KR20040021747A - Loan pass card dispenser and loan method using the same - Google Patents

Abstract

PURPOSE: A device for issuing a loan card and a loan method using the same are provided to collectively process personal certification, examination of a loan limit, and issuance of the loan card on a single device if a customer visits an unmanned store and requests a loan. CONSTITUTION: A network server(100) transmits/receives data for issuing the loan card from a main server in a remote place. A display part(102) displays the information inputted from the user and the information received from the main server. A video camera(104) pictures/transmits a face of a user to the network server. A scanner(106) scans/transmits an ID card to the network server. An information input part(108) receives/transmits loan application, personal information, and loan examination information to the network server. A fingerprint reader(110) reads/transmits a fingerprint of the user to the network server. A card issuer(112) issues the loan card having the loan limit through the examination by connecting to the network server.

Description

Loan pass card dispenser and loan method using the same}

The present invention relates to a loan-only card that allows a customer to apply for a loan and freely borrow or repay the funds within the loan limit amount, and in particular, issue a loan-only card unattended after examination of personal information. It relates to a loan exclusive card issuing device and a loan method using the same.

Conventional products that provide loans by examining the personal credit status include negative loans provided by banknotes or cash services provided by credit card companies. Negative loans have a problem that the customer should bring the necessary documents for the loan to visit the lender, and it takes a long time until the actual loan is made. In addition, the cash service has the advantage that the time required because the loan is made immediately to the customer with a credit card, but the customer has to pay the full amount of the loan every month and the limit is very small.

Loan-only cards are created to solve these problems. A loan using a loan-only card is a method that allows a customer to apply for a loan to calculate a loan limit based on the customer's personal credit status, approve the loan, and issue a loan-only card to withdraw the loan. At this time, the customer can withdraw the loan from ATMs such as banks or subway stations by using the loan-only card. In other words, the loan-only card is a card made to have only a cash service function of the credit card function, such as a credit card can be freely borrowed within the customer's loan limit through the bank's cash dispenser. In particular, if a customer uses an online loan to access a lender's website using the Internet and apply for a loan, there is an advantage that the customer can easily obtain a loan without visiting the lender.

However, even if you apply for a loan-only card online, the real thing of the card must be delivered to the customer's address through the delivery company, so it takes time for the customer to receive the loan-only card and withdraw the loan. Therefore, there was a time difficulty for customers who needed a quick loan. Also, in order to apply for a loan online, a computer that can use the Internet must be provided, and personal authentication must be performed online only through a personal computer. Therefore, there was a possibility of loaning to an unqualified person because the personal authentication of the customer was not made surely. In addition, in order to prevent a delivery accident, after the customer receives the card, the loan-only card can be used only after the loan is approved by the lender, so there is a troublesome use of the customer.

The technical problem to be achieved by the present invention is to provide a loan-only card issuing device that is processed in a single device when a customer visits an unmanned store and applies for a loan, personal authentication, screening of the loan limit and issuance of a loan card. .

Another technical problem to be solved by the present invention is that when a customer visits an unmanned store and applies for a loan, loans using a loan-only card issuing device in which personal authentication, screening of a loan limit, and loan card issuance are collectively processed in a single device. To provide a way.

1 is a block diagram illustrating a loan-only card issuing apparatus according to a preferred embodiment of the present invention.

2 is a configuration in which the loan-only card issuing apparatus according to the present invention is connected to the main server and the information provider servers through a wired or wireless communication network.

Figure 3 is an illustration of a loan-only card issuing apparatus according to an embodiment of the present invention.

Figure 4 is a view for explaining an embodiment of a loan-only card issued by the loan-only card issuing apparatus according to the present invention.

5 is a flowchart illustrating a loan method using a loan-only card issuing apparatus according to a preferred embodiment of the present invention.

