KR20090030457A - The system for controlling a loan process of a loan products based on the online network - Google Patents

Abstract

A loan enforcement history in which the loan applicant wants for oneself can be designed the loan goods management system done based on the on-line network, and the loan matched for the loan enforcement design history can be implemented. An SDLP(Self Design Loan Products) loan management server(101) is signal-connected with the loan applicant client who the connection middle is in the on-line network, the loan applicant designs the loan enforcement history with for oneself, and the SDLP creation process, the SDLP acceptance procedure, and the SDLP assessment procedure and the matched loan enforcement procedure are generally managed. The SDLP acceptance administration module(120) presents SDLP production basic data to the loan applicant client side, and guides so that the loan applicant design the loan enforcement history of SDLP with for oneself, and the SDL which is design completed is acceptance-processed. The SDLP loan enforcement module(105) examines the loan availability of SDLP taken over, and the loan corresponding to the loan enforcement design history of SDLP is implemented.

Description

The system for controlling a loan process of a Loan products based on the online network}

The present invention relates to a system for managing a loan product processing procedure based on an online network, and more specifically, <Lanse hoped, self-design loan products (SDLP: Loan) designed by the loan history of their own desired After creating the applicant Self Design Loan Products (hereinafter referred to as "SDLP") and presenting it to the system, the registered SDLP is selectively registered through a series of coordination and review procedures. By systematically interlocking and arranging a computer module that can execute and match loans that match the SDLP's loan execution design system, a series of loan product sales procedures and a new concept of loan conception are fully reflected. Loan applicants can be flexibly implemented through self-design mechanism> to help borrowers and lenders participating in online loan product transactions. , Out of free conventional various problems of, respectively, related to financial instruments loan management system that is based on online networks that can lead to effective enjoyment of the best benefits corresponding to their needs.

In recent years, as the size of the economy grows rapidly, the demand of lenders who want to use their lenders to raise their own funds is also rapidly increasing. A wide variety of online loan product management systems have been developed and opened.

Normally, under such an online loan execution system according to the prior art, as shown in FIG. 1, a loan-wisher wishing to borrow is connected to an online network 2 through a loan-seeker client 1, and the lender After logging in to the loan product management system (3) belonging to (D: financial institution), according to the guidance process of the system (3), a series of loan procedures desired by the user are executed.

In this case, the loan product management system (3: or the lender) determines a series of loan product details (e.g., loan amount, loan interest rate, loan period, loan repayment method, loan type, etc.) according to a set of loan execution criteria set by the company. , Loan repayment date, etc.) will be presented to the loan-seeking client (1) side, and if the borrower agrees, a series of loans will be deposited to the loan-seeker side and the commission will be paid. Will be implemented.

However, under such a conventional online loan execution system, as mentioned above, the loan product management system 3 has a series of loan execution details (e.g., loan amount, loan interest rate, loan) according to a uniform standard set by the company. Since the company maintains the classical method of unilaterally presenting and notifying the period, loan payment method, loan type, loan repayment date, etc.), loan applicants have no choice but to negotiate the loan product management system (3). It is often placed in a very unfavorable position where the details can only be accepted, and as a result, various tangible and intangible economic losses, such as losses that may not be incurred by the loan itself, to the amount desired You can't control it, so you get a loan more or less than you need Losses, loan interest rate, loan term, loan repayment method and loan types, such as their losses can not be controlled at will forced to take intact.

Of course, in this situation, even on the loan product management system, for example, <the loan applicant requesting the loan is not exactly aware of the fact, even though the loan is actually a customer capable of executing the loan (i.e., selling the loan product), The problem of failing to properly implement a series of loan product services for the loan prospector cannot be avoided, and, as a result, unless there is any action taken, various economic losses of tangible and intangible due to unnecessary customer reduction There is no choice but to take it.

Accordingly, an object of the present invention is to provide a guide to enable a loan applicant to create an SDLP that designs his / her desired loan execution history and present it to the system, and to provide a series of adjustment procedures and examinations. After selectively registering through the procedure, the computerized module>, which can execute and implement loans matching the loan execution design details of SDLP in a systematic manner, is systematically interlocked. By allowing a new concept of self-design mechanism for loan applicants to fully reflect opinions, it is possible for borrowers and lenders to participate in online loan product transactions, freeing them from their various problems. It is to induce effective enjoyment of the corresponding optimum benefits.

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

In order to achieve the above object, in the present invention, a signal is connected to a loan prospective client who is connected to an online network, and at the request of the loan wishing client side, the loan wishing party designs the loan execution history by itself and makes a self-design loan. According to the procedure for guiding the creation of Loan applicants Self Design Loan Products (SDLP), the procedure for accepting the SDLP, the process for examining the SDLP, and the result of the examination, An SDLP loan management server that manages the overall execution procedure and the SDLP loan management server, which are controlled by the SDLP loan management server, selectively communicate with the loan applicant client, and provide the SDLP generation basic information for generating the SDLP to the loan applicant client side. Presenting the loan history of the SDLP on its own. While being guided to be self-confident, the SDLP reception management module for receiving and processing the SDLP designed and designed by the loan applicant and the SDLP loan management server controlled by the SDLP loan management server communicate with the external financial product loan cooperation system. When the SDLP examination management module which checks the loanability of the SDLP received by the SDLP acceptance management module and the SDLP loan management server are controlled and the SDLP examination management module determines that the loan of the SDLP is possible. In addition, the present invention discloses a loan product management system based on an online network, which is made up of a combination of an SDLP loan execution module that performs a loan corresponding to the loan execution design details of the SDLP by communicating with a term loan execution system.

In the present invention, a computer module that can guide a loan-seeker to create an SDLP that designs his / her desired loan execution, and present it to the system, a series of adjustment procedures for the presented SDLP, After selectively registering through the screening process, a computer module>, etc., which can systematically execute a loan that matches the loan execution design details of the SDLP, is systematically arranged. Therefore, under the implementation environment of the present invention, a series of loan products The sales process can be flexibly implemented through the new concept of “loan applicants' self-design mechanism” in which the opinions of the borrowers are fully reflected. Consequently, the lenders and lenders who participated in the online loan product transaction have various problems. They can freely freely listen to each other and effectively enjoy the optimum benefits that correspond to their needs.

