KR20090002041A - System and method for providing reconsideration property security loan stock and program recording medium - Google Patents

Abstract

A method and a system for providing inventory secured loan goods, and a program recording medium for the same are provided to reduce the amount of loss by recognizing a current inventory state at real time and improve the turnover of funds. If an RFID reader transmits RFID information, read out from an RFID tag mounted on an inventory, to a personal assets registration management server, inventory information of an enterprise corresponding to the RFID information is stored in a storing medium. An information confirmation unit equipped in a loan goods offering institution receives or confirms the inventory information corresponding to the information of enterprise which requests the secured loan. An inventory analyzing unit in the loan goods offering institution analyzes the inventory information and calculates the value of the inventory.

Description

System and Method for Providing Reconsideration Property Security 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.

7 is a diagram showing the configuration of a property registration management server server for setting the base mortgage for the inventory of the company approved and loan processing of the inventory secured loan application in accordance with the method of the present invention.

FIG. 8 is a view illustrating a process of setting a mortgage on a stock asset of a company that received a mortgage loan by checking a security setting information transmitted from a financial institution server by a real estate registration management institution server according to an embodiment of the present invention.

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

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

11 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.

12 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.

13 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.

14 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.

15 is a diagram showing the configuration of the property registration management server for setting the base mortgage for the inventory of the company approved and loan processing of the inventory secured loan application in accordance with the method of the present invention.

FIG. 16 is a diagram illustrating a process of setting a mortgage on a stock asset of a company that received a mortgage by checking the collateral setting information transmitted from the financial institution server by the real estate registration management institution server according to the embodiment of the present invention.

17 illustrates RFID tag information according to an embodiment of the present invention.

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

19 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: registered property management server server 165: mechanical product code middleware

170: inventory analysis system 175: mechanical product code information service server

180: object naming service code 185: RFID tag reader

190 Financial System 195 Terminal Equipment

According to the present invention, when the RFID reader collects and transmits RFID information read from an RFID tag attached to a company's inventory in the middleware, the RFID reader receives the information from the property registration agency server, and then the company's inventory information corresponding to the RFID information. Inventory asset information storage step of storing the information in a predetermined storage medium in association with the company information of the enterprise, and when the company requests a loan, predetermined information checking means provided in the loan product providing institution, the property registration management server server In connection with the loan requesting company inventory asset receiving or confirming the inventory information corresponding to the corporate information of the loan requesting company, and the received or confirmed in the predetermined inventory analysis means provided in the loan product provider Inventory value calculation step of calculating inventory value by analyzing inventory information of the loan request company In the predetermined loan processing means provided in the loan product providing institution, the inventories of the lender requesting company are compared with the value of the loan request, and it is determined whether or not the loan is possible. Loan and collateral setting for setting and processing the loan, and transmits the company's loan processing history and the inventory information of the company set as collateral in response to the loan processing through a predetermined information transmission means to the property registration management server server The present invention relates to a method for providing a mortgage loan product including a processing 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 increase the possibility of failing to attract customers.

An object of the present invention for solving the above problems is, when a loan request from a company, after receiving the inventory information corresponding to the RFID information or RFID information through the company's RFID system, the inventory corresponding to the received RFID information Information confirmation means for receiving or confirming inventory information corresponding to the company information of the loan requesting company, in connection with a property registration management server that stores and manages information in association with the company information of the company; When the loan value is determined by comparing the value of the inventory corresponding to the inventory information of the checked loan request company and the loan request amount and determining whether the loan is possible, the loan is processed by setting the inventory of the company as collateral Loan processing means and the stock of the company set as collateral in response to the loan processing history and the loan processing; Inventories are a mortgage product delivery system comprising an information transmission means for transmitting the information to the personal property registration agency server to provide.

According to the present invention, a method of providing a loan for a loan for an inventory of an asset, when an RFID reader collects and transmits RFID information read from an RFID tag attached to an inventory of a company in a middleware, the same is received from the property registration management server server. Inventory information storage step of processing the inventory information of the company corresponding to the RFID information in association with the company information of the company to store in a predetermined storage medium, and predetermined information provided to the loan product provider in case of loan request from the company In the verification means, in connection with the property registration management server server, a loan application company inventory asset confirmation step of receiving or confirming the inventory information corresponding to the company information of the loan request company, and the predetermined provided in the loan product provider Inventory information by analyzing the inventory information of the loan requesting company received or confirmed by the inventory analysis means of After determining whether the loan is possible by comparing the value of the inventory of the loan requesting company and the amount of the loan request, the value of the inventory value calculating step of calculating the value and a predetermined loan processing unit provided in the loan product providing institution determine whether the loan is possible. If possible, the loan is processed by setting the inventory of the company as collateral, and the loan processing details of the company and the inventory information of the company set as collateral in response to the loan processing through predetermined information transmitting means. Characterized in that it comprises a loan and collateral setting processing step to transmit to the registration management institution server.

On the other hand, according to the present invention, the method for providing a loan for a security loan for an inventory according to the present invention, after receiving a loan request from a company, receives predetermined inventory information corresponding to the RFID information or the RFID information through the RFID system of the company after predetermined information checking means Receive inventory information corresponding to the company information of the loan requesting company by linking with the property registration management server that stores and manages the inventory information corresponding to the received RFID information in association with the company information of the company; A loan application company inventory checking step of checking, an inventory value calculating step of analyzing inventory information of the received or confirmed loan requesting company by a predetermined inventory analysis means, and calculating inventory value; and a predetermined loan The processing means compares the value of the inventory of the loan request company and the loan request amount, and determines whether the loan is possible. If the loan is possible, the loan is processed 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 through a predetermined information transmission means. Characterized in that it comprises a loan and collateral setting processing step of transmitting information to the property registration management server server.

According to the present invention, a method of providing a loan secured by a stock asset, when the stock information of the company is received through the in-house asset management system (or an ERP system, etc.), the property management system server in the property registration management institution server. And comparing the inventory information corresponding to the inventory information of the company received through the middleware and the inventory information corresponding to the RFID information received through the middleware, and verifying the validity of the inventory information of the company. It is characterized by.

In the method for providing a loan secured by the stock asset according to the present invention, the company based on the loan processing history of the company and the inventory information of the company set as collateral corresponding to the loan processing in the property registration management server server, The method further comprises the step of setting the base mortgage in the inventory information of the.

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

On the other hand, when the loan request from the company according to the present invention, when the loan request from the company, after receiving the inventory information corresponding to the RFID information or the RFID information through the company's RFID system corresponding to the received RFID information Information confirmation means for receiving or confirming inventory information corresponding to the company information of the loan requesting company by linking with a real estate registration management server that processes and stores and manages inventory asset information in association with the enterprise information of the enterprise; By comparing the value of the inventory and the loan request amount corresponding to the inventory information of the loan requesting company received or confirmed, it is determined whether the loan is possible, and if the loan is possible, by setting the inventory of the company as collateral A loan processing means for processing a loan and the loan processing history of the company and the security set in correspondence to the loan processing; Including information transmission means for transmitting the inventory information of up to the garden registration agency server is characterized in that formed.

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; As a system configuration for storing a predetermined storage medium in association with a predetermined storage medium, and approving a loan, those skilled in the art to which the present invention pertains can refer to or modify this drawing to construct an RFID system. The various implementation methods for the construction of a system for managing an asset-backed mortgage for a stock-secured loan Would be able to infer the various method embodiments, the present invention includes the embodiment wherein the method of inference, shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, a configuration corresponding to at least one or more 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 on the inventory security loan management system shown in FIG. The element is referred to as a "financial company server" for convenience, and the "mechanical product code middleware" 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 management system for an inventory security loan of a company in which the RFID system is constructed includes: a terminal device provided at at least one financial institution branch; A financial system that provides ledger information for the processing of collateral loans for a company in which an RFID system is constructed, and a mechanical product code received from a mechanical product code service middleware, converted into inventory asset information through a predetermined process, or Receives the converted inventory information from the mechanical product code service middleware and stores it in a predetermined storage medium, provides the inventory information when the financial institution server requests, and checks the security setting information transmitted by the financial institution server to check the inventory asset. A property register that establishes a base mortgage on the inventories of the entity applying for the secured loan. Inventory server analysis system (or inventory asset analyzing means) for evaluating the value of the inventory asset using the institution server, inventory information of the company in which the RFID system is built, and converting a mechanical commodity code into information decipherable by the financial company server An object naming service server for providing a product, a mechanical product code information service server for generating product related information such as quantity and location of the RFID tag attached product in association with the object naming service server, and an RFID tag attached to a product A mechanical product code service middleware that converts the RFID tag information into a mechanical product code, or internally processes the mechanical product code converted from the RFID tag information into inventory product information, and the RFID system Inventory received by receiving the information necessary for the processing of collateral loans It characterized in that it comprises a financial company server for processing the collateral loan, the terminal device is preferably connected to the financial company server provided on the stock mortgage loan management system and a communication channel through a predetermined financial network.

