KR20010069969A - Method and apparatus for a personal credit management service - Google Patents

Abstract

PURPOSE: A personal credit management service method and apparatus is provided to manage a schedule for managing credit information by corresponding to an input of credit information of a customer, and to prevent a credit inferiority registration in advance by setting an alarm function. CONSTITUTION: A connection request signal is received from a customer(S2401). The customer is authenticated corresponding to the connection request signal(S2403). An input page of personal credit data is provided to the customer(S2405). The personal credit data corresponded to the input page are received from the customer(S2407). Credit inferiority data are extracted corresponding to the personal credit data(S2409). The credit inferiority data extracted are provided to the customer(S2411). Payment completion data are received(S2413). The credit inferiority data are corrected(S2415).

Description

Method and apparatus for personal credit management service

The present invention relates to a method and apparatus for managing a customer's bad credit and schedule corresponding to personal credit information entered by a customer.

Credit information refers to identification information, bad credit information, credit transaction information, credit ability information, and public record information that are necessary for the determination of the creditworthiness of the other party in a transaction such as financial transactions. Credit information subjects can be individuals, private companies, legal entities, and related parties. Reasons for registration of bad credit include arrears of loans, special bonds, defaults, defaults on household checks, nonpayment of public record information such as national and local taxes, and financial order problems.

In the case of overdue loans, customers who have been in bad credit registrations have overdue the loans for more than 3 months, overdue accounts for more than 9 months, and the overdue loans for more than 3 months. There is a customer. In the case of credit card delinquent payment, the account corresponding to the bad credit registration includes a customer who has delinquent the credit card payment over 50,000 won for more than three months. The above bad credit registration is canceled when the reason for registration by occurrence history is resolved.

In the case of bankruptcy, the accounts corresponding to bad credit registration include household check bankruptcy accounts, checking check bankruptcy accounts, and promissory notes bankruptcy accounts. The above bad credit registration is terminated when the check and bill are collected.

In the case of a household checking defect, the account corresponding to the bad credit registration has a client who has over 3 months of guaranteed household check overpayment, a client who has over 10 days of guaranteed household check overpayment and a household checking account payout. Accounts and so on. The above bad credit registration is canceled when the reason for registration by occurrence history is resolved.

In case of non-payment of national tax during non-payment of public record information, customers who have a bad credit registration have been over 1 year from the date of non-payment of national tax, and over 10 million won in arrears; There are clients and those with a deficit of more than 5 million won. The above bad credit registration is terminated when the amount of the arrears is paid in full.

In the conventional credit information management, it is difficult to check a large number of credit-related matters in order to manage credit information, which is often registered as a bad credit.

In addition, the conventional credit information subject suffers from disadvantages because he lacks knowledge of credit related information such as bad credit registration and deletion.

In addition, conventionally, there is a problem in that it is impossible to provide a customized loan list corresponding to the customer information related to the loan.

It is an object of the present invention to manage credit information, and manages a schedule for managing credit information in accordance with the credit information input of the customer, and personal credit management service method and apparatus for preventing bad credit registration in advance by setting an alarm function To provide.

Another object of the present invention is to provide a personal credit management service method and apparatus for managing credit information, which provides information for preventing bad credit registration in advance in response to a customer's input of credit information even without knowledge of credit related information. To provide.

It is yet another object of the present invention to provide a personal credit management service method and apparatus for providing a customized loan list corresponding to customer loan related customer information. Here, the loan-related customer information is input when the customer is registered in the credit management server, and include at least one of a customer's type of business, occupation, company, position, department, salary, holding real estate, trading financial institution Can be.

1 is a view schematically showing a credit management service through a network according to an embodiment of the present invention.

2 is a diagram showing the internal configuration of a credit management server according to an embodiment of the present invention.

3 is a diagram showing the internal configuration of a credit information management unit according to an embodiment of the present invention.

Figure 4 is a diagram showing the internal configuration of the alarm function management unit according to an embodiment of the present invention.

5 is a diagram showing an internal configuration of a notification means management unit according to an embodiment of the present invention.

6 is a diagram showing the internal configuration of a unified database according to an embodiment of the present invention.

7 is an exemplary view showing a main page of a credit management server according to an embodiment of the present invention.

8 is an exemplary view of a page illustrating a concept of credit information according to an exemplary embodiment of the present invention.

9 is an exemplary screen diagram of a page illustrating a concept of bad information according to an exemplary embodiment of the present invention.

10 is a screen example of a page for explaining in detail the defect information related to national or local taxes payment according to an embodiment of the present invention.

11 is a screen example of a search page for searching for a registration date of bad credit information according to an exemplary embodiment of the present invention.

12 is a screen example of a page showing a search result of a bad credit information registration date according to an embodiment of the present invention.

13 is a screen example of a search page for searching for a bad credit information registration date according to another preferred embodiment of the present invention.

14 is a screen example of a page showing a search result of a bad credit information registration date according to another preferred embodiment of the present invention.

15 is a screen example of a search page for searching for a bad credit retention period according to an exemplary embodiment of the present invention.

16 is a screen example of a page showing a search result of a bad credit retention period according to an exemplary embodiment of the present invention.

17 is a screen example of a search page for searching for a date of deletion of bad credit information according to an exemplary embodiment of the present invention.

18 is a screen example of a page showing a search result of date of deletion of bad credit information according to an exemplary embodiment of the present invention.

19 is an exemplary screen diagram of a page for confirming a method for recovering from a bad credit in accordance with a preferred embodiment of the present invention.

20 is an exemplary view showing a disadvantage case due to bad credit according to an embodiment of the present invention.

21 is an exemplary view showing a personal credit data input page according to an embodiment of the present invention.

Figure 22 is an exemplary view showing a credit information calendar according to an embodiment of the present invention.

Fig. 23 is a screen diagram showing an alarm setting data input page according to an embodiment of the present invention.

