KR20030090898A - System for network-based providing financial service using reverse auction and method thereof - Google Patents

Abstract

PURPOSE: A system and method for supplying a financial commodity service is provided to check an identity, detect transaction contents in real time using a certificate of a user, and execute a reverse auction for classified financial commodities based on a credit score of the user when the user transmits predetermined financial commodity service request data. CONSTITUTION: A real name confirmation of a user who is connected through a communication network is executed for a predetermined financial commodity service request(S100). An operator computer groups client commodities based on a credit evaluation score of the user calculated based on identity information and financial commodity information data inputted by the user(S200). The operator computer deposits loaned money data generated based on a reverse auction as to a financial commodity requested by the user to a virtual account of the user(S300). The operator computer executes an account analysis as to the virtual account of the user and transmits virtual account management information to a user computer(400).

Description

System for network-based providing financial service using reverse auction and method

The present invention relates to a financial product service providing system and a method using a network-based reverse auction, and more particularly, to perform reverse auction on financial products classified by products based on the user's credit score identified by a user certificate. Network-based reverse auction that provides optimal financial product information and manages deposit and withdrawal information and bond information of financial products generated by reverse auction on financial products through integrated virtual account of newly established user of website. The present invention relates to a financial product service providing system and a method thereof.

In general, the Internet is an open network that can be connected and used freely by applying a common protocol called TCP / IP to other computers that anyone wants to access anywhere in the world. Various services such as e-mail, file transfer, and the World Wide Web (WWW) can be used for delivery.

As the use of the Internet is rapidly increasing both domestically and globally, the importance of the Internet is rapidly increasing as a strategic tool for improving efficiency and productivity in all parts of the existing industry, and new business opportunities are continuously created through the Internet. The number of service providers on the Internet is increasing.

Recently, as a part of the business through the Internet, financial information that provides the user and predetermined financial products, such as loans and card loans, based on customer information data entered by the user, for example, personal information, loan information and credit information. By interconnecting institutions, websites that offer financial products that users request are growing rapidly.

Conventionally, in the case of a website providing a financial product as described above, information data inputted by the user for applying for the financial product, for example, personal information, credit information, and financial product information, are transmitted through a predetermined communication network. When an event such as forgery or forgery of transaction contents occurs during transmission, there was a problem that the user's identification and transaction contents could not be confirmed in real time.

In addition, in the case of a website that provides a conventional financial product, only a function of simply connecting a user applying for a financial product with a financial institution that provides a predetermined financial product may cause a user to accidentally incur loans and interest. There was a problem that it could not prevent negative factors in financial transactions, such as credit failure, delinquency costs and debt collection, which occurred when payment failed.

An object of the present invention to solve the problems described above, when a user transmits a predetermined financial product service request data, the user's certificate is detected in real time to detect the identity and change of the transaction details, the user's credit After performing reverse auction on financial products classified by products based on the scores, providing the best financial product information, and managing the deposit and withdrawal information and bond information of the financial product through the virtual account of the newly created user of the website. The present invention provides a financial product service providing system and a method using a network-based reverse auction.

1 is a block diagram of a financial product service providing system using a network-based reverse auction according to the present invention.

2 is a block diagram showing an internal configuration of an operator computer according to the present invention;

3 is a flowchart of a method for providing a financial product service using a network-based reverse auction according to the present invention.

4 is a flowchart of a method for performing real name verification for a user who is connected through a network in an operator computer according to the present invention.

5 is a flowchart of a method for performing grouping by customer product based on a credit score of a user who has been credited in an operator computer according to the present invention.

6 is a flowchart of a method of performing reverse auction on a financial product based on a financial product service application digitally signed by a user's private key in an operator computer according to the present invention.

7 is a flowchart illustrating a method of performing a virtual account management of a user through account analysis of the user's virtual account based on a financial product generated by reverse auction in the operator computer according to the present invention.

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

10: network communication network 20: user computer

30: certification authority computer 40: rating agency computer

50: financial institution computer 60: operator computer

61: main controller 62: data communication unit

63: Member Certification Department 64: Credit Evaluation Department

65: financial product service operation department 66: customer management department

67: database

System and method for providing a network-based financial product reverse auction service according to the present invention for achieving the above object, the network communication network for the data communication between each other by connecting a plurality of unspecified communication lines;

When a user enters a service request signal after communication connection to a website providing a predetermined financial product service, the user transmits it to the outside through the network communication network, and a member of the website transmitted from the outside in response to the service request signal. Receives and displays the data form for registration, and includes the user information data entered by the user in the data form for registration, such as ID, password, name, gender, date of birth, final education level, occupation and telephone number, etc. It receives the user information data and transmits it to the outside, and downloads the private key and certificate of the public key infrastructure that the user applied for in order to verify the identity and prevent the forgery and alteration of transaction contents from the outside through the network communication network To a storage device, and the user Predetermined virtual account information data entered to establish a virtual account on the website providing the information, such as ID, password, name, social security number, zip code, address, telephone / cell phone number, e-mail, basic account bank A user computer that receives virtual account information data including a code, a basic account number, a password, and the like, and transmits it to the outside through the network communication network;

