KR20090052839A - Method for processing automatic reservation loan - Google Patents

Abstract

The present invention relates to an automatic reservation loan processing method, the customer information of the loan application customer and loan application information and the automatic deposit information for the automatic deposit processing for the automatic deposit processing to the customer account without the separate customer approval after the loan approval, the server, Storing the customer information, loan application information, and automatic deposit information in a storage medium in association with the customer information, and generating a loan application electronic document including the customer information, loan application information, and automatic deposit information in the electronic document repository in the server; Storing the loan; approving the loan for the loan amount corresponding to the loan request information on the basis of the loan application electronic document; and depositing the loan amount on the basis of the automatic deposit information previously stored in the storage medium in the server. Automatically depositing into the customer account.

Reservation Loan, Loan Processing, Auto Loan

Description

Method for Processing Automatic Reservation Loan}

1 is a diagram showing the configuration of an automatic reservation loan system according to an embodiment of the present invention.

Figure 2 is a view showing a face-to-face loan processing system for the automatic deposit processing of security loans according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a structure of reservation secured loan application information stored in a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for automatic deposit processing of secured loan according to an embodiment of the present invention.

FIG. 4 is a diagram illustrating a structure of reservation collateral loan application information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for automatic deposit processing of a security loan according to another embodiment of the present invention. .

FIG. 5 is a diagram illustrating a structure of a reservation collateral loan application information stored in a DBMS provided in a banking server in a face-to-face manner for automatic deposit processing of a security loan according to another embodiment of the present invention.

6A and 6B illustrate a process of registering reservation security loan application information in a face-to-face manner according to one embodiment of the present invention.

7A and 7B illustrate a process of registering reservation security loan application information in a face-to-face manner according to another exemplary embodiment of the present invention.

8A and 8B illustrate a process of registering reservation security loan application information in a face-to-face manner according to another exemplary embodiment of the present invention.

Figure 9 shows a preferred configuration of the automatic deposit processing and notification system for notifying the automatic deposit processing and the customer after loan approval in accordance with the implementation method of the present invention.

10A and 10B illustrate a preferred flowchart of an automatic deposit processing and notification system for notifying a customer after the loan is approved and a customer according to an embodiment of the present invention.

11 is a view showing a non-face-to-face loan processing system for automatic mortgage payment processing according to another embodiment of the present invention.

FIG. 12 is a diagram illustrating a structure of reservation secured loan application information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for automatic deposit processing of secured loan according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating the structure of reservation collateral loan application information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for automatic deposit processing of a security loan according to another embodiment of the present invention. to be.

14 is a diagram illustrating a structure of a reservation collateral loan application information stored in a DBMS provided in a banking server in a non-face-to-face manner for automatic deposit processing of a security loan according to another embodiment of the present invention.

15A and 15B are diagrams illustrating a process of registering reservation mortgage application information in a non-face-to-face manner for automatically depositing a mortgage according to an embodiment of the present invention.

16A, 16B, and 16C illustrate a process of registering reservation security loan application information through a non-face-to-face financial transaction channel for automatic deposit processing of a security loan according to an embodiment of the present invention.

Figure 17 illustrates a preferred configuration of the automatic deposit processing and notification system for notifying the customer after the loan approval and the customer according to the implementation method of the present invention.

18A and 18B illustrate a preferred flowchart of a reservation loan and a loan deposit system that notifies the customer after the loan is approved and the loan is processed according to one embodiment of the present invention.

19 is a diagram illustrating a face-to-face loan processing system for automatic reservation loan deposit processing according to an embodiment of the present invention.

20 is a diagram showing the configuration of the automatic reservation loan application information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for automatic reservation loan deposit processing according to an embodiment of the present invention.

21 is a diagram showing the configuration of automatic reservation loan application information stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for automatic reservation loan deposit processing according to another embodiment of the present invention Drawing.

FIG. 22 is a diagram illustrating the configuration of automatic reservation loan application information stored in a DBMS provided in a banking server in a face-to-face manner for automatic reservation loan deposit processing according to another embodiment of the present invention.

23A and 23B illustrate a process of registering automatic reservation loan application information in a face-to-face manner according to one embodiment of the present invention.

24A and 24B illustrate a process of registering automatic reservation loan application information in a face-to-face manner according to another exemplary embodiment of the present invention.

25A and 25B illustrate a process of registering automatic reservation loan application information in a face-to-face manner according to another exemplary embodiment of the present invention.

Fig. 26 shows a preferred configuration of the automatic deposit processing and notification system for notifying the customer and the automatic deposit processing at the reservation date and time after loan approval according to the method of the present invention.

27A and 27B illustrate a preferred flowchart of an automatic deposit processing and notification system for notifying customers of reservations and deposits after loan approval according to an embodiment of the present invention.

28 is a diagram illustrating a non-face-to-face loan processing system for automatic reservation loan deposit processing according to another embodiment of the present invention.

29 is a view showing the configuration of automatic reservation loan application information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for automatic reservation loan deposit processing according to an embodiment of the present invention.

30 is a view showing the configuration of automatic reservation loan application information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for automatic reservation loan payment processing according to another embodiment of the present invention to be.

31 is a view showing the configuration of the automatic reservation loan application information stored in the DBMS provided in the banking server in a non-face-to-face for automatic reservation loan payment processing according to another embodiment of the present invention.

32A and 32B illustrate a process of registering automatic reservation loan application information in a non-face to face manner for automatic reservation loan deposit processing according to an embodiment of the present invention.

33A, 33B, and 33C illustrate a process of registering automatic reservation loan application information through a non-face-to-face financial transaction channel for automatic reservation loan deposit processing according to an embodiment of the present invention.

Fig. 34 shows a preferred configuration of the automatic deposit processing and notification system for notifying the automatic deposit processing and the customer at the reservation date and time after loan approval according to the method of the present invention.

35A and 35B illustrate a preferred flowchart of an automatic deposit processing and notification system for notifying a reservation automatic deposit and a customer after loan approval according to an embodiment of the present invention.

<Description of main parts of drawing>

100: loan processing server 105: automatic deposit processing server

110: wireless server 115: ARS server

120: electronic document server 125: loan application terminal

130: employee terminal 135: wireless terminal

The present invention receives the customer information and loan application information of the loan application customer and the automatic deposit information for the automatic deposit processing of the loan amount to the customer account without a separate customer approval after the loan approval, the customer information and the loan application information and Linking the automatic deposit information to a storage medium; generating a loan application electronic document including the customer information, loan application information, and automatic deposit information in a server and storing the electronic payment information in an electronic document repository; Approving the loan for the loan amount corresponding to the loan application information based on the application electronic document, and the step of automatically depositing the loan amount to the customer account on the basis of the automatic deposit information stored in the storage medium in the server An automatic reservation loan processing method is included.

The rapid development of modern society has resulted in the development of urbanization and urbanization, which requires a lot of funds for social life, but it is necessary for loans because nobody is accumulating much wealth.

However, when a visit to a financial company in order to receive a predetermined loan is submitted a lot of documents, there is a problem that the visit process goes through several times than when the visit ends.

In addition, when a plurality of visits, the customer applying for the loan has a problem that a waste of time occurs.

In addition, in the case of applying for a loan for the necessary funds in the future, if the loan application in advance, since loan interest is generated from the loan date, there is a problem that unnecessary loan interest payment occurs.

An object of the present invention for solving the above problems is, when the customer information and loan application information of the loan application customer and the automatic deposit information for processing the automatic deposit to the customer account without the separate customer approval after the loan approval, the server, Storing the customer information, loan application information, and automatic deposit information in a storage medium in association with the customer information, and generating a loan application electronic document including the customer information, loan application information, and automatic deposit information in the electronic document repository in the server; Storing the loan; approving the loan for the loan amount corresponding to the loan request information on the basis of the loan application electronic document; and depositing the loan amount on the basis of the automatic deposit information previously stored in the storage medium in the server. It provides an automatic reservation loan processing method comprising the step of automatically depositing the customer account.

In the automatic reservation loan processing method according to the present invention, when the customer information and loan application information of the loan application customer and the automatic deposit information for automatically depositing the loan amount to the customer account without a separate customer approval after the loan approval is received, the server And storing the customer information, loan application information, and automatic deposit information in a storage medium in association with the customer information, and generating a loan application electronic document including the customer information, loan application information, and automatic deposit information in the electronic document repository. And approving a loan for the loan amount corresponding to the loan application information on the basis of the loan application electronic document at the server, and retrieving the loan amount based on the auto deposit information previously stored in the storage medium at the server. Characterized in that it comprises the step of automatically depositing the customer account.

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 functions 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 terminology so that those skilled in the art to which the present invention pertains may clearly understand the technical features to which the present invention pertains. 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 showing the configuration of an automatic reservation loan system according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined customer related to a predetermined loan including at least one predetermined customer information, loan application information, customer wireless terminal 135 information, automatic deposit information after approval through a predetermined loan application terminal When the information is provided (depending on the loan method, the loan related information may further include reservation deposit information and deposit reservation date and time information after approval) to a predetermined loan processing system, the employee may perform the loan for a predetermined period based on the loan related information. The application information is reviewed, and the loan approval information is provided to the predetermined automatic deposit processing server 105 through the predetermined employee terminal 130 in response to the examination result, and is approved after the loan (or a specific reservation date and time after the loan approval). Apply for a loan to the customer's account or a new account for the loan and automatically deposit the loan, SMS (Short Mess) by linking the loan payment information with a predetermined wireless server 110 A preferred overall diagram of a system for transmitting to a wireless terminal 135 of a customer through at least one guide means including at least one service or an ARS (Automatic Response System) service, the present invention Those skilled in the art will be able to infer various implementation methods of the automatic reservation loan system by referring to and modifying the drawing 1, but the present invention is not limited to the drawing 1, but includes all the implementation methods inferred above do.

According to the implementation method of the present invention, when the customer provides loan related information to the loan application terminal, the loan application terminal is the customer information included in the loan related information, loan application information, automatic deposit information after approval, customer Provide the wireless terminal 135 information (which may further include reservation deposit information and deposit reservation date and time information after approval) to the loan processing server 100 in the loan processing system, and the loan processing server 100. Preferably, the loan-related information provided is generated in a predetermined electronic document and stored in a predetermined electronic document storage, but may also be stored in another form determined by a contractor such as paper, not an electronic document, depending on the operator. Thereby, this invention is not limited.

According to the implementation method of the present invention, the customer provides loan related information through the loan application terminal, the employee examines the loan application information for a predetermined period based on the loan related information, the loan corresponding to the examination result After the approval (or a specific reservation date after approval), the reservation loan system that automatically deposits the loan to the account of the loan application customer and notifies the loan application customer of the result of the automatic deposit processing, relates to the loan necessary for the reservation loan from the customer. The loan application terminal receives information, the loan-related information is received from the loan application terminal to generate the electronic document, provided and stored in the electronic document storage, and the loan-related information is linked to a predetermined storage medium Loan processing server 100 to store in the electronic document provided by the loan processing server 100 Receiving and storing electronic document server 120, after the loan approval (or a specific reservation date and time after the loan approval, etc.) automatically deposit the loan to the account of the loan application customer or a new account for the loan, and the loan payment information to the wireless server Automatic deposit processing server 105, the employee to transfer to the wireless terminal 135 of the customer through the guide means including at least one or more ARS services through the SMS or ARS server 115 in connection with 110 It is characterized in that it comprises a staff terminal 130 receives the loan approval information provided to the automatic deposit processing server 105.

According to an embodiment of the present invention, the loan application terminal, in addition to a predetermined client terminal, an automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash Dispenser); A financial automation device (not shown) including a CD) and / or a predetermined wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises a call terminal (not shown), and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or with the financial institution Terminal (and / or server) (not shown) provided in at least one affiliated organization may be further included, whereby the present invention is not limited.

According to an embodiment of the present invention, the loan processing server 100 and the automatic deposit processing server 105 shown in FIG. 1 may be configured as one server or at least one separate server for each functional configuration. It is also possible, and the present invention is not limited thereby.

2 is a view showing a face-to-face loan processing system for automatic mortgage payment processing according to an embodiment of the present invention.

In more detail, Figure 2, when a predetermined customer fills out and submits a reservation mortgage application including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information for the automatic deposit processing of collateral loans; Acquires predetermined image contents corresponding to the reservation collateral loan application through a predetermined image acquisition device at a predetermined window terminal, and reserves collateral corresponding to the reservation collateral loan application to a loan processing system through a predetermined information registration interface; When providing the loan application information and the image content obtained from the reservation mortgage application, a predetermined reservation mortgage application electronic document including the image content is generated and stored in a predetermined electronic document storage, and the reservation mortgage application is made. Customer information, loan application information, and after approval A system configuration for interworking automatic deposit information and customer wireless terminal information to store in a predetermined storage medium 245. Specifically, the electronic document storage system is an external system connected to the loan processing system through a predetermined communication means. It is about the implementation method provided in the phase.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to infer various implementation methods for the construction of a loan processing system for automatic deposit processing of mortgage loans. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 2 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the loan processing system. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 2, the reservation security loan application electronic document corresponding to the reservation security loan application will be described as being generated on the server side on the loan processing system, but the present invention is limited thereto. The reservation secured loan application electronic document may not be generated at the terminal that acquires the image content corresponding to the reservation secured loan application through a predetermined image acquisition device (for example, the electronic document provided at the server side). Generation function is provided on the terminal side to generate the reservation secured loan application electronic document), whereby the present invention is not limited.

Hereinafter, through the predetermined information registration interface on the loan processing system shown in FIG. 2, the reservation security loan application information and the image content corresponding to the reservation security loan application prepared by the customer are provided to receive the predetermined reservation security loan application electronic document. A component corresponding to at least one or more means and / or functional configurations that are generated and stored in a predetermined electronic document storage, and stored in the predetermined storage medium 245 in the predetermined secured document storage " loan processing server 200 ) "

Referring to FIG. 2 according to an embodiment of the present invention, the loan processing system for the automatic deposit processing of the security loan, the loan application terminal 275 including a teller terminal provided in at least one branch (or branch) of the financial institution; The loan application terminal 275 is connected to the loan processing server 200 provided on the loan processing system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for the automatic deposit processing of the collateral loan, and through a window (or a teller staff) provided at the financial institution branch branch (branch branch). ) A predetermined secured loan application (eg, a document having a form for filling in at least one information item for the secured loan payment processing) for the secured loan automatic payment processing, wherein the customer It is preferable to seal the seal of the customer for legal basis for the reservation mortgage application.

Subsequently, when the customer submits the prepared reservation collateral loan application to the counter employee, the counter staff scans the reservation collateral loan application through a predetermined image acquisition device, acquires predetermined image contents, and opens a predetermined counter terminal. Reservation mortgage application information including at least one of the image content obtained in response to the reservation mortgage application through the customer information, loan application information, automatic deposit information after approval, customer wireless terminal information entered in the reservation mortgage loan application In response thereto, it is preferable that the counter terminal transmits the image content and the reservation security loan application information to the loan processing server 200 provided on the loan processing system through the financial network. .

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the loan processing server 200 connected to the window terminal is provided on the predetermined financial system It is preferable to include a server (eg, a ledger server, etc.), and the financial network connecting the teller terminal and the loan processing server 200 connects a communication channel between the teller terminal and the loan processing server 200. It is preferable to comprise a network.

In the loan processing system as described above, the image acquisition device for acquiring the image content corresponding to the reservation secured loan application prepared by the customer, the teller terminal used by the employee and the teller terminal and the loan processing server 200 The connecting financial network performs a function of an information registration interface for the customer to register the reserved mortgage application information for the secured loan automatic payment processing.

The storage medium 245 provided on the loan processing system according to the present invention includes the customer information, loan application information, and automatic deposit information after approval included in the reservation security loan application information provided from the loan application terminal 275. The customer wireless terminal information is linked and stored in a predetermined storage medium 245.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (eg, the customer is finance of the financial institution) At least one member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system associated with the loan processing system corresponding to the customer by joining as a transaction customer It is preferable to make it.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

After the approval, the automatic deposit information is based on the reservation mortgage application made by the customer who visits a predetermined financial institution, and the loan application amount is reviewed. If the loan application is approved in response to the examination result, the loan application is made. As information for transferring a loan to a customer's account, it is preferable to include at least one or more loan application customer account number to which the customer's loan is deposited, automatic deposit approval information after approval, and the like.

In addition, the customer wireless terminal information is determined to loan the loan application amount based on the reservation secured loan application prepared by the customer, and in response to the examination result, the loan approval is determined and the loan is transferred to the account of the loan application customer. When the deposit is made, the deposit result may include a wireless terminal number for transmitting an SMS text message or ARS voice announcement to the customer wireless terminal associated with the loan deposit account, and based on the reservation security loan application prepared by the customer. When the loan approval is determined and the loan approval is determined and the loan is deposited into the account of the customer applying for the loan, the result of the deposit is sent to the customer wired terminal associated with the loan deposit account. Customer wired terminal information including a wired terminal number for transmitting the may be further added.

According to an exemplary embodiment of the present invention, the customer wireless terminal information includes at least one or more of a portable Internet terminal used by the customer, a high speed downlink packet access (HSDPA) or a wireless broadband based wireless terminal. It is preferable to include at least one or more messenger ID or e-mail address in the terminal.

According to one embodiment of the invention, the storage medium 245 is preferably provided in a DBMS on a financial system provided on the loan processing system (or associated with the loan processing system), wherein the storage medium Reference numeral 245 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 245 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The loan processing server 200 provided on the loan processing system according to the present invention is a generic term for the loan processing system side components connected to the loan application terminal 275 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the loan application terminal 275 is a window terminal connected to a predetermined financial network, the loan processing server 200 is located on a financial system connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to the embodiment of the present invention, the loan processing server 200 is provided with an interface unit (or interface means) 205 for connecting and managing a predetermined communication channel with the loan application terminal 275 through the financial network. Characterized in that made.

According to the method of the present invention, when the loan application terminal 275 is a window terminal connected to a predetermined financial network, the interface unit 205 selects the window terminal and the predetermined terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction related program provided in the window terminal.

Referring to FIG. 2, when the predetermined loan application terminal 275 connects a predetermined communication channel with the loan processing server 200 through the interface unit 205, the loan is secured. Acquiring image contents corresponding to the reserved mortgage loan application prepared by the customer through a predetermined image acquisition device provided in the loan application terminal 275 for the automatic deposit processing of the loan, and making a reservation collateral corresponding to the reservation mortgage loan application Generate (or extract) at least one user interface for inputting (or selecting) loan application information to transmit to the loan processing server 200 and generating (or extracting) the link in connection with the interface unit 205. The interface providing unit (or interface providing means) 210 for providing a user interface to the loan application terminal 275 and the loan application terminal 275 When the reservation security loan application information corresponding to the reservation security loan application is input (or selected) through a user interface and transmitted, the reservation security loan transmitted from the loan application terminal 275 in association with the interface unit 205. An information receiving unit (or information receiving means) 215 for receiving application information and the loan application terminal 275 corresponding to the reservation secured loan application prepared by the customer through a predetermined image acquisition device based on the user interface. When the image content is obtained and transmitted, an image receiving unit (or image receiving unit) 220 for receiving the image content corresponding to the reservation mortgage loan application in connection with the interface unit 205 is provided. .

The interface provider 210 connects a predetermined communication channel with the loan processing server 200 through the interface unit 205 through the loan application terminal 2205, and then the loan processing server 200. When the user interface for the automatic deposit processing of the security loan is requested, an image content corresponding to the reservation security loan application prepared by the customer is obtained through a predetermined image acquisition device provided in the loan application terminal 275, and the reservation security is secured. Generate (or select) reservation mortgage application information corresponding to the loan application to generate at least one user interface for transmission to the loan processing server 200 through the financial network; Omission) and the generated (or extracted) user interface in conjunction with the interface unit 205 via the financial network. It characterized in that provided in the loan application terminal 275.

According to another embodiment of the present invention, the loan application terminal 275 acquires image contents corresponding to the reservation collateral loan application written by the customer through a predetermined image acquisition device, and the reservation collateral corresponding to the reservation collateral loan application. When a predetermined information registration program having at least one user interface for inputting (or selecting) loan application information and transmitting the loan application information to the loan processing server 200 is provided as described above, Acquire image contents corresponding to the reservation collateral loan application written by the customer through an image acquisition device, and input (or select) the reservation collateral loan application information corresponding to the reservation collateral loan application to the loan processing server 200. Create (or extract) a user interface to transmit to the loan application terminal 275 And even mubang interface providing a ball (210) is omitted, to which the present invention is not limited.

Thereafter, the loan application terminal 275 inputs (or selects) the reservation security loan application information including at least one of the customer information, loan application information, automatic payment information after approval, and customer wireless terminal information through the user interface. And transmit the input (or selected) reservation security loan application information to the loan processing server 200 through the financial network. In response thereto, the information receiving unit 215 is connected to the interface unit 205 in response to the request. Characterized in that for receiving the reservation secured loan application information transmitted from the loan application terminal 275.

In addition, the loan application terminal 275 obtains the image content corresponding to the reservation security loan application prepared by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content to the financial network; The image receiving unit 220 receives the image content corresponding to the reserved mortgage loan application in connection with the interface unit 205.

According to another exemplary embodiment of the present invention, the loan application terminal 275 acquires image contents corresponding to the reservation security loan application prepared by the customer through a predetermined image acquisition device and is provided to the loan application terminal 275. If the pre-stored in a predetermined storage device associated with (or associated), the loan application terminal 275 to the reservation secured loan application made by the customer of the at least one or more image content previously stored in the storage device through the user interface The corresponding image content is selected and transmitted to the loan processing server 200 through the financial network. In response thereto, the image receiving unit 220 is connected to the interface unit 205 to correspond to the reservation secured loan application. It is desirable to receive image content.

According to another embodiment of the present invention, the loan application terminal 275 through the user interface image content corresponding to the reservation collateral loan application created by the customer and the reservation collateral loan application information corresponding to the reservation collateral loan application When transmitting together, the information receiving unit 215 may be connected with the interface unit 205 to receive both the image content corresponding to the reservation secured loan application and the reservation secured loan application information (for example, the image receiver 220 is integrated into the information receiving unit 215, and the present invention is not limited thereto.

Referring to FIG. 2, when the loan processing server 200 receives the reservation security loan application information transmitted from the loan application terminal 275 through the information receiving unit 215, the received loan security application information is received. Is characterized in that it comprises a validity verification unit (or validity verification means) 225 for confirming whether or not to satisfy the validity for the automatic loan payment processing.

According to an embodiment of the present invention, the validity confirmation of the reserved mortgage loan application information includes registering at least one ledger information matching the reserved mortgage loan application information in the ledger D / B on the financial system associated with the loan processing system. It is preferable to include checking whether it is done.

For example, the validity confirming unit 225 may include, among the information included in the reserved mortgage loan application information, the customer information (customer personal information, membership information, etc.) of the ledger D / B on the financial system associated with the loan processing system. It is preferably made to include matching with the customer ledger stored in.

Referring to FIG. 2, the loan processing server 200 receives the image content transmitted from the loan application terminal 275 through the image receiving unit 220 and the reservation through the validity checking unit 225. When the validity of the security loan application information is authenticated, an electronic document generation unit (or electronic document generating means) 230 for generating a predetermined reservation security loan application electronic document including the received image content, and the generated reservation And an electronic document transmission unit (or electronic document transmission means) 235 for transmitting the secured loan application electronic document to the electronic document repository associated with the loan processing system.

The electronic document generator 230 generates a reservation security loan application electronic document including the image content received from the loan application terminal 275 through the image receiver 220.

According to an exemplary embodiment of the present invention, the electronic document generator 230 automatically stores the image file including the image content received from the loan application terminal 275 through the image receiver 220 as it is. It is advisable to process a secured electronic loan application for deposit.

Alternatively, the electronic document generation unit 230 includes the image content received from the loan application terminal 275 through the image receiving unit 220 in the reserved collateral loan application information received through the information receiving unit 215. Reservation for the automatic deposit processing of the image file corresponding to the image contents including at least one or more of the customer information, loan application information, automatic deposit information after approval, and wireless information of the customer by watermarking method It is desirable to create a mortgage request electronic document.

According to another exemplary embodiment of the present invention, the electronic document generating unit 230 includes a predetermined document file including the image content received from the loan application terminal 275 through the image receiving unit 220 (eg, Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create a reservation collateral loan electronic document for deposit processing.

Alternatively, the electronic document generation unit 230 includes the image content received from the loan application terminal 275 through the image receiving unit 220 in the reserved collateral loan application information received through the information receiving unit 215. A predetermined document including an image content including at least one or more of the registered customer information, loan application information, automatic deposit information after approval, and wireless information of the customer by a watermarking method, and a predetermined document including the generated image content By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to generate a reservation secured loan application electronic document for the automatic deposit processing of the secured loan.

According to another embodiment of the present invention, the electronic document generation unit 230 through the image content and the information receiving unit 215 received from the loan application terminal 275 through the image receiving unit 220 A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one predetermined secured mortgage request information, or By generating a web document file including the MHT, etc.), it is preferable to generate a reservation secured loan application electronic document for the automatic deposit processing.

Alternatively, the electronic document generation unit 230 includes the image content received from the loan application terminal 275 through the image receiving unit 220 in the reserved collateral loan application information received through the information receiving unit 215. Generate image content including at least one or more of the customer information, loan application information, automatic deposit information after approval, and wireless information of the customer by a watermarking method, and the generated image content and the reservation security loan application A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to generate a reservation secured loan application electronic document for the automatic deposit processing.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 230 is a technical feature of generating a reservation collateral loan application electronic document of the image file format and / or a predetermined document file format, and Since the technical features of the file format of the image file and / or the document file corresponding to the reservation secured loan application electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 235 transmits and stores the reservation secured loan application electronic document generated by the electronic document generating unit 230 to a predetermined electronic document repository associated with the loan processing system. .

As shown in FIG. 2, the electronic document repository is connected to the loan processing server 200 on the loan processing system through a predetermined communication means and the electronic document server 250 and the electronic document D / B 270. When provided externally, the electronic document transmission unit 235 is the electronic document server 250 via the communication means for the reservation secured loan application electronic document generated by the electronic document generation unit 230 It characterized in that the transmission to.

Here, when the electronic document server 250 and the electronic document D / B 270 is provided outside the loan processing system, the electronic document server 250 and the electronic document D / B 270 is authorized It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the loan processing system, the electronic document transmitting unit 235 is the reservation generated by the electronic document generating unit 230. It is possible to store the secured loan application electronic document in the electronic document D / B 270 corresponding to the electronic document storage on the DBMS provided in the loan processing system, by which the present invention is not limited.

According to the exemplary embodiment of the present invention, the electronic document transmission unit 235 may include electronic document related information (eg, a reservation collateral corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 250. The customer information on which the loan application was made, and / or financial institution information for transmitting the reservation mortgage application electronic document, and / or electronic document file format information, and / or the reservation mortgage application information, etc.). It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 2, the loan processing server 200 verifies that the reservation security loan application information received through the information receiving unit 215 is valid for the automatic payment processing of the security loan through the validity checking unit 225. When the information is stored in a predetermined storage medium 245 by interworking the customer information, loan application information, automatic deposit information after approval, customer wireless terminal information included in the reservation secured loan application information is validated (Or information storage means) 240, characterized in that consisting of.

When the validity of the reservation collateral loan application information is confirmed by the validity confirmation unit 225, the information storage unit 240, the customer information included in the reservation collateral loan application information, loan application information, automatic deposit after approval And storing information in the storage medium 245 by cooperatively processing information and customer wireless terminal information. The storage medium 245 is provided in the loan processing server 200 or the loan processing server 200. When provided on the associated network, the information storage unit 240 is the customer information included in the received secured loan application information, loan application information, automatic deposit information after approval, the customer wireless terminal information by the link processing Preferably, the storage medium 245 is stored in the storage medium 245. When the storage medium 245 is provided in a DBMS provided on a financial system, the information storage unit 240 receives the received secured loan application. It is desirable to provide customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the information to the information system through the external system on the financial system and store it in the DBMS provided on the financial system.

Referring to FIG. 2, an electronic document that receives a predetermined secured mortgage request electronic document from the loan processing server 200 provided on the loan processing system and stores and manages the electronic document in a predetermined electronic document D / B 270. The server 250 includes an electronic document receiver 255 for receiving a predetermined secured mortgage request electronic document from the loan processing server 200 through a predetermined communication means, and the received reserved secured loan application electronic document. An information generation unit 260 for generating predetermined electronic document management information for storage and management in the electronic document D / B 270, and the electronic document management information and the reservation secured loan application electronic document are processed in a predetermined manner. And an electronic document storage unit 265 for storing in the electronic document D / B 270.

The electronic document receiving unit 255 is characterized in that for receiving the reservation secured loan application electronic document in the form of an image file and / or document file from the loan processing server 200 through the communication means.

According to an exemplary embodiment of the present invention, the reservation secured loan application electronic document received by the electronic document receiver 255 through the communication means is an image received by the loan processing server 200 from the loan application terminal 275. It is preferable that the image file including the content is included as it is.

Alternatively, the reservation collateral loan application electronic document received by the electronic document receiving unit 255 through the communication means is the reservation collateral loan to the image content received by the loan processing server 200 from the loan application terminal 275. It comprises an image file corresponding to the image content including at least one or more information of the customer information, loan application information, automatic deposit information after approval, wireless customer terminal information included in the application information by watermarking method (Watermarking) desirable.

According to another exemplary embodiment of the present invention, the reservation secured loan application electronic document received by the electronic document receiver 255 through the communication means is received by the loan processing server 200 from the loan application terminal 275. Any document file containing image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including MHT) Document files).

Alternatively, the reservation secured loan application electronic document received by the electronic document receiving unit 255 through the communication means is applied to the reservation secured loan on the image content received by the loan processing server 200 from the loan application terminal 275. A predetermined document file (e.g., PDF) containing image content including at least one of customer information included in the information, loan application information, automatic deposit information after approval, and customer wireless terminal information in a watermarking manner. A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the reservation secured loan application electronic document received by the electronic document receiver 255 through the communication means is received by the loan processing server 200 from the loan application terminal 275. A word processor including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including one image content and the reserved mortgage request information. File, or a web document file including MHT).

Alternatively, the reservation secured loan application electronic document received by the electronic document receiving unit 255 through the communication means is applied to the reservation secured loan on the image content received by the loan processing server 200 from the loan application terminal 275. Predetermined image information including at least one or more of the customer information, loan application information, automatic deposit information after approval, customer wireless terminal information included in the information by the watermarking method and the reservation security loan application information A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make.

The information generating unit 260 uses a predetermined electronic document unique number (or unique information) to be assigned to the reserved secured loan application electronic document received through the electronic document receiving unit 255, and the electronic document receiving unit 255. Generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the reservation secured loan application electronic document was stored) when the reservation secured loan application electronic document was received. do.

According to an exemplary embodiment of the present invention, the information generating unit 260 refers to the loan processing server 200 which has transmitted the reservation secured loan application electronic document received through the electronic document receiving unit 255, and the reservation collateral. It is preferable to identify the financial institution that has sent the loan application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the loan processing server 200 through the electronic document receiving unit 255, the information generating unit 260 receives the received information. Electronic document-related information (e.g., customer information for which a reservation collateral loan application corresponding to the image content is made, and / or financial institution information for transmitting the reservation collateral loan application electronic document, and / or electronic document file format information, and / Or it is preferable to generate the electronic document management information further comprising the reservation collateral loan application information).

The electronic document storage unit 265 associates a reservation secured loan application electronic document received through the electronic document receiving unit 255 with electronic document management information generated through the information generating unit 260 to process a predetermined electronic document. It is characterized in that the storage in the D / B (270).

According to the exemplary embodiment of the present invention, the loan secured electronic device storing the reservation secured loan application electronic document stored in the electronic document D / B 270 in the electronic document storage unit 265 is the loan application terminal ( It is preferable that the image file including the image content received from 275 is included as it is.

Alternatively, the reservation secured loan application electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 is the image received by the loan processing server 200 from the loan application terminal 275. Image file corresponding to the image content including at least one or more information of the customer information, loan application information, automatic deposit information after approval, customer wireless terminal information included in the reservation secured loan application information in the content by a watermarking method It is preferable to comprise a.