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 Product 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.

In addition, the mechanical product code may be configured only to the product number according to the intention of those skilled in the art, or may be configured to check all information or limited information related to the product, such as the number of products, units of products, components of the product.

According to an embodiment of the present invention, the financial system is connected to at least one or more window terminals provided at a branch (or branch) of the financial institution through a predetermined financial network (eg, a branch network). It is desirable to provide 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 established.

Referring to FIG. 1, the financial system 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. A branch office computer system, which is an accounting system that handles banking services such as credit or reception or trust or foreign exchange occurring in at least one branch (or window), processing of headquarters operations, branch information support and customer information management At least one non-face-to-face financial transaction means (e.g., internet banking) provided in the information system for processing the information, interconnection between the financial system and at least one other financial system (or payment system), and / or at least one external communication network. , Wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.) And an external system that provides access to a financial system and / or provides various financial transaction interfaces through at least one common network (eg, a CD common network, a financial common network). An interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information (eg, ledger information, and / or customers) required for each function in the components in the financial system. And a database management system (DBMS) including at least one database for storing and managing information, and / or management information.

According to an embodiment of the present invention, the property registration management institution server receives the inventory asset information of the company on which the RFID system is constructed from the mechanical product code middleware, receives and stores it in a predetermined storage medium, and stores the If requested, provide the company's inventory information, or check the company information, loan information, inventory valuation information and collateral setting information delivered by the financial company server in connection with the financial system and the financial company server And generating base mortgage setting information corresponding to the security setting information, and storing the information on the property registration management D / B in association with the company information, the loan information, and the inventory evaluation information of the company applying for the mortgage loan. It features.

According to an embodiment of the present invention, the inventory analysis system is connected to the financial institution server, the inventory information transmitted from the financial institution server includes at least one or more of the company information, the product information, and the bill of materials information Receive and confirm, and in conjunction with the bill of materials information contained in the inventory information, to calculate the inventory value for each product by applying a first-in, first-out price policy for each of the finished product, semi-finished product, and raw product, the inventory value of each product And evaluating the total inventory value of the company applying for the secured loan, and generating inventory valuation information and transmitting it to the financial institution server.

According to an embodiment of the present invention, the object naming service (ONS) server, in conjunction with the mechanical product code information service server, serves as a library of mechanical product code, and the logical product code on the Internet It converts to an address (URL), 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 Product Code Information Service) server manages product information and requests information when a physical markup language (PML; 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 a mechanical product code information service server or other servers and systems, and transmits to the real estate registration management server server, and also manages 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 or other servers and systems by sending messages, and also manages the integration and control of various facilities. It is characterized in that it provides the product inventory information converted by processing internally without interworking with the object naming service server and the mechanical product code service middleware to the property registration management server.

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 teller terminal transmits the input (or selected) information to the financial institution server 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 connected to the teller terminal comprises a ledger server provided on the predetermined financial system Preferably, the financial network connecting the teller terminal and the financial company server comprises a bank network connecting the communication channel between the teller terminal and the financial company server.

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

The company-specific inventory D / B provided on the product asset collateral 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 asset information provided from the property registration management server. And storing the product information and the parts list information in association with the company information of the company submitting the loan request information. The customer information, the product information, and the parts list stored in the inventory assets D / B of each company are stored. Loan request information including at least one information 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). At least one member ID information, a CIF (Customer Information File) number, etc. included in the corporate customer ledger provided on the financial system linked to the product asset security loan management system. It is preferable to include

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 (Or a raw product that is input to produce a purchased product, such as a semi-finished product, which is produced on its own or purchased and procured from outside), and which the corporate customer purchases from the origin and moves to a factory-owned factory or warehouse And at least one piece of product status information including raw product information including item-specific identification information and item-specific quantity information of the entire raw product, including the original product or the 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 provided on the product asset collateral loan management system according to the present invention is the inventory information of the company submitting the loan request information and the company information included in the loan request information provided from the terminal device; Characterized in that it is stored in a predetermined storage medium in association with the evaluation information, and the product security loan information including at least one or more of the company information, loan information and inventory asset information stored in the storage medium is the RFID system It is used for collateral loans of the established companies.

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). At least one member ID information, a CIF (Customer Information File) number, etc. included in the corporate customer ledger provided on the financial system linked to the product asset security loan management system. It is preferable to include

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 analyzes the inventory information of the corporate customer, including 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). It is characterized in that it is generated by requesting the evaluation of the inventory information of the corporate customer.

The collateral setting information includes the details of the financial institution server approving and confirming the result of the loan examination for the corporate customer and setting the security on the inventory of the corporate customer corresponding to the inventory information of the corporate customer. It is characterized by.

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

The financial company server provided on the product asset collateral loan management system according to the present invention is a generic term for the component of the product asset collateral loan management system connected to the terminal device through a predetermined financial network, and includes at least one server (or Device) or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

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 server provided on a finance system connected to the teller terminal through a predetermined financial network, Or it may be a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, whereby the present invention is not limited.

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

When the terminal device is a window terminal connected to a predetermined financial network according to an embodiment of the present invention, the interface unit connects 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 or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, the financial institution server connects a communication channel with the financial institution server through the interface unit, and inputs (or selects) predetermined loan request information from the terminal unit in cooperation with the interface unit. An interface providing unit for generating (or extracting) a predetermined user interface to be transmitted to the terminal device, and inputting (or selecting) the terminal device through the user interface in connection with the interface unit. Loan request information receiving unit for receiving the predetermined loan request information. An information receiver (or information receiving means) for receiving inventory information or inventory mechanical product code information of the corporate customer from the property registration management server or receiving inventory evaluation information generated by the inventory analysis system; Check the company information included in the Dongshin registration management server or the loan request information and check the inventory information by linking with the property registration management server, or check the inventory information using the company's inventory D / B. A loan to the loan request information of the company by using the inventory asset verification unit to transmit the inventory information to the inventory analysis system, and using the inventory evaluation information of the company delivered as a result of the processing of the inventory analysis system; Loan review unit (or loan processing means) that handles approval and loan processing, loan approval and loan A security setting unit which checks the company information corresponding to the loan request information which has been confirmed and generates security setting information of the stock asset of the company requesting the loan and transmits it to the property registration management server, and the loan approval and loan processing. And a loan processing unit that performs loan processing of the checked loan request information, and an information storage unit storing information including the inventory information, the loan request information, and the inventory evaluation information in a predetermined storage medium.

The interface providing unit connects a communication channel with the financial company server through the interface unit, and then inputs or selects the loan request information in response to the functional configuration provided in the terminal device, thereby providing the information through the financial network. Generate a predetermined user interface that can be transmitted to a financial institution server, or extract it from a predetermined database (not shown), and connect the generated (or extracted) user interface with the interface unit through the financial network to the terminal device. It is characterized in that to provide.

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. In this case, the interface providing unit for providing the user interface to the terminal device may be omitted, and the present invention is not limited thereto.

The loan request information receiving unit inputs (or selects) loan request information including at least one or more corporate information and loan request amount information through the user interface through the user interface, and transmits the information through the financial network. In conjunction with and characterized in that for receiving the loan request information.

