KR20090002040A - System and method for providing reconsideration property security loan stock linked industrial rfid system, server for providing loan stock and program recording medium - Google Patents

Abstract

An inventory mortgage loan prize providing method and system connected to a corporation RFID system, and a loan prize providing server and a program recording medium for the same are provided to create new benefit by predicting demand of funds of a corporation and elevating capital turnover. An inventory mortgage loan prize providing system connected to a corporation RFID system, and a loan prize providing server and a program recording medium for the same comprise a RFID reader transmitting RFID information, read by RFID tag which is attached to the inventory of corporation, to a middleware, a information receiving part(720) collecting the RFID information from the middleware, a predetermined inventory information verification part(725) verifying validity of the inventory information of corporation and a loan processing part(730) handling loan.

Description

System and Method for Providing Reconsideration Property Security Loan Stock Linked Industrial RFID System, Server for Providing Loan Stock and Program Recording Medium}

1 is a diagram illustrating a stock asset collateral loan management system for securing a stock asset of a company in which an RFID system is constructed according to an embodiment of the present invention.

2 is a diagram illustrating a process of registering inventory information in a face-to-face manner according to one embodiment of the present invention.

3 is a diagram illustrating a process of registering inventory information in a face-to-face manner according to another exemplary embodiment of the present invention.

4 is a diagram illustrating a process of registering inventory information in a face-to-face manner according to another exemplary embodiment of the present invention.

5 is a diagram illustrating a process of generating and storing inventory valuation information using inventory asset information in a face-to-face manner according to an embodiment of the present invention.

6 is a diagram illustrating a process of examining inventory security loans using inventory valuation information in a face-to-face manner according to an embodiment of the present invention.

FIG. 7 is a diagram illustrating an inventory asset collateral loan management system that secures an inventory of a company in which an RFID system is constructed according to an embodiment of the present invention.

8 is a diagram illustrating a process of registering inventory information in a face-to-face manner according to an embodiment of the present invention.

9 is a diagram illustrating a process of registering inventory information in a face-to-face manner according to another embodiment of the present invention.

10 is a diagram illustrating a process of registering inventory information in a face-to-face manner according to another exemplary embodiment of the present invention.

11 is a diagram illustrating a process of generating and storing inventory valuation information using inventory asset information in a face-to-face manner according to an embodiment of the present invention.

12 is a diagram illustrating a process of examining inventory security loans using inventory assessment information in a face-to-face manner according to an embodiment of the present invention.

13 is a diagram illustrating RFID tag information according to an embodiment of the present invention.

14 is a diagram illustrating RFID tag information according to another exemplary embodiment of the present invention.

15 is a diagram illustrating RFID tag information according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: financial company server 105: interface unit

110: loan request information receiving unit 115: interface providing unit

120: information receiver 125: inventory confirmation unit

130: loan examination unit 135: collateral setting unit

140 loan processing unit 145: information storage unit

150: storage medium 155: inventory by company D / B

160: financial system 165: registration management server

170: mechanical product code middleware 175: inventory analysis system

180: mechanical product code information service server 185: object naming service code

190: RFID Tag Reader 195: Terminal Device

The present invention provides an RFID information receiving step of receiving an RFID information read from an RFID tag attached to an inventory of a company to a middleware, and collecting the same from the middleware, and receiving the same by a predetermined information receiving means. Inventory information storage step of storing the information on the company's inventory corresponding to the received RFID information in a predetermined storage medium in association with the company information of the company in the information storage means of; An inventory value calculation step of calculating inventory value by analyzing inventory information of the company previously stored in the storage medium by a predetermined inventory analysis means; and a inventory value of the loan requesting company by a predetermined loan processing means. Compares the loan request amount with the loan request, determines whether the loan is possible, and if the loan is available, Loan processing step of setting the collateral to process the loan and the inventory of the collateral processing of the details of the loan processing history of the company and the inventory information of the company set as collateral in response to the loan processing stored in a predetermined storage medium The present invention relates to a method for providing a mortgage loan product in connection with an enterprise RFID system including a storage step.

As current mortgage loans basically set real estate as the main collateral, there is a limitation that even if a company with a high inventory turnover rate cannot be secured by a company with low credit rating or lack of assets.

Contrary to these realistic constraints, the logistics flow of a company is shifting to a real-time logistics system using RFID, and any company equipped with an RFID system can grasp the flow of inventory of the company. Since the real estate mortgage disclosure system is also causing the possibility of introduction, if the security property such as real estate is set as collateral, there is a risk that the real estate registration system will not be able to detect potential trading customers that will become active. There is a problem that gradually increases.

In addition, there is a problem that static financial services, as of now, lose the competitiveness in the real-time business fluctuation trend and are likely to fail to attract customers.

An object of the present invention for solving the above problems is, the RFID reader transmits the RFID information read from the RFID tag attached to the inventory of the company to the middleware, the middleware collects and transmits the information receiving means for receiving it; When the inventory information of the company is received through the in-house asset management system (or ERP system, etc.), the inventory information of the company received through the in-house asset management system and the RFID information received through the middleware Predetermined inventory information verification means for verifying the validity of the inventory information of the company by comparing the inventory information corresponding to the; and the verified inventory asset information of the company in association with the company information of the company. Information storage means for storing in a storage medium, and the pre-stored information stored in the storage medium when a predetermined loan request is made by the company. Set in the inventory which corresponds to the inventory information to the mortgage company has an RFID asset inventory system and linked mortgage product delivery system, including a loan processing means for processing the loan to provide.

According to the present invention, a method of providing an inventory secured loan product in connection with an enterprise RFID system transmits RFID information read from an RFID tag attached to an inventory of a company to a middleware, and collects the information from the middleware. RFID information receiving step of receiving the information by the information receiving means of the information storage means for storing the stock asset information of the company corresponding to the received RFID information in association with the company information of the company to store in a predetermined storage medium An inventory value storing step of calculating inventory value by analyzing inventory information of the company previously stored in the storage medium by a predetermined inventory analysis means when a predetermined loan request is made by the company; Compares the value of the inventory of the loan requesting company and the amount of the loan request at a predetermined loan processing means; After determining whether the loan is possible, the loan processing step of processing the loan by setting the inventory of the company as collateral and the inventory of the company set as collateral in response to the loan processing history and the loan processing of the company And storing the stock asset collateral setting information for linking and storing the information in a predetermined storage medium.

In the method of providing an inventory secured loan product in connection with an enterprise RFID system according to the present invention, when the inventory information of the company is received through the asset management system (or the ERP system) in the enterprise, a predetermined inventory information verification means is provided. Verification of inventory information verifying the validity of inventory information of the company by comparing inventory information of the company received through the asset management system of the company and inventory information corresponding to the RFID information received through the middleware. Characterized in that further comprises a step.

In accordance with the present invention, a method for providing a loan for a secured stock asset in connection with a corporate RFID system includes a server on a communication network, which records information on a loan of the firm and a stock of the firm set as collateral corresponding to the loan processing by a predetermined information transmitting means. (Or the property registration management server sent to) characterized in that it further comprises the step of transmitting the inventory setting security information.

On the other hand, the method for providing a loan for secured stock assets linked to the corporate RFID system according to the present invention, the RFID reader transmits the RFID information read from the RFID tag attached to the inventory of the company to the middleware, and after collecting the information in the middleware When the inventory information corresponding to the RFID information is transmitted, inventory information receiving step of receiving the information in the predetermined information receiving means, and the inventory information of the company received in the predetermined information storage means is linked with the company information of the company Inventory asset information storage step of processing and storing in a predetermined storage medium, and when a predetermined loan request from the company, by analyzing the inventory information of the company previously stored in the storage medium by a predetermined inventory analysis means inventory value An inventory value calculation step of calculating a value and a inventory value of the loan requesting company in a predetermined loan processing means; Compare the loan request amount with the loan request amount and determine whether the loan is possible, and if the loan is available, the loan processing step of processing the loan by setting the inventory of the company as collateral, and responding to the loan processing history and the loan processing of the company; And storing the stock asset collateral setting information stored in a predetermined storage medium by linking and processing the stock asset information of the company set as collateral.

On the other hand, it includes a computer-readable recording medium recording a program for executing the method for providing the loan for the security of the inventory in connection with the enterprise RFID system described above.

On the other hand, the system for providing loans to secured inventory for assets linked to the corporate RFID system according to the present invention, when the RFID reader transmits the RFID information read from the RFID tag attached to the inventory of the company to the middleware, and collects and transmits the information to the middleware. When the inventory information of the company is received through the information receiving means for receiving it and the asset management system (or the ERP system, etc.) in the company, the inventory asset information of the company received through the asset management system and Predetermined inventory information verification means for verifying the validity of inventory information of the company by comparing inventory information corresponding to the RFID information received through the middleware, and the verified inventory asset information of the company; Information storage means for processing in association with the company information stored in a predetermined storage medium, and the predetermined loan request from the company And loan processing means for processing the loan by setting the inventory asset corresponding to the inventory information of the company previously stored in the storage medium as collateral.

On the other hand, the inventory loan product providing server linked to the corporate RFID system according to the present invention, when the RFID reader transmits the RFID information read from the RFID tag attached to the inventory of the company to the middleware, and collects and transmits it in the middleware An information storage unit for receiving the information, an information storage unit for storing the inventory information corresponding to the RFID information in association with the company information of the company, and storing the information in a predetermined storage medium; And a loan processing unit configured to process the loan by setting the inventory asset corresponding to the inventory information of the company previously stored as collateral.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a stock asset collateral loan management system that secures a stock asset of a company in which an RFID system is constructed according to an embodiment of the present invention.

