KR20010096448A - Loan brokerage server system via internet and management method thereof - Google Patents

Abstract

PURPOSE: A lending relaying server system using Internet and an operating method thereof are provided to perform a lending request process, search and provide articles to be lent, evaluate a client credit information and adjust a client rank by bank. CONSTITUTION: An information database stores various information including a loan article information, a client information and an information of a person in charge. An access part provides different web pages to a client who wants to lend, and the person in charge who provides loan articles, receives a lending request information and a lending application information from the client, and receives a result that the loan article information and the lending application information are accepted from the person in charge. A client-tailored lending processing part responses to the lending request information, searches the information database, stores the searched result in the information database, stores the lending application information in the information database, informs the lending application information to the person in charge, and informs the search result and acceptance result to the client.

Description

Loan brokerage server system via internet and its operation method

The present invention relates to an internet loan service, and more particularly, to a loan brokerage server system using the Internet and a method of operating the same.

In general, more and more customers are seeking to borrow from financial institutions for a given purpose. In addition, as communication networks such as the Internet develop, many customers try to obtain loans on the Internet.

At present, domestic loan-related services include information providing services and net-banking services. For example, an information service provides its members with loan information of each financial institution over the Internet. Specifically, an informational web site provides loan product introductions, loan product comparisons, and links major financial institutions and customer web browsers. In addition, the informational web site may perform a function of providing a loan news to a customer. On the other hand, a web site that provides a net banking service is provided by each financial institution based on the Internet and manages its own funding loan. Therefore, the net banking service web site sells its own loan products. At this time, the products that can be provided and sold to customers in each financial institution is limited.

Therefore, it is cumbersome that the customer has to connect to each financial institution site in order to receive a loan service, and to search whether there is a product required by the customer within the limited loan product provided by each financial institution. In addition, even if they find the loan product they want on the information service website, in order to receive the actual loan service has to be re-accessed to the financial institution's website and go through a separate loan service procedure.

The first technical problem to be achieved by the present invention is to provide a loan brokerage server system using the Internet that not only searches for and provides a loan product desired by a customer through the Internet, but also acts on behalf of the loan application process.

The second technical problem to be achieved by the present invention is to provide a method for operating the loan intermediation server system.

The third technical problem to be achieved by the present invention is to provide a credit rating information providing server that evaluates the customer's credit information through the Internet, and adjusts the customer's rating for each financial institution corresponding to the credit information.

The fourth technical problem to be achieved by the present invention is to provide a credit rating providing method performed in the credit rating information providing server.

1 is a diagram showing an internet loan brokerage server system according to an embodiment of the present invention.

2 is a view for explaining a credit rating information providing server of the system shown in FIG.

FIG. 3 is a flowchart illustrating a method of operating an internet loan brokerage system shown in FIG. 1.

4 is a flowchart illustrating a method of providing credit evaluation information of the operation method illustrated in FIG. 3.

5 is a diagram illustrating a customer loan product selection process based on information provided by the credit rating information providing server shown in FIG. 2.

6 is a view showing an internet loan brokerage server system according to another embodiment of the present invention.

FIG. 7 is a flowchart illustrating a method of operating an internet loan brokerage system shown in FIG. 6.

8 is a view showing a software routine performed in the web browser of the customer in the Internet loan brokerage system according to the present invention.

9 is a view showing a software routine performed on the web browser of the loan officer in the Internet loan brokerage system according to the present invention.

In order to achieve the first object, the loan intermediation server system using the Internet according to the present invention, in the Internet loan intermediation server system for brokering over the Internet to provide a loan product desired by the customer to the customer who wants to loan, loan product information An information database that stores a variety of information, including customer information and loan officer information; provides different web pages for customers who want to borrow and loan agents who provide loan products; loan request information and loan application information from customers Search the information database in response to the loan request information received from the connection and the customer receiving the loan product information and the approval result for the loan application information of the customer from the loan officer; Store loans received from customers Stores information in the information database, stores the approval results received from the loan officer in the information database, notifies the loan officer through the connection, the loan application information, and informs the customer of the search and approval results. It is preferable that the loan application processing section be configured.

In order to achieve the first object, the loan intermediation server system using the Internet according to the present invention, in the Internet loan intermediation server system for brokering over the Internet to provide the customer desired loan products to customers who want to loan, auction loan products An information database that stores a variety of information, including information, customer information, and loan officer information. Provides different web pages for customers who want to borrow and loan agents who provide loan products. In response to the auction case retrieval request information from the loan officer and the approval results for the auction entry request information and the auction loan application information, and the auction case retrieval request information from the connection manager and the loan officer, Search, search results information database And store the auction entry information and the approval result received from the loan officer in the information database, notify the customer of the approval result through the connection, and the search result and the auction loan to the loan officer through the connection. It is preferable that the auction loan application processing unit that delivers the application information.

In order to achieve the second task, the operating method of the Internet loan brokerage server system according to the present invention is a method of operating an internet loan brokerage server system that brokers through the Internet to provide a loan product desired by a customer from a loan officer of each financial institution. (A) building a loan product database for storing various information, including loan product information, (b) receiving a search key for searching for a loan product from a customer, the loan product being searched by the search key Retrieving the information and storing the search results, transmitting the search results to the customer, (c) receiving and storing the loan product application form from the customer in response to the search result, and transmitting the stored loan product application form to the loan officer; (d) receive the loan approval results in response to the loan product application and store them; In this case, it is preferable to notify the customer of the result of the approval.

In order to achieve the second task, the operating method of the Internet loan brokerage server system according to the present invention is to provide a method of operating an internet loan brokerage system that brokers through the Internet to provide a loan product desired by a customer from a loan officer of each financial institution. (A) constructing an auction loan database for storing various information, including auction loan application information, and (b) searching and searching the auction loan database by auction case search request information received from a loan officer. Storing the results, sending the retrieved results to the loan officer, receiving the auction bid application form from the loan officer in response to the searched result, storing it as an auction loan product, and sending it to the customer, (c) the loan application form from the customer Receive and save, loan the received loan product application form It receives and stores whether the gaseung from step and (d) transmitting to the loan officer personnel, and is preferably configured as a step for notifying the gaseung the result to the customer.

In order to achieve the third task, the credit rating information providing server according to the present invention is a credit rating information providing server that self-evaluates credit information of a customer and provides the evaluated information through the Internet. Credit rating store that stores the credit information of the client, the credit rating evaluation unit that evaluates the customer's credit rating in response to the customer basic information input from the customer, and credit institution operation standard information for each financial institution received from each financial institution. It is preferable that the customer credit rating adjustment unit for each financial institution is configured to adjust the customer's credit rating for each financial institution in response to the operation standard information database and credit institution-specific credit loan operation standard information.

