KR102171487B1 - Method for managing or using platform capable of providing one or more secured loan as customized secured loan to eligible lenders, and server and financial institution terminal by using same - Google Patents

Abstract

The present invention relates to a method for managing or using a platform for providing a customized secured loan to an eligible lender to provide a secured loan suitable for a condition of a lender. According to the present invention, the method comprises: a step of supporting user secured loan application information for each of first to i^th classified target customer categories to be displayed in financial institution terminals; and a step of supporting each of user terminals to display the secured loans corresponding to each user.

Description

METHOD FOR MANAGING OR USING PLATFORM CAPABLE OF PROVIDING ONE OR MORE SECURED LOAN AS CUSTOMIZED SECURED LOAN TO ELIGIBLE LENDERS, AND SERVER AND FINANCIAL INSTITUTION TERMINAL BY USING SAME}

The present invention relates to a system for providing a mortgage loan product, and more particularly, to a system for operating or using a platform for providing a customized mortgage loan product to a qualified mortgage loan.

In the conventional loan system, generally, a loan applicant visits a financial company and signs a contract, and about 90% of the income sources of financial companies such as banks, capitals, and savings banks are made up of loans.

As a result, financial companies make a lot of effort to find loan applicants, but it is difficult to determine who is the borrower until a loan inquiries are received directly from the loan applicant. It is judged as a consumer and is posting expensive keyword advertisements.

However, it is not known whether the person who clicks on the keyword advertisement will actually apply for a loan, and whether they are eligible for a loan. The loan interest is being passed on to the loan interest of the applicant.

On the other hand, a loan applicant who wants to receive a loan from a financial company must access and check each individual financial company site in order to obtain information on the loans provided by the financial company. Not only do you not know exactly what this is, it is more difficult for loan applicants who do not have enough knowledge about loans to identify a loan product that is suitable for them.

As such, as a conventional loan system, Korean Patent Publication No. 10-2002-0069446 discloses “a system that provides a financial loan product search service suitable for Internet users”, but searches for existing loan products on the Internet or Some loan products are simply listed and provided.

However, as a mortgage loan, for example, a mortgage loan, the mortgage loan product that a loan applicant can receive varies depending on the housing to be provided as collateral, the income information and credit information of the loan applicant, and the family relationship of the loan applicant. In advance, he/she must check what mortgage loan products can be received on his/her terms, or consult with a financial company to check what collateral loan products can be received on his/her terms.

In addition, the mortgage loan product that a person wishing to obtain a mortgage loan may receive may vary according to legal regulations.

Therefore, a mortgage loan applicant who wishes to receive a mortgage loan must check the mortgage loan products he can receive according to the statutory regulations and his conditions, but not only do not know the statutory regulations accurately, There is a problem in that it is difficult to check the mortgage loan product that suits you because you do not know exactly the preferential treatment conditions.

KR 10-2002-0069446 A

An object of the present invention is to solve all the above-described problems.

In addition, another object of the present invention is to provide a secured loan product that meets the conditions of a loan applicant.

In addition, another object of the present invention is to provide a mortgage loan product suitable for loan applicants in accordance with legal regulations.

In addition, another object of the present invention is to provide a mortgage loan product that can be received by an actual loan applicant according to the conditions and legal regulations of the loan applicant.

In addition, another object of the present invention is to enable a loan applicant to be provided with a mortgage loan product suitable for him/her by only inputting minimal information on his/her conditions.

According to an embodiment of the present invention for achieving the above object, in a method of operating or using a platform for providing a customized mortgage loan product to a qualified mortgage loan, (a) a specific loan purpose and security to be provided from a user terminal When the type of real estate is obtained, (i) it is checked whether the type of the specific real estate is the type for which real estate price is provided by the real estate market price providing server, and (i-1) the type of the specific real estate is determined from the real estate price providing server. In the case of the type of real estate market price provided, request specific location information of the specific real estate and specific detailed information of the specific real estate to the user terminal, and refer to the specific location information and the specific detailed information obtained from the user terminal. Thus, the specific real estate market price of the specific real estate is obtained from the real estate market price providing server, and (i-2) when the type of the specific real estate is not the type in which the real estate market price is provided by the real estate market price providing server, the user terminal The specific location information, the specific detailed information, and the expected real estate price are obtained from the user terminal by requesting the specific location information, the specific detailed information, and the expected real estate price of the specific real estate, and (ii) the user The process of obtaining the security information corresponding to the specific real estate by requesting the bond information corresponding to the specific real estate to a terminal and obtaining the bond information from the user terminal. When the user information is obtained from the user terminal, the user information Using to check the user's credit information and the user's expected information, request a loan application amount from the user terminal to obtain the loan application amount desired by the user from the user terminal, and a preset job with the user terminal Requests to select a job of the user from among the group, and when a specific job of the user is obtained from the user terminal, the user terminal requests income information corresponding to the specific job to be received from the user terminal. The process of acquiring the user's income information, the user's credit information and the user's income information, and the specific real estate type, the security information, the user's credit information, the user's income information, and the loan The loan purpose corresponding to each user, the type of real estate, the security information, user credit information, user income information, and the loan application amount through the process of generating user security loan application information by referring to at least one of the application amounts , And when user security loan application information referring to at least one of the user additional information is generated, and when financial institution terminals are connected, the security loan product providing server stores the user security loan application information preset by each of the financial institutions. The first target customer category to the i th-the i is an integer greater than or equal to 1-categorized corresponding to each target customer category, and the classified first target customer category to the i th target customer category, the user collateral application information Supporting to be displayed on financial institution terminals; And (b) when secured loan products including loan availability conditions corresponding to the user secured loan application information for each of the first target customer category to the i-th target customer category are obtained from the financial institution terminals, the secured loan The product providing server classifies the secured loan products for each user and transmits the secured loan products classified for each user to each of the user terminals, thereby allowing each of the user terminals to provide a secured loan product corresponding to each of the users. Assisting to display them; A method comprising a is provided.

In the step (b), the mortgage loan product providing server, from the financial institution terminals, to a specific user mortgage loan application information among the user security loan application information for each of the first target customer category to the i-th target customer category. When a request for information is obtained, specific loan purpose corresponding to the specific user security loan application information, specific real estate type, specific security information, specific user credit information, specific user income information, specific loan application amount, and specific user additional information By transmitting at least one of the financial institution terminals to the financial institutions the specific loan purpose, the type of the specific real estate, the specific collateral information, the specific user credit information, the specific user income information, the specific loan It supports to create at least one specific mortgage loan product that can be provided to a specific user by referring to at least one of the application amount and the specific user additional information.

The secured loan product providing server, the financial institution terminals, the specific loan purpose, the type of the specific real estate, the specific collateral information, the specific user credit information, the specific user income information, the specific loan application amount, And generating specific loan proposal information with the specific real estate as collateral by referring to at least one of the specific user additional information, but when the specific loan application amount exceeds the loan limit of the specific loan proposal, the specific real estate Generate at least one other loan offer information as collateral or refer to the user's credit information, and integrate the specific loan offer information and the at least one other loan offer information with a consolidation limit referring to each limit and interest rate By generating an interest rate, the at least one specific mortgage loan product including information on a plurality of loan proposals including the consolidated limit and the consolidated interest rate is generated.

In addition, according to an embodiment of the present invention, before step (a), (a01) the mortgage loan product providing server provides a customer category setting interface to the financial institution terminals to each of the financial institution terminals. Helping to create a specific target customer category from among the first target customer category to the i-th target customer category by setting at least one condition of the lending purpose to be filtered and the type of real estate; It includes more.

The mortgage loan product providing server supports each of the financial institution terminals to create the specific target customer category by additionally setting a condition of the user credit information.

The security loan product providing server supports each of the financial institution terminals to create the specific target customer category by additionally setting at least one condition of a handleable loan method and a loanable area.

In addition, according to an embodiment of the present invention, (c) when loan applications for a specific mortgage loan product for which a loan is desired among the security loan products are obtained from the user terminals, the security loan product providing server Supporting a specific financial institution terminal corresponding to the security loan product to make a loan for the specific security loan product; It includes more.

