KR102293414B1 - Online mortgage loan system and method for financial institutions - Google Patents

Abstract

The movable property mortgage loan system of a financial institution (bank) according to the present invention includes a customer authentication unit for member registration and information management of customers, a movable property security appraisal unit for information confirmation and evaluation of movable property collateral, and a contract and examination for collateral for movable property and a movable property security management section for managing, utilizing and disposing of the movable property collateral, and the movable property security management section is provided as a separate entity contracted with the financial institution to manage, utilize and dispose of the movable property security and, if the applicant for the movable property mortgage loan fails to repay after the repayment period has arrived, it is characterized in that the movable property collateral is disposed of.

Description

Online mortgage loan system and method for financial institutions

The present invention relates to an online movable property secured loan system and method, and more particularly, unlike the existing movable property secured loan system, a separate movable property security management institution manages, utilizes and disposes of movable property collateral, thereby activating movable property secured loans of financial institutions And it relates to an online mortgage loan system and method for reducing the risk.

In general, to obtain a loan from a financial institution, there are secured loans that require collateral and credit loans based on credit. A credit loan is a loan provided by a financial company based on a customer's creditworthiness. The loan amount and interest rate are determined in consideration of the customer's economic situation, occupation, transaction matters, family matters, etc.

Credit loans are classified into pure non-guaranteed credit loans and credit loans that establish a guarantee by a credit guarantee company. On the other hand, collateral loans are generally longer than credit loans, have a larger amount, and have a lower interest rate. A lender is a person who holds real estate or assets of economic value from the borrower in case the money is not returned.

In other words, a financial transaction in which a financial company sets up physical collateral and lends money is called a collateralized loan. Here, a financial transaction is a loan with real estate as collateral or a loan with real estate-secured bonds as collateral, and it is one of collateral finance that carries out economic and legal acts according to the financing. When ordinary people purchase a house, they run out of funds, so the shortfall is borrowed from a financial company, and the financial company establishes a mortgage as collateral.

However, in general, companies are receiving loans with real estate as collateral to secure liquidity funds, but there are limits to loans because real estate collateral must be premised. It is difficult to secure liquidity.

As an alternative to these difficulties, recently, discussions are being made on movable property-secured loans. Moving away from the existing real estate-oriented mortgage lending practices, in order to enable companies that do not own real estate to obtain loans with movable assets such as raw materials or inventories as collateral, the introduced as part of

In other words, collateral for movable property means that a company provides raw materials and products in factories or warehouses as collateral in addition to land and buildings, which are real estate, and borrows a certain amount of money corresponding to the collateral of movable property from a financial institution such as a bank.

However, there is a problem in that it is difficult to determine the value of movable property for establishing a security right in movable property, and the debtor defaults on the debt while generating revenue using the movable property. Therefore, there is a need for a safe personal property secured loan plan through the possession of reliable movable property.

In addition, as a financial institution, there are limitations in the management, utilization and disposal of collateral for movable property, and it is difficult for both the loan applicant and financial institution to check the collateral in real time. There is a problem in that the financial institution retains the risks that arise if it does not.

Patent Publication No. 10-2014-0055722 (published on May 9, 2014)

The present invention has been devised in view of the above problems, and an object of the present invention is to reduce the risk of a financial institution by effectively managing the collateral for movable property by a movable property security management institution that manages, utilizes and disposes of movable property collateral, and disposes it when necessary This is to provide a movable property secured loan system and method for activating movable property secured loans.

The movable property mortgage loan system of a financial institution (bank) according to the present invention includes a customer authentication unit for member registration and information management of customers, a movable property security appraisal unit for information confirmation and evaluation of movable property collateral, and a contract and examination for collateral for movable property and a movable property security management section for managing, utilizing and disposing of the movable property collateral, and the movable property security management section is provided as a separate entity contracted with the financial institution to manage, utilize and dispose of the movable property security and, if the applicant for the movable property mortgage loan fails to repay after the repayment period has arrived, it is characterized in that the movable property collateral is disposed of.

