KR102528493B1 - Customized mortgage loan interest rate diagnosis and financial counselor recommendation system using big data - Google Patents

Abstract

In the present invention, a plurality of financial company servers provides the latest mortgage loan product information of each financial company to the host server, presents the maximum loanable amount for each loan product through the user's input of mortgage real estate information, and proceeds with consultation on the selected loan product to provide safe collateral. A system for diagnosing a customized mortgage loan interest rate and recommending a professional financial counselor using big data is provided, which allows users to proceed with loans and convert to mortgage loan products with favorable interest rate benefits for users.

Description

Customized mortgage loan interest rate diagnosis and financial counselor recommendation system using big data}

The present invention relates to a system for diagnosing customized mortgage loan interest rates using big data and recommending financial advisors, and more particularly, to a system for diagnosing customized mortgage loan interest rates and finance using big data equipped with a host server for recommending customized mortgage loans. It is about a professional counselor recommendation system.

In general, a real estate mortgage loan refers to a loan in which real estate, such as an apartment, house, or land, which is a collateral, is provided as collateral to financial institutions such as banks or individuals, and then borrows a certain amount from the institution or individual.

These real estate mortgage loans provide basic data necessary for confirmation and appraisal of the person's ownership by submitting a certified copy of the real estate register, a copy of resident registration, and a copy of the lease agreement to a bank or other real estate mortgage lending institution. Depending on the type, the bank itself may estimate the appraisal or use the appraisal report from the appraisal agency to obtain loan approval from the financial institution.

These real estate mortgage loans include apartment mortgage loans, housing mortgage loans, and leasehold deposit loans, and there are a number of products that vary by financial institution.

Among these real estate mortgage loan products, there are online, that is, non-face-to-face products that can receive loans 100% non-face-to-face, online and offline, that is, hybrid products that must perform both non-face-to-face and face-to-face with customers.

In addition, the interest rate and loan amount limit of these real estate mortgage loan products are changed from time to time according to the government's real estate policy.

Therefore, customers who want to receive real estate mortgage loans often proceed with real estate mortgage loans after consulting with counselors specializing in real estate mortgage loans from financial institutions and private institutions, since there are many types of related documents and complex and numerous products.

Typically, real estate mortgage loan counseling includes online counseling and offline counseling, and online counseling is divided into system counseling and counselor counseling.

In the system counseling, the customer provides the amount of the real estate mortgage loan by using several factors (eg, the location of the real estate, current market price, rental information, etc.).

Counselor counseling connects the counselor and the customer, and the counselor and the customer conduct a call or have a mutual conversation through a messenger service.

In general, a conventional real estate mortgage loan information providing system performs and provides comprehensive housing mortgage loan product listing and filtering.

However, for real estate mortgage loans, each financial institution has different loan products and loan conditions, and even within the same financial institution, loan conditions may vary by region, time, and individual circumstances. The information providing system has a problem in that it cannot provide accurate loan information, only providing comprehensive housing mortgage loan product listing and filtering information.

In addition, it is necessary to compare loan products and apply the limit due to the frequent government real estate policy, but in the conventional real estate mortgage loan information providing system, policies must be manually applied and reflected, making it difficult for administrators to quickly apply policies. And, accordingly, there is a problem that the application is delayed.

In addition, since a general real estate mortgage loan information providing system provides a loan limit for only one financial institution, the customer has to directly find out the loan limit for each different financial institution, which is cumbersome and inconvenient.

In addition, since a general real estate mortgage loan information providing system cannot provide a reason for the possibility or impossibility of a loan, there is a problem in that it is impossible to set up accurate measures according to the possibility or impossibility of a loan to the customer.

In particular, the conventional real estate mortgage loan information providing system has difficulty in establishing measures for the impossibility of loans.

Accordingly, the present invention provides a host server that recommends a user-customized mortgage loan, an interest rate diagnosis server that diagnoses the interest rate of the mortgage loan currently being used by the user to reduce the burden of the loan interest rate, and a counselor who conducts professional counseling on the loan product selected by the user. We would like to present a system for diagnosing customized mortgage interest rates and recommending financial advisors using big data equipped with a matching server.

The present invention has been made to solve the above problems, and an object of the present invention is to provide a system for diagnosing customized mortgage loan interest rates and recommending financial counselors using big data equipped with a host server for recommending customized mortgage loans is to do

Another object of the present invention is to provide a system for diagnosing a customized mortgage interest rate and recommending a professional financial counselor using big data equipped with an interest rate diagnosis server for diagnosing the interest rate of a mortgage loan currently being used by a user.

Another object of the present invention is to provide a system for diagnosing a customized mortgage loan interest rate and recommending a specialized financial counselor using big data equipped with a counselor matching server that matches counselors for counseling on a loan product selected by a user.

Another object of the present invention is to provide a system for diagnosing a customized mortgage loan interest rate and recommending a professional counselor using big data equipped with a kiosk unit networked with a host server.

Another object of the present invention is to provide a system for diagnosing a customized mortgage loan interest rate and recommending a specialized financial counselor using big data equipped with a sliding transfer unit for mounting a resident registration card in order to confirm user's identity information.

Another object of the present invention is to provide a system for diagnosing a customized mortgage loan interest rate and recommending a specialized financial counselor using big data equipped with a foreign matter removal unit that removes foreign matter from a resident registration card in order to verify user identification information.

The object of the present invention is not limited to the tasks mentioned above, and other tasks not mentioned will be clearly understood by those skilled in the art from the following description.

A system for diagnosing a customized mortgage loan interest rate and recommending a professional financial counselor using big data according to an embodiment of the present invention for solving the above problems may include a host server for recommending a user-customized mortgage loan.

In one embodiment, the host server is network-connected to each of the plurality of financial company servers, and includes a loan communication unit capable of network communication with a financial company terminal and a user terminal, a data collection unit that collects user basic information, and loans from each financial company. A database unit that collects and stores product information, an update unit that updates and transmits the latest loan product information of each financial company to the database unit, a product comparison unit that compares loan product information of each financial company, loan product information, real estate policy information, and collateral After analyzing and calculating setting information and debt information, a loan amount calculation unit may be included to calculate a maximum loanable amount for each loan product based on the loan product information compared by the product comparison unit.