24 is a flowchart illustrating a process of processing personal credit data in a credit management server according to an embodiment of the present invention.

25 is a diagram showing the configuration of a customer-customized loan information inquiry screen according to an embodiment of the present invention.

FIG. 26 is a diagram showing the configuration of a note due date management screen according to an exemplary embodiment of the present invention. FIG.

<Explanation of symbols for the main parts of the drawings>

101... Credit management server 103. Network

105... Customer 107... Bank association

109... Financial company 201. Credit Information Management Department

203... Alarm function management unit 205... Notification means management department

207... Input / output section 209. Integrated database

211... DBMS 301... Bad credit registration date calculation department

303... Credit failure preservation period calculation unit 305... Bad Credit Deletion Date Calculator

401... Schedule management unit 403... Alarm information calculator

501... Mailing module 503... SMS module

505... Mobile phone text message transmission module 601. Customer database

603... Credit information database 605... Alarm information database

607... Affiliate database

According to an aspect of the present invention for achieving the above object, in the credit management server to provide a personal credit management service, receives a connection request signal from a customer, and authenticates the customer in accordance with the connection request signal And if the authentication result is valid, provide a personal credit data input page to the customer, receive personal credit data corresponding to the personal credit data input page from the customer, and receive bad credit data corresponding to the personal credit data. And a personal credit management service method for extracting the extracted bad credit data to the customer, and a system corresponding to the method.

The personal credit data input page may include at least a loan type input unit, a split period input unit, a payment amount input unit, and a contract date input unit.

The loan type may be a corporate loan, a household loan, a trust loan, a bond, a loan interest delinquency, a credit card fee, a mobile phone fee, or a national tax.

The bad credit data may be a bad credit registration date, a bad credit retention period and a bad credit deletion.

The personal credit management service method may further include extracting schedule management data corresponding to the personal credit data and providing the schedule management data to the customer.

The schedule management data may be at least payment details of a specific loan type corresponding to a specific schedule.

The personal credit management service method may further include extracting alarm setting data corresponding to the personal credit data and providing the credit failure data and the schedule management data to the customer corresponding to the alarm setting data. .

The alarm setting data may be preset by the system administrator of the credit management server or set by the customer.

The personal credit management service method may further include providing an alarm setting data input page to the customer.

The alarm setting data input page may include at least an alarm selector corresponding to a payment date, an alarm selector corresponding to a payment amount, a notification means selector, and a bad credit registration date alarm selector.

The notification means may be at least one of an electronic mail, a mobile phone text message and an SMS service.

The personal credit management service method may further include receiving alarm setting data corresponding to the alarm setting data input page from the customer.

The personal credit management service method may further include receiving payment completion data corresponding to the bad credit data and schedule management data from the customer.

The personal credit management service method may further include modifying the bad credit data and schedule management data corresponding to the payment completion data.

The personal credit data may be received in the mail by the customer.

The credit management server may provide a link to a fund lending site corresponding to the customer.

The credit management server may provide a customized loan list corresponding to loan information of the customer.

The loan related customer information may be input when the customer joins the credit management server.

The loan-related customer information may include at least one of a customer's type of business, occupation, company, position, department, salary, holding property, transaction financial institution.

According to another aspect of the present invention to achieve the above object, in providing payment information, receiving payment data corresponding to the customer's payment, and extracts the payment completion data and customer information corresponding to the payment data And transmitting the payment completion data and the customer information to a credit management server, wherein the credit management server corrects the bad credit data corresponding to the customer by using the payment completion data and the customer information. It is possible to provide a system corresponding to the above method.

In the payment information providing method, the credit management server may modify schedule management data corresponding to the customer by using the payment completion data and the customer information.

Next, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view schematically showing a credit management service through a network according to an embodiment of the present invention.

Referring to FIG. 1, the credit management server 101 is connected to a plurality of customers 105, a bank association 107, and a plurality of financial companies 109 through a network 103.

The credit management server 101 may provide the customer 105 with credit related information, such as a credit bad registration date, credit bad retention period, and credit bad deletion date, in correspondence with the credit data input of the customer 105. In addition, the credit management server 101 may manage a schedule related to the credit information of the customer 105 and notify the customer 105 of the credit related information corresponding to the alarm information input of the customer 105. Here, the notification means includes an electronic mail, an SMS service, and a mobile phone text message.

The credit management server 101 may receive payment completion information from the customer 105 and modify and manage credit related information of the customer 105. In addition, the credit management server 101 receives payment related information of the customer 105 through an alliance with a bank association 107 and a plurality of financial companies 109 and the customer (10) without additional input of the customer 105 Modify and manage credit-related information under 105). The credit management server 101 will be described in detail with reference to the drawings.

The network network 103 includes both wired and wireless communication networks.

The Bank Association (107) is an institution designated as a comprehensive credit information concentrating institution, which provides more efficient management of various credit information that occurs when dealing with financial institutions such as banks and second financial institutions, and provides comprehensive financial information to each financial institution. It is used for credit examination and follow-up management. The main tasks of the Bank Association 107 include information management for centralized utilization of corporate information such as credit and mortgage status of companies, centralized management of personal credit information such as personal loan information, household checking accounts and credit card issuance information, and bankruptcy of checks. There are public information management, such as information management on customers with bad financial institutions such as accounts, accounts with loans, and national and local taxes.

The financial company 109 is any financial institution in charge of financial affairs, and the financial company 109 has its own system through an alliance with a credit management server 101 to provide payment information of the customer 105 to the credit management server 101. To transmit. The credit management server 101 modifies and manages credit related information corresponding to the payment information.

2 is a diagram showing the internal configuration of a credit management server according to an embodiment of the present invention.