<Description of Symbols for Main Parts of Drawings>

100: network server 102: display unit

104: image camera 106: scanner

108: information input unit 110: fingerprint reader

112: card issuing unit 210: main server

220: credit information server 222: mobile phone service company server

224: credit card company server 226: bank server

In order to achieve the above object, the loan-only card issuing device according to the present invention is a loan-only card issuing device that can withdraw and repay a loan within the loan limit, data for issuing a loan-only card from a main server of a remote location. A network server that transmits and receives a network server, a display unit that receives information input from a user and information received from a main server from a network server, and displays the same to a user, and photographs a user's face to confirm whether or not the user is sent to the network server A video camera, a scanner that scans and transmits an identification card for user identification to a network server, an information input unit that receives loan application, personal identification information and loan examination information from a user and transmits it to a network server, and a user's fingerprint. Fingerprint reader to recognize and transmit to the network server and It is preferable to include a card issuing unit connected to the network server and issuing a loan-only card determined by the screening limit.

In order to achieve the above another object, the loan method using the loan-only card issuing apparatus according to the present invention includes a display unit, a video camera, a scanner, an information input unit, a fingerprint reader and a card issuing unit connected to a network server, and the network server is located at a remote location. In the loan method using a loan-only card issuing device that is connected to the main server to send and receive data for issuing a loan-only card, the information input unit receives the user's new contract application, image camera, scanner and the information input unit Receiving the personal information, transmitting the information to the main server to check whether the user, and receiving the loan screening information of the user through the information input unit, determining whether the loan is possible and the loan limit on the main server; Informing the user of whether the loan is possible and the loan limit amount; It is preferable to include the step of receiving the password of the loan-only card and the fingerprint of the user through the input unit and the fingerprint reader and issuing the loan-only card through the card issuing unit.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, the following embodiments are provided to those skilled in the art to fully understand the present invention, and may be modified in various forms, and the scope of the present invention is limited to the embodiments described below. It is not.

1 is a block diagram illustrating a loan-only card issuing apparatus according to a preferred embodiment of the present invention, the network server 100, the display unit 102, the image camera 104, the scanner 106, the information input unit ( 108, the fingerprint reader 110 and the card issuing unit 112. 2 is a block diagram of the loan-only card issuing apparatus 200 according to the present invention is connected to a main server 210 and information provider servers 220 to 226 remotely through a wired or wireless communication network.

Loan dedicated card issuing device, when a user wants a loan, visits the lender directly and issues loan application, loan counseling, loan screening and loan-only card by using a device installed in an unmanned store without direct face-to-face examination and writing of a written agreement. This device can be processed in real time at once. The unmanned store in which such a loan-only card issuing device is installed may be a public place, a branch of a lender, or a general bank in the market.

The network server 100 of the loan-only card issuing device connects the loan-only card issuing device with the main server 210 of the remote place to transmit and receive information for issuing the loan-only card and to control the entire loan process. In addition, it is connected to the display unit 102, image camera 104, scanner 106, information input unit 108, fingerprint reader 110 and card issuing unit 112 of the loan-only card issuing device to transmit and receive data. It also plays a role in controlling them. The main server 210 is a server located in a lending institution that operates a loan-only card issuing device. The main server 210 is connected to a network server of each loan-only card issuing device to verify a user's identity or proceed with a loan review. It is responsible for sending to the server. Referring to FIG. 2, the network server 100 may be connected to the main server 210 by wire or wirelessly, preferably by a dedicated network. In addition, the main server 210 is connected to various information provider servers 220 to 226 by wire or wirelessly. For example, the credit information server server 220, mobile phone service company server 222, credit card company server 224 and the bank server 226 may be connected to the Internet. The network server 100 and the main server 210 may be implemented as a workstation capable of providing the wired or wireless communication service described above.

The display 102 receives the information received from the user and the information received from the main server 210 from the network server 100 and displays the information to the user. That is, before the user applies for a loan, the initial screen is displayed, and when the user applies for a loan, a screen according to the loan process is provided to the user. The display unit 102 may be implemented as a general monitor used in a computer. Loan-only card issuing apparatus according to an embodiment of the present invention may include a printer, while the display unit displays the information to the user through the screen, the printer can directly print the information on a paper and provide it to the user.

