KR20050024018A - A method for remote agreement of landing using a base on VAN terminal and ID card - Google Patents

Abstract

PURPOSE: A method for remote agreement of lending are provided to improve security of lending agreement by using an ID card and to enhance user convenience by using popular VAN(Value Added Network) terminals. CONSTITUTION: A user is registered to a service provider. An ID card having an embedded authentication key is issued to the user. A VAN terminal(10) requests remote authentication process to the service provided by using the ID card. Remote authentication request information is acknowledged by the service provider and an authentication request is transmitted to the user by using SMS(Short Messaging Service). The user monitors application history via the VAN terminal and performs remote authentication by using the VAN terminal. When authenticated, the service provider provides corresponding services.

Description

A method for remote agreement of landing using a base on VAN terminal and ID card}

The present invention relates to a remote approval for authenticating using a VAN-based terminal and an identification card, and in particular, allows a member who is difficult to travel to and from a user institution to request and approve a transaction remotely without visiting the user organization. The present invention relates to a remote approval and a remote loan approval method for authenticating using a VAN-based terminal and an identification card.

In general lending service, if a loan applicant requests a transaction directly through the window or branch of the user institution and the approval of another member such as a guarantor is required, the relevant person also visits the window or branch of the user institution and confirms himself. It has been done in a way that is sealed.

However, if the person providing the guarantee is located in a remote location and the visitor's visit is difficult for business reasons, there are various difficulties, such as a delay in the transaction, which causes a delay in the transaction.

If you apply for and approve a transaction using a public certificate on the Internet, you can store the public certificate on hard disks, floppy disks, and USB keys, but you can use it for members who are not familiar with the Internet. It is true.

An object of the present invention is to provide a remote loan approval method for authenticating using a VAN-based terminal and an identification card.

An object of the present invention is to enable a user to apply for a loan through a VAN terminal without directly visiting a user institution such as a financial institution for a loan application.

In addition, an object of the present invention, when a third party guarantee is required when applying for a loan is to enable a third party to provide a remote authorization through the VAN terminal without visiting the financial institution directly.

In addition, the present invention is to remotely approve the warranty of the employer or a third party when the loan between the employer and employees using the remote approval using the VAN terminal as described above and to be able to process it in a financial institution.

In addition, in the remote approval method as described above, when there is a person who guarantees the advance loan, it is to notify the person who has the advance guarantee at the time of the new loan so that the approval can be processed.

The present invention is to provide a remote loan application and authorization method using a card having a personal identification and authentication function (hereinafter referred to as "identification card") built-in or associated with a VAN-based terminal and a certification authority authentication key.

Means for achieving the present invention, by issuing an identification card for a remote authorization loan from the user institution, and the loan application and remote approval by the identification card recognition to the VAN terminal with the existing credit inquiry / approval function and banking function By installing the application program, if the identification code of the user organization is found in the information transmitted from the VAN network by interworking between the server of the VAN company and the user organization, it passes to the user organization to authenticate and apply for the member's identity on the user's server. Process and store data such as approvals.

In order to put these services into practical use, VAN terminal inputs the transaction application details required by the user organization, and if the member's approval is required, the server of the user institution is notified by SMS (Short Messaging Service), and the member can authenticate his / her own signature By using the identification card that can be used to process the approval in the VAN terminal so that the remote approval can be obtained without the restriction of distance or time.

The present invention, in the method of installing the application for the loan and remote authorization service by recognizing the identification card on the server of the VAN terminal and the user institution, and issue the identification card to the members to process the remote loan and authorization service ,

A subscription process in which a loan applicant and clients for using a loan approval service join a remote loan and its approval service member to a server of a user based on their financial transaction information;

An identification card issuing process for the server of the user organization issuing and providing an identification card which stores predetermined authentication information to allow the members to receive a remote loan and approval service using a VAN terminal;

After the member recognizes the identification card to the VAN terminal by using a VAN terminal installed with an application program for accessing the user institution server through the VAN network to receive a remote loan and approval service. Applying for a loan service to the user institution;

If the server of the user institution that received the loan application using the identification card from the VAN terminal guides the loan application and needs a third party guarantee for the loan approval, the third party grants the loan to the third party using SMS (Short Messaging Service). An approval request process informing the request;

Loan approval process for the member receiving the SMS to look up the loan application history in the VAN terminal based on the received receipt number and determine whether to approve the loan application;

Based on the loan approval, the user institution server recognizes this and performs a loan process for providing a remote loan service to a loan service applicant.