Referring to FIG. 2, the credit management server 101 (see FIG. 1) includes at least a credit information management unit 201, a notification means management unit 205, an input / output unit 207, an integrated database 209, and a database management system (DBMS: Database Management System) 211. When the credit management server 101 (see FIG. 1) further provides an alarm function for credit information management, the credit management server 101 (see FIG. 1) may further include an alarm function management unit 203.

The credit information management unit 201 calculates all the information related to the bad credit. The credit information management unit 201 will be described in detail with reference to the drawings.

The alarm function manager 203 manages an alarm function corresponding to the schedule management required for personal credit information management and the alarm setting of the customer 105 (see FIG. 1). The alarm function manager 203 will be described in detail with reference to the accompanying drawings.

The notification means manager 205 manages the means for notifying the customer 105 (refer to Fig. 1) of the information corresponding to the schedule and alarm setting related to the credit information. The notification means management unit 205 will be described in detail with reference to the drawings.

The input / output unit 207 transmits credit related information to the customer 105 (refer to FIG. 1) by using the specific notification means of the notification means management unit 205. In addition, the input / output unit 207 serves to receive personal credit data and alarm setting data from the customer 105 (see FIG. 1).

The integrated database 209 stores customer identification information, customer credit information, alarm information, bad credit information, and the like related to the credit management server 101. The integrated database 209 will be described in detail with reference to the drawings.

The Database Management System (DBMS) 211 plays a role in managing data of the integrated database 209, and the details of the Database Management System (DBMS) 211 are general. Detailed description thereof will be omitted.

3 is a diagram showing the internal configuration of the credit information management unit according to an embodiment of the present invention.

Referring to FIG. 3, when the credit management server 101 (see FIG. 1) provides personal credit management, the credit information management unit 201 includes at least a credit bad registration date calculator 301 and a credit bad retention period calculator 303. ) And the bad credit erasing date calculator 305.

When the credit management server 101 (see FIG. 1) further provides a list of loan products corresponding to the customer's credit information and the customer information, the credit information management unit 201 further includes a loan information calculation unit 307. can do.

The credit registration date calculation unit 301 calculates and calculates a credit registration date corresponding to the personal credit information input by the customer 105 (refer to FIG. 1). For example, Hong Gil-dong may enter a contract date and a delinquent amount, etc. in order to find out the date of being registered as a credit delinquent due to delinquent mobile phone usage fee. Here, the contract date means the first overdue date. Corresponding to the input item, the bad credit registration date calculator 301 calculates the bad credit registration date based on a predetermined criterion.

Specifically, when Hong Gil-dong is a contract date on January 25, 2001, and deducts a mobile phone usage fee of 56,000 won, and inputs the above personal credit information, the credit registration date calculation unit 301 determines a predetermined criterion. The bad credit registration date can be calculated as April 17, 2001, three months later. For another example, if Hong Gil-dong is a contract date on May 25, 2001 and the credit card charge of 7,000 won is overdue and the above personal credit information is input, the credit registration date calculation unit 301 determines a predetermined criterion. Calculate that the delinquent amount is excluded from the bad registration criteria, and therefore will be excluded from the registration of bad credit information, and pay attention not later than 2-3 days before the credit information is registered so as not to damage the credit.

The credit poor preservation period calculation unit 303 calculates and calculates a credit poor preservation period corresponding to the personal credit information input by the customer 105 (refer to FIG. 1). For example, Hong Gil-dong overdue his mobile phone usage fee and became a bad creditor. When he paid the late payment fee, he could enter a contract date, a payment date, and an overdue amount in order to find out the period of preservation of the bad credit. Here, the contract date may mean the first overdue date, and the settlement date may be a settlement date. In response to the above input, the credit failure preservation period calculation unit 303 calculates the credit failure retention period based on a predetermined criterion.

In detail, Hong Gil-dong was registered as a credit delinquency on January 25, 2001 and overdue a mobile phone usage fee of 56,000 won. When the settlement date is input by paying the late payment fee on May 18, 2001, the credit failure preservation period calculation unit 303 sets the credit failure preservation period by May 19, 2001, the day after the settlement date according to a predetermined criterion. Calculate

The credit failure deletion date calculation unit 305 calculates and calculates the credit failure deletion date corresponding to the personal credit information input by the customer 105 (see FIG. 1). For example, Hong Gil-dong overdue his mobile phone usage fee and became a bad creditor. When he paid the late payment fee, he could enter the type of delinquency, credit registration date, payment date and delinquent amount. Here, the settlement date may be a settlement date. Corresponding to the input item, the bad credit deletion date calculator 305 calculates the bad credit deletion date based on a predetermined criterion. Specifically, the Hong Gil-dong is a bad credit registration date February 15, 2001, the delinquent amount is 95,000 won, and if the payment date is entered to settle the delinquent amount on May 30, 2001, the bad credit deletion date calculation unit ( 305) may calculate the date of deletion of the bad credit as the 31st day of 2001, the day after the settlement date, based on a predetermined criterion. For another example, when Hong Gil-dong entered February 15, 2001 as a bad credit registration date and a delinquent amount is 95,000 won and the outstanding payment amount is settled, the bad credit deletion date calculation unit 305 meets a predetermined criterion. The bad credit deletion date can be calculated as February 15, 2013.

The credit failure information can be confirmed by the customer 105 (see FIG. 1) by directly accessing the credit management server 101 (see FIG. 1) and inputting personal credit information from the credit management server 101 (see FIG. 1). In addition, the customer 105 (refer to FIG. 1) accesses the credit management server 101 (refer to FIG. 1) and inputs personal credit information and alarm setting information, such as schedule related to personal credit, bad credit registration warning, payment date notification, and the like. Information can be confirmed using specific notification means.

The loan information calculation unit 307 extracts customized loan information suitable for loan related customer information inputted by the customer 105 (see FIG. 1) to the credit management server 101 (see FIG. 1) upon membership registration. In this case, the loan-related customer information is input when the customer registers on the credit management server 101 (see FIG. 1), and the customer's business type, occupation, company, position, department, salary, holding property, transaction finance It may include at least one of the organs.

