KR102389877B1 - Apparatus for Providing Loan Brokerage Service and Driving Method Thereof - Google Patents

Abstract

The present invention relates to a loan brokerage service apparatus and an operation method thereof. In accordance with an embodiment of the present invention, the loan brokerage service apparatus includes: a storage part storing property mortgage information including property addresses, appraised values, collateralization loans, collateralization rankings and mortgage settlement amounts in regard to properties of users; and a control part combining or recombining and grouping the properties in accordance with conditions preset based on at least databased address information when the property mortgage information is registered and modified by a user terminal device, and then, simply displaying the grouped and stored address information of the property addresses on a screen of the user terminal device. Therefore, the present invention is capable of improving readability of property information for users.

Description

Apparatus for Providing Loan Brokerage Service and Driving Method Thereof

The present invention relates to a loan brokerage service apparatus and a driving method of the apparatus, and more particularly, a loan brokerage service apparatus for automatically combining or recombining real estate in a system when registering and modifying real estate collateral and briefly displaying an address; It relates to a method of driving the device.

In general, although there is a difference in name, financial institutions are preparing the credit status table and collateral status table to indicate the loan provided to the borrower and the collateral provided by the borrower. In the case of the collateral status table, various information such as the type of collateral, the type of collateral being provided to which loan, the status of connection with the loan, the collateral value, and the owner are displayed.

The difficulty in the computerized implementation of the real estate collateral status table is that, in the case of real estate collateral, there are many cases in which multiple real estate is jointly provided as collateral to a specific loan. This is because it must be accurately reflected in the collateral status statement and displayed with excellent readability.

As is well known, the financial industry is also changing to an era in which consumers apply for loans directly in the Internet environment, and the related service industry is further developing due to the explosive increase in demand for non-face-to-face transactions amid the Corona crisis.

When the demand for secured loan service increases, users need to directly register not only loan application but also collateral information in the online environment, check whether they are accurately expressed as they intend to provide collateral, and correct them if they are wrong.

On the other hand, in order to facilitate such work in the Internet environment, particularly in the mobile Internet environment, which is limited by the screen size, it is necessary to improve readability by simplifying the collateral provision status as much as possible.

Korean Patent Publication No. 10-2013-0004646 (2013.01.14) Korean Patent Publication No. 10-2007-0007414 (Jan. 16, 2007) Korean Patent Publication No. 10-0837238 (2008.06.04)

An embodiment of the present invention aims to provide a loan brokerage service device and a method of driving the device for automatically combining or recombining real estate in a system when registering and modifying real estate collateral, and briefly displaying an address.

Loan brokerage service apparatus according to an embodiment of the present invention, real estate address, appraised value, mortgage provision loan, collateral provision or mortgage setting ranking and mortgage setting amount, etc. (eg, information such as serial number are further stored) related to real estate of users A storage unit for storing real estate collateral information comprising, and at least when registering and modifying the real estate collateral information in the user terminal device, based on the address information of the real estate address converted into a database, according to certain conditions, more precisely, a joint collateral relationship and a control unit for grouping the real estate by combining or recombining the real estate based on the collateral provision order (eg, mortgage right setting order), and briefly displaying address information of the real estate address stored by the grouping on the screen of the user terminal device. .

The control unit may group the real estate collateral information combined or recombined based on information such as a joint collateral relationship of the real estate, a mortgage setting order, a mortgage setting amount, and the like, and display it on the screen of the user terminal device.

The control unit separates the collateral information of the modified real estate when the information such as the credit-collateral connection information, the mortgage rank information, the mortgage amount information, etc. is modified from the grouped and displayed real estate collateral information on the screen, or is combined with other real estate collateral information Thus, it can be displayed on the screen of the user terminal device.

The control unit, the real estate address information related to the real estate inputs full address information including the lot number or the same number, and omits the common address except for the plurality of the lot number and the same number on the screen. can be displayed on the screen. Address information such as city, county, and gu is common information, and this information is omitted. Since the lot number and the same number are not common addresses, they remain.

The control unit, when displaying the real estate collateral information on the screen, the type of real estate and appraised value information may be displayed around the simplified address information.

The control unit may display, on the screen, pre-stored full address information of the real estate when there is a request for modification from the user terminal device.

In addition, the driving method of the loan brokerage service apparatus according to an embodiment of the present invention stores real estate collateral information including the storage unit, real estate addresses, appraised values, collateral provision loans, collateral provision rankings, and mortgage setting amounts related to real estate of users. When the control unit registers and modifies the real estate collateral information in the user terminal device, at least the real estate is combined or recombined according to a certain condition based on the databaseized real estate address information, and the real estate is grouped and stored. and briefly displaying address information of a real estate address on a screen of the user terminal device.

According to an embodiment of the present invention, it is possible to implement a lot of existing real estate collateral information on one page of the screen, or more precisely, on fewer pages than before, through grouping, so that the readability of the user (eg, a banker, etc.) will be improved. will be.

