into the search engine of the web browser, 100, the relay server 100 can confirm the connection of the terminal 200 to the web site.

 In step S220, the relay server provides a web page to the terminal. The relay server 100 provides a web page to the web browser of the terminal 200, and the web page is displayed on the terminal 200. [

In step S230, when the relay server receives a product-specific search request signal from the terminal, the customer clicks a tab for searching for a lender by product in the web page through the input device of the terminal 200, 200 to the relay server 100, whereby the relay server 100 can receive the product-specific search request signal.

In step S240, the relay server 100 provides the loan product information to the terminal in response to the product-specific search request signal. The relay server 100 transmits information on the goods registered in advance to the terminal 200 in response to the product- Can be provided in the form of a web page.

 In step S250, the relay server receives the desired product information from the terminal, the customer can click any one of the desired products displayed on the web page through the input device of the terminal 200, The desired product information can be transmitted to the relay server 100.

The relay server provides the desired loan product information corresponding to the received desired product information to the terminal in step S260, the loan relay processing unit 140 of the relay server 100, more specifically, the loaner searching unit 141 Reads the information of at least one lending company matched to the received desired product from the lending company database 620 in the lending company database 600 based on the received desired product information, To the terminal 200 so as to be displayed on the terminal 200 in the form of a web page.

Here, the information on the desired loan product information includes information such as an employee's loan, a woman's loan, a non-guaranteed loan, an unemployed loan, a small loan, a short-term loan, a personal money loan, Including, but not limited to, personal recourse loans, automobile secured loans, chartered loans, real estate secured loans, loans below grade 6, business loans, credit recovery loans, bankruptcy-free loans, employment loans, college loans, It is not.

The embodiment of the present invention categorizes a large number of loan products and presents them to customers, thereby allowing a customer to relay a more suitable loan product among a plurality of loan products.

5A and 5B are flowcharts of a customized loan relaying method according to another embodiment of the present invention.

Referring to FIGS. 1, 2A, 2B, 5A and 5B, the customized loan relay method (S300) according to another embodiment of the present invention includes confirming a connection of a terminal to a website provided by a relay server (S310), the relay server provides a web page to the terminal (S320), the relay server receives a real-time customized product search request signal from the terminal (S330), and the relay server responds to the real- (Step S340). The relay server receives the customer information from the terminal (S350). The relay server analyzes the received customer information (S360). Based on the analyzed customer information And providing the loan product information to the terminal (S370).

In detail, in step S310, the customer of the terminal 100 confirms the connection of the terminal to the web site provided by the relay server. The customer of the terminal 100 inputs the search word into the search engine of the web browser, 100, the relay server 100 can confirm the connection of the terminal 200 to the web site.

 The relay server 100 provides a web page to the web browser of the terminal 200 and the web page is displayed on the terminal 200 in step S320 in which the relay server provides the web page to the terminal.

When the relay server receives a real-time customized product search request signal from the terminal (S330), the customer clicks a tab for real-time customized product search in the web page through the input device of the terminal 200, A signal is transmitted from the terminal 200 to the relay server 100 so that the relay server 100 can receive the real-time customized product search request signal.

In step S340, the relay server provides the customer information web page to the terminal in response to the real-time customized product search request signal. The relay server 100 may provide the terminal with a web page for inputting customer information.

In addition, the relay server 100 can provide a web page in which the customer can select any one of the applicant category items such as an employee, a business person, a housewife whose spouse is an employee, a housewife who is a business person, a young person and a freelancer, When the user selects one of the listener category items through the terminal 200, the web page mapped according to the selected listener category can be provided to the terminal 200.

Among the web pages where the customer information can be inputted, the web page of the worker customer includes the information of the customer's personal information, the desired loan amount information, the residence area information, the desired loan product information, the desired interest rate information, the information on the desired repayment method, Information on the workplace, information on the workplace, information on the workplace, information on the employment type, information on the form of the on-the-job medical insurance, information on the classification on the business, category information on the industry, and loan status information.

Here, the desired loan product information may include a credit loan, a secured loan, and a debt adjustment loan. And the desired redemption method information may include redemption at maturity, principal repayment, principal repayment, revolving, self-repayment.

Among the web pages where customer information can be input, the business customer web page includes information on the customer's personal information, desired loan amount information, residential area information, desired loan product information, desired interest rate information, desired repayment method information, credit rating information, Information that allows the user to write information on sales, sales information, business period information, business entity classification information, business ownership information, and loan status information.

