KR20010036516A - Method of consumer oriented reverse financial transaction using network - Google Patents

Abstract

PURPOSE: The method for the consumer-oriented reverse financing is provided to allow a financial agency to determine the conditions of credit and deposit according to the credit information of an individual and a company, and enable the individual and the company to receive the credit with the most proper condition. CONSTITUTION: A demander as a member accesses a credit mediation host via the network, and inputs desired credit and deposit conditions(100). The host sends the credit and deposit conditions desired by the demander to financial agencies(150,200). The host receives the credit and deposit conditions from the financial agencies, and selects some of the received conditions, and sends the conditions selected to the demander(300-500). The demander accesses the host in order to select one of the financial agencies, and writes a contract document(600). The host sends the contract document to the financial agency selected by the demander(700). The financial agency selected remits credit money to the demand(800).

Description

Consumer-oriented reverse financial transaction using network

The present invention relates to a defensive-centered reverse financial transactions on the network, by connecting the fund provider (domestic and foreign financial institutions) and the fund consumer (domestic and domestic natural and legal persons) to the network (network, wired and wireless communication, etc.) Consumer-centered reverse financial transactions that broker funds to reversely select financial institutions that optimally meet the lending conditions (including discount conditions) of the buyer, securities discounts, etc., and deposit and investment of fund investors The present invention relates to a consumer-centered reverse financial transaction method in which a financial investor reversely selects a financial institution that satisfies the conditions optimally.

If you receive money from a financial institution such as a bank, the conditions for receiving money vary slightly from bank to bank, especially depending on the creditworthiness of the recipient. Therefore, in order for an individual to receive loans with optimal loan conditions, they had to go around each financial institution and consult with them to find out the loan conditions for themselves.

In addition, individual credit ratings may be different for each financial institution, and if there is no transaction with the financial institution, it is difficult to receive credit because it is difficult to evaluate the credit rating, or it is often difficult to receive credit on favorable conditions.

In addition, although it is possible to receive loans from non-institutional financial firms such as private creditors, it is very inconvenient because it is difficult to determine credit conditions based on individual creditworthiness, and to compare the conditions of various creditors.

In addition, even from the position of receiving and receiving, there is a demand for a method in which even a customer who does not have a transaction can receive the money by appropriately determining the conditions of receiving and receiving according to the individual's creditworthiness.

Even when depositing money in the financial sector, it is common for an individual to select a deposit by information provided by a financial institution or by the advice of a neighbor. After comparing the deposit / trust products of the financial sector, it was very inconvenient to select the optimal product for each financial institution.

In addition, although financial product comparison tables are sometimes published in the media, it is very difficult for an individual to accurately understand the characteristics and contents of the product. Therefore, a method for selecting a financial product that suits an individual's inclination is desired. there was.

The present invention has been made in view of the above points, and financial institutions are able to set the receiving conditions according to the credit information of an individual or a corporation, and an individual or a corporation can intervene to receive the receiving conditions at the most suitable receiving condition for them. The state aims to provide a method of brokering loans on the network.

Another object of the present invention is to provide a method of brokering brokerage on a network that can connect a depositor with a financial institution that presents optimal conditions.

Another object of the present invention is to provide a method of brokering a loan on a network that mediates a banking or depositing operation based on individual credit information even if it is not an institutional financial institution.

1 is a schematic diagram showing a state in which the participating elements of the reverse financial transaction of the present invention is connected to the network.

2 is a flowchart illustrating the overall procedure of reverse financial transactions of the present invention.

3 is an example of the screening requirements conditions of the creditor and the investor.

4 is an example of an inquiry and selection screen for a loan receipt condition of a financial institution.

Embodiments of the present invention will be described in detail with reference to the drawings.

