KR20080070882A - Method for collecting loaned money of banking organ and related apparatus thereof - Google Patents

Abstract

A method and a device for collecting a provided loan in a financial facility are provided to enable a stock company server to offer information to a management server of the financial facility providing the loan to a user to collect the provided loan from the user when an asset status of the user gets worse based on a result comparing a real-time security rate of the users with a reference security rate. A management server(20) is equipped with a data processor(21) and a memory(31) storing a series of instructions. The management server receives cash/stock information of a borrower from a stock company server(30) and calculates a security rate of the borrower based on the received cash/stock information when the instructions are executed. The management server transmits an account cancellation recommendation command to the stock company server to enable the stock company server to transmit the account cancellation recommendation command to a financial facility server(40) through the network when the calculated security rate gets lower than a reference security rate. The management server requests the cash/stock information of the borrower to the stock company server by responding to an inquiry request command received from the financial facility server.

Description

Method for collecting loaned money of banking organ and related apparatus

The detailed description of each drawing is provided in order to provide a thorough understanding of the drawings cited in the detailed description of the invention.

1 is a block diagram illustrating a method and a system for recovering a loan of a financial institution based on a mortgage rate according to an embodiment of the present invention.

2 is a block diagram illustrating a method and a system for recovering loans based on a mortgage rate according to an embodiment of the present invention.

TECHNICAL FIELD The present invention relates to the field of loan recovery of financial institutions, and more particularly, to a method by which a financial institution can easily recover a loan or loan principle based on a mortgage rate, and an apparatus for executing the method.

For investors who do stock trading, except for real estate loans, there is a way to get a loan from a financial institution. The equity mortgage loan provides the stock held by the investor as collateral and receives a loan from the financial institution within the scope of the collateral. Therefore, it is much easier for an investor to sell stocks to raise necessary funds. Equity mortgage loans are low in value because they are economically useful. However, the secured mortgage is a useful loan for large shareholders or executives who do not intend to dispose of the stock and are in urgent need of funds.

In recent years, a form of a mortgage loan that has been transformed around a second financial sector (for example, a name collectively referred to as a financial institution except a first financial sector such as a bank) has appeared. In other words, it is a loan method that enables the stock trading of both the depositor's deposit and the loan from the financial institution under certain constraints (holding security, loss cut, withdrawal restriction).

For example, if a lender has a deposit of $ 10 million (for example, the sum of cash and securities) in the account of the broker, and the loan from the financial institution is up to $ 15 million, the lender will receive a total of $ 25 million. You can trade stocks with funds. However, if the deposit of the lender's account falls below a certain rate (typically 140%) of the loan (or loan principle), the operator (or operating server) managing the lender's stock transaction will receive all the shares held by the lender. The loan is secured by selling all of the lender's holdings (or shares within the limit) through reverse trading on the loan (or shares within the limit needed to recover the loan (or loan principle)).

In the equity mortgage loan according to the modified stock mortgage method as described above, the lender and the financial institution are in the opposite position. In other words, in the lender's particle, the lender wants to borrow more money as his security. Since the loans offered by the lender vary widely during the day, the financial institutions are at a higher risk than the real estate mortgage loans due to the possibility of the bankruptcy of the loans provided by the lenders. Will bear.

Therefore, there is an increasing demand for financial institutions to safely recover loans or principals. In addition, at the present time strengthening the protection of personal financial information, the operator (or operating server) managing the stock transaction of the lender or the securities company trading stock with the lender details all the stock transactions of the lender (or investor). It is difficult to inform the lender of the lender. In addition, the financial institution may not request all the stock transaction details for the lender from the operator (or operating server) or the securities company.

Therefore, at the present time to further strengthen the protection of personal financial information, financial institutions that have provided loans to investors are demanding methods to check the asset status of the investors in a simple manner as soon as possible.