In addition, the movable property security management unit concludes a trust contract, lien, or pledge contract with the financial institution with respect to the movable property security, and pays the financial institution the amount sold online to dispose of the movable property security. .

In addition, the movable property security management unit can provide and utilize the calculated value of the movable property security to the financial institution, including the movable property security appraisal section, if necessary, and to evaluate the value of the applicant's documents, the status of the movable property security, It is characterized in that the judgment is made with reference to the brand, year, size, color, and related information, standard market price information provided in advance, loan information of the applicant, and arrears information.

In addition, the movable property security management unit uses a system for managing the movable property security in three dimensions, but accurately manages the inventory of the movable property security in real time by using an OCR or QR code, and the acquired data is transmitted to the financial institution or a separate It is characterized in that it can be stored, processed, and utilized through the server.

The movable property mortgage loan method of a financial institution (bank) according to the present invention includes the steps of membership registration and confirmation of the movable property secured loan applicant, the steps of appraising the value of the movable property collateral, and determining the loan approval and loanable amount based on the assessed value The steps of entrusting and entrusting the movable property security to a movable property security management institution, managing the movable property security using OCR, QR code and a three-dimensional system and providing real-time information, the applicant's loan repayment period arrives In the case of not repaying even if it is not repaid, the steps of disposing of the collateral for the movable movables by the movable property management institution and transferring the amount of the disposed movable property security to the financial institution.

In addition, the movable property security management institution concludes a trust contract, lien, or pledge contract with the financial institution with respect to the movable property security, and pays the financial institution the amount sold online to dispose of the movable property security do.

In addition, the movable property security management institution may provide and utilize the calculated value of the movable property security to the financial institution if necessary, and to evaluate the value, the applicant's submitted documents, the status of the movable property security, brand, year, size, It is characterized in that it is judged by referring to color and related information, standard market price information provided in advance, loan information of the applicant, and arrears information.

In addition, the movable property security management institution uses a system for managing the movable property security in three dimensions, but accurately manages the inventory of the movable property security in real time by using OCR or QR code, and the acquired data is transmitted to the financial institution or separately It is characterized in that it can be stored, processed, and utilized through the server of

In addition, the step of transmitting, by the movable property security management institution, inventory information, current location information, and processing status information of the movable property security to the financial institution and the movable property owner, and the financial institution and the movable property security owner reviewing the received information and data And characterized in that it prevents disputes and problems during the management, utilization, processing, and disposal of the movable property security by further comprising the step of confirming.

The movable property secured loan system and method according to the present invention can reduce the risk of financial institutions and promote movable property secured loans.

1 is a block diagram of an online real estate mortgage loan system according to the present invention;
Figure 2 is a main flow chart of the online real estate mortgage loan method according to the present invention;
3 is a detailed flowchart of the online movable property loan method according to the present invention;
4 is a reference image diagram of a 3D system for the management of movable property security in the online movable property loan method according to the present invention.

Hereinafter, with reference to the accompanying drawings, it will be described in detail so that a person of ordinary skill in the art to which the present invention pertains can easily carry out the movable property mortgage loan system and method according to an embodiment of the present invention.

The present invention is not limited to the embodiments described herein, and may be implemented in several different forms. In order to clearly explain the present invention, parts irrelevant to the description are omitted, and the same reference numerals are assigned to the same or similar elements throughout the specification.

In the description of the present invention, movable property is meant to include tangible, intangible, and semi-intangible objects, excluding real estate, and may be expressed as "articles" or "products" for convenience of explanation, and includes intellectual property rights and various intangible property rights. can do.

In addition, in the description of the present invention, the contractual relationship between the management institution of collateral for movable property and the financial institution may select a contractual relationship suitable for each situation, such as trust, trust, delegation, pledge, lien, etc., and is not interpreted as being limited to wording.

1 is a block diagram of a movable property secured loan system according to the present invention. As shown, the movable property secured loan system of a financial institution or bank according to the present invention is a customer authentication unit 120 that performs customer membership registration and information management. , a movable property collateral appraisal unit 140 for checking information and evaluating the value of movable property collateral, a contract management section 130 for proceeding with a movable property secured loan contract and examination, and a movable property security management section for managing, utilizing and disposing of the movable property collateral .

