KR20090000821A - The system for managing a loaning business which takes a online auction method - Google Patents

Abstract

A loaning transactions operating system is provided to obtain the optimum benefit of corresponding to desire in both a borrower and a loaner taking part in a online auction of the loaning transactions. A loaning transactions operating system comprises: an auction type loaning transactions operation module(101) for managing the loaning transactions procedure to select a specific LA as a loaner loaning to a specific BA as a borrower; a loaning petition administration module(120) for registering the BA loaning petition case with an auction item; a bidding participation administration module(200) for registering LA part with a participation bid for the loaning petition case of BA; and an winning bid LA selection module(220) for selecting at lease one or more LA as a successful bidder who actually implement the transactions procedure to be suitable for the BA designated condition.

Description

The system for managing a loaning business which takes a online auction method}

1 is an exemplary diagram conceptually illustrating an online loan execution procedure according to the prior art.

Figure 2 is an illustration conceptually showing a loan transaction management system of the online short selling method according to the present invention.

3 is an exemplary diagram conceptually showing a publication state of a service page according to the present invention.

4A and 4B are conceptual diagrams conceptually showing a loan transaction operating procedure of an online short selling method according to the present invention.

5 is an exemplary view conceptually showing the function performance of the bid preparation module according to the present invention.

6 is an exemplary diagram conceptually showing a detailed configuration of the LA bid participation management module according to the present invention.

7 is an exemplary diagram conceptually showing a detailed configuration of a successful bid LA selection module according to the present invention.

8 is an exemplary diagram conceptually showing the function performance of the successful bid LA selection module according to the present invention.

Figure 9 is an illustration showing the concept of the performance of the loan payment management module according to the present invention.

Figure 10 is an exemplary diagram conceptually showing the performance of the loan repayment management module according to the present invention.

11 is an exemplary diagram conceptually showing the detailed configuration of the LA automatic bid management module according to the present invention.

12 is an exemplary diagram conceptually showing a detailed configuration of the loan repayment schedule change guide module according to the present invention.

Figure 13 is an exemplary diagram conceptually showing a detailed configuration of a high profit LA linked bid management module according to the present invention.

The present invention relates to an online short selling loan management system, and more particularly, a series of online loan execution procedures are defined by <Loaning Applicant (LA) (hereinafter referred to as "LA"). Loaning money Borrowing Applicant (BA) The Loaning Money Borrowing Applicant (hereinafter referred to as "BA") is a direct lending transaction for BAs and LAs of individual status. By allowing a new concept of a short-selling mechanism to be established, LA and BA, who participated in the online short-selling of loan transactions, can freely escape various problems and obtain the best interests corresponding to their needs. The present invention relates to an online short trading loan management system that can lead to effective enjoyment.

In recent years, as the economy grows rapidly, the demand for BAs to use their lenders to raise their own funds is also increasing rapidly. Online loan enforcement system has been widely developed and opened.

Usually, under such an online loan execution system according to the prior art, as shown in FIG. 1, a BA wishing to borrow a loan is connected to an online network 2 through a BA client 1, and the loan company After logging in to the loan execution system 3 belonging to (D: for example, a financial institution), a series of loan procedures desired by the loan execution system 3 are performed according to the guidance process of the loan execution system 3.

In this case, the loan execution system (or the loan company) examines the BA's loan requirements tightly in accordance with a series of review criteria set by the company, and then executes the loan execution history (e.g., the loan amount). , Loan interest rate, repayment schedule, etc.) will be presented to the BA client (1), and if the BA agrees, a full loan procedure such as depositing the loan to BA will be carried out.

Of course, under such a conventional online loan enforcement system, most of the accumulated loans held by the lender (D) are the assets of many general deposit and deposit subscribers who have deposit / storage, etc. on the lender (D). Will depend on.

However, the general deposit and saving subscribers are in the form of deposits / savings with the loan company (D), and despite the substantial contribution to the loan company (D) holding and executing loans, a series of loan execution procedures Only for the minor reason of not directly involved, they can only receive a small amount of deposit and deposit interest due to deposit / storage, and the large amount of loan-related interest cannot be received at all. As a result, the economic loss of tangible and intangible will be forced to bear.

In addition, under the conventional online loan enforcement system, as mentioned in the foregoing, the lender (D) examines BA tightly according to the uniform examination criteria set by the company, and then a series of corresponding loan executions ( For example, because the company adheres to the method of unilaterally presenting loan amount, loan interest rate, repayment schedule, etc., the BA is forced to accept the loan execution history of the loan company (D) without any negotiation. It is often forced to be placed in an unfavorable position, and consequently, tangible and intangible economic losses, such as the loss of having to pay expensive fees due to the loan examination, the loan inquiry record remain on the computer, and later, the other loan system Use may result in penalties, loss of credit rating or loss of loan at all It is forced to take his intact the desired amount of loan losses that may be a lot more money than necessary, and loss given loan amount is much more than their lack of necessary amount.

Moreover, under the conventional system, the loan execution relationship is basically established between the large company loan company (D) and the numerous BAs of personal status, and on the loan company (D) side, each of the BAs that have a loan relationship with the company. Since it is very difficult to consider personal circumstances in reality, BA will have no choice but to tightly proceed with a series of loan repayment procedures in accordance with the established repayment schedule. During the loan execution period, even if there is a desire to adjust the repayment schedule such as interest rate adjustment, repayment of payments, partial repayment, etc., it cannot be realized at all, and eventually, the difficulties inevitably endure.

Furthermore, under the conventional circumstances in which the lender D examines the possibility of the loan alone in accordance with the criteria set by the company, the BA's situational capability and the like are reviewed fairly at various points in time. Since it is almost impossible to do so, the lender (D) normally implements a series of loan services to the BA, even though the BA requesting the loan is actually a customer who is fully capable of executing the loan. As a result, unless tangible action is taken, a number of tangible and intangible economic losses due to unnecessary customer declines will not be avoided (although the BA will also be unable to avoid the loan. I can't).

Accordingly, an object of the present invention is a computer module that can register and post a loan loan application of BA as a series of short sale items, and a computer that can participate a plurality of individual LAs as bidders for <BA loan loan application>. Among the LAs participating as modules and bidders, a computer module that can select a LA that satisfies the optimal requirements requested by BA as a successful bidder who can apply for loans to BA, and BA has set up its loan repayment schedule Systematically coordinate and arrange computer modules that can be changed later with the agreement, and through this process, a series of online loan execution procedures, <multiple LAs bidding for a particular BA side loan application Can be flexibly implemented through a new concept of a short-selling mechanism in which individual status BAs and LAs have direct lending relationships. By Rock, who participated in the online auction of the loan deal from LA and BA side, beyond the conventional various problems in freedom, and to encourage you to enjoy the best of his interests corresponds to urge each effectively.

Still other objects of the present invention will become more apparent from the following detailed description and the accompanying drawings.

In order to achieve the above object, in the present invention, a signal connection is made with a loaning money Borrowing Applicant (BA) client and a Loaning Applicant (LA) client connected to an online network. At the request of the party, the process of registering and posting the loan application on the BA side as a short sale item, involving LA as a bidder for the loan application on the BA side, and lending a specific LA to a specific BA. The short sale loan transaction operation module which manages the procedure of selecting the successful bidder, and the short sale loan operation operation module, and selectively communicate with the BA client, the loan item of the loan application Send and post a service page for registration to the BA client side so that the BA side The loan borrowing application management module for registering the loan borrowing application as a short item and the short selling loan management module, which selectively communicate with the LA client, provide a service page for participating in the bidding of the LA. It is controlled by the LA bid participation management module that transmits and publishes to the client side and participates and registers the LA as a bidder for the loan loan application of the BA side, and the short selling loan operation management module, which is registered as an auction item. By checking the LA bidding history corresponding to a specific BA loan loan application, one or more LAs participating in the bidding bidding that are the most suitable for the BA designation conditions as the successful bidder can actually execute the loan to BA. An online short selling loan management system consisting of a combination of a winning bid LA selection module is disclosed.

Hereinafter, with reference to the accompanying drawings, it will be described in more detail the loan trading operation system of the online short selling method according to the present invention.