Therefore, the technical problem to be achieved by the present invention is that the assets of the lender based on a comparison result between the lender's mortgage rate and the standard mortgage rate provided by the server of the securities company operating in the legal framework of protection of personal financial information. The present invention provides a method for providing predetermined information so that the borrower can recover the loan to the financial institution that made the loan to the lender and the apparatus for performing the method.

Loan collection method of a financial institution based on the mortgage rate to achieve the technical problem is the operation server receives the lender's cash information and stock information through the server of the securities company; Calculating, by the operation server, the mortgage rate of the borrower based on the received cash information and the received stock information; And when the calculated mortgage ratio is lower than the base mortgage ratio, the operation server sends the account termination request command to the server of the financial institution communicating with the server of the securities company through a communication network. Sending an account termination recommendation command to the server.

The loan collection method of the financial institution based on the mortgage rate is that the operation server requests the lender's server to transfer the cash information and the stock information to the server of the securities company in response to the inquiry request command output from the server of the financial institution. It further comprises a step. The stock information is information on the item of each of the holding stocks, information on the quantity of each holding stock, and information on the price of each holding stock.

The loan collection method of the financial institution based on the mortgage rate may be received by the operation server in response to the request to cancel the account request request for repayment of the loan payment from the server of the financial institution, and the received loan payment repayment request command The method further includes transmitting to a server.

The loan collection method of the financial institution based on the mortgage rate further includes the operation server receiving a loan sent from the server of the securities company and transmitting the received loan to the server of the financial institution.

Mortgage collection method of a financial institution based on the mortgage rate according to an embodiment of the present invention may be written in a program and stored in a computer-readable recording medium.

An apparatus for calculating a coverage ratio according to an embodiment of the present invention includes a data processor and a memory device for storing a series of instructions. When the series of instructions is executed by the data processor, the data processor receives the lender's cash information and stock information through a server of a securities company communicating with the data processor through a communication network, and receives the received cash information and received information. Calculate the mortgage rate of the lender based on the stock information, and if the calculated mortgage rate is lower than the standard mortgage rate, the server of the securities company requests account termination to the server of the financial institution communicating with the server of the securities company through a communication network. Send an account termination recommendation command to the server of the securities company to send the order.

The data processor requests the lender's server to transmit the cash information and the stock information to the server of the securities company in response to the inquiry request command output from the server of the financial institution.

The data processor receives a loan repayment request command sent from the server of the financial institution in response to the account termination request command, and transmits the received loan payment repayment request command to the server of the securities company.

Loan collection method of a financial institution based on the mortgage rate to achieve the technical problem is the operation server receiving the cash information and stock information of the borrower through the server of the securities company; Calculating a mortgage rate for the borrower based on the received cash information and the received stock information; And when the calculated mortgage ratio is lower than the base mortgage ratio, the server of the securities firm is deposited in the lender's first account opened in the securities firm and cash corresponding to the cash information is opened in the financial institution. And sending, by the operation server, a transfer command to the server of the securities company so as to immediately transfer to a second account.

Loan collection method of a financial institution based on the mortgage rate to achieve the technical problem is the operation server receives the lender's cash information and stock information through the server of the securities company; Calculating a mortgage rate for the borrower based on the received cash information and the received stock information; And when the calculated collateral rate is lower than the standard collateral rate, the operation server transmits a transfer command to the server of the securities company, and in response to the transfer command, the lender of the lender established at the securities company output from the server of the securities company. After receiving the cash corresponding to the cash information deposited in the first account, the received cash is transferred to the second account of the lender opened at the financial institution.

In the loan collection method of the financial institution based on the mortgage rate, the operation server requests the lender's server to transmit the cash information and the stock information to the server of the securities company in response to an inquiry request command output from the server of the financial institution. It further comprises a step.

In the loan collection method of the financial institution based on the mortgage rate, the operation server receives a loan repayment request command sent from the server of the financial institution in response to the transfer command, and sends the received loan payment repayment request command to the server of the securities company. The method further comprises the step of transmitting.