According to the embodiment of the present invention, when the loan request information receiving unit receives the loan request information, the inventory verification unit and the loan review unit check the loan request information in association with the loan request information included in the loan request information. After confirming the requested amount, it will process the mortgage loan of the company in which the RFID system is constructed.

The information receiving unit receives the inventory information of the corporate customer sent from the middleware, or receives the inventory mechanical product code information sent from the middleware, or the inventory evaluation information sent from the inventory analysis system Receiving through a communication network.

According to an embodiment of the present invention, the inventory information received by the information receiving unit or the inventory mechanical product code information is confirmed by the inventory identification unit to process the inventory security loan of the company in which the RFID system is established. It is preferable to be used for the evaluation of the security property for the purpose of calculating the valuation of the inventory of the company applying for the loan.

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

The inventory asset confirming unit checks the loan request information confirmed by the loan request information receiving unit, and is connected with the mechanical product code information service server and the object naming service server, the inventory asset corresponding to the company information included in the loan request information. Request information to the property registration management server server, or check the inventory asset information collected by the property registration management server server.

According to the exemplary embodiment of the present invention, the inventory checking unit checks the company information included in the loan request information, requests inventory property information corresponding to the company information to the property registration management server, and manages the property registration. The institution server associates with the mechanical product code information service server and the object naming service server, converts the inventory asset mechanical product code into inventory asset information including product information and parts list information through internal processing, and transmits the inventory asset. It is characterized by checking the information.

According to another exemplary embodiment of the present invention, the inventory asset checking unit checks the enterprise information included in the loan request information, and corresponds to the enterprise information in association with the mechanical product code information service server and the object naming service server. Requesting the inventory mechanical product code information to the property registration management server, and converting the inventory mechanical product code information transmitted from the property registration management server to the inventory information.

According to another exemplary embodiment of the present invention, the inventory checking unit checks the enterprise information included in the loan request information and accesses the property registration management server to the server, and the property registration management server of the property registers the inventory mechanical product code. The inventory information is converted in association with the mechanical product code information service server and the object naming service server.

According to another exemplary embodiment of the present invention, the inventory asset checking unit checks the enterprise information included in the loan request information, and manages the property registration in connection with the mechanical product code information service server and the object naming service server. It is characterized in that it is connected to the institution server and confirms the inventory mechanical commodity code information corresponding to the enterprise information, and converts and confirms it into inventory information inside the inventory identification unit.

The loan examination unit checks the loan request information confirmed by the loan request information receiving unit, and transmits the inventory information, which has been processed by the inventory checking unit in association with the inventory checking unit, to the inventory analysis system, the loan request information Confirm the inventory value information of the company corresponding to the above, set a mortgage limit for the inventory value information, and confirm loan request amount information with respect to the loan limit to approve loan request information requested by the corporate customer; Characterized in determining whether the loan is processed.

The collateral setting unit generates collateral setting information for requesting a base mortgage setting for inventory assets of a company that has provided the loan request information with respect to the loan request information for which the loan examination unit has approved and loan processing. The setting information is transmitted to the information storage unit.

For example, the security setting information generated by the security setting unit may be stored in the storage medium in association with the company information, the loan information, and the inventory asset evaluation information. The security setting information may include the company information, The loan information and the inventory evaluation information are transmitted to the property registration agency server, and the property registration management server is used as basic information for setting a base mortgage on an inventory of a company that applied for a mortgage loan. It is preferable to be.

The loan processing unit checks the loan request information in which the loan approval and loan processing of the loan review unit are determined, and performs a loan process corresponding to the loan request amount information of the loan request information.

According to an exemplary embodiment of the present invention, the information storage unit receives loan request information received from the loan request information receiving unit and inventory asset information received by the information receiving unit and requests the storage medium for the loan of the inventory asset. And storing the stock asset evaluation information transmitted from the inventory analysis system and the collateral setting information generated by the collateral setting unit in association with the company information. It features.

According to another exemplary embodiment of the present invention, the information storage unit converts the loan request information received by the loan request information receiving unit and the inventory asset mechanical product code received by the information receiving unit from the inventory asset checking unit. And store the asset information in association with the company information requesting the mortgage loan to the storage medium, and also the inventory evaluation information delivered from the inventory analysis system and the collateral setting information generated by the collateral setting unit. It is characterized by storing in the storage medium in association with the corporate 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 a predetermined communication network by a financial institution server of an inventory asset security loan management system illustrated in FIG. 1. 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 drawing 2, but the present invention is inferred from the above. It includes all implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the terminal device illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the financial institution server 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), checks the company information and the loan request amount information included in the loan request information (205), and is connected with the server. In operation 210, a predetermined D / B is searched to determine whether there is company information matching the company information.

If, as a result of the confirmation, it is confirmed that there is company information matching the company information (215), the server generates a confirmation message of the company information and transmits it to the terminal device of the enterprise customer (220), 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 (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. The inventory information is converted into inventory information in connection with a server and a mechanical product code service server (240), the inventory information converted from the middleware to the server is transmitted (245), and the inventory asset information is checked and stored in the server. This concludes a series of processes for registering the inventory information.

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, Figure 3 is an embodiment of the inventory security loan management system shown in Figure 1, the method for the financial institution server to collect and store inventory asset information through a predetermined communication network, the present invention 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 counter terminal by referring to or modifying the drawing 3, but the present invention is inferred It includes all implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 3, the terminal device illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the financial institution server 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 associates with the server. The predetermined D / B is searched to determine whether there is company information matching the company information (310).

If, as a result of the check, it is confirmed that there is company information matching the company information (315), the server generates a confirmation message of the company information and transmits it to the terminal device of the enterprise customer (320), inventory asset This concludes the process of registering 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 a predetermined communication network by a financial institution server of an inventory asset security loan management system illustrated in FIG. 1. 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 drawing 4, but the present invention is inferred from the above. It includes all implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the terminal device illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the financial institution server 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 By checking the inventory mechanical product code request (430), among the information read by the RFID tag reader in the middleware, only the mechanical product code corresponding to the inventory mechanical product code 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 an implementation method for the financial institution server to collect and store inventory valuation information using inventory asset information through a predetermined communication network, having a general knowledge in the technical field to which the present invention belongs In this case, various implementation methods for generating and storing the inventory valuation information in the terminal device may be inferred by referring to or modifying the drawing 5, but the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown in 5.

Hereinafter, in FIG. 5, the terminal device illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the financial institution server 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 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 If it is delivered to the system (515), the inventory analysis system checks the inventory information received from the server (520), the inventory classification system is the first-in-first-out method to determine the inventory information corresponding to the inventory information By generating (525), if the inventory analysis information is transmitted from the inventory analysis system to the server (530), the server checks the inventory evaluation information received from the inventory analysis system (535), By storing the inventory valuation information in the storage medium in association with the company information in the server (540), a series of processes for generating the inventory valuation information is completed. The.

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, Figure 6 is an implementation method for the financial institution server to examine and approve an inventory mortgage loan using inventory asset valuation information through a predetermined communication network, which is commonly known in the art. If the person having the present invention can refer to or modify this figure 6, it is possible to infer various implementation methods for examining and approving the loan per inventory in the terminal device, the present invention includes all the implementation methods inferred It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the terminal device shown in FIG. 1 will be referred to as "terminal" for convenience, and the financial institution server shown in FIG. 1 will be referred to as "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 (635). This concludes the process of reviewing the mortgage using the information.

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 After confirming (640) and generating collateral setting information, the stock asset is secured in the storage medium together with the secured collateral loan information (645), and the collateral setting information is transmitted to the property registration management server (650).

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

7 is a diagram showing the configuration of the property registration management server for setting the base mortgage for the stock assets of the company approved and loan processing of the inventory secured loan application in accordance with the method of the present invention.

In more detail, Figure 7 shows the stock information of the company that receives and confirms the corporate information, the loan information, the inventory information and the security setting information, and the security information loan requested from the financial institution server, A server configuration for setting a base mortgage for a person having ordinary skill in the art to which the present invention pertains is referred to or modified in FIG. 7 to process the base mortgage setting on the inventory of the company in which the RFID system is constructed. Although various implementation methods may be inferred from various implementation methods for the construction of a registered property management server server for processing and generating basis-specific setting information for the present invention, the present invention includes the implementation method inferred as shown in FIG. It is not limited only to the implemented method.