Hereinafter, with reference to the accompanying drawings, a more detailed description of the loan product management system based on the online network according to the present invention.

As shown in Figure 2, the loan product management system 100 according to the present invention through the online network 12, for example, wired / wireless Internet network, financial communication network, etc. Form a series of signal connections with the desired message terminal (e.g., mobile device, e-mail account, etc.), financial product loan cooperation system (e.g. 14, credit rating agency side system, etc.), periodic loan execution system 20, etc. SDLP loan management server 101, the service page operation module 103, the operation assistant module 104, SDLP acceptance management module 120, SDLP examination management module that is collectively controlled by the SDLP loan management server 101 130, SDLP confirmation management module 150, SDLP redesign management module 170, SDLP loan enforcement module 105,, service message operation module 106, D / B management module 108, etc. A combined configuration is taken.

In this case, the loan-seeker client 11 includes, for example, a cellular phone, a PCS phone (PCS phone: Personal Communications Services phone), a synchronous / asynchronous IMT-2000 (including a notebook PC, a desktop PC, and the like). International Mobile Telecommunication-2000, Palm Personal Computer, Personal Digital Assistant (PDA), Smart Phone, WAP Phone, Wireless Application Protocol Phone, Play-station A mobile device such as) may be flexibly selected according to the loan applicant's situation.

In this situation, the service page operation module 103 controlled by the SDLP loan management server 101 is a D / B management when the loan requestor is connected to the system 100 side through the loan applicant client 11. Through the module 108, the operation information D / B 111 is accessed, and various service operation information stored therein, for example, various texts / images / images / links / program information for generating web pages, various After flexible extraction of web page setting information and the like, the service pages 201 to 206 as illustrated in FIGS. 3A to 3F are generated based on the extracted operation information, and the generated service pages 201 to 206 are generated. By performing the role of selective transmission and posting to the loan-desiring client 11 side, the basic environment of various service procedures by the SDLP loan management server 101 can be assisted to be smoothly created without any problems. do.

Of course, each of these service pages 201-206 includes <items for requesting self-design of loan products>, <items for creating self-design of loan products>, <items for verifying / modifying SDLPs created by the service. >, And <items for confirming the SDLP redesign history presented by the system 100>, etc., the loan-desired side selectively operates the menu items posted on each service page 201 to 206 ( Input) / confirmation, for example, the procedure of requesting the system 100 for the self design of the loan product, the process of creating / proceeding the self design of the loan product by itself, and confirming / modifying the self-written SDLP. The procedure, the procedure of checking the SDLP redesign history of the system 100 side, and agreeing to this> can be flexibly proceeded according to the will of the user.

Here, the D / B management module 108 controlled by the SDLP loan management server 101 stores various data necessary for the execution of the <SDLP loan service> according to the computational events of the respective computer modules arranged in the system 100. Selectively store in the required areas such as SDLP loan related information D / B (109), loan applicant related information D / B (110), and operation information D / B (111), or vice versa. It will play a role. In this case, the D / B management module 108 not only plays a role of storing and outputting various data, but also simultaneously plays an intelligent role of efficiently managing the data in the fastest time without overlapping.

At this time, the operation information D / B (111) controlled by the SDLP loan management server 101 is a variety of operation information necessary for the execution of the <SDLP loan service>, for example, various text / image / video / to generate a web page The role of stably storing and managing the registration information of the financial product loan cooperation system 14, the registration information of the term loan execution system 20, and the system resource status information, including link / program information and various web page setting information. (Of course, each of the operational information listed above can be added / deleted or changed flexibly depending on the system side situation).

In addition, the loan requester related information D / B 109 controlled by the SDLP loan management server 101 may include, for example, personal registration information of each loan requestor, system visit history information of each loan requestor, and login of each loan requester. It serves to store and manage the relevant information, message terminal registration information, etc. of each borrower, and furthermore, SDLP loan related information D / B (110) controlled by the SDLP loan management server 101 is SDLP design history information, SDLP loan history information of each loan applicant, SDLP repayment status information of each borrower, stable loan history information of each loan applicant, and delinquent history information of each loan applicant (Of course, the information listed above may also be flexibly added / deleted or changed depending on the system side situation).

At this time, the operation assistance module 104 controlled by the SDLP loan management server 101 forms a series of communication relationships with the service page operation module 103, the operation information D / B 111, and the like. Various subsidiary procedures required for the implementation of the program, for example, a procedure for managing the login process of the loan applicant's system, a procedure for updating the visitor's system visit history, and a procedure for updating data in the operation information D / B 111, etc. Done.

In addition, the service message operation module 106 controlled by the SDLP loan management server 101 selectively forms a series of communication relationships with the loan requester side message terminal 13 via the interface module 102. According to the computerized event progress of each computer module arranged in the system 100, various electronic messages (e.g., SDLP loan examination result notification message, SDLP loan execution result notification message, SDLP loan repayment status notification message, SDLP delinquency status notification message) And the like, and transmits the generated electronic message to the lender-desiring side message terminal 13 to guide the lender-desirer to more closely exchange opinions with the system 100 side.

In a situation where such an infrastructure is provided, the SDLP loan management server 101 is provided through the online network 12, for example, a wire / wireless internet network, a financial communication network, or the like, as described above. , As shown in FIG. 4, forming a series of signal connection relationships with the loan requester message terminal 13, the financial product loan cooperation system 14, the periodic loan execution system 20, and the like. The financial product lending cooperation system (14) after providing the procedures for guiding the loan, the SDLP's receipt of the loan applicant's side, and information on the borrower's side (e.g., personal information of the borrower's side). Information on possible loan execution (e.g. loan status information of loan applicants, delinquent history information of loan applicants, asset status information of loan applicants, finance of loan applicants) Volume credit rating information, mortgage loan ratio information of the borrower, etc.), and based on this, the procedure for calculating the borrower's loanable rating and the loan criteria that match the lender's loanable rating are compared with the SDLP. The process of determining whether the loan applicant can perform the loan, the process of creating the SDLP loan confirmation details of the loan applicants determined to be able to perform the loan, and presenting the completed SDLP loan confirmation details to the loan applicants, the SDLP loan confirmation details According to the loan requester's response data corresponding to the loan requestor's response data, the procedure to guide the selection and adjustment of the existing SDLP's loan execution design details, and the redesigned SDLP according to the loan applicant's SDLP loan examination result, re-designed the SDLP. In accordance with the procedures presented to the party and the loan designer's details of the SDLP, It will be performing.