An apparatus for calculating a coverage ratio according to an embodiment of the present invention includes a data processor and a memory device for storing a series of instructions. When the series of instructions is executed by the data processor, the data processor monitors the lender's cash information and stock information through a server of a securities company, and the mortgage rate for the lender based on the monitored cash information and stock information. If the calculated mortgage rate is lower than the standard mortgage rate, the server of the securities company is deposited in the lender's first account opened in the securities company and the cash corresponding to the cash information is opened in the financial institution. A transfer order is sent to the server of the securities company so as to immediately transfer to the lender's second account.

In a system in which an operation server, a server of a securities company, and a server of a financial institution communicate with each other through a communication network, a method of recovering a loan of a financial institution based on a mortgage rate calculated by the operating server is controlled by the operation server. Monitoring the cash information and the stock information of the lender through the server of the securities company by the operation server operating in conjunction with the server of the securities company; And calculating, by the operation server, the mortgage rate of the lender based on the monitored cash information and stock information, and transmitting an account termination recommendation command to the server of the securities company when the calculated mortgage rate is lower than the base mortgage rate. A server termination request in response to the account termination recommendation command output from the operation server to a server of the financial institution that the server of the brokerage company communicates with the server of the brokerage company through a communication network. Sending a command.

In order to fully understand the present invention, the operational advantages of the present invention, and the objects achieved by the practice of the present invention, reference should be made to the accompanying drawings which illustrate preferred embodiments of the present invention and the contents described in the accompanying drawings.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Like reference numerals in the drawings denote like elements.

1 is a block diagram illustrating a method and a system for recovering a loan of a financial institution based on a mortgage rate according to an embodiment of the present invention. Referring to FIG. 1, the loan collection system 10 includes an operation server (or a mortgage rate calculating device) 20, a server 30 of a securities company, and a server 40 of a financial institution.

The loan collection system 10 is connected to the server 30 of the securities company to perform a stock transaction, or is connected to the server 30 of the securities company via the operation server 20 to perform a stock transaction The computer 33 can be further provided. Since the borrower's computer 33 has a built-in (or installed) stock trading program (eg, a HTS (home trading system)) capable of trading stocks with a web browser, the lender borrows through the server 30 of the securities company. Stock trading is possible.

The operation server 20 includes a data processor 21 and a memory device 23 connected to the data processor 21. In the memory device 23, a mortgage rate is calculated so that a financial institution can recover a loan on the basis of the mortgage rate according to the embodiment of the present invention, and the account termination recommendation command is based on the calculated mortgage rate and the reference mortgage rate. A series of instructions is stored to execute a program to generate at least one of the opposite trade instructions. The data processor 21 may execute the program.

When the series of instructions stored in the memory device 21 is executed by the data processor 21, the data processor 21 communicates with the data processor 21 via a communication network server 30. Receive (or monitor in real time) at least one of the cash information or stock information of the borrower through (S101).

According to an embodiment of the present invention, the data processor 21 is linked to the server 30 of the securities company, the cash information of the borrower stored in the database 31 or stock information (eg, each of the holding stocks) At least one of a change in information on an item, information on a quantity of each of the stocks held, or information on the current price of the stocks held, etc. may be received (or monitored) (S101). The database 31 may store a ledger of a securities account of a stock trader (or lender). The ledger may store stock transaction details and changes in cash of a stock trader.

In addition, according to another embodiment of the present invention, the data processor 21 is the cash of the lender through the server 30 of the securities company only by a predetermined command (for example, inquiry request command) output from the server 40 of the financial institution. Monitor at least one of fluctuations in information or fluctuations in stock information, calculate a mortgage rate based on the monitoring results, compare the calculated mortgage rate with the reference mortgage rate (or loan collection rate set by the financial institution), An order (eg, an account termination recommendation order or a counter-sale order) according to the comparison result may be transmitted to the server 30 of the securities company. Accordingly, the server 30 of the securities company may transmit an account termination request command to the server 40 of the financial institution in response to the command (eg, an account termination recommendation command) according to the comparison result (S111).