In order to achieve the fourth task, the credit rating providing method according to the present invention is a credit rating information providing method for evaluating a customer's credit information by itself and providing the evaluated result via the Internet. Evaluating the customer's credit rating based on the customer's credit information held by the credit institution and the basic customer information entered from the customer; (b) the criteria for operating the loan as a basis for distinguishing the customer's rating from each financial institution; Receiving information and building a database; and (c) adjusting a customer's credit rating in response to credit institution operating criteria information for each financial institution.

Hereinafter, a loan brokerage server system using the Internet according to the present invention and a method of operation thereof will be described with reference to the accompanying drawings.

1 is a view showing an overview of the Internet loan brokerage system, a loan brokerage server system according to an embodiment of the present invention is applied. Referring to FIG. 1, an internet loan brokerage system includes a loan brokerage server 10, an internet 12, a customer web browser 14, and a loan manager web browser 16 of a financial institution.

In the present invention, the Internet 12 represents a computer communication network connecting the whole world using a Transmission Control Protocol / Internet Protocol (TCP / IP) protocol. In addition, a web server such as the loan brokering server 10 in the present invention generally means software for providing a web service in an environment connected to the Internet 12. However, in the present invention, it is used as a concept including a computer system for executing the software. In addition, web browsers, including customer web browsers 14, can read software (HyperText Markup Language) documents, which are standard web documents, and communicate with a web server using the HyperText Transfer Protocol (HTTP). it means. However, in the present invention, it is used as a concept including a computer system for executing the software.

The customer web browser 14 receives the search request for the loan product and the loan application information from the customer and transfers it to the loan brokerage server 10 through the Internet 12.

The loan manager web browser 16 receives the loan product information and the processing result for the loan application of the customer from the loan officer connected to each financial institution and delivers the loan product information to the loan brokerage server 10 through the Internet 12.

The loan brokerage server 10 provides different web pages to a customer who wants to borrow a loan and a web browser in charge of a loan to provide a loan product. In addition, the loan brokerage server 10 processes the loan product information provided from the loan officer and the loan application approval result and delivers it to the customer's web browser 14 through the Internet, and the loan received from the customer web browser 14. The application information is processed and transmitted to the web browser 16 of the loan officer through the Internet 12. Loan brokerage server 10 according to an embodiment of the present invention can provide loan products to customers in two ways. First, one of them is a custom loan method, and the other is an auction loan method using reverse auctions. Fig. 1 shows an overview of a loan brokerage system in which loan brokerage is made between a customer and a loan officer of a financial institution by a custom loan method.

A loan brokering server system using a custom loan method will be described in detail with reference to FIG. 1. The loan brokerage server 10 includes an information database 150, a customer connection unit 100, a custom loan application processing unit 110, a payment / service management unit 120, and a loan handling connection unit 130.

The information database 150 includes a customer database 152, a loan product database 154, and a loan officer database 156. The customer database 152 stores the information of the customer who wants to loan and the list of loan products selected by the customer. At this time, the customer's information may be personal profile information including the ID, name, social security number of the customer. In addition, the customer's credit matters and customer security matters may also be stored in the customer database 152. If the customer selects a desired loan product, the customer database 152 is updated to include such contents, and the loan product information requested by the customer is stored together. In addition, the customer database 152 stores not only the loan product information requested by the customer, but also information of the loan product actually paid to the customer by the customer's application.

Loan product database 154 stores a list of products presented by each financial institution. In addition, the loan product database 154 may store a loan product list and loan officer information of a financial institution that provides the loan product list. The list of loan products may vary depending on the financial institution or the person in charge, and may also vary depending on the type and purpose of the loan. For example, the kind of loan product may be classified into a product based on a credit loan and a product based on a mortgage loan. The loan product database 154 may also include a rate sheet for the loan product list. Here, the late sheet represents a list set so that a loan officer of the financial institution may change the interest rate of the loan product and present it on a daily, weekly or monthly basis. At this time, changing the applied interest rate may be changed on a daily basis or on a weekly or monthly basis depending on the authority of the loan officer under the control of the financial institution. However, the input of the rate sheet to change the applied interest rate is preferably made by the loan officer one day before or before the date. In addition, the loan product database 154 may store the customer's collateral evaluation information and credit evaluation information received from an external evaluation agency for reference when searching for the customer's loan product.

The loan officer database 156 stores information of a loan officer of the financial institution. In this case, the information stored in the loan officer database 156 may be personal profile information including the name and ID of the loan officer, information of the corresponding financial institution, information of a branch to which the loan officer belongs. In addition, the loan charge information database 156 stores the service evaluation information of each loan officer related to the loan service satisfaction feedback from the customer. In this case, the stored service evaluation information of the loan officer may be provided as reference information when another customer selects a loan product.

In addition, the loan manager database 156 may store the ID of the customer who received the loan and the information of the loan product paid to the customer together with the personal profile information. That is, the loan service contents provided to the customer by the loan officer may be fed back from the customer and stored in the loan manager database 156.

Although the information database 150 of FIG. 1 is shown as a database of a customer, a loan product, and a loan officer, respectively, the information database 150 may be integrated into one information database.

The customer connection unit 100 provides a web page for a customer who wants to loan to the customer's web browser 14 so that the customer web browser 14 is connected to the loan brokerage server 10. The customer connection unit 100 receives the loan product search request and loan product application information from the customer web browser 14 through the Internet 12 and stores it in the customer database 152. In addition, the customer connection unit 100 transmits the result processed by the custom loan application processing unit 110 to the customer web browser 14 through the Internet 12.

The custom loan application processing unit 110 searches the loan product database 154 in response to the loan product search request information received from the customer web browser 14 through the customer connection unit 100, and retrieves the search result from the loan product database. Save to (154). That is, the custom loan application processing unit 110 controls to display the item stored in the loan product database 154 to the customer at the request of the customer. In addition, the custom loan application processing unit 110 stores the loan application information of the customer and the approval result received from the loan officer in the customer database 152. In addition, the loan application information of the customer is notified to the loan officer, and the approval result received from the loan officer is notified to the customer.