In addition, another object of the present invention,

When an employee wants to get a loan from a financial institution, he / she secures the loan of the representative of the employer where he works.

Employees and employers to open an account with a financial institution in connection with the loan system and obtain an identification card;

Inputting the loan history and the security provider's member number through the VAN terminal in the business establishment and registering with the server of the financial institution, and the server automatically generating a reception number;

The server of the financial institution searches the member's mobile number with the member number uploaded when applying for the loan, and the mobile phone number of the mortgage provider of the loan applicant or the subrogator, and notifies the receipt number using SMS (Short Messaging Service) and requests approval. Process;

The member receiving the SMS checks the loan application details at the VAN terminal and receives the received number received by the mobile phone and determines whether to approve it.

If the financial institution has approved all of the related parties, notify the related person of the result again and make a loan;

When a financial institution performs a loan, repaying the expected withdrawal and the credit payment, if there is an expected withdrawal or credit payment of the loan applicant, and depositing the difference into the applicant's account;

If the lender fails to repay the loan, the financial institution includes the process of repaying the credit to the mortgage's periodic deposit after a certain period of time and notifying the server of the financial institution of the credit.

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

1 is a schematic diagram of a remote approval system for authenticating using a VAN-based terminal and an identification card according to the present invention.

As shown here, the VAN-based remote approval system includes a user agency server 30, VAN company 20, VAN terminal 10, identification card,

The user institution server 30 is a device for performing the pivotal functions of the present invention, and automatically generates an application registration number for confirming the transaction application details, and if there is a member requiring approval, the transaction information included in the transaction application details is included. Inquiries on the mobile phone number from the member information registered at the time of membership registration request for approval through SMS (Short Messaging Service), and is responsible for notifying the approval result.

VAN company 20 is responsible for sending information coming from the VAN terminal to the user, and transmits information coming from the user to the VAN terminal.

VAN terminal 10 prints the registration number and transaction application sent from the server by the transaction history inquiry, the registration number transmitted through SMS (Short Messaging Service) to the equipment necessary to inquire and approve in the VAN terminal Belongs.

The identification card is used as a method for enhancing security while having a legal effect on the remote approval pursued by the present invention.

The VAN terminal 10 is equipped with an application that recognizes the identification card for the remote loan switch service according to the present invention in the VAN terminal that can perform the normal credit card authorization and payment processing, accesses the user institution and processes the same. It is composed.

Value-added communication network (VAN company) 20 connects the data of the remote loan approval service information by the identification card from the information uploaded by the VAN terminal 10 to the server 30 of the user organization urgently for the corresponding identification card Connect to a remote loan approval service.

User institution server 30 is a conventional financial institution server, the membership of the member wants a remote loan approval service using the VAN terminal 10 and issues the identification card of each member, recognizes the loan application by the identification card and In addition to the guide is installed an application for requesting a remote authorization using the SMS service, the information of each member and identification cards are stored and managed in the member DB (31).

2 is a view illustrating an identification card issuance of a remote loan approval service for authenticating using a VAN-based terminal and an identification card according to the present invention;

In the case of the first member registration, when the application is received by the user organization, the user organization inputs the member's information to the server. When the information is sent to the SMS (Short Messaging Service), the member's mobile number must be retrieved, so accurate information must be entered. After the membership is completed, the member applies for certificate issuance at the registrar and the certificate is applied at the registrar.

When the certification body issues a certificate to the registrar, the registrar includes the certificate on the identification card and issues the identification card to the applicant.

