KR200280745Y1 - Application apparatus for a loan through a screen - Google Patents

Abstract

The present invention relates to a device that processes loans in a batch through a network when a loan is applied through an image at a remote location. The loan application is built in a box-shaped main body, connected to a remote main server and connected to a network. And a monitor mounted on the central unit of the main body and connected to the terminal server to display a screen; and a web camera for photographing a user's face and transmitting the captured screen to the terminal server. A resident registration recognizer for recognizing a fingerprint of a resident registration card; and a fingerprint reader for recognizing a user's biometric fingerprint; and an information input unit for inputting data to the terminal server by a user; And a frit machine for outputting the printed matter. The information input unit includes a keyboard, a mouse, and a microphone. With such a design, it is installed in banks, stores, and public places, and the customer consults with a remote loan officer through video, checks the user's biometric fingerprint against the fingerprint of the resident registration card, and checks the credit in real time. By comparing the loan conditions of multiple financial institutions according to the degree of credit, loans are made quickly in the most favorable condition for the customers.

Description

Application apparatus for a loan through a screen}

The present invention relates to a device that processes loans in a batch through a network when a loan is applied through a video at a remote location. More specifically, the present invention is installed in a bank, a store, or a public place to allow a customer to use a loan with a remote loan manager. Loan counseling, checks the identity of the customer's biometrics and fingerprints of the identification card and checks the credit in real time to the loan application is to be quickly made according to the degree of credit.

In general, there is a method of obtaining a loan through a financial institution to visit a financial institution directly to apply for a loan or to apply for a loan using the Internet.

In order to directly visit a financial institution, bring the necessary documents for the loan and apply for a loan by visiting the bank's lending office. In this way, the bank, which received the loan application, reviews the loan-related documents received and examines the loan eligibility.

In addition, the method of applying for a loan using the Internet is to apply for a loan on the banking service of the bank, and the documents required for the loan are visited and submitted to the bank, and the loan is made after reviewing the received documents.

However, the above-mentioned method of filling out and submitting required documents by visiting the financial institution, the above-mentioned customer not only makes the visit to the financial institution directly, but also the psychological burden in the process of submitting and reviewing the documents, and also considerably after the loan application. The loan is made only after a period of time, which is a great difficulty for customers in urgent need of funds.

In addition, the method of applying for a loan using the Internet has a double difficulty since it is necessary to first apply for a loan through the Internet and submit the required documents in person.

In the loan method according to the prior art, the loan is made after the required documents are submitted to the loan officer and the screening is performed. Therefore, it is difficult for the financial institution and the remote client to apply for the loan, and the loan is not made after a certain period of time after the examination. There is a problem.

Recently, customers who need money urgently are using cash services that can easily get loans in real time using credit cards, but the loans of cash services provided by credit card companies are small, and the loan period is short-term and high interest rates. There is a problem that must be burdened.

Therefore, the present invention is invented to solve the problems described above, the purpose of the present invention is installed in a bank, a store and a public place, etc., the customer consults with the remote loan officer through the image, the customer's bio fingerprint Check the identity by comparing the fingerprint of the resident registration card with the fingerprint and check the credit in real time and compare the loan conditions of a plurality of financial institutions according to the degree of credit to provide a loan application application so that the loan is made quickly in the most favorable condition for the customer It is.

1 is a perspective view of an image loan request machine according to an embodiment of the present invention.

Figure 2 is a block diagram of the image loan request machine according to FIG.

10: credit loan application machine, 30: credit information server,

40: credit card company server, 50: main server,

70: financial institution server, 90: network,

1110: terminal server, 1120: monitor,

1130: web camera, 1135: camera,

1140: resident registration card reader, 1150: fingerprint reader,

When the above object is achieved by the present invention, according to an aspect of the present invention, such an image loan application device is built in the box-shaped main body is connected to the main server of the remote network and processes data; and the main body of A monitor mounted on a central unit, connected to the terminal server and displaying a screen; and a web camera for photographing a user's face and transmitting the captured screen to the terminal server; and a resident registration recognizer for recognizing a fingerprint of a user's resident registration card; A fingerprint reader for recognizing a user's bio fingerprint; and an information input unit for inputting data to the terminal server by a user; And a frit machine for outputting the printed matter, wherein the information input unit comprises a keyboard, a mouse, and a microphone.

