KR20000058968A - Methods of financial institutions' checking and printing the public documents related to credit information of customers through the Internet network and its system - Google Patents

Abstract

PURPOSE: A method for financial institute's confirming and outputting of public civil affairs document related to credit information through internet is provided to enable the financial institutes to directly confirm the received codified document in the financial institute's devices or computer system, to output the information designed to be used in various financial institute operations, and to execute various financial service operations through an internet network, which is supported by identification security system and connects the document issuer's database and financial institute's devices. CONSTITUTION: A method for financial institute's confirming and outputting of public civil affairs document related to credit information through internet is composed of request, cooperation, confirmation, transmission, and payment. The client requests for loan, mortgage, credit examination, and other financial services and agrees to financial institute's using internet for retrieving the necessary credit information related documents. The financial institute agrees to cooperate with appropriate public office to directly confirm and output credit information document through internet. A software is installed to enable the financial institute to request for credit information document to public offices by inputting ID and password. The public office confirms the financial institute's ID and password, and when confirmed the requested document is codified and sent to the requester. The financial institute confirms the document, prints the document, uses it for financial service operation, pays the public office for the service through electronic payment system, and requests the service fee from the client.

Description

Methods and financial institutions' checking and printing the public documents related to credit information of customers through the Internet network and its system}

Currently, financial institutions such as banks, credit guarantee institutions, credit card companies, and credit banks provide financial services such as credit checks, credit checks for loans, and debt management services for recovery of bad debts and receivables. Resident registration, corporate registration, family register, real estate register, land and building register, business registration certificate, tax performance certificate, debt certificate, financial institution transaction Credit documents related to public institutions, such as performance reports, are issued by the customer directly to the financial institution, or the financial institution checks the credit union transaction history and the financial institution's credit history through the computer network of the Bank Federation. Or, financial institutions can receive related documents from public institutions, and provide basic data for credit examination, credit check and management. And used as required materials.

The required documents related to credit information of the current financial institutions are different from the institutions that issue the relevant public complaint documents and the location of the documents, and customers are requested to visit the relevant public institutions in person. Due to the increase in requests, the number of public officials is increasing, so it takes 2-3 days to apply for the documents and receive them. It is an obstacle to making prompt and important decisions in management, and it causes inconvenience and difficulty to customers who visit each institution for issuance of application documents for a large number of complaint documents, and excessive requests for complaint documents from financial institutions It has become a social problem.

In addition, since it acts as an intermediate role of directly receiving and submitting civil documents issued by a public institution to the financial institution, which is the first mandatory person in lending, credit investigation, and credit business, the client has unfair malignancy and It is difficult to confirm the authenticity of documents by the frontline officers of financial institutions due to the precise state of forgery and alteration at the time of alteration, and due to the forgery and alteration of civil documents issued by public institutions, it is causing great loss to financial institutions. Forgery and forgery by clients of the company are emerging as a serious problem. When false issuances such as seal certificates and certified copies of real estate registrations occur, financial irregularities are widely reported in the news. Careful attention has been given to cover forgery and alteration, and he is not faithful to his work.

On the other hand, currently, some civil documents are installed in the civil complaints room of some local governments, and some civil documents are issued by the direct operation of the civil affairs, but this is an automatic issuer that can use the administrative computer network operated by the public officials in charge. It is produced and connected by direct operation of civil complaints, which is segregated, printed, and provided, which reduces the volume of issuing work of personnel in charge of the administrative issues of civil document issuing administrative agencies. Since the installation space to be installed and the price of the automatic issuer itself are considerable, the effect of installing and using the dispenser is limited. For financial institutions, the letters issued by customers with the automatic Is the same as the civil documents issued by the current official, and may cause financial accidents due to the forgery and alteration of public documents as described above. The economic factors associated with the purchase of the automatic issuing machine, the spatial limitations due to the installation of the automatic issuing machine, the inconvenience of complaints, and the delay in decision making of financial institutions that require urgency have not been solved.

An object of the present invention is to provide a database server and a financial institution terminal of an issuing institution to provide various documents related to credit information, which are essential documents for credit inspection, bond acquisition and management while performing financial services such as loan and bond management. The purpose of this study is to establish a method and system for directly checking and outputting encrypted and transmitted data from the terminal or computer system of a financial institution by connecting it to the Internet network through a security authentication system.

