KR20030069968A - The supply method of advance asking with internet - Google Patents

Abstract

PURPOSE: A method for supplying a loan inquiry service using the Internet is provided to store information of a loan wanted person temporarily, inquire a loan commodity using the information, supply a loan possibility according to conditions of the loan wanted person, and delete information of the loan wanted person after terminating the service for preventing a publication of personal information. CONSTITUTION: A loan wanted person and a partner of the person connect to a site supplied by a service supply server using computers(S10). The connected persons are classified into a loan wanted person group and a partner group(S20). A predetermined cost is paid for using a service(S30). Own name of the connected person is checked(S40). An authenticated person inputs personal financial credit related information of the loan wanted person(S50). The personal financial credit related information is transmitted to a financial service supply company or a credit information supply company, a corresponding loan commodity is inquired, and a loan possibility of the each loan commodity is checked(S60). The loan possibility of the each loan commodity and information necessary for a loan are received from the financial service supply company(S70). The received information is output on the computer screen of the connected person(S80). In the case that the connected person obtains wanted information and the service is terminated, personal financial credit related information is deleted from a temporary storage of the service supply server(S90).

Description

How to provide loan inquiry service using internet {THE SUPPLY METHOD OF ADVANCE ASKING WITH INTERNET}

The present invention provides a method for providing loan inquiry service using the Internet, and relates to a method of providing loan information of a financial sector through the Internet. In particular, a loan is requested using a respective loan product information database owned by a number of companies that provide financial services. The present invention relates to a method of providing a loan product corresponding to the condition of a person who does the same.

Conventional loan information providing method according to the prior art, as can be seen in the configuration for implementing the loan information providing method using a conventional Internet, the system can be connected to the Internet network, Internet network, service server and member information and loan products It consists of a database that stores information.

Therefore, the borrower wishing to borrow the loan accesses a website provided by the service server using a computer connected to the internet network, and performs a predetermined membership registration process, payment fee payment step and information input step through the website. After that, loan information corresponding to the information entered by the loan applicant is provided.

Therefore, the service provider providing the loan information establishes a database that stores loan product information, and compares the loan product information stored in the database with the information input by the loan applicant to match the information input by the loan applicant. Information on the loan product, and the user side, that is, the loan applicant, can obtain information on the loan product provided on the website.

That is, a person who wants to borrow a conventional loan obtains information about a loan product through a direct visit or a predetermined consultation on the telephone in order to receive a loan from the financial sector. However, there are various types of loan products provided by each bank or second financial sector, each loan condition is different for each financial company, and various documents are required. There was a problem that was not practically easy to get a loan. In order to solve the problems described above, a person who wishes to borrow through the Internet as described above enters his or her personal information and other information, and provides a type and condition of a loan product corresponding thereto to request a loan. A person can easily find a desired loan product and can compare loan products provided by each financial company.

However, the prior art as described above can collect and compare loan products, but it is impossible to confirm whether a loan can be obtained for the goods. Therefore, if a financial company rejects a loan, it may waste time and effort. In particular, due to the leakage of personal information of a person who wishes to borrow, there is a problem that individual asset information or other personal information is exposed and may be misused.

In addition, a person in a situation where the use of the Internet is not easy or a person who does not know how to use the Internet may not use the service through the Internet, and thus there is a problem in that the user of the service is limited.

The present invention was devised to solve the above problems, and temporarily stores information of loan applicants, searches for loan products using the information, and provides loanability under conditions of loan applicants. After the termination, the purpose is to delete the loan applicant's information to prevent personal information from being disclosed and to provide a way for a person who cannot use the Internet to check the loan product through a registered partner. .

1 is a view showing a conventional loan information providing system using the Internet.

Figure 2 is a diagram showing a system configuration for implementing the loan inquiry service providing method using the present invention.

Figure 3 is a flow chart showing the order of the loan inquiry service providing method using the present invention Internet.

Figure 4 is a flow chart showing a partner subscription step of the loan inquiry service providing method using the present invention Internet.

Figure 5 is a flow chart showing the cancellation of the service cost of the loan inquiry service providing method using the present invention.

Figure 6 is a flow chart showing a preferred embodiment of the loan inquiry service providing method using the present invention Internet.