When a request signal for a predetermined financial product service is input through the network communication network, predetermined form data for membership registration is transmitted to the user computer, and a user enters the form data for membership for membership. Receives the user's information data and stores it in the database, and the user's real name verification data for real name verification for the user input from the outside through the network communication network, for example, electronic certificate application, credit information inquiry agreement Receives the user's real name identification data including the virtual account application form and the virtual account management agreement, and stores it in the database, and the user's personal information data entered by the user to apply for a predetermined financial product, for example Housing type, residential address, Receives user's personal information including marital status, final education level, job size, years of service, duties, position, annual income, car, loan status and size, financial institution transaction performance, credit card delinquency status, and whether there is a credit defect Store the data in the database, and receive the information data about the predetermined financial product requested by the user, for example, financial product information data including interest rate, commission rate, loan limit, period, repayment method and loan amount And transmits an authentication request signal for the user to the outside based on the real name confirmation data of the user stored in the database for authentication of the user, and authenticates through the network communication network in response to the authentication request signal for the user. When the verification data is input, the application for the virtual account request for the user The virtual account information data for the user from the outside in response to the virtual account request signal is stored in a database and transmitted to the user computer, and the user uses the user computer to When inputting the product bid request signal for the user's customer information, financial product information data and credit rating request signal stored in the database to the outside, credit rating data of the user transmitted from the outside through the network communication network For example, receiving credit rating data including credit rating scores, corresponding product information, etc., and performing grouping by product for the corresponding user, and when the user inputs a bid signal for a predetermined financial product, based on the bid signal, The user stored in the database The bidding information data of the user, including customer identification information, credit rating data and financial product information data, is transmitted to the financial institution computer through the network communication network, and the financial institution is based on the bidding information data for the financial product of the user. Bidding information on the financial product, such as interest rates, loans, and repayment terms, is calculated from a computer, and the optimal bidding information data is calculated upon input and transmitted to the user's computer. In response, when the successful bid information is input, the successful bid information is transmitted to the corresponding financial institution computer, and the loan and related information transmitted from the financial institution computer based on the successful bid information of the user for the financial product are deposited into the user's virtual account. To the loan from the user's computer. When the transfer request signal is input, the loan data is transmitted to the user's real account of the user through the deposit account of the virtual account, and activity information about the user's virtual account, for example, the transfer and repayment information data of the loan and the related information An operator computer for transmitting the virtual account management information and the bond information of the user to the user computer;

Real-name verification data of the user transmitted from the operator computer through the network communication network when the authentication request signal for the user is input from the operator computer, for example, electronic authentication application, credit information inquiry agreement, virtual account application, and virtual account management. Perform the authentication procedure of the user based on the real name verification data including the agreement, and transmit the certificate including the user information data, the certificate issuer and the user's public key data to the user computer, and then the authentication confirmation data of the user A certification authority computer for transmitting the to the operator computer;

When the credit request signal for the user is input from the operator computer, credit is performed for the user based on personal information data and financial product information data of the user transmitted from the operator computer through the network communication network. A credit rating agency computer for calculating a score and transmitting the score to the operator computer via the network; And

Bid information for a predetermined financial product including personal information, financial product information, and credit rating data for the user from the operator computer in response to the bidding information; The bid information data including loans and repayment conditions is transmitted to the operator computer, and when the bid information data for the financial product is input from the operator computer in response to the bid information data, And a financial institution computer for depositing a loan into a virtual account.

In addition, the network-based financial product reverse auction service providing method according to the present invention, (1) performing the real name confirmation of the user connected through the network communication network for the financial product service application from the operator computer; (2) performing a user's credit evaluation on the basis of personal information and financial product information data input by the user at the operator server and grouping the customer products accordingly; (3) performing reverse auctions on the financial instruments on the operator's computer in accordance with the financial instrument services application signed by the user; And (4) performing a virtual account management of the user through account analysis of the user's virtual account in the operator server.

Hereinafter, a network based financial product reverse auction service providing system and method thereof will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a network-based financial product reverse auction service providing system according to the present invention, Figure 2 is a block diagram showing the internal configuration of the operator computer according to the present invention, Figure 3 is a network-based according to the present invention 4 is a flowchart illustrating a lower routine for a method for providing a network-based financial product reverse auction service according to the present invention.

First, a configuration of a network-based financial product reverse auction service providing system according to the present invention will be described in detail with reference to FIG. 1.

As shown in FIG. 1, the network communication network 10 is a wired / wireless Internet communication network, which will be described later by a user computer 20, a certificate authority computer 30, a credit rating computer 40, a financial institution computer 50, and an operator. The computer 60 connects the communication lines to each other to allow mutual data communication.

When the user inputs a service request signal after communication connection to a website that provides a predetermined financial product service, the user computer 20 includes an operator computer that describes the financial product service request signal through the network communication network 10. 60) and downloads and displays a member data form for registration of the website transmitted from the operator computer 60, which will be described later, in response to the financial product service request signal.

The user computer 20 stores user information data, such as ID, password, name, gender, date of birth, and final information, in the data form for registration, in order for the user to register on the website for providing the financial products service. When inputting user information data including education, occupation, and phone number, the user's membership information data is transmitted to the operator server 60 to be described later through the network communication network 10.

The user computer 20 uses predetermined information input means, for example, a scanner or the like, to input a predetermined financial product service through a video communication. When inputting member authentication image information such as a picture, a character, a company log, etc. for the user, it transmits the member authentication image information for the user to the operator server 60 through the network communication network.

The user computer 20 includes a predetermined certification authority computer (hereinafter referred to as a private key and certificate of a public key infrastructure that the user has applied for in order to verify identity and prevent forgery and alteration of transaction contents) through the network communication network (10). 30) and store it in a storage medium such as a hard disk, a smart card, and a floppy diskette.

Here, the certificate includes predetermined information data which guarantees the identification of the user, for example, a certification authority, the public key of the user, and the user's information data.

When the user computer 20 transmits the form data for inputting personal information about the user from the operator computer 60, which will be described later, for the user's credit evaluation through the network communication network 10, the user for credit evaluation Predetermined personal information data entered, for example, housing type, residential address, marital status, final education level, job scale, years of service, duties, position, annual income, car, loan status and size, financial institution transaction results, credit User identification information data including card delinquency records and credit defects is transmitted to the operator computer 60 described later.

When the user computer 20 transmits the form data for inputting financial product information for the user from the operator computer 60, which will be described later, for the user's credit evaluation through the network communication network 10, the user performs a credit evaluation. The operator computer 60 for which financial instrument information data, including interest rate, commission rate, loan limit, period, repayment method, and loan amount, which are inputted in the financial instrument information input form data, will be described later. To send).

