KR20090001809A - Loan procedure using internet auction system - Google Patents

Abstract

A lending method using an Internet auction system is provided to enable private financing which is illegal to be legal, thereby realizing transparency and safety of formation of private financing culture. A fund user(30) and a fund supplier(40) apply for mortgage lending through an Internet agent server(20), and the fund supplier who is the most advantageous for a condition of the fund user is selected by a bidding method. Loan by a reverse auction for lending funds is available after a bond acquisition procedure is carried out.

Description

Loan procedure using internet auction system

1 is a block diagram of a mediation system of a loan auction method according to the present invention,

2 is a flowchart illustrating the flow of the loan auction method according to the present invention.

Explanation of symbols on the main parts of the invention

10; Internet 20; Intermediary server

30; Funding source 40; Fund Provider

The present invention relates to a member-only Internet loan auction management system, and more specifically, through the information and communication network, the fund provider and the loan provider provided by the fund consumer through the loan application including the collateral contents by using the online security. The present invention relates to a loan method using an internet auction system that enables loan repayment according to two-way conditional disclosure and makes a follow-up management through an internet communication network.

In general, the development of information and communication technology is actively developing information providing technology that provides real-time information to various subscribers through at least one host server through a remote data communication network.

Based on this, in recent years, various electronic financial solutions have been developed, and a variety of internet loan methods have been made in which ordinary individuals can be provided with very convenient electronic financial services.

Recently, the loan auction operation method used through the Internet compares the loan conditions set by each financial period by using the Internet and recommends the financial institutions most favorable to the loan applicants. It is difficult to raise necessary funds at the floor, and the value of collateral falls considerably compared to the cost invested in real estate ownership, resulting in unrealistic adoption of real estate security.

 In addition, there was a problem that a sound loan culture was not created because loans were unilaterally reimbursed by private financial firms with many voices.

In order to solve these problems, the present invention cultivates private banks with a large number of voices, and at the same time, establishes a sound private banking culture, calculates the loan limit conditions proposed by the fund consumers through fair and stable checks on all collateral settings, and publicly discloses the auction statement. Therefore, it is characterized by providing a loan method using the internet auction system by the reverse auction method that the fund provider reads it and decides the lender according to the auction procedure.

Loan method using the Internet auction system of the present invention for achieving the above object, in the real estate mortgage loan method using the Internet, the request of the security loan and the request of the security loan through the Internet intermediary server respectively If the decision is made by the demand of the fund provider, which is the most favorable for the fund provider, the loan can be obtained by reverse auction, which secures the bond securing process and then borrows the funds.

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

1 is a block diagram showing a mediation system of a loan auction method according to the present invention, Figure 2 shows a flow chart of the loan auction method according to the present invention.

As shown in Figure 1 and 2, the loan method using the Internet auction system of the present invention, member registration through the general users connected to the intermediary server 20 using the Internet 10, among the registered members The fund demander 30 and the fund provider 40 apply for a mortgage loan and fund supply through the Internet intermediary server 20, respectively, and the fund demander 30 selects the fund provider 40 closest to the conditions by a bidding method. It is also designed to be able to borrow by reverse auction, which borrows funds after proceeding with the bond acquisition process.

Here, the fund consumer 30 includes the goods and the loan conditions (amount, date, interest rate) to find out whether the loan in advance.

Here, the fund provider 40 further includes applying for reverse auctions by joint participation if other conditions are met but the amount is insufficient compared to the demand for funds.

The member manager of the intermediary server 20 is to be prepared in advance by notifying the money demander 30 and the fund provider 40 at the same time the due date.

The membership registration does not limit individuals and corporations, and if the user agrees to the terms and conditions transmitted from the mediation server 20 with the agreement of the member agreement and the personal information policy, the contents of the agreement are received by the mediation server 20.

Here, the real name confirmation of the member is sent to the resident registration number, name, corporate registration number, business registration number, company name from the member terminal is transmitted to the intermediary server 20, the real name is confirmed through the external credit term server mediation server (20) ) Is received and the presence or absence is transmitted to the member.

In addition, the ID, password, and other necessary information registration is confirmed by the member terminal and the intermediary server 20 by sending and receiving a member registration abnormality transmission.

On the other hand, in the present invention through the information communication network at least one intermediate management server 70 consisting of the Internet 10 connection system between the at least one or more money demanders 30 and the money provider 40 at least one network terminal intermediary server Through 20, the at least one intermediate management server 70 is constructed as a communication network in which simultaneous opening and partial blocking are selectively performed.

Each configuration of the present invention is set to enable communication at all times using the Internet protocol, and the related technology is a known technology, and thus detailed technical description thereof will be omitted.