1 is a view showing a loan brokerage service system according to an embodiment of the present invention;
Figure 2 is a block diagram illustrating the detailed structure of the loan brokerage service apparatus of Figure 1;
3 and 4 are diagrams for explaining a service screen according to the first embodiment of the present invention;
5 and 6 are diagrams for explaining a service screen according to a second embodiment of the present invention;
7 is a diagram for explaining a service flow according to a third embodiment of the present invention;
8 to 18 are diagrams for explaining a service screen for each step of FIG. 7;
19 is a flowchart showing a driving process of the loan relay service apparatus of FIG. 1;
20 and 21 are diagrams for explaining a specific example according to an embodiment of the present invention.

Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings.

1 is a view showing a loan relay service system according to an embodiment of the present invention.

As shown in FIG. 1 , the loan brokerage service system 90 according to an embodiment of the present invention includes some or all of the user terminal device 100 , the communication network 110 , and the loan brokerage service device 120 .

Here, "including some or all" means that some components such as the communication network 110 are omitted, so that the user terminal device 100 and the loan brokerage service device 120 perform direct communication (eg, P2P communication, etc.) Or, some or all of the components constituting the loan brokerage service device 120 are integrated into a network device (eg, a wireless exchange device, etc.) constituting the communication network 110, and the like. In order to help a sufficient understanding of the invention, it will be described as including everything.

The user terminal device 100 includes various types of terminal devices that can use the service of the loan brokerage service device 120 via the communication network 110 of FIG. 1 . The user terminal device 100 is preferably an image display device, and not only PC-based desktop computers and laptop computers, but also mobile-based tablet PCs, smart phones, and wearables such as Galaxy * Gear of domestic S company worn on wrists, etc. includes the device. A smart TV may also be included in the user terminal device 100 .

Users use the loan brokerage service by requesting a service from the loan brokerage service device 120 through the user terminal device 100 . For example, when the loan brokerage service device 120 is a server of a bank or a financial institution, the user of the user terminal device 100 may be a terminal device used by a banker or an employee of a financial institution.

Of course, the loan brokerage service device 120 allows general users who use the user terminal device 100 to view information related to real estate collateral, etc., but provides the service by giving authority to the financial institution staff in relation to the correction of information. It is possible to provide them separately, and as mentioned above, it is possible for users other than bankers to directly modify them. Therefore, in the embodiment of the present invention, the type of user terminal device 100 is not particularly limited.

The user terminal device 100 may register and modify information related to real estate collateral for financial services, etc., and when accessing the loan brokerage service device 120 for registration and correction, the loan brokerage service device 120 is Real estate collateral information is automatically combined or recombined and displayed on the screen of the user terminal device 100, and an address is briefly displayed in the process. Accordingly, the user terminal device 100 can simply view the address of the real estate collateral on the screen, and can also simply view the real estate collateral information, which was previously viewed in 3-4 pages beyond one page, on one page. As described above, the user terminal device 100 according to an embodiment of the present invention can check information such as real estate collateral or credit on a screen of fewer pages by significantly reducing the amount of information compared to the prior art.

In addition, the user terminal device 100 displays real estate address information in full when real estate collateral information is corrected, when specific real estate collateral information is selected from a list on the screen. For example, if address information is briefly displayed, if common address information other than the lot number or the same number is omitted. there is. Since common parts of the address (eg, province, city, county, gu, etc.) are omitted and non-common parts are left, parts other than the same number are omitted. Accordingly, when the edit button is clicked on the screen of the user terminal device 100, the entire address information may be displayed on the screen. Of course, the entire address information is registered on the DB 120a of FIG. 1, but when a service request is made, common address information other than the lot number or the same number is excluded and the information is provided, so the implementation of the system is not very difficult.

In addition to the above, the user terminal device 100 may perform various operations in connection with the loan brokerage service device 120, and other details will be dealt with in detail later.

The communication network 110 includes both wired and wireless communication networks. For example, as the communication network 110 , a wired or wireless Internet network may be used or interlocked. Here, the wired network includes an Internet network such as a cable network or a public telephone network (PSTN), and the wireless communication network includes CDMA, WCDMA, GSM, Evolved Packet Core (EPC), Long Term Evolution (LTE), Wibro network, etc. is meant to include Of course, the communication network 110 according to the embodiment of the present invention is not limited thereto, and may be used, for example, in a cloud computing network under a cloud computing environment, a 5G network, and the like. For example, when the communication network 110 is a wired communication network, the access point in the communication network 110 can connect to a switching center of a telephone company, etc., but in the case of a wireless communication network, it connects to a SGSN or GGSN (Gateway GPRS Support Node) operated by a communication company to access data Data can be processed by accessing various repeaters such as a BTS (Base Transsive Station), NodeB, and e-NodeB.