According to another exemplary embodiment of the present invention, the reservation secured loan application electronic document stored in the electronic document storage unit 265 in the electronic document D / B 270 is the loan processing server 200 the loan application terminal. A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including image content received from 275, Or a web document file including the MHT).

Alternatively, the reservation secured loan application electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 is an image content received by the loan processing server 200 from the loan application terminal 275. A predetermined document including an image content including at least one or more information of the customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the reservation security loan application information to the watermarking method. A file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable.

According to another exemplary embodiment of the present invention, the secured loan application electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 is the loan processing server 200 the loan application. At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content received from the terminal 275 and the reserved mortgage application information. And at least one word processor file or web document file including MHT).

Alternatively, the reservation secured loan application electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 is an image content received by the loan processing server 200 from the loan application terminal 275. Image content including at least one or more of the customer information, loan application information, automatic deposit information after approval, wireless customer information included in the reservation security loan application information to the watermarking method and the reservation security loan application to A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 270 by processing the electronic document storage unit 265 in association with the reservation secured loan application electronic document is the reserved collateral loan. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 270 by processing the electronic document storage unit 265 in association with the reservation secured loan application electronic document is the reserved collateral. Preferably, the information on the financial institution that transmitted the reservation secured loan application electronic document confirmed with reference to the loan processing server 200 that transmitted the loan application electronic document is preferably made.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the loan processing server 200, the electronic document storage unit 265 processes the electronic document storage in association with the reservation secured loan application electronic document. The electronic document management information stored in the electronic document D / B 270 may include the received electronic document related information (for example, customer information in which a reservation collateral loan application corresponding to the image content is prepared, and / or the reservation collateral loan). Financial institution information for transmitting the application electronic document, and / or electronic document file format information, and / or the reservation security loan application information, etc.).

3 is a view showing the structure of the reservation collateral loan application information stored in the ledger D / B 305 provided in the DBMS on the financial system 300 in a face-to-face manner for automatic deposit processing of collateral loan according to an embodiment of the present invention to be.

In more detail, FIG. 3 illustrates that when the storage medium 245 shown in FIG. 2 is the ledger D / B 305 provided in the DBMS on the financial system 300, the ledger D / B 305 is provided. As the information structure for an implementation method of storing the reservation security loan application information including the customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information in the ledger information, Those skilled in the art may refer to and / or modify this drawing 3 to infer various information construction methods for storing the reserved mortgage application information in the ledger D / B 305. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 305 provided in the DBMS on the financial system 300 is a predetermined customer ledger, and the account associated with the customer ledger Ledger (eg, ledger, loan ledger, etc.) and at least one information associated with the account ledger is shown to include, if the person having ordinary knowledge in the technical field to which the present invention belongs, the financial system 300 In the ledger D / B 305 provided in the DBMS on the at least one ledger (for example, loan ledger, mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and account ledger shown in Figure 3 It will be clearly understood that at least one additional information for maintenance and management is further included and that the user will be familiar with the technical details. Omit the costume.

* The customer ledger is CIF (Customer Information File) number, country code, contact ID, sales office number, customer classification, customer name, customer address, area identification code, telephone number, business number, trade name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and at least one of an account number, a waiver (month), a period (days), an extension, a maturity date, and a target amount corresponding to the account ledger. Periodic receipt information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 3, the reserved mortgage application information provided through the loan processing system shown in FIG. 2 is stored in the form of additional information added to the account ledger. It comprises a loan application information, automatic payment information after approval, at least one or more of the customer wireless terminal information.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (eg, the customer is finance of the financial institution) By registering as a transaction customer, at least member ID information, CIF (Customer Information File), etc., which are provided in the customer ledger provided on the financial system 300 associated with the loan processing system, is corresponding to the customer. It is preferable to include one or more.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

After the approval, the automatic deposit information is based on the reservation mortgage application made by the customer who visits a predetermined financial institution, and the loan application amount is reviewed. If the loan application is approved in response to the examination result, the loan application is made. As information for transferring a loan to a customer's account, it is preferable to include at least one or more loan application customer account number to which the customer's loan is deposited, automatic deposit approval information after approval, and the like.

In addition, the customer wireless terminal information is determined to loan the loan application amount based on the reservation secured loan application prepared by the customer, and in response to the examination result, the loan approval is determined and the loan is transferred to the account of the loan application customer. When the deposit is made, the deposit result may include a wireless terminal number for transmitting an SMS text message or ARS voice announcement to the client wireless terminal associated with the loan deposit account, and based on the reservation security loan application created by the customer. If the loan approval is determined and the loan is deposited into the account of the loan application customer, the result of the deposit is sent to the customer wired terminal linked with the loan payment account. Customer wired terminal information including a wired terminal number for transmitting a comment may be further added.

According to an exemplary embodiment of the present invention, the customer wireless terminal information includes at least one or more of a portable Internet terminal used by the customer, a high speed downlink packet access (HSDPA) or a wireless broadband based wireless terminal. It is preferable to include at least one or more messenger ID or e-mail address in the terminal.

According to another embodiment of the present invention, the reserved mortgage application information is stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (eg, the customer ledger). It is possible to be stored in the form of additional information to be added and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

Figure 4 is a reservation secured loan application information stored in a database associated with the ledger D / B (400) provided in the DBMS on the financial system 300 in a face-to-face for automatic deposit processing of secured loans according to another embodiment of the present invention It is a figure which shows a structure.

More specifically, FIG. 4 illustrates an embodiment in which the storage medium 405 shown in FIG. 2 is stored in a predetermined database linked to the ledger D / B 400 provided in the DBMS on the financial system 300. FIG. 4 illustrates an information structure, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 4 to transfer the reservation collateral loan application information to a predetermined database. It is possible to infer various information configuration methods for storing in association with 400, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 4 shows that it is not easy to store the reserved mortgage application information in the ledger information of the ledger D / B 400 on the DBMS provided on the financial system 300 (for example, the policy of a financial institution). When it is not easy to change the ledger D / B 400 of the phase DBMS, or the system expansion is not easy due to the characteristics of the financial system 300), the predetermined database may be used instead of the ledger D / B 400. A method of storing reservation collateral loan application information and storing the reserved collateral loan application information in association with the database and the ledger D / B 400 is shown.

In addition, the database shown in FIG. 4 does not have to be provided on the DBMS provided on the financial system 300 as in the implementation method shown in FIG. 4, and the database on the Internet banking system is in accordance with the intention of those skilled in the art. And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 4, the database is characterized in that the customer information contained in the reservation collateral loan application information, loan application information, automatic deposit information after approval, customer wireless terminal information is stored in a cooperative process and stored, Application information is preferably made further comprises a CIF number corresponding to the ledger information in the reservation collateral loan application information to be processed in conjunction with the ledger D / B (400).

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (eg, the customer is finance of the financial institution) By registering as a transaction customer, at least member ID information, CIF (Customer Information File), etc., which are provided in the customer ledger provided on the financial system 300 associated with the loan processing system, is corresponding to the customer. It is preferable to include one or more.

In addition, the loan application information, loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

After the approval, the automatic deposit information is based on the reservation mortgage application made by the customer who visits a predetermined financial institution, and the loan application amount is reviewed. If the loan application is approved in response to the examination result, the loan application is made. As information for transferring a loan to a customer's account, it is preferable to include at least one or more loan application customer account number to which the customer's loan is deposited, automatic deposit approval information after approval, and the like.

In addition, the customer wireless terminal information is determined to loan the loan application amount based on the reservation secured loan application prepared by the customer, and in response to the examination result, the loan approval is determined and the loan is transferred to the account of the loan application customer. When the deposit is made, the deposit result may include a wireless terminal number for transmitting an SMS text message or ARS voice announcement to the customer wireless terminal associated with the loan deposit account, and based on the reservation security loan application prepared by the customer. When the loan approval is determined and the loan approval is determined and the loan is deposited into the account of the customer applying for the loan, the result of the deposit is sent to the customer wired terminal associated with the loan deposit account. Customer wired terminal information including a wired terminal number for transmitting the may be further added.

According to an exemplary embodiment of the present invention, the customer wireless terminal information includes at least one or more of a portable Internet terminal used by the customer, a high speed downlink packet access (HSDPA) or a wireless broadband based wireless terminal. It is preferable to include at least one or more messenger ID or e-mail address in the terminal.

FIG. 5 is a diagram illustrating a structure of a reservation collateral loan application information stored in a DBMS provided in the banking server 500 in a face-to-face manner for automatic deposit processing of a security loan according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates a predetermined banking system in which the storage medium 405 shown in FIG. 2 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server 500, a person having ordinary skill in the art to which the present invention pertains refers to at least one banking server by referring to and / or modifying the present invention. Although it is possible to infer a method of constructing information on reservation secured loan application information stored in a predetermined DBMS provided in 500, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited to only.

Referring to FIG. 5, a predetermined DBMS provided in the banking server 500 links and processes customer information, loan application information, automatic deposit information and customer wireless terminal information included in the reservation security loan application information. It is characterized by storing.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (eg, the customer is finance of the financial institution) By registering as a transaction customer, at least member ID information, CIF (Customer Information File), etc., which are provided in the customer ledger provided on the financial system 300 associated with the loan processing system, is corresponding to the customer. It is preferable to include one or more.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

After the approval, the automatic deposit information is based on the reservation mortgage application made by the customer who visits a predetermined financial institution, and the loan application amount is reviewed. If the loan application is approved in response to the examination result, the loan application is made. As information for transferring a loan to a customer's account, it is preferable to include at least one or more loan application customer account number to which the customer's loan is deposited, automatic deposit approval information after approval.

In addition, the customer wireless terminal information is determined to loan the loan application amount based on the reservation secured loan application prepared by the customer, and in response to the examination result, the loan approval is determined and the loan is transferred to the account of the loan application customer. When the deposit is made, the deposit result may include a wireless terminal number for transmitting an SMS text message or ARS voice announcement to the customer wireless terminal associated with the loan deposit account, and based on the reservation security loan application prepared by the customer. When the loan approval is determined and the loan approval is determined and the loan is deposited into the account of the customer applying for the loan, the result of the deposit is sent to the customer wired terminal associated with the loan deposit account. Customer wired terminal information including a wired terminal number for transmitting the may be further added.

According to an exemplary embodiment of the present invention, the customer wireless terminal information includes at least one or more of a portable Internet terminal used by the customer, a high speed downlink packet access (HSDPA) or a wireless broadband based wireless terminal. It is preferable to include at least one or more messenger ID or e-mail address in the terminal.

6A and 6B illustrate a process of registering reservation security loan application information in a face-to-face manner according to one embodiment of the present invention.

6a and 6b show a window terminal in which a loan application terminal 275 on the loan processing system shown in FIG. 2 is provided at a financial institution branch (or a branch), and the loan processing server 200 is predetermined. In the case of having a ledger server (not shown) function on the financial system 300 linked to the counter terminal through the financial network of the customer, a predetermined customer may request customer information, loan application information, and approval for the automatic deposit processing of the security loan. When a reservation security loan application including at least one of automatic deposit information and customer wireless terminal information is prepared and submitted, a predetermined image content corresponding to the reservation security loan application is obtained through a predetermined image acquisition device at a predetermined teller terminal. And the reservation security loan application information corresponding to the reservation security loan application to the loan processing system through a predetermined information registration interface. When the image content obtained from the reservation collateral loan application is provided, a predetermined reservation collateral loan application electronic document including the image content is generated and stored in a predetermined electronic document storage, and the information contained in the reservation collateral loan application information. The present invention relates to a method of interworking customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information and storing them in a predetermined storage medium 405. Specifically, the counter terminal uses a predetermined image acquisition device. After obtaining the predetermined image content corresponding to the reservation mortgage application form and transmitting it to the loan processing server 200, input (or select) the reservation mortgage application information corresponding to the reservation mortgage loan application to process the loan. The implementation method of transmitting to the server 200 is illustrated.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 6a and 6b to register the reservation security loan application information with the loan processing server 200 at the counter terminal. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 6A and 6B.

For example, in the embodiment shown in Figs. 6A and 6B, the teller terminal acquires predetermined image contents corresponding to the reserved mortgage application through a predetermined image acquisition device, and / or is applied to the reserved collateral loan application. Although a user interface for inputting (or selecting) corresponding reservation mortgage application information is illustrated and provided from the loan processing server 200, the user interface is provided when a predetermined information registration program is provided in the counter terminal. Is not required to be provided from the loan processing server 200, whereby the present invention is not limited.

In the following Figures 6a and 6b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the loan processing server 200 shown in Figure 2 is referred to as "server" for convenience, and in the window terminal The customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information transmitted to the loan processing server 200 are referred to as "reserved security loan application information" for convenience.

Referring to Figures 6a and 6b, a predetermined customer prepares a secured mortgage application form including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information for the automatic deposit processing of collateral loans. When submitted, the window terminal shown in FIG. 2 connects the server through a predetermined financial network, and connects a predetermined communication channel to provide a user interface for automatic deposit processing corresponding to the reserved mortgage loan application. In response to the request (600), the server generates a user interface for acquiring the predetermined image content corresponding to the reservation secured loan application written by the customer through the predetermined image acquisition device in the terminal and transmitting the predetermined image content to the server. (Or extract) (605), the generated (or extracted) user interface through the financial network And a transmission output to the terminal 610.

Thereafter, the terminal acquires image content corresponding to the reservation security loan application through a predetermined image acquisition device based on the user interface (615).

If image content corresponding to the reserved mortgage loan application is obtained through the image acquisition device (620), the terminal transmits the obtained image content to the server through the financial network (625).

Thereafter, the server inputs the reservation collateral loan application information including at least one of customer information corresponding to the reservation collateral loan application matched with the image contents, loan application information, automatic deposit information after approval, and customer wireless terminal information. Selects and generates (or extracts) a user interface for transmission to the server (630), and transmits and outputs the generated (or extracted) user interface to the terminal through the financial network (635).

Thereafter, the terminal inputs (or selects) the reservation security loan application information including at least one of the customer information, loan application information, automatic payment information after approval, and customer wireless terminal information through the user interface (640).

If the reservation security loan application information including at least one or more of the customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information is input (or selected) through the user interface (645), the terminal receives the The input (or selection) of the reserved secured loan application information is transmitted to the server through a financial network (650).

Thereafter, the server receives and reads the reservation security loan application information including at least one of the customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information through the financial network. Validate for (655).

According to an embodiment of the present invention, the validity confirmation of the reservation mortgage application information is at least matched with the reservation mortgage application information in the ledger D / B 400 on the financial system 300 associated with the loan processing system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 225 may include a ledger on the financial system 300 in which the customer information (customer personal information or member information, etc.) of the information included in the reservation security loan application information is linked to the loan processing system. It is preferably made to include matching with the customer ledger stored in the D / B (400).

If the validity of the reservation collateral loan application information is not authenticated (660), the server generates predetermined information registration error information and transmits it to the terminal (665), and registers the information corresponding to the reservation collateral loan application information. Do not perform the procedure.

On the other hand, if the validity of the reservation security loan application information is authenticated (660), the server generates a predetermined reservation security loan application electronic document containing the image content (670).

According to an exemplary embodiment of the present invention, the server reserves an image file including the image content received from the loan application terminal 275 through the image receiving unit 220 as it is and reserves the deposit for the automatic deposit processing. It is desirable to process the loan application electronically.

Alternatively, the server may include customer information and loan application included in the reserved collateral loan application information received through the information receiver 215 in the image content received from the loan application terminal 275 through the image receiver 220. An image file corresponding to an image content including at least one of information, automatic deposit information after approval, and customer wireless terminal information by a watermarking method, is used to reserve an electronic document for reservation secured loan application for automatic deposit processing. It is desirable to produce.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the loan application terminal 275 through the image receiving unit 220. A file, or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby making the reservation collateral for the automatic deposit processing of the collateral loan. It is desirable to create a loan application electronic document.

Alternatively, the server may include customer information and loan application included in the reserved collateral loan application information received through the information receiver 215 in the image content received from the loan application terminal 275 through the image receiver 220. Generate image content including at least one of information, automatic deposit information after approval, and customer wireless terminal information in a watermarking manner, and include a predetermined document file (eg, a PDF file including the generated image content). A portable document format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create a reservation mortgage application electronic document for the.

According to another exemplary embodiment of the present invention, the server requests the secured loan application received through the image receiving unit 275 and the image content received from the loan request terminal 275 through the image receiving unit 220. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to generate a reservation secured loan application electronic document for the automatic deposit processing.

Alternatively, the server may include customer information and loan application included in the reserved collateral loan application information received through the information receiver 215 in the image content received from the loan application terminal 275 through the image receiver 220. Generates image contents including at least one of information, automatic deposit information after approval, and customer wireless terminal information by watermarking, and includes the generated image contents and the reservation security loan application information. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) In addition, it is preferable to generate a reservation secured loan application electronic document for the automatic deposit processing of the secured loan.

Those skilled in the art to which the present invention pertains, the technical features that the server generates a reservation mortgage request electronic document in the image file format and / or a predetermined document file format, and the reservation mortgage request electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated secured security loan application electronic document in a predetermined electronic document storage (675).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 250 and an electronic document D / B 270 connected to a server on the loan processing system through predetermined communication means. When provided, the server preferably transmits the generated secured mortgage request electronic document to the electronic document server 250 through the communication means to store in the electronic document D / B (270).

Alternatively, when the electronic document storage is provided on a DBMS provided in the loan processing system, the server corresponds to the generated electronic document storage on the DBMS provided in the loan processing system. It is possible to store in the electronic document D / B 270, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the reservation secured loan application electronic document in the electronic document storage is illustrated in FIG. 2 by linking the generated reservation secured loan application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (270).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the reservation secured loan application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the reservation security loan application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for which a reservation-secured loan application corresponding to the image content is prepared, and / or financial institution information for transmitting the reservation-secured loan application electronic document, and And / or electronic document file format information, and / or the above-mentioned reservation security loan application information.

If the reservation mortgage loan application electronic document is stored in the electronic document storage (680), the server is the customer information included in the reservation mortgage loan application information, loan application information, automatic deposit information after approval, customer wireless terminal information To store in the predetermined storage medium 405 (685), the predetermined information on the reservation loan application history information (e.g., the history of storing the reservation security loan application electronic document in the electronic document storage, and / or the The storage medium 405 generates (or extracts) the details of storing the reservation security loan application information and transmits the generated information to the terminal (690).

According to one embodiment of the invention, the storage medium 405 is preferably provided in a DBMS on the financial system 300 provided on the loan processing system (or associated with the loan processing system), wherein The storage medium 405 may be a ledger D / B 400 provided in the DBMS on the financial system 300, and / or a predetermined database associated with the ledger D / B 400. The present invention is not limited by this.

According to another method of the present invention, the storage medium 405 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of registering reservation security loan application information in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B are detailed descriptions of a window terminal in which a loan application terminal 275 on the loan processing system shown in FIG. 2 is provided at a financial institution branch (or a branch), and the loan processing server 200 is predetermined. In the case of having a ledger server (not shown) function on the financial system 300 linked to the counter terminal through the financial network of the customer, a predetermined customer may request customer information, loan application information, and approval for the automatic deposit processing of the security loan. When a reservation security loan application form including at least one of automatic deposit information and customer wireless terminal information is prepared and submitted, a predetermined image content corresponding to the reservation security loan application is obtained through a predetermined image acquisition device at a predetermined teller terminal. And through the predetermined information registration interface, the loan processing system matches with the reservation security loan application information corresponding to the reservation security loan application. When the image content obtained from the reservation collateral loan application is provided, a predetermined reservation collateral loan application electronic document including the image content is generated and stored in a predetermined electronic document storage, and the information contained in the reservation collateral loan application information. A method of implementing a process of linking customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information in a predetermined storage medium 405. Specifically, the counter terminal supports the reservation security loan application. After inputting (or selecting) the reserved mortgage application information to be transmitted to the loan processing server 200, the predetermined image content corresponding to the reserved mortgage loan application is obtained through a predetermined image obtaining apparatus to process the loan. The implementation method of transmitting to the server 200 is illustrated.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 7a and 7b to register the reservation secured loan application information with the loan processing server 200 at the counter terminal. Although the implementation method may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 7A and 7B.

For example, in the implementation method shown in FIGS. 7A and 7B, the counter terminal acquires predetermined image contents corresponding to the reservation security loan application through a predetermined image acquisition device, and / or is applied to the reservation security loan application. Although a user interface for inputting (or selecting) corresponding reservation mortgage application information is illustrated and provided from the loan processing server 200, the user interface is provided when a predetermined information registration program is provided in the counter terminal. Is not required to be provided from the loan processing server 200, whereby the present invention is not limited.

In the following Figures 7a and 7b, the window terminal shown in Figure 2 is referred to as a "terminal" for convenience, and the loan processing server 200 shown in Figure 2 is referred to as a "server" for convenience, and in the window terminal The customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information transmitted to the loan processing server 200 are referred to as "reserved security loan application information" for convenience.

Referring to Figures 7a and 7b, a predetermined customer prepares a secured mortgage application form including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information for the automatic deposit processing of collateral loans. When submitted, the window terminal shown in FIG. 2 connects the server through a predetermined financial network, and connects a predetermined communication channel to provide a user interface for automatic deposit processing corresponding to the reserved mortgage loan application. If requested (700), the server corresponding to the reservation security loan request including at least one or more customer information, loan application information, automatic deposit information after approval, customer wireless terminal information corresponding to the reservation security loan application prepared by the customer Create (or extract) user interfaces for entering (or selecting) information and sending it to the server. 705, and outputs through the financial network transmitting user interface the generated (or extracted) to the mobile station 710. The

Thereafter, the terminal inputs (or selects) the reservation security loan application information including at least one of the customer information, loan application information, automatic payment information after approval, and customer wireless terminal information through the user interface (715).

If the reservation security loan application information including at least one or more of the customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information is input (or selected) through the user interface (720), the terminal receives the The input (or selection) of the reserved secured loan application information is transmitted to the server through a financial network (725).

Thereafter, the server receives and reads the reservation security loan application information including at least one of the customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information through the financial network. Validate for (730).

According to an embodiment of the present invention, the validity confirmation of the reservation mortgage application information is at least matched with the reservation mortgage application information in the ledger D / B 400 on the financial system 300 associated with the loan processing system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 225 may include a ledger on the financial system 300 in which the customer information (customer personal information or member information, etc.) of the information included in the reservation security loan application information is linked to the loan processing system. It is preferably made to include matching with the customer ledger stored in the D / B (400).

If the validity of the reservation mortgage application information is not authenticated (735), the server generates predetermined information registration error information and transmits it to the terminal (740), and registers the information corresponding to the reservation mortgage application information. Do not perform the procedure.

On the other hand, if the validity of the reservation mortgage application information is authenticated (735), the server acquires the predetermined image content corresponding to the reservation mortgage application created by the customer through the predetermined image obtaining apparatus in the terminal to obtain the server. A user interface for transmitting to the terminal is generated (or extracted) (745), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (750).

Thereafter, the terminal acquires image content corresponding to the reservation security loan application through a predetermined image acquisition device based on the user interface (755).

If image content corresponding to the reserved mortgage loan application is acquired through the image acquisition device (760), the terminal transmits the obtained image content to the server through the financial network (765).

The server, which has received the reservation security loan application information and the image content from the terminal, generates a predetermined reservation security loan application electronic document including the image content (770).

According to an exemplary embodiment of the present invention, the server reserves an image file including the image content received from the loan application terminal 275 through the image receiving unit 220 as it is and reserves the deposit for the automatic deposit processing. It is desirable to process the loan application electronically.

Alternatively, the server may include customer information and loan application included in the reserved collateral loan application information received through the information receiver 215 in the image content received from the loan application terminal 275 through the image receiver 220. An electronic file for a reservation collateral loan application for automatic deposit processing of an image file corresponding to an image content including at least one of information, automatic payment information after approval, and information of a customer wireless terminal by a watermarking method. It is preferable to generate.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the loan application terminal 275 through the image receiving unit 220. A file, or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby making the reservation collateral for the automatic deposit processing of the collateral loan. It is desirable to create a loan application electronic document.

Alternatively, the server may include customer information and loan application included in the reserved collateral loan application information received through the information receiver 215 in the image content received from the loan application terminal 275 through the image receiver 220. Generate image content including at least one of information, automatic deposit information after approval, and customer wireless terminal information in a watermarking manner, and include a predetermined document file (eg, a PDF file including the generated image content). A portable document format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create a reservation mortgage application electronic document for the.

According to another exemplary embodiment of the present invention, the server requests the secured mortgage application received through the image receiving unit 275 and the image content received from the loan application terminal 275 through the image receiving unit 220. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to generate a reservation secured loan application electronic document for the automatic deposit processing.

Alternatively, the server may include customer information and loan application included in the reserved collateral loan application information received through the information receiver 215 in the image content received from the loan application terminal 275 through the image receiver 220. Generates image contents including at least one of information, automatic deposit information after approval, and customer wireless terminal information by watermarking, and includes the generated image contents and the reservation security loan application information. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) In addition, it is preferable to generate a reservation security loan application electronic document for the automatic deposit processing of the security loan.

Those skilled in the art to which the present invention pertains, the technical features that the server generates a reservation mortgage request electronic document in the image file format and / or a predetermined document file format, and the reservation mortgage request electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated secured loan application electronic document in a predetermined electronic document storage (775).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 250 and an electronic document D / B 270 connected to a server on the loan processing system through predetermined communication means. When provided, the server preferably transmits the generated secured mortgage request electronic document to the electronic document server 250 through the communication means to store in the electronic document D / B (270).

Alternatively, when the electronic document storage is provided on a DBMS provided in the loan processing system, the server corresponds to the generated electronic document storage on the DBMS provided in the loan processing system. It is possible to store in the electronic document D / B 270, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the reservation secured loan application electronic document in the electronic document storage is illustrated in FIG. 2 by linking the generated reservation secured loan application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (270).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the reservation secured loan application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the reservation security loan application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for which a reservation-secured loan application corresponding to the image content is prepared, and / or financial institution information for transmitting the reservation-secured loan application electronic document, and And / or electronic document file format information, and / or the above-mentioned reservation security loan application information.

If the reservation mortgage loan application electronic document is stored in the electronic document storage (780), the server includes the customer information, loan application information, automatic deposit information after approval, wireless payment information included in the reservation mortgage loan application information To store in the predetermined storage medium 405 in a predetermined storage medium (405), predetermined reservation security loan application history information (e.g., the history of storing the reservation security loan application electronic document in the electronic document storage, and / or the The storage medium 405 generates (or extracts) the details of storing the reservation security loan application information and transmits the generated information to the terminal (790).

According to one embodiment of the invention, the storage medium 405 is preferably provided in a DBMS on the financial system 300 provided on the loan processing system (or associated with the loan processing system), wherein The storage medium 405 may be a ledger D / B 400 provided in the DBMS on the financial system 300, and / or a predetermined database associated with the ledger D / B 400. The present invention is not limited.

According to another method of the present invention, the storage medium 405 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

8A and 8B illustrate a process of registering reservation security loan application information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B are window terminals in which a loan application terminal 275 on the loan processing system shown in FIG. 2 is provided at a financial institution branch (or a branch), and the loan processing server 200 is predetermined. In the case of having a ledger server (not shown) function on the financial system 300 linked to the counter terminal through the financial network of the customer, a predetermined customer may request customer information, loan application information, and approval for the automatic deposit processing of the security loan. When a reservation security loan application including at least one of automatic deposit information and customer wireless terminal information is prepared and submitted, a predetermined image content corresponding to the reservation security loan application is obtained through a predetermined image acquisition device at a predetermined teller terminal. And the reservation security loan application information corresponding to the reservation security loan application to the loan processing system through a predetermined information registration interface. When the image content obtained from the reservation collateral loan application is provided, a predetermined reservation collateral loan application electronic document including the image content is generated and stored in a predetermined electronic document storage, and the information contained in the reservation collateral loan application information. The present invention relates to a method of interworking customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information and storing them in a predetermined storage medium 405. Specifically, the counter terminal uses a predetermined image acquisition device. Obtaining a predetermined image content corresponding to the reserved mortgage loan application, inputting (or selecting) the reserved mortgage application information corresponding to the reserved mortgage loan application form, and transmitting the predetermined content content to the loan processing server 200; It is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 8a and 8b to register the reservation security loan application information with the loan processing server 200 at the counter terminal. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIGS. 8A and 8B.

For example, in the implementation method shown in FIGS. 8A and 8B, the teller terminal acquires predetermined image contents corresponding to the reserved mortgage application through a predetermined image acquisition device, and / or is applied to the reserved mortgage application. Although a user interface for inputting (or selecting) corresponding reservation mortgage application information is illustrated and provided from the loan processing server 200, the user interface is provided when a predetermined information registration program is provided in the counter terminal. Is not required to be provided from the loan processing server 200, whereby the present invention is not limited.

Hereinafter, the window terminal shown in FIG. 2 in FIG. 8A and FIG. 8B is referred to as "terminal" for convenience, and the loan processing server 200 shown in FIG. 2 is called "server" for convenience, and said window terminal In the loan processing server 200, the customer information, loan application information, automatic deposit information after approval, customer wireless terminal information is referred to as "reserved mortgage loan application information" for convenience.

Referring to FIGS. 8A and 8B, a predetermined customer fills out a reservation mortgage application form including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information for the automatic deposit processing of the security loan. When submitted, the window terminal shown in FIG. 2 connects the server through a predetermined financial network, and connects a predetermined communication channel to provide a user interface for automatic deposit processing corresponding to the reserved mortgage loan application. Upon request (800), in response, the server inputs (or selects) the reserved collateral loan application information corresponding to the reserved collateral loan application written by the customer in the terminal, and through the predetermined image acquisition device, the reserved collateral loan. User interface for acquiring predetermined image content corresponding to the application form and transmitting it to the server Generate (or extract), and 805, and outputs through the financial network transmitting user interface the generated (or extracted) to the mobile station 810.

Thereafter, the terminal inputs (or selects) the reservation security loan application information including at least one of the customer information, loan application information, automatic payment information after approval, and customer wireless terminal information through the user interface (815).

If the reservation security loan application information including at least one or more of the customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information is input (or selected) through the user interface (820), the terminal receives the An image content corresponding to the reserved mortgage loan application is obtained through a predetermined image acquisition device based on a user interface in operation 825.

If the image content corresponding to the reservation security loan application is obtained through the image acquisition device (830), the terminal transmits the reservation security loan application information and the image content to the server through the financial network (835). .

Thereafter, the server receives and reads the reservation security loan application information including at least one of the customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information through the financial network. Validate for (840).

According to an embodiment of the present invention, the validity confirmation of the reservation mortgage application information is at least matched with the reservation mortgage application information in the ledger D / B 400 on the financial system 300 associated with the loan processing system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 225 may include a ledger on the financial system 300 in which the customer information (customer personal information or member information, etc.) of the information included in the reservation security loan application information is linked to the loan processing system. It is preferably made to include matching with the customer ledger stored in the D / B (400).

If the validity of the reservation collateral loan application information is not authenticated (845), the server generates predetermined information registration error information and transmits it to the terminal (850), and registers the information corresponding to the reservation collateral loan application information. Do not perform the procedure.

On the other hand, if the validity of the reservation security loan application information is authenticated (845), the server generates a predetermined reservation security loan application electronic document containing the image content (855).

According to an exemplary embodiment of the present invention, the server reserves an image file including the image content received from the loan application terminal 275 through the image receiving unit 220 as it is and reserves the deposit for the automatic deposit processing. It is desirable to process the loan application electronically.

Alternatively, the server may include customer information and loan included in the reserved collateral loan application information received through the information receiving unit 215 in the image content received from the loan request terminal 275 through the image receiving unit 220. An electronic document for reservation secured loan application for automatic deposit processing of an image file corresponding to an image content including at least one or more of application information, automatic deposit information after approval, and customer wireless terminal information by a watermarking method. It is preferable to generate.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the loan application terminal 275 through the image receiving unit 220. A file, or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby making the reservation collateral for the automatic deposit processing of the collateral loan. It is desirable to create a loan application electronic document.

Alternatively, the server may include customer information and loan application included in the reserved collateral loan application information received through the information receiver 215 in the image content received from the loan application terminal 275 through the image receiver 220. Generate image content including at least one of information, automatic deposit information after approval, and customer wireless terminal information in a watermarking manner, and include a predetermined document file (eg, a PDF file including the generated image content). A portable document format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create a reservation mortgage application electronic document for the.

