KR20030094615A - System and Method for providing a loan service to a business customer on internet - Google Patents

Abstract

PURPOSE: A system and a method for offering a customized loan service for an enterprise customer by using the Internet are provided to enable a bank employee to reliably consult with an enterprise customer on the loan by offering the optimal loan goods information for the enterprise customer to the bank employee connecting to a bank server through the Internet or an exclusive network. CONSTITUTION: Terminals(10,20) connect to the Internet. The bank server(30) offers the service recommending the optimal load goods of the enterprise customer to the terminal connected through the Internet. A database stores various kinds of information needed to recommend the optimal loan goods to the enterprise customer and is managed by the bank server. An operator terminal(50) inputs the information to the bank server or controls an operation state of the bank server.

Description

System and Method for providing a loan service to a corporate customer using the Internet and its method {System and Method for providing a loan service to a business customer on internet}

The present invention relates to a system and a method for providing a customized loan service for a corporate customer using the Internet, and more particularly, a customized loan service for a corporate customer who can recommend an optimal loan product to a corporate customer using the Internet. A provisioning system and method thereof are provided.

As the use of the Internet has become more popular, banks have provided Internet banking services that allow individual customers to view their banking services using the Internet, and individual customers can use the Internet banking to check and transfer deposits. And it can be provided with a service that can query in real time the amount that can be borrowed.

However, since such customized loan service is not provided to corporate customers, it was inconvenient for corporate clients to find a loan product suitable for them by calling a telephone or visiting a bank in person. . In particular, loan products targeting corporate customers set loan conditions such as the type of company customer, the location of business, the type of business, and the purpose of loan for each loan product, and loans are made only to corporate customers who satisfy the conditions. In addition, it was difficult for the corporate customer to check the loan conditions of each loan product, and it was difficult to know exactly what loan products he could use. Not only that, but also the bank clerk who conducts the loan business does not only have various kinds of loan products sold to companies, but also the terms of the loans are applied differently. It is difficult to do.

Accordingly, the present invention has been made to solve the above-described problems, and an object of the present invention is to recommend an optimal loan product to a corporate customer connected to a bank server through the Internet.

In addition, the present invention provides the bank employee connected to the bank server through the Internet or a dedicated network to provide the best loan product information for the corporate customer who requested the loan consultation, so that the bank staff can provide reliable loan counseling to the corporate customer For other purposes.

1 is an overall configuration diagram of a custom loan service providing system for a corporate customer using the Internet according to an embodiment of the present invention.

2 to 4 is a flow chart illustrating a method for providing a custom loan service for corporate customers using the Internet according to an embodiment of the present invention.

5 is a diagram illustrating a web page for entering corporate information according to an embodiment of the present invention.

Custom loan service providing system for corporate customers using the Internet to achieve the above object,

A database storing information necessary to perform a corporate customer loan service;

It is characterized in that it comprises a bank server for providing information on a loan product suitable for a corporate customer requesting a loan inquiry to the terminal connected through the Internet in conjunction with the database.

In addition, a method of providing a personalized loan service to a corporate customer using the Internet for realizing the above object,

A first step of confirming whether the corporate information is changed and receiving final corporate information when a terminal of the corporate customer whose corporate information is previously stored is connected to a bank server;

Receiving a loan related information when a corporate loan product inquiry is requested by the corporate customer, and searching for a loan product suitable for the company information and the loan related information among the loan products by using loan product information previously stored in a database; process;

And a third process of outputting a list of loan products corresponding to the search results to the terminal, and outputting detailed information about the loan products previously stored in the database to the terminal when a specific loan product is selected from the list. It is done.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the present invention in more detail.

1 is an overall configuration diagram of a system for providing a customized loan service for a corporate customer using the Internet according to an embodiment of the present invention. The present invention provides a terminal 10 and 20 capable of accessing the Internet, and the terminal connected through the Internet. (10,20) is managed by the bank server 30, the bank server 30 that provides a service for recommending the best loan products for corporate customers to recommend the best loan products for corporate customers It is provided with a database (hereinafter, referred to as DB (DataBase)), and the operator terminal 50 for inputting predetermined information into the bank server 30 or controlling the operation state of the bank server 30, which stores various necessary information. It is composed.