In one embodiment, the basic information includes real estate address, real estate purchase price, real estate balance due date, tenant existence, required amount, loan execution date, title holder information, and debtor information, and the loan communication unit transmits information from each of a plurality of financial company servers to the financial company. Transmitting and receiving information on mortgage loan products executed by the user terminal, receiving information related to mortgage loans through a user terminal and transmitting and receiving information to each of a plurality of financial company servers, and selecting a loan product selected by the user based on the calculated amount of the loan amount calculation unit. and a feature of executing; wherein the data collection unit collects user's basic information; and the database unit includes a plurality of financial institution servers. Collecting and storing loan product information being executed from each; and the update unit requests the latest loan product information from each of a plurality of financial company servers based on the loan product information stored in the database unit. and updating and storing the information in the database unit; and the product comparison unit comparing loan product information of each of a plurality of financial companies stored in the database unit; and calculating the loan amount. Analyzing and calculating loan product information, real estate policy information, collateral setting information, and debt information, and calculating the loanable limit for each loan product based on the loan product information compared by the product comparison unit after the analysis and calculation step may include a feature that runs

In one embodiment, the host server is connected to an interest rate diagnosis server for diagnosing the interest rate of the mortgage loan currently being used by the user and a counselor matching server for matching counselors for counseling on a loan product selected by the user. Further, the interest rate diagnosis server includes a user information input unit for requesting information input of a user using a mortgage loan product, a similar group comparison unit for comparing and analyzing interest rates of other users using a mortgage loan product similar to the current user, A similar product comparison unit that compares and analyzes products similar to the mortgage loan product currently in use and their interest rates, and a new loan product to the user by integrating the loan product information of each financial company compared by the product comparison unit through the host server. Including a recommended product recommendation unit, requesting information input from users of mortgage loan products, comparing and analyzing interest rates of other users' mortgage loans based on the input user information, similar to mortgage loan products currently being used by users Features of performing comparative analysis of products and their interest rates, integrating information on loan products of each financial company compared by the product comparison unit with analysis results, and recommending new loan products to users based on the comprehensive results Further, the counselor matching server provides a consultation application unit requesting input of information from a user for consultation related to the use of a mortgage loan product, and loan product information of each financial company compared by the product comparison unit through the host server to a plurality of A product information providing unit for providing counselors, a counselor determining unit for determining a counselor by providing detailed information on multiple counselors to a user, and a counseling transmission unit for automatically creating a consultation report based on the consultation progress history and transmitting it to the host server and requesting user input of information, providing loan product information compared by the product comparison unit to a plurality of counselors, providing detailed information on a plurality of counselors to the user, and determining a counselor by the user. , preparing a consultation report based on the consultation progress details after the consultation process, and transmitting the created consultation report to the host server.

In one embodiment, the system for diagnosing customized mortgage loan interest rates and recommending financial advisors using big data includes a kiosk unit that is network-connected to the host server and outputs a maximum loanable amount for each loan product in the loan amount calculation unit, The kiosk unit includes a display unit for outputting a loanable limit for each loan product on a screen, a unit body installed to protect the display unit and fixed from the ground, and a resident registration card installed on the unit body to scan and recognize the user's identity information. Includes an identity information verification unit, wherein the identification information verification unit is installed on the seating plate to seat a resident registration card, a scan recognition unit to scan and recognize the resident registration card seated on the seating plate, and interlocking with the scan recognition unit to scan the resident registration card It may include a sliding transfer unit for positioning the resident registration card as a recognition unit, and a foreign matter removal unit installed on the seat plate to interwork with the scan recognition unit to remove foreign substances for scanning and recognizing the located resident registration card.

In one embodiment, the sliding transfer unit is installed to be slidingly movable on the upper and lower ends of the seating plate and aligns the resident registration card, and is installed to be length-adjustable at the rear end of the seating plate to move the seating plate It may include a first adjusting part that moves in the front and rear directions, and a second adjusting part that is installed in an oblique direction to be able to adjust the length of the lower end of the seating plate and moves the seating plate in up and down directions.

In one embodiment, the aligning unit is built into the seating plate and has a sliding rail installed so that the aligning unit can be slidably moved, an aligning unit body provided in a square column shape to align the resident registration card, and protruding from both sides of the lower portion of the aligning unit body. a body protrusion for supporting the body of the aligner to slide on the sliding rail, a sliding wheel rotatably installed on the lower part of the body of the aligner to slide and move the body of the aligner along the sliding rail, and the seat It may include a driving unit built into the plate and transmitting driving force for moving the sliding wheel in forward and backward directions, and a driving motor generating driving force to drive the driving unit.

In one embodiment, the driving unit receives driving force from the driving motor to receive a rotatable driving gear, a winding gear spaced apart from the driving gear and rotatably installed at a predetermined interval, and installed to surround the driving gear and the winding gear to rotate A drive belt for driving, a drive shaft protruding from both sides of each of the drive gear and the take-up gear to be built-in and supported by the seating plate, and a gear support installed on the take-up shaft, installed on the take-up shaft to be wound and unwound, and the sliding It includes a sliding wire connected to a wheel shaft protruding from both sides of the wheel so as to be able to be wound and unwound, and the winding shaft and the wheel shaft have a disengagement prevention member at an end portion to prevent the sliding wire from escaping during unwinding and unwinding. features may be included.

In one embodiment, the first adjusting unit includes a rotation shaft inserted to rotate the seating plate, a rotation shaft bracket installed to fix the rotation shaft, a first extension shaft fastened to the rotation shaft bracket, and a rotation shaft of the first extension shaft. A support ring inserted into the front end to support the pivot shaft bracket on the seating plate, a first extension cylinder into which the first extension shaft is inserted to adjust the length, and a '∩' shape formed at the front end of the first extension cylinder. An extension rail bracket to be inserted, an extension rail fastened to the extension rail bracket and installed to slide by sliding protrusions protruding from both sides of the extension rail bracket, installed at the front end of the extension rail and adjusting the length of the first extension shaft An extension shaft support member preventing separation, a plurality of cylinder supports inserted at regular intervals in the longitudinal direction of the first extension cylinder from the rear end surface of the extension rail bracket to support the first extension cylinder, the first extension cylinder and a plurality of cylinder supports A first cylinder fixing part installed to fix the cylinder support of the dog to the unit body may be included.

In one embodiment, the second adjusting unit includes a second adjusting head installed to be angularly adjustable at a lower end of the seating plate, and a second coupling unit installed at a lower portion of the second adjusting head to adjust an angle of the second adjusting head. , A control plate installed under the second coupling part to support the second coupling part, a plate support installed under the control part plate at regular intervals, a first support plate sequentially installed under a plurality of plate supports, A second support plate and a third support plate, a plurality of second extension shafts inserted into corners of the first support plate to the third support plate so as to be able to adjust their length, and a plurality of second extension shafts second extension cylinders, each of which is inserted to adjust the length, and a fixing plate installed to fix the plurality of second extension cylinders to the unit body, and the second control head has coupling protrusions further formed on both sides to seat the second extension cylinders. It is combined with the plate, and the second pivoting part is further formed on both sides to adjust the angle of the seating plate.

In one embodiment, the sliding transfer unit operates when approaching the identity information verification unit to execute the loan amount calculation unit in the kiosk unit, and the length of the first adjusting unit and the second adjusting unit is extended so that the seating plate protrudes, and the second adjusting head and the second pivoting part of the second adjusting unit adjust the angle of the seating plate so that the resident registration card can be seated, and the resident registration card is seated on the seating plate, so that the first adjusting unit and the The second adjusting part may further include a feature of retracting the seating plate so that the scan recognition part recognizes the seat plate by reducing the length, and aligning the resident registration card so that the scan recognition part recognizes the resident registration card by sliding the aligning part in an up and down direction. there is.

