KR102389573B1 - System and Method for Operating Lease Guaranty Money Secured Loan Service in Special Commercial - Google Patents

Abstract

The present invention provides a special commercial area rental deposit-backed loan service operating system and method that can reduce the burden on start-ups such as small business owners and create new profits with loan interest by new commercializing special commercial area deposit loans for special commercial areas For the special commercial area where a rental deposit-backed loan service contract is concluded from a predetermined terminal device (window terminal) connected through a predetermined communication channel, the rental deposit security prepared by the lessee and the lessor to provide the rental deposit-backed loan service An interface providing unit 310 that creates (or extracts) at least one interface for inputting (or selects) loan application information, and provides the generated (or extracted) interface to the terminal device, and the terminal device ( In 195), when the rental deposit security loan application information is input (or selected) through the interface and transmitted, the information receiving unit 320 for receiving the rental deposit security loan application information transmitted from the terminal device in connection with the interface 320) And, based on the rental deposit mortgage loan application information received through the information receiving unit 320, the validity check unit 330 for authenticating the validity for providing a rental deposit secured loan service to the lessor and the lessee, and the validity check When the validity for providing the rental deposit security loan service is verified through the unit 330, a consultation document generating unit 340 for generating a consultation document including the contents of the agreement between the lessor and the lessee, the rental deposit for which the validity is verified The information generating unit 350 for generating financial information based on the information included in the collateral loan application information and the consultation document generated by the consultation document generating unit 340, and the financial information generated by the information generating unit 350 Based on the account opening unit 360 that opens and processes a financial account in the name of the lessor, and after the rental deposit collateral loan service is concluded, the security deposit deposited into the financial account in the name of the lessor opened and processed in the account opening unit 360 The loaned rental deposit and the deposit automatically paid from the financial account in the name of the lessor It may include a deposit confirmation notification unit 370 that transfers the loan interest information to the borrower's terminal stored in advance.

Description

{System and Method for Operating Lease Guaranty Money Secured Loan Service in Special Commercial}

The present invention is not a general road shop, but a mall, a large mart, an outlet, a highway rest area, an in-house welfare cafe inside a company, a government office, a terminal, a large hospital, a station, etc. It relates to a security deposit loan service operating system and method. In particular, it is possible to reduce the burden of starting a business such as small businesses by commercializing a deposit loan in a special commercial area, and to operate a deposit-backed loan service for a special commercial area that can generate new profits with loan interest It relates to a system and a method therefor.

In general, low-income people who lack real estate collateral cannot use the low-interest funds of banks, so economic activity is contracted and they are forced to pay huge high interest rates through credit loans. As a solution to this problem, a loan method using a rental deposit as collateral for a loan should be widely disseminated.

Since the rental deposit does not exceed half of the real estate sale price, even if the rental property is auctioned off, the value of the collateral will not be damaged if there is no senior bond.

The reason is that a financial institution directly lends to the lessee for a loan secured by a rental deposit, and in case the lessee becomes delinquent, the financial institution exercises the right to indemnity to recover the principal and normal interest, overdue interest, etc. are performing In other words, the financial institution has a structure in which the payment of the collateralized loan and the collection of the principal and interest of the loan are made with the lessee.

Accordingly, if the financial institution fails to recover the principal and interest of the borrower's loan and generates bad debts, a problem arises that all of the bad debts for the borrower's collateralized loans cannot be fully recovered. If such non-performing loan cannot be fully recovered, the financial institution suffers a certain amount of loss, and there is a problem in that the financial institution may cause its own insolvency.

Accordingly, financial institutions must always manage the risks associated with loan risk in the case of collateralized loans. Accordingly, it takes labor necessary to manage the non-performing loan for the borrower's collateralized loan and has to bear the legal costs for recovering the non-performing loan. There are problems such as

For this reason, a loan secured by a rental deposit secured by a rental deposit through a financial institution is rarely made.

Registered Patent Publication No. 10-0976518 (Registration Date 2010.08.11.) Laid-open Patent Publication No. 10-2014-0011551 (published on January 29, 2014)

The present invention has been devised to solve the above problems. Targeting special commercial areas, special commercial area deposit loans are newly commercialized to reduce the burden of starting a business, such as small business owners, and special commercial areas that can create new profits with loan interest An object of the present invention is to provide a rental deposit-backed loan service operating system and a method therefor.