The data processor 21 calculates the mortgage rate of the lender based on at least one of cash information or stock information output from the server 30 of the securities company (or according to the monitoring result) (S103).

The mortgage rate may be, for example, a value obtained by dividing a borrower's asset by a loan principal (or loan principle). Herein, the borrower's asset is the sum of the price of each stock (or the price of each stock after the market closes) and cash, which are identified in real time during the market. The method of calculating the mortgage rate and the method of calculating the asset of the borrower are merely exemplary methods for explaining the method of recovering the loan according to the embodiment of the present invention. The method of calculating investment assets may vary depending on the lending policy of the financial institution.

For example, the lender's deposit (for example, the total cash valuation of each of the securities accounts and cash holdings of the lender's account in a securities company) is 10 million won, the loss cut rate is 15%, and the financial institution's safety ratio is 5%. In this case, an example of a method of calculating a loanable amount (hereinafter referred to as 'loan amount') that a lender can borrow from a financial institution is as follows.

Loanable amount ≤ (((deposit of loan) x (1 / (loss cut ratio + safety ratio))-loan of deposit)) The method of calculating the loanable amount is for convenience of description of embodiments of the present invention. For the sake of clarity, the method of calculating the loanable amount according to the embodiments of the present invention is not limited thereto, and thus the method of calculating the loanable amount may vary according to the lending policy of the financial institution. have.

As an example, depending on how the loan can be calculated, the lender can borrow up to 40 million won from the financial institution. Therefore, lenders can trade up to 50 million won in total, with 10 million won in deposit and 40 million won in loans.

Here, the loss-cut ratio is the total value when the lender operates a stock loaned from a financial institution (e.g., a first financial institution or a second financial institution) as collateral for a deposit (e.g., cash and stock). A negative percentage of deposits (eg, the sum of deposits and loans) means the rate at which all lenders' stocks will be traded against all of the lender's holdings and the loan agreement will be terminated with the financial institution. In addition, the safety ratio means a ratio determined by the financial institution in order to secure sufficient security of the lender.

The data processor 21 compares the calculated collateral rate and the reference collateral rate (S105).

The reference mortgage rate may be, for example, (lending principle + (lending principal × safety ratio)) divided by the loan principal (or a percentage of the value). The reference mortgage rate calculation method is expressed by way of example for convenience of description of the loan recovery method according to the present invention, and the method of calculating the reference mortgage rate according to the embodiments of the present invention is not limited thereto. Therefore, the standard collateral rate is a rate for the financial institution to secure the principle of loan securely, and there may be various methods for calculating the standard collateral rate according to the financial institution's loan policy.

For example, if the calculated mortgage rate is greater than the reference mortgage rate, the data processor 21 does not notify the securities firm's server 30 of a separate command, and calculates the mortgage rate of the lender in real time. At least one of cash information or stock information may be continuously monitored. When the data processor 21 performs steps S103 and S105 in response to the inquiry request command output from the server 40 of the financial institution, the data processor 21 is, for example, good as the server 30 of the securities company. Command transmission signal can be transmitted. In this case, the server 30 of the securities firm may be described as a good command (eg, a loan repayment request command, or good) to the server 40 of the financial institution in response to the good command transmission signal. Command, etc.).

However, if the calculated collateral rate is lower than the standard collateral rate (i.e., the situation of the lender's asset situation is deteriorated so that the financial institution immediately recovers the loan (or loan principle) to the lender), the data processor 21 ) Transmits an account termination recommendation command to the server 30 of the securities company (S107).

According to another embodiment, the account termination recommendation command may be notified directly to the server 40 of the financial institution. In this case, when the server 40 of the financial institution outputs a loan repayment request command to the data processor 21 in response to the account termination recommendation command (S113-1), the data processor 21 repays the loan. The request command may be retransmitted to the server 30 of the securities company (S113-2).

