KR102382818B1 - Service providing medhot for supporting loan business of financial institutions based on applicaion and system therefor - Google Patents

Abstract

Disclosed are a method and system for providing an application-based service for supporting loan business of a financial institution. In accordance with the present invention, the service providing system, which is provided to perform a method of providing an application-based service for supporting loan business of a financial institution, includes: a user terminal proceeding with a membership procedure on a platform of the service providing system to support the loan business of the financial institution; a service providing server supporting the loan business of the financial institution by delivering loan provision-related information, which is necessary for supporting the loan business of the financial institution acquired from the user terminal, to the financial institution; and a financial institution server receiving the loan provision-related information from the service providing server to proceed with a loan procedure such that the user terminal can proceed with the loan business of the financial institution. Therefore, the present invention is capable of reducing a monetary accident related with a loan.

Description

Application-based service provision method and system for supporting loan business of financial institutions

The present invention relates to a method and system for providing an application-based service for supporting the loan business of a financial institution, and more particularly, a person in charge of supporting the loan business and can check the progress of the loan business through the financial institution in real time It relates to a method and system for providing services related to the work of the user based on the application.

Basically, financial institutions provide various types of loan services such as secured loans, credit loans, and jeonse loans. In detail, the types of loan services may be divided into separate conditions or benefits of each type of loan service. In particular, in the case of a secured loan, conditions related to a loan using an object such as real estate as collateral may be set in advance, and there may be a representative real estate secured loan through which the loan is performed.

Such real estate-secured loans are for loan applicants who wish to borrow may be) may visit a financial institution such as a bank that provides a loan service, and may receive a result of whether the loan is approved or not from the financial institution.

After that, if a financial institution can provide a loan service to a loan applicant using the real estate presented by the loan applicant as collateral, the financial institution formally approves the loan and provides detailed loan conditions (for example, through a loan) Loan service can be provided to borrowers based on the amount and repayment period).

On the other hand, a real estate mortgage loan may be generated when a loan is made using real estate as collateral according to the need of a 'buyer' in the course of a real estate transaction in general. In the process of real estate mortgage loan, a person in charge who supports the business of a financial institution that provides a real estate mortgage loan service (eg, a 'lawyer' who can support registration business) intervenes. At this time, the person in charge communicates directly with the person in charge of the real estate mortgage loan service at the financial institution through wire, etc., and provides the real estate mortgage loan service and real estate transaction service of the 'buyer'.

However, the person in charge of the real estate mortgage loan service at the current financial institution is in a situation where they have to carry out not only loan-related tasks but also the basic tasks that are actually in charge of the financial institution at the same time. There is a problem that there is no system for the person in charge to provide.

In particular, in the process of real estate mortgage loan service and real estate transaction service being provided in financial institutions, it is difficult for the person in charge of the financial institution to directly visit the site, and it is difficult to contact and manage the site simply through wire or text message. There is always a problem with the risk that the same various accidents may occur.

In addition, from the point of view of financial institutions, in the absence of a separate system to directly manage the person in charge, such as a 'lawyer' who can support the registration work, the person in charge can provide cash, etc. There is a possibility that a financial accident may occur in a situation that must be delivered directly, and there is a difficulty in providing a method to solve this.

An object of the present invention to solve the above problems is a method of providing a service related to the work of the person in charge supporting the loan business in real time, and a method of providing a service based on an application, which can check the progress of the loan business conducted through a financial institution in real time, and to provide a system. However, the technical problem to be achieved by an embodiment of the present invention is not limited to the technical problem as described above, and other technical problems may exist.

To achieve the above object, an application-based service providing system for supporting loan business of a financial institution according to an embodiment of the present invention for achieving the above object is a user who supports the loan business of a financial institution by registering as a member to the platform of the service providing system A terminal, a service providing server that supports the loan business of the financial institution by transmitting payment information related to the payment of a loan required to support the loan business of the financial institution obtained from the user terminal to the financial institution, and the service providing server and a financial institution server that receives payment information and performs a loan procedure so that the loan business of the financial institution is performed in the user terminal.

Here, the service providing server receives the loan information generated according to the occurrence of the loan from the financial institution server, transmits the received loan information to the user terminal, and transmits the loan information from the user terminal to the loan information It may request registration of the corresponding payment information.

Here, the loan information may include identification information given to identify the loan business, information about the borrower who applied for the loan, information on the amount of money requested for the loan, and information on the date on which the loan is executed.

Here, the payment information may include at least one of information related to the borrower and the party through the loan corresponding to the loan information, information on the amount paid to the borrower and the party, and repayment information proceeding through the loan. there is.

Here, the service providing server provides an interface used to input each item included in the payment information through the application executed in the user terminal, and information on each item included in the payment information may be transmitted to the financial institution server.

Here, the service providing server receives a payment request for an item for an amount required to be paid according to the payment information in the loan from the user terminal, and transmits the received payment request to the financial institution server to receive the payment request. You may request payment of an item for an amount.

Here, the service providing server may request the user terminal to perform a preset authentication procedure as a condition for transmitting a request for payment of an item for an amount required to be paid according to the payment information from the user terminal.

Here, the preset authentication procedure means a procedure for authenticating whether the necessary fact for the transfer of the amount required to be paid, and may be one of an image authentication procedure and a location authentication procedure for authenticating whether the necessary fact is required.

Here, when the financial institution server receives a request for payment of an item for an amount required to be paid according to the payment information received from the service providing server, the financial institution server associates the loan with an amount corresponding to the received payment request in the loan amount Thus, it is possible to transfer based on the previously registered account information.

Here, when the payment is completed according to the payment information, the service providing server verifies whether the registration information related to the registration of the loan received from the user terminal and the setting information related to the setting are true, and based on the verification result It is possible to determine whether to transmit the received registration information and setting information to the financial institution server.

According to the present invention, the person in charge of the financial institution is in direct contact with the person in charge supporting the loan business of the financial institution (for example, a 'lawyer' who can support the registration business, etc.) It has the effect of being able to check the progress of the loan business in real time without having to meet in person or offline.

In addition, according to the present invention, as the loan money paid according to the loan generated by the financial institution is not paid in advance in the process of being used, and the loan is paid at the required time, it is possible to prevent financial accidents related to the loan in advance There is an effect that can reduce the risk of financial accidents by reducing the time that the person in charge of supporting the loan business of a financial institution withdraws the loan directly and holds it.