1 is a schematic diagram showing a state in which the participating elements of the mediation method of the present invention is connected to the network. In the drawings, reference numerals 10a to 10n denote institutional and non-institutional financial institutions (hereinafter referred to as "financial institutions") which supply funds in the case of credit and deposit deposits in the case of receiving. Reference numerals 20a to 20n denote a consumer, such as an individual or a corporation, who loans funds in the case of a credit and deposits a deposit in the case of receiving. Reference numeral 40 denotes a lending brokerage host which brokers lending and receiving between a financial institution and a consumer according to the method of the present invention, which is connected to a consumer's credit information database. These elements 10a..10n, 20a..20n, 40 are all connected to one another via the network 30.

Figure 2 is a flow chart showing the overall procedure of the receiving mediation method of the present invention. It will be described in detail each step of the mediation method of the present invention.

1. Membership Registration

First, a procedure for subscribing to the Yeosu mediation host 40 will be described.

For brokerage, you have to enter personal / corporate information (including financial transaction information) of the consumer. When registering as a member, personal information such as resident registration number and address should be entered in case of individual, and corporate details such as corporate registration number and address in case of corporation. At this time, since personal identification information is difficult to leak to the outside, it is preferable to encrypt and transmit it with an encryption algorithm such as SSL 128bit, for example. At this time, the personal / corporate information and financial transaction information entered are compared with the credit information of the credit rating agency and the real name verification process is completed.

Financial institutions can accept both institutional financial institutions such as banks and non-institutional suppliers such as creditors.

Any institutional financial institution can be a financial institution of the present invention as long as it is a financial institution that performs a credit service. These financial institutions and the Yeosu brokerage website not only make a contract related to the Yeosu brokerage service, but also provide a contract for supplying information on the creditor's credits (e.g. amount of credit, blacklist, usage, etc.) to the Yeosu brokerage website. In this way, financial transactions are made possible according to the credit of the detainee. The personal credit information supplied from the financial institution is stored in the database 50 of the intermediary host 40.

Lenders publicly recruit on the website. Loan companies usually accept low-credit members who refuse to receive credit from institutional financial institutions.

2. Entering and Receiving Receipt Requirements (100, 150 in Figure 2)

The consumer 20 who wants to receive the loan is connected to the brokering host 40 through the network 30.

When the consumer 20 connects to the host 40, the consumer 20 goes through a procedure to confirm the identity of the consumer. This procedure may include various methods such as inputting a member ID and password, entering a social security number, or allowing the consumer 20 to verify an identity using a program already downloaded.

After the identity is verified through the above procedure, the consumer 20 selects an item called a loan application or an investment application. Then, a screen as shown in FIG. 3 for inputting a credit or reception requirement appears. The consumer 20 inputs his / her desired lending requirements such as a desired lending amount, a lending period, and a repayment method.

In addition, in the case of a loan is to enter the account number you want to receive the deposit, Yeosu brokerage host 40 inquires this information to the bank (150 of FIG. 2) this account number of the consumer 20 By checking whether the account is in real time, it is possible to prevent a crime of receiving a deposit in another person's name and depositing it in a bank account.

After applying for the Yeosu reception, the Yeosu brokerage host 40 sends out the credit information utilization agreement screen. The consumer 20 accepts the use of his credit information in the Yeosu brokerage host 40 by digitally signing the credit information utilization agreement.

At this time, the consumer 20 may not agree to use their credit information. Disagreement with the use of credit information does not necessarily mean that you will not receive credit, but the terms of payment from the provider may be impaired or the provider may not be able to receive credit.

In the case of investors, the investment wizard function to find the investment conditions according to the investment propensity finds the optimal condition of the fund investor. At this time, the investment wizard has a function of finding a product that meets the needs of the fund investor by making a database of the propensity of the deposit product.

3. Credit Information Collection and Analysis

The consumer's credit information is fetched from the contracted credit information agency 50 from the personal information and financial transaction information presented by the consumer 20. The acquired consumer's credit information may include the consumer's personal information, various debt-related data, basic data for credit evaluation, and credit ratings prepared by intermediaries or other credit rating agencies. Since this information is sensitive, it is advisable to send it encrypted to avoid the risk of hacking.