Here, the terminal (10, 20) is connected to the Internet and the customer terminal (10) for querying the loan products that are optimal for them and, when requested by the corporate customer is connected to the bank server 30 is optimal for the corporate customer It can be composed of an employee terminal 20 for querying a loan product and providing the result to the corporate customer. In the present invention, although the employee terminal 20 has a structure connected to the bank server 30 through the Internet, but the dedicated terminal between the bank server 30 and the employee terminal 20 to establish a staff terminal 20 through the dedicated network ) May be configured to connect to the bank server 30.

In addition, the DB 40 includes corporate customer information, which is information for authenticating corporate customers, employee information, which is information for authenticating employees, loan condition information for loan products sold to corporate customers, and Loan product information including detailed information, company information including detailed information about the company is stored.

Here, the corporate customer information includes information about an ID and password of a corporate customer, contact information, and the like, and the employee information includes information about an ID and password, a company number, and a contact information of a bank employee. Loan product information includes loan conditions, repayment conditions, and terms and conditions information for the loan product, and company information includes business registration number, trade name, date of establishment, business location, industrial classification code, end-of-year sales, capital, and regular workers. Information about the number is included.

Hereinafter, a method of providing a customized loan service for a corporate customer using the Internet according to an embodiment of the present invention will be described with reference to the accompanying flowchart.

When a predetermined terminal is connected to the bank server 30, the bank server 30 checks whether the terminal is logged in (S10), and the new member is not logged in. When requesting to join (S12), it is determined that the terminal is a corporate customer terminal 10, and outputs a web page for inputting corporate customer information and corporate information to display corporate customer information and corporate information such as ID, password, and contact information. It receives an input (S14).

In particular, the web page for entering the company information may be configured as shown in FIG.

According to Fig. 5, the trade name, business registration number, establishment date, industry classification code, number of regular workers, recent year's sales, last year's capital stock, business location (zip code ▼) and the like are entered. In addition, by using the industrial classification code, the number of regular workers, recent year's sales, last year's capital, and business registration number (4th, 5th), small business / small business / small business / cooperative / large business / comprehensive finance, securities, insurance Business types are classified into mutual savings banks / public institutions, non-profit corporations, and organizations. For example, if the industrial classification code is mining / manufacturing / transportation / construction and the number of regular workers is 50 or less, or if the industrial classification code is wholesale / retail / other service and the number of regular workers is 10 or less, then the industrial classification code shall be classified as small business. If it is a manufacturing / transportation / construction business and the number of full-time workers is less than 10, or if it is other industry and the number of full-time workers is less than 5, it is classified as a small business. In addition, the input of the industrial classification code, the large classification list according to the industry and the small classification list for each industry is presented, when the enterprise customer selects a specific industry from the small classification list, the industry classification code assigned to the industry is automatically entered.

On the other hand, if all the information is entered in the corporate information input web page shown in Figure 5 and then the confirmation icon (5a) is clicked (Yes in S16), the bank server 30 is the corporate customer input in step 14 Information and company information is stored in the DB (40).

Then, the bank server 30 notifies the success of membership to the corporate customer terminal 10 (S20).

However, unlike the case described above, if a corporate customer who does not log in and selects a sample view of the company loan inquiry without signing up (Yes in S22), a sample screen for the pre-stored company loan inquiry is displayed. Output to (10) (S24), and requests a new member subscription to the corresponding customer terminal (10) (S26).

On the other hand, if the check-in in step 10, the corresponding terminal enters the ID and password for the log-in is successful log-in (Yes in S10), the bank server 30 in conjunction with the DB 40 of the terminal It is determined whether the user is a corporate customer or an employee (S30). If the user ID of the terminal is a corporate customer, the web server 30 searches for the corporate information of the corresponding corporate customer in the DB 40. , And outputs the corporate information of the company to the corporate customer terminal (10) (S32). At this time, the web page output to the corporate customer terminal 10 is configured to enter the data by the corporate customer on the corporate information input screen shown in FIG. The web page includes an item for confirming whether or not the company information has been changed.

Subsequently, the bank server 30 checks whether the corporate information change is requested by the corporate customer terminal 10 (S34), and if the corporate information change is not requested (No in S34), the corporate customer terminal 10 It is checked whether the company loan product inquiry is requested by (S36).