Of course, under the function of the SDLP loan management server 101, a series of online loan product sales process is designed by the lender desires to design their own loan history, create / produce the SDLP, and then create / produce Presenting the SDLP to the system 100 side, and according to the corresponding system 100 side examination result, the new concept of <Landee Seeker Self-Design Mechanism> of the new concept that will receive the SDLP loan matching the self-development design details. As a result, the lenders and lenders who participate in the online loan product transaction can freely escape various problems and effectively enjoy the optimum profits corresponding to their respective needs.

For example, under the implementation environment of the present invention, each lender desires himself or herself to set a series of loan execution details (eg, loan amount, loan interest rate, loan period, loan repayment method, loan type, loan repayment date, etc.) according to their circumstances. Since the design can be confirmed in consultation with the system 100 side, it is possible to naturally stand in a superior position in the series of loan transactions, compared to the conventional one, and eventually, various unnecessary things that have been experienced under the conventional system. Loss, for example, a loss that may result in the loan not being executed at all, a loss that may be borrowed more than necessary, and a loan that is much less than the amount required, loan interest rate, loan It is easy to avoid losses that do not allow you to control your terms, loan repayment methods, and loan types.

In addition, under such an implementation environment of the present invention, each lender can also execute a series of loan procedures in a state in which, in contrast to the prior art, the borrower wishes to closely discuss and review the loan execution history desired by the lender. , <The loan requester who requested the loan, although it is practically a customer who is fully capable of executing the loan (i.e., selling the loan product), does not recognize the fact correctly and does not normally perform a series of loan product services to the borrower. The problems that cannot be avoided> can be easily avoided, and as a result, various tangible and intangible economic losses due to unnecessary customer reduction can be effectively reduced.

At this time, the SDLP reception management module 120 of the present invention controlled by the SDLP loan management server 101 forms a series of signal connection relationships with the loan applicant client 11 through the interface module 102, The purpose is that the user wishes to access the service page 201 via the loan requestor client 11, select a menu item posted thereon, and create / produce an SDLP directly from the user client 11 side. When the request data is transmitted, SDLP generation basic information (eg, interface character information, picture information, link information, etc. required for SDLP generation) is presented to the loan-seeker client 11 side, and the loan-seeker desires. On the other hand, it serves as a guide to design the SDLP's loan execution history without any difficulty, and to design the SDLP by the borrower. If the SDLP is transmitted, thereby serves to receive, process it (see Fig. 4).

In this case, as shown in FIG. 5, the SDLP reception management module 120 is placed under the control of the SDLP reception control unit 121 and the SDLP reception control unit 121, which collectively control the overall SDLP reception and processing procedure. The SDLP generation basic information presentation unit 123, the SDLP reception unit 124, the SDLP generation basic information storage unit 126, the SDLP transfer unit 127, and the like are closely combined.

In this case, the SDLP generation basic information presenting unit 123 controlled by the SDLP reception control unit 121 accesses the service page 201 through the loan requester client 11 and then publishes the menu item posted thereon. Select and, when the request data is sent from the user client 11 to &quot; I want to generate / produce SDLP directly &quot;, it communicates with the SDLP generation basic information storage unit 126 and stores the SDLP stored therein. After generating the basic information (e.g., interface text information, picture information, link information, etc. necessary for generating the SDLP), the communication page 122 communicates with the service page operation module 103 via the information exchange unit 122, and the extraction is completed. It serves to deliver the SDLP generation basic information to the service page operation module 103 side.

Of course, under the role of the SDLP generation basic information presentation unit 123, if the SDLP generation basic information is delivered, the service page operation module 103 is in the service page 202 (refer to FIG. 3B) which is transmitted and posted to the loan requesting client side. In order to process and insert SDLP generation basic information (e.g., interface character information, picture information, link information, etc. required for SDLP generation) (see FIGS. 3B and 4), the SDLP generation basis In the insertion and entry of information, the borrower wishes to operate the menu posted on the service page 202, and the loan execution history of the SDLP (e.g., loan amount, loan interest rate, loan period, loan repayment method, loan type, It is easy to proceed with the procedure of designing the loan repayment date by itself> (in this case, the service page 202, which can help design the loan applicant's SDLP design). Flags SDLP, there is a basic SDLP, etc. can be posted).

As described above, in the situation where SDLP generation basic information is inserted and described in the service page 202, the loan applicant side completes his / her own SDLP loan execution history. (The SDLP design completion procedure is performed by the loan applicant to create a new SDLP. It may be made through the process of the process, or through the process of modifying the loan history of the sample SDLP, the basic SDLP, etc. provided by the system to the value desired by the user), select the transfer item, the loan hope client (11) When the SDLP is transmitted from the) side, the SDLP reception unit 124 controlled by the SDLP reception control unit 121 immediately receives the SDLP via the information exchange unit 122 and then stores the received SDLP in the processing buffer ( 125) to stably store.

In this way, in the processing buffer 125, when the SDLP designed by the lender desires to complete the storage, the SDLP delivery unit 127 controlled by the SDLP acceptance control unit 121 immediately accesses the processing buffer 125. After extracting the SDLP stored therein, the information exchange unit 122 communicates with the SDLP examination management module 130 and delivers the extracted SDLP to the SDLP examination management module 130 to the loan applicant. The generated / produced SDLP guides the system to normally perform a series of system-side audit procedures by the SDLP audit management module 130.

