KR102537892B1 - Device and method providing loan service - Google Patents

Abstract

According to one embodiment of the present invention, disclosed are a method for assisting a loan service and a device for the method. The method for assisting a loan service comprises: a step of determining a requested amount of money for a loan service based on user input acquired from a user account; a step of determining any one company of a plurality of companies, which provide a financial service from a first country, as a loan service providing company based on the user input; a step of transmitting a loan service providing request for the requested amount of money to a company server corresponding to the loan service providing company; a step of acquiring loan service provision approval from the company server; and a step of providing a cash point corresponding to the requested amount of money to the user account. Accordingly, the present invention can resolve the inconvenience of Southeast Asians when receiving a loan service in Korea.

Description

Method and device for supporting loan service {Device and method providing loan service}

The technical field of the present disclosure relates to a credit service that provides cash points, and a technology field that provides a user account with a plurality of credit providers that can provide cash points that can be withdrawn when a requested amount is input from a user account. related

Conventionally, Southeast Asian countries had a low card issuance rate, so when Southeast Asians traveled to Korea, it was inconvenient to receive cash advances through credit card companies. In addition, even if it was a cash advance, it was difficult to receive reliable and prompt service because of the unfavorable interest rate and long waiting time to receive the cash advance.

Therefore, there is a need for a technology that allows Southeast Asians visiting Korea to easily receive credit services from a number of fintech companies without going through a credit card company and receive benefits and quality services accordingly.

Korean Registered Patent No. 10-2240203 B1 (2021.04.08) Credit transaction service providing method, device and program

The present disclosure discloses a device and method capable of providing cash points for the requested amount to a user account by determining a credit provider capable of providing the requested amount determined from the user account.

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

As a technical means for achieving the above-described technical problem, a method for supporting a credit service according to a first aspect of the present disclosure includes determining a request amount for a credit service based on a user input obtained from a user account; determining one of a plurality of companies that provide financial services in a first country as a credit provider based on the user input; Transmitting a credit service provision request for the requested amount to a company server corresponding to the credit providing company; obtaining credit service provision approval from the company server; and providing cash points corresponding to the requested amount to the user account based on the credit service provision approval.

Also, the cash points may be used for cash withdrawal of currency of the second country in the second country.

In addition, receiving a withdrawal request corresponding to the cash points from the cash withdrawal machine; and transmitting a cash payment request requesting withdrawal of cash to the ATM in response to the withdrawal request.

In addition, the step of determining any one of the plurality of companies as the credit provider may include determining a priority for the plurality of companies; and determining one of the plurality of companies provided based on the priority order as the credit providing company according to the user input.

In addition, the priority may be determined based on a coupon utility level provided by the plurality of companies, existing use, interest rate, sales, a waiting period for providing credit, and a period for providing credit.

In addition, the priority may be determined based on a weight assigned to be gradually lowered according to the order of the coupon utility level, whether or not the existing use, the interest rate, the sales, the waiting period for providing credit, and the period for providing credit can be provided.

A device supporting a credit service according to a second aspect of the present disclosure includes a receiving unit receiving a user input; and determining a request amount for a credit service based on the user input obtained from the user account, and selecting one of a plurality of companies providing financial services in the first country as a loan provider based on the user input. and transmits a credit service provision request for the requested amount to a company server corresponding to the credit provider, obtains approval for providing a credit service from the company server, and responds to the requested amount based on the approval for providing the credit service. It may include; a processor that provides cash points to the user account.

In addition, a third aspect of the present disclosure may provide a computer-readable recording medium recording a program for executing the method of the first aspect in a computer.

According to an embodiment of the present disclosure, the inconvenience of Southeast Asians in receiving credit services in Korea is resolved by obtaining approval for the requested amount from a plurality of credit providers based on the amount requested for the credit service from the user account. can do.

The effects 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 below.

1 is a block diagram schematically illustrating the configuration of a device supporting a credit service according to an embodiment.
2 is a flowchart illustrating a method of supporting a credit service according to an exemplary embodiment.
3 is a diagram for explaining a cycle diagram of a user, a credit provider, and a device 100 based on an application according to an embodiment.
4 is a diagram for explaining an example of providing a credit service according to the lapse of time according to an embodiment.

