KR20020075354A - System and methode for loan through internet - Google Patents

Abstract

PURPOSE: A system for a voice loan request through the Internet and a method thereof are provided to enable a user to request a loan to a financial institution and receive an approval simply and rapidly by connecting the user to a lending clerk of the financial institution through the Internet and making the lending clerk evaluate a credit of the user through telephone call contents to the user and an acquaintance of the user in an urgent small amount of loan. CONSTITUTION: A client performs a log-in process using a computer and connects to a lending clerk of a computer system in a financial institution through the Internet(S1). If the client is connected to the lending clerk, the lending clerk inquires a credit of the client and a borrowing history of the client through a credit rate database being supplied from the financial institution based on the log-in information, and judges whether a loan is possible or not(S2-S4). If a loan is available, a capture screen is loaded on a client computer screen for making the client prepare one's personal information, select a loaning amount of money, and select a bank for a loan(S5). The client transmits documents, a photograph, and a scan image including personal information of acquaintances of the client necessary for a loaning to the lending clerk through an on-line(S6). The lending clerk makes the client perform a telephone call to a selected acquaintance. The clerk taps the telephone call, and judges an acquaintanceship between the client and the acquaintance(S7). If the clerk approves a loan, a capture screen for informing the approval is loaded on the client computer(S8). The client signs a payment in accordance with the approved result, and signed data are transmitted to the clerk computer system(S9). The clerk progresses the final loading procedure(S10).

Description

Voice Loan Application System and Method through Internet {System and methode for loan through internet}

The present invention relates to a loan application system through the Internet, and is mainly connected to a lender of a financial institution through the Internet during an urgent small loan and allows the loan counselor to evaluate the lender's credit through the contents of the call between the lender and his acquaintances. The present invention relates to a voice loan application system and a method for allowing a financial institution to obtain a loan application and approval quickly.

In general, there are methods of obtaining a loan from a financial institution by applying directly to a financial institution and applying for a loan or by accessing a financial institution site through the Internet and applying for a loan.

In order to visit a financial institution directly, bring the necessary documents for the loan and face the application at the counter in charge and apply for a loan.The bank that applied for the loan examines the loan-related documents received and examines the eligibility and examines the loan. However, this not only makes the client feel psychological burden when facing the loan application, but also has a disadvantage that the loan is made after a considerable period of time after the loan application.

The application method using the internet was made by applying for a loan in the banking service of the relevant bank and submitting necessary documents after visiting the bank in person, but this is done by applying through the website and visiting the relevant bank. There was a inconvenience to submit.

Recently, small loans in the short-term use a lot of emergency loans of the second financial sector, such as credit card company's cash service or credit box, these loans have a problem of short-term loan period and high interest rates.

The image loan application device created to solve this problem is disclosed in Korea Patent Publication No. 2002-30061.

The image loan application device disclosed in the present invention transfers the actual work process to a computer using images and dialogues, and has the following inconveniences. Since one lender has to talk to several banks and consult with the last bank to get a loan approval, even if one of the banks that the client needs to consult is in full, if the timing is not right, there will be a whole delay. It may be delayed abnormally.

In addition, the fingerprint recognition provided in the disclosed image loan application is a process of recognizing and comparing the fingerprint after inserting the resident registration card, but in reality, due to the resolution problem of the fingerprint image and scanning data processing that is not obvious, actually 1/4 ~ 2 / 4 degree is not confirmed and at this time, the customer should go to the financial institution to check directly, so there is no great effect.

In particular, the conventional lending application machine does not have any part other than face-to-face and questions and answers on the screen, but the customer and the bank face each other. Difficult to identify

The present invention devised to secure the above-mentioned drawbacks of the present invention is to know the credit ratings and acquaintances of loan customers through acquaintances in the small loan process in the second financial sector, and then acquaintances at the time of disconnection of outstanding loan customers. It is to provide supplementary measures to find a way to find a loan customer through the Internet, and to provide a voice loan system and method through the Internet to implement such a process through the Internet.

1 is a system configuration diagram of the present invention,

2 is a wiring connection diagram for the loan counselor according to the present invention to intercept the call between the customer acquaintance,

3 is a flowchart implementing the method of the present invention.

Voice loan system through the Internet of the present invention for achieving the above object,

In a voice loan application system where a customer applies for a loan to a financial institution using a customer computer system including a headset and a video camera, and a computer system at the financial institution connected to the customer computer system through a network,

The customer's computer system should be equipped with a voice modem so that the customer can talk to the customer's acquaintance, but the financial institution's loan counselor who uses the computer system's financial system judges the acquaintance with the acquaintance and the customer's acquaintance. It is characterized in that it is provided with the interception means associated with the voice modem so that the customer and acquaintances can hear the contents of the call to evaluate the credit rating.