In addition, according to an embodiment of the present invention, in a method of operating or using a platform for providing a customized mortgage loan product to qualified mortgage loans, (a) the purpose of loan from the user terminal and the type of specific real estate to be provided as collateral Upon acquisition, (i) it is checked whether the specific real estate type is the type of real estate market price provided by the real estate market price providing server, and (i-1) the specific real estate type is the real estate market price provided by the real estate market price providing server. In the case of the type, the specific location information of the specific real estate and specific detailed information of the specific real estate are requested from the user terminal, and the real estate market price by referring to the specific location information and the specific detailed information obtained from the user terminal. When the specific real estate market price of the specific real estate is obtained from the providing server, and (i-2) the specific real estate type is not the type for which the real estate price is provided by the real estate market price providing server, the specific location The specific location information, the specific detailed information, and the expected real estate market price are obtained from the user terminal by requesting information, the specific detailed information, and the expected real estate market price of the specific real estate, and (ii) the specific information to the user terminal The process of obtaining the security information corresponding to the specific real estate by requesting bond information corresponding to the real estate and obtaining the bond information from the user terminal. When the user information is obtained from the user terminal, the user using the user information Check the credit information and expected information of the user, request a loan application amount from the user terminal to obtain the loan application amount desired by the user from the user terminal, and the user from among the job groups preset to the user terminal When the user's specific job is obtained from the user terminal, the user terminal requests income information corresponding to the specific job to receive the user's income information from the user terminal. By obtaining, the process of obtaining the user's credit information and the user's income information, and at least one of the specific real estate type, the collateral information, the user's credit information, the user's income information, and the loan application amount The loan purpose corresponding to each user, the type of real estate, the security information, user credit information, user income information, the loan application amount, and user additional information corresponding to each of the users through the process of generating user security loan application information with reference to In a state in which user security loan application information referring to at least one of is generated, the user security loan application information from the security loan product providing server is preset by each of the financial institutions, from the first target customer category to the i-the i is 1 It is an integer above-Classified according to each target customer category, and when the classified user mortgage application information for each of the first target customer category to the i-th target customer category is acquired, the financial institution terminal is configured with the first target customer category. To displaying the user security loan application information for each of the i-th target customer category; And (b) the financial institution terminal generates a security loan product including a loan availability condition corresponding to the user security loan application information for each of the first target customer category to the i-th target customer category, and the security loan By transmitting products to the security loan product providing server, the security loan product providing server classifies the security loan products by user, and transmits the security loan products classified by user to each of the user terminals, and the user terminal Supporting each of the users to display collateral loan products corresponding to each of the users; A method comprising a is provided.

In the step (b), the financial institution terminal sends a request for information about a specific user security loan application information among the user security loan application information for each of the first target customer category to the i-th target customer category. By sending it to the providing server, the security loan product providing server causes the specific loan purpose corresponding to the specific user security loan application information, specific real estate type, specific security information, specific user credit information, specific user income information, specific loan application Send at least one of the amount and specific user additional information to the financial institution terminals, and the specific loan purpose obtained from the security loan product providing server, the specific real estate type, the specific security information, the specific user At least one specific mortgage loan product that can be provided to a specific user is generated by referring to at least one of credit information, the specific user income information, the specific loan application amount, and the specific user additional information.

The financial institution terminal includes at least one of the specific loan purpose, the specific real estate type, the specific collateral information, the specific user credit information, the specific user income information, the specific loan application amount, and the specific user additional information. Generate specific loan proposal information with the specific real estate as collateral with reference, but if the specific loan application amount exceeds the loan limit of the specific loan proposal, the specific real estate is as collateral or the user credit information is referred to By generating at least one other loan proposal information, and generating a consolidated limit and a consolidated interest rate referring to the limit and interest rate of the specific loan proposal information and the at least one other loan proposal information, the consolidated limit and the consolidated interest rate Generates the at least one specific mortgage loan products including a plurality of loan proposal information including.

In addition, according to an embodiment of the present invention, prior to the step (a), (a01) the financial institution terminal, the lending purpose to be filtered through the customer category setting interface obtained from the security loan product providing server, and Setting at least one condition among the types of real estate to create a specific target customer category from among the first target customer category to the i-th target customer category; It includes more.

The financial institution terminal creates the specific target customer category by additionally setting a condition of the user credit information.

The financial institution terminal generates the specific target customer category by additionally setting at least one condition of a handleable loan method and a loanable area.

In addition, according to an embodiment of the present invention, (c) loan applications for a specific mortgage loan product for which a loan is desired among the security loan products from the user terminals are obtained from the security loan product providing server, the financial Allowing an institutional terminal to make a loan for the specific mortgage loan product through the user terminal; It includes more.

In addition, according to an embodiment of the present invention, in a security loan product providing server operating or using a platform for providing a customized mortgage loan product to a qualified mortgage loan, instructions for providing a customized mortgage loan product to a qualified mortgage loan are provided. Memory to store; And a processor that performs an operation of providing the mortgage loan product according to the instructions stored in the memory. Including, but the processor, (I) when the loan purpose and the type of specific real estate to be provided as collateral is obtained from the user terminal, (i) whether the type of the specific real estate is the type in which real estate market price is provided by the real estate price providing server Check whether or not, (i-1) if the type of the specific real estate is the type for which real estate price is provided by the real estate price providing server, specific location information of the specific real estate and specific details of the specific real estate to the user terminal Request information, obtain a specific real estate price of the specific real estate from the real estate price providing server by referring to the specific location information and the specific detailed information obtained from the user terminal, (i-2) the type of the specific real estate If the real estate market price is not the type provided by the real estate price providing server, the specific location information, the specific detailed information, and the expected real estate price of the specific real estate are requested from the user terminal to the user terminal. The location information, the specific detailed information, and the expected real estate market price are obtained, and (ii) the user terminal requests the bond information corresponding to the specific real estate to obtain the bond information from the user terminal, The process of obtaining corresponding collateral information, when user information is obtained from the user terminal, confirms the user's credit information and the user's expected information using the user information, and requests a loan application amount to the user terminal Obtaining the loan application amount desired by the user from the user terminal, requesting the user terminal to select a job of the user from among a preset job group, and when the user's specific job is obtained from the user terminal, the user terminal The process of obtaining the user's income information and the user's credit information and the user's income information by requesting income information corresponding to the specific job and obtaining the user's income information from the user terminal, and the specific real estate The loan purpose corresponding to each of the users through the process of generating user security loan application information by referring to at least one of the type of, the security information, the user's credit information, the user's income information, and the loan application amount , When user security loan application information referring to at least one of the type of real estate, the security information, user credit information, user income information, the loan application amount, and user additional information is generated, when financial institution terminals are connected, The user mortgage application information is classified in a first target customer category preset by each financial institution-i is an integer greater than or equal to 1-classified corresponding to each target customer category, and the classified first target customer category A processor supporting the display of the user security loan application information for each of the i-th target customer category on the financial institution terminals; And (II) when secured loan products including loanable conditions corresponding to the user secured loan application information for each of the first target customer category or the i-th target customer category are obtained from the financial institution terminals, the secured loan A process for supporting each of the user terminals to display the security loan products corresponding to each of the users by classifying products for each user and transmitting the secured loan products classified for each user to each of the user terminals; A secured loan product providing server performing

The processor, in the process (II), requests information for specific user security loan application information among the user security loan application information for each of the first target customer category to the i-th target customer category from the financial institution terminals. When obtained, at least one of a specific loan purpose corresponding to the specific user security loan application information, a specific real estate type, specific security information, specific user credit information, specific user income information, specific loan application amount, and specific user additional information. By transmitting to the financial institution terminals, the financial institutions allow the specific loan purpose, the specific real estate type, the specific collateral information, the specific user credit information, the specific user income information, the specific loan application amount, and Supports generating at least one specific collateral loan product that can be provided to a specific user by referring to at least one of the specific user additional information.

The processor, the financial institution terminals, the specific loan purpose, the specific real estate type, the specific collateral information, the specific user credit information, the specific user income information, the specific loan application amount, and the specific user Generate specific loan proposal information with the specific real estate as collateral by referring to at least one of the additional information, but when the specific loan application amount exceeds the loan limit of the specific loan proposal, the specific real estate is as collateral or the Generate at least one other loan proposal information with reference to user credit information, and to generate a consolidated limit and a consolidated interest rate by referring to the specific loan proposal information and the limit and interest rate of each of the at least one other loan proposal information By doing so, the at least one specific mortgage loan product including information on a plurality of loan proposals including the consolidation limit and the consolidated interest rate is generated.

The processor, prior to the (I)) process, (I01) provides a customer category setting interface to the financial institution terminals to allow each of the financial institution terminals to, among the loan purpose and the real estate type to be filtered. A process for supporting the creation of a specific target customer category among the first target customer category to the i-th target customer category by setting at least one condition; Do more.

The processor supports each of the financial institution terminals to additionally set a condition of the user credit information to create the specific target customer category.

The processor supports each of the financial institution terminals to generate the specific target customer category by additionally setting at least one condition of a handleable loan method and a loanable area.

The processor, (III) when loan applications for a specific mortgage loan product for which a loan is desired among the security loan products are obtained from the user terminals, the specific financial institution terminal corresponding to the specific mortgage loan product causes the specific collateral The process of assisting in making loans for loan products; Do more.

