KR20020017577A - System for counselling and applying for a loan using internet - Google Patents

Abstract

PURPOSE: A system for consulting and applying for a loan is provided to reduce the time and cost for a customer and to let the customer conveniently and easily borrow money by uploading loan items on the Internet and making the consumers consult about the loan items and apply for the loan on the Internet. CONSTITUTION: A user enters an Internet homepage of a financial organization via a client terminal(1), selects a loan item and inputs data according to a data input sequence displayed on the Internet homepage. The data is transmitted to one of databases(3) installed in the financial organization via a web server(2) connecting the client terminal with the databases. The server searches the information as an amount of loans and interest. An agreement is applied about the loan item. And the loan item applied by the client is transmitted to a desired branch office based on the result of consultation. Accordingly, the client is capable of lending the money from the branch office.

Description

Loan Counseling / Application System Using Internet {SYSTEM FOR COUNSELLING AND APPLYING FOR A LOAN USING INTERNET}

The present invention relates to a loan counseling / application system using the Internet. More specifically, loan counseling / application using the Internet to present a loan financial product of a financial institution on the Internet and allow the customer to easily borrow by consulting and applying for it. It's about the system.

In general, in order for a customer to obtain a loan from a financial institution (bank, securities company, village safe box, insurance company, etc.), the customer visits the financial institution directly and consults with a teller of the financial institution, that is, the type of loan financial product and After consulting the interest rate and the repayment method of the product, the loan financial product is selected based on the contents of the consultation.

In this case, the customer provides housing information and personal information to the financial institution for the loan financial product, and the financial institution presents conditions such as the amount of loan and the interest rate on the basis of the financial institution, and if the customer agrees, When the institution presents the agreement, the customer confirms the agreement, and then seals or signs the agreement, the financial institution initiates a procedure for paying the loan amount corresponding to the loan financial product to the customer.

If the loan financial product desired by the customer does not match according to the information provided by the customer, the financial institution presents the loan financial product under different conditions, and the customer who has presented the other loan financial product consults again. When the customer wants a different loan financial product, the financial institution presents the terms and agreement corresponding to the other loan financial product, and the loan amount is paid to the customer as the seal stamp and the sign are written on the presented agreement.

Here, in order for a customer to obtain a loan from a financial institution, the customer first provides the customer's housing and personal information to the financial institution, and the financial institution presents the loan financial product to the customer based on the information provided, and the customer consults on the loan financial product. Then, if the customer wants, the agreement between the financial institution and the customer, i.e., the agreement is prepared and the financial institution pays the loan to the customer based on the agreement.

However, in order for a financial institution to pay a loan corresponding to a loan financial product to a customer, the customer visits the financial institution directly and consults on the loan, that is, which loan financial product is suitable for the customer, Because the customer has to find the loan that is loaned from the financial institution on the basis, it takes a lot of time for the customer to consult the congested window and to have the documents required for the loan. There were many problems such as failure to faithfully perform.

In addition, financial institutions must hire a large number of counseling staff for customers who consult to obtain loans, resulting in higher labor costs, and various loan financing products to be explained to customers based on manual or work proficiency. There was also a problem that the work efficiency of employees deteriorated.

In addition, there is a problem in that customer satisfaction with the loan financial products presented by the financial institution is lowered because there is no time for the customer to carefully examine the various loan financial products due to congestion of the consultation counter.

The present invention has been made to solve the above problems, the financial institution uploads a number of loan financial products on the Internet, the customer consults and compares the loan financial products with the loan financial products on the Internet By applying through the award, the customer is presented with the same loan financing as the counter consultation and compares and selects the loan financing products presented above in detail without having to come to the financial institution's window, thereby saving the customer's time and cost. In addition, it is convenient and easy to obtain loans, and financial institutions can reduce the number of counseling staff by shortening the window of consultation, as well as flexibly and flexibly change the terms of the products presented with various products. As a result, we provide a large amount of goods with a minimum margin to It is an object to the Customer's satisfaction so improved.

In order to achieve the above object, the present invention provides a consultation with a client about a plurality of loan financial products provided by a financial institution through the Internet, and compares the contents of the consultations with each other. There is provided a loan counseling / application system using the Internet, which selects a loan financial product suitable for oneself and applies for the selected loan financial product to receive a loan through the Internet.