The payment / service management unit 120 pays the fee for use by a predetermined payment means from a customer who has received a loan from the financial institution in response to the result processed by the personalized loan application processing unit 110, Receive evaluation information about the service. That is, the payment / service management unit 120 performs a processing procedure and service management for paying the fee from the customer who received the loan. Here, there may be a number of ways in which the customer can receive a loan.

The loan manager connection unit 130 provides a web page for a lender to the loan manager's web browser 16 so that the loan manager's web browser 16 is connected to the loan brokerage server 10. In addition, the loan manager connection unit 130 receives the loan product information and the approval result for the loan application of the customer from the loan officer.

In FIG. 1, the customer connection unit 100 and the loan manager connection unit 130 of the loan intermediation server 10 may be separately implemented, but may be integrated into one connection unit.

FIG. 2 is a block diagram illustrating the credit evaluation information providing server 18 shown in FIG. 1, and includes a credit rating evaluation unit 142, a credit institution operating reference information database 144 for each financial institution, and a customer credit rating for each financial institution. The adjusting unit 146 is included. Here, the credit rating information providing server 18 has its own credit rating system (CSS), such as Korean credit rating information, or Korean credit information, and is provided in a credit institution capable of calculating and managing customer credit information. Can be.

Although the credit institution 160 is shown as a separate component in FIG. 2, the credit rating information providing server 18 is preferably provided in the credit institution 160. However, it may be a separate credit institution provided outside the credit rating information providing server 18. For both the former and the latter case, the credit institution 160 collects the credit information of the customer from each financial institution and holds information such as bad transaction information and card usage history as the credit information of each customer.

The credit rating unit 142 receives the customer's credit information from the credit institution 160, and receives the customer's credit information from the customer or through the loan intermediation server 10. Here, the credit information of the customer represents basic customer information directly input from the customer, and the basic customer information may be referred to as various information including a job, age, income, etc. of the customer. That is, the credit rating evaluation unit 142 receives the basic customer information input from the customer and the customer's credit information received from the credit institution 160 to evaluate its own credit rating, and as a result of the evaluation, the customer's credit score Calculate

The credit institution operating criteria information database 146 for each financial institution stores credit loan operation criteria information received from each financial institution. Here, the credit management standard information represents an evaluation standard set by each financial institution to evaluate the rating, and the criteria for evaluating the credit rating are different for each financial institution. For example, as an evaluation standard set in each financial institution, the customer's grade is determined based on the deposit, saving amount, card usage history, etc. for the institution. As a specific example, a bank A classifies a customer's rating into five levels, sets a loan limit and a lending rate at each level, and a bank B classifies the customer's rating into six levels and a loan limit and a loan at each level. It is assumed to set interest rates. At this time, the classified grade becomes the grade of customers existing within the valid range that can be borrowed. That is, when dividing a customer's rating in each bank, the priority criteria may be different from other banks. That is, the bank A may give a high score to the card usage history, and the bank B may give a high score to the amount of money stored. In addition, each bank may have similar ranges or different ranges of classifying customers.

As such, each financial institution may have different ratings set according to which items are given higher priority. Such evaluation criteria information of each financial institution, that is, credit loan operation criteria information is classified by financial institutions and stored in the credit loan operation criteria information database 146 for each financial institution. The stored information is also updated each time new reference information is received from the financial institution.

The customer credit rating adjustment unit 144 for each financial institution adjusts the rating of the customer for each institution in response to the credit loan operation standard information for each institution stored in the credit institution operation standard information database for each financial institution. That is, the customer credit rating adjustment unit 144 for each financial institution determines how much of each customer's rating is evaluated according to the financial institution by referring to credit loan operation standard information for each financial institution. For example, for a customer with a credit score of 85, it could be set at Tier 1 at Bank A and at Tier 2 for Bank B. The customer rating adjustment result may be stored as additional information in the loan product database 154 (see FIG. 1) of the loan brokerage server 10.

In addition, although not shown in detail, the credit evaluation information providing server 18 shown in FIG. 2 receives approval approval information notified to the customer from the loan intermediation server 10. In this case, the received approval information is reflected in the institutional credit loan operation standard information stored in the financial institution-specific credit loan operation standard information database 146 and used to re-grade the customer. Indeed, the probability of the actual approval of the customer's rating is known through the results fed back from the loan brokerage server 10. This information reflects the accuracy of each financial institution's rating of the evaluated customer's credit score, and is intended to further increase the probability of approval.

As described above, the credit rating information providing server 18 may be provided in a credit rating agency such as Korean credit rating or Korean credit information, but the inside of the loan intermediation server 100 shown in FIG. It is also possible to be provided in. That is, in the latter case, the self-evaluation of the customer's credit and the adjustment of the customer's rating for each financial institution may be sufficiently performed even inside the loan intermediation server 100.

3 is a flowchart illustrating a method of operating a loan brokerage server system shown in FIG. 1. Referring to Fig. 3, reference numeral 200 denotes a process in a customer computer, reference numeral 220 denotes a process performed in the loan intermediation server 10, and reference numeral 240 denotes a process performed in the computer in charge of the loan.

More specifically, with reference to Figures 1 to 3 will be described with respect to the Internet loan brokerage system of the custom loan method. First, a loan product database 154 for storing loan product information is constructed in the loan brokering server 10. At this time, the customer interested in the loan can access the customer web site provided by the loan brokerage server 10 through the web browser 14 (201). In addition, the loan officer of the financial institution may be connected to the loan member site provided by the loan brokerage server 220 through the loan officer web browser 16 (241). If the loan officer is to register or change the product information in the current loan product database 154, the condition of the changed product is registered (242). Here, the item that can be a change condition may be a kind of loan product, that is, a kind such as a mortgage loan or a credit loan. For example, the mortgage type, period, loan payment method, interest payment method, interest change cycle, and interest application method may be changed by the loan officer. In addition, the change of the loan product can also be changed by the purpose of the loan. As such, when the condition is changed by the authority of the loan officer (242), the loan brokerage server 10 receives the change contents from the loan officer web browser 16 and updates the contents of the loan product database 154 (a1). step). In addition, the loan officer inputs an applied interest rate for each product (243). That is, if the loan rate applied to the loan product through the loan web browser 16 is changed by the predetermined unit of day, the loan brokerage server 10 receives the applied interest rate from the loan web browser 16 through the Internet The rate sheet of the loan product database 154 is changed and stored (step a2).