In addition, according to an embodiment of the present invention, in a financial institution terminal operating or using a platform for providing a customized mortgage loan product to a qualified mortgage loan, storing instructions for providing a customized mortgage loan product to a qualified mortgage loan. Memory; And a processor that performs an operation of providing the mortgage loan product according to the instructions stored in the memory. Including, but the processor, (I) when the loan purpose and the type of specific real estate to be provided as collateral is obtained from the user terminal, (i) whether the type of the specific real estate is the type in which real estate market price is provided by the real estate price providing server Check whether or not, (i-1) if the type of the specific real estate is the type for which real estate price is provided by the real estate price providing server, specific location information of the specific real estate and specific details of the specific real estate to the user terminal Request information, obtain a specific real estate price of the specific real estate from the real estate price providing server by referring to the specific location information and the specific detailed information obtained from the user terminal, (i-2) the type of the specific real estate If the real estate market price is not the type provided by the real estate price providing server, the specific location information, the specific detailed information, and the expected real estate price of the specific real estate are requested from the user terminal to the user terminal. The location information, the specific detailed information, and the expected real estate market price are obtained, and (ii) the user terminal requests the bond information corresponding to the specific real estate to obtain the bond information from the user terminal, The process of obtaining corresponding collateral information, when user information is obtained from the user terminal, confirms the user's credit information and the user's expected information using the user information, and requests a loan application amount to the user terminal Obtaining the loan application amount desired by the user from the user terminal, requesting the user terminal to select a job of the user from among a preset job group, and when the user's specific job is obtained from the user terminal, the user terminal The process of obtaining the user's income information and the user's credit information and the user's income information by requesting income information corresponding to the specific job and obtaining the user's income information from the user terminal, and the specific real estate The loan purpose corresponding to each of the users through the process of generating user security loan application information by referring to at least one of the type of, the security information, the user's credit information, the user's income information, and the loan application amount , In a state in which user security loan application information referring to at least one of the type of real estate, the security information, user credit information, user income information, the loan application amount, and user additional information is generated, the security loan product providing server User mortgage application information is a first target customer category to i-th preset by each of the financial institutions-the i is an integer equal to or greater than 1-classified according to each target customer category, and the classified first target customer category to the A process of displaying the user security loan application information for each of the first target customer category to the i-th target customer category when the user security loan application information for each i-th target customer category is acquired; And (II) generating collateral loan products including loan availability conditions corresponding to the user collateral loan application information for each of the first target customer category to the i-th target customer category, and the collateral loan products By transmitting to the providing server, the secured loan product providing server classifies the secured loan products by user, and transmits the secured loan products classified by user to each of the user terminals so that each of the user terminals A process of supporting to display the mortgage loan products corresponding to each of them; A financial institution terminal is provided to perform.

The processor may, in the process (II), request information for specific user security loan application information among the user security loan application information for each of the first target customer category to the i-th target customer category, the security loan product providing server By sending to, the security loan product providing server causes the specific loan purpose corresponding to the specific user security loan application information, specific real estate type, specific security information, specific user credit information, specific user income information, specific loan application amount, And transmitting at least one of specific user additional information to the financial institution terminals, the specific loan purpose obtained from the security loan product providing server, the specific real estate type, the specific security information, and the specific user credit information , By referring to at least one of the specific user income information, the specific loan application amount, and the specific user additional information to generate at least one specific mortgage loan product that can be provided to a specific user.

The processor may refer to at least one of the specific loan purpose, the specific real estate type, the specific collateral information, the specific user credit information, the specific user income information, the specific loan application amount, and the specific user additional information. Generates specific loan proposal information with the specific real estate as collateral, but when the specific loan application amount exceeds the loan limit of the specific loan proposal, at least one that uses the specific real estate as collateral or refers to the user credit information Generates other loan proposal information, and generates a consolidated limit and a consolidated interest rate referring to the limit and interest rate of the specific loan proposal information and the at least one other loan proposal information, thereby including the consolidated limit and the consolidated interest rate. The at least one specific mortgage loan product including information on a plurality of loan proposals is generated.

The processor, prior to the (I) process, sets at least one of the loan purpose to be filtered and the type of real estate to be filtered through a customer category setting interface obtained from the security loan product providing server, and the first target A process of generating a specific target customer category from among the customer category to the i th target customer category; Do more.

The processor generates the specific target customer category by additionally setting a condition of the user credit information.

The processor generates the specific target customer category by additionally setting at least one condition of a handleable loan method and a loan available area.

The processor, (III) When loan applications for a specific mortgage loan product for which loans are desired among the security loan products from the user terminals are obtained from the security loan product providing server, the specific mortgage loan through the user terminal The process of making a loan for the product; Do more.

In addition to this, a computer-readable recording medium for recording a computer program for executing the method of the present invention is further provided.

According to the present invention, the following effects are obtained.

The present invention can provide a mortgage loan product that meets the conditions of a loan applicant.

In addition, the present invention can provide a mortgage loan product suitable for a loan applicant according to legal regulations.

In addition, the present invention can provide a mortgage loan product that can be received by an actual loan applicant according to the conditions of the loan applicant and legal regulations.

In addition, according to the present invention, a loan applicant can be provided with a mortgage loan product suitable for him/her only by inputting minimal information on his/her conditions.

1 schematically shows a system for operating or using a platform for providing a customized mortgage loan product to a qualified mortgage loan according to an embodiment of the present invention,
2 to 25 schematically illustrate a method of providing a customized mortgage loan product to a qualified mortgage loan according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE INVENTION The detailed description of the present invention to be described later refers to the accompanying drawings, which illustrate specific embodiments in which the present invention may be practiced. These embodiments are described in detail sufficient to enable a person skilled in the art to practice the present invention. It should be understood that the various embodiments of the present invention are different from each other but need not be mutually exclusive. For example, specific shapes, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the present invention in relation to one embodiment. In addition, it is to be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the present invention. Accordingly, the detailed description to be described below is not intended to be taken in a limiting sense, and the scope of the present invention, if properly described, is limited only by the appended claims, along with all scopes equivalent to those claimed by the claims. Like reference numerals in the drawings refer to the same or similar functions over several aspects.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings in order to enable those of ordinary skill in the art to easily implement the present invention.

FIG. 1 schematically shows a system for operating or using a platform for providing a customized mortgage loan product to a qualified mortgage loan according to an embodiment of the present invention. Referring to FIG. 1, the system includes user terminals ( 100-1 to 100-m), a security loan product providing server 200, and financial institution terminals 300-1 to 300-n.

First, each of the user terminals 100-1 to 100-m is a subject that provides information related to the mortgage loan to a user who desires a mortgage loan, and allows the user to input information related to the mortgage loan, and is a personal computer (PC). , Mobile computers, PDA/EDA, mobile phones, smart phones, tablets, IoT devices, and the like. Further, each of the user terminals 100-1 to 100 -m is not limited thereto, and may include all devices such as a portable game machine, a digital camera, and a personal navigation system having a wired or wireless communication function. In addition, each of the user terminals 100-1 to 100 -m includes memories 110-1 to 110-m and memories 110-storing instructions for providing a mortgage loan product determined using user information. 1 to 110-m) may include processors 120-1 to 120-m that perform an operation for providing a mortgage loan product in response to instructions stored in each of them.

Specifically, each of the user terminals 100-1 to 100-m typically includes a computing device (e.g., a computer process, memory, storage, input device and output device, and other components of a conventional computing device). Devices; electronic communication devices such as routers, switches, etc.; electronic information storage systems such as network attached storage (NAS) and storage area networks (SANs) and computer software (i.e., instructions that cause the computing device to function in a specific way) ) May be used to achieve the desired system performance.

In addition, the processor of the computing device may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. In addition, the computing device may further include an operating system and a software configuration of an application that performs a specific purpose.

Next, the mortgage loan product providing server 200 provides the user with the mortgage loan product determined using user information, and a memory 210 that stores instructions for providing the mortgage loan product determined using the user information. ) And a processor 220 that performs an operation for providing and giving a mortgage loan product in response to instructions stored in the memory 210. In this case, although only one mortgage loan product providing server 200 is shown in FIG. 1, this is for convenience of explanation, and the mortgage loan product providing server 200 provides a plurality of mortgage loan products determined using user information. It can be configured as a server of.

Specifically, the mortgage product providing server 200 is typically a computing device (e.g., a computer processor, memory, storage, input device and output device, a device that may include components of other existing computing devices; routers, switches). Electronic communication devices such as; using a combination of electronic information storage systems such as network attached storage (NAS) and storage area networks (SAN)) and computer software (i.e., instructions that make the computing device function in a specific way) To achieve the desired system performance.

In addition, the processor of the computing device may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. In addition, the computing device may further include an operating system and a software configuration of an application that performs a specific purpose.

Next, each of the financial institution terminals 300-1 to 300-n refers to the user information and provides a mortgage loan product under conditions that the user can actually receive, such as a financial institution server, PB (Private Banking), etc. It may include, but is not limited to, a manager terminal of a financial institution, a loan counselor terminal, a loan operator terminal, etc., and may include all terminals capable of providing a collateral loan product using user information. At this time, each of the financial institution terminals 300-1 to 300-n are memories 310-1 to 310-for storing instructions for providing mortgage products based on actual loan conditions that can be proposed with reference to user information. Processors 320 that perform an operation to provide collateral products based on actual loan conditions that can be suggested by referring to user information in response to instructions stored in n) and memories 310-1 to 310-n, respectively. -1 to 320-n).

Specifically, each of the financial institution terminals 300-1 to 300-n typically may include a computing device (e.g., a computer process, memory, storage, input device and output device, and other components of an existing computing device). Devices; electronic communication devices such as routers, switches, etc.; electronic information storage systems such as network-attached storage (NAS) and storage area networks (SAN)) and computer software (i.e., instructions that cause the computing device to function in a specific way) S) may be used to achieve the desired system performance.

In addition, the processor of the computing device may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. In addition, the computing device may further include an operating system and a software configuration of an application that performs a specific purpose.

A method of providing a mortgage loan product using a system for operating or using a platform for providing a customized mortgage loan product to a qualified mortgage loan product according to an embodiment of the present invention configured as described above will be described with reference to FIGS. 2 to 25 Then it looks like this: In the following description, the user terminal 100-1 and the financial institution terminal 300-1 are mainly described, but this is limited to the user terminal 100-1 and the financial institution terminal 300-1, and other user terminals And it will be understood that the financial institution terminal operates in parallel or complex by the same operation.