1 is a block diagram showing the configuration of the loan consultation / application system using the present invention the Internet.

Figure 2 is a block diagram showing a loan counseling / application system using the present invention the Internet.

Figure 3 is a flow chart illustrating a loan consultation / application system using the present invention the Internet.

* Description of the symbols for the main parts of the drawings *

1: Client terminal 2: Web (WEB) server

3: Database 31: Calculation of collateral evaluation / guarantee amount DB

32: Interest rate / calculation DB 33: Commitment DB

34: Consultation DB

Hereinafter, an embodiment of the present invention will be described in detail with reference to FIGS. 1 and 2.

1 is a block diagram showing the configuration of the loan consultation / application system using the Internet of the present invention, Figure 2 is a block diagram showing a loan consultation / application system using the Internet of the present invention, Figure 3 is a loan consultation using the Internet of the present invention / Flowchart showing the application system.

According to the present invention, a client consults on a plurality of loan financial products provided by a financial institution through the Internet and compares the contents of the consultation to select a loan financial product most suitable for the client. And a loan counseling / application system using the internet to apply for the selected loan financial product through the Internet.

The client collectively refers to customers, brokerage agencies, real estate portals, loan salesmen and the like.

As shown in FIG. 1, a program for using the Internet is installed and a client inputs various data such as housing information and personal general information of the client with respect to a loan financial product to be loaned from a financial institution. A client terminal (PC) 1 for receiving information on loaned financial products provided by a financial institution based on various types of data, and various data connected to the client terminal 1 and sent through the client terminal 1 And a web server (2) for transmitting information to the financial institution and receiving the information sent from the financial institution by the various data and transmitting the information to the client terminal 1, and installed in the financial institution. The client receives the information to be connected with the web server 2 according to various data sent from the web server 2. Receive a plurality of various kinds of information that is to be viewed is stored database (Data Base) consists of (3).

Each database (DB) 3 stores information such as public land price, apartment transaction price, apartment charter price, small deposit by region, meridian rate by region / housing type, credit guarantee issuance calculation program, and the like. Mortgage evaluation / guarantee amount calculation database (DB) 31 for calculating the amount of money is provided, and the type and mortgage rank of the house, the price of the house, the conditions of the customer (types of funds, indicators of repayment ability (PIR, LIR, RIR) ), BIS, banking, household characteristics, purpose of loan), loan conditions (payment method, early repayment fee), type of interest rate (fixed, variable, periodic fluctuations), monthly payment calculation (calculations by loan period and repayment method) Interest rate / calculation database (DB) 32 for storing interest information and calculating interest rates based on the stored information is provided. There is a counseling database (DB) 34 for providing counseling information to the client based on the stored information and storing information to be processed. It is provided with an agreement database (DB) 33 for creating an agreement based on the stored information.

The data of the information stored in the collateral evaluation / guarantee amount calculation DB 31 and the information stored in the interest rate / calculation DB 32 are regularly updated by the product manager.

The loan counseling / application system using the Internet may include entering an Internet homepage of a desired financial institution through a client terminal (PC) 1, as shown in FIG. After the step, select a loan fund of any one of a plurality of loan funds, namely, a loan fund such as a home loan, a home mortgage loan, a real estate loan, a credit loan, and a household loan, and obtain information on the selected loan fund. Inputting data such as general information about the client's home / customer and loan amount / condition in accordance with the data input order displayed on the homepage; After the above step, the data inputted by the client through the web server 2 connecting the client terminal 1 and the plurality of databases 3 installed in the financial institution to the respective database DBs. (3) transferring to any one of the databases (DB) 3; After the step, the client finds information such as loan amount and loan rate of the loan financial product and the loan financial product that match the data in any one of the databases (DB) 3 that received the data, and provides the client with the loan financial product. Providing information about the; Creating a contract for the loan financial product while providing the client information with the client applying for the loan amount of the loan financial product according to the information provided after the step; Transmitting the loaned financial instrument requested by the client to a desired point based on a result of consulting with the client in any one of the databases 3 after the step; After the step consists of lending the loan amount to the client at the selected one of the branches to the loan financial products applied for.