As shown in FIG. 2, the online short selling loan operating system 100 according to the present invention is optional for the BA client 11, the LA client 12, and the like connected to the online network 2, for example, the Internet network. Auction type loan transaction operation module 101, service page operation module 110, loan loan application management module 120, which is collectively controlled by the short sale type loan transaction operation module 101, BA electronic contract conclusion Management module 140, BA credit inquiry management module 160, LA bid preparation management module 180, LA bid participation management module 200, successful bid LA selection module 220, loan payment management module 240, loan The repayment management module 260, the LA automatic bid management module 280, the loan repayment schedule change guide module 290 and the like take a close combination.

In this case, the BA client 11, the LA client 12, and the like, for example, a notebook PC, a desktop PC, and the like, a cellular phone, a PCS phone (PCS phone: Personal Communications Services phone), synchronous Asynchronous IMT-2000 (International Mobile Telecommunication-2000), Palm Personal Computer (PDA), Personal Digital Assistant (PDA), Smartphone, Smart Phone, WAP Phone, Wireless Application Protocol Phone, A mobile device such as a play-station or the like may be flexibly selected according to the situation of BA or LA.

In this situation, the service page operation module 110 controlled by the short-selling loan transaction operation module 101 has a BA, LA, etc., through the BA client 11, the LA client 12, and the like. When connected to the D / B management module 103, the operation information storage D / B 104 is accessed, and various service operation information stored therein, for example, various texts for generating a web page / After flexible extraction of image / video / link / program information and various web page setting information, service pages 301, 302, 303 and 304 as shown in FIGS. 3A to 3D are generated based on the extracted operation information. The basic environment of various service procedures by the short sale loan operation operation module 101 is different from the service page 301, 302, 303 and 304 by selectively transmitting and publishing the service pages 301, 302, 303 and 304 to the BA client 11 and the LA client 12. It is secondary to smooth composition can be without.

Of course, each of these service pages 301, 302, 303, 304 forms a structure in which various menu items, pocket windows, etc. for assisting the computer operation of the BA and LA sides are combined in accordance with a predetermined pattern. For example, a simple computerized operation that selectively manipulates (enters) various menu items posted on the service pages (301, 302, 303, 304), for example, a procedure for registering a self loan application as a short item, a loan loan application registered as a short item. It is possible to flexibly proceed with the process of participating as a bidder.

In addition, the D / B management module 103 controlled by the short-selling loan transaction operation module 101 is adapted to the execution of the <loan transaction management service> according to the process progress of each computer module disposed in the system 100. Various kinds of necessary data are selectively stored in the required areas of the D / Bs 104 to 107, or vice versa, thereby loading and outputting.

In this case, the D / B management module 103 does not only play a role of storing and outputting various data, but also simultaneously performs a series of intelligent roles for efficiently managing the data in the fastest time without duplication. do.

Here, the operation information storage D / B 104 is a variety of operation information necessary for the execution of the <loan transaction management service>, for example, various text / image / image / link / program information for generating a web page, various web page settings Including such information, the system 100 performs a role of stably storing and managing resource status information, registration information of each computer module, and account management system registration information.

In addition, the BA-related information storage D / B 105 is a new registration information of each BA, system visit history information of each BA, login information of each BA, communication terminals of each BA (for example, mobile devices, electronics of each BA) Information on the amount of loan application for each BA, desired interest rate information for each BA, desired loan period information for each BA, loan repayment plan information for each BA, and specific loan reasons for each BA. It plays a role of stably storing and managing information.

In addition, the LA-related information storage D / B 106 is the personal information registration information of each LA, the system visit history information of each LA, login-related information of each LA, communication terminals of each LA (for example, mobile devices of each BA, electronic Etc., such as a mail account, etc., to stably store and manage loan enforcement amount information of each LA, loan execution period information of each LA, and loan execution interest rate information of each LA.

Further, the loan transaction history information D / B 107 may include loan application history information of each BA, bid history information of each LA, successful bid history information of each LA, loan transaction relationship history information between each BA and LA, and each BA. It plays a role of stably storing and managing loan repayment history information and overdue history information of each BA (Of course, the information in each D / B listed above can be flexibly changed depending on the system situation. May be added / deleted or changed).

Under such a state of infrastructure, the short-selling loan transaction operating module 101 of the present invention, upon the request of the BA client 11 or the LA client 12 side, as shown in FIG. Procedures for registering and posting loan loan applications as short items, procedures for signing electronic contracts (such as money loan agreements) with BA, guiding BAs to check their credit rating on their own, LA In your own account, guide the system 100 to deposit bids in the account 16 assigned at the time of membership, and then involve the LA as a bidder for the loan application on BA side. A process for selecting one or more LAs as a successful bidder for a particular BA, notifying the BA of the winning result, and transferring the LA's loan from the system side 14 to the BA side 15After transfer and deposit, transfer and preserve the loan from the LA account (the account assigned to LA by the system at the time of LA membership) to the system account 14, and the BA repayment process. Procedures for administering loans, payment of principals for loans to the account of the Los Angeles (16) in accordance with BA's repayment of loans, procedures to guide BA to later change his loan repayment schedule with the agreement of LA It will play a role of managing the overall.

Of course, under such an implementation environment of the present invention, a series of online loan execution procedures, as shown in Figure 4b, for a particular BA side short item, that is, loan borrowing application, a number of LA participate as a bidder, As a result of the winning bid, a new concept of a short-selling mechanism in which BAs and LAs of personal status directly enter into a loan relationship (from a legal point of view, LA participates in the loan / debt contracts between BA and the system). The indirect loan investment mechanism of participation method can be improved naturally. Finally, LA and BA, which participated in the online short sale of loan transactions, are free to overcome various problems and find the optimum profit corresponding to their needs. Each can enjoy effectively.

For example, under the implementation environment of the present invention, LA can establish a direct loan transaction relationship with BA through a short sale frame, so that a large amount of loans can be compared with the conventional one which simply signed up a deposit / storage, etc. on the lender side. It will be able to flexibly receive interest and, eventually, enjoy stable tangible and intangible economic benefits.

In addition, under the implementation environment of the present invention, since the BA side registers its loan application as a series of short sale items, LA can be selected as a successful bidder capable of executing loans that best meets the desired conditions. On the other hand, in a superior position, a series of loan history (e.g. loan amount, loan interest rate, repayment schedule, etc.) can be appropriately adjusted according to their situation, resulting in loss that may not be executed at all. You can easily avoid losses that you may be liable for more than you need, and losses that are much less than your needs.

In addition, under the implementation environment of the present invention, since the BA side can inquire its own credit level and directly register the loan borrowing application in which the result is reflected as a series of short sale items, it pays an expensive fee according to the loan examination. Losses to be made, loan lookup records remain on the computer, and in the future, the use of other loan systems can easily avoid penalties or loss of credit rating.

In addition, under the implementation environment of the present invention, since the BA side can establish a direct loan transaction relationship with the LA through a short selling frame, it is possible to more easily secure a communication channel with the lender (ie, LA). If necessary, a series of interim loan repayment schedule modifications, such as interest rate adjustments, deferred repayments, partial repayments, etc., may be selectively taken.

Moreover, under the implementation environment of the present invention, since the loan application on the BA side is examined and reviewed by various LAs participating in the bid, perhaps, naturally, the BA side evaluates its loan repayment capability more fairly. In the end, it will be more flexible to enjoy a series of loan services.

Under such a system of the present invention, the loan application management module 120 controlled by the short-selling loan transaction operation module 101 selectively communicates with the BA client 11, while the BA provides a service page 301 (Fig. 3A). In the event that a series of loan application events occur from the BA client 11 side by selecting the relevant items, the registration of the public item for the loan application is made in communication with the service page operation module 110. The service page 302 (refer to FIG. 3B) for the service, and the generated service page 302 is transmitted and posted to the BA client 11 side via the interface module 102, thereby allowing the BA to make a desired loan. You will be guided through the application process.

