KR101956730B1 - The system which manages a loan product - Google Patents

Abstract

The present invention relates to a loan product management system, and in the present invention, a loan product seller information device operated by a loan product seller, a financial company server operated by a financial company, a computer server operated by a loanable amount assumed support institution, A computer module that communicates with the financial company server or the loan merchandiser information device to receive the loan application information reflecting the loan application details of the borrower under the communication infra of the loan company, A computation module for extracting information and comparing the extracted loan repayment ability judgment basic information with the previously stored loan repayment ability judgment criterion information to calculate a basic loanable amount reflecting the loan repayment ability of the borrower; ≪ < Desc / Clms Page number 2 > extracts the basic judgment information of the loan repayment will from the received loan application information, The judgment basic information is compared with the stored loan repayment will determination standard information or the loan repayment intention decision basis information provided from the loanable amount amount supporter support server server side so that the loan can be additionally borrowed reflecting the loan repayment intention of the borrower A computable module capable of calculating an amount of money, < a basic loan amount that has been calculated, and a possible additional loan amount, and calculates the compound loan amount, And a computer module capable of transferring the loan to the information device so as to guide the loaner to sell the loan product corresponding to the compound loanable amount, and the like, and thereby, at the borrower side, And not through multiple lending accounts, through a single financial institution and a single lending account. By making it possible to easily acquire / utilize a single loan product that has the same / similar loanable amount (ie, the basic lendable amount and the additional lendable amount plus the combined loanable amount) , By enabling a single loan product to flexibly enjoy the same or similar loan profit as the loan profit obtained through the corresponding multiple debt structure), the loaner, financial institution, There are various problems caused by the debt structure (for example, problems due to multiple submission of documents, problems with visiting each financial company, problems with repeated review of loans, problems with multiple payment of various fees, Problems in cost / time due to the management of the project, problem of increase in loan loss / expense, management / supervision of multiple lenders For the workforce and increasing problems, and unnecessary social costs issues, etc.) it can be guided to avoid effectively.

Description

[0001] The present invention relates to a loan management system,

The present invention relates to a system for managing a loan product, and more particularly, to a system for managing a loan product, and more particularly to a system for managing a loan product by obtaining a loan from a plurality of financial companies and a plurality of loan accounts, By making it possible to easily acquire / utilize a single loan product with the same / similar loanable amount (ie, the basic lendable amount plus the additional loanable amount) And by allowing a single loan product to flexibly enjoy the same or similar loan profit that was obtained through the multiple debt structure, the loaner, as well as the financial institution and the government agency, Various problems due to the conventional multiple debt structure (for example, problems with submitting multiple documents, visiting individual financial companies The problem of repetition of loan review, the problem of multi-payment of various fees, the problem of cost / time problem due to the management of many loans, the problem of increase of loan loss / expense, the management / supervision cost of multiple lenders And a problem of increase in manpower, a problem of unnecessary increase in social cost, and the like).

In recent years, various types of support systems have been widely developed / distributed to support the operation of loan products as the members of the society actively engage in lending transactions.

For example, Korean Patent Laid-Open No. 10-2009-2903 (titled: Method and system for operating a loan product and program recording medium for the same) (published on September 9, 2009), Korean Patent Laid-Open No. 10-2009-30457 Name: Loan commodity management system based on online network) (Published on March 25, 2009), Domestic registered patent No. 10-1183329 (Name: Method and system for operating loan products) Japanese Patent Application No. 10-1314718 entitled " Double-Loan Product Offering System & Method ", issued Oct. 10, 2013) discloses in more detail an example of loan product operation support systems according to this conventional technique .

On the other hand, under such a conventional system, as shown in FIG. 1, the lender side forms a series of multiple debt structures by forming individual lending relationships with various financial companies according to their own funding situation. In this case, each financial institution carries out a loan review process for the borrower in accordance with the respective loan review rules, calculates the loanable amount corresponding to the borrower, And proceeds with the procedure of providing the lendable amount to the lender.

However, under the multi-obligation structure according to this conventional technique, the borrower as well as related financial institutions and government agencies suffer from unexpected problems.

For example, under the multi-obligation structure according to the prior art, since the borrower must open an account each time a loan contract is made with a different financial company, various inconveniences (for example, discomfort due to the submission of various documents , The inconvenience of visiting each financial institution, the inconvenience of repetition of loan review, inconvenience of paying various fees, etc.).

Further, under a multi-obligation structure according to the related art, a plurality of loan cases must be individually managed for each loaner on the borrower side, so that it is inevitable to manage costs and time problems corresponding thereto.