First, referring to FIG. 2, when a user accesses the secured loan product providing server 200 through the user terminal 100-1, the secured loan product providing server 200 provides a secured loan to the user terminal 100-1. Let the interface be displayed. Then, the user inputs the purpose of the loan through the mortgage loan interface (S1), and inputs the type of specific real estate to be provided as collateral for the mortgage loan (S2).

At this time, the purpose of the loan is related to the use of the desired loan amount to receive a loan with a specific real estate as collateral, and can be classified into a home purchase, an existing loan change (a loan loan), a tenant eviction fund, a living (business) fund, etc. , It is not limited thereto, and may include various loan purposes that can be loaned with a specific real estate as collateral. In addition, the purpose of the loan may include loans for other purposes in which the loans are not used for real estate-related contracts, such as living (business) funds, and the real estate purpose loans, where the loans are used for real estate-related contracts, such as home purchases.

In addition, the types of real estate may include apartments/complexes, apartment-type alliances, officetels, villas, alliances, multi-family units, and detached houses, but are not limited thereto, and all types that can be classified according to the structure and form of real estate Can include.

Thereafter, the user terminal 100-1 transmits the purpose of the loan and the type of specific real estate input by the user to the security loan product providing server 200, and the security loan product providing server 200 is the user terminal 100-1. It is checked whether the type of specific real estate obtained from) is the type of real estate market price provided by the real estate market price providing server.

As an example, the real estate market price providing server may be a Kookmin Bank market price providing server, and the real estate for which Kookmin Bank market prices are provided may include apartments/commercial complexes, apartment-type alliances, and officetels. , Row, multi-family, detached house.

At this time, if the type of specific real estate is the type in which real estate market prices are provided by the real estate market price providing server, the mortgage product providing server 200 uses the user terminal 100-1 to provide specific location information and specific real estate information. Request detailed information. Then, the user terminal 100-1 allows the user to input specific location information of a specific real estate and specific detailed information of a specific real estate, and when the user inputs specific location information of a specific real estate and specific detailed information of a specific real estate, Specific location information and specific detailed information are transmitted to the security loan product providing server 200, and the security loan product providing server 200 refers to specific location information and specific detailed information obtained from the user terminal 100-1. Obtains a specific real estate price of a specific real estate from the real estate price providing server.

To explain this in more detail, the security loan product providing server 200 requests specific location information of a specific real estate to the user terminal 100-1. Then, the user terminal 100-1 allows the user to input specific location information of a specific real estate.

As an example, referring to FIG. 3, the user terminal 100-1 provides the highest region category through interaction with the mortgage product providing server 200 (S3) so that the user can select a specific highest region category, When the user selects a specific top region category, the upper region category included in the specific top region category is provided (S4) so that the user can select a specific upper region category corresponding to the specific top region category, and the user can select a specific upper region category. If selected, sub-region categories included in a specific upper region category are provided (S5) so that the user can select a specific sub region category corresponding to a specific upper region category. When the user selects a specific sub region category, a specific sub region category By providing the real estate information category included in the category (S6) so that the user can select a specific real estate information category corresponding to a specific sub-regional category, the user may input specific location information of a specific real estate.

In addition, the user terminal 100-1 transmits specific location information of a specific real estate input by the user to the security loan product providing server 200, and the security loan product providing server 200 is the user terminal 100-1 Check the real estate market price in the real estate market price providing server using the specific location information obtained from.

At this time, when the real estate market price corresponding to specific location information is confirmed, the mortgage loan product providing server 200 requests specific detailed information of a specific real estate to the user terminal 200, and the user terminal 200 allows the user to Enter specific detailed information of

As an example, referring to FIG. 4, the user terminal 100-1 provides an interface for inputting detailed real estate information through an interaction with the mortgage product providing server 200 (S7) so that the user can provide area information corresponding to a specific real estate. Allows you to enter specific detailed information of a specific real estate including (①), floor information (②), and number of rooms (③). In this case, general information on a specific real estate may be obtained from a real estate price providing server and displayed on a detailed information input interface.

In addition, the user terminal 200 transmits specific detailed information to the secured loan product providing server 200, and the secured loan product providing server 200 uses specific detailed information of a specific real estate obtained from the user terminal 200. If a specific real estate market price of a specific real estate is obtained from the real estate market price providing server, and the real estate market price corresponding to specific detailed information of a specific real estate is not confirmed in the real estate market price providing server, the user terminal 100-1 requests the estimated real estate price. , Obtains the expected real estate market price input by the user from the user terminal (100-1).

However, if the real estate market price corresponding to the specific location information is not confirmed in the real estate market price providing server, the security loan product providing server 200 uses the user terminal 100-1 to provide specific location information, specific detailed information, and prediction A real estate price is requested, and specific location information, specific detailed information, and expected real estate price input by the user are obtained from the user terminal 100-1.

For example, referring to FIG. 5, the user terminal 100-1 provides a real estate location information input interface through an interaction with the mortgage loan product providing server 200 (S8) so that the user can provide specific location information corresponding to a specific real estate. The user can input specific detailed information such as area information (①), number of rooms (②), and expected real estate market price (③) corresponding to a specific real estate by providing a detailed real estate information input interface (S9). Make it possible.

On the other hand, if the type of specific real estate is not the type for which real estate market price is provided by the real estate market price providing server, the mortgage product providing server 200 uses the user terminal 100-1 to provide specific location information and specific detailed information of a specific real estate. , And a predicted real estate market price is requested, and specific location information, specific detailed information, and a predicted real estate market price input by the user are obtained from the user terminal 100-1.

Thereafter, the mortgage loan product providing server 200 checks the purpose of the loan and, if it is confirmed that the purpose of the loan is a loan for other purposes with a specific real estate as collateral, the user terminal 100-1 provides information on the collateral provider corresponding to the specific real estate. request. And, the user terminal 100-1 allows the user to input the security provider information, and when the user inputs the security provider information, it transmits the security provider information input by the user to the security loan product providing server 200. .

As an example, referring to FIG. 6, the user terminal 100-1 provides a collateral provider information input interface through an interaction with the mortgage loan product providing server 200 (S10), so that the user is connected to the owner of a specific real estate. You can enter

In addition, the secured loan product providing server 2000 may obtain the bond information from the user terminal 100-1 by requesting bond information corresponding to a specific real estate to the user terminal 100-1. In this case, providing a secured loan product. The server 200 requests the user terminal 100-1 to check whether there is a lease contract for a specific real estate, and if there is a lease contract, the server 200 requests the rental amount to the user terminal 100-1, and the user terminal 100-1 You can get the rental amount from ).

As an example, referring to FIG. 7, the user terminal 100-1 provides a tenant identification interface through an interaction with the mortgage product providing server 200 (S11) so that the user checks whether there is a tenant in a specific real estate. , If there is a tenant in a specific real estate, a jeonse guarantee amount input interface is provided (S12) so that the user can input the jeonse guarantee amount contracted for a specific real estate.

In this way, the security loan product providing server 200 may obtain security information for a specific real estate through an interaction with the user terminal 100-1. At this time, the collateral information may include at least one of a loan purpose, a specific real estate type, specific location information, specific detailed information, and a specific real estate market price or expected real estate price, collateral provider information, and bond information.

Next, when user information is obtained from the user terminal 100-1, the security loan product providing server 200 checks the user's credit information and the user's expected information using the user information, and the user terminal 100 -1) by requesting the loan application amount to obtain the loan application amount desired by the user from the user terminal (100-1).

At this time, the security loan product providing server 200 obtains the user's credit information from at least one credit rating server by requesting the user's credit information from the at least one credit rating server using the user information, and the user's credit information The user's expected projection information is checked with reference to, and the user terminal 100-1 selects at least one expected projection to be replaced among the user's expected projection information, and at least one device from the user terminal 100-1 is selected. When a loan is selected and a loan is requested, a loan application amount including at least one loan loan according to expected expectations may be input.

For example, referring to FIG. 8, the user terminal 100-1 provides a user information input interface through an interaction with the mortgage product providing server 200 (S13) so that the user can input user information, The user information input by the user is transmitted to the security loan product providing server 200.

And, the secured loan product providing server 200 requests user credit information corresponding to the user from at least one credit rating server with reference to the user information obtained from the user terminal 100-1, and at least one credit rating The server performs user authentication by various methods such as real name authentication of the user, for example, phone number authentication, voice authentication through phone call, credit card authentication, and then transmits the user's credit information to the security loan product providing server 200 Give it to you. At this time, the user credit information may include the user's current job, annual income, etc., but is not limited thereto, and identification of credit rating, card usage information, overdue information, real estate information, other loan information, age, gender, debt default information, etc. It may contain various credit information related to the user. In addition, the security loan product providing server 200 may additionally acquire at least one of the user's workplace information, tenure period information, and income information by scraping in the administrative office server using the user information. At this time, the administrative office server may include the Health Insurance Management Corporation server, the Pension Insurance Corporation, the National Tax Service, etc., and the employer's workplace, the employment period check, and the health insurance management service server for income estimation or the employee from the Pension Insurance Corporation server. You can check insurance premium information and actual income information for users from the IRS server.

And, referring to FIG. 9, the user terminal 100-1 provides a loan application interface through an interaction with the mortgage loan product providing server 200 (S14) so that the user can select the expected expectation for the loan loan. do. Thereafter, when a loan for a specific expected projection is selected by the user, the user terminal 100-1 provides an interface for inputting a loan application amount through an interaction with the security loan product providing server 200 (S15), and You can enter the amount of the loan application including the loan amount.