The customer authentication unit 120 includes a member registration and management unit 121, manages authentication information for each individual customer and corporate customer subscribed to the bank, and authenticates the customer accessed through an online web page for real-time movable property loan Perform authentication approval/rejection based on information. The authentication information may be a customer ID and password, a certificate, a certificate password, etc. for the customer to access (login) the financial institution (bank) server 100 .

In addition, it further includes a separate communication unit 110, the communication unit 110 is connected to the Internet network through a wired or wireless interface and performs a data transmission and reception function for the mortgage loan. The web page provides a bank site and Internet banking service through the Internet, and may provide periodic or aperiodic security program/version updates for safe communication with customers.

The contract management unit 130 includes a loan examination unit 131, and the loan examination unit 131 reviews and reflects the evaluation results of the movable property collateral appraisal unit 140 to approve or adjust whether a loan contract with the customer is made. . Of course, in addition to the result of the appraised value, various factors such as various information such as existing transaction history, credit rating, and illegal matters may be reflected together.

The movable property security appraisal unit 140 includes a movable property security information confirmation unit 141 and a movable property collateral value evaluation unit 143 . Accordingly, the information on the movable property secured loan is provided through the web page, the movable property is provided as collateral from the customer, and the movable property secured loan application for loaning the funds corresponding to the collateral is received. At this time, the movable property collateral information confirmation unit 141 receives the type of movable property (goods), inventory, transaction receipt, standard market price (unit price) information, and logistics information.

And, when the amount of collateral loan for the received movable property is determined, it is notified to the applicant and the contract is completed by performing the movable property security registration. At this time, the financial institution server 100 transfers the movable property secured loan amount determined upon completion of the movable property secured loan contract to the applicant's account, and may acquire a lien / pledge on the secured movable property or a trust according to a trust relationship.

At this time, for the management, utilization, and disposal of the movable property security, the movable property security management unit or movable property management institution may secure the aforementioned lien, pledge or right to dispose of consignment from the financial institution through a contract. In order to proceed with such an agreement, a separate review step may be taken, and if necessary, the Financial Supervisory Service or a separately established trust corporation may be used.

The movable property security management unit is provided as a movable property security management institution, which is a separate entity contracted with the financial institution, to manage, use and dispose of the movable property security, and if the applicant for the movable property security loan fails to repay after the repayment period has arrived It has the authority to dispose of the above movable property security.

Therefore, the movable property security management unit is provided as a separate institution, corporation, or natural person (individual, individual business operator) different from the financial institution, and the movable property security management institution server 200 connected to the financial institution and the control unit 300 or a separate server ) has Of course, the movable property security management institution server 200 is interlocked with the financial institution server 100, and if necessary, the controlling and managing subject of the movable property security management institution server 200 may be the financial institution.

In addition, the data transmitted/received from the financial institution server 100 and the movable property security management institution server 200 can be converted into a database through the separate control unit 300 and the database management unit 400, and various acquired information , the data can be processed or learned and utilized. In other words, it will be possible to learn information using smart learning and deep learning technology and to predict and prepare for the situation of the user or applicant, the degree of risk that may occur, and problems.

The movable property security management institution concludes a trust contract, lien, or pledge contract with the financial institution with respect to the movable property security, and, if necessary, may pay the financial institution the amount obtained by selling the movable property security online.

In addition, the movable property security management institution may first secure ownership or proceed with seizure, auction processing, etc. in order to sell the movable property security, and the sold amount is first held by the movable property security management organization, and then according to the review and confirmation You can also make payments to financial institutions.

The movable property security management unit may include the movable property security appraisal unit 140 if necessary to provide and utilize the calculated value of the movable property security to the financial institution. That is, since the value evaluation of the movable property collateral is directly performed by the movable property security management institution contracted with the financial institution, the financial institution can reduce the burden on the valuation and increase work efficiency.