1 is a conceptual diagram illustrating an application-based service providing system for supporting a loan business of a financial institution according to an embodiment of the present invention.
2 is a block diagram illustrating a service providing apparatus for performing an application-based service providing method for supporting a loan business of a financial institution according to an embodiment of the present invention.
3 is a flowchart illustrating an application-based service providing method for supporting a loan business of a financial institution according to an embodiment of the present invention.
4 is a flowchart illustrating a method of performing an authentication procedure in an application-based service providing method for supporting a loan business of a financial institution according to an embodiment of the present invention.
5 is a flowchart illustrating a method of transmitting registration information in an application-based service providing method for supporting a loan business of a financial institution according to an embodiment of the present invention.
6 is a flowchart illustrating a method of transmitting setting information in an application-based service providing method for supporting a loan business of a financial institution according to an embodiment of the present invention.
7 is a conceptual diagram illustrating a movement path of information described in a method for providing an application-based service for supporting a loan business of a financial institution according to an embodiment of the present invention.

Since the present invention can have various changes and can have various embodiments, specific embodiments are illustrated in the drawings and described in detail. However, this is not intended to limit the present invention to specific embodiments, and it should be understood to include all modifications, equivalents and substitutes included in the spirit and scope of the present invention.

Terms such as first, second, etc. may be used to describe various elements, but the elements should not be limited by the terms. The above terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, a first component may be referred to as a second component, and similarly, a second component may also be referred to as a first component. The term “and/or” includes a combination of a plurality of related listed items or any of a plurality of related listed items.

When an element is referred to as being “connected” or “connected” to another element, it is understood that it may be directly connected or connected to the other element, but other elements may exist in between. it should be On the other hand, when it is said that a certain element is "directly connected" or "directly connected" to another element, it should be understood that the other element does not exist in the middle.

The terms used in the present application are only used to describe specific embodiments, and are not intended to limit the present invention. The singular expression includes the plural expression unless the context clearly dictates otherwise. In the present application, terms such as “comprise” or “have” are intended to designate that a feature, number, step, operation, component, part, or combination thereof described in the specification exists, but one or more other features It should be understood that this does not preclude the existence or addition of numbers, steps, operations, components, parts, or combinations thereof.

In this regard, the terms "about," "substantially," and the like, to the extent used throughout the specification are used in a sense at or close to the numerical value when the manufacturing and material tolerances inherent in the stated meaning are presented; It is used to prevent an unconscionable infringer from using the disclosure in which precise or absolute figures are mentioned to help the understanding of the invention. As used throughout the specification of the present invention, the term “step for (to)” or “step for” does not mean “step for”.

In this specification, a "part" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. In addition, one unit may be implemented using two or more hardware, and two or more units may be implemented by one hardware.

Some of the operations or functions described as being performed by the terminal, apparatus, or device in the present specification may be performed instead of by a server connected to the terminal, apparatus, or device. Similarly, some of the operations or functions described as being performed by the server may also be performed in a terminal, apparatus, or device connected to the server.

Unless defined otherwise, all terms used herein, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in a commonly used dictionary should be interpreted as having a meaning consistent with the meaning in the context of the related art, and should not be interpreted in an ideal or excessively formal meaning unless explicitly defined in the present application. does not

Hereinafter, preferred embodiments of the present invention will be described in more detail with reference to the accompanying drawings. In describing the present invention, in order to facilitate the overall understanding, the same reference numerals are used for the same components in the drawings, and duplicate descriptions of the same components are omitted.

1 is a conceptual diagram illustrating an application-based service providing system for loan business support of a financial institution according to an embodiment of the present invention.

Referring to FIG. 1 , an application-based service providing system for supporting loan business of a financial institution according to an embodiment of the present invention includes a user terminal 100 , a service providing server 200 , and a financial institution server 300 . The service providing method may be performed through communication-based interworking between the user terminal 100 , the service providing server 200 , and the financial institution server 300 .

Specifically, the user terminal 100 may mean a terminal of a user who has the authority to support a loan business of a financial institution, and the terminal includes a communicable smart phone for installation and execution of applications and may refer to the same device. In particular, the user may refer to a user who has the authority to support the loan business of the financial institution through a contract with the financial institution in advance. For example, the user may mean a user who performs a role such as a lawyer capable of performing registration work related to a loan business.

As such, the user of the user terminal 100 may proceed with membership registration with the platform provided by the service providing server 200 , and when membership registration is complete, use the service related to the platform provided by the service providing server 200 . can At this time, the service providing server 200 may proceed with the authentication procedure for the user's service use based on a policy set in advance for the user of the user terminal 100, and based on the result of the authentication procedure, the service for the user's member You may authorize its use and provision.

Also, the service providing server 200 may refer to a device capable of providing a platform related to the service providing system and operating or managing the corresponding platform. For example, the platform may serve to provide an application accessible through installation and execution in an online website accessible through communication or in the user terminal 100 .

In addition, the service providing server 200 receives information generated in the process of supporting a loan business of a financial institution in the user terminal 100 from the user terminal 100 and transmits it to the financial institution server 300 or the user terminal 100 ) in the process of supporting the loan business of the financial institution may acquire information necessary from the financial institution server 300 and transmit it to the user terminal 100 .

In addition, the financial institution server 300 may mean a device that operates or manages a loan business in a financial institution where a loan is issued, and transmits information related to the business related to the generated loan to the service providing server 200 to provide financial You can proceed with or support the institution's loan business. For example, the financial institution server 300 may transmit necessary information to the user terminal 100 through the service providing server 200 so that the user terminal 100 can perform various tasks related to the loan business.

As described above, the user terminal 100, the service providing server 200, and the financial institution server 300 included in the application-based service providing system for supporting loan business of a financial institution according to an embodiment of the present invention communicate with each other. base, and through this, it is possible to transmit or receive information necessary or required to perform a service provision method.

At this time, the service providing server 200 and the financial institution server 300 are redundant methods having a separate path rather than a path used for communication between a financial institution and an external institution for the security and stability of information related to the loan business of the financial institution. can perform communication based on , and thereby, the security of communication and the stability of communication between the service providing server 200 and the financial institution server 300 can be guaranteed.

2 is a block diagram illustrating a service providing apparatus for performing an application-based service providing method for supporting a loan business of a financial institution according to an embodiment of the present invention.

Referring to FIG. 2 , a service providing apparatus 400 performing an application-based service providing method for supporting loan business of a financial institution according to an embodiment of the present invention is a user terminal described with reference to FIGS. 1 to 3 . ( 100 ), the service providing server 200 , and the financial institution server 300 .