Here, the client selects any one of the plurality of loan funds that the client wants to borrow on the Internet homepage in order to select a loan fund of the financial institution and to confirm the loan amount; DB of the client according to any one loan fund selected after the step, that is, data such as housing / customer general information and loan amount / condition, and calculating the collateral evaluation / guarantee amount based on the inputted client data Calculating the amount of loans available to the client by evaluating the security of the client or the collateral provided by the client, that is, the identification of the subject of the loan and the collateral, according to the information stored in the 31; The client is provided with a loanable amount on the client terminal 1 so that the client can see the loanable amount presented after the step, and the client inquires the loanable amount.

After the client inquires the loanable amount, if the amount of the loan desired by the client is insufficient, calculating the additional loanable amount according to data provided by the client again, that is, real estate, etc., to receive the loan amount desired by the client. It is provided.

The calculating of the loanable amount may include: inputting an amount of money if the client has already used the housing finance credit guarantee or inputting the amount as “0” if the client has not used the housing finance credit guarantee; After the above step, calculate the issuance amount of the housing finance credit guarantee based on the contents of the housing evaluation stored in the mortgage evaluation / guarantee calculation database 31 and calculate the additional loanable amount to inform the client of the additional loan amount and credit guarantee fee. Consists of steps.

On the basis of the housing evaluation contents of the mortgage evaluation / guaranteed amount calculation DB 31, the product manager can update the data from time to time when it is necessary to modify the calculation of the housing amount financial credit guarantee certificate.

In order to determine the loan interest rate of the loan funds, the amount and age of the loan, the purpose of the loan (entry, lease, re-lending, etc.), the characteristics of the household (general, single-family household, etc.), the type of transaction deposits, annual income (earning income) Inputting personal information of the client such as annual income converted from annual pension of national pension; Based on the personal information entered after the above step and the housing information of the client already entered, the interest rate according to the house stored in the interest rate / calculation DB 32, that is, interest rate difference (LTV (Loan to Value), BIS, housing type) , Mortgages, etc.) and interest rates according to the customer, ie interest rate differentials (PIR (Price / Income Ratio), Loan / Income Ratio (LIR), Repayment / Income Ratio (RIR), purpose, transaction status, etc.) Presenting the type of interest rate determined (fixed, fluctuating, periodic fluctuation, etc.); After the step, the client further confirms the type of interest rate presented on the client terminal 1.

Inputting, by the client, type data of interest rate to select the type of interest rate; The difference according to the type of interest rate and the contents of the customer and the house in the interest rate / calculation DB 32 based on the data input after the step and the reference rate stored in the interest rate / calculation DB 32. Calculating an interest rate and an expected interest rate according to the selectable loan period; It is further provided with the step of presenting the differential interest rate according to the type of interest rate and the contents of the customer and the house after the step as the expected application rate to the client and confirming this by the client.

On the basis of the input data, a plurality of loan financial products and their loans according to the expected interest rate and transaction conditions applied to each client are applied to the client by applying a differential interest rate (the product manager revises / complements from time to time) in the interest rate / calculation DB 32 Presenting an applicable interest rate condition; After the step of storing the consultation content of each loan financial products presented, the client selects any one of the loan financial products of the loan financial products in accordance with the stored consultation content to determine the loan financial products, the determined loan finance Writing and writing the agreement in the agreement DB 33 according to the terms and conditions of the trade guide for the goods and the client checking and outputting the agreement on the client terminal 1; The data provided by the financial institution according to the type and expected interest rate, loan period, monthly payment by loan repayment method, loan balance at maturity, monthly payment by loan repayment method and loan balance at maturity and fee Method (Principle Equity, Equity Principal, Customer Designation, Date and Time) or Fee (Early Repayment Commission, etc.) The method further includes the step of presenting a plurality of products by the client to select them and input the data.

The client inputs the data of the loan period by the desired monthly payment, the repayment method, and the recalculation by adjusting the loan amount in order to modify the loan condition, and uses the input data to calculate the differential interest rate stored in the interest rate / calculation DB 32. It is further equipped with a step of modifying the loan conditions according to the application rate and transaction conditions applied by customers.