In one embodiment, the foreign matter removal unit includes a support shaft protruding upward and retractably installed on the seating plate, a shaft protrusion formed along the longitudinal direction of both inner sides of the support shaft, and upper and lower portions of the support shaft. A rotational body movable in a direction and rotatably inserted, a rotational shaft inserted into the rotational body and capable of rotating the rotational body, and a gear protrusion formed on the circumference of the rotational shaft so as to be rotatably engaged with the shaft protrusion while being inserted into the circumference of the rotational shaft. A shaft gear for moving the rotating body in the up and down directions, an adjusting gear rotatably installed on both sides of the rotating body, each of the adjusting gears fastened in a horizontal direction and adjusting the angle according to the rotation of the adjusting gear A support shaft is inserted into one end of the support shaft, and the rotation shaft is fastened to the central portion to include a clamping rotation unit for clamping and rotating the resident registration card, and the rotation shaft includes a plurality of shaft coupling protrusions for engaging with the clamping rotation unit at the front end may include a feature in which is further formed.

In one embodiment, the clamping rotation part is fastened to both sides of the support shaft, and a 'c'-shaped clamping body fastened by the shaft coupling protrusion of the rotation shaft, and is detachable to upper and lower ends of the clamping body, respectively. A clamping head protruding upwards and downwards of the clamping head to clamp the resident registration card, a first extension gear built into the clamping head and driven to rotate, built into the upper and lower ends of the clamping body to rotate a driving second extension gear, a length adjusting shaft slidably coupled along the first extension gear and the second extension gear, a small solution tank built into the clamping head and storing a solution to wash the resident registration card; An 'L'-shaped solution pipe integrally connected to the solution tank and connected to supply the cleaning solution to the clamping protrusion, and a cleaning roller rotatably partially protrudingly fastened to the clamping protrusion and connected to the solution pipe from both sides The clamping body includes a shaft coupling member formed on a rear end surface of which shaft coupling grooves are formed in correspondence with the shaft coupling protrusion to fasten with the shaft coupling protrusion, and a cleaning solution is supplied from the solution pipe to both sides of the cleaning roller. A rotating shaft fixing member having a supply hole formed therein, and inserted into a central portion of the rotating shaft fixing member to engage a roller rotating shaft fastened to the cleaning roller to rotate the cleaning roller.

In one embodiment, the foreign matter removal unit operates when the resident registration card is seated on the seating plate in order to execute the loan amount calculation unit in the kiosk unit, and the clamping rotating unit clamps and fixes the resident registration card while rotating the rotation shaft to obtain the resident registration card. It is possible to switch forward and backward, and the length adjustment shaft moves the clamping head along the longitudinal direction of the resident registration card by rotation of the first extension gear and the second extension gear, and along the solution pipe in the solution tank. The supplied cleaning solution may be supplied to the cleaning roller so that the cleaning roller rotates to remove foreign substances from the resident registration card.

According to the present invention, a plurality of financial company servers provides the latest mortgage loan product information of each financial company to the host server, presents the loanable limit for each loan product through the user's input of mortgage real estate information, and proceeds with consultation on the selected loan product to secure safe A system for diagnosing a customized mortgage loan interest rate and recommending a professional financial counselor using big data is provided, which allows users to proceed with a mortgage loan and convert to a mortgage loan product with favorable interest rate benefits for users.

In addition, the user may select a financial company based on the user's own criteria during the process of selecting a financial company loan product.

In addition, by generating information on the experiences of existing users as big data, it can compare loan products from financial institutions and help them make various choices.

In addition, in a situation where the standards for Korean real estate government policies and products continue to change, new data learning can be implemented for each real estate policy version while managing the version of the search engine.

In addition, Bankmall search engine AI can analyze the data of all customers who visit the application, and can enhance the search engine by reflecting the data of users who have applied for mortgage loans as cumulative figures.

Effects according to the present invention are not limited by the contents exemplified above, and more various effects are included in the present invention.

1 shows a server relationship diagram of a system for diagnosing a customized mortgage loan interest rate and recommending a professional financial counselor using big data according to the present invention.
Figure 1a shows another server relationship diagram of a system for diagnosing customized mortgage loan interest rates and recommending financial advisors using big data according to the present invention.
Figure 2 shows another server relationship diagram of the system for diagnosing customized mortgage loan interest rates and recommending financial advisors using big data according to the present invention.
3 is a flowchart of a host server of a system for diagnosing a customized mortgage loan interest rate and recommending a professional financial counselor using big data according to the present invention.
Figure 3a shows another flow chart of a system for diagnosing a customized mortgage loan interest rate and recommending a professional financial counselor using big data according to the present invention.
4 is a flow chart of an interest rate diagnosis server of a system for diagnosing customized mortgage loan interest rates and recommending financial advisors using big data according to the present invention.
5 is a flowchart of a counselor matching server of a system for diagnosing a customized mortgage loan interest rate using big data and recommending a professional financial counselor according to the present invention.
6 is a flow chart of a host server and a kiosk unit of a system for diagnosing a customized mortgage loan interest rate and recommending a professional financial counselor using big data according to the present invention.
7 is a flow chart of a host server and a sliding transfer unit of a system for diagnosing a customized mortgage loan interest rate and recommending a professional financial counselor using big data according to the present invention.
8 is a flow chart of a host server and a foreign matter removal unit of a system for diagnosing a customized mortgage loan interest rate using big data and recommending a professional financial counselor according to the present invention.
9 illustrates an overall embodiment of the kiosk unit of the system for diagnosing customized mortgage interest rates and recommending financial advisors using big data according to the present invention.
10 illustrates embodiments of a sliding transfer unit of a system for diagnosing a customized mortgage loan interest rate and recommending a professional financial counselor using big data according to the present invention.
11 illustrates embodiments of a foreign matter removal unit of a system for diagnosing a customized mortgage loan interest rate using big data and recommending a professional financial counselor according to the present invention.

Hereinafter, various embodiments will be described in more detail with reference to the accompanying drawings. The embodiments described in this specification may be modified in various ways. Certain embodiments may be depicted in the drawings and described in detail in the detailed description. However, specific embodiments disclosed in the accompanying drawings are only intended to facilitate understanding of various embodiments. Therefore, the technical idea is not limited by the specific embodiments disclosed in the accompanying drawings, and it should be understood to include all equivalents or substitutes included in the spirit and technical scope of the invention.

Terms including ordinal numbers, such as first and second, may be used to describe various components, but these components are not limited by the above terms. The terminology described above is only used for the purpose of distinguishing one component from another.

In this specification, terms such as "comprise" or "having" are intended to indicate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, but one or more other features It should be understood that the presence or addition of numbers, steps, operations, components, parts, or combinations thereof is not precluded. It is understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, but other elements may exist in the middle. It should be. On the other hand, when an element is referred to as “directly connected” or “directly connected” to another element, it should be understood that no other element exists in the middle.

Meanwhile, a “module” or “unit” for a component used in this specification performs at least one function or operation. And a "module" or "unit" may perform a function or operation by hardware, software, or a combination of hardware and software. In addition, a plurality of “modules” or “units” other than “modules” or “units” to be executed in specific hardware or to be executed in at least one processor may be integrated into at least one module. Singular expressions include plural expressions unless the context clearly dictates otherwise.

In addition, in describing the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be abbreviated or omitted.

1 illustrates a server relationship diagram of a user-customized mortgage loan recommendation system according to the present invention.

Referring to FIG. 1 , the host server 10 may build a network to recommend a user-customized mortgage loan.