In other words, when a user fills out a membership application form in the user organization and joins the membership, the user organization stores member information in the member DB and applies for certificate issuance. The certificate registrar applies for issuance of the certificate to the certification authority by applying for certificate issuance of the user institution, issues the certificate from the certification authority, registers it at the certificate registrar, and issues the identification card by embedding the certificate in the member's identification card To the user.

Here, the certification body refers to a certification body such as a national accredited certification body or a financial settlement agency. The certification body generates an authentication key for the user based on the information of the users and provides the certification key to be embedded in the identification card. In addition, in the present invention, the certificate registrar is the same as the user institution, and the certificate registrar is provided with the user by embedding the contents of the certificate generated by the certificate authority in the identification card. It means 'certificate registration server' of 'bank'. In this case, the certification body may be the 'Financial Clearinghouse'.

In this way, the identification card issued to each member (user) provides an identification card with a certificate authenticated by the certification authority at the request of the user institution 30, so that the identification card is identified at the time of remote loan approval service using the identification card. By authenticating the identification card with a certificate embedded in the card, this is notarized to the certificate authority and the certificate registrar to have a legal effect such as a seal seal.

3 is a remote loan approval flowchart for authenticating using a VAN-based terminal and an identification card according to the present invention.

If the first member applies for membership to the user organization, check whether the identification card exists. If not, apply for issuance of a certificate to the registrar and the member registration is completed. After entering the member number of the member to be approved, the server of the user organization automatically generates an application registration number for the transaction application details and sends it to the VAN terminal for printing the transaction application details and the application registration number, and the server requests the transaction. When the mobile phone number is searched by the member number of the member who wants to be approved, the application registration number is notified using SMS (Short Messaging Service) to the member who wants to be approved. If you want to approve after checking the contents and confirming the contents, And to approve ilhyeoseo identification card.

Therefore, the loan applicant and the client for using the loan approval service perform a subscription process of joining the remote loan and its approval service member to the server of the user based on the financial transaction information thereof. It is determined whether or not to operate the VAN terminal, in order to receive the service of the present invention (S1). If you are not a member, register as a member of the relevant user institution.

Then, since the service is processed by the recognition of the identification card, it is determined whether the identification card is input (S2). If there is no identification card, the identification card with a certificate is issued by the procedure shown in FIG. That is, the server of the user organization performs an identification card issuing process for issuing and providing an identification card storing predetermined authentication information to allow the members to receive a remote loan and approval service using a VAN terminal. The identification card is issued by embedding the authentication key of the certification authority in the identification card through the procedure as shown in FIG. 2.

In this way, the user who received the membership registration and identification card in the user organization registers the application for the remote loan application service using the VAN terminal (S3). The member recognizes the identification card to the VAN terminal using a VAN terminal installed with an application program for accessing the user institution server through the VAN network to receive a remote loan and approval service. After that, the loan service is applied to the relevant institution.

In addition, if the server of the user institution that received the loan application using the identification card from the VAN terminal guides the loan application and needs a third party guarantee for the loan approval, the SMS is provided to the third party using SMS (Short Messaging Service). Perform the approval request process informing the loan approval request. It outputs the application information and registration number of the VAN terminal (S4), inquires the relevant information (S5), and makes an SMS notification request for approval (S6).

The member who receives the SMS performs a loan approval process to check the loan application details on the VAN terminal based on the received reception number and confirm the approval after checking the loan application. The registration number is inquired using the VAN terminal (S7). In this case, the approval / deny (S8) is determined and input through the VAN terminal.

If there is a loan approval (S9), the user institution server recognizes it, provides a loan service applicant to the remote loan service, and notifies the person concerned of the result (S10) performs a loan process.

As described above, the present invention can receive a remote loan and a remote approval service using an identification card issued by a VAN terminal and a user institution. .

Figure 4 is a schematic diagram showing another embodiment of a remote authorization method using a VAN terminal according to the present invention, Figure 5 is a flow chart of a remote authorization method using a VAN terminal according to the present invention.

As shown in this, the business owner 101, the employee 102 and the mortgage provider / subrogator 104 is opened to the financial institution 103 and issued an identification card.

The business owner 101 receives the SMS notification along with the receipt number from the financial institution 103 and receives the SMS notification with the receipt number. You will be notified.