Hereinafter, the corporate information, the loan information, the inventory asset evaluation information, and the basis value setting information are stored in the storage medium from the financial institution server through a predetermined information registration interface on the property registration management institution server shown in FIG. 7. A component corresponding to at least one or more means or functional configuration for storage in the " real estate registration authority server "

According to an embodiment of the present invention, the financial system is connected to at least one or more window terminals provided at a branch (or branch) of the financial institution through a predetermined financial network (eg, a branch network). It is desirable to provide 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 established.

According to an embodiment of the present invention, the property registration management server server, the financial system server and the financial company server in connection with the financial company server, loan information, inventory asset evaluation information, collateral setting information Set the base mortgage on the received information receiving unit, the validity confirming unit for confirming the validity of the received corporate information, the loan information, the security setting information, and the inventory of the company approved for the secured mortgage loan The base mortgage setting unit for generating base mortgage setting information, and the base mortgage setting information generated by the base mortgage setting unit in association with the company information, the loan information, and the inventory asset valuation information and stored in the property registration management D / B. It is characterized by consisting of an information storage unit.

The information receiving unit may receive the company information, the loan information, the inventory information and the collateral setting information transmitted from the financial company server.

For example, the security setting information received by the information receiving unit may be used as basic information for generating per floor setting information of the property registration management server.

The validity confirming unit checks whether the corporate information and the loan information received from the terminal device satisfy the validity for the base mortgage setting.

The base mortgage setting unit checks the mortgage setting information, sets the base mortgage for the inventory assets of the company applying for the mortgage loan corresponding to the mortgage setting information, and sets the base mortgage including the setting details for the base mortgage setting. It is characterized by generating information.

The information transmitter may transmit the inventory information of the company corresponding to the request of the inventory information transmitted by the financial institution server to the financial institution server.

For example, the inventory information request information is characterized in that it comprises a company information for applying for the loan for the security of the inventory.

The information storage unit associates the company information received from the information receiving unit, the loan information, the inventory asset evaluation information and the base mortgage setting information generated by the base mortgage setting unit, and is connected to the property registration management institution server. It is characterized by storing in the registration management D / B.

The company-specific inventory D / B provided in the property registration management server according to the present invention is provided for the purpose of managing a corporate customer of a financial institution, and the information included in the inventory asset information provided from the property registration management server is provided. The product information and the parts list information is stored in association with the company information of the company that submitted the loan request information, the customer information, product information, parts list information stored in the inventory asset D / B for each company Loan request information including at least one is used for collateral 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). At least one member ID information, a CIF (Customer Information File) number, etc. included in the corporate customer ledger provided on the financial system linked to the product asset security loan management system. It is preferable to include

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 in the quantity information for each 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 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, the bill of materials information is recorded in the complete sub-component information for the finished product and the product process information for producing the finished product, the inventory of 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 the asset value.

According to an embodiment of the present invention, the storage medium provided in the property registration management server of the server evaluates the stock information of the company submitting the loan request information and the company information included in the loan request information provided from the terminal device. And storing the information in a predetermined storage medium in association with the information, wherein at least one of the company information, the loan information, and the inventory asset evaluation information stored in the storage medium is stored in the RFID system. It is used for collateral loans of established companies.

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). At least one member ID information, a CIF (Customer Information File) number, etc. included in the corporate customer ledger provided on the financial system linked to the product asset security loan management system. It is preferable to include

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 analyzes the inventory information of the corporate customer, including 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). It is characterized in that it is generated by requesting the evaluation of the inventory information of the corporate customer.

In addition, the base mortgage setting information is information corresponding to the security setting information in the base mortgage setting unit, and set the base mortgage for the inventory of the company applying for an inventory mortgage loan, and includes the setting details for the base mortgage setting Characterized in that.

FIG. 8 is a diagram illustrating a process of setting a mortgage on a stock asset of a company receiving a mortgage by checking the collateral setting information transmitted from the financial institution server by the real estate registration management institution server according to an embodiment of the present invention.

In more detail, Figure 8 shows that the property registration management server checks the company information, loan information, inventory valuation information and collateral setting information transmitted from the financial company server, As a process of setting the base mortgage, and generating and storing the base mortgage setting information, those skilled in the art to which the present invention pertains, to generate or store the base mortgage setting information by referring to or modifying the present figure 8 Various implementation methods may be inferred, but 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 shown in FIG. 1 will be referred to as "terminal" for convenience, and the property registration authority server shown in FIG. 1 will be referred to as "server" for convenience.

Referring to FIG. 8, the server receives and confirms corporate information, loan information, inventory evaluation information, and collateral setting information through a communication network (800), and the corporate information and the loan information in connection with a financial system. It is checked the validity of (805).

If the server checks the validity of the company information and the loan information and confirms that it is not valid (810), the server generates (or extracts) error information and transmits it to the terminal (815). This concludes the process of establishing a base mortgage on the inventories of the lender.

On the other hand, when the server checks the validity of the company information and the loan interest rate information, and confirms that it is valid (810), the server is the stock of the company corresponding to the company information, the inventory valuation information, and the security setting information In operation 820, the base mortgage is set in the enterprise inventory asset loaned from the server, and the base mortgage setting information is generated (825).

Thereafter, the server stores the generated basis basis setting information together with the company information, the loan information, and the inventory evaluation information in a storage medium (830), and the basis basis setting corresponding to the basis basis setting information generated by the server. By generating the historical data and transmitting it to the financial institution server (835), the financial institution server terminates the series of processes by confirming the basis-setting data set by the server (840).

FIG. 9 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 in accordance with an embodiment of the present invention.

In more detail, in FIG. 9, a predetermined corporate customer uses at least a predetermined information registration interface, and at least a company information and a 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; A system configuration for storing a predetermined storage medium in association with a predetermined storage medium and approving a loan. If a person of ordinary skill in the art belongs to the present invention, an RFID system is constructed by referring to or modifying the present invention. The various implementation methods for the construction of a system for managing an asset-backed mortgage for a stock-secured loan Would be able to infer the various method embodiments, the present invention includes the embodiment wherein the method of inference, shall not be limited to the exemplary method shown in the figure 9.

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

Referring to FIG. 9 in accordance with an embodiment of the present invention, an inventory secured loan management system for an asset secured loan of an enterprise in which the RFID system is constructed includes: a terminal device provided in at least one financial institution branch; A financial system that provides ledger information for the processing of collateral loans for a company in which an RFID system is constructed, and a mechanical product code received from a mechanical product code service middleware, converted into inventory asset information through a predetermined process, or Receives the converted inventory information from the mechanical product code service middleware and stores it in a predetermined storage medium, provides the inventory information when the financial institution server requests, and checks the security setting information transmitted by the financial institution server to check the inventory asset. A property register that establishes a base mortgage on the inventories of the entity applying for the secured loan. An inventory server (or inventory asset analyzing means) for evaluating the value of the inventory asset using the institution server, inventory information of the company in which the RFID system is constructed, and enterprise resource information of the company in which the RFID system is constructed. An enterprise resource management server (or asset management system) for overall resource management of an enterprise, an object naming service server for converting a mechanical product code into information decipherable by the financial institution server, and in connection with the object naming service server. Mechanical product code information service server that generates product-related information such as quantity and location of products with RFID tag, and converts RFID tag information into mechanical product code from RFID tag attached to product, or converts RFID tag information Mechanical product code service that internally processes the converted mechanical product code into stock product information And a financial company server for receiving information necessary for the processing of the stock mortgage loan of the company in which the RFID system is constructed from the middleware and the real estate registration management server server, and processing the stock mortgage loan. It is preferable that the terminal device is connected to a communication channel with a financial company server provided on the inventory collateral loan management system through a predetermined financial network.

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 Product 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.