The user computer 20 forms a form for inputting predetermined virtual account information from an operator server 60 which will be described later in order to establish a virtual account on the website that provides a predetermined financial product service through the network communication network 10. When the data is transmitted, certain virtual account information data entered by the user to establish a virtual account on the website, such as ID, password, name, social security number, zip code, address, telephone / cell phone number, e-mail. The virtual account information data including the basic account bank code, the basic account number and the password is transmitted to the operator computer 60 which will be described later.

The user computer, based on the request signal for the predetermined financial product service input by the user, predetermined operator information for the financial product, for example, customer identification information, financial product information data and When the credit rating data is transmitted to a financial period computer, which will be described later, predetermined bidding information for the financial product transmitted from the financial institution computer 50, which will be described later, corresponding to the bidding information transmitted from the operator computer 60, which will be described later, For example, bid information including interest rates, loans, and repayment conditions is downloaded from an operator computer 60, which will be described later, and displayed to the user.

In addition, when the user inputs a transfer request signal to the user's actual account for the loan deposited in the virtual account, the user computer 20 transmits it to the operator computer 60 which will be described later through the network communication network 10. In addition, the account management information for the financial products, that is, loans, for example, withdrawal information, repayment information, and bond generation information, is received from the operator computer 60 to be described later and displays it.

The certification authority computer 30, when a real name confirmation request signal for the user is input from the operator computer 60 to be described later, the real name of the user transmitted from the operator computer 60 to be described later through the network communication network 10 The verification of the user's real name is performed based on the identification information data, for example, the electronic certification application, the credit information inquiry agreement, the virtual account application, and the virtual account management agreement.

The electronic certification application includes predetermined user authentication information required for authentication of the user, for example, name, resident registration number, resident registration address, current residence address, telephone number, mobile phone, e-mail, work / school name, and certificate grade. Include.

The certification authority computer 30 performs the real name verification of the user based on the real name identification information data transmitted from the operator computer 60, which will be described later, and sends the certificate to the user computer 20 through the network communication network 910. send.

In addition, the certificate authority computer 30 transmits the certificate including the user information data, the certificate issuer and the public key data of the user to the user computer 20, and transmits the real name verification result data of the user to the network communication network ( 10) to the operator computer 60 to be described later.

The credit rating agency computer 40, when the predetermined personal information data and financial product information data is input to the user from the operator computer 60 described later via the network communication network 10, the personal information data of the user. And calculate a credit score of the user based on the financial product information data, and transmit the credit score of the user to the operator computer 60 to be described later through the network communication network 10.

The financial institution computer 50 receives bid information for predetermined financial products including personal information, financial product information, and credit rating data from the operator computer 60, which will be described later, through the network communication network 10. Upon input, the bid information for the financial product is received, the bid information is judged based on a predetermined screening criterion, and the bidding for the financial product is judged, and then the financial product is approved.

The financial institution computer 50 responds to the bidding request for a predetermined financial product transmitted from the operator computer 60 to be described later through the network communication network 10 and performs a bidding on the financial product. The bid information data including the bid information data, for example, interest rates, loans, repayment conditions, and the like is transmitted to the operator computer 60 described later.

In addition, the financial institution computer 50, when a successful bid signal for the financial product requested by the user is input from the operator computer 60, which will be described later, through the network communication network 10, is opened on the website to which the user has registered. The loan data is transmitted to the user's virtual account.

Here, it should be noted that the financial institution includes not only the first financial sector, such as banks, but also the second financial sector, such as capital, savings banks, and lenders.

The operator computer 60 transmits predetermined membership registration data for membership to the user computer 20 through the network communication network 10 when the user connects to a website that provides a predetermined financial product service. .

The operator computer 60 is a predetermined member registration information data entered by the user in the form for membership registration, for example, ID, password, name, gender, date of birth, final education, occupation and telephone number, etc. Receives the user information data including the received from the user computer 20 and stores it in the database 67 to be described later.

The operator computer 60 is a user including real name verification data for the user input from the outside through the network communication network 10, for example, an electronic certificate application, credit information inquiry agreement, virtual account application, and virtual account management agreement Receives the real name confirmation data of the stored in the database 67 to be described later.

The operator computer 60 transmits an authentication request signal for the user through the network communication network 10 based on the real name confirmation data of the user stored in the database 76 described later for authentication of the user. 30).

The operator computer 60 receives a virtual account request signal for the user when the authentication confirmation data of the user is input from the certification authority computer 30 in response to the authentication request signal for the user through the network communication network 10. After transmitting to the financial institution computer 50, the virtual account information data for the user transmitted from the financial institution computer 50 in response to the virtual account request signal is stored in the database 67 to be described later and the Transfer to the user computer 20.

The operator computer 60 is the user's personal information data entered by the user in order to apply for a certain financial product, such as housing type, residential address, marital status, final education, work scale, years of service, duties, Personal information, including position, annual income, passenger car, loan status and size, financial institution transaction performance, credit card delinquency status and whether there is a bad credit, and information data about the financial products requested by the user, for example, interest rate Financial product information data including a fee rate, a loan limit, a period, a repayment method, and a loan amount is received from the user computer 20 and stored in a database 67 to be described later.

When the operator computer 60 inputs a product bid request signal for a predetermined financial product through the network communication network 10, the user's personal information and financial information stored in the database 67 described below for credit evaluation of the user. After transmitting the commodity information data to the credit rating agency computer 40, the credit rating request signal for the corresponding user is transmitted to the credit rating agency computer 40.

The operator computer 60 inputs credit rating data for the user from the credit rating agency computer 40 via the network communication network 10, for example, credit rating data including credit rating scores, corresponding product information, and the like. And store it in the database 67, and then group the users with similar credit rating data based on the credit rating data.