Meanwhile, in this situation, the SDLP examination management module 130 controlled by the SDLP loan management server 101 selectively selects a series of signal connection relationships with the SDLP reception management module 120, the financial product loan cooperation system 14, and the like. After providing the loan applicant side related information (e.g., information on the loan applicant side) to the financial product loan cooperation system 14 side, the corresponding loan applicant side loan from the financial product loan cooperation system 14 side. When information on the implementation conditions (e.g., loan applicants 'debt status information, loan applicant's delinquency history information, loan applicants' asset status information, loan applicants 'financial rating information, loan applicants' mortgage ratio information, etc.) The procedure for calculating the loanable rating of the borrower and the borrower's loanable rating based on the acquired loan requestor's loan execution condition information. Compared to the standard subscription the SDLP, to proceed to steps such as screening whether the enforceable lending of the loan applicant (see Fig. 4).

In this case, as shown in FIG. 6, the SDLP audit management module 130 of the present invention is placed under the control of the SDLP audit control unit 131 and the SDLP audit control unit 131, which collectively control the overall SDLP audit process. Receiving unit (133), loan requester information receiving / transmitting unit (134), loan execution condition information receiving unit (135), loanable grade calculation unit (136), SDLP loan availability examination unit (139), SDLP audit results Branches 141 and the like take a close combination.

Here, the SDLP reception unit 133 controlled by the SDLP examination control unit 131 selectively forms a series of signal connection relationships with the SDLP reception management module 120 via the information exchange unit 132, and receives the SDLP reception. When the loan-desired side SDLP is received by performing the function of the management module 120, the SDLP reception management module 120 receives a communication with the SDLP-accepted management module 120, receives the loan-side SDLP, and then processes the received SDLP into the processing buffer 137. It will play a role of stable storage management in the system.

In addition, the loan requester information receiving / transmitting unit 134 controlled by the SDLP examination control unit 131 communicates with the processing buffer 137 to read the loan requester side SDLP, thereby designing the loan requester. After obtaining the relevant information (e.g., information on the borrower's side of the loan), the information exchange unit 132 communicates with the financial product loan cooperation system 14 to the financial product loan cooperation system 14 for the loan. It performs the role of transmitting the desired information (for example, personal information of the borrower side) (see Figure 4).

Of course, under the function of the loan applicant information receiving / transmitting unit 134, if the loan applicant side-related information for which the SDLP is designed is transmitted and received, the financial product loan cooperation system 14 immediately returns its own internal / internal stocks. By using the external data infrastructure, the credit information of the borrower is searched, and based on this, a series of loan applicants can be executed (for example, the loan status of the loan applicant, the history of the delinquent history of the loan applicant, and the loan applicant). Asset status information, credit rating information of loan applicants, mortgage ratio information of loan applicants, etc.), and the SDLP examination management module 130 to notify the loan proprietor loan execution condition information generated by the loan applicant. Will proceed with the cooperation procedure (see Figure 4).

In this situation, the loan execution condition information receiving unit 135 controlled by the SDLP examination control unit 131 is connected to the financial product loan cooperation system 14 through a series of signal connection relationships through the information exchange unit 132. While forming the loan, if the above loan execution condition information is transmitted from the financial product loan cooperation system 14 side, after receiving it, the received loan execution condition information stably stored in the processing buffer 137 It will play the role of managing.

In this way, in the processing buffer 137, when the lending execution condition information of the loan applicant who designed the SDLP is completed, the loanable grade calculation unit 136 controlled by the SDLP examination control unit 131 immediately processes the processing. After accessing the buffer 137, the loan requester side loan execution condition information stored therein is read and secured, and the lending grade calculation reference information storage unit 138 is communicated with, and the loanable grade stored therein. Scanning the calculation standard information, the loan criterion calculation standard information is compared with the loan applicant's loan execution condition information, and through this, a procedure for calculating the lender's loan rating of the loan applicant who designed the SDLP is performed.

Under this process, for example, information on the possibility of executing loans by loan applicants who have designed SDLP is shown below: <Debt Status: 1 million won (XX Bank), Delinquency History: 2 times (XX Card Company) It includes the credit ratings of financial institutions: B +> and the corresponding information on calculating loanable ratings is <debt status: 5 million to 1 million won, delinquency history: 1 to 3 times, asset status: XX, financial credits Grade: B- ~ B +, the loanable grade is 3-2 grade >>, the loanable grade calculation unit 136 ranks the loanable grade of the loan applicant who designed the SDLP by grade 3-2. It is calculated and confirmed.

Through this procedure, when the borrower's grade of designing the SDLP is calculated and determined, the loanable grade calculating unit 136 immediately communicates with the processing buffer 137 to obtain the loan grade. Take measures to stably store in the processing buffer 137.

In this way, in the processing buffer 137, when the loanable grade of the loan-listing designer who designed the SDLP is completed, the SDLP loanability examination unit 139 controlled by the SDLP examination control unit 131 immediately processes the processing buffer ( 137), and reads and secures the details of the borrower's loanable grades stored therein, and communicates with the loan standard history storage unit 140 for each loanable grade, and stores the loan standard by loanable grade stored therein. Among the details, the procedure of extracting and securing the loan criteria corresponding to the borrower's loanable grade (eg, 3-2 grade) is performed (see FIG. 4).

Through the above-described procedure, if the loan criteria corresponding to the lender's lender's lender's loan level are secured, the SDLP loan availability screening unit 139 immediately checks the loan criteria and the SDLP's loan designed by the loan applicant. Compare the design details (eg loan amount, loan interest rate, loan period, loan repayment method, loan type, loan repayment date, etc.) The procedure of examining the process is performed (see FIG. 4).