Thereafter, the mortgage loan product providing server 200 requests the user terminal 100-1 to select the user's job from among the preset job groups, and when a specific job of the user is acquired from the user terminal 100-1, the user Income information of the user may be obtained from the user terminal 100-1 by requesting income information corresponding to a specific job from the terminal 100-1.

At this time, the mortgage loan product providing server 200 transmits the user's job and annual salary information obtained by referring to the user's credit information to the user terminal 100-1, when the user's specific occupation is an office worker. Allows the user to check the user's workplace and annual salary information, and when the user's workplace and annual salary information confirmed by the user is obtained from the user terminal 100-1, the user's working period is checked and the working period is set in advance. If the condition, that is, the condition of working period that can be borrowed, is not satisfied, the user terminal 100-1 requests information on the previous job to obtain information on the user's previous job, and if the user's specific job is a job that can prove income , It is possible to obtain the income document from the user terminal by requesting an income document from the user terminal 100-1.

For example, referring to FIG. 10, the user terminal 100-1 provides a job selection interface through an interaction with the mortgage loan product providing server 200 (S16). At this time, occupations can be classified into office workers, freelancers who can check income information, pension income earners, rental business owners, individual business owners, corporate business operators, etc., reserve business owners without income information, full-time housewives, and others, but are limited thereto. no.

And, referring to FIG. 11, when the job selected by the user is an office worker, the user terminal 100-1 retrieves job and annual salary information obtained from the user's credit information through an interaction with the mortgage product providing server 200. Provides an interface for checking the referenced job and annual salary information (S17), allowing the user to check whether the job and annual salary information obtained from credit information is correct with his actual job and annual salary information, and job and annual salary information obtained from credit information If the information does not match the actual job and annual salary information, the job and annual salary information obtained from credit information can be modified to the actual job and annual salary information. Thereafter, when the user's workplace and annual salary information confirmed or modified by the user is obtained, the security loan product providing server 200 provides the user's workplace and annual salary information obtained from credit information or the user's workplace and annual salary modified by the user. By referring to the information, it is possible to check whether the working period at the current workplace of the user satisfies the preset working period conditions. As an example, it is checked whether the user's current working period is more than 2 years, and if the user's current working period is less than 2 years, the previous job information can be added so that the user's working period is set to the preset working period conditions. At least one satisfactory previous job information may be additionally obtained.

In addition, referring to FIG. 12, when the job selected by the user is a job that can check income information, such as a freelancer, a pension income earner, a rental business operator, an individual business operator, a corporate business operator, etc., the user terminal 100-1 is a collateral loan product. An annual income input interface is provided through the interaction with the providing server 200 (S18) so that the user can input their annual income.

In addition, referring to FIG. 13, when the job selected by the user is an individual business operator or a corporate business operator, the user terminal 100-1 provides a business registration date input interface through an interaction with the security loan product providing server 200 ( S19) so that the user can enter the business registration date, and when the user enters the business registration date, a sales proof document input interface is provided (S20) so that the user can input sales proof documents as income information or submit sales proof documents In the case of a corporate business, a financial statement input interface is further provided (S21) so that the user can input financial statements or confirm that the financial statements can be submitted.

Next, the mortgage loan product providing server 200 can generate user mortgage loan application information by referring to at least one of a specific real estate type, collateral information, user's credit information, user's income information, and loan application amount. have.

That is, when the type of a specific real estate is a preset type, or a specific real estate market price or a predicted real estate price is equal to or greater than the first preset value, the collateral information of a specific real estate, the user's credit information, The user's security loan application information is generated by referring to at least one of the user's income information and the user's loan application amount. At this time, if the user's specific occupation is a full-time housewife, the security loan product providing server 200 requests spouse income information from the user terminal 100-1, and spouse income information obtained from the user terminal 100-1 With reference to further, user security loan application information may be generated.

However, when the type of a specific real estate is not a preset type, the mortgage loan product providing server 200 checks a specific real estate price or expected real estate price, and checks whether the specific location information of the specific real estate is a regulated area.

At this time, when the specific real estate market price or the predicted real estate market price is less than the first set value and is greater than or equal to the preset second set value, and the specific location information is a regulated area, the mortgage loan product providing server 200 User security loan application information is generated by referring to at least one of credit information, user income information, and loan application amount. At this time, if the user's specific occupation is a full-time housewife, the security loan product providing server 200 requests spouse income information from the user terminal 100-1, and spouse income information obtained from the user terminal 100-1 With reference to further, user security loan application information may be generated.

And, when the specific real estate market price or the predicted real estate market price is less than the first set value and is more than the preset second set value, and the specific location information is not a regulated area, or the specific real estate market price or the expected real estate market price is less than the second set value. In this case, the security loan product providing server 200 requests the user's other real estate ownership information from the user terminal 100-1 to obtain other real estate ownership information from the user terminal 100-1, and the other real estate ownership information is If it is more than a predetermined real estate ownership reference value, user security loan application information may be generated by referring to at least one of security information, user's credit information, user's income information, and loan application amount. At this time, if the user's specific occupation is a full-time housewife, the security loan product providing server 200 requests spouse income information from the user terminal 100-1, and spouse income information obtained from the user terminal 100-1 With reference to further, user security loan application information may be generated. And, if other real estate ownership information is less than the real estate ownership reference value, the user terminal 100-1 requests additional information of the user, and when additional information is obtained from the user terminal 100-1, collateral information, user's credit information , User security loan application information may be generated with reference to at least one of the user's income information, loan application amount, and additional information. At this time, the security loan product providing server 200 requests the user's marriage information from the user terminal 100-1 to obtain the user's marriage information from the user terminal 100-1, and if the user is unmarried, the user By requesting the dependent family information from the terminal 100-1, the dependent family information is obtained as additional information from the user terminal 100-1, and if the user is married, the spouse income information, the child By requesting information and loan preferential information, spouse income information, child information, and loan preferential information may be obtained as additional information from the user terminal 100-1. In addition, the mortgage loan product providing server 200, when there is no other real estate ownership information, may request information on the user's homeless period to the user terminal 100-1 and obtain the homeless period information as additional information from the user terminal. have.

On the other hand, the secured loan product providing server 200 obtains the user's available area information by requesting the user's available area information from the user terminal 100-1, and further refers to the information about the area available to visit, thereby making a user collateral loan. You can create application information.

As an example, referring to FIG. 14, when a specific real estate type is an officetel, a specific real estate market price or a predicted real estate price is 900 million or more, a specific real estate type is an apartment, and a specific real estate market price or a predicted real estate price is less than 900 million More than 600 million, or in an area where specific location information is set as a speculative district or a speculative overheating district, the type of specific real estate is an apartment, and the specific real estate market price or predicted real estate price is less than 600 million, In the case of non-government-supported housing purchase conditions, such as in the case of owning, the mortgage loan product providing server 200 checks the user's job and, if the user's job is a full-time housewife, it interacts with the user terminal 100-1. A spouse income input interface is provided to the user through the interaction (S22), so that the user can input the income of the spouse.

And, referring to FIG. 15, when a specific real estate is an apartment, a specific real estate price or predicted real estate price is less than 900 million and more than 600 million, but specific location information is not a regulated area, or a specific real estate price or expected real estate price If is less than 600 million, the mortgage product providing server 200 provides the user with an interface for inputting information on other real estate possessions through the interaction with the user terminal 100-1 (S24) so that the user owns other real estate owned by the user. Enter the information. At this time, if the user selects homeless, the mortgage product providing server 200 provides the user with a homeless period input interface (S24) through an interaction with the user terminal 100-1 so that the user can enter the homeless period. I can.

Thereafter, referring to FIG. 16, the mortgage product providing server 200 provides a marriage information input interface to the user through an interaction with the user terminal 100-1 (S25) so that the user can input their marriage information. Make it possible. And, when the user inputs unmarried as marriage information, the mortgage loan product providing server 200 provides a dependent family information input interface to the user through the interaction with the user terminal 100-1 (S26) so that the user You can be asked to enter dependent information.

And, referring to FIG. 17, when the user selects married or the user's job is all housewives, the mortgage product providing server 200 provides the user with a spouse income through the interaction with the user terminal 100-1. After providing an information input interface (S27) to allow the user to input his/her spouse income information, and then providing the child information input interface to the user (S28) to input his/her child information, and a user of the loan preferential information input interface It can be provided to (S29) to input his/her loan preferential information. At this time, the loan preferential information may include a home purchaser for the first time in life, a newlywed couple, a single-parent family, a multicultural family, a family with a disability, etc., but is not limited thereto, and may include all information prescribed to receive preferential treatment when lending. . In this case, the loan preferential information may be input by the user by selecting all the loan preferential information corresponding to the user.

In addition, the mortgage loan product providing server 200 acquires owner information of a specific real estate from the real estate registration information providing server, and provides information on the user who applied for a mortgage loan or information on the collateral provider of a specific real estate input by the user. Compared with the owner information of a specific real estate, if the security provider or user information of a specific real estate coincides with the owner information of a specific real estate, the user may be determined as a genuine user and user security loan application information may be generated.

