KR102537296B1 - Method, apparatus, and recording medium of operating scholarship service - Google Patents

Abstract

The present disclosure relates to a method, apparatus, and recording medium for operating a scholarship service, which can determine a scholarship support section of a scholarship applicant. The method according to one embodiment of the present disclosure comprises: a step of receiving scholarship application information from a user terminal of the scholarship applicant―the scholarship application information includes information on a scholarship applicant and a family of the applicant; a step of determining family member information of the scholarship applicant based on the information on the scholarship applicant and the family of the applicant in the scholarship application information; a step of determining whether the scholarship applicant is a subject to foreign property and income reporting; a step of acquiring foreign property and income information on the scholarship applicant in response to the determination that the scholarship applicant is the subject to foreign property and income reporting; a step of acquiring approved income money of the scholarship applicant calculated based on the family member information of the scholarship applicant―the approved income money is calculated by additionally considering the foreign property and income information acquired for the scholarship applicant when the scholarship applicant is subject to reporting foreign property and income; and a step of determining a scholarship support section of the scholarship applicant based on the approved income money of the scholarship applicant.

Description

Method, device and recording medium for operating student loan service {METHOD, APPARATUS, AND RECORDING MEDIUM OF OPERATING SCHOLARSHIP SERVICE}

The present disclosure relates to a method, apparatus, and recording medium for operating a student loan service. More specifically, it relates to calculating a scholarship support section based on household member information and recognized income of a scholarship applicant.

Due to the development of communication technology, students apply for student loans online (e.g., national scholarships, student loans, national labor scholarships, law school scholarships, student loans for rural students, WEST, Blue Lighthouse Scholarships, etc.) A service that calculates and notifies the result is being used. The process of applying for student loans and evaluating whether or not you are eligible to receive student loans (especially the process of calculating the student loan support bracket according to your income or property) should be done fairly based on reasonable standards, but there are many exceptional circumstances such as complicated family situations for each individual student loan applicant. It is difficult to judge. In particular, if the applicant for student loans can be supported by the applicant's family, or if the applicant or his or her family has property and income outside of Korea, the student loans for the applicant are not paid or the amount needs to be adjusted. . Therefore, it is necessary to determine the student loan after verifying and verifying the applicant's family relationship or overseas property and income.

A technical problem to be solved through an embodiment of the present disclosure is to operate a student loan service system.

Another technical problem to be solved through an embodiment of the present disclosure is that the student loan service system accurately identifies the student loan applicant's household member information based on the family relationship information of government agencies such as the Supreme Court and the Ministry of Public Administration and Security according to reasonable standards, and then the student loan applicant is to determine the period of student loan support.

Another technical problem to be solved through an embodiment of the present disclosure is that the student loan service system determines the student loan support period of the student loan applicant by identifying not only domestic but also foreign property and income of the student loan applicant.

The technical problems of the present disclosure are not limited to the above-mentioned technical problems, and other technical problems not mentioned will be clearly understood by those skilled in the art from the description below.

A method for calculating a student loan support interval performed by a computer according to an embodiment of the present disclosure includes receiving student loan application information from a user terminal of a student loan applicant, wherein the student loan application information includes information about the student loan applicant himself and his family; determining household member information of the student loan applicant based on the student loan applicant's identity and family information in the student loan application information; based on the household member information, determining whether the student loan applicant is a foreign property and income report subject; obtaining information on foreign property and income of the student loan applicant in response to a determination that the student loan applicant is a subject to report overseas property and income; Obtaining the recognized income of the student loan applicant calculated based on household member information of the student loan applicant - The recognized income includes the foreign property and - Calculated by additionally considering income information; and determining a student loan support period for the student loan applicant based on the recognized income of the student loan applicant.

In an embodiment, the determining of the household member information of the student loan applicant may include requesting family relationship information of the student loan applicant from a first family relationship management server and a second family relationship management server; Receiving first family relationship information and second family relationship information from a server and the second family relationship management server, respectively, and the student loan applicant and family information on the student loan application information and the first and second family relationships The method may include comparing information and determining household member information of the student loan applicant according to a predetermined criterion.

In one embodiment, the first family relationship management server may be a Supreme Court server, and the second family relationship management server may be a Ministry of Public Administration and Security server.

In one embodiment, the student loan applicant and family information included in the student loan application information includes parent status information of the student loan applicant, and the first family relationship management server and the second family relationship management server send the student loan The requesting of the family relationship information of the applicant may further include determining which family relationship information is to be requested from among the student loan applicant and the parents based on the parent status information.

In one embodiment, the parental status information includes "alive", "death", "disappearance", "discontinuation of relationship after divorce", "foreigner, etc. (holder of unique identification number)" and "foreigner, etc. (person without unique identification number)" And it may include at least one of "no national identification number".

In one embodiment, the step of determining the household member information of the student loan applicant according to a predetermined criterion by comparing the student loan applicant's identity and family information and the first and second family relationship information in the student loan application information, and second family relation information determining whether the applicant is married or not, in response to determining that the student loan applicant is unmarried, in response to determining that the student loan applicant is unmarried, information about the student loan applicant, her parents, and siblings is added to the household member information. The method may further include including information about the student loan applicant himself/herself, spouse, and children in the household member information in response to determining that the student loan applicant is married.

In one embodiment, the step of determining whether the student loan applicant is a foreign property and income report subject includes the immigration information of the applicant himself and his family received from the immigration control server, and the second family relationship received from the second family relationship management server. The method may include determining whether the student loan applicant is a foreign property and income report target based on at least one of information and the student loan application information.

In one embodiment, the obtaining of overseas property and income information on the student loan applicant may include receiving a document file verifying the student loan applicant's overseas property and income from the user terminal or an external server; and determining foreign property and income information by analyzing the evidential document file through Optical Character Recognition (OCR), wherein analyzing the evidential document file determines the format of the received evidential document. and verifying validity of the received evidential document by comparing it with a pre-stored format, and the overseas property and income information may include one or more of property or income existence, property value, and income amount.

In an embodiment, the determining of the household member information of the student loan applicant may include receiving welfare qualification information indicating whether at least one of the student loan applicant and a family member has welfare qualifications from a welfare qualification management server; and including the received welfare entitlement information in household member information of the student loan applicant.

In an embodiment, the determining of the student loan support period of the student loan applicant may include determining the student loan support period by further considering the welfare entitlement information included in the household member information.

In one embodiment, the obtaining of the recognized income of the student loan applicant may include comparing the obtained recognized income amount with an recognized income amount determined when applying for a previous student loan for the student loan applicant; The method may include requesting recalculation of the recognized income for the student loan applicant when a difference between the acquired recognized income amount and the recognized income amount determined at the time of applying for the previous student loan is equal to or greater than a predetermined value.

In one embodiment, determining whether the student loan application information includes a request for continued use of the recognized income used in a previous student loan application; in response to determining that the student loan application information includes a request for continued use of the recognized income amount, determining whether the student loan applicant satisfies a condition for continued use of the recognized income amount; and suspending the calculation of the recognized income of the student loan applicant in response to a determination that the student loan applicant satisfies the condition for continued use of the recognized income.

In one embodiment, the condition for continuing to use the recognized income may include that household member information determined for the student loan applicant matches household member information determined at the time of previous student loan application.

In one embodiment, obtaining the recognized income of the student loan applicant; Transmitting a request for an recognized income amount together with the determined household member information and the overseas property and income information of the student loan applicant to a recognized income management server; and receiving the recognized income calculated on the basis of the household member information and the foreign property and income information from the recognized income management server.

In one embodiment, the recognized income amount received from the recognized income management server includes household member information determined for the student loan applicant based on family relationship information received by the recognized income management server from the first and second family relationship management servers. It may be calculated based on reconfirmed results.

In one embodiment, the step of determining the student loan support interval of the student loan applicant divides the student loan support interval according to the amount of recognized income, and according to the student loan support interval information in which the type or amount of student loan is designated for each student loan support interval, the student loan applicant It may include determining a student loan support interval based on the determined income recognition amount.

In one embodiment, transmitting a student loan support section determination result including the household member information, the overseas property and income information, the recognized income amount, and the student loan support section determined for the student loan applicant to the user terminal; Receiving an objection to a result of determining the student loan support section from the user terminal; and determining whether at least one of the household member information, the overseas property and income information, the recognized income amount, and the student loan support period for the student loan applicant is re-determined based on the objection.

In one embodiment, in response to the receiving of the student loan application information from the user terminal of the student loan applicant, based on the student loan application information, determining whether the corresponding student loan application is re-applied after cancellation; and in response to a determination that the student loan application is re-applied after cancellation: determining whether the user's household member has changed through a first family relationship management server and a second family relationship management server, and household members of the user. If it is determined that the information has not changed, the step of obtaining the recognized income is suspended, and in the step of determining the student loan support period of the student loan applicant, the recognized income received from the recognized income management server before canceling the student loan application is continuously used. The method may include determining a student loan support period of the student loan applicant.

Student loan calculation server apparatus according to an embodiment of the present disclosure includes a communication circuit for communicating with a user terminal; one or more processors; and one or more memories storing instructions that, when executed by the one or more processors, cause the one or more processors to perform operations, and when the instructions are executed by the one or more processors, the one or more processors, the present disclosure It can be configured to execute the method according to.

A non-transitory computer-readable recording medium according to an embodiment of the present disclosure is a non-transitory computer-readable recording medium recording instructions that, when executed by one or more processors, cause the one or more processors to perform an operation, and the instructions include: The above processor may be configured to execute the method according to the present disclosure.

According to the present disclosure, student loan service may be operated through a student loan service system.

According to the present disclosure, the student loan service system can accurately determine household member information of a student loan applicant based on family relationship information of government agencies such as the Supreme Court and the Ministry of Public Administration and Security according to a reasonable standard.

According to the present disclosure, the student loan service system may determine the student loan support period of the student loan applicant by identifying not only domestic but also foreign property and income of the student loan applicant.

Effects according to the technical idea of the present disclosure are not limited to the effects mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the description of the specification.