Under this process, for example, the loan criteria that match the lender's grade (e.g., 3-2) of the loan applicant who designed the SDLP are <Loan Amount: 2 million Won or less, Loan Interest Rate: 18% ~ 22 %, Loan period: 1 year or less ‥‥> and the details of the loan implementation design of the SDLP, such as <Loan amount: 1 million won, interest rate: 20%, loan period: 1 year ‥‥> If the problem is not found in the loan execution design of the SDLP of the borrower, that is, when the loan execution design of the SDLP meets the loan criteria, the SDLP loan The availability review unit 139 immediately determines whether the loan applicant (ie, the SDLP designed by the loan applicant) is available for loan.

However, the contents of loan criteria that match the lender's level of lenders who designed SDLP are <Loan Amount: KRW 2 Million, Loan Interest Rate: 18% ~ 22%, Loan Period: Less than 1 Year. Despite this, the loan implementation design details of the SDLP's loan applicants include <3 million loans, interest rate of loans: 16%, loan period: 2 years ‥‥> and so on. If it is determined that the execution design details have a <problem that does not meet the loan criteria in loan amount, loan interest rate, loan period, etc.>, the SDLP loan availability review unit 139 immediately prompts the loan requester (ie, In this case, it is decided whether or not the loan can be made by SDLP.

By performing the function of the SDLP loan availability review unit 139, if the loan prospector (ie, the SDLP designed by the loan requestor) is determined as loanable or non-loanable, the SDLP examination is completed. The SDLP examination result notification unit 141 controlled by the control unit 131 immediately communicates with the SDLP decision management module 150 or the SDLP redesign management module 160 via the information exchange unit 132 immediately. In the following, a series of SDLP confirmation management procedures by the SDLP confirmation management module 150 or a series of SDLP redesign management procedures by the SDLP redesign management module 160 may be selectively performed according to the SDLP examination result. You will be guided to help.

In this case, a series of SDLP confirmation management procedures by the SDLP confirmation management module 150 may be selectively performed when it is determined that the loan requestor (ie, SDLP designed by the loan requestor) is determined as <loanable>. In addition, a series of SDLP redesign management procedures performed by the SDLP redesign management module 170 are selectively performed when the loan requester (ie, the SDLP designed by the loan requester) is determined to be <non-loan>. (Of course, a series of SDLP redesign management procedures by the SDLP redesign management module 170 will solve the problem of the SDLP on the loan-seeker side. Accordingly, the SDLP normally passes the system 200 side examination. If so, a series of SDLP confirmation management procedures by the SDLP confirmation management module 150 are subsequently performed).

Meanwhile, the SDLP confirmation management module 150 of the present invention controlled by the SDLP loan management server 101 forms a series of communication relationships with the service page operation module 103 and the loan applicant client 11, and the above-described SDLP When it is confirmed by the examination management module 130 that the loan of the SDLP is possible, the SDLP loan confirmation details corresponding to the loan execution design details of the SDLP are generated, and the loan-seeker client 11 is notified, and correspondingly, According to the loan requestor's acceptance, the communication with the SDLP loan execution module 105 serves to induce loans corresponding to the loan execution design details of the SDLP to be implemented (see FIG. 4).

In this case, as shown in FIG. 7, the SDLP confirmation management module 150 of the present invention is placed under the control of the SDLP confirmation control unit 151 and the SDLP confirmation control unit 151 which collectively controls the overall SDLP confirmation management procedure. SDLP Receiving Unit (153), SDLP Review Result Receiving Unit (154), SDLP Loan Confirmation Generation Unit (155), SDLP Loan Determination Confirmation Unit (158), Loan Desire Response Receiving Unit (159), SDLP Adjustment History Review The unit 160, the SDLP loan execution notification unit 161, and the like take a close combination.

At this time, the SDLP receiving unit 153 controlled by the SDLP confirmation control unit 151 selectively forms a series of signal connection relationships with the above-described SDLP reception management module 120 via the information exchange unit 152, When the loan requester side SDLP is received by performing the function of the SDLP acceptance management module 120, the SDLP acceptance management module 120 receives the SDLP reception management module 120, receives the loan requester side SDLP, and then processes the received SDLP into a processing buffer ( 157) to stably store and manage.

In addition, the SDLP examination result receiving unit 154 controlled by the SDLP determination control unit 151 selectively forms a series of signal connection relationships with the SDLP examination management module 130 via the information exchange unit 152, By performing the function of the SDLP examination management module 130, a screening result (that is, a screening result of the purpose of lending) is derived for the loan-seeker SDLP, and when the corresponding screening result is transmitted, it is received and then completed. The SDLP audit result data is stably stored and managed in the processing buffer 157.

In this way, in the processing buffer 157, when the examination result data for the loan-wisher side SDLP and the loan-seeker side SDLP is completed, the SDLP loan determination history generation unit 155 controlled by the SDLP settlement control unit 151 performs processing. In communication with the buffer 157, the result of the examination of the SDLP stored therein is read to check whether the loan of the SDLP is possible. Through this, the result of the examination of the SDLP on the loan-seeker side is determined to be loanable. It is checked again whether or not>.

When the verification process is completed, the SDLP loan confirmation history generation unit 155 immediately accesses the processing buffer 157, reads the loan execution design history of the SDLP stored therein, and then executes the loan completion of the read SDLP. Based on the design details, a series of arithmetic procedures (that is, a calculation procedure for converting the SDLP's loan execution design details into corresponding repayment plan information) are performed to calculate repayment plan information of the SDLP, and the calculated repayment plan information is calculated. After processing into easy-to-read patterns (graph patterns, table patterns, etc.), a procedure for generating SDLP loan confirmation details including the repayment plan information is performed.

Within this process, for example, the loan execution design details of the SDLP such as <Loan Amount: 1 Million Won, Loan Interest Rate: 20%, Loan Period: 1 Year ‥‥> are shown in Table 1 below. The plan information will be changed and included in the SDLP loan confirmation.

Redemption Days of use principal Loan balance Monthly interest rate interest Monthly payment Principal repayment rate 1st round 20 days : : 2.8% : : 16.7% 2nd round 30 days : : 2.8% : : 16.7% : : : : : : : : total : : : : : : :

In this way, when a series of SDLP loan determination details are generated, the SDLP loan determination history presentation unit 158 controlled by the SDLP settlement control unit 151 immediately communicates with the SDLP loan determination history generation unit 155, After receiving the SDLP loan determination details generated by this, the communication unit 152 communicates with the service page operation module 103 and receives the received SDLP loan determination details to the service page operation module 103. It will play the role of delivering.