In more detail, in Figure 1, a predetermined corporate customer uses a predetermined information registration interface to secure a stock asset loan operation system, and at least the company information and loan request amount information for the secured loan of the inventory of the company in which the RFID system is constructed. If the loan request information including one or more is provided, the company information included in the loan request information provided in the inventory secured mortgage management system, the loan request amount information and the inventory asset information of the company that submitted the loan request information; The system is configured to store the data in a predetermined storage medium 150 and to approve the loan. If a person of ordinary skill in the art belongs to the present invention, the RFID system will be referred to or modified with reference to FIG. Various implementation methods for the construction of an inventory security loan management system for the asset loan secured by the established company Various implementation methods may be inferred, but the present invention includes the implementation method inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or functional configuration for storing the loan request information provided from the corporate customer through the predetermined information registration interface on the storage medium 150 on the inventory security loan management system shown in FIG. The corresponding component is referred to as the financial institution server 100 for convenience, and the mechanical product code middleware 170 used in the configuration of the present invention may be mixed as middleware.

Referring to FIG. 1 according to an embodiment of the present invention, an inventory security loan operating system for inventory security loans of a company in which the RFID system is constructed includes a terminal device 195 provided at at least one financial institution branch. And a financial system 160 that provides ledger information for processing the secured equity loan of the company in which the RFID system is established, and the secured settlement information transmitted by the financial institution server 100 to apply for the secured equity loan. An inventory registration management server 165 that sets a base mortgage on an inventory of a company, and an inventory analysis system 175 (or inventory asset) that evaluates inventory value using inventory information of the company in which the RFID system is built. Analysis means), an object naming service server for converting mechanical commodity codes into information readable by the financial institution server 100, and the object naming service server; The mechanical product code information service server 180 generates product related information such as the quantity and location of the product attached to the RFID tag in association with the RFID tag, and converts the RFID tag information into the mechanical product code from the RFID tag attached to the product. Or a mechanical product code service middleware that internally processes the mechanical product code converted from RFID tag information and converts it into inventory product information, and processes the inventory security of the company in which the RFID system is constructed from the aforementioned servers and middleware. It comprises a financial company server 100 for receiving the necessary information to process the inventory mortgage loan, the terminal device 195 is provided on the inventory mortgage loan management system through a predetermined financial network It is preferable that the communication channel is connected to the financial institution server 100.

According to an embodiment of the present invention, a mechanical product code is stored in an RFID tag attached to a product produced in a warehouse and a factory of the company requesting the mortgage loan, and the mechanical product code (EPC; Electronic Prod1ct Code) is Information stored in the RFID tag, a number designed to uniquely identify every single product, characterized by having a unique identification number.

According to an embodiment of the present invention, the financial system 160 is connected to at least one or more window terminals provided at branches (or branches) of the financial institution through a predetermined financial network (for example, a branch network). In addition, it is desirable to provide a ledger management and computerized processing function for face-to-face financial transaction processing in connection with the counter terminal for secured loan of inventory of the company in which the RFID system is built.

Referring to FIG. 1, the financial system 160 opens at least one financial account to at least one financial transaction customer and provides at least one financial transaction service based on the financial account (or financial). A computer system provided at an agency's sales office), which is an accounting system that handles a counter service such as credit or reception or trust or foreign exchange occurring in at least one branch (or counter); At least one non-face-to-face provided with an information system that processes information management, interconnection between the financial system 160 and at least one other financial system 160 (or payment system), and / or at least one external communication network. Financial Transaction Means (e.g. Internet Banking, Wireless Banking, IC Chip Based Wireless Banking, Tele Banking, TV Banking, etc.) And an external system that provides access to the financial system 160 and / or provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). In addition, the financial system 160 includes an interface module corresponding to a middleware platform that provides inter-component interfacing between the components of the financial system 160, and performs functions for each function in the components of the financial system 160. And a DBMS (DataBase Management System) including at least one database for storing and managing required information (eg, ledger information, and / or customer information, and / or management information). do.

According to the embodiment of the present invention, the property registration management institution server, the company information delivered by the financial company server 100 in connection with the financial system 160 and the financial company server 100, loan information and inventory, Check the asset valuation information and the collateral setting information, and generate the base mortgage setting information corresponding to the collateral setting information and link it with the company information, the loan information, and the inventory evaluation information of the company applying for the mortgage loan. It is characterized in that the storage in the mountain registration register D / B.

According to the exemplary embodiment of the present invention, the inventory analysis system 175 is transmitted from the financial institution server 100 in association with the financial institution server 100 to provide the company information, the product information, and the parts list information. Receive and verify inventory information including at least one item, and apply the first-in, first-out pricing policy for each finished product, semi-finished product, and raw product in connection with parts information included in the inventory information. To calculate the inventory value of each product and the value of the total inventory of the company applying for the loan for the security of the inventory, it is characterized by generating the inventory information and transmit to the financial institution server 100 .

According to an embodiment of the present invention, the object naming service (ONS) server, in connection with the mechanical product code information service server 180, serves as a library of mechanical product code, and the mechanical product code It converts into a logical address (URL) on the Internet, finds an Internet Protocol (IP) address using the logical address, and confirms detailed information about the corresponding product.

According to an embodiment of the present invention, the electronic product code information service (Electronic Prod1ct Code Information Service) server manages product information and requests information when a physical mark language (PML; Physical Mark1p Lang1age, for example, a person and a terminal device). (195) product description developed for everyone's understanding) to provide the ability to respond to high-level questions similar to language, to identify units of stock, location of stock, and movement paths. It is characterized by providing.

According to an embodiment of the present invention, the mechanical product code service middleware is an open structure device that enables data exchange between an RFID tag reader and an enterprise information system, and monitors a read situation of a real-time RFID tag and sends a warning message. Managing the real-time RFID tag reading information to be transmitted to the mechanical product code information service server 180 or other servers and systems to provide or make available to the financial institution server 100 and to manage the integration and control of various facilities. It features.

In addition, according to another embodiment of the present invention, the mechanical product code service middleware is an open structure device that enables data exchange between an RFID tag reader and an enterprise information system, and monitors and reads a real-time RFID tag reading status. It manages the real-time RFID tag reading information to be sent to the mechanical product code information service server 180 or other servers and systems by sending a message, and also manages the integration and control of various facilities. The product code is processed internally without interworking with the object naming service server and the mechanical product code service middleware to provide the converted product inventory information to the financial company server 100 or the financial company server 100 can be connected and confirmed. It is characterized by doing.

According to an embodiment of the present invention, the RFID tag reader is an apparatus for reading an EPC code from an RFID tag, and includes an antenna and a control device, and the control device includes encoding and decoding, data checking and storage, a tag and a host. It is characterized in that for controlling the communication with.

According to an exemplary embodiment of the present invention, the corporate customer may apply for a predetermined application (for example, a loan for the stock of the company in which the RFID system is established, for a loan for the secured stock of the company in which the RFID system is established). A document with a form for filling in at least one item of information), and when the completed application is submitted to the teller, the teller enters the information entered in the application through a predetermined teller terminal (or And the window terminal transmits the input (or selected) information to the financial institution server 100 through the financial network to the inventory security loan management system.

Here, the terminal device 195 preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, the financial company server 100 connected to the teller terminal is located on the predetermined financial system 160 It is preferable to include a ledger server provided in, wherein the financial network connecting the teller terminal and the financial company server 100 comprises a branch network connecting the communication channel between the teller terminal and the financial company server 100 It is preferable.

In the product asset security loan management system as described above, an application prepared by the corporate customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the financial institution server 100 are provided by the corporate customer. It performs a function of the information registration interface for registering the loan request information for the secured loan of inventory of the company in which the RFID system is built.

The company-specific inventory D / B 155 provided on the product asset security loan management system according to the present invention is provided for the purpose of managing a corporate customer of a financial institution, and is included in the inventory information provided from the middleware. And storing the product information and the parts list information in association with the company information of the company submitting the loan request information, and storing the customer information stored in the company-specific inventory D / B 155 and product information. And loan request information including at least one bill of materials information is used for collateral loan of the company in which the RFID system is built.

The company information includes the company-related information (e.g., business name, business registration number, representative phone number, etc.) and member information of the company customer (e.g., the company customer subscribes as a financial transaction company customer of the financial institution). The member ID information, CIF (C1stomer Information File) number, etc., provided in the corporate customer ledger provided on the financial system 160 linked with the product asset collateral loan management system It is preferable to include at least one or more

The product information includes the product-specific identification information of the finished product (for example, a product or a finished product) loaded in the factory or warehouse owned by the enterprise customer, and the finished product information recording the quantity information of the finished product, and the assembly loaded to produce the finished product. (E.g., a product that is partly assembled as part of a finished product, and can be manufactured on its own or provided as a service consumable) and work-in-process in the production line (e.g., cannot be a product on its own, Product information of the semi-finished product, including all the assembly and work-in-process, which are in the state of assembly and in progress, and moving to the factory or warehouse owned by the enterprise customer for the production of the finished product, Raw materials loaded at a production input point or loaded into a warehouse to produce the semifinished product Commodities (or raw materials that are input to produce semi-finished products, which are produced on their own or purchased and procured from outside), and which are purchased from the country of origin by the enterprise customer to a factory or warehouse owned by the enterprise. And at least one product status information including raw product information recording item identification information and item quantity information of the entire raw product including the moving original product or purchased product).