The communication network 110 may include an access point. Here, the access point includes a small base station, such as a femto or pico base station, which is often installed in a building. Femto or pico base stations are classified according to the maximum number of user terminal devices 100, etc. that can be connected to each other in the classification of small base stations. Of course, the access point may include a short-distance communication module for performing short-distance communication such as Zigbee and Wi-Fi with the user terminal device 100 and the like. The access point may use TCP/IP or Real-Time Streaming Protocol (RTSP) for wireless communication. Here, short-distance communication may be performed in various standards such as Bluetooth, Zigbee, infrared, radio frequency (RF) such as ultra high frequency (UHF) and very high frequency (VHF), and ultra-wideband communication (UWB) in addition to Wi-Fi. Accordingly, the access point extracts the location of the data packet, designates the best communication path for the extracted location, and transmits the data packet to the next device, for example, the loan brokerage service device 120 along the designated communication path. The access point may share several lines in a general network environment, and includes, for example, a router, a repeater, and a repeater.

Loan brokerage service device 120 automatically combines or recombines real estate information when registering and correcting real estate collateral through the user terminal device 100, and briefly displays an address. Of course, combination means combining when information as collateral is provided, such as connection with credit from the terminal device 100 to real estate pre-stored in DB 120a, provision of collateral (or setting of mortgage), and ranking registration. This is because as soon as information is received from the terminal, that is, as soon as registration and correction information is received, combination and recombination are performed, the result is stored and provided to the terminal when necessary. In addition, recombination means forming a new union when there is a modification of real estate collateral. Loan brokerage service device 120 is real estate-related collateral information, in addition to information related to real estate address, appraised value, collateral provision loan, collateral provision order and mortgage setting amount, etc. Keys (primary keys) are added and stored in the DB 120a. The embodiment of the present invention makes it possible to database address information so as to avoid the redundant work of rewriting the address when recombining real estate, and to restore the entire address based on the primary key information of the real estate address even when the entire address is simplified. Accordingly, when the loan brokerage service device 120 provides real estate collateral information, it provides a database of real estate address information, based on this, combining and recombination of real estate in consideration of joint collateral relationships, mortgage right setting ranking and set amount, etc. and provides information to the user terminal device 100 in the form of a list that is jointly provided as collateral by grouping. More details will be dealt with later.

Of course, the loan brokerage service device 120 registers all information when registering address information of real estate in relation to real estate collateral. However, when there is a service request from the user terminal device 100 , for example, when there is a request for viewing, the simply generated address information is provided. Typically, common addresses other than the lot number or the same number are omitted from the total address information. For example, assuming that the same area, one of the plurality of real estate addresses is '170-1 Sadang-dong, Dongjak-gu, Seoul', the entire address information thereof is stored in the DB 120a, but provided to the user terminal device 100. Only '170-1' address information is exposed.

The loan intermediary service device 120 according to the embodiment of the present invention may be a financial server provided and used by each bank, but may provide services by operating it in the form of an integrated server that integrates all banks or financial institutions. . Therefore, in the embodiment of the present invention, it will not be particularly limited to the type of operation of the loan intermediary service device 120 of FIG. In the latter case, for example, an Internet bank such as K*K or K*O Bank of Korea may be possible, and the latter case is preferable in the embodiment of the present invention.

As described above, the loan brokerage service device 120 facilitates computerized registration and correction of real estate collateral through database-based address management, and simplifies information display to display the collateral status table on a small display, such as a smartphone. It is easy to implement and can also improve readability. Of course, the loan brokerage service device 120 provides the data by processing the data so that the resolution conversion is made for this purpose because the screen standard is various even in the case of a smartphone.

Examples of real estate collateralized loans can be shown in <Table 1> and <Table 2>. <Table 1> shows credit, and <Table 2> shows collateral (unit: KRW million).

subject Price loan term working capital 1 700 1 year working capital 2 15,000 1 year Working capital 3 1,500 1 year Facility Fund 1 2,000 1 year Facility Fund 2 3,000 1 year Facility Fund 3 5,000 1 year

address connoisseur 25, Sadang-dong, Dongjak-gu, Seoul 5,500 170-1, Sadang-dong, Dongjak-gu, Seoul 4,500 28, Sadang-dong, Dongjak-gu, Seoul 3,500 29 Sadang-dong, Dongjak-gu, Seoul 4,500 Room 201, 90-1 Sadang-dong, Dongjak-gu, Seoul 4,500 Room 301, 90-1 Sadang-dong, Dongjak-gu, Seoul 3,700 #701, 90-1 Sadang-dong, Dongjak-gu, Seoul 4,800 1800-1 Seocho-dong, Seocho-gu, Seoul 23,000

In addition to the above, the loan brokerage service device 120 may perform various operations, and other details will be dealt with later (eg, FIGS. 3 to 18 ).

FIG. 2 is a block diagram illustrating a detailed structure of the loan brokerage service apparatus of FIG. 1 .

As shown in Figure 2, the loan brokerage service device 120 according to the embodiment of the present invention is a part of the communication interface unit 200, the control unit 210, the real estate security processing unit 220 and the storage unit 230 or includes all

Here, "including some or all" means that some components such as the storage unit 230 are omitted so that the loan brokerage service device 120 is configured, or some components such as the real estate security processing unit 220 control unit ( 210), which means that it can be configured by being integrated with other components, etc., and will be described as including all in order to help a sufficient understanding of the invention.