In this way, user security loan application information referring to at least one of the loan purpose, real estate type, collateral information, user credit information, user income information, loan application amount, and additional user information corresponding to each of the users is generated. In the state, when the financial institution terminals 300-1 to 300-n are connected, the security loan product providing server 200 stores user security loan application information from the first target customer category or category preset by each of the financial institutions. It is classified according to each of the i target customer categories, and the classified first target customer category to the i-th target customer category may support the display of user mortgage application information on the financial institution terminals 300-1 to 300-n. . In this case, i may be an integer of 1 or more.

As an example, referring to FIG. 18, when a specific target customer category (①) is selected from a first target customer category to an i-th target customer category through a specific financial institution terminal 300-1, a security loan product providing server 200 ) Causes the user secured loan application information (②) filtered by a specific target customer category (①) to be displayed on a specific financial institution terminal 300-1. At this time, when a selection signal for the view option (③) is obtained from a specific financial institution terminal 300-1, the security loan product providing server 200 displays the user security loan application information (②) in the view option (③). It can be displayed correspondingly. In other words, the view option (③) allows you to select the order of application and the order of the deadline. If you select the order of application, the user mortgage application information is displayed in the order in which they were created, and if you select the order of deadline, the order of the deadline of the loan proposal set by the user Can be displayed as

On the other hand, the security loan product providing server 200 provides a customer category setting interface to the financial institution terminals 300-1 to 300-n to allow each of the financial institution terminals 300-1 to 300-n to filter By setting at least one condition among the desired loan purpose and the type of real estate, it is possible to support the creation of a specific target customer category among the first target customer category to the i-th target customer category. In this case, the mortgage loan product providing server 200 may support each of the financial institution terminals 300-1 to 300-n to create a specific target customer category by additionally setting a condition of user credit information. In addition, the mortgage loan product providing server 200 allows each of the financial institution terminals 300-1 to 300-n to additionally set at least one condition of a handleable loan method and a loanable area to provide a specific target customer category. Can support to create

For example, referring to FIGS. 19 and 20, the mortgage loan product providing server 200 provides a target customer category setting interface to a financial institution manager through an interaction with a specific financial institution terminal 300-1 (S30, S31). ) So that the person in charge of the financial institution can set the conditions (①) for the purpose of loan and the type of real estate. At this time, the person in charge of the financial institution allows the person in charge of the financial institution to select at least one desired condition for each loan purpose and the type of real estate. In addition, the user credit information condition (②) can be set, and the group name (③) of a specific target customer category can be set. In addition, it is possible to set the customer condition that cannot be handled (④) and the loan method that can be handled (⑤).

Next, when secured loan products including loan availability conditions corresponding to user security loan application information for each of the first target customer category to the i-th target customer category are obtained from the financial institution terminals 300-1 to 300-n, , The secured loan product providing server 200 classifies the secured loan products by user, and transmits the secured loan products classified by user to each of the user terminals 100-1, so that the user terminals 100 -1 to 100-m) each can support to display the mortgage loan products corresponding to each of the users.

At this time, the mortgage loan product providing server 200 applies for a specific user mortgage loan application information from the first target customer category to the i-th target customer category from the financial institution terminals 300-1 to 300-n. When an information request for information is obtained, a specific loan purpose corresponding to the specific user mortgage application information, specific real estate type, specific collateral information, specific user credit information, specific user income information, specific loan application amount, and specific user addition By transmitting at least one of the information to the financial institution terminals 300-1 to 300-n, financial institutions can provide a specific loan purpose, specific real estate type, specific collateral information, specific user credit information, specific user income information, It is possible to support to create at least one specific mortgage loan product that can be provided to a specific user by referring to at least one of a specific loan application amount and specific user additional information. At this time, the at least one specific mortgage loan product refers to at least one of a specific loan purpose, a specific real estate type, specific security information, specific user credit information, specific user income information, specific loan application amount, and specific user additional information. It may include information about a plurality of generated loan proposals.

That is, the mortgage loan product providing server 200 allows financial institution terminals to provide specific loan purposes, specific real estate types, specific collateral information, specific user credit information, specific user income information, specific loan application amount, and specific user additions. Refer to at least one of the information to create specific loan offer information with a specific property as collateral, but if the specific loan application amount exceeds the loan limit of a specific loan offer, a specific real estate is used as collateral or user credit information is referenced. Create at least one other loan proposal information, and create a consolidated limit and a consolidated interest rate by referring to the limit and interest rate of each of the specific loan proposal information and at least one other loan proposal information. It is possible to generate at least one specific mortgage loan product including information on a plurality of loan proposals to be included.

As an example, referring to FIGS. 21 and 22, when a request for information about specific user security loan application information is obtained from a financial institution terminal 300-1, the security loan product providing server 200 provides specific security loan application information. For reference, loan application details (①) including at least the loan application product, real estate market price or expected real estate price, bond information, and loan application amount, at least the age/gender of the user, job information, marriage information, income information, spouse income Applicant information (②) including information, child information, and job information, at least location information of real estate, detailed information of real estate, type of real estate, collateral owner information, real estate market price information or expected price information, and loan preferential information. Collateral information (③), government-supported loan availability information (④), including at least stepping stone loans, bogeumjari loans, and eligible loans, and existing loan information (⑤) can be displayed on the financial institution terminal 300-1. have.

And, referring to FIG. 23, the secured loan product providing server 200 provides a loan condition input interface through an interaction with the financial institution terminal 300-1 (S32), so that a financial institution, that is, a person in charge of the financial institution , Through the product selection menu (①), you can select any one of stepping stone loan, bogeumjari loan, qualified loan, other policy loan, and mortgage loan, and the loan product proposed through the interest rate selection menu (②) Allows you to enter an interest rate and a description of the interest rate. In this case, the description of the interest rate may be to explain that the interest rate is set by any one of a fixed rate, a variable rate, and a mixed rate. In addition, through the repayment method selection menu (③), the user can choose to proceed, and through the repayment method selection menu (③), it is possible to select any one of lump sum repayment, equal principal repayment, and lump sum repayment, and the required document selection menu (④) Allows you to select the documents required for a mortgage loan. In addition, it is possible to set the limit of the loan amount, the repayment period, and the interim repayment fee.

At this time, if a specific interest rate method according to the interest rate method selection menu is selected, a setting menu is provided to set interest rate information according to the interest rate method so that the interest rate can be set, and specific required documents according to the required document selection menu are selected. In this case, a menu for setting required documents may be provided so that detailed documents can be set according to the required documents.

On the other hand, it is possible to include a plurality of loan proposals in one mortgage loan product through an additional menu of the mortgage loan proposal information.

That is, referring to FIG. 24, a plurality of loan proposals (①, ②) may be included by generating a loan proposal in addition to one collateral loan product.

For example, if the amount of the user's desired loan application exceeds the loan limit of a specific loan proposal with a specific real estate as collateral, a loan proposal corresponding to another mortgage loan product or a loan corresponding to a credit loan for the insufficient amount It is possible to create a mortgage loan product by mixing proposals. At this time, through the product selection menu (①) in Fig. 23, it is possible to select any one of stepping stone loan, bogeumjari loan, qualified loan, other policy loan, mortgage loan, credit loan, and negative loan, and credit loan In the case of selection, through the repayment method selection menu (③), you can select any one of lump sum payment, equal principal and equal repayment, and equal principal repayment, and when negative loan is selected, you can automatically make a negative bank loan.

And, in the case of generating a mortgage loan product with a plurality of loan proposals, an integrated limit and an integrated interest rate can be calculated. That is, the sum of the limits of each of the plurality of loan proposals is set as an integrated limit, the values obtained by multiplying the limits and interest rates of each of the plurality of loan proposals are summed, and the value obtained by dividing this by the integrated limit may be set as the integrated interest rate.

When at least one mortgage loan product that can be provided to a user referring to the user security loan application information by this method is obtained from at least one financial institution terminals 300-1 to 300-n, the security loan product providing server 200 ) Transmits at least one collateral loan product to the user terminal so that the user can select a desired collateral loan product by referring to the at least one collateral loan product.

As an example, referring to FIG. 25, the security loan product providing server 200 provides a security loan product providing interface through an interaction with the user terminal 100-1 (S33), and 300-n), the user can check the security loan products corresponding to the specific user security loan application information. At this time, when a plurality of loan proposals are included in one mortgage loan product, the integrated limit and the integrated interest rate may be displayed.

And, when the user selects a specific mortgage loan product among the mortgage loan products generated from at least one financial institution terminals 300-1 to 300-n, a detailed loan content interface is provided (S34) so that the user You can check the details of the loan product.

At this time, the details of the specific mortgage loan product may include any one of online loan progress, phone loan progress, and financial institution visit for the loan process, and a specific loan from the user terminal 100-1. When the selection signal for the application icon is obtained, the mortgage loan product providing server 200 makes a loan to the user from the corresponding financial institution terminal 300-1 by a loan application method corresponding to the specific loan application selection icon. can do.

On the other hand, the collateral advertisement providing server 200 allows the identification user to write a review on a loan product or a financial institution affiliate corresponding to the loan product, and manage the rating for the created review.

Further, the embodiments according to the present invention described above may 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 instructions, data files, data structures, etc. alone or in combination. The program instructions recorded in the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and usable to those skilled in the computer software field. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs and DVDs, magnetic-optical media such as floptical disks. media), and a hardware device specially configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of the program instructions include not only machine language codes such as those produced by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules to perform processing according to the present invention, and vice versa.