The parts list information is product configuration information of the finished product and the assembly produced by the enterprise customer, characterized in that it comprises the product process information of the finished product and the assembly, and the relationship information between all the sub-components of the finished product and the assembly do.

For example, the bill of materials information is recorded for the complete sub-component information for the finished product and the product process information for producing the finished product, so that the semi-finished product including the finished product or work in progress and the assembly of the inventory assets owned by the enterprise customer It is desirable to use the bill of materials information to accurately calculate inventory value.

The storage medium 150 provided on the product asset security loan operation system according to the present invention includes the company information and the loan information included in the loan request information provided from the terminal device 195 and the loan request information. The storage device 150 is stored in a predetermined storage medium 150 in association with the submitted stock valuation information of the company, wherein the company information, loan information, and inventory valuation information stored in the storage medium 150 are at least. Product security loan information including one or more is used for collateral loans of the company in which the RFID system is built.

The company information includes the company-related information (e.g., business name, business registration number, representative phone number, etc.) and member information of the company customer (e.g., the company customer subscribes as a financial transaction company customer of the financial institution). The member ID information, CIF (C1stomer Information File) number, etc., provided in the corporate customer ledger provided on the financial system 160 linked with the product asset collateral loan management system It is preferable to include at least one or more

The loan information is information that records the loan requested by the corporate customer to the financial institution, characterized in that it comprises a loan to be processed for the loan, if the loan is approved after the loan screening for the corporate customer.

The inventory evaluation information is characterized in that the inventory analysis system 175 analyzes the inventory information of the corporate customer to include the value of the inventory held by the corporate customer confirmed as a result of the analysis.

For example, the inventory valuation information may be used as valuation information for collateral for processing collateral loans at a business branch (or a window terminal of a branch) of a financial institution that has confirmed the loan request of the corporate customer.

In addition, the inventory asset valuation information is determined by the branch of the financial institution (or the terminal of the branch) when the corporate customer applies for a loan to the branch of the financial institution (or the terminal of the branch). At 175, it is generated by requesting an evaluation of the inventory information of the corporate customer.

The collateral setting information is the financial company server 100, the loan screening result for the corporate customer approved and confirmed the loan processing, the details of the collateral set in the inventory of the corporate customer corresponding to the inventory information of the corporate customer Characterized in that consists of.

For example, the collateral setting information is transmitted to the property registration management server 165 when the financial institution server 100 approves and confirms the loan processing as a result of the loan examination for the corporate customer, and the inventory of the corporate customer. The property registration management server 165, which is used as basic data for requesting collateral setting, checks the collateral setting information, and preferably adds inventory of the company corresponding to the collateral setting information to the collateral details.

The financial company server 100 provided on the product asset collateral loan management system according to the present invention is a generic term for components of the product asset collateral loan management system connected to the terminal device 195 through a predetermined financial network. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the terminal device 195 is a teller terminal connected to a predetermined financial network, the information registration server is located on the financial system 160 connected to the teller terminal through a predetermined financial network. It may be a ledger server provided, or a server (or device) provided in the external system on the financial system 160, or a program provided in the external system on the financial system 160, thereby limiting the present invention. Not.

According to an embodiment of the present invention, the information registration server is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 195 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 195 is a window terminal connected to a predetermined financial network, the interface unit 105 determines the window terminal and the predetermined terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction related program provided in the window terminal.

Referring to FIG. 1, the financial institution server 100 connects a communication channel with the financial institution server 100 through a predetermined terminal device 195 through the interface unit 105, and then connects with the interface unit 105. The interface providing unit 115 generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined loan request information from the terminal device 195 to the terminal device 195. And a loan request information receiving unit (110) for receiving predetermined loan request information transmitted from the terminal device (195) through the user interface in connection with the interface unit (105). Information receiving unit 120 (or receiving information) for receiving the inventory information or inventory mechanical product code information of the corporate customer from the middleware, or receives the inventory evaluation information generated by the inventory analysis system 175 Means), the company information included in the Dongshin registration management server or the loan request information and confirms the inventory information in association with the middleware, or the inventory assets using the company-specific inventory D / B (155) Inventory checking unit 125 for confirming the information, and the loan examination unit 130 (or loan processing means) for processing the loan approval and loan processing for the loan request information of the company using the inventory evaluation information of the company ), And check the company information corresponding to the loan request information that the loan approval and loan processing is confirmed, and set up collateral for the inventory of the company that requested the loan. A security setting unit 135 for generating a beam and transmitting it to the property registration management server 165, a loan processing unit 140 for performing loan processing of loan request information for which loan approval and loan processing are confirmed, and the inventory asset information And an information storage unit 145 for storing information including loan request information and inventory asset valuation information in a predetermined storage medium 150.

The interface providing unit 115 connects a communication channel with the financial institution server 100 through the interface unit 105 through a predetermined terminal device 195, and then the functional configuration provided in the terminal device 195. Correspondingly, a predetermined user interface capable of inputting or selecting the loan request information and transmitting the loan request information to the financial institution server 100 through the financial network, or extracting from a predetermined database (not shown), extracts the interface unit ( In connection with 105, the generated (or extracted) user interface may be provided to the terminal device 195 through the financial network.

According to another embodiment of the present invention, predetermined information registration having at least one user interface for inputting (or selecting) the loan request information to the terminal device 195 and transmitting the loan request information to the information registration server through the financial network. When the program is provided, the interface providing unit 115 for providing the user interface to the terminal device 195 may be omitted, and the present invention is not limited thereto.

The loan request information receiving unit 110 inputs (or selects) loan request information including at least one or more corporate information and loan request amount information from the terminal 195 through the user interface through the financial network. When the transmission, in conjunction with the interface unit 105, characterized in that for receiving the loan request information.

According to the exemplary embodiment of the present invention, when the loan request information receiving unit 110 receives the loan request information, the inventory checking unit 125 and the loan examination unit 130 check the loan request information. In addition, the loan request amount included in the loan request information is checked to process the collateral loan of the inventory of the company in which the RFID system is constructed.

The information receiver 120 receives inventory asset information of the corporate customer transmitted from the middleware, or receives inventory mechanical product code information transmitted from the middleware, or transmits it from the inventory analysis system 175. Characterized in that the received inventory information valuation via a communication network.

According to the exemplary embodiment of the present invention, the inventory asset information or the inventory mechanical product code information received by the information receiving unit 120 is checked by the inventory asset checking unit 125 to inventory the company in which the RFID system is built. It is preferably used for the evaluation of collateral for the treatment of asset-loaned loans, that is, for the valuation of the inventory of the company applying for the loan.

In addition, inventory asset evaluation information received by the information receiving unit 120 is preferably stored in the storage medium 150 in association with the company information applied for the loan by the information storage unit 145.

The inventory checking unit 125 confirms the loan request information confirmed by the loan request information receiving unit 110, and is linked with the mechanical product code information service server 180 and the object naming service server to provide the loan request information. The inventory information corresponding to the company information included in the request to the middleware, characterized in that to check the inventory information collected in the middleware.

According to the exemplary embodiment of the present invention, the inventory checking unit 125 checks the company information included in the loan request information, requests inventory information corresponding to the company information to the middleware, The inventory asset transmitted in connection with the mechanical product code information service server 180 and the object naming service server, and converts the inventory asset mechanical product code into inventory asset information including product information and parts list information through internal processing. It is characterized by checking the information.

According to another exemplary embodiment of the present invention, the inventory asset checking unit 125 confirms the company information included in the loan request information and associates with the mechanical product code information service server 180 and the object naming service server. And requesting the inventory mechanical product code information corresponding to the enterprise information to the middleware, and converting the inventory mechanical product code information transmitted by the middleware into inventory asset information.

According to another exemplary embodiment of the present invention, the inventory checking unit 125 checks the company information included in the loan request information and accesses the middleware, so that the middleware stores the inventory mechanical product code as the mechanical product code. The information service server 180 and the object naming service server in connection with the identification information characterized in that the inventory asset converted.

According to another exemplary embodiment of the present invention, the inventory asset checking unit 125 confirms the company information included in the loan request information, and the mechanical product code information service server 180 and the object naming service server. In connection with the middleware, and check the inventory mechanical product code information corresponding to the company information, and converts and checks the inventory information inside the inventory identification unit 125.

The loan examination unit 130 confirms the loan request information confirmed by the loan request information receiving unit 110 and checks the inventory asset evaluation information of the company corresponding to the loan request information in connection with the inventory asset checking unit 125. And setting a security loan limit on the inventory valuation information, checking loan request amount information against the loan limit, and determining whether to approve loan request information applied by the corporate customer and whether or not to process a loan.

The mortgage setting unit 135 is a mortgage setting for requesting the setting of the base mortgage for the inventory assets of the company that presented the loan request information with respect to the loan request information for which the loan examination unit 130 has approved and loan processing. It generates information, and transmits the security setting information to the information storage unit 145.

For example, the security setting information generated by the security setting unit 135 may be stored in the storage medium 150 in association with the company information, the loan information, and the inventory evaluation information. The information is transmitted to the property registration management server 165 together with the company information, the loan information, and the inventory asset evaluation information, and the property registration management server 165 has the stock of the company applying for the secured mortgage loan. It is preferable to use it as basic information to establish a base mortgage on an asset.