In addition, under the multi-obligation structure according to the related art, since the financial company must conclude a large number of loan agreements with each borrower, the entire loan loss provision and the corresponding expense greatly increase.

Furthermore, under a multi-obligation structure according to the prior art, the government agency can not but bear the problem that the management / supervision cost and manpower for multiple lenders, and unnecessary social costs are greatly increased.

Korean Patent Laid-Open No. 10-2009-2903 (Title: Method and system for operating loan products and program recording medium therefor) Korean Patent Laid-Open No. 10-2009-30457 (Name: Loan Product Management System Based on Online Network) (Published on March 25, 2009) Korean Registered Patent No. 10-1183329 (Name: Method and System for Operating Loan Products) (September 17, 2012 letter) Korean Registered Patent No. 10-1314718 (Name: Dual Loan Product Offering System and Method of Providing It)

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to provide a financial institution server operated by a loan merchandise information device, a financial company server operated by a loan merchandise seller, a computer server operated by a lendable amount supposed support institution, A computer module capable of receiving loan application information reflecting loan application details of the borrower, < &lt; a loan repayment ability determination basic information is extracted from the loan application information that has been received, A computer module that compares the basic information of the loan repayment ability judgment with the stored loan repayment ability judgment criterion information to calculate the basic loanable amount reflecting the loan repayment ability of the borrower, After extracting the loan repayment will determination basic information, extracts the extracted loan repayment will determination basic information from the stored A computer module capable of calculating an additional loanable amount reflecting the loan repayment intention of the borrower in comparison with the loan repayment determination criterion information or the loan repayment intention decision basis information provided from the server side of the borrowed amount provision supporting institution, , The calculated basic loan amount possible and the additional loanable amount are summed to calculate the compound loan amount, and the calculated compound loan amount is transmitted to the financial company server or the loan merchandise seller information device, And a computer module capable of guiding the loan product corresponding to the compound loanable amount to be sold can be systematically arranged and provided so that the loaner can receive a loan from a plurality of financial companies and a plurality of loan accounts Through a single financial institution and a single lending account, a loanable amount that is the same / similar to that obtainable in a multiple debt structure (ie, (Ie, a compound loan amount that is the sum of the basic lendable amount and the additional lendable amount) (that is, it is possible to acquire through the corresponding multiple debt structure (Eg, by allowing a single loan product to flexibly enjoy the same or similar loan profits as the existing loan profits), financial institutions as well as financial institutions, as well as the borrower, For example, the problem of submission of multiple documents, the problem of having to visit each financial company one by one, the problem of repeatedly checking the loan, the problem of multiple payment of various fees, the problem of cost / The problem of increasing loan loss / expense, management / supervision cost for multiple lenders and problems of manpower increase, unnecessary Once the increased cost issues, etc.) to help guide can be avoided effectively.

Other objects of the present invention will become more apparent from the following detailed description and the accompanying drawings.

In order to achieve the above object, the present invention provides a method of receiving loan application information for receiving a loan application information reflecting a loan application detail of a borrower by communicating with a financial company server or a loan product seller information device via a wired / A module; The basic information of the loan repayment capability is extracted from the loan application information, and then the extracted loan repayment capability determination basic information is compared with the previously stored loan repayment ability determination criterion information, A basic loanable amount calculation module for calculating a loan amount; The information on the loan repayment will determination criterion information is extracted from the loan application information and the information on the loan repayment will determination criterion information or the loan provided from the loanable amount amount supporter support server side An additional loanable amount calculating module for calculating an additional loanable amount reflecting the loan lenders' willingness to repay; The combined loanable amount is calculated by summing up the basic loanable amount and the additional loanable amount, and then the calculated compoundable loan amount is transmitted to the financial company server or the loan product seller information device, A compound loanable amount processing module for allowing a loan product corresponding to a possible amount to be sold; Wherein the method further comprises the step of communicating with the financial company server to read out the consumption ratio of the compound loanable amount corresponding to the loan product at a time when the loan interest payment time for the loan product arrives, And a sliding type loan interest processing module for calculating a loan interest amount for the loan commodity in comparison with an interest rate for each of the available gold denomination rates and transmitting the calculated loan interest details to the financial company server Management system.
According to another aspect of the present invention, there is provided an information processing apparatus comprising: a loan application information accepting module for communicating with a financial company server or a loan merchandiser information device via a wired / wireless on-line network to accept loan application information reflecting loan application details of a borrower; The basic information of the loan repayment capability is extracted from the loan application information, and then the extracted loan repayment capability determination basic information is compared with the previously stored loan repayment ability determination criterion information, A basic loanable amount calculation module for calculating a loan amount; The information on the loan repayment will determination criterion information is extracted from the loan application information and the information on the loan repayment will determination criterion information or the loan provided from the loanable amount amount supporter support server side An additional loanable amount calculating module for calculating an additional loanable amount reflecting the loan lenders' willingness to repay; The combined loanable amount is calculated by summing up the basic loanable amount and the additional loanable amount, and then the calculated compoundable loan amount is transmitted to the financial company server or the loan product seller information device, A compound loanable amount processing module for allowing a loan product corresponding to a possible amount to be sold; Wherein the controller is configured to communicate with the financial company server to read the exhaustion period of the compound loanable amount corresponding to the loan product in the phase of the loan interest payment for the loan product, Type borrowing interest processing module for calculating a borrowing interest rate for the loan commodity in comparison with an available interest rate for each borrowed commodity and transmitting the calculated loan interest details to the financial company server, Management system.