4 is a diagram showing the internal configuration of the alarm function management unit according to an embodiment of the present invention.

Referring to FIG. 4, the alarm function manager 203 includes at least a schedule manager 401 and an alarm information calculator 403.

The schedule manager 401 manages a credit related schedule of the customer 105 (see FIG. 1) in correspondence with the credit related information and alarm setting information input by the customer 105 (see FIG. 1). For example, when the customer 105 (refer to FIG. 1) accesses the credit management server 101 (refer to FIG. 1) and inputs a loan type, split period, settlement amount, contract date, and the like, the schedule management unit 401 inputs the input. Corresponding to the matter, a schedule management calendar may be produced on a monthly basis to manage a credit related schedule of the customer 105 (refer to FIG. 1). In this case, the information related to the credit schedule can be confirmed by the customer 105 (see FIG. 1) by directly accessing the credit management server 101 (see FIG. 1). In addition, the customer 105 (refer to FIG. 1) may access the credit management server 101 (refer to FIG. 1), enter an alarm setting, and check information on the credit related schedule through a specific notification means. The notification means may be an electronic mail, a mobile phone text message and an SMS service.

The alarm information calculator 403 calculates alarm information corresponding to credit related information and alarm setting information input by the customer 105 (refer to FIG. 1). For example, if the payment amount is more than 1,000,000 won, if the alarm function to notify the customer (10, 10, 10 days before the payment date) is set, the alarm information calculation unit 403 is 10 days before the payment date, loan type, Matters related to the payment, such as payment amount, contract date, etc. can be calculated. The payment related matters are transmitted to the customer 105 (see Fig. 1) corresponding to the specific notification means set by the customer 105 (see Fig. 1).

Here, the alarm settlement date setting according to the payment amount may be set in plurality. In addition, the notification means may be set in plural for one payment processing alarm. For example, if the payment amount is more than 1,000,000 won, the alarm can be notified via mobile phone text message and e-mail 10 days before the payment date and 5 days before the payment date.

5 is a diagram showing the internal configuration of the notification means management unit according to an embodiment of the present invention.

Referring to FIG. 5, the notification means management unit 205 includes at least a mailing module 501, an SMS module 503, and a mobile phone text message transmission module 505.

The mailing module 501 may correspond to the credit information management unit 201 (see FIG. 2) to the customer 105 (see FIG. 1) in correspondence with a predetermined notification means or a notification means selected by the customer 105 (see FIG. 1). It transmits the credit related information calculated by the alarm function manager 203 (see FIG. 2) to the e-mail through the input / output unit 207 (see FIG. 2).

The SMS module 503 sends a credit information manager 201 (see FIG. 2) and an alarm to the customer 105 (see FIG. 1) corresponding to a predetermined notification means or a notification means selected by the customer 105 (see FIG. 1). The credit related information calculated by the function manager 203 (see FIG. 2) is transmitted to the SMS service through the input / output unit 207 (see FIG. 2).

The mobile phone text message transmission module 505 may refer to the credit information management unit 201 (FIG. 2) to the customer 105 (FIG. 1) corresponding to a predetermined notification means or a notification means selected by the customer 105 (FIG. 1). ) And the credit related information calculated by the alarm function management unit 203 (see FIG. 2) through the input / output unit 207 (see FIG. 2).

Here, the notification means is not limited to this embodiment and can be diversified.

6 is a diagram showing the internal configuration of a unified database according to an embodiment of the present invention.

Referring to FIG. 6, the integrated database 209 provided in the credit management server 101 (see FIG. 1) includes at least the customer database 601, the credit information database 603, the alarm information database 605, and the affiliate database ( 607).

The customer database 601 stores personal information of the customer 105 (see Fig. 1) such as an identifier, a password, a name, an address, a telephone number.

The credit information database 603 stores credit information of the customer 105 (see Fig. 1) and credit information related data such as credit bad registration criteria, credit bad retention period criteria and credit bad deletion criteria.

The alarm information database 605 stores alarm related data such as alarm information set by the customer 105 (refer to FIG. 1) and alarm information predetermined in the server.

The affiliate database 607 includes financial information such as bank associations (107, FIG. 1) and financial information (109, FIG. 1), payment information of customers (105, FIG. 1), banks and second financial institutions. Data related to bank associations (107, Fig. 1) and financial institutions (109, Fig. 1) are stored, including information on credits generated during new institution transactions.

7 is an exemplary view showing a main page of a credit management server according to an embodiment of the present invention.

Referring to FIG. 7, the main page of the credit management server includes a credit information check button 701, a bad information check button 703, a check for bad credit registration date 705, and a check for bad credit preservation period button 707. ), A check for deleting the bad credit information button 709, a button for retrieving the bad credit information 711, a check button for unfavorable case data 713, and my credit information management button 715. The customer 105 (refer to FIG. 1) may access a main page of the credit management server and use credit related services such as credit related schedule management and alarm setting management through input of personal credit information and credit related information.

Details corresponding to the buttons will be described in detail with reference to the accompanying drawings.

8 is an exemplary view of a page illustrating a concept of credit information according to an exemplary embodiment of the present invention.

Referring to FIG. 8, the customer 105 (see FIG. 1) clicks the check credit information data button 701 (see FIG. 7) to define the credit information related to the credit information (801), the credit transaction information (803), and the credit. Each of the information confirmation 805 and the credit standard 807 can be confirmed.

9 is a screen example illustrating a page for explaining a concept of bad information according to an exemplary embodiment of the present invention.