In order to evaluate the value, it can be judged by referring to the applicant's submitted documents, checking the status of movable property collateral, brand, year, size, color, and related information, as well as the standard market price information provided in advance, the applicant's loan information, and arrears information.

In addition, the movable movable collateral appraisal unit 140 calculates the value of the provided collateral movable, and differentially determines the movable property secured loan according to a certain ratio of the assessed value of the item in consideration of the creditworthiness of the applicant. ) and a credit evaluation unit (not shown).

The value appraisal unit 143 performs the collateral appraisal procedure of the provided collateral moving property, but can be appraised by receiving a certified appraisal through an independent appraiser or can calculate the appraisal amount of the item based on the recent transaction details (market price). . Of course, depending on the type of movable property secured by the applicant, a separate appraisal process may be carried out to secure expertise.

For example, if the collateral for movable property is intellectual property rights (patents, trademarks, etc.), you can refer to the value appraisal of a patent attorney or patent firm. It can be selected by selection or by collecting the opinions of experts.

If necessary, information on arrears of tax due to the applicant's national/duty/local tax, loan information received through financial institutions, default information determined as default by financial institutions and court judgments, and guarantee information with guarantees for others and at least one or more of the relevant bank transaction performance grade, etc. may be considered.

According to the result of the value assessment by the movable property collateral appraisal unit 140, the contract management unit 130 or the customer authentication unit 120 upgrades the transaction performance grade of the applicant when the loan is normally repaid according to the movable property secured loan contract. Or, if the loan repayment date according to the above contract is exceeded, the credit rating may be reflected by downgrading the applicant's transaction performance rating.

The movable property security management institution entrusts and manages the movable property security, but it can manage by providing a separate warehouse and storage place, and uses a three-dimensional management system for efficient management. In addition, by using an OCR (optical character reader) or QR code, the inventory of the movable property collateral is accurately identified and managed in real time, and the acquired data can be transmitted to the financial institution or stored, processed, and utilized through a separate server. .

4 is an exemplary image of a 3D system used by the movable property security management institution according to the present invention for the management of collateral as described above, for example, by implementing a 3D warehouse in the same way as the warehouse in which the goods are actually stored, where the goods are currently located. It is a program that allows you to know how many there are in real time without going to the warehouse. When the administrator clicks on the item on the shelf (red box in Fig. 4) of the movable property collateral that needs to be confirmed, the current information of the clicked item is provided.

Such a 3D management program enables immediate identification, confirmation, and reporting using a computer in the office or a worker's tablet, and can provide information to various people through a cloud server when necessary. In addition, augmented reality and virtual reality functions may be included to check realistic warehouse, storage location status, and movable property collateral.

Summarizing the characteristics of the system according to the present invention, if necessary, the movable property collateral management institution, not a financial institution, grasps information on movable property collateral that was performed by a conventional financial institution (bank) and evaluates the value of the collateral. This can be done instead, and the collateral is stored and managed in the warehouse of the movable property collateral management organization (trustee).

In addition, from the moment the loan repayment date passes, the sale of movable property collateral is automatically performed in the online system, and the direction of sale, settlement and distribution, etc. can be carried out according to a preset contract. It can be deposited into the institution's account. Through this, it is possible to lower the risk of financial institutions, increase work efficiency, and secure the management safety and reliability of collateral for movable property.

The movable property mortgage loan method of a financial institution (bank) according to the present invention includes the steps of signing up and confirming a member's movable property secured loan (S100), receiving and verifying movable property information (S200), and appraising the value of the movable property security (S200) S300), a step of determining loan approval and loanable amount based on the assessed value (S400), and a loan approval decision step (S500).

Of course, in addition to the above-described process, detailed additional processes and steps may be further included, and if necessary, the steps may be changed, added or omitted. The movable property mortgage loan method according to the present invention further includes the steps of entrusting and delegating the movable property security to a movable property security management institution (S600, S650).

Therefore, unlike the conventional financial institution directly managing movable property collateral, a separate movable property security management institution selected through a contract with a financial institution can manage, utilize, and dispose of the movable property security. Through this, financial institutions can reduce the risk of collateral for movable property itself, and the difficulty of disposal and management.