However, it may be preferable to refer to the service providing server 200 that relatively actively performs the application-based service providing method for supporting the loan business of a financial institution according to an embodiment of the present invention.

Specifically, the service providing apparatus 400 includes at least one processor 410 and a memory 420 for storing instructions instructing the at least one processor to perform at least one step. can do.

Here, the at least one processor 410 includes a central processing unit (CPU), a graphics processing unit (GPU), or a dedicated processor on which methods according to embodiments of the present invention are performed. can mean Each of the memory 420 and the storage device 460 may be configured as at least one of a volatile storage medium and a non-volatile storage medium. For example, the memory 420 may be configured as at least one of a read only memory (ROM) and a random access memory (RAM).

Also, the service providing apparatus 400 may include a transceiver 430 that performs communication through a wireless network. Also, the service providing device 400 may further include an input interface device 440 , an output interface device 450 , and a storage device 460 . Each of the components included in the service providing apparatus 400 may be connected by a bus 470 to communicate with each other.

Here, the at least one step may mean a step related to the method for providing an application-based service for supporting a loan business of a financial institution according to an embodiment of the present invention, and more specifically, performed by the service providing apparatus 400 . It may include steps related to the method of operation.

Hereinafter, an embodiment of the present invention in the user terminal 100 , the service providing server 200 and the financial institution server 300 described with reference to FIG. 1 and the service providing apparatus 400 described with reference to FIG. 2 . A specific process in which the method for providing an application-based service for supporting a loan business of a financial institution according to FIG. 3 is performed may be described in more detail with reference to FIGS. 3 to 7 .

3 is a flowchart illustrating an application-based service providing method for supporting a loan business of a financial institution according to an embodiment of the present invention.

Referring to FIG. 3 , an application-based service providing method for loan business support of a financial institution according to an embodiment of the present invention is described with reference to FIG. 1 by the user terminal 100 , the service providing server 200 , and the financial institution. It may be performed by the institution server 300 and the service providing apparatus 400 described with reference to FIG. 2 , and in more detail, it may be performed through the leading role of the service providing server 200 .

First, a loan applicant (eg, a borrower, etc.) who desires a loan may visit a financial institution, and may apply for a loan to the financial institution by the loan applicant. Thereafter, the financial institution may determine whether to approve the loan applied by the borrower through its own examination or the like.

At this time, when it is determined that the loan for the loan applicant is approved by the financial institution, the financial institution server 300 may generate a loan event for the loan applicant ( S310 ).

Specifically, the financial institution server 300 may generate information related to a loan event, and the information related to the generated loan event may be stored as a storage means or storage medium (eg, database, memory, etc.) of the financial institution server. ) can be stored in

For example, information related to a loan case may include identification information (eg, credit application number, etc.) given to identify a loan operation (ie, it may mean a 'loan event'), and the borrower who applied for the loan. name of the borrower, the borrower's account number, the amount for which the loan was applied, the information of the object on which the loan is based (for example, in the case of real estate, the address of the real estate, etc.), the date the loan is executed (i.e., the date), and information on the party associated with the borrower through the loan (eg, information such as names or account numbers of parties such as sellers and lessors).

Thereafter, the financial institution server 300 may generate loan information related to the loan event. In this case, the financial institution server 300 may generate loan information to be transmitted to the user terminal 100 and the service providing server 200 by selectively using a plurality of items included in the information related to the loan event. For example, the loan information generated by the financial institution server 300 may include identification information given to identify a loan business, information about the borrower who applied for a loan, information about the amount of money requested for a loan, and date information on which the loan is executed. can

Also, the loan information related to the loan event may further include product information of the loan, and the product information of the loan may mean the type of the loan product set by the financial institution. For example, the product information of the loan is the first product type, which is a loan that can occur when there is a real estate transaction such as 'sale', or 'self-collateral', which can occur when there is no real estate transaction. It may include a second product type that is a loan, a third product type that is a loan that may be generated when there is no real estate collateral such as 'Jeonse', and the like.

Additionally, the financial institution server 300 is responsible for the loan case in the process of generating loan information related to the loan case (eg, in charge of the loan case through a contract relationship with the financial institution in advance to support registration work, etc.) It can mean a user such as a lawyer, etc.) can be specified. Thereafter, the financial institution server 300 may check information on the person in charge of the loan case, and may set the checked information on the person in charge to be transmitted to the service providing server together with the loan information of the loan case.

Here, the information on the person in charge may mean one of the personal information of the person in charge (eg, name, resident registration number and phone number, etc.) and business information (company name, business registration number, name of the representative of the business to which he belongs). In more detail, it may be at least one item among a plurality of items included in the corresponding information.

Thereafter, the financial institution server 300 may transmit the generated loan information to the service providing server 200 (S320).

Accordingly, the service providing server 200 may receive loan information from the financial institution server 300 . Thereafter, the service providing server 200 may check the loan information received from the financial institution server 300 . In addition, the service providing server 200 may check the information on the person in charge generated by the financial institution server 300 together with the loan information.

Thereafter, the service providing server 200 may specify a user in charge of a loan event corresponding to the loan information based on the information on the person in charge among a plurality of users registered in the platform of the service providing server 200 .

Thereafter, the service providing server 200 may transmit the loan information received from the service providing server 200 to the user terminal 100 , which is a terminal of the specified user, to the user terminal 100 ( S330 ).

Accordingly, the user terminal 100 may receive loan information from the service providing server 200 . Thereafter, the user of the user terminal 100 may check payment information based on the loan information received from the service providing server 200 . Here, the payment information may include information on at least one of information on a party linked through a loan to the borrower in correspondence with the loan information, information on the amount paid to the borrower and the party, and repayment information performed through the loan. Thereafter, the user terminal 100 may obtain payment information corresponding to the loan information through an input by the user of the user terminal 100 .

For example, the user of the user terminal 100 is an interface (for example, the user screen on the application, etc. ) can directly input payment information, and through this, the user terminal 100 can obtain payment information corresponding to loan information.

Thereafter, the user terminal 100 may transmit the payment information obtained through the user's input to the service providing server 200 (S340). Accordingly, the service providing server 200 may receive payment information corresponding to the loan information from the user terminal 100 . Thereafter, the service providing server 200 may verify the contents of each item included in the payment information based on the loan information.

Specifically, the service providing server 200 corresponds to the amount information and repayment information paid to the borrower and the party among the plurality of items included in the loan amount information and the payment information among the plurality of items included in the loan information. Verification can be performed through comparison between the amount information.