Referring to FIG. 9, the customer 105 (see FIG. 1) clicks the bad information data check button 703 to release the bad information target person 901 associated with the bad information, the registration and release criteria 903, and the default bank account release ( 905 and each of the defect information registration criteria 907 can be confirmed. For example, the customer 105 (see FIG. 1) may select the subject of bad information 901 and click view content 909 to view specific details of the reason for the bad credit registration for public record information national or local tax payments. You can check it.

FIG. 10 is a diagram illustrating an example of a screen detailing defect information related to paying national or local taxes according to an exemplary embodiment of the present invention. FIG.

Referring to Fig. 10, the customer (105, see Fig. 1) clicks on the contents view (909, see Fig. 9) to find out the details of the reason for the bad credit registration for public record information national or local tax payment as shown in the drawing. You can check it.

11 is a screen example of a search page for searching for a registration date of bad credit information according to an exemplary embodiment of the present invention.

Referring to Fig. 11, a search page for searching for a bad credit registration date includes at least a portion 1101 for selecting a loan type, a portion 1103 for selecting a division period, a portion 1105 for inputting an overdue amount, and a settlement date (first time). It may include a portion 1107 for selecting the overdue date. In the search page for searching for a bad credit registration date, the customer 105 (see Fig. 1) accesses the credit management server 101 (see Fig. 1), inputs personal credit information, and sets the bad credit registration date corresponding to the personal credit information. This is the search page you can check. For example, the customer 105 (see Fig. 1) selects the credit card as the loan type, enters the overdue amount of 1,000 won, and selects the settlement date as May 16, 2001 to confirm the bad registration date for the credit card late fee. The registration date can be clicked (1109).

12 is a screen example of a page showing a search result of a bad credit information registration date according to an embodiment of the present invention.

12, the customer 105 (see Fig. 1) selects the credit card as the loan type and inputs the overdue amount of 1,000 won to confirm the bad registration date for the credit card delinquency fee, and sets the settlement date on May 16, 2001. Let's say you chose. Then, the search result page of the date of bad registration of credit information may include a panel 1201 for confirming the above input and a panel 1203 indicating that the delinquent amount is 1,000 won and thus excluded from the bad registration criteria. The customer 105 (refer to FIG. 1) can continue to search for a bad credit registration date by clicking on the re-register registration button 1205.

13 is a diagram illustrating a screen of a search page for searching for a registration date of bad credit information according to another exemplary embodiment of the present invention.

Referring to FIG. 13, for another example of retrieving a bad credit date, the customer 105 (see FIG. 1) selects a credit card as the loan type 1301 to check the bad registration date for the credit card late fee. There is no split period 1303, and the overdue amount 1305 can be inputted to 100,000 won, and the settlement date 1307 can be selected as May 16, 2001, and the registration date 1309 can be clicked.

14 is a screen example of a page showing a search result of a bad credit information registration date according to another embodiment of the present invention.

Referring to FIG. 14, in order to confirm the bad registration date for the credit card delinquency fee, the customer 105 (see FIG. 1) selects the credit card as the loan type, enters the delinquent amount 100,000 won, and sets the settlement date on May 16, 2001. If you select, the search result page of the date of registration of bad credit information includes a panel 1401 for confirming the above input and a panel 1403 indicating that the date of registration of bad credit corresponding to the input is August 17, 2001. It may include.

15 is a screen example of a search page for searching for a bad credit retention period according to an exemplary embodiment of the present invention.

Referring to FIG. 15, a search page for searching for a period of bad credit preservation includes at least a portion 1501 for selecting a type of arrears, a portion 1503 for selecting a divided period, a portion 1505 for inputting a delinquent amount, and a delinquent period. It may include a portion 1507 to select. In the search page for searching for the bad credit preservation period, the customer 105 (refer to Fig. 1) accesses the credit management server 101 (refer to Fig. 1) and inputs personal credit information to set the bad credit preservation period corresponding to the personal credit information. This is the search page you can check. For example, the customer 105 (see FIG. 1) selects the arrears type as the trust loan, the split period as the 3-month installment repayment loan, and confirms the overdue amount to determine the credit retention period for the credit card delinquency fee. You can enter 100,000 won and enter the overdue period as the contract date March 6, 2001, and the settlement date February 2, 2002, and then click the Learn about retention period button 1509.

16 is a screen example of a page showing a search result of a bad credit retention period according to an exemplary embodiment of the present invention.

Referring to FIG. 16, a customer 105 (see FIG. 1) selects a late payment type as a trust loan, a split period as a 3-month repayment loan, and inputs an overdue amount as 100,000 won to confirm a period of bad credit retention. Suppose that you entered the delinquency period as March 6, 2001 and February 2, 2002. The bad credit retention period search result page may then include a panel indicating that the bad credit retention period corresponding to the input is February 3, 2002. The customer 105 (see FIG. 1) can continue to search for a credit failure preservation period by clicking the Discover Registration Date Retention Period button.

17 is a screen example of a search page for searching for deletion date of bad credit information according to an exemplary embodiment of the present invention.

Referring to FIG. 17, a search page for searching for deletion date of bad credit information includes at least a portion 1701 for selecting a type of arrears, a portion 1703 for selecting a date of bad credit registration, and a portion 1705 for selecting a settlement date (scheduled due date). ), A portion 1707 for inputting an overdue amount may be included. In the bad credit information deletion date search page, the customer 105 (refer to Fig. 1) accesses the credit management server 101 (refer to Fig. 1) and inputs personal credit information to retrieve the bad credit information deletion date corresponding to the personal credit information. You can do this. For example, the customer 105 (see FIG. 1) selects a late payment type as a loan to confirm the deletion date of the bad credit information, selects the bad credit registration date as February 4, 2001, and sets the settlement date (payment due date) in 2001. The user may select March 4 and input the overdue amount as 100,000 won to click the delete date finder button 1709.

18 is a screen example of a page showing a search result of the date of deletion of bad credit information according to an exemplary embodiment of the present invention.