The scanner 106 scans and transmits the identification card for the user's identity to the network server 100. The network server 100 then transmits it to the main server 210 and stores it in the database. The ID of the user stored in this way may be verified using the image camera 104 or the information provider server. That is, the image camera 104 photographs the user's face and transmits the image to the main server 210 through the network server 100, and the main server 210 includes a picture and an image camera included in the user's ID card. The identity of the user may be compared by comparing the face of the user input through 104). In addition, the matters described in the ID card or driver's license, which is the user's identification card, may be connected to each information provider server to confirm identity. The image camera 104 is also used by the user to conduct a video interview with the counselor of the main server 210. Loan-only card issuing device may preferably be provided with a microphone and a speaker, it is possible to conduct a video interview using the microphone, the speaker and the image camera. If you use a video camera, you can monitor the loan card issuing device installed in the unmanned store, or if the customer applies for a loan to record the entire process until the loan card is issued to check the defect of the issued card.

The information input unit 108 receives a loan application, personal identification information, loan examination information, and the like from the user and serves to transmit the information to the network server 100. At this time, the personal information is the user's name, social security number, mobile phone number, credit card number and password, bank account number and password, and the loan screening information includes the user's family composition, marital status, job name, job title, income classification, bank account number, This can be information about annual property taxes and employment insurance. The information input unit 108 may be a keyboard, a mouse, a light pen, or the like, all of which may be provided or one or more of them. The light pen is a pen-type input means having a function of recognizing an electron beam emitted from the screen of the display unit 102 to detect the position of the screen or inputting data by sending light directly to the screen. By using it, information can be input more easily.

The fingerprint reader 110 recognizes a user's fingerprint and transmits the recognized fingerprint data to the network server 100. In order to receive and use a loan-only card, a password and fingerprint registration of the user are required. It is preferable to use an electronic fingerprint extractor that can collect fingerprints without dirtying the fingertips.

Card issuing unit 112 serves to issue a loan-only card determined by the limit of the main server 210. Loan dedicated card issuing apparatus according to the present invention is a loan screening in real time and issuing a loan-only card is required card issuing unit. The card issuing unit 112 may be implemented as an encoder, an embosser, a card printer, and a dispenser. The encoder may encode information to be stored in the card. In addition, the embosser prints the card number or the user's name on the card surface with irregularities. In addition, the card printer (printer) prints the necessary information on the card surface, the dispenser (dispenser) is to output the printed card so that the user can receive.

According to an embodiment of the present invention, a cash automatic payment unit may be provided in a loan-only card issuing device. Cash dispenser is a cash dispenser (ATM) installed in a general bank is installed in the loan card issuer. Therefore, the user can withdraw the required amount using the automatic cash dispenser immediately after issuing the loan-only card, or deposit the cash for repayment of the loan amount. In order for a loan exclusive card issuing device to have an automatic cash dispenser, the main server must be connected to a bank common network and provide services such as cash withdrawal.

An exemplary view of a loan-only card issuing apparatus according to an embodiment of the present invention is shown in FIG. Box-shaped main body network server 300, display unit 302, image camera 304, scanner 306, keyboard 308, mouse 310, light pen 312, microphone 314, speaker 316, the printer 318, the fingerprint reader 320, the card issuer 322, and the automatic cash dispenser 324 can be seen. 4 is a view for explaining an embodiment of a loan-only card issued by the loan-only card issuing apparatus according to the present invention. The card number and user's name are printed on the bottom of the card using the card issuing unit's encoder, embosser, card printer and dispenser, and a magnetic strip is attached to the back of the card to record information on the card usage.

Hereinafter, a loan method using a loan-only card issuing apparatus will be described.

5 is a flow chart for explaining a loan method using a loan-only card issuing apparatus according to a preferred embodiment of the present invention, when a user applies for a loan, the steps of issuing a loan-only card through a loan examination (step 500) To step 516).