At this time, the loan brokerage server 10 receives a predetermined loan product application form on the web page from the customer who searched the loan product database 154 through the Internet 12. Specifically, the customers connected to the web page for the customer searches for the loan products provided by the loan brokerage server 10 (202). For this processor, the loan brokerage server 10 receives the loan product search request information of the customer (step b1). Here, when the customer searches for the loan product, the customer may enter and search various search codes. For example, a customer can search for products by loan region, loan type, and purpose. In addition, a loan period and a loan repayment method may be searched by entering a search key, and a customer product may be searched by entering a search key. Here, when the customer wants to search for the product by the type of loan, the loan brokerage server 10 inputs the credit rating information by the external organization and stores in the loan product database 152 (step b2), the evaluation Use the information to help customers find your loan. That is, the credit rating of the customer is evaluated by an external rating agency or its own credit rating information, and this can be referred to so as to search for a suitable loan product in response to the customer credit rating. In addition, when a customer selects a credit loan, a loan product that meets the search condition may be provided by inputting a job, years of service, annual income, family matters, etc. as a search condition as a credit related matter of the customer. Here, as described in FIG. 2, the credit rating may be received from a credit rating information providing server provided at an external credit institution, or may be provided at a credit rating information providing server provided inside the loan intermediation server 10. have.

4 is a flowchart for explaining a credit evaluation providing step (b2) of the loan intermediation method shown in FIG. Referring to FIG. 4, in step b2, the customer's credit rating is evaluated based on the customer's credit information received from the credit institution 160 and the basic customer information input from the customer (step 250). As mentioned above, evaluating a customer's credit rating is accomplished by calculating the customer's credit score. That is, calculating the customer's credit score may be calculated by a predetermined formula provided by the credit rating information providing server 18 itself. The formula may simultaneously consider a plurality of items related to the customer's credit, such as information such as age, occupation, and income as basic customer information, and credit information such as a customer's card use history and whether there is a bad transaction. It is calculated according to how much weight each item has. At this time, the credit rating information providing server 18 receives credit loan operation standard information from each financial institution and constructs a credit loan operation standard information database for each financial institution (step 260). In operation 260, the credit evaluation information providing server 18 adjusts the credit rating of the customer in response to the credit institution operation standard information for each financial institution (operation 270). At this time, the adjusted customer's credit rating is delivered to the customer through the loan intermediation server 10 to enable the customer to search for a loan product suitable for his credit rating.

5 (a) to 5 (d) are diagrams illustrating an example of a customer's loan product selection process based on credit rating information provided by the credit rating information providing server 18 shown in FIG. (a) shows the class classification of the customer adjusted by the institution, Figure 5 (b) shows the loan products provided by each institution for each grade and Figure 5 (c) shows the selectable loan products according to the customer's credit score 5 (d) shows a loan product satisfying a search condition input by a customer.

Referring to an example of the institutional rating information list shown in FIG. 5 (a), the credit score of each customer may be classified into 10 to 70, 80, and 90 points such that the credit score of each customer is 10 points apart. For example, if a customer has a credit score of 87, he would be in Tier 2 on the basis of Institution A, and would be in Tier 1 on the basis of Institution B. As described above, the criteria for credit loan operation classified by each institution are different. In addition, the credit institutions operating criteria for each financial institution illustrated in FIG. 5 (a) may be grouped by groups with similar classification results.

Therefore, the customer may be provided by searching the loan product database 154 (see FIG. 1) of the loan intermediation server 10 for a list of loan products for each grade provided by each institution. FIG. 5 (b) is an example diagram showing a list of products stored in such a loan product database 154 and provided to a customer. As shown in (b) of FIG. 5, the loan product may be displayed together with the loan limit and the interest rate for each institution. Here, the loan limit may be replaced by a loan service rate (hereinafter referred to as DSR). Thus, the customer may be provided with a list of loan products selectable according to his or her credit rating, as shown in FIG. 5 (c). Referring to FIG. 5C, loan products selectable by the customer may be displayed as information including respective codes, loan limits, loan interest rates, and the like for each institution. If the loan limit is replaced by the DSR rate, the loan limit can be calculated taking into account the individual's income. That is, when a customer inputs a desired loan condition through the loan intermediation server 10, in the case of a credit loan, loan products meeting the customer's conditions are financed through the loan intermediation server 10 as shown in FIG. 5 (d). Each institution is provided to customers.

Referring back to FIG. 3, when the customer selects a mortgage loan, as a security-related matter provided by the customer, the market price, location and lease of the real estate may be input as a search key. Preferably, the market price information may be provided in real time by connecting external market real estate market information. Specifically, although not described, the database may be searched by other various search conditions and methods.

The loan brokerage server 10 displays the search results to the customer by displaying the data searched by the customer through the customer's web page (b3). At this time, the customer can search for the loan product input / modified from each financial institution and the loan officer by the screen information of the web page for the customer. Accordingly, when the customer, who has received the product search result from the loan brokerage server 10, forms a loan product selection application on the web page when there is a desired loan product (204). The loan brokerage server 10 receives a loan product application form from the customer through the Internet 12 and registers it in the customer database 152 (step c1). In this process, the loan officer searches the application of the day (244). That is, the loan officer sends the loan brokerage server 10 to the loan brokerage server 10 by searching for the loan application form of the customer and searching the search result, and the loan brokerage server 10 notifies the customer of this. Specifically, the loan brokerage server 10 receives the loan application search request information through the web browser 16 of the loan officer (step c2), and the application search result based on the received search request information of the loan manager web page. Show through the screen information. Therefore, the loan officer examines whether or not the loan product is approved for the customer based on the application search result (245). Here, the loan officer evaluates the customer's credit by the financial institution's own Credit Scoring System (hereinafter referred to as CSS) (not shown) at the time of approval approval. The loan brokerage server 10 stores the approval result received from the loan web browser 16 through the Internet 12 in the customer database 152 (step d1), and delivers it to the customer (step d2). . At this time, the loan brokerage server 10 may be notified to the approval result using the customer's e-mail, or may be delivered to the customer by various processes such as leaving a message on a web page.

At this time, the customer who has been informed of the approval result delivers the application form required for the loan to the loan brokerage server 10, and the loan brokerage server 10 acts on behalf of the documents required for the loan to provide a web browser (16) of the loan officer. To pass). Specifically, the customer who made the loan product selection application confirms the approval result delivered from the loan intermediation server 10 (205), and inputs the payment means of the customer, for example, the card number (206). Thereafter, the customer verifies the authorization number based on the card number entered, and creates a loan application required for the actual loan (207). The loan intermediation server 10 receives a loan application on the web page from the customer's web browser 14 (d3), and performs a proxy service related to the received application (d4). Here, the document application data processed by the loan brokerage server 10 is transmitted to the loan handling web browser 16 via the Internet (d5). At this time, the loan officer checks the submitted documents and prepares an agreement (246). The written agreement is processed by an appraisal agency (not shown) provided inside the financial institution. Through this process, when the loan officer goes through the final confirmation process, the customer can visit the counter directly or receive a loan provided by the financial institution through another channel.