In order to make a reservation application for the selected and confirmed loan financial product, the client may request data such as customer information (name, social security number, e-mail, etc.), reservation date and store name, desired loan date, document issuance service / submission application service, etc. Inputting; According to the data input after the step, the consultation DB 34 electronically requests to proceed with the loan process of the selected loan financial product and transmits reservation information of the loan financial product to a selected point, that is, a desired point. step; Accepting and proceeding with a reservation for a loan financial product of a client at a desired point, that is, a selected point of each point according to the reservation information transmitted after the step; After the step is further provided a step of lending a loan amount corresponding to the loan financial products applied to the client at any one point, that is, the selected desired point.

In the financial institution, the client applies and acts on the relevant web site for documents that are not acted by the financial institution among the customer information input according to the contract contents of the loan financial product selected by the client to borrow the loan amount. More steps are provided.

The operation of the present invention configured as described above is as follows.

First, a financial institution places a plurality of loan funds related to a loan, such as a housing loan, a mortgage loan, a mortgage loan, a credit loan, and a household loan, on a home page on the Internet. The client selects the loan fund of the client, consults the selected loan fund on the Internet, compares the contents of the loan fund consulted by the client, selects the loan fund most suitable for the client, and applies for the loan fund. The client will receive a loan.

That is, the client accesses the home page of the financial institution that appears by accessing the Internet through the client terminal 1 and selecting one of the financial institutions on the Internet. Since there are several loan-related loan funds provided by, choose one of them.

In accordance with the data input order displayed on the Internet home page for the selected loan fund, the client may select the housing / customer information (the amount of sale (sale), the location of the house, the type of house (single, the apartment ...), the site of the house, the building Area, land of a house, floor of a building, structure of a house, new construction year, number of rooms, mortgage-setting contents, lease contents) and loan amount / condition (housing money, mortgage loan, real estate mortgage loan, credit loan, total household loan) The same data is inputted, and the inputted data is each database 3 of the financial institution through a web server 2 connecting the client terminal 1 and a plurality of databases 3 installed in the financial institution. Is transmitted to any one of the databases 3, namely, the security evaluation / guarantee amount calculation DB 31.

Then, the collateral evaluation / guaranteed amount calculation DB 31 stores the data stored in the collateral evaluation / guaranteed amount calculation DB 31 based on the transmitted data, that is, the disclosure price, the apartment transaction price / charter price, and regional / housing type merits. After calculating the loanable amount in comparison with the rate and the like, the information is sent to the client terminal 1 through the web server 2, so that the client provides information provided by the financial institution through the client terminal 1, that is, the loan. The possible amount is inquired and confirmed.

At this time, if the amount of the loan available is less than the client's desired amount, the client submits and inputs the data of the housing information, that is, the housing finance credit guarantee. If the housing finance credit guarantee is already used, If the amount is entered and the housing credit credit guarantee is not used, enter the amount as "0". If the mortgage evaluation / guarantee amount calculation DB 31 calculates the amount of the issuance of the housing financial credit guarantee based on the contents of the housing evaluation Calculate the additional loan amount.

Information for guiding the credit guarantee fee together with the calculated additional loanable amount is provided to the client through the web server 2 and the client terminal 1.

In this way, the client that checks the loanable amount for the loan financial products, the client's data through the client terminal 1 to find out the loan interest rate, that is, the loan desired amount, age, the purpose of the loan (occupation, lease, re-loan .. .), The characteristics of the household (general, detached house, apartment ...), the type of transaction deposit, annual income (earned salary, national pension ...), etc. (2) is sent to the interest rate / calculation DB 32 of the financial institution.

In the interest rate / calculation DB 32, information stored in the interest rate / calculation DB 32 on the basis of the input data and the already-informed housing information, that is, the interest rate according to the interest rate difference according to the housing and the interest rate difference according to the customer, etc. The type of (fixed, variable ...) is calculated, and the calculated type of interest rate is presented to the client.

Here, the client selects and inputs a desired interest rate type among the presented interest rate types, and the interest rate / calculation DB 32 selects an interest rate type, a selectable loan period, and a repayment method (principal equality, principal) based on the stored interest rate. Calculate differential interest rates, interest rates / monthly payments, and loan balances and fees at maturity according to the differential interest rate and fee selection by equality, customer designation, date and time, etc. The conditions of interest rates applicable to the products and the respective loan financial instruments are set forth.