According to another exemplary embodiment of the present invention, the server requests the secured mortgage application received through the image receiving unit 275 and the image content received from the loan application terminal 275 through the image receiving unit 220. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to generate a reservation secured loan application electronic document for the automatic deposit processing.

Alternatively, the server may include customer information and loan application included in the reserved collateral loan application information received through the information receiver 215 in the image content received from the loan application terminal 275 through the image receiver 220. Generates image contents including at least one of information, automatic deposit information after approval, and customer wireless terminal information by watermarking, and includes the generated image contents and the reservation security loan application information. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) In addition, it is preferable to generate a reservation secured loan application electronic document for the automatic deposit processing of the secured loan.

Those skilled in the art to which the present invention pertains, the technical features that the server generates a reservation mortgage request electronic document in the image file format and / or a predetermined document file format, and the reservation mortgage request electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated secured mortgage request electronic document in a predetermined electronic document storage (860).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 250 and an electronic document D / B 270 connected to a server on the loan processing system through predetermined communication means. When provided, the server preferably transmits the generated secured mortgage request electronic document to the electronic document server 250 through the communication means to store in the electronic document D / B (270).

Alternatively, when the electronic document storage is provided on the DBMS provided in the loan processing system, the server corresponds to the generated electronic document storage on the DBMS provided in the loan processing system. It is possible to store in the electronic document D / B 270, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the reservation secured loan application electronic document in the electronic document storage is illustrated in FIG. 2 by linking the generated reservation secured loan application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (270).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the reservation secured loan application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the reservation security loan application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for which a reservation-secured loan application corresponding to the image content is prepared, and / or financial institution information for transmitting the reservation-secured loan application electronic document, and And / or the electronic document file format information, and / or the above-described secured loan application information.

If the reservation secured loan application electronic document is stored in the electronic document repository (865), the server includes the customer information, loan application information, automatic deposit information, customer wireless terminal information included in the reservation secured loan application information To store in a predetermined storage medium 405 in a predetermined storage medium 405, predetermined reservation loan application history information (e.g., the history of storing the reservation security loan application electronic document in the electronic document storage, and / or the A history of storing the reserved mortgage application information in the storage medium 405) is generated (or extracted) and transmitted to the terminal (875).

According to one embodiment of the invention, the storage medium 405 is preferably provided in a DBMS on the financial system 300 provided on the loan processing system (or associated with the loan processing system), wherein The storage medium 405 may be a ledger D / B 400 provided in the DBMS on the financial system 300, and / or a predetermined database associated with the ledger D / B 400. The present invention is not limited.

According to another method of the present invention, the storage medium 405 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Figure 9 shows a preferred configuration of the automatic deposit processing and notification system for notifying the customer after the loan approval and the customer according to the implementation method of the present invention.

In more detail, Figure 9 is based on a reservation collateral loan application that includes at least one customer information, loan application information, automatic deposit information after approval, customer wireless terminal 940 information submitted by a given customer a predetermined employee Examining the loan of a predetermined loan application amount for a certain period, and when the loan approval information corresponding to the examination result is provided to the predetermined automatic deposit processing server 900 through the predetermined employee terminal 925, the automatic deposit processing After the approval of the customer associated with the loan approval information in the storage medium 245, the server 900 automatically deposits the information (for example, the loan deposit account number, and the agreement agreement information for automatically depositing the loan amount into the loan payment account). Or the customer application information, etc.), and if the automatic payment approval information is included after the approval, corresponding to the loan application information in connection with the financial system 300 Performing a loan approval procedure, automatically depositing a loan in an account of the customer applying for a loan or a new account for a loan, and confirming the information of the customer wireless terminal 940 associated with the loan approval information in a storage medium 245, A preferred overall diagram of a system for notifying a customer through a guide means including at least one or more ARS services through an SMS or ARS server 935 in connection with loan payment information in connection with a predetermined wireless server 930, Those skilled in the art to which the present invention pertains may refer to and modify this drawing 9 to infer various implementation methods of the automatic deposit processing and notification system, but the present invention is not limited to this drawing 9 and all inferred It includes the method of implementation.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (eg, the customer is finance of the financial institution) By registering as a transaction customer, at least member ID information, CIF (Customer Information File), etc., which are provided in the customer ledger provided on the financial system 300 associated with the loan processing system, is corresponding to the customer. It is preferable to include one or more.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

After the approval, the automatic deposit information is based on the reservation secured loan application written by the customer who visits a predetermined financial institution, and the loan application amount is checked. As information for transferring a loan to a customer's account, it is preferable to include at least one or more loan application customer account number to which the customer's loan is deposited, automatic deposit approval information and the like after approval.

In addition, the customer wireless terminal (940) information is based on the reservation secured loan application written by the customer to examine the loan application amount, and in response to the examination result, the loan approval is determined and the loan is the loan application customer When the deposit is made to the account, the deposit result preferably includes a wireless terminal 940 number for transmitting an SMS text message or ARS voice announcement to the customer wireless terminal 940 associated with the loan payment account, and the customer Based on the reservation secured loan application, the loan application amount is examined and the loan approval is determined in response to the examination result. When the loan is deposited into the loan application customer's account, the deposit result is linked to the loan deposit account. To add additional customer wired terminal information including wired terminal number for transmitting ARS voice announcement to the customer wired terminal. There is also.

According to an embodiment of the present invention, the customer wireless terminal 940 information includes at least one of a portable Internet terminal, a high speed downlink packet access (HSDPA) or a wireless broadband (WiBro) based wireless terminal 940 used by the customer. Preferably, the wireless data communication-based terminal includes at least one messenger ID or e-mail address.

Herein, the loan approval information is based on the reservation security loan application submitted by the customer, the employee examines the loan of the loan amount, and if the loan approval is determined in response to the examination result, the loan period, loan It is preferable to provide at least one or more interest rates, loan amount, collateral information to the loan approval unit (or loan approval means) 905.

According to the implementation method of the present invention, the automatic deposit processing and notification system examines that the employee loans the loan application amount for a predetermined period of time based on the reservation security loan application submitted by the customer, and responds to the examination result. Receiving loan approval information from the employee terminal 925 and the employee terminal 925 providing the loan approval information to the automatic deposit processing server 900 in connection with the financial system 300 to loan the loan to the customer account or loan Automatic deposit to the new account for the automatic deposit processing server 900 for transmitting the information on the automatic payment of the loan to the customer wireless terminal 940 corresponding to the customer wireless terminal 940 information stored in the storage medium 245, The wireless server 930 for transmitting the information on the automatic loan payment to the customer wireless terminal 940 through SMS text, and the information about the automatic payment of the loan money through the voice announcement. ARS server 935 for transmitting to the wireless terminal 940, customer information, loan application information, customer wireless terminal 940 information, characterized in that it comprises a storage medium 245 for storing the automatic deposit information after approval .

According to the implementation method of the present invention, the employee examines the loan of the loan application amount based on the reservation security loan application submitted by the customer, and the loan approval information corresponding to the examination result is received from the employee terminal 925. It is preferable to provide to the loan approval unit 905 to the automatic deposit processing server 900.

According to an exemplary embodiment of the present invention, the automatic deposit processing server 900 automatically deposits a loan in an account of a loan application customer or a new account for a loan, and wirelessly deposits the loan automatic deposit information of a customer linked to a loan deposit account. Preferably, the SMS 940 is transmitted from the wireless server 930 to the wireless terminal 940 of the customer.

According to another exemplary embodiment of the present invention, the automatic deposit processing server 900 automatically deposits a loan in an account of a loan application customer or a new account for a loan, and the loan automatic deposit information of a customer linked to a loan deposit account. It is preferable to transmit a voice announcement from the ARS server 935 to the wireless terminal 940 of the customer to the wireless terminal 940 number.

According to an embodiment of the present invention, a reservation collateral loan including at least one of customer information, loan application information, customer wireless terminal 940 information, reservation deposit information after approval, and deposit reservation date and time information generated during the loan examination and approval process It is preferable to store the application information in the storage medium 245.

9, the automatic deposit processing server 900 receives the loan approval information from an employee terminal 925 and performs a loan approval procedure corresponding to the loan application information in connection with the financial system 300. Receiving loan approval information from the loan approval unit 905 and the loan approval unit 905 and automatically depositing the loan amount to the account of the loan application customer through the automatic deposit information after approval from the storage medium 245. After confirming the customer approval of the information confirmation unit 915 for confirming the customer approval and the automatic deposit of the loan amount to the account of the loan application customer, the loan management account of the financial institution in connection with the financial system 300 is confirmed. (E.g., an account in the name of the financial institution where the loan amount is deposited), the automatic deposit processing unit (or automatic deposit) to withdraw the loan and automatically deposit the money into the account of the loan application customer. And a wireless terminal corresponding to the customer wireless terminal 940 information stored in the storage medium 245 when the loan is automatically deposited into the account of the loan application customer. And an information transmitter 920 for transmitting to 940.

After the employee examines that the loan application amount is loaned to the customer through the reservation mortgage application information for a predetermined loan examination period, the employee terminal 925 receives the loan approval information for the loan application amount. When provided to the automatic deposit processing server 900, the loan approval unit 905 performs a loan approval procedure corresponding to the loan application information in connection with the financial system 300, and the loan approval information information confirmation unit ( Or information confirmation means) 915.

The information checking unit 915 receives the loan approval information from the loan approval unit 905 and checks the automatic deposit information after the approval stored in association with the loan application information (or customer information) from the storage medium 245. And, if it is confirmed that the customer has approved the automatic deposit after approval, it is preferable to provide the automatic deposit information to the automatic deposit processing unit 910 after approval.

In addition, when the automatic deposit information after the automatic deposit information is confirmed by the information confirming unit 915, the automatic deposit processing unit 910, in conjunction with the financial system 300, the loan management account of the financial institution (for example, the loan amount is It is desirable to have a function of withdrawing the loan from the bank name of the deposited financial institution) and automatically depositing the loan in the account of the loan application customer or a new account for the loan.

When the automatic deposit processing unit 910 automatically transfers the loan to the account of the loan application customer in connection with the financial system 300, the information transmitting unit (or information transmitting means) 920 automatically deposits the loan. Characteristic information is characterized in that for transmitting to the wireless terminal 940 corresponding to the customer wireless terminal 940 information stored in the storage medium 245.

According to an exemplary embodiment of the present invention, the information transmitter 920 transmits the automatic deposit history information on the loan corresponding to the information in which the loan is automatically deposited into the account of the customer applying for loan to the customer wireless terminal 940. In order to transmit the SMS text to the customer wireless terminal 940 through the wireless server 930 is preferred.

According to another exemplary embodiment of the present invention, the information transmitting unit 920 sends the information of the automatic deposit details of the loan to the customer wireless terminal 940 corresponding to the information that the loan is automatically deposited into the account of the loan application customer. It is preferable to transmit the ARS voice announcement to the customer wireless terminal 940 through the ARS server 935 for transmission.

10A and 10B illustrate a preferred flowchart of the automatic deposit processing and notification system for notifying the customer after the loan is approved and the customer according to one embodiment of the present invention.

More specifically, FIG. 10 illustrates a loan approval procedure corresponding to loan approval information in connection with the financial system 300 when the predetermined automatic deposit processing server 900 receives loan approval information from a predetermined employee terminal 925. After confirming the automatic deposit information after approval associated with the loan approval information in the storage medium 245, the automatic deposit information (e.g., the loan deposit account number and the loan amount after approval) If you include the agreement agreement information or customer application information for the automatic deposit to the bank, the process of automatically depositing the loan in the account of the loan application customer or a new account for the loan in conjunction with the financial system 300 Specifically, FIG. 10A illustrates a wireless server 930 for transmitting the information in which the loan is automatically deposited to the account of the customer who applied for the loan after the automatic deposit of the loan. Send SMS text to the customer wireless terminal (940).

Figure 10b is information that the loan is automatically deposited into the account of the loan request customer after the automatic deposit of the loan to the account of the loan request customer or a new account for the loan in connection with the financial system 300 in the automatic deposit processing server 900 In order to transmit the ARS voice announcement via the ARS server 935 to the customer wireless terminal 940.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods of the reservation loan confirmation and loan deposit system by referring to and modifying this drawing 10. However, the present invention is not limited to this drawing 10 and is inferred. Includes all implementation methods.

Herein, the loan approval information may be determined by examining the loan application information submitted by the customer, and when the loan approval is determined in response to the result of the examination of the loan application information, at least one or more loan periods, loan rates, loan amounts, and collateral information. It is preferable to include.

In the following Figures 10a and 10b, the automatic deposit processing server 900 shown in Figure 9 is referred to as "server" for convenience, and the employee terminal 925 shown in Figure 9 is referred to as "terminal".

According to an exemplary embodiment of the present invention, referring to FIG. 10A, the employee examines the loan of the loan application amount for a predetermined period of time based on the reservation mortgage application information provided by the customer, and responds to the examination result. After the loan is approved, the terminal provides loan approval information (eg, loan period, loan interest rate, loan amount, collateral information, etc.) written by the customer to the server (1000a).

The server receives the loan approval information, checks the automatic deposit information after the approval from the storage medium 245, and after the automatic payment information (for example, the loan application customer account number and the approved loan amount to the loan application customer account) If the agreement agreement information or customer application information, etc. for the automatic deposit is included, the automatic deposit information is provided to the automatic deposit processing unit 910 after approval (1005a).

When the server confirms the automatic deposit information after approval (for example, the account number, the agreement information or the selection information to agree to the automatic deposit after approval, etc.), the loan is linked to the financial system 300 to the account of the loan application customer or Automatic deposit to new account for loan (1010a).

The server automatically deposits a loan into the account of the loan application customer (1010a), and checks whether the loan automatic deposit is properly made (1015a).

If the automatic payment of the loan is not confirmed at the server (1020a), the automatic payment of the loan is confirmed in connection with the financial system 300 (1015a).

If the automatic payment of the loan is confirmed (1020a), in order to notify the customer of the automatic payment information on the loan, the information on the customer's wireless terminal 940 associated with the account information to which the loan is automatically deposited is checked from the storage medium 245 ( 1025a).

The server transmits the automatic loan payment information to the wireless server 930 to transmit the automatic loan payment information to the wireless terminal 940 in association with the wireless server 930 (1030a).

The wireless server 930 receives the automatic loan payment information from the server (1035a).

The wireless server 930 transmits the loan automatic deposit information of the customer received from the server to the wireless terminal 940 of the customer in the SMS text (1040a).

The customer's wireless terminal 940 receives the SMS text from the wireless server 930, and outputs the SMS through a predetermined output device provided in the customer's wireless terminal 940 (1045a).

According to another exemplary embodiment of the present invention, referring to FIG. 10B, the employee examines the loan of the loan application amount for a predetermined period of time based on the reservation security loan application information provided by the customer, and responds to the examination result. After the loan is approved, the terminal provides loan approval information (eg, loan period, loan interest rate, loan amount, collateral information, etc.) written by the customer to the server (1000b).

The server receives the loan approval information, checks the automatic deposit information after the approval from the storage medium 245, and after the automatic payment information (for example, the loan application customer account number and the approved loan amount to the loan application customer account) If the agreement agreement information or customer application information, etc. for the automatic deposit is included, the automatic deposit information after the approval to the automatic deposit processing unit 910 (1005b).

When the server confirms the automatic deposit information after approval (for example, the account number, the agreement information or the selection information to agree to the automatic deposit after approval, etc.), the loan is linked to the financial system 300 to the account of the loan application customer or Automatic deposit to new account for loan (1010b).

The server automatically deposits a loan to the account of the loan application customer (1010b), and checks whether the loan automatic deposit is properly made (1015b).

If the automatic payment of the loan is not confirmed at the server (1020b), the automatic payment of the loan is confirmed in connection with the financial system 300 (1015b).

If the automatic payment of the loan is confirmed (1020b), in order to notify the customer of the automatic payment information of the loan, the information of the customer wireless terminal 940 associated with the account information of the automatic payment of the loan is checked from the storage medium 245 ( 1025b).

The server transmits the automatic loan payment information to the ARS server 935 to transmit the automatic loan payment information to the ARS server 935 to the customer wireless terminal 940 (1030b).

The ARS server 935 receives the automatic loan payment information from the server (1035b).

The ARS server 935 transmits the loan automatic deposit information of the customer received from the server to the wireless terminal 940 of the customer as an ARS voice announcement (1040b).

The wireless terminal 940 of the customer receives the voice announcement from the ARS server 935 and outputs the voice guidance through a predetermined output device provided in the wireless terminal 940 of the customer (1045b). ).

11 is a view showing a non-face-to-face loan processing system for automatic mortgage payment processing according to another embodiment of the present invention.

In more detail, Figure 11 is a predetermined customer at least one of the customer information, loan application information, automatic payment information after approval, customer wireless terminal information for the secured loan automatic payment processing to the loan processing system through a predetermined information registration interface When providing the reserved collateral loan application information including the above, the loan processing system generates a predetermined secured collateral loan application electronic document including the provided reserved collateral loan application information, and stores it in a predetermined electronic document repository, and reserves the reserved collateral. A system configuration for linking and processing the customer information included in the loan application information, loan application information, automatic deposit information after approval and customer wireless terminal information in a predetermined storage medium 1145, and specifically, the electronic document storage An external system associated with the loan processing system through a predetermined communication means It is for the exemplary method is provided for.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to infer various implementation methods for the configuration of a loan processing system for automatic deposit processing of mortgage loans. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 11 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the loan processing system. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in Fig. 11, the reservation security loan application electronic document is illustrated as being generated on the server side on the loan processing system, but the present invention is not limited thereto. The secured loan application electronic document may be generated on a terminal side that inputs (or selects) the reserved collateral loan application information (for example, an electronic document generation function provided on the server side is provided on the terminal side to provide the reserved collateral). Create a loan application electronic document), by which the present invention is not limited.

Hereinafter, on the loan processing system shown in FIG. 11, the reservation security loan application information is received from the customer through a predetermined information registration interface, and a predetermined reservation security loan application electronic document is generated and stored in a predetermined electronic document repository. At least one means and / or a component corresponding to a functional configuration for storing the reserved security loan application information in a predetermined storage medium 1145 is referred to as "loan processing server 1100" for convenience.

Referring to FIG. 11 according to an embodiment of the present invention, the loan processing system for the automatic deposit processing of the security loan includes at least one client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And a loan application terminal 1140 including the loan application terminal 1140, wherein the loan application terminal 1140 is connected to the loan processing server 1100 provided on the loan processing system through a predetermined network means. do.

According to an embodiment of the present invention, the customer connects to the loan processing server 1100 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, Inputting (or selecting) the reserved collateral loan application information for the automatic deposit processing of the secured loan through the at least one user interface provided by the loan processing server 1100, the client terminal through the predetermined network means It is preferable to transmit to the loan processing server 1100 provided on the processing system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer and / or connected to the TCP / IP based communication network. At least one notebook or a home appliance terminal (eg, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to comprise.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to the mobile communication network of the Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x based It comprises a wireless LAN terminal connected to a seonraen at least one are preferred.

In addition, the loan processing server 1100 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. Or, and / or comprises a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the loan processing server 1100 may be a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the portable Internet and / or IEEE 802.11x-based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the loan processing server 1100, inputs and / or selects at least one or more information through the user interface, and transmits the same to the loan processing server 1100. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the loan processing server 1100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the loan processing system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the loan processing server 1100 and And / or the wireless communication network performs a function of an information registration interface for the customer to register the reserved mortgage application information for the automatic deposit processing.

According to another exemplary embodiment of the present invention, the loan application terminal 1140 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the loan processing system as described above, when the loan application terminal 1140 is the automatic teller machine (not shown), the automatic teller machine (not shown) and the financial person moving device (not shown) and the loan processing The financial network connecting the server 1100 performs a function of an information registration interface for the customer to register the reserved mortgage application information for the automatic deposit processing of the security loan, and / or the loan application terminal 1140 In the case of the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the loan processing server 1100 may be used by the customer. Performs a function of an information registration interface for registering reservation security loan application information for automatic deposit processing, and / or with the financial institution that is the loan application terminal 1140. In the case of a terminal (and / or server) (not shown) provided in a suspended institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the loan processing server ( The network connecting 1100 performs a function of an information registration interface for the customer to register a reserved mortgage application information for the automatic loan processing.

The storage medium 1145 provided on the loan processing system according to the present invention includes the customer information, loan application information, and automatic deposit information after approval included in the reservation security loan application information provided from the loan application terminal 1140. The customer wireless terminal information is co-processed and stored in a predetermined storage medium 1145.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer of the financial institution) At least one or more member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the loan processing system in response to the customer by joining as a financial transaction customer. It is preferable to comprise.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

* In addition, the reservation deposit information after the approval is based on the reservation mortgage application information provided by the customer to review the loan application amount, and if the loan application is approved in response to the examination result, the loan application customer's account As information for transferring a loan to the loan, it is preferable to include at least one or more loan application customer account number to which the customer's loan is deposited, automatic deposit approval information after approval.

In addition, the customer wireless terminal information is based on the reservation mortgage application information provided by the customer to examine the loan application amount, and in response to the examination result, the loan approval is determined so that the loan of the loan application customer When the deposit is made into the account, the deposit result may include a wireless terminal number for transmitting an SMS text message or ARS voice announcement to the customer wireless terminal associated with the loan payment account, and the reservation security loan application provided by the customer. Based on the information, the loan application amount is examined and the loan approval is determined in response to the examination result. When the loan is deposited into the account of the loan application customer, the deposit result is transferred to the customer wired terminal linked to the loan payment account. It is also possible to add additional customer wired terminal information including wired terminal number for transmitting ARS voice announcement. have.

According to another exemplary embodiment of the present invention, the customer wireless terminal information includes wireless data including at least one of a portable Internet terminal used by the customer, a High Speed Downlink Packet Access (HSDPA) or a wireless broadband based wireless terminal. Preferably, the communication-based terminal includes at least one messenger ID or e-mail address.

The deposit reservation date information may include date information (eg, xxxxxxxxxx) for depositing a loan into an account of a customer applying for a loan on a desired date after a loan approval decision.

According to one embodiment of the invention, the storage medium 1145 is preferably provided in a DBMS on a financial system provided on (or associated with) the loan processing system, wherein the storage medium 1145 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 1145 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The loan processing server 1100 provided on the loan processing system according to the present invention is a generic term for the loan processing system side components connected to the loan application terminal 1140 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the loan application terminal 1140 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the loan processing server 1100. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or a predetermined access to the external system of the financial system through the Internet banking system. A server (or device), a program included in the server (or device), and / or a foreign device on the financial system accessible through the Internet banking server (and / or the server (or device)). It may be a server (or device) and / or a program provided in the external world on the financial system, thereby the present invention It shall not be limited.

According to another embodiment of the present invention, when the loan application terminal 1140 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the loan processing server 1100 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the outside world of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the loan application terminal 1140 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the loan processing server 1100 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to any server (or device) that is accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, thereby limiting the present invention It does not.

According to another embodiment of the present invention, when the loan application terminal 1140 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the loan processing server 1100 A predetermined server (or a TV banking server provided on the TV banking system) and / or a program provided on the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program included in the server (or device), and / or a server (or externally provided on the external system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external world on the financial system, by which the present invention is not limited.

According to an embodiment of the present invention, the loan processing server 1100 includes an interface unit (or interface means) 1105 for connecting and managing a predetermined communication channel with the loan request terminal 1140 through the network means. Characterized in that made.

According to an exemplary embodiment of the present invention, when the loan application terminal 1140 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1105 At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1105 connects a communication channel with the client terminal based on the TCP / IP protocol, A communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTTP protocol defined in the browser program is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the loan processing server 1100, the interface unit 1105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the loan application terminal 1140 is a financial automation device connected to a predetermined financial network, the interface unit 1105 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the loan application terminal 1140 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1105 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the loan processing server 1100, the interface unit 1105 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the loan application terminal 1140 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1105 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the loan application terminal 1140 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 1105 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 11, when the predetermined loan application terminal 1140 connects a predetermined communication channel with the loan processing server 1100 through the interface unit 1105, the collateral is secured. Generate (or extract) at least one user interface that allows the loan application terminal 1140 to input (or select) predetermined reservation security loan application information to be automatically transmitted to the loan processing server 1100 for loan payment processing. In addition, an interface providing unit (or interface providing means) 1110 providing the generated (or extracted) user interface to the loan application terminal 1140 in association with the interface unit 1105, and the loan application terminal ( In 1140, when the reservation security loan application information is input (or selected) through the user interface and transmitted, the loan unit is linked with the interface unit 1105. And an information receiving unit for receiving the reservation mortgage application information transmitted from the terminal 1140 (or the information receiving means) 1115 is characterized in that formed.

The interface provider 1110 is connected to the loan processing server 1100 and the loan processing server 1100 after the loan application terminal 1140 connects a predetermined communication channel with the loan processing server 1100. When requesting a user interface for the automatic deposit processing of the security loan, the loan application terminal 1140 inputs (or selects) predetermined reservation security loan application information and transmits it to the loan processing server 1100 through the network means. Generate at least one user interface, and / or extract it from a predetermined database (not shown), and the loan application is generated (or extracted) in conjunction with the interface unit 1105 via the network means. Characterized in that provided to the terminal 1140.

According to an embodiment of the present invention, when the loan application terminal 1140 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1110 may include a browser program provided in the client terminal; And / or generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1105.

According to another embodiment of the present invention, when the loan application terminal 1140 is a financial automation device connected to a predetermined financial network, the interface providing unit 1110 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1105.

According to another exemplary embodiment of the present invention, when the loan application terminal 1140 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1105.

According to another exemplary embodiment of the present invention, when the loan application terminal 1140 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1110 is the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 1105 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the loan application terminal 1140 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1110 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1105. .

According to another embodiment of the present invention, at least one or more users who input (or select) predetermined reservation security loan application information to the loan application terminal 1140 to transmit to the loan processing server 1100 through the network means. When a predetermined information registration program having an interface is provided, a user interface for inputting (or selecting) predetermined reservation security loan application information as described above and generating (or extracting) the user interface for transmission to the loan processing server 1100 is provided. The interface providing unit 1110 provided to the loan application terminal 1140 may be omitted, and the present invention is not limited thereto.

Thereafter, the loan application terminal 1140 inputs (or selects) the reservation security loan application information including at least one of the customer information, the loan application information, the automatic deposit information after approval, and the customer wireless terminal information through the user interface. And transmits the input (or selected) reservation security loan application information to the loan processing server 1100 through the network means, and correspondingly, the information receiving unit 1115 is associated with the interface unit 1105. To receive the reservation security loan application information transmitted from the loan application terminal 1140.

According to the implementation method of the present invention, the loan application terminal 1140 is the loan processing server to the reservation security loan application information including at least one of the customer information, loan application information, automatic deposit information after approval, customer wireless terminal information At least one or more OTP code generated through a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for confirming the validity of the reservation mortgage request information in 1100 It is preferable to transmit to the loan processing server 1100 through the network means.

According to an embodiment of the present invention, the loan application terminal 1140 encrypts at least one or more reservation security loan application information including at least one of the customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information. Encryption method (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or Preferably, the electronic signature is attached to the application information and transmitted to the loan processing server 1100 through the network means. For this purpose, the loan application terminal 1140 may include at least one encryption key corresponding to the encryption scheme. And / or have a predetermined public certificate including at least one encryption key, and / or It is preferable that the group certificate comprises a case, the card to verify the certificate provided in the IC chip (or IC card) reader provided in a predetermined IC chip (or IC card).

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the reservation collateral loan application information, and technical features of attaching a predetermined electronic signature to the reservation collateral loan application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 11, when the loan processing server 1100 receives the reservation security loan application information transmitted from the loan application terminal 1140 through the information receiving unit 1115, the received loan security loan application information is received. Is characterized in that it comprises a validity verification unit (or validity verification means) 1120 for confirming whether to satisfy the validity for the automatic mortgage payment automatic deposit processing.

According to an embodiment of the present invention, the reserved mortgage application information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method). When encrypted with a key exchange-based encryption method, the validity confirming unit 1120 may include at least one decryption method (eg, a symmetric key-based decryption method) corresponding to the encryption method. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received reservation security loan application information.

Alternatively, when a predetermined electronic signature is attached to the reservation mortgage application information, the validity verification unit 1120 checks the electronic signature attached to the reservation mortgage application information, thereby receiving the received reservation mortgage application information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted reservation collateral loan application information, and a technology for confirming an electronic signature attached to the reservation collateral loan application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

When the reservation security loan application information received through the information receiving unit 1115 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the reservation security loan application information, the validity confirmation The unit 1120 compares and authenticates the received password included in the reserved mortgage request information with a password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received reserved mortgage request information. desirable.

Alternatively, when the reservation security loan application information received through the information receiving unit 1115 further includes predetermined security card information for checking the validity of the reservation security loan application information, the validity verification unit 1120. Compares and authenticates the received security card information included in the reservation mortgage application information and the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received reservation security loan application information. desirable.

Alternatively, when the reservation mortgage request information received through the information receiving unit 1115 further includes a predetermined OTP code for confirming the validity of the reservation mortgage request information, the validity confirming unit 1120 may include: By comparing and authenticating the received OTP code included in the reservation mortgage application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received reservation mortgage application information is received. It is desirable to authenticate the validity of the.

According to an embodiment of the present invention, the validity confirmation of the reservation mortgage application information includes registering at least one ledger information matching the reservation mortgage application information in a ledger D / B on a financial system associated with the loan processing system. It is preferable to include checking whether it is done.

For example, the validity confirming unit 1120 may include, among the information included in the reserved mortgage loan application information, the customer information (customer personal information, membership information, etc.) of the ledger D / B on the financial system associated with the loan processing system. It is preferably made to include matching with the customer ledger stored in.

Referring to FIG. 11, when the loan processing server 1100 authenticates the validity of the reservation collateral loan application information through the validity confirmation unit 1120, a predetermined reservation including the received reservation collateral loan application information is received. Electronic document generation unit (or electronic document generating means) 1125 for generating a security loan application electronic document, and the electronic document transmission for transmitting the generated reservation security loan application electronic document to the electronic document storage associated with the loan processing system Characterized in that it comprises a portion (or electronic document transmission means) 1130.

The electronic document generation unit 1125 may generate a reservation security loan application electronic document including the reservation security loan application information received from the loan application terminal 1140 through the information receiver 1115.

According to an exemplary embodiment of the present invention, the electronic document generation unit 1125 includes customer information included in the reservation mortgage application information received through the information receiving unit 1115, loan application information, automatic deposit information after approval, and customer. Generating document content including at least one wireless terminal information, and generating at least a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the document content. It is preferable to process a word processing file including one or more, or a web document file including an MHT) into an electronic document for reservation secured loan application for automatic deposit processing.

Alternatively, the electronic document generator 1125 may include at least one of customer information, loan application information, automatic deposit information, and customer wireless terminal information included in the reservation security loan application information received through the information receiver 1115. Watermarking method for generating a document content including, and at least one information of the customer information, loan application information, automatic deposit information after approval, customer wireless terminal information included in the reservation security loan application information to the document content And a word processor including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content including the watermarking. File, or a web document file including MHT) into an electronic document for reservation loan application for automatic deposit processing. It is preferable.

Alternatively, the electronic document generator 1125 may include at least one of customer information, loan application information, automatic deposit information, and customer wireless terminal information included in the reservation security loan application information received through the information receiver 1115. Create a document content including, and the image file containing the captured image content (for example, the image content generated by capturing the document content on the memory) reservation for the automatic deposit processing It is advisable to process the secured loan electronic documents.

Alternatively, the electronic document generator 1125 may include at least one of customer information, loan application information, automatic deposit information, and customer wireless terminal information included in the reservation security loan application information received through the information receiver 1115. Customer information included in the reserved mortgage application information and loan application in the image content (eg, the image content generated by capturing the document content on a memory) that generates document content including the document content and captures the document content After the information, at least one or more information of the automatic deposit information, customer wireless terminal information including a watermarking (Watermarking) method, and the image file containing the image content including the watermarking for the automatic deposit processing It is advisable to process the reservation mortgage application electronically.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1125 may include customer information included in the reservation security loan application information received through the information receiving unit 1115, loan application information, automatic deposit information after approval, A predetermined document file that generates document content including at least one piece of customer wireless terminal information, and includes image content (eg, image content generated by capturing the document content on a memory). (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is preferable to process the secured loan application electronic document for automatic deposit processing.