Referring to FIG. 18, the customer 105 (see FIG. 1) selects the arrears type as the loan and confirms the date of the bad credit registration as February 4, 2001 to confirm the deletion date of the bad credit information, and the settlement date (payment due date). Let's say you chose March 4, 2001, and entered an overdue amount of $ 100. The search page for searching for the date of deleting the bad credit information may include a panel indicating that the date of deleting the bad credit information corresponding to the input is March 5, 2001.

19 is a diagram illustrating a screen of a page for confirming a method for recovering from a bad credit according to an exemplary embodiment of the present invention.

Referring to FIG. 19, a page for confirming a credit failure recovery method may display a list of credit failure information recovery methods registered by an administrator of the credit management server 101 (see FIG. 1) or a loan officer of each financial institution. When each heading 1901 of the list of bad credit information recovery methods is clicked, a page for viewing the details of each bad credit information recovery method may be displayed.

In addition, by providing a list of loan site links to customers (105, FIG. 1) who need funds using a post function such as the above list, or a customized fund loan list corresponding to information of the customer (105, FIG. 1) by itself. Can be provided. Here, the customized fund loan list may be a loan product list corresponding to information such as a job, an occupation, an annual salary, a real estate held by a customer, and a financial institution that the customer 105 (refer to FIG. 1) enters at the time of membership registration.

20 is an exemplary view showing a case of disadvantage due to bad credit according to an embodiment of the present invention.

Referring to FIG. 20, a specific example of disadvantages due to bad credit such as disadvantages of financial institutions, disadvantages of living, and disadvantages on property may be confirmed on a screen showing an example of disadvantages due to bad credit.

21 is an exemplary view showing a personal credit data input page according to an embodiment of the present invention.

Referring to FIG. 21, the personal credit data input page includes a credit information calendar button 2113, an alarm function setting button 2115, a loan type selecting part 2101, a split period selecting part 2103, and a payment amount. To a part 2105 for inputting a part, a part 2107 for selecting a contract date, a credit information input content display part 2111, a rewrite button (not shown), a save button 2109, a cancel button (not shown), and the like. Can be configured.

When the credit information calendar button 2113 is clicked, the credit information calendar screen shown in FIG. 22 may be displayed.

When the alarm function setting button 2115 is clicked, the alarm setting data input page of FIG. 23 may be displayed.

When the customer 105 (refer to FIG. 1) selects loan information, a split period and a contract date, inputs a payment amount, and clicks the save button 2109, the selected and input contents are displayed in the credit information input contents display portion 2111. May appear in addition to). As described above, a plurality of credit information may be input using a personal credit data input page. Personal credit information management for the credit information of the entered customer 105 (see FIG. 1) may be provided.

For example, a customer 105 (see Fig. 1) selects a mobile phone usage fee as a loan type, does not select a split period, enters a payment amount of 36,000 won, selects a contract date of May 16, 2001, and selects a save button ( 2109), the content may be added to the credit information input content display portion 2111. When the personal credit data is input in this way, the credit management server 101 (see FIG. 1) may provide a credit information calendar and alarm function corresponding to the personal credit data so that personal credit management may be performed.

The personal credit data input may be processed through the personal credit data input page through the network as shown in FIG. 21. In addition, the personal credit data input may be provided by the customer 105 (see FIG. 1) who does not use the network directly through his / her personal mail. The personal credit data entry page via the network may be a web document or an e-mail based on a wired or wireless network. In the case of sending personal credit data through mail, the customer 105 (see FIG. 1) may send the contents by registered mail and the like, and the cost may be borne by the customer 105 (see FIG. 1).

22 is a screen diagram showing a credit information calendar according to an embodiment of the present invention.

Referring to FIG. 22, the credit information calendar includes the inquiry year month selection part 2201, the specific item detail view button 2211, the current date display part 2203, today's to-do payment selection part 2205, and today's notice. It may be configured as a matter 2207, a confirmation button 2209, and the like.

When the year and month to be searched are selected in the inquiry year month selection part 2201, credit information of the corresponding month and month may be displayed on the credit information calendar. The credit information calendar may be displayed on a date on which credit processing details such as credit card payment, loan payment, and payment of a fee for using a mobile phone should be processed. When the detailed view button 2211 of each of the displayed credit processing details is clicked, the detailed details are displayed in the to-do part (not shown) of the day.

For example, if a customer (105, see FIG. 1) selects May 2001, the credit processing history must be processed in the credit information calendar: payment of cell phone fees on the 16th, credit card payments on the 25th, and loan payments on the 28th. Let's say When the customer 105 (see FIG. 1) clicks on the mobile phone fee payment in the credit processing details, details of the mobile phone payment and today's announcement 2207 may appear on today's work. Here, the details are contents input through the personal credit data input page of FIG. 21. When the customer 105 (refer to FIG. 1) has paid the mobile phone usage fee, when the user checks the payment completion selection part 2205 and clicks the confirmation button 2209, the information indicating that the payment processing is completed is displayed on the credit management server 101. 1).

FIG. 23 is a diagram illustrating a screen illustrating an alarm setting data input page according to an exemplary embodiment of the present invention. FIG.

Referring to FIG. 23, the alarm setting data input page includes an alarm reference date 2301, an alarm reference payment amount 2303, a part for selecting a notification means 2305, a bad registration date notification setting part 2307, and a set alarm item part. 2309, a save button 2311, and the like.

The alarm reference date 2301 may be provided in plural so as to be set according to the type of credit information. For example, a credit card related payment may be set to provide an alarm 3 days before a payment date and a loan related payment 10 days before a payment date.

The part 2305 for selecting the notification means may be provided with an electronic mail, a mobile phone text message, an SMS, and the like.

If an alarm reference date and an alarm reference payment amount, a notification means, a bad registration date notification, etc. are selected and the save button 2311 is clicked on, the alarm setting contents may be added to the set alarm item portion 2309. An alarm may be provided at a corresponding alarm day according to the set alarm content.