Advantages and features in the present disclosure, and methods for achieving them will become clear with reference to embodiments described later in detail in conjunction with the accompanying drawings. However, the present disclosure is not limited to the embodiments disclosed below and may be implemented in various different forms, only the present embodiments are intended to make the disclosure complete, and the scope of the present disclosure to those skilled in the art belonging to the technical field. It is provided to fully inform you.

Terminology used in this specification is for describing embodiments and is not intended to limit the present disclosure. In this specification, singular forms also include plural forms unless specifically stated otherwise in a phrase. As used herein, "comprises" and/or "comprising" does not exclude the presence or addition of one or more other elements other than the recited elements. Like reference numerals throughout the specification refer to like elements, and “and/or” includes each and every combination of one or more of the recited elements. Although "first", "second", etc. are used to describe various components, these components are not limited by these terms, of course. These terms are only used to distinguish one component from another. Accordingly, it goes without saying that the first element mentioned below may also be the second element within the technical spirit of the present disclosure.

Unless otherwise defined, all terms (including technical and scientific terms) used in this specification may be used with meanings commonly understood by those skilled in the art. In addition, terms defined in commonly used dictionaries are not interpreted ideally or excessively unless explicitly specifically defined. The spatially relative terms "below", "beneath", "lower", "above", "upper", etc. It can be used to easily describe a component's correlation with other components.

Spatially relative terms should be understood as encompassing different orientations of elements in use or operation in addition to the orientations shown in the drawings. For example, if you flip a component that is shown in a drawing, a component described as "below" or "beneath" another component will be placed "above" the other component. can Thus, the exemplary term “below” may include directions of both below and above. Components may also be oriented in other orientations, and thus spatially relative terms may be interpreted according to orientation.

Hereinafter, various embodiments will be described in detail with reference to the drawings.

1 is a block diagram schematically illustrating the configuration of a device supporting a credit service according to an embodiment.

Referring to the drawing, the device 100 may include a receiving unit 110, a processor 120 and a transmitting unit 130.

Those skilled in the art can understand that other general-purpose components may be further included in the device 100 in addition to the components shown in FIG. 1 . For example, the device 100 may further include a memory (not shown). Alternatively, in the case of other embodiments, those skilled in the art may understand that some of the components shown in FIG. 1 may be omitted.

The receiving unit 110 according to an embodiment may obtain pre-stored user information from a database. Pre-saved user information is general information corresponding to each user account, and may include information such as name, gender, address, account number, credit rating, balance, and cash point balance. can In addition, information such as travel period, travel country, and travel purpose, including information related to the second country input from the user account, may be stored as pre-stored user travel information in the database. Without being limited thereto, information corresponding to a necessary user account from a credit provider may be additionally obtained from an input of a user account and updated if necessary.

Receiving unit 110 according to an embodiment may obtain pre-stored company information from the database. Pre-stored company information is general information corresponding to each credit company account, and may include company name, company name, size, location information of the company and location of the ATM using GPS technology. In addition, as pre-stored financial information, information such as interest rate, sales, credit product, credit coupon, provision period, cash point conversion amount, etc. may be included and stored. Without being limited thereto, information necessary for obtaining credit service provision approval may be additionally acquired and updated from a company user account.

The receiving unit 110 according to an embodiment may obtain previously stored currency information from a database. Pre-stored currency information is information that can be used when currencies corresponding to multiple countries are unified into cash points, and may include information such as bill type, exchange rate, and number of withdrawals, and the processor 120 requests withdrawal corresponding to cash points. When receiving from the ATM, cash points may be determined based on previously stored currency information.

The processor 120 according to an embodiment may create a unique user account corresponding to each user based on inputs obtained from a plurality of users. The created user account is stored in the database and linked to pre-stored user information, and the receiving unit 110 may obtain pre-stored user information based on this. Also, based on inputs obtained from a plurality of credit companies, the processor 120 may create a unique credit company account corresponding to each credit company. The generated credit company account is stored in the database and connected to the previously stored company information, and the receiving unit 110 may obtain the previously stored company information based on this.