In this case, the loan application management module 120 according to the data presented by the BA side (that is, data transmitted from the BA client side), for example, the loan borrowing application amount, loan period, loan repayment method, etc. After calculating the loan repayment plan, the loan repayment amount (calculated and presented separately from the principal and interest), the average interest rate according to the loan borrowing period, and automatically posting the list reflecting the result of the calculation through the service page 302 ( For example, it can be inserted into a service page and automatically posted, automatically posted through a pop-up window, automatically posted through another page, etc. so that the BA can more easily proceed with the loan application process. do.

Subsequently, when the loan borrowing application details of the BA side are confirmed, and the corresponding data is transmitted from the BA client 1 side, the loan borrowing application management module 120 passes through the D / B management module 103 and performs BA related information. In order to communicate with the storage D / B 105 and to stably store and manage the data in the BA related information storage D / B 105, and to transfer and register the data to the bidding progress account 109. In this way, the loan application on the part of BA can be made to be officially submitted and registered as a short item.

At this time, the aforementioned bid progress account 109 is under the control of the auction-type loan transaction management module 101, while maintaining a certain amount of data accumulation space, the back-data required for bidding proceeds (eg, BA loan application) Data, LA-side bidding data corresponding to BA-side loan borrowing application data, etc.), so that a series of loan-backed auction service procedures by the short-selling loan transaction operation module 101 can be stably progressed without any problems. It will play a role.

Along with the foregoing computerized module, the electronic contract execution management module 140 controlled by the short selling type loan transaction management module 101 is a loan borrowing application management module 120 at the time when BA proceeds with the loan loan application procedure. In communication with the bank, a series of data generation routines are conducted to provide money loan agreement data (e.g., loan loan application amount, loan borrowing period, loan repayment method, etc.) that reflects BA loan application history (e.g., The interest rate, period, repayment method, etc.) are generated, and the generated money consumer loan contract data is transmitted and posted to the BA client 11 through the interface module 102.

In this situation, when the BA side transmits the signature data corresponding to the previous money consumer loan contract data through a predetermined certificate (by transmitting such signature data, a series of conditional conditions are established between the BA side and the system side). Loan receivables / debt relationship (contract) is formally formed; of course, such signature data transmission procedure may be carried out later through a separate means such as e-mail, electronic contract execution management module 140 is a D / B management module ( 103), the BA related information storage D / B 105, the loan transaction history information D / B 107, and the like communicate with each other, and the signature data is stored in the BA related information D / B 105, internal transaction history. An action is taken to stably store and manage information in the information D / B 107.

At this time, the electronic contract execution management module 140 of the present invention, through the receipt of the above-described signature data, in forming and managing <loan bonds / debt contracts targeting the BA side, the amount of loan application amount borrowed by the BA side For example, after dividing the bond into micro bonds of ten thousand won, the entire bond is formed into one loan bond and stored and managed. (Of course, in the case of BA, only one transmission of signature data can be used to enjoy the effect of the contract. To be able to do that).

For example, the electronic contract execution management module 140 divides the 500 million won into 500 micro bonds of 10,000 won, and then applies one loan receivable (10,000 won × 500) if the amount of loan application for BA is 500 million won. Loan loans) to be stored and managed.

Thus, under the system of the present invention, when the loan borrowing application amount on the BA side is divided into small bonds of 10,000 won, and formed, the BA party subsequently subtracts the loan borrowing application amount, for example, the entire 5 million won. Without borrowing, if necessary, by adjusting the amount of their borrowing in small units such as 2 million won, 1 million won, 500,000 won, 150,000 won, etc., they can receive loans, and eventually, enjoy the benefits accordingly. do.

On the other hand, with each of the preceding computer modules, the BA credit inquiry management module 160 controlled by the short-selling loan transaction operation module 101 selectively communicates with the BA client 11, so that the BA provides a service page 302. (See FIG. 3b), if a series of self-request credit request events occur from the BA client 11 side, immediately contact the credit information provider side system 20. 3, the credit inquiry related service page 303 as shown in FIG. 3C is landed from the credit information provider side system 20 to the system 100 side of the present invention, and then the landing page is completed. 303 is transmitted via the interface module 102 to selectively transmit and publish to the BA client 11 side.

Thus, in the situation where the credit inquiry related service page 303 is posted on the BA client 11 side, the BA side performs a procedure of writing (selecting) the necessary items of the corresponding service page 303 through a series of computational operations. If proceeding, the BA credit inquiry management module 160 transmits the BA credit inquiry request data corresponding to the credit inquiry related service page 303 to the credit information provider side system 20, and the corresponding credit inquiry result. The procedure of receiving data and displaying it through the BA client 11 is carried out. As a result, the BA side can flexibly enjoy the advantage of performing a series of credit inquiry procedures directly in their own name.

Of course, as described above, credit inquiry related service pages, credit inquiry request data, credit inquiry result data, and the like, under BA's own computerized operation, in a building block of the system 100 according to the present invention, a series of transmission / reception procedures In the implementation environment of the present invention, the BA side, for example, the loan inquiry record is left on the computer, and in the future, when using the other loan system, there is a loss in which the disadvantage of the credit rating is lowered. Flexibility can be avoided.

Together with each of the computer modules described above, the LA bid preparation management module 180 controlled by the short-selling loan transaction management module 101 includes the LA client 12, the system side account 14, and the LA side account 16. And, optionally, form a series of communication relationships with the LA message terminal 18 and the like, while the LA selects a bid preparation procedure related item posted on the service page 304 (see FIG. 3D), and a series of correspondences from the LA client 12 side. When a bid preparation procedure progress request event occurs, as shown in Figure 5, an account management system (not shown: this account management system may be a system belonging and installed in the system of the present invention, depending on the situation, Access to a third-party financial institution) and withdraw LA reserves from accounts held separately by LA (not shown) (of course, before withdrawing such reserves, The instructions page for the station may be provided to the LA client side, and the procedure for transferring and depositing the withdrawal bid reserves to the LA account (16: account assigned to the LA side at the time of LA membership). As a result, LA will be able to flexibly acquire a position to formally bid for the application of a BA loan that is registered as an auction item. If sufficiently secured, the procedure may be omitted flexibly).

In this way, when the bidding reserve of the LA side is completed normally and the deposit is made to the LA side account 16, the LA bidding preparation management module 180 immediately communicates with the message transmission management module 108, for example, <○ ○ 10,000 won has been deposited. By creating a series of bid-ready messages, such as a formal bidding>, and sending the completed bid-ready message to the LA message terminal (18: mobile device, e-mail, etc.), LA In addition, they will be able to easily check online that they have been normally granted the bidder's qualifications.

Meanwhile, together with each of the computer modules described above, the LA bid participation management module 200 controlled by the short-selling loan transaction management module 101 selectively communicates with the LA client 12, and the LA service page 301. (See FIG. 3A), when a series of bid participation request events occur from the LA client 12 side, in communication with the service page operation module 110, LA bid participation procedure By creating a service page 304 (see FIG. 3D) for guiding the information, and transmitting and publishing the generated service page 304 to the LA client 12 side via the interface module 102, the LA side itself. This will guide you through the desired bid participation process.

Later, if the bid participation application details of the LA side is confirmed, and the corresponding data is transmitted from the LA client 12 side, LA bid participation management module 200 via the D / B management module 103, LA-related information Communication with the storage D / B 105 is made to take measures to stably store and manage the data in the LA related information storage D / B 105.

At this time, as shown in Figure 6, the above-described LA bid participation management module 200 in more detail, the LA bid participation procedure control unit 201, and the BA bid controlled by the LA bid participation procedure control unit 201 The information loading unit 203, the other bidding details loading unit 204, the BA search engine 205, the search result list loading unit 206, the LA bidding receiving unit 209, and the like are closely combined.

Here, the LA bid participation procedure control unit 201, through the information exchange unit 202, LA bid preparation management module 180, LA client 12, BA-related information storage D / B 105, bid progress account (109) and selectively form a series of signal connection relationships, and acts as a total control of the bid participation process of the LA according to the bid participation request event data transmitted from the LA client 12 side.