The host server 10 is networked with the interest rate diagnosis server 20 for diagnosing the interest rate of the mortgage loan currently used by the user and the counselor matching server 30 for matching counselors for counseling on the loan product selected by the user features may be included.

In addition, the host server 10 may be network-connected with the kiosk unit 100, user terminals, and a plurality of financial company terminals.

At this time, each of the plurality of financial company terminals may be network-connected to each financial company server.

2 shows another server relationship diagram of a user-customized mortgage loan recommendation system according to the present invention.

Referring to FIG. 2 , the host server 10 includes a loan communication unit 11, a data collection unit 12, a database unit 13, an update unit 14, a product comparison unit 15, and a loan amount calculation unit 16. can include

The loan communication unit 11 is network-connected to each of a plurality of financial company servers, and may communicate with financial company terminals and user terminals network-wise.

The data collection unit 12 may collect user's basic information.

In this case, the basic information may include a real estate address, a real estate purchase price, a real estate balance due date, whether there are tenants, a required loan amount, a loan execution date, title holder information, debtor information, and the like.

The database unit 13 may collect and store loan product information of each financial company.

The update unit 14 may update the latest loan product information of each financial company and transmit it to the database unit 13 .

The product comparison unit 15 may compare loan product information of each financial company.

The loan amount calculation unit 16 analyzes and calculates loan product information, real estate policy information, collateral setting information, and debt information, and then calculates the loanable limit for each loan product based on the loan product information compared by the product comparison unit 15. can

3 is a flowchart of the host server 10 of the user-customized mortgage loan recommendation system according to the present invention.

Step S110: The loan communication unit 11 transmits and receives security loan product information executed by the financial company from each of the plurality of financial company servers.

Step S120: The data collection unit 12 collects user's basic information.

Step S130: The loan communication unit 11 receives mortgage loan-related information through the user terminal and transmits and receives it to each of a plurality of financial company servers.

Step S140: The database unit 13 collects and stores loan product information being executed from each of a plurality of financial company servers.

Step S150: The update unit 14 requests the latest loan product information from each of a plurality of financial company servers based on the loan product information stored in the database unit 13.

Step S160: After updating the loan product information in the update unit 14, it is stored in the database unit 13.

Step S170: The product comparison unit 15 compares loan product information of each of a plurality of financial companies stored in the database unit 13.

Step S180: The loan amount calculation unit 16 analyzes and calculates loan product information, real estate policy information, collateral setting information, and debt information.

Step S190: After the analysis and calculation step, a loanable limit for each loan product is calculated based on the loan product information compared by the product comparison unit 15.

Step S200: Based on the calculated amount of the loan amount calculation unit 16, the loan product selected by the user is requested to be executed.

4 is a flowchart of the interest rate diagnosis server 20 of the user-customized mortgage loan recommendation system according to the present invention.

The interest rate diagnosis server 20 may include a user information input unit 21, a similar group comparison unit 22, a similar product comparison unit 23, and a product recommendation unit 24.

The user information input unit 21 may request information input of a user using a mortgage loan product.

The similar group comparison unit 22 may compare and analyze interest rates of mortgage loans of other users who use similar mortgage loan products to the current user.

The similar product comparison unit 23 may compare and analyze products similar to the secured loan product currently being used by the user and their interest rates.

The product recommendation unit 24 may recommend a new loan product to the user by integrating loan product information of each financial company compared by the product comparison unit 15 through the host server 10 .

At this time, unlike the host server 10, the interest rate diagnosis server 20 has an effect of allowing the user to switch to a loan product with a low interest rate based on the existing mortgage loan product of the user.

Accordingly, the user information input unit 21 executes a step for confirming the use details of a secured loan product under the user's name, and the data collection unit 12 collects information of a new user to determine whether a loan is possible.

In addition, the product comparison unit 15 compares mortgage loan products of each financial company for new implementation, and the similar product comparison unit 23 compares the current loan products according to user information.

Step S210: Request information input of the user of the secured loan product.

Step S220: Comparison and analysis of mortgage interest rates of other users who use similar mortgage loan products based on the input user information.

Step S230: Compare and analyze a product similar to the mortgage loan product currently being used by the user and its interest rate.

Step S240: A new loan product is recommended to the user by synthesizing loan product information of each financial company compared by the product comparison unit 15 through the host server 10.

5 is a flow chart of the counselor matching server 30 of the user-customized mortgage loan recommendation system according to the present invention.

The counselor matching server 30 may include a counseling application unit 31 , a product information providing unit 32 , a counselor determining unit 33 , and a consultation transmission unit 34 .

The consultation application unit 31 may request the user to input information to receive consultation related to the use of a mortgage loan product.

The product information provider 32 may provide loan product information of each financial company compared by the product comparison unit 15 to a plurality of counselors through the host server 10 .

The counselor determining unit 33 may determine a counselor by providing detailed information on a plurality of counselors to the user.

The consultation transmission unit 34 may automatically create a consultation report based on the consultation progress details and transmit it to the host server 10 .

Step S310: Request the user's information input.

Step S320: The jujube product information compared by the product comparison unit 15 is provided to a plurality of counselors through the host server 10.

Step S330: Detailed information on a plurality of counselors is provided to the user through the user terminal.

Step S340: The user determines a counselor through the user terminal.

Step S350: A consultation report is automatically created based on the consultation progress details and transmitted to the host server 10.

By presenting various loan product categories to users through the plurality of servers and functional units, not only loan interest rates and loan limits, but also product categories with characteristics suitable for the user's convenience are provided so that various products can be experienced and selected with a single inquiry. There is an effect.

In addition, there is an effect of providing a system with a high degree of freedom that can induce a replacement loan by selecting a desired loan when the user has several loans in use.

9 shows an overall embodiment of the kiosk unit 100 of the user-customized mortgage loan recommendation system according to the present invention.

Referring to FIG. 9 , the kiosk unit 100 may be network-connected to the host server 10 and may be configured to output a maximum loanable amount for each loan product in the loan amount calculation unit 16 .

In addition, the kiosk unit 100 may include a display unit 110, a unit body 120, and an identification information verification unit 130.

The display unit 110 may be provided to output a loanable maximum amount for each loan product on a screen.

The unit body 120 may be installed to protect the display unit 110 and be fixed from the ground.

The identity information verification unit 130 may be installed on the unit body 120 to scan and recognize the resident registration card to verify the user's identity information.

In addition, the identification information verification unit 130 may include a seating plate 140, a scan recognition unit 150, a sliding transfer unit 200, and a foreign matter removal unit 300.

Seating plate 140 may be provided to seat the resident registration card.

The scan recognition unit 150 may be provided to scan and recognize the resident registration card seated on the seating plate 140 .

6 is a flowchart of the host server 10 and the kiosk unit 100 of the user-customized mortgage loan recommendation system according to the present invention.

Step S410: The user settles the resident registration card on the identification information verification unit 130.

Step S420: The user's identity is confirmed by recognizing the resident registration card in the scan recognition unit 150.

Step S430: After verifying the identity of the user, the host server 10 is network-linked with the kiosk unit 100.

Step S440: The loan amount calculating unit 16 calculates a maximum loanable amount for each loan product.

Step S450: The loanable maximum amount is transmitted to the kiosk unit 100 through the host server 10.