The loan processing unit 140 checks the loan request information in which the loan approval and the loan processing of the loan review unit 130 are determined, and processes the loan amount corresponding to the loan request amount information of the loan request information. do.

According to an exemplary embodiment of the present invention, the information storage unit 145 receives the loan request information received from the loan request information receiver 110 and the inventory asset information received by the information receiver 120 to store the received information. Characterized in that the storage medium is stored in association with the company information requesting the mortgage lending on the medium 150, and also the inventory evaluation information transferred from the inventory analysis system 175, and generated in the collateral setting unit 135 The security setting information is stored in the storage medium 150 in association with the company information.

In addition, according to another embodiment of the present invention, the information storage unit 145 is the loan request information received by the loan request information receiving unit 110, the inventory asset mechanical product code received by the information receiving unit 120 And storing the inventory information converted by the inventory verification unit 125 in association with the company information requesting the mortgage loan on the storage medium 150, and further, the inventory analysis system 175. Inventory asset valuation information transmitted from and the collateral setting information generated by the collateral setting unit 135 is stored in the storage medium 150 in association with the company information.

2 is a diagram illustrating a process of registering inventory information in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIG. 2 is an embodiment of the method for collecting and storing inventory asset information through the predetermined communication network by the financial institution server 100 of the inventory asset security loan management system shown in FIG. Those skilled in the art will be able to infer various implementation methods for registering the inventory information with the information registration server at the window terminal by referring to or modifying the present invention. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the terminal device 195 illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the financial institution server 100 illustrated in FIG. 1 is referred to as a “server” for convenience.

2, the server checks the loan request information and inputs it to the server (200), and checks the company information and the loan request amount information included in the loan request information (205) and links with the server. The predetermined D / B is searched to determine whether there is company information matching the company information (210).

If it is confirmed that the corporate information matching the corporate information exists as a result of the verification (215), the server generates a existence confirmation message of the corporate information and transmits it to the terminal device 195 of the corporate customer (220). This concludes the process of registering inventory information.

On the other hand, if it is confirmed that there is no company information matching the company information (215), the server requests the inventory information corresponding to the company information to the middleware (225), the middleware is the inventory Upon confirming the request for the asset information (230), only the mechanical product code corresponding to the inventory asset information among the information read by the RFID tag reader from the middleware is collected (235), and the mechanical product code collected by the middleware is object naming service. By converting the inventory information to the server and the mechanical commodity code service server (240), and transmits the inventory information converted from the middleware to the server (245), by checking and storing the inventory information in the server A series of procedures for registering the inventory information is concluded.

3 is a diagram illustrating a process of registering inventory information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIG. 3 is an embodiment of the method for collecting and storing inventory asset information through the predetermined communication network by the financial institution server 100 of the inventory asset security loan management system shown in FIG. Those skilled in the art will be able to infer various implementation methods for registering the inventory information with the information registration server at the window terminal by referring to or modifying the drawing 3. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 3, the terminal device 195 illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the financial institution server 100 illustrated in FIG. 1 is referred to as a “server” for convenience.

Referring to FIG. 3, the server checks loan request information and inputs it to the server (300), checks the enterprise information and loan request amount information included in the loan request information (305), and is connected with the server. A search for a predetermined D / B determines whether there is company information matching the company information (310).

If it is confirmed that the corporate information matching the corporate information exists as a result of the verification (315), the server generates a presence confirmation message of the corporate information and transmits it to the terminal device 195 of the corporate customer (320). This concludes the process of registering inventory information.

On the other hand, if it is confirmed that there is no corporate information matching the corporate information (315), the server connects to the middleware (325), and the server accessing the middleware is read by the RFID tag reader. Of the information, only the mechanical product code corresponding to the inventory mechanical product code is collected (330).

Thereafter, the middleware converts the collected mechanical product codes into inventory asset information in association with an object naming service server and a mechanical product code service server (335), and the server checks and extracts the inventory asset information converted from the middleware ( 340, by storing the inventory information checked and extracted by the server by accessing the middleware (345), the series of processes for registering the inventory information is completed by identifying and storing the inventory information in the server. .

4 is a diagram illustrating a process of registering inventory information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIG. 4 is an embodiment of the method for collecting and storing inventory asset information through the predetermined communication network by the financial institution server 100 of the inventory asset security loan management system shown in FIG. Those skilled in the art to which the present invention pertains may refer to various embodiments of the present invention by inferring or modifying the present invention, and inferring various methods of registering the inventory information from the counter terminal to the information registration server. Includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the terminal device 195 illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the financial institution server 100 illustrated in FIG. 1 is referred to as a “server” for convenience.

4, the server checks the loan request information and inputs it to the server (400), checks the company information and the loan request amount information included in the loan request information (405), and is connected with the server. The predetermined D / B is searched to determine whether there is company information matching the company information (410).

If the check result confirms that there is a company information matching the company information (415), the server requests the inventory asset mechanical product code corresponding to the company information to the middleware (425), the middleware is inventory By checking the asset mechanical product code request (430), only the mechanical product code corresponding to the inventory mechanical product code of the information read by the RFID tag reader in the middleware is collected (435).

Thereafter, the mechanical product code collected by the middleware is transmitted to the server (440), and the inventory asset mechanical product code is checked by the server and converted into inventory asset information in association with the object naming service server and the mechanical product code service server ( 445, by checking and storing the inventory information at the server (450), a series of processes for registering the inventory information is completed.

5 is a diagram illustrating a process of generating and storing inventory valuation information using inventory asset information in a face-to-face manner according to an embodiment of the present invention.

In more detail, Figure 5 is a method for the financial institution server 100 to collect and store the inventory valuation information using inventory information through a predetermined communication network, which is common in the art Those skilled in the art will be able to infer various implementation methods of generating and storing the inventory valuation information in the terminal device 195 by referring to or modifying the drawing 5, but the present invention provides all the implementation methods inferred. It includes, and is not limited to the embodiment shown in FIG.

Hereinafter, in FIG. 5, the terminal device 195 illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the financial institution server 100 illustrated in FIG. 1 is referred to as a “server” for convenience.

Referring to FIG. 5, the server checks whether the loan request information and the inventory information match (500), and if the matching between the loan request information and the inventory information is not confirmed (505), the server By generating the error information and transmitting to the terminal (510), a series of processes for generating inventory valuation information is terminated.

On the other hand, if it is determined that the loan request information and the inventory information match (500), and if it is determined that the loan request information and the inventory information (505), the server analyzes the inventory information inventory information When transmitting to the system 175 (515), the inventory analysis system 175 checks the inventory information received from the server (520), the inventory classification system responds to the inventory information by the first-in first-out method When the inventories valuation information is generated (525) and the inventory analysis system 175 transmits the inventory evaluation information to the server (530), the server receives the received inventory analysis system 175 By checking the inventory valuation information (535), by storing the inventory valuation information in the storage medium 150 in association with the company information in the server (540), a series for generating inventory valuation information Thereby terminating the process.

6 is a diagram illustrating a process of examining inventory security loans using inventory assessment information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates an implementation method for the financial institution server 100 for examining and approving an inventory mortgage loan using inventory asset valuation information through a predetermined communication network. Those skilled in the art will be able to infer various implementation methods for examining and approving the loan per inventory in the terminal device 195 by referring to or modifying the present invention. It includes all implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the terminal device 195 illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the financial institution server 100 illustrated in FIG. 1 is referred to as a “server” for convenience.

Referring to FIG. 6, the server checks whether the loan request information and the inventory valuation information are matched (600), and if the matching of the loan request information and the inventory valuation information is not confirmed, the server By generating (extracting) the error information and transmitting it to the terminal (610), a series of processes for examining the inventory security loan using the inventory valuation information is terminated.

On the other hand, when the matching of the loan request information and the inventory valuation information is confirmed, the server checks the loan request information and inventory valuation information (615), and determines the loan limit amount based on the inventory valuation information In operation 620, the loan request amount information is compared with the loan limit amount to determine whether the loan is approved (625).

If the loan limit amount checked by the server is equal to or less than the loan request amount of the customer (630), the server generates a loan impossibility message for the loan request and transmits it to the terminal device 195 (635). The inventory valuation information is used to conclude the process of reviewing the mortgage loan.

On the other hand, when the loan limit amount confirmed by the server is greater than the loan request amount of the customer (630), the server approves the loan of the inventory asset to the enterprise customer corresponding to the loan request information, and the loan of the loan request amount Definite set (640), and generates the collateral setting information is stored in the storage medium 150 with the firm information secured the inventory mortgage loan (645), and transmits the collateral setting information to the property registration management server (165) ( 650).

Subsequently, the server generates a loan processing history message and transmits it to the terminal device 195 (655), thereby terminating a series of processes of examining the inventory security loan using inventory asset valuation information.

FIG. 7 is a diagram illustrating an inventory asset collateral loan management system that secures an inventory of a company in which an RFID system is constructed according to an embodiment of the present invention.