The operator computer 60 inputs a bid signal for a predetermined financial product from the user computer 20 through the network communication network 10 to the database 67 based on the bid signal for the financial product. The user's bidding information data including the stored customer's personal information, credit rating data and financial product information data is transmitted to the financial institution computer 50 through the network communication network 10, and the user's financial product. Based on the bidding information data for the bidding information, such as interest rates, loans and repayment terms, such as interest rates, loans and repayment conditions for the financial products from the financial institution computer 50 after calculating the optimal bid information data Transfer to the user computer 20.

The operator computer 60 transmits the successful bid information to the corresponding financial institution computer 50 when the successful bid information of the financial product is input from the user computer 20 in response to the bid information data. Based on the successful bid information of the user, the loan and the related information transmitted from the financial institution computer 50 are deposited into the virtual account of the user.

The operator computer 60 transmits the loan data to the user's real account through the deposit account of the virtual account when the transfer request signal for the loan is input from the user computer 20, and activity information on the user's virtual account. For example, the virtual account management information and the bond information of the user including the transfer and repayment information data of the loan and related information are transmitted to the user computer 20.

In addition, the operator computer 60 corresponds to predetermined member authentication image information for the user, for example, image information such as a picture, a character, a company log, and the like, from the user computer 20 through the network communication network. After storing the user's personal information together with the user's personal information data in the database, when the user connects through the user computer 20 to request a predetermined financial product service, the user's image information transmitted from the user computer and The image information of the user stored in the database is compared to directly perform member authentication for the user.

Hereinafter, the internal configuration and operation of the operator computer according to the present invention will be described in more detail with reference to FIG. 2.

As shown in FIG. 2, the main controller 61 includes a data communication unit 62, a member authentication unit 63, and a credit evaluation unit (described later) based on a control signal input from the outside through the network communication network 10. 64) the financial product service operation unit 65, the customer management unit 66, and the database 67;

The data communication unit 62 is provided with a predetermined communication protocol, for example, the TCP / IP protocol.

After performing a communication connection with the network communication network 10 using a communication interface, a predetermined control signal input from the outside through the network communication network 10 is transmitted to the control unit 61, and a member authentication unit (to be described later) ( 63) the user computer 20 and the certification authority computer based on the control signal of the control unit 61 by receiving the processing results of the credit evaluation unit 64, the financial product service operation unit 65 and the customer management unit 66; 30, credit institution computer 40 and financial institution computer 50.

The member authentication unit 63 is stored in a database 67 to be described later based on a control signal of the control unit 61 when the user connects to a website that provides a predetermined financial product service through the network communication network 10. Member registration and member authentication are performed based on the user's information data.

The member authentication unit 63 stores a user stored in a database 67 to be described later when a request signal of a financial product service is input from the user computer 20 through the data communication unit 62 communicating with the network communication network 10. The real name verification data of the user and the real name verification request signal of the user, including the predetermined name verification data, e.g. electronic certification application, credit information inquiry agreement, virtual account application and virtual account agreement On the basis of the control signal, the data is transmitted to the predetermined authority authority computer 30 through the data communication unit 62.

The member authentication unit 63 receives the authentication confirmation signal of the corresponding user and predetermined authentication data for the corresponding user, for example, user information, the name of the certification authority, and the public key from the certification authority computer 30 through the network communication network 10. When the certificate including the data is transmitted, the authentication data is transmitted to the database 67 to be described later based on the control signal of the controller 61.

Subsequently, the member authentication unit 63 controls the control unit 61 when the user transmits the service request data for the predetermined financial product signed using the user's private key for identification and prevention of forgery and alteration of transaction contents. Based on the user's certificate stored in the database 67 to be described later based on the control signal of the control unit performs real name verification of the corresponding user.

The member authentication unit 63 stores the virtual account data and the virtual account of the user stored in the database 67 to be described later when the authentication confirmation signal for the corresponding user from the certification authority computer 30 is input through the network communication network 10. The application signal is transmitted to the financial institution computer 50 through the data communication unit 62 based on the control signal of the control unit 61.

Then, the member authentication unit 63 is based on the control signal of the control unit 61 when the virtual account information data of the corresponding user through the data communication unit 62 to communicate with the network communication network 10, the corresponding; The virtual account data of the user is transferred to a database 67 to be described later, and then transmitted to the user computer 20 through the data communication unit 62.

The credit rating unit 64 receives the user identification information and the financial product information data of the user stored in the database 67, which will be described later for the user's credit evaluation, based on the control signal of the control unit 61. The data communication unit 62 transmits to the credit rating agency 40.

The credit rating unit 64 evaluates the credit of the user based on a control signal of the control unit 61 when credit evaluation data of the corresponding user is input from the data communication unit 62 which is connected to the network communication network 10. Group the user and the financial instruments requested by the user according to the score.

Thereafter, the credit rating unit 64 is a database 67 which describes later the information data on the new financial product transmitted from the user computer 20 through the data communication unit 62 which is connected to the network communication network 10. ) And transmits the bidding information for the new financial product requested by the user to the financial institution computer 50 every predetermined time, for example, every hour, based on the control signal of the control unit 61.

The financial product service operation unit 65 responds to the bid signal of the credit rating unit 64 for the financial product input by the user through the data communication unit 62 communicating with the network communication network 10. The financial institution that matches the bid information of the financial product entered by the user when inputting the bidding information including the interest rate, the loan amount, and the repayment condition for the financial product from the institution computer 50, The bid information transmitted from the computer 50 is matched with each other based on the control signal of the controller 61.

In this case, the financial product service operation unit 65 connects the data communication unit 62 which communicates the bidding information matched with the financial product requested by the user with the network communication network 10 based on the control signal of the control unit 61. Transfer to the user computer 20 through.

The financial product service operation unit 65 receives the successful bid information on the financial product in response to the bid information from the user computer 20 through the data communication unit 62 communicating with the network 10. Based on the control signal of the control unit 61 and transmits it to the financial institution computer 50.