In addition, after entrusting the movable property security to the movable property security management institution, the movable property security is managed using OCR or QR code and a three-dimensional system and includes the step (S660) of providing real-time information, the applicant is the loan repayment period Step (S700) of confirming this if it is not repaid even if this arrives, accordingly, if necessary, the movable property security management institution reviews and disposes of the entrusted movable property security (S800, S900) and the disposed movable property security and transferring the amount of to the financial institution (S1000).

The movable property management institution may enter into a trust contract, lien, or pledge contract with the financial institution with respect to the movable property security, and pay the amount sold online to dispose of the movable property security to the financial institution.

The movable property security management institution may provide and utilize the calculated value of the movable property security to the financial institution if necessary, and to evaluate the value, the applicant's submitted documents, the status of the movable property security, brand, year, size, color, and It can be judged by referring to related information, standard market price information provided in advance, loan information of the applicant, and arrears information.

The movable property security management institution uses a system for managing the movable property security in three dimensions, but accurately manages the inventory of the movable property security in real time by using OCR or QR code, and the acquired data is transmitted to the financial institution or a separate server can be stored, processed, and utilized.

transmitting, by the movable property security management institution, inventory information, current location information, and processing status information of the movable property security to the financial institution and the movable property owner; and the financial institution and the movable property security owner reviewing and confirming the received information and data It is possible to prevent disputes and problems when managing, utilizing, processing, and disposing of the movable property security by further comprising the step of:

2 is a view showing the basic sequence of the collateral loan method according to the present invention, the product information confirmation step (S10), the product value evaluation step (S20), the loan approval step (S30), the movable property security management step (S40) and the US At the time of repayment, it includes a movable collateral sale step (S50).

Figure 3 shows the detailed sequence of the movable property mortgage loan method according to the present invention, as described above, the member registration and authentication step (S100), the movable property security information reception and confirmation step (S200) the movable property security value appraisal step (S300), It includes a loanable amount calculation step (S400), a loan approval decision step (S500), a loan contract and a collateral management contract step (S600), and a separate movable property security management institution contracted according to the security management contract entrusts movable property security ( S650) and managing the movable collateral as a separate 3D program (S660).

At this time, after the loan repayment period arrives, it is checked whether the applicant has repaid the loan (S700), and in case of non-repayment, the movable property security management institution or financial institution reviews the disposition and processing of the movable property security (S800), and sells the movable property security online and (S900), and processing the amount according to the sale (S1000). Of course, the above steps may be added, subtracted, changed, or omitted, and additional processes may be included.

The present invention described above is not limited by the above-described embodiments and the accompanying drawings, and simple substitutions, modifications and changes within the technical spirit of the present invention will be apparent to those of ordinary skill in the art.

The movable property secured loan method and system according to the present invention can activate the operation of movable property secured loans by lowering the risk of financial institutions and enabling effective management of movable property collateral.

100: financial institution server 110: financial institution communication unit
120: customer authentication unit 121: member registration/management unit
130: contract management department 131: loan review department
140: movable property security analysis department 141: movable property security information confirmation department
143: movable property collateral valuation department 150: movable property collateral management agency contract department
200: movable property security management agency server 210: movable property security management agency communication department
220: inventory management unit 221: 3D management program
230: movable collateral processing unit 231: online sales department
250: financial institution contracting unit 300: control unit
400: D/B management department
S100: Membership registration/authentication step
S200: Information receiving/confirmation step of collateral for movable property
S300: Personal property collateral value appraisal stage
S400: Loanable amount calculation/adjustment step
S500: Loan approval decision step
S600: Loan contract / collateral management contract stage
S610: Loan execution stage
S650: Consignment/management stage of collateral for movable property
S660: Personal collateral management/DB construction phase
S700: Confirmation of repayment when the loan repayment period arrives
S710: Personal property collateral return step
S800: Personal property collateral processing/disposal review stage
S900: Online sale of movable property collateral
S1000: Payment processing stage

Claims (9)