The present invention provides a special commercial area rental deposit-backed loan service operating system and method that indicate a rental deposit repayment account as a method of securing a mortgage loan in a financial institution and receive a rental deposit directly from the lessor upon the expiration of the contract period and termination of the intermediate contract Its purpose is to provide

The present invention can reduce the risk of delay in loan interest payment, which is caused by non-performing loans due to the failure to recover the borrower's principal and interest, etc. through a structure in which the loan principal and interest are collected with a financial institution and the lessor. The purpose of this is to provide a system for operating a special commercial area rental deposit-backed loan service and a method therefor.

The objects of the present invention are not limited to the above-mentioned objects, and other objects and advantages of the present invention not mentioned may be understood by the following description, and will be more clearly understood by the examples of the present invention. It will also be readily apparent that the objects and advantages of the present invention may be realized by the means and combinations thereof indicated in the appended claims.

The characteristic of the special commercial area rental deposit-backed loan service operating system according to the present invention for achieving the above object is a special commercial area in which a rental deposit-backed loan service contract is concluded from a predetermined terminal device (window terminal) connected through a predetermined communication channel. Creates (or extracts) at least one interface for inputting (or selecting) rental deposit-backed loan application information prepared by the lessee and lessor to provide a rental deposit-backed loan service, and the generated (or extracted) When the interface providing unit 310 that provides an interface to the terminal device and the terminal device 195 input (or select) the rental deposit mortgage loan application information through the interface and transmit it, in connection with the interface, the The information receiving unit 320 for receiving the rental deposit security loan application information transmitted from the terminal device, and the rental deposit security for the lessor and the lessee based on the rental deposit security loan application information received through the information receiving unit 320 When the validity check unit 330 for authenticating the validity for providing the loan service, and the validity for providing the rental deposit secured loan service through the validity check unit 330 is verified, including the contents of the discussion between the lessor and the lessee Information for generating financial information based on the information included in the consultation document generating unit 340 for generating the consultation document, the rental deposit collateral loan application information for which the validity is verified, and the consultation document generated by the consultation document generating unit 340 After the generating unit 350 and the account opening unit 360 for opening and processing a financial account in the name of the lessor based on the financial information generated by the information generating unit 350, and the rental deposit secured loan service are concluded, A deposit that transfers the loaned deposit loaned as collateral to the financial account in the name of the lessor opened and processed in the account opening unit 360 and information on the loan interest on the rental deposit automatically paid from the financial account in the name of the lessor to the tenant terminal stored in advance A confirmation notification unit 370 may be included.

Preferably, the validity verification is performed with the financial company server 300 and the lessor 100 by collecting the loan principal and interest according to the agreement between the lessor and the lessee, and the collection of the loan principal and interest is notified to the lessee may include

Preferably, the validity check unit 330 includes a lessor confirmation unit 331 that confirms the contents of the consultation with the lessor based on the rental deposit security loan application information, and consultation with the lessee based on the rental deposit security loan application information Includes a lessee confirmation unit 332 to check the contents, the contents of the consultation are made with the financial company server 300 and the lessor 100 to collect the loan principal and interest, etc., and the collection of the loan principal and interest, etc. may include notifying the lessee of

The characteristic of the special commercial area rental deposit-backed loan service operation method according to the present invention for achieving the above object is (A) when a rental deposit-backed loan application is received from a customer, the financial company server ( 300) and requesting an interface for providing a rental deposit security loan service for a special commercial area corresponding to the submitted rental deposit mortgage loan application, and (B) using the interface providing unit 310. Creating an interface for receiving rental deposit security loan application information to the financial company server 300, and transmitting the generated (or extracted) interface to the window terminal through a financial network; (C) the window terminal Based on the application for opening a lessor account submitted by the customer through the interface from , (D) a rental deposit security loan application including at least one of the target real estate information, customer information or lessee information, lease contract information, and automatic rent payment setting information transmitted through the financial network using the information receiving unit 320 Receiving the information, (E) using the validity check unit 330 to read the received rental deposit security loan application information to check the validity for providing a rental deposit security loan service to the lessor and the lessee; , (F) when the validity is verified as a result of the confirmation (S70), generating a consultation document including the contents of the agreement between the lessor and the lessee using the consultation text generating unit 340, (G) the information generating unit ( 350) to generate financial information based on the information included in the rental deposit-secured loan application information and the generated consultation document, the validity of which has been verified, and (H) the creation using the account opening unit 360 The steps of opening and processing a financial account in the name of the lessor based on the obtained financial information, and (I) notification of deposit confirmation After the rental deposit-backed loan service is concluded using the unit 370, the secured loan deposit is deposited into a financial account in the name of the lessor opened and the rental deposit loan automatically paid from the financial account in the name of the lessor It may include transmitting at least one of the interest information to the pre-stored tenant terminal.