Accordingly, the client selects one of the loan financial products from each of the presented loan financial products and confirms the loan financial products, and then the client establishes a contract DB (33) according to the terms and conditions and terms and conditions for the determined loan financial products. After writing the agreement presented in), it is output (printed) to be stored and checked on the client terminal 1.

At this time, if the client wants to modify the loan terms before confirming the loan financial product and writing the agreement, the client inputs data such as loan period based on the desired monthly payment, repayment method, and recalculation by adjusting the loan amount. / Calculation DB (32) is to apply a differential interest rate to modify the new loan conditions according to the applied deposit interest rate and transaction conditions, and apply to a plurality of loan financial products and each of the loan financial products according to the modified loan conditions The client presents the conditions of interest rates, so the client prepares them and establishes an agreement.

As described above, after confirming the loan financial product and preparing the agreement, the client must apply for a reservation of the loan financial product.

That is, when the client enters data such as customer identification information (name, social security number, e-mail, etc.), reservation date and store name, desired loan date, document issuance service / submission application, etc., the data is stored in a web server ( 2) is sent to the consultation DB 34, and according to the transmitted data, the consultation DB 34 electronically requests to proceed with the loan process of the selected loan financial product and at the same time the reservation information of the loan financial product to the desired point. Will be sent.

Then, the loan counseling staff selected from the client, i.e., the branch office of the desired point, proceeds with the reception of the reservation and the business trip according to the transferred reservation information, and acts as a document for receiving the loan, as well as the progress of the loan. The above process is transmitted so that the client terminal 1 can confirm.

Here, documents that are not provided by the financial institution among the customer information entered according to the terms of the loan financial products selected by the client are prepared by the client himself or by a loan counselor or applied through the relevant web site. I can do it for you.

As such, when all the necessary matters for the loan are completed and the required documents are ready, the client may go to the selected point and receive the loan amount corresponding to the loan financial product.

As described above, in the present invention, the client and the financial institution directly receive a loan by consulting and applying for a loan financial product through the Internet, so that the client presents the same product as the actual consultation without directly appearing at the loan window of the financial institution. It is effective to receive a loan financial products that are favorable to the client.

In addition, as the client compares, reviews, and selects a plurality of loan financial products in real time in detail, it is possible to conveniently and easily obtain a loan amount for the loan financial product most suitable for the client. Institutions provide various services, such as business trips and loan reservations, document agency services, in order to lend the loan amount for the loan financial products, thereby reducing the time and cost of the client.

In addition, the financial institution can shorten the consultation time with the client at the window of the financial institution to lend and reduce the manpower of the loan counseling staff, as well as reserve the remaining human resources due to the above effects. As it is used for other work such as marketing, it improves customer satisfaction through the presentation of various loan financial products, thereby increasing sales and reducing the work of the employees, thus improving the work efficiency of employees and improving customer satisfaction and reliability. have.

In addition, since the terms and conditions of the loan financial products are flexibly and flexibly changed, the client can select a favorable loan financial product among various loan financial products and conveniently and easily by offering differentiated prices and individual preferential prices to all the clients. In addition to loans, financial institutions can secure potential customers and promote cross-selling, while also providing large amounts of loan financial products to clients with minimal margins.

On the other hand, financial institutions may generate additional income due to fees such as business travel reception and document agency services.

Claims (12)