Step S460: The display unit 110 outputs the loanable maximum amount for each loan product on the screen.

10 illustrates embodiments of the sliding transfer unit 200 of the user-customized mortgage loan recommendation system according to the present invention.

Referring to FIG. 10 , the sliding transfer unit 200 may be installed on the seat plate 140 to interwork with the scan recognition unit 150 to position the resident registration card with the scan recognition unit 150 .

In addition, the sliding transfer unit 200 may include an aligning unit 210 , a first adjusting unit 220 , and a second adjusting unit 240 .

The aligning unit 210 may be installed to be slidably movable on upper and lower portions of the upper surface of the seating plate 140 of the seating plate 140 to align the resident registration card.

In addition, the aligning unit 210 may include a sliding rail 211 , a body of the aligning unit 210 , a body protrusion 213 , a sliding wheel 214 , a driving unit 215 , and a driving motor 216 .

The sliding rail 211 may be installed in the mounting plate 140 so that the alignment unit 210 can be slidably moved.

Alignment unit 210 body may be provided in a square column shape to align the resident registration card.

The body protrusions 213 protrude from both sides of the lower part of the body of the aligning part 210 and may be formed to support the body of the aligning part 210 so as to slide on the sliding rail 211 .

The sliding wheel 214 may be rotatably installed below the body of the aligning unit 210 to slide the body of the aligning unit 210 along the sliding rail 211 .

The driving unit 215 is built into the seating plate 140 and may be provided to transmit a driving force for moving the sliding wheel 214 in forward and backward directions.

In addition, the driving unit 215 may include a driving gear 2151, a winding gear 2152, a driving belt 2153, a gear support 2154, and a sliding wire 2155.

The driving gear 2151 may be rotatably provided by receiving driving force from the driving motor 216 .

The winding gear 2152 may be rotatably provided with a spaced distance from the driving gear 2151 at regular intervals.

The driving belt 2153 may be installed to surround the driving gear 2151 and the take-up gear 2152 and rotate by rotation of the driving gear 2151 .

The gear support 2154 includes a drive shaft 2151a and a take-up shaft 2152a protruding from both sides of the drive gear 2151 and the take-up gear 2152 so that the drive unit 215 is built-in and supported on the seat plate 140. It may be provided to be installed in.

The sliding wire 2155 is installed on the take-up shaft 2152a so as to be able to be wound and unwound, and may also be connected to the wheel shaft 214a protruding from both sides of the sliding wheel 214 so as to be able to be wound and unwound.

The winding shaft 2152a and the wheel shaft 214a may include a feature in which a separation preventing member 214b is formed at an end portion to prevent the sliding wire 2155 from separating during unwinding and winding.

The drive motor 216 may be provided to generate a driving force to drive the drive unit 215 .

The first adjusting unit 220 may be installed at the rear end of the seating plate 140 so as to be able to adjust its length, and may be provided to move the seating plate 140 in forward and backward directions.

In addition, the first adjusting unit 220 includes a rotation shaft 221, a rotation shaft bracket 222, a first extension shaft 223, a support ring 224, a first extension cylinder 225, and an extension rail bracket 226 ), an extension rail 227, an extension shaft support member 228, a cylinder support 229, and a first cylinder fixing part 230.

The rotation shaft 221 may be inserted to rotate the seating plate 140 .

The pivoting shaft bracket 222 may be installed to fix the pivoting shaft 221 .

The first extension shaft 223 may be provided to be fastened to the pivot shaft bracket 222 .

The support ring 224 may be inserted into the front end of the first extension shaft 223 to support the rotation shaft bracket 222 on the seating plate 140 .

The first extension cylinder 225 may be provided so that the first extension shaft 223 is inserted so as to be adjustable in length.

The extension rail bracket 226 may be provided to be inserted into the front end of the first extension cylinder 225 in a '∩' shape.

The extension rail 227 may be installed to be coupled to the extension rail bracket 226 and slid by sliding protrusions 226a protruding from both sides of the extension rail bracket 226 .

The extension shaft support member 228 may be installed at the front end of the extension rail 227 to prevent the first extension shaft 223 from being separated by length adjustment.

A plurality of cylinder supports 229 may be provided to support the first extension cylinder 225 by being inserted at regular intervals in the longitudinal direction of the first extension cylinder 225 at the rear end surface of the extension rail bracket 226 .

The first cylinder fixing part 230 may be installed to fix the first extension cylinder 225 and the plurality of cylinder supports 229 to the unit body 120 .

The second adjusting unit 240 may be installed in an oblique direction at the lower end of the seating plate 140 so as to be adjustable in length, and may be provided to move the seating plate 140 in the upper and lower directions.

In addition, the second adjusting unit 240 includes the second adjusting head 241, the second adjusting unit 240, the adjusting unit plate 243, the plate support 244, the first support plate 245, and the second support. It may include a plate 246 , a third support plate 247 , a second extension shaft 248 , a second extension cylinder 249 , and a fixing plate 250 .

The second adjusting head 241 may be installed at the lower end of the seating plate 140 to be angularly adjustable.

In addition, the second adjusting head 241 may include coupling protrusions 241a further formed on both sides to engage with the seating plate 140 .

In addition, the second adjustment head 241 may include a feature in which second pivoting parts 241b are further formed on both sides to adjust the angle of the seating plate 140 .

The second coupler 242 may be installed below the second adjusting head 241 to adjust the angle of the second adjusting head 241 .

The control plate 243 may be installed under the second coupling portion 242 to support the second coupling portion 242 .

The plate support 244 may be provided to be installed under the control plate 243 at regular intervals.

The first support plate 245 , the second support plate 246 , and the third support plate 247 may be sequentially installed below the plurality of plate supports 244 .

A plurality of second extension shafts 248 may be inserted into each corner of the first support plate 245 to the third support plate 247 so as to be able to adjust their length.

The second extension cylinder 249 may be provided so that each of the plurality of second extension shafts 248 is inserted to adjust the length.

The fixing plate 250 may be installed to fix the plurality of second extension cylinders 249 to the unit body 120 .

The assembly relationship according to the above configurations and the effect of the embodiment are described in detail as follows.

In the sliding transfer unit 200, the sliding rail 211 is embedded in the seating plate 140.

The alignment unit 210 is assembled to slide on the sliding rail 211 .

In the aligning unit 210, body protrusions 213 are formed on both sides of the body of the aligning unit 210 and the body of the aligning unit 210, and sliding wheels 214 are assembled to the lower part of the body of the aligning unit 210.

Wheel shafts 214a protrude from both sides of the sliding wheel 214.

The driving unit 215 is embedded in the seating plate 140 .

In the drive unit 215, a take-up gear 2152 and a drive gear 2151 are disposed at regular intervals, and a drive belt 2153 is assembled to surround the take-up gear 2152 and the drive gear 2151.

Drive shafts 2151a protrude from both sides of the drive gear 2151, and take-up shafts 2152a protrude from both sides of the take-up gear 2152, so that the drive shaft 2151a and the take-up shaft 2152a are provided with a gear support ( 2154) is assembled to support.