1 illustrates an environment to which devices according to an embodiment of the present disclosure may be applied.
2 is a block diagram of an electronic device according to an embodiment of the present disclosure.
3 is an operation flowchart illustrating a method for operating a student loan service according to an embodiment of the present disclosure.
4 is a flowchart illustrating a specific method for determining household member information of a student loan applicant in the method for operating a student loan service according to the present disclosure.
5A and 5B are tables showing criteria for determining final family relationship information of a student loan applicant based on family relationship information received from first and second family relationship management servers when the student loan applicant is married and unmarried, respectively.
6 is a flow chart illustrating a specific method for determining whether a student loan applicant is subject to report on foreign property and income and obtaining information on foreign property and income in the method of operating a student loan service according to the present disclosure.
7A and 7B are diagrams illustratively illustrating a method of extracting property or income information from an image of evidence for proving foreign property or income.

Various embodiments described in this disclosure are illustrated for the purpose of clearly explaining the technical spirit of the present disclosure, and are not intended to be limited to specific embodiments. The technical spirit of the present disclosure includes various modifications, equivalents, and alternatives of each embodiment described in the present disclosure, and embodiments selectively combined from all or part of each embodiment. In addition, the scope of rights of the technical idea of the present disclosure is not limited to various embodiments or specific descriptions thereof presented below.

Terms used in this disclosure, including technical or scientific terms, may have meanings commonly understood by those of ordinary skill in the art to which this disclosure belongs, unless otherwise defined.

Expressions such as "include", "may include", "include", "may have", "have", "may have", etc. used in the present disclosure refer to the target feature (eg eg, functions, operations or components), and does not preclude the existence of other additional features. That is, such expressions should be understood as open-ended terms that include the possibility of including other embodiments.

Expressions in the singular form used in the present disclosure may include plural meanings unless the context indicates otherwise, and this applies equally to expressions in the singular form described in the claims.

Expressions such as "first", "second", or "first" or "second" as used in this disclosure refer to a plurality of objects of the same kind, unless the context dictates otherwise, distinguishing one object from another object. It is used to do so, and does not limit the order or importance between objects. For example, a page according to the present disclosure may include "first estimated delivery time" and "second scheduled delivery time", "first shipment cut-off time" and "second shipment cut-off time", "first packing box type" and They may be distinguished from each other by being expressed as "the second packing box type" or the like.

As used herein, "A, B, and C", "A, B, or C", "A, B, and/or C" or "at least one of A, B, and C", "A, B Expressions such as "at least one of , or C", "at least one of A, B, and/or C" may refer to each listed item or all possible combinations of the listed items. For example, “at least one of A or B” can refer to (1) at least one A, (2) at least one B, and (3) both at least one A and at least one B.

As used in this disclosure, the expression "based on" is used to describe one or more factors that affect the act or operation of a decision, judgment, described in a phrase or sentence in which the expression is included, and the expression does not preclude additional factors from influencing the action or operation of that decision, judgment.

As used in the present disclosure, the expression that a certain component (eg, a first component) is “connected” or “connected” to another component (eg, a second component) means that any of the above It may mean that a component is not only directly connected or connected to the other component, but also connected or connected through another new component (eg, a third component).

The expression “configured to” used in this disclosure means “configured to”, “having the ability to”, “modified to”, “made to”, “to do”, depending on the context. can have meanings such as "can". This expression is not limited to the meaning of "specially designed in hardware", for example, a processor configured to perform a specific operation is a general purpose processor capable of performing that specific operation by executing software. It may mean a special purpose computer structured through programming to perform a specific operation.

The term "platform" used in this disclosure may refer to a tangible or intangible space that is used by users by integrating and managing services for the same or similar purpose, and although there are differences in detailed meaning, it is comprehensive. may be referred to interchangeably with "software", "application", "program", "tool" or "solution".

Hereinafter, various embodiments described in the present disclosure will be described with reference to the accompanying drawings. In the accompanying drawings and description of the drawings, identical or substantially equivalent components may be given the same reference numerals. In addition, in the following description of various embodiments, overlapping descriptions of the same or corresponding elements may be omitted, but this does not mean that the elements are not included in the embodiments.

1 shows a student loan period calculation system 100 according to an embodiment of the present disclosure. The student loan period calculation system 100 includes a student loan calculation server device 110, a user terminal 120, an immigration management server 130, a welfare qualification management server 140, a first family relationship management server 150, a second It may include a family relationship management server 160 and a recognized income management server 170, and they may communicate with each other by being connected through a network.

The student loan calculation server device 110 may be a server device configured to perform operations for operating student loan services. In one embodiment, the student loan calculation server device 110 receives the student loan application from the terminal 120 of the student loan applicant (eg, student), examines the student loan applicant's student loan eligibility (eg, the student loan applicant Determines the household members of the applicant, determines whether the student loan applicant is subject to report of overseas property and income, obtains the applicant's overseas property and income information, if necessary, and obtains the applicant's recognized income based on the applicant's household member information and foreign property and income; Calculating a student loan support period based on the obtained recognized income amount), and notifying the student loan review result to the user terminal 120 of the applicant. The student loan calculation server device 110 may transmit requests for necessary information to various server devices and receive necessary information from other server devices. Particularly, in one embodiment, the student loan calculation server device 110 includes the immigration control server 130, the welfare qualification management server 140, and the th It may be configured to communicate with the first family relationship management server 150, the second family relationship management server 160, or the recognized income management server 170.

The user terminal 120 may be a terminal of a student loan applicant. The user terminal 120 may be configured to transmit student loan application information to the student loan calculation server device 110 through a network and receive a student loan calculation result from the student loan calculation server device 110 . In one embodiment, the student loan application information may include an indication indicating that the applicant applies for student loans for the corresponding semester, and information about the applicant himself and his family. In one embodiment, the student loan application information is the applicant's marital status, the applicant's family information according to the marital status (eg, the applicant's parents and siblings information if unmarried, the applicant's spouse and children information if married) can include In one embodiment, the student loan application information may include parental status information indicating a current state of the applicant's parents and a relationship with the applicant. For example, the parental status information may include information about which state of each of the applicant's parents currently corresponds to "alive", "dead", "missing", and "parental divorce state". In one embodiment, the student loan application information may include nationality and/or personal identification information (eg, resident registration number for Korean nationals and unique identification number for foreigners) of the applicant and his or her family. In addition, the parental status information may include information on whether the parent is a foreigner, whether he or she has a unique identification number, whether he or she belongs to "foreigner, etc. (unique identification number holder)" or "foreigner, etc. (person who does not have a unique identification number)" can In addition, in one embodiment, the parental status information is a case that does not correspond to any of the above parental statuses, and when the parents are citizens of the Republic of Korea, there is no record of the parents from birth, or the parents' resident numbers, etc. If there is no relevant information, parents exist, but the student loan applicant is in a state of severance with both parents (e.g., a person recognized as a young person preparing for self-reliance in a childcare facility due to domestic violence, etc.), "no national identification number" as the above parental status information this may be included. In one embodiment, the student loan application information may include information indicating consent to use of the applicant's personal information for student loan review.

The user terminal 120 may be, for example, one of a computer, a laptop, a portable communication terminal (such as a smart phone), a portable multimedia device, a wearable device, or an HMD, but is not limited thereto. The user terminal 120 may include an input interface for receiving user input. In one embodiment, the input obtained by the user terminal 120 from the student loan applicant may include various types of input, such as a click using a mouse, a touch using a touch pad or touch screen, voice recognition, and other electronic inputs. The user terminal 120 may also include an output interface for displaying information received from the student loan calculation server device 110 to the user. For example, the user terminal 120 may receive information related to student loan calculation from the student loan calculation server device 110 and output it through an output interface.

The network includes a student loan calculation server device 110, a user terminal 120, an immigration control server 130, a welfare entitlement management server 140, a first family relationship management server 150, and a second family relationship management server 160. , It may serve to connect the recognized income management server 170 and other external devices. For example, the network includes the user terminal 120, the immigration management server 130, the welfare qualification management server 140, the first family relationship management server 150, the second family relationship management server 160, and the recognized income management. The server 170 may be connected to the student loan calculation server device 110 to provide an access path to transmit/receive packet data with the student loan calculation server device 110 . A network is any kind of wired or wireless network, for example, Local Area Network (LAN), Wide Area Network (WAN), Mobile Radio Communication Network, Wibro (Wireless Broadband Internet), etc. can be implemented as

The immigration management server 130 may be a server configured to manage immigration records in Korea or access a storage in which immigration information is stored. For example, the immigration management server 130 may be a Ministry of Justice server. The immigration control server 130 may be configured to transmit immigration information on a specific person to the student loan calculation server device 110 in response to a request for immigration record information on a specific person from the student loan calculation server device 110 . In one embodiment, the immigration record information may include information about a specific person's nationality, entry date, and country of entry.

The welfare entitlement management server 140 may directly store welfare entitlement information of recipients of welfare benefits supported by the first institution, or may be configured to access storage in which such information is stored. For example, the first institution may be the Ministry of Health and Welfare. In one embodiment, the welfare qualification management server 140 may store welfare qualification information about those who are entitled to receive welfare benefits, such as basic livelihood, second-upper class, single-parent household, or the disabled. In one embodiment, welfare entitlement management server 140 may be configured to provide welfare entitlement information regarding whether the student loan applicant and/or family member is a recipient of welfare benefits in response to a request from student loan calculation server device 110. there is.

The first family relationship management server 150 is configured to directly store first family relationship information managed by a second institution or to access storage in which such family relationship information is stored. In one embodiment, the second institution is the Supreme Court, and the first family relationship information provided by the first family relationship management server 150 may be the same as the family relationship information on the family relationship certificate issued by the Supreme Court. In one embodiment, the first family relationship management server 150 may be configured to provide first family relationship information of the student loan applicant in response to a request from the student loan calculation server device 110 .

The second family relationship management server 160 is configured to directly store second family relationship information managed by a third institution or to be able to access storage in which the second family relationship information is stored. In one embodiment, the third agency is the Ministry of Public Administration and Security, and the second family relationship information provided by the second family relationship management server 160 may indicate information of members constituting the same household, such as family relationship information on resident registration. . In one embodiment, the second family relationship management server 160 may be configured to provide second family relationship information of the student loan applicant in response to a request from the student loan calculation server device 110 .