In the above, the present invention has been described by specific matters such as specific elements and limited embodiments and drawings, but this is provided only to help a more general understanding of the present invention, and the present invention is not limited to the above embodiments. , Anyone with ordinary knowledge in the technical field to which the present invention pertains can make various modifications and variations from these descriptions.

Therefore, the spirit of the present invention is limited to the above-described embodiments and should not be defined, and all modifications that are equally or equivalent to the claims as well as the claims to be described later fall within the scope of the spirit of the present invention. I would say.

100-1, 100-m: user terminal,
200: a security loan product providing server,
300-1, 300-n: financial institution terminal

Claims (32)

In the method of operating or using a platform for providing customized mortgage loan products to qualified mortgage loans,
(a) When a specific type of real estate to be provided for loan purposes and collateral is obtained from the user terminal, (i) it is checked whether the type of the specific real estate is the type for which real estate price is provided by the real estate market price providing server, and (i- 1) When the type of the specific real estate is the type in which real estate market prices are provided by the real estate market price providing server, request the specific location information of the specific real estate and specific detailed information of the specific real estate to the user terminal, and the user terminal By referring to the specific location information and the specific detailed information obtained from, a specific real estate price of the specific real estate is obtained from the real estate price providing server, and (i-2) the type of the specific real estate is determined from the real estate price providing server. If the real estate market price is not of the type provided, the specific location information, the specific detailed information, and the expected real estate price of the specific real estate are requested from the user terminal, and the specific location information, the specific detailed information, And obtaining the expected real estate market price, and (ii) requesting bond information corresponding to the specific real estate to the user terminal and obtaining the bond information from the user terminal, thereby obtaining collateral information corresponding to the specific real estate. , When user information is obtained from the user terminal, the user's credit information and the user's expected expected information are checked using the user information, and the user's desired loan request amount is requested from the user terminal. Obtaining the loan application amount, requesting the user terminal to select a job of the user from among a preset job group, and when a specific job of the user is obtained from the user terminal, the income corresponding to the specific job to the user terminal The process of obtaining the user's credit information and the user's income information by requesting information and obtaining the user's income information from the user terminal, and the type of the specific real estate, the collateral information, the The loan purpose corresponding to each of the users, the type of real estate, and the collateral through the process of generating user collateral loan application information by referring to at least one of the user's credit information, the user's income information, and the loan application amount. Information, user credit information, user income information, the loan application amount, and when user security loan application information referring to at least one of the user additional information is generated and when financial institution terminals are connected, the security loan product providing server, the User mortgage application information is classified in the first target customer category to the i-th preset by each of the financial institutions-the i is an integer greater than or equal to 1-classifies corresponding to each target customer category, and the classified first target customer category to the above Supporting the user security loan application information for each of the i th target customer category to be displayed on the financial institution terminals; And
(b) When secured loan products including loan availability conditions corresponding to the user security loan application information for each of the first target customer category to the i-th target customer category are obtained from the financial institution terminals, the security loan product The providing server classifies the secured loan products by user and transmits the secured loan products classified by user to each of the user terminals, thereby allowing each of the user terminals to select the secured loan products corresponding to each of the users. Supporting to display;
Including,
In step (b),
When the security loan product providing server obtains an information request for specific user security loan application information among the user security loan application information for each of the first target customer category to the i-th target customer category from the financial institution terminals, At least one of a specific loan purpose corresponding to the specific user security loan application information, specific real estate type, specific security information, specific user credit information, specific user income information, specific loan application amount, and specific user additional information By transmitting to terminals, the financial institutions allow the specific loan purpose, the specific real estate type, the specific collateral information, the specific user credit information, the specific user income information, the specific loan application amount, and the specific user. Support to create at least one specific mortgage loan product that can be provided to a specific user by referring to at least one of the additional information,
The secured loan product providing server, the financial institution terminals, the specific loan purpose, the type of the specific real estate, the specific collateral information, the specific user credit information, the specific user income information, the specific loan application amount, And generating specific loan proposal information with the specific real estate as collateral by referring to at least one of the specific user additional information, but when the specific loan application amount exceeds the loan limit of the specific loan proposal, the specific real estate Generate at least one other loan offer information as collateral or refer to the user's credit information, and integrate the specific loan offer information and the at least one other loan offer information with a consolidation limit referring to each limit and interest rate A method of generating the at least one specific mortgage loan product including a plurality of loan offer information including the consolidated limit and the consolidated interest rate by generating an interest rate. delete delete The method of claim 1,
Before step (a),
(a01) The mortgage loan product providing server provides a customer category setting interface to the financial institution terminals so that each of the financial institution terminals determines at least one condition of the loan purpose and the real estate type to be filtered. Supporting the creation of a specific target customer category from among the first target customer category to the i-th target customer category by setting;
How to further include. delete delete The method of claim 1,
(c) When loan applications for a specific mortgage loan product for which a loan is desired among the security loan products are obtained from the user terminals, the security loan product providing server is directed to a specific financial institution terminal corresponding to the specific mortgage product. Helping to make a loan for the specific mortgage loan product;
How to further include. delete In the method of operating or using a platform for providing customized mortgage loan products to qualified mortgage loans,
(a) When a specific type of real estate to be provided for loan purposes and collateral is obtained from the user terminal, (i) it is checked whether the type of the specific real estate is the type for which real estate price is provided by the real estate market price providing server, and (i- 1) When the type of the specific real estate is the type in which real estate market prices are provided by the real estate market price providing server, request the specific location information of the specific real estate and specific detailed information of the specific real estate to the user terminal, and the user terminal By referring to the specific location information and the specific detailed information obtained from, a specific real estate price of the specific real estate is obtained from the real estate price providing server, and (i-2) the type of the specific real estate is determined from the real estate price providing server. If the real estate market price is not of the type provided, the specific location information, the specific detailed information, and the expected real estate price of the specific real estate are requested from the user terminal, and the specific location information, the specific detailed information, And obtaining the expected real estate market price, and (ii) requesting bond information corresponding to the specific real estate to the user terminal and obtaining the bond information from the user terminal, thereby obtaining collateral information corresponding to the specific real estate. , When user information is obtained from the user terminal, the user's credit information and the user's expected expected information are checked using the user information, and the user's desired loan request amount is requested from the user terminal. Obtaining the loan application amount, requesting the user terminal to select a job of the user from among a preset job group, and when a specific job of the user is obtained from the user terminal, the income corresponding to the specific job to the user terminal The process of obtaining the user's credit information and the user's income information by requesting information and obtaining the user's income information from the user terminal, and the type of the specific real estate, the collateral information, the The loan purpose corresponding to each of the users, the type of real estate, and the collateral through the process of generating user collateral loan application information by referring to at least one of the user's credit information, the user's income information, and the loan application amount. Information, user credit information, user income information, the loan application amount, and the user security loan application information that referenced at least one of the user additional information is generated, the user security loan application information from the security loan product providing server The first target customer category to the i-th preset by each of the -the i is an integer greater than or equal to 1 -the user for each of the first target customer category to the i-th target customer category classified according to each target customer category When the security loan application information is obtained, displaying, by a financial institution terminal, the user security loan application information for each of the first target customer category to the i-th target customer category; And
(b) The financial institution terminal generates a security loan product including a loan availability condition corresponding to the user security loan application information according to the first target customer category to the i-th target customer category, and the security loan product The security loan product providing server categorizes the security loan products by user by transmitting them to the security loan product providing server, and transmits the security loan products classified by user to each of the user terminals to the user terminals. Allowing each to display collateral products corresponding to each of the users;
Including,
In step (b),
The financial institution terminal transmits an information request for specific user security loan application information among the user security loan application information for each of the first target customer category to the i-th target customer category to the security loan product providing server, The mortgage loan product providing server causes the specific loan purpose corresponding to the specific user security loan application information, specific real estate type, specific collateral information, specific user credit information, specific user income information, specific loan application amount, and specific user additional information The specific loan purpose obtained from the security loan product providing server, the specific real estate type, the specific security information, the specific user credit information, and the specific user income are transmitted to at least one of the terminals of the financial institution. Create at least one specific mortgage loan product that can be provided to a specific user by referring to at least one of information, the specific loan application amount, and the specific user additional information,
The financial institution terminal includes at least one of the specific loan purpose, the specific real estate type, the specific collateral information, the specific user credit information, the specific user income information, the specific loan application amount, and the specific user additional information. Generate specific loan proposal information with the specific real estate as collateral with reference, but when the specific loan application amount exceeds the loan limit of the specific loan proposal, the specific real estate is used as collateral or the user credit information is referred to. By generating at least one other loan proposal information, and generating a consolidated limit and a consolidated interest rate referring to the limit and interest rate of the specific loan proposal information and the at least one other loan proposal information, the consolidated limit and the consolidated interest rate The method of generating the at least one specific mortgage loan product including a plurality of loan offer information including a. delete delete The method of claim 9,
Before step (a),
(a01) The financial institution terminal sets at least one condition of the loan purpose and the type of real estate to be filtered through the customer category setting interface obtained from the mortgage product providing server, and the first target customer category to Generating a specific target customer category among the i th target customer categories;
How to further include. delete delete The method of claim 9,
(c) When loan applications for a specific mortgage loan product for which a loan is desired among the mortgage loan products from the user terminals are obtained from the security loan product providing server, the financial institution terminal, through the user terminal, Allowing a loan for a mortgage loan product to be made;