*** Brief description of the main parts of the drawing ***

10: Internet network 20: loan applicant computer

30: partner computer 40: service provider server

50: Partner Information Database

60: servers and databases of financial service providers

70: server and database of credit information provider

The present invention for solving the technical problem to be achieved by the invention described above (a) using the personal computer of the borrower who wants to receive the loan information or the partner's personal computer that has obtained consent to use the personal information of the loan applicant A site access step of accessing a site providing a loan product inquiry service through an internet network; (b) an accessor discrimination step of distinguishing a person accessing the site through step (a); (c) a service cost payment step of paying a predetermined service cost after step (b); (d) a visitor authentication step of confirming a real name with personal information inputted by the lender of a loan if the visitor whose service cost is paid through the step (c) is checked and using a partner's ID and password if the partner is a borrower; (e) a step of inputting personal financial credit information, wherein the personalized creditor inputs the personal financial credit information of the borrower who wants to inquire the loan product through the identified real name through the step (d); (f) a loan product inquiry requesting step of delivering the lending candidate's personal financial credit information input in step (g) to a company providing financial information through an internet network; (g) acquiring loan product information data provided with the provisions, interest rates, and credit information of the loan product after the step (f); (h) a loan product information output step of outputting to the user on the screen using the loan product information data acquired in step (g); And (i) deleting personal financial credit related information for deleting the personal financial credit related information input in the step (e) after the inquiry is completed through the step (h).

In addition, the step (a) is a subscription information input step of providing an information input window for entering the personal information, the selected ID and the selected password of the partner for the partner's subscription through the site; A registration confirmation step of determining whether a partner can be registered according to the information input through the information input window, and confirming the partner registration by determining a partner's grade when the subscription is possible according to the input information; And a partner information storage step of storing, by the partner who has decided to join in the subscription confirming step, the personal identification information, ID, and password inputted in the subscription information input step in a partner information database.

In addition, if the accessor who accesses the site through the Internet network is identified as a partner in step (b), after the step (h) of outputting the loan product information acquired to the accessor on the screen, Partner revenue settlement step of calculating the profit at a predetermined rate according to; And a partner proceeding storage step of storing proceeding proceeding information settled in the partner proceeding settlement step in the partner information database.

In addition, in the step (d) of checking the real name of the accessor or the (g) step of receiving the provision, interest rate and credit information of the loan product is not authenticated, or the provided financial information is not normal data A selection confirmation step of selecting redo selection or end of service to redo steps (d) to (g); And if the service termination is selected in the selection confirmation step, the payment cancellation step of canceling the payment for the service cost in the step (c); characterized in that it further comprises.

Hereinafter, a loan inquiry service providing method using the Internet will be described in detail with reference to the accompanying drawings.

2 is a diagram showing a system configuration for implementing a loan inquiry service providing method using the present invention. As shown in FIG. 2, a conceptual configuration of a system for performing a loan inquiry service providing method using the Internet of the present invention is an internet network 10, a partner of a loan candidate computer 20 connected to the internet network 10, and a partner. Computer 30, a service providing server 40 for providing a service-related site through the Internet network 10, a partner information database 50 interoperating with the server 40, servers and data of financial service providers A base 60 and a server and database 70 of a credit information provider.

Loan applicants A and B wishing to receive a loan may access a service providing server 40 that provides a site for performing a loan inquiry service by using the computer 20 connected to the Internet network 10. Loan applicants A and B who access the site provided by the service providing server 40 input predetermined information through a web page provided by the site, and provide loan product information based on the input information. Personal financial credit information of the prospective borrowers A and B is delivered to the financial service provider, and the loan product inquiry request is made.

Based on the personal financial credit information transmitted in this way, the loan service is inquired at the financial service provider (A) to (B), and the credit information of the loan candidates A and B is inquired through the credit information provider.

That is, the financial service provider (a) is provided with information related to the personal financial credit of the loan applicant provided from the service providing server 40 to the information provided by the credit information provider and stored in the loan product information DB 60. The loan product of each financial institution is inquired, and the loan availability and loan product related information are transmitted to the service providing server 40.

The information provided from the financial service provider is output to the loan candidates A and B through a site provided by the service providing server 40. At this time, the type of loan products to be output and whether or not the loan can be output differently depending on the information inputted by the loan applicants A and B and the information provided by the credit information provider.

In addition, in the case of loan applicants A and B that can use the computer 20 connected to the Internet, the user can access the site and use a predetermined service. In the case of a lender or a poor loan applicant using the Internet, the service can be used through a partner registered in the database of the service providing server 40 side through the site.

That is, the loan applicants C and D request service inquiry to the partners A and B, and the requested partners A and B use the personal information of the loan candidates C and D through the computer 30 connected to the Internet network 10. And personal financial credit information to use the service.

Hereinafter, a method for providing the service will be described in detail with reference to FIG. 3.