First, a new contract application is input from a user through an information input unit of a loan-only card issuing device (operation 500). The application of the new contract is initially made by the user using the above-described keyboard, mouse, or light pen if the display unit 102 displays a screen related to the application of the new contract. When the user applies for a new contract, the network server 100 of the issuing device of the loan-only card is connected to the main server 210 of the remote place. In addition, the display unit 102 displays contents explaining the use of the terms and conditions of the loan-only card and requires the user to agree to the terms and conditions and the use of the personal details (step 502). Alternatively, if the user is issued by stealing another person's name, or if the loan broker uses the loan-only card for illegal purposes, the user may indicate that he / she may be punished in civil and criminal terms, and request consent. The user may agree to the agreement displayed through the display unit 102 using the above-described keyboard, mouse, or light pen.

If the user agrees, the display 102 displays a screen relating to the input of the personal identification information (step 504). For example, the user's name, social security number, mobile phone number, credit card number and password, bank account number and password may be required to be input. The input of the personal image information may use the information input unit 108, but may also use the scanner 106 or the image camera 104. That is, an ID such as a resident registration card or a driver's license may be directly input using the scanner 106, or the image camera 104 may directly photograph the face of the user. When such personal image information is input through the image camera 104, the scanner 106, and the information input unit 108, the personal image information is transmitted to the main server 210 of the remote place through the network server 100. Then, the main server connects to various information provider servers 220 to 226 and checks whether the transmitted personal identification information is correct information. For example, access to the personal credit information source 220 or the like to check the name and social security number, or access the server 222 of the mobile phone service provider to check whether the mobile phone number and the user name match, or the server of the credit card company 224 ), You can check if your credit card number, password, and user name match. At this time, identity verification can be done using web scraping method. The web scraping method uses a service, such as information search, provided through an Internet site on a server of an institution that provides information. In other words, it transmits information about a user to a server of another institution by using a specific program, scraps a web page on which a result is displayed, and receives a result, also called screen scraping. Such personally identifiable information may be stored in a database of the main server.

When identity verification using the personal identification information is made (step 506), information about the loan examination is then input through the information input unit (step 508). The information about the loan screening may be information on the user's family composition, marital status, job name, job title, income classification, bank account number, annual property tax, and employment insurance. The loan screening information may be input to the network server 100. It is transmitted to the main server 210 through, the main server determines the loan availability and the loan limit based on a pre-programmed loan screening program. At this time, the main server can perform the automatic credit examination using the input loan examination information, the main server can query the information on the use of other financial institutions of the user through a server such as the Korea Credit Information Institute or the Bank Federation. If it is determined that the loan is possible, the loan limit and the interest rate are determined through the loan screening, and it is transmitted to the network server 100 and notified to the user through the display unit 102 (step 512). That is, the display unit of the loan-only card issuing apparatus describes the contents of the contract to the user regarding the loan limit, the settlement date, the settlement method, the interest calculation method, and the like. If it is determined that the loan is impossible, the user is notified of this and the loan process is terminated. Information about the reason for which the loan is impossible and the user may be recorded in the database of the main server 210.

Subsequently, the password of the loan-only card and the fingerprint of the user are received through the information input unit 108 and the fingerprint reader 110 (step 514). This is to prevent the loan-only card from being stolen by others when the user inputs a password when the user withdraws the loan through the cash dispenser of the bank or the cash dispenser of the loan-only card issuing device according to the present invention. In addition, the input fingerprint of the user is stored in the database of the main server 210 through the network server 100 serves to ensure the stability of the unmanned loan system through the loan-only card issuing device.

When the password and fingerprint of the loan-only card are input, the loan-only card is issued to the user through the card issuing unit of the loan-only card issuing device (step 516). In addition, a copy of the contract printed with the contract relating to the loan card is discharged through the printer.

If an error occurs during the loan process using the loan-only card issuing device, or when the user requests a face-to-face consultation, a video interview using a video camera, a microphone, and a speaker may be performed. The video interview is conducted between the user who uses the loan-only card issuing device and the employee of the lending institution in the remote area where the main server is located.