For example, the operator of the financial institution or the operation server 20 sets the reference mortgage rate to 110%, the borrower's deposit is 10 million won, and the borrower's operating assets borrowed 40 million won from the financial institution are the data processor 21. ), The collateral rate calculated by the data processor 21 (eg, (4300/4000) * 100 = 107.5%) is lower than the reference collateral rate (eg 110%). Therefore, the data processor 21 transmits an account termination recommendation command to the server 30 of the securities company (S107).

In addition, the data processor 21 issues a counter-trade order instructing the server 30 of the securities company to counter-trade all of the stocks held by the lender (or stocks corresponding to the amount insufficient to repay the loan principle). Can be transmitted (S109). The counter trading order may be transmitted to the server 30 of the securities company immediately after the account termination recommendation command is transmitted or together with the account termination recommendation command (S109).

Therefore, the server 30 of the brokerage company reverses and sells all the stocks of the lender (or the stocks corresponding to the amount insufficient to repay the loan principle) in response to the counter-sale order.

The server 30 of the securities company transmits an account termination request command to the server 40 of the financial institution communicating with the server 30 of the securities company through a communication network in response to the account termination recommendation command (S111).

Therefore, the server 40 of the financial institution transmits a loan repayment request command to at least one of the data processor 21 or the server 30 of the securities company in response to the account termination request command (S113-1 and S113-3). ). The data processor 21 may transmit the received loan payment request command to a server 30 of a securities company (S113-2).

The financial institution may set a special contract to immediately repay the loan when an account termination request command is issued from the server 30 of the securities company to the financial institution or the server 40 of the financial institution at the time of the loan contract with the lender. Can be.

Therefore, the financial institution or the server 40 of the financial institution may be notified through the server 30 of the securities company in real time when the mortgage rate calculated by the operation server 20 is lower than the standard collateral rate. Therefore, the financial institution or server 40 of the financial institution has the effect of quickly recognizing the loan collection situation without being notified of all the details of the purchase and sale of the lender within the legal framework of personal financial information protection.

In addition, when the server 40 of the financial institution or the financial institution wants to know the mortgage rate of the lender (or whether or not to generate a loan repayment request command), and outputs an inquiry request command to the operation server 20 (S100-). 1), the data processor 21 transmits the lender's cash information and stock information to the server 30 of the securities company in response to the inquiry request command (S100-2). The server 30 of the brokerage firm outputs the cash information and the stock information of the lender to the data processor 21 in response to the transfer request (S101).

Therefore, the server 40 of the financial institution or the financial institution does not need to know all the information on the stock trading situation or the stock purchase situation of the lender, and the securities company in response to the account termination request command output from the server 30 of the securities company. Since it can be transmitted to the server 30 (S113-3), when using the method according to the invention financial institutions from the server 30 of the securities company without having to know the status of all the stock trading of the lender from the operation server 20 The loan repayment request command may be transmitted to the server 30 of the securities company based on the transmitted account cancellation request command. Therefore, financial institutions can effectively recover the loan principle through the loan repayment procedure.

In addition, when all the stocks held by the lender (or the stocks corresponding to the amount insufficient to repay the loan principle) are counter-traded, the server 30 of the securities company operates the loan principle of the counter-trade. 20) or at least one of the servers 40 of the financial institution may be automatically transferred (S115). In this case, the operation server 20 may automatically transfer the received loan principle back to the server 40 of the financial institution.

The financial institution or server 40 of the financial institution may terminate (or terminate) the loan contract with the lender when the loan (or loan principle) is transferred (S117).

2 is a block diagram illustrating a method and a system for recovering loans based on a mortgage rate according to another embodiment of the present invention. Referring to FIG. 2, the loan collection system 100 includes an operation server 50, a server 30 of a securities company, and a server 40 of a financial institution.