Among the web pages on which the customer information can be input, the housewife customer web page, in which the spouse is the worker, includes the customer's personal information, the desired loan amount information, the residential area information, the desired loan product information, the desired interest rate information, Information that can be used to enter the information on the spouse, income information on the spouse, working period information, working type information, employment type information, occupational health insurance type information, company classification information, sector classification information and previous loan status information.

Among the web pages where the customer information can be input, the spouse's web page of the spouse's business operator includes information on the customer's personal information, desired loan amount information, residential area information, desired loan product information, desired interest information, Information that can be used to input business information, business income information, sales information, business term information, business entity classification information, business premises ownership information, and loan status information.

Among the web pages on which the customer information can be input, the youth customer web page includes information on the customer's personal information, desired loan amount information, residential area information, desired loan product information, desired interest rate information, desired repayment method information, Information on the name of the department, information on the name of the department, grade information, grade information, school attendance information, income classification information, monthly income amount information, working period information, and previous loan status information.

Among the web pages where customer information can be input, the freelancer customer web page includes information on the customer's personal information, desired loan amount information, residential area information, desired loan product information, desired interest rate information, desired repayment method information, credit rating information, Information that can be used to enter the information, the working period information, the work type information, the employment type information, the work medical insurance type information, the company classification information, the business classification information, and the loan status information.

When the relay server receives the customer information from the terminal (S350), the relay server 100 inputs the information to the customer information web page, and the inputted information is transmitted from the terminal 200 to the relay server 100 .

The relay server analyzes the received customer information in step S360 and the loan relay processing unit 140 of the relay server 100 more specifically the customized product search unit 142 searches for the best matching rate This high lender information can be analyzed. In order to match the customer information with the loan company information, the customized merchandise searching unit 142 stores the maximum loanable amount information of the loan company to be registered in the first relay server 100, Information on major loan products, interest rate information, information on preferred repayment methods, credit rating information that can be approved for loans, maximum loanable amount information based on work income, maximum loanable amount information per work type, maximum loanable amount by employment type Information on maximum allowable amount of each medical insurance form, information on maximum allowable amount of each company information, and information on maximum allowable amount of each allowable amount can be stored in advance.

In step S370 of providing the loan product information to the terminal based on the analyzed customer information, the relay server 100 provides at least one matching loan company information to the terminal 200, The information of the loan company can be displayed.

In another aspect, the relay server 100 receives at least one loan product selection information from the terminal 200, the relay server 100 receives the personal information utilization agreement information from the terminal 200, The relay server 100 having received the usage agreement information transmits a transmission request signal of the customer's personal information from the information providing server 300, a step of receiving the customer's personal information from the information providing server 300, The relay server 100 analyzes the personal information of the customer and estimates the psychological state corresponding to the collection of the customer. The relay server 100 stores the first numerical information according to the predicted customer's collecting psychological state in advance, Comparing the second numerical information according to a collecting method of each of the selected loan products to each other, comparing the second numerical information with the first numerical information, The relay server 100 transmits a collecting method change request confirmation signal to the lending company server 400 providing the loan products with the information, and the relay server 100 receives the collecting method change allowable information from the lending company server 400 The relay server 100 may further include providing the loan product information provided by the loaner company server 400 providing the collecting method change allowable information to the terminal 100. [

More specifically, in the step of receiving at least one loan product selection information from the terminal 200, the relay server 100 can select at least one loan company among the loan companies displayed on the terminal 200 . One or a plurality of companies to which the customer wishes to receive the loan service from the loan company information provided by the relay server 100 can be designated through the input device provided in the terminal 200. [

The terminal 200 can transmit the loan product selection information selected by the customer to the relay server 100.

In the step of receiving the personal information utilization agreement information from the terminal 200, the relay server 100 may transmit the web page including the content for the personal information utilization agreement to the terminal 200, The transmitted web page may be displayed on the terminal 200.

Customer may agree to use personal information on web pages.

The personal information to be used here can be the patient's consent to use health status information. If the customer agrees to use the personal information through the terminal 200, the agreement information is transmitted to the relay server 100.

The relay server 100 having received the personal information utilization agreement information transmits the transmission request signal of the customer's personal information from the information providing server 300 to the collection information processing unit 143 of the relay server 100, 130 to the information providing server 300. The information providing server 300 transmits the transmission request signal of the customer's personal information including the customer's information.