The communication interface 200 communicates with the user terminal device 100 via the communication network 110 of FIG. 1 . The communication interface unit 200 may perform operations such as modulation/demodulation, muxing/demuxing, encoding/decoding, and scaling for converting resolution in the process of performing communication, which is obvious to those skilled in the art, so further description will be omitted. do. However, in the case of the resolution, for example, based on the identification information of the user terminal device 100, the smart phone checks the model and provides a service screen with a resolution corresponding thereto.

When there is a service request from the user terminal device 100, the communication interface 200 provides a service screen according to an embodiment of the present invention under the control of the controller 210, and of course, the service screen includes pixel data in a data packet. It is included and transmitted, and the service can be provided through operations such as demuxing or decoding again in the user terminal device 100 .

In addition, the communication interface unit 200 receives registration information or correction information of real estate collateral provided by the user terminal device 100 and provides it to the control unit 210 . Here, as for the registration information, in the case of address information of real estate, full address information including a lot number or a house number is input, but when reading in the user terminal device 100, address information is briefly provided, and in the case of correction information The entire address information stored in the DB 120a of FIG. 1 is provided so that the information is corrected. Of course, this operation is performed under the control of the controller 210 .

The control unit 210 is responsible for the overall control operation of the communication interface unit 200, the real estate security processing unit 220 and the storage unit 230 of FIG. 2 constituting the loan brokerage service device 120 of FIG. Typically, when there is a service request from the user terminal device 100, the control unit 210 controls the real estate security processing unit 220 to execute the program mounted therein, and displays a service screen in a specified format according to the execution of the user terminal device. (100) is provided. In addition, when information related to real estate security is provided from the user terminal device 100 , the control unit 210 may temporarily store it in the storage unit 230 and then call it and provide it to the real estate security processing unit 220 .

The real estate collateral processing unit 220 may perform various operations according to an embodiment of the present invention in connection with the control unit 210, and in the process, for example, when registering and modifying real estate collateral in the system, that is, in the loan brokerage service device 120 It automatically assembles or reassembles real estate and briefly displays the address. The real estate collateral processing unit 220 may include a graphical user interface (GUI) program for graphic processing for this operation. For example, the real estate collateral processing unit 220 causes a service screen of a specified format to be displayed on the screen of the user terminal device 100 when there is a user's service request. At this time, the real estate security processing unit 220 groups and displays a plurality of real estate collateral information on the screen based on the joint security relationship of real estate, the mortgage setting ranking, the mortgage setting amount, etc., and simplifies the items of the list displayed on the screen. In other words, if real estate collateral information was previously displayed as five items on the screen, the information is displayed as two items in the embodiment of the present invention.

The storage unit 230 stores various types of data processed under the control of the control unit 210 . Then, the information stored under the control of the control unit 210 is output and provided to the real estate security processing unit 220 . For example, when the user terminal device 1 provides the correction information and the user terminal device 2 provides the correction information, the storage unit 230 may store the information in order, and then output the information in the order in which it is input. Of course, the priority information may be output first, but it will not be particularly limited to the information output format.

In addition to the above, the communication interface unit 200, the control unit 210, the real estate security processing unit 220 and the storage unit 230 of FIG. 2 may perform various operations, and other details have been sufficiently described above, and Since it will be explained in detail later, we will substitute those contents.

The communication interface unit 200, the control unit 210, the real estate collateral processing unit 220 and the storage unit 230 of FIG. 2 according to an embodiment of the present invention are composed of hardware modules physically separated from each other, but each module has an internal You will be able to store software for performing the above operation and execute it. However, since the software is a set of software modules, and each module can be formed of hardware, it will not be particularly limited to the configuration of software or hardware. For example, the storage unit 230 may be a hardware storage (storage) or a memory (memory). However, since it is possible to store information in software (repository), it will not be particularly limited to the above.

Meanwhile, as another embodiment of the present invention, the control unit 210 may include a CPU and a memory, and may be formed as a single chip. The CPU includes a control circuit, an arithmetic unit (ALU), a command interpreter and a registry, and the memory may include a RAM. The control circuit performs a control operation, the operation unit performs an operation operation of binary bit information, and the instruction interpretation unit converts a high-level language into a machine language and a machine language into a high-level language, including an interpreter or compiler. , the registry may be involved in software data storage. According to the above configuration, for example, at the beginning of the operation of the loan brokerage service device 120, the program stored in the real estate collateral processing unit 220 is copied, loaded into a memory, that is, RAM, and then executed to increase the data operation processing speed. can be increased quickly.

3 and 4 are diagrams for explaining a service screen according to the first embodiment of the present invention.

(Assumption 1)

All real estate provides first-class mortgage collateral on all loans (eg, set at 32,640 million won). If you make a primitive collateral status table according to the given conditions, you can make it as shown in <Table 3> after going through the steps of ① real estate address registration, ② appraised value registration, ③ collateral loan registration, ④ collateral provision ranking registration, ⑤ mortgage setting amount registration. (In millions of Korean won).