Alternatively, the electronic document generator 1125 may include at least one of customer information, loan application information, automatic deposit information, and customer wireless terminal information included in the reservation security loan application information received through the information receiver 1115. Customer information included in the reserved mortgage application information and loan application in the image content (eg, the image content generated by capturing the document content on a memory) that generates document content including the document content and captures the document content A document file including image information including at least one of information, automatic deposit information after approval, and customer wireless terminal information by a watermarking method, and the image file including the watermarking (for example, At least one including a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC. By generating a word processor file, or a web document file including the MHT), it is preferable to process the secured loan application electronic document for the automatic deposit processing.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1125 may include customer information, loan application information, and automatic deposit information after approval included in the reservation security loan application information received through the information receiving unit 1115. And generating document content including at least one piece of customer wireless terminal information, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the reservation security loan application. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is desirable to process the secured loan application electronic document for the automatic deposit processing.

Alternatively, the electronic document generator 1125 may include at least one of customer information, loan application information, automatic deposit information, and customer wireless terminal information included in the reservation security loan application information received through the information receiver 1115. Customer information included in the reservation collateral loan application information and loans are generated in the document contents including the document contents, and the image contents captured by the document contents (for example, image contents generated by capturing the document contents on the memory). Generate image content including at least one or more of application information, automatic deposit information after approval, and customer wireless terminal information by watermarking, and the image content including the watermarking and the reservation security loan application information. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP / DOC) By generating a word processor file including at least one or the like, or a web document file including the MHT, etc.), it is preferable to process the secured loan application electronic document for the automatic deposit processing.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 1125 is a technical feature of generating a reservation security loan application electronic document of the image file format and / or a predetermined document file format, and Since the technical features of the file format of the image file and / or the document file corresponding to the reservation secured loan application electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 1130 transmits and stores the reservation secured loan application electronic document generated by the electronic document generating unit 1125 to a predetermined electronic document repository associated with the loan processing system. .

As shown in FIG. 11, the electronic document repository is connected with a loan processing server 1100 on the loan processing system through a predetermined communication means and a predetermined electronic document server 1150 and an electronic document D / B 1170. When provided externally, the electronic document transmission unit 1130 is the electronic document server 1150 via the communication means for the reservation secured loan application electronic document generated by the electronic document generation unit 1125 It characterized in that the transmission to.

Herein, when the electronic document server 1150 and the electronic document D / B 1170 are provided outside the loan processing system, the electronic document server 1150 and the electronic document D / B 1170 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the loan processing system, the electronic document transmitting unit 1130 is the reservation generated by the electronic document generating unit 1125. The secured loan application electronic document can be stored in the electronic document D / B 1170 corresponding to the electronic document storage on the DBMS provided in the loan processing system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 1130 inputs electronic document related information (eg, the reservation security loan application information) for generating predetermined electronic document management information in the electronic document server 1150. (Optional) customer information transmitted, and / or financial institution information transmitting the reservation mortgage request electronic document, and / or electronic document file format information, and / or the reservation mortgage application information, etc.) It is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 11, the loan processing server 1100 verifies that the reservation security loan application information received through the information receiver 1115 is valid for the automatic payment processing of the security loan through the validity verification unit 1120. When the information is stored in a predetermined storage medium 1145 by linking and processing the customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the reservation secured loan application information is validated (Or information storage means) 1135, characterized in that formed.

When the validity of the reservation collateral loan application information is confirmed by the validity confirmation unit 1120, the information storage unit 1135 automatically deposits customer information, loan application information, and approval included in the reservation collateral loan application information. Information and customer wireless terminal information in association with the storage medium 1145, and the storage medium 1145 is provided in the loan processing server 1100, or with the loan processing server 1100. When provided on the associated network, the information storage unit 1135 performs the process by linking the customer information, loan application information, automatic payment information after approval, customer wireless terminal information included in the received reservation security loan application information Preferably, the storage medium 1145 is stored in the storage medium 1145. When the storage medium 1145 is included in a DBMS provided on a financial system, the information storage unit 1135 may receive the reserved reservation collateral. After the customer information, loan information, authorization contained in the output request information Deposit information, client mobile station information through the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 11, an electronic document that receives a predetermined secured mortgage request electronic document from the loan processing server 1100 provided on the loan processing system and stores and manages the electronic document in a predetermined electronic document D / B 1170. The server 1150, the electronic document receiving unit 1155 for receiving a predetermined secured mortgage request electronic document from the loan processing server 1100 through a predetermined communication means, and the received secured secured loan application electronic document An information generation unit 1160 for generating predetermined electronic document management information for storing and managing in the electronic document D / B 1170, and the electronic document management information and the reservation secured loan application electronic document are processed in a predetermined manner. And an electronic document storage unit 1165 to store the electronic document D / B 1170.

The electronic document receiving unit 1155 may receive a reservation security loan application electronic document in the form of an image file and / or a document file from the loan processing server 1100 through the communication means.

According to an embodiment of the present invention, the reservation secured loan application electronic document received by the electronic document receiver 1155 through the communication means is a reservation that the loan processing server 1100 received from the loan application terminal 1140. A document file (eg, a Portable Document Format (PDF) file, or EDI) containing document contents including at least one or more of customer information, loan application information, automatic deposit information after approval, and wireless information of a customer included in the security loan application information. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the reservation security loan application electronic document received by the electronic document receiver 1155 through the communication means is included in the reservation security loan application information received by the loan processing server 1100 from the loan application terminal 1140. Document information including at least one of customer information, loan application information, automatic payment information after approval, customer wireless terminal information, the customer information included in the reservation mortgage application information, loan application information, automatic deposit information after approval, customer wireless After including at least one or more information of the terminal information in a watermarking (Watermarking) method, a document file (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) file containing the document content including the watermarking) , Or a word processor file including at least one HWP / DOC, or a web document file including MHT). It is to be preferred.

Alternatively, the reservation security loan application electronic document received by the electronic document receiver 1155 through the communication means is included in the reservation security loan application information received by the loan processing server 1100 from the loan application terminal 1140. Image content (e.g., image content generated by capturing the document content on the memory) which captures document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information. It is preferable to include an image file to include.

Alternatively, the reservation security loan application electronic document received by the electronic document receiver 1155 through the communication means is included in the reservation security loan application information received by the loan processing server 1100 from the loan application terminal 1140. To image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information. After including at least one or more information of the customer information, loan application information, automatic deposit information after approval, wireless customer information included in the reservation collateral loan application information in a watermarking (Watermarking) method, the image content including the watermarking It is preferable to include an image file including a.

According to another exemplary embodiment of the present invention, the reservation secured loan application electronic document received by the electronic document receiver 1155 through the communication means is received by the loan processing server 1100 from the loan application terminal 1140. Image content capturing document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the reservation mortgage application information (eg, the document content on the memory). A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) including captured and generated image content; or Web document file including MHT).

Alternatively, the reservation security loan application electronic document received by the electronic document receiver 1155 through the communication means is included in the reservation security loan application information received by the loan processing server 1100 from the loan application terminal 1140. To image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information. Generating image content including at least one or more information of customer information, loan application information, automatic deposit information after approval, and wireless information of a customer terminal included in the reservation security loan application information by a watermarking method, and the watermarking Document file (eg, Portable Document Format (PDF) file, or EDI (Electronic Dat) file containing the embedded image content. a Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the reservation secured loan application electronic document received by the electronic document receiving unit 1155 through the communication means is received by the loan processing server 1100 from the loan application terminal 1140. Image content capturing document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in a reservation secured loan application information (eg, the document content is stored in memory). At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) including image content captured and generated on a mobile device; Or a web document file including the MHT).

Alternatively, the reservation security loan application electronic document received by the electronic document receiver 1155 through the communication means is included in the reservation security loan application information received by the loan processing server 1100 from the loan application terminal 1140. To image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information. Generating an image content including at least one or more of the customer information included in the reservation mortgage application information, information from the university origin, automatic deposit information after approval, and customer wireless terminal information in a watermarking manner, A document file (for example, PDF (Portable Docum) containing image content including marking and the reservation mortgage application information. ent Format file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

The information generating unit 1160 uses a predetermined electronic document unique number (or unique information) to be assigned to the reservation secured loan application electronic document received through the electronic document receiving unit 1155, and the electronic document receiving unit 1155. And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the reservation secured loan application electronic document was stored) when the reservation secured loan application electronic document was received. .

According to the exemplary embodiment of the present invention, the information generating unit 1160 refers to the loan processing server 1100 that has transmitted the reservation secured loan application electronic document received through the electronic document receiving unit 1155 and the reservation collateral. It is preferable to identify the financial institution that has sent the loan application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the loan processing server 1100 through the electronic document receiving unit 1155, the information generating unit 1160 receives the received information. Electronic document-related information (e.g., customer information transmitted by inputting (selecting) the reservation security loan application information and / or financial institution information transmitting the reservation security loan application electronic document, and / or electronic document file format information, And / or the reservation mortgage application information, etc.).

The electronic document storage unit 1165 associates the reservation secured loan application electronic document received through the electronic document receiving unit 1155 with the electronic document management information generated through the information generating unit 1160 to process a predetermined electronic document. It is characterized in that the storage in the D / B (1170).

According to the exemplary embodiment of the present invention, the reservation secured loan application electronic document stored in the electronic document storage unit 1165 by the electronic document D / B 1170 is the loan processing server 1100 by the loan application terminal ( A document file (eg, a PDF (Portable Document) including document content including at least one or more of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the reservation collateral loan application information received from 1140. Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the reservation collateral loan application electronic document stored in the electronic document D / B 1170 by the electronic document storage unit 1165 may be a reservation collateral received by the loan processing server 1100 from the loan application terminal 1140. Customer information included in the reservation collateral loan application information, loan application information, and after approval in document contents including at least one of customer information included in the loan application information, loan application information, automatic deposit information after approval, and customer wireless terminal information. After including at least one or more information of the automatic deposit information, customer wireless terminal information by a watermarking method, a document file (for example, a PDF (Portable Document Format) file, or EDI including document content including the watermarking) (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It eojineun preferred.

Alternatively, the reservation collateral loan application electronic document stored in the electronic document D / B 1170 by the electronic document storage unit 1165 may be a reservation collateral received by the loan processing server 1100 from the loan application terminal 1140. Image content (e.g., capturing the document content on the memory by capturing document content including at least one or more of customer information included in the loan application information, loan application information, automatic deposit information after approval, and customer wireless terminal information) And an image file including generated image content).

Alternatively, the reservation collateral loan application electronic document stored in the electronic document D / B 1170 by the electronic document storage unit 1165 may be a reservation collateral received by the loan processing server 1100 from the loan application terminal 1140. Image content (e.g., capturing the document content on the memory by capturing document content including at least one or more of customer information included in the loan application information, loan application information, automatic deposit information after approval, and customer wireless terminal information) The generated image content) includes at least one or more of the customer information, the loan application information, the automatic deposit information after approval, and the wireless information of the customer terminal included in the reservation security loan application information in a watermarking manner, It is preferable to include an image file including the image content including the marking.

According to another embodiment of the present invention, the secured loan application electronic document that the electronic document storage unit 1165 stores in the electronic document D / B 1170, the loan processing server 1100 is the loan application terminal Image content (eg, captured) of document content including at least one or more customer information, loan application information, automatic deposit information after approval, customer wireless terminal information included in the reservation collateral loan application information received from (1140) At least one predefined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the document content generated by capturing the document content in memory. A word processor file, or a web document file including MHT).

Alternatively, the reservation collateral loan application electronic document stored in the electronic document D / B 1170 by the electronic document storage unit 1165 may be a reservation collateral received by the loan processing server 1100 from the loan application terminal 1140. Image content (e.g., capturing the document content on the memory by capturing document content including at least one or more of customer information included in the loan application information, loan application information, automatic deposit information after approval, and customer wireless terminal information) Generated image contents) including image information including at least one or more of customer information, loan application information, automatic deposit information after approval, and wireless information of a customer terminal included in the reserved mortgage application information in a watermarking manner. A document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file) that is generated and contains image content including the watermarking. Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to another embodiment of the present invention, the secured loan application electronic document that the electronic document storage unit 1165 stores in the electronic document D / B 1170, the loan processing server 1100 the loan application Image content that captures document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the reservation security loan application information received from the terminal 1140 (for example, A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing the document content generated by capturing the document content on a memory and the reserved mortgage request information. A word processor file including at least one of / DOC or the like, or a web document file including an MHT).

Alternatively, the reservation collateral loan application electronic document stored in the electronic document D / B 1170 by the electronic document storage unit 1165 may be a reservation collateral received by the loan processing server 1100 from the loan application terminal 1140. Image content (e.g., capturing the document content on the memory by capturing document content including at least one or more of customer information included in the loan application information, loan application information, automatic deposit information after approval, and customer wireless terminal information) Generated image contents) including image information including at least one or more of customer information, loan application information, automatic deposit information after approval, and wireless information of a customer terminal included in the reserved mortgage application information in a watermarking manner. A document file (for example, PDF (Portable Doc)) that generates and includes image content including the watermarking and the reservation security loan application information. ument Format file, an EDI file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT.

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1170 by the electronic document storage unit 1165 in association with the reservation secured loan application electronic document is stored in the reserved mortgage. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1170 by the electronic document storage unit 1165 in association with the reservation secured loan application electronic document is stored in the reservation collateral. Preferably, the information on the financial institution that transmitted the reservation secured loan application electronic document confirmed by referring to the loan processing server 1100 that transmitted the loan application electronic document is preferably made.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the loan processing server 1100, the electronic document storage unit 1165 processes the electronic document storage in connection with the reservation secured loan application electronic document. The electronic document management information stored in the electronic document D / B 1170 may include customer information transmitted by inputting (selecting) the received electronic document related information (eg, the reservation security loan application information), and / or the reservation. Financial institution information for transmitting the secured loan application electronic document, and / or electronic document file format information, and / or the reserved secured loan application information, etc.).

12 is a diagram illustrating a structure of reservation secured loan application information stored in a ledger D / B 1205 provided in a DBMS on a financial system 1200 in a non-face-to-face manner for automatic deposit processing of secured loans according to an embodiment of the present invention. Drawing.

In more detail, in FIG. 12, when the storage medium 1145 illustrated in FIG. 11 is a ledger D / B 1205 provided in a DBMS on the financial system 1200, the ledger D / B 1205 is provided. As the information structure of an embodiment of the method for storing the reservation security loan application information including the customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information in the ledger information, the present invention belongs to Persons having ordinary skill in the art may refer to and / or modify this drawing 12 to infer various information construction methods for storing the reserved mortgage application information in the ledger D / B 1205. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 12 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1205 included in the DBMS on the financial system 1200 may include a predetermined customer ledger and an account associated with the customer ledger. It is shown as including a ledger (for example, a ledger, loan ledger, etc.) and at least one information associated with the account ledger, if one of ordinary skill in the art belongs to the financial system 1200 In the ledger D / B 1205 provided in the DBMS on the at least one ledger (for example, a loan ledger, a mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information for maintenance and management is further included, and the specific technical matters for this will be understood. It will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus detailed description thereof will be omitted.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 12, the reserved mortgage application information provided through the loan processing system shown in FIG. 11 is stored in the form of additional information added to the account ledger. It comprises a loan application information, automatic payment information after approval, at least one or more of the customer wireless terminal information.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is finance of the financial institution) By registering as a transaction customer, at least member ID information, CIF (Customer Information File), etc., which are provided in the customer ledger provided on the financial system 1200 associated with the loan processing system, is corresponding to the customer. It is preferable to include one or more.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

In addition, the reservation deposit information after the approval is based on the reservation mortgage application information provided by the customer to examine the loan application amount, and if the loan application is approved in response to the examination result to the account of the loan application customer As information for transferring a loan, it is preferable to include at least one or more loan application customer account number, the automatic deposit payment approval information, etc., to which the customer's loan is deposited.

In addition, the customer wireless terminal information is based on the reservation secured loan application information provided by the customer to examine the loan application amount, and in response to the examination result, the loan approval is determined and the loan is the loan application customer When the deposit is made to the account, the deposit result may include a wireless terminal number for transmitting an SMS text message or ARS voice announcement to the customer wireless terminal associated with the loan payment account, and the reservation security loan provided by the customer Based on the application information, the loan application amount is examined and the loan approval is determined in response to the result of the examination. You can also add additional customer wired terminal information, including wired terminal number, for sending ARS voice announcements. have.

According to another exemplary embodiment of the present invention, the customer wireless terminal information includes wireless data including at least one of a portable Internet terminal used by the customer, a High Speed Downlink Packet Access (HSDPA) or a wireless broadband based wireless terminal. Preferably, the communication-based terminal includes at least one messenger ID or e-mail address.

The deposit reservation date information may include date information (eg, xxxxxxxxxx) for depositing a loan into an account of a customer applying for a loan on a desired date after a loan approval decision.

According to another embodiment of the present invention, the reserved mortgage application information is stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (eg, the customer ledger). It is possible to be stored in the form of additional information to be added and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

Figure 13 is a reservation secured loan application stored in a database associated with the ledger D / B (1300) provided in the DBMS on the financial system 1200 in a non-face-to-face for the automatic deposit processing of collateral loans according to another embodiment of the present invention It is a figure which shows an information structure.

More specifically, FIG. 13 illustrates an embodiment in which the storage medium 1305 shown in FIG. 11 is stored in a predetermined database linked to the ledger D / B 1300 included in the DBMS on the financial system 1200. As shown in FIG. 13, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 13 to transfer the reservation secured loan application information to a predetermined database. 1300 may be inferred from the various information configuration methods to be stored in association with the present invention, the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 13 shows that it is not easy to store the reserved collateral loan application information in the ledger information of the ledger D / B 1300 on the DBMS provided on the financial system 1200 (for example, the policy of a financial institution). When it is not easy to change the ledger D / B 1300 of the phase DBMS, or the system expansion is not easy due to the characteristics of the financial system 1200), the predetermined database may be used instead of the ledger D / B 1300. A method of storing reservation secured loan application information and storing the reserved collateral loan application information in association with the database and the ledger D / B 1300 is shown.

In addition, the database shown in FIG. 13 does not have to be provided on a DBMS provided on the financial system 1200 as in the embodiment shown in FIG. 13, and a database on the Internet banking system according to the intention of a person skilled in the art, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 13, the database is characterized in that the customer information contained in the reservation security loan application information, loan application information, automatic deposit information after approval, customer wireless terminal information is stored in a cooperative process, the reservation mortgage loan Application information is preferably made to further include a CIF number corresponding to the ledger information in the reservation secured loan application information to be processed in conjunction with the ledger D / B (1300).

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is finance of the financial institution) By registering as a transaction customer, at least member ID information, CIF (Customer Information File), etc., which are provided in the customer ledger provided on the financial system 1200 associated with the loan processing system, is corresponding to the customer. It is preferable to include one or more.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

In addition, the reservation deposit information after the approval is based on the reservation mortgage application information provided by the customer to examine the loan application amount, and if the loan application is approved in response to the examination result to the account of the loan application customer As information for transferring a loan, it is preferable to include at least one or more loan application customer account number, the automatic deposit payment approval information, etc., to which the customer's loan is deposited.

In addition, the customer wireless terminal information is based on the reservation mortgage application information provided by the customer to examine the loan application amount, and in response to the examination result, the loan approval is determined so that the loan of the loan application customer When the deposit is made into the account, the deposit result may include a wireless terminal number for transmitting an SMS text message or ARS voice announcement to the customer wireless terminal associated with the loan payment account, and the reservation security loan application provided by the customer. Based on the information, the loan application amount is examined and the loan approval is determined in response to the examination result. When the loan is deposited into the account of the loan application customer, the deposit result is transferred to the customer wired terminal linked to the loan payment account. It is also possible to add additional customer wired terminal information including wired terminal number for transmitting ARS voice announcement. The.

According to another exemplary embodiment of the present invention, the customer wireless terminal information includes wireless data including at least one of a portable Internet terminal used by the customer, a High Speed Downlink Packet Access (HSDPA) or a wireless broadband based wireless terminal. Preferably, the communication-based terminal includes at least one messenger ID or e-mail address.

Also, the deposit reservation date information may include date information (for example, xxxxxxxxxxxx date) for depositing a loan into the account of the customer applying for the loan on a desired date after the loan approval decision.

14 is a diagram illustrating a structure of a reservation collateral loan application information stored in a DBMS provided in the banking server 1400 in a non-face-to-face manner for automatic deposit processing of a security loan according to another embodiment of the present invention.

More specifically, in Figure 14, the storage medium 1305 shown in Figure 11 is provided with a predetermined banking provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment provided in the DBMS provided in the server 1400, those skilled in the art to which the present invention pertains, at least one or more banking server (see FIG. 1400 may be inferred from the information configuration method for the reservation secured loan application information stored in a predetermined DBMS, but the present invention includes all the implementation method inferred above, shown in Figure 14 It is not limited to only.

Referring to FIG. 14, a predetermined DBMS provided in the banking server 1400 processes the customer information, loan application information, automatic deposit information after approval, and wireless information of the customer terminal included in the reservation security loan application information. It is characterized by storing.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is the financial institution Member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 1200 associated with the loan processing system in response to the customer by subscribing as a financial transaction customer It is preferable to include at least one.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

In addition, the reservation deposit information after the approval is based on the reservation mortgage application information provided by the customer to examine the loan application amount, and if the loan application is approved in response to the examination result to the account of the loan application customer As information for transferring a loan, it is preferable to include at least one or more loan application customer account number, the automatic deposit payment approval information, etc., to which the customer's loan is deposited.

In addition, the customer wireless terminal information is based on the reservation mortgage application information provided by the customer to examine the loan application amount, and in response to the examination result, the loan approval is determined so that the loan of the loan application customer When the deposit is made into the account, the deposit result may include a wireless terminal number for transmitting an SMS text message or ARS voice announcement to the customer wireless terminal associated with the loan payment account, and the reservation security loan application provided by the customer. Based on the information, the loan application amount is examined and the loan approval is determined in response to the examination result. When the loan is deposited into the account of the loan application customer, the deposit result is transferred to the customer wired terminal linked to the loan payment account. It is also possible to add additional customer wired terminal information including wired terminal number for transmitting ARS voice announcement. have.

According to another exemplary embodiment of the present invention, the customer wireless terminal information includes wireless data including at least one of a portable Internet terminal used by the customer, a High Speed Downlink Packet Access (HSDPA) or a wireless broadband based wireless terminal. Preferably, the communication-based terminal includes at least one messenger ID or e-mail address.

The deposit reservation date information may include date information (eg, xxxxxxxxxx) for depositing a loan into an account of a customer applying for a loan on a desired date after a loan approval decision.

15A and 15B illustrate a process of registering reservation mortgage application information in a non-face-to-face manner for automatically depositing a mortgage according to an embodiment of the present invention.

In more detail, FIGS. 15A and 15B show that the loan application terminal 1140 on the loan processing system shown in FIG. 11 is a client terminal, and the loan processing server 1100 is accessible to a client terminal through a predetermined network means. In the case of having a web server function, a predetermined customer includes at least one of customer information, loan application information, automatic payment information after approval, and customer wireless terminal information through the client terminal for the automatic deposit processing of the security loan. When providing the reservation security loan application information, the loan processing system generates a predetermined reservation security loan application electronic document including the provided reservation security loan application information and stores it in a predetermined electronic document store, and the reservation security loan application information. The customer information contained in the, loan application information, automatic deposit information after approval, customer wireless end The present invention relates to a method of storing horse information in a predetermined storage medium 1305, and those skilled in the art to which the present invention pertains may refer to and / or modify the present drawings 15a and 15b. Although various implementation methods for registering the reservation collateral loan application information from the client terminal to the loan processing server 1100 may be inferred, the present invention includes all the inferred implementation methods, and FIGS. 15A and 15B. It is not limited to the implementation method shown by.

For example, in the implementation method illustrated in FIGS. 15A and 15B, the loan processing server 1100 provides a user interface for the client terminal to input (or select) the reservation security loan application information through a predetermined web page. Although illustrated as being provided, the user interface is provided with a predetermined information registration program in the client terminal, the user interface may not be provided from the loan processing server 1100, thereby the present invention is not limited.

Hereinafter, in FIG. 15A and FIG. 15B, the client terminal shown in FIG. 11 is referred to as a "terminal" for convenience, and the loan processing server 1100 shown in FIG. 11 is referred to as a "server" for convenience, and in the client terminal The customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information transmitted to the loan processing server 1100 are referred to as "reserved security loan application information" for convenience.

15A and 15B, when the client terminal shown in FIG. 11 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connecting to a server through a CDMA-based (and / or HSDPA-based) mobile communication network, and / or an IEEE 802.16x-based portable Internet, and / or an IEEE 802.11x-based wireless LAN) to connect a predetermined communication channel, When requesting a web page including a user interface for automatic loan payment processing (1500), the server correspondingly includes at least one or more of the customer information, loan application information, automatic deposit information after approval, customer wireless terminal information Create (or add) a web page that includes a user interface for entering (or selecting) a reservation mortgage application information and transmitting it to the server. ) And 1505, and outputs via the network means sends a web page containing the created user interface (or extract) to the mobile station (1510).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the reservation security loan application information registration procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) the reservation security loan application information including at least one or more customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information through the user interface included in the web page ( 1515).

If the terminal inputs (or selects) the secured loan application information including the customer information, the loan application information, the automatic deposit information after approval, and the customer wireless terminal information (1520) through the user interface, the terminal receives the The customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information transmitted through the communication channel are transmitted to the server (1525).

According to the implementation method of the present invention, the terminal is secured on the reservation security loan application information from the server to the reservation security loan application information including at least one of the customer information, loan application information, automatic payment information after approval, customer wireless terminal information At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for checking the validity to the server through the network means It is desirable to transmit.

According to an embodiment of the present invention, the terminal may include at least one encryption scheme (eg, symmetric) for reservation collateral loan application information including at least one of the customer information, loan application information, automatic payment information after approval, and customer wireless terminal information. Key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. Preferably, a signature is transmitted to the server through the network means, and for this purpose, the terminal includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Have a certified certificate, and / or have a predetermined IC chip (or IC card) If provided, it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption scheme (eg, symmetric) for reservation collateral loan application information including at least one of the customer information, loan application information, automatic payment information after approval, and customer wireless terminal information. Key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. To this end, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certificate is a predetermined IC chip. (Or IC card), check the official certificate provided on the IC chip (or IC card) To be provided with a card reader is preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the reservation collateral loan application information, and technical features of attaching a predetermined electronic signature to the reservation collateral loan application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the loan application information, the automatic deposit information after approval, and the customer wireless terminal information through the communication channel to check the validity of the reservation security loan application information (1530).

According to an embodiment of the present invention, the reserved mortgage request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the server converts the encrypted reservation security loan application information into at least one decryption scheme (eg, symmetric key-based decryption scheme, and / or public key) corresponding to the encryption scheme. Based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received reservation loan application information.

Alternatively, when a predetermined electronic signature is attached to the reservation collateral loan application information, the server verifies the digital signature attached to the reservation collateral loan application information, thereby validating the validity of the received reservation collateral loan application information. It is preferable.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted reservation collateral loan application information, and a technology for confirming an electronic signature attached to the reservation collateral loan application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, when the reservation security loan application information received through the information receiving unit 1115 further includes a predetermined password for confirming the validity of the reservation security loan application information, the server may be configured as described above. It is preferable to authenticate the validity of the received reservation mortgage application information by comparing and authenticating a password included in the reservation mortgage application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the reservation security loan application information received through the information receiving unit 1115 further includes predetermined security card information for confirming the validity of the reservation security loan application information, the server provides the reservation security loan. It is preferable to authenticate the validity of the received reservation security loan application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the reserved mortgage loan application information received through the information receiving unit 1115 further includes a predetermined OTP code for checking the validity of the reserved mortgage loan application information, the server requests the reserved mortgage loan application. By comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS, the validity of the received reservation mortgage application information is authenticated. It is desirable to.

According to the method of the present invention, the validity confirmation of the reservation mortgage application information is matched with the reservation mortgage application information in the ledger D / B 1300 on the financial system 1200 associated with the loan processing system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 1120 may include a ledger on the financial system 1200 in which the customer information (customer personal information or member information, etc.) of the information included in the reservation security loan application information is linked to the loan processing system. It is preferably made to include matching with the customer ledger stored in the D / B (1300).

If the validity of the reservation mortgage request information is not authenticated (1535), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1540), and the reservation mortgage request information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the reservation mortgage application information is authenticated (1535), the server provides at least one or more customer information including the reservation mortgage application information, loan application information, automatic deposit information after approval, customer wireless terminal information A predetermined document content including the document content is generated (1545), and a predetermined secured loan application electronic document including the document content is generated (1550).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the received reservation security loan application information. And a document file including the document content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or MHT. Web document files, etc.) is preferably processed as a secured electronic loan application for the secured loan payment processing.

Alternatively, the server generates document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the received reservation security loan application information, After including at least one or more information of the customer information, loan application information, automatic deposit information after approval, customer wireless terminal information included in the reservation collateral loan application information by watermarking (Watermarking) method, the document content including the watermarking A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the secured secured loan application electronic document for the automatic deposit processing of the secured loan.

Alternatively, the server generates document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the received reservation security loan application information, and captures the document content. It is preferable to process an image file including captured image content (eg, image content generated by capturing the document content on a memory) as a reservation security loan application electronic document for automatic deposit processing.

Alternatively, the server generates document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the received reservation security loan application information, and captures the document content. Captured image contents (e.g., image contents generated by capturing the document contents on a memory) among customer information included in the reserved mortgage application information, loan application information, automatic deposit information after approval, and customer wireless terminal information. After including at least one or more information by a watermarking method, it is preferable to process the image file including the image content including the watermarking as a reservation collateral loan application electronic document for automatic deposit processing.

According to another exemplary embodiment of the present invention, the server may include document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the received reservation security loan application information. A predetermined document file (eg, a Portable Document Format (PDF) file, or EDI) that includes an image content generated by capturing the document content (eg, image content generated by capturing the document content on a memory). (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), and the like, the reservation secured loan application electronic document for the automatic deposit processing It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the received reservation security loan application information, and captures the document content. Captured image contents (e.g., image contents generated by capturing the document contents on a memory) among customer information included in the reserved mortgage application information, loan application information, automatic deposit information after approval, and customer wireless terminal information. Generate image content including at least one or more information in a watermarking manner, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing the watermarking image content. ) File, or a word processor file including at least one, such as HWP / DOC, or MHT By creating a document file, etc.), it is preferable that the mortgage process mortgage applications scheduled to electronic documents for the auto loan payment processing.

According to another exemplary embodiment of the present invention, the server may include at least one document information including customer information, loan application information, automatic payment information after approval, and customer wireless terminal information included in the received reservation security loan application information. A predetermined document file (e.g., PDF (e.g., image content generated by capturing the document content on a memory) and the reserved mortgage request information; A portable document format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is advisable to process a secured electronic loan application for a reservation.

Alternatively, the server generates document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the received reservation security loan application information, and captures the document content. Captured image contents (e.g., image contents generated by capturing the document contents on a memory) among customer information included in the reserved mortgage application information, loan application information, automatic deposit information after approval, and customer wireless terminal information. A document file (eg, a Portable Document Format (PDF) file) generating image content including at least one or more information by a watermarking method, and including the watermarking image content and the reserved mortgage request information. Word, including at least one or more Electronic Data Interchange (EDI) files, HWP / DOC, etc. By creating a processor files, or web files such as documents) that includes the MHT, it is preferable that the mortgage process mortgage applications scheduled to electronic documents for the auto loan payment processing.

Those skilled in the art to which the present invention pertains include the technical features of the server generating a reservation mortgage request electronic document in an image file format and / or a predetermined document file format, and the reservation mortgage request electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated secured loan application electronic document in a predetermined electronic document storage (1555).

As shown in FIG. 11, the electronic document repository includes a predetermined electronic document server 1150 and an electronic document D / B 1170 connected to a server on the loan processing system through predetermined communication means. When provided, the server preferably transmits the generated secured mortgage request electronic document to the electronic document server 1150 via the communication means to store in the electronic document D / B (1170).