The financial product service operation unit 65 sends a loan request signal to the financial institution computer 50 to deposit the loan for the financial product of the user from the financial institution to the virtual account opened on the website providing the product service. do.

Subsequently, the financial product service operation unit 65 analyzes an account including transfer and repayment information, withdrawal information, bond generation information, etc. of the loan to the virtual account from the customer management unit 66 which will be described later through the data communication unit 62. After receiving the information, based on the control signal of the control unit 61 and transmits it to the user computer 20 through the data communication unit 62.

The customer management unit 66 transmits the transfer information from the user computer 20 to the real account of the user through the data communication unit 61 to the real account of the loan accumulated in the virtual account. The user information data is input to the database 67 which receives the virtual account information data including the transfer data of the loan which has transferred the loan to the real account of the user and the repayment data of the loan repaid from the real account of the user. Save as.

Thereafter, the customer management unit 66 analyzes the bond generation data and the repayment information data when a bond is generated based on the information data of the virtual account for the user, and analyzes the user's account analysis data in the financial product service operation unit 65. To pass).

The database 67 provides predetermined membership information data for each user who has connected to a website providing a predetermined financial product service, for example, an ID, a password, a name, a gender, a date of birth, a final education level, a job and a telephone. Information data such as a number is received from the member authentication unit based on a control signal of the control unit 61 and stored therein.

The database 67 stores real names such as predetermined user real name verification data transmitted from the user computer 20 for real name verification, for example, electronic authentication application form, credit information inquiry agreement form, virtual account application form, and virtual account management agreement form. Confirmation data is received from the member authentication unit 63 and stored therein.

The database 67 includes predetermined credit rating data for the user's credit rating, for example, the user's housing type, residence address, marital status, final education level, job size, years of service, duties, position, annual income, car, Customer's personal information data including loan status and size, financial institution's transaction performance, credit card delinquency and credit failure, interest rate, commission rate, loan limit, period, repayment method and loan for certain financial products requested by users Financial product information data including an amount and the like is received through the credit rating unit and then stored.

The database 67 stores virtual account information data input by a user for establishing a virtual account on a website providing a predetermined financial product service, for example, an ID, a password, a name, a social security number, a postal code, an address, a telephone / The virtual account information data for the corresponding user, such as a mobile phone number, an e-mail, a basic account bank code, a basic account number, and a password, is received through the data communication unit 62 and then stored.

The database 67 receives a credit score for the user transmitted from the credit bureau computer 40 from the credit rating unit and stores the credit score.

Hereinafter, a method of providing a network-based financial product reverse auction service according to the present invention will be described with reference to FIGS. 3 to 7.

First, the operator computer of the present invention, as shown in Figure 3, performs a real name confirmation of the user connected to the communication through the network communication network for a predetermined financial product service application (S100).

Referring to FIG. 4 in detail, when a user connects to a website providing a predetermined financial product service (S101), the operator computer 60 determines whether the user has registered as a member of the website. In order to determine the transmission of the member login input window to the user computer 20 (S102).

When the user inputs predetermined login data, for example, an ID and password, for membership authentication in the login input window (S103), the operator computer 60 is stored in the database 67 based on the input login data. On the basis of the user's information data, it is determined whether the corresponding user has registered (S104).

As a result of the determination in step S104, when the user has subscribed to the website as a member, the operator computer 60 determines whether a service request signal for a predetermined financial product is input from the user computer 20 ( S105).

As a result of the determination in step S105, when a service request signal for a predetermined financial product is input, the operator computer 60 transmits form data for inputting real name verification data for generating a certificate of the user to the user computer 20. (S106).

When the real name identification data for the user from the user computer 20, for example, the electronic identification application, credit information inquiry agreement, virtual account application and the virtual account management agreement is entered (S107), the operator The computer 60 stores the real name identification data of the user in the database 67 (S108).

The operator computer 60 stores the real name confirmation data of the user in the database 67 and then transmits the real name confirmation data and the authentication application data of the user through the network communication network 10 to the certification authority computer 30. To transmit (S109).

After the authentication authority computer 30 performs authentication of the user based on the user's real name confirmation data, the authentication data and user authentication information of the user, for example, user information and authentication, through the network communication network 10. When transmitting a certificate including an institution name and public key data (S110), the operator computer 60 stores the certificate for the user in the database 67 and then virtually establishes a virtual account of the user on the website. The form data for account input is transferred to the corresponding user computer 67 (S111).

In order for a user to establish a virtual account on the website, predetermined information data, such as ID, password, name, social security number, zip code, address, telephone / cell phone number, e-mail, When inputting virtual account information data such as a basic account bank code, a basic account number and a password (S112), the operator computer 60 transmits the user's virtual account information data to the financial institution computer 50 after the corresponding. The virtual account establishment request signal for establishing a virtual account of the user is transmitted (S113).

Thereafter, the operator computer 60 stores the virtual account information data of the corresponding user through the network communication network 10 in the database 67 when the financial account information 50 is input from the financial institution computer 50 (S114).

When the service request signal for the predetermined financial product is not input as a result of the determination in step S105, the operator computer 60 transmits the information data on the item selected by the user to the website to the user computer 20. (S115)

As a result of the determination in step S104, if the user does not subscribe to the website as a member, the operator computer 60 transmits a warning message to the corresponding user computer 20 and then through the network communication network 10. The form data for subscription is transmitted to the corresponding user computer 20 (S116).

When the user enters predetermined member registration information data, for example, ID, password, name, gender, date of birth, last education level, occupation and telephone number, in the form for registering membership (S117), the operator computer 60 Stores the user registration information data in the database 67 (S118).