The processor 120 according to an embodiment may provide the requested amount of the user account as cash points to the user account based on the credit service provision approval from the company server. Cash points may be sent to an ATM upon receiving a cash payment request from a user account. Details of the cash points will be described later in step S250.

2 is a flowchart illustrating a method of supporting a credit service according to an exemplary embodiment.

Referring to step S210, the device 100 determines the requested amount for the credit service based on the user input obtained from the user account.

For example, the requested amount for the credit service is not limited to currency corresponding to any one country, and the device 100 may determine based on previously stored currency information received from the database. In addition, even when user input corresponding to a plurality of currencies is obtained from one user account, the device 100 may unify the requested amount into cash points based on previously stored currency information and determine the same.

Referring to step S220, the device 100 determines one of a plurality of companies that provide financial services in the first country as a credit provider based on the user input.

Device 100 according to an embodiment may determine any one of a plurality of companies as a credit provider. In addition, in determining the priority of a plurality of companies, the device 100 may determine any one of a plurality of companies provided based on the priority as a credit provider according to a user input.

The priority determined by the device 100 according to an embodiment may be determined based on a coupon utility level provided by a plurality of companies, existing use, interest rate, sales, credit waiting period, and credit provision available period. In addition, the priority may be determined based on a weight assigned to be gradually lowered according to the order of coupon utility level, existing use, interest rate, sales, credit provision waiting period, and credit provision available period.

That is, priorities may be determined according to various factors. For example, the priority determined for a specific credit company account may be determined according to a coupon utility level, existing use, interest rate, sales, waiting period for providing credit, and period for providing credit.

According to an embodiment in relation to the priority, if the requested amount determined from the user input exceeds the predetermined amount of 1 million won, the larger the requested amount, the higher the probability of problems in the step of receiving cash points, so from the user's point of view You may prefer a reliable credit provider. Accordingly, among factors determining priority, sales may be given the highest weight. Next, since the interest rate also increases as the requested amount increases, the probability of burdening the user is high, so the interest rate factor may be assigned a second highest weight. In addition, the burden on the interest rate can be reduced according to the level of coupon utility that can be used by the user, so the higher the level, the higher the probability of receiving high-quality loan service. As a result, priorities may be determined based on weights assigned to gradually decrease in the order of sales, interest rate, coupon utility level, existing use, credit provision waiting period, and credit provision available period.

As another example, the device 100 may obtain travel period information of a user account through previously stored user travel information received from a database. Based on this, when the preset travel period exceeds 30 days, the highest weight may be assigned to the credit providing period when priority is determined. As a detailed example, assuming that a user travels to a second country for 50 days, if the loan period provided by the credit provider is less than 50 days, there is a high probability that even if cash points are provided, the burden of having to be repaid quickly and an inefficient process will occur. . Next, the waiting period for credit provision may be given the second highest weight, and as the waiting period for credit provision becomes longer, the period during which the provided cash points can be used is highly likely to be reduced, so that quality services cannot be provided. Therefore, the priority may be determined based on weights assigned to gradually decrease in the order of a credit provision period, a credit provision waiting period, an interest rate, sales, a coupon utility level, and whether or not to use existing ones.

Referring to step S230, the device 100 transmits a credit service provision request for the requested amount to a company server corresponding to the credit provider.

Referring to the example of step S220 described above, the device 100 may provide a plurality of credit companies in the order of priority determined to the user device including the user account. The device 100 may acquire one of a plurality of credit companies from the user account through user input and determine the loan provider. In addition, the device 100 may transmit the request amount for the credit service to the determined credit provider based on the user input obtained through the company server to the user account.

The device 100 according to an embodiment may obtain a cancellation request for a credit service provision request from a user account. For example, although one of a plurality of companies is determined as a loan provider based on the user's input, it may be input by mistake or changed to a loan provider with better conditions. Accordingly, the device 100 may provide the above-described step S220 to the user account again if the loan service provision approval is obtained under the preset conditions. If approval for provision of credit service under preset conditions is obtained, the device 100 may reject a request for cancellation of provision of credit service to the user account.