Preferably, in step (E), the recovery of the loan principal and interest is confirmed with the financial company server 300 and the lessor 100 according to the agreement between the lessor and the lessee, and the collection of the principal and interest of the loan is confirmed. This may include ensuring that the tenant is notified.

As described above, the special commercial area rental deposit secured loan service operating system and method according to the present invention have the following effects.

First, it is possible to reduce the burden of starting a business, such as small business owners, by commercializing a special commercial zone deposit loan for special commercial zones, and to create new profits with interest on the loan.

Second, as a way to secure a loan as collateral in financial institutions, mark the lease deposit repayment account and receive the rental deposit directly from the lessor upon the expiration of the contract period or the termination of the interim contract. risk can be offset.

Third, the present invention reduces the risk of delay in loan interest payment, which is caused by non-performing loans due to the failure to recover the borrower's principal and interest, etc. through a structure in which the loan principal and interest are collected with a financial institution and the lessor. can In particular, deposits in special commercial areas are relatively small compared to operating profit of 500-100 million won or more per month, so the burden on interest payment is small, so the risk of delay in payment can be even smaller.

Fourth, special commercial districts can reduce the risk of loss of collateral deposits as they can stably pay interest on loans in commercial districts that are located in the best commercial districts with high sales and stable sales, which everyone prefers.

Fifth, the best profit can be achieved by preemptively responding to the market that can generate stable interest income by lending collateral deposits in certain commercial areas such as special commercial areas.

In addition to the above-described effects, the specific effects of the present invention will be described together while describing specific details for carrying out the invention below.

1 is a block diagram showing the overall configuration for a special commercial area rental deposit secured loan service operating system according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating the configuration of the financial company server of FIG. 1 in detail.
3 is a flowchart for explaining a method of operating a special commercial area rental deposit secured loan service according to an embodiment of the present invention.

Other objects, characteristics and advantages of the present invention will become apparent from a detailed description of the embodiments with reference to the accompanying drawings.

The terms used in the present invention have been selected as currently widely used general terms as possible while considering the functions in the present invention, but these may vary depending on the intention or precedent of a person skilled in the art, the emergence of new technology, and the like. In addition, in a specific case, there is a term arbitrarily selected by the applicant, and in this case, the meaning will be described in detail in the description of the corresponding invention. Therefore, the term used in the present invention should be defined based on the meaning of the term and the overall content of the present invention, rather than the name of a simple term.

A preferred embodiment of the special commercial area rental deposit-backed loan service operating system and method according to the present invention will be described with reference to the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various different forms, only this embodiment completes the disclosure of the present invention and completes the scope of the invention to those of ordinary skill in the art. It is provided to inform you. Therefore, the configuration shown in the embodiments and drawings described in this specification is only the most preferred embodiment of the present invention and does not represent all of the technical idea of the present invention, so various equivalents that can be substituted for them at the time of the present application It should be understood that there may be water and variations.

In the following, when it is described that a component is "connected", "coupled" or "connected" to another component, the components may be directly connected or connected to each other, but other components are "connected" between each component. It should be understood that each component may be “interposed” or “connected”, “coupled” or “connected” through another component.

1 is a block diagram showing the overall configuration for a special commercial area rental deposit secured loan service operating system according to an embodiment of the present invention.

As shown in FIG. 1 , the special commercial area rental security deposit loan service operating system of the present invention may include a lessor 100 , a lessee 200 , and a financial institution 300 .

The lessor 100 may be a person or a corporation that lends a target object in response to a rental deposit and rent, etc. according to a lease contract for a special commercial area. At this time, the special commercial area may include limited complex facilities such as malls, large marts, outlets, highway rest areas, in-house welfare cafes inside companies, government offices, terminals, large hospitals, and stations rather than general road shops.

The lessee 200 may be a person or a corporation that borrows and uses an object by paying a certain rental deposit and rent through a lease contract for a special commercial area.