The intermediary host 40 analyzes the acquired personal credit information through scoring or various analysis methods.

4. Credit Analysis Information and Credit Receipt Requirements Transfer (200 in FIG. 2)

Yeosu brokerage host 40 sends the crediting requirements and the credit information analyzed by the consumer (20) to the affinity organization (10). Such credit information may be made available to all suppliers, but may also be provided only to suppliers who have signed up to receive credit information of the consumer.

5. Determination of conditions for providing credit at financial institutions (300 in FIG. 2)

The providers 10a..10n that have received the crediting requirements and the credit information of the member 20 from the brokering host 40, and whether or not to receive the credit from the member 20 from the information, and receive the credit If so, you decide which conditions to use. Examples of terms of the loan include the amount of money received and the interest rate, the length of the loan, and the repayment method.

In this way, the supplier 10 which has set up the receiving conditions notifies the broker.

6. Selection of optimum conditions (400, 500 of Figure 2)

The intermediary host 40, which has been informed of the lending conditions from each financial institution 10a..10n, compares the lending conditions proposed by the financial institutions with the lending conditions of the member. This comparison can be done by humans, but you can use software to make comparisons with certain algorithms.

For example, the difference between the member's request amount and the supplier's proposed amount, the difference in interest rates, the difference in repayment methods, and the like, and the difference between the buyer's requirement and the supplier's requirement Multiply this by the weight to select the condition with the lowest sum as the most appropriate condition.

In addition, since the most important conditions may vary depending on the consumer, the consumer can use the Yeosu New Wizard function to find out what the most important conditions are. When comparing the reception condition, the weight of the part may be increased to make the comparison.

In addition, even if the intermediary compares and extracts the suppliers who have suggested the best conditions of receiving, the consumer may decide differently. Judgment should be made by the consumer.

Yeosu brokerage host 40 notifies the consumer 20 of the list of suppliers who presented the selected optimal conditions and the conditions (400 of FIG. 2). In this case, there may be various methods such as a method of transmitting an encrypted file by e-mail, a method of notifying an e-mail that a supplier selection is completed, and a method of requesting a user to access the Yeosu mediation host 40 to view its contents.

In addition, it is also possible to provide a supplier-to-supplier comparison to a supplier who has dropped out due to a relatively poor lending condition (500 of FIG. 2). In other words, by showing the difference between the conditions presented by the supplier and other suppliers, each supplier can compete to present a favorable condition than the other suppliers, so that the transaction can be done on the better condition to the consumer.

7. Choosing a provider and creating a contract of lending (600, 700 of Figure 2)

The consumer 20 reviews the lending conditions received from the lender brokerage host 40 and selects one of the most suitable financial institutions.

An example of a method of selecting a financial institution will be described with reference to FIG. 5.

First, when the consumer 20 connects to the brokerage host 40, a list of suppliers selected by the mediation host 40 is displayed on the screen (Fig. 5 (a)).

The consumer 20 clicks on the ″ View Conditions ″ button to view the receiving conditions of each supplier. Then, the condition suggested by the supplier is displayed on the screen as shown in FIG. 5 (b-1) or (b-2).

In this screen, the user clicks on the ″ Select ″ button to receive the credit from the corresponding supplier, and clicks the ″ Back ″ button to view the receiving conditions of other suppliers, and returns to the screen of FIG. 5 (a).

When the consumer 20 presses the " select " button on the screens (a), (b-1) or (b-2) of FIG. 5, the lender agreement form with the corresponding supplier is displayed on the screen. The loan agreement displayed will take the form of a contract commonly used in financial institutions. However, the difference is that the consumer 20 does not seal the contract with a seal, but does electronic signature. In addition, when preparing a loan agreement contract to enter the bank account of the consumer 20 to receive the funds.