3 is a flow chart showing the order of the loan inquiry service providing method using the present invention. As shown in FIG. 3, the present invention is largely divided into a site access step (S10), a user discrimination step (S20), a service cost settlement step (S30), a visitor authentication step (S40), and a personal finance credit related information input step (S50). ), The loan product inquiry application step (S60), the loan product information acquisition step (S70), the loan product information output step (S80) and personal finance credit-related information deletion step (S90).

The site access step (S10) is a step in which the loan applicants A, B to partners A and B of FIG. 2 access the site provided by the service providing server 40 using the computers 20 and 30.

The accessor discrimination step (S20) is a step of determining whether the accessor connected in the site access step (S10) is a loan hoper who wishes to make a loan or a partner stored and registered in the partner information DB (50). If the accessor is a partner, it is advisable to log in with the username and password that were given when registering as a partner.

In addition, even in the case of the borrower can provide a window for entering the partner information if the site is accessed by the introduction of the partner.

Service cost payment step (S30) is a step of paying a predetermined cost according to using the service provided by the present invention by using a variety of payment means that can handle the costs, such as banknote payment, Internet banking, card payment, mobile phone payment Can handle the cost

The visitor authentication step (S40) is a step for confirming the real name of the visitor by entering the name and resident registration number in the case of the borrower checks whether the person who intends to use the service is the real person. In addition, when the partner acts for loan product inquiry, the real name is confirmed through the name and social security number of the loan applicant who requested the loan product inquiry to the partner.

The step of inputting personal financial credit information (S50) The step of inputting the personal financial credit information of the borrower who has been verified by the real name in the accessor authentication step (S40) and is authenticated. Input personal financial credit information related to loan product inquiry through. In this case, if the accessor is a loan applicant, input his or her personal financial credit information, and if a partner, input personal financial credit information of the lender who requested the inquiry of a loan product.

The loan product inquiry application step (S60) transmits the personal financial credit information of the borrowing candidate entered in the personal financial credit information input step (S50) to the financial service provider or credit information provider, and to the transmitted information It is a step of applying for checking the loan product of the corresponding financial sector and confirming the loan availability of each loan product.

The loan product information acquisition step (S70) provides the financial services, such as the loan product inquiry and the availability of loans for each loan product and information necessary for the loan according to the information provided in the loan product inquiry application step (S60). This step is provided by the company.

The loan product information output step (S80) is a step of outputting the information provided from the financial service provider on the visitor's computer screen so that the visitor can check. In other words, the acquisition information is applied to the visitor by applying the acquisition information related to the loan product such as loan products, availability, and interest rate according to the information input by the visitor from the financial service provider.

The personal finance credit information deleting step (S90) is entered in the personal finance credit-related information input step (S50) when the visitor acquires the desired information in the loan product information output step (S80) and terminates the service. The step of deleting the personal financial credit information from the temporary storage space on the service providing server 40 side is to delete the financial related information of the individual disclosed by the lender to search the loan product.

Therefore, after the service is terminated, it is not possible to check the personal financial credit information of the loan applicants using the service.

Figure 4 is a flow chart illustrating a partner subscription step of the loan inquiry service providing method using the present invention. The flowchart shown in FIG. 4 is a flowchart illustrating a partner registration step. The process of registering as a partner includes a partner registration information input step S100, a partner registration confirmation step S110, and a partner information storage step S120. The information input through the step is stored in the partner information DB 50 of FIG.

The partner is a concept of a person who acts on behalf of the loan product lookup role in the situation that can not use the Internet, or on behalf of the loan candidate who does not know how to use the role to look up the loan product.

That is, the partner checks the partner's personal information and other information through a predetermined subscription process, and the input information is stored in the service side database. Therefore, the loan applicant can search the loan product through the guaranteed partner.

The partner registration information input step (S100) is a step in which a visitor who wants to join as a partner enters some personal information such as a name, address, phone number, etc. and other information to be confirmed in proceeding with the partner business. When applying for subscription, the service providing server provides a web page for entering subscription information, and a visitor who wants to join a partner enters the information in the provided web page.

The partner joining confirmation step (S110) is a step of approving the joining of the accessor who wants to join the partner if the information inputted on the basis of the information input through the web page is valid information and corresponds to a predetermined standard desired by the service side. The service providing server finally checks whether the input information is correct and outputs a subscription confirmation web page for determining subscription.

If the partner information storage step (S120) is determined to join through the output registration confirmation web page, the partner is registered according to the input information, and the input information is stored in the partner information database. According to the information, name, ID, password, personal information and partner information, the partner grade according to a predetermined standard is stored.

The partner registered through the above steps is authenticated through an ID and password that can identify the partner through the site provided by the server providing the service, and the certified partner loans on behalf of the borrower who wants to check the loan product. You can act as a product inquiry.