How to further include. delete In the security loan product providing server operating or using a platform for providing customized mortgage loan products to qualified mortgage loans,
A memory for storing instructions for providing a customized mortgage loan product to a qualified mortgage loan; And
A processor that performs an operation of providing the mortgage loan product according to the instructions stored in the memory; Including,
The processor, when (I) a specific real estate type to be provided for loan purposes and collateral is obtained from the user terminal, (i) the specific real estate type is the type of real estate market price provided by the real estate market price providing server. , (i-1) When the type of the specific real estate is the type for which real estate market prices are provided by the real estate market price providing server, requesting specific location information of the specific real estate and specific detailed information of the specific real estate to the user terminal , Obtaining a specific real estate price of the specific real estate from the real estate price providing server with reference to the specific location information and the specific detailed information obtained from the user terminal, (i-2) the type of the specific real estate is the real estate price When the real estate price is not of the type provided by the providing server, the specific location information, the specific location information, and the specific location information from the user terminal are requested by requesting the specific location information, the specific detailed information, and the expected real estate price of the specific real estate to the user terminal. Obtaining specific detailed information and the expected real estate market price, and (ii) requesting bond information corresponding to the specific real estate to the user terminal to obtain the bond information from the user terminal, and collateral information corresponding to the specific real estate The process of obtaining, when user information is obtained from the user terminal, the user information is used to check the user's credit information and the user's expected expected information, and request a loan application amount to the user terminal from the user terminal. When the user obtains the desired loan application amount, requests the user terminal to select a job of the user from among a preset job group, and when a specific job of the user is obtained from the user terminal, the specific job is sent to the user terminal. The process of obtaining the user's income information and the user's credit information and the user's income information by requesting income information corresponding to the user terminal, and the specific real estate type, the Through a process of generating user security loan application information by referring to at least one of security information, the user's credit information, the user's income information, and the loan application amount, the loan purpose corresponding to each of the users, the real estate When user security loan application information referring to at least one of the type, the security information, the user credit information, the user income information, the loan application amount, and the user additional information is generated, when the financial institution terminals are connected, the user security loan The application information is classified according to the first target customer category to the i-th preset by each of the financial institutions-the i is an integer greater than or equal to 1-categorized corresponding to each target customer category, and the classified first target customer category to the i-th target A processor supporting the display of the user mortgage application information for each customer category on the financial institution terminals; And (II) when secured loan products including loanable conditions corresponding to the user secured loan application information for each of the first target customer category or the i-th target customer category are obtained from the financial institution terminals, the secured loan A process for supporting each of the user terminals to display the security loan products corresponding to each of the users by classifying products for each user and transmitting the secured loan products classified for each user to each of the user terminals; And
The processor, in the process (II), requests information for specific user security loan application information among the user security loan application information for each of the first target customer category to the i-th target customer category from the financial institution terminals. When obtained, at least one of a specific loan purpose corresponding to the specific user security loan application information, a specific real estate type, specific security information, specific user credit information, specific user income information, specific loan application amount, and specific user additional information. By transmitting to the financial institution terminals, the financial institutions allow the specific loan purpose, the specific real estate type, the specific collateral information, the specific user credit information, the specific user income information, the specific loan application amount, and Support for generating at least one specific mortgage loan product that can be provided to a specific user by referring to at least one of the specific user additional information,
The processor, the financial institution terminals, the specific loan purpose, the specific real estate type, the specific collateral information, the specific user credit information, the specific user income information, the specific loan application amount, and the specific user Generate specific loan proposal information with the specific real estate as collateral by referring to at least one of the additional information, but when the specific loan application amount exceeds the loan limit of the specific loan proposal, the specific real estate is as collateral or the Generate at least one other loan proposal information with reference to user credit information, and to generate a consolidated limit and a consolidated interest rate referring to the limit and interest rate of each of the specific loan proposal information and the at least one other loan proposal information By doing so, a security loan product providing server configured to generate the at least one specific mortgage loan product including a plurality of loan proposal information including the integrated limit and the integrated interest rate. delete delete The method of claim 17,
The processor, prior to the (I)) process, (I01) provides a customer category setting interface to the financial institution terminals to allow each of the financial institution terminals to, among the loan purpose and the real estate type to be filtered. A process of supporting the creation of a specific target customer category among the first target customer category to the i-th target customer category by setting at least one condition; A security loan product providing server that further performs. delete delete The method of claim 17,
The processor, (III) when loan applications for a specific mortgage loan product for which a loan is desired among the security loan products are obtained from the user terminals, the specific financial institution terminal corresponding to the specific mortgage loan product causes the specific collateral The process of assisting in making loans for loan products; A security loan product providing server that further performs. delete In the terminal of a financial institution that operates or uses a platform for providing customized mortgage loan products to qualified mortgage loans,
A memory for storing instructions for providing a customized mortgage loan product to a qualified mortgage loan; And
A processor that performs an operation of providing the mortgage loan product according to the instructions stored in the memory; Including,
The processor, when (I) a specific real estate type to be provided for loan purposes and collateral is obtained from the user terminal, (i) the specific real estate type is the type of real estate market price provided by the real estate market price providing server. , (i-1) When the type of the specific real estate is the type for which real estate market prices are provided by the real estate market price providing server, requesting specific location information of the specific real estate and specific detailed information of the specific real estate to the user terminal , Obtaining a specific real estate price of the specific real estate from the real estate price providing server with reference to the specific location information and the specific detailed information obtained from the user terminal, (i-2) the type of the specific real estate is the real estate price When the real estate price is not of the type provided by the providing server, the specific location information, the specific location information, and the specific location information from the user terminal are requested by requesting the specific location information, the specific detailed information, and the expected real estate price of the specific real estate to the user terminal. Obtaining specific detailed information and the expected real estate market price, and (ii) requesting bond information corresponding to the specific real estate to the user terminal to obtain the bond information from the user terminal, and collateral information corresponding to the specific real estate The process of obtaining, when user information is obtained from the user terminal, the user information is used to check the user's credit information and the user's expected expected information, and request a loan application amount to the user terminal from the user terminal. When the user obtains the desired loan application amount, requests the user terminal to select a job of the user from among a preset job group, and when a specific job of the user is obtained from the user terminal, the specific job is sent to the user terminal. The process of obtaining the user's income information and the user's credit information and the user's income information by requesting income information corresponding to the user terminal, and the specific real estate type, the Through a process of generating user security loan application information by referring to at least one of security information, the user's credit information, the user's income information, and the loan application amount, the loan purpose corresponding to each of the users, the real estate In a state in which user security loan application information referring to at least one of the type, the security information, user credit information, user income information, the loan application amount, and user additional information is generated, the user security loan application from the security loan product providing server Information is classified in correspondence with each of the first target customer category to the i th target customer category preset by each of the financial institutions-the i is an integer greater than or equal to 1-the classified first target customer category to the i th target customer A process of displaying the user security loan application information for each of the first target customer category to the i-th target customer category when the user security loan application information for each category is obtained; And (II) generating collateral loan products including loan availability conditions corresponding to the user collateral loan application information for each of the first target customer category to the i-th target customer category, and the collateral loan products By transmitting to the providing server, the secured loan product providing server classifies the secured loan products by user, and transmits the secured loan products classified by user to each of the user terminals so that each of the user terminals A process of supporting to display the mortgage loan products corresponding to each of them; And
The processor may, in the process (II), request information for specific user security loan application information among the user security loan application information for each of the first target customer category to the i-th target customer category, the security loan product providing server By sending to, the security loan product providing server causes the specific loan purpose corresponding to the specific user security loan application information, specific real estate type, specific security information, specific user credit information, specific user income information, specific loan application amount, And transmitting at least one of specific user additional information to the financial institution terminals, the specific loan purpose obtained from the security loan product providing server, the specific real estate type, the specific security information, and the specific user credit information , Generating at least one specific collateral loan product that can be provided to a specific user by referring to at least one of the specific user income information, the specific loan application amount, and the specific user additional information,
The processor may refer to at least one of the specific loan purpose, the specific real estate type, the specific collateral information, the specific user credit information, the specific user income information, the specific loan application amount, and the specific user additional information. Generates specific loan proposal information with the specific real estate as collateral, but when the specific loan application amount exceeds the loan limit of the specific loan proposal, at least one that uses the specific real estate as collateral or refers to the user credit information Generates other loan proposal information, and generates a consolidated limit and a consolidated interest rate referring to the limit and interest rate of the specific loan proposal information and the at least one other loan proposal information, thereby including the consolidated limit and the consolidated interest rate. Financial institution terminal for generating the at least one specific mortgage loan products including a plurality of loan proposal information. delete delete The method of claim 25,
The processor, prior to the (I) process, sets at least one of the loan purpose to be filtered and the type of real estate to be filtered through a customer category setting interface obtained from the security loan product providing server, and the first target A process of generating a specific target customer category from among the customer category to the i th target customer category; Financial institution terminal to further perform. delete delete The method of claim 25,
The processor, (III) When loan applications for a specific mortgage loan product for which loans are desired among the security loan products from the user terminals are obtained from the security loan product providing server, the specific mortgage loan through the user terminal The process of making a loan for the product; Financial institution terminal to further perform. delete

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