Referring to step S240, the device 100 obtains credit service provision approval from the company server.

According to an embodiment, the device 100 may review the transmitted credit service provision request from the credit provider that has acquired it, and obtain the credit service provision approval or rejection again.

For example, the credit provider may acquire the user's credit rating included in pre-stored user information received from the database from the device 100 . Pre-stored user information corresponding to this example may be interpreted as a user account corresponding to a credit service provision request. As a detailed example, the credit rating corresponding to each user account may be stored in the database and updated as 1-1000 points. If the preset credit rating is less than 600 points, the device 100 provides a credit service from the company server corresponding to the credit provider. rejection can be obtained. In this case, since the credit service provider has a high probability that the user's credit rating is too low to repay the requested amount, the credit service provider rejects the loan service provision to the device 100, so that the credit provider has difficulty in repaying the requested amount. situation can be prevented.

As another example, if the predetermined credit rating is 950 points or more, the device 100 may obtain approval for providing a credit service from the company server within the shortest time. In this case, since there is a high probability that the user account having a fairly high credit rating by the credit provider does not require a review procedure, the device 100 can quickly provide cash points corresponding to the requested amount of the user account to the user account. there is.

The preset credit rating may be set differently according to each credit provider. Since it may be advantageous for a small-scale credit provider to obtain a corresponding interest rate by providing cash points to a user account even if the user's credit rating is low, the device 100 obtains approval for providing a loan service from the company server with high probability. can On the other hand, if the size of the credit provider is large, the dependence on the user's credit rating is high, so providing cash points to a user account with low credit rating can be risky. Based on this, it is possible to obtain a refusal to provide a credit service with a high probability.

Referring to step S250, the device 100 provides cash points corresponding to the requested amount to the user account based on the credit service provision approval.

Cash points provided by the device 100 according to an embodiment may be used for cash withdrawal of currency of the second country in the second country. Also, a withdrawal request corresponding to the cash points may be received from the ATM, and a cash payment request requesting to withdraw cash may be transmitted to the ATM in response to the withdrawal request.

For example, the device 100 may obtain previously stored currency information received from a database. When the device 100 uses the cash withdrawal of the currency of the second country input from the user account, the device 100 may receive a withdrawal request corresponding to the cash points from the ATM based on the previously stored currency information.

According to an embodiment, the device 100 may preferentially provide the location of the nearest ATM based on the current location information of the pre-stored user information that updates the location of the ATM of the pre-stored company information received from the database. there is.

In addition, when the device 100 obtains credit service provision approval from the company server corresponding to the credit provider, when providing cash points corresponding to the requested amount to the user account, the cash point effective date, principal repayment date, cash withdrawal machine location, etc. of information may be included. That is, since information related to cash points obtained from a credit provider account displayed on a user device including a user account is provided, the device 100 may provide appropriate information about the cash point service to the user account.

3 is a diagram for explaining a cycle diagram of a user, a credit provider, and a device 100 based on an application according to an embodiment.

Referring to FIG. 3 , the device 100 may be interpreted as the same as the main server of the first station. An application may be installed in a user device including a user account (a second country user), and the device 100 may determine a requested amount for credit service based on a user input obtained from the user account. If any one of the plurality of companies is determined as a credit company based on the user input, the device 100 may transmit a credit service provision request for the requested amount to the credit provider (second country bank). Eventually, the device 100 obtains approval for providing credit services from the credit provider (second country bank), and based on this, the credit provider (second country bank) provides cash points to the user account (second country user). can do.

4 is a diagram for explaining an example of providing a credit service according to the lapse of time according to an embodiment.

Referring to FIG. 4 , as an example of providing a credit service, the device 100 may request consent to provide personal information from a user account and confirmation of authenticity of an electronic guarantee. In addition, the device 100 may provide quality credit service to the user account by obtaining credit provision confirmation and condition information, loan amount determination, and the like from the credit provider. Signed agreements and contracts from each user account can be stored in a database with blockchain technology.