As a result of the check, when the corporate customer terminal 10 requests the corporate loan product inquiry through the web page (Yes in S36), the web server outputs a loan related information input screen to the corporate customer terminal 10 to the loan. Receive various information related (S37).

The loan-related information received in step 37 corresponds to information on loan usage, information on collateral types, and information on technology / qualification registration requirements. Here, the information on the loan purpose is information on whether the loan purpose is "operating funds" or "facility funds", and the information on the type of collateral is information on whether the type of collateral is "credit loan" or "collateral loan". The information on the qualification registration requirements is information on whether it possesses "new technology", "start-up small business", "venture company", "promising small business" or "promising advanced technology enterprise". In addition, detailed information for each field is specified in the information on the loan purpose, the information on the type of collateral, and the information on the technology / qualification registration requirements. For example, the details of "Operating Fund" and "Research (Technology) Development Fund" are specified in "Operation Fund" for loan use, and "Purchase of Construction Site" and "Building of Factory (Factory)" in "Fund Fund". It is designated as sub-items such as "Fund", "Machine / Mold purchase production", "Environment / recycling related fund", "Industrial disaster prevention fund", "gas related facility fund" and "energy related facility fund". The loan-related information may be specified to change the selection items according to the situation, and the detailed items according to each selection item may also be changed and specified.

Subsequently, the bank server 30 compares the lending information of the corporate customer and the loan-related information received in step 37 with the loan conditions of the loan product information stored in the DB 40 to obtain a loan product loanable to the corporate customer. Search (S38).

Then, the bank server 30 outputs a list of the searched loan products to the corporate customer terminal 10, and checks whether a particular loan product is selected from the list (S42), when the selection of a particular loan product is checked. (Yes in step 42), the detailed information of the loan product is output to the corporate customer terminal 10 in conjunction with the DB (40) (S44).

Subsequently, the bank server 30 determines whether the enterprise customer terminal 10 is logged out, and when logged out (Yes in step 46), terminates the above-described series of processes and logs out. If not (No in step 46), the process proceeds to step 42.

Meanwhile, in step 36, the corporate loan product is not inquired by the corporate customer terminal 10 (No), and other contents provided by the Internet banking, for example, deposit balance inquiry, account transfer service, and saving product inquiry, are selected. Provides a service for the enterprise customer terminal (10). Thereafter, the bank server 30 checks whether the enterprise customer terminal 10 is logged off and proceeds to step 36 described above when the log-off state is confirmed.

In addition, if the determination result in step 34 is requested to change the company information by the enterprise customer terminal 10 (Yes in step 34), the bank server 30 is the enterprise customer terminal 10 to enter the company information input page as shown in FIG. Outputs to, and receives the corporate information from the corporate customer terminal 10 (S52).

Subsequently, when the input of the corporate information is completed (Yes in step 54), the bank server 30 stores the inputted corporate information in the DB 40 (S56), and successes of the information change to the corporate customer terminal 10. Notify (S58).

On the other hand, if it is determined in step 30 that the log-in user is an employee (see Fig. 4), the bank server 30 outputs a web page for inputting corporate customer identification information to the employee terminal 20, At least one of the "borrower number", "business registration number", "mutual" corresponding to the enterprise customer identification information is received (S70). In this case, the employee has a loan inquiry to the corporate customer by phone, or when the customer visits the bank directly visits the bank, the bank server 30 is connected to the inquiry about the loan product suitable for the corporate customer The result will be communicated to the corporate customer.

Subsequently, the bank server 30 searches for a corporate customer stored in the company information corresponding to the borrower number or the business registration number or the trade name entered in conjunction with the DB 40 and outputs a list thereof to the employee terminal 20 ( S72).

Thereafter, the bank server 30 checks whether a specific company is selected from the list (S74), and when a specific corporate customer is selected, outputs corporate information about the corporate customer to the employee terminal 20 (S76). , Proceed to step 36.

Subsequently, the employee terminal 20 may collect information on loan products suitable for the corresponding enterprise customer and provide the same to the enterprise customer through the steps 36 to 46 described above. Here, in steps 36 to 46 illustrated in FIG. 3, the information to be provided by the bank server 30 becomes the enterprise customer terminal 10 because the information inquiry target is a corporate customer. In step 46, since the subject of the information inquiry is an employee, the subject providing information from the bank server 30 becomes the employee terminal 20. Although there are such differences, the present invention does not separately present the step extending from the above step 76 because the information is the same and the process is the same. Replaced.