Although the contractor may have the consumer 20 fill in each field individually, for convenience of input into the contract, the contract form reads the detailed information of the consumer 20 recorded in the database of the intermediary host 40. When it is displayed on the screen, the personal details may be automatically entered and displayed in the corresponding fields.

If the consumer 20 wants to cancel the subscription because it is not appropriate to review all the conditions of the loan, click the ″ Cancel Receipt ″ button on the screen of FIG. 5 (a).

8. Transfer of contract to financial institution

The intermediary host 40 transmits the electronic signature and the contract to the financial institution selected by the member. At this time, the contract and the digital signature are sent in encrypted form. In this case, the contract includes an account number for depositing or remitting funds, and the Yeosu New Transaction Terms and Conditions (700 in FIG. 2).

9. Loans or Funds Deposits (800, 900, 1000 in Figure 2)

The financial institution receiving the credit contract deposits the funds into the deposit account of the consumer 20 (800 of FIG. 2). At this time, the brokerage fee and various fees may be paid after deduction. The deposit funds of the consumer (20) at the time of receiving contract are selected from the designated account

Financial institutions will withdraw money in direct debit.

The financial institution also notifies the broker of the deposit and withdrawal facts (900 in FIG. 2). The intermediary, which has been informed of the deposit and withdrawal from the supplier, notifies all the details related to the transaction to the consumer 20 by e-mail or the like (1000 of FIG. 2), thereby completing all the receiving and receiving procedures. Of course, the financial institution may notify the broker instead of notifying the consumer.

Although the present invention has been described in detail above, the present invention is not limited to the specific embodiments. Those skilled in the art will appreciate that many modifications and variations can be made without departing from the spirit of the invention.

As described above, according to the present invention, the money provider can adjust various lending conditions such as interest rates according to the lending / receiving requirements and credit information of the individual / corporate, thereby obtaining a lot of excellent lending customers.

In addition, the money consumer can receive the loan under the best conditions based on his credit, thereby reducing the cost of the loan.

In addition, according to the present invention, because it connects the account holder with a financial institution that presents the optimal conditions, there is an effect that the funds can be managed under the optimal conditions.

In addition, even if it is not an institutional financial institution, there is an effect that it is possible to perform credit or deposit operations based on individual credit information.

Claims (5)

In the first step, a consumer who wants to receive a credit receives a personal information into the media brokering host and registers as a member. A second step in which a consumer who is registered as a member accesses a brokerage host through a network and inputs a desired banking condition; A third step of sending the desired lending condition to the financial institutions by the lender brokering host; A fourth step in which the brokering host receives the banking conditions from the financial institutions and selects the most suitable banking conditions among them and sends them to the consumer; A fifth step in which the consumer connects to the brokerage host and selects one of the financial institutions that have provided the selected settlement conditions; Step 6, wherein the brokerage agency sends the contract to the financial institution, A seventh step in which the financial institution remits or withdraws a loan amount to the consumer; Reverse financial transaction method on the network comprising a. The method of claim 1, wherein the brokering method An eighth step of notifying a brokerage host that the financial institution has transferred or withdrawn funds to the consumer; And a ninth step of informing the consumer of the payment amount of the payment amount of money received by the broker. The method of claim 2, wherein the third step The Yeosu brokerage host further comprises a step 3-1 of transmitting the consumer's credit information to financial institutions. [4] The method as claimed in any one of claims 1 to 3, wherein the fourth step further comprises the step 6-1 of transmitting the lending conditions of other lenders to the lenders who have not been selected. Reverse financial transaction method on the network characterized in that it comprises. The method according to any one of claims 1 to 3, The first step further includes a first-first step of downloading a program that records the personal information entered while the consumer is registered as a member from the Yeosu brokerage host to the consumer's computer, The reverse financial transaction method on the network, characterized in that in the second step the consumer enters his or her personal information using the downloaded program while entering the lending conditions.