At this time, the loan brokerage server 10 charges a fee for use from the customer who received the loan and pays the fee for the corresponding amount. The detailed fee payment process is described as follows. That is, when the payment of the loan is completed, the loan officer notifies that the payment of the loan is completed through the Internet (step e1), and the payment management unit 120 inside the loan intermediation server 10 performs the processing for payment of the fee ( e2). That is, the loan brokerage server 10 transmits the fee for use data to the customer's web browser 14 (step e3). At this time, the loan intermediation server 10 transmits to the customer together with the information on the fee billing data and the information on the evaluation of the service of the loan officer. Also, sending to the customer can use the customer's mail. Accordingly, the customer who received the loan pays the fee using the input card (208), and inputs the processing result of the loan service and the service status, evaluation, and customer's opinion of the loan officer (209). The loan service processing result and the customer's opinion are transmitted to the loan brokering server 10 (step e4), and stored in the loan handling database 156 of the loan brokering server 10. In addition, the processing result of the royalty payment is transmitted from the loan brokerage server 10 to the loan handling web browser 16 via the Internet 12 (step e5). Accordingly, the loan officer may check the processing result of the loan service (248). In addition, the loan brokerage server 10 may notify the result through the e-mail of the loan officer.

Through this process, a loan brokerage can be made by a custom loan method between a customer and a loan officer of a financial institution. That is, in the present invention, the quality of the loan service can be improved by strictly managing the result of the loan service provided by the loan member in the loan brokerage server 10.

Hereinafter, with reference to the accompanying drawings with respect to the Internet loan brokerage server system and its operation method according to another embodiment of the present invention.

6 is a diagram illustrating an internet loan brokerage system, and an internet loan brokerage server system according to another embodiment of the present invention is applied. Referring to FIG. 6, the internet loan brokerage system includes a loan brokerage server 30, an internet 32, a customer web browser 34, and a loan manager web browser 36.

The customer web browser 34 receives the auction loan selection information, the loan product selection information, and the loan product application information from the customer and transfers the information to the loan brokerage server 30 through the Internet 32.

The loan manager web browser 36 receives the auction request search request and the auction bid request request information from a loan officer connected with each financial institution and transmits the request to the loan brokerage server 30 through the Internet 32. In addition, the loan handling web browser 36 transmits the approval result of the customer loan application through the Internet (32).

The loan brokerage server 30 processes the auction loan selection information, loan product selection information, and loan product application information received from the customer's web browser 34 through the Internet 32, and delivers the information to the loan manager web browser 36. The auction case search request, the auction entry request information, and the loan product application approval result received from the loan handling web browser 36 through the Internet 32 are processed and transmitted to the customer web browser 34.

The loan brokering server 30 of the loan brokering system shown in FIG. 6 will be described in detail. The loan brokerage server 30 includes an information database 350, a customer connection unit 300, an auction loan application processing unit 320, a payment / service management unit 330, and a loan manager connection unit 340.

The information database 350 includes a customer database 352, an auction database 354, and a loan officer database 356. First, the customer database 352 stores profile information of customers who have selected an auction loan. In addition, the customer database 352 may store profile information of a person who needs or is interested in an auction loan product. If the customer selects an auction loan to select / apply a loan product, the contents of the customer database 352 are changed, and the loan product requested by the customer is also stored.

The auction database 354 stores the information of the customer and the auction condition information of the customer who wants to apply for the auction loan when the customer selects the auction loan. Here, the customer's information may be general profile information such as the customer's name, social security number, annual income, occupation, and collateral and credit matters. In addition, when a customer applies for an auction loan by granting his or her auction condition, information on a loan officer who wants to bid on the auction is stored in the auction database 354. Here, the loan officer's information may be personal profile information and auction bidding conditions that the loan officer wants, that is, loan conditions.

The loan officer database 356 may be referred to as the same component as the loan officer database 156 included in the loan brokerage server 10 shown in FIG. 1. Therefore, detailed description is omitted.

6, the customer database 352, the auction database 354 and the loan database 356, respectively, are shown to be built, but integrated into one information database, and implemented Can be.

The customer connection unit 300 provides a web page for a customer who wants to loan to the customer's web browser 34 so that the customer web browser 34 is connected to the loan intermediation server 30. In addition, the customer connection unit 300 receives the auction loan request and loan product application request data from the customer's web browser 34 through the Internet 32, and displays the result processed by the auction loan application processing unit 320 of the customer's web. It passes through the Internet 32 to the browser 34.

In response to the auction loan selection request from the customer, the auction loan application processing unit 320 stores the information and auction conditions of the customer who selected the auction loan in the auction database 354 and according to the auction loan bid request received from the loan officer. Loan information and loan condition information are stored in the auction database 354. In addition, the auction loan application processing unit 320 receives the loan product selection information from the customer in response to the auction result between the customer and the loan officer, and receives the approval result for the selected loan product from the loan officer to receive a customer database ( 352). Here, the processing result for the selected loan product is delivered to the customer. To this end, the auction loan application processing unit 320 provides a customer with a web page for receiving a loan product application and approval after approval.

Since the payment / service manager 330 performs the same function as the payment / service manager 120 shown in FIG. 1, a detailed description thereof will be omitted.

The loan manager connection unit 340 provides a loan manager web page to the loan manager's web browser 36 so that the loan manager's web browser 36 is connected to the loan brokerage server 30. Accordingly, the loan manager connection unit 340 receives the auction case search request information, the application case search result, the approval information, and the like from the web browser 36 of the member in charge of the financial institution loan.

In FIG. 6, the customer connection unit 300 and the loan manager connection unit 340 of the loan intermediation server 30 are separately implemented, but may be integrated into one connection unit.

7 is a flowchart for explaining a process of the system shown in FIG. Referring to FIG. 7, reference numeral 400 denotes a process at a customer's computer, reference numeral 420 denotes a process of the loan brokerage server 30, and reference numeral 440 denotes a process of the loan officer browser.