Here, the information providing server 300 is a server of a hospital visited by the customer and treated or diagnosed, and the information providing server 300 stores the health status and the body information of the customer. In another aspect, the information providing server 300 may be a server for storing the customer's body information received from the sensing device of the terminal 200. [ Here, the sensing device is a camera device provided in the terminal 200, a microphone device provided in the terminal 200, an infrared sensor of the terminal 200, or a biometric information sensing device provided in the terminal 200. The body information of the customer received from the sensing device may include at least one of face image information, iris image information, retina image information, hand shape information, customer's heart rate information detected from an infrared sensor, The heart rate information of the customer detected from the device, and the blood information.

In the step of receiving the customer's personal information from the information providing server 300, the relay server 100 can receive the body information corresponding to the customer's personal information from the information providing server 300. [

In the step of analyzing the customer's personal information and predicting the collective psychological state of the customer by the relay server 100, the collection information processing unit 143 analyzes the customer's body information received from the information providing server 300, Can be predicted. The prediction of customer's collective psychological state is to quantify the customer's depression resistance, sensitivity, and nervousness when the customer receives the collection periodically from the lender, and averages these values to generate the first numerical information. The lower the first numerical information is, the more frequent depression symptom is likely to occur due to the weakness of depression of the customer in periodic collection, and the more susceptible the patient is, the more likely it is to develop pathological symptoms due to neuroticism. For example, if the first numeric information of customer A is 5 and the first numeric information of customer B is 10, then customer A may have to pay for the external customer, such as receiving periodic collection from the same lender It is the case that depression symptom is likely to occur because of influence.

The relay server 100 compares the first numerical information according to the predicted customer collecting psychological state and the second numerical information according to the collecting method of each of the loan products previously stored and selected by the customer, The processing unit 143 can calculate the second numerical information according to the collecting method from information on the collecting method previously stored for each of the loan products selected by the customer. That is, as the collection method is disadvantageous to the customer, the second numerical information can be calculated to be higher.

For example, if the C lenders make a collect call once a day, the second numerical information is 5, and if the D lenders make a collect call once a day, The second numerical information is 10.

Then, the collection information processing unit 143 compares the first numerical information and the second numerical information with each other.

If the second numerical information is greater than or equal to the preliminarily set collection allowance value, the lending company server 400 providing the loan products having the second numerical information that is equal to or greater than the predetermined value is checked For example, when the collecting allowance is 3, the first numerical information of the customer A is 5, the second numerical information of the C lenders is 5, and the second numerical information of the D lenders is 10 The collection information processing unit 143 has the same numerical value because the second numerical information of the C lenders is 5 and the first numerical information of the customer A is 5 and the second numerical information of the D lenders is the first numerical value of the customer A The information on the collecting method change request can be transmitted to the lending company server 400, which is a server of the D lending company.

As another example, if the collection allowance is 3, the first numerical information of the customer B is 10, the second numerical information of the C lenders is 5, and the second numerical information of the D lenders is 10, 143 does not transmit the collection method change request confirmation signal to the lender server 400 because the second numerical information of the C and D lenders is not larger than the first numerical information of the B customers.

The relay server 100 receives collection method change permissible information from the lending company server 400 and the relay server 100 transmits the collection method of the loan product 400 provided by the lender server 400, The information processing unit 143 receives the collecting method change permissible information from the lending company server 400, which is a server of the D lending company, through the communication unit 130, As a recommendation loan company, designating the after-tax loan company as a D loan company, rearranges the loan product information provided by the C and D loan companies, and provides the information to the terminal 200. [

However, if the relay server 100 does not receive the collecting method change allowable information from the lending company server 400, which is a server of the D lending company, for a preset period of time, the loan provided by the C lending company Only the product information is provided to the terminal 200.

In the embodiment of the present invention, when the customer delays the repayment of the loan due to various reasons, it is possible to provide only the product of the loan company suitable for the customer according to the collection method of the loan company to the customer.

In detail, a lender often makes daily telephone calls, text messaging, or even visits to the customer's home when the delinquency is overdue. However, in the case of customers, receiving a collect call due to a loan may be too burdensome and painful, and the burden or pain may be increased depending on the physical specificity of the customer such as the possibility of depression, susceptibility or nervousness, Sometimes, even if the psychological instability of these customers is increasing, even if the collection is not stopped, extreme choices of suicide are often made. However, in the embodiment of the present invention, the relay server 100 stores information on the collecting method of the lending company in advance and quantifies the degree of collecting method of the lending company. Then, the psychological robustness of receiving the collection act such as the collection which can be generated by the customer by analyzing the body information of the customer can be quantified, and the numerical information can be compared with each other, so that the product information for the lending company can be provided more suitable for the customer. In addition, it is possible to induce the lenders who want to provide loan products to change the collection method, thereby inducing improvement of the management method of excessive collection of lenders and gradually reducing the possibility of social problems.