The recognized income management server 170 may be configured to directly store income and property information of taxpayers managed by the fourth institution or to access storage in which such income and property information is stored. For example, the third institution may be the Ministry of Health and Welfare. The recognized income management server 170 and the welfare qualification management server 140 may be implemented as one server or may be implemented as a separate server.

In one embodiment, the recognized income management server 170 retrieves income and/or property information for the student loan applicant and household members based on the applicant's household member information received from the student loan calculation server device 110, and accordingly, the student loan applicant's income It can be configured to calculate the amount of recognition. In one embodiment, the recognized income management server 170 may be configured to calculate the recognized income of the student loan applicant by further referring to the applicant's foreign property and/or income information received from the student loan calculation server device 110 . In one embodiment, the recognized income may refer to the sum of the estimated income of the applicant and some of the family's income and the income conversion value of the property. For example, the assessed income can be calculated by adding earned income, business income, property income, and other income. In addition, the income conversion value of the property may be calculated by multiplying the value obtained by subtracting the basic property amount and debt from the property (eg, general property, automobile, or financial property) by the income conversion rate. Here, the income conversion rate may be predetermined according to the type of property.

In one embodiment, if the applicant is unmarried, the recognized income management server 170 may be configured to calculate the recognized income by checking the property and income information of the applicant himself and his parents. In addition, in one embodiment, when the applicant is unmarried, the recognized income management server 170 may adjust the recognized income based on the applicant's sibling information. For example, if the applicant has many siblings, the amount of recognized income may be adjusted downward. On the other hand, in one embodiment, if the applicant is married, the recognized income management server 170 may be configured to calculate the recognized income by checking the property and income information of the applicant and spouse. In addition, in one embodiment, if the applicant is married, the recognized income management server 170 may adjust the recognized income based on the applicant's child information. For example, the recognized income management server 170 may lower the recognized income when the applicant has many children.

Meanwhile, the recognized income management server 170 may be configured to independently reconfirm household member information of the student loan applicant, separately from the student loan applicant's household member information received from the student loan calculation server device 110 . For example, the recognized income management server 170 receives the applicant's family relationship information from at least one of the first and second family relationship management servers 150 and 160 and the welfare qualification management server 140, and receives the applicant's household member information therefrom. can be reconfirmed. If the reconfirmed household member information does not match the household member information determined by the student loan calculation server device 110, for example, the household member who was alive at the time the household member determination unit 210 determines the household member information is the recognized income management server 170. ) may occur in the case of death at the time of reconfirming the household member. In an embodiment, when the reconfirmed household member information does not match the household member information determined by the student loan calculation server device 110, the recognized income management server 170 may notify the household member information discrepancy to the student loan calculation server device 110. there is. In this case, the student loan calculation server device 110 responds to receiving the household member information discrepancy notification from the recognized income management server 170, and the recognized income management server 170 reconfirms the household member information determined by the student loan calculation server device 110. It is updated according to the household member information and the recognized income management server 170 may be requested to calculate the recognized income again. In another embodiment, when the household member information reconfirmed by the recognized income management server 170 does not match the household member information determined by the student loan calculation server device 110, the recognized income management server 170 determines that the applicant's household member information is At this point, it is regarded as changed, and the recognized income of the applicant can be calculated based on the reconfirmed household member information. Accordingly, the recognized income of the student loan applicant can be calculated based on the most up-to-date household member information.

In one embodiment, the student loan calculation server device 110 is the immigration control server 130, the welfare entitlement management server 140, the first family relationship management server 150, the second family relationship management server 160, or the income Access may be granted in advance from an institution that operates the recognition amount management server 170 . In one embodiment, the student loan calculation server device 110 is the immigration control server 130, the welfare entitlement management server 140, the first family relationship management server 150, the second family relationship management server 160, or the income In transmitting and receiving information to the recognition amount management server 170, the transmitted and received information is automatically transmitted in an encrypted state and may be configured to be automatically decrypted after transmission is completed. In addition, the student loan calculation server device 110 includes the immigration management server 130, the welfare qualification management server 140, the first family relationship management server 150, the second family relationship management server 160, or the recognized income management server. When requesting information on multiple student loan applicants at (170), the number of requests per day may be limited. For example, when the student loan calculation server device 110 requests information on a plurality of student loan applicants from the immigration control server 130, the request for information may be limited to 100,000 or less per day. In one embodiment, the number of requests that the student loan calculation server device 110 can send to other servers per day may be determined based on the statistics of the number of requests previously sent to the corresponding server.

2 is a block diagram of a student loan calculation server device 200 according to an embodiment of the present disclosure. Hereinafter, the operation of the student loan calculation server device 200 will be described with reference to the student loan period calculation system 100 shown in FIG. 1 as an example.

In one embodiment, the student loan calculation server device 200 may include a household member determination unit 210 for determining household member information of the student loan applicant. In an embodiment, the household member determining unit 210 may obtain family information from student loan application information input by the applicant. In an embodiment, the household member determining unit 210 requests first family relationship information about the applicant from the first family relationship management server 150 and receives the first family relationship information from the first family relationship management server 150. can receive In addition, in an embodiment, the household member determining unit 210 requests second family relationship information about the applicant from the second family relationship management server 160, and the second family relationship information is received from the second family relationship management server 160. can receive

In an embodiment, the household member determining unit 210 may verify family information input by the applicant based on the first and/or second family relationship information. In an embodiment, the household member determination unit 210 may determine final household member information of the applicant by comparing the first and/or second family relationship information with family information on student loan application information. At this time, if the final household member information determined for the applicant is inconsistent with the family information in the student loan application information, the household member determination unit 210 may notify the applicant's user terminal 120 of the family information inconsistency and transmit a request for submitting explanatory data of the applicant. there is. In one embodiment, when the household member determining unit 210 determines that the final household member information of the applicant cannot be determined based on the first and/or second family relationship information, the user terminal 120 notifies this and requests the applicant to submit explanatory data. can transmit.

In one embodiment, the household member determination unit 210 may request the welfare qualification management server 140 to confirm whether the applicant and/or his or her family members have welfare qualifications. In one embodiment, welfare qualifications may include basic livelihood security recipients, the next poorest class, single-parent families, and/or the disabled. In an embodiment, the household member determination unit 210 may include welfare qualification information indicating that the applicant or a family member has welfare qualifications in the final household member information of the applicant.

The student loan calculation server device 200 may include a foreign property and income determination unit 220 for determining whether the student loan applicant is subject to report of foreign property and income. In one embodiment, the overseas property and income determination unit 220 receives information about whether the applicant or his/her family is a person registered as a foreign national in the resident registration form from the immigration control server 130, and the applicant himself and/or his/her family In the case of a person registered as a Korean national residing abroad, the applicant may be judged as a person subject to report of overseas property and income. In another embodiment, the overseas property and income determination unit 220 may determine that the applicant is a foreign property and income report subject if the applicant himself is indicated as a student admitted through the special screening for overseas Koreans in the student loan application information. In another embodiment, information on whether or not the applicant is a special admissions student for overseas Koreans is received from the school server (not shown) of the applicant, and if the applicant is a student for special admissions for overseas Koreans, the applicant reports overseas property and income. subject can be judged.

In one embodiment, the foreign property and income determining unit 220 may be additionally configured to acquire foreign property and income information on the student loan applicant determined to be subject to report on foreign property and income. In one embodiment, the overseas property and income determination unit 220 may be configured to receive overseas property and income proof documents from the user terminal 120 of the student loan applicant, and obtain overseas property and income information from the proof documents. In another embodiment, the foreign property and income determination unit 220 determines the country related to the foreign property and income of the applicant, and determines the applicant's foreign property and income from a server of an institution related to the country (eg, the embassy server of the country). It may be configured to receive files of supporting documents related to foreign property and income. In one embodiment, the foreign property and income determination unit 220 responds to a determination that the information related to foreign property and/or income of the applicant has failed to be received from the relevant country-related institution server (eg, the country-related institution server If it does not exist or if there is no information about the student loan applicant in the relevant country-related institution server), it may be configured to transmit a report request for foreign property or foreign income to the user terminal 120 .

In one embodiment, the foreign property and income determining unit 220 may analyze a document file related to foreign property and income through optical character recognition to determine the country in which the document is issued and the language of the country, and the determined country and language information to determine the applicant's overseas property and income from supporting documents. A method of analyzing a document file related to foreign property and/or income will be described in detail with reference to FIGS. 6 and 7 below.

The student loan calculation server device 200 may further include a student loan support period determining unit 230 for determining a student loan support period based on the recognized income of the student loan applicant determined by the recognized income amount management server 170. The student loan support section determining unit 230 may receive the recognized income of the applicant determined by the recognized income management server 170 .

In one embodiment, the student loan support section determination unit 230 transmits the student loan applicant and the final household member information of the applicant determined by the household member determination unit 210 to the recognized income management server 170, and the recognized income management server 170 ) may be configured to receive the recognized income calculated based on the property and income of the student loan applicant and household members from the recognized income management server 170 . In one embodiment, the student loan support section determining unit 230 is determined by the overseas property and income determining unit 220 so that the recognized income management server 170 also considers foreign property and income when determining the recognized income of the applicant. It may be configured to transmit the applicant's foreign property and income information to the recognized income management server 170 .

In one embodiment, the student loan support period determination unit 230 may be configured to determine a student loan support period for the student loan applicant based on the recognized income amount received from the recognized income amount management server 170 . In one embodiment, the student loan support period determining unit 230 may determine a student loan support period for the student loan applicant based on previously stored student loan support period information. In an embodiment, the student loan support section information may include information in which the student loan support section is divided according to the recognized income and the type and/or amount of the student loan is specified for each student loan support section.