6 and 7, the process of the internet loan brokerage server system applying the auction loan method will be described in detail. First, the general customer and the target customer for the purpose of the auction loan connect to the customer loan site provided by the loan brokerage server 30 (401). The target customer selects an auction loan at the customer loan site (402). The loan brokerage server 30 receives the customer information, the auction condition information, etc. from the customer who has selected the auction loan to build the auction database 354 (step a1). Here, the customer information stored in the auction database 354 may be input not only profile information of the customer, but also personal security matters such as collateral owned by the customer according to the type of loan. In addition, the credit information of the customer may be input according to the type of loan. For example, the auction database 354 may store loan status or bad transaction details of the customer's other financial institution. In addition, the auction conditions suggested by the customer, for example, auction terms including loan period, interest rate, and auction closing date and the like are stored in the auction database 354.

Meanwhile, the loan officer web browser 36 connects to a loan officer site provided by the loan brokerage server 30 (441). At this time, the loan officer who accesses the web site searches for auctions stored in the auction database 354 (442). Specifically, the loan brokerage server 420 receives search request information for searching for an auction from the loan manager web browser 36 (step b1). In addition, the contents stored in the auction database 354 at the request of the loan officer is displayed in the loan manager web browser 36, the loan officer is auction entry application for the desired auction by the search results loan broker server (30) (Step b2). Therefore, the loan brokerage server 30 inputs the auction participation application received from the web browser 36 of the loan officer in the auction database 354, and delivers the auction application result received from the loan officer to the customer (step b3). ). At this time, the customer checks the auction result stored in the auction database 354 at the auction closing date (403). Therefore, the customer confirms the auction bidding results, and the application for applying for a desired loan product among the loan products stored in the auction database 354 based on the confirmed result, that is, the loan products meeting the loan conditions presented by the loan officer. (404). Here, the loan product application refers to an application provided on the customer's web page. That is, the loan brokerage server 30 receives the loan product application selected from the customer (step c1), and stores the received loan product application in the customer database 352. The loan officer searches the customer database 352 to search for loan product applications requested by the customer (444), and examines whether the loan is approved (445). That is, the loan brokerage server 30 receives the application search result from the customer's web browser 34, and receives a result of the approval check from the loan web browser 36 (d2). Here, since the process after the result of the approval approval review is made in the same manner as the process shown in Figure 3, a detailed description thereof will be omitted.

As described above, the loan brokerage system of the present invention implements a loan brokerage server as a different embodiment, but the brokerage server of the custom loan method and the brokerage server of the auction loan method may be implemented to be integrated into one server.

8 is a view for explaining a software routine that is processed in the customer's web browser in the Internet loan brokerage system of the present invention.

Referring to FIG. 8, a home page screen is displayed 50 when a web browser of an already subscribed customer and the first customer is connected to a web site provided by a loan brokerage server. The home page 50 includes a member registration menu 500 for a new subscription, a login menu 502 for logging in of a member who has already subscribed, a daily interest rate disclosure menu 504, events and news 506. The loan product menu 508 provided by the financial institution is displayed on the web page. Here, the membership registration menu 500 is configured by the basic customer information input menu 101 and the ID confirmation menu 502 after customer information input.

At this time, the customer who has confirmed the ID by the new subscription in blocks 500 to 502 and the existing customer who is currently logged in can search the detailed information by the detailed inquiry menu 505 for the interest rate applied today. In addition, the customer may select a loan product provided by each financial institution by the financial institution loan product menu 508 (509), and the logged-in customer may select the loan product and inquire in detail (510). . In addition, the web page may be provided with a permanent menu 513 including a company introduction and other general information, a link to a related site, an agency telephone number, and the like. Here, the target customer connected by another web site other than the customer logged in to the web site for the customer may search the loan product by the purpose-specific product search menu 512. As such, the main menu page 55 for the customer is displayed in the web browsers of the target customers who have completed the purpose-specific product search and the customers who have already logged in.

Here, the main menu page 55 includes selection routines 520 to 530 for custom loans, and, selection routines 540 to 552 for auction loans, routines for applying for loans 560 to 564, and loan applications. It consists of routines (570 ~ 580) for checking results and paying the fee. First, a custom loan product search menu 520 is displayed for a custom loan, and a loan purpose selection menu 521 and a type selection menu 522 are displayed accordingly. Since the loan type may be divided into a credit loan 524 and a mortgage loan 523, the customer may select a desired loan type. If the customer selects a credit loan 524, the customer inputs a matter related to his credit by his credit input menu 526. At this time, the credit rating agency information 531 may be a reference material for evaluating the customer's credit matters, and as described above, provides the credit rating of the customer adjusted for each financial institution. In addition, when the customer selects the security loan 523, the customer inputs the details related to his security by the security information input menu (525). When the collateral is input, the current real estate market price may be inquired by the external collateral evaluation agency information 530 and the inquired result may be referred to. In this way, the range of products that can be loaned to the customer is set by the credit or security matter input by the customer and the reference data of the external evaluation agency. In this case, the customer may select a search condition input menu 527 to search for a loan product corresponding to a desired condition, and may check this through a web page screen (528). The results retrieved by the customer are stored in the customer database by the save menu 529.

On the other hand, in order for a customer to receive a loan intermediary service by an auction loan, the customer selects an auction loan participation application menu 540 displayed on a web page. At this time, the customer determines whether to receive a mortgage loan or a credit loan by the loan type selection menu 541. If the customer selects the secured loan menu 542, the customer enters his collateral (544), and if the customer selects the credit loan menu 543, enters the credit (54). After entering the collateral or credit details, the customer inputs the auction conditions required by the auction condition input menu 546. In addition, when the auction condition input is completed, the auction loan result is checked at the auction deadline (550). That is, the customer confirms the auction result by the auction result confirmation menu 551 and stores the confirmed result (552).

In this way, when the loan search process by the customized loan product search or auction loan application is completed, the customer selects a loan application menu 560. When the loan application menu 560 is selected, the customer inquires the search result and the auction result input by the customer (561), and selects the loan target case (562). When the loan subject is selected, the customer fills out an application on the web page by the application creation menu 563, and selects the application menu 564 to complete the loan application work. When the loan application is completed through this process, the customer may check the loan application result through the web page screen (570). Specifically, the customer inquires the progress of his loan application (571), and confirms that the approval of approval from the loan officer (572). Here, the approval notification result may be delivered to the customer via email. After confirming the approval result, the customer inputs the card number to which the fee is paid (573) and confirms the approval number and the loan officer (574). At this time, the customer outputs the approval letter (575), and selects the document agency application menu 576 to apply for the documents required for the loan service. Through this process, information for requesting payment of a fee and confirming service evaluation is delivered to a customer 580 who has received a loan from a loan officer of the financial institution through a web browser or an e-mail. Therefore, the loan customer 580 notifies the payment of the fee, and inputs opinions and evaluation contents on the service result of the loan officer.