Employee 102, the VAN terminal can look up the loan history, and through the VAN terminal to apply for the loan application / mortgage information to the third party loan, l financial institutions (103) Receive SMS notification from the receipt number, and receive approval approval, and after approval through VAN terminal, and receives the approval result.

In addition, when applying for a loan service, the financial institution 130 registers with a server, generates a reception number, and requests an approval from the security provider through SMS. If the approval is rejected, request for re-approval, and withdraw the expectation by creating a security deposit account. Make the situation of counterpayment.

If the security provider / subrogation transformer 104 has a request for approval by the receipt number and the SMS notification, and approved through the VAM terminal and receives the approval result.

That is, in another embodiment of the present invention, if the user is expected to request, the mortgage lender and the creditor will be asked to approve the new loan application, and if there is no approval, the approval of the new loan can be refused. Will be.

As shown in Figures 4 and 5, the financial institution 103 performs a service processing by using the communication between the system operation server and the VAN terminal period, the VAN company 105 transmits the information of the VAN terminal to the rapid supply engine 103. And interface. The secured provider 101 (owner) opens an account with a financial institution, receives an identification card of the financial institution, and performs an approval process using a VAN terminal. Jongwon Won 102 opens an account with a financial institution, receives an identification card from the financial institution, and processes a loan application using a VAN terminal. The mortgage provider 104 refers to a person who provided collateral for a loan previously applied by a loan applicant, and opens a financial institution account and is issued an identification card, and performs an inquiry and approval process using a VAN terminal.

When the employee 102 inquires the loan history using the VAN terminal, the VAN company 105 transmits the loan history to the financial institution to the VAN terminal which the employee 102 inquires to output it on the screen and the paper. Employee 102 is collateral (contract with the public offering 101, and after entering the loan application details and collateral provider information, received by the financial institution 103 through the VAN company 105, financial institution 103 Register a loan application at.

The financial institution checks the loan application number, and sends the loan application and reception number to the VAN terminal that applied for the loan through the VAN company 105 to check the loan application history.

In addition, the financial institution 9103 may query the loan history and the loan repayment details, check the information on the collateral provider and the creditors, and request an approval using SMS. In other words, the secured provider 101, the loan applicant (Kwonwon) 102, and the mortgage provider 104 to notify the receipt number. Accordingly, each VAN terminal is used to determine whether to approve after checking the loan details, and the financial institution 103 notifies each of the approval results through SMS again.

After the approval is made, a loan is made, a request for repayment of the expected withdrawal is made, and if there is a factual payment, the payment of the credit payment is processed and the difference is deposited to terminate the loan.

 That is, according to another embodiment of the present invention, new loans are notified to the mortgage provider by approval of the loan application.

As shown in Figure 6, open an account and issued an identification card to a financial institution, and agree to the terms of remote approval using the VAN terminal. The employer will automatically create a fixed deposit account for the amount of the deposit in the deposit and withdrawal account when the deposit is secured, and if the loan / credit payment is repaid, the deposit will be terminated after the deposit is made to the deposit and withdrawal account.

The identification card is read from the VAN terminal, and the password is entered and the loan history is entered / inquired. At the VAN terminal, you apply for a mortgage secured loan and enter the security provider's membership number. Application history registration, receipt number automatic generation, mortgage provider / subrogation transformer, security provider, loan requester notifies the receipt number and loan application details by SMS and requests for approval, and the member who has received SMS notification has the loan application details at the VAN terminal. Determine whether to approve after inquiry.

In case of denial of approval, a request for re-approval, notice of approval result, creation of a periodic deposit account of the collateral provider, loan to the employee, deposit of the employee's expected withdrawal and preferential repayment will be deposited in the employee's account.

Since the present invention uses a VAN terminal that is widely used as a VAN-based remote approval system, as described above, anyone can easily access it and can be authorized even when the user is far away from the user. The signature can be more stable.

In addition, the present invention has an effect that can be remotely approved without having to visit a financial institution directly by the employer to ensure the guarantee and the employee to apply for a loan to the remote approval process using the VAN terminal.