In contrast, in the embodiment of the present invention, an improved collateral status table as shown in <Table 4> can be provided (unit: million won).

As described above, it can be seen that the collateral status table in <Table 4> is much more readable than the existing original collateral status table in <Table 3>.

Recently, the financial industry is also changing to an era in which consumers apply for loans directly in the Internet environment, and the related service industry is further developing due to the explosive increase in demand for non-face-to-face transactions amid the Corona crisis.

Accordingly, if the demand for secured loan service increases, the user must directly register not only the loan application but also the collateral information in the online environment, check whether the intention to provide the collateral is accurately expressed, and correct the error directly.

On the other hand, in order to facilitate such operations in the Internet environment, especially in the mobile Internet environment, which is limited by the screen size, it is necessary to improve readability by making the collateral provision status as concise as possible as shown in the collateral status table in <Table 4> of the above case. there is.

3 shows a screen in which <Table 3> is implemented, and FIG. 4 shows a screen in which <Table 4> is implemented, respectively. It can be seen that the case of FIG. 4 can be implemented on one page and the readability is better than the case of FIG. 3, which is difficult to implement on one page.

The problem is that it is difficult for users who do not have empirical knowledge about preparing a collateral status table to create a concise and highly readable collateral status table in the form of the collateral status table in <Table 4> above in their head, and it is difficult to express it, even if it is possible to write it. There will be inconveniences caused when addresses are registered based on text.

In order to help understand the problem, a case in which the registered collateral as in the first embodiment above is modified to the same situation as in the second or third embodiment will be described.

5 and 6 are diagrams for explaining a service screen according to the second embodiment of the present invention.

(Assumption 2)

For example, 1) Sadang-dong 25, 170-1, 28, 29, 90-1 Room 201 → Facility funds 1, 2, 3 1st and 3rd priority collateral provided (14,640 million won set), 2) Sadang-dong 90 -1 No. 301 No. 701 → 1st priority collateral for facility funds 1, 2, 3 working funds 1, 2, 3 (4,200 million won set), 3) 1800-1 Seocho-dong → 1st priority collateral for working capital 2 (13,800 million won) setting) is assumed.

The above situation is expressed in the original collateral status table and the improved collateral status table as in assumption 1 according to the first embodiment of the present invention, as shown in <Table 5> and <Table 6>.

In this case too, it can be seen that the collateral status table in <Table 6>, which is concisely expressed through grouping considering the ranking of real estate and mortgages provided jointly as collateral, is improved in readability compared to the original collateral status table in <Table 5>.

However, to modify the collateral status table in <Table 4> of Assumption 1 to the same as the collateral status table in <Table 6>, in the collateral status table in <Table 4>, ‘Sadang-dong [25] [170-1] [28] [29] [90-1] Delete '[90-1] 301;701' from the address of [90-1] 201;301;701, and then register [90-1] 301;701, Sadang-dong, Dongjak-gu, Seoul. and adjust the appraised value. If the simplified address is not in the database, deletion of addresses, new registration, and adjustment of the assessed value must all be done manually.

5 and 6 show the implementation of <Table 5> and <Table 6> on the screen, respectively. Compared to the screen showing the original collateral status table of FIG. 5, it can be seen that the screen of the collateral status table of FIG. 6 improved according to the embodiment of the present invention is very concise. The collateral status can be displayed in less than one page, which is more concise compared to FIG. 5 .

7 is a diagram for explaining a service flow according to a third embodiment of the present invention, and FIGS. 8 to 18 are diagrams for explaining a service screen for each step of FIG. 7 .

(Assumption 3)

In the case of assumption 2 above, we would like to explain the case where the real estate at 'Sadang-dong 25' is modified to provide the second priority as collateral. <Table 7> shows the original collateral status table, and <Table 8> shows the improved collateral status table, respectively (unit: KRW million).

According to assumption 3, in the collateral status table, '25 Sadang-dong' was changed to provide the second priority for mortgage, and the lines were written differently. In addition, 170-1 Sadang-dong; 28; 29; The combined appraised value of line 90-1 No. 201 was KRW 17,000 million as the assessed value of '25 Sadang-dong' was deducted by KRW 5,500 million from KRW 22,500 million.

In this situation, as in assumption 2, if the above collateral status table preparation is text-based, that is, if it is included in Sadang-dong '[25] [170-1] [28] [29] [90-1] No. If each street address was entered as a single text rather than individual data, during the editing process, while registering the real estate 'Sadang-dong 25' in a new row, all information on the appraised value, mortgage ranking, and connected credit must be newly registered, and the 'Sadang-dong' [25] [170-1] [28] [29] [90-1] [201] For the information in the line, the address '25' address should be deleted and the calculation of the deduction of the appraised value should be corrected.

In the end, when it is necessary to revise the content already registered in the collateral registration process, the inconvenience of having to manually revise the relevant information occurs.

Although it is possible to register information on real estate for which collateral is provided in descriptive form, it is not possible to guarantee that this form will provide more convenience to users, and the purpose of the online service, such as a decrease in speed, as a database process by a separate man is required. and quality may be compromised.