In the present invention, under the communication infrastructure of the loan merchandiser information device operated by the seller of the loan merchandise, the financial company server operated by the financial company, the computer server operated by the lendable amount supposed support institution, A computer module communicating with the merchandiser information device to receive the loan application information reflecting the loan application details of the borrower, extracting the loan repayment ability determination basic information from the loan application information that has been received, and determining the extracted loan repayment ability A computer module that compares the basic information with the previously stored loan repayment ability judgment criterion information to calculate a basic loan amount based on the estimated loan repayment ability of the borrower, Extracts the basic information, and then extracts the extracted loan repayment determination basic information from the stored loan repayment basic information A calculation module that can calculate the additional loanable amount reflecting the lender's expected loan repayment intention by comparing the judgment criterion information or the loan repayment intention decision basis information provided from the server side of the lendable amount support server, The amount of the combined loanable amount is calculated by adding the completed basic loanable amount and the additional loanable amount to the financial company server or the loan product seller information device to calculate the compound loan amount, And a computer module capable of inducing a loan product corresponding to a possible amount of money to be sold, and the like. Therefore, under the implementation environment of the present invention, on the borrower side, a plurality of financial companies and a plurality of loan accounts, Through a single financial institution and a single loan account, the same / similar to what could be gained in a multiple debt structure It is possible to easily acquire / utilize a single loan product having an available amount (that is, a compound loan amount in which the basic loan amount and the additional loan amount are added) (that is, while avoiding the multiple debt structure, The same or similar loan profit that was obtained through the structure of the loan can be flexibly enjoyed through a single loan product), and eventually, the borrower, financial institution, (For example, a problem caused by multiple document submission, a problem of visiting each financial company, a problem of having to repeatedly receive a loan review, a problem of having to pay multiple fees, a problem of managing a large number of loans, etc.) The problem of cost / time requirement, increase of loan loss / expense, management / supervision cost of multiple lenders, increase of manpower, fire An important social issue costs, etc.) can be avoided effectively.

Brief Description of the Drawings Fig. 1 is an exemplary diagram conceptually illustrating a multi-obligation structure of a lender according to the prior art.
BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a loan product management system,
FIG. 3 is an exemplary view conceptually showing a detailed configuration of a loan product management system according to the present invention; FIG.
FIG. 4 and FIG. 5 are conceptual diagrams illustrating a detailed function execution procedure of the loan product management system according to the present invention; FIG.

Hereinafter, a loan product management system according to the present invention will be described in detail with reference to the accompanying drawings.

2, the loan product management system 100 according to the present invention includes a loan product seller (for example, a loan product sales person who has a relationship with a financial company, A financial institution server 11 operated by a financial institution (for example, a bank, a post office, a credit card company, a securities company, etc.) operated by a loan merchandiser information device 12 operated by a loan commodity sales entrepreneur A series of communication connection relationships with the lendable amount assisting support institution server 200 operated by an institution (for example, an SNS operator, a social media operator, a blog operator, a public institution, a welfare institution, etc.)

Under the system of the present invention, on the lender side, it is possible to borrow the same / similar loan as that obtained in the multiple debt structure through a single financial institution and a single loan account (10) rather than a plurality of finance companies and a plurality of loan accounts (DS) with the amount of money (ie, the basic loan amount plus the possible additional loan amount) is easily obtained (ie, while avoiding the multiple debt structure, The same or similar lending gains that were obtained through the debt structure can be flexibly enjoyed through a single loan product (DS).