Figure 5 is a flow chart showing the cancellation of service costs payment of the loan inquiry service providing method using the present invention. As shown in FIG. 5, when the accessor authentication fails in the visitor authentication step S40 or when the data is not normal in the data checking step S75, if the accessor wants to terminate the service, the service cost settlement step S30. In step S95, a service cost payment canceling step of canceling the service fee charged is performed.

Re-authentication through re-entry through the step of confirming the termination (S45) if the authentication fails in the visitor authentication step (S40) according to the visitor who has paid the service costs, the information entered to look up the loan product is not valid information Try or cancel the service fee payment. At this time, the accessor is a loan applicant or partner who wishes to loan.

In addition, in the data checking step (S75) of checking the loan product inquiry result data, if the loan product inquiry result data is not normal data, the visitor terminates through the step (S77) of checking whether to terminate the service or recheck the data. If you want, cancel the service fee.

6 is a flowchart showing a preferred embodiment of the loan inquiry service providing method using the present invention. 6 is a view showing a preferred embodiment of the present invention for providing a service to look up a loan product to the desired hope to partner through the Internet network to provide a service providing server.

The accessor who accesses the site determines whether the accessor wishes to make a loan or a partner in the partner verification step (S610). If the accessor is a partner, a partner distinguished storage step (S615) of authenticating with a partner ID and password is performed.

After the step, the accessor performs the payment progress step (S620). At this time, the payment can use a payment means that can pay the cost, such as a mobile phone, credit card, it is particularly preferable to use a mobile phone payment using a mobile phone.

If the payment is successful in the payment confirmation step (S630) to determine the success of the payment progress step (S620), go to the next step, and if the payment is not made, the payment progress step (S620) is retried. do.

When a predetermined cost for receiving the service is processed, a real name authentication data input step (S640) for real name authentication of a person who wishes to obtain a loan is performed. In the above step, if the loan applicant is a visitor, his / her real name authentication data, name and resident registration number, etc. are input, and if a partner, the real name is authenticated by inputting the name and resident registration number of the client who requested the loan product inquiry.

If the entered real name authentication data is valid in the real name validity determination step (S650) of determining the real name authentication according to the real name authentication data input in the real name authentication data input step (S640), and proceeds, if not valid In the case of confirming the termination through the termination confirmation step (S655) for confirming the termination of the service, the payment cancellation step (S730) for canceling the payment made in the payment progress step (S620) is performed. The authentication data input step (S640) is repeated.

If it is determined that the real name verification data entered in the real name validity determination step (S650) is valid, perform the personal financial credit-related information input step (S660) of inputting the personal financial credit information of the borrower for querying the loan product do.

That is, the visitor inputs personal property, real estate, deposit reserve, job, salary, etc. through the web page provided in the personal financial credit information input step of the borrower.

When the input of personal financial credit information necessary for inquiring a loan product in the input of the personal financial credit information step (S660) is completed, in the step of inquiry through the inquiry agency (S670) based on the input information The loan product is inquired.

That is, the inquiry step (S670) through the inquiry agency is the personal financial credit information to the financial service provider or credit information provider that provides information on loan products provided by the first financial sector and the second financial sector, such as banks To provide.

In this case, the information provided from the credit information provider may be provided to the financial service provider, and the loan product may be searched using the input personal financial credit information and the information provided from the credit information provider. Financial service providers provide loan inquiry information, such as the types of loan products in the financial sector, interest rates and specificities of each loan product, and whether a loan is available.

Loan inquiry information output in the inquiry step (S670) through the inquiry agency checks whether or not the normal data in the inquiry result validity confirmation step (S680). In other words, if it is confirmed as a valid result in the inquiry result validity checking step (S680), the result output step (S690) of outputting the loan inquiry information is performed, and if it is not valid information, an end confirmation of confirming service termination or retry. When the termination is confirmed by executing this step (S685), the payment cancellation step (S730) is performed to cancel the payment made in the payment progress step (S620), and if the termination is not selected, the check result validity checking step (S680) is performed. Rerun

When the loan inquiry information is normally output in the result output step (S690), and the accessor who is the desired loan partner or partner who wishes to receive a loan is provided with the desired information, the partner confirmation step (S700) confirms whether the accessor is a partner. In the case of a partner, after performing a partner profit storage step (S710) of storing a partner's proceeds, a personal information deletion step (S720) of deleting all personal information input to receive a loan product inquiry service is performed, and the accessor If the lender is not a participant, the personal information deleting step (S720) is immediately performed.

The personal information deleting step (S720) deletes all the personal information input in the real name authentication data input step (S640) and personal financial credit-related information input step (S660).