Alternatively, when the electronic document storage is provided on a DBMS provided in the loan processing system, the server corresponds to the generated electronic document storage on the DBMS provided in the loan processing system. It is possible to store in the electronic document D / B 1170, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the reservation secured loan application electronic document in the electronic document storage is shown in FIG. 11 by linking the generated reservation secured loan application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (1170).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the reservation secured loan application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the reservation security loan application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the reservation security loan application information and / or financial institution information transmitting the reservation security loan application electronic document). , And / or electronic document file format information, and / or the above-mentioned reservation security loan application information, etc.).

If the reservation secured loan application electronic document is stored in the electronic document repository (1560), the server includes the customer information included in the reservation secured loan application information, information from the home office, automatic deposit information after approval, and a customer wireless terminal. The information is linked and stored in a predetermined storage medium 1305 (1565), and predetermined reservation loan application history information (e.g., details of storing the reservation security loan application electronic document in the electronic document repository, and / or The storage medium 1305 generates (or extracts) the details of storing the reservation security loan application information and transmits the generated information to the terminal (1570).

According to one embodiment of the invention, the storage medium 1305 is preferably provided in a DBMS on the financial system 1200 provided on the loan processing system (or associated with the loan processing system). The storage medium 1305 may be a ledger D / B 1300 provided in a DBMS on the financial system 1200, and / or a predetermined database associated with the ledger D / B 1300. The present invention is not limited.

According to another method of the present invention, the storage medium 1305 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

16A, 16B, and 16C illustrate a process of registering reservation collateral loan application information through a non-face-to-face financial transaction channel for automatic deposit processing of collateral loan according to one embodiment of the present invention.

In more detail, FIGS. 16A, 16B, and 16C illustrate a case where the loan processing system shown in FIG. 11 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, on the loan processing system shown in FIG. 11). In the case where the loan processing server 1100 is an internet banking server, the client terminal accesses the internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure. When the client terminal transmits the predetermined reservation collateral loan application information for the automatic deposit processing of the collateral loan to the Internet banking server, the predetermined reservation collateral loan application including the received reservation collateral loan application information from the Internet banking server. Generate an electronic document, store it in a predetermined electronic document storage, and include the image included in the reserved mortgage application information. The present invention relates to an implementation method of linking customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information in a predetermined storage medium 1305, and has a general knowledge in the technical field to which the present invention pertains. However, various implementation methods for registering the reservation mortgage application information through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawings 16a, 16b, and 16c may be inferred. It includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 16A, 16B, and 16C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 16A, 16B, and 16C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering a reserved mortgage application information between the client terminal and the internet banking server based on the browser program is illustrated, the present disclosure has a general knowledge in the art. Growing up, the client based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 16A, 16B, and 16C. Terminal and internet bang Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering a secured mortgage application information between the servers, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 16a, 16b and 16c, Another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, may infer an implementation method for linking a non-face-to-face channel-based financial transaction channel for registration of a secured loan application information, but the present invention Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in Figs. 16A, 16B and 16C.

16A, 16B, and 16C, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the loan processing server 1100 is referred to as " server "

16A, 16B, and 16C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1600a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1605a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on the predetermined communication protocol defined in the internet banking program and at least one or more information ( Or a communication channel for transmitting / receiving data).

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1610a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (1615a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1620a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1625a), or if the terminal does not need to mount and / or update the Internet banking security module (1615a), the server may By activating the security module for the Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1630a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and also provided by the terminal to the server for registration of the reservation security loan application information. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program ( Or a predetermined digital signature attached to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for registration of reservation security loan application information. Attach a predetermined digital signature to information (or data) to be provided and / or at least When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or decryption function for the information (or data) by using the certificate of the customer mounted in the terminal. It is done.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1635a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1640a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face channel based financial transaction based on the customer authentication data received from the terminal. (1645a).

If the Internet banking customer authentication fails (1650a), the server blocks the Internet banking secure channel for the terminal (1655a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (x50a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (x60a), where the Internet banking-based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined reservation security loan application information for the automatic deposit processing of the security loan from the terminal.

Subsequently, when the terminal requests a web page including a user interface for the automatic deposit processing of the security loan to the server through an internet banking-based financial transaction channel (1600b), the server correspondingly requests the customer information and loan application. Generate (or extract) a web page including a user interface for inputting (or selecting) reservation mortgage application information including at least one of information, automatic deposit information after approval, and customer wireless terminal information, and transmitting the information to the server; In operation 1605b, the webpage including the generated (or extracted) user interface is transmitted and output to the terminal through the internet banking-based financial transaction channel (1610b).

According to an embodiment of the present invention, the web page inputs (or selects) the reservation security loan application information including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information. It may preferably comprise a user interface, and / or predetermined password and / or security card information (e.g., an Internet banking application process to verify validity for an Internet banking customer requesting to register the reservation mortgage application information. The security card information printed on the security card issued to the customer and / or the one time password (OTP) (eg, the internet banking application process (or after the internet banking application). And a user interface for inputting a one-time password generated through the authentication program). It is preferred.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least one or more times according to the reservation mortgage application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) the secured mortgage application information including at least one of the customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information through the information registration interface (1615b). .

If the terminal inputs (or selects) the reservation security loan application information including the customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information through the user interface (1620b), the terminal receives the The reservation security loan application information input (or selected) is transmitted to the server through a financial transaction channel (1625b).

According to the implementation method of the present invention, the terminal is secured on the reservation security loan application information from the server to the reservation security loan application information including at least one of the customer information, loan application information, automatic payment information after approval, customer wireless terminal information At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for checking the validity to the server through the network means It is desirable to transmit.

According to an embodiment of the present invention, the terminal may include at least one encryption scheme (eg, symmetric) for reservation collateral loan application information including at least one of the customer information, loan application information, automatic payment information after approval, and customer wireless terminal information. Key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. Preferably, a signature is transmitted to the server through the network means, and for this purpose, the terminal includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Have a certified certificate, and / or have a predetermined IC chip (or IC card) If provided, it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption scheme (eg, symmetric) for reservation collateral loan application information including at least one of the customer information, loan application information, automatic payment information after approval, and customer wireless terminal information. Key-based encryption method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. To this end, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certificate is a predetermined IC chip. (Or IC card), to check the official certificate provided on the IC chip (or IC card) Preferably, one card reader is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the reservation collateral loan application information, and technical features of attaching a predetermined electronic signature to the reservation collateral loan application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the reservation security loan application information through the financial transaction channel to confirm the validity of the reservation security loan application information (1630b).

According to an embodiment of the present invention, the reserved mortgage request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption scheme, the server may convert the encrypted reservation security loan application information into at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption, and / or electronic envelope-based decryption, and / or key exchange-based decryption, etc.), it is desirable to authenticate the validity of the received reservation loan application information.

Alternatively, when a predetermined electronic signature is attached to the reservation collateral loan application information, the server verifies the digital signature attached to the reservation collateral loan application information, thereby validating the validity of the received reservation collateral loan application information. It is preferable.

Those skilled in the art to which the present invention pertains check the technical features of various decryption schemes for decrypting the encrypted reservation loan application information and the electronic signature attached to the reservation loan application information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the reservation security loan application information received through the information receiving unit 1115 further includes a predetermined password for confirming the validity of the reservation security loan application information, the server may be configured as described above. It is preferable to authenticate the validity of the received reservation mortgage application information by comparing and authenticating a password included in the reservation mortgage application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the reservation security loan application information received through the information receiving unit 1115 further includes predetermined security card information for confirming the validity of the reservation security loan application information, the server provides the reservation security loan. It is preferable to authenticate the validity of the received reservation security loan application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the reserved mortgage loan application information received through the information receiving unit 1115 further includes a predetermined OTP code for checking the validity of the reserved mortgage loan application information, the server requests the reserved mortgage loan application. By comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS, the validity of the received reservation mortgage application information is authenticated. It is desirable to.

According to the method of the present invention, the validity confirmation of the reservation mortgage application information is matched with the reservation mortgage application information in the ledger D / B 1300 on the financial system 1200 associated with the loan processing system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 1120 may include a ledger on the financial system 1200 in which the customer information (customer personal information or member information, etc.) of the information included in the reservation security loan application information is linked to the loan processing system. It is preferably made to include matching with the customer ledger stored in the D / B (1300).

If the validity of the reservation mortgage request information is not authenticated (1635b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1640b), and the reservation mortgage request information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the reservation mortgage application information is authenticated (1635b), the server provides at least one or more customer information including the reservation mortgage application information, loan application information, automatic deposit information after approval, and customer wireless terminal information. Generate a predetermined document content including (1645b), and generates a predetermined reservation security loan application electronic document containing the document content (1650c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the received reservation security loan application information. And a document file including the document content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or MHT. Web document files, etc.) is preferably processed as a secured electronic loan application for the secured loan payment processing.

Alternatively, the server generates document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the received reservation security loan application information, After including at least one or more information of the customer information, loan application information, automatic deposit information after approval, customer wireless terminal information included in the reservation collateral loan application information by watermarking (Watermarking) method, the document content including the watermarking A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the secured secured loan application electronic document for the automatic deposit processing of the secured loan.

Alternatively, the server generates document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the received reservation security loan application information, and captures the document content. It is preferable to process an image file including captured image contents (eg, image contents generated by capturing the document contents on a memory) as a reservation security loan application electronic document for automatic deposit processing.

Alternatively, the server generates document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the received reservation security loan application information, and captures the document content. Captured image contents (e.g., image contents generated by capturing the document contents on a memory) among customer information included in the reserved mortgage application information, loan application information, automatic deposit information after approval, and customer wireless terminal information. After including at least one or more information by a watermarking method, it is preferable to process the image file including the image content including the watermarking as a reservation collateral loan application electronic document for automatic deposit processing.

According to another exemplary embodiment of the present invention, the server may include document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the received reservation security loan application information. A predetermined document file (eg, a Portable Document Format (PDF) file, or EDI) that includes an image content generated by capturing the document content (eg, image content generated by capturing the document content on a memory). (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), and the like, the reservation secured loan application electronic document for the automatic deposit processing of the secured loan It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the received reservation security loan application information, and captures the document content. Captured image contents (e.g., image contents generated by capturing the document contents on a memory) among customer information included in the reserved mortgage application information, loan application information, automatic deposit information after approval, and customer wireless terminal information. Generate image content including at least one or more information in a watermarking manner, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing the watermarking image content. ) File, or a word processor file including at least one, such as HWP / DOC, or MHT By generating a web document file, etc.), it is preferable to process the secured loan application electronic document for the automatic deposit processing.

According to another exemplary embodiment of the present invention, the server may include at least one document information including customer information, loan application information, automatic payment information after approval, and customer wireless terminal information included in the received reservation security loan application information. A predetermined document file (e.g., PDF (e.g., image content generated by capturing the document content on a memory) and the reserved mortgage request information; A portable document format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is advisable to process a secured electronic loan application for a reservation.

Alternatively, the server generates document content including at least one of customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the received reservation security loan application information, and captures the document content. Captured image contents (e.g., image contents generated by capturing the document contents on a memory) among customer information included in the reserved mortgage application information, loan application information, automatic deposit information after approval, and customer wireless terminal information. A document file (eg, a Portable Document Format (PDF) file) generating image content including at least one or more information by a watermarking method, and including the watermarking image content and the reserved mortgage request information. Word, including at least one or more Electronic Data Interchange (EDI) files, HWP / DOC, etc. By creating a processor files, or web files such as documents) that includes the MHT, it is preferable that the mortgage process mortgage applications scheduled to electronic documents for the auto loan payment processing.

Those skilled in the art to which the present invention pertains include the technical features of the server generating a reservation mortgage request electronic document in an image file format and / or a predetermined document file format, and the reservation mortgage request electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the created secured loan application electronic document in a predetermined electronic document storage (1655c).

As shown in FIG. 11, the electronic document repository includes a predetermined electronic document server 1150 and an electronic document D / B 1170 linked with a server on the loan processing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated secured mortgage request electronic document to the electronic document server 1150 through the communication means to store in the electronic document D / B (1170).

Alternatively, when the electronic document storage is provided on a DBMS provided in the loan processing system, the server corresponds to the generated electronic document storage on the DBMS provided in the loan processing system. It is possible to store in the electronic document D / B 1170, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the reservation secured loan application electronic document in the electronic document storage is shown in FIG. 11 by linking the generated reservation secured loan application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (1170).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the reservation secured loan application electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the reservation secured loan application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the reservation security loan application information and / or financial institution information transmitting the reservation security loan application electronic document). , And / or electronic document file format information, and / or the above-mentioned reservation security loan application information, etc.).

If the reservation mortgage loan application electronic document is stored in the electronic document repository (1660c), the server includes the customer information, loan application information, automatic deposit information after approval, and customer wireless terminal information included in the reservation mortgage loan application information. And store the information in a predetermined storage medium 1305 in a predetermined storage medium 1305 (1665c), and the predetermined reservation security loan application history information (for example, the details of storing the reservation security loan application electronic document in the electronic document repository, and / or the The history of storing the reserved mortgage request information on the storage medium 1305) is generated (or extracted) and transmitted to the terminal (1670c).

According to one embodiment of the invention, the storage medium 1305 is preferably provided in a DBMS on the financial system 1200 provided on the loan processing system (or associated with the loan processing system). The storage medium 1305 may be a ledger D / B 1300 provided in a DBMS on the financial system 1200, and / or a predetermined database associated with the ledger D / B 1300. The present invention is not limited.

According to another method of the present invention, the storage medium 1305 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Fig. 17 shows a preferred configuration of the automatic deposit processing and notification system for notifying the customer after the loan approval and the customer according to the implementation method of the present invention.

In more detail, Figure 17 is based on a reservation collateral loan application information that includes at least one or more information provided by a predetermined employee customer information, loan application information, automatic payment information after approval, customer wireless terminal (1740) information When the loan is applied for a predetermined loan amount for a predetermined period of time, and the loan approval information corresponding to the result of the examination is provided to the predetermined automatic deposit processing server 1700 through the predetermined employee terminal 1725, the automatic deposit is made. The processing server 1700 agrees to the terms of the automatic deposit information (for example, the loan deposit account number and the loan amount after the approval of the customer linked to the loan approval information in the storage medium 1145 to automatically deposit the loan payment account). Information or customer application information, etc.), and if the payment includes automatic deposit approval information after approval, the loan application information is linked to the financial system. Performing a loan approval procedure, automatically depositing a loan in the loan application customer's account or a new account for the loan, and confirming the customer wireless terminal 1740 information associated with the loan approval information in the storage medium 1145; 3 shows a preferred overall diagram of a system for notifying a customer through a guide means including at least one or more ARS services through an SMS or ARS server 1735 in connection with loan payment information in connection with a predetermined wireless server 1730. Those skilled in the art will be able to infer various implementation methods of the automatic deposit processing and notification system by referring to and modifying the drawing 17, but the present invention is not limited to the drawing 17 but is inferred It includes all implementation methods.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is finance of the financial institution) At least one member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system associated with the loan processing system corresponding to the customer by joining as a transaction customer It is preferable to make it.

In addition, the loan application information, loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) ) At least one or more.

In addition, the reservation deposit information after the approval is based on the reservation mortgage application information provided by the customer to examine the loan application amount, and if the loan application is approved in response to the examination result to the account of the loan application customer As information for transferring a loan, it is preferable to include at least one or more loan application customer account number, the automatic deposit payment approval information, etc., to which the customer's loan is deposited.

In addition, the customer wireless terminal (1740) information is based on the reservation secured loan application information provided by the customer examines the loan application amount, and in response to the examination result, the loan approval is determined and the loan is loaned When the deposit is made to the customer's account, it is preferable that the deposit result includes a wireless terminal 1740 for transmitting an SMS text message or ARS voice announcement to the customer wireless terminal 1740 associated with the loan deposit account. Based on the reservation mortgage application information provided by the customer, the loan application amount is examined and the loan approval is determined in response to the examination result, and when the loan is deposited into the account of the loan application customer, the deposit result is returned. Add customer wired terminal information including wired terminal number for transmitting ARS voice announcement to customer wired terminal associated with deposit account. You can also add

In addition, the customer wireless terminal 1740 information is based on the reservation mortgage loan application information provided by the customer to examine the loan application amount, and in response to the examination result, the loan approval is determined and the loan is loaned When the deposit is made to the customer's account, it is preferable that the deposit result includes a wireless terminal 1740 for transmitting an SMS text message or ARS voice announcement to the customer wireless terminal 1740 associated with the loan deposit account. Based on the reservation mortgage application information provided by the customer, the loan application amount is examined and the loan approval is determined in response to the examination result, and when the loan is deposited into the account of the loan application customer, the deposit result is returned. Add customer wired terminal information including wired terminal number for transmitting ARS voice announcement to customer wired terminal associated with deposit account. You can also add

According to another exemplary embodiment of the present invention, the customer wireless terminal 1740 information includes at least a portable Internet terminal, a high speed downlink packet access (HSDPA) or a wireless broadband (WBRO) based wireless terminal 1740 used by the customer. In a wireless data communication based terminal including one or more, it is preferable to include at least one or more messenger identification or e-mail address.

The deposit reservation date information may include date information (eg, xxxxxxxxxx) for depositing a loan into an account of a customer applying for a loan on a desired date after a loan approval decision.

In this case, the loan approval information may include at least one loan period, loan interest rate, loan amount, and collateral information when the loan approval is determined in response to the result of the examination of the reservation mortgage application information provided by a predetermined customer. It is preferably provided to the loan approval unit (or loan approval means) 1705.

According to the implementation method of the present invention, the automatic deposit processing and notification system examines that the employee loans the loan application amount for a predetermined period of time based on the reservation security loan application information provided by the customer, and responds to the examination result. Receiving loan approval information from the employee terminal 1725 and the employee terminal 1725 providing the loan approval information to the automatic deposit processing server 1700, in connection with the financial system, the loan application for the customer's account or loan Automatic deposit processing server (1700), automatic payment of the automatic deposit to the new account, and transmits the information about the automatic payment of the loan to the customer wireless terminal (1740) corresponding to the customer wireless terminal (1740) information stored in the storage medium (1145) The wireless server 1730 that transmits the information on the deposit to the customer wireless terminal 1740 via SMS text, voice announcements for information on automatic deposit of the loans. ARS server (1735) for transmitting to the customer wireless terminal (1740), customer information, loan application information, customer wireless terminal (1740) information, and a storage medium (1145) for storing the automatic deposit information after approval It is done.

According to the implementation method of the present invention, the employee examines the loan application amount based on the reservation mortgage application information submitted by the customer, and checks the loan approval information corresponding to the examination result in the employee terminal 1725. In the automatic deposit processing server 1700 is preferably provided to the loan approval unit 1705.

According to an exemplary embodiment of the present invention, the automatic deposit processing server 1700 automatically deposits a loan in an account of a loan application customer or a new account for a loan, and wirelessly deposits the loan automatic deposit information of a customer linked to a loan deposit account. It is preferable to transmit the SMS text message to the wireless terminal 1740 of the customer from the wireless server 1730 to the terminal 1740.

According to another exemplary embodiment of the present invention, the automatic deposit processing server 1700 automatically deposits a loan in an account of a loan application customer or a new account for a loan, and the loan automatic deposit information of a customer linked to a loan deposit account. Preferably, the ARS server 1735 transmits voice announcements to the wireless terminal 1740 of the customer through the wireless terminal 1740.

According to an embodiment of the present invention, a reservation security loan including at least one of customer information, loan application information, customer wireless terminal 1740 information, reservation deposit information after approval, and deposit reservation date and time information generated during the loan examination and approval process Preferably, the application information is stored in the storage medium 1145.

Referring to FIG. 17, the automatic deposit processing server 1700 receives the loan approval information from the employee terminal 1725 and performs a loan approval procedure corresponding to the loan application information in connection with the financial system. 1705 and the loan approval information received from the loan approval unit 1705, and approved by the storage medium 1145, and the customer approval for the automatic deposit of the loan amount to the account of the loan requesting customer through the automatic deposit information. When the customer approval for confirming the information confirmation unit 1715 and the automatic deposit of the loan amount into the account of the loan application customer is confirmed, the loan management account of the financial institution (for example, the loan amount is Automatic deposit processing unit (or automatic deposit destination) that withdraws the loan from an account in the name of a deposited financial institution and automatically deposits it into the account of the loan application customer. And a wireless terminal corresponding to the customer wireless terminal 1740 information stored in the storage medium 1145 when the loan is automatically deposited into the account of the loan application customer. And an information transmitter 1720 for transmitting to 1740.

After the employee examines the loan of the loan application amount to the customer through the reservation mortgage application information for a predetermined loan examination period, the employee terminal 1725 reads the loan approval information for the loan application amount. When provided to the automatic deposit processing server 1700, the loan approval unit 1705 performs a loan approval procedure corresponding to the loan application information in connection with the financial system, and the loan approval information information confirmation unit (or information confirmation) Means (1715).

The information checking unit 1715 receives the loan approval information from the loan approval unit 1705 and checks the automatic deposit information after the approval stored in association with the loan application information (or customer information) from the storage medium 1145. And, if it is confirmed that the customer approved the automatic deposit after approval, it is preferable to provide the automatic deposit information to the automatic deposit processing unit 1710 after approval.

In addition, if the automatic deposit processing unit 1710 is confirmed after the automatic deposit information is confirmed by the information confirming unit 1715, in connection with the financial system, the loan management account of the financial institution (for example, the financing of the loan amount deposited) It is preferable to have a function of withdrawing the loan from the name of the institution) and automatically depositing the loan in the account of the loan application customer or a new account for the loan.

When the automatic deposit processing unit 1710 automatically transfers the loan to the account of the loan application customer in connection with the financial system 1200, the information transmitting unit (or information transmitting means) 1720 is the storage medium 1145. Characterized in that the transmission to the wireless terminal 1740 corresponding to the information stored in the customer wireless terminal 1740.

According to an exemplary embodiment of the present invention, the information transmitter 1720 transmits the automatic deposit history information on the loan corresponding to the information that the loan is automatically deposited into the account of the customer applying for loan to the customer wireless terminal 1740. In order to transmit the SMS text message to the customer wireless terminal 1740 through the wireless server 1730.

According to another exemplary embodiment of the present invention, the information transmitting unit 1720 is configured to automatically send the details of the automatic deposit details of the loan corresponding to the information that the loan is automatically deposited into the account of the customer applying for loan to the customer wireless terminal 1740. It is preferable to transmit the ARS voice announcement to the customer wireless terminal 1740 through the ARS server 1735 for transmission.

18A and 18B illustrate a preferred flowchart of a reservation loan and a loan deposit system that notifies the customer after the loan is approved and the automatic deposit processing according to one embodiment of the present invention.

In more detail, in FIG. 18, when the predetermined automatic deposit processing server 1700 receives the loan approval information from the predetermined employee terminal 1725, the predetermined payment process 1700 performs a loan approval procedure corresponding to the loan approval information in connection with the financial system. After confirming the automatic deposit information associated with the loan approval information in the storage medium 1145, the automatic deposit information (for example, the loan deposit account number and the loan amount after approval is automatically deposited into the loan deposit account after the loan examination period has elapsed). And the agreement agreement information or customer application information), the process of automatically depositing the loan in the account of the loan application customer or a new account for the loan in connection with the financial system. After the automatic deposit of the loan, the loan is automatically transferred through the wireless server 1730 to transmit the information automatically deposited to the account of the customer applying for the loan. Send SMS messages to customers mobile station (1740).

Figure 18b is the automatic deposit processing server 1700 in connection with the financial system and the automatic payment of the loan to the account of the loan application customer or a new account for the loan after the automatic payment of the loan information to the account of the loan application customer to transfer In order to transmit the ARS voice announcement via the ARS server 1735 to the customer wireless terminal (1740).

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods of the reservation loan confirmation and loan deposit system by referring to and modifying this drawing 10. However, the present invention is not limited to this drawing 18. Includes all implementation methods.

Herein, the loan approval information may be determined based on the reservation security loan application information submitted by the customer, and if the loan approval is determined in response to the result of the examination of the loan application information, the loan period, loan interest rate, loan It is preferable to include at least one or more amounts, collateral information.

In the following Figures 18A and 18B, the automatic deposit processing server 1700 shown in Figure 9 is referred to as "server" for convenience, and the employee terminal 1725 shown in Figure 9 is referred to as "terminal".

According to one embodiment of the present invention, referring to Figure 18a, the employee examines the loan of the loan application amount for a predetermined period of time based on the reservation mortgage application information provided by the customer, and responds to the examination result. After the loan is approved, the terminal provides loan approval information (eg, loan period, loan interest rate, loan amount, collateral information, etc.) written by the customer to the server (1800a).

The server receives the loan approval information, checks the automatic deposit information after the approval from the storage medium 1145, and after the automatic payment information (for example, the loan application customer account number and the loan amount after approval to the loan application customer account) If the agreement agreement information or customer application information, etc. for the automatic deposit is included, the automatic deposit information after approval is provided to the automatic deposit processing unit 1710 (1805a).

When the server confirms the automatic deposit information after approval (for example, account number, terms of use information or selection information that agrees to the automatic deposit after approval), the server connects the loan with the financial system to the account or loan of the customer who applied for the loan. Automatic deposit to new account (1810a).

The server automatically deposits the loan to the account of the loan application customer (1810a), and checks whether the automatic loan payment is properly made (1815a).

If the automatic payment of the loan is not confirmed in the server (1820a), the automatic payment of the loan is confirmed in connection with the financial system (1815a).

If the automatic payment of the loan is confirmed (1820a), in order to notify the customer of the automatic payment information of the loan, the information of the customer wireless terminal 1740 associated with the account information of the automatic payment of the loan is checked from the storage medium 1145 ( 1825a).

The server transmits the loan automatic deposit information to the wireless server 1730 to transmit the loan automatic deposit information to the wireless server 1740 in association with the wireless server 1730 (1830a).

The wireless server 1730 receives the automatic loan payment information from the server (1835a).

The wireless server 1730 transmits the loan payment information of the customer received from the server to the wireless terminal 1740 of the customer in an SMS text (1840a).

The wireless terminal 1740 of the customer receives the SMS text from the wireless server 1730, and outputs the SMS through a predetermined output device provided in the wireless terminal 1740 of the customer (1845a).

According to another exemplary embodiment of the present invention, referring to FIG. 18B, the employee examines the loan of the loan application amount for a predetermined period of time based on the reservation security loan application information provided by the customer, and responds to the examination result. After the loan is approved, the terminal provides loan approval information (eg, loan period, loan interest rate, loan amount, collateral information, etc.) written by the customer to the server (1800b).

The server receives the loan approval information, checks the automatic deposit information after the approval from the storage medium 1145, and after the automatic payment information (for example, the loan application customer account number and the loan amount after approval to the loan application customer account) If the agreement agreement information or customer application information for the automatic deposit, etc. is included, the automatic deposit information after the approval is provided to the automatic deposit processing unit 1710 (1805b).

When the server confirms the automatic deposit information after approval (for example, account number, terms of use information or selection information that agrees to the automatic deposit after approval), the server connects the loan with the financial system to the account or loan of the customer who applied for the loan. Automatic deposit to new account (1810b).

The server automatically deposits the loan to the account of the loan application customer (1810b), and checks whether the loan automatic deposit is properly made (1815b).

If the automatic payment of the loan is not confirmed in the server (1820b), the automatic payment of the loan is confirmed in connection with the financial system (1815b).

If the automatic payment of the loan is confirmed (1820b), in order to notify the customer of the automatic payment of the loan, the information of the customer wireless terminal 1740 associated with the account information of the automatic payment of the loan from the storage medium 1145 is checked ( 1825b).

The server transmits the automatic loan payment information to the ARS server 1735 in order to transmit the automatic loan payment information to the ARS server 1735 to the customer wireless terminal 1740 (1830b).

The ARS server 1735 receives the automatic loan payment information from the server (1835b).

The ARS server 1735 transmits the loan automatic payment information of the customer received from the server to the wireless terminal 1740 of the customer in an ARS voice announcement (1840b).

The customer's wireless terminal 1740 receives the voice announcement from the ARS server 1735 and outputs the voice announcement through a predetermined output device provided in the customer's wireless terminal 1740 (1845b). .

19 is a diagram illustrating a face-to-face loan processing system for automatic reservation loan deposit processing according to an embodiment of the present invention.

In more detail, Figure 19 shows a predetermined customer automatic reservation loan application including at least one or more customer information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information for automatic reservation loan payment processing When the form is submitted and submitted, the predetermined window terminal acquires the predetermined image content corresponding to the automatic reservation loan application through a predetermined image acquisition device, and the automatic reservation loan application to the loan processing system through a predetermined information registration interface. When the automatic reservation loan application information corresponding to the and the image content obtained from the automatic reservation loan application is provided, a predetermined automatic reservation loan application electronic document including the image content is generated and stored in a predetermined electronic document repository, The customer information included in the automatic reservation loan application information, It is a system configuration for storing loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information in a predetermined storage medium 1945, and in detail, the electronic document repository is a predetermined communication means. It is about the implementation method provided on the external system associated with the loan processing system through.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 19 to infer various implementation methods for the construction of a loan processing system for automatic reservation loan deposit processing. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 19 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the loan processing system. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 19, an automatic reservation loan application electronic document corresponding to the automatic reservation loan application is described as being generated on the server side on the loan processing system. It is by no means limited, the automatic reservation loan application electronic document may be generated on the terminal side obtained the image content corresponding to the automatic reservation loan application through a predetermined image acquisition device (for example, the electronic provided on the server side) The document generation function is provided on the terminal side to generate the automatic reservation loan application electronic document), whereby the present invention is not limited.

Hereinafter, the automatic reservation loan application information and image contents corresponding to the automatic reservation loan application created by the customer are provided through a predetermined information registration interface on the loan processing system shown in FIG. A component corresponding to at least one or more means and / or functional configurations that are generated and stored in a predetermined electronic document storage and the automatic reservation loan application information is stored in a predetermined storage medium 1945 may be referred to as a "loan processing server 1900." ) ".

Referring to this drawing 19 according to the embodiment of the present invention, the loan processing system for the automatic reservation loan deposit processing, loan application terminal including a teller terminal provided in at least one branch (or branch) of the financial institution (1975) The loan application terminal 1975 is connected to the loan processing server 1900 provided on the loan processing system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch (office) for the automatic reservation loan deposit processing, and through a window (or a teller) provided at the financial institution branch (business). A preliminary automatic reservation loan application (e.g., a document with a form for filling in at least one information item for the automatic reservation loan deposit processing) is prepared, wherein the customer It is preferable to seal the seal of the customer for the legal basis for the automatic reservation loan application.

Subsequently, when the customer submits the completed automatic reservation loan application to the teller, the teller scans the automatic reservation loan application through a predetermined image acquisition device to obtain predetermined image content and then executes a predetermined teller terminal. At least one or more image contents obtained in response to the automatic reservation loan application, customer information written on the automatic reservation loan application, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information. Input (or select) the automatic reservation loan application information, and correspondingly, the counter terminal sends the image content and the automatic reservation loan application information to the loan processing server 1900 provided on the loan processing system through the financial network. It is desirable to transmit.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the loan processing server 1900 connected to the window terminal is provided on the predetermined financial system It is preferable to include a server (for example, a ledger server, etc.), and the financial network connecting the teller terminal and the loan processing server 1900 connects the communication channel between the teller terminal and the loan processing server 1900. It is preferable to comprise a network.

In the loan processing system as described above, an image acquisition device for acquiring image contents corresponding to an automatic reservation loan application prepared by the customer, a window terminal used by the employee, the window terminal, and the loan processing server 1900; The connecting financial network performs a function of an information registration interface for the customer to register automatic reservation loan application information for the automatic reservation loan deposit processing.

The storage medium 1945 provided on the loan processing system according to the present invention includes the customer information, loan application information, and reservation deposit information after approval included in the automatic reservation loan application information provided from the loan application terminal 1975. In addition, the deposit reservation date information, and the customer wireless terminal information is characterized in that it is stored in a predetermined storage medium 1945.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (eg, the customer is finance of the financial institution) At least one member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system associated with the loan processing system corresponding to the customer by joining as a transaction customer It is preferable to make it.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

In addition, the reservation deposit information after the approval is determined to loan the loan application amount based on the reservation security loan application prepared by the customer visiting a predetermined financial institution, and if the loan application is approved in response to the examination result, the loan application As information for transferring the loan to the customer's account, it is preferable to include at least one or more loan application customer account number, the reservation deposit approval information after approval, etc., in which the customer's loan is deposited.