In one embodiment, the student loan support period determination unit 230 may determine the student loan support period in consideration of the final household member information of the applicant indicating that the applicant or a family member has welfare qualifications. In one embodiment, the student loan support section determining unit 230 may include determining the student loan support section of the applicant as a specific section according to welfare qualifications of the applicant himself or his family. For example, when the applicant or a household member of the applicant is a basic livelihood security recipient, the student loan support period of the applicant may be determined as the maximum student loan support period. In one embodiment, an operation of obtaining the recognized income amount of the applicant from the recognized income management server 170 may be omitted according to the welfare qualification according to the final household member information of the student loan applicant.

Meanwhile, the student loan application information may include an indication of re-application for student loans indicating that the applicant is re-applying after canceling the existing student loan application. In one embodiment, the student loan calculation server device 200 determines the history of the student loan support segment determination process performed for the student loan application before cancellation when the student loan application information includes a re-application mark, and utilizes the previously determined information. can be configured. For example, the household member determination unit 210 may determine whether there is a change in household member information of the applicant determined before student loan cancellation by determining the household member information in the same manner as determining the household member information. Subsequently, when it is determined that the applicant's household member information has not changed, the student loan support section determination unit 230 continues to use the recognized income received from the recognized income management server 170 before canceling the student loan application to determine the applicant's student loan support section. can decide In one embodiment, if the student loan support period determining unit 230 requests the recognized income amount of the applicant from the recognized income management server 170 but has not yet received the recognized income amount, the recognized income amount determined from the recognized income management server 170 When receiving the , the student loan support period of the applicant may be determined based on the recognized income. Thus, if the recognized income amount has already been determined in the recognized income management server 170 before canceling the student loan application or the decision is in progress, the recognized income amount can be used as it is when reapplying for student loans, thereby preventing duplicate work for determining the recognized income amount. there is.

On the other hand, if the household member determination unit 210 determines that the applicant's household member information has changed at the time of re-application for student loans, the applicant's final household member information is updated, and the overseas property and income determination unit 220 and/or the student loan support section determination unit Updated household member information may be delivered to (230). Accordingly, the overseas property and income determination unit 220 and/or the student loan support period determination unit 230 determines the foreign property and income determination target and the student loan support period again based on the updated household member information. In one embodiment, the student loan support period determining unit 230 may transfer updated final household member information to the recognized income management server 170 to request a new determination of the recognized income amount.

In one embodiment, the student loan calculation server device 200 includes one or more processors and memory, and the household member determining unit 210, the overseas property and income determining unit 220, and the student loan support section determining unit 230 calculate the student loan. It may be configured to operate through one or more processors and memories of the server device 200 . In one embodiment, at least one of the components of the student loan calculation server device 200 may be omitted or another component may be added to the student loan calculation server device 200 . In an embodiment, additionally or alternatively, some components may be integrated and implemented, or implemented as a singular or plural entity. In this disclosure, one or more processors may be referred to as processors. The expression "processor" may refer to a set of one or more processors, unless the context clearly dictates otherwise. In this disclosure, one or more memories may be referred to as a memory. The expression memory may mean a set of one or more memories, unless the context clearly dictates otherwise. In one embodiment, at least some of the internal/external components of the student loan calculation server device 200 are a bus, General Purpose Input/Output (GPIO), Serial Peripheral Interface (SPI), or Mobile Industry Processor Interface (MIPI). ), etc., and can exchange information (data, signals, etc.).

The student loan calculation server device 200 may include a communication circuit to communicate with a user terminal and an external device. The communication circuit may perform wireless or wired communication between the student loan calculation server device 200 and the terminal. For example, communication circuits include enhanced mobile broadband (eMBB), ultra reliable low-latency communications (URLC), massive machine type communications (MMTC), long-term evolution (LTE), LTE advance (LTE-A), NR ( New Radio), UMTS (Universal Mobile Telecommunications System), GSM (Global System for Mobile communications), CDMA (Code Division Multiple Access), WCDMA (Wideband CDMA), WiBro (Wireless Broadband), WiFi (Wireless Fidelity), Bluetooth (Bluetooth) ), Near Field Communication (NFC), Global Positioning System (GPS), or Global Navigation Satellite System (GNSS). For example, the communication circuit may perform wired communication according to a method such as Universal Serial Bus (USB), High Definition Multimedia Interface (HDMI), Recommended Standard-232 (RS-232), or Plain Old Telephone Service (POTS). there is. In one embodiment, the student loan calculation server device 200 may be implemented by being integrated with other devices. In this case, the communication circuit may function as a connection circuit or interface connecting the student loan calculation server device 200 and other devices.

The processor of the student loan calculation server device 200 may control at least one component of the student loan calculation server device 200 connected to the processor by driving software (eg, commands, programs, etc.). In addition, the processor may perform operations such as various calculations, processing, data generation, and processing related to the present disclosure. Also, the processor may load data or the like from memory or store data in the memory. Furthermore, the processor may transmit and receive various types of information to and from the user's terminal and an external device through a communication circuit. In one embodiment, the processor may control a communication circuit to transmit various types of information, such as information on various pages, to a user's terminal.

The memory of the student loan calculation server device 200 may store various information (data). The information stored in the memory is information acquired, processed, or used by at least one component of the student loan calculation server device 200, and may include software (eg, instructions, programs, etc.). Memory may include volatile and/or non-volatile memory. In the present disclosure, commands or programs are software stored in a memory, and various operating systems, applications, and/or applications for controlling resources of the student loan calculation server device 200 can utilize the resources of the student loan calculation server device 200. It may include middleware that provides functions to applications. In one embodiment, memory may store instructions that, when executed by a processor, cause the processor to perform an operation. The memory may store at least a portion of information received from the terminal through the communication circuit and/or information transmitted to the terminal through the communication circuit. The processor may store at least a portion of information received from the terminal through the communication circuit and/or information transmitted to the terminal through the communication circuit in a memory. Specifically, the memory stores various parameters and commands necessary to determine the student loan support period according to the applicant's application, and these various information can be updated. In one embodiment, the memory may store information about student loan support intervals in which types of student loans are determined for each income interval.

The student loan calculation server device 200 receives data to be transmitted to at least one component of the student loan calculation server device 200 from the outside and provides various data to the user of the student loan calculation server device 200 in a visual form. It may include input/output interfaces. For example, the input/output interface may be configured as an input device and an output device separately or integrally formed. The input device may include, for example, a mouse, keyboard, or touch pad. Also, the output device may include, for example, a display, a projector, a hologram, and the like.

Hereinafter, operations described in FIGS. 3 to 7B may be understood to be performed by the processors of the student loan calculation server devices 110 and 200 described in FIGS. 1 and 2 unless otherwise stated.

3 is an operation flowchart of a student loan service operation method 300 performed by the student loan calculation server device 200 according to an embodiment of the present disclosure. Hereinafter, a student loan service operating method 300 will be described with reference to the configuration of the student loan period calculation system 100 and the student loan calculation server device 200 shown in FIGS. 1 and 2 as an example.

The method 300 may include receiving, by the student loan calculation server device 200 , student loan application information from the user terminal 120 ( S310 ). Student loan application information may include information about the applicant himself and his family as described above. That is, in one embodiment, the student loan application information may include an indication indicating that the applicant applies for student loans for the corresponding semester, and information about the applicant himself and his family. In addition, in one embodiment, the student loan application information is the applicant's marital status, the applicant's family information according to the marital status (eg, the applicant's parents and siblings information if unmarried, the applicant's spouse and children information if married) ), and/or parent state information. In addition, in one embodiment, the applicant's nationality and / or personal identification information (eg, resident registration number in the case of Korean nationals, and unique identification number in the case of foreigners) of the applicant and his or her family may be included. In one embodiment, the student loan application information may include information indicating consent to use of the applicant's personal information for student loan review.

The method 300 may include determining, by the household member determining unit 210 of the student loan calculation server device 200, household member information of the applicant based on the student loan application information (S320). Determining the applicant's household member information is to consider the property and income information of not only the applicant himself but also family members who are deemed obligated to support the applicant's school expenses when calculating the student loan bracket. The student loan application information submitted by the student loan applicant includes the family information that the applicant entered directly. If the standards are not met, a process of correcting them may be necessary. In one embodiment, the family relationship information of the applicant is received from the first family relationship management server 150 and/or the second family relationship management server 160 shown in FIG. can be verified, and the final household member information of the applicant can be determined according to the criteria necessary for calculating actual student expenses. A specific method of determining the final household member information of the applicant will be described in detail with reference to FIG. 4 below.

In one embodiment, the step of determining household member information of the applicant by the household member determining unit 210 (S320) is when the household member determining unit 210 sends the welfare qualification management server 140 whether the applicant or his or her family member has welfare qualifications. It may include sending a confirmation request for. In one embodiment, welfare qualifications may include basic livelihood security recipients, the next poorest class, single-parent families, and/or the disabled. In one embodiment, when the applicant himself or his family has welfare qualifications, information on welfare qualifications may be included in the final household member information of the applicant.

The method 300 may include a step S330 in which the foreign property and income determining unit 220 of the student loan calculation server device 200 determines whether the applicant is a subject to report foreign property and income. This is to prevent those with significant income or property from overseas from receiving excessive student loans by considering not only domestic but also foreign income and property when calculating the student loan support section. In one embodiment, the overseas property and income determining unit 220 may determine the need to investigate the foreign income and property of the applicant and his/her family based on the final household member information of the applicant determined by the household member determining unit 210 . A detailed method for determining foreign property and income reporting targets (S330) will be described in detail with reference to FIG. 6 below.

In the method 300, if the applicant is determined to be subject to report on foreign property and income in step S330, the foreign property and income determination unit 220 adds a step (S340) of acquiring information on the foreign property and income of the applicant. can be included with In this case, in response to the notification that the applicant has been determined as a subject to report overseas property and income and that the overseas property and income determination unit 220 notifies the student loan support section determination unit 230 of the foreign property and income information obtained for the applicant. Thus, the method 300 may subsequently proceed to step S350 of obtaining a recognized income for the applicant. A specific method for acquiring foreign property and income information (S340) will be described in detail with reference to FIG. 6 below.