3, the loan merchandise management system 100 according to the present invention includes a loan merchandiser information device 12 via an interface module 101, a wire / wireless online network 20, An operating information storage module 102, a loan application information receiving module 103, a basic lendable amount calculating module 104, and an operation information storing module 102 connected in communication with a financial company server 11, The loanable amount calculation module 105, the compound loanable amount processing module 106, the loan execution information reception module 107, the sliding type loan interest processing module 108 and the segment type loan interest processing module 109 are tight So as to take a configuration in which the combination is made.

In this case, on the side of the operation information storage module 102, various operation information, for example, registration information of the loan merchandiser information device 12, registration information of the financial company server 11, (For example, reference information for adding a loan repayment capability index AA to a borrower who owns a house having a capacity of XX cubic meters in Seoul, and information on a loan situation capability judgment reference information Standard information to add the loan repayment ability index BB to the borrower, reference information to add the loan repayment ability index DD to the borrower whose annual income is equal to or more than CC 10,000 won, and loan repayment ability index FF to the borrower who owns the vehicle with the exhaust amount EEcc or more (For example, the loan repayment will index aa is added to the lender who is qualified as a head of household) The standard information to add the loan repayment will index bb to the borrower with the number of dependents bb and the reference information to add the loan repayment will index dd to the borrower who has joined the cc or more SNS, Standard information to add the loan repayment indices ff to the lender operating, reference information to add the loan repayment will index hh to the borrower whose social network number of friends is greater than or equal to gg, and lending repayment will index jj to the borrower with social support amount of ii or more (For example, if interest rate information is less than 50%, the interest rate is 5%, if the loanable gold ratio is less than 60%), and if the borrower's interest rate information is less than 50% Information such as 7% interest rate, information that the interest rate is 8% when the loanable gold ratio is less than 70%), If the interest rate information per exhaustion amount is exhausted (for example, if the borrowable gold-depleted zone is within the first zone, the interest rate is 6%, if the borrowable gold-depleted zone is within the second zone, the interest rate is 8% The information of interest rate is 10%, etc.), the program source information for formation / maintenance of the communication session, the program source information for the process routine of each computer module, etc. So that the loan product management procedure according to the present invention can be performed normally without any problem.

4, the lending application information receiving module 103 receives the loan application information from the financial institution server 11, the lending application server 11, the lending application information receiving module 103 via the interface module 101, the wired / wireless online network 20, (For example, the loan application amount information of the borrower (for example, the loan application amount information of the borrower), which is reflected on the loan application details of the borrower, from the financial institution server 11, the loan merchandise seller information device 12, , Information of the lender's personal information, contact information of the lender, information of the address of the lender, information of the lender's house, information of the lender's type of residence, information of the lender's annual income, information of the lender's car, information of the lender's real estate, Information of the loanable liquid material of the borrower, information of the borrower's householder's position, information of the loaner's dependents, information of the borrower's SNS, information of the borrower's blog, Sponsored information, etc.), and then stores / manages the received loan application information in its own information storage area, thereby assisting the loan product management procedure according to the present invention to proceed normally without any problem .

In this way, the information on the loan application (for example, the loan application amount information of the borrower, the personal information of the borrower, the contact information of the borrower, the address information of the borrower, the home holding information of the borrower, The information on the mortgage liquidity of the borrower, the information on the householder's lender of the borrower, the information on the number of dependents of the borrower, the information on the SNS of the borrower, the information on the borrower's SNS, The basic loanable amount calculation module 104 side communicates with the loan application information reception module 103 and receives the loan application information from the loan application information reception module 103 under the situation where the loaner's blog affiliation information, / After reading the loan application information that has been stored / managed, a series of information extraction routines are advanced, and from this loan application information, (For example, home owner information of the lender, information on the residence type of the lender, annual income information of the lender, information on the car held by the lender, information on the property held by the lender, information on the movable property of the lender, (See FIG. 4).

Through the above-described procedure, it is possible to obtain, from the loan application information, the basic information of the loan repayment ability (for example, information on the home owner of the borrower, information on the type of the borrower, information on the annual income of the borrower, information on the car held by the borrower, , The basic loanable amount calculation module 104 communicates with the operation information storage module 102 and acquires the loan stored in the information storage area of the borrower (For example, reference information for adding a loan repayment ability index AA to a borrower having a housing of XXm 3 in Seoul, and reference information for adding a loan repayment ability index BB to a borrower having an apartment of XXm 3 in Seoul) Information and annual income of CC 10,000 yuan or more, reference information to add the loan repayment ability index DD, and the exhaust amount EEcc The basic information for adding the loan repayment capability index FF to the borrower having the automobile of the car loan, etc.), then advances a series of information comparison routines, compares the loan repayment ability judgment basic information and the loan repayment ability judgment criterion information, Through this, the procedure of calculating the loan repayment ability index corresponding to the borrower proceeds (see FIG. 4).