In more detail, Figure 7 shows that a predetermined corporate customer provides at least a company information and a loan request amount information for a secured mortgage of a company in which the RFID system is established through a predetermined information registration interface. If the loan request information including one or more is provided, the company information included in the loan request information provided in the inventory secured mortgage management system, the loan request amount information and the inventory asset information of the company that submitted the loan request information; The system is configured to store the data in a predetermined storage medium 750 and to approve the loan. If a person of ordinary skill in the art belongs to the present invention, the RFID system will be referred to or modified with reference to FIG. Various implementation methods for the construction of an inventory security loan management system for the asset loan secured by the established company Various implementation methods may be inferred, but the present invention includes the implementation method inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or functional configuration for storing the loan request information provided from the corporate customer through the predetermined information registration interface on the storage medium 750 on the inventory security loan management system shown in FIG. 7. The corresponding component is referred to as the financial institution server 700 for convenience, and the mechanical product code middleware 770 used in the configuration of the present invention may be mixed as middleware.

Referring to FIG. 7 according to an embodiment of the present invention, an inventory security loan operating system for inventory security loans of a company in which the RFID system is constructed includes: a terminal device provided at at least one financial institution branch; The financial system 760 provides the ledger information for the processing of the collateral loans of the companies in which the RFID system is established, and the collateral setting information transmitted from the financial institution server 700 to check the collateral setting information of the companies applying for the collateral loans. A property registration management server (165) (765) for setting a base mortgage on the inventory, an inventory analysis system (775) (or inventory asset analyzing means) for evaluating the value of the enterprise inventory asset on which the RFID system is constructed, and Enterprise resource management server 780 (or asset management system) that grasps company-wide resource information of the company in which the RFID system is built and manages the overall company's resources, and mechanical products. An object naming service server for converting the card into decodable information by the financial institution server 700, and in association with the object naming service server, generating product related information such as quantity and location of the RFID tagged product. Mechanical product code information service server 785 and a mechanical product that converts RFID tag information into a mechanical product code from an RFID tag attached to a product, or mechanically converts the mechanical product code converted from RFID tag information into inventory product information. It comprises a product code service middleware, and the financial company server 700 for receiving the information necessary for the processing of the inventory mortgage loan of the company in which the RFID system is built from each server and the middleware mentioned above to process the inventory mortgage loan; Characterized in that, the terminal device is operated through the predetermined financial network the mortgage loans It is the bank server 700 and the communication channel is provided on the stem connection is preferred.

According to an embodiment of the present invention, a mechanical product code is stored in an RFID tag attached to a product produced in a warehouse and a factory of a company requesting a mortgage loan, and the mechanical product code (EPC; Electronic Prod7ct Code) is an RFID. Information stored in the tag, a number designed to uniquely identify every single product, characterized by having a unique identification number.

According to an embodiment of the present invention, the financial system 760 is connected to at least one or more window terminals provided at branches (or branches) of the financial institution through a predetermined financial network (for example, a branch network). In addition, it is desirable to provide a ledger management and computerized processing function for face-to-face financial transaction processing in connection with the counter terminal for secured loan of inventory of the company in which the RFID system is built.

Referring to FIG. 7, the financial system 760 may open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. A computer system provided at an agency's sales office), which is an accounting system that handles a counter service such as credit or reception or trust or foreign exchange occurring in at least one branch (or counter); At least one non-face-to-face provided with an information system that processes information management, the interconnection between the financial system 760 and at least one other financial system 760 (or payment system), and / or at least one external communication network. Financial Transaction Means (e.g., Internet Banking, Wireless Banking, IC Chip Based Wireless Banking, Tele Banking, TV Banking, etc.) And external systems that provide access to the financial system 760 and / or various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). In addition, the financial system 760 is an interface module corresponding to a middleware platform that provides inter-component interfacing between the components of the financial system 760 and for performing each function in the components of the financial system 760. And a DBMS (DataBase Management System) including at least one database for storing and managing required information (eg, ledger information, and / or customer information, and / or management information). do.

According to the embodiment of the present invention, the real estate registration management institution server, the corporate information delivered by the financial company server 700 in connection with the financial system 760 and the financial company server 700, loan information and inventory Check the asset valuation information and the collateral setting information, and generate the base mortgage setting information corresponding to the collateral setting information and link it with the company information, the loan information, and the inventory evaluation information of the company applying for the mortgage loan. It is characterized in that the storage in the mountain registration register D / B.

According to the exemplary embodiment of the present invention, the inventory analysis system 775 is transmitted from the financial institution server 700 in association with the financial institution server 700 to provide the company information, the product information, and the parts list information. Receive and verify inventory information including at least one item, and apply the first-in, first-out pricing policy for each finished product, semi-finished product, and raw product in connection with parts information included in the inventory information. To calculate the inventory value of each product and the total value of the inventory of the company applying for the mortgage loan, to evaluate the inventory asset generation information and characterized in that it is sent to the financial institution server 700 .

According to an embodiment of the present invention, the enterprise resource planning (ERP) server is a server that receives all resource information of the enterprise and performs enterprise-wide management of all resources, the mechanical product code middleware 770 Directly receives the mechanical product code, converts the mechanical product code into inventory asset information in association with the mechanical product code information service server 785 and the object name service code server, and stores it in a predetermined D / B. And it is characterized by utilizing in the resource management of the enterprise.

According to another exemplary embodiment of the present invention, the enterprise resource planning (ERP) server is a server that receives all resource information of the enterprise and performs enterprise-wide management of all resources, wherein the mechanical product code middleware ( 770 checks and converts the inventory information of the mechanical goods code in association with the mechanical goods code information service server 785 and the object name service code server and stores them in a predetermined D / B to utilize them for resource management of the enterprise. It is characterized by.

According to an embodiment of the present invention, the object naming service (ONS) server, in conjunction with the mechanical product code information service server 785, serves as a library of mechanical product code, and the mechanical product code It converts into a logical address (URL) on the Internet, finds an Internet Protocol (IP) address using the logical address, and confirms detailed information about the corresponding product.

According to an embodiment of the present invention, the electronic product code information service (Electronic Prod7ct Code Information Service) server manages product information and requests information when the physical mark language (PML; Physical Mark7p Lang7age, for example, people and terminal devices). Product descriptions developed for everyone's understanding, and the ability to respond to high-level questions similar to the language by identifying the unit of inventory, the location of the inventory, the route of movement, etc. It features.

According to an embodiment of the present invention, the mechanical product code service middleware is an open structure device that enables data exchange between an RFID tag reader and an enterprise information system, and monitors a read situation of a real-time RFID tag and sends a warning message. It is characterized by managing the real-time RFID tag reading information to be transmitted to the mechanical product code information service server 785 or other servers and systems, and also to manage the integration and control of various facilities.

In addition, according to another embodiment of the present invention, the mechanical product code service middleware is an open structure device that enables data exchange between an RFID tag reader and an enterprise information system, and monitors and reads a real-time RFID tag reading status. It manages the real-time RFID tag reading information to be sent to the mechanical product code information service server 785 or other servers and systems by sending messages, and also manages the integration and control of various facilities. The product code is internally processed without interworking with the object naming service server and the mechanical product code service middleware to provide the converted product stock information.

According to an embodiment of the present invention, the RFID tag reader is an apparatus for reading an EPC code from an RFID tag, and includes an antenna and a control device, and the control device includes encoding and decoding, data checking and storage, a tag and a host. It is characterized in that for controlling the communication with.

According to an exemplary embodiment of the present invention, the corporate customer may apply for a predetermined application (for example, a loan for the stock of the company in which the RFID system is established, for a loan for the stock of the company in which the RFID system is established). A document with a form for filling in at least one item of information), and when the completed application is submitted to the teller, the teller enters the information entered in the application through a predetermined teller terminal (or And the window terminal transmits the input (or selected) information to the financial institution server 700 through the financial network to the inventory security loan management system.

Here, the terminal device preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, the financial company server 700 connected to the teller terminal is provided on the predetermined financial system 760 It is preferable to include a ledger server, and the financial network connecting the teller terminal and the financial company server 700 preferably includes a branch network connecting the communication channel between the teller terminal and the financial company server 700. .

In the product asset collateral loan management system as described above, the application form prepared by the corporate customer, the teller terminal used by the teller staff and the financial network connecting the teller terminal and the financial company server 700, the corporate customer said It performs the function of the information registration interface for registering loan request information for collateral loans of companies with RFID system.

The company-specific inventory D / B 755 provided on the product asset security loan management system according to the present invention includes the product information and the parts list information included in the inventory information provided from the middleware, and the loan request information. It is characterized in that the association process and store the company information of the submitted company, and the loan request including at least one or more of the customer information, product information, and parts list information stored in the company-specific inventory assets D / B (755) The information is used for the mortgage loan of the company in which the RFID system is built.

The company information includes the company-related information (e.g., business name, business registration number, representative phone number, etc.) and member information of the company customer (e.g., the company customer subscribes as a financial transaction company customer of the financial institution). The member ID information, CIF (C7stomer Information File) number, etc., provided in the corporate customer ledger provided on the financial system 760 linked to the product asset collateral loan management system. It is preferable to include at least one or more

The product information includes the product-specific identification information of the finished product (e.g., the product or the finished product) loaded in the factory or warehouse owned by the enterprise customer, and the finished product information recorded with the finished product quantity information, and the assembly loaded to produce the finished product ( For example, part-assembly is completed as part of a finished product, so that the product can be manufactured on its own or provided as a service consumable, and work in-producing in the production line (e.g., cannot be a product on its own, The product information of the semi-finished product and the semi-finished product information of the semi-finished product, including all the assemblies and work in progress moving to the factory or warehouse owned by the enterprise customer for the production of the finished product); Raw materials loaded at production input points or in warehouses to produce the semifinished products Commodities (or purchased products, for example, raw materials that are input to produce semi-finished products, which are produced on their own or purchased and procured from outside), and which are purchased by the enterprise customer from their country of origin to a factory or warehouse owned by the enterprise. And at least one product status information including raw product information recording item identification information and item quantity information of the entire raw product including the moving original product or purchased product).