As described above, the loan-only card issuing device and the loan method using the same according to the present invention can be easily used by anyone through the unmanned issuing device without preparing a loan agreement, thereby simplifying the procedure of the loan process, Since the screening and issuance of loan-only cards are processed in real time in a batch, the loan service can be speeded up. In addition, lenders can operate the unmanned stores equipped with a loan card issuer to reduce the cost of hiring borrowers, and verify customer credit information through identity verification using the image transfer function of the loan card issuer. There is an effect that can minimize the inflow of bad customers.

As mentioned above, although preferred embodiment of this invention was described in detail, this invention is not limited to the said embodiment, A various deformation | transformation by a person of ordinary skill in the art within the scope of the technical idea of this invention is carried out. This is possible.

Claims (12)

In the issuing device of a loan-only card that can withdraw and repay loans within the loan limit, A network server for transmitting and receiving data for issuing a loan-only card from a remote main server; A display unit configured to receive information input from a user and information received from the main server from the network server and display the received information to the user; An image camera which photographs a face of the user and transmits the image to the network server to confirm whether the user is present; A scanner for scanning an identification card for identification of a user and transmitting the identification card to the network server; An information input unit which receives a loan application, personal identification information and loan examination information from a user and transmits it to the network server; A fingerprint reader that recognizes a user's fingerprint and transmits the fingerprint to the network server; And And a card issuing unit connected to the network server and issuing a loan-only card whose limit is determined through examination. According to claim 1, wherein the loan-only card issuing device Loan dedicated card issuing device, characterized in that it further comprises a microphone and speaker for conducting an image interview with the user using the image camera. According to claim 1, wherein the loan-only card issuing device Loan-only card issuing device, characterized in that it further comprises a printer for printing information necessary for the user associated with the loan-only card issuance. The method of claim 1, wherein the information input unit Loan dedicated card issuing device, characterized in that the keyboard, mouse and / or light pen. The method of claim 1, wherein the card issuing unit Loan dedicated card issuing device comprising an encoder, an embosser, a card printer and a dispenser. According to claim 1, wherein the loan-only card issuing device Loan-only card issuing device, characterized in that it further comprises a cash automatic payment unit that can withdraw cash using the issued loan-only card. The personal information of claim 1, wherein Loan-only card issuing device, characterized in that it includes the user's name, social security number, mobile phone number, credit card number and password, bank account number and password. The method of claim 1, wherein the loan examination information A loan-only card issuing device, comprising information on the user's family composition, marital status, job name, job title, income classification, bank account number, annual property tax, and employment insurance. Loan-only card issuing device including a display unit connected to a network server, an image camera, a scanner, an information input unit, a fingerprint reader and a card issuing unit, wherein the network server is connected to a main server of a remote place to transmit and receive data for issuing a loan-only card. In the loan method using (a) the information input unit receiving a new contract application of the user; (b) receiving the personal image information from the image camera, the scanner, and the information input unit, and transmitting the information to the main server to confirm whether the user is present; (c) determining whether the loan is possible and the loan limit in the main server when the loan examination information of the user is input through the information input unit; (d) informing the user of whether the loan is possible and the loan limit through the display unit; (e) receiving a password of a loan-only card and a fingerprint of a user through the information input unit and a fingerprint reader; And (f) issuing a loan-only card through the card issuing unit. The method of claim 9, wherein after step (a) Loan method using the loan-only card issuing device, characterized in that further comprising the step of receiving a consent for the use of the terms and personal information of the loan-only card from the user through the information input unit. The personal information of claim 9, wherein Loan method using a loan-only card issuing device, characterized in that the user's name, social security number, mobile number, credit card number and password, bank account number and password. 10. The method of claim 9, wherein the loan examination information Loan method using a loan-only card issuing device, characterized in that it contains information about the user's family composition, marital status, job name, job title, income classification, bank account number, annual property tax and employment insurance.