The operation server 50 includes a data processor 51 and a memory device 53 connected to the data processor 51. The memory device 53 calculates a mortgage rate so that a financial institution can recover the loan based on the mortgage rate according to an embodiment of the present invention, and transfers or reverses a transaction based on the calculated mortgage rate and the reference mortgage rate. A series of instructions is stored to execute a program for generating at least one of the instructions. The data processor 51 may execute the program.

When the series of instructions stored in the memory device 51 are executed by the data processor 51, the data processor 51 communicates with the data processor 51 via a communication network server 30. Through at least one of the lender's cash information or stock information through the database 31 of (or monitor in real time) (S201).

According to another embodiment of the present invention, the data processor 51 may be configured to access the lender's cash information stored in the database 31 only by a predetermined command (eg, a query request command) output from the server 40 of the financial institution. At least one of fluctuations or fluctuations in stock information may be monitored, a mortgage rate may be calculated based on the monitoring result, and a calculation result (for example, a transfer order and / or a reverse trading order) may be transmitted to the server 30 of the securities company ( S207 and S209). The database 31 may store a securities trader, i.e., a securities account ledger of the lender, which is updated in real time according to the result of the sale of the stock of the lender or according to the price of the shares held by the lender in the market. do.

The data processor 51 calculates the mortgage rate of the lender based on at least one of cash information or stock information outputted from the database 31 of the server 30 of the brokerage firm (or according to the monitoring result). (S203). The data processor 51 compares the calculated collateral rate and the reference collateral rate (S205).

If the present value of the stock in the lender's stock transaction or chapter changes and the calculated mortgage rate becomes lower than the standard mortgage rate (ie, a situation in which a financial institution recovers the loan to the lender immediately), the data processor 51 transmits a transfer command to the server 30 of the securities company (S207).

For example, the operator of the financial institution or the operation server 50 sets the base mortgage rate to 110%, the borrower's deposit is 10 million won, and the customer operating asset of the lender who has borrowed 40 million won from the financial institution is the data processor ( 51, the collateral rate calculated by the data processor 51 (e.g., (4300/4000) * 100 = 107.5%) is lower than the reference collaterality rate (e.g., 110%). Therefore, the data processor 51 transmits a transfer command to the server 30 of the securities company (S207).

In addition, the data processor 51 issues a counter-trade order instructing counter-trade on all the stocks held by the lender of the securities company's server 30 (or stocks corresponding to the amount insufficient to repay the loan principle). Can be transmitted (S209). The counter trading order may be transmitted to the server 30 of the securities company immediately after the transfer order is transmitted or together with the transfer command (S209).

Accordingly, the server 30 of the securities company processes the reverse trading of all the stocks held by the lender (or the stocks corresponding to the amount insufficient for repayment of the loan principle) in response to at least one of the transfer order or counter trading order. do.

The securities firm's server 30 directly deposits the cash (e.g., insufficient cash to repay the loan principle) deposited in the first account of the lender opened in the securities firm in response to the transfer order. Immediately transfer to the second account of the lender opened in (S211), or immediately transfer to the third account of the lender to the operation server 50. The operation server 50 receiving the cash may immediately transfer the cash transferred to the third account to the second account of the lender opened in the financial institution. The third account may be a real account or a virtual account linked to the first account.

Accordingly, the server 40 of the financial institution transfers cash from the lender's first account opened at the securities firm to the second account opened at the financial institution, or from the third account of the operation server 50. If so, the loan repayment request command is transmitted to at least one of the operation server 50 or the server 30 of the securities company (S213-1 and S213-3). The operation server 50 may transmit the received loan payment repayment request command back to the server 30 of the securities company (S213-2). When the financial institution transfers the cash of the lender from the first account of the securities firm to the second account of the financial institution, or when cash is transferred from the third account of the operation server 50, A loan repayment request command may be concluded to transmit at least one of the operation server 50 or the server 30 of the securities company.