The financial company server 300 may operate a rental deposit secured loan service for a special commercial area. In this case, the financial company server 300 may be a financial institution, but is not limited thereto, and may be a separate external system capable of operating a special commercial area rental deposit-backed loan service in connection with a financial institution.

And the financial company server 300 may be implemented by including at least one server (or device), or may be implemented as at least one or more programs recorded on a recording medium provided in a predetermined server (or device). As an embodiment, the financial company server 300 is a ledger server provided on a financial system connected to a window terminal through a predetermined financial network, a server (or device) provided in an external world on the financial system, or the financial system It may be a program provided in the outside world.

FIG. 2 is a block diagram showing the configuration of the financial company server of FIG. 1 in detail. The financial company server illustrated in FIG. 2 is according to an embodiment, and its components are not limited to the embodiment illustrated in FIG. 2 , and some components may be added, changed, or deleted as necessary.

Referring to FIG. 2 , the financial company server 300 includes an interface providing unit 310 , an information receiving unit 320 , a validity checking unit 330 , a consultation document generating unit 340 , and an information generating unit 350 . ), an account opening unit 360 , a deposit confirmation notification unit 370 , and an information storage unit 370 .

The interface providing unit 310 is a special commercial area in which a rental deposit-backed loan service contract is concluded from a predetermined terminal device (window terminal) connected through a predetermined communication channel. It is possible to generate (or extract) at least one interface for inputting (or select) the created rental deposit mortgage loan application information, and provide the generated (or extracted) interface to the terminal device.

When the information receiving unit 320 inputs (or selects) the rental deposit security loan application information through the interface in the terminal device 195 and transmits it, the rental deposit security transmitted from the terminal device in connection with the interface Loan application information may be received.

The validity check unit 330 may authenticate the validity for providing a rental deposit secured loan service to the lessor and the lessee based on the rental deposit secured loan application information received through the information receiving unit 320 . At this time, validation is carried out with the financial company server 300 and the lessor 100 for the collection of loan principal and interest according to the agreement between the lessor and the lessee, and the collection of the generated loan principal and interest is notified to the lessee may include And for validation, the existing real estate comprehensive management financial service contract can be used.

For reference, when the validity of the rental deposit security loan application information is confirmed by the validity check unit 330, the information storage unit 380 includes customer information and real estate information included in the rental deposit security loan application information, It is possible to store rental contract information, rent automatic payment setting information, loan principal and loan interest information.

At this time, the validity check unit 330 is a lessor confirmation unit 331 that confirms the contents of the consultation with the lessor based on the rental deposit security loan application information, and consultation with the lessee based on the rental deposit security loan application information It may include a lessee confirmation unit 332 to check the contents. For example, the content of the discussion may include notifying the borrower of the collection of the principal and interest of the loan, etc., with the financial company server 300 and the lessor 100, and the collection of the principal and interest on the loan.

When the validity for providing the rental deposit secured loan service is verified through the validity check unit 330, the consultation document generating unit 340 may generate a consultation document including the contents of the consultation between the lessor and the lessee. In this case, the consultation document may include the contents of agreement with the financial institution and the lessor to collect the loan principal and interest on the loan.

The information generating unit 350 may generate financial information based on the information included in the consultation document generated by the validated rental deposit-secured loan application information and the consultation document generating unit 340 . In this case, the financial information preferably includes an account number and interest rate information corresponding to the lessor account opened based on the rental deposit-backed loan application information. It may further include information about the period, payment date and time, and payment amount.

The account opening unit 360 may open a financial account in the name of the lessor based on the financial information generated by the information generation unit 350 . That is, the account opening unit 360 includes the financial account information based on the real estate information, customer information or lessee information, lease contract information, and automatic rent payment setting information included in the rental deposit mortgage loan application information. You can open a financial account in the name of the lessor. As such, the reason that a financial account can be made in the name of the lessor is possible because, in the case of special commercial areas, the rental fee itself is a sales-based method. In other words, the lessor manages all sales of the lessee's sales revenue, and returns the amount excluding 10~23% of the contracted monthly sales to the lessee. Accordingly, it is possible to process the loaned deposit as collateral and the loan interest on the rental deposit automatically paid from the financial account in the name of the lessor in the financial account in the name of the lessor.