On the other hand, if the employee terminal 20 does not select a specific company from the list of corporate customers (No at step 74) and requests a loan inquiry for a new company (Yes at step 78) as a result of the determination at step 74, FIG. The web page for the company information input screen shown in the output to the employee terminal 20 to receive the company information for the new company (S80), and then performs the process of step 36 to step 46 of FIG. Even at this time, the information inquiry target is the employee terminal (20).

Meanwhile, in step 44 of FIG. 3, the detailed information on the loan product may be output, and then the loan application may be made for the loan product. In this case, when the loan application is received by the bank server 30, The bank server 30 may pay the loan to the corporate customer after the loan approval.

According to the present invention as described above, it is possible to easily check the products that can be loaned to the company without having to visit the bank directly or call the loan over the phone, the bank staff also differently depending on the corporate conditions of the customer It is possible to easily collect information on the loan products to be applied, it is effective to provide a high quality financial services to customers.

On the other hand, the present invention is not limited to the above-described embodiment, but can be modified and modified within the scope not departing from the gist of the present invention, such modifications and changes should be regarded as belonging to the following claims. will be.

Claims (11)

A database storing information necessary to perform a corporate customer loan service; Providing a personalized loan service for a corporate customer using the Internet, characterized in that it comprises a bank server that provides information on the loan product suitable for the corporate customer requesting a loan inquiry to the terminal connected through the Internet in connection with the database system. The method of claim 1, The database provides personalized loan service for corporate customers using the Internet, characterized in that corporate customer information and employee information for terminal authentication, information on loan products for companies, and company information for corporate analysis are stored. system . The method of claim 1, The terminal is a custom loan service providing system for a corporate customer using the Internet, characterized in that the user is a corporate customer terminal. The method of claim 1, The terminal is a personal loan service providing system for a corporate customer using the Internet, characterized in that the user is an employee terminal that is a bank employee. A first step of confirming whether the corporate information is changed and receiving final corporate information when a terminal of the corporate customer whose corporate information is previously stored is connected to a bank server; Receiving a loan related information when a corporate loan product inquiry is requested by the corporate customer, and searching for a loan product suitable for the company information and the loan related information among the loan products by using loan product information previously stored in a database; process; And a third process of outputting a list of loan products corresponding to the search results to the terminal, and outputting detailed information about the loan products previously stored in the database to the terminal when a specific loan product is selected from the list. To provide customized loan service for corporate customers using internet. The method of claim 5, And a fourth process of accepting the loan application when the loan application for the loan product is input from the terminal while the bank server outputs detailed information about the loan product to the terminal after the third process. Method for providing a personalized loan service for corporate customers using the Internet, characterized in that made. The method of claim 5, The corporate information received in the first step is for business customers using the Internet, characterized in that the information including a business registration number, trade name, establishment date, business location, industrial classification code, the end of last year sales, the number of regular employees How to Offer Personalized Loan Services. The method of claim 5, The loan-related information received in the second process is a loan service providing method for a corporate customer using the Internet, characterized in that the information on the loan purpose, information on the type of loan, technology / qualification information. When the terminal of the bank employee is connected to the bank server, the first step of receiving the company identification information for the customer requesting the loan inquiry; A second step of searching for a corporate customer having corporate information corresponding to the corporate identification information by interworking with a database storing corporate information and outputting a list thereof to the employee terminal; A third step of outputting corporate information of a corresponding corporate customer to the employee terminal when a specific corporate customer is selected from the list, and receiving loan related information from the employee terminal; A fourth step of searching for a loan product suitable for the company information and the loan related information among loan products by using the loan product information previously stored in the database; And a fifth process of outputting a list of loan products corresponding to the search results to the terminal, and outputting detailed information about the loan products previously stored in the database to the terminal when a specific loan product is selected from the list. A method of providing a personalized loan service for corporate customers using the Internet. The method of claim 9, The corporate identification information received in the first process is at least one or more of a borrower number, a business registration number, and a business name. The method of claim 9, The third process may further include receiving a company information and a loan-related company information for a new company from the employee terminal, if a particular company is not selected from the list. How to Provide a Loan Service.