In addition, the mechanical product code may be configured only to the product number according to the intention of those skilled in the art, or may be configured to check all information or limited information related to the product, such as the number of products, units of products, components of the product.

According to an embodiment of the present invention, the financial system is connected to at least one or more window terminals provided at a branch (or branch) of the financial institution through a predetermined financial network (eg, a branch network). It is desirable to provide 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 established.

Referring to FIG. 9, the financial system 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. A branch office computer system, which is an accounting system that handles banking services such as credit or reception or trust or foreign exchange occurring in at least one branch (or window), processing of headquarters operations, branch information support and customer information management At least one non-face-to-face financial transaction means (e.g., internet banking) provided in the information system for processing the information, interconnection between the financial system and at least one other financial system (or payment system), and / or at least one external communication network. , Wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.) And an external system that provides access to a financial system and / or provides various financial transaction interfaces through at least one common network (eg, a CD common network, a financial common network). An interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information (eg, ledger information, and / or customers) required for each function in the components in the financial system. And a database management system (DBMS) including at least one database for storing and managing information, and / or management information.

According to an embodiment of the present invention, the property registration management institution server receives the inventory asset information of the company on which the RFID system is constructed from the mechanical product code middleware, receives and stores it in a predetermined storage medium, and stores the If requested, provide the company's inventory information, or check the company information, loan information, inventory valuation information and collateral setting information delivered by the financial company server in connection with the financial system and the financial company server And generating base mortgage setting information corresponding to the security setting information, and storing the information on the property registration management D / B in association with the company information, the loan information, and the inventory evaluation information of the company applying for the mortgage loan. It features.

According to an embodiment of the present invention, the inventory analysis system is connected to the financial institution server, the inventory information transmitted from the financial institution server includes at least one or more of the company information, the product information, and the bill of materials information Receive and confirm, and in conjunction with the bill of materials information contained in the inventory information, to calculate the inventory value for each product by applying a first-in, first-out price policy for each of the finished product, semi-finished product, and raw product, the inventory value of each product And evaluating the total inventory value of the company applying for the secured loan, and generating inventory valuation information and transmitting it to the financial institution server.

According to an embodiment of the present invention, the enterprise resource planning (ERP) server is a server that receives all the resource information of the enterprise, and performs the enterprise-wide management of all resources, mechanical from the mechanical product code middleware Receives the product code directly, converts the mechanical product code into inventory asset information in association with the mechanical product code information service server and the object name service code server to confirm and store in a predetermined D / B, and the enterprise resource It is characterized by utilizing for management.

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. It is characterized in that the inventory information converted by linking the mechanical commodity code with the mechanical commodity code information service server and the object name service code server and stored in a predetermined D / B, characterized in that it is used for resource management of the enterprise.

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

According to an embodiment of the present invention, the electronic product code information service (Electronic Product Code Information Service) server manages product information and requests information when a physical markup language (PML; Product descriptions developed so that everyone can understand and provide the ability to respond to high-level questions similar to the language, to identify and provide the unit of inventory, the location of the inventory, and the route of movement. It is characterized by.

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 a mechanical product code information service server or other servers and systems, and transmits to the real estate registration management server server, and also manages 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 or other servers and systems by sending messages, and also manages the integration and control of various facilities. It is characterized in that it provides the product inventory information converted by processing internally without interworking with the object naming service server and the mechanical product code service middleware to the property registration management server.

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 teller terminal transmits the input (or selected) information to the financial institution server 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 connected to the teller terminal comprises a ledger server provided on the predetermined financial system Preferably, the financial network connecting the teller terminal and the financial company server comprises a bank network connecting the communication channel between the teller terminal and the financial company server.

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

The company-specific inventory D / B provided on the product asset collateral 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 asset information provided from the property registration management server. And storing the product information and the parts list information in association with the company information of the company submitting the loan request information. The customer information, the product information, and the parts list stored in the inventory assets D / B of each company are stored. Loan request information including at least one 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). At least one of member ID information, CIF (Customer Information File), etc., provided in the corporate customer ledger provided on the financial system linked to the product asset collateral loan management system. It is preferable to comprise as mentioned above.

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 (Or a raw product that is input to produce a purchased product, such as a semi-finished product, which is produced on its own or purchased and procured from outside), and which the corporate customer purchases from the country of origin and moves to a factory-owned factory or warehouse And at least one piece of product status information including raw product information including item-specific identification information and item-specific quantity information of the entire raw product, including the original product or the 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 provided on the product asset collateral loan management system according to the present invention is the inventory information of the company submitting the loan request information and the company information included in the loan request information provided from the terminal device; Characterized in that it is stored in a predetermined storage medium in association with the evaluation information, and the product security loan information including at least one or more of the company information, loan information and inventory asset information stored in the storage medium is the RFID system It is used for collateral loans of the established companies.

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). At least one of member ID information, CIF (Customer Information File), etc., provided in the corporate customer ledger provided on the financial system linked to the product asset collateral loan management system. It is preferable to comprise as mentioned above.

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 analyzes the inventory information of the corporate customer, including 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). It is characterized in that it is generated by requesting the evaluation of the inventory information of the corporate customer.

The collateral setting information includes the details of the financial institution server approving and confirming the result of the loan examination for the corporate customer and setting the security on the inventory of the corporate customer corresponding to the inventory information of the corporate customer. It is characterized by.

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

The financial company server provided on the product asset collateral loan management system according to the present invention is a generic term for the component of the product asset collateral loan management system connected to the terminal device through a predetermined financial network, and includes at least one server (or Device) or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

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 server provided on a finance system connected to the teller terminal through a predetermined financial network, Or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, whereby 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 for connecting and managing a predetermined communication channel with the terminal device through the financial network.

When the terminal device is a window terminal connected to a predetermined financial network according to an embodiment of the present invention, the interface unit connects 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 or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 9, the financial institution server connects a communication channel with the financial institution server through the interface unit, and then inputs (or selects) predetermined loan request information from the terminal unit in cooperation with the interface unit. An interface providing unit for generating (or extracting) a predetermined user interface to be transmitted to the terminal device, and inputting (or selecting) the terminal device through the user interface in connection with the interface unit. Loan request information receiving unit for receiving the predetermined loan request information. Information receiving unit (or information receiving means) for receiving the inventory information or inventory mechanical product code information of the corporate customer from the property registration management server server, or receives the inventory evaluation information generated by the inventory analysis system And, check the company information included in the Dongshin registration management server or the loan request information and check the inventory information in connection with the property registration management server, or use the inventory asset D / B for each company. The inventory confirmation unit to confirm and the inventory information is delivered to the inventory analysis system, and using the inventory evaluation information of the company delivered as a result of the processing of the inventory analysis system for the loan request information of the company Loan review unit (or loan processing means) that handles loan approval and loan processing, loan approval and loan A security setting unit which checks the company information corresponding to the loan request information which has been confirmed and generates security setting information of the stock asset of the company requesting the loan and transmits it to the property registration management server, and the loan approval and loan processing. And a loan processing unit that performs loan processing of the checked loan request information, and an information storage unit storing information including the inventory information, the loan request information, and the inventory evaluation information in a predetermined storage medium.

The interface providing unit connects a communication channel with the financial company server through the interface unit, and then inputs or selects the loan request information in response to the functional configuration provided in the terminal device, thereby providing the information through the financial network. Generate a predetermined user interface that can be transmitted to a financial institution server, or extract it from a predetermined database (not shown), and connect the generated (or extracted) user interface with the interface unit through the financial network to the terminal device. It is characterized in that to provide.

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. In this case, the interface providing unit for providing the user interface to the terminal device may be omitted, and the present invention is not limited thereto.

The loan request information receiving unit inputs (or selects) loan request information including at least one or more corporate information and loan request amount information through the user interface through the user interface, and transmits the information through the financial network. In conjunction with and characterized in that for receiving the loan request information.

According to the embodiment of the present invention, when the loan request information receiving unit receives the loan request information, the inventory verification unit and the loan review unit check the loan request information in association with the loan request information included in the loan request information. After confirming the requested amount, it will process the mortgage loan of the company in which the RFID system is constructed.