The parts list information is product configuration information of the finished product and the assembly produced by the enterprise customer, characterized in that it comprises the product process information of the finished product and the assembly, and the relationship information between all the sub-components of the finished product and the assembly do.

For example, since the parts list information includes all sub-component information about the finished product and product process information for producing the finished product, inventory of the semi-finished product including the finished product or the finished product and the assembly among the inventory assets owned by the enterprise customer is recorded. It is desirable to use the bill of materials information to accurately calculate the asset value.

The storage medium 750 provided on the product asset security loan management system according to the present invention includes the company information included in the loan request information provided from the terminal device and the loan request information submitted by the loan request information. It is characterized by storing in a predetermined storage medium 750 by processing in conjunction with the inventory information of the storage, the company information, loan information and inventory information stored in the storage medium 750 includes at least one The product security loan information is used to secure the loan of the inventory of the company in which the RFID system is built.

The company information includes the company-related information (e.g., business name, business registration number, representative phone number, etc.) and member information of the company customer (e.g., the company customer subscribes as a financial transaction company customer of the financial institution). The member ID information, CIF (C7stomer Information File) number, etc., provided in the corporate customer ledger provided on the financial system 760 linked to the product asset collateral loan management system. It is preferable to include at least one or more

The loan information is information that records the loan requested by the corporate customer to the financial institution, characterized in that it comprises a loan to be processed for the loan, if the loan is approved after the loan screening for the corporate customer.

The inventory evaluation information is characterized in that the inventory analysis system 775 analyzes the inventory information of the corporate customer, and includes the value of the inventory held by the corporate customer confirmed as a result of the analysis.

For example, the inventory valuation information may be used as valuation information for collateral for processing collateral loans at a business branch (or a window terminal of a branch) of a financial institution that has confirmed the loan request of the corporate customer.

In addition, the inventory asset valuation information is determined by the branch of the financial institution (or the terminal of the branch) when the corporate customer applies for a loan to the branch of the financial institution (or the terminal of the branch). At 775, it is generated by requesting an evaluation of the inventory information of the corporate customer.

The collateral setting information is the financial company server 700, the loan screening result for the corporate customer approved and confirmed the loan processing, the details of the collateral set in the inventory of the corporate customer corresponding to the inventory information of the corporate customer Characterized in that consists of.

For example, the collateral setting information is transmitted to the property registration management server (165) (765) when the financial company server 700 approved and confirmed the loan processing result of the loan screening for the corporate customer, the inventory of the corporate customer It is used as basic data for requesting collateral setting for an asset, and the property registration management server (165) (765) which has confirmed the collateral setting information adds the inventory asset of the company corresponding to the collateral setting information to the collateral details. desirable.

The financial institution server 700 provided on the product asset collateral loan management system according to the present invention is a generic term for the component of the asset asset collateral loan management system connected to the terminal device through a predetermined financial network. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device is a teller terminal connected to a predetermined financial network, the information registration server is a ledger provided on the financial system 760 connected to the teller terminal through a predetermined financial network. It may be a server, or a server (or device) provided in the external system on the financial system 760, or a program provided in the external system on the financial system 760, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server is characterized in that it comprises an interface unit 705 for connecting and managing a predetermined communication channel with the terminal device through the financial network.

According to an embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the interface unit 705 may communicate with the window terminal and a predetermined communication channel based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by using the communication protocol defined in the financial transaction-related program provided in the window terminal.

Referring to FIG. 7, the financial institution server 700 connects a communication channel with the financial institution server 700 through the interface unit 705, and then interoperates with the interface unit 705. An interface providing unit 715 for generating (or extracting) a predetermined user interface for the terminal device to input (or select) and transmit predetermined loan request information to the terminal device, and the interface unit 705; Loan request information receiving unit 710 for receiving predetermined loan request information to be input (or selected) transmitted by the terminal device through the user interface. Information receiving unit 720 (or information receiving means) for receiving the inventory information or inventory mechanical product code information of the corporate customer from the middleware, or receives the inventory evaluation information generated by the inventory analysis system 775 And a stock asset checking unit 725 (or 725) for checking the company information included in the loan request information from the Dongshin registration management server or the like and comparing and confirming each stock asset information in association with the electronic resource management server and the middleware. A loan examination unit 730 (or loan processing means) for processing loan approval and loan processing for the loan request information of the company by using the inventory information verification means), the inventory evaluation information of the company, and loan approval And check the company information corresponding to the loan request information for which the loan processing is confirmed, and secure the stock asset of the company that requested the loan. A security setting unit 735 for generating and transmitting the information to the property registration management server 165 and 765, and a loan processing unit 740 for performing loan processing of loan request information for which loan approval and loan processing are confirmed; And an information storage unit 745 for storing information on the stock asset information, loan request information, and inventory asset evaluation information in a predetermined storage medium 750.

The interface providing unit 715 connects the communication channel with the financial institution server 700 through the interface unit 705, and then the loan request information corresponding to the functional configuration provided in the terminal device. Generate or select a user interface that can be transmitted to the financial institution server 700 through the financial network, or extract from a predetermined database (not shown), and link with the interface unit 705 to generate the predetermined user interface. And providing the generated (or extracted) user interface to the terminal device through the financial network.

According to another embodiment of the present invention, a predetermined information registration program having at least one user interface for inputting (or selecting) the loan request information to the terminal device and transmitting the loan request information to the information registration server through the financial network is provided. When provided, the interface providing unit 715 for providing the user interface to the terminal device may be omitted, and the present invention is not limited thereto.

When the loan request information receiving unit 710 inputs (or selects) loan request information including at least one or more corporate information and loan request amount information through the user interface, the terminal device transmits the request through the financial network. In response to the interface unit 705, the loan request information is received.

According to the exemplary embodiment of the present invention, when the loan request information receiving unit 710 receives the loan request information, the inventory checking unit 725 and the loan review unit 730 check the loan request information. In addition, the loan request amount included in the loan request information is checked to process the collateral loan of the inventory of the company in which the RFID system is constructed.

The information receiver 720 receives inventory asset information of the corporate customer transmitted from the middleware, or receives inventory mechanical product code information transmitted from the middleware, or transmits from the inventory analysis system 775. Characterized in that the received inventory information or received inventory information transmitted from the electronic resource management server via a communication network.

According to the exemplary embodiment of the present invention, the inventory asset information or the inventory mechanical product code information received by the information receiving unit 720 is confirmed by the inventory asset checking unit 725, and the stock of the company in which the RFID system is constructed. It is preferably used for the evaluation of collateral for the treatment of asset-loaned loans, that is, for the valuation of the inventory of the company applying for the loan.

In addition, inventory asset evaluation information received by the information receiving unit 720 is preferably stored in the storage medium 750 in association with the company information applied for the loan by the information storage unit 745.

The inventory asset checking unit 725 confirms the loan request information confirmed by the loan request information receiving unit 710, and is linked with the mechanical product code information service server 785 and the object naming service server 790. The inventories request inventory asset information corresponding to the company information included in the loan request information to the middleware, or check inventory information collected on the middleware.

According to one embodiment of the present invention, the inventory checking unit 725 checks the company information included in the loan request information, requests inventory information corresponding to the company information to the middleware, and the middleware The inventory information transmitted in connection with the mechanical product code information service server 785 and the object naming service server, and converts the inventory asset mechanical product code into inventory asset information including product information and parts list information through internal processing. Characterized in that the check.

According to another exemplary embodiment of the present invention, the inventory asset checking unit 725 checks the company information included in the loan request information, and the mechanical product code information service server 785 and the object naming service server 790. And the inventory mechanical product code information corresponding to the enterprise information to the middleware, and converts the inventory mechanical product code information transmitted by the middleware into inventory asset information.

According to another exemplary embodiment of the present invention, the inventory checking unit 725 checks the company information included in the loan request information and accesses the middleware, so that the middleware sends the inventory mechanical product code to the mechanical product code. The information service server 785 and the object naming service server is characterized in that it checks the converted inventory information.

According to another exemplary embodiment of the present invention, the inventory asset checking unit 725 checks the company information included in the loan request information, and the mechanical product code information service server 785 and the object naming service server ( In connection with 790, access to the middleware and check the inventory mechanical product code information corresponding to the company information, and converts and confirms the inventory asset information in the inventory asset identification unit 725.

According to another exemplary embodiment of the present invention, the inventory checking unit 725 checks the company information included in the loan request information and requests inventory information from the enterprise resource management server 780 and the middleware. Verifying the inventory information of the enterprise resource management server 780 transmitted through the communication network, checking the inventory information of the middleware, and verifying the validity of the inventory information by comparing the inventory information. It features.

According to another exemplary embodiment of the present invention, the inventory checking unit 725 checks the company information included in the loan request information, and accesses the enterprise resource management server 780 and the middleware to the inventory asset. Check the information, compare and confirm the inventory information of the enterprise resource management server 780 and the inventory information of the middleware, and verify the validity of the inventory information by comparing the inventory information. It is done.