According to the implementation method of the present invention, the reservation deposit information after the approval is preferred to exclude the loan examination period and non-working days, but in the case of credit loans that do not require a loan examination period includes depositing the loan immediately to the customer account after the loan application It is desirable to.

In addition, the customer wireless terminal information is determined to loan the loan application amount based on the automatic reservation loan application prepared by the customer, and in response to the examination result, the loan approval is determined and the loan is transferred to the account of the loan application customer. When the deposit is made, the deposit result may include a wireless terminal number for transmitting an SMS text message or ARS voice guidance men to the client wireless terminal associated with the loan payment account, and based on the automatic reservation loan application prepared by the customer. If the loan approval is determined and the loan is deposited into the account of the loan application customer, the result of the deposit is sent to the customer wired terminal linked with the loan payment account. Customer wired terminal information including a wired terminal number for transmitting a comment may be further added.

According to an exemplary embodiment of the present invention, the customer wireless terminal information includes at least one or more of a portable Internet terminal used by the customer, a high speed downlink packet access (HSDPA) or a wireless broadband based wireless terminal. It is preferable to include at least one or more messenger ID or e-mail address in the terminal.

Also, the deposit reservation date information may include date information (eg, xxxxxxxxxxxx) for depositing a loan into the account of the customer applying for the loan on a desired date after the loan approval decision.

According to one embodiment of the invention, the storage medium 1945 is preferably provided in a DBMS on a financial system provided on the loan processing system (or associated with the loan processing system), wherein the storage medium 1945 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 1945 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The loan processing server 1900 provided on the loan processing system according to the present invention is a generic term for the loan processing system side components connected to the loan application terminal 1975 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the loan application terminal 1975 is a window terminal connected to a predetermined financial network, the loan processing server 1900 is located on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server provided in and / or a server (or device) provided in the external world on the financial system, and / or a program provided in the external world on the financial system, whereby the present invention is limited Not.

According to an embodiment of the present invention, the loan processing server 1900 includes an interface unit (or interface means) 1905 for connecting and managing a predetermined communication channel with the loan application terminal 1975 through the financial network. Characterized in that made.

According to an embodiment of the present invention, when the loan application terminal 1975 is a window terminal connected to a predetermined financial network, the interface unit 1905 selects the window terminal and the predetermined window based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction related program provided in the window terminal.

Referring to FIG. 19, when the loan application terminal 1975 connects a predetermined communication channel with the loan processing server 1900 through the interface unit 1905, the loan processing server 1900 is automatically connected. Obtain an image content corresponding to the automatic reservation loan application created by the customer through a predetermined image acquisition device provided in the loan application terminal 1975 for a reservation loan deposit processing, and automatically make a reservation corresponding to the automatic reservation loan application. Generate (or extract) at least one user interface for inputting (or selecting) loan application information and transmitting the loan application information to the loan processing server 1900, and generating (or extracting) in connection with the interface unit 1905. Interface providing unit (or interface providing means) 1910 for providing the user interface to the loan application terminal 1975, and the loan application terminal 197 5) when the user inputs (or selects) the automatic reservation loan application information corresponding to the automatic reservation loan application through the user interface, and transmits the information from the loan application terminal 1975 in connection with the interface unit 1905. An automatic reservation loan made by the customer through an information receiving unit (or information receiving means) 1915 for receiving the automatic reservation loan application information and a predetermined image acquisition device based on the user interface in the loan application terminal 1975. When the image content corresponding to the application is obtained and transmitted, it is provided with an image receiving unit (or image receiving means) 1920 to receive the image content corresponding to the automatic reservation loan application in association with the interface unit 1905. It features.

The interface providing unit 1910 connects the loan processing server 1900 with the loan processing server 1900 through the interface unit 1905 and then connects a predetermined communication channel to the loan processing server 1900. When requesting a user interface for the automatic reservation loan payment processing, through the predetermined image acquisition device provided in the loan application terminal 1975 to obtain the image content corresponding to the automatic reservation loan application created by the customer, the automatic reservation Generate at least one user interface for inputting (or selecting) the automatic reservation loan application information corresponding to the loan application and transmitting it to the loan processing server 1900 through the financial network; (Not shown) and the generated (or extracted) user interface in conjunction with the interface unit 1905 to the financial unit. A characterized in that provided in the loan application station (1975) through the.

According to another embodiment of the present invention, the loan application terminal 1975 acquires image contents corresponding to the automatic reservation loan application written by the customer through a predetermined image acquisition device, and automatically makes a reservation corresponding to the automatic reservation loan application. When a predetermined information registration program having at least one user interface for inputting (or selecting) loan application information and transmitting the loan application information to the loan processing server 1900 is provided, the predetermined image as described above is provided. Obtain an image content corresponding to the automatic reservation loan application written by the customer through an acquisition device, input (or select) automatic reservation loan application information corresponding to the automatic reservation loan application, and transmit the same to the loan processing server 1900. Generate (or extract) a user interface to the loan application terminal 1975 Interface providing unit 1910 may be omitted for the mubang, and to which the present invention is not limited.

Thereafter, the loan application terminal 1975 provides automatic reservation loan application information including at least one of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information through the user interface. And input (or select) and transmit the input (or select) the automatic reservation loan application information to the loan processing server 1900 through the financial network. In response thereto, the information receiving unit 1915 is the interface unit ( It is characterized in that for receiving the automatic reservation loan application information transmitted from the loan application terminal 1975 in connection with 1905.

In addition, the loan application terminal 1975 obtains the image content corresponding to the automatic reservation loan application created by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content to the financial network; The image receiving unit 1920 is connected to the interface unit 1905 to receive the image contents corresponding to the automatic reservation loan application in response to the loan processing server 1900.

According to another embodiment of the present invention, the loan application terminal 1975 acquires image content corresponding to the automatic reservation loan application created by the customer through a predetermined image acquisition device and is provided to the loan application terminal 1975. In the case of pre-stored in a predetermined storage device (or associated), the loan application terminal 1975 is applied to the automatic reservation loan application created by the customer of the at least one or more image content previously stored in the storage device through the user interface A corresponding image content is selected and transmitted to the loan processing server 1900 through the financial network. In response, the image receiving unit 1920 corresponds to the automatic reservation loan application in association with the interface unit 1905. It is desirable to receive the image content.

According to another embodiment of the present invention, the loan application terminal 1975 through the user interface image content corresponding to the automatic reservation loan application created by the customer and the automatic reservation loan application information corresponding to the automatic reservation loan application When transmitting together, the information receiving unit 1915 may be connected with the interface unit 1905 to receive image content corresponding to the automatic reservation loan application and automatic reservation loan application information together (eg, the image receiving unit). (1920) is integrated into the information receiving unit (1915) to operate, thereby the present invention is not limited.

Referring to FIG. 19, when the loan processing server 1900 receives the automatic reservation loan application information transmitted from the loan application terminal 1975 through the information receiving unit 1915, the received automatic reservation loan application information is received. Is characterized in that it comprises a validity verification unit (or validity verification means) 1925 to confirm whether the validity for the automatic reservation loan payment processing.

According to the embodiment of the present invention, the validity of the automatic reservation loan application information is registered at least one or more ledger information matching the automatic reservation loan application information in the ledger D / B on the financial system associated with the loan processing system It is preferable to include checking whether it is done.

For example, the validity confirming unit 1925 may include, among the information included in the automatic reservation loan application information, the customer information (customer information, member information, etc.) of the ledger D / B on the financial system associated with the loan processing system. It is preferably made to include matching with the customer ledger stored in.

In addition, the validation of the automatic reservation loan application information includes checking at least one of information included in the automatic reservation loan application information, whether the deposit reservation date and time information is a date or a holiday before a current period or a holiday date. It is preferable to make it.

Referring to FIG. 19, the loan processing server 1900 receives the image content transmitted from the loan application terminal 1975 through the image receiving unit 1920, and automatically receives the image content through the validity checking unit 1925. When the validity of the reservation loan application information is authenticated, an electronic document generation unit (or electronic document generation means) 1930 for generating a predetermined automatic reservation loan application electronic document including the received image content, and the generated automatic And an electronic document transmission unit (or electronic document transmission means) 1935 for transmitting the reservation loan application electronic document to the electronic document storage associated with the loan processing system.

The electronic document generation unit 1930 generates an automatic reservation loan application electronic document including the image content received from the loan application terminal 1975 through the image receiving unit 1920.

According to an embodiment of the present invention, the electronic document generation unit 1930 is the automatic reservation loan as it is an image file including the image content received from the loan application terminal 1975 through the image receiving unit 1920 It is preferable to process the electronic reservation loan application for deposit processing.

Alternatively, the electronic document generation unit 1930 is included in the automatic reservation loan application information received through the information receiving unit 1915 in the image content received from the loan application terminal 1975 through the image receiving unit 1920. The automatic reservation loan for the image file corresponding to the image content including at least one or more information of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information in a watermarking method (Watermarking) It is desirable to create an automatic reservation loan application electronic document for deposit processing.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1930 is a predetermined document file including the image content received from the loan application terminal 1975 via the image receiving unit 1920 (eg, Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT; It is desirable to create an automatic reservation loan application electronic document for deposit processing.

Alternatively, the electronic document generation unit 1930 is included in the automatic reservation loan application information received through the information receiving unit 1915 in the image content received from the loan application terminal 1975 through the image receiving unit 1920. Generate an image content including at least one or more information of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information by a watermarking method, and the generated image content A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a), it is preferable to generate an automatic reservation loan application electronic document for the automatic reservation loan deposit processing.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1930 is configured to access the image content and the information receiving unit 1915 received from the loan application terminal 1975 through the image receiving unit 1920. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) containing at least one document file including the automatic reservation loan application information received through Or a web document file including MHT), it is preferable to generate an automatic reservation loan application electronic document for the automatic reservation loan deposit processing.

Alternatively, the electronic document generation unit 1930 is included in the automatic reservation loan application information received through the information receiving unit 1915 in the image content received from the loan application terminal 1975 through the image receiving unit 1920. Generate image content including at least one or more of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information by a watermarking method, and the generated image content A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the automatic reservation loan application information, or an MHT. By generating a web document file, including), generating an automatic reservation loan application electronic document for the automatic reservation loan payment processing It is desirable to.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 1930 is a technical feature of generating an automatic reservation loan application electronic document of the image file format and / or a predetermined document file format, Since the technical features of the file format for the image file and / or document file corresponding to the automatic reservation loan application electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 1935 transmits and stores the automatic reservation loan application electronic document generated by the electronic document generating unit 1930 to a predetermined electronic document repository associated with the loan processing system. .

As shown in FIG. 19, the electronic document repository is connected to the loan processing server 1900 on the loan processing system through a predetermined communication means and the electronic document server 1950 and the electronic document D / B 1970. When provided to the outside, the electronic document transmission unit 1935 is the electronic document server 1950 generated by the electronic document generation unit 1930 through the communication means the electronic document server 1950 It characterized in that the transmission to.

Here, when the electronic document server 1950 and the electronic document D / B 1970 are provided outside the loan processing system, the electronic document server 1950 and the electronic document D / B 1970 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the loan processing system, the electronic document transmitting unit 1935 is automatically generated by the electronic document generating unit 1930. It is possible to store the reservation loan application electronic document in the electronic document D / B 1970 corresponding to the electronic document storage on the DBMS provided in the loan processing system, by which the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 1935 may include electronic document related information (for example, automatic reservation corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 1950. The customer information on which the loan application was made, and / or financial institution information for transmitting the automatic reservation loan application electronic document, and / or electronic document file format information, and / or the automatic reservation loan application information, etc.). It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 19, the loan processing server 1900 may verify that the automatic reservation loan application information received through the information receiving unit 1915 is valid for the automatic reservation loan deposit processing through the validity checking unit 1925. If necessary, the customer information, loan application information, after the approval reservation deposit information, deposit reservation date information, customer wireless terminal information included in the authorized automatic reservation loan application information is linked to a predetermined storage medium (1945) And an information storage unit (or information storage means) 1940 for storing.

When the validity of the automatic reservation loan application information is confirmed by the validity confirmation unit 1925, the information storage unit 1940 may include customer information included in the automatic reservation loan application information, loan application information, and reservation deposit after approval. Information, a deposit reservation date information, and a customer wireless terminal information are linked and stored in the storage medium 1945, and the storage medium 1945 is provided in the loan processing server 1900 or the loan processing. When provided on the network associated with the server 1900, the information storage unit 1940 is the customer information included in the received automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date and time information Preferably, the client wireless terminal information is linked and stored in the storage medium 1945. When the storage medium 1945 is provided in a DBMS provided on a financial system, The storage unit 1940 stores the customer information included in the received automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information through the external system on the financial system. It is desirable to provide a system and store it in a DBMS provided on the financial system.

Referring to FIG. 19, an electronic document that receives a predetermined automatic reservation loan application electronic document from the loan processing server 1900 provided on the loan processing system and stores and manages the electronic document in a predetermined electronic document D / B 1970 The server 1950 may include an electronic document receiving unit 1955 for receiving a predetermined automatic reservation loan application electronic document from the loan processing server 1900 through a predetermined communication means, and the received automatic reservation loan application electronic document. An information generation unit 1960 for generating predetermined electronic document management information for storage and management in the electronic document D / B 1970, and the electronic document management information and the automatic reservation loan application electronic document are processed in a predetermined manner. And an electronic document storage unit 1965 for storing in the electronic document D / B 1970.

The electronic document receiving unit 1955 may receive an automatic reservation loan application electronic document in the form of an image file and / or a document file from the loan processing server 1900 through the communication means.

According to an exemplary embodiment of the present invention, the automatic reservation loan application electronic document received by the electronic document receiver 1955 through the communication means is an image received by the loan processing server 1900 from the loan application terminal 1975. It is preferable that the image file including the content is included as it is.

Alternatively, the automatic reservation loan application electronic document received by the electronic document receiver 1955 through the communication means may be automatically reserved for the image content received by the loan processing server 1900 from the loan application terminal 1975. An image file corresponding to an image content including watermarking method of at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information included in the application information is included. It is preferable to comprise.

According to another exemplary embodiment of the present invention, the automatic reservation loan application electronic document received by the electronic document receiving unit 1955 through the communication means is received by the loan processing server 1900 from the loan application terminal 1975. Any document file containing image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including MHT) Document files).

Alternatively, the automatic reservation loan application electronic document received by the electronic document receiving unit 1955 through the communication means is the automatic reservation loan application to the image contents received by the loan processing server 1900 from the loan application terminal 1975. Predetermined document file including image contents including at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date and time information, and customer wireless terminal information included in the information by watermarking method. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). desirable.

According to another embodiment of the present invention, the automatic reservation loan application electronic document received by the electronic document receiving unit 1955 through the communication means is the loan processing server 1900 from the loan application terminal 1975 A word including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the received image content and the automatic reservation loan application information. Processor file, or a web document file including MHT).

Alternatively, the automatic reservation loan application electronic document received by the electronic document receiving unit 1955 through the communication means is the automatic reservation loan application to the image contents received by the loan processing server 1900 from the loan application terminal 1975. Image contents and the automatic reservation loan application information including at least one or more of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information included in the information by watermarking method A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

The information generating unit 1960 uses a predetermined electronic document unique number (or unique information) to be assigned to the automatic reservation loan application electronic document received through the electronic document receiving unit 1955, and through the electronic document receiving unit 1955. And generating electronic document management information including electronic document storage date and time information including a date and time at which the automatic reservation loan application electronic document was received (or a date and time at which the automatic reservation loan application electronic document was stored). .

According to an exemplary embodiment of the present invention, the information generation unit 1960 refers to the loan processing server 1900 which has transmitted the automatic reservation loan application electronic document received through the electronic document receiving unit 1955, and automatically reserves the automatic reservation. It is preferable to identify the financial institution that has sent the loan application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the loan processing server 1900 through the electronic document receiving unit 1955, the information generating unit 1960 receives the received information. Electronic document-related information (e.g., customer information for creating an automatic reservation loan application corresponding to the image content, and / or financial institution information for transmitting the automatic reservation loan application electronic document, and / or electronic document file format information, and / Or electronic document management information further including the automatic reservation loan application information).

The electronic document storage unit 1965 associates an automatic reservation loan application electronic document received through the electronic document receiving unit 1955 with electronic document management information generated through the information generation unit 1960 to process a predetermined electronic document. The document D / B 1970 may be stored.

According to an exemplary embodiment of the present invention, the automatic reservation loan application electronic document stored in the electronic document D / B 1970 by the electronic document storage unit 1965 is the loan processing server 1900 by the loan application terminal ( It is preferable that the image file including the image content received from 1975 is included as it is.

Alternatively, the automatic reservation loan application electronic document stored in the electronic document D / B 1970 by the electronic document storage unit 1965 is the image received by the loan processing server 1900 from the loan application terminal 1975. Image contents including at least one or more information of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information included in the automatic reservation loan application information in a content by a watermarking method. It is preferable to include an image file corresponding to.

According to another exemplary embodiment of the present invention, the automatic reservation loan application electronic document stored in the electronic document D / B 1970 by the electronic document storage unit 1965 is the loan processing server 1900 by the loan application terminal. A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from 1975; Or a web document file including the MHT).

Alternatively, the automatic reservation loan application electronic document stored in the electronic document D / B 1970 by the electronic document storage unit 1965 may include image content received by the loan processing server 1900 from the loan application terminal 1975. Image contents including at least one or more of the customer information included in the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information in a watermarking method (watermarking) A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

According to another embodiment of the present invention, the automatic reservation loan application electronic document that the electronic document storage unit 1965 stores in the electronic document D / B (1970) the loan processing server 1900 the loan application At least a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content received from the terminal 1975 and the automatic reservation loan application information. And at least one word processor file or web document file including MHT).

Alternatively, the automatic reservation loan application electronic document stored in the electronic document D / B 1970 by the electronic document storage unit 1965 may include image content received by the loan processing server 1900 from the loan application terminal 1975. Image content including at least one or more of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information included in the automatic reservation loan application information in a watermarking manner; A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the automatic reservation loan application information, or an MHT. It is preferable that the web document file including a).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1970 by the electronic document storage unit 1965 in association with the automatic reservation loan request electronic document is stored in the automatic reservation loan. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1970 by the electronic document storage unit 1965 in association with the automatic reservation loan request electronic document is automatically reserved. Preferably, the information on the financial institution that has transmitted the automatic reservation loan application electronic document confirmed with reference to the loan processing server 1900 that has transmitted the loan application electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document-related information is further received from the loan processing server 1900, the electronic document storage unit 1965 performs a process of linking with the automatic reservation loan application electronic document. The electronic document management information stored in the electronic document D / B 1970 may include the received electronic document related information (for example, customer information for preparing an automatic reservation loan application corresponding to the image content, and / or the automatic reservation loan). Financial institution information for transmitting the application electronic document, and / or electronic document file format information, and / or the automatic reservation loan application information, etc.).

20 is a diagram showing the configuration of automatic reservation loan application information stored in the ledger D / B (2005) provided in the DBMS on the financial system 2000 in a face-to-face manner for automatic reservation loan deposit processing according to an embodiment of the present invention to be.

More specifically, in FIG. 20, when the storage medium 1945 illustrated in FIG. 19 is a ledger D / B 2005 provided in a DBMS on the financial system 2000, the ledger D / B 2005 is provided. The information structure of the method for performing the automatic reservation loan application information including the customer information, the loan application information, the reservation deposit information after the approval, the deposit reservation date information, and the customer wireless terminal information is stored in the ledger information. Those skilled in the art can infer various information construction methods for storing the automatic reservation loan application information in the ledger D / B (2005) by referring to and / or modifying the drawing 20. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 20 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 2005 provided in the DBMS on the financial system 2000 may include a predetermined customer ledger and an account associated with the customer ledger. Ledger (eg, ledger, loan ledger, etc.) and at least one information associated with the account ledger is shown to include, if the person of ordinary skill in the art to which the present invention belongs, the financial system (2000) Ledger D / B (2005) provided in the DBMS on the) includes at least one ledger (for example, loan ledger, mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and account ledger shown in Figure 20 It will be clearly understood that at least one additional information for maintenance and management is further included, and the specific technical matters for this will be understood. Is omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 20, the automatic reservation loan application information provided through the loan processing system shown in FIG. 19 is stored in the form of additional information added to the account ledger. The automatic reservation loan application information is stored in the customer information. , Loan application information, after the approval reservation deposit information, deposit reservation date information, customer wireless terminal information characterized in that it comprises at least one.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (eg, the customer is finance of the financial institution) By joining as a transaction customer, member ID information, CIF (Customer Information File), etc., provided in the customer book provided on the financial system 2000 associated with the loan processing system in response to the customer, It is preferable to comprise at least one or more.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

In addition, the reservation deposit information after the approval is determined to loan the loan application amount based on the reservation security loan application prepared by the customer visiting a predetermined financial institution, and if the loan application is approved in response to the examination result, the loan application As information for transferring the loan to the customer's account, it is preferable to include at least one or more loan application customer account number, the reservation deposit approval information after approval, etc., in which the customer's loan is deposited.

According to the implementation method of the present invention, the reservation deposit information after the approval is preferred to exclude the loan examination period and non-working days, but in the case of credit loans that do not require a loan examination period includes depositing the loan immediately to the customer account after the loan application It is desirable to.

In addition, the customer wireless terminal information is determined to loan the loan application amount based on the automatic reservation loan application prepared by the customer, and in response to the examination result, the loan approval is determined and the loan is transferred to the account of the loan application customer. When the deposit is made, the deposit result may include a wireless terminal number for transmitting an SMS text message or ARS voice announcement to the client wireless terminal associated with the loan deposit account, and based on the automatic reservation loan application prepared by the customer. When the loan approval is determined and the loan approval is determined and the loan is deposited into the account of the customer applying for the loan, the result of the deposit is sent to the customer wired terminal associated with the loan deposit account. Customer wired terminal information including a wired terminal number for transmitting the may be further added.

According to an exemplary embodiment of the present invention, the customer wireless terminal information includes at least one or more of a portable Internet terminal used by the customer, a high speed downlink packet access (HSDPA) or a wireless broadband based wireless terminal. It is preferable to include at least one or more messenger ID or e-mail address in the terminal.

Also, the deposit reservation date information may include date information (eg, xxxxxxxxxxxx) for depositing a loan into the account of the customer applying for the loan on a desired date after the loan approval decision.

According to another embodiment of the present invention, the automatic reservation loan application information is stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (eg, the customer ledger). It is possible to be stored in the form of additional information to be added and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

Figure 21 is an automatic reservation loan application information stored in the database associated with the ledger D / B (2100) provided in the DBMS on the financial system 2000 in a face-to-face for automatic reservation loan deposit processing according to another embodiment of the present invention It is a figure which shows a structure.

More specifically, FIG. 21 illustrates an embodiment in which the storage medium 2105 illustrated in FIG. 19 is stored in a predetermined database linked to the ledger D / B 2100 provided in the DBMS on the financial system 2000. As shown in FIG. 21, if the person skilled in the art of the present invention belongs to the present invention, the automatic reservation loan application information is written to a predetermined database by referring to and / or modifying the drawing 21. 2100 may be inferred from various information construction methods to be stored in association with the present invention, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

In particular, in FIG. 21, when the automatic reservation loan application information is not easily stored in the ledger information of the ledger D / B 2100 on the DBMS provided on the financial system 2000 (for example, a policy of a financial institution). When it is not easy to change the ledger D / B 2100 of the phase DBMS, or the system expansion is not easy due to the nature of the financial system 2000), the predetermined database may be used instead of the ledger D / B 2100. A method for storing automatic reservation loan application information and storing the automatic reservation loan application information in association with the database and the ledger D / B 2100 is shown.

In addition, the database shown in FIG. 21 does not have to be provided on a DBMS provided on the financial system 2000 as in the embodiment shown in FIG. 21, and a database on the Internet banking system according to the intention of a person skilled in the art, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 21, the database is characterized in that the customer information included in the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information is stored in a cooperative process Preferably, the automatic reservation loan application information further includes a CIF number corresponding to the ledger information in the automatic reservation loan application information in order to be processed in connection with the ledger D / B 2100.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (eg, the customer is finance of the financial institution) By registering as a transaction customer, at least member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 2000 associated with the loan processing system in correspondence with the customer is at least. It is preferable to include one or more.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

In addition, the reservation deposit information after the approval is determined to loan the loan application amount based on the reservation security loan application prepared by the customer visiting a predetermined financial institution, and if the loan application is approved in response to the examination result, the loan application As information for transferring the loan to the customer's account, it is preferable to include at least one or more loan application customer account number, the reservation deposit approval information after approval, etc., in which the customer's loan is deposited.

According to the implementation method of the present invention, it is preferable that the reservation deposit information after the approval excludes the loan examination period and non-working days, but in the case of credit loans that do not require a loan examination period, it is preferable to deposit the loan to the customer account immediately after the loan application. It is preferable to include.

In addition, the customer wireless terminal information is determined to loan the loan application amount based on the automatic reservation loan application prepared by the customer, and in response to the examination result, the loan approval is determined and the loan is transferred to the account of the loan application customer. When the deposit is made, the deposit result may include a wireless terminal number for transmitting an SMS text message or ARS voice announcement to the client wireless terminal associated with the loan deposit account, and based on the automatic reservation loan application prepared by the customer. When the loan approval is determined and the loan approval is determined and the loan is deposited into the account of the customer applying for the loan, the result of the deposit is sent to the customer wired terminal associated with the loan deposit account. Customer wired terminal information including a wired terminal number for transmitting the may be further added.

According to an exemplary embodiment of the present invention, the customer wireless terminal information includes at least one or more of a portable Internet terminal used by the customer, a high speed downlink packet access (HSDPA) or a wireless broadband based wireless terminal. It is preferable to include at least one or more messenger ID or e-mail address in the terminal.

Also, the deposit reservation date information may include date information (eg, xxxxxxxxxxxx) for depositing a loan into the account of the customer applying for the loan on a desired date after the loan approval decision.

22 is a diagram showing the configuration of automatic reservation loan application information stored in the DBMS provided in the banking server 2200 in a face-to-face manner for automatic reservation loan payment processing according to another embodiment of the present invention.

More specifically, in Figure 22, the storage medium 2105 shown in Figure 19 is provided with a predetermined banking provided on an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment of the method provided in the DBMS provided in the server 2200, and those skilled in the art to which the present invention pertains, at least one banking server (see FIG. 2200 may be inferred from the information configuration method for the automatic reservation loan application information stored in a predetermined DBMS, but the present invention includes all the implementation methods inferred, the implementation method shown in Figure 22 It is not limited to only.

Referring to FIG. 22, a predetermined DBMS provided in the banking server 2200 includes customer information included in the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless. Characterized in that the terminal information is stored in association.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (eg, the customer is finance of the financial institution) By registering as a transaction customer, at least member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 2000 associated with the loan processing system in correspondence with the customer is at least. It is preferable to include one or more.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

In addition, the reservation deposit information after the approval is determined to loan the loan application amount based on the reservation security loan application prepared by the customer visiting a predetermined financial institution, and if the loan application is approved in response to the examination result, the loan application As information for transferring the loan to the customer's account, it is preferable to include at least one or more loan application customer account number, the reservation deposit approval information after approval, etc., in which the customer's loan is deposited.

According to the implementation method of the present invention, the reservation deposit information after the approval is preferred to exclude the loan examination period and non-working days, but in the case of credit loans that do not require a loan examination period includes depositing the loan immediately to the customer account after the loan application It is desirable to.

In addition, the customer wireless terminal information is determined to loan the loan application amount based on the automatic reservation loan application prepared by the customer, and in response to the examination result, the loan approval is determined and the loan is transferred to the account of the loan application customer. When the deposit is made, the deposit result may include a wireless terminal number for transmitting an SMS text message or ARS voice announcement to the client wireless terminal associated with the loan deposit account, and based on the automatic reservation loan application prepared by the customer. When the loan approval is determined and the loan approval is determined and the loan is deposited into the account of the customer applying for the loan, the result of the deposit is sent to the customer wired terminal associated with the loan deposit account. Customer wired terminal information including a wired terminal number for transmitting the may be further added.

According to an exemplary embodiment of the present invention, the customer wireless terminal information includes at least one or more of a portable Internet terminal used by the customer, a high speed downlink packet access (HSDPA) or a wireless broadband based wireless terminal. It is preferable to include at least one or more messenger ID or e-mail address in the terminal.

Also, the deposit reservation date information may include date information (eg, xxxxxxxxxxxx) for depositing a loan into the account of the customer applying for the loan on a desired date after the loan approval decision.

23A and 23B illustrate a process of registering automatic reservation loan application information in a face-to-face manner according to one embodiment of the present invention.

23A and 23B are detailed view of a window terminal in which a loan application terminal 1975 on a loan processing system illustrated in FIG. 19 is provided at a branch (or branch) of a financial institution, and the loan processing server 1900 is predetermined. In the case of having a ledger server (not shown) function on the financial system 2000 connected to the counter terminal through the financial network of the customer, a predetermined customer may receive customer information, loan application information, and approval for automatic reservation loan deposit processing. When a user prepares and submits an automatic reservation loan application including at least one of reservation deposit information, deposit reservation date information, and customer wireless terminal information, a predetermined counter corresponding to the automatic reservation loan application is provided through a predetermined image acquisition device at a predetermined window terminal. Image content of the user, and automatically corresponding to the automatic reservation loan application to the loan processing system through a predetermined information registration interface When the reservation loan application information and the image content obtained from the automatic reservation loan application are provided, a predetermined automatic reservation loan application electronic document including the image content is generated and stored in a predetermined electronic document repository, and the automatic reservation loan An embodiment of the present invention relates to an implementation method of linking and processing the customer information, loan application information, reservation deposit information, deposit reservation date information, and customer wireless terminal information included in the application information in a predetermined storage medium 2105. After obtaining the predetermined image content corresponding to the automatic reservation loan application through a predetermined image acquisition device at the window terminal and transmitting it to the loan processing server 1900, the automatic reservation loan application corresponding to the automatic reservation loan application A method of inputting (or selecting) information and transmitting the information to the loan processing server 1900 To date.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 23a and 23b to register the automatic reservation loan application information with the loan processing server 1900 at the counter terminal. Although the implementation method may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 23A and 23B.

For example, in the implementation method shown in Figs. 23A and 23B, the window terminal acquires predetermined image contents corresponding to the automatic reservation loan application through a predetermined image acquisition device, and / or is applied to the automatic reservation loan application. Although a user interface for inputting (or selecting) corresponding automatic reservation loan application information is illustrated and provided from the loan processing server 1900, the user is provided with a predetermined information registration program in the window terminal. The interface may not be provided from the loan processing server 1900, and thus the present invention is not limited thereto.

In the following Figures 23a and 23b, the window terminal shown in Figure 19 is referred to as a "terminal" for convenience, and the loan processing server 1900 shown in Figure 19 is referred to as a "server" for convenience, and in the window terminal The customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information transmitted to the loan processing server 1900 are referred to as "automatic reservation loan application information" for convenience.

Referring to FIGS. 23A and 23B, a predetermined customer automatically reserves at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information for the automatic reservation loan deposit processing; When a loan application is made and submitted, the teller terminal shown in FIG. 19 connects to the server through a predetermined financial network and connects a predetermined communication channel, and automatically reserves loan payment processing corresponding to the automatic reservation loan application. When requesting a user interface for 2300, the server correspondingly acquires predetermined image content corresponding to the automatic reservation loan application written by the customer through a predetermined image acquisition device and transmits the predetermined image content to the server. Create (or extract) a user interface for the 2305 and generate (or And outputs to send the extracted) user interface to the mobile station (2310).

Thereafter, the terminal acquires image content corresponding to the automatic reservation loan application on the basis of the user interface (2315).

If image content corresponding to the automatic reservation loan application is obtained through the image acquisition device (2320), the terminal transmits the acquired image content to the server through the financial network (2325).

Subsequently, the server automatically registers an automatic reservation loan request including at least one of customer information corresponding to the automatic reservation loan application matched with the image content, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information. A user interface for inputting (or selecting) information to be transmitted to the server is generated (or extracted) (2330), and the generated (or extracted) user interface is transmitted to the terminal through the financial network and outputted ( 2335).

Thereafter, the terminal inputs (or selects) automatic reservation loan application information including at least one of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information through the user interface. (2340).