For example, the service providing server 200 may check whether the value of the amount information included in the loan information is the same as the value of the sum of the amount information and the repayment information included in the payment information. At this time, when the service providing server 200 has the same value of the amount information and the sum of the amount information and repayment information included in the payment information, payment information corresponding to the loan information is normally provided by the user of the user terminal 100 . can be considered received.

On the other hand, the service providing server 200 may determine that there is an error in the payment information when the value of the amount information and the sum of the amount information and the redemption information included in the payment information are not the same. In this case, the service providing server 200 may output that there is an error in the payment information corresponding to the loan information on the application executed in the user terminal 100, and may request a re-input of the payment information.

Thereafter, the service providing server 200 may transmit the received payment information corresponding to the loan information to the financial institution server 300 ( S350 ). Accordingly, the financial institution server 300 may receive payment information generated corresponding to the loan information from the service providing server 200 . Thereafter, the financial institution server 300 may support processing of the loan amount information corresponding to the loan information based on the received payment information.

In other words, the financial institution server 300 may specify the payment amount and the payment target so that the loan application amount can be paid based on each item included in the payment information, and the payment amount and the payment target are specified It can be set so that the payment can proceed in response to the request for payment.

For example, the financial institution server 300 may check the payment amount and the payment target based on each item included in the payment information. That is, the financial institution server 300 may check the information on the party linked to the borrower through the loan and information on the amount of money paid to the borrower corresponding to the loan information among a plurality of items included in the payment information.

Specifically, the financial institution server 300 may confirm that the amount to be paid to the seller is 50 million won and the amount to be paid to the borrower is 50 million won in a state in which the loan amount is 100 million won. In such a case, the financial institution server may set 50 million won of the 100 million won loan to be transferred to the seller's account so that it can be paid to the seller, and the remaining 50 million won will be transferred to the borrower's account so that it can be paid to the borrower. can be set to be

In this way, the financial institution server 300 may support processing of the loan amount information corresponding to the loan information based on the payment information received from the service providing server 200 .

On the other hand, the user terminal 100, which is a terminal of a user, which means a person in charge of supporting the payment of a loan of a financial institution through an application-based service providing method for supporting loan business of a financial institution according to an embodiment of the present invention may transmit a request for payment of an item for an amount required to be paid according to payment information in the loan to the service providing server 200 (S360).

Accordingly, the service providing server 200 may receive a payment request of an item for an amount required to be paid according to payment information in the loan amount from the user terminal 100 . Thereafter, the service providing server 200 may transmit the payment request received from the user terminal 100 to the financial institution server 300 to transmit the payment of an item for the amount required to be paid to the financial institution server 300 .

At this time, the service providing server 200 is a condition for transmitting from the user terminal 100 a request for payment of an item for the amount required to be paid in accordance with the payment information in the user terminal 100 or a financial condition in the service providing server 200 . It may be requested to perform a preset authentication procedure as a condition for transmitting the payment request to the institution server 300 .

That is, the service providing server 200 receives a request for payment of an item for an amount required to be paid according to the payment information in the loan from the user terminal 100, the payment request is required for payment of the received item. It may request the user terminal 100 to perform an authentication procedure.

Here, from the service providing server 200 to the financial institution server 300 or a condition for transmitting a payment request for an item for the amount required to be paid according to the payment information from the user terminal 100 or the service providing server 200 A specific method of requesting to perform a preset authentication procedure as a condition for transmitting a payment request may be described in more detail below with reference to FIG. 4 .

4 is a flowchart illustrating a method of performing an authentication procedure in an application-based service providing method for supporting a loan business of a financial institution according to an embodiment of the present invention.

Referring to FIG. 4 , the service providing server 200 performing the application-based service providing method for supporting loan business of a financial institution according to an embodiment of the present invention requires payment according to payment information through step S360. A request for payment of an item for an amount may be received from the user terminal 100 .

Thereafter, the service providing server 200 may request the user terminal 100 for a preset authentication procedure in order to transmit a payment request for an item for the amount required to be paid according to the payment information to the financial institution server 300 ( S361).

In this case, the preset authentication procedure may be illustrated and described as being performed after receiving a payment request from the user terminal 100 , but may not necessarily be limited thereto. That is, the preset authentication procedure may be preset as a condition for transmitting the payment request from the user terminal 100 to the service providing server 200, and after performing the corresponding authentication procedure in advance, the payment request is transmitted to the service providing server 200 ) can also be transmitted.

In addition, the preset authentication procedure may refer to a procedure for authenticating whether there is a need for a transfer of an amount required to be paid. Specifically, the preset authentication procedure may be one of an image authentication procedure and a location authentication procedure for authenticating whether a necessary fact is required.

For example, when the product information of the loan is a first product type that is a loan that can be generated when a real estate transaction exists, such as 'sale', the service providing server 200 provides at least one party among the seller and the borrower. When a request for payment of the amount to be paid is received, registration of an image for the seller's seal certificate may be requested. In addition, when real estate supply or sale exists and it is impossible to register an image for the seller's seal certificate, registration of an image for a public money contract or a sale contract may be requested.

Thereafter, the user terminal 100 may acquire the requested image based on the authentication procedure. Thereafter, the user terminal 100 may perform a response to the authentication procedure requested by the service providing server 200 by transmitting the image obtained to the service providing server 200 to perform the response of the authentication procedure (S362) .

Thereafter, the service providing server 200 may receive an authentication response from the user terminal 100 . Thereafter, the service providing server 200 may check the image received through the authentication response of the user terminal 100 . Thereafter, the service providing server 200 may analyze the authentication response (S363).

Specifically, when the service providing server 200 receives the image of the seller's seal certificate from the user terminal 100, it analyzes the received image of the seller's seal certificate and included in the image for the seller's seal certificate. At least one of information on the name of the seller and information on the date of birth of the seller may be extracted.

Thereafter, the service providing server 200 extracts at least one of information on the name of the seller and the information on the date of birth of the seller, and information on the name of the seller received by the user terminal 100 and information on the date of birth of the seller at least one of them may be compared to each other.

Thereafter, the service providing server 200 extracts at least one of information on the name of the seller and the information on the date of birth of the seller, and information on the name of the seller received by the user terminal 100 and information on the date of birth of the seller If at least one of them is identical to each other, it may be determined that the response to the authentication procedure is normal.

On the other hand, the service providing server 200 is information about the seller's name and the seller's date of birth received by the user terminal 100 and at least one of the extracted information about the seller's name and the seller's date of birth. In case they are not the same, it can be determined that the response to the authentication procedure is not normal.