Separation prevention members 214b and 2152b are formed on the take-up shaft 2152a and the wheel shaft 214a, and the sliding wire 2155 is assembled to be unwound and wound between the take-up shaft 2152a and the wheel shaft 214a.

A first adjusting unit 220 is assembled at the rear end of the seating plate 140 .

The first cylinder fixing part 230 is assembled so that the first adjusting part 220 is fixed to the unit body 120.

Based on the first cylinder fixing part 230, the first extension cylinder 225, the first extension shaft 223, the extension rail bracket 226, the support ring 224, and the rotation shaft 221 are assembled in this order.

Sliding protrusions 226a protrude from both sides of the extension rail bracket 226 so that the extension rail 227 is slidably assembled.

A cylinder support 229 is assembled to the first cylinder fixing part 230 along the longitudinal direction of the first extension cylinder 225 .

The second adjusting unit 240 is assembled to the lower end of the seating plate 140 .

The fixing plate 250 is assembled so that the second adjusting part 240 is fixed to the unit body 120 .

Based on the fixed plate 250, the second extension cylinder 249, the second extension shaft 248, the first support plate 245, the second support plate 246, the third support plate 247, the plate support 244, the control plate 243, the second coupling part 242, and the second control head 241 are assembled in this order.

On both sides of the second adjusting head, the second pivoting part 241b and the coupling protrusion 241a are protruded and assembled.

7 is a flow chart of the host server 10 and the sliding transfer unit 200 of the user-customized mortgage loan recommendation system according to the present invention.

Step S510: The user approaches the identification information verification unit 130.

Step S520: The first control unit 220 and the second control unit 240 protrude the seating plate 140 toward the user.

Step S530: The second adjusting unit 240 adjusts the angle of the seating plate 140.

Step S540: The user places the resident registration card on the identification information confirmation unit 130 (seating plate 140).

Step S550: The first adjusting unit 220 and the second adjusting unit 240 retreat the seating plate 140 toward the scan recognition unit 150.

Step S560: The alignment unit 210 slides and aligns the resident registration card.

In one embodiment, when a user approaches the kiosk unit 100, the length of the first adjusting unit 220 and the second adjusting unit 240 may be extended so that the seating plate 140 protrudes.

In one embodiment, while the first extension shaft 223 extends from the first extension cylinder 225, the sliding protrusion 226a slides along the extension rail 227 to extend the first control unit 220. .

In one embodiment, the second extension shaft 248 extends from the second extension cylinder 249 while the first support plate 245 to the third support plate 247 extend to extend the second adjuster 240. can make it

In one embodiment, the angle of the second coupling part 242 and the second adjusting head 241 is adjusted by the second pivoting part 241b so that the seating plate 140 can be positioned so that the user can easily mount the resident registration card. there is.

In one embodiment, the sliding wheel 214 of the alignment unit 210 slides along the sliding rail 211 to move the alignment unit 210 to align the resident registration card.

In one embodiment, the driving unit 215 is driven by the driving motor 216 so that the sliding wire 2155 and the sliding wheel 214 rotate forward and backward to slide and move the aligning unit 210 .

11 illustrates embodiments of the foreign matter removal unit 300 of the user-customized mortgage loan recommendation system according to the present invention.

Referring to FIG. 11 , the foreign matter removal unit 300 may be installed on the seating plate 140 to interwork with the scan recognition unit 150 to remove foreign matter for scanning and recognition of the resident registration card.

The foreign matter removal unit 300 includes a support shaft 310, a shaft protrusion 320, a rotation body 330, a rotation shaft 340, a shaft gear 350, an adjustment gear 360, a support shaft 370, and a clamping rotation unit. (380).

The support shaft 310 may be provided to be installed on the seating plate 140 so as to protrude and retract upwardly.

The shaft protrusion 320 may be formed along the longitudinal direction of both inner sides of the support shaft 310 .

The rotating body 330 may be provided to be movably inserted into the support shaft 310 in an upward and downward direction and rotatably.

The rotating shaft 340 may be inserted into the rotating body 330 to rotate the rotating body 330 .

In addition, the rotating shaft 340 may include a feature in which a plurality of shaft coupling protrusions 340a for coupling with the clamping rotation unit 380 are further formed at the front end.

The shaft gear 350 is inserted into the circumference of the rotating shaft 340, and a gear protrusion 350a is formed on the circumference so as to be rotatably engaged with the shaft protrusion 320 to move the rotating body 330 in the up and down directions. may be provided.

The control gear 360 may be provided to be rotatably installed on both sides of the rotating body 330 .

The support shaft 370 is coupled to each control gear 360 in a horizontal direction, and may be provided so as to be angularly adjustable according to rotation of the control gear 360 .

The clamping rotation unit 380 is inserted into one end of the support shaft 370 and the rotation shaft 340 is fastened to the central portion to clamp and rotate the resident registration card.

In addition, the clamping rotation unit 380 includes a clamping body 381, a clamping head 382, a clamping protrusion 383, a first extension gear 384, a second extension gear 385, a length adjustment shaft 386, a solution It may include a tank 387, a solution pipe 388, and a cleaning roller 389.

The clamping body 381 may be provided in a 'c' shape in which the support shaft 370 is fastened to both sides and fastened by the shaft coupling protrusions 340a of the rotation shaft 340.

In addition, the clamping body 381 may include a feature in which an axis coupling member 381b having an axis coupling groove 381a is formed on the rear end surface to correspond to the axis coupling protrusion 340a.

The clamping head 382 may be provided to be detachably fastened to the upper and lower ends of the clamping body 381, respectively.

The clamping protrusion 383 protrudes upward and downward from the clamping head 382 and may be provided to clamp the resident registration card.

The first extension gear 384 may be built into the clamping head 382 and driven to rotate.

The second expansion gear 385 may be provided to be built into the upper and lower ends of the clamping body 381 to rotate.

The length adjusting shaft 386 may be coupled to be slidably movable along the first extension gear and the second extension gear.

The solution tank 387 may be built into the clamping head 382 to store a solution for cleaning the resident registration card.

The solution pipe 388 is integrally connected to the solution tank 387 and may be provided in a 'L' shape connected to supply the cleaning solution to the clamping protrusion 383 .

The cleaning roller 389 may be rotatably coupled to the clamping protrusion 383 and partially protruded, and the solution pipe 388 may be connected at both sides.

In addition, both sides of the cleaning roller 389 may include a feature of coupling with the rotating shaft fixing member 390 having a supply port 390a to supply the cleaning solution from the solution pipe 388 .

In addition, both sides of the cleaning roller 389 are inserted into the central portion of the rotating shaft fixing member 390 to rotate the cleaning roller 389, and the roller rotation shaft 391 fastened to the cleaning roller 389 includes a feature of engaging with it. can do.

The assembly relationship according to the above configurations and the effect of the embodiment are described in detail as follows.

In the foreign matter removal unit 300 , support shafts 310 are inserted into both sides of the seating plate 140 .

The rotation body 330 is inserted into the support shaft 310, and the rotation shaft 340 into which the shaft gear 350 is inserted is inserted toward the rotation body 330 from the support shaft 310.

Control gears 360 are assembled to both sides of the rotating body 330 , support shafts 370 are assembled to the control gears 360 , and clamping bodies 381 are assembled to the support shafts 370 .