Therefore, when cash is automatically transferred from the server 30 of the securities company or the operation server 50 to the server 40 of the financial institution or the financial institution for the first time, the server 40 of the financial institution or the financial institution is the lender. Since the calculated mortgage rate is lower than the base mortgage rate, a procedure (eg, S213-1 or S213-3) for recovering the loan (or loan principle) may be performed while protecting personal financial information.

In addition, the server 40 of the financial institution or the financial institution outputs an inquiry request command to the operation server 50 when the final result (or situation of the securities ledger) of the asset status of the lender is output (S200-1). In response to the inquiry request command, the data processor 51 requests the lender's server 30 to transmit the lender's cash information and stock information (S200-2). The server 30 of the brokerage firm outputs the cash information and the stock information of the lender which are stored in the database 31 and updated in real time in the market in response to the transfer request (S201).

In addition, when all the stocks of the lender (or the stocks corresponding to the amount insufficient to repay the loan principle) are counter-traded on the basis of the counter-purchase order, the server 30 of the securities company is in charge of the counter-trade. The loan principle may be automatically transferred to at least one of the operation server 50 or the server 40 of the financial institution (S215). The operation server 50 may transfer the received loan principle back to the server 40 of the financial institution.

Accordingly, the financial institution or the server 40 of the financial institution does not need to be notified of the details of the lender's stock trading or all matters recorded in the securities account ledger, from the operation server 50, or the server 30 of the securities company or the like. Since the cash transfer can be detected from the operation server 50 and the loan repayment request signal can be output according to the detection result, when the loan repayment method according to the present invention is used, the financial institution securely secures the loan principle under the protection of personal financial information. There is an effect that can be recovered.

Embodiments according to the present invention can be written as a program executable in a computer system. In addition, the corresponding program read out from the computer-readable recording medium recording the program can be executed in the digital computer system. The recording medium includes media such as a magnetic storage medium (eg, a disk), an electronic storage medium (eg, a semiconductor chip, a microprocessor, etc.), and an optical reading medium (eg, a CD-ROM, a DVD).

The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. And functional programs, codes and code segments for implementing the present invention can be easily inferred by programmers in the art to which the present invention belongs.

Although the present invention has been described with reference to one embodiment shown in the drawings, this is merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

As described above, the method of recovering the loan of the financial institution based on the mortgage rate according to the present invention is performed by the securities company without the server of the financial institution notifying the lender of all the stock trading matters or changes of all the securities account ledgers. Based on predetermined data output from the server, for example, an account termination request command or a fact of cash transfer, the lender's mortgage rate is lower than the base mortgage rate.

Therefore, the loan collection method of the financial institution based on the mortgage rate according to the present invention is effective in protecting personal financial information.

In addition, from the lender's point of view, it is possible to secure a large amount of equity funds with little collateral. In addition, the financial institution outputs a loan repayment request command based on a signal output from the server of the securities company, so that the loan can be easily and quickly recovered.

Claims (15)