On the other hand, in step S330, if it is determined that the applicant is not subject to report on foreign property and income, the overseas property and income determining unit 220 notifies the student loan support section determining unit 230 of this decision, and method 300 may subsequently proceed to a step (S350) of obtaining a recognized income for the applicant.

The method 300 includes a step in which the student loan support period determining unit 230 obtains an recognized income of the applicant based on the final household member information determined for the student loan applicant (S350). The property and income of the student loan applicant, as well as some of the applicant's family members, can all be added to the applicant's recognized income. In one embodiment, in the step of obtaining the recognized income (S350), the student loan support section determining unit 230 transmits the applicant's final household member information to the recognized income management server 170, and the recognized income management server 170 It may include receiving the recognized income calculated based on this. In one embodiment, if the student loan applicant is unmarried, the amount of recognized income may be calculated based on the applicant's and parents' property and income. In addition, if the applicant for student loans is unmarried, the amount of recognized income may be adjusted based on information on brothers/sisters in the applicant's family. For example, as the number of brothers/sisters of the applicant increases, the recognized income may be adjusted downward. In one embodiment, if the applicant for student loans is married, the amount of recognized income may be calculated based on the property and income of the applicant and his or her spouse. In addition, in one embodiment, if the applicant is married, the recognized amount of income may be adjusted based on the applicant's child information. For example, the more children an applicant has, the lower the income recognition amount may be.

In one embodiment, the step of acquiring the recognized income (S350), the student loan support section determining unit 230 receives the applicant's foreign property and income information obtained in step S340 from the overseas property and income determining unit 220, In addition, the determined foreign property and income information can be additionally considered to calculate the applicant's recognized income. In one embodiment, the student loan support period determination unit 230 may transmit the applicant's overseas property and income amount to the recognized income management server 170 to be considered when calculating the applicant's recognized income amount.

In one embodiment, the student loan calculation server device 200 may store household member information and history information of the recognized income determined when applying for previous student loans for each student loan applicant (eg, when applying for student loans for the previous semester), so that the student loan support section determination unit 230 ) can access this history information to obtain the household member information and the recognized amount of income determined at the time of previous student loan application. Therefore, in one embodiment, the step of acquiring the recognized income (S350), the student loan support section determining unit 230 compares the recognized income obtained in step S340 with the previously determined recognized income, and the recognized income is equal to or greater than the predetermined value. If there is a difference in , it is possible to request recalculation of the recognized income to the recognized income management server 170 . On the other hand, in one embodiment, the student loan applicant may indicate in the student loan application information that they request the continuation of the recognized income used in the previous student loan application (e.g., when applying for student loans for the second semester, the student loan application for the immediately preceding first semester). Request to continue application of recognized income). In the method 300, the student loan calculation server device 200 may determine whether the student loan application information includes a request for continued application of the recognized income amount, and determine whether the corresponding student loan application satisfies a condition for continued application of the recognized income amount. In one embodiment, when the final household member information determined in step S320 matches the final household member information determined at the time of previous student loan application, it may be determined that the requirement for continued application of the recognized income is satisfied. In one embodiment, if the applicant's income recognition amount continues application requirements are satisfied, the process of calculating the recognized income amount is omitted/suspended, and the student loan support section determining unit 230 converts the recognized income amount used in the previous student loan application to the student loan applicant. It can be used as a recognized income. As described above, since the student loan calculation server device 200 may store history information of the household member information and the recognized income amount determined at the time of previous student loan application for each student loan applicant, the student loan support section determining unit 230 accesses such history information and It is possible to determine whether a household member has changed by comparing the determined household member information with the household member information determined in step S320.

The method 300 may include a step ( S360 ) of the student loan support period determining unit 230 determining the student loan support period of the student loan applicant. In one embodiment, in the step of determining the student loan support interval (S360), the student loan support interval may be determined based on the determined recognized income amount for the applicant. In one embodiment, since the student loan calculation server device 200 stores student loan support interval information according to the pre-stored recognized income, the student loan support interval determining unit 230 accesses the student loan support interval information to determine the student loan applicant. Depending on the amount of recognized income, the student loan support period can be determined.

Also, in one embodiment, the student loan support period determination unit 230 may determine the student loan support period of the applicant based on information that the applicant or household member has welfare qualifications in the household member information of the student loan applicant. For example, the student loan support period of the applicant may be determined as the maximum student loan support period according to the applicant's welfare qualification information. In one embodiment, the step of obtaining the recognized income of the applicant according to the applicant's welfare qualification information (S350) can be omitted.

In one embodiment, the method 300 may further include transmitting, by the student loan calculation server device 200 , a result of determining the student loan support period to the user terminal 120 . In one embodiment, the student loan support period determination result may include at least one of household member information, an recognized income amount, and a student loan support period determined for the student loan applicant. Further, in an embodiment, the method 300 may further include receiving, by the student loan calculation server device 200 , an appeal against a result of determining a student loan support period from the user terminal 120 . For example, the objection may include an objection against at least one of the determined household member information, foreign property and income information, reported income, and student loan support period determined for the applicant. In one embodiment, when an objection is received from the user terminal 120, determining whether to redetermine at least one of the applicant's household member information, foreign property and income information, recognized income, and student loan support section based on this. can include more. In one embodiment, the redetermination of household member information, foreign property and income information, recognized income and/or student loan support period is determined based on the information corrected according to the objection (S320), overseas property and income report target (S330) and obtaining information on foreign property and income (S340), obtaining recognized income (S350), and determining a student loan support interval (S360) may be performed again. In one embodiment, when the recognized income amount is re-determined, the re-determined recognized income amount is updated in the recognized income management server 170 .

In the flowcharts according to the present disclosure, each step of a method or algorithm is described in a sequential order, however, in addition to being performed sequentially, each step may be performed in an order that can be combined in any combination. Recitation of flowcharts or flow diagrams in this disclosure does not exclude changes or modifications to methods or algorithms, and does not imply that any steps are necessary or desirable. In one embodiment, at least some of the steps may be performed in parallel, iteratively or heuristically. In another embodiment, at least some steps may be omitted or other steps may be added.

4 is a flowchart illustrating a method 400 corresponding to the step S320 of determining household member information of the student loan applicant in the method 330 of FIG. 3 by way of example. Hereinafter, the method 400 may be performed by the household member determination unit 210 of the student loan calculation server device 200 of FIG. 2 , for example. Hereinafter, a method 400 for determining household member information will be described with reference to the configuration of the student loan period calculation system 100 and the student loan calculation server device 200 shown in FIGS. 1 and 2 as an example.

The method 400 includes the steps of requesting, by the household member determining unit 210, family relationship information on the student loan applicant from the first family relationship management server 150 and/or the second family relationship management server 160 (S410); It may include acquiring first and second family relationship information of the student loan applicant from the first family relationship management server 150 and/or the second family relationship management server 160 (S420). In one embodiment, the household member determination unit 210 receives family information directly input by the student loan applicant, but such family information may not correspond to actual facts and may not satisfy the household member criteria required for calculating the student loan category. can Therefore, based on the first and second family relationship information received from the first family relationship management server 150 and the second family relationship management server 160, the final household member information is determined according to the criteria necessary for calculating the student loan interval. Make it possible to verify family information in student loan application information.

In one embodiment, the step of requesting family relationship information on the student loan applicant (S410) is the first family relationship management server 150 and the second family based on which of the student loan applicant and his or her parents the household member determination unit 210 determines. A step of determining whether to request family relationship information from the relationship management server 160 may be included. In one embodiment, the family relationship information of the student loan applicant may request first and second family relationship information based on the student loan applicant himself/herself. However, when the parental status information included in the student loan application information corresponds to a predetermined specific case, the household member determining unit 210 may determine to request family relationship information based on the father or mother rather than the student loan applicant himself. For example, based on the parent status information included in the student loan application information, the household member determining unit 210 determines that the applicant's father is "alive" but the mother is "disappearing" or "disconnected after divorce", Based on the father of the applicant, family relationship information may be requested from the first family relationship management server 150 and/or the second family relationship management server 160 . On the other hand, if the household member determination unit 210 determines that the applicant's father is "disappearing" or "relationship severance after divorce" based on the student loan application information, but the mother is "alive", the family relationship information based on the student loan applicant's mother may be requested to the first family relationship management server 150 and/or the second family relationship management server 160 . Meanwhile, in an embodiment, when the household member determination unit 210 determines that one of the applicant's parents is a foreigner and the other is a Korean national based on the student loan application information, the first family relationship management server 150 and/or Alternatively, family relationship information may be requested from the second family relationship management server 160 based on parents who are citizens of the Republic of Korea.

This means that if there are special circumstances in the applicant's family relationship, if the family relationship information is verified based on the applicant himself, it is difficult to determine the applicant's true household member information (i.e., the information of the person who is truly obligated to pay school expenses to the applicant). This is to solve the problem of inevitably submitting additional explanatory data. For example, the student loan applicant's father may be displayed as the applicant's father on the first and second family relationship information received from the first and second family relationship management servers as a living state, but the applicant's parents are divorced and cannot be contacted. If the applicant's father is unable to support the applicant's school expenses due to a breakdown, the applicant's father shall not be recognized as a member of the applicant's household. In this case, if family relationship information is obtained based on the applicant's mother, there will be no information about the divorced spouse (ie, the applicant's father) in the relevant family relationship information, so family relationship information is obtained based on the mother, not the applicant himself. Upon request, the applicant's true household member information can be verified. In this way, by checking family relationship information centering on parents who are currently in a relationship with the applicant, not the applicant himself, it is possible to identify the applicant's true household member information without requesting additional explanatory data from the applicant.

In the method 400, the household member determination unit 210 obtains the student loan applicant and family information from the student loan application information and first and second family relationship management servers 150 and 160. 2 Comparing family relationship information and determining household member information of the student loan applicant according to a predetermined criterion (S430).