The deposit confirmation notification unit 370, after the rental deposit security loan service is concluded, the secured loan deposit deposited into the financial account of the lessor opened in the account opening unit 360, and the lessor's name Information on rental deposit loan interest automatically paid from the financial account can be delivered to the pre-stored tenant terminal. At this time, the transmitted information may further include a predetermined subscription period, payment date and time, and payment amount information together with the rental deposit, rental deposit loan interest, and the like.

The information storage unit 380 includes the customer information (or lessee, private person) and object (building, building, shopping mall, etc.) information included in the validated rental deposit mortgage loan application information, rental contract information, automatic rental payment It is possible to store setting information, lessor financial account information, loan principal and loan interest information.

The operation of the special commercial area rental deposit secured loan service operating system according to the present invention configured as described above will be described in detail with reference to the accompanying drawings. The same reference numerals as in FIG. 1 or FIG. 2 refer to the same members performing the same functions.

3 is a flowchart for explaining a method of operating a special commercial area rental deposit secured loan service according to an embodiment of the present invention.

Referring to FIG. 3, first, customers (lessors, lessees, etc.) target objects (buildings, buildings, shopping malls, etc.) Information, customer information, or lease contract information, the rental deposit-secured loan application including at least one or more of information on setting information for automatic rent payment is prepared and submitted (S10).

The window terminal of the financial company server 300 connects to the financial company server 300 through a predetermined financial network and connects to a predetermined communication channel, and a real estate comprehensive management financial service contract corresponding to the submitted rental deposit mortgage loan application For this concluded special commercial area, an interface for providing a rental deposit secured loan service is requested (S20).

In response, the financial company server 300 uses the interface providing unit 310 to provide real estate information, customer information or lessee information, lease contract information, and automatic rent payment setting information corresponding to the application for opening a lessor account written by the customer. Generates an interface for transmitting rental deposit security loan application information including at least one input to the financial company server 300, and transmits the generated (or extracted) interface to the window terminal through the financial network to output do (S30).

After that, the window terminal is based on the application for opening a lessor account submitted by the customer through the interface, the target real estate information, customer information, lease contract information, rental deposit mortgage loan application information including at least one or more information is input (S40). At this time, when the rental deposit mortgage application information including at least one of the target real estate information, customer information or lessee information, lease contract information, and automatic rent payment setting information is input through the interface, the terminal device connects to the financial network Through this, it is possible to transmit the input (or selected) rental deposit security loan application information to the financial company server.

Next, the financial company server 300 includes at least one or more of the target real estate information, customer information or lessee information, lease contract information, and automatic rent payment setting information transmitted through the financial network using the information receiving unit 320 . Receives rental deposit security loan application information (S50).

And by using the validity check unit 330 to read the received rental deposit security loan application information, it is possible to check the validity for providing a rental deposit security loan service to the lessor and the lessee (S60). At this time, validation is performed with the financial company server 300 and the lessor 100 for the collection of loan principal and interest according to the agreement between the lessor and the lessee, and the number of the loan principal and interest, etc. generated is notified to the lessee. may include And for validation, the existing real estate comprehensive management financial service contract can be used.

If the verification result is not validated (S70), the financial company server 300 generates a predetermined financial account error information and transmits it to the window terminal (S80), and the lessee account corresponding to the rental deposit collateral loan application information The opening procedure may not be performed.

When the validation result is verified (S70), the financial company server 300 may generate a consultation document including the contents of the agreement between the lessor and the lessee by using the agreement generating unit 340 (S90). In this case, the consultation document may include the contents of agreement with the financial institution and the lessor to collect the loan principal and interest on the loan.

And it is possible to generate financial information based on the information included in the rental deposit-backed loan application information and the generated consultation document, the validity of which is verified by using the information generating unit 350 (S100). In this case, the financial information preferably includes an account number and interest rate information corresponding to the lessor account opened based on the rental deposit-backed loan application information. It may further include information about the period, payment date and time, and payment amount.

Next, the financial company server 300 may open a financial account in the name of the lessor based on the generated financial information using the account opening unit 360 (S110). That is, the account opening unit 360 includes the financial account information based on the real estate information, customer information or lessee information, lease contract information, and automatic rent payment setting information included in the rental deposit mortgage loan application information. You can open a financial account in the name of the lessor. As such, the reason that a financial account can be made in the name of the lessor is possible because, in the case of special commercial areas, the rental fee itself is a sales-based method.