At this time, the BA search engine 205 controlled by the LA bidding participation process control unit 201 selects a related item in which the LA is posted on the service page 304 (see FIG. 3D), and performs a series of steps from the LA client 12 side. If a BA search request event of the event occurs, after accessing the D / B management module 103, the BA related information storage D / B 105, etc. via the information exchange unit 202, a series of search routines are performed. Among the BA-side loan borrowings stored therein, certain BA-side loan borrowing applications that match the conditions LA wants, such as BA-side loan borrowing applications that match LA's desired credit rating, and LA's desired loans Application for borrowing a BA-side loan that matches the borrowing amount, Application for borrowing a BA-side loan that matches the loan borrowing rate that LA wants, Application for borrowing a BA-side loan that matches LA's desired loan period, BA side loan Searching for such Requests for, and thereby serves to reliably store managed by the search result in the processing buffer 206.

In addition, the search result list loading unit 207 controlled by the LA bidding participation procedure control unit 201 performs a function of the BA search engine 205 described above, and thus, in the processing buffer 206, <LA is required to meet the desired condition. When the search result> of the matching particular BA side loan application is completed, immediately access the processing buffer 206, read the search result, and generate a search result list corresponding to the read result. By transmitting the generated list to the LA client 12 through the information exchange unit 202, the interface module 102, and the like, the above-mentioned search result list is quickly displayed through the LA side service page 304 ( For example, the guide is inserted into a service page and displayed, displayed through a pop-up window, and displayed through another page.

Of course, under the display of the search result list, the LA side can easily select and select the particular BA side loan loan application that best meets its needs from the various BA side loan application cases registered as short sale items. As a result, the overall bidding participation process can be more easily performed.

In addition, the BA related information loading unit 203 controlled by the LA bidding participation control unit 201 performs the function of the above-described search result list loading unit 207, so that the LA client 12 has < LA With the result of the search result list> of the specific BA side loan borrowing cases matching the desired condition, the LA side selects the specific BA side loan loan application among the BA side loan loan applications listed in the search result list. When a series of selection data is transmitted from the LA client 12 side, immediately, the BA related information storage D / B 105 is transmitted via the information exchange unit 202, the D / B management module 103, or the like. Approach and extract the BA related information stored therein such as BA photo information, BA personal information, BA credit inquiry information, BA loan application history information, BA loan repayment plan information, etc. Based on the completed BA information, By creating a BA related page and transmitting the generated BA related page to the LA client 12 side via the information exchange unit 202, the interface module 102, etc., the BA related information is transferred to the LA side service page 304. Guides you to display quickly.

Of course, in the context of displaying such BA-related information, prior to the full-blown bidding process, the Los Angeles side may disclose various details related to BA in the loan application to be bidding, such as a summary of BA's loan application and BA's profile. The details, the BA's credit history, and the BA's loan repayment plan can be easily selected and confirmed without any difficulty, and eventually the bidding process can be more rationalized.

In addition, the other bidding history loading unit 204 controlled by the LA bidding participation procedure control unit 201 performs the function of the search result list loading unit 207 described above. With the result of the search result list> of the specific BA side loan borrowing cases matching the desired condition, the LA side selects the specific BA side loan loan application among the BA side loan loan applications listed in the search result list. When a series of selection data is transmitted from the LA client 12 side, the bidding proceeding account 109 is immediately accessed via the information exchange unit 202, and the <BA side loan application request registered therein. Corresponding bid participation of other LAs>, such as ID information of other LAs participating in the bidding, loan interest rate information provided by other LAs participating in the bidding, and loan execution funds presented by other LAs participating in the bidding After extracting the sum information and the like, based on the extracted bidding information of other LAs, a series of other LA bidding history providing pages are generated, and the other LA bidding detail pages are generated by the information exchange unit 2020, the interface module 102, and the like. By transmitting to the LA client 12 side, the bid history page of other LAs are guided so that they can be displayed quickly through the LA service page 304.

Of course, under the condition of displaying <Bid history information of other LAs>, the LA side easily selects the bidding status of other LAs corresponding to the <Lending application to borrow> · As a result, the bidding process can be more rationalized.

In this case, the above-described bidding progress account 109 is under the control of the auction-type loan transaction management module 101, while maintaining a certain amount of data accumulation space, and applying for back-data (eg, BA-side loan borrowing) required for the bidding process. Data, LA-side bidding data corresponding to BA-side loan borrowing application data, etc.), so that a series of loan-backed auction service procedures by the short-selling loan transaction operation module 101 can be stably progressed without any problems. It will play a role.

By performing the functions of the above-described BA search engine 205, search result list loading unit 207, BA related information loading unit 203, other bidding history loading unit 204, and the like, the < LA &quot; In the case of a search result list of specific BA side loan borrowing cases matching the desired condition>, <BA related information>, <Bid history information of other LAs>, etc., LA side, the BA side loan application When the bid for the case is determined, a related item is selected, and a series of bid application information is transmitted from the LA client 12 side, the LA bid reception unit 209 controlled by the LA bid participation procedure control unit 201 Immediately accesses the bidding proceeding account 109 via the information exchange unit 202, and proceeds to register and store the corresponding LA side bidding information in the bidding proceeding account 109. Application for Borrowing a Special BA Loan Registered as a Short Item It is possible to acquire the status as a bidder for a normal (of course, depending on the situation, such LA participation bidding process is BA related information storage D / B, LA related information storage D / B, loan transaction history information storage D / B May be simultaneously reflected on other D / Bs, etc.).

On the other hand, as shown in FIG. 2 described above, together with each of the preceding computerized module, the successful bid LA selection module 220 controlled by the auction-type loan transaction operation module 201 is a bid progress account 109, loan Transaction history information storage D / B (107), LA bid participation management module 200, LA message terminal 18, BA message terminal 13 and the like optionally form a series of communication, registered as a short item < At the close of the bid for a particular BA loan loan application, one of the LAs participating as bidders is the most suitable for the BA designation condition by checking the LA bidding history corresponding to the BA loan loan application. The above LA> will be selected as a successful bidder who can actually loan to BA.

At this time, as shown in Figure 7, the successful bid LA selection module 220 of the present invention, in detail, the LA successful bid selection control unit 221, and the bidding information collecting unit controlled by the LA successful bid selection control unit 221 ( 223, the successful bid LA selection unit 225, the successful bid result reflection guide unit 227, the successful bid result message notification unit 228, and the like, take a close combination.

In this case, the LA successful bid selection control unit 221 via the information exchange unit 222, bid progress account 109, loan transaction history information storage D / B 107, LA bid participation management module 200, LA Selectively forming a series of communication relationships with the message terminal 18 and the BA message terminal 13, and collectively controlling the successful bid selection process in Los Angeles at the close of bidding on a particular BA side loan application to be registered as an auction item. Will be performed.

At this time, the bidding information collecting unit 223 controlled by the LA successful bid selection control unit 221 selectively forms a series of communication relationships with the bidding progress account 109 via the information exchange unit 222, and the short selling item. At the close of the bidding of the specific BA side loan loan application registered with the bank, the bidding proceeding account 109 is accessed, the LA side bidding information registered and accepted is extracted, and the extracted LA side bidding information is collected and collected. As shown in FIG. 8, the completed LA side bidding information is stably stored and managed in the processing buffer 226.

In addition, the successful bid LA selection unit 225 controlled by the LA successful bid selection control unit 221 executes the function of the above-described bidding information collection unit 223 and, in the processing buffer 225, applies << specific BA side loan loan application. When the LA bidding information corresponding to the case is completed, as shown in FIG. 8, the successful bidding condition storage unit 224 communicates with each other, and the successful bidding condition information stored therein, for example, <the loan application Extracts the designated BA-side designated condition>, compares and checks the extracted condition information with the LA-side bidding information stored in the processing buffer 225, and selects one or more LAs from the LAs participating as bidders to <BA. It will play the role of selecting the successful bidder>.

As a result, under the function of the successful bidder LA selection unit 225, for example, among the LAs participating as bidders, one or more LAs whose bidding order is quick and actually execute the loan to the BA side. It can be officially selected as a successful bidder.

As another example, under the function of the successful bidder LA selection unit 225, one or more LAs that have a high loan interest rate, whose bidding order is fast and the loan amount is large, have been loaned to the BA side while presenting a high loan interest rate. The bidder can be formally selected as a successful bidder (of course, such a bidder selection criteria can be variously modified according to the information provided by BA and the information according to the system's policy).