Of course, under the role of the SDLP loan determination history presentation unit 158, when the SDLP loan determination history is delivered, the service page operation module 103 is a service page (203: FIG. 3C) which is transmitted and posted to the loan requesting client 11 side. (See Figs. 3C and 4), and finally, in such an insertion / entry situation of the SDLP loan determination details, on the loan-seeker side, the service page (203) is taken. <Recommended Repayment Plan, corresponding to the loan execution history (e.g. loan amount, loan interest rate, loan period, loan repayment method, loan type, loan repayment date, etc.) Information>, furthermore, accepting the reimbursement plan information (i.e., accepting the loan transaction implementation of the SDLP you design), or adjusting some of the repayment plan information. Easily it is possible to proceed with the tea.

In this situation, the borrower accepts the reimbursement plan information (i.e., SDLP loan confirmation details) that is confirmed (i.e., accepts the actual lending transaction of the SDLP that he or she designed), and then the lender desires client 11 When the corresponding acceptance data is transmitted, the SDLP loan execution notification unit 161 controlled by the SDLP settlement control unit 151 immediately communicates with the SDLP loan execution module 105 via the information exchange unit, and the SDLP To the loan enforcement module 105, it performs a role of delivering a series of <loan execution notification message>.

Of course, under the performance of the function of the SDLP loan execution notification unit 161, if a series of <loan execution notification message> is delivered, the SDLP loan execution module 105 controlled by the SDLP loan management server 101 immediately, The interface module 102 communicates with the term loan execution system 20 and passes various types of information related to the SDLP to the term loan execution system 20, thereby providing loan execution design details of the SDLP. The loan corresponding to the loan will be carried out under the performance of the term loan execution system 20 side to be realistically executed (see FIG. 4). Within it, you can enjoy a variety of stable loan services.

On the other hand, in the situation where the repayment plan information described above is posted through the service page 203, the borrower wishes to adjust some items of the repayment plan information, for example, the principal repayment rate, interest repayment rate, principle repayment rate, etc. When a series of adjustment SDLPs are transmitted from the loan-desiring client 11 side, the SDLP adjustment history review unit 160 controlled by the SDLP confirmation control unit 151 may perform the information exchange unit. After receiving this, the relevant SDLP is checked and a procedure for examining the abnormality is performed.

As a result of this review, if it is confirmed that there is no abnormality in the <adjusted SDLP> presented by the loan applicant (in contrast, the adjustment details of the adjusted SDLP may adversely affect the above-described results of the SDLP review. If it is confirmed that there is an abnormality in the SDLP, the SDLP review unit immediately transmits the abnormality to the SDLP confirmation control unit 151 so that, for example, a notification message indicating an error of the adjusted SDLP may be transmitted to the loan-seeker side. The SDLP adjustment history review unit 160 immediately communicates with the SDLP loan determination history generation unit 155 described above, and the repayment plan information of the SDLP described above is changed into the description of the SDLP loan side adjustment SDLP. Through the service page 204 as shown in FIG. 3D, the adjusted SDLP loan confirmation details may be induced to be newly generated and presented to the loan applicant side.

Of course, even in this situation, the borrower wishes to examine the repayment plan information adjusted by himself and accept it (that is, accept the realization of the loan transaction of the adjusted SDLP adjusted by him), or partially repay the repayment plan information. It will be easy to proceed with the adjustment process, and in the future, it will be possible to easily enjoy a stable loan service within the customized loan execution history designed by him.

On the other hand, in the situation where a series of SDLP examination process is in progress by the above-described SDLP examination management module 130, the SDLP redesign management module 170 of the present invention controlled by the SDLP loan management server 101 is a service page When the SDLP examination management module 130 confirms that the loan of the SDLP is impossible, while forming a series of communication relationships with the operation module 103 and the loan-desiring client 11, the loan execution design details of the SDLP are described. By modifying the loan to a possible level, a redesigned SDLP is generated, and a role of notifying the borrowed candidate client 11 of the redesigned SDLP is generated.

In this case, as shown in FIG. 8, the SDLP redesign management module 170 is placed under the control of the SDLP redesign control unit 171 and the SDLP redesign control unit 171 which collectively controls the overall SDLP redesign management procedure. , SDLP receiver 173, SDLP audit result receiver 174, redesigned SDLP generator 176, redesigned SDLP presentation unit 178, redesign response history receiver 179, redesign response history processor ( 180) and the like are taken in close combination.

Here, the SDLP receiving unit 173 controlled by the SDLP redesign control unit 171 selectively forms a series of signal connection relationships with the above-described SDLP reception management module 120 via the information exchange unit 172. In response to the completion of the function of the SDLP reception management module 120, when the loan-desired side SDLP is received, the SDLP reception management module 120 communicates with the SDLP reception management module 120 to receive the loan-side SDLP, and then processes the received SDLP. It is to perform the role of stably storing and managing within (175).

In addition, the SDLP audit result receiving unit 174 controlled by the SDLP redesign control unit 171 selectively forms a series of signal connection relationships with the SDLP audit management module 130 via the information exchange unit 172. By performing the function of the SDLP audit management module 130, a screening result (that is, a screening result of a loan impossible) is derived for the SDLP of the loan-seeker side, and when the corresponding screening result is transmitted, it is received and then received. It performs the role of stably storing and managing the completed SDLP audit result data in the processing buffer (175).

In this way, in the processing buffer 175, when the examination result data for the loan-seeker side SDLP and the loan-seeker side SDLP is completed, the redesigned SDLP generation unit 176 controlled by the SDLP redesign controller controls the processing buffer 175. ), The SDLP audit results stored therein are read to check whether or not the SDLP can be loaned. In addition, it will reconfirm the lender's grade of loan applicants who designed SDLP.