The configured operation of the present invention configured as described above will be described in order with reference to FIGS. 1 and 2.

The money consumer 30 accesses the intermediary server 20 via the Internet 10 and registers as a member, receives an ID, and creates a mortgage application in a predetermined form and stores it in a database of the intermediary server 20. S1)

Here, the collateral shall cover all real estates, except for movable goods such as ships and medium-terms, and the owners of the real estate shall not be restricted by individuals or corporations.

The mediation server 20 registers and transmits the contents of the collateral and the personal information of the collateral provider, the maximum borrowing interest rate, the loan application amount, the auction bid date and the like to the terminal of the fund consumer 30 with respect to the application. Check the appraisal of the collateral, the appropriateness of the loan application amount, etc. and input the appraiser value and application details of the fund consumer (S2).

In addition, the brokerage server 20 is not allowed to register the change of the loan interest rate or the loan interest rate after registration and re-registration of the loan application amount, but only if there is no auction bidder (S3).

The fund supplier (auction bidder; 40) may register a change within the bidding period even after his auction bid.

When such a procedure is completed, the intermediary server 20 provides the security provider 40 with collateral loan information (such as collateral type loan application amount) to the fund provider 40 to enter the security loan auction and at the same time, the corresponding fund provider ( Receiving the loan information (loan amount, interest rate, due date, etc.) of 40) (S4) receives the management information and provide it to the money consumers (30) to be auctioned (S5).

Here, the intermediary server 20, without limiting the provider 40, individuals and corporations, if the loan amount for the selected item is insufficient compared to the application amount, it is also possible to co-rent with the consignee (S6).

In this way, the fund consumer 30 selects the loan information of the fund provider 40 corresponding to the mortgage loan information provided by the funder, responds to the auction, and selects the fund provider 40 that meets the desired rental conditions. (S7)

Next, the loan supplier of the fund provider 40 is registered (S8). This is to foster a lot of negative finances and to create a sound private finance culture.

When the loan business registration is completed, create a deposit account for the auction deposit (S9), the deposit is confirmed and the auction operator, the intermediary server 20 stores the auction deposit (S10).

When the auction is successful in this way, the intermediary server 20 transmits the result of the auction to the fund consumer 30 and the fund lender 40 by the ledger or wired or wireless to receive the result. After notifying the fee deposit (S11) to delete the goods depending on whether or not received (S12).

In principle, the loan of funds shall be transferred to the fund contributor (30; borrower) account through the unique account of the member of the fund lender 40 after the completion of the registration of the security for the collateral.

The intermediary server 20 is registered in the unique ledger of the money consumer 30 and the money lender 40 can be confirmed by each member from time to time.

If the successful bidder refuses to accept the loan even though the auction is normally terminated, the mediation server 20 may penalize the successful bidder member and deprive the member of the membership if the upper limit is reached.

When the above procedure is completed, the intermediary server 20 checks the repayment date or interest date to manage the date, and manages the management until the completion of the repayment of the money and the due date and interest due date to the fund consumer 20 and the fund lender 40. Notify and understand the Internet communication network (S14).

Here, it will be possible to manage the post-management through the Internet communication network through the wired / wireless network.

The present invention as described above, by cultivating the negative private finance to create a sound private finance culture to achieve transparency and stability, and through the intermediary server provides the security and loan information provided by the demand and funds lenders to the members required in a short time By inducing bidders to participate in the auction of the borrowers who have obtained the loan information, they can induce successful bids to save time and money. Therefore, it is effective to obtain stable and trust through future management.

Claims (6)

In the real estate mortgage loan method using the Internet, Through the Internet brokerage server, the fund consumer and the fund provider can apply for the secured loan and select the fund provider that is most favorable to the conditions of the beneficiary as the bidding method. Loan method using an internet auction system characterized by. The method of claim 1, Loan method using the Internet auction system, characterized in that the consumer of the funds to find out whether the loan in advance by presenting the goods and loan conditions (amount, date, interest rate). The method of claim 1, A fund provider uses an internet auction system to apply for reverse auctions by joint participation if other conditions are met but the amount is insufficient. The method of claim 1, Membership managers can use the Internet auction system to notify the money-consumer and the provider of the due date. The method of claim 1, After the loan by the reverse auction is completed, the expiration date and interest payment date follow-up management through the one of the Internet communication network or wired or wireless network, characterized in that the loan method using the Internet auction system. The method of claim 1, The intermediary server 20 manages the Internet auction intermediary management server 70 networked between the at least one fund consumer and the fund provider through the information communication network while selectively performing simultaneous opening and partial blocking. Loan method using system.

Images