Various embodiments of the present disclosure are implemented as software including one or more instructions stored in a storage medium (eg, memory) readable by a machine (eg, a display device or a computer). It can be. For example, a processor (eg, processor 120 ) of the device may call at least one of one or more instructions stored from a storage medium and execute it. This enables the device to be operated to perform at least one function according to the invoked at least one instruction. The one or more instructions may include code generated by a compiler or code executable by an interpreter. The device-readable storage medium may be provided in the form of a non-transitory storage medium. Here, 'non-temporary' only means that the storage medium is a tangible device and does not contain signals (e.g., electromagnetic waves), and this term refers to the case where data is stored semi-permanently in the storage medium. It does not discriminate when it is temporarily stored.

According to one embodiment, the method according to various embodiments disclosed in the present disclosure may be included and provided in a computer program product. Computer program products may be traded between sellers and buyers as commodities. A computer program product is distributed in the form of a device-readable storage medium (e.g. compact disc read only memory (CD-ROM)), or through an application store (e.g. Play Store™) or on two user devices (e.g. It can be distributed (eg downloaded or uploaded) online, directly between smartphones. In the case of online distribution, at least part of the computer program product may be temporarily stored or temporarily created in a device-readable storage medium such as a manufacturer's server, an application store server, or a relay server's memory.

Those skilled in the art related to this embodiment will be able to understand that it can be implemented in a modified form within a range that does not deviate from the essential characteristics of the above description. Therefore, the disclosed methods are to be considered in an illustrative rather than a limiting sense. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the equivalent scope will be construed as being included in the present invention.

100: device
110: receiver 120: processor
130: transmitter

Claims (7)

A method for supporting a credit service by a device,
determining, by a processor, a request amount for credit service based on the user input obtained by the receiving unit from the user account;
determining, by the processor, one of a plurality of companies that provide financial services in a first country as a credit provider based on the user input;
transmitting, by the processor, a credit service provision request for the requested amount to a company server corresponding to the credit provider;
obtaining, by the processor, credit service provision approval from the company server; and
Providing, by the processor, cash points corresponding to the requested amount to the user account based on the credit service provision approval;
The step of determining, by the processor, one of the plurality of companies as the credit provider
Determine the priority of the plurality of companies,
Determining any one of the plurality of companies provided based on the priority as the credit provider according to the user input; further comprising
When the requested amount determined from the user input is greater than or equal to the predetermined amount, the priority is in order of the coupon utility level provided by the plurality of companies, whether or not the existing use was used, interest rate, sales, waiting period for providing credit, and period for providing credit. Determined on the basis of weights assigned to gradually decrease according to the method.
According to claim 1,
wherein the cash points are used for cash withdrawal of currency of the second country in a second country.
According to claim 2,
receiving, by the reception unit, a withdrawal request corresponding to the cash points from a cash withdrawal machine; and
Sending, by the processor, a cash payment request requesting withdrawal of cash to the ATM in response to the withdrawal request; further comprising the method.
According to claim 1,
When the travel period obtained from the user account exceeds the preset travel period,
The priority is determined based on weights assigned to gradually decrease in the order of the credit provision period, the credit provision waiting period, the interest rate, the sales, the coupon utility level, and the existing use.
delete delete In the device supporting the credit service,
a receiving unit receiving a user input; and
determine a requested amount for credit service based on the user input obtained from the user account;
Based on the user input, one of a plurality of companies providing financial services in the first country is determined as a loan provider;
Sending a request for providing a credit service for the requested amount to a company server corresponding to the credit provider;
obtaining credit service provision approval from the company server;
A processor providing cash points corresponding to the requested amount to the user account based on the credit service provision approval;
The processor
Determining any one of the plurality of companies as the credit provider;
Determine the priority for the plurality of companies,
Determining any one of the plurality of companies provided based on the priority as the credit provider according to the user input;
When the requested amount determined from the user input is greater than or equal to the predetermined amount, the priority is in order of the coupon utility level provided by the plurality of companies, whether or not the existing use was used, interest rate, sales, waiting period for providing credit, and period for providing credit. A device that is determined based on a weight assigned to gradually decrease according to the weight.

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