When the verification process is completed, the redesigned SDLP generation unit 176 communicates with the loan standard history storage unit 177 for each loanable grade, and among the loan standard contents for each loanable grade stored therein, it is possible for the borrower to borrow. The procedure of extracting and securing the loan standard contents matching the grade (for example, 3-2 grade) is performed (see FIG. 4).

Through the above-described procedure, if the loan criteria corresponding to the lender's grade of the loan applicant who designed the SDLP are secured, the redesigned SDLP generation unit 176 immediately proceeds with a series of information modification routines, and the loan applicant side. The loan performance of the SDLP is modified according to the loan criteria that match the lender's lender's lender's level of availability (ie, to the extent that the loan can be made), thereby creating a redesigned SDLP. .

Under these procedures, for example, loan history of SDLP, which includes loan contents: 3 million won, loan interest rate: 16%, and loan period: 2 years ... According to the matching loan criteria (e.g. loan amount: 2 million won or less, loan interest rate: 18% ~ 22%, loan period: 1 year or less ‥‥), loan amount: 2 million won, loan interest rate: 20%, loan Period: 1 year ‥ ‥>, etc., In the end, the redesigned SDLP's loan execution details include <loan amount: 2 million won, interest rate: 20%, loan period: 1 year ‥‥> You can put it naturally.

In this way, when a series of redesigned SDLPs are generated, the redesigned SDLP presentation unit 178 controlled by the SDLP redesign control unit 171 communicates with the redesigned SDLP generation unit 176, thereby regenerating the redesigned SDLPs. After receiving the design SDLP, it communicates with the service page operation module 103 via the information exchange unit 172, and serves to deliver the received redesigned SDLP to the service page operation module 103. .

Of course, under the role of the redesigned SDLP presentation unit 178, when the redesigned SDLP is delivered, the service page operation module 103 is a service page (205: see FIG. 3E) which is transmitted and posted to the loan-desiring client 11 side. In this case, measures are taken to process and insert the redesigned SDLP (see FIGS. 3E and 4). In the end, in such an insertion and description situation of the redesigned SDLP, the loan-seeker side is posted on the service page 205. While manipulating the menu, the system 100 can recommend <Re-designed SDLP Loan Execution History> recommended, and furthermore, accept the recommended redesigned SDLP (i.e., redesigned SDLP designed by the system). Will be able to accept the actual loan transaction realization, or make some adjustments to the loan history of the redesigned SDLP.

In such a situation, the lender desires to accept the redesigned SDLP recommended by the system 100 side (i.e., to accept the loan transaction realization of the redesigned SDLP designed by the system side), and from the lender-desiring client 11 side. When the corresponding acceptance data is transmitted, the redesign response history receiver 179, the redesign response history processor 180, and the like controlled by the SDLP redesign control unit 171 immediately receive the same, and then, as described above, The SDLP audit management module 130 takes steps to deliver the redesigned SDLP, and the redesigned SDLP (ie, the SDLP that the borrower desires to agree with the system redesign details) follows the review and confirmation procedures. Through the loan, it leads to a normal phase of loan execution, and in the end, in this situation, the loan-seeker side does not have the same difficulty as the conventional one. Within a close range, it is possible to enjoy the reliable loan service.

Meanwhile, in the situation where the redesigned SDLP described above is posted through the service page 205, the borrower desires to adjust some items of the loan execution history described in the redesigned SDLP, and proceeds with the corresponding computational work. When a series of loan execution adjustment information is transmitted from the loan requesting client 11 side, the redesign response history processing unit receives the information through the information exchange unit 172, the redesign response history receiving unit 179, and the like. In addition, the loan execution adjustment information is checked and the procedure for reviewing the abnormality is carried out.

As a result of this review, if it is confirmed that there is no abnormality in the loan history adjustment information presented by the loan requester (if not, the loan history adjustment information may adversely affect the result of re-examination of the SDLP which will be subsequently performed. If the loan execution adjustment information is confirmed to be abnormal, the redesign response history processing unit 180 immediately transfers the abnormality to the SDLP redesign control unit 171, and the error of the loan execution adjustment information. The redesign response history processing unit 180 immediately communicates with the redesigned SDLP as described above, so that the loan execution history of the redesigned SDLP is determined by the lender. According to the intention of the side, a newly changed adjustment design SDLP may be newly generated and presented to the loan-seeker side through the service page 205 as shown in FIG. 3E. It will perform the role of induction.

Of course, even in this situation, the lender wants to look closely at the adjustment design SDLP that he or she adjusted and accept it (i.e., accept the actual loan transaction implementation of the adjustment design SDLP that he or she adjusted), or the adjustment design SDLP. It will be easy to proceed with some adjustments, and later, it will be possible to enjoy a stable loan service within the range that is optimally close to the customized loan execution history.

This invention can be variously modified depending on the situation.

For example, in the present invention, the SDLP loan management server is connected to the signal application <appropriate loan operation system of the online short selling method> previously filed by the applicant (Application No .: 10-2007-33734), and through this, the loan-seeker Modifications may be taken to induce the SDLP to naturally go through the process of receiving a series of loan loan auction items.

Of course, under such a modified situation, the loan-seeker side can flexibly enjoy not only various advantages according to the present invention, but also various advantages corresponding to the short-selling mechanism of the new concept.

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

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

1 is an exemplary diagram conceptually showing an online loan product selling procedure according to the prior art.

Figure 2 is an illustration conceptually showing a loan product management system based on the online network according to the present invention.

3A to 3F are conceptual diagrams conceptually showing a loan applicant client side posting form of a service page according to the present invention.

Figure 4 is an exemplary diagram conceptually showing the overall process of the loan product management system according to the present invention.

5 is an exemplary diagram conceptually showing a detailed configuration of the SDLP reception management module according to the present invention.

6 is an exemplary diagram conceptually showing a detailed configuration of the SDLP audit management module according to the present invention.

7 is an exemplary diagram conceptually showing a detailed configuration of the SDLP confirmation management module according to the present invention.