The clamping body 381 has a length adjustment shaft 386 built into the upper and lower ends toward the clamping head 382, respectively, and a first extension gear 384 and a second extension gear at both ends of the length adjustment shaft 386. 385 is rotatably assembled.

A clamping protrusion 383 is protruded and assembled to the clamping head 382, and at this time, the clamping protrusion 383 can protrude and retreat along the protrusion groove.

In addition, the clamping body 381 and the clamping head 382 are detachably assembled along the shaft coupling groove 381a of the shaft coupling protrusion 340a and the shaft coupling member 381b.

In the clamping head 382, the solution tank 387 and the solution pipe 388 are integrally connected and connected, and the cleaning roller 389 is embedded in the clamping protrusion 383.

The solution pipe 388 and the cleaning roller 389 are fastened by an assembled shape of the rotating shaft fixing member 390 and the roller rotating shaft 391 .

A cleaning brush is further formed on the circumference of the cleaning roller 389 to easily remove foreign substances from the resident registration card.

8 is a flow chart of the host server 10 and the foreign matter removal unit 300 of the user-customized mortgage loan recommendation system according to the present invention.

Step S610: The user settles the resident registration card on the identification information verification unit 130.

Step S620: The clamping rotation unit 380 clamps the resident registration card.

Step S630: foreign matter is removed from the resident registration card by the movement of the clamping head 382 and the rotation of the cleaning roller 389.

Step S640: The clamping rotation unit 380 rotates the resident registration card to switch the front and back sides.

Step S650: foreign matter is removed from the resident registration card by the movement of the clamping head 382 and the rotation of the cleaning roller 389.

In one embodiment, the support shaft 310 may protrude upward from the seating plate 140 .

In one embodiment, the adjustment gear 360 rotates to adjust the angle of the clamping rotation unit 380 to clamp the resident registration card.

In one embodiment, the height of the rotating body 330 can be adjusted so that the resident registration card can be clamped by moving in the upper and lower directions of the support shaft 310 .

In one embodiment, the first expansion gear 384 and the second expansion gear 385 are rotationally driven by control so that the clamping head 382 along the length adjusting shaft 386 is clamped by the clamping protrusion 383 on the resident registration card, The lower surface can be slid along the longitudinal direction.

In one embodiment, the cleaning solution from the solution tank 387 is supplied to the cleaning roller 389 through the solution pipe 388 so that the cleaning roller 389 rotates along the lower surface of the resident registration card to remove foreign substances. .

In one embodiment, after the clamping protrusion 383 clamps the resident registration card, the rotating body 330 rotates by the rotating shaft 340 to switch the front and back sides of the resident registration card.

Foreign substances on the resident registration card can be removed by driving the clamping head 382 and the cleaning roller 389 even after switching the front and back sides of the resident registration card.

In one embodiment, after removing foreign substances from the resident registration card, the control gear 360 reversely rotates to place the clamping rotation unit 380 in a vertical direction.

In one embodiment, the support shaft 310 may be retracted downward to the seating plate 140 to embed the clamping rotation part 380 into the seating plate 140 .

Although the preferred embodiments of the present invention have been shown and described above, the present invention is not limited to the specific embodiments described above, and is common in the art to which the present invention pertains without departing from the gist of the present invention claimed in the claims. Of course, various modifications are possible by those with knowledge of, and these modifications should not be individually understood from the technical spirit or prospect of the present invention.

host server(10)
Loan communication department (11)
Data collection unit (12)
Database unit (13)
Update unit (14)
Product comparison unit (15)
Loan Amount Calculation Unit (16)
Interest Rate Diagnosis Server (20)
User information input unit (21)
Similar group comparison unit (22)
Similar product comparison unit (23)
Product Recommendation Department (24)
Counselor Matching Server (30)
Consultation application department (31)
Product information providing unit (32)
Counselor Determination Unit (33)
Consultation transmission unit (34)
Kiosk unit (100)
display unit 110
unit body (120)
Identity information verification unit (130)
Seating plate(140)
Scan recognition unit 150
Sliding conveying unit (200)
Alignment unit 210
Sliding Rail(211)
Alignment body (212)
Body projection (213)
sliding wheels(214)
wheel axle (214a)
Separation prevention member (214b)
driving unit (215)
drive gear(2151)
drive shaft (2151a)
winding gear(2152)
take-up shaft (2152a)
Separation prevention member (2152b)
Drive Belt (2153)
Gear support (2154)
Sliding Wire (2155)
drive motor(216)
The first control unit 220
Pivot Axis(221)
Pivot Axis Bracket(222)
First extension shaft (223)
support ring(224)
First extension cylinder (225)
Extension Rail Bracket(226)
Sliding protrusion (226a)
Extension Rail(227)
Extension shaft support member (228)
Cylinder Support(229)
First cylinder fixing part (230)
Second control unit 240
Second adjusting head (241)
Coupling protrusion 241a
The second rotation part (241b)
Second coupling part 242
Adjustment plate(243)
Plate Support(244)
First support plate 245
Second support plate 246
Third support plate 247
Second extension shaft (248)
Second extension cylinder (249)
Fixed Plate(250)
Foreign matter removal unit (300)
support shaft (310)
Shaft projection (320)
rotating body (330)
Rotational axis(340)
Shaft coupling protrusion (340a)
Shaft gear (350)
Gear projection (350a)
Adjustment Gear(360)
support shaft (370)
Clamping Rotation (380)
clamping body(381)
Shaft coupling groove (381a)
Shaft coupling member (381b)
clamping head(382)
clamping lug(383)
1st expansion gear (384)
2nd extension gear (385)
Lengthening Shaft(386)
Solution Tank(387)
Fluid Pipe(388)
Cleaning Roller(389)
Rotating shaft fixing member (390)
Supply port (390a)
Roller Rotation Shaft(391)

Claims (3)

Host server for recommending custom mortgage loans;
In the customized mortgage loan interest rate diagnosis and financial counselor recommendation system using big data,
The host server,
a loan communication unit connected to each of a plurality of financial company servers through a network and capable of network communication with a financial company terminal and a user terminal;
a data collection unit that collects user's basic information;
A database unit for collecting and storing loan product information of each financial company;
an update unit for updating the latest loan product information of each financial company and transmitting the updated information to the database unit;
a product comparison unit that compares loan product information of each financial company;
a loan amount calculating unit that analyzes and calculates loan product information, real estate policy information, collateral setting information, and debt information, and then calculates a maximum loanable amount for each loan product based on the loan product information compared by the product comparison unit;
including,
The basic information is
Includes real estate address, real estate purchase price, real estate balance due date, tenant existence, required amount, loan execution date, title holder information, debtor information,
The loan communication department,
Transmitting and receiving security loan product information executed by a financial institution from each of a plurality of financial institution servers;
Receiving information related to a mortgage loan through a user terminal and transmitting and receiving information to each of a plurality of financial company servers;
Sending a loan product selected by the user based on the calculated amount of the loan amount calculation unit to a financial company server executing the corresponding product and requesting execution of the loan;
The data collection unit,
Collecting basic information of the user; includes a feature of executing;
The database unit,
Collecting and storing loan product information being executed from each of a plurality of financial company servers; including a feature of executing;
The update unit,
and requesting and updating the latest loan product information from each of a plurality of financial company servers based on the loan product information stored in the database unit, and storing the latest loan product information in the database unit;
The product comparison unit,
Comparing loan product information of each of a plurality of financial companies stored in the database unit;
The loan amount calculation unit,
Analyzing and calculating loan product information, real estate policy information, collateral setting information, and debt information;
Comprising a feature of executing; after the analysis and calculation step, based on the loan product information compared by the product comparison unit, calculating a maximum loanable amount for each loan product,