9 is a view for explaining a software routine performed in the web browser of the loan member connected to each financial institution in the Internet loan brokerage system of the present invention.

Referring to FIG. 9, a home page screen is displayed when a loan member who is already subscribed and a web browser of a member who wants a new subscription are connected to a loan website. At this time, the home page 60 includes a member registration menu 600 for a new subscription, a login menu 603 for a member who has already subscribed to log in, a loan information 604 of yesterday, and events and news 606. Is displayed. Here, in order to join a home page as a new loan officer, a basic customer matter input menu 601 is inputted by a customer who wishes to join as a loan officer 601. At this time, after entering the basic customer information can be registered as the first member through the ID verification procedure (602). Here, the procedure of checking the ID after inputting the customer information may be performed by using the member's e-mail. If the loan information menu 604 of yesterday is selected, the details can be inquired (605). Similarly, the detailed contents inquiry menu 607 for the event and the news can be inquired.

As such, a new registered member or an existing member may access a main menu page for the member through a login procedure. First, the menu provided to the loan member by the custom loan method is shown as 630 ~ 644. In detail, the loan member registers various loan products provided by the financial institution through the loan product registration menu 630. Specifically, in order to register a loan product, a member in charge of a loan first selects a loan type and a purpose through a loan type / purpose selection menu 631 and newly inputs loan conditions for each loan type / purpose (632). In addition, when the member in charge of the loan wants to change the condition of the loan product input by him, the loan condition is corrected by the loan condition correction input menu 633 and stores the corrected content (634). In the custom loan method of the present invention, the interest rate of the loan product may be changed by the application rate registration menu 640. To this end, the loan member selects the loan product by the loan product selection menu 641 and inputs the interest rate into the rate sheet of the loan product database 154 by the interest rate new input menu 642 to be changed. . If a new interest rate is to be changed, the interest rate correction input menu 643 changes and registers the applied interest rate and stores the registered information (644).

On the other hand, in the case of an auction loan, the loan member can bid on the auction presented by the customer by the auction loan bid application menu (650). That is, for this purpose, the loan officer member searches for the auction loan set by the customers by the auction loan target inquiry menu 652. At this time, the loan officer selects an appropriate auction target case (653) and enters the bidding conditions for the auction target case (654). These matters are stored in the auction database 354. Therefore, the loan officer who wants to bid on the auction loan may select the bid application menu 655 to participate in the auction proposed by the customers. Through the process of the loan officer for custom loans and auction loans through this process, the loan officer can search for loan application auction cases displayed on the web page by the loan application search menu 660. In this case, the loan officer inquires the application / meridian target case (661), selects the loan target case using the target case selection menu 662, and inputs the result of the approval (663). Here, the inquiry about the application / meridian can be notified by an e-mail of the loan officer. After this process, the loan officer handles the approval target case by the status inquiry menu 670 of the approved case. In more detail, the loan officer inquires a target of approval for approval from the input by the approval result input menu 663 in operation 671. At this time, the loan officer inputs the current progress on the web page (672), and inputs the processing result for the current progress (673).

Through such a process, the internet loan brokerage system of the present invention can broker a loan product provided by a financial institution to a customer who wants to loan.

According to the present invention, the customer can quickly perform the search, loan application and payment process by the automated processor through the Internet without having to visit the financial institution and receive a loan, and evaluate and manage the service result. By doing this, the quality of loan service can be improved.

In addition, the Internet loan intermediation system according to the present invention can not only help to create a real customer's interest by mediating to provide customers with loan products of various interest rates, but also on-line document agency services through the Internet And consulting is possible. In addition, when a customer receives a loan intermediation service from the loan brokering server, the customer's credit score can be accurately evaluated, and the customer can easily provide the loan product by providing the institutional loan product corresponding to the customer's rating by the credit score. Not only can you search, but you can increase the probability of loans for selected products.

Claims (30)