When the loan repayment capability index corresponding to the borrower is calculated in this way, the basic loanable amount calculation module 104 converts the loan repayment capability index into the amount in accordance with the previously set conversion rule, (See FIG. 4). (Of course, such a conversion process can be variously modified depending on the situation).

On the other hand, through the above-described procedure, the loan application information (for example, the loan application amount information of the borrower, the personal information of the borrower, the contact information of the borrower, the address information of the borrower, Information on the mortgage liquidity of the borrower, information on the householder's lender of the borrower, information on the number of dependents of the borrower, information on the borrower's mortgage amount, loaner information on the borrower, information on the borrower's annual income, information on the borrower's possessed car, The additional loanable amount calculation module 105 that operates in conjunction with the basic loanable amount calculation module 104 under the situation that the SNS subscription information of the borrower, the blog subscription information of the borrower, the social sponsorship details of the borrower, etc.) ) Communicates with the loan application information receiving module 103, reads out the loan application information that has been received / stored / managed by the loan application information receiving module 103, (For example, the information on the householder's lender of the lender, the number of dependent family members of the borrower, the SNS subscription information of the borrower, the blog subscription information of the borrower, the borrower's society information, Sponsorship history information, etc.) (see FIG. 4).

In this way, from the loan application information, the basic information on the loan repayment determination (for example, information on the lender's family ownership, loaner's dependent family information, borrower's SNS subscription information, borrower's blog subscription information, When the extraction is completed, the additional lending possible amount calculation module 105 communicates with the operation information storage module 102 and stores the lending reimbursement determination criterion information (for example, Standard information to add loan repayment indices aa, reference information to add loan repayment indices bb to borrowers with bb number of dependents, reference to add loan repayment indices dd to borrowers who belong to more than cc SNSs Information, reference information to add a loan repayment index ff to a lender operating ee or more blogs, Reference information for adding the loan repayment will index hh to the borrower having the SNS friend gg or more, reference information for adding the loan repayment will index jj to the borrower having the social sponsorship amount of ii or more, etc.) 4).

The additional loanable amount calculation module 105 communicates with the loanable amount calculation supporting institution server 200 via the interface module 101 and the online or online online network 20 to calculate the loanable amount (For example, the SNS subscription status information of the lender, the SNS friend establishment status information of the lender, the blog operation status information of the lender, the social sponsorship status information of the lender, etc.) provided from the support institution server 200 side Reception / reception procedure (see FIG. 4).

When the basic information for predicting the will to repay the loan, the basis for judging the will to repay the loan, or the like is extracted / received through the above-described procedure, the additional loanable amount calculation module 105 advances a series of information comparison routines, (For example, the information on the householder's lender of the lender, the number of dependent family members of the lender, the SNS subscription information of the lender, the blog subscription information of the lender, the social sponsorship details of the lender Information, etc.), and through this, a procedure for calculating the loan repayment will index corresponding to the borrower is performed (refer to FIG. 4).

In this way, when the number of support of the loan repayment corresponding to the borrower is calculated, the additional loanable amount calculation module 105 converts the loan repayment will index into the amount in accordance with the previously set conversion rule, (See FIG. 4). (Of course, such a conversion process may also take various forms depending on the situation).

On the other hand, if the basic lendable amount reflecting the lender's expected loan repayment ability and the additional lendable amount reflecting the lender's expected loan repayment intention are all calculated through the above-described procedures, the compound lendable amount processing module 106 side The basic loan amount calculation module 104 and the additional loan amount calculation module 105 and reads out the basic loan amount possible, the additional loan amount and the like, and then advances a series of information summing routines, The possible amount of money and the additional loanable amount are summed up, and the process of calculating the compoundable amount is performed (see FIG. 4).

In this way, when the compound lending chargeable amount is calculated, the compound lending chargeable amount processing module 106 receives the loan from the financial institution server 11 via the interface module 101, the online wireless network 20, Information device 12 or the like and transmits the compound loanable amount to the financial company server 11 and the loan merchandiser information device 12 or the like so that the loan product DS corresponding to the compound loanable amount is transmitted to the lender (Refer to FIG. 4).