In addition, if the payment cancellation step (S730) is made after the real name validity verification step (S650), after the payment cancellation is completed by performing the personal information deletion step (S720) entered in the real name authentication data input step (S640) If the real name authentication data is deleted, and the payment cancellation step (S730) is made after the check result validity checking step (S680), after the payment cancellation is completed, performing the personal information deleting step (S720) to input the real name authentication data. The real name authentication data input in step S640 and the personal finance credit information input in step S660 are deleted.

Therefore, when all services are received and the service is terminated or the service is terminated in progress, all personal information and credit related information necessary for loan product inquiry are deleted.

Although the present invention described above has been described in detail only with respect to the specific examples described, it will be apparent to those skilled in the art that various modifications and changes are possible within the technical scope of the present invention, and such modifications and modifications belong to the appended claims. will be.

As described above, the method for providing a loan inquiry service using the Internet according to the present invention provides a service for inquiring a loan product, so that a loan prospector who wants to receive a loan does not know whether the loan product and loan is available, and the time required to check through the financial sector. And it is possible to reduce the effort lenders can easily find the loan products of the desired financial sector among the products that can be borrowed, and also provides information on the loan products of the financial sector that the loan applicants can receive loan products provided by the financial sector Since interest rates and loan conditions can be compared to be selected, loan candidates have the effect of widening their choice in selecting loan products.

In addition, when the service is terminated, the lender wishes to delete all personal information disclosed in order to search the loan product, thereby preventing accidents caused by the leakage of personal information. That is, after searching for and providing a certain financial product using personal information or personal asset information entered to search for a loan product, the personal information or personal asset information is not stored and managed as a separate database. It is deleted without being deleted, so it is possible to fundamentally prevent personal information leakage accidents.

In particular, even if the Internet is not available or if the lender wants to know how to use the Internet, the loan product can be inquired through a partner who is verified and registered on the service side. Even if you are not available or you do not know how to use the Internet, you can receive the information of the desired loan products, and through the verified and registered partners through the loan product inquiry through the personal information And other information can be disclosed safely, there is an effect that can prevent accidents due to personal information in the future.

Claims (4)

(a) A site access step of accessing a site providing a loan product inquiry service through an internet network by using a personal computer of a lender who wants to receive loan information or a partner's personal computer that has consented to use the personal information of the lender. ; (b) an accessor discrimination step of distinguishing a person accessing the site through step (a); (c) a service cost payment step of paying a predetermined service cost after step (b); (d) a visitor authentication step of confirming a real name with personal information inputted by the lender of a loan if the visitor whose service cost is paid through the step (c) is checked and using a partner's ID and password if the partner is a borrower; (e) a step of inputting personal financial credit information, wherein the personalized creditor inputs the personal financial credit information of the borrower who wants to inquire the loan product through the identified real name through the step (d); (f) a loan product inquiry requesting step of delivering the lending candidate's personal financial credit information input in step (g) to a company providing financial information through an internet network; (g) acquiring loan product information data provided with the provisions, interest rates, and credit information of the loan product after the step (f); (h) a loan product information outputting step of outputting the screen to the visitor using the loan product information data acquired in step (g); And and (i) deleting personal financial credit related information for deleting the personal financial credit related information input in the step (e) after the inquiry is completed through the step (h). How to provide inquiry service. The method of claim 1, wherein step (a) A subscription information input step of providing an information input window through which the personal information of the partner, the selected ID, and the selected password can be inputted through the site; A registration confirmation step of determining whether a partner can be registered according to the information input through the information input window, and confirming the partner registration by determining a partner's grade when the subscription is possible according to the input information; And The partner information storage step of storing the personal identification information, ID and password entered in the subscription information input step by the partner who has decided to join in the subscription confirmation step in a partner information database; further comprising a loan using the Internet How to provide inquiry service. The method of claim 1, If the accessor who accesses the site through the internet network is identified as a partner in step (b), A partner profit settlement step of calculating a profit at a predetermined rate according to the grade of the partner after step (h) of outputting the loan product information acquired to the visitor on a screen; And And a partner revenue storage step of storing the revenue information calculated in the partner revenue settlement step in the partner information database. The method of claim 1, When the visitor is not authenticated in the step (d) of checking the real name of the visitor or the step (g) of receiving the provision, interest rate and credit information of the loan product, or the provided financial information is not normal data, A selection confirmation step of selecting redo selection or end of service for redoing the steps (d) to (g); And If the service termination is selected in the selection confirmation step, the cancellation of the payment step of canceling the payment for the service cost in the step (c); further comprising a loan inquiry service providing method using the Internet.