The information receiving unit receives inventory information of the corporate customer transmitted from the middleware, or receives inventory mechanical product code information transmitted from the middleware, or receives inventory evaluation information transmitted from the inventory analysis system. Receiving through a communication network.

According to an embodiment of the present invention, the inventory information received by the information receiving unit or the inventory mechanical product code information is confirmed by the inventory identification unit to process the inventory security loan of the company in which the RFID system is established. It is preferable to be used for the evaluation of the security property for the purpose of calculating the valuation of the inventory of the company applying for the loan.

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

The inventory asset confirming unit checks the loan request information confirmed by the loan request information receiving unit, and is connected with the mechanical product code information service server and the object naming service server, the inventory asset corresponding to the company information included in the loan request information. Request information to the property registration management server server, or check the inventory asset information collected by the property registration management server server.

According to the exemplary embodiment of the present invention, the inventory checking unit checks the company information included in the loan request information, requests inventory property information corresponding to the company information to the property registration management server, and manages the property registration. The institution server associates with the mechanical product code information service server and the object naming service server, converts the inventory asset mechanical product code into inventory asset information including product information and parts list information through internal processing, and transmits the inventory asset. It is characterized by checking the information.

According to another exemplary embodiment of the present invention, the inventory asset checking unit checks the enterprise information included in the loan request information, and corresponds to the enterprise information in association with the mechanical product code information service server and the object naming service server. Requesting the inventory mechanical product code information to the property registration management server, and converting the inventory mechanical product code information transmitted from the property registration management server to the inventory information.

According to another exemplary embodiment of the present invention, the inventory checking unit checks the enterprise information included in the loan request information and accesses the property registration management server to the server, and the property registration management server of the property registers the inventory mechanical product code. The inventory information is converted in association with the mechanical product code information service server and the object naming service server.

According to another exemplary embodiment of the present invention, the inventory asset checking unit checks the enterprise information included in the loan request information, and manages the property registration in connection with the mechanical product code information service server and the object naming service server. It is characterized in that it is connected to the institution server and confirms the inventory mechanical commodity code information corresponding to the enterprise information, and converts and confirms it into inventory information inside the inventory identification unit.

According to another exemplary embodiment of the present invention, the inventory asset checking unit checks the enterprise information included in the loan request information, requests inventory asset information from the enterprise resource management server and the property registration management institution server, and establishes a communication network. Check the inventory information of the enterprise resource management server delivered through, and check the inventory information of the property registration management server server, characterized in that to verify the validity of the inventory information by comparing the inventory information do.

According to another exemplary embodiment of the present invention, the inventory checking unit checks the company information included in the loan request information, and checks the inventory information by accessing the enterprise resource planning server and the property registration management server. And comparing and checking the inventory information of the enterprise resource management server and the inventory information of the property registration management server and verifying the validity of the inventory information by comparing the inventory information. .

The loan examination unit checks the loan request information confirmed by the loan request information receiving unit, and transmits the inventory information, which has been processed by the inventory checking unit in association with the inventory checking unit, to the inventory analysis system, the loan request information Confirm the inventory value information of the company corresponding to the above, set a mortgage limit for the inventory value information, and confirm loan request amount information with respect to the loan limit to approve loan request information requested by the corporate customer; Characterized in determining whether the loan is processed.

The collateral setting unit generates collateral setting information for requesting a base mortgage setting for inventory assets of a company that has provided the loan request information with respect to the loan request information for which the loan review unit has approved and loan processing. The setting information is transmitted to the information storage unit.

For example, the security setting information generated by the security setting unit may be stored in the storage medium in association with the company information, the loan information, and the inventory asset evaluation information. The security setting information may include the company information, The loan information and the inventory evaluation information are transmitted to the property registration agency server, and the property registration management server is used as basic information for setting a base mortgage on an inventory of a company that applied for a mortgage loan. It is preferable to be.

The loan processing unit checks the loan request information in which the loan approval and loan processing of the loan review unit are determined, and performs a loan process corresponding to the loan request amount information of the loan request information.

According to an exemplary embodiment of the present invention, the information storage unit receives loan request information received from the loan request information receiving unit and inventory asset information received by the information receiving unit and requests the storage medium for the loan of the inventory asset. Characterized in that it is stored in association with the stock asset, and the inventory information valuation information delivered from the inventory analysis system, and the collateral setting information generated by the collateral setting unit is stored in the storage medium in association with the corporate information It is done.

According to another exemplary embodiment of the present invention, the information storage unit converts the loan request information received by the loan request information receiving unit and the inventory asset mechanical product code received by the information receiving unit from the inventory asset checking unit. And store the asset information in association with the company information requesting the mortgage loan to the storage medium, and also the inventory evaluation information delivered from the inventory analysis system and the collateral setting information generated by the collateral setting unit. It is characterized by storing in the storage medium in association with the corporate information.

10 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. 10 illustrates an embodiment of a method for collecting and storing inventory asset information through a predetermined communication network by a financial institution server of an inventory asset security loan management system illustrated in FIG. 9. 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 drawing 10, but the present invention is inferred It includes all implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the terminal device illustrated in FIG. 9 is referred to as a “terminal” for convenience, and the financial institution server illustrated in FIG. 9 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 confirmed that the corporate information matching the corporate information exists as a result of the confirmation (1015), the server generates a confirmation message of the existence of the corporate information and transmits it to the terminal device of the enterprise customer (1020), inventory assets This concludes the process of registering information.

On the other hand, if it is confirmed that there is no corporate information matching the corporate information (1015), the server requests inventory asset information corresponding to the corporate information to the property registration agency server (1025), and When the property registration management server confirms the request of the inventory information (1030), among the information read by the RFID tag reader from the property registration management server, only the mechanical product code corresponding to the inventory information is collected (1035), The mechanical product code collected by the property registration management server server is converted into inventory asset information in association with an object naming service server and a mechanical product code service server (1040), and the inventory asset converted from the property registration management server server to the server. Transmits information (1045), and registers the inventory information by identifying and storing the inventory information in the server; This concludes the process.

11 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. 11 is an embodiment of a method for collecting and storing inventory asset information through a predetermined communication network by a financial institution server of an inventory asset security loan management system illustrated in FIG. 9. 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 drawing 11, but the present invention is inferred from the above. It includes all implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 11, the terminal device shown in FIG. 9 is referred to as "terminal" for convenience, and the financial institution server shown in FIG. 9 is called "server" for convenience.

Referring to FIG. 11, the server checks loan request information and inputs it to the server (1100), checks the enterprise information and loan request amount information included in the loan request information (1105), and is connected with the server. In operation 1110, a predetermined D / B is searched to determine whether there is company information matching the company information.

If, as a result of the check, it is determined that there is enterprise information matching the company information (1115), the server generates a confirmation message of the existence of the company information and transmits it to the terminal device of the enterprise customer (1120). 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 (1115), the server accesses the property registration management server (1125), and accesses the property registration management server. The server collects only the mechanical product code corresponding to the inventory mechanical product code among information read by the RFID tag reader (1130).

Thereafter, the property registration agency server converts the collected mechanical product code into inventory asset information in association with the object naming service server and the mechanical product code service server (1135), and converts the inventory asset information converted from the property registration agency server. The server checks and extracts (1140), the server accesses the property registration management server server and stores the checked and extracted inventory information (1145), by checking and storing the inventory information in the server the inventory assets This concludes the process of registering information.

12 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. 12 is an embodiment of a method for collecting and storing inventory asset information through a predetermined communication network by a financial institution server of an inventory asset security loan management system illustrated in FIG. 9. 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 drawing 12, but the present invention is inferred It includes all implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 12, the terminal device shown in FIG. 9 is referred to as " terminal " for convenience, and the financial institution server shown in FIG. 9 is referred to as " server "

Referring to FIG. 12, the server checks loan request information and inputs it to the server (1200), checks the enterprise information and loan request amount information included in the loan request information (1205), and is connected with the server. A predetermined D / B is searched to determine whether there is company information matching the company information (1210).