Under this circumstance, the financial company server 11 manages the loan product DS corresponding to the compound loanable amount through one single loan account 10.

As a result, under the above-described implementation environment of the present invention, on the lender side, a single financial institution and a single loan account 10, rather than a plurality of financial companies and a plurality of loan accounts, (DS) with a similar loanable amount (ie, a basic lendable amount plus an additional lendable amount plus a combined lendable amount) (ie, unnecessary multiple debt structures While allowing a single loan product (DS) to flexibly enjoy the same / similar loan profits that were obtained through the multiple debt structure.

Of course, under such a situation where the multi-obligation structure is being withdrawn, the lender may repeatedly inconvenience / inconvenience due to the multiple debt structure, for example, inconvenience due to various documents, inconvenience to visit each financial institution, Inconvenience to receive, inconvenience to pay various commissions, cost problems, time problems, and the like can be easily avoided.

3, the loan commodity management system 100 of the present invention includes the loan execution information receiving module 107, the sliding type loan interest processing module 108, A segment type loan interest processing module 109, and the like are further disposed. In this case, the system 100 selectively operates the sliding type loan interest processing module 108, the segment type loan interest processing module 109, and the like in accordance with the contract with the lender.

5, the loan execution information receiving module 107 receives the loan company information 11, the loan product seller information 11, (For example, personal information of the borrower, personal information of the borrower, credit information of the borrower, etc.) reflecting the loan execution details for the borrower from the financial institution server 11, the loan merchandiser information device 12, After receipt of the loan information, execution date information, loan commodity-specific information, loan amount information, loan term information, loan commodity seller information, loan commodity manager information, loan interest payment information, delinquency information, loan account information, Information is stored / managed in its own information storage area, thereby assisting the loan product management procedure according to the present invention to proceed normally without any problem.

In this way, it is possible to obtain the loan execution information (for example, the loan execution information reflecting the loan execution details for the borrower (for example, the loaner's personal information, loan execution date information, loan product unique information, loan amount information, loan term information, The sliding-type loan interest processing module 108 side communicates with the loan execution information reception module 107 under the situation where the loan-type loan interest processing module 108 receives, stores, manages, , Reads the loan execution information stored therein, and checks whether or not the loan interest payment time for the loan product DS has arrived (see FIG. 5).

At this time, when it is judged that the loan interest and the payment time for the loan product DS have arrived, the sliding type loan interest processing module 108 side communicates with the financial company server 11, (For example, the amount of money available for borrowing can be stored in the information storage area of the borrowing facility) If the ratio is less than 50%, the interest rate is 5%. If the loanable gold ratio is less than 60%, the interest rate is 7%. If the loanable gold ratio is less than 70%, the interest rate is 8% (Refer to FIG. 5).

Through the above procedure, when the exhaustion ratio of the compound loanable amount corresponding to the borrower side loan product DS and the interest rate information by the loanable gold consumption ratio are read / extracted, the sliding type loan interest processing module 108 side A series of information comparison routines are carried out to compare the consumption ratio of the compound loanable amount corresponding to the loaner product loan DS and the interest rate information by the loanable gold consumption ratio to thereby obtain a loan for the loan product DS And proceeds to calculate the interest history (see FIG. 5).

At this time, for example, if only the 35% of the total compound loanable amount is exhausted at the borrower side, the sliding-type loan interest processing module 108 can calculate the borrowing amount at 5% The interest rate of the loan is calculated.

As another example, when only 55% of the total compound loanable amount is exhausted on the borrower side, the sliding-type loan interest processing module 108 has an interest rate of 7% according to the interest rate information of the loanable gold- It will calculate the loan interest rate applied.

As another example, when only the 65% of the total compound loanable amount is exhausted on the borrower side, the sliding-type loan interest processing module 108 side obtains an interest rate of 8% according to the interest rate information of the loanable gold- The interest rate of the loan is calculated.

When the calculation of the loan interest details for the loaner-side loan product DS is completed, the sliding-type loan interest processing module 108 communicates with the financial company server 11 to calculate the loaner- (DS) to the financial company server (11). As a result, the financial company can normally charge / receive the interest on the loan to the lender and operate the loan product (DS) normally (See FIG. 5).

Of course, in the embodiment of the present invention, as described above, since different interest rates are applied depending on whether the borrower has actually exhausted only a few percent of the total compound loanable amount, The interest rate reduction effect of the width can be flexibly enjoyed.