After performing the real name confirmation of the user through the above-described process, the operator computer, as shown in Figure 3, the credit rating of the user calculated based on the personal information and financial product information data entered by the user Grouping by customer product based on the score (S200)

Referring to FIG. 4, when the user transmits a predetermined financial product service request signal through the network communication network 10 (S201), the operator computer 60 may provide a predetermined credit rating for the user. Credit form data, for example, predetermined form data for inputting personal information and financial product information of the customer is transmitted to the corresponding user computer 20 (S202).

If the user enters the form data for the credit evaluation data, the housing type, residence address, marital status, final education level, job scale, years of service, duties, position, annual income, car, loan status and size, financial institution transaction results, When inputting user identification information data including credit card delinquency records and credit defects and financial product information data including fee rate, loan limit, period, repayment method and loan amount (S203), the operator computer 60 The credit rating data of the corresponding user is stored in the database 67 (S204).

Thereafter, the operator computer 60 transmits the credit rating data and the credit rating request signal for the corresponding user to the credit rating agency computer 40 through the network communication network 10 (S205).

The credit rating agency computer 40 calculates a credit rating score of the user based on the credit rating data of the user using a predetermined factor for calculating a credit score, and then calculates the calculated score from the network communication network 10. When transmitting through (S206), the operator computer 60 performs the grouping by the user of the product based on the user's credit rating score and customer financial product information data transmitted from the credit rating agency computer 40 ( S207), and transmits the user's financial product application information to the financial institution computer 50 at predetermined time intervals (S208).

After performing grouping by customer product based on the user's credit score through the above-described process as described above, the operator computer, as shown in Figure 3, the loan generated by the reverse auction on the financial product requested by the user The data is transferred to the virtual account of the user (S300).

Referring to FIG. 5 in detail, when the financial product service request data electronically signed by the user's private key is input from the user computer 20 through the network communication network 10 (S301), the operator computer 60 ) Decrypts the financial instrument service request data using the public key included in the user's certificate stored in the database 67 (S302), and then examines the certificate attached to the financial instrument service request data to determine the user's request. It is determined whether the forgery of the identification and transaction details (S303).

If there is no forgery about the identification and transaction details of the user as a result of the determination in step S303, the operator computer 60 is bidding information for the financial product input by the user, for example, customer identification information, customer products The bidding information for the financial product including the request information and the customer evaluation information is transmitted to the financial institution computer 50 (S304).

Subsequently, predetermined bidding information data for the financial product in response to the bidding information from a financial institution computer 50 such as a bank, a capital, a lender, or the like through the network communication network 10, eg For example, when bidding information including interest rates, loans and repayment conditions is input (S305), the operator computer 60 matches the bidding information with the bidding information transmitted from the respective financial institutions and then optimizes the bidding information. The bid information of the financial institution that presents the bidding condition is transmitted to the user computer 20 (S306).

Thereafter, the operator computer 60 determines whether successful bid information is transmitted from the user computer 20 in response to the bid information on the financial product (S307).

If the successful bid information is not input to the bid information from the user computer 20 as a result of the determination in step S307, the operator computer 60 performs the step S304 again to calculate the optimal successful bid information. do.

As a result of the determination in step S307, when the successful bid information is input from the user computer 20 in response to the bid information on the financial product, the operator computer 60 sends the successful bid information to the corresponding financial institution computer 50. After the transmission (S308), the input request signal to the virtual account of the user for the loan of the financial product is transmitted to the financial institution computer 50 (S309).

As a result of the determination in step S303, if the identification of the user and the forgery of the transaction contents have occurred, the operator computer 60 transmits a warning message to the user computer 20, and the financial product requested by the user. The execution of the service is stopped (S310).

As described above, after depositing the loan data generated based on reverse auction on the financial product requested by the user to the user's virtual account through the above-described process, the operator computer displays the user's virtual as shown in FIG. 3. After performing the account analysis for the account and transmits the virtual account management information to the user computer (S400).

Referring to FIG. 7 in detail, when a user inputs a deposit / withdrawal request signal to a real account for a loan deposited in a virtual account after communication connection to the website where a virtual account is established (S401), the operator computer 60 determines whether the deposit and withdrawal request signal is a transfer request signal of a loan or a loan repayment request signal from the customer real account (S402).

As a result of the determination in step S402, when the deposit and withdrawal request signal is a transfer request signal for the loan, the operator computer 60 is deposited in the virtual account to the financial institution computer 50 through the network communication network 10. The transfer request signal to the actual account of the user for the loan is transmitted (S403).

Subsequently, the financial institution computer 50 transfers the loan to the real user of the user through the deposit account of the virtual account created on the website based on the transfer request signal of the operator computer transmitted through the network communication network. (S404).

As a result of the determination in step S402, when the deposit and withdrawal request signal is a repayment request signal for the loan, the operator computer 60 repays the repayment of the loan repaid from the real account of the user through the repayment account of the virtual account. After receiving it and transmitting it to the financial institution computer 50 (S405).

Thereafter, the operator computer 60 stores the transfer and redemption data for the loan of the user for the virtual account in the database 67 (S406).

Thereafter, the operator computer 60 determines whether or not the user's bond is generated based on the deposit and withdrawal data of the virtual account by the transfer and repayment of the loan to the virtual account stored in the database 67 (S407).

As a result of the determination in step S407, when a bond for the user occurs, the operator computer 60 transmits the bond generation information to the user computer 20 (S408).

If the bond for the user does not occur as a result of the determination in step S407, the operator computer 960 transmits management information of the virtual account to the user computer 20 through the network communication network 10 (S409). ).

As described above, according to the system and method for providing a financial product service using a network-based reverse auction of the present invention, when a user transmits financial product information data through a network communication network to apply for a predetermined financial product, Even if the user's identity and transaction contents are forged or altered, the user's certificate can be used to verify the user's identity and the contents of the transaction in real time. .

In addition, the present invention provides an optimal financial product information by performing reverse auction on financial products classified by products based on the credit score calculated based on the credit rating data input by the user, and then applies the reverse auction to the financial product. By managing the deposit and withdrawal information and the bond information of financial products generated by the user through the virtual account of the newly established user of the website, the negatives in financial transactions such as credit failure, delinquency cost and debt collection caused by the user's mistake It provides the effect of preventing the side in advance.