The terminal server compares the fingerprint of the user recognized by the fingerprint reader with the fingerprint recognized by the order registration authenticator to determine whether the fingerprint is the same, and scans a document on one side of the main body and transmits the document to the terminal server. The scanner and the camera is further attached to the upper portion of the main body.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, and the same reference numerals will be used for the same parts throughout the drawings.

1 is a perspective view of an image loan requester according to an embodiment of the present invention, Figure 2 is a block diagram of the image loan requester according to FIG.

As shown in the drawing, the image loan application device according to the present invention shown by reference numeral 10 forms a body in a shape such as a computer desk, a terminal server embedded in the lower inside of the body, a monitor, a web camera, a resident registration card reader, Fingerprint reader or the like.

The terminal server 1110 is an information processing device such as a personal computer, a workstation, and a mainframe computer having a communication line interface device capable of transmitting and receiving data by being connected to a main server 50 remotely through a network 90. . In addition, as a means for controlling a physical connection between the main server 50 and the Internet, in the present embodiment, a server supporting TCP / IP, which is a protocol for converting a data format used on the Internet into a required format, may be a Pentup 4 or higher. Performance will allow you to run the programs you need.

A web camera 1130 is mounted on the center of the main body 1000 so that the image can be interviewed. The web camera 1130 transmits a screen shot of the customer to the main server 50 through the terminal server 1110 in real time to enable a video interview with a loan officer at a remote location. Can be played back. In addition, the speaker 1167 and the microphone 1165 are mounted to allow a video interview with the person in charge.

A monitor 1120 displaying a screen received from the main server 50 and a screen guiding the loaning step to the customer is mounted at a central position of the main body 1000.

A resident registration entrance is installed at one side of the main body 1000, and when a customer inputs a resident registration card to the resident registration entrance, the resident registration card recognizer 1140 recognizes a fingerprint of the entered resident registration card and transmits it to the server. do.

The fingerprint reader 1150 is a recently developed technology and uses a semiconductor fingerprint input device that is compact in size and simple in structure. The semiconductor fingerprint input device obtains a fingerprint image when a customer's hand contacts the surface of the sensor array. The fingerprint image thus obtained is transmitted to the terminal server 1110 and contrasted with the fingerprint of the resident registration card of the customer.

In addition, a keyboard 1161 and a mouse 1163, which are generally used as input devices for inputting information to the terminal server 1110 by a customer, are mounted, and the main body can be scanned and transmitted by the customer's loan application and contract. The scanner 1170 is attached to the 1000. In addition, a printer 1180 for outputting a contract or the like required for loan is mounted on the main body 1000.

When described with reference to Figures 2 to 7 attached to the operation of the image loan application device according to an embodiment of the present invention configured as described above are as follows.

A customer who wants to apply for a loan enters his / her name and resident registration number using the keyboard 1161 into the image loan application machine 10 installed at each financial institution or public place. (See FIG. 4). As shown in the example screen shown in the figure, the customer's credit information is provided to users of affiliated financial institutions and credit information concentrating institutions, and used as a data for judging one's credit, or whether the public institution agrees to use it as policy data. To obtain the customer's consent, and retrieve the customer's credit information from the credit information company server 30 using the network 90. If the customer's credit is good as a result of the credit inquiry, a basic information input screen such as the example screen of FIG. 6 is displayed on the monitor 1120, and the customer inputs necessary information using the keyboard 1161 and the mouse 1163. In addition, a credit card inquiry request screen is displayed on the monitor 1120 to inquire a credit card held by the customer, and the customer inputs a card company, a card number, etc. of the credit card held by the customer. The data entered as described above is accessed in real time using the network 90 to the credit card company server 40, and if the customer's credit is found to be good as a result of the inquiry, the loan application is output through the printer 1180. The customer signs the printed loan application. The loan application signed as described above is scanned through the scanner 1170, and the scanned data is transmitted to the main server 50.