If it is confirmed that the company information matching the enterprise information exists as a result of the check (1215), the server requests the inventory asset mechanical product code corresponding to the company information to the property registration agency server (1225), The property registration management server checks the inventory mechanical product code request (1230), and collects only the mechanical product code corresponding to the inventory mechanical product code among the information read by the RFID tag reader in the property registration management server. (1235).

Thereafter, the mechanical product code collected by the property registration management institution server is transmitted to the server (1240), and the inventory asset mechanical product code is checked from the server, and the inventory asset information is linked with an object naming service server and a mechanical product code service server. By converting to 1245, and checking and storing the inventory information in the server (1250), a series of processes for registering the inventory information is completed.

FIG. 13 illustrates a process of generating and storing inventory valuation information using inventory information in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 13 illustrates an implementation method for the financial institution server to collect and store inventory valuation information using inventory asset information through a predetermined communication network, and has a general knowledge in the technical field to which the present invention pertains. In this case, various implementation methods for generating and storing the inventory valuation information in the terminal device may be inferred by referring to or modifying the drawing 13, but the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown in 13.

Hereinafter, in FIG. 13, the terminal device shown in FIG. 9 is referred to as "terminal" for convenience, and the financial institution server shown in FIG. 9 is called "server" for convenience.

Referring to FIG. 13, the server receives inventory asset information transmitted from the property registration management agency server and the enterprise resource management server (1300), and the inventory asset information transmitted from the property registration management agency server and the enterprise resource management server. A match is confirmed (1305).

If the inventory information of the property registration management server server and the inventory information of the enterprise resource management server do not match (1310), the server stores the inventory asset information to the property registration management server and the enterprise resource management server. By requesting retransmission (1315), a series of processes for generating inventory valuation information is concluded.

On the other hand, if it is confirmed that the inventory information of the property registration management server server and the inventory information of the enterprise resource management server (1310), the server checks whether the loan request information and inventory asset information match. (1320).

If the matching between the loan request information and the inventory information is not confirmed (1325), the server generates error information and transmits it to the terminal (1330) to terminate a series of processes for generating inventory evaluation information. do.

On the other hand, if it is determined that the loan request information is matched with the inventory information (1320), and the loan request information and the inventory information is found to match (1325), the server analyzes the inventory information inventory information When it is delivered to the system (1335), the inventory analysis system checks the inventory information received from the server (1340), and the inventory classification system receives inventory evaluation information corresponding to the inventory information by a first-in first-out method. By generating (1345), when the inventory analysis system transmits the inventory valuation information to the server (1350), the server checks the inventory valuation information received from the inventory analysis system (1355). By storing the inventory valuation information in the storage medium in association with the company information in the server (1360), a series of processes for generating the inventory valuation information is completed. It is summed.

14 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.

More specifically, FIG. 14 illustrates an implementation method for the financial institution server to examine and approve an inventory secured loan using inventory asset valuation information through a predetermined communication network, which is commonly known in the art. If the person having the present invention can refer to or modify this figure 14 to infer various implementation methods for examining and approving the loan per inventory in the terminal device, 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. 14, the terminal device shown in FIG. 9 is referred to as a "terminal" for convenience, and the financial institution server shown in FIG. 9 is referred to as a "server" for convenience.

Referring to FIG. 14, the server checks whether the loan request information and the inventory valuation information match (1400). If the loan request information and the inventory valuation information are not matched, The server generates (extracts) error information and transmits the extracted information to the terminal (1410) to terminate a series of processes for examining the inventory security loan using the inventory valuation information.

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 (1415), and determines the loan limit amount based on the inventory valuation information. In operation 1420, the loan request amount information is compared with the loan limit amount to determine whether the loan is approved (1425).

If the loan limit amount checked by the server is less than or equal to the loan request amount of the customer (1430), the server generates a loan impossibility message for the loan request and transmits it to the terminal device (1435). This concludes the process of reviewing the mortgage using the information.

On the other hand, when the loan limit amount confirmed by the server is greater than the loan request amount of the customer (1430), the server approves the loan of the inventory asset to the enterprise customer corresponding to the loan request information, and loans the loan request amount. After confirming (1440), the security setting information is generated and stored in the storage medium together with the firm information of the secured loan of the inventory (1445), and the security setting information is transmitted to the property registration management server (1450).

Thereafter, the server generates a loan processing history message and transmits it to the terminal device (1455), thereby terminating a series of processes for examining the inventory security loan using inventory asset valuation information.

Fig. 15 is a diagram showing the configuration of a property registration agency server for setting a base mortgage for a stock asset of a company whose approval and loan processing of a stock mortgage application is confirmed according to the method of the present invention.

In more detail, Figure 15 shows the stock information of the company that receives and confirms the company information, the loan information, the inventory information and the collateral setting information transmitted from the financial institution server, and requests a mortgage loan. A server configuration for setting a base mortgage for a person having ordinary skill in the art to which the present invention pertains is referred to or modified in FIG. Although various implementation methods may be inferred from various implementation methods for the construction of a registered property management server server for processing and generating the basis-specific setting information for the present invention, the present invention includes the implementation method inferred as shown in FIG. 15. It is not limited only to the implemented method.

Hereinafter, the corporate information, the loan information, the inventory asset evaluation information, and the basis value setting information are stored in the storage medium from the financial institution server through a predetermined information registration interface on the property registration management institution server shown in FIG. A component corresponding to at least one or more means or functional configuration for storage in the " real estate registration authority server "

According to an embodiment of the present invention, the financial system is connected to at least one or more window terminals provided at a branch (or branch) of the financial institution through a predetermined financial network (eg, a branch network). It is desirable to provide 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 established.

According to the embodiment of the present invention, the real estate registration management institution server, the company information delivered by the financial company server in connection with the financial system and the financial company server, loan information, inventory asset evaluation information, collateral setting information and An information receiving unit receiving a request for inventory information, a validity checking unit for checking the validity of the received company information and the loan information, and checking the collateral setting information, A base mortgage setting unit for generating base mortgage setting information for setting a base mortgage for inventory, and checking the inventory information request information transmitted from the financial institution server, and transmitting information for sending inventory information corresponding to the inventory information request And the basis value of the basis information generated by the basis basis setting unit, the company information, the loan information and the inventory. It is characterized in that it consists of an information storage unit to be stored in the property register management D / B in conjunction with the asset valuation information.

The information receiving unit may receive the company information, the loan information, the inventory information and the collateral setting information transmitted from the financial company server.

For example, the security setting information received by the information receiving unit may be used as basic information for generating per floor setting information of the property registration management server.

The validity confirming unit checks whether the corporate information and the loan information received from the terminal device satisfy the validity for the base mortgage setting.

The base mortgage setting unit checks the mortgage setting information, sets the base mortgage for the inventory assets of the company applying for the mortgage loan corresponding to the mortgage setting information, and sets the base mortgage including the setting details for the base mortgage setting. It is characterized by generating information.

The information transmitter may transmit the inventory information of the company corresponding to the request of the inventory information transmitted by the financial institution server to the financial institution server.

For example, the inventory information request information is characterized in that it comprises a company information for applying for the loan for the security of the inventory.

The information storage unit registers the company information received from the information receiving unit, the loan information, the inventory asset valuation information, and the base mortgage setting information generated by the base mortgage setting unit in connection with the real estate registration management institution server. And to store in the management D / B.

The company-specific inventory D / B provided in the property registration management server according to the present invention is provided for the purpose of managing a corporate customer of a financial institution, and the information included in the inventory asset information provided from the property registration management server is provided. The product information and the parts list information is stored in association with the company information of the company that submitted the loan request information, the customer information, product information, parts list information stored in the inventory asset D / B for each company Loan request information including at least one is used for collateral 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.), member information of the company customer (e.g., the company customer is registered as a financial transaction company customer of the financial institution). At least one of member ID information, CIF (Customer Information File) number, etc. provided in the corporate customer ledger provided on the financial system linked to the product asset collateral loan management system. It is preferable to comprise as mentioned above.