As such, when one or more specific LAs are selected as successful bidders corresponding to a specific BA side loan application by performing the function of the successful bidding LA selection unit 225, the successful bidding result controlled by the LA successful bid selection control unit 221 The reflection guide unit 227 immediately communicates with the loan payment management module 240 via the information exchange unit 222 and transmits the result of the successful bid to the loan payment management module 240, thereby obtaining the aforementioned auction. The results will be substantively reflected in LA and BA's funding changes.

In this situation, the loan payment management module 240 (shown in FIG. 2) controlled by the short selling type loan transaction operation module 101 is an account management system (as described above). It may be a system belonging to and installed in the system of the invention, or a system belonging to an external cooperative financial institution), and as illustrated in FIG. 9, in the system side account 14, the BA side account ( The process of transferring and disbursing a series of loans is then proceeded, so that BA can flexibly secure the loans it has applied for.

Through the above-described procedure, when the transfer and payment of the loan from the system side account 14 to the BA side account 15 are completed, the loan payment management module 240 communicates with the account management system, and the LA side account ( By proceeding the process of transferring the amount corresponding to <loan + fee> from the bid reserve reserve deposited in 16) to the system side account 14, the system 100 corresponding to the payment of the loan is preserved. (After all, in this situation, LA legally participates in the bonds / debt contracts between BA and the system, and transfers the principal's receivables to the system as much as the part of the loan (the amount of the loan you have made). (Note: The main creditor is the system side) (The above-mentioned electronic contract execution management module 140 stores these transfers of principle receivables in the LA related information storage D / B 106 and loan transaction history information storage D / B ( 107) clauses reflected on the back The search will continue).

Here, the loan payment management module 240, if there is only one LA selected as a successful bidder, measures to collectively transfer the amount corresponding to <loan + fee> from the LA account alone to the system-side account 14. In the case of multiple LAs selected as successful bidders, measures for splitting and transferring the amount corresponding to <loan + fee> from the accounts of each LA to the system side account 14 are taken.

Of course, in this situation, there are several LAs selected as successful bidders, and accordingly, in the situation where each LA account can transfer and transfer the amount corresponding to the loan amount + fee to the system side account, Without the burden of raising funds, it is possible to generate its own profits while investing only a small amount of loans, and to enjoy the tangible and intangible economic benefits flexibly (of course, without any problems The possible reason is that, as described above, the system of the present invention provides a unique short-selling loan trading mechanism that involves the participation of multiple LAs as bidders and the selection of at least one of them as a bidder for the BA loan application. Operating).

Thus, in the situation where a series of loans are deposited to the BA side account 15, the above-described successful bid result reflecting guide unit 227 (shown in FIG. 7) is a D / B management module via the information exchange unit 222. After accessing 103, communication with the BA related information storage D / B 105, the LA related information storage D / B 106, and the loan transaction history information storage D / B 108 is performed. The result of the winning bid will be substantively reflected in the D / B information storage.

Under the above-described process, when a series of LA successful bid selection procedures are completed, the successful bid result notification unit 228 shown in FIG. 7 immediately communicates with the message transmission management module 108 to send a series of successful bid result notification messages. The procedure for transmitting the generated successful bid result notification message to the LA message terminal 18, the BA message terminal 13, and the like is performed. As a result, the LA and BA sides receive the successful bid result according to the present invention more quickly. You can check it.

Meanwhile, the loan repayment management module 260 (shown in FIG. 2) controlled by the short selling type loan transaction operation module 101 may store the BA related information D / B 105 through the D / B management module 103. ) And check the repayment schedule (the repayment date, repayment interest, repayment method, etc.) selected by the BA at the time of loan application, as shown in FIG. 10, upon arrival of the repayment date of the particular BA, the account management system. By connecting to the corresponding BA side account 15, it is determined whether the repayment (e.g., installment loan + repayment interest) is normally deposited.If the repayment is normally deposited, it is received and the system side account ( 14), additionally transfer the deposit and repayment to the LA account 16. (Note: As mentioned above, LA is legally signed between the BA and the system). Participate in bonds / debt agreements , Who enjoys this procedure because they are the principal beneficiaries who have transferred the principal's receivables for the portion of their participation (the amount of their loans), and eventually, perform the functions of the loan repayment management module 260. Under the circumstances, the Los Angeles side would be able to effectively enjoy the economic benefits corresponding to the repayment interest.

At this time, if the repayment money is not normally deposited in the BA account 15 despite the arrival of the repayment date (or near the close date of the repayment date), the loan repayment management module 260 immediately prompts a message. In communication with the transmission management module 108, a series of loan repayment request messages are generated, and the generated loan repayment request message is transmitted to the BA message terminal 13, and at the end, the BA side makes his loan. You will be able to quickly identify when a transaction is overdue (or when your loan payment date has arrived) and be able to flexibly take appropriate follow-up.

Here, in spite of the above-described message notification procedure and the like, if the BA side intentionally delays the repayment of the loan without any further follow-up measures, the loan repayment management module 260 may exchange the short-term loan transaction operation module 101. Under communication, various BA's registration information is changed, and through this, various penalties for BA, such as classifying and managing BA as delinquent interest, and classifying and managing BA as delinquent In addition, in the BA-related loan transaction history information storage D / B 107, the delinquent history is recorded so that the BA becomes difficult to participate in future loan transactions.

On the other hand, as shown in Figure 2 above, within the control system of the auction-type loan transaction operation module 101 according to the present invention, in addition to the various computer modules mentioned above, LA automatic bid management module 280, loan repayment The schedule change guide module 290 and the high profit LA linked bid management module 310 are additionally arranged.

At this time, the LA automatic bid management module 280, LA-related information storage D / B 106, bid progress account 109, loan application management module 120, LA bid participation management module 200, message transmission management Among the BA side loan borrowing applications registered as a short item by the loan borrowing application management module 120 while forming a series of signal connection relationships with the module 108, loan loan applications matching the conditions preset by LA If there is a loan application, the LA bid participation management module 200 communicates with the LA to automatically participate and register the bidder for the loan application for matching loan.

Of course, under the function of the LA automatic bidding management module 280, each LA side application for the loan of BA side loans that match their needs, without separately proceeding the above-described bid preparation process, bid participation procedure, etc. As a result, it is possible to automatically participate as a series of bidders, and, ultimately, to effectively enjoy the tangible and intangible benefits.

In addition, the loan repayment schedule change guide module 290 according to the present invention is a message transmission management module 108, BA related information D / B 105, LA related information D / B 106, loan payment management module 240 In the state in which a series of communication relationships are formed with the loan repayment management module 260 and the loan is transferred and paid from the system-side account 14 to the account 15 of the BA (see FIG. 9), the BA After sending a series of acknowledgment messages to the message terminal 13 side held by the party, BA checks &quot; to change its loan repayment schedule &quot;, and if the BA wants to change his loan repayment schedule, LA Sends a series of acknowledgment messages to the message terminal 18 held by the party, checks whether the LA party is allowed to change the repayment schedule, and automatically changes the repayment schedule of the BA loan according to the check result. Proceed with the procedure.

Of course, under the function of the loan repayment schedule change guide module 290, on the BA side, it is possible to more easily secure a communication channel with the loaner (ie, LA). A series of interim loan repayment schedule changes, such as partial repayment, can be selectively taken.

Furthermore, the high profit LA linked bid management module 310 according to the present invention stores LA related information D / B 106, bid progress account 109, LA bid participation management module 200, message transmission management module 108 And a series of signal connections to determine whether any of the LA's bids for the loan application on a particular BA side have bids from LAs with a history of achieving high returns, and if such bids exist, It will proceed with the process of automatically participating in and registering a specific LA who applied for a linked bid with the high profit LA as a bidder for <BA Borrowing Application>.

Of course, under the function of the high profit LA linked bid management module 310, each LA side, even if their own investment experience is somewhat lacking, along the excellent LA with a record of high profit achievement, high profitability / reliability, etc. At the same time, they will be able to participate in the bidding automatically and eventually enjoy effective tangible and intangible benefits.