In this case, although not shown in FIG. 4 , the service providing server 200 may request that the user terminal 100 perform authentication again. That is, the service providing server 200 may request confirmation of the image of the seller's seal certificate, the information on the seller's name received by the user terminal 100, and the information on the seller's date of birth.

On the other hand, when the service providing server 200 receives a request for payment for an amount to be paid (eg, a repayment amount) based on repayment information performed through a loan, the location of the financial institution performing repayment You can request information. That is, when the service providing server 200 receives a request for payment of the repayment amount from the user terminal 100 , the proximity between the location of the user terminal 100 and the location of the financial institution that performs repayment to the user terminal 100 . You may ask for confirmation as to whether or not

Thereafter, the user terminal 100 may check information on the location of the user terminal 100 in a location close to the location of the financial institution in which the redemption proceeds, and provide information on the location of the confirmed user terminal 100 as a service It can be transmitted to the server 200 . For example, the user terminal 100 is based on a function that can obtain information about the location of the user terminal 100 (eg, a function that can obtain information about the location, such as a GPS function, etc.) Information on the location of the user terminal 100 may be obtained.

Here, the information on the location obtained by the user terminal 100 is information on the location of the user terminal 100 on the map for a preset radius based on the user terminal 100 and the location of the financial institution that performs the repayment. may include information about That is, the user terminal 100 may output the location of the user terminal 100 output on the map, and the service providing server is within a preset radius based on the location of the user terminal 100 output on the map. A financial institution may be searched for, and the location of the searched financial institution may be supported to be output on a map.

Through this, the user terminal 100 obtains information on the location of the user terminal 100 output on the map and information on the location of the financial institution existing within a preset radius based on the location of the user terminal 100. and may transmit the obtained information on the location of the user terminal 100 and the location of the financial institution to the service providing server 200 .

Thereafter, the service providing server 200 pays the amount to be paid (eg, redemption money) based on the redemption information based on the obtained information on the location of the user terminal 100 and the location of the financial institution It can be determined whether it is possible or not. For example, the service providing server 200 sets the distance between the location of the user terminal 100 and the location of the financial institution based on the information on the location of the user terminal 100 and the location of the financial institution in advance. If less than, it can be determined that the response to the authentication procedure is normal.

In other words, the service providing server 200 may check whether the user visits the financial institution in order to request payment of the repayment to the financial institution server so that the repayment amount in the loan can be paid to the user of the user terminal 100 , and for this purpose Information on the location of the user terminal 100 and information on the location of the financial institution may be checked.

Through this method, the service providing server 200 may analyze the authentication response of the user terminal 100 and determine whether authentication is successful based on the analysis result. That is, when it is determined that authentication in the user terminal 100 is not successful, the service providing server 200 may request the user terminal 100 to perform re-authentication. On the other hand, when it is determined that the authentication is successful, the service providing server 200 may request payment to the financial institution server 300 (S370).

Referring again to FIG. 3 , the financial institution server 300 performing the application-based service providing method for loan business support of a financial institution according to an embodiment of the present invention receives a payment request from the service providing server 200 . can do. Thereafter, the financial institution server 300 may proceed with payment based on information on the amount required to be paid in response to the payment request received from the service providing server 200 ( S380 ).

Specifically, the financial institution server 300 may receive a request for payment of an item for an amount required to be paid according to the payment information received from the service providing server 200 . Thereafter, the financial institution server 300 may transfer an amount corresponding to the received payment request based on account information previously registered in relation to the loan within the loan amount.

For example, when the amount required to be paid according to the payment information is the amount to be paid to the seller, the financial institution server 300 may transfer the amount based on an account previously registered to the seller's account.

Also, when the amount required to be paid according to the payment information is the amount to be paid to the borrower, the financial institution server 300 may transfer the amount based on an account previously registered to the borrower's account.

In addition, when the amount required to be paid according to the payment information is the amount to be paid as a repayment, the financial institution server 300 transfers the amount based on the account previously registered to the user's account of the user terminal 100 . can

In this case, when the loan payment is completed based on each item included in the payment information, the financial institution server 300 may transmit the fact that the transfer of the amount according to each item is completed to the service providing server 200 . Through this, the service providing server 200 may recognize the fact that the transfer of the amount according to each item included in the payment information has been completed, and transmit this fact to the user terminal 100 .

Additionally, if there is an amount paid to the user of the user terminal 100 for redemption among each item included in the payment information, the service providing server 200 is the amount paid to the user of the user terminal 100 Corresponding supporting information may be requested (for example, it may mean a reimbursement receipt capable of proving that the reimbursement has been completed, etc.).

Specifically, the service providing server 200 may support to register the evidence information in the user terminal 100 by outputting a region in which the evidence information can be registered on the interface of the application executed in the user terminal 100 . Thereafter, when the proof information is registered through the corresponding area output on the interface of the application, the user terminal 100 may transmit the registered proof information to the service providing server 200 .

Thereafter, the service providing server 200 may analyze the consistency of the evidence information received from the user terminal 100 . For example, when the proof information received from the user terminal 100 is a redemption receipt, the service providing server 200 provides text information related to the name of the financial institution included in the redemption receipt and text information related to the amount of the redemption proceeded. can be extracted.

Thereafter, the service providing server 200 may check information on the name of the financial institution in which the redemption is performed and information on the amount to be reimbursed from the redemption information included in the payment information. Thereafter, the service providing server 200 includes text information related to the name of the financial institution included in the redemption receipt and text information related to the amount for which the redemption has been made and information on the name of the financial institution where the redemption is proceeding from the text information and redemption information. Information about the amount to be can be compared with each other.

Thereafter, when it is determined that the financial institution and the amount are the same based on the comparison result, the service providing server 200 may determine that the content of the evidence information is correct. On the other hand, when it is determined that the financial institution and the amount are not the same based on the comparison result, the service providing server 200 may determine that the content of the evidence information is not accurate.

As such, when it is determined that the content of the evidence information is not accurate, the service providing server 200 may request the user terminal 100 to proceed with the registration of the evidence information again. Thereafter, when it is determined that the content of the proof information is correct, the service providing server 200 may determine that the payment of the loan prepared for payment in the financial institution is complete.

On the other hand, the service providing server 200 for performing the application-based service providing method for loan business support of a financial institution according to an embodiment of the present invention, when the payment is completed according to the payment information, from the user terminal 100 It is possible to verify whether the registration information related to the registration of the received loan and the setting information related to the setting are true. Thereafter, the service providing server 200 may determine whether to transmit the received registration information and setting information to the financial institution server based on the verification result.