24 is a flowchart illustrating a process of processing personal credit data in a credit management server according to an exemplary embodiment of the present invention.

Referring to Fig. 24, a connection request signal is received from a customer 105 (see Fig. 1), and it is determined whether or not authentication has been accepted.

If authentication is accepted as a result of the determination, a personal credit data input page is provided, and personal credit data input from a customer 105 (see FIG. 1) is received. The received personal credit data is stored in the credit management server 101 (see FIG. 1), and credit bad data and schedule management data may be extracted according to an alarm schedule or a request for inquiry from a customer 105 (see FIG. 1). . The extracted credit failure data and schedule management data may be transmitted to the alarm setting data to the customer 105 (see FIG. 1). When the payment completion data is received from the customer 105 (refer to FIG. 1), bad credit data and schedule management data may be corrected.

As described above, personal credit management of the customer 105 (see FIG. 1) may be provided based on personal credit data and payment completion data input by the customer 105 (see FIG. 1).

25 is a diagram showing the configuration of a customer-customized loan information inquiry screen according to an embodiment of the present invention.

Referring to FIG. 25, the customized loan information inquiry screen 2501 may include a customer information portion 2503 and a customized loan information portion 2505.

The customer information portion 2503 may display loan-related customer information such as a customer's ID and name, company name, job title, salary, holding property, transaction financial institution, and the like.

The customized loan information portion 2505 may display a list of customized loan information of each financial institution corresponding to the customer information.

The customized loan information list may display a loan product name, a financial institution name, a maximum limit, a period, and the like. For example, a loan product called Samsung Aharon 하는 provided by Samsung Capital may be displayed, and the maximum limit of the loan product may be 50 million won and a period of two years.

Clicking on each loan product name of the customized loan information list, a direct link to a website corresponding to a financial institution that provides the loan product may be provided, or a loan application screen may be provided to directly apply for the loan. Loan application when the credit management server 101 (see FIG. 1) cooperates with another financial institution or establishes a loan product database (not shown) on its own credit management server 101 (see FIG. 1). The screen may be provided immediately. Accordingly, the customer 105 (see FIG. 1) may also be provided with credit information management and customized loan services through the credit management server 101 (see FIG. 1).

When the credit management server 101 (see FIG. 1) builds a customized loan product database (not shown) on its own, the credit management server 101 (see FIG. 1) is provided with respect to a plurality of loan products provided by each financial institution. The information is collected and stored in an integrated database 209 (see FIG. 2) coupled with the credit management server 101 (see FIG. 1). And a customized loan product corresponding to each loan related customer information is calculated by matching loan conditions of each of the stored plurality of loan products and loan related customer information items set in advance by the credit management server 101 (see FIG. 1). It is stored in the integrated database 209 (refer FIG. 2).

As described above, if the customer loan information is requested by the customer 105 (see FIG. 1) after the integrated database 209 (see FIG. 2) is established, the loan information is stored in the credit management server 101 (see FIG. 1). Extract customer information related to the loan of the customer. Then, at least one customized loan product corresponding to the extracted loan-related customer information is extracted from the integrated database 209 (see FIG. 2) and transmitted to the customer 105 (see FIG. 1).

For example, let's say that the loan condition of a loan product called Hana Bank is more than 100 million won and the annual salary is more than 30 million won. Then, the personal information of the loan-related customer information items set by the credit management server 101 (refer to FIG. 1) and the real estate items and salary items are directly provided by the Hana Bank. The loan is calculated and stored in the consolidated database 209 (see FIG. 2).

Then, the client (105, see FIG. 1) subscribed to the credit management server 101 (see FIG. 1) receives a request for a personalized loan information from Mr. Kim, and stored in the integrated database (209, see FIG. 2) (105, FIG. 1). Let's say Kim's loan-related customer information is KRW 190 million and his annual salary is KRW 47 million. Then, the loan is directly extracted by the Hana Bank with the personalized loan information corresponding to the customer's request for customized loan information (105, FIG. 1) and is provided to the customer (105, FIG. 1).

FIG. 26 is a diagram illustrating the structure of a note due date management screen according to an exemplary embodiment of the present invention. FIG.

Referring to FIG. 26, when the customer 105 (refer to FIG. 1) is an enterprise, an alarm setting for notifying of a bill or a due date of a check may be performed through the alarm setting data input page. This allows companies to develop systematic bill management or check management and funding plans.

The billing due date management page is a page for setting the alarm function for the billing date of the bills and checks held by the company. The billing due date management screen includes a note-related alarm reference date 2601, an alarm reference payment amount 2603, a part for selecting a notification means 2605, a bad registration date notification setting part 2607, a set alarm item part 2609, and storage Button 2611 or the like.

The bill-related alarm reference date 2601 is a part for setting how many days before the bill settlement date to provide an alarm.

The part 2605 for selecting the notification means may be provided with an electronic mail, a mobile phone text message, an SMS, and the like.

If a user selects an alarm reference date, an alarm reference payment amount, a notification means, a notification of a bad registration date, and the like, and clicks the save button 2611, the alarm setting content may be added to the set alarm item part 2609. According to the set alarm content, it is possible to provide an alarm for notifying the due date on the corresponding alarm date.

Alarm processing for the check due date may be provided in the same manner as the note due date alarm setting, and the note due date alarm setting and the check due date alarm setting may be provided as an integrated screen.

The present invention is not limited to the above embodiments, and many variations are possible by those skilled in the art within the spirit of the present invention.

According to the present invention, it is possible to provide a personal credit management service method and apparatus that manages a schedule for managing credit information in accordance with a customer's credit information input, and prevents bad credit registration in advance by setting an alarm function.

According to the present invention, it is possible to provide a personal credit management service method and apparatus for providing information for preventing credit failure registration in advance in correspondence with credit information input by a customer even without knowledge of credit related information.