Hereinafter, the detailed configuration and function performing procedures of the above-described LA automatic bidding management module 280, loan repayment schedule change guide module 290, and high profit LA linked bidding management module 310 will be described in detail.

First, the detailed configuration and function performance procedure of the above-described LA automatic bid management module 280 will be described in detail.

As shown in FIG. 11, the LA automatic bidding management module 280 according to the present invention includes an LA automatic bidding control unit 281 and an automatic bidding request LA information loading unit controlled by the LA automatic bidding control unit 281. 284), matching BA information registration monitoring unit 283, bid preparation automatic processing unit 285, bid history generation unit 287, bid automatic acceptance unit 288, bid automatic acceptance notification unit 289, etc. are closely combined It takes a configuration.

In this case, the LA automatic bidding control unit 281 via the information exchange unit 282, LA-related information storage D / B 106, bid progress account 109, loan loan application management module 120, LA bidding A procedure for determining whether there is a loan loan application procedure matching the conditions set by the LA (eg, LA) while forming a series of signal connection relationships with the participation management module 200 and the message transmission management module 108. For example, the process of automatically participating in and registering LA as a bidder for BA loan application will be overseen.

At this time, the automatic bidding request LA information loading unit 284 controlled by the LA automatic bidding control unit 281, the LA-related information storage D / D via the information exchange unit 282, D / B management module 103, etc. After communicating with B 106 and checking the LA setting information stored therein, if there is a LA for which automatic bidding has been requested in advance, the relevant LA side information, for example, the bidding target BA desired by LA Extract information, bidding history information of the LA, and the like, and stably store and manage the extracted LA related information in the processing buffer 286.

In addition, the matching BA information registration monitoring unit 283 controlled by the LA automatic bidding control unit 281 is the loan application management module 120, bid progress account 109, BA-related information storage D / B 105, Among the BA side loan borrowing applications registered as a short item by the loan borrowing application management module 120 while forming a series of communication relationships with the automatic bid request LA information loading unit 284 and the processing buffer 286, Loan loan applications that match a pre-set condition (e.g., interest rate on loan payments, loan split terms, loan amount, BA's school, etc.) If there is a loan loan application, the result is quickly reported to the LA automatic bidding control unit 281.

In addition, the bid preparation automatic processing unit 285 controlled by the LA automatic bidding control unit 281 performs the loan BA application registration monitoring unit 283 to perform the function of the loan loan application that matches the condition set in advance by the LA. If it is confirmed that the transaction is made, the account management system is automatically accessed, and the LA reserve reserve is automatically withdrawn from an account held separately by LA (not shown), and the withdrawal of the reserve reserve is completed. City will proceed with the transfer and deposit to the account assigned to LA) (see Fig. 5). Eventually, LA will make a formal bid for matching BA loan application that is registered as a short item. It is possible to automatically obtain a position that can be obtained (of course, even in this case, if the reserve reserve of the LA side is secured in advance, the proceeding of the above procedure may be flexibly omitted).

In addition, the bid history generation unit 287 controlled by the LA automatic bidding control unit 281 accesses the processing buffer 286 by the bid preparation automatic processing unit 285 described above when the procedure for securing the bid reserve is completed. After extracting the LA related information stored therein, for example, LA bidding information, and based on the extracted LA bidding information, LA bidding data (for example, loan execution amount, loan period, loan interest rate, etc.) Automatically generate and stores the generated LA-side bid history data in the processing buffer 286 stably.

Through the above-described procedures, when the LA-side bidding history data is generated and stored in the processing buffer 286, the bid automatic accepting unit 288 controlled by the LA automatic bidding control unit 281 immediately returns the information exchange unit. 282, by communicating with the LA bid participation management module 200, and forwards the LA bidding history data to the LA bid participation management module 200 side, the LA for the loan loan application of the BA side The bidder will automatically participate and accept.

Of course, corresponding to this procedure, the LA bid participation management module 200 accesses the bid progress account 109 and subsequently proceeds with registering and storing the LA bidding data in the bid progress account 109. As a result, LA can automatically acquire the status as a bidder for a particular BA loan loan application registered as an auction item. It may be simultaneously applied to other D / B such as storage D / B, LA related information storage D / B, loan transaction history information storage D / B, etc.).

Subsequently, the automatic bidding notification unit 289 controlled by the LA automatic bidding control unit 281 communicates with the message transmission management module 108 to generate a series of automatic bidding notification messages, and automatically generates the bid automatically received. The procedure of sending the notification message to the LA message terminal 18 is performed, and as a result, the LA side can quickly confirm that they have automatically bid on the loan application for a specific BA.

Next, a detailed configuration of the loan repayment schedule change guide module 290 according to the present invention and a function performing procedure will be described in detail as follows.

As shown in FIG. 12, the loan repayment schedule change guide module 290 according to the present invention includes a loan repayment schedule change procedure control unit 291 and a loan situation that is collectively controlled by the loan repayment schedule change procedure control unit 291. History monitoring unit 293, loan repayment schedule change confirmation unit (294), loan repayment schedule change history receiving unit (295), loan repayment schedule change request notification unit (296), loan repayment schedule change allowance check unit (297) The loan repayment schedule change guide unit 298, the loan repayment schedule change result notification unit 299, and the like are closely combined.

In this case, the loan repayment schedule change procedure control unit 291, through the information exchange unit 292, the message transmission management module 108, BA related information D / B 105, LA related information D / B 106 In addition, the loan payment management module 240 and the loan repayment management module 260 form a series of communication relations, and play a role of controlling the intermediate change procedure of the repayment schedule of the BA loan.

At this time, the loan repayment schedule monitoring unit 293 controlled by the loan repayment schedule change procedure control unit 291 communicates with the loan repayment management module 260 via the information exchange unit 292, and performs If it is determined that the loan repayment date has arrived, and it is determined that the loan repayment due date is reached, the corresponding BA side account 15 is checked to determine whether the loan can be repaid normally (or is it being repaid)? It monitors and monitors the monitoring result in real time to the loan repayment schedule change procedure control unit 291.

In addition, the loan repayment schedule change confirmation unit 294 controlled by the loan repayment schedule change procedure control unit 291, via the information exchange unit 292, the message transmission management module 108, BA-related information storage D / When a series of communication relationships are formed with the B 105 and the like, the monitoring of the loan repayment history is performed by the above-described loan repayment history monitoring unit 293, the message transmission management module 108 ), Generate a loan repayment schedule change confirmation message, and send the completed loan repayment schedule change confirmation message to the BA side message terminal 13, so that the BA interim the repayment schedule of the self-payment (e.g., , Interest rate adjustment, postponement of payments, partial payments, etc.).

Through the above-described procedure, in the situation where a loan repayment schedule change confirmation message has been transmitted and posted to the message terminal 13 on the BA side, the BA repayment schedule change history corresponding to the previous confirmation message (for example, repayment) Enter the reason for the schedule change, how much you want to adjust the interest rate, what you want to postpone the repayment date to ○ days, and what you want to repay the loan by dividing it into ○ days and × days, depending on the situation. In the confirmation message, a guide window for guiding the input of the loan repayment schedule change may be prepared in advance), and when a series of loan repayment schedule changes are transmitted from the message terminal 13 of the BA side, the loan repayment schedule change procedure is performed. The loan repayment schedule change history receiving unit 295 controlled by the control unit 291 includes an interface module 102 and an information exchange unit 2. 92), and then, the procedure of transferring the received payment repayment schedule change details to the loan repayment schedule change procedure controller 291 is performed.

At this time, the loan repayment schedule change request control unit 296 controlled by the loan repayment schedule change procedure control unit 291 via the information exchange unit 292, the message transmission management module 108, LA-related information storage D / If a BA side loan repayment schedule change history is secured by performing the function of the loan repayment schedule change history receiving unit 205 described above while forming a series of communication relationships with B 106 and the like, the message transmission management module ( 108) to generate a loan repayment schedule change request message reflecting the change of the loan repayment schedule on the BA side, and proceed with the procedure of transmitting the generated loan repayment schedule change request message to the LA side message terminal 18. In addition, the LA side, which is concerned with the loan on BA side, will assist in the scrutiny of whether or not to allow a request to change the BA loan repayment schedule.