Herein, while the present invention has been described with reference to the preferred embodiments, those skilled in the art will variously modify the present invention without departing from the spirit and scope of the invention as set forth in the claims below. And can be changed.

Claims (10)

A network communication network which connects a plurality of unspecified communication lines to perform data communication with each other; Receives the user information data entered by the user to register on a website providing a predetermined financial product service and transmits it to the outside, and through the network communication network to confirm the user's identity and to prevent alteration or alteration of transaction contents. Download the private key and certificate transmitted from the outside and store it in a predetermined storage medium, receive the virtual account information data inputted by the user to establish a virtual account on the website, and transmit it to the outside, the network communication network A user computer for displaying account management information for the virtual account transmitted through the account; The authentication procedure of the user of the user is performed based on the real name confirmation data and the real name confirmation request signal input from the outside through the network communication network, and if the authentication procedure of the user is successfully performed, the user information data, A certificate authority computer that transmits a certificate including a certificate issuer and a user's public key data to the user computer, and then transmits authentication verification data of the user to the outside through the network communication network; A credit rating agency computer that calculates a credit score by performing credit evaluation of the user based on credit rating data of the user and a credit rating request signal input from the outside through the network communication network, and transmits the credit score to the outside; Examine and approve bidding information for a predetermined financial product received from the outside through the network communication network, transmit the bidding information for the financial product to the outside in response to the bidding information, and then correspond to the bidding information. A financial institution computer for depositing loans to a user's virtual account when successful bid information on the financial product is input; The user performs member registration based on the member registration information data transmitted from the user computer through the network communication network, and the real name verification data and the real name confirmation request signal of the user inputted from the outside to confirm the user's real name. After transferring to the computer of the certification authority, based on the real name identification data of the user transmitted from the certification authority computer, and transmits the user's virtual account application to the financial institution computer, and stores the user's virtual account in the database, The user's credit rating data and credit request signal, which are input from the outside for the user's credit rating, are transmitted to the credit reporting agency computer, and the corresponding financial information is calculated based on the user's credit rating score transmitted from the credit rating agency. Customer data by product Group the group information to the financial institution computer, and when the bid signal for the financial product is input from the user computer, the bid information is transmitted to the financial institution computer, and the bid information about the financial product is received from the financial institution. After matching the bidding information with the bidding information, the corresponding bidding information is transmitted to the user's computer, and when the bidding information is inputted from the user's computer, the bidding information is transmitted to the financial institution's computer, and the user's virtual account opened on the website. Operator computer that transmits the user's account management information to the user's computer after performing the virtual account analysis of the user based on activity information such as transfer and repayment Financial product service providing system using a network-based reverse auction, characterized in that configured to include The method of claim 1, wherein the operator server, When a predetermined financial product service request signal, which is digitally signed by the user's private key, is input from the user's computer, the user and the transaction details are checked in real time using the user's certificate stored in the database. Financial product service providing system using a network-based reverse auction. The computer of claim 1, wherein the operator computer comprises: A financial product using a network-based reverse auction, characterized in that when the bond information for the user is generated based on the account activity information such as transfer, repayment and interest generation of the loan to the user's virtual account Service delivery system. The computer of claim 1, wherein the operator computer comprises: When the image information for member authentication such as a picture, a character, a company log, etc. of the user is input from the user computer, the user information is stored together with the personal information data of the user, and then the user requests the financial product service. In the case of a communication connection through a user computer, the network-based reverse auction, which compares the image information of the user transmitted from the user computer with the image information of the user stored in the database and performs member authentication for the user directly. Financial product service providing system using. The computer of claim 1, wherein the financial institution computer includes: A financial product service providing system using a network-based reverse auction, which includes not only a first financial sector such as a bank, but also a capital, a savings bank, a lender and a lender. (1) performing a real name verification of a user who is connected through a network for a financial product service application on an operator computer; (2) performing a user's credit evaluation on the basis of personal information and financial product information data input by the user at the operator server and grouping the customer products accordingly; (3) performing reverse auctions on the financial instruments on the operator's computer in accordance with the financial instrument services application signed by the user; And (4) The process of managing the virtual account of the user through the account analysis of the user's virtual account in the operator server Financial product service providing method using a network-based reverse auction, characterized in that configured to include. The method of claim 6, wherein the process (1), (1-1) When a user communicates through a network communication network to a website that provides a predetermined financial product service, the operator's computer is sent to the user's computer to determine whether the user is a member of the website. Transmitting a member login input window; (1-2) when the user inputs login data such as ID and password for member authentication in the login input window, determining whether the corresponding user is a member based on the login data input by the user on the operator computer; ; (1-3) If the user is a member of the website as a result of the determination in step (1-2), the operator computer determines whether to input a service request signal for a predetermined financial product from the user computer. step; (1-4) As a result of the determination in step (1-3), when a service request signal for a predetermined financial product is input, the operator computer sends form data for inputting real name verification data for generating a certificate of the user to the user computer. Transmitting; (1-5) When real name verification data including electronic certification application form, credit information inquiry agreement, virtual account application form and virtual account management agreement form is inputted from the user's computer, the user's real name verification data on the operator computer Storing the data in a database and transmitting the user's real name identification data and authentication application data to the certification authority computer through the network; (1-6) The authentication authority computer performs authentication of the user based on the real name identification data of the user, and includes authentication data and user information, name of the certification authority, and public key data of the user through the network communication network. When transmitting the certificate, the operator computer stores the certificate for the user in the database and transmits the form data for the virtual account input for the establishment of the virtual account of the user on the website to the user computer; (1-7) When a user inputs predetermined virtual account information data into the virtual account