Receiving, by the operation server, the lender's cash information and stock information through the server of the securities company; Calculating, by the operation server, the mortgage rate of the borrower based on the received cash information and the received stock information; And If the calculated mortgage rate is lower than the base mortgage rate, the server operates the server of the securities company so that the server of the securities company sends an account termination request command to the server of the financial institution communicating with the server of the securities company through a communication network. A method for collecting loans by a financial institution based on a mortgage rate, the method comprising: sending a recommendation for closing the account. The method of claim 1, wherein the loan collection method of the financial institution based on the mortgage rate is Requesting the lender to transfer the lender's cash information and the stock information to the server of the securities company in response to the inquiry request command outputted from the server of the financial institution. Loan Recovery Method. The method of claim 1, wherein the stock information is information on each item of holding stocks, information on the quantity of each holding stock, and information on a price of each holding stock. The method of claim 1, wherein the loan collection method of the financial institution based on the mortgage rate is The operation server receives a loan repayment request command sent from the server of the financial institution in response to the account termination request command, and transmits the received loan payment repayment request command to the server of the securities company. How to recover loans based on financial institutions. The method of claim 4, wherein the loan collection method of the financial institution based on the mortgage rate is And receiving the loan from the server of the securities company and transmitting the received loan to the server of the financial institution. A computer-readable recording medium having recorded thereon a computer program for carrying out the invention according to any one of claims 1 to 5. Data processor; And A memory device for storing a series of instructions, When the series of instructions is executed by the data processor, the data processor receives cash information and stock information of the lender through a server of a securities company communicating with the data processor through a communication network, and receives the received cash information and received information. Calculate the mortgage rate of the lender based on the stock information, and if the calculated mortgage rate is lower than the standard mortgage rate, the server of the securities company requests account termination to the server of the financial institution communicating with the server of the securities company through a communication network. And a security rate calculating device for transmitting an account termination recommendation command to the server of the securities company to transmit an order. The method of claim 7, wherein the data processor, And a mortgage rate calculating device for requesting transmission of the lender's cash information and the stock information to a server of the securities company in response to an inquiry request command output from the server of the financial institution. The method of claim 7, wherein the data processor, And a loan rate repayment request command transmitted from a server of the financial institution in response to the account termination request command, and transmit the received loan payment repayment request command to the server of the securities company. Receiving, by the operation server, the lender's cash information and stock information through the server of the securities company; Calculating a mortgage rate for the borrower based on the received cash information and the received stock information; And When the calculated mortgage rate is lower than the standard mortgage rate, the lender of the lender who has deposited the cash corresponding to the cash information in the lender's first account opened at the securities company and opens the cash institution to the securities company's server. And transferring the transfer order from the operating server to the server of the securities company so as to immediately transfer to the second account. Receiving, by the operation server, the lender's cash information and stock information through the server of the securities company; Calculating a mortgage rate for the borrower based on the received cash information and the received stock information; And If the calculated mortgage rate is lower than the standard mortgage rate, the operation server sends a transfer order to the server of the securities company, and in response to the transfer command, the lender of the lender opened at the securities company output from the server of the securities company. A method of collecting a loan of a financial institution based on a mortgage rate which is deposited in one account and receives cash corresponding to the cash information, and then transfers the received cash to a second account of the lender opened in the financial institution. The method of claim 10 or 11, wherein the loan collection method of the financial institution based on the mortgage rate is Requesting the lender to transmit the cash information and the stock information of the lender to the server of the securities company in response to the inquiry request command outputted from the server of the financial institution. Loan Recovery Method. The method of claim 10, wherein the loan collection method of the financial institution based on the mortgage rate is The operation server receives a loan repayment request command sent from the server of the financial institution in response to the transfer command, and transmits the received loan payment repayment request command to the server of the securities company. How an institution collects loans. Data processor; And A memory device for storing a series of instructions, When the series of instructions is executed by the data processor, the data processor monitors the lender's cash information and stock information through a server of a securities company, and the mortgage rate for the lender based on the monitored cash information and stock information. If the calculated mortgage rate is lower than the standard mortgage rate, the server of the securities company is deposited in the lender's first account opened in the securities company and the cash corresponding to the cash information is opened in the financial institution. The mortgage rate calculation device for transmitting a transfer order to the server of the securities company so as to immediately transfer to the lender's second account. In a system in which an operating server, a server of a securities company, and a server of a financial institution communicate through a communication network, the method of recovering a loan of a financial institution based on a mortgage rate calculated by the operating server, Under the control of the operational server, Monitoring the lender's cash information and stock information through the server of the securities company by the operation server operating in conjunction with the server of the securities company; And And calculating, by the operation server, the mortgage rate of the lender based on the monitored cash information and stock information, and sending an account termination recommendation command to the server of the securities company when the calculated mortgage rate is lower than the standard mortgage rate. , Under the control of the server of the securities company, A server based on the mortgage rate, wherein the server of the securities company transmits an account termination request command in response to the account termination recommendation command output from the operation server to a server of the financial institution communicating with the server of the securities company through a communication network. How financial institutions recover loans.

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