In an embodiment, the household member information determining step ( S430 ) includes the household member determining unit 210 receiving first and second family members from the first family relationship management server 150 and the second family relationship management server 160 , respectively. The method may include determining whether or not the student loan applicant is married based on at least one of the relationship information. In an embodiment, the household member determining unit 210 may determine whether or not the student loan applicant is married based on the spouse information on the family relationship information received from the first family relationship management server 150 . In one embodiment, the household member determining unit 210 may include information about the marital status of the student loan applicant in the final household member information of the applicant. In one embodiment, the student loan application information may include information about marital status directly input by the student loan applicant. At this time, the household member determination unit 210 determines whether the marital status information entered by the student loan applicant matches the spouse information obtained from the first family relationship management server 150, and if it does not match, the user terminal 120 sends Inconsistencies in marital status information may be notified and a request for clarification may be sent.

In addition, in the household member information determining step (S430), the household member determining unit 210 responds to the determination that the student loan applicant is unmarried, and includes a step of including information about the student loan applicant himself, his parents, and siblings in the household member information of the student loan applicant. can include more. In addition, in an embodiment, the household member information determining step (S430) includes the household member determining unit 210 including information about the student loan applicant himself/herself, spouse, and children in the student loan applicant's household member information in response to the determination that the student loan applicant is married. Further steps may be included.

In an embodiment, the step of determining household member information ( S430 ) may include a step of finally determining household member information of the student loan applicant by comparing family information in the student loan application information with first and second family relationship information. In one embodiment, since the first family relationship information is based on Supreme Court family relationship registration information while the second family relationship information is based on resident registration information managed by the Ministry of Public Administration and Security, the two may be different from each other. In addition, since the family information on the student loan application information is information directly written by the applicant, it may be inconsistent with the first and second family relationship information on the first and second family relationship servers 150 and 160 . Accordingly, when the first family relationship information and the second family relationship information do not match, the household member determining unit 210 may determine final household member information according to a predetermined criterion. A specific method of determining final household member information when the first and second family relationship information for the same applicant is inconsistent with each other will be described in detail below with reference to FIGS. 5A and 5B.

The method 400 may include a step in which the household member determination unit 210 notifies the user terminal 120 of a discrepancy between the family information included in the student loan application information and the finally determined household member information (S440). In one embodiment, the household member determination unit 210 may additionally include a step of notifying the user terminal 120 of an error in the family information of the applicant and transmitting a message guiding submission of materials to explain it.

5A and 5B are tables showing criteria for determining final household member information based on family relationship information received from the first and second family relationship management servers 150 and 160 when the student loan applicant is married and unmarried, respectively. As described above, the first and second family relation information are family relation and resident registration information managed by the Supreme Court and the Ministry of Public Administration and Security, respectively, and may not be completely identical to each other because their nature and management subject are different. In order to resolve this discrepancy, for example, the student loan calculation server device 110 compares the family information in the student loan application information with the first and second family relationship information according to the criteria shown in FIGS. 5A and 5B, and the applicant's household member information can be determined.

Table 501 shown in FIG. 5A shows that when the student loan applicant is unmarried, the family information on the student loan application information of the applicant is first family relationship information obtained from the first family relationship management server ("Supreme Court" information shown in FIG. 5A). and the second family relationship information obtained from the second family relationship management server (“Ministry of Public Administration and Security” information shown in FIG. 5A), respectively, according to the criteria for determining the final family relationship information of the applicant by the household member determining unit 210. represents one embodiment of. At this time, since the student loan applicant is unmarried, household member information of the applicant is determined to include information about the applicant's parents and siblings.

In an embodiment, the household member determination unit 210 may compare the family information in the student loan application information with the first and second family relationship information to determine whether they match. In FIGS. 5A and 5B , a criterion for determining household member information of an applicant according to whether family information in student loan application information matches first and second family relationship information is illustrated as an example.

In one embodiment, the household member determining unit 210, when the parent information according to the student loan application information matches the first family relationship information (cases 1 to 8 in FIG. 5A ), the first family relationship information is the applicant's household member information ( information on both parents and siblings). That is, when the parent information on the student loan application information matches the first family relationship information obtained from the Supreme Court server, the household member determining unit 210 determines the first family relationship information regardless of whether it matches the second family relationship information. You can determine the applicant's household member information accordingly. This is because it can be determined that the reliability of the first family relationship information is high if the parental information according to the student loan application information matches the parental information according to the first family relationship information obtained from the Supreme Court server.

In addition, in an embodiment, the household member determination unit 210 determines the second family when the parent information in the student loan application information does not match the first family relationship information but matches the second family relationship information (cases 9 to 12 in FIG. 5A ). Depending on the relationship information, the parental information of the applicant can be determined. In this case, whether sibling information in the student loan application information is determined based on which of the first and second family relationship information is determined may be determined by considering whether the sibling information in the student loan application information matches the second family relationship information. For example, when the sibling information in the student loan application information matches the second family relationship information (cases 9 and 11 in FIG. 5A ), the applicant's sibling information may be determined according to the second family relationship information. Also, for example, when the sibling information in the student loan application information is inconsistent with the second family relationship information (cases 10 and 12 in FIG. 5A), the applicant's sibling information may be determined according to the first family relationship information.

In addition, in one embodiment, the household member determining unit 210 determines whether the parent information in the student loan application information is inconsistent with both the first family relationship information and the second family relationship information (cases 13 to 16 in FIG. 5A ), the first and second family relationship information. 2 It may be determined that it is impossible to determine the applicant's household member information from the family relationship information. At this time, even if the sibling information in the student loan application information matches one or both of the first and second family relationship information (FIG. 5A cases 13 to 15), the applicant's sibling information is not related to the first and second family relationships. can be judged to be indeterminate. In one embodiment, in response to a determination that the parent information on the student loan application information is inconsistent with both the first family relationship information and the second family relationship information (cases 13 to 16 in FIG. 5A ), the household member determination unit 210 determines the user terminal You can send a request to submit an explanation for your family relationship to (120). This means that if the parental information in the student loan application information is inconsistent with both the first family relationship information and the second family relationship information, the family information or the first and second family relationships prepared by the applicant (regardless of whether the applicant's sibling information matches or not) This is because the reliability of the information is low and additional verification may be required.

The table 502 shown in FIG. 5B shows that when the student loan applicant is married, family information (ie, spouse and children information) included in the student loan application information of the applicant is first family relationship information obtained from the first family relationship management server. (“Supreme Court” information shown in FIG. 5B) and second family relationship information (“Ministry of Public Administration and Security” information shown in FIG. 5B) obtained from the second family relationship management server, respectively, the household member determining unit 210 It represents an embodiment of the criterion for determining the last household member information of the applicant.

In one embodiment, when the student loan applicant is married, the first and second family relationship information received from the first and second family relationship management servers 150 and 160 include information about the spouse and children of the applicant in the student loan application information. and child information. In one embodiment, the household member determining unit 210 determines the first family relationship information when the spouse information in the student loan application information matches both the first family relationship information and the second family relationship information (cases 1 to 3 in FIG. 5B ). The applicant's spouse information may be determined according to (in this case, the spouse information according to the second family relationship information is also the same). In this case, the applicant's child information may be determined based on the second family relationship information regardless of whether the child information in the student loan application information matches the first and second family relationship information. This is because, if the spouse information in the student loan application information matches both the first and second family relationship information, the child information is not yet reflected in the Supreme Court server, but is reflected in the resident registration information managed by the Ministry of Public Administration and Security server.

In one embodiment, the student loan calculation server device 110, when the spouse information in the student loan application information matches the first family relationship information but does not match the second family relationship information (cases 4 to 6 in FIG. 5B), the first Depending on the family relationship information, the applicant's spouse information can be determined. In this case, the applicant's child information indicates that it is impossible to determine the applicant's child information from the first and second family relationship information, regardless of whether the child information in the student loan application information matches the first and second family relationship information. can judge In this case, the household member determination unit 210 may transmit a request for submission of additional documents for child information to the user terminal 120 .

In one embodiment, the household member determination unit 210 determines that, when the spouse information in the student loan application information does not match the first family relationship information but matches the second family relationship information (cases 7 to 9 in FIG. 5B ), the second family Depending on the relationship information, the applicant's spouse information can be determined. In this case, the applicant's child information may be determined according to the second family relationship information regardless of whether the child information in the student loan application information matches the first and second family relationship information. This is because if the spouse information in the student loan application information matches the second family relationship information, it can be determined that the reliability of the second family relationship information is high.

In an embodiment, the household member determination unit 210 determines whether the spouse information in the student loan application information is inconsistent with the first and second family relationship information (cases 10 to 12 in FIG. 5B ), the first and second family relationship information. Based on this, it may be determined that it is impossible to determine information about the applicant's spouse and children. In this case, the household member determination unit 210 may transmit a request for submission of additional explanatory data for spouse information and child information to the user terminal 120 .

FIG. 6 illustrates a detailed operation of the method 600 for performing the determination of foreign property and income subject to report (S330) and the step of obtaining information on foreign property and income (S340) of the method 300 described with reference to FIG. It is a flow chart. The method 600 may be performed, for example, by the foreign property and income determining unit 220 of the student loan calculation server device 200 .

Method 600 may include determining whether the foreign property and income determination unit 220 determines whether the student loan applicant is subject to reporting foreign property and income (S610). In one embodiment, the foreign property and income determination unit 220 receives information on the nationality of the applicant and / or family from the immigration control server 130, and if the applicant or family is a person registered as a foreign national, the corresponding Applicants may be determined to be subject to overseas property and income reporting. In addition, in one embodiment, the foreign property and income determination unit 220 receives the immigration records of the student loan applicant and his/her family from the immigration management server 130, and if there is a record of immigration within a predetermined period, the foreign property and income of the applicant You can decide who to report. In addition, in one embodiment, the overseas property and income determination unit 220 may determine the applicant as a property and income report subject if the applicant is indicated as a student admitted through the special admission process for overseas Koreans in the student loan application information submitted by the student loan applicant. there is. In another embodiment, information on whether the applicant is a student enrolled in the special admission process for overseas Koreans may be received from the school server of the corresponding applicant.