As seen above, in order to achieve a concise display of the collateral real estate address, the collateral real estate must be grouped appropriately, related information is updated, and finally repeated addresses are simplified. In this case, the simplified address must be newly registered and changed during the assembly and recombination process.

In order to solve the above problems, the embodiment of the present invention manages the address so that the combination and recombination of real estate are processed based on the database, the system groups around the common collateral, and even after simplifying the address, When the entire address information is stored and modified, it is restored to the original address information, making it easy for users to modify their address or change the credit-real estate collateral connection.

In addition, as the address is converted into a database, it is possible to secure the ease of updating related information even when revising, and furthermore, to secure the scalability of connection to related data such as the real estate market price and the official price.

7 shows a flow chart of creating a database-based collateral status table.

The work flow largely includes real estate information input (S701), credit information input (S702), credit-real estate collateral connection (S703), review (S704), correction (S705) and confirmation (S706) operations.

In relation to the system business processing, the real estate information input (S701) assigns a serial number to the registered real estate and creates a real estate ledger. This is for the purpose of managing the real estate pool to be provided as collateral, calling and using the real estate list from the real estate ledger when linking loans and real estate collateral, relieving the hassle of repetitive input on pages that require address registration, and creating a database of real estate related information. .

Looking at the business processing of the credit information input (S702), a serial number is assigned to the registered credit and a credit ledger is generated. This is for the purpose of making a database of credit-related information. In addition, the loan-real estate collateral connection (S703) is: ① Create a loan-real estate collateral linked ledger, ② Grouping the jointly collateral-related real estate considering the mortgage order (given a collateral number and create a collateral ledger), ③ Implement address simplification (grouping unit) Address simplified collateral ledger is created), ④ address simplified collateral ledger information is collected (a collateral status table is created). The review (S704) performs business processing for providing information on the collateral status table, and aims to check for collateral registration errors. Correction (S705) performs business processing of providing a security ledger before address simplification and providing a business flow page that requires correction when requesting correction, and confirmation (S706) performs an operation of confirming the collateral status table. In the method of providing the secured ledger before address simplification, the information on the pre-simplification step (S713 collateral ledger) is stored and provided, and the corresponding real estate DB information (the real estate serial number information) of the simplified ledger is matched with the real estate ledger (S710) information. method to retrieve the full address.

In more detail, a method of implementing a database-based concise collateral status table will be described with a focus on the work flow, and an implementation example in the mobile-based user terminal device 100 will be given.

In the real estate information input (S701), when real estate information such as an address, real estate type, and collateral provision rank is input from the user, the system assigns a serial number to the registered real estate and creates a real estate ledger (S710). The real estate ledger is used as a pool to select the real estate that provides collateral when linking the loan and the collateralized real estate. record Addresses use a formalized address input tool to facilitate database processing. <Table 9> is a table showing the real estate ledger generated by the system.

8 and 9 show examples of registration of a mobile device. Touch the Add button on the screen to perform real estate registration through building name search. Those skilled in the art can easily understand it through the screen, so further description is omitted.

In the credit information input (S702), upon receiving credit information such as credit subject, amount, and period from the user, the system assigns a serial number to the registered credit and creates a credit ledger (S711). <Table 10> shows the system-generated credit ledger generated by the system as a table, and FIGS. 10 and 11 show examples of implementing it on the screen of the user terminal device 100 well.

In the loan-real estate collateral connection (S703), when receiving credit and real estate connection information from the user, the system creates a credit-real estate collateral connection ledger as a first step (S712). <Table 11> shows the loan-real estate collateral connection ledger generated by the system as a table, and FIG. 12 shows a registration example in a mobile device.

In the second step, the system groups common collateral based on the credit-real estate collateral connection status table, and creates a collateral ledger by assigning a collateral number (S713). <Table 12> shows a table to explain the grouping method created by the system, and the system groups real estate properties with the same composition and collateral provision order of the collateralized loan (credit provided as collateral), and assigns a collateral number. <Table 13> shows the collateral ledger generated by the system as a table.

In the third step, a security ledger with a simplified address is generated by omitting the repeated address part of the real estate belonging to each security number (S714). <Table 14> is a table to explain the security ledger before the simplification (S713) generated by the system, and <Table 15> shows the security ledger after the simplification (S714) . 13 shows an example in which <Table 15> is implemented as a screen.

When additional information such as real estate appraised value, market price, and mortgage setting amount is required to be displayed, it is simplified and the serial number of the stored real estate is used as the primary key, and related information is retrieved from the data table and implemented. It is corrected by updating information. 14 shows a process of fetching appraised value information from the DBMS to the simplified collateral ledger using the serial numbers (primary keys) of the real estate. In FIG. 14 , the real estate appraisal information system may mean the loan brokerage service device 120 of FIG. 1 , but an external device (eg, a server, etc.) that interworks with the loan brokerage service device 120 through the communication network 110 . It may mean a third-party device. 15 shows a screen reflecting appraised value information as an implementation example in a mobile device.