Thereafter, the financial company server 300 may generate (or extract) predetermined financial account opening details information, the consultation document details information, rental deposit collateral loan application information, and financial information details information, and transmit it to the window terminal ( S120).

On the other hand, the financial company server 300 uses the deposit confirmation notification unit 370 after the rental deposit-secured loan service is concluded (S130), and the secured loan deposit is deposited into the opened financial account of the lessor's name. And, the rental deposit loan interest information automatically paid from the financial account in the name of the lessor may be transferred to the pre-stored lessee terminal (S120). At this time, the transmitted information may further include a predetermined subscription period, payment date and time, and payment amount information together with the rental deposit, rental deposit loan interest, and the like.

As such, the present invention reduces the risk of delay in payment of loan interest, which is caused by non-performing loans due to the failure to recover the borrower's principal and interest, etc. through a structure in which the recovery of the principal and interest of a loan is made with a financial institution and the lessor. characteristics that can be displayed.

On the other hand, the device according to the disclosed embodiment includes a processor, a memory for storing and executing program data, a permanent storage such as a disk drive, a communication port for communicating with an external device, a touch panel, a key, a button, etc. It may include the same user interface device and the like. Methods implemented as software modules or algorithms may be stored on a computer-readable recording medium as computer-readable codes or program instructions executable on the processor. Here, the computer-readable recording medium includes a magnetic storage medium (eg, read-only memory (ROM), random-access memory (RAM), floppy disk, hard disk, etc.) and an optically readable medium (eg, CD-ROM). ), and DVD (Digital Versatile Disc)). The computer-readable recording medium may be distributed among network-connected computer systems, so that the computer-readable code may be stored and executed in a distributed manner. The medium may be readable by a computer, stored in a memory, and executed on a processor.

All documents, including publications, patent applications, patents, etc., cited in the disclosed embodiments are the same as in the disclosed embodiment as if each cited document was individually and specifically shown in combination or as a whole in the published embodiment. can be merged

In order to understand the disclosed embodiments, reference signs have been given to preferred embodiments shown in the drawings, and specific terms are used to describe the disclosed embodiments, but the disclosed embodiments are not limited by the specific terms, and the disclosed embodiments are not limited thereto. These may include all components commonly conceivable by those skilled in the art.

The disclosed embodiment may be represented in functional block configurations and various processing steps. These functional blocks may be implemented in any number of hardware and/or software configurations that perform specific functions. For example, the disclosed embodiment is an integrated circuit configuration, such as memory, processing, logic, look-up table, etc., capable of executing various functions by means of the control of one or more microprocessors or other control devices. can be hired Similar to how components of the disclosed embodiment may be implemented as software programming or software elements, the disclosed embodiment includes various algorithms implemented as data structures, processes, routines, or combinations of other programming constructs, including C, C++ , may be implemented in a programming or scripting language such as Java, assembler, or the like. Functional aspects may be implemented in an algorithm running on one or more processors. In addition, disclosed embodiments may employ prior art techniques for electronic configuration, signal processing, and/or data processing, and the like. Terms such as “mechanism”, “element”, “means” and “constituent” may be used broadly and are not limited to mechanical and physical components. The term may include the meaning of a series of routines of software in association with a processor or the like.

The specific implementations described in the disclosed embodiments are only examples and do not limit the scope of the disclosed embodiments in any way. For brevity of the specification, descriptions of conventional electronic components, control systems, software, and other functional aspects of the systems may be omitted. In addition, the connection or connection members of the lines between the components shown in the drawings illustratively represent functional connections and/or physical or circuit connections, and in an actual device, various functional connections, physical connections that are replaceable or additional may be referred to as connections, or circuit connections. In addition, unless there is a specific reference such as "essential" or "importantly", it may not be a necessary component for the application of the disclosed embodiment. In addition, those of ordinary skill in the technical field of the present invention will understand that various embodiments are possible within the scope of the technical spirit of the present invention. Therefore, the true technical protection scope of the present invention should be determined by the technical spirit of the appended claims.