In the movable property secured loan system of a financial institution (bank),
a customer authentication unit that performs customer membership registration and information management, and performs authentication approval and rejection based on customer authentication information accessed through a web page;
Collateral for movable movables to verify information and evaluate the value of collateral for movable property by including a value evaluation unit that calculates the value of collateral to be provided and a credit evaluation unit that differentially determines the loan amount for collateral collateral in accordance with a certain ratio of the assessed value of goods in consideration of the creditworthiness of the applicant emotion department;
Contract management department that conducts personal property-secured loan contracts and reviews;
a movable property security management unit for managing, utilizing and disposing of the movable property security; and
a communication unit performing a data transmission/reception function for a movable property loan in an Internet network through a wired or wireless interface; includes,
The web page provides a bank site and internet banking service, and periodically updates the security program, and the movable property security management unit is provided as a separate entity contracted with the financial institution to manage, use and dispose of the movable property security, , dispose of the movable property collateral if the applicant fails to repay after the repayment period has arrived;
The value evaluation unit refers to the applicant's national tax, customs, local tax arrears information, financial loan information, default information, guarantee information and financial transaction performance grade,
The movable property security management unit uses augmented reality and virtual reality functions for efficient real-time management of movable property collateral, but manages the inventory of the movable property security with OCR or QR code using the same 3D image system as the warehouse where the goods are stored, and confirms If you click on the shelf where the necessary movable property collateral is stored, information on the movable property collateral is provided, and the acquired data is transmitted to the financial institution or stored, processed and utilized through a separate server to predict and prepare for risks and problems. Moving property mortgage loan system, characterized in that.
According to claim 1,
The movable property security management unit concludes any one of a trust contract, a lien contract and a pledge contract with the financial institution with respect to the movable property security, and pays the financial institution the amount sold online to dispose of the movable property security A movable property secured loan system.
The method of claim 1,
The movable property security management unit can provide and utilize the calculated value of the movable property security to the financial institution, including the movable property security appraisal unit, if necessary, and to evaluate the value of the applicant's submitted documents, the status of the movable property security, brand, A movable property secured loan system, characterized in that it is judged by referring to the year, size, color, and related information, standard market price information provided in advance, loan information of the applicant, and arrears information.
delete [Claim 5] In the movable property loan method of a financial institution (bank) using the movable property secured loan system according to any one of claims 1 to 3,
Membership registration and confirmation step of the mortgage loan applicant;
appraising the value of the movable property collateral;
determining loan approval and loanable amount based on the appraised value;
entrusting and delegating the movable property security to a movable property security management institution;
managing the movable property collateral using OCR, QR code and a three-dimensional system and providing real-time information;
disposing of the movable property security entrusted by the movable property security management institution when the applicant does not repay the loan even when the loan repayment period arrives; and
transferring the disposable amount of the collateral for movable property to the financial institution; A personal property secured loan method, including.
6. The method of claim 5,
The movable property management institution concludes any one of a trust contract, lien contract, and pledge contract with the financial institution regarding the movable property security, and pays the financial institution the amount sold online to dispose of the movable property security Characteristics of movable property mortgage loan method.
6. The method of claim 5,
The movable property security management institution may provide and utilize the calculated value of the movable property security to the financial institution if necessary, and to evaluate the value, the applicant's submitted documents, the status of the movable property security, brand, year, size, color, and A movable property-secured loan method, characterized in that the judgment is made by referring to related information, standard market price information, the applicant's loan information, and arrears information.
6. The method of claim 5,
The movable property security management institution uses a system for managing the movable property security in three dimensions, but accurately manages the inventory of the movable property security in real time by using OCR or QR code, and the acquired data is transmitted to the financial institution or a separate server A movable property secured loan method, characterized in that it can be stored, processed, and utilized through.
9. The method of claim 8,
transmitting, by the movable property security management institution, inventory information, current location information, and processing status information of the movable property security to the financial institution and the movable property owner; and the financial institution and the movable property security owner reviewing and confirming the received information and data The movable property mortgage loan method, characterized in that it prevents disputes and problems during the management, utilization, processing, and disposal of the movable property security by further comprising the step of:

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