Finally, in the embodiment of the present invention, a collateral status table is generated (S715). The collateral status table is implemented in the form of <Table 16> by removing unnecessary information to users, such as real estate serial numbers, based on the simplified collateral ledger, and provided as an Excel or pdf file.

Looking at the review and correction operations ( S704 and S705 ), it is a step to check whether the real estate provided as collateral is computerized as intended for providing collateral or whether it is expressed in the collateral status table, and if it is wrong, it is corrected. The user calls and checks the collateral status table implemented on the mobile screen or the file implemented in pdf, excel, etc., and corrects any errors.

When looking at the implementation example in the mobile device of FIG. 16 , if you click the grouped real estate collateral loan view, you can see the loan information provided as collateral. As collateral 2, collateral is provided for working funds 1,3 facility funds 1,2,3.

In addition, looking at the implementation example of the collateral status table in the form of a pdf file in the mobile device of FIG. 17, the collateralized loan status of each collateral can be reviewed through the collateral status table in the form of a pdf file created in the system.

If a grouped and streamlined real estate collateral needs corrections, the system can call up the real estate ledger prior to simplification of that real estate collateral to make corrections. This is well illustrated in FIG. 18 .

When a user registers for revision, the system updates the related ledger according to the revision. The real estate ledger is updated when there is a change in address, real estate type, and collateral provision order, and when there is a change in collateral provision order and consolidated loan, the loan-real estate collateral linkage ledger is updated. After that, the system will update the real estate ledger → update the credit-real estate collateral connection ledger → real estate grouping, collateral number assignment, collateral ledger update → address simplification, simplified collateral ledger update → collateral status table update. Update the relevant ledger by performing the steps sequentially. 17 and 18 show this process well.

Subsequently, according to the fourth embodiment of the present invention, the real estate at 170-1 Sadang-dong among the security number real estate 2 {Sadang-dong [170-1] [28] [29] [90-1] 201, Dongjak-gu, Seoul} 2, no collateral → It is assumed that working capital 2 is modified to provide 1st priority collateral (Assume 4).

First, the credit-real estate collateral connection ledger is updated. This can be represented as in <Table 17>.

Then, before grouping, collateral number assignment, and simplification, the collateral ledger update operation is performed. <Table 18> and <Table 19> show this process.

In addition, address simplification and simplified security ledger update operations are performed, followed by update of the collateral status table. <Table 20> and <Table 21> show this, respectively.

Finally, a confirmation operation is performed (S706).

19 is a flowchart illustrating a driving process of the loan brokerage service apparatus of FIG. 1 .

Referring to FIG. 19 together with FIG. 1 for convenience of explanation, the loan brokerage service device 120 according to an embodiment of the present invention provides a real estate address related to users' real estate, an appraised value, a mortgage provision loan, a security provision ranking and a mortgage setting amount, etc. Stores real estate collateral information including (S1900). For example, it may include information such as a basic key given by the loan brokerage service device 120 . Such real estate collateral information may correspond to information currently used by financial institutions, and may be added, modified, or deleted at any time.

In addition, the loan brokerage service device 120 combines or recombines real estate according to certain (or designated, preset) conditions based on at least database address information when registering and modifying real estate collateral information in the user terminal device 100 . to group and briefly display the address information of the stored real estate address on the screen of the user terminal device 100 (S1910).

In addition to the above, the loan brokerage service apparatus 120 of FIG. 1 according to an embodiment of the present invention can perform various operations, and other detailed information has been sufficiently described above, so it will be replaced with the contents.

Let's look at more specific examples. For example, in the case of registration of 1,2,3,4 Yeoksam-dong as collateral, it is assumed that address information is not converted into a database and that the combination and grouping method of real estate are separately requested.

In the first step, the user is asked to combine 1, 2, and 3, 4, Yeoksam-dong, and group them into collateral 1 and collateral 2, respectively. Then, as requested, as shown in (b) of FIG. 20, a picture may be drawn and written.

But this time, I am asked to register by combining 1,2,3 and 4 in Yeoksam-dong, and grouping them into collateral 1 and collateral 2, respectively.

Then, the person in charge will change the collateral 1 of FIG. 20 (b), which has already been written, add 3 addresses to 1 and 2 Yeoksam-dong, and also change the collateral 2 to delete 3 Yeoksam-dong addresses, thereby satisfying the requirements. . All are handmade. Whenever there is a change, it should be done in this way.

The following is a description of the combination and grouping requirements of real estate as above, but when address information is converted into a database.

In the same situation, the person in charge may use the primary key information of the real estate for the first request to fill in the collateral 1 by calling a and b as requested, and calling c and d in the collateral 2 to fill it.

Similarly, for the second request, a, b, and c in Collateral 1 and d in Collateral 2 will be called and put. In this way, you can quickly and easily respond to any change requests. Even if there is a lot of other attached or linked information, it is easy and convenient to attach it using the primary key in this way.