Here, the service providing server 200 verifies whether the registration information related to the registration of the loan received from the user terminal 100 and the setting information related to the setting are true, and based on the verification result, the received registration information and the setting information A specific method of determining whether to transmit the data to a financial institution server may be described in more detail below with reference to FIGS. 5 to 6 .

5 is a flowchart illustrating a method of transmitting registration information in an application-based service providing method for supporting a loan business of a financial institution according to an embodiment of the present invention.

Referring to FIG. 5 , the user terminal 100 performing the application-based service providing method for supporting the loan business of a financial institution according to an embodiment of the present invention has registration information when all procedures related to the payment of a loan are completed. can be obtained.

That is, the user terminal 100 may output to the user an area in which registration information can be input to an interface on an application executed in the user terminal 100 , and may be obtained by receiving registration information through the corresponding area. Thereafter, the user terminal 100 may transmit the obtained registration information to the service providing server 200 (S510).

Here, the registration information may refer to information related to registration of a loan proceeded through a financial institution. Specifically, the registration information may include registration document information and registration number information. For example, the registration document information may include information on the image of the registration receipt and information on the name of the registry. In addition, the registration number information may include a set receipt number and cancellation receipt number.

Thereafter, the service providing server 200 may analyze the registered information received from the user terminal 100 (S520). Here, the service providing server 200 may compare the contents of the registered document information included in the registration information and the contents of the registration number information with each other, and may analyze the accuracy of the registered information based on the comparison result.

For example, the service providing server 200 may extract text information related to the registration number from the contents of the registered document information. Thereafter, the service providing server 200 may compare the extracted text information related to the registered number and the text information related to the registered number included in the registered number information with each other.

Thereafter, when the service providing server 200 determines that the text information related to the registered number extracted based on the comparison result and the text information related to the registered number included in the registered number information are identical to each other, the content of the registered information is correct. can judge Thereafter, when it is determined that the contents of the registered information are correct, the service providing server 200 may transmit the registered information received from the user terminal 100 to the financial institution server 300 .

On the other hand, when the service providing server 200 determines that the text information related to the registered number extracted based on the comparison result and the text information related to the registered number included in the registered number information are not the same, the content of the registered information is may be judged to be inaccurate. Thereafter, the service providing server 200 may notify the user terminal 100 that the contents of the registered information are not accurate, and may request the correct registration of the registered information.

Thereafter, the financial institution server 300 may receive registration information from the service providing server 200 , and match the received registration information as registration information for a corresponding loan event and store it. For example, the financial institution server 300 may store and manage the loan event and registration information in a storage medium or storage means such as a database of the financial institution server 300 in a state in which the loan event and registration information are matched with each other.

6 is a flowchart illustrating a method of transmitting setting information in an application-based service providing method for supporting a loan business of a financial institution according to an embodiment of the present invention.

Referring to FIG. 6 , the user terminal 100 performing the application-based service providing method for loan business support of a financial institution according to an embodiment of the present invention is configured when all procedures related to setting for a loan are completed. information can be obtained.

That is, the user terminal 100 may output an area in which setting information can be input to the interface on the application executed in the user terminal 100 to the user, and may be obtained by receiving the setting information through the corresponding area. Thereafter, the user terminal 100 may transmit the obtained setting information to the service providing server 200 (S610).

Here, the setting information may mean information related to the setting of a root mortgage for the collateral of the loan. Specifically, the setting information may include contract information, right information, and certified copy information. For example, the contract information may refer to information about an image of a setting contract created between a financial institution and a borrower. In addition, the right information may refer to information about an image of a registered certificate (or, registered information, etc.) related to setting. In addition, the certified copy information may mean information about the image of the registered copy in which the details of setting or cancellation related to the loan can be confirmed.

Thereafter, the service providing server 200 may analyze the setting information received from the user terminal 100 (S620). Here, the service providing server 200 may compare the contents of the setting information included in the setting information and the contents of the registered information or the contents of the setting information and the contents of the loan information with each other, and analyze the accuracy of the setting information based on the comparison result can do.

For example, the service providing server 200 may extract text information related to the name of the borrower from the contents of a setting contract that may mean contract information. Thereafter, the service providing server 200 may compare the borrower's name according to the borrower information included in the loan information with the borrower's name according to the extracted text information.

Thereafter, when it is determined that the name of the borrower according to the borrower information included in the loan information and the name of the borrower according to the extracted text information are the same, the service providing server 200 may determine that the target of the setting contract is correct. . On the other hand, when it is determined that the name of the borrower according to the borrower information included in the loan information and the name of the borrower according to the extracted text information are not the same, the service providing server 200 determines that the subject of the setting contract is not correct. can judge

In addition, the service providing server 200 may extract text information related to the maximum amount of receivables from the contents of the setting contract. Thereafter, the service providing server 200 may compare the loan amount according to the amount information included in the loan information and the amount according to the text information related to the extracted maximum bond amount with each other.

Thereafter, when it is determined that the amount according to the text information related to the extracted maximum amount of the bond is greater than or equal to the loan amount according to the amount information included in the loan information, the service providing server 200 may determine that the content of the setting contract is accurate. On the other hand, when the service providing server 200 determines that the amount according to the text information related to the extracted maximum amount of the bond is less than the loan amount according to the amount information included in the loan information, it can be determined that the contents of the setting contract are not accurate. there is.

At this time, when it is determined that at least one of the information on the borrower of the setting contract and the information on the maximum amount of receivables is inaccurate, the service providing server 200 determines that the contract information that can mean the setting contract is not accurate. can judge

Meanwhile, the service providing server 200 may extract text information related to registration number information from the contents of the registration certificate, which may mean rights information. Thereafter, the service providing server 200 may compare registration number information according to the extracted text information and registration number information included in the registration information with each other.

Thereafter, when it is determined that the registration number information according to the extracted text information and the registration number information included in the registration information are identical to each other, the service providing server 200 may determine that the correct registration certificate is registered. On the other hand, when the service providing server 200 determines that the registration number information according to the extracted text information and the registration number information included in the registration information are not identical to each other, it can be determined that an inaccurate registration certificate is registered.

In addition, the service providing server 200 may extract text information related to the borrower's name, text information related to the registration receipt number, and text information related to the maximum amount of receivables from the contents of the registered copy, which may mean certified copy information. Thereafter, the service providing server 200 may compare the borrower's name according to the text information related to the borrower's name extracted from the registered copy and the borrower's name according to the borrower's information included in the loan information.