8 is an exemplary view conceptually showing the detailed configuration of the SDLP redesign management module according to the present invention.

Claims (8)

Loan applicants Self Design Loan Products (SDLP) are connected to a signal for a loan applicant who is connected to an online network. SDLP loan management server that manages the procedures to guide the creation, the process of receiving the SDLP, the process of examining the SDLP, the process of executing a loan matching the loan execution design details of the SDLP according to the result of the examination Wow; Controlled by the SDLP loan management server and selectively communicating with the loan applicant client, presenting SDLP generation basic information for generation of the SDLP to the loan applicant client side, at the loan applicant side, the loan of the SDLP An SDLP reception management module for receiving and processing the SDLP designed by the loan applicant, while guiding the design of the implementation by itself; An SDLP examination management module, controlled by the SDLP loan management server, for communicating with an external financial product loan cooperation system, and judging whether loaning of the SDLP received by the SDLP acceptance management module is possible; If the control is controlled by the SDLP loan management server, and the SDLP examination management module confirms that the loan of the SDLP is possible, it communicates with the term loan execution system to obtain a loan corresponding to the loan execution design details of the SDLP. Loan product management system based on the online network, characterized in that it comprises an SDLP loan enforcement module to implement. The apparatus of claim 1, wherein the SDLP audit management module comprises: an SDLP audit control unit configured to collectively control the overall SDLP audit procedure; A loan execution condition information receiving unit which is controlled by the SDLP examination control unit and which communicates with the financial product loan cooperation system and receives loan execution condition information of the borrower who designed the SDLP; A loan controlled by the SDLP examination control unit and comparing the loan execution condition information of the borrower wishing condition received by the loan execution condition availability information receiving unit with the loan possibility rating calculation standard information, to calculate the loan requestability rating of the loan requester A possible grade calculation unit; After obtaining the loanable grade of the borrower who is controlled by the SDLP examination control unit and calculated by the loanable grade calculation unit, the loan criteria are matched with the applicable loanable grade and the SDLP acceptance management module receives the loanable grade. The loan product management system based on the on-line network, characterized in that it comprises a SDLP loan availability screening unit for comparing the loan execution design details of the SDLP, and examines the loanability of the SDLP. According to claim 1, If the control is controlled by the SDLP loan management server, the SDLP examination management module, if it is confirmed that the loan of the SDLP is possible, the SDLP loan confirmation history corresponding to the loan execution design details of the SDLP The SDLP which generates and notifies the loan applicant client side and communicates with the SDLP loan execution module according to the acceptance of the loan applicant side, induces a loan corresponding to the loan execution design details of the SDLP to be executed. Loan product management system based on the online network characterized in that it further comprises a management module. 4. The SDLP confirmation control module according to claim 3, further comprising: an SDLP confirmation control unit which controls overall SDLP confirmation procedure; An SDLP audit result receiver which is controlled by the SDLP confirmation control unit and communicates with the SDLP audit management module to receive the audit result of the SDLP; SDLP Loan Confirmation, which is controlled by the SDLP Confirmation Control Unit, reads the examination result of the SDLP, checks whether the SDLP is available for loan, and then describes the repayment plan information of the SDLP based on the loan execution design details of the SDLP. SDLP loan determination history generation unit for generating a history; An SDLP loan confirmation history presentation unit, controlled by the SDLP confirmation control unit, for notifying and presenting the SDLP loan decision history generated by the SDLP loan confirmation history generation unit to the loan wanting client side; Controlled by the SDLP confirmation control unit, the loan requester accepts the SDLP loan confirmation details, and when acceptance data is transmitted from the loan requester client side, communicates with the SDLP loan execution module, and loans the SDLP. An online network based loan product management system comprising an SDLP loan execution notification unit for inducing a loan corresponding to the execution design details. 5. The method of claim 4, wherein the SDLP confirmation management module is controlled by an SDLP confirmation control unit, and when the loan requester adjusts the SDLP loan confirmation details, the adjustment SDLP is transmitted from the loan requester client side. Check the SDLP, examine the abnormality of the adjusted SDLP, and in accordance with the result of the review, the SDLP loan confirmation history generation unit communicates with, and the repayment plan information of the SDLP is changed to the description of the adjusted SDLP An online network-based loan product management system, characterized in that it further comprises a SDLP adjustment history review unit for inducing new loan confirmation details to be generated and presented. According to claim 1, If the control is controlled by the SDLP loan management server, the SDLP examination management module, when it is determined that the loan of the SDLP is impossible, by modifying the loan execution design details of the SDLP to the level available for loan And an SDLP redesign management module that generates a redesigned SDLP and notifies the loan-seeking client side of the redesigned SDLP. The apparatus of claim 6, wherein the SDLP redesign management module comprises: an SDLP redesign control unit configured to collectively control the overall SDLP redesign procedure; An SDLP audit result receiver which is controlled by the SDLP redesign control unit and communicates with the SDLP audit management module to receive the audit result of the SDLP; The SDLP redesign control unit reads the examination result of the SDLP, checks whether the SDLP is available for loan, and then checks the loan execution design history of the SDLP based on the loan criteria that match the loanable level. A redesigned SDLP generation unit for modifying the loan to a level capable of generating a loan, and generating the redesigned SDLP; Based on the on-line network, characterized in that it is controlled by the SDLP redesign control unit, and includes a redesigned SDLP presentation unit for notifying and presenting the redesigned SDLP generated by the redesigned SDLP generation unit to the loan-to-client client side. Loan product management system. 8. The redesign response according to claim 7, wherein the SDLP redesign management module is controlled by the SDLP redesign control unit, and communicates with the loan requester client to receive loan requester response data corresponding to the redesigned SDLP. A receiving unit; Controlled by the SDLP redesign control unit, when the loan requester response data includes a request for adjustment of the redesigned SDLP, communication with the redesigned SDLP is performed, and the loan history of the redesigned SDLP is determined. An online network-based loan product management system, further comprising a redesign response history processing unit for inducing a newly generated adjustment design SDLP to be newly generated and presented.

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