The loan examination unit 730 checks the loan request information confirmed by the loan request information receiving unit 710 and checks the inventory asset evaluation information of the company corresponding to the loan request information in connection with the inventory asset checking unit 725. And setting a security loan limit on the inventory valuation information, checking loan request amount information against the loan limit, and determining whether to approve loan request information applied by the corporate customer and whether or not to process a loan.

The mortgage setting unit 735 is a mortgage setting request for setting a mortgage based on the inventories of the companies that presented the loan request information with respect to the loan request information that the loan examination unit 730 has approved and loan processing. It generates information, and transmits the security setting information to the information storage unit 745.

For example, the security setting information generated by the security setting unit 735 may be stored in the storage medium 750 in association with the company information, the loan information, and the inventory asset evaluation information. The information is transmitted to the property registration management server 165 together with the company information, the loan information, and the inventory asset evaluation information, and the property registration management server 165 has the stock of the company applying for the secured loan of inventory. It is preferable to use it as basic information to establish a base mortgage on an asset.

The loan processing unit 740 checks the loan request information of the loan approval and loan processing of the loan review unit 730, and performs a loan process corresponding to the loan request amount information of the loan request information. do.

According to an exemplary embodiment of the present invention, the information storage unit 745 receives the loan request information received by the loan request information receiver 710 and inventory asset information received by the information receiver 720 to receive the information. Characterized in that the storage medium 750 is stored in association with the company information requested for the mortgage loan, and also the inventory evaluation information transferred from the inventory analysis system 775 and the collateral setting unit 735 The generated collateral setting information is stored in the storage medium 750 in association with the company information.

In addition, according to another embodiment of the present invention, the information storage unit 745 is the loan request information received by the loan request information receiving unit 710 and the inventory asset mechanical product code received by the information receiving unit 720 The inventory information converted by the inventory verification unit 725 is stored in the storage medium 750 in association with the company information requested for the mortgage loan, and also the inventory analysis system 775 Inventory storage evaluation information delivered from the, and the collateral setting information generated by the collateral setting unit 735 is characterized in that the storage in the storage medium 750 in association with the corporate information.

8 is a diagram illustrating a process of registering inventory information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 8 is an embodiment of a method for collecting and storing inventory information of a stock asset mortgage management system shown in FIG. 7 by a financial institution server 700 through a predetermined communication network. Those skilled in the art will be able to infer various implementation methods for registering the inventory information from the counter terminal to the information registration server by referring to or modifying the present invention. Includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the terminal device illustrated in FIG. 7 is referred to as a “terminal” for convenience, and the financial institution server 700 illustrated in FIG. 7 is referred to as a “server” for convenience.

Referring to FIG. 8, the server checks loan request information and inputs it to the server (800), and checks corporate information and loan request amount information included in the loan request information (805), and is connected with the server. A predetermined D / B is searched to determine whether there is company information matching the company information (810).

If, as a result of the check, it is confirmed that there is enterprise information matching the company information (815), the server generates a presence confirmation message of the company information and transmits it to the terminal device of the enterprise customer (820), inventory asset This concludes the process of registering information.

On the other hand, if it is confirmed that there is no company information matching the company information (815), the server requests the inventory information corresponding to the company information to the middleware (825), the middleware is the inventory Upon confirming the request for asset information (830), only the mechanical product code corresponding to the inventory asset information among the information read by the RFID tag reader from the middleware is collected (835), and the mechanical product code collected by the middleware is used for object naming service. By converting the inventory information to the server and mechanical commodity code service server (840), and transmits the inventory information converted from the middleware to the server (845), by checking and storing the inventory information in the server A series of procedures for registering the inventory information is concluded.

9 is a diagram illustrating a process of registering inventory information in a face-to-face manner according to another embodiment of the present invention.

In more detail, FIG. 9 is an embodiment of a method for collecting and storing inventory asset information through a predetermined communication network by a financial institution server 700 of an inventory asset security loan management system illustrated in FIG. 7. Those skilled in the art will be able to infer various implementation methods for registering the inventory information from the counter terminal to the information registration server by referring to or modifying the present invention. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the terminal device illustrated in FIG. 7 is referred to as a “terminal” for convenience, and the financial institution server 700 illustrated in FIG. 7 is referred to as a “server” for convenience.

9, the server checks the loan request information and inputs it to the server (900), checks the company information and the loan request amount information included in the loan request information (905), and is connected with the server. The predetermined D / B is searched to determine whether there is company information matching the company information (910).

If, as a result of the check, it is confirmed that there is company information matching the company information (915), the server generates a confirmation message of the company information and transmits it to the terminal device of the enterprise customer (920), inventory assets This concludes the process of registering information.

On the other hand, if it is confirmed that there is no company information matching the company information (915), the server connects to the middleware (925), and the server accessing the middleware is read by the RFID tag reader. Of the information, only the mechanical product code corresponding to the inventory mechanical product code is collected (930).

Thereafter, the middleware converts the collected mechanical product codes into inventory asset information in association with an object naming service server and a mechanical product code service server (935), and the server checks and extracts the inventory asset information converted from the middleware. (940), the server accesses the middleware and stores the inventory information checked and extracted (945), thereby terminating a series of processes for registering the inventory information by identifying and storing the inventory information in the server. Done.

10 is a diagram illustrating a process of registering inventory information in a face-to-face manner according to another embodiment of the present invention.

In more detail, FIG. 10 illustrates an embodiment of a method for collecting and storing inventory asset information through a predetermined communication network by the financial institution server 700 of the inventory asset security loan management system illustrated in FIG. 7. Those skilled in the art will be able to infer various implementation methods for registering the inventory information with the information registration server at the window terminal by referring to or modifying the drawing 10. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the terminal device illustrated in FIG. 7 is referred to as a “terminal” for convenience, and the financial institution server 700 illustrated in FIG. 7 is referred to as a “server” for convenience.

Referring to FIG. 10, the server checks loan request information and inputs it to the server (1000), checks the enterprise information and loan request amount information included in the loan request information (1005), and is connected with the server. In operation 1010, a search for a predetermined D / B determines whether there is company information matching the company information.

If it is determined that there is enterprise information matching the enterprise information as a result of the checking (1015), the server requests the inventory asset mechanical product code corresponding to the enterprise information to the middleware (1025), and the middleware is in stock When the asset mechanical product code request is confirmed (1030), only the mechanical product code corresponding to the inventory mechanical product code among the information read by the RFID tag reader in the middleware is collected (1035).

Thereafter, the mechanical product code collected by the middleware is transmitted to the server (1040), and the inventory asset mechanical product code is confirmed by the server and converted into inventory asset information in association with the object naming service server and the mechanical product code service server ( 1045, by checking and storing the inventory information in the server (1050), the series of processes for registering the inventory information is terminated.

11 is a diagram illustrating a process of generating and storing inventory valuation information using inventory asset information in a face-to-face manner according to an embodiment of the present invention.

In more detail, Figure 11 illustrates an implementation method for the financial institution server 700 to collect and store inventory valuation information using inventory asset information through a predetermined communication network, which is common in the art. Those skilled in the art will be able to infer various implementation methods of generating and storing the inventory valuation information in the terminal device by referring to or modifying the drawing 11, but the present invention includes all the implementation methods inferred. However, the present invention is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 11, the terminal device illustrated in FIG. 7 is referred to as a “terminal” for convenience, and the financial institution server 700 illustrated in FIG. 7 is referred to as a “server” for convenience.

Referring to FIG. 11, the server receives inventory asset information transmitted from the mechanical product code middleware 770 and the enterprise resource management server 780 (1100), and the mechanical product code middleware 770 and the enterprise resource management server. It is checked whether the inventory information transmitted from 780 matches (1105).

If the inventory asset information of the mechanical product code middleware 770 and the inventory asset information of the enterprise resource management server 780 do not match (1110), the server stores the mechanical product code middleware 770 and enterprise resources. By requesting retransmission of the inventory information to the management server 780 (1115), a series of processes for generating inventory valuation information is terminated.

On the other hand, when it is confirmed that the inventory information of the mechanical product code middleware 770 and the inventory information of the enterprise resource management server 780 match (1110), the server matches the loan request information and inventory asset information. It is checked whether or not (1120).

If the matching between the loan request information and the inventory information is not confirmed (1125), the server generates error information and transmits it to the terminal (1130) to terminate a series of processes for generating inventory asset information. do.

On the other hand, by checking whether the loan request information and inventory information match (1120), when it is determined that the loan request information and the inventory information (1125), the server analyzes the inventory information inventory information When delivered to the system 775 (1135), the inventory analysis system 775 confirms the inventory information received from the server (1140), and the inventory classification system corresponds to the inventory information by the first-in first-out method. After generating the inventory valuation information (1145), the inventory analysis system 775 transfers the inventory valuation information to the server (1150), the server received from the inventory analysis system 775 Checking the inventory valuation information (1155), by storing the inventory valuation information in the storage medium 750 in association with the company information in the server (1160), for generating inventory valuation information This concludes the process.

12 is a diagram illustrating a process of examining inventory security loans using inventory valuation information in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 12 illustrates an implementation method for the financial institution server 700 for examining and approving an inventory security loan using inventory asset evaluation information through a predetermined communication network. Those skilled in the art will be able to infer various implementation methods for examining and approving the loan per inventory by the terminal apparatus by referring to or modifying the drawing 12, but the present invention provides all the implementation methods inferred. It includes, and is not limited to the embodiment shown in FIG.