The host server,
An interest rate diagnosis server for diagnosing an interest rate of a mortgage loan currently being used by a user;
Counselor matching server for matching a counselor for counseling on a loan product selected by the user;
And further comprising a feature that is connected to the network,
The interest rate diagnosis server,
a user information input unit requesting information input of a user using a secured loan product;
A similar group comparison unit that compares and analyzes interest rates of mortgage loans of other users who use similar mortgage loan products to the current user;
A similar product comparison unit that compares and analyzes a product similar to the mortgage loan product currently being used by the user and its interest rate;
a product recommendation unit that recommends a new loan product to a user by integrating loan product information of each financial company compared by the product comparison unit through the host server;
including,
requesting information input from a user of a secured loan product;
Comparatively analyzing interest rates of other users' mortgage loans based on the input user information;
Comparatively analyzing a product similar to a mortgage loan product currently being used by the user and its interest rate;
synthesizing the analysis result and loan product information of each financial company compared by the product comparison unit;
recommending a new loan product to the user based on the comprehensive results;
Further comprising the feature of performing

The counselor matching server,
Consultation request unit for requesting the user's information input to receive consultation related to the use of a mortgage loan product;
a product information providing unit that provides loan product information of each financial company compared by the product comparison unit to a plurality of counselors through the host server;
a counselor determining unit for determining a counselor by providing detailed information on a plurality of counselors to the user;
a consultation transmission unit for automatically creating a consultation report based on consultation progress details and transmitting the report to the host server;
including,
requesting user input of information;
providing loan product information compared by the product comparison unit to a plurality of counselors;
providing detailed information on a plurality of counselors to the user;
determining a counselor by a user;
After the consultation, creating a consultation report based on the consultation progress details;
Transmitting the created consultation report to the host server;
A customized mortgage loan interest rate diagnosis and financial counselor recommendation system using big data, further comprising the feature of performing. delete According to claim 1,
a kiosk unit that is network-connected to the host server and outputs a maximum loan amount for each loan product in the loan amount calculation unit;
including,
The kiosk unit,
a display unit for outputting a loanable maximum amount for each loan product on a screen;
a unit body installed to protect the display unit and fixed from the ground;
an identification information verification unit installed in the unit body to scan and recognize a resident registration card to verify user identification information;
including,
The identification information verification unit,
A seating plate for seating a resident registration card;
a scan recognition unit for scanning and recognizing the resident registration card seated on the seating plate;
a sliding transfer unit installed on the seat plate to interlock with the scan recognition unit and positioning the resident registration card with the scan recognition unit;
including,
The sliding transfer unit,
an aligning unit that is slidably installed on the top and bottom of the upper surface of the seating plate to align the resident registration card;
A first adjusting unit installed at the rear end of the seating plate to be able to adjust the length and moving the seating plate in forward and backward directions;
a second adjusting unit installed in an oblique direction to be able to adjust the length of the lower end of the seating plate and moving the seating plate in up and down directions;
including,
The sorting unit,
a sliding rail built into the seating plate and installed to slide the aligning unit;
Alignment unit body provided in the shape of a square pillar to align the resident registration card;
body protrusions protruding from both sides of the bottom of the aligning unit body to support the sliding movement of the aligning unit body on the sliding rail;
a sliding wheel rotatably installed below the aligning unit body to slide and move the aligning unit body along the sliding rail;
a driving unit embedded in the seating plate and transmitting a driving force for moving the sliding wheel in forward and backward directions;
a driving motor generating driving force to drive the driving unit;
including,
the driving unit,
a driving gear rotatable by receiving driving force from the driving motor;
a take-up gear rotatably installed and spaced apart from the driving gear;
a drive belt installed to surround the drive gear and the take-up gear to drive rotation;
Gear supports installed on the drive shaft and the take-up shaft protruding from both sides of each of the drive gear and the take-up gear to be built-in and supported by the seating plate;
A sliding wire installed on the winding shaft to be wound and unwound and connected to the wheel shaft protruding from both sides of the sliding wheel to be wound and unwound;
including,
The winding shaft and the wheel shaft,
Including the feature that a separation prevention member is formed at the distal end to prevent the sliding wire from escaping during unwinding and winding,
The first controller,
a rotation shaft inserted to rotate the seating plate;
a pivoting shaft bracket installed to fix the pivoting shaft;
a first extension shaft fastened to the pivot shaft bracket;
a support ring inserted into the front end of the first extension shaft to support the rotation shaft bracket on the seating plate;
a first extension cylinder into which the first extension shaft is inserted to adjust the length;
an extension rail bracket inserted into the front end of the first extension cylinder in a '∩'shape;
an extension rail fastened to the extension rail bracket and installed to slide by sliding protrusions protruding from both sides of the extension rail bracket;
an extension shaft support member installed at a front end of the extension rail to prevent separation by adjusting the length of the first extension shaft;
a plurality of cylinder supports inserted at regular intervals in the longitudinal direction of the first extension cylinder from the rear end surface of the extension rail bracket to support the first extension cylinder;
a first cylinder fixing part installed to fix the first extension cylinder and the plurality of cylinder supports to the unit body;
including,
The second controller,
a second adjusting head installed at a lower end of the seating plate to be angularly adjustable;
a second coupling part installed below the second adjusting head to adjust an angle of the second adjusting head;
an adjusting unit plate installed under the second coupling unit to support the second coupling unit;
Plate supports installed at regular intervals under the control plate;
a first support plate, a second support plate, and a third support plate sequentially installed below the plurality of plate supports;
a plurality of second extension shafts inserted into corners of each of the first support plate to the third support plate to be adjustable in length;
a second extension cylinder into which each of the plurality of second extension shafts is inserted to adjust the length;
a fixing plate installed to fix the plurality of second extension cylinders to the unit body;
including,
The second control head,
Coupling protrusions are further formed on both sides to engage with the seating plate,
A second pivoting part is further formed on both sides to adjust the angle of the seating plate,
The sliding transfer unit,
Operates when the identity information verification unit is approached to execute the loan amount calculation unit in the kiosk unit;
The first adjusting part and the second adjusting part extend in length to protrude the seating plate,
The second adjustment head of the second adjustment unit and the second rotation unit allow the resident registration card to be seated by adjusting the angle of the seating plate,
When the resident registration card is seated on the seating plate, the length of the first adjusting unit and the second adjusting unit is reduced to retract the seating plate so that the scan recognition unit can recognize the resident registration card;
A system for diagnosing a customized mortgage interest rate and recommending a professional financial counselor using big data, further comprising a feature of aligning the resident registration card so that the scan recognition unit recognizes the resident registration card by sliding the alignment unit in the upper and lower directions.

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