Thereafter, the service providing server 200 determines that the borrower's name according to the text information related to the borrower's name extracted from the contents of the registered copy and the borrower's name according to the borrower's information included in the loan information are identical to each other. It can be determined that the subject of the certified copy is accurate. On the other hand, when it is determined that the service providing server 200 is not the same as the borrower's name according to the text information related to the borrower's name extracted from the registered copy and the borrower's name according to the borrower's information included in the loan information , it may be judged that the subject of the registered copy is not accurate.

Thereafter, the service providing server 200 may compare the registration reception number according to the text information related to the registration reception number extracted from the contents of the registered copy and the steam reception number according to the registration information with each other.

After that, the service providing server 200, when the registration reception number according to the text information related to the registration reception number extracted from the contents of the registered copy and the steam reception number according to the registration information are the same, the registration reception number information of the registered copy is correct can be judged as On the other hand, when it is determined that the service providing server 200 is not the same as the registration reception number according to the text information related to the registration reception number extracted from the contents of the registered copy and the steam reception number according to the registration information, the registration of the registered copy It may be determined that the receipt number is incorrect.

Thereafter, the service providing server 200 may compare the maximum bond amount confirmed in the setting contract, which may mean setting information, with the maximum bond amount according to text information related to the extracted maximum bond amount with each other.

Thereafter, the service providing server 200 determines that the maximum bond amount confirmed in the setting contract, which can mean the maximum bond amount and setting information according to the text information related to the extracted maximum bond amount, is the same as each other, the set amount of the registered copy is can be judged to be accurate. On the other hand, when it is determined that the service providing server 200 is not the same as the maximum bond amount confirmed in the setting contract that can mean the maximum bond amount and setting information according to the text information related to the extracted maximum bond amount, the setting of a certified copy of the register The amount may be judged to be incorrect.

At this time, the service providing server 200 determines that at least one of the information about the borrower of the registered copy, the information on the registration receipt number, and the information on the maximum amount of the bond is inaccurate, the content of the registered copy is not accurate. can be judged not to be.

Meanwhile, when inaccurate information among contract information, right information, and certified copy information included in the setting information exists, the service providing server 200 may request the user terminal 100 to check the inaccurate information. Thereafter, the service providing server 200 transmits the setting information to the financial institution server 300 when it is determined that the contract information, the right information, and the certified copy information included in the setting information registered by the user terminal 100 are all correct. It can be (S630).

Thereafter, the financial institution server 300 may receive setting information from the service providing server 200 . Thereafter, the financial institution server 300 may match the setting information received from the service providing server 300 with the setting information for the loan case, and store the matched setting information in a storage medium such as a database of the financial institution server. I can store it in a storage means and manage it.

7 is a conceptual diagram illustrating a movement path of information described in a method for providing an application-based service for supporting a loan business of a financial institution according to an embodiment of the present invention.

Referring to FIG. 7 , a user terminal, a service providing server, and a financial institution server performing an application-based service providing method for supporting a loan business of a financial institution according to an embodiment of the present invention are illustrated with reference to FIGS. 1 to 6 , It may mean the described user terminal, service providing server, and financial institution server.

In particular, referring to FIG. 7 , information transmitted or received between the user terminal, the service providing server, and the financial institution server can be checked, and in more detail, detailed information included in each information can be checked. The information described in FIG. 7 may mean that detailed information included in each information is an example of representative information, and the detailed information described with reference to FIGS. 1 to 6 may be included.

Specifically, the service providing server may receive loan information from the financial institution server, and may transmit the received loan information to the user terminal.

In this case, the loan information may include identification information, borrower information, amount information, and date information. For example, the identification information may mean information used to classify a loan business or a loan event, and more specifically, may mean information such as a credit approval application number. In addition, the borrower information may mean information about the borrower, which may mean a customer who applied for a loan, and more specifically, may mean information such as a name and contact information.

In addition, the amount information may mean the amount applied for the loan, and more specifically, it may mean the expected amount to be executed, which may mean the amount scheduled to be paid at the time of application for the loan before execution, and the amount to be paid as the loan at the time of execution. It may mean information such as the amount of execution.

In addition, the date information may refer to information such as an execution date that may mean a date on which the loan is scheduled to be executed before the execution of the loan, and an execution date that may indicate a date on which the loan is executed. Also, the loan information may further include product information of the loan, and the product information of the loan may mean a type of loan product set by a financial institution.

Meanwhile, the service providing server may receive payment information corresponding to the loan information from the user terminal, and transmit the received payment information to the financial institution server.

In this case, the payment information may include party information, amount information, and redemption information. For example, the party information may refer to information about a party linked through a loan with a borrower corresponding to loan information, and more specifically, may refer to information about a party such as a seller or a lessor.

In addition, the amount information may refer to information about the amount paid to the borrower and the party. In addition, the repayment information may mean information on the details of repayment (or repayment, etc.) within the loan, and more specifically, information on the financial institution where repayment is being made, and the number of repayments in progress. It may mean information about the amount of information and repayment proceeding.

In addition, the service providing server may receive the registration information from the user terminal, and may transmit the received registration information to the financial institution server.

In this case, the registration information may include registration document information and registration number information. For example, the registration document information may mean information on the image of the registration receipt and information on the name of the registry. In addition, the registration number information may refer to information such as information on the set receipt number, the ownership transfer receipt number, and information on the cancellation receipt number.

In addition, the service providing server may receive the setting information from the user terminal, and may transmit the received setting information to the financial institution server.

In this case, the setting information may include contract information, right information, and certified copy information. For example, the contract information may refer to information on a setting contract, which may mean a contract related to setting up between a borrower who has applied for a loan and a financial institution. In addition, the right information may refer to information such as a registration certificate (or registered information, etc.), which may mean information on rights related to a setting that may occur due to a loan.

In addition, the certified copy information may mean information about the image of the registered copy that can confirm the setting or cancellation details related to the loan, and more specifically, information about the image of the registered copy that can confirm the setting or cancellation details related to the loan. It may refer to information such as a certified copy of a register that can be meaningful.

In this way, the information described with reference to FIG. 7 may be transmitted or received between the user terminal and the financial institution server through the service providing server, and in this process, the service providing server checks the accuracy of each information as necessary. analysis can be performed to Through this, the service providing server may perform verification so that accurate payment information, registration information, and setting information can be stored in the financial institution server.

On the other hand, according to an embodiment of the present invention, the service providing server performing the application-based service providing method for supporting the loan business of a financial institution according to an embodiment of the present invention communicates with the financial institution server in FIGS. 1 to 7 . Although it has been described as an example of being directly connected so as to transmit or receive information based on the , it may not necessarily be limited thereto.