In the Internet loan intermediation server system for brokering over the Internet to provide a loan product desired by the customer to the customer who wants a loan, An information database for storing various information including loan product information, customer information, and loan officer information; Provide different web pages to the customer who wants the loan and the loan officer providing the loan product, receive loan request information and loan application information from the customer, and receive the loan product information and the customer from the loan officer Connection for receiving the approval result for the loan application information of the; And Retrieving the information database in response to the loan request information received from the customer, storing the retrieved result in the information database, storing the loan application information received from the customer in the information database, Storing the approval result received from the loan officer in the information database, notifying the loan officer through the connection unit, the loan application information, and notifying the search result and the approval result to the customer; An internet loan brokerage server system comprising a loan application processing unit. The method of claim 1, wherein the connection portion, A customer connection unit providing a web page for a customer to the customer who wants the loan through the Internet, and receiving the loan request information and the loan application information from the customer; And And providing a loan page for providing a web page for a loan officer to the loan officer and receiving a result of approval of the loan product information and the loan application information of the customer from the loan officer. Internet loan brokerage server system. The method of claim 1, wherein the information database, An internet loan brokerage server system, comprising: a loan product database for storing information on a plurality of loan products whose interest rates are changed on a predetermined date basis. According to claim 3, The loan brokerage server system, Receiving evaluation information from an external credit rating agency or an external collateral rating agency, and stores the received evaluation information in the loan product database. According to claim 1, The loan brokerage server system, Internet loan intermediation server system, characterized in that it further comprises a means for paying the fee from the customer received the loan from the financial institution. According to claim 1, The loan brokerage server system, And means for receiving, from the customer, service evaluation information on the loan service of the loan officer, and informing the loan officer of the received information. According to claim 1, The loan brokerage server system, The customer's credit rating is evaluated in response to the customer's credit information received from an external credit institution and the customer's basic information input from the customer, and credit loan operation criteria information received from the respective financial institutions and the evaluated customer And a credit rating information providing server for adjusting the rating of the customer in response to the credit rating of the Internet loan brokering server system. The method of claim 7, wherein the credit rating information providing server, Receiving approval information notified to the customer, Credit evaluation information providing server, characterized in that for reflecting the received information in the credit information management standard for each financial institution. The loan brokerage server system of claim 1, wherein Receive credit rating adjustment information of the customer from a credit rating information providing server of an external credit institution, The credit rating information providing server evaluates the credit rating of the customer in response to the credit information of the customer held by the credit institution and the customer basic information input from the customer, and the credit loan operation criteria received from the respective financial institutions. And adjust the rating of the customer in response to the information and the credit rating of the evaluated customer. In the Internet loan intermediation server system for brokering over the Internet to provide a loan product desired by the customer to the customer who wants a loan, An information database for storing a variety of information including auction loan product information, customer information and loan officer information; Provide different web pages to the customer who wants the loan and the loan officer who provides the loan product, receive auction loan conditions and auction loan application information from the customer, and request auction event search request information from the loan officer; A connection unit configured to receive the auction participation application information and the approval result for the auction loan application information; And Retrieving the information database in response to the auction event search request information from the loan officer, storing the search result in the information database, and auction entry information and the approval result received from the loan officer; Storing in an information database, notifying the customer of the approval result through the connection unit, and providing an auction loan application processing unit for transmitting the search result and the auction loan application information to the loan officer through the connection unit. An internet loan brokerage server system characterized by the above. The method of claim 10, wherein the connection portion, A customer connection unit providing a web page for a customer to the customer who wants the loan through the Internet, and receiving the auction loan condition and the auction loan application information from the customer; And Providing a web page for a loan officer to the loan officer through the Internet, receiving the auction case search request information and the auction entry information from the loan officer, and receiving the auction loan application information of the customer from the loan officer An internet loan brokerage server system, comprising: a loan handling connection unit for receiving a result of approval. The method of claim 10, wherein the loan intermediation server system, Internet loan intermediation server system, characterized in that it further comprises a means for paying the fee from the customer received the loan from the financial institution. The method of claim 10, wherein the loan intermediation server system, And means for receiving the loan service evaluation information from the customer and notifying the loan officer of the received information. In the operating method of the Internet loan brokerage server system to broker through the Internet to provide the loan products desired by the customer from the loan officer of each financial institution, (a) constructing a loan product database for storing various information including loan product information; (b) receiving a search key for searching the loan product from the customer, searching the loan product information by the search key, storing the search result, and transmitting the search result to the customer; (c) receiving and storing a loan product application form from the customer in response to the search result, and transmitting the stored loan product application form to the loan officer; And (d) receiving and storing the approval result of the loan officer in response to the loan product application, and notifying the customer of the approval result; and operating the Internet loan brokerage server system. . The method of claim 14, wherein step (a) is A method of operating an internet loan brokerage server system, characterized in that the loan product information is classified into a database according to a loan purpose and a loan type. The method of claim 14, wherein step (a) is Operating method of the Internet loan brokerage server system, characterized in that for changing the applied interest rate for the loan product by a predetermined date unit. The method of claim 14, wherein step (b) comprises: Receiving evaluation information from an external credit rating agency or an external collateral evaluation agency and storing in the loan product database, and searching the loan product information with reference to the evaluation information, Internet loan brokerage How server systems work. The method of claim 14, wherein step (d) The method of operating the Internet loan brokerage server system, characterized in that notified whether the approval for the loan product application using the customer's web browser and the customer's email. The method of claim 14, wherein the loan intermediation server system is operated. (e) operating the Internet loan brokerage server system, characterized in that it further comprises the step of paying the fee from the customer who received the loan in the financial institution. The method of claim 14, wherein step (e) (e1) receiving evaluation information on the royalty payment and the loan service of the loan officer from the customer who received the loan; (e2) operating the Internet loan brokerage server system, comprising the step of delivering the loan service evaluation information received from the customer to the loan officer. In the operating method of the Internet loan brokerage system to broker through the Internet to provide the loan products desired by the customer from the loan officer of each financial institution, (a) constructing an auction loan database for storing various information, including auction loan application information; (b) search the auction loan database according to the auction event search request information received from the loan officer, store the searched result, send the searched result to the loan officer, and respond to the loan result in response to the searched result. Receiving an auction bid application from a representative and storing it as an auction loan product and transmitting it to the customer; (c) receiving and storing a loan product application form from the customer, and transmitting the received loan product application form to a loan officer; And (d) receiving and storing whether or not an authorization is granted from the loan officer, and notifying the customer of the approval result. The method of claim 21, wherein step (a), And providing the customer information including the credit information or the security information of the customer and the loan condition required by the customer and storing the customer information in the auction loan database. The method of claim 21, wherein step (b), And operating a loan condition required by the loan officer in the auction bid application. The method of claim 21, wherein step (d) The method of operating the Internet loan brokerage server system, characterized in that notified whether the approval for the loan product application using the customer's web browser and the customer's email. The method of claim 21, wherein the operating method of the internet loan brokerage server system, (e) operating the Internet loan brokerage server system, characterized in that it further comprises the step of paying the usage fee from the customer received the loan from the financial institution. The method of claim 21, wherein step (e) (e1) receiving evaluation information on the royalty payment and the loan service of the loan officer from the customer who received the loan; And (e2) operating the Internet loan brokerage server system, comprising the step of delivering the loan service evaluation information received from the customer to the loan officer. In the credit rating information providing server for self-evaluating the customer's credit information and providing the evaluated information over the Internet, A credit rating evaluator which evaluates a credit rating of a customer in response to credit information of a customer held by a predetermined credit institution and customer basic information input from the customer; A credit lending management standard information database for storing credit lending management standard information for each financial institution received from each financial institution; And And a customer credit rating adjustment unit for each financial institution that adjusts the credit rating of the evaluated customer for each financial institution in response to the credit loan operation standard information for each financial institution. The method of claim 27, wherein the credit rating unit, Calculating a credit score for the customer in response to the basic customer information and the customer credit information, The basic customer information represents a variety of information including the job, age and income information of the customer, The customer credit information is a credit rating information providing server, characterized in that it represents a variety of information including the bad transaction information and credit card usage history of the customer. In the credit rating information providing method for self-evaluating the customer's credit information, and providing the evaluated result over the Internet, (a) evaluating a customer's credit rating based on the customer's credit information held by a given credit institution and basic customer information entered from the customer; (b) receiving a credit loan operation standard information which is a standard for classifying the customer's ratings from each financial institution and constructing a database; And (c) adjusting the credit rating of the customer in response to the credit institution operating criteria information for each financial institution. The method of claim 29, wherein step (b) is, Credit credit management information providing method characterized in that to consolidate the credit information management standard information of each financial institution into a plurality of groups to store the credit loan operation standard information for each group.