Then, when the customer puts the resident registration card of the customer for identity verification, the resident registration card recognizer 1140 recognizes the fingerprint of the resident registration card, and also directly touches the finger to the fingerprint reader 1150 to recognize the biometric fingerprint of the customer, and The same scene is photographed and stored by the camera 1135. The fingerprint reader 1150 recognizes the biometric fingerprint of the customer, and the terminal server 1110 checks the identity of the biometric fingerprint against the fingerprint of the resident registration card. Counseling is done through and video.

Screen consultation is made through the voice and the screen between the customer and the loan officer using the web camera 1130, the speaker 1167, the microphone 1165, and the like by connecting to a plurality of financial institution company server 70 The loan is made by selecting a financial institution that offers the most favorable loan conditions for the bank. In this way, when the credit is determined that the loan is made to the customer, after confirming that the loan conditions are agreed, an agreement in which the loan conditions are written is printed through the printer 1180. In the printed agreement, the customer writes and signs by hand and records the agreement as other than that. The scene is recorded by the camera 1135 mounted on the main body 1000, and the recorded screen is recorded on the main server 50. Sent and stored. The agreement directly written by the customer is displayed on the agreement scan request screen, such as the example screen shown in Figure 7, the customer scans the agreement according to the guide screen, the scanned data is sent to the main server 50 and stored The loan will be deposited to the bank account specified by the customer.

According to the above configuration and operation of the present invention, through the video loan application machine installed in banks, stores, and public places in close proximity to the customer, the loan counseling can be done through a video interview with a loan officer at a remote location. The credit information is searched through the network, the biometric fingerprint and the fingerprint of the resident registration card are quickly checked for identity, and the loan conditions of a plurality of financial institutions are compared to the most favorable conditions for the customer. In other words, convenience is increased by quick loan at a time by the image loan application device installed at the closest distance, and the fingerprint recognition scene and the written description of the agreement are recorded and stored so that the customer can prevent the denial of the agreement later. The effect is also generated.

It is apparent to those skilled in the art that the present invention is not limited to the described embodiments, and that various modifications and changes can be made without departing from the spirit and scope of the present invention. Therefore, such modifications or variations will have to belong to the claims of the present invention.

Claims (5)

A terminal server 1110 embedded in a box-shaped main body 1000 and connected to a main server at a remote location and processing data; and mounted on a central unit of the main body 1000, and the terminal server 1110 A monitor 1120 connected to display a screen; and a web camera 1130 for photographing a user's face and transmitting the photographed screen to the terminal server 1110; and a resident registration recognizer 1140 for recognizing a fingerprint of a user's resident registration card. A fingerprint reader 1150 for recognizing a user's biological fingerprint; and an information input unit for inputting data to the terminal server 1110 by the user; And a frit machine 1180 for outputting the printed matter. The loan application is characterized in that the user is identified and the loan is processed in real time according to the credit inquiry result. The image loan request device according to claim 1, wherein the information input unit comprises a keyboard (1161), a mouse (1163), and a microphone (1165). The method of claim 1, wherein the terminal server 1110 determines whether the fingerprint of the same person is matched by comparing the fingerprint of the user recognized by the fingerprint reader 1150 with the fingerprint recognized by the order registration authenticator 1140. Image loan application machine. The image loan request machine according to claim 1, further comprising a scanner (1170) which scans a document on one side of the main body (1000) and transmits the document to the terminal server (1110). The image loan request machine according to claim 1, wherein a camera (1135) is additionally attached to the upper portion of the main body (1000).