That is, the service providing server may further include a device of a third user for managing a risk for a business of a financial institution that is not directly connected to the server of the financial institution. For example, a third-party user's device may be used by a company, such as an insurance company, that provides a service to manage risk and compensate for damage that may occur in relation to rights or accidents that may occur in relation to business related to financial institutions. It may mean a device such as a server.

In this case, the service providing server and the financial institution server may be connected to each other centering on the insurance institution server. Accordingly, for example, the service providing server may receive loan information generated by the financial institution server through the insurance institution server. In other words, the financial institution server may transmit loan information to the financial institution server, and may transmit loan information from the financial institution server to the service providing server.

Thereafter, the service providing server may receive loan information from the insurance institution server, and may transmit payment information, registration information, and setting information received from the user terminal to the insurance institution server. Thereafter, the insurance institution server may transmit payment information, registration information, and setting information received from the service providing server to the financial institution server.

In this case, the service providing server may directly transmit payment information, registration information, and setting information to the financial institution server at the same time while transmitting the payment information to the financial institution server. In other words, the service providing server may transmit payment information, registration information, and setting information to the financial institution server through the financial institution server, or may directly transmit the payment information to the financial institution server.

Meanwhile, even if an insurance institution server is additionally included between the service providing server and the financial institution server, the operations described with reference to FIGS. 1 to 7 performed in the user terminal, the service providing server, and the financial institution server may be performed similarly or identically. Also, depending on the existence of the insurance agency server, the subject to which information is transmitted or received may vary, but may not perform different operations.

The methods according to the present invention may be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the computer-readable medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the art of computer software.

Examples of computer-readable media may include hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions may include not only machine language codes such as those generated 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 described above may be configured to operate as at least one software module to perform the operations of the present invention, and vice versa.

In addition, the above-described method or apparatus may be implemented by combining all or part of its configuration or function, or may be implemented separately.

Although the above has been described with reference to the preferred embodiment of the present invention, those skilled in the art can variously modify and change the present invention within the scope without departing from the spirit and scope of the present invention as described in the claims below. You will understand that it can be done.

Claims (10)

As a service provision system that performs an application-based service provision method for supporting loan business of financial institutions,
a financial institution server for generating loan information regarding an approved loan event and designating a user who is a person in charge of supporting loan business regarding the approved loan event;
A user terminal of the user supporting a loan business of a financial institution by registering as a member on a platform of the service providing system, wherein the user has the right to support the loan business of a financial institution through a contract with the financial institution in advance A user terminal that is a person designated by the financial institution server as one of the people doing; and
The loan information regarding the approved loan event obtained from the financial institution server is transmitted to the user terminal, and payment information related to the loan payment required to support the loan business of the financial institution obtained from the user terminal is verified, and the By transferring to the financial institution server, comprising a service providing server supporting the loan business of the financial institution,
The user terminal is
Provides an interface for checking loan information obtained from the service providing server and an interface for inputting each item included in payment information corresponding to the loan information to a user who is in charge of loan business support,
Transmitting payment information corresponding to the loan information obtained through the interface to the service providing server,
Transmitting a request for payment of at least one item for the amount required to be paid according to the payment information to the service providing server,
The payment information relates to a payment subject and a payment amount, and includes borrower information, amount information to be paid to the borrower, party information linked to the borrower and the borrower through the loan case, amount information to be paid to the party, and the loan event. It includes repayment information regarding repayment in progress and information on the amount paid for repayment,
The service providing server,
When receiving a payment request for an item for an amount that needs to be paid according to the payment information in the loan amount from the user terminal, a preset authentication procedure is performed,
The preset authentication procedure means a procedure for authenticating whether the necessary fact for the transfer of the amount required to be paid, and is one of an image authentication procedure and a location authentication procedure for authenticating whether the necessary fact, and the location authentication The procedure is based on the location information of the user terminal,
The financial institution server,
Upon receipt of a payment request in which the amount required to be paid is the amount to be paid to the borrower in response to the payment request transmitted from the service providing server, the loan amount based on the borrower information of the payment information and the amount information to be paid to the borrower The amount paid to the borrower is paid to the previously registered account of the borrower;
Upon receipt of a request to determine whether the amount requested to be paid in response to the payment request is the amount to be paid to the party, the amount of the loan to be paid to the party based on the party information in the payment information and the amount information to be paid to the party pays to the party's pre-registered account,
When a payment request is received in which the amount required to be paid in response to the payment request is the amount to be paid for the repayment, the amount to be paid for the repayment of the loan based on the repayment information of the payment information and the amount information to be paid for repayment is to be paid to the user's pre-registered account,
service delivery system. The method according to claim 1,
The service providing server,
Receiving loan information generated according to the occurrence of a loan from the financial institution server and transmitting the received loan information to the user terminal,
The service providing system, characterized in that requesting the registration of the payment information corresponding to the loan information to the user terminal. 3. The method according to claim 2,
The loan information is
Service providing system, characterized in that it includes identification information given to identify the loan business, product information of the loan, information about the borrower who applied for the loan, information on the amount of money requested for the loan, and date information on which the loan is executed . delete The method according to claim 1,
The service providing server,
providing an interface used to input each item included in the payment information through an application provided by the service providing system executed in the user terminal;
The service providing system, characterized in that the information on each item included in the payment information is transmitted to the financial institution server. 6. The method of claim 5,
The service providing server,
Receives a request for payment of an item for an amount required to be paid in accordance with the payment information in the loan amount from the user terminal, and transmits the received payment request to the financial institution server to ensure payment of the item for the amount required for payment A service providing system, characterized in that the request is made. 7. The method of claim 6,
The service providing server,
The service providing system, characterized in that the request is made to the user terminal to perform a preset authentication procedure as a condition for transmitting a request for payment of an item for the amount required to be paid in accordance with the payment information. delete The method according to claim 1,
The financial institution server,
When receiving a request for payment of an item for an amount that requires payment according to the payment information received from the service providing server, the amount corresponding to the received payment request is transferred to the account information registered in advance in relation to the loan within the loan amount Characterized in that the transfer based on the, service providing system. The method according to claim 1,
The service providing server,
When the payment is completed according to the payment information, it is verified whether the registration information related to the registration of the loan received from the user terminal and the setting information related to the setting are true, and the registration information and setting information received based on the verification result Characterized in determining whether to transmit to the financial institution server for a service providing system.

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