On the other hand, in one embodiment, the overseas property and income determining unit 220 may determine whether the student loan applicant or his/her family corresponds to a basic livelihood recipient or the next upper class based on welfare qualification information in the household member information determined for the student loan applicant. there is. At this time, the foreign property and income determining unit 220 may determine that the applicant for student loans or their family members are not subject to report of foreign property and income when they are recipients of basic livelihood security or the next upper class.

In the method 600, if it is determined that the applicant is subject to foreign property and income reporting, the foreign property and income determining unit 220 obtains relevant documentary evidence to prove the foreign property and income of the applicant. It may be included (S620). In one embodiment, the obtaining of overseas property and income-related documents (S620) may include transmitting a request for overseas property and income proof documents to the user terminal and receiving overseas property and income proof documents from the user terminal 120. can In another embodiment, in the step of obtaining documentary evidence related to foreign property and income (S620), the country related to the applicant's foreign property and income is determined, and the foreign property and income of the applicant is determined from a server of an institution related to the country. This may include receiving supporting documents. For example, documentary evidence related to foreign property and income may be requested and delivered to the embassy server of a country where reporting of foreign property and income is determined to be necessary. In one embodiment, the country related to the foreign property and income of the applicant is information received from the immigration control server 130, or the second family relation server received from the second family relation management server 160, submitted by the applicant. The decision can be made based on the information related to admission to the special screening for overseas Koreans listed in the student loan application information. In one embodiment, documentary evidence related to foreign property and income may be requested and delivered to the embassy server of a country in which reporting of foreign property and income is determined to be necessary.

In another embodiment, the step of acquiring overseas property and income-related supporting documents (S620) transmits a request for overseas property and income-related documents to the user terminal 120 and receives overseas property and income-related documents from the user terminal 120. This may include receiving In another embodiment, sending the request for supporting documents to the user terminal 120 is in response to failure to receive information related to the applicant's foreign property and/or income from the relevant government agency (e.g., the relevant country agency server). does not exist, or if there is no information about the student loan applicant in the relevant country-related institution server).

In one embodiment, foreign property and income proof documents, for example, visa documents, income source certificates, property tax payments, etc. may correspond, but are not limited thereto, and various types of proof documents that can evaluate foreign income and property Based on this, foreign property and income information can be obtained.

The method 600 may include obtaining information on the applicant's overseas property and income from the documents verifying the foreign property and income received by the overseas property and income determining unit 220 in step S620 (S630). ). In one embodiment, obtaining overseas property and income information (S630) may include verifying the authenticity of the received documentary evidence. In one embodiment, since the student loan calculation server device 200 pre-stores information about the form of the property and income proof documents for each country stored in advance, the foreign property and income determination unit 220 accesses it to verify the received proof It can determine whether the document matches the pre-stored supporting document form. In one embodiment, if the received documentary evidence is inconsistent with the pre-stored form, the foreign property and income determination unit 220 may notify the user terminal 120 of such inconsistency and transmit a request for resubmission of the documentary evidence.

In one embodiment, the information on foreign property and income may include one or more of property and/or income existence, property value, and income amount. In one embodiment, documentary evidence related to foreign property and income may be analyzed through optical character recognition to determine the country in which the documentary is issued and the language of the country, and analyze the documentary evidence based on the determined country and language information. The applicant's overseas property and income status and amount can be determined. A detailed method of analyzing documentary evidence related to foreign property and income will be described in detail with reference to FIGS. 7A and 7B hereinafter.

In one embodiment, the foreign property and income information acquired in step S630 is transmitted to the student loan support section determining unit 230, so that it is transmitted to the recognized income management server 170 through the student loan support section determining unit 230. there is. As a result, the recognized income management server 170 may calculate the recognized income by additionally considering the applicant's foreign property and income information.

On the other hand, in the method 600, when it is determined in step S610 that the student loan applicant is not a foreign property and income report subject, this decision is notified to the student loan support section determining unit 230, and the recognized income step of method 300 is obtained ( S350) may proceed.

7A and 7B are documents verifying foreign property and income performed by the foreign property and income determination unit 220 in the foreign property and income information acquisition step (S630) of the method 600, according to an embodiment of the present disclosure. It is a diagram for explaining a method of analyzing the images 710 and 720 of and extracting foreign property or income information therefrom. In one embodiment, the analysis of the documentary evidence may include a series of processes of converting a text image of the documentary evidence into a machine-readable text format through optical character recognition. The evidential document images 710 and 720 showing foreign property and income information are documents having a specific format and may include, for example, a receipt of earned income withholding tax, details of income/personal income tax for the year of ownership, or a visa.

In one embodiment, through optical character recognition of the supporting document images 710 and 720, the country in which the supporting document is issued and the language of the corresponding country may be determined. In addition, in one embodiment, the type of the corresponding document may be determined through optical character recognition of the supporting document images 710 and 720 . In one embodiment, it is common for documents related to income and property issued in each country to be written in the language of each country and information is described according to a certain format. Therefore, the foreign property and income determining unit 220 stores in advance information on the language of each country and the format of various types of supporting documents, and according to the types of supporting documents determined from the supporting document images 710 and 720, the corresponding supporting document image ( 710,720), it is possible to determine the area in which information extraction is necessary for the determination of foreign property and income information. In addition, the electronic device pre-stores location information in which personal information (for example, passport number and name) is written in the supporting documents of each country, extracts the personal information from the supporting document images 710 and 720, and then provides evidence about the student loan applicant and family. Documents can be verified. If the supporting document image is verified as supporting documents related to the student loan applicant and family, property and income information may be extracted from an area determined to require extraction from the supporting document.

For example, FIG. 7A illustratively illustrates a supporting document image 710 corresponding to a visa document for the State of Israel. In one embodiment, the type of visa and availability of work may be displayed in the first area 711 of the document image 710 . At this time, based on the information extracted through optical character recognition from the first area 711 of the document image 710, the applicant or his or her family cannot work in the country, so it is determined that there is no income in the country. can decide

In addition, FIG. 7B shows an image of an image 720 of a supporting document corresponding to a receipt for withholding tax on earned income in Indonesia as an example. The image 720 of the earned income withholding receipt shown in FIG. 7B may be configured to display information representing income in the second area 721 . In one embodiment, the foreign property and income determination unit 220 may determine the amount of income (eg, 540 million rupiah (Rp)) based on the result of optical character recognition for the second area 721. . In one embodiment, it is also possible to configure the income amount extracted from the supporting document image to be determined in Korean won based on currency information and/or exchange rate information of the corresponding country.

According to the embodiments described above, even in the case of documentary evidence related to property and income issued in various countries using various languages, the type of documentary evidence can be quickly and accurately determined, and the amount of property and income in each country can be determined. It is possible to calculate the recognized income in Korean Won by converting it into Korean Won taking into account the currency and exchange rate.

Various embodiments according to the present disclosure may be implemented as software in a machine-readable storage medium. The software may be software for implementing various embodiments described in this disclosure. Software can be inferred from the various embodiments described in this disclosure by programmers skilled in the art. For example, software may be a program containing machine-readable instructions (eg, instructions, code or code segments). A device is a device capable of operating according to a command called from a storage medium, and may be, for example, a computer. In one embodiment, the device may be a computing device according to various embodiments described in this disclosure. In one embodiment, the processor of the device may execute the invoked command, causing components of the device to perform functions corresponding to the command. The storage medium may refer to all types of recording media in which data that can be read by a device is stored. The storage medium may include, for example, ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like. In one embodiment, the storage medium may be implemented in a distributed form such as a computer system connected to a network. In this case, the software may be distributed, stored, and executed in a computer system or the like. In another embodiment, the storage medium may be a non-transitory storage medium. A non-transitory storage medium means a tangible medium regardless of whether data is stored semi-permanently or temporarily, and does not include a signal propagated temporarily.

Although the technical idea according to the present disclosure has been described by various embodiments, the technical idea according to the present disclosure can be made in various substitutions, modifications and variations that can be understood by those skilled in the art. Include changes. It is also to be understood that such substitutions, modifications and alterations may be included within the scope of the appended claims.

Claims (20)