If the automatic reservation loan application information including at least one or more of the customer information, the loan application information, the reservation deposit information after the approval, the deposit reservation date information, and the customer wireless terminal information is input (or selected) through the user interface (2345) In operation 2350, the terminal transmits the input (or selected) automatic reservation loan application information to the server through the financial network.

Thereafter, the server receives and reads the automatic reservation loan application information including at least one of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information through the financial network. The validity of the automatic reservation loan application information is checked (2355).

According to the method of the present invention, the validity check of the automatic reservation loan application information is at least matched with the automatic reservation loan application information in the ledger D / B 2100 on the financial system 2000 associated with the loan processing system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 1925 may include a ledger on the financial system 2000 in which the customer information (customer personal information, member information, etc.) is linked to the loan processing system among information included in the automatic reservation loan application information. It is preferable that the check is made including matching with the customer ledger stored in the D / B 2100.

In addition, the validation of the automatic reservation loan application information includes checking at least one of information included in the automatic reservation loan application information, whether the deposit reservation date and time information is a date or a holiday before a current period or a holiday date. It is preferable to make it.

If the validity of the automatic reservation loan application information is not authenticated (2360), the server generates predetermined information registration error information and transmits it to the terminal (2365), and registers the information corresponding to the automatic reservation loan application information. Do not perform the procedure.

On the other hand, if the validity of the automatic reservation loan application information is authenticated (2360), the server generates a predetermined automatic reservation loan application electronic document including the image content (2370).

According to an exemplary embodiment of the present invention, the server automatically stores an image file including the image content received from the loan application terminal 1975 through the image receiving unit 1920 as it is for the automatic reservation loan deposit processing. It is preferable to process the reservation loan application electronically.

Alternatively, the server may include customer information and loan request included in the automatic reservation loan application information received through the information receiver 1915 on the image content received from the loan application terminal 1975 through the image receiver 1920. Automatic reservation for the automatic reservation loan deposit processing of an image file corresponding to the image content including at least one of information, reservation deposit information after payment, deposit reservation date information, customer wireless terminal information by watermarking method It is desirable to create a loan application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) containing the image content received from the loan application terminal 1975 through the image receiving unit 1920. Automatic reservation for the automatic reservation loan deposit processing by generating a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a loan application electronic document.

Alternatively, the server may include customer information included in the automatic reservation loan application information received through the information receiving unit 1915 on the image content received from the loan application terminal 1975 through the image receiving unit 1920, and loan application. A predetermined document file including image information including at least one of information, reservation deposit information after payment, deposit reservation date information, and customer wireless terminal information by a watermarking method, and including the generated image content (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is desirable to generate an automatic reservation loan application electronic document for the automatic reservation loan deposit processing.

According to another exemplary embodiment of the present invention, the server receives the image contents received from the loan application terminal 1975 through the image receiving unit 1920 and the automatic reservation loan application received through the information receiving unit 1915. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to generate an automatic reservation loan application electronic document for the automatic reservation loan deposit processing.

Alternatively, the server may include customer information and loan request included in the automatic reservation loan application information received through the information receiver 1915 on the image content received from the loan application terminal 1975 through the image receiver 1920. Generating image contents including at least one of information, reservation deposit information after payment, deposit reservation date information, and customer wireless terminal information by a watermarking method, and the generated image content and the automatic reservation loan application information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate an automatic reservation loan application electronic document for the automatic reservation loan deposit processing Do.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an automatic reservation loan application electronic document in the image file format and / or a predetermined document file format, and the automatic reservation loan application electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated automatic reservation loan application electronic document in a predetermined electronic document storage (2375).

As shown in FIG. 19, the electronic document repository includes a predetermined electronic document server 1950 and an electronic document D / B 1970 connected to a server on the loan processing system through predetermined communication means. When provided, the server preferably transmits the generated automatic reservation loan application electronic document to the electronic document server 1950 through the communication means to store in the electronic document D / B (1970).

Alternatively, when the electronic document storage is provided on a DBMS provided in the loan processing system, the server corresponds to the generated electronic document storage on the DBMS provided in the loan processing system. It is possible to store in the electronic document D / B 1970, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the automatic reservation loan application electronic document in the electronic document storage, as shown in Figure 19 by integrating the generated automatic reservation loan application electronic document and predetermined electronic document management information It is preferably made to include in the electronic document D / B (1970).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the automatic reservation loan application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the automatic reservation loan application electronic document.

Further, the electronic document management information may include predetermined electronic document-related information (for example, customer information for filling out an automatic reservation loan application form corresponding to the image content, and / or financial institution information for transmitting the automatic reservation loan application electronic document, and And / or electronic document file format information, and / or the automatic reservation loan application information).

If the automatic reservation loan application electronic document is stored in the electronic document storage (2380), the server includes the customer information included in the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date and time information And linking the customer wireless terminal information to a predetermined storage medium 2105 (2385), and predetermined automatic reservation loan application history information (e.g., details of storing the automatic reservation loan application electronic document in the electronic document repository). , And / or (or details of storing the automatic reservation loan application information in the storage medium 2105) is generated (or extracted) and transmitted to the terminal (2390).

According to one embodiment of the invention, the storage medium 2105 is preferably provided in a DBMS on a financial system 2000 provided on (or associated with) the loan processing system, wherein The storage medium 2105 may be a ledger D / B 2100 provided in a DBMS on the financial system 2000, and / or a predetermined database associated with the ledger D / B 2100. The present invention is not limited.

According to another method of the present invention, the storage medium 2105 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

24A and 24B illustrate a process of registering automatic reservation loan application information in a face-to-face manner according to another exemplary embodiment of the present invention.

24A and 24B show a window terminal in which a loan application terminal 1975 on a loan processing system shown in FIG. 19 is provided at a branch (or branch) of a financial institution, and the loan processing server 1900 is predetermined. In the case of having a ledger server (not shown) function on the financial system 2000 connected to the counter terminal through the financial network of the customer, a predetermined customer may receive customer information, loan application information, and approval for automatic reservation loan deposit processing. When a user prepares and submits an automatic reservation loan application including at least one of reservation deposit information, deposit reservation date information, and customer wireless terminal information, a predetermined counter corresponding to the automatic reservation loan application is provided through a predetermined image acquisition device at a predetermined window terminal. Image content of the user, and automatically corresponding to the automatic reservation loan application to the loan processing system through a predetermined information registration interface When the reservation loan application information and the image content obtained from the automatic reservation loan application are provided, a predetermined automatic reservation loan application electronic document including the image content is generated and stored in a predetermined electronic document repository, and the automatic reservation loan An embodiment of the present invention relates to an implementation method of linking and processing the customer information, loan application information, reservation deposit information, deposit reservation date information, and customer wireless terminal information included in the application information in a predetermined storage medium 2105. After inputting (or selecting) the automatic reservation loan application information corresponding to the automatic reservation loan application at the window terminal and transmitting the information to the loan processing server 1900, the automatic terminal corresponds to the automatic reservation loan application through a predetermined image acquisition device. A method of acquiring and transmitting predetermined image content to the loan processing server 1900 To date.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 24a and 24b to register the automatic reservation loan application information with the loan processing server 1900 at the counter terminal. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIGS. 24A and 24B.

For example, in the implementation method shown in FIGS. 24A and 24B, the teller terminal acquires predetermined image contents corresponding to the automatic reservation loan application through a predetermined image acquisition device, and / or is applied to the automatic reservation loan application. Although a user interface for inputting (or selecting) corresponding automatic reservation loan application information is illustrated and provided from the loan processing server 1900, the user is provided with a predetermined information registration program in the window terminal. The interface may not be provided from the loan processing server 1900, and thus the present invention is not limited thereto.

In the following Figures 24a and 24b, the window terminal shown in Figure 19 is referred to as "terminal" for convenience, and the loan processing server 1900 shown in Figure 19 is referred to as "server" for convenience, and in the window terminal The customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information transmitted to the loan processing server 1900 are referred to as "automatic reservation loan application information" for convenience.

Referring to FIGS. 24A and 24B, a predetermined customer automatically reserves at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information for automatic reservation loan payment processing. When a loan application is made and submitted, the teller terminal shown in FIG. 19 connects to the server through a predetermined financial network and connects a predetermined communication channel, and automatically reserves loan payment processing corresponding to the automatic reservation loan application. When requesting a user interface for the 2400, the server corresponding to the customer information corresponding to the automatic reservation loan application created by the customer, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information Input (or select) the automatic reservation loan application information including at least one Generating a user interface (or extract), and 2405, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station (2410).

Thereafter, the terminal inputs (or selects) automatic reservation loan application information including at least one of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information through the user interface. (2415)

If the automatic reservation loan application information including at least one or more of the customer information, the loan application information, the reservation deposit information after the approval, the deposit reservation date information, and the customer wireless terminal information is input (or selected) through the user interface (2420). The terminal transmits the input (or selected) automatic reservation loan application information to the server through the financial network (2425).

Thereafter, the server receives and reads the automatic reservation loan application information including at least one of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information through the financial network. The validity of the automatic reservation loan application information is checked (2430).

According to an embodiment of the present invention, the validity of the automatic reservation loan application information is matched with the automatic reservation loan application information in the ledger D / B 2100 on the financial system 2000 associated with the loan processing system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirming unit 1925 may include a ledger on the financial system 2000 in which the customer information (customer personal information, member information, etc.) is linked to the loan processing system among information included in the automatic reservation loan application information. It is preferably made to include matching with the customer ledger stored in the D / B (2100).

In addition, the validation of the automatic reservation loan application information includes checking at least one of information included in the automatic reservation loan application information, whether the deposit reservation date and time information is a date or a holiday before a current period or a holiday date. It is preferable to make it.

If the validity of the automatic reservation loan application information is not authenticated (2435), the server generates predetermined information registration error information and transmits it to the terminal (2440), and registers the information corresponding to the automatic reservation loan application information. Do not perform the procedure.

On the other hand, if the validity of the automatic reservation loan application information is authenticated (2435), the server acquires predetermined image contents corresponding to the automatic reservation loan application written by the customer through a predetermined image acquisition device in the terminal and the server. A user interface for transmitting to the terminal is generated (or extracted) (2445), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (2450).

Thereafter, the terminal acquires image content corresponding to the automatic reservation loan application through a predetermined image obtaining apparatus based on the user interface (2455).

If image content corresponding to the automatic reservation loan application is obtained through the image acquisition device (2460), the terminal transmits the obtained image content to the server through the financial network (2465).

The server receiving the automatic reservation loan request information and the image content from the terminal generates a predetermined automatic reservation loan request electronic document including the image content (2470).

According to the exemplary embodiment of the present invention, the server automatically reserves the image file including the image content received from the loan application terminal 1975 through the image receiving unit 1920 as it is for the automatic reservation loan deposit processing. It is desirable to process the loan application electronically.

Alternatively, the server may include customer information and loan request included in the automatic reservation loan application information received through the information receiver 1915 on the image content received from the loan application terminal 1975 through the image receiver 1920. Automatic reservation for the automatic reservation loan deposit processing of an image file corresponding to the image content including at least one of information, reservation deposit information after payment, deposit reservation date information, customer wireless terminal information by watermarking method It is desirable to create a loan application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) containing the image content received from the loan application terminal 1975 through the image receiving unit 1920. Automatic reservation for the automatic reservation loan deposit processing by generating a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a loan application electronic document.

Alternatively, the server may include customer information included in the automatic reservation loan application information received through the information receiving unit 1915 on the image content received from the loan application terminal 1975 through the image receiving unit 1920, and loan application. A predetermined document file including image information including at least one of information, reservation deposit information after payment, deposit reservation date information, and customer wireless terminal information by a watermarking method, and including the generated image content (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is desirable to generate an automatic reservation loan application electronic document for the automatic reservation loan deposit processing.

According to another exemplary embodiment of the present invention, the server receives the image content received from the loan application terminal 1975 through the image receiving unit 1920 and the automatic reservation loan application received through the information receiving unit 1915. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to generate an automatic reservation loan application electronic document for the automatic reservation loan deposit processing.

Alternatively, the server may include customer information and loan request included in the automatic reservation loan application information received through the information receiver 1915 on the image content received from the loan application terminal 1975 through the image receiver 1920. Generating image contents including at least one of information, reservation deposit information after payment, deposit reservation date information, and customer wireless terminal information by a watermarking method, and the generated image content and the automatic reservation loan application information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate an automatic reservation loan application electronic document for the automatic reservation loan deposit processing Do.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an automatic reservation loan application electronic document in the image file format and / or a predetermined document file format, and the automatic reservation loan application electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated automatic reservation loan application electronic document in a predetermined electronic document storage (2475).

As shown in FIG. 19, the electronic document repository includes a predetermined electronic document server 1950 and an electronic document D / B 1970 connected to a server on the loan processing system through predetermined communication means. When provided, the server preferably transmits the generated automatic reservation loan application electronic document to the electronic document server 1950 through the communication means to store in the electronic document D / B (1970).

Alternatively, when the electronic document storage is provided on a DBMS provided in the loan processing system, the server corresponds to the generated electronic document storage on the DBMS provided in the loan processing system. It is possible to store in the electronic document D / B 1970, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the automatic reservation loan application electronic document in the electronic document storage, as shown in Figure 19 by integrating the generated automatic reservation loan application electronic document and predetermined electronic document management information It is preferably made to include in the electronic document D / B (1970).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the automatic reservation loan application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the automatic reservation loan application electronic document.

Further, the electronic document management information may include predetermined electronic document-related information (for example, customer information for filling out an automatic reservation loan application form corresponding to the image content, and / or financial institution information for transmitting the automatic reservation loan application electronic document, and And / or electronic document file format information, and / or the automatic reservation loan application information).

If the automatic reservation loan application electronic document is stored in the electronic document repository (2480), the server includes the customer information included in the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date and time information. Process the customer wireless terminal information in association with the predetermined storage medium (2105) (2485), and predetermined automatic reservation loan application history information (e.g., the details of storing the automatic reservation loan application electronic document in the electronic document storage) , And / or (or details of storing the automatic reservation loan application information in the storage medium 2105) is generated (or extracted) and transmitted to the terminal (2490).

According to one embodiment of the invention, the storage medium 2105 is preferably provided in a DBMS on a financial system 2000 provided on (or associated with) the loan processing system, wherein The storage medium 2105 may be a ledger D / B 2100 provided in a DBMS on the financial system 2000, and / or a predetermined database associated with the ledger D / B 2100. The present invention is not limited.

According to another method of the present invention, the storage medium 2105 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

25A and 25B illustrate a process of registering automatic reservation loan application information in a face-to-face manner according to another exemplary embodiment of the present invention.

25A and 25B are detailed descriptions of a window terminal in which a loan application terminal 1975 on a loan processing system illustrated in FIG. 19 is provided at a branch (or a branch) of a financial institution, and the loan processing server 1900 is predetermined. In the case of having a ledger server (not shown) function on the financial system 2000 connected to the counter terminal through the financial network of the customer, a predetermined customer may receive customer information, loan application information, and approval for automatic reservation loan deposit processing. When a user prepares and submits an automatic reservation loan application including at least one of reservation deposit information, deposit reservation date information, and customer wireless terminal information, a predetermined counter corresponding to the automatic reservation loan application is provided through a predetermined image acquisition device at a predetermined window terminal. Image content of the user, and automatically corresponding to the automatic reservation loan application to the loan processing system through a predetermined information registration interface When the reservation loan application information and the image content obtained from the automatic reservation loan application are provided, a predetermined automatic reservation loan application electronic document including the image content is generated and stored in a predetermined electronic document repository, and the automatic reservation loan An embodiment of the present invention relates to an implementation method of linking and processing the customer information, loan application information, reservation deposit information, deposit reservation date information, and customer wireless terminal information included in the application information in a predetermined storage medium 2105. The window terminal acquires predetermined image contents corresponding to the automatic reservation loan application through a predetermined image acquisition device, and inputs (or selects) automatic reservation loan application information corresponding to the automatic reservation loan application to process the loan. A method of transmitting to the server 1900 is illustrated.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 25a and 25b to register the automatic reservation loan application information with the loan processing server 1900 at the counter terminal. Although the implementation method may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 25A and 25B.

For example, in the implementation method shown in Figs. 25A and 25B, the teller terminal acquires predetermined image contents corresponding to the automatic reservation loan application through a predetermined image acquisition device, and / or to the automatic reservation loan application. Although a user interface for inputting (or selecting) corresponding automatic reservation loan application information is illustrated and provided from the loan processing server 1900, the user is provided with a predetermined information registration program in the window terminal. The interface may not be provided from the loan processing server 1900, and thus the present invention is not limited thereto.

In the following Figures 25a and 25b, the window terminal shown in Figure 19 is referred to as a "terminal" for convenience, and the loan processing server 1900 shown in Figure 19 is referred to as a "server" for convenience, and in the window terminal The customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information transmitted to the loan processing server 1900 are referred to as "automatic reservation loan application information" for convenience.

Referring to FIGS. 25A and 25B, an automatic reservation includes a predetermined customer including at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information for automatic reservation loan deposit processing; When a loan application is made and submitted, the teller terminal shown in FIG. 19 connects to the server through a predetermined financial network and connects a predetermined communication channel, and automatically reserves loan payment processing corresponding to the automatic reservation loan application. When requesting a user interface for the 2500 (2500), the server inputs (or selects) the automatic reservation loan application information corresponding to the automatic reservation loan application written by the customer in the terminal, and corresponds to a predetermined image obtaining apparatus. Acquires predetermined image contents corresponding to the automatic reservation loan application form and transmits the same to the server. Generating a user interface (or extract), and 2505, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station (2510).

Thereafter, the terminal inputs (or selects) automatic reservation loan application information including at least one of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information through the user interface. (2515)

If the automatic reservation loan application information including at least one of the customer information, the loan application information, the reservation deposit information after the approval, the deposit reservation date information, and the customer wireless terminal information is input (or selected) through the user interface (2520) In operation 2525, the terminal acquires image content corresponding to the automatic reservation loan application through a predetermined image obtaining apparatus based on the user interface.

If image content corresponding to the automatic reservation loan application is obtained through the image acquisition device (2530), the terminal transmits the automatic reservation loan application information and image content to the server through the financial network (2535). .

Thereafter, the server receives and reads the automatic reservation loan application information including at least one of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information through the financial network. The validity of the automatic reservation loan application information is checked (2540).

According to the method of the present invention, the validity check of the automatic reservation loan application information is at least matched with the automatic reservation loan application information in the ledger D / B 2100 on the financial system 2000 associated with the loan processing system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 1925 may include a ledger on the financial system 2000 in which the customer information (customer personal information, member information, etc.) is linked to the loan processing system among information included in the automatic reservation loan application information. It is preferably made to include matching with the customer ledger stored in the D / B (2100).

In addition, the validation of the automatic reservation loan application information includes checking at least one of information included in the automatic reservation loan application information, whether the deposit reservation date and time information is a date or a holiday before a current period or a holiday date. It is preferable to make it.

If the validity of the automatic reservation loan application information is not authenticated (2545), the server generates predetermined information registration error information and transmits it to the terminal (2550), and information corresponding to the automatic reservation loan application information. Do not perform the registration process.

On the other hand, if the validity of the automatic reservation loan application information is authenticated (2545), the server generates a predetermined automatic reservation loan application electronic document containing the image content (2555).

According to an exemplary embodiment of the present invention, the server automatically stores an image file including the image content received from the loan application terminal 1975 through the image receiving unit 1920 as it is for the automatic reservation loan deposit processing. It is preferable to process the reservation loan application electronically.

Alternatively, the server may include customer information and loan request included in the automatic reservation loan application information received through the information receiver 1915 on the image content received from the loan application terminal 1975 through the image receiver 1920. Automatic reservation for the automatic reservation loan deposit processing of an image file corresponding to the image content including at least one of information, reservation deposit information after payment, deposit reservation date information, customer wireless terminal information by watermarking method It is desirable to create a loan application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) containing the image content received from the loan application terminal 1975 through the image receiving unit 1920. Automatic reservation for the automatic reservation loan deposit processing by generating a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a loan application electronic document.

Alternatively, the server may include customer information and loan request included in the automatic reservation loan application information received through the information receiver 1915 on the image content received from the loan application terminal 1975 through the image receiver 1920. A predetermined document file including image information including at least one of information, reservation deposit information after payment, deposit reservation date information, and customer wireless terminal information by a watermarking method, and including the generated image content (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is desirable to generate an automatic reservation loan application electronic document for the automatic reservation loan deposit processing.

According to another exemplary embodiment of the present invention, the server receives the image contents received from the loan application terminal 1975 through the image receiving unit 1920 and the automatic reservation loan application received through the information receiving unit 1915. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to generate an automatic reservation loan application electronic document for the automatic reservation loan deposit processing.

Alternatively, the server may include customer information and loan request included in the automatic reservation loan application information received through the information receiver 1915 on the image content received from the loan application terminal 1975 through the image receiver 1920. Generating image content including at least one of information, reservation deposit information after payment, deposit reservation date information, and customer wireless terminal information by a watermarking method, and the generated image content and the automatic reservation loan application information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate an automatic reservation loan application electronic document for the automatic reservation loan deposit processing The.

Those skilled in the art to which the present invention pertains include the technical features of the server generating an automatic reservation loan application electronic document in an image file format and / or a predetermined document file format, and the automatic reservation loan application electronic. Since the technical features of the image file corresponding to the document and / or the file format of the document file will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated automatic reservation loan application electronic document in a predetermined electronic document storage (2560).

As shown in FIG. 19, the electronic document repository includes a predetermined electronic document server 1950 and an electronic document D / B 1970 connected to a server on the loan processing system through predetermined communication means. When provided, the server preferably transmits the generated automatic reservation loan application electronic document to the electronic document server 1950 via the communication means to store in the electronic document D / B (1970).

Alternatively, when the electronic document storage is provided on a DBMS provided in the loan processing system, the server corresponds to the generated electronic document storage on the DBMS provided in the loan processing system. It is possible to store in the electronic document D / B 1970, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the automatic reservation loan application electronic document in the former consultant archive, the process of the generated automatic reservation loan application electronic document and the predetermined electronic document management information in connection with FIG. It is preferable to include storing in the electronic document D / B (1970) shown.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the automatic reservation loan application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the automatic reservation loan application electronic document.

Further, the electronic document management information may include predetermined electronic document-related information (for example, customer information for filling out an automatic reservation loan application form corresponding to the image content, and / or financial institution information for transmitting the automatic reservation loan application electronic document, and And / or electronic document file format information, and / or the automatic reservation loan application information).

If the electronic reservation loan application electronic document is stored in the electronic document storage (2565), the server includes the customer information included in the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date and time information And linking the customer wireless terminal information to a predetermined storage medium 2105 (2570) and storing the predetermined automatic reservation loan application history information (for example, the automatic reservation loan application electronic document stored in the electronic document repository). , And / or generates a history of (or extracts) the automatic reservation loan application information in the storage medium 2105 and transmits it to the terminal (2575).

According to one embodiment of the invention, the storage medium 2105 is preferably provided in a DBMS on a financial system 2000 provided on (or associated with) the loan processing system, wherein The storage medium 2105 may be a ledger D / B 2100 provided in a DBMS on the financial system 2000, and / or a predetermined database associated with the ledger D / B 2100. The present invention is not limited.

According to another method of the present invention, the storage medium 2105 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Figure 26 illustrates a preferred configuration of the automatic deposit processing and notification system for notifying the customer and the automatic deposit processing at the reservation date and time after loan approval in accordance with the implementation method of the present invention.

More specifically, FIG. 26 illustrates an automatic reservation in which a predetermined employee includes at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal 2645 information submitted by a predetermined customer. Examine the loan application for a predetermined loan period based on the loan application, and provides the loan approval information corresponding to the examination result to the predetermined automatic deposit processing server 2600 through the predetermined employee terminal (2630) The automatic deposit processing server 2600 automatically deposits the reservation deposit information (for example, a loan deposit account number and a loan amount after approval) of the customer linked to the loan approval information in a storage medium 1945. Check the agreement agreement information or customer application information, etc.), and if it contains the deposit deposit approval information after approval, check the deposit reservation date information, Perform a loan approval procedure corresponding to the loan application information in connection with a financial system, and automatically deposit a loan on a specific reservation date included in the deposit reservation date information into the account of the loan application customer or a new account for the loan; In the storage medium 1945, the customer wireless terminal 2645 information associated with the loan approval information is checked, and the loan payment information is linked with a predetermined wireless server 2635 to perform an ARS service through an SMS or ARS server 2640. A preferred overall diagram of a system for notifying a customer through a guide means including at least one of the present invention is shown. Those skilled in the art belong to the present invention with reference to the drawings and modifications 26 and automatic deposit processing and notification system Various embodiments of the present invention can be inferred, but the present invention is not limited to the present invention 26 and all the inferred embodiments Including the law.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (eg, the customer is finance of the financial institution) At least one member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system associated with the loan processing system corresponding to the customer by joining as a transaction customer It is preferable to make it.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

In addition, the reservation deposit information after the approval is determined to loan the loan application amount based on the reservation security loan application prepared by the customer visiting a predetermined financial institution, and if the loan application is approved in response to the examination result, the loan application As information for transferring the loan to the customer's account, it is preferable to include at least one or more loan application customer account number, the reservation deposit approval information after approval, etc., in which the customer's loan is deposited.

According to the implementation method of the present invention, the reservation deposit information after the approval is preferred to exclude the loan examination period and non-working days, but in the case of credit loans that do not require a loan examination period includes depositing the loan immediately to the customer account after the loan application It is desirable to.

In addition, the customer wireless terminal (2645) information is based on the automatic reservation loan application written by the customer to examine the loan application amount, and in response to the examination result, the loan approval is determined and the loan is the loan application customer When the deposit is made to the account, the deposit result includes a wireless terminal (2645) number for transmitting an SMS text message or ARS voice announcement to the customer wireless terminal (2645) associated with the loan payment account, and the customer Based on the prepared automatic reservation loan application, the loan application amount is examined and the loan approval is determined in response to the examination result, and when the loan is deposited into the account of the loan application customer, the deposit result is linked to the loan deposit account. Additional customer wired terminal information including wired terminal number for transmitting ARS voice announcements to the customer wired terminal May.

According to an embodiment of the present invention, the customer wireless terminal 2645 information includes at least one of a portable Internet terminal, a high speed downlink packet access (HSDPA) or a wireless broadband (Wireless based) wireless terminal 2645 used by the customer. Preferably, the wireless data communication-based terminal includes at least one messenger ID or e-mail address.

Also, the deposit reservation date information may include date information (eg, xxxxxxxxxxxx) for depositing a loan into the account of the customer applying for the loan on a desired date after the loan approval decision.

Herein, the loan approval information is based on the automatic reservation loan application submitted by the customer, the employee examines the loan of the loan application amount, and when the loan approval is determined in response to the examination result, the loan period, loan Including at least one interest rate, loan amount, collateral information

It is preferably provided to the loan approval unit (or loan approval means) 2605.

According to the implementation method of the present invention, the automatic deposit processing and notification system examines that the employee loans the loan application amount for a period of time based on the automatic reservation loan application submitted by the customer, and responds to the examination result. Receiving loan approval information from the employee terminal 2630 and the employee terminal 2630, which provides loan approval information to the automatic deposit processing server 2600, receives a loan approval information in connection with a financial system, and provides a loan for a customer account or loan. Automatic deposit processing server (2600), automatic deposit payment for the automatic deposit to the account, and transfers the information on the automatic payment of the loan to the customer wireless terminal (2645) corresponding to the customer wireless terminal (2645) information stored in the storage medium (1945) Wireless server (2635) for transmitting information about the customer to the wireless terminal (2645) via SMS text, information about automatic deposit of loans through voice announcements ARS server 2640 for transmitting to the customer wireless terminal (2645), customer information, loan application information, customer wireless terminal (2645) information, the storage medium (1945) for storing the reservation deposit information after approval do.

According to the implementation method of the present invention, the employee examines the loan application amount on the basis of the automatic reservation loan application submitted by the customer, and the loan approval information corresponding to the examination result in the employee terminal (2630). It is preferable that the automatic deposit processing server 2600 is provided to the loan approval unit 2605.

According to an exemplary embodiment of the present invention, the automatic deposit processing server 2600 automatically deposits a loan into a bank account or a new account for a loan at a specific reservation date, and the automatic deposit information is linked with a loan deposit account. It is preferable to transmit an SMS text message from the wireless server 2635 to the customer's wireless terminal 2645 to the customer's wireless terminal 2645.

According to another exemplary embodiment of the present invention, the automatic deposit processing server 2600 automatically deposits the loan into the account of the loan application customer or a new account for the loan at a specific reservation date, and the loan automatic deposit information is transferred to the loan deposit account. Preferably, the ARS server 2640 transmits a voice announcement to the customer's wireless terminal 2645 to the customer's wireless terminal 2645.

According to an embodiment of the present invention, a reservation security loan including at least one of customer information, loan application information, customer wireless terminal 2645 information, reservation deposit information after approval, and deposit reservation date and time information generated during the loan examination and approval process The application information is preferably stored in the storage medium 1945.

Referring to FIG. 26, the automatic deposit processing server 2600 receives the loan approval information from the employee terminal 2630 and performs a loan approval procedure corresponding to the loan application information in connection with the financial system. (2605) and the loan approval information from the loan approval unit (2605) to receive customer approval for the automatic deposit of the loan amount to the loan application customer's account through the reservation deposit information after approval from the storage medium (1945) After confirming the information confirmation unit 2615 and the customer approval for depositing the reservation after approval, the deposit date and time confirmation unit 2620 confirms the date and time to deposit the loan by checking the deposit reservation date and time information, and the loan amount If the customer approval for the automatic deposit into the account of the loan application customer is confirmed, and the deposit reservation date is confirmed, the finance in connection with the financial system Reserve deposit which withdraws the loan from the bank's loan management account (for example, an account in the name of the financial institution where the loan amount is deposited) and automatically deposits it into the account of the loan application customer at a specific deposit reservation date included in the deposit reservation date and time information. Processing unit (or reservation deposit processing means) 2610 and the customer's wireless terminal (2645) information stored in the storage medium (1945) the automatic transfer history information for the loan when the loan is automatically deposited into the account of the loan application customer It is characterized in that it comprises an information transmitting unit 2625 to transmit to the wireless terminal 2645 corresponding to the.

After the employee examines the loan application amount to the customer through the automatic reservation loan application information for a predetermined loan examination period, the employee terminal 2630 reads the loan approval information for the loan application amount. When provided to the automatic deposit processing server 2600, the loan approval unit 2605 performs a loan approval procedure corresponding to the loan application information in connection with the financial system, and the loan approval information to the information confirmation unit (or information confirmation). Means (2615).

The information confirmation unit 2615 receives the loan approval information from the loan approval unit 2605, and confirms the reservation deposit information after approval stored in association with the loan application information (or customer information) from the storage medium 1945. If it is confirmed that the customer approves the reservation deposit after approval, it is preferable to provide the reservation deposit information to the reservation deposit processing unit 2610 after the approval.

In addition, when it is confirmed that the deposit reservation date confirmation unit has approved the reservation deposit after the approval, it is preferable to check the deposit reservation date information in the storage medium 1945 to confirm when the desired payment date of the loan is desired by the customer. .

In addition, the reservation deposit processing unit 2610 confirms the reservation deposit information after approval in the information confirmation unit 2615 and the deposit reservation date information is confirmed in the deposit date confirmation unit (or deposit date and time confirmation means) 2620. And, with the financial system, withdraw the loan from the loan management account of the financial institution (e.g., the account of the financial institution in which the loan amount is deposited) and the loan at a specific reservation date and time included in the deposit reservation date and time information. It is desirable to have a function of automatically depositing the account of the applying customer or a new account for the loan.

When the reservation deposit processing unit 2610 is transferred to the account of the loan application customer at a specific reservation date and time in connection with the financial system 2000, the information transmission unit (or information transmission means) 2625 is the storage And transmits to the wireless terminal 2645 corresponding to the customer wireless terminal 2645 information stored in the medium 1945.

According to an exemplary embodiment of the present invention, the information transmitter 2625 transmits the automatic deposit history information on the loan corresponding to the information in which the loan is automatically deposited into the account of the customer applying for loan to the customer wireless terminal 2645. In order to transmit the SMS text to the customer wireless terminal 2645 through the wireless server 2635.