In another aspect, the relay server 100 receives at least one loan product selection information from the terminal 200, the relay server 100 receives the personal information utilization agreement information from the terminal 200, The relay server 100 having received the information utilization agreement information transmits the customer's personal information transmission request signal from the information providing server 300, receiving the customer's personal information from the information providing server 300, The relay server 100 analyzes the personal information of the customer and estimates the life expectancy of the customer, and the relay server 100 analyzes the customer's personal life, The relay server 100 filters out the loan product whose repayment date is later than the life expectancy period, and the relay server 100 stores the filtered loan product among the loan products selected by the customer The relay server 100 transmits a redemption date shortening recommendation request signal to the lending company server 400 that receives the redemption date information request signal or the lending permission information signal from the lending company server 400, The relay server 100 provides the loan product information to the terminal 200 based on the received repayment expiration date shortening request information signal, the non-loan information signal, or the loanable information signal, The relay server 100 transmits the personal information secondary transmission request signal of the customer from the information providing server 300 to the information providing server 300, The relay server 100 analyzes the second personal information of the customer and re-predicts the life expectancy of the customer, and the relay server 100 analyzes the second personal information of the customer, The relay server 100 compares the repayment expiration dates before the change of the loan product based on the survival re-predicted period and the current date of the loan product being used by the customer on the basis of the present day according to the longevity, If the expiration date is within the forecast period of the survival material, a signal for requesting the expiration date to change is sent to the lender company server 400, or if the expiration date before the change is the date after the survival prediction period, 200), the relay server 100 receives the reimbursement due date adjustable information signal or the flag expiration date unadjustable information signal from the lending company server 400, and the relay server 100 transmits the reimbursement date adjustment information signal to the lender server 400, To the terminal (200), and the relay server (100) transmits the reimbursement due date adjustable information signal or the repayment due date unadjustable information signal received from the terminal It specifies the lender of the beam a loan company server 400 transmits the signal to the subordinate like lenders and may further include the step of storing in the storage unit 150. The

More specifically, in the step of receiving at least one loan product selection information from the terminal 200, the relay server 100 determines whether one or more of the loan products provided by the relay server 100 The terminal 200 can select the loan product and the information of the selected loan product can be transmitted to the relay server 100. [

In the step of receiving the personal information utilization agreement information from the terminal 200, the relay server 100 transmits the web page including the content for the personal information utilization agreement to the terminal 200, And the terminal 200 can confirm the consent of the customer to use the personal information or confirm the unauthorized use of the customer's personal information to the relay server 100. [

The consent here is the consent to analyze the received medical information by receiving the treatment or diagnostic information from the hospital from the hospital server.

The relay server 100 having received the personal information utilization agreement information transmits the personal information transmission request signal of the customer from the information provision server 300 to the relay server 100, It is possible to transmit a personal information transmission request signal together with the information.

Here, the information providing server 300 is a server of the hospital visited by the customer, and the information providing server 300 stores the treatment or diagnosis information of the customer in advance.

In the step of receiving the customer's personal information from the information providing server 300, the relay server 100 can receive the treatment or diagnostic information, which is personal information of the customer, from the information providing server 300. [

The relay server 100 analyzes the personal information of the customer and predicts the life expectancy of the customer, and the reimbursement information processing unit 144 of the relay server 100 analyzes the customer's personal information, The average survival time of patients with the disease is estimated by analyzing the disease, and the average survival time according to the health condition of the patient can be predicted when there is no diseased disease.

In the step of comparing the repayment expiration date on the basis of the survival forecasting period and the present day based on the present day according to the expected life span of the customer, the relay server 100 sets the repayment information processing unit 144, Compare the due date of the repayment based on the current day of each loan item.

In the step of filtering the loan product whose repayment date is later than the life expectancy period, the redeeming information processing unit 144, for example, determines that the repayment expiration date of the A loan item selected by the customer is the current date 2017.01 .01), 2022.01.01 after 5 years, and the repayment date of B loan product is 2024.01.01 after 7 years based on the current date. If the forecast period of the customer's life is 6 years based on the current date, B You can filter loan products. The meaning of filtering here is to select only B loan products, except for A loan products.