The client consults on the various loan financial products provided by the financial institution through the Internet, compares the contents of the consultation and selects the loan financial product most suitable for the client among the loan financial products. Loan counseling / application system using the Internet, characterized in that to apply for the selected loan financial products through the loan. The method of claim 1, Entering an Internet home page of a desired financial institution through the client terminal; Selecting one of the plurality of loan funds appearing on the Internet home page after the step, and inputting data of the client to obtain information on the selected loan funds; After the step, the client's data is transferred to any one of the databases DB through a web server connecting a plurality of databases installed in the client terminal and the financial institution. Transmitting; After the step of finding data of the loan financial products that match the data in any one database (DB) received the data and providing information on the loan financial products to the client; Creating a contract for the loan financial product by the client applying for the loan financial product according to the information provided after the step; After the step of transmitting the loan financial products requested by the client in any one of the database to the desired point; Loan counseling / application system using the Internet, characterized in that the step of lending the loan amount to the client at any one of the branches to the loan financial products applied for after the step. The method of claim 2, Selecting, by the client, any one of a plurality of loan funds to be loaned by the client on the Internet homepage in order to select a loan fund of the financial institution and to check the loanable amount; After the step of inputting the data of the client according to any one of the loan funds selected, based on the information of the input client of the collateral evaluation / guarantee amount calculation based on the information stored in the information stored in the client to evaluate the client Calculating a loan amount to a customer; Loan counseling using the Internet characterized in that it further comprises the step of transmitting the loanable amount on the client terminal so that the client can see the loanable amount presented after the step, the client checks the loanable amount. Application system. The method of claim 3, wherein And a step of calculating an additional loanable amount according to the data provided by the client if the loan amount is insufficient after the client checks the loanable amount. The method of claim 4, wherein The calculating of the loanable amount may include inputting an amount of money if the client has already used the housing credit guarantee certificate or inputting the amount as “0” if the client does not use the housing finance credit guarantee; After the above steps, the home loan credit guarantee certificate is calculated based on the home evaluation contents stored in the mortgage evaluation / guarantee calculation database and the additional loan amount is calculated to guide the client to the additional loan amount and credit guarantee fee. Loan counseling / application system using the Internet, characterized in that made. The method of claim 2 or 3, Inputting personal general information of the client to determine the loan rate of the loan funds; Presenting a type of interest rate determined according to interest rates according to the house and the customer stored in the interest rate / calculation DB based on the personal general information input after the step and the already entered housing information; Checking the type of interest rates presented after the step on the client terminal further comprises a loan consultation / application system using the Internet. The method of claim 6, Inputting, by the client, type data of interest rates to select a type of interest rate; Calculating a differential interest rate according to the type of interest rate and contents of a customer and a house in the interest rate / calculation DB based on the inputted data and the posted interest rate stored in the interest rate / calculation DB after the step; Loan counseling using the Internet, characterized in that the step of presenting the differential rate according to the type of interest rate and the contents of the customer and the house calculated after the step as a client-applied expected rate, and confirming this by the client. / Application system. The method of claim 2, Presenting a plurality of loan financial products according to the customer's expected interest rate and transaction conditions by applying a differential interest rate to the client based on the input data and calculating the interest rates thereof; After the step, the client selects a loan financial product among the loan financial products presented, prepares an agreement in the agreement database according to the terms and conditions of the guide for the selected loan financial product, and writes the agreement on the client terminal. Confirming and outputting; After the above steps, the financial institutions provide loans according to the loan period and loan repayment methods, loan balances at maturity, and fees according to the client's desired loan periods and loan balances at maturity and maturity and fees at maturity. Loan consultation / application system using the Internet, characterized in that it further comprises the step of presenting a plurality of products. The method of claim 8, In order to modify the loan condition, the client inputs the data of the loan period by the desired monthly payment, inquiry of the repayment method, and recalculation by adjusting the loan amount, and applies the differential interest rate stored in the interest rate / calculation DB based on the input data. Loan counseling / application system using the Internet, characterized in that further comprising the step of modifying the loan conditions according to the applied rate and transaction conditions for each application. The method of claim 2, Inputting, by the client, data such as customer information, reservation date and store name, desired loan date, document issuance agency service / subscription application, etc. to make a reservation for the selected loan financial product; In accordance with the data input after the step, the counseling DB sends an electronic application to proceed with the loan process of the selected loan financial product and transmits reservation information of the loan financial product to a selected point; Accepting and proceeding with a reservation for a loan financial product of a client at a desired point of each point according to the reservation information transmitted after the step; And lending a loan amount corresponding to the loan financial product applied to the client at the selected point after the step. The method of claim 10, Applying and acting on behalf of the client through the relevant website (WEB) website of documents that are not acted by the financial institution among the customer information entered in accordance with the contractual contents of the loan financial products selected by the client to borrow the loan amount at the financial institution Loan consultation / application system using the Internet, characterized in that it further comprises. The method of claim 2, The loan consultation / application system using the Internet, characterized in that it further comprises the step of periodically updating the information of the information stored in the mortgage evaluation / guarantee amount calculation DB and the information stored in the interest rate / calculation DB.