Here, the listening means is implemented by a voice modem microphone terminal and a speaker terminal, a customer computer microphone terminal and a sticker terminal, a microphone terminal of a customer headset, and a wiring connection structure of the speaker terminal.

Voice loan method through the Internet of the present invention for achieving the above object,

In the method up to the loan approval process, the customer consults with the loan counselor at the financial institution by using a customer computer system including a headset and a video camera and a computer system at the financial institution connected to the client computer system through a network. ,

Connecting a customer using a computer to log in with a loan counselor of the computer system of the financial institution through the Internet;

Determining whether the loan is possible by inquiring the customer's credit inquiry and expectation through a credit database provided from the financial institution;

The client prepares a new statement and selects a loan amount and selects a loan bank;

The client sending a scanned image of the basic documents necessary for the loan to the loan counselor, including documents in which the acquaintances of the customer are recorded;

Loan counselor checks the data transmitted from the customer to select among the acquaintances of the customer to make a call between the acquaintance of the customer and the customer in charge of the loan officer to determine the degree of acquaintance with the customer;

Determining the degree of acquaintance with the acquaintance and evaluating the credit rating based on the consultation result to determine whether the loan counselor approves the loan;

Using an electronic signing means, such as a digitizer tablet, to sign a payment and sending the signed data to the loan counselor computer system according to the approved result;

It is made, including.

1 is a system configuration diagram of the present invention, Figure 2 is a wiring diagram for the loan counselor according to the present invention to intercept the call between the customer acquaintance, Figure 3 is a flow chart for implementing the method of the present invention.

Referring to FIG. 1, the voice loan application system of the present invention includes a headset 42 in a customer side computer system 40 and a loan counselor talking to a customer side in a financial institution side computer system 10. Of course, a headset is provided.

An image camera (not shown) of an image loan requester as mentioned in the prior art is also provided in both computer systems 40 and 10.

By using the computer system 10 of the financial institution connected to the client computer system 40 and the network 20, the customer is configured to apply for a loan while talking to the financial institution loan counselor.

The loan counselor can be connected to multiple counselors at the same time, multi-counseling or single counseling, it may be a bank belonging or a separate consignment counselor.

On the other hand, the loan counselor can query the lending customer's expectations or credit ratings using the financial institution side database server 30. Although the database server 30 is shown as being connected through the Internet 20 in the drawing, it is common to connect through Ethernet of the financial institution itself, and the Internet 20 when the present invention is implemented through a separate contractor counselor. It is suitable to be connected through.

As a feature of the present invention, the customer side computer system 40 is further provided with a voice modem 46 so that the customer can make a telephone call with a customer's acquaintance. Reference numeral 50 denotes an acquaintance's telephone of the customer, and the customer wearing the headset 42 can talk to an acquaintance using the telephone 50. At this time, the financial institution side computer system 10 controls the voice modem 46 connected to the customer side computer to arbitrarily select one of several acquaintances to perform dialing. These programs will be downloaded and installed in real time on the customer's computer, but at the same time all of these processes must be provided with a barrier to prevent hacking.

As described above, the call between the customer and the customer acquaintance designated by the loan counselor is for the financial institution loan counselor who uses the computer system of the financial institution 10 to determine the degree of acquaintance with the acquaintance and the customer to evaluate the creditworthiness of the customer through the acquaintance. will be.

The customer acquaintance is to provide a basis for tracking the customer's whereabouts in case the contact with the customer is lost after the loan cannot be recovered from the customer in the future. Many examples are given at the time of application.

To this end, the financial institution loan counselor is provided with an interception means associated with the voice modem 46 so that the customer and an acquaintance can hear the contents of the call.

The interception means is constructed so that a customer acquaintance and a financial institution loan counselor cannot talk.

This is implemented by the wiring structure of the customer computer system 40, the voice modem 46, and the headset 42 as shown in FIG.

The microphone connector provided in the sound card of the customer computer 40 is connected in parallel to the microphone connector of the headset 42 and the microphone connector of the voice modem 46, and is connected to the voice modem 46 again. A variable resistor; VR is connected in parallel, the sticker connector provided on the sound card of the customer computer 40 is connected to the speaker connector of the headset 42 to configure the interception means. The variable volume controller (VR) serves to enable the loan customer to adjust the volume to an appropriate volume for listening to the volume amplified through the voice modem 46.

When the connection is configured in this way, a voice call is made between the loan customer who uses the headset 42 and the customer acquaintance who uses the phone 50 through the voice modem 46, but the loan counselor side of the financial institution Internet 20 You can only intercept by normal data transfer over your network, and the loan counselor cannot talk directly to your acquaintance. The possibility of such a call and interception is also the result of the applicant applying a plurality of computer systems and conducting a call test after wiring connection.