Hereinafter, in FIG. 12, the terminal device illustrated in FIG. 7 is referred to as a “terminal” for convenience, and the financial institution server 700 illustrated in FIG. 7 is referred to as a “server” for convenience.

Referring to FIG. 12, the server checks whether the loan request information and the inventory valuation information match (1200), and if the matching of the loan request information and the inventory valuation information is not confirmed, the server By generating (extracting) error information and transmitting it to the terminal (1210), a series of processes of examining inventory security loans using inventory valuation information is concluded.

On the other hand, when the matching of the loan request information and the inventory valuation information is confirmed, the server checks the loan request information and inventory valuation information (1215), and determines the loan limit amount based on the inventory valuation information. In operation 1225, it is determined whether the loan is approved by comparing the loan request amount information with the loan limit amount (1225).

If the loan limit amount checked by the server is equal to or less than the loan request amount of the customer (1230), the server generates a loan impossibility message for the loan request and transmits it to the terminal device (1235). This concludes the process of reviewing the mortgage using the information.

On the other hand, if the loan limit amount checked by the server is greater than the loan request amount of the customer (1230), the server approves the loan of the inventory asset to the corporate customer corresponding to the loan request information, and the loan of the loan request amount After confirming (1240), the security setting information is generated, the stock asset collateral loan is stored in the storage medium 750 together with the firm information determined (1245), and the security setting information is transmitted to the property registration management server 165 ( 1250.

Thereafter, the server generates a loan processing history message and transmits it to the terminal device (1255), thereby terminating a series of processes of examining inventory security loans using inventory asset evaluation information.

13 is a diagram showing RFID tag information according to an embodiment of the present invention.

More specifically, FIG. 13 shows RFID tag information conforming to the ISO / IEC code standard defined in ISO / IEC 15963. The ISO / IEC code standard is in the Final Draft International Standard (FDIS) step. That is, those skilled in the art to which the present invention belongs, the RFID tag information included in the present invention is not limited only to the case of the ISO / IEC code shown in Figure 13, the final draft is defined in the future, Or it will be clearly understood that it includes all the cases in which the predetermined information is added in the final.

Referring to (a) of FIG. 13, the ISO / IEC code is composed of an Allocation Class (AC) and a UID (Uniq7e ID) issuer registration number and a serial number (Serial N7mber) which is a number system for unique recognition. The allocation class has an 8-bit size, and a UID issuer registration number of an organization in charge of issuing a UID is determined according to the allocation class, and the serial number is set by the allocation class and the UID issuer registration number.

Referring to (b) of FIG. 13, the issuer of the ISO / IEC code is determined by the allocation class. If a person of ordinary skill in the art belongs to the present invention, Since the correlation between the allocation class and the UID issuer can be easily inferred, detailed omissions will be described. However, for example, when using the UID using the EPC (Electronic Prod7ct Code), the registrar is 'EAN.UCC' and the allocation class '11100010' is used in front of the EPC.

14 illustrates RFID tag information according to another exemplary embodiment of the present invention.

More specifically, Figure 14 shows RFID tag information corresponding to the proposed EPC at the US A7to-ID Center (recently changed to EPC global by EAN / UCC (via GS1)). It is characterized by consisting of a uniquely identifiable meta code. Currently, EPC has been released up to EPC Tag Data Standard Version 1.1, which includes 64-bit and 96-bit metacode. However, if one of ordinary skill in the art to which the present invention belongs, RFID tag information included in the present invention is not limited only to the case of EPC shown in Figure 14, all cases are added as the future version is upgraded It will be clearly understood to include.

Referring to (a) of FIG. 14, an EPC includes an 8-bit header that determines the length and identification format of the EPC, and a domain identifier corresponding to an identification scheme for identifying objects in a domain related to a specific industry. And optionally a predetermined filter value (optional) for effective EPC reading is added between the header and the domain identifier.

Referring to (b) of FIG. 14, the EPC header defines a domain identifier of 64-bit or 96-bit, and a person of ordinary skill in the art to which the present invention belongs, Since the contents defined in the header can be easily inferred, detailed omissions will be described. However, referring to (b) of FIG. 14, the EPC header reserves '0000 0000' in order to use a header of 8 bits or more in consideration of future scalability.

15 is a diagram illustrating RFID tag information according to another exemplary embodiment of the present invention.

More specifically, FIG. 15 shows RFID tag information corresponding to a U-code proposed by the Ubiquitous ID Center in Japan, and is characterized by consisting of a meta code capable of uniquely identifying all kinds of objects. When the capacity is sufficient, the RFID tag information may be further stored in the predetermined data. Those skilled in the art to which the present invention pertains, RFID tag information included in the present invention is not limited only to the case of the U-code shown in this figure 15, all cases are added as the future version is upgraded It will be clearly understood to include.

Referring to (a) of FIG. 15, a U-code includes a service header, a service identifier, service data, and an error detect code (EDC), and the length of the service header, service identifier, service data, and EDC (eg, bits). Number) is variable. For example, when the U-code is applied to article management and the length of the service identifier is defined as 36 bits, the service identifier corresponds to an EAN code (international article number code).

Referring to (b) of FIG. 15, the U-code is characterized in that the overall length of the code is extended in units of 128 bits (for example, 128 bits, 256 bits, 384 bits, ...), Those skilled in the art will be able to easily infer the characteristic contents of the U-code through this figure 15, and thus detailed omissions will be described.

According to the present invention, it can be expected to attract new customers by inducing credit increase of SMEs.

In addition, it is possible to preemptively manage risks by grasping the inventory status of companies in real time, which can be expected to reduce the cost of loss caused by risks.

In addition, it is possible to anticipate the creation of new profits by efficiently predicting the company's fund demand and increasing the fund turnover rate.

Claims (7)

RFID information receiving step of transmitting the RFID information read from the RFID tag attached to the inventory of the enterprise to the middleware, and collects it in the middleware, and transmits it by the predetermined information receiving means; An inventory information storing step of storing inventory information of a company corresponding to the received RFID information by a predetermined information storage means in association with the company information of the company and storing the inventory asset information in a predetermined storage medium; An inventory value calculation step of calculating inventory value by analyzing inventory information of the company previously stored in the storage medium by a predetermined inventory analysis means in a predetermined loan request from the enterprise; Loan processing that compares the value of the inventory of the loan requesting company with the loan request amount in a predetermined loan processing unit, determines whether the loan is possible, and if the loan is possible, sets the inventory of the company as collateral to process the loan step; And And storing the stock asset collateral setting information for linking and processing the stock information of the company set as collateral in response to the loan processing and storing the information in the predetermined storage medium. A method of providing an equity collateral loan product in connection with an RFID system. The method of claim 1, When the stock information of the company is received through the intra-company asset management system (or ERP system, etc.), the stock information of the company received through the intra-company asset management system and the predetermined inventory asset information verification means and the Comparing inventory information corresponding to the RFID information received through the middleware, the inventory security information linked to the corporate RFID system, characterized in that further comprising the step of verifying the inventory information validity of the inventory information of the company Loan Offerings. The method of claim 1, A step of transmitting the stock property collateral setting information for transmitting the inventory information of the company set as collateral in response to the loan processing history and the loan processing by a predetermined information transmitting means to a server (or a registered property management server) on the communication network; A method of providing an equity collateral loan product in association with a corporate RFID system, characterized in that further comprising. When the RFID reader transmits the RFID information read from the RFID tag attached to the inventory of the company to the middleware, collects it in the middleware, and then transmits the inventory information corresponding to the RFID information, the predetermined information receiving means receives it. Receiving inventory information; A stock asset information storage step of storing the received stock asset information of the company in a predetermined information storage means in association with the company information of the company and storing the stock asset information in a predetermined storage medium; An inventory value calculation step of calculating inventory value by analyzing inventory information of the company previously stored in the storage medium by a predetermined inventory analysis means in a predetermined loan request from the enterprise; Loan processing that compares the value of the inventory of the loan requesting company with the loan request amount in a predetermined loan processing unit, determines whether the loan is possible, and if the loan is possible, sets the inventory of the company as collateral to process the loan step; And And storing the stock asset collateral setting information for linking and processing the stock information of the company set as collateral in response to the loan processing and storing the information in the predetermined storage medium. A method of providing an equity collateral loan product in connection with an RFID system. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 4. Information receiving means for transmitting the RFID information read from the RFID tag attached to the inventory of the enterprise to the middleware, and collecting the information from the middleware and transmitting the collected information to the middleware; When the inventory information of the company is received through the intra-company asset management system (or an ERP system), the inventory information of the company and the RFID information received through the middleware are received. Predetermined inventory information verification means for comparing the corresponding inventory information and verifying the validity of the inventory information of the company; Information storage means for processing the verified inventory asset information of the company in association with the company information of the company and storing in a predetermined storage medium; And a loan processing means for processing a loan by setting a stock asset corresponding to the stock asset information of the company previously stored in the storage medium as collateral when a predetermined loan request is made by the company. System for providing collateral loans to inventory. An information receiving unit for receiving the RFID information read from the RFID tag attached to the inventory of the enterprise to the middleware, and collecting the information from the middleware, and receiving the collected information; An information storage unit which processes the inventory asset information corresponding to the RFID information in association with the company information of the company and stores the inventory asset information in a predetermined storage medium; And And a loan processing unit configured to process a loan by setting a stock asset corresponding to the stock asset information of the company previously stored in the storage medium as collateral when a predetermined loan request is made by the company. Linked inventory loan product offering server.

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