100: lessor 200: lessee
300: financial company server 310: interface providing unit
320: information receiving unit 330: validation unit
331: lessor confirmation unit 332: lessee confirmation unit
340: consultation document generating unit 350: information generating unit
360: account opening unit 370: deposit confirmation notification unit
380: information storage unit

Claims (5)

From a predetermined terminal device (window terminal) connected through a predetermined communication channel, the rental deposit-backed loan application information prepared by the lessee and the lessor to provide the rental deposit-backed loan service for the special commercial area where the rental deposit-backed loan service contract has been concluded An interface providing unit 310 that generates (or extracts) at least one interface to be input (or selects) and provides the generated (or extracted) interface to the terminal device;
When the terminal device 195 inputs (or selects) the rental deposit security loan application information through the interface and transmits, the information for receiving the rental deposit security loan application information transmitted from the terminal device in connection with the interface a receiving unit 320;
A validity check unit 330 for authenticating the validity of providing a rental deposit secured loan service to the lessor and the lessee based on the rental deposit secured loan application information received through the information receiving unit 320;
When the validity for providing the rental deposit secured loan service is verified through the validity check unit 330, a consultation document generating unit 340 for generating a consultation document including the contents of the agreement between the lessor and the lessee;
An information generating unit 350 for generating financial information based on the information included in the consultation document generated by the rental deposit collateral loan application information and the consultation document generating unit 340, the validity of which is verified;
an account opening unit 360 for opening and processing a financial account in the name of the lessor based on the financial information generated by the information generating unit 350;
After the rental deposit-backed loan service is concluded, the secured loan deposit is deposited into a financial account in the name of the lessor opened and processed in the account opening unit 360, and the rental deposit loan automatically paid from the financial account in the name of the lessor Includes a deposit confirmation notification unit 370 that delivers interest information to the pre-stored tenant terminal,
The validity verification is performed with the financial company server 300 and the lessor 100 for the collection of loan principal and interest according to the agreement between the lessor and the lessee, and the collection of the loan principal and interest, etc. generated is notified to the lessee and
The validation unit 330 is
A lessor confirmation unit 331 that confirms the contents of the consultation with the lessor based on the rental deposit-backed loan application information;
and a lessee confirmation unit 332 for confirming the contents of the consultation with the lessee based on the rental deposit-backed loan application information,
The contents of the consultation include collecting the principal and interest of the loan with the financial company server 300 and the lessor 100, and notifying the lessee of the collection of the principal and interest on the loan, etc. service operating system.
delete delete (A) When an application for a rental deposit-backed loan is received from a customer, it is connected to the financial company server 300 through a predetermined financial network from the window terminal, and is targeted for a special commercial area corresponding to the submitted rental deposit-backed loan application. A step in which an interface for providing a loan service is requested;
(B) generating an interface for receiving the rental deposit mortgage loan application information to the financial company server 300 using the interface providing unit 310, and transmitting the interface to the window terminal through the financial network; ,
(C) Rental deposit-backed loan application information including at least one target real estate information, customer information, lease contract information, and automatic rent payment setting information based on the application for opening a lessor account submitted by the customer through the interface from the window terminal a step of receiving input;
(D) using the information receiving unit 320 to transmit target real estate information, customer information or lessee information, lease contract information, and rental automatic payment setting information transmitted through the financial network, rental deposit mortgage loan application information including at least one receiving step;
(E) checking the validity of the rental deposit security loan application information received using the validity check unit 330 to provide a rental deposit security loan service to the lessor and the lessee;
(F) when the validity is verified as a result of the confirmation (S70), generating a consultation document including the contents of the agreement between the lessor and the lessee using the agreement generating unit 340;
(G) using the information generating unit 350 to generate financial information based on the information included in the validated rental deposit-secured loan application information and the generated consultation document;
(H) opening and processing a financial account in the name of the lessor based on the generated financial information using the account opening unit 360;
(I) After the rental deposit-backed loan service is concluded using the deposit confirmation notification unit 370, the secured loan deposit is deposited into a financial account in the name of the lessor opened, and from the financial account in the name of the lessor Comprising the step of delivering at least one of the automatically paid rental deposit loan interest information to the pre-stored tenant terminal,
The step (E) is
According to the agreement between the lessor and the lessee, the collection of the loan principal and interest is confirmed with the financial company server 300 and the lessor 100,
The step (E) is
using the lessor confirmation unit 331 to confirm the contents of the consultation with the lessor based on the rental deposit-secured loan application information;
using the lessee confirmation unit 332 to confirm the contents of the consultation with the lessee based on the rental deposit-secured loan application information,
The contents of the consultation include collecting the principal and interest of the loan with the financial company server 300 and the lessor 100, and notifying the lessee of the collection of the principal and interest on the loan, etc. How the Service operates. delete

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