Unexplained reference numeral 44 is a digitizer tablet for electronic signing the loan customer in the method of the present invention to be described later.

As described above, a customer consults with a loan institute of a financial institution by using a customer-side computer system including a headset, a video camera, and a voice modem, and a computer-side computer system connected through a network. The method up to the loan approval process is implemented in the order as shown in FIG.

First, the customer logs in using a computer and connects to the loan counselor of the computer system of the financial institution through the Internet (S1).

When the customer is connected to the loan counselor as described above, the loan counselor checks the customer's credit inquiry and expectations through the credit database 30 provided from the financial institution by the customer's login information (for example, social security number information). Determine whether or not it is possible (S2 ~ S4).

If the customer is confirmed that the loan is possible, a screenshot is displayed on the computer screen of the customer so that the customer can create a new statement, select the loan amount, and select the loan bank (S5).

This series of routines will have to install a program for implementing the method of the present invention in both computer systems in advance, such a program can be written by a person of ordinary skill in the art even after confirming the method sequence of the present invention. .

The customer sends the scanned image online to the loan counselor, including basic documents required for the loan and photographs of the customer, including documents containing personal information such as the name, social security number, address, and telephone number of the acquaintances of the customer (S6). The basic documents required will be the documents required by the loan counselor at the financial institution, such as a copy of the resident registration of the customer and a seal certificate.

Subsequently, the loan counselor checks the data sent from the customer, selects among the acquaintances of the customer, and makes a call between the acquaintance of the customer and the customer in charge of the loan, and determines the degree of acquaintance between the customer and the acquaintance (S7). The loan counselor talks to this acquaintance

At this time, you can also record the call. This uses the tapping means described with reference to FIG. 2.

When the loan counselor who evaluates the loan based on the final total consultation result approves the loan, the screen of the loan approval is displayed on the customer's computer.

Subsequently, the customer signs a payment using an electronic signature means such as a digitizer tablet according to the approved result, and the data of the payment signed is transmitted to the loan counselor side computer system 10 (S9).

Accordingly, the loan counselor will be able to proceed with the final loan procedure, such as sending the loan amount directly to the customer's account.

Of course, the loan application information may be stored and reviewed for about one day without being remitted immediately, and this may be changed by the financial institution's loan transaction standard, and the voice between the customer and the customer acquaintance is a feature of the present invention. Since this is irrelevant to the customer evaluation of the loan counselor who is intercepted through the currency and the Internet, the detailed description is omitted.

As described above, the present invention enables a customer to receive a loan application and approval quickly and conveniently without any burden, and the bank can analyze the lender accurately through the lender's acquaintance, so that the time required for the loan process can be analyzed. There is an advantage that can reduce the waste of human resources, such as to reduce.

Claims (3)

In a voice loan application system where a customer applies for a loan to a financial institution using a customer computer system including a headset and a video camera, and a computer system at the financial institution connected to the customer computer system through a network, The customer's computer system should be equipped with a voice modem so that the customer can talk to the customer's acquaintance, but the financial institution's loan counselor who uses the computer system's financial system judges the acquaintance with the acquaintance and the customer's acquaintance. The voice loan application system through the Internet characterized in that it is provided with the interception means associated with the voice modem so that the customer and acquaintances to hear the call to evaluate the credit rating. The method of claim 1, wherein the listening means is implemented by a voice modem microphone terminal and a speaker terminal, a customer computer microphone terminal and a sticker terminal, a microphone terminal of a customer headset, and a wiring structure of a speaker terminal. Loan application system through the Internet. By using a customer computer system with a headset, video camera and voice modem, and a computer system of the financial institution connected through the network with the customer computer system, the customer consults with the loan counselor at the financial institution to apply for a loan until the loan approval process. In the method, Connecting a customer using a computer to log in with a loan counselor of the computer system of the financial institution through the Internet; Determining whether the loan is possible by inquiring the customer's credit inquiry and expectation through a credit database provided from the financial institution; The client prepares a new statement and selects a loan amount and selects a loan bank; The customer sending the basic document scanned image necessary for the loan to the loan counselor, including documents in which the acquaintances of the customer are recorded; Loan counselor checks the data transmitted from the customer to select among the acquaintances of the customer to make a call between the acquaintance of the customer and the customer in charge of the loan officer to determine the degree of acquaintance with the customer; Determining the degree of acquaintance with the acquaintance and evaluating the credit rating based on the consultation result to determine whether the loan counselor approves the loan; And using the electronic signing means such as a digitizer tablet to sign the payment and transmitting the signed data to the loan counselor computer system according to the approved result. Voice loan application method through the Internet, characterized in that comprises a.