The relay server 100 transmits a request for recommendation of a short-term expiration date to the lending company server 400 that provides the filtered loan product out of the loan products selected by the customer, and the reimbursement information processing unit 144 transmits the filtered short- It is possible to send a short-term expiration date recommendation request signal to the lending company server 400 that services the product. Here, the short-term expiration request request signal may include short-term period information, and according to the example described above, the shortening period is one year.

 In the step of receiving the redemption expiration date shortening request information signal, the non-loan information signal or the loanable information signal from the lending company server 400, the relay server 100 transmits the loan of the loan company providing the B loan product according to the above- When the recommendation of the relay server 100 is received, the vendor server 400 transmits a redemption expiration date shortening request information signal to the relay server 100, and if the customer is not servicing the loan product, To the server 100, and ignores the recommendation of the relay server 100 and allows the customer to loan the loanable information signal to the relay server 100.

The relay server 100 provides the loan product information to the terminal 200 based on the received repayment expiration date shortening request information signal, the non-loan information signal or the loanable information signal, In the case of receiving the redemption expiration date shortening request information signal from the server 400, the redemption date of the redemption B loan product and the information of the existing redemption A product are shortened to the terminal 200 Can be re-transmitted. At this time, a message indicating that the redeemed date of the B loan product information has been changed is transmitted to the terminal 200 so that the customer can quickly check what has changed in the information on the B loan product. Alternatively, when the redemption information processing unit 144 receives the non-lending information signal from the lending company server 400, the reimbursement information processing unit 144 may re-transmit only the information on the A-lending product to the terminal 200 except for the B lending product. At this time, the B loan product information is transmitted to the terminal 200 indicating that the B loan product information has been removed, so that the customer can quickly check the change. Alternatively, when the redemption information processing unit 144 receives the lendable information signal from the lending company server 400, the redemption information processing unit 144 may re-transmit the A and B lending product information to the terminal 200. [ At this time, the relay server 100 can transmit a message indicating that the loan product is not changed to the terminal 200 together.

In the embodiment of the present invention, when a customer who has been loaned dies, the legal complexity becomes large due to the collection of the loan company and the cost burden is increased due to collection. Therefore, before the loan service is performed, The above-mentioned problem can be minimized by matching the reimbursement information.

In addition, when a customer chooses a loan product and directly tries to contract with a lender, the lender does not want the customer to make the desired repayment period due to the customer's health condition, This can often happen and is a waste of time and money for both customers and lenders. Therefore, in the embodiment of the present invention, the lending company having the reimbursement period suitable for the customer is selected and offered to the customer, or the lending company that sells the loan product having no suitable repayment period and the relay server 100 advance in advance Make loan agreements with customers faster and improve contract fulfillment rates.

In addition, the relay server 100 may be configured to receive the personal information lease information from the terminal 200, for example, after the customer has contracted the A loan product, You can access the website and apply for an adjustment of the due date. In this case, the relay server 100 transmits a web page including content related to the personal information utilization retention to the terminal 200, thereby allowing the customer to agree to use personal information.

The relay server 100 transmits the customer's personal information secondary transmission request signal from the information providing server 300 to the relay server 100 when the relay server 100 receives the personal information utilizing request from the customer, And transmits the personal information secondary transmission request signal to the information providing server 300 together. Here, the information providing server 300 becomes a server of the above-mentioned hospital.

In the step of receiving the customer's second personal information from the information providing server 300, the redemption information processing unit 144 receives the second personal information of the customer transmitted by the information providing server 300, .

In the step of re-predicting the expected life span of the customer by analyzing the second personal information of the customer, the re-transmission server 100 re-predicts the life expectancy of the customer, and when the customer has been treated or diagnosed after the loan contract date, Analyze the information to re-predict the customer's life expectancy.

In the step of comparing the repayment expiration dates before the change of the loan product with the survival re-prediction period and the current date of the loan product being used by the customer on the basis of the current work according to the expected life span of the customer, The information processing unit 144 can compare the re-predicted period with the repayment expiration date of the loan product being used by the customer. Here, the repayment maturity date to be compared is the initial repayment date before the date is changed. For example, if the loaner company server 400 changes the reimbursement date in accordance with the reimbursement date change recommendation signal recommended by the relay server 100, the reimbursement date of the comparison target is the reimbursement expiry date before the change.

The relay server 100 transmits a redemption expiry date change request signal to the lender company server 400 if the re-payment due date before the change is within the survival re-prediction period, The reimbursement information processing unit 144 may provide the reimbursement date change request signal to the lender server 400 if the reimbursement date before the change is within the life expectancy period, If the expiration date before the change is the date after the lifetime predicting period, the information is transmitted to the terminal 200 so that the customer can adjust the expiration date adjustment This is not possible.