In accordance with the present invention, the financial institution is subject to the delay of the financial institution's business due to the lapse of time due to the forgery, forgery, issuance and submission of documents related to the customer's credit information, the visit to the financial institution due to the client's submission of documents, and To resolve the shortcomings and difficulties of issuing and submitting documents in the current business procedures with financial institutions, such as inconvenience, to ensure the reliability of data, the accuracy of financial institution's business, the visit of financial institutions and issuers, and the omission of application procedures. For the purpose of relieving inconvenience, the purpose of this system is to construct a system where financial institutions directly check and print credit information documents issued by public institutions through the Internet network through the terminal. Is used in financial institutions to meet the government's e-government policies and maximize the efficiency of computerization of information and administrative services. The purpose for groups.

1 is a flow chart of operations and results related to the use of credit information related data of the present invention.

2 is a schematic diagram showing the configuration of direct confirmation and output of credit information related documents of a financial institution according to an embodiment of the present invention;

As described in the object of the present invention, in order to solve the technical field and current technology of the field to which the present invention belongs, the present invention to solve the present invention for this purpose, the financial institution is a public complaint such as administrative departments, tax office, registry Sign an agreement to use the data through the Internet with the data database holding institution, and the financial institution requests the customer's consent for the use of the customer credit information data on the Internet. The financial institution requests the civil documents by accessing the web server of the public institution's database through the security authentication system with the registered ID and password, and the public institution encrypts the Internet and sends it. It consists of the process of checking and printing public complaint data directly on the terminals of financial institutions and using them for work, and paying data usage fees to public institutions and charging customers through the electronic payment system.

Here, the subject of the system of the present invention mainly consists of financial institutions, public institution issued credit information material, public institutions, customers,

Firstly, financial institutions include credit checks for customers, including individuals and corporations, for credit checks, credit checks for loans, bond management for securing and collecting bonds, credit guarantees for corporate loans, and M & As. Financial institutions, such as banks, credit card companies, credit guarantee institutions, comprehensive financial companies, credit safe deposits, debt collection companies, credit information providers, etc., which perform financial services such as consulting services.

Second, credit information related materials that financial institutions need to carry out business with customers are documents for customer credit rating and bond management, such as resident registration, herbal, corporate register, herbal, family register, herbal and real estate. Includes registers and herbs, building account book, land account book, business registration certificate, tax payment certificate, financial institution transaction record, and Yeosu chart.

Third, civil documents public institutions make a database of various civil documents as described above, create and store them in the server of the relevant institution, and issue the civil documents issuing institution that sends the documents upon application of the financial institution through a business agreement with the financial institution. This includes the Ministry of Government Administration and Home Affairs, financial institutions, bank associations, registry offices, tax offices and financial institutions.

Lastly, customers are objects of financial service provision, and they use, verify and issue their credit information-related documents through the internet network when doing business with financial institutions. Means individuals and legal entities that have consented to a financial institution.

Looking at the flow chart of the system of the present invention in Figure 1

The customer requests the financial institution to provide financial services such as loans, collaterals, credit checks, etc., and the financial institution expresses its consent to the financial institution for the Internet use of necessary credit information-related documents. In order to confirm and issue this information directly, we signed a business agreement with the relevant public institution and installed the software to check and print the credit information data through the Internet, and through the Internet through the unique ID and password of the financial institution, Apply to public institutions over the Internet, and the relevant public institutions check the ID and password of the financial institution through the security certification system. Financial service business to customers by checking and printing credit information data applied from terminal or computer system It is used to pay the fee through the electronic payment system to the public agencies, and then charge the fee from the customer who is the subject of the credit information data.

Looking at the embodiment of the configuration and system of the present invention in detail with reference to FIG.

First, as shown in FIG. 2, the customer 3 directly visits the financial institution 1 for the purpose of requesting financial services such as credit check request, card issuance, loan, opening of a credit, opening a checking transaction, and providing security. Financial services related to your financial services through the use, verification and output of financial institutions (1) through the internet network (6) of public complaint documents related to your credit information to a financial institution through a self-signed signature or an electronic signature system using the Internet Indicate your consent to the use.

Second, financial institutions (1) that perform financial services such as card issuance, credit checks, loans, open credits, open accounts, and mortgage provisions by customers (3) must first obtain credit information from the customer (3) through the Internet. (4) Public documents necessary for the general affairs and consent for the use of business, (4) Civil documents such as resident registration, herbal, family register, herbal, corporate register, herbal, real estate register, herbal, building, land register, business registration certificate Public petition documents database (4) to directly check and print the taxpayer's certificate, financial institution's transaction record, and Yeosu's credit statement on the terminal (2) or computer system (2) of the financial institution through the Internet network (4). Signed a business agreement on the Internet use of database data held by public institutions (4), such as the Ministry of Government Administration and Home Affairs, financial institutions, bank associations, registry offices, tax offices, financial institutions, etc. Granted the application and documents to build a system of identification, issued through a secure authentication system (6).