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 (Or a raw product that is input to produce a purchased product, such as a semi-finished product, which is produced on its own or purchased and procured from outside), and which the corporate customer purchases from the country of origin and moves to a factory-owned factory or warehouse And at least one piece of product status information including raw product information including item-specific identification information and item-specific quantity information of the entire raw product, including the original product or the 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.

According to an embodiment of the present invention, the storage medium provided in the property registration management server of the server evaluates the stock information of the company submitting the loan request information and the company information included in the loan request information provided from the terminal device. And storing the information in a predetermined storage medium in association with the information, wherein at least one of the company information, the loan information, and the inventory asset evaluation information stored in the storage medium is stored in the RFID system. It is used for collateral loans of established companies.

The company information includes the company-related information (e.g., business name, business registration number, representative phone number, etc.), member information of the company customer (e.g., the company customer is registered as a financial transaction company customer of the financial institution). At least one of member ID information, CIF (Customer Information File) number, etc. provided in the corporate customer ledger provided on the financial system linked to the product asset collateral loan management system. It is preferable to comprise as mentioned above.

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 analyzes the inventory information of the corporate customer, including 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). It is characterized in that it is generated by requesting an evaluation of the inventory information of the corporate customer.

In addition, the base mortgage setting information is information corresponding to the security setting information in the base mortgage setting unit, and set the base mortgage for the inventory of the company applying for an inventory mortgage loan, and includes the setting details for the base mortgage setting Characterized in that.

FIG. 16 is a diagram illustrating a process of setting a mortgage on a stock asset of a company that received a mortgage by checking a collateral setting information transmitted from a financial institution server by a real estate registration management institution server according to an embodiment of the present invention.

In more detail, Figure 16 shows that the property registration management server checks the company information, loan information, inventory valuation information and collateral setting information transmitted from the financial company server, As a process of setting the base mortgage, and generating and storing the base mortgage setting information, those skilled in the art to which the present invention belongs, to generate or store the base mortgage setting information by referring to or modifying the present figure 16 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the terminal device shown in FIG. 9 is referred to as " terminal " for convenience, and the property registration management server server shown in FIG.

Referring to FIG. 16, the server receives and confirms corporate information, loan information, inventory evaluation information, and collateral setting information through a communication network (1600), and the company information and the loan information in connection with a financial system. It is checked the validity of (1605).

If the server checks the validity of the company information and the loan information and confirms that it is invalid (1610), the server generates (or extracts) error information and transmits it to the terminal (1615). This concludes the process of establishing a base mortgage on the inventories of the lender.

On the other hand, when the server checks the validity of the company information and loan interest rate information, and confirms that it is valid (1610), the server inventory of the company corresponding to the company information, the inventory valuation information, and the security setting information The asset is identified (1620), and the base mortgage is set in the enterprise inventory asset loaned from the server to generate the base mortgage setting information (1625).

Subsequently, the server stores the generated basis basis setting information together with the company information, the loan information, and the inventory asset evaluation information in a storage medium (1630), and the basis basis setting corresponding to the basis basis setting information generated by the server. By generating the historical data and transmitting it to the financial institution server (1635), the financial institution server terminates the series of processes by confirming the basis data of the basis data transmitted by the server (1640).

17 illustrates RFID tag information according to an embodiment of the present invention.

More specifically, FIG. 17 illustrates 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, if the person skilled in the art to which the present invention belongs, RFID tag information included in the present invention is not limited to the case of the ISO / IEC code shown in Figure 17, the final draft is defined, 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. 17, the ISO / IEC code is composed of an Allocation Class (AC), a Unique ID (UID) issuer registration number, and a serial number 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. 17, the issuer of the ISO / IEC code is determined by the allocation class. If the person having ordinary knowledge in the technical field to which the present invention belongs, Since the correlation between the allocation class and the UID issuer can be easily inferred, detailed omissions will be described. However, for example, if the UID using the Electronic Product Code (EPC) is used, the registrar is "EAN.UCC", and the allocation class '11100010' is used in front of the EPC.

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

More specifically, Fig. 18 shows RFID tag information corresponding to the EPC proposed by the US Auto-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, those skilled in the art to which the present invention belongs, the RFID tag information included in the present invention is not limited to the case of the EPC shown in FIG. 18, all the cases are added as the future version is upgraded It will be clearly understood to include.

Referring to (a) of FIG. 18, the EPC includes an 8-bit header for determining the length and identification format of the EPC, and a domain identifier corresponding to an identification scheme for object identification 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. 18, 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. 18, the EPC header reserves '0000 0000' to use a header of 8 bits or more in consideration of future scalability.

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

More specifically, FIG. 19 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 19, all cases are added as the future version is upgraded It will be clearly understood to include.

Referring to (a) of FIG. 19, 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. 19, the U-code is characterized in that the total length of the code is extended (for example, 128 bits, 256 bits, 384 bits, ...) in units of 128 bits. Those skilled in the art will be able to easily infer the characteristic contents of the U-code through this drawing 19, 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.

In addition, by using data from government agencies as basic data for collateral loan processing, it is expected to provide stable and reliable collateral loan services.

Claims (6)

When the RFID reader collects and transmits RFID information read from the RFID tag attached to the company's inventory in the middleware, the RFID reader receives the information from the property registration agency server, and then sends the inventory information of the company corresponding to the RFID information to the company. Inventory information storage step of storing in a predetermined storage medium by processing in conjunction with the company information of the; When a company requests a loan, a loan application for receiving or confirming inventory information corresponding to the company information of the loan requesting company, in connection with the property registration management server, in predetermined information checking means provided to the loan product providing institution. Corporate inventory identification step; An inventory value calculating step of calculating inventory value by analyzing inventory information of the loan requesting company which is received or confirmed by a predetermined inventory asset analyzing means provided in the loan product providing institution; And In the predetermined loan processing means provided in the loan product providing institution, the inventories of the lender requesting company are compared with the value of the loan request, and it is determined whether or not the loan is possible. Loan and collateral setting for setting and processing the loan, and transmits the company's loan processing history and the inventory information of the company set as collateral in response to the loan processing through a predetermined information transmission means to the property registration management server server Process for providing a security loan product inventory, characterized in that comprises a. When the company requests a loan, the predetermined information checking means receives the inventory information corresponding to the RFID information or the RFID information through the company's RFID system and then returns the inventory information corresponding to the received RFID information. A loan application company inventory checking step of receiving or confirming inventory information corresponding to the company information of the loan requesting company in connection with a server registered in a management institution server which is processed and stored in association with the company information; An inventory value calculating step of calculating inventory value by analyzing inventory information of the loan requesting company received or identified by a predetermined inventory analysis means; After determining whether the loan is possible by comparing the value of the inventory of the loan requesting company and the loan request amount by a predetermined loan processing means, if the loan is possible, the loan is processed by setting the inventory of the company as collateral, And a loan and collateral setting processing step of transmitting the company's loan processing history and inventory information of the company set as collateral in response to the loan processing to the property registration management server through the information transmitting means. A method of providing a mortgage loan product, characterized in that. The method of claim 1, When the inventory information of the company is received through the intra-company asset management system (or ERP system, etc.), the asset registration information and the middleware of the company received through the intra-company asset management system from the property registration agency server And comparing the inventory information corresponding to the RFID information received through the inventory information and verifying the validity of the inventory information of the company. The method according to claim 1 or 2, And setting a base mortgage on the inventory information of the company on the basis of the loan processing history of the company and the inventory information of the company set as collateral in response to the loan processing by the property registration management server. A method for providing a loan secured by an inventory comprising: A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 3. When a company requests a loan, after receiving the RFID information or inventory information corresponding to the RFID information through the RFID system of the company, the inventory information corresponding to the received RFID information is stored in association with the company information of the company. Information checking means for receiving or confirming inventory information corresponding to the company information of the loan requesting company, in connection with the managed property registration management server; After comparing the value of the inventory corresponding to the inventory information of the loan requesting company and the loan request amount, and determining whether the loan is possible, if the loan is possible, the loan is set by setting the inventory of the company as collateral Loan processing means for processing the; And And information transmission means for transmitting the inventory information of the company set as collateral in response to the loan processing history and the loan processing of the company to the property registration management server. system.

Images