In addition, in one embodiment of the present invention, the financial company can reduce expenses due to the reduction of allowance for loan loss, which can not be exhausted, the effect of operating various interest rate products on one loan account, and the effect of easily securing loyal customers Can be flexibly enjoyed.

On the other hand, through the above-described procedure, it is possible to calculate the loan execution information (for example, the loan execution information reflecting the loan execution details of the borrower (for example, the loaner's personal information, loan execution date information, loan product unique information, loan amount information, Type loan interest processing module 109 receives the loan execution information from the loan execution information receiving module 107 (step S11), the loan-type interest receiving module 107 receives the loan-execution-information receiving module 107 ), Reads the loan execution information stored therein, and checks whether or not the loan interest payment time for the loan product DS has come (see Fig. 5).

At this time, when it is determined that the loan interest and the payment time for the loan product DS have arrived, the section type loan interest processing module 109 side communicates with the financial company server 11, And also communicates with the operation information storage module 102 to obtain interest rate information for each borrowable gold-borrowing period (for example, a loanable gold-borrowing amount If the interval is within the first interval, the interest rate is 6%. If the borrowable gold-depleted zone is within the second zone, the interest rate is 8%. If the borrowable gold- , Information indicating that the interest rate is 10%, etc.) (see Fig. 5).

Through the above procedure, when the exhaustion period of the compound loanable amount corresponding to the borrower-side loan product DS and the interest rate information by the borrowable gold-exhausting period are read / extracted, the section type loan interest processing module 109 side A series of information comparison routines are carried out to compare the exhaustion period of the compound loanable amount corresponding to the loaner-side loan product DS and the interest rate information of each loanable gold-exhausting period, thereby obtaining a loan for the loan product DS And proceeds to calculate the interest history (see FIG. 5).

At this time, for example, if only the amount of money belonging to the first section is exhausted from the total compound loanable amount at the borrower side, the section type loan interest processing module 109 side, according to the interest rate information of the borrowable gold- The interest rate of the loan with the interest rate of 6% is calculated.

As another example, when only the amount belonging to the second section is actually exhausted from the total compound loanable amount on the borrower side, the section type loan interest processing module 109 calculates a loan amount of 8% The interest rate applied to the loan will be calculated.

As another example, when only the amount of money belonging to the third section is actually exhausted out of the total compound loanable amount on the borrower side, the section type loan interest processing module 109 calculates the borrowing amount based on the interest rate information of the borrowable gold- The interest rate of the loan is calculated.

After the calculation of the loan interest details for the loaner-side loan product DS through the above-described procedure, the section-type loan interest processing module 109 communicates with the financial company server 11 to calculate the calculated loaner- (DS) to the financial company server (11). As a result, the financial company can normally charge / receive the interest on the loan to the lender and operate the loan product (DS) normally (See FIG. 5).

Of course, in another embodiment of the present invention, as described above, since different interest rates are applied depending on whether the borrower actually exhausts only the amount of the entire complex loanable amount from the entire compound loanable amount, It is possible to flexibly enjoy a large interest rate reduction effect.

In addition, even in the embodiment of the present invention, the financial company can reduce the expense due to the reduction of allowance for loan loss, which can not be exhausted, the effect of operating various interest rate products with one loan account, And the like can be flexibly enjoyed.

Thus, in the present invention, the loan merchandiser information device 12 operated by the loan merchandise seller, the financial company server 11 operated by the financial company, the computer server 200 operated by the lendable amount supposed support institution, A computer module that can communicate with the financial institution server 11 or the loan merchandiser information device 12 to accept the loan application information reflecting the loan application details of the borrower, The basic information on the loan repayment ability is extracted from the information, and the extracted basic information on the loan repayment ability is compared with the stored loan repayment ability determination criterion information to calculate the basic loanable amount reflecting the loan repayment ability of the borrower The computerized module capable of calculating the loan repayment will determination basic information, extracts the loan repayment will determination basic information from the received loan application information, The amount of the loan can be calculated by comparing the stored loan repayment will determination criterion information or the information on the loan repayment intention decision basis information provided from the loanable amount provision supporting institution server side, The financial institution server 11 or the loan merchandiser information device (hereinafter, referred to as &quot; loan amount &quot;), the computed module, the calculated basic loan amount and the additional loan amount, 12), and a computer module capable of guiding the lender to sell the loan product (DS) corresponding to the compound lendable amount, and the like are systematically arranged and provided. Therefore, in the implementation environment of the present invention, On the borrower side, a single financial institution and a single loan account (10), rather than multiple financial institutions and multiple loan accounts, (DS) with the same / similar lendable amount (ie, the basic lendable amount plus the additional lendable amount) equal to the one that was obtained , It is possible to flexibly enjoy the same or similar loan profits that were obtained through the multiple debt structure through a single loan product (DS) while avoiding the multiple debt structure, and eventually the borrower Of course, financial institutions and government agencies are also faced with various problems due to the conventional multiple debt structure (for example, problems due to multiple document submission, problems with visiting individual financial companies, Problems of multi-payment of various fees, cost / time problems due to the management of multiple loans, problems of increasing loan loss / expense, Effectively it is able to avoid a management / supervisory personnel costs and increasing problems, and unnecessary social problems, including increased costs).