Through the above-described procedure, in the situation where the loan repayment schedule change request message has been transmitted and posted to the LA message terminal 18, the LA side inputs the details of the loan repayment schedule change allowance corresponding to the above request message ( Depending on the situation, the above-mentioned loan repayment schedule change request message may be provided with a guide window for guiding input of change allowance details in advance), and a series of loan repayment schedule changes are allowed from the LA message terminal 18. When the status data is returned and transmitted, the loan repayment schedule change allowance check unit 297 controlled by the loan repayment schedule change procedure control unit 291 checks the returned and transmitted data, and at <LA side, the BA repayment schedule Whether the change is allowed or not, and delivers the result of the confirmation to the loan repayment schedule change procedure controller 291. It is.

Under the function of each of the computer modules described above, if it is confirmed that <the LA side permits the BA side repayment schedule change history>, the loan repayment schedule change guide controlled by the loan repayment schedule change procedure controller 291 The department 298 immediately transmits the result to the short-selling loan transaction operation module 101 to induce a procedure execution change of the loan repayment management module 260, thereby making the BA loan repayment schedule (loan interest rate, loan repayment date). , The amount of loan repayment, etc. will be induced to be automatically changed according to the BA's intention (of course, depending on the situation, the interim change of the BA loan repayment schedule is related to the storage of BA information D / B, LA Information storage D / B, loan transaction history information storage D / B, etc., can be simultaneously applied to several D / B).

Subsequently, the loan repayment schedule change result notification unit 299 controlled by the loan repayment schedule change procedure control unit 291 communicates with the message transfer management module 108 to generate a series of loan repayment schedule change result messages, The procedure of transferring the completed loan repayment schedule change result message to the BA message terminal 13, LA message terminal 18, etc. will be performed. You can quickly confirm that the repayment schedule has changed.

Next, the detailed configuration and function performance procedure of the above-described high-benefit LA linked bid management module 310 will be described in detail.

As shown in FIG. 13, the high profit LA linked bid control module 310 according to the present invention is a high profit LA linked bid control 311 and a high profit LA linked bid control 311. LA information loading unit 313, linked bid request LA information loading unit 314, high profit LA bid availability monitoring unit 315, bid preparation automatic processing unit 316, bid history generation unit 318, linked bid automatic reception unit 319 and the linked bid automatic receipt notification unit 320 may take a close combination.

In this case, the high profit LA linked bid control unit 311, via the information exchange unit 312, LA-related information storage D / B 106, bid progress account 109, LA bid participation management module 200, While establishing a series of signal connections with the message transmission management module 108 and the like, the <participation procedure for link bidding with a high-income LA of a specific LA>, for example, <a procedure for monitoring whether a high-income LA participates in a bid> and <LA It will play a role of controlling the process of automatically participating and registering as a bidder for loan application for which high profit LA participated in the bidding.

At this time, the high-profit LA information loading unit 313 controlled by the high-profit LA linked bid control unit 311 via the information exchange unit 3120, D / B management module 103, the LA-related information storage D / Among the LA information stored therein in communication with B 106 and the like, through the service of the present invention, the high profit achievement history (in this case, as a criterion for achieving high profit, for example, the interest rate of return of LA and the absolute profit margin) Extract the high-gain LA related information, and stably store and manage the extracted high-gain LA related information in the processing buffer 317.

Further, the linked bid request LA information loading unit 314 controlled by the high profit LA linked bid control unit 311 may store the LA related information D through the information exchange unit 3120 and the D / B management module 103. / B (106) and the like, and check the LA setting information stored therein, if there is a LA previously requested linkage bidding with high-income LA, relevant LA-side related information, such as LA It extracts the bidding information of the, and performs the role of stably storing and managing the extracted LA-related information in the processing buffer 317.

In addition, the high profit LA bidding monitoring unit 315 controlled by the high profit LA linked bid control unit 311 is the LA-related information storage D / B 106, bid progress account 109, linked bid request LA information loading Among the bids of each of the LAs for the loan application on a particular BA side, the bids of the high-profit LAs are formed in a communication relationship with the unit 314, the high-profit LA information loading unit 313, the processing buffer 317, and the like. If there is a corresponding bidding case, the result is quickly reported to the high-profit LA linked bidding control unit 311 side.

Further, when the bid preparation automatic processing unit 316 controlled by the high profit LA linked bid control unit 311 is confirmed by the high profit LA bid availability monitoring unit 315 described above, there is a bid of high profit LA, After accessing the account management system, the LA reserve reserves are automatically withdrawn from an account held separately by LA (not shown), and the withdrawal bid reserve is transferred to the LA side. (As shown in Fig. 5), the Los Angeles side officially bids for a specific BA side loan loan application registered as an auction item, along with a high profit LA. It is possible to automatically obtain a position that can be done (also, in this case, if the LAB reserve reserve is sufficiently secured in advance, the above-described procedure may be flexibly omitted).

In addition, the bid history generation unit controlled by the high-gain LA linked bid control unit 311, by the above-described bid preparation automatic processing unit 316, when the procedure for securing bid reserves is completed, accesses the processing buffer 317, After extracting the LA related information stored, for example, the LA bidding information, the LA bidding data (eg, loan amount, loan period, loan interest rate, etc.) is automatically extracted based on the extracted LA bidding information. It generates and stores the generated LA-side bid history data in the processing buffer 317 stably.

Through the above-described procedures, when the LA-side bidding history data is generated and stored in the processing buffer 317, the linked bid automatic accepting unit 319 controlled by the high profit LA linked bid control unit 311 immediately receives the Communication with the LA bid participation management module 200 via the information exchange unit 312, the LA bidding history data is passed to the LA bid participation management module 200 side, so that the LA loan application application for the BA side The bidder for the case will automatically participate and receive.

Of course, corresponding to this procedure, the LA bid participation management module 200 accesses the bid progress account 109 and subsequently proceeds with registering and storing the LA bidding data in the bid progress account 109. As a result, LA can automatically acquire the status as a bidder for a particular BA loan loan application registered as an auction item. It may be simultaneously applied to other D / B such as storage D / B, LA related information storage D / B, loan transaction history information storage D / B, etc.).

Subsequently, the linked bid automatic accept notification unit 320 controlled by the high profit LA linked bid control unit 311 communicates with the message transmission management module 108 to generate a series of linked bid automatic accept notification messages, and generate the The process of sending the completed Linked Bid Auto-Notification notification message to the LA message terminal 18 proceeds. As a result, the LA side quickly confirms that it has automatically bid on loan application for a particular BA along the high profit LA. It becomes possible.

As described in detail above, in the present invention, a computer module that can register and publish a loan loan application of BA as a series of short sale items, and a plurality of individual LAs can participate as a bidder for <BA loan application> Computation module, which is the bidder who can select the LA that satisfies the optimal requirements requested by BA among the participating LAs as the bidder, and the BA repayment schedule Systematically coordinate and arrange computer modules that can be changed later with the agreement of LA, and through this, a series of online loan execution procedures were established. By participating in multiple bidders, and depending on the result of the successful bidding, a new concept of a short-selling mechanism whereby BA and LA of individual status will directly enter into a loan relationship By being able to be embodied in a flexible manner, LAs and BAs participating in the online short sale of loan transactions can free themselves from various problems and induce them to effectively enjoy the optimum benefits corresponding to their needs.

While specific embodiments of the invention have been described and illustrated above, it will be apparent that the invention may be embodied in various modifications by those skilled in the art.

Such modified embodiments should not be understood individually from the technical spirit or point of view of the present invention and such modified embodiments should fall within the scope of the appended claims of the present invention.