Third, the public data provider (4), which has signed a business agreement with the financial institution (1) on the use of database data, creates and manages a database of civil complaint data in charge of each institution on its web server (5). In accordance with the request for confirmation and issuance of the relevant documents of the financial institution (1), it is authorized by the prior consent of the customer (2) and the ID (ID) and password of the financial institution (1) through the Internet security authentication system (6). The user is identified and the data is encrypted and transmitted to the designated terminal 2 or electronic system 2 of each financial institution 1.

Fourth, the financial institution (1) receiving the request data encrypts and transmits the corresponding data transmitted through the Internet network 96 directly from the financial institution terminal (2) or the computer system (2) to the customer (3). It is used for one's own financial affairs such as credit check, credit check, bond management, credit guarantee and consulting.

Fifth, a financial institution (1) that receives credit information-related data and uses it for work pays the Internet data usage fee to the public document issuing institution (4) through an electronic payment system, and the financial institution (1) pays this payment fee to future customers. Claim from (3).

Through such a system, the financial institution (1) is not provided by the public institution with the credit information required for the performance of the business and submitted through the customer, but from the web server (5) of the database holding institution (4) of the public institution. The documents can be directly checked and output from the financial institution terminal (2) and the computer system (2) through the Internet network (6) to be used for business. In addition, the output can eliminate the time and economic waste associated with the prompt accuracy of the work and the issuance of the documents of the customer (3).

According to the present invention, the financial institution can check and output various public institution-provided credit information related data necessary for all financial service operations to the financial institution's own terminal or computer system through the Internet network and use it for financial institution work. Reliability of documents and prompt accuracy of financial institutions in addressing the temporal and spatial limitations caused by forgery and alteration of documents and civil complaints, and in carrying out the business of financial institutions such as credit checks, credit and bond management. In addition, it is possible to obtain the effect of convenience of customers and to maximize the efficiency of government's information technology utilization and public administration service by applying the government's e-government complaint processing Internet system to financial institution financial services.

Claims (5)

Financial institutions such as banks, credit guarantee institutions, credit card companies, general financial companies, and credit vaults are required to carry out financial services such as credit checks, credit checks, debt management services, and consulting services. Registered documents for public information related to credit information such as Herbs, Corporate Registers, Herbs, Family Registers, Herbs, Real Estate Registers, Herbs, Land and Building Register, Business Registration Certificate, Tax Record, Debt Certificate, Financial Institution Transaction List, etc. In order to check and print directly from the financial institution's own computer terminal or computer system through the network, it has entered into a business agreement with the relevant public institution and used the security ID system with the registered ID and password. Request for the provision of the data, and the relevant public institutions confirm that they are legitimate users, and transmit the requested data to the Internet network. Take transmission by encrypting device from financial institutions and computerized systems directly confirmed, the output system to utilize the banking The method according to claim 1, registers an ID and password from a credit information database of a public institution, applies a customer's credit information related data through the Internet network, receives it from his terminal or computer system, and checks and prints it. Financial institutions, such as banks, credit guarantee institutions, general financial companies, credit safeguards, debt collection companies, credit rating companies, credit check companies, consulting companies, etc. A system comprising The method of claim 1, wherein the financial institution receives information from public institutions through the Internet network and uses it for business purposes, such as resident registration, herbal, corporate register, herbal, register, herbal, building and land register, etc. This is a general document related to credit information held and issued by public institutions such as the government, local governments, financial institutions, etc., including business registration certificate, Yeosu financial institution transaction inquiry table, tax payment certificate, business registration certificate certificate, and bad transaction history inquiry table. System characterized in that According to claim 1, a financial institution that conducts various tasks with a customer obtains an informed consent to use the public information related to credit information through the Internet through a written agreement or an electronic signature system from the customer. And payment system where financial institutions pay Internet data fees to public institutions through electronic payment system and later collect from customers The method of claim 1, in which a financial institution makes an agreement on the use of the public data on the Internet and receives the data by applying for the credit information data held on the Internet, it holds the customer's credit information related data and the ID and password of the financial institution. The government, local governments, etc. that hold credit information of customers such as the database of the credit information data database that encrypts and transmits the data at the request through the Ministry of Government Administration and Home Affairs, the registry computer network, the bank association computer network, the tax office computer network, the financial institution computer network, A system comprising a financial institution