The present invention is not limited to a specific field, and has a generally useful effect in various fields where effective operation of a financial product is required.

Although specific embodiments of the present invention have been described and illustrated above, it is to be understood that the present invention may be embodied in many other specific forms without departing from the spirit or essential characteristics thereof.

Such modified embodiments should not be understood individually from the technical idea and viewpoint of the present invention, and such modified embodiments should be included in the appended claims of the present invention.

1a, 1b, 1c, 10: Loan account
11: Financial company server
12: Loan goods seller information device
20: wired / wireless online network
100: Loan commodity management system
101: Interface module
102: Operational information storage module
103: Loan Application Information Receipt Module
104: Basic loan amount calculation module
105: Additional loan amount calculation module
106: Compound loanable amount processing module
107: Loan execution information reception module
108: Sliding type loan interest processing module
109: Interval type loan interest processing module
200: Calculate loanable amount Support institution server

Claims (5)

A loan application information receiving module communicating with a financial company server or a loan merchandiser information device via a wired / wireless on-line network to receive loan application information reflecting the loan application details of the borrower;
The basic information of the loan repayment capability is extracted from the loan application information, and then the extracted loan repayment capability determination basic information is compared with the previously stored loan repayment ability determination criterion information, A basic loanable amount calculation module for calculating a loan amount;
The information on the loan repayment will determination criterion information is extracted from the loan application information and the information on the loan repayment will determination criterion information or the loan provided from the loanable amount amount supporter support server side An additional loanable amount calculating module for calculating an additional loanable amount reflecting the loan lenders' willingness to repay;
The combined loanable amount is calculated by summing up the basic loanable amount and the additional loanable amount, and then the calculated compoundable loan amount is transmitted to the financial company server or the loan product seller information device, A compound loanable amount processing module for allowing a loan product corresponding to a possible amount to be sold;
Wherein the method further comprises the step of communicating with the financial company server to read out the consumption ratio of the compound loanable amount corresponding to the loan product at a time when the loan interest payment time for the loan product arrives, And a sliding type loan interest processing module for calculating a loan interest amount for the loan commodity in comparison with an interest rate for each of the available gold denomination rates and transmitting the calculated loan interest details to the financial company server Management system. The loan product management system according to claim 1, wherein the financial company server side manages loan products corresponding to the compound loanable amount through a single loan account. 2. The loan management system according to claim 1, further comprising a loan execution information accepting module for communicating with the financial company server or the loan merchandiser information device to accept the loan execution information reflecting the loan execution details for the borrower Product management system. delete A loan application information receiving module communicating with a financial company server or a loan merchandiser information device via a wired / wireless on-line network to receive loan application information reflecting the loan application details of the borrower;
The basic information of the loan repayment capability is extracted from the loan application information, and then the extracted loan repayment capability determination basic information is compared with the previously stored loan repayment ability determination criterion information, A basic loanable amount calculation module for calculating a loan amount;
The information on the loan repayment will determination criterion information is extracted from the loan application information and the information on the loan repayment will determination criterion information or the loan provided from the loanable amount amount supporter support server side An additional loanable amount calculating module for calculating an additional loanable amount reflecting the loan lenders' willingness to repay;
The combined loanable amount is calculated by summing up the basic loanable amount and the additional loanable amount, and then the calculated compoundable loan amount is transmitted to the financial company server or the loan product seller information device, A compound loanable amount processing module for allowing a loan product corresponding to a possible amount to be sold;
Wherein the controller is configured to communicate with the financial company server to read the exhaustion period of the compound loanable amount corresponding to the loan product in the phase of the loan interest payment for the loan product, Type borrowing interest processing module for calculating a borrowing interest rate for the loan commodity in comparison with an available interest rate for each borrowed commodity and transmitting the calculated loan interest details to the financial company server, Management system.

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