As a method for calculating the student loan support period performed by a computer,
Receiving student loan application information from a user terminal of the student loan applicant, wherein the student loan application information includes the student loan applicant's identity and family information;
determining household member information of the student loan applicant based on the student loan applicant's identity and family information in the student loan application information;
based on the household member information, determining whether the student loan applicant is a foreign property and income report subject;
obtaining information on foreign property and income of the student loan applicant in response to a determination that the student loan applicant is a subject to report overseas property and income;
Obtaining the recognized income of the student loan applicant calculated based on household member information of the student loan applicant - The recognized income includes the foreign property and Calculated by additionally considering income information -; and
Determining a student loan support period of the student loan applicant based on the recognized income of the student loan applicant
Including,
The step of determining the household member information of the student loan applicant,
requesting family relationship information on the student loan applicant from a first family relationship management server and a second family relationship management server;
receiving first family relationship information and second family relationship information from the first family relationship management server and the second family relationship management server, respectively; and
Determining household member information of the student loan applicant according to a predetermined criterion by comparing the student loan applicant's identity and family information and the first and second family relationship information in the student loan application information.
including,
The student loan applicant's identity and family information included in the student loan application information includes parental status information of the student loan applicant,
The step of requesting family relationship information on the student loan applicant from the first family relationship management server and the second family relationship management server,
Determining whether to request family relationship information based on the student loan applicant himself or his parents based on the parent status information
Including, method.
According to claim 1,
The parental status information includes "alive", "dead", "disappearance", "relationship break after divorce", "foreigner, etc. (holder of unique identification number)", "foreigner, etc. (person without unique identification number)", and "unique Korean at least one of "no number".
As a method for calculating the student loan support period performed by a computer,
Receiving student loan application information from a user terminal of the student loan applicant, wherein the student loan application information includes the student loan applicant's identity and family information;
determining household member information of the student loan applicant based on the student loan applicant's identity and family information in the student loan application information;
based on the household member information, determining whether the student loan applicant is a foreign property and income report subject;
obtaining information on foreign property and income of the student loan applicant in response to a determination that the student loan applicant is a subject to report overseas property and income;
Obtaining the recognized income of the student loan applicant calculated based on household member information of the student loan applicant - The recognized income includes the foreign property and Calculated by additionally considering income information -; and
Determining a student loan support period of the student loan applicant based on the recognized income of the student loan applicant
Including,
The step of determining the household member information of the student loan applicant,
requesting family relationship information on the student loan applicant from a first family relationship management server and a second family relationship management server;
receiving first family relationship information and second family relationship information from the first family relationship management server and the second family relationship management server, respectively; and
Determining household member information of the student loan applicant according to a predetermined criterion by comparing the student loan applicant's identity and family information and the first and second family relationship information in the student loan application information.
including,
The step of determining household member information of the student loan applicant according to a predetermined criterion by comparing the first and second family relationship information with the student loan applicant and family information in the student loan application information,
determining whether or not the applicant is married based on at least one of the first and second family relationship information;
in response to a determination that the student loan applicant is unmarried, including information about the student loan applicant himself/herself, parents, and siblings in the household member information; and
In response to a determination that the student loan applicant is married, including information about the student loan applicant himself/herself, spouse, and children in the household member information;
Including, method.
According to claim 3,
The first family relationship management server is a Supreme Court server,
The second family relationship management server is a server of the Ministry of Public Administration and Security.
As a method for calculating the student loan support period performed by a computer,
Receiving student loan application information from a user terminal of the student loan applicant, wherein the student loan application information includes the student loan applicant's identity and family information;
determining household member information of the student loan applicant based on the student loan applicant's identity and family information in the student loan application information;
based on the household member information, determining whether the student loan applicant is a foreign property and income report subject;
obtaining information on foreign property and income of the student loan applicant in response to a determination that the student loan applicant is a subject to report overseas property and income;
Obtaining the recognized income of the student loan applicant calculated based on household member information of the student loan applicant - The recognized income includes the foreign property and Calculated by additionally considering income information -; and
Determining a student loan support period of the student loan applicant based on the recognized income of the student loan applicant
Including,
The step of obtaining overseas property and income information for the student loan applicant,
Receiving the student loan applicant's overseas property and income document files from the user terminal or an external server; and
Determining foreign property and income information by analyzing the supporting document file through Optical Character Recognition (OCR)
Including,
Analyzing the supporting document file includes verifying the validity of the received supporting document by comparing the format of the received supporting document with a pre-stored format,
Wherein the foreign property and income information includes at least one of property or income, property value, and income amount.
According to claim 5,
The step of determining whether the student loan applicant is a subject to report overseas property and income,
Based on at least one of the immigration information of the applicant and his or her family received from the immigration management server, the second family relationship information received from the second family relationship management server, and the student loan application information, whether the student loan applicant is subject to overseas property and income reporting step to decide whether
Including, method.
As a method for calculating the student loan support period performed by a computer,
Receiving student loan application information from a user terminal of the student loan applicant, wherein the student loan application information includes the student loan applicant's identity and family information;
determining household member information of the student loan applicant based on the student loan applicant's identity and family information in the student loan application information;
based on the household member information, determining whether the student loan applicant is a foreign property and income report subject;
obtaining information on foreign property and income of the student loan applicant in response to a determination that the student loan applicant is a subject to report overseas property and income;
Obtaining the recognized income of the student loan applicant calculated based on household member information of the student loan applicant - The recognized income includes the foreign property and Calculated by additionally considering income information -; and
Determining a student loan support period of the student loan applicant based on the recognized income of the student loan applicant
Including,
Comparing the obtained recognized income amount with the recognized income amount determined when applying for previous student loans for the student loan applicant; and
Requesting recalculation of the recognized income for the student loan applicant when the difference between the earned recognized income and the recognized income determined at the time of applying for the previous student loan is greater than or equal to a predetermined value
Further comprising a method.
According to claim 7,
The step of determining the household member information of the student loan applicant,
receiving welfare qualification information indicating whether at least one of the student loan applicant and a family member has welfare qualifications from a welfare qualification management server; and
including the received welfare entitlement information in household member information of the student loan applicant;
Including, method.
According to claim 8,
The step of determining the student loan support period of the student loan applicant,
Determining the student loan support period by further considering the welfare qualification information included in the household member information
Including, method.
As a method for calculating the student loan support period performed by a computer,
Receiving student loan application information from a user terminal of the student loan applicant, wherein the student loan application information includes the student loan applicant's identity and family information;
determining household member information of the student loan applicant based on the student loan applicant's identity and family information in the student loan application information;
based on the household member information, determining whether the student loan applicant is a foreign property and income report subject;
obtaining information on foreign property and income of the student loan applicant in response to a determination that the student loan applicant is a subject to report overseas property and income;
Obtaining the recognized income of the student loan applicant calculated based on household member information of the student loan applicant - The recognized income includes the foreign property and Calculated by additionally considering income information -; and
Determining a student loan support period of the student loan applicant based on the recognized income of the student loan applicant
Including,
determining whether the student loan application information includes a request for continued use of the recognized income used in a previous student loan application;
in response to determining that the student loan application information includes a request for continued use of the recognized income amount, determining whether the student loan applicant satisfies a condition for continued use of the recognized income amount; and
In response to a determination that the student loan applicant satisfies the condition for continuing to use the recognized income, suspending the calculation of the recognized income of the student loan applicant
Further comprising a method.
According to claim 10,
The method of claim 1 , wherein the condition for continuing to use the recognized income includes that household member information determined for the student loan applicant matches household member information determined at a previous student loan application.
According to claim 10,
The step of obtaining the recognized income of the student loan applicant,
Transmitting a request for an recognized income amount together with the determined household member information and the overseas property and income information of the student loan applicant to a recognized income management server; and
Receiving the recognized income calculated on the basis of the household member information and the foreign property and income information from the recognized income management server.
Including, method.
According to claim 12,
The recognized income amount received from the recognized income management server is based on a result of reconfirming the household member information determined for the student loan applicant based on the family relationship information received by the recognized income management server from the first and second family relationship management servers. The method, which is calculated as .
According to claim 10,
The step of determining the student loan support period of the student loan applicant,
Dividing the student loan support interval according to the recognized income amount, and determining the student loan support interval based on the recognized income amount determined for the student loan applicant according to information on the student loan support interval in which the type or amount of the student loan is specified for each student loan support interval.
Including, method.
As a method for calculating the student loan support period performed by a computer,
Receiving student loan application information from a user terminal of the student loan applicant, wherein the student loan application information includes the student loan applicant's identity and family information;
determining household member information of the student loan applicant based on the student loan applicant's identity and family information in the student loan application information;
based on the household member information, determining whether the student loan applicant is a foreign property and income report subject;
obtaining information on foreign property and income of the student loan applicant in response to a determination that the student loan applicant is a subject to report overseas property and income;
Obtaining the recognized income of the student loan applicant calculated based on household member information of the student loan applicant - The recognized income includes the foreign property and Calculated by additionally considering income information -; and
Determining a student loan support period of the student loan applicant based on the recognized income of the student loan applicant
Including,
transmitting a determination result of a student loan support period including the household member information, the overseas property and income information, the recognized income amount, and the student loan support period determined for the student loan applicant to the user terminal;
Receiving an objection to a result of determining the student loan support period from the user terminal; and
Determining whether to redetermine at least one of the household member information, the overseas property and income information, the recognized income amount, and the student loan support period for the student loan applicant based on the objection
Further comprising a method.
According to claim 15,
The step of obtaining overseas property and income information for the student loan applicant,
Receiving the student loan applicant's overseas property and income document files from the user terminal or an external server; and
Determining foreign property and income information by analyzing the supporting document file through Optical Character Recognition (OCR)
Including,
Analyzing the supporting document file includes verifying the validity of the received supporting document by comparing the format of the received supporting document with a pre-stored format,
Wherein the foreign property and income information includes at least one of property or income, property value, and income amount.
As a method for calculating the student loan support period performed by a computer,
Receiving student loan application information from a user terminal of the student loan applicant, wherein the student loan application information includes the student loan applicant's identity and family information;
determining household member information of the student loan applicant based on the student loan applicant's identity and family information in the student loan application information;
based on the household member information, determining whether the student loan applicant is a foreign property and income report subject;
obtaining information on foreign property and income of the student loan applicant in response to a determination that the student loan applicant is a subject to report overseas property and income;
Obtaining the recognized income of the student loan applicant calculated based on household member information of the student loan applicant - The recognized income includes the foreign property and Calculated by additionally considering income information -; and
Determining a student loan support period of the student loan applicant based on the recognized income of the student loan applicant
Including,
In response to receiving student loan application information from the user terminal of the student loan applicant, based on the student loan application information, determining whether the corresponding student loan application is re-applied after cancellation; and
In response to a determination that the student loan application above was re-applied after being withdrawn:
determining whether the user's household member has changed through a first family relationship management server and a second family relationship management server; and
If it is determined that the household member information of the user has not changed, the step of obtaining the recognized income amount is suspended, and in the step of determining the student loan support interval of the student loan applicant, the recognized income amount received from the recognized income management server before the student loan application is cancelled. Determining the student loan support period of the student loan applicant by continuing to use it
Further comprising a method.
According to claim 17,
The step of obtaining overseas property and income information for the student loan applicant,
Receiving the student loan applicant's overseas property and income document files from the user terminal or an external server; and
Determining foreign property and income information by analyzing the supporting document file through Optical Character Recognition (OCR)
Including,
Analyzing the supporting document file includes verifying the validity of the received supporting document by comparing the format of the received supporting document with a pre-stored format,
Wherein the foreign property and income information includes at least one of property or income, property value, and income amount.
In the student loan calculation server device,
a communication circuit that communicates with a user terminal;
one or more processors; and
including one or more memories storing instructions that, when executed by the one or more processors, cause the one or more processors to perform operations;
When the instructions are executed by the one or more processors, the one or more processors are configured to execute the method according to any one of claims 1 to 18.
A non-transitory computer-readable recording medium recording instructions that, when executed by one or more processors, cause the one or more processors to perform operations,
The instructions are configured to cause the one or more processors to execute the method according to any one of claims 1 to 18.

Images