1 is a schematic diagram of a remote approval system for authenticating using a VAN-based terminal and an identification card according to the present invention;

2 is a view illustrating an identification card issuance of a remote loan approval service for authenticating using a VAN-based terminal and an identification card according to the present invention.

3 is a remote loan approval flow chart for authenticating using a VAN-based terminal and an identification card according to the present invention.

Figure 4 is a schematic diagram showing another embodiment of a remote approval method using a VAN terminal according to the present invention

5 is a procedure of a remote approval method using a VAN terminal according to the present invention

6 is a remote loan approval flowchart for authenticating using a VAN-based terminal and an identification card according to another embodiment of the present invention.

Claims (5)

Signing up with a user institution and issuing an identification card with a built-in authentication key; Making a request for remote approval to the user organization through the VAN terminal using the identification card; Checking the remote approval request information at the user institution and requesting the member to approve the mobile phone short messaging service to the corresponding member; Receiving a request for approval by SMS, checking the application details through the VAN terminal, and remotely approving through the VAN terminal; When the remote approval is made through the VAN terminal, a remote approval method for authenticating by using a VAN-based terminal and an identification card, characterized in that the user organization performs the service to the applicant. The method of claim 1, wherein the identification card, VAN-based terminal and identification card, characterized in that the authentication key is authenticated by the authorized certification authority and embedded in the member's individual identification card has the effect of notarized by the authentication of the identification card when the member's remote approval. Remote authorization method using authentication. Recognizing the identification card on the server of the VAN terminal and the user institution to install the application for the loan and remote authorization service, and issue the identification card to the members to handle the remote loan and authorization service, A subscription process in which a loan applicant and clients for using a loan approval service join a remote loan and its approval service member to a server of a user based on their financial transaction information; An identification card issuing process for the server of the user organization issuing and providing an identification card which stores predetermined authentication information to allow the members to receive a remote loan and approval service using a VAN terminal; After the member recognizes the identification card to the VAN terminal by using a VAN terminal installed with an application program for accessing the user institution server through the VAN network to receive a remote loan and approval service. Applying for a loan service to the user institution; If the server of the user institution that received the loan application using the identification card from the VAN terminal guides the loan application and needs a third party guarantee for the loan approval, the third party grants the loan to the third party using SMS (Short Messaging Service). An approval request process informing the request; Loan approval process for the member receiving the SMS to look up the loan application history in the VAN terminal based on the received receipt number and determine whether to approve the loan application; Remote loan approval method for authenticating by using the VAN-based terminal and the identification card, characterized in that the user agency server recognizes this based on the loan approval to perform a loan process to provide a remote loan service to the loan service applicant. The method of claim 3, wherein The approval request process, if the loan applicant has a pre-payment, also request the approval from the collateral provider that has secured and guaranteed the expected expectations, VAN, characterized in that the new loan must be approved only by the approval of the collateral provider Remote loan approval method to authenticate using a terminal based on the identification card. When an employee wants to get a loan from a financial institution, he / she secures the loan of the representative of the employer where he works. Employees and employers to open an account with a financial institution in connection with the loan system and obtain an identification card; Inputting the loan history and the security provider's member number through the VAN terminal in the business establishment and registering with the server of the financial institution, and the server automatically generating a reception number; The server of the financial institution searches the member's mobile number with the member number uploaded when applying for the loan, and the mobile phone number of the mortgage provider of the loan applicant or the subrogator, and notifies the receipt number using SMS (Short Messaging Service) and requests approval. Process; The member receiving the SMS checks the loan application details at the VAN terminal and receives the received number received by the mobile phone and determines whether to approve it. If the financial institution has approved all of the related parties, notify the related person of the result again and make a loan; When a financial institution performs a loan, repaying the expected withdrawal and the credit payment, if there is an expected withdrawal or credit payment of the loan applicant, and depositing the difference into the applicant's account; If the lender fails to repay the loan, the financial institution identifies the VAN-based terminal and the terminal after the period of time has elapsed. Remote loan authorization method of authenticating using a card.