The relay server 100 adjusts the repayment expiration date on the side of the lender supplier server 400 in the step of receiving the repayment expiration date adjustable information signal or the flag expiry date unadjustable information signal from the lender supplier server 400, The reimbursement information processing unit 144 receives the repayment expiration date adjustable information signal or the flag expiry date unadjustable information signal from the lending company server 400. [

The relay server 100 transmits to the terminal 200 the repayment expiration date reconciliation information signal or the repayment expiration date reconciliation information signal received from the lending company server 400 and the relay server 100 transmits the repayment expiration date non- And a step of assigning a lender of the lending company server 400 that has transmitted the loan to the subordinate loaner as a subordinate loaner and storing the lender in the storage unit 150.

The embodiment of the present invention allows the customer to adjust the repayment due date on the relay server 100, not the contact with the lender, after adjusting the repayment date due to the customer's health condition. Accordingly, the customer can adjust the due date of the repayment through the intermediary of the relay server 100 without having to provide his / her personal information to the lender, thereby minimizing anxiety caused by unauthorized use of the personal information, The objective is to validate the expiration date of the repayment is effective.

In addition, the relay server 100 designates the lender of the lender supplier server 400 that has transmitted the repayment date adjustment information as a subordinate loaner, , And can continue to induce lenders to maintain a flexible stance on the adjustment of repayment dates.

The embodiments of the present invention described above can be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination. The program instructions recorded on the computer-readable recording medium may be those specifically designed and configured for the present invention or may be those known and used by those skilled in the computer software arts. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROM and DVD, magneto-optical media such as floptical disks, medium, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code, such as those generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be modified into one or more software modules for performing the processing according to the present invention, and vice versa.

The specific acts described in the present invention are, by way of example, not intended to limit the scope of the invention in any way. For brevity of description, descriptions of conventional electronic configurations, control systems, software, and other functional aspects of such systems may be omitted. Also, the connections or connecting members of the lines between the components shown in the figures are illustrative of functional connections and / or physical or circuit connections, which may be replaced or additionally provided by a variety of functional connections, physical Connection, or circuit connections. Also, unless explicitly mentioned, such as " essential ", " importantly ", etc., it may not be a necessary component for application of the present invention.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Therefore, the technical scope of the present invention should not be limited to the contents described in the detailed description of the specification, but should be defined by the claims.

Claims (5)

Confirming connection of the terminal of the website;
The relay server providing a web page to the terminal;
The relay server receiving a real-time customized merchandise search request signal from the terminal;
Providing the customer information web page to the terminal in response to the real time customized product search request signal;
Analyzing customer information received from the terminal by the relay server;
Providing the loan product information to the terminal based on the analyzed customer information;
The relay server receiving selection information of loan products from the terminal;
The relay server receiving personal information utilization agreement information from the terminal;
Transmitting the personal information transmission request signal of the customer to the information providing server by the relay server;
The relay server receiving personal information of the customer from the information providing server;
Analyzing the personal information of the customer by the relay server and estimating the psychological state corresponding to the collection of the customer;
Comparing the first numerical information according to a predicted customer's collecting psychological state predicted by the relay server and the second numerical information stored in advance with respect to the collecting method of the loan products selected by the customer;
When the second numerical information is equal to or more than a predetermined value than the first numerical information, the relay server confirms whether or not the collection method change request can be made to the lending company server that provides the loan products having the second numerical information, Transmitting a signal;
Receiving the collection method change allowable information from the lending company server; And
And providing the loan commodity information provided by the lending company server providing the collecting method change allowable information to the terminal,
The personal information of the customer is the health state information of the customer, and the information providing server is a server of the hospital receiving the treatment or treatment
How to Relay a Customized Loan Item. The method according to claim 1,
The relay server receiving a regional search request signal from the terminal;
The relay server providing local information to the terminal;
Receiving, by the relay server, selected area information from the terminal; And
And providing the loan commodity information matching the selected local information to the terminal by the relay server
How to Relay a Customized Loan Item. 3. The method of claim 2,
And the relay server further providing the terminal with lending issue information corresponding to the selected local information to the terminal
How to Relay a Customized Loan Item. The method according to claim 1,
The relay server receiving a product-specific search request signal from the terminal;
Receiving, by the relay server, desired product information from the terminal; And
And the relay server providing the desired loan product information to the terminal based on the desired product information
How to Relay a Customized Loan Item. delete

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