In the above example, the combination and grouping of real estate was specified and instructed, but in an actual online environment, it is difficult in that the user has to plan and modify the combination and grouping like creation by himself, and the system does not support this. If not, the technical value of the present invention will be high because the automated system process of calculating and suggesting interest rates in the loan application will be impossible.

On the other hand, even though it has been described that all components constituting the embodiment of the present invention are combined or operated in combination, the present invention is not necessarily limited to this embodiment. That is, within the scope of the object of the present invention, all the components may operate by selectively combining one or more. In addition, although all the components may be implemented as one independent hardware, some or all of the components are selectively combined to perform some or all of the functions of the combined hardware in one or a plurality of hardware program modules It may be implemented as a computer program having Codes and code segments constituting the computer program can be easily deduced by those skilled in the art of the present invention. Such a computer program is stored in a computer-readable non-transitory computer readable media, read and executed by the computer, thereby implementing an embodiment of the present invention.

Here, the non-transitory readable recording medium refers to a medium that stores data semi-permanently and can be read by a device, rather than a medium that stores data for a short moment, such as a register, cache, memory, etc. . Specifically, the above-described programs may be provided by being stored in a non-transitory readable recording medium such as a CD, DVD, hard disk, Blu-ray disk, USB, memory card, ROM, and the like.

In the above, preferred embodiments of the present invention have been illustrated and described, but the present invention is not limited to the specific embodiments described above, and it is common in the technical field to which the present invention pertains without departing from the gist of the present invention as claimed in the claims. Various modifications may be made by those having the knowledge of, of course, and these modifications should not be individually understood from the technical spirit or perspective of the present invention.

100: user terminal device 110: communication network
120: loan brokerage service device 200: communication interface unit
210: control unit 220: real estate collateral processing unit
230: storage

Claims (8)

A storage unit for storing real estate collateral information including the real estate address, appraised value, mortgage provision loan, security provision or mortgage setting ranking and the amount of the mortgage in relation to the users' real estate; and
When registering and modifying the real estate collateral information in the user terminal device, at least the real estate is grouped by combining or recombining the real estate according to a preset condition based on the database (DB) address information, and the grouped and stored real estate a control unit that briefly displays address information of an address on the screen of the user terminal device;
The control unit, the real estate address information related to the real estate enters full address information including the lot number or the same number, and omits a common address other than the plurality of the lot number and the same number on the screen. Loan brokerage service device to display. A storage unit for storing real estate collateral information including the real estate address, appraised value, mortgage provision loan, security provision or mortgage setting ranking and the amount of the mortgage in relation to the users' real estate; and
When registering and modifying the real estate collateral information in the user terminal device, at least the real estate is grouped by combining or recombining the real estate according to a preset condition based on the database (DB) address information, and the grouped and stored real estate a control unit that briefly displays address information of an address on the screen of the user terminal device;
The control unit groups the real estate collateral information combined or recombined based on the information of the joint collateral relationship of the real estate, the mortgage setting order, and the mortgage setting amount as the preset condition and displayed on the screen of the user terminal device, the When the grouped and grouped real estate collateral information displayed on the screen, when the credit and collateral connection information, mortgage setting ranking information, and mortgage setting amount information are modified, the corrected real estate collateral information is separated or combined with other real estate collateral information, the user terminal device Loan brokerage service device displayed on the screen of delete delete The method of claim 1,
The control unit, when displaying the real estate collateral information on the screen, a loan brokerage service device for displaying the type and appraised value information of the real estate in the vicinity of the simplified address information. The method of claim 1,
The control unit, loan brokerage service device for displaying on the screen the entire address information of the pre-stored real estate when there is a request for modification from the user terminal device. Storing, by the storage unit, real estate collateral information including the real estate address, appraised value, collateral provision loan, collateral provision or mortgage setting ranking and the mortgage setting amount related to the users' real estate; and
When the control unit registers and corrects the real estate collateral information in the user terminal device, at least the real estate is grouped by combining or recombining the real estate according to a preset condition based on the database (DB) address information, and the grouped and stored real estate Including; briefly displaying the address information of the address on the screen of the user terminal device;
The control unit, when the grouping and collateral connection information, mortgage setting ranking information, mortgage setting amount information is modified in the real estate collateral information displayed on the screen, separate collateral information of the modified real estate or combine with other real estate collateral information to the driving method of the loan brokerage service device comprising the step of displaying on the screen of the user terminal device. Storing, by the storage unit, real estate collateral information including the real estate address, appraised value, collateral provision loan, collateral provision or mortgage setting ranking and the mortgage setting amount related to the users' real estate; and
When the control unit registers and corrects the real estate collateral information in the user terminal device, at least the real estate is grouped by combining or recombining the real estate according to a preset condition based on the database (DB) address information, and the grouped and stored real estate Including; briefly displaying the address information of the address on the screen of the user terminal device;
The control unit, the real estate address information related to the real estate enters full address information including the lot number or the same number, and omits a common address other than the plurality of the lot number and the same number on the screen. Displaying; a driving method of a loan brokerage service device comprising the.

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