Claims (9)

Loaning money Borrowing Applicant (BA) clients and Loaning Applicant (LA) clients connected to an online network, and are connected to the BA client or LA client side, and borrows the BA loan. General management of the process of registering and posting an application as a short item, involving LA as a bidder for the loan application on the BA side, and selecting a LA as a successful bidder for a specific BA. An auction type loan transaction management module; The BA side loan application request controlled by the short selling loan operation module, which selectively communicates with the BA client, transmits and publishes a service page for registering the Auction item of the loan application, to the BA client. A loan application management module for registering a loan as an item; Controlled by the short-selling loan transaction module, selectively communicating with the LA client, sending and publishing a service page for participation in the bidding of the LA to the LA client, and applying the loan to the BA for the LA LA bid participation management module to participate in and register as a bidder for the case; The LA bidding history, which is controlled by the short selling loan operation module and corresponds to a specific BA loan application, registered as an auction item, is checked, and among the LAs participating as bidders, An online auction system for loan transactions, comprising a bidding LA selection module for selecting one or more suitable LAs as a successful bidder for the BA. According to claim 1, The LA bid participation management module LA bidding participation process control unit for controlling the bidding participation process of the LA collectively; Among the BA side loan borrowing applications, which are controlled by the LA bid participation procedure control unit and are requested by the LA client side through the service page, a specific BA side loan that matches the desired condition of the LA is selected. A BA search engine searching for applications; The search result corresponding to the corresponding BA side loan loan application cases is controlled by the LA bid participation process control unit, and the BA search engine completes the search for the specific BA side loan loan application cases matching the desired condition of the LA. A search result list loading unit generating a list and displaying the list through the service page; The LA bidding participation control unit controls, and when the LA client selects a particular BA side loan loan application among the BA side loan borrowing applications listed in the search result list, details related to the BA of the loan loan application A BA-related information loading unit which loads and displays through the service page; Controlled by the LA bidding process control unit, and if a particular BA side loan loan application is selected by the LA client from among BA side loan borrowing applications listed in the search result list, the corresponding LA side loan loan application Another bidding history loading unit for loading bidding details of other LAs and displaying them through the service page; When the bid request information is controlled by the LA bid participation procedure control unit, and the LA client sends a bid request information for a specific BA loan application, the LA is formally registered as a bidder for the specific BA loan application. Loan transaction management system of the online auction method, characterized in that it includes a receiving bidding LA. 2. The method of claim 1, wherein the successful bid LA selection module comprises: a LA successful bid selection control unit for controlling overall control of the successful bid selection procedure of the LA at the closing time of bidding for a specific BA side loan application request registered as an auction item; A bid information collecting unit controlled by the LA successful bid selection control unit and configured to collect LA bidding information corresponding to the specific BA loan application; One of the LAs participating in the bidding process, which is controlled by the LA successful bid selection control unit, compares and checks the LA side bidding information collected in the bidding information collecting unit with the designated conditions specified in the BA side loan application. A successful LA selection unit which selects the above-mentioned LA as a successful bidder who can actually execute a loan to BA; And a successful bid result reflecting guide, which is controlled by the LA successful bid selection control unit and guides the loan to be paid to the BA account when one or more LAs are selected by the successful bid LA selection unit. Loan trading operation system of the online short selling method. According to claim 1, Among the BA loan application applications that are controlled by the short-selling loan transaction management module, registered as a short item by the loan application management module, matching conditions set in advance by the LA LA automatic bidding to determine if there is a loan borrowing application, and if there is a loan borrowing application, by communicating with the LA bidding participation management module and automatically participating and registering the LA as a bidder for the loan borrowing application of the relevant BA. Loan trading operation system of the online auction method, characterized in that it further comprises a management module. 5. The automatic bidding management module according to claim 4, wherein the automatic bidding management module includes: an automatic bidding control unit for the LA; An automatic bidding request LA information loading unit controlled by the LA automatic bidding control unit and configured to load and store LA related information previously requested for automatic bidding; Of the BA loan application requests controlled by the LA automatic bidding control unit and registered with the auto loan request LA information loading unit and registered as a short sale item by the loan application application management module, by the LA A matching BA information registration monitoring unit for monitoring whether there is a loan loan application case matching a preset condition; When the loan borrowing application case controlled by the LA automatic bidding control unit and matched with the condition set by the LA is selected by the matching BA information registration monitoring unit, according to the information previously designated by the corresponding LA, the LA side A bidding history generating unit for automatically generating bidding details; When the LA bidding history is controlled by the LA automatic bidding control unit and the bidding history generation unit is automatically generated, the LA bidding participation management module communicates with the LA bidding request module for the loan application of the BA. An online auction method loan operating system, characterized in that it comprises an automatic bidding unit for automatically participating in and accepting bidders. 2. The repayment schedule of the loan according to claim 1, wherein the BA is controlled by the short-term loan transaction operation module, and the loan is paid to the BA account through a message terminal held by the BA. After checking whether or not to change the repayment schedule of the loan, if the BA wants to change the repayment schedule of the loan, it is checked whether the LA side permits the change of the repayment schedule through the message terminal held by the LA. And a loan repayment schedule change guide module for selectively automatically changing the repayment schedule of the loan according to the check result. 7. The system of claim 6, wherein the loan repayment schedule change guide module comprises: a loan repayment schedule change procedure control unit configured to collectively control a repayment schedule change procedure of the BA-side loan; A loan repayment history monitoring unit controlled by the loan repayment schedule change procedure controller and checking the BA account to check whether the loan is normally repaid in a situation in which the loan is repaid; If it is controlled by the loan repayment schedule change procedure control unit and the loan repayment history monitoring unit checks that there is an error in the repayment history of the loan, the message is sent to the message terminal held by the BA, and the BA is sent. A loan repayment schedule change checking unit for checking and confirming whether or not the loan repayment schedule is to be changed; Controlled by the loan repayment schedule change procedure control unit, and in response to the message being sent to the message terminal side held by the BA side by the loan repayment schedule change confirming unit, a communication is made with the corresponding message terminal side, and the BA side. A loan repayment schedule change receiving unit for receiving a loan repayment schedule change history; A loan repayment schedule change request notification unit which is controlled by the loan repayment schedule change procedure controller and transmits a message reflecting the loan repayment schedule change history of the BA to the message terminal held by the LA; In the situation where the message controlled by the loan repayment schedule change procedure control unit and the message reflecting the loan repayment schedule change history of the BA is transmitted to the message terminal held by the LA, the message returned from the corresponding message terminal is checked. A loan repayment schedule change allowance checking unit for confirming whether to allow the BA repayment schedule change history at the LA side; Controlled by the loan repayment schedule change procedure control unit, and if it is confirmed by the LA side that the BA side repayment schedule change history is allowed by the loan repayment schedule change allowance check unit, the corresponding result of the short sale And a loan repayment schedule change guide unit for transferring to the transaction operation module and selectively changing the loan repayment schedule of the BA. The method of claim 1, wherein the bidding of each of the LAs for the loan borrowing application of the BA side is determined by the short selling loan management module and determines whether there is a bid of a high profit LA and there is a corresponding bid. The online short sale loan transaction further includes a high profit LA linked bid management module that automatically registers and registers a specific LA that has pre-applied the linked bid with the high profit LA as a bidder for the borrowing application. Operating system. 10. The method according to claim 8, wherein the high profit LA linked bid management module comprises: a high profit LA linked bid control unit configured to collectively control the linked bid participation procedure with the high income LA of the specific LA; A linkage bidding request LA information loading unit controlled by the high yielding LA linkage bidding control unit, and configured to load and store specific LA-related information previously requested for linkage bidding with the high yielding LA; A high profit LA information loading unit controlled by the high profit LA linked bidding control unit, and configured to load and store LA related information having a high profit achievement history; Among the bids of each of the LAs for the loan loan application of the BA side, controlled by the high profit LA linked bid control unit and communicating with the linked bid request LA information loading unit and the high profit LA information loading unit, A high return LA bid monitoring unit that monitors whether a high return LA bid is present; If the bidding control unit is controlled by the high profit LA linked bidding control unit, and the high profit LA bidding monitoring unit determines that there are bids of the high profit LA, the LA bidding history according to the information previously designated by the specific LA. Bid history generation unit for automatically generating; When the high profit LA linked bid control unit is controlled, and the bidding history generation unit automatically generates the LA bidding history, it communicates with the LA bidding participation management module and applies the loan to the BA for the LA. An online auction method loan management system, characterized in that it comprises an automatic bidding unit for automatically accepting and accepting bidders.

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