According to the present invention, it is possible to provide a personal credit management service method and apparatus for providing a customized loan list corresponding to the customer information related to the loan of the customer. Here, the loan-related customer information is input when the customer is registered in the credit management server, and include at least one of a customer's type of business, occupation, company, position, department, salary, holding real estate, trading financial institution Can be.

Claims (26)

A method of providing a personal credit management service by a credit management server, Receiving a connection request signal from a customer; Authenticating the customer in response to the connection request signal; If the authentication result is valid, providing a personal credit data input page to the customer; Receiving personal credit data corresponding to the personal credit data entry page from the customer; Extracting bad credit data corresponding to the personal credit data; And Providing the extracted bad credit data to the customer Comprising Personal credit management service method characterized in that. The method of claim 1, Wherein said personal credit data entry page includes at least a loan type input unit, a split period input unit, a payment amount input unit, and a contract date input unit; Personal credit management service method characterized in that. The method of claim 2, The loan types include corporate loans, household loans, trust loans, bonds, loan interest delinquency, credit card charges, mobile phone charges, and national taxes. Personal credit management service method characterized in that. The method of claim 1, The bad credit data is a bad credit registration date, bad credit retention period and bad credit deletion date. Personal credit management service method characterized in that. The method of claim 1, The personal credit management service method Extracting schedule management data corresponding to the personal credit data; And Providing the schedule management data to the customer Containing more Personal credit management service method characterized in that. The method of claim 5, The schedule management data is at least a payment history of a specific loan type corresponding to a specific schedule; Personal credit management service method characterized in that. The method of claim 5, The personal credit management service method Extracting alarm setting data corresponding to the personal credit data; And Providing the bad credit data and the schedule management data to the customer corresponding to the alarm setting data. Containing more Personal credit management service method characterized in that. The method of claim 7, wherein The alarm setting data is preset by a system administrator of the credit management server Personal credit management service method characterized in that. The method of claim 7, wherein The alarm setting data is set by the customer Personal credit management service method characterized in that. The method of claim 7, wherein The personal credit management service method Providing an alarm setting data input page to the customer; Containing more Personal credit management service method characterized in that. The method of claim 10, The alarm setting data input page is At least an alarm selection unit corresponding to the settlement date, an alarm selection unit corresponding to the settlement amount, a notification means selection unit, and a bad credit registration date alarm selection unit Personal credit management service method characterized in that. The method of claim 11, The notification means is at least one of an e-mail, a mobile phone text message and an SMS service Personal credit management service method characterized in that. The method of claim 10, The personal credit management service method Receiving alarm setting data corresponding to the alarm setting data input page from the customer; Containing more Personal credit management service method characterized in that. The method of claim 1, The personal credit management service method Receiving payment completion data corresponding to the bad credit data and schedule management data from the customer; Containing more Personal credit management service method characterized in that. The method of claim 14, The personal credit management service method Correcting the bad credit data and schedule management data corresponding to the payment completion data; Containing more Personal credit management service method characterized in that. The method of claim 1, The personal credit data is Received by mail by the customer Personal credit management service method characterized in that. The method of claim 1, The credit management server Providing a link to the corresponding fund lending site. Personal credit management service method characterized in that. The method of claim 1, The credit management server Providing a customized loan list corresponding to the loan information of the customer Personal credit management service method characterized in that. The method of claim 18, The loan related customer information is entered when the customer registers with the credit management server. Personal credit management service method characterized in that. The method of claim 18, The loan-related customer information includes at least one of a customer's type of business, occupation, company, position, department, salary, holding property and trading financial institution. Personal credit management service method characterized in that. In the method of providing payment information, Receiving payment data corresponding to the customer's payment; Extracting payment completion data and customer information corresponding to the payment data; And Transmitting the payment completion data and the customer information to a credit management server. Including, The credit management server correcting the bad credit data corresponding to the customer by using the payment completion data and the customer information. Billing information providing method characterized in that. The method of claim 21, The payment information providing method Modifying schedule management data corresponding to the customer by the credit management server using the payment completion data and the customer information; Billing information providing method characterized in that. An apparatus for providing personal credit management services, Means for receiving a connection request signal from a customer; Means for authenticating the customer in response to the connection request signal; Means for providing a personal credit data entry page to the customer if the authentication result is valid; Means for receiving personal credit data corresponding to the personal credit data entry page from the customer; Means for extracting bad credit data corresponding to the personal credit data; And Means for providing the extracted bad credit data to the customer Having Personal credit management service device characterized in that. In the device for providing payment information, Means for receiving payment data corresponding to a customer's payment; Means for extracting payment completion data and customer information corresponding to the payment data; And Means for transmitting the payment completion data and the customer information to a credit management server Provided with Modifying, by the credit management server, credit failure data and schedule management data corresponding to the customer using the payment completion data and the customer information; Billing information providing device, characterized in that. A system for providing personal credit management services, A memory in which a program is stored; A processor coupled to the memory to execute the program Including but not limited to: The processor by the program, Receiving a connection request signal from a customer, Authenticating the customer according to the connection request signal; If the authentication result is valid, providing a personal credit data entry page to the customer; Receiving personal credit data corresponding to a personal credit data entry page from the customer, Extracting bad credit data corresponding to the personal credit data; And Providing the extracted bad credit data to the customer Will run Personal credit management system, characterized in that. In the system for providing payment information, A memory in which a program is stored; A processor coupled to the memory to execute the program Including but not limited to: The processor by the program, Receiving payment data corresponding to the customer's payment, Extracting payment completion data and customer information corresponding to the payment data; and Transmitting the payment completion data and the customer information to a credit management server. Including but not limited to: Modifying, by the credit management server, credit failure data and schedule management data corresponding to the customer using the payment completion data and the customer information; Will run Billing information providing system, characterized in that.