input form data in order to open a virtual account on the website, the user for setting up a virtual account of the user on the operator computer. Transmitting virtual account information data and a virtual account establishment request signal to the financial institution computer; (1-8) A virtual account for the user transmitted from the operator computer through the network communication network when the virtual account information data for the user is input from the financial institution computer based on the new request signal for the virtual account. Storing the information data in a database; (1-9) When the service request signal for a predetermined financial product is not input as a result of the determination in step (1-3), the operator computer sends information data about the item selected by the user from the website to the user computer. Transmitting; (1-10) As a result of the determination in step (1-2), if the user does not subscribe to the website as a member, the operator computer sends a warning message to the user computer for membership registration through the network communication network. Transmitting the form data to the corresponding user computer; And (1-11) when the user inputs predetermined member registration information data in the member registration form data, storing the member registration information data input by the user in the operator computer in the database; Financial product service providing method using a network-based reverse auction, characterized in that configured to include. The method of claim 6, wherein the process (2), (2-1) When the user transmits a predetermined financial product service request signal through the network communication network, the operator computer displays predetermined form data for inputting predetermined credit rating data for credit rating of the user. Transferring to a computer; (2-2) When the user inputs the user's personal information data and the financial product information data for the credit evaluation to the form data for the credit data input, the user's credit rating data input by the user on the operator computer Storing in the database; (2-3) an operator computer storing credit rating data of the corresponding user in a database and transmitting the credit rating data and the credit rating request signal for the corresponding user to the credit rating agency computer through the network; (2-4) The credit rating score of the user is calculated on the credit rating agency computer based on the credit rating data input by the user using a predetermined factor for calculating the credit score, and then the calculated result is calculated. Transmitting to the operator computer via; And (2-5) When the credit score score of the user is transmitted from the credit bureau computer through the network communication network, the operator's computer is classified according to the user's product based on the user's credit score and customer financial product information data. After performing the grouping, transmitting the user's financial product application information to the financial institution computer at predetermined time intervals. Financial product service providing method using a network-based reverse auction, characterized in that configured to include. The method of claim 6, wherein the process (3), (3-1) When the financial product service request data electronically signed by the user's private key is input from the user computer through the network communication network, the operator computer uses the public key included in the user's certificate stored in the database. Decrypting the financial instrument service request data; (3-2) decrypting the financial instrument service request data using the public key included in the certificate of the user stored in the database, and then reviewing the certificate attached to the financial instrument service request data on the operator computer; Determining identity of the user and determining whether the contents of the transaction are forgery; (3-3) If there is no forgery about the identification and transaction details of the corresponding user as a result of the determination in step (3-2), customer identification information and customer product request information on the financial product entered by the user on the operator computer; And transmitting bid information about the financial product including the customer evaluation information to the financial institution computer. (3-4) when bid information including predetermined interest rate, loan amount and repayment condition for the financial product is input in response to the bidding information from the financial institution computer through the network communication network, the financial information is inputted from the operator computer. Transmitting the bid information of a financial institution that matches the bid information with the bid information transmitted from the institution computer and suggests an optimal bid condition to the user computer; (3-5) After matching the bidding information transmitted from the financial institution computer with the bidding information, the bidding information of the financial institution that proposes an optimal bidding condition is transmitted to the user computer, and then the operator computer Determining whether or not the successful bid information is transmitted from the user computer in response to the bid information on the financial product; (3-6) When the successful bid information is not input to the bid information from the user computer as a result of the determination in the step (3-5), the step (3-3) to calculate the optimal successful bid information on the operator computer Re-performing; (3-7) When the successful bid information is input from the user computer in response to the bid information on the financial product, the operator computer transmits the successful bid information to the corresponding financial institution computer. Then transmitting an input request signal to the corresponding financial institution computer for the user's virtual account for the loan of the financial product; And (3-8) In the case that the identification of the user and the forgery of the transaction contents are forged as a result of the judgment in step (3-2), the operator computer sends a warning message to the user computer and then the user applies for the financial Steps to stop the execution of the goods service Financial product service providing method using a network-based reverse auction, characterized in that configured to include. The method of claim 6, wherein the process (4), (4-1) When the user inputs a deposit and withdrawal request signal to the user's real account for the loan amount deposited in the virtual account after the communication connection to the website where the virtual account is newly established, the deposit and withdrawal request signal is transmitted from the operator computer. Determining whether it is a request for transfer of a loan or a request for repayment of a loan for an actual account of the user; (4-2) When the deposit and withdrawal request signal is a transfer request signal for the loan, as a result of the determination in step (4-1), the loan is deposited in the virtual account from the operator computer to the corresponding financial institution computer through the network communication network. Transmitting a transfer request signal to the user's actual account for the account; (4-3) The transfer request of the operator computer transmitted from the financial institution computer through the network communication network when the transfer request signal from the operator computer to the real account of the user for the loan deposited in the virtual account is transmitted. Transferring the loan to a real user of the user through a deposit account of a virtual account created on the website based on a signal; (4-4) As a result of the determination in step (4-2), when the deposit and withdrawal request signal is a request for repayment of the loan, the operator computer repays the loan of the loan repaid from the real account of the user. Transmitting the reimbursement through the account to the corresponding financial institution computer; (4-5) storing transfer and repayment data of the user's loan for the virtual account in the database at the operator computer; (4-6) after the transfer and repayment data of the user's loan for the virtual account is stored in a database, the virtual account by transfer and repayment of the loan for the virtual account stored in the database on the operator computer; Determining whether a bond is generated by the user based on the deposit and withdrawal data of the user; (4-7) if the bond for the user is generated as a result of the determination in step 4-6, transmitting the bond generation information from the operator computer to the user computer; And (4-8) if the bond for the user does not occur as a result of the determination in step (4-6), transmitting management information of the virtual account from the operator computer to the corresponding user computer through the network communication network; Financial product service providing method using a network-based reverse auction, characterized in that configured to include.