According to another exemplary embodiment of the present invention, the information transmitting unit 2625 is a customer wireless terminal 2645, the automatic deposit history information for the loan corresponding to the information automatically deposited into the account of the loan application customer. In order to transmit the ARS voice guidance via the ARS server 2640 it is preferable to transmit to the customer wireless terminal (2645).

27A and 27B illustrate a preferred flowchart of an automatic deposit processing and notification system for notifying a reservation automatic deposit and a customer after loan approval according to an embodiment of the present invention.

More specifically, FIG. 27 shows that when a predetermined automatic deposit processing server 2600 receives loan approval information from a predetermined employee terminal 2630, a loan approval procedure corresponding to loan approval information is performed in connection with a financial system. The storage medium (1945) checks the reservation deposit information and the deposit reservation date information after approval associated with the loan approval information, and the automatic deposit information (for example, the loan deposit account number and the loan amount after approval) after the loan examination period has elapsed. The terms and conditions for the automatic deposit into the deposit account, or the customer application information, etc.), in conjunction with the financial system, the account of the loan application customer or a new account for the loan at the specific reservation date and time included in the deposit reservation date information. As shown in the process of automatically depositing a loan in the drawing, specifically, the drawing 27a shows that the loan is replaced after the automatic deposit of the loan. Through a wireless server (2635) to send the information automatically deposited to the account of the client application sends SMS messages to customers mobile station (2645).

Figure 27b shows that the loan is automatically deposited into the account of the loan application customer after the automatic payment of the loan to the account of the loan application customer or a new account for the loan at a specific reservation date in connection with the financial system in the automatic deposit processing server 2600. In order to transmit the information, the ARS voice announcement is transmitted to the customer wireless terminal 2645 through the ARS server 2640.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods of the reservation loan confirmation and the loan deposit system by referring to and modifying this drawing 10. However, the present invention is not limited to this drawing 27. Includes all implementation methods.

Herein, the loan approval information may be determined by examining the loan application information submitted by the customer, and when the loan approval is determined in response to the result of the examination of the loan application information, at least one or more loan periods, loan rates, loan amounts, and collateral information. It is preferable to include.

In the following Figures 27A and 27B, the automatic deposit processing server 2600 shown in Figure 26 is referred to as "server" for convenience, and the employee terminal 2630 shown in Figure 9 is referred to as "terminal".

According to one embodiment of the present invention, referring to Figure 27a, the employee examines the loan of the loan application amount for a predetermined period based on the automatic reservation loan application information provided by the customer, and responds to the examination result. After the loan is approved, the terminal provides loan approval information (eg, loan period, loan interest rate, loan amount, collateral information, etc.) written by the customer to the server (2700a).

The server receives the loan approval information, confirms the reservation deposit information after approval from the storage medium 1945, and confirms the reservation deposit information after approval (eg, the loan application customer account number and the loan amount after approval to the loan application customer account). If the agreement agreement information or customer application information, etc. for automatic deposit is included, the reservation deposit information after approval is provided to the reservation deposit processing unit 2610 (2705a).

The server confirms the reservation deposit information after approval from the storage medium 1945 (2705a), and confirms the deposit reservation date information (eg, xxxxxxxxxxxx, etc.) from the storage medium (2710a).

When the server confirms the reservation deposit information (for example, account number, terms of agreement or selection information for agreeing to the reservation deposit after approval) and the deposit reservation date information after approval, the server connects the loan with the financial system at a specific reservation date and time. Automatic deposit into account or new account for loan (2715a).

The server automatically deposits a loan at a specific reservation date and time to the account of the loan application customer (2715a), and checks whether the loan automatic deposit is properly made (2720a).

If the automatic payment of the loan is not confirmed at the server (2725a), the automatic payment of the loan is confirmed in connection with the financial system (2720a).

If the automatic payment of the loan is confirmed (2725a), in order to notify the customer of the automatic payment of the loan, the information of the customer wireless terminal 2645 associated with the account information of the automatic payment of the loan is checked from the storage medium 1945 ( 2730a).

The server transmits the automatic loan payment information to the wireless server 2635 to transmit the automatic loan payment information to the wireless client 2645 in association with the wireless server 2635 (2735a).

The wireless server 2635 receives the automatic loan payment information from the server (2740a).

The wireless server 2635 transmits the loan payment information of the customer received from the server to the wireless terminal 2645 of the customer in SMS (2745a).

The wireless terminal 2645 of the customer receives the SMS text from the wireless server 2635, and outputs the SMS through a predetermined output device provided in the wireless terminal 2645 of the customer (2750a).

According to another exemplary embodiment of the present invention, referring to FIG. 27A, the employee examines loaning the loan application amount for a predetermined period of time based on the automatic reservation loan application information provided by the customer, and responds to the examination result. After the loan is approved, the terminal provides loan approval information (eg, loan period, loan interest rate, loan amount, collateral information, etc.) written by the customer to the server (2700b).

The server receives the loan approval information, confirms the reservation deposit information after approval from the storage medium 1945, and confirms the reservation deposit information after approval (eg, the loan application customer account number and the loan amount after approval to the loan application customer account). If the agreement agreement information or customer application information, etc. for automatic deposit is included, the reservation deposit information after approval is provided to the reservation deposit processing unit 2610 (2705b).

The server confirms reservation deposit information after approval from the storage medium 1945 (2705a), and confirms deposit reservation date and time information (eg, xxxxxxxxxxxx) from the storage medium (2710b).

When the server confirms the reservation deposit information (for example, account number, terms of agreement or selection information for agreeing to the reservation deposit after approval) and the deposit reservation date information after approval, the server connects the loan with the financial system at a specific reservation date and time. Automatic deposit into account or new account for loan (2715b).

The server automatically deposits a loan at a specific reservation date and time to the loan application customer's account (2715b), and checks whether the loan automatic deposit is properly made (2720b).

If the automatic payment of the loan is not confirmed at the server (2725b), the automatic payment of the loan is confirmed in connection with the financial system (2720b).

If the automatic payment of the loan is confirmed (2725b), in order to notify the customer of the automatic payment of the loan, the information of the customer wireless terminal 2645 associated with the account information of the automatic payment of the loan is checked from the storage medium 1945 ( 2730b).

The server transmits the automatic loan payment information to the ARS server 2640 in order to transmit the automatic loan payment information to the ARS server 2640 to the customer wireless terminal 2645 (2735b).

The ARS server 2640 receives the automatic loan payment information from the server (2740b).

The ARS server 2640 transmits the customer's loan automatic deposit information received from the server to the wireless terminal 2645 of the customer as an ARS voice announcement (2745b).

The customer's wireless terminal 2645 receives the voice announcement from the ARS server 2640 and outputs the voice announcement through a predetermined output device provided in the customer's wireless terminal 2645 (2750b). .

28 is a view showing a non-face-to-face loan processing system for automatic reservation loan deposit processing according to another embodiment of the present invention.

In more detail, Figure 28 is a predetermined customer through a predetermined information registration interface to the loan processing system for the automatic reservation loan payment processing customer information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless If the automatic reservation loan application information including at least one terminal information is provided, the loan processing system generates a predetermined automatic reservation loan application electronic document including the provided automatic reservation loan application information and stores it in a predetermined electronic document repository. A system configuration for linking the customer information, the loan application information, the reservation deposit information after approval, the deposit reservation date information, and the customer wireless terminal information included in the automatic reservation loan application information and storing the information in a predetermined storage medium 2845. In particular, the electronic document archive is a predetermined communication means through It relates to a method embodiment, which is provided on the outside of the system in connection with group loan processing system.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 28 to infer various implementation methods for the configuration of a loan processing system for automatic reservation loan deposit processing. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 28 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the loan processing system. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in Fig. 28, the automatic reservation loan application electronic document is illustrated as being generated on the server side on the loan processing system, but the present invention is not limited thereto. The reservation loan application electronic document may be generated at the terminal side that inputs (or selects) the automatic reservation loan application information (for example, an electronic document generation function provided at the server side is provided at the terminal side and is automatically generated. Generating a reservation loan application electronic document), whereby the present invention is not limited.

Hereinafter, the automatic reservation loan application information is received from the customer through a predetermined information registration interface on the loan processing system shown in FIG. 28 to generate a predetermined automatic reservation loan application e-document and store it in a predetermined electronic document repository. At least one means for storing the automatic reservation loan application information in a predetermined storage medium 2845 and / or a component corresponding to a functional configuration is referred to as "loan processing server 2800" for convenience.

Referring to FIG. 28 according to an embodiment of the present invention, the loan processing system for the automatic reservation loan deposit processing includes at least one client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And a loan application terminal 2840 including the loan application terminal 2840, and a communication channel is connected to the loan processing server 2800 provided on the loan processing system through a predetermined network means. do.

According to an embodiment of the present invention, the customer connects to the loan processing server 2800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Inputting (or selecting) the automatic reservation loan application information for the automatic reservation loan deposit processing through at least one user interface provided by the loan processing server 2800, the client terminal transmits the information through the predetermined network means. It is preferable to transmit to the loan processing server 2800 provided on the loan processing system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

Also, the loan processing server 2800 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

Further, the network means for connecting the client terminal and the loan processing server 2800 may be a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based according to the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the portable Internet and / or IEEE 802.11x-based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the loan processing server 2800, and inputs and / or selects at least one information through the user interface to the loan processing server 2800. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the loan processing server 2800, etc.) for transmission is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the above loan processing system, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the loan processing server 2800 and And / or the wireless communication network performs a function of an information registration interface for the customer to register automatic reservation loan application information for the automatic reservation loan deposit processing.

According to another exemplary embodiment of the present invention, the loan application terminal 2840 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. And a fixed line telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the above loan processing system, when the loan application terminal 2840 is the financial automatic device (not shown), the financial automated device (not shown), the financial automated device (not shown) and the loan processing server The financial network connecting 2800 performs a function of an information registration interface for the customer to register automatic reservation loan application information for the automatic reservation loan payment processing, and / or the loan application terminal 2840 In the case of a call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the loan processing server 2800 may be used by the customer. Performs a function of an information registration interface for registering automatic reservation loan application information for deposit processing, and / or with the financial institution that is the loan application terminal 2840. In the case of a terminal (and / or server) (not shown) provided in an affiliated institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the loan processing server A network connecting 2800 performs a function of an information registration interface for registering the automatic reservation loan application information by the customer for the automatic reservation loan deposit processing.

The storage medium 2845 provided on the loan processing system according to the present invention includes the customer information, loan application information, and reservation deposit information after approval included in the automatic reservation loan application information provided from the loan application terminal 2840. , The deposit reservation date information, and the customer wireless terminal information are linked and stored in a predetermined storage medium 2845.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (eg, the customer is finance of the financial institution) At least one member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system associated with the loan processing system corresponding to the customer by joining as a transaction customer It is preferable to make it.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

In addition, the reservation deposit information after the approval is based on the automatic reservation loan application information provided by the customer examines the loan application amount, and if the loan application is approved in response to the examination result to the account of the loan application customer As information for transferring a loan, it is preferable to include at least one or more loan application customer account number, the reservation deposit approval information, etc., to which the customer's loan is deposited.

According to the implementation method of the present invention, the reservation deposit information after the approval is preferred to exclude the loan examination period and non-working days, but in the case of credit loans that do not require a loan examination period includes depositing the loan immediately to the customer account after the loan application It is desirable to.

In addition, the customer wireless terminal information is based on the automatic reservation loan application information provided by the customer examines the loan application amount, and in response to the examination result, the loan approval is determined and the loan is determined by the loan application customer When the deposit is made into the account, the deposit result may include a wireless terminal number for transmitting an SMS text message or ARS voice announcement to the customer wireless terminal associated with the loan payment account, and the automatic reservation loan application provided by the customer. Based on the information, the loan application amount is examined and the loan approval is determined in response to the examination result. When the loan is deposited into the account of the loan application customer, the deposit result is transferred to the customer wired terminal linked to the loan payment account. It is also possible to add additional customer wired terminal information including wired terminal number for transmitting ARS voice announcement. The.

According to an exemplary embodiment of the present invention, the customer wireless terminal information includes at least one or more of a portable Internet terminal used by the customer, a high speed downlink packet access (HSDPA) or a wireless broadband based wireless terminal. It is preferable to include at least one or more messenger ID or e-mail address in the terminal.

Also, the deposit reservation date information may include date information (eg, xxxxxxxxxxxx) for depositing a loan into the account of the customer applying for the loan on a desired date after the loan approval decision.

According to one embodiment of the invention, the storage medium 2845 is preferably provided in a DBMS on a financial system provided on (or associated with) the loan processing system, wherein the storage medium 2845 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 2845 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The loan processing server 2800 provided on the loan processing system according to the present invention is a generic term for the loan processing system side components connected to the loan application terminal 2840 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the loan application terminal 2840 is a client terminal including a wired terminal and / or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the loan processing server 2800. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external world on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device) and / or a program provided in the external world on the financial system, whereby the present invention It shall not be limited.

According to another embodiment of the present invention, when the loan application terminal 2840 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the loan processing server 2800 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the outside world of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the loan application terminal 2840 is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the loan processing server 2800 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to any server (or device) that is accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, thereby limiting the present invention It does not.

According to another embodiment of the present invention, when the loan application terminal 2840 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the loan processing server 2800 A predetermined server (or a TV banking server provided on the TV banking system) and / or a program provided on the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program included in the server (or device), and / or a server (or externally provided on the external system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external world on the financial system, by which the present invention is not limited.

According to the embodiment of the present invention, the loan processing server 2800 includes an interface unit (interface means) 2805 for connecting and managing a predetermined communication channel with the loan request terminal 2840 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the loan application terminal 2840 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 2805 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 2805 connects a communication channel with the client terminal based on the TCP / IP protocol. A communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTTP protocol defined in the browser program is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the loan processing server 2800, the interface unit 2805 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the loan application terminal 2840 is a financial automatic device connected to a predetermined financial network, the interface unit 2805 may be based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the loan application terminal 2840 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2805 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 2805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the loan processing server 2800, the interface unit 2805 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the loan application terminal 2840 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 2805 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 2805 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the loan application terminal 2840 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 2805 is a protocol defined in the TV banking system. Based on a stack, at least one or more pieces of information are connected using a communication protocol defined in a communication program provided in the wired terminal (or interactive digital TV) and a predetermined communication channel. Or data) communication interface for transmitting and receiving.

Referring to FIG. 28, the loan processing server 2800 is automatically connected when a predetermined loan application terminal 2840 connects a predetermined communication channel with the loan processing server 2800 through the interface unit 2805. Generate (or extract) at least one user interface for inputting (or selecting) predetermined automatic reservation loan application information from the loan application terminal 2840 to transmit to the loan processing server 2800 for a reservation loan deposit processing. And an interface provider (or interface providing means) 2810 for providing the generated (or extracted) user interface to the loan application terminal 2840 in association with the interface unit 2805, and the loan application terminal ( In 2840, when the automatic reservation loan application information is input (or selected) through the user interface and transmitted, the loan unit is linked with the interface unit 2805. Provided with a terminal information receiving unit for receiving the information transmitted from the automatic reservation loan application (2840) (or an information receiving means) (2815) it is characterized in that formed.

The interface provider 2810 connects the loan processing terminal 2840 with the loan processing server 2800 and a predetermined communication channel through the interface unit 2805 to the loan processing server 2800. When requesting a user interface for the automatic reservation loan deposit processing, the loan application terminal 2840 inputs (or selects) predetermined automatic reservation loan application information and transmits it to the loan processing server 2800 through the network means. Generate at least one user interface and / or extract it from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 2805 via the network means. Characterized in that provided to the application terminal (2840).

According to an embodiment of the present invention, when the loan application terminal 2840 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 2810 may include a browser program provided in the client terminal; And / or generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2805.

According to another embodiment of the present invention, when the loan application terminal 2840 is a financial automation device connected to a predetermined financial network, the interface providing unit 2810 is a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 2805.

According to another exemplary embodiment of the present invention, when the loan application terminal 2840 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2810 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and to provide the client terminal with the generated (or extracted) user interface through the interface unit 2805.

According to another exemplary embodiment of the present invention, when the loan application terminal 2840 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 2810 may be configured as the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 2805 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the loan application terminal 2840 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 2810 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 2805. .

At least one user for inputting (or selecting) predetermined automatic reservation loan application information to the loan application terminal 2840 according to another embodiment of the present invention and transmitting it to the loan processing server 2800 through the network means. When a predetermined information registration program having an interface is provided, a user interface for inputting (or selecting) predetermined automatic reservation loan application information as described above to be transmitted to the loan processing server 2800 is generated (or extracted). The interface providing unit 2810 provided to the loan application terminal 2840 may be omitted, and the present invention is not limited thereto.

Thereafter, the loan application terminal 2840 provides the automatic reservation loan application information including at least one of the customer information, the loan application information, the reservation deposit information after the approval, the deposit reservation date information, and the customer wireless terminal information through the user interface. Input (or select) and transmit the input (or select) the automatic reservation loan application information to the loan processing server 2800 through the network means, and correspondingly, the information receiving unit 2815 is the interface unit ( 2805, the automatic reservation loan application information transmitted from the loan application terminal 2840 is received.

According to the implementation method of the present invention, the loan application terminal 2840, the automatic reservation loan application information including at least one or more of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information OTP code generated through a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for confirming the validity of the automatic reservation loan application information in the loan processing server 2800 It is preferable to further include at least one to transmit to the loan processing server 2800 through the network means.

According to the implementation method of the present invention, the loan application terminal 2840, the automatic reservation loan application information including at least one or more of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information And / or encrypt at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method), and / or It is preferable to attach a predetermined electronic signature to the automatic reservation loan application information and transmit it to the loan processing server 2800 through the network means. For this purpose, the loan application terminal 2840 is configured to at least correspond to the encryption scheme. Any certificate that has one or more encryption keys and / or includes at least one encryption key To be non-or, and / or the certificate is provided with the predetermined IC chip, if that is provided on (or IC card), the card to verify the certificate provided in the IC chip (or IC card) reader is preferred.

Those skilled in the art to which the present invention pertains include technical features for various encryption methods for encrypting the automatic reservation loan application information, and technical features for attaching a predetermined electronic signature to the automatic reservation loan application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 28, when the loan processing server 2800 receives the automatic reservation loan application information transmitted from the loan application terminal 2840 through the information receiving unit 2815, the received automatic reservation loan application information is received. Is characterized in that it comprises a validity verification unit (or validity verification means) 2820 to confirm whether the validity for the automatic reservation loan payment processing.

According to an embodiment of the present invention, the automatic reservation loan application information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity verification unit 2820 may use the at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme to the encrypted automatic reservation loan application information. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received automatic reservation loan application information.

Alternatively, when a predetermined electronic signature is attached to the automatic reservation loan application information, the validity verification unit 2820 checks the electronic signature attached to the automatic reservation loan application information, thereby receiving the received automatic reservation loan application information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted automatic reservation loan application information, and technology for confirming an electronic signature attached to the automatic reservation loan application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, when the automatic reservation loan application information received through the information receiving unit 2815 further includes a predetermined password for checking the validity of the automatic reservation loan application information, the validity confirmation unit 2820 may verify the validity of the received automatic reservation loan application information by comparing and authenticating the received password included in the automatic reservation loan application information with a password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the automatic reservation loan application information received through the information receiving unit 2815 further includes predetermined security card information for confirming the validity of the automatic reservation loan application information, the validity verification unit 2820 Compares and authenticates the security card information included in the automatic reservation loan application information and the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received automatic reservation loan application information. desirable.

Alternatively, when the automatic reservation loan application information received through the information receiving unit 2815 further includes a predetermined OTP code for checking the validity of the automatic reservation loan application information, the validity confirmation unit 2820 may By comparing and authenticating the received OTP code included in the automatic reservation loan application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received automatic reservation loan application information It is desirable to authenticate the validity of the.

According to the embodiment of the present invention, the validity of the automatic reservation loan application information is registered at least one or more ledger information matching the automatic reservation loan application information in the ledger D / B on the financial system associated with the loan processing system It is preferable to include checking whether it is done.

For example, the validity verification unit 2820 may be configured to include a ledger D / B on a financial system in which the customer information (customer personal information or member information, etc.) is included in the automatic reservation loan application information. It is preferable to include a check that matches the customer ledger stored in the.

In addition, the validation of the automatic reservation loan application information includes checking at least one of information included in the automatic reservation loan application information, whether the deposit reservation date and time information is a date or a holiday before a current period or a holiday date. It is preferable to make it.

Referring to FIG. 28, when the validity of the automatic reservation loan application information is authenticated through the validity verification unit 2820, the loan processing server 2800 includes a predetermined automatic including the received automatic reservation loan application information. Electronic document generation unit (or electronic document generating means) 2825 for generating a reservation loan application electronic document, and an electronic document transmission for transmitting the generated automatic reservation loan application electronic document to an electronic document repository associated with the loan processing system. It is characterized by comprising a portion (or electronic document transmission means) 2830.

The electronic document generating unit 2825 generates an automatic reservation loan application electronic document including the automatic reservation loan application information received from the loan application terminal 2840 through the information receiving unit 2815.

According to an exemplary embodiment of the present invention, the electronic document generator 2825 may include customer information included in the automatic reservation loan application information received through the information receiver 2815, loan application information, reservation deposit information after approval, and deposit. A document content including at least one reservation date information and customer wireless terminal information is generated, and a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) including the document content. It is preferable to process a word processor file including at least one of / DOC or the like, or a web document file including an MHT) into an automatic reservation loan application electronic document for the automatic reservation loan deposit processing.

Alternatively, the electronic document generation unit 2825 may include customer information included in the automatic reservation loan application information received through the information receiving unit 2815, loan application information, reservation deposit information after approval, deposit reservation date information, and a customer wireless terminal. Generating document content including at least one piece of information, wherein the document content includes at least one of customer information included in the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information; After including one or more pieces of information in a watermarking manner, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing document content including the watermarking. Depositing a word processor file including at least one DOC or a web document file including MHT) Be treated as automatic scheduled loan is preferred for electronic document.

Alternatively, the electronic document generation unit 2825 may include customer information included in the automatic reservation loan application information received through the information receiving unit 2815, loan application information, reservation deposit information after approval, deposit reservation date information, and a customer wireless terminal. The automatic reservation loan for generating an image file including at least one information, and an image file including image content captured by capturing the document content (for example, image content generated by capturing the document content on a memory). It is preferable to process the electronic reservation loan application for deposit processing.

Alternatively, the electronic document generation unit 2825 may include customer information included in the automatic reservation loan application information received through the information receiving unit 2815, loan application information, reservation deposit information after approval, deposit reservation date information, and a customer wireless terminal. Generating document content including at least one information, and included in the automatic reservation loan application information in image content (eg, image content generated by capturing the document content on a memory) captured by the document content; An image including the image content including the watermarking after including at least one or more information of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information in a watermarking method (watermarking) method It is preferable to process a file as an electronic reservation loan application electronic document for the automatic reservation loan deposit processing. Do.

According to another exemplary embodiment of the present invention, the electronic document generation unit 2825 may include customer information included in the automatic reservation loan application information received through the information receiving unit 2815, loan application information, reservation deposit information after approval, Generate document content including at least one deposit reservation date information and customer wireless terminal information, and includes image content (eg, image content generated by capturing the document content on a memory). A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a, it is preferable to process the automatic reservation loan application electronic document for the automatic reservation loan deposit processing.

Alternatively, the electronic document generation unit 2825 may include customer information included in the automatic reservation loan application information received through the information receiving unit 2815, loan application information, reservation deposit information after approval, deposit reservation date information, and a customer wireless terminal. Generating document content including at least one information, and included in the automatic reservation loan application information in image content (eg, image content generated by capturing the document content on a memory) captured by the document content; Generate image contents including at least one or more of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information in a watermarking manner, and the image including the watermarking. A document file containing the content (eg, a Portable Document Format (PDF) file, or an Electronic Data Interchange (EDI) file, It is desirable to handle with automatic scheduled loan electronic documents for by creating such a web document file containing a word processor file or MHT containing at least one such HWP / DOC), the automatic scheduled loan payment processing.

According to another exemplary embodiment of the present invention, the electronic document generator 2825 may include customer information included in the automatic reservation loan application information received through the information receiver 2815, loan application information, and reservation deposit information after approval. Image content (eg, image content generated by capturing the document content on a memory) and generating document content including at least one deposit reservation date information and customer wireless terminal information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the automatic reservation loan application information, or an MHT. By generating a web document file, including), the automatic reservation loan application for automatic deposit loan processing is processed as an electronic document It is preferable.

Alternatively, the electronic document generation unit 2825 may include customer information included in the automatic reservation loan application information received through the information receiving unit 2815, loan application information, reservation deposit information after approval, deposit reservation date information, and a customer wireless terminal. Generating document content including at least one information, and included in the automatic reservation loan application information in image content (eg, image content generated by capturing the document content on a memory) captured by the document content; Generate image contents including at least one or more of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information in a watermarking manner, and the image including the watermarking. A document file (eg, a Portable Document Format (PDF) file) containing contents and the automatic reservation loan application information; An electronic reservation loan application for the automatic reservation loan deposit processing by generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is preferable to process the document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 2825, the technical features of generating an automatic reservation loan application electronic document of the image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the automatic reservation loan application electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 2830 may transmit and store the automatic reservation loan application electronic document generated by the electronic document generating unit 2825 to a predetermined electronic document repository associated with the loan processing system. .

As shown in FIG. 28, the electronic document repository is connected with a loan processing server 2800 on the loan processing system through a predetermined communication means, and a predetermined electronic document server 2850 and an electronic document D / B 2870. When provided externally, the electronic document transmission unit 2830 is the electronic document server 2850 via the communication means for the automatic reservation loan application electronic document generated by the electronic document generation unit 2825 It is characterized in that for transmitting.

Here, when the electronic document server 2850 and the electronic document D / B 2870 are provided outside the loan processing system, the electronic document server 2850 and the electronic document D / B 2870 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the loan processing system, the electronic document transmitting unit 2830 is automatically generated by the electronic document generating unit 2825. It is possible to store the reservation loan application electronic document in the electronic document D / B (2870) corresponding to the electronic document storage on the DBMS provided in the loan processing system, by which the present invention is not limited.

According to the embodiment of the present invention, the electronic document transmission unit 2830 inputs electronic document related information (eg, the automatic reservation loan application information) for generating predetermined electronic document management information in the electronic document server 2850. (Optional) customer information transmitted, and / or financial institution information for transmitting the automatic reservation loan application electronic document, and / or electronic document file format information, and / or the automatic reservation loan application information, etc.) It is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 28, the loan processing server 2800 verifies that the automatic reservation loan application information received through the information receiving unit 2815 is validated for the automatic reservation loan deposit processing through the validity checking unit 2820. If necessary, the customer information, the loan application information, the reservation deposit information, the deposit reservation date information, and the customer wireless terminal information included in the valid automatic reservation loan application information is verified and linked to a predetermined storage medium 2845. And an information storage unit (or information storage means) 2835 for storing.

When the validity of the automatic reservation loan application information is confirmed by the validity confirmation unit 2820, the information storage unit 2835 includes the customer information included in the automatic reservation loan application information, loan application information, and reservation deposit after approval. Information, a deposit reservation date information, and a customer wireless terminal information are linked and stored in the storage medium 2845, wherein the storage medium 2845 is provided in the loan processing server 2800 or the loan processing. When provided on the network associated with the server 2800, the information storage unit 2835 is the customer information included in the received automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date and time information It is preferable to store the information on the storage medium 2845 by cooperatively processing the customer wireless terminal information. When the storage medium 2845 is provided in a DBMS provided on a financial system, The information storage unit 2835 stores the customer information included in the received automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information through an external system on the financial system. It is desirable to provide a system and store it in a DBMS provided on the financial system.

Referring to FIG. 28, an electronic document which receives a predetermined automatic reservation loan application electronic document from the loan processing server 2800 provided on the loan processing system and stores and manages it in a predetermined electronic document D / B 2870 The server 2850 may include an electronic document receiver 2855 for receiving a predetermined automatic reservation loan application electronic document from the loan processing server 2800 through a predetermined communication means, and the received automatic reservation loan application electronic document. An information generation unit 2860 for generating predetermined electronic document management information for storing and managing in the electronic document D / B 2870, and the electronic document management information and the automatic reservation loan application electronic document are processed in a predetermined manner. An electronic document storage unit 2865 for storing in the electronic document D / B 2870 is provided.

The electronic document receiving unit 2855 may receive an automatic reservation loan application electronic document in the form of an image file and / or a document file from the loan processing server 2800 through the communication means.

According to one embodiment of the present invention, the automatic reservation loan application electronic document received by the electronic document receiving unit 2855 through the communication means is automatically received by the loan processing server 2800 from the loan application terminal 2840. A document file (eg, PDF (Portable Document Format) including document contents including at least one or more of customer information included in the reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

Alternatively, the automatic reservation loan application electronic document received by the electronic document receiver 2855 through the communication means may be included in the automatic reservation loan application information received by the loan processing server 2800 from the loan application terminal 2840. Document information including at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information, customer information included in the automatic reservation loan application information, loan application information, reservation after approval After including at least one or more of the deposit information, the deposit reservation date information, customer wireless terminal information by the watermarking method, a document file (eg, PDF (Portable Document Format) containing document content including the watermarking) A file, or a word processor file including at least one of an EDI (Electronic Data Interchange) file, an HWP / DOC, or the like, or an MHT. Web document files, etc.) to be included.

Alternatively, the automatic reservation loan application electronic document received by the electronic document receiver 2855 through the communication means may be included in the automatic reservation loan application information received by the loan processing server 2800 from the loan application terminal 2840. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information. Preferably an image file containing one image content).

Alternatively, the automatic reservation loan application electronic document received by the electronic document receiver 2855 through the communication means may be included in the automatic reservation loan application information received by the loan processing server 2800 from the loan application terminal 2840. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information. An image content) including at least one or more of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information included in the automatic reservation loan application information in a watermarking manner. After that, the watermarking may include an image file including image content. It is.

According to another exemplary embodiment of the present invention, the automatic reservation loan application electronic document received by the electronic document receiver 2855 through the communication means is received by the loan processing server 2800 from the loan application terminal 2840. Image content capturing document content including at least one of customer information included in the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information (eg, the At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content generated by capturing document content on a memory. Word processor files, or web document files containing MHT).

* Alternatively, the automatic reservation loan application electronic document received by the electronic document receiving unit 2855 through the communication means is included in the automatic reservation loan application information received by the loan processing server 2800 from the loan application terminal 2840. Image content (e.g., capturing the document content on the memory by capturing document content including at least one or more of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information) Watermarking method of at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information included in the automatic reservation loan application information in the generated image content) A document file including image content including the watermark and generating the image content including the watermark; A portable document format (F) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the automatic reservation loan application electronic document received by the electronic document receiver 2855 through the communication means is received by the loan processing server 2800 from the loan application terminal 2840. Image content (e.g., captured) of document content including at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information included in an automatic reservation loan application information (for example, A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing the document content generated by capturing the document content on a memory and the automatic reservation loan application information. A word processor file including at least one DOC, or a web document file including MHT). It is right.

Alternatively, the automatic reservation loan application electronic document received by the electronic document receiver 2855 through the communication means may be included in the automatic reservation loan application information received by the loan processing server 2800 from the loan application terminal 2840. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information. At least one or more of customer information included in the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information in one image content) in a watermarking manner. Generating image content, the image content including the watermarking and the automatic reservation loan application information A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

The information generating unit 2860 is a predetermined electronic document unique number (or unique information) to be assigned to the automatic reservation loan application electronic document received through the electronic document receiving unit 2855, and through the electronic document receiving unit 2855 And generating electronic document management information including electronic document storage date and time information including a date and time at which the automatic reservation loan application electronic document was received (or a date and time at which the automatic reservation loan application electronic document was stored). .

According to an exemplary embodiment of the present invention, the information generating unit 2860 refers to the loan processing server 2800 that has transmitted the automatic reservation loan application electronic document received through the electronic document receiving unit 2855, and automatically reserves the automatic reservation. It is preferable to identify the financial institution that has sent the loan application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the loan processing server 2800 through the electronic document receiving unit 2855, the information generating unit 2860 receives the received information. Electronic document-related information (e.g., customer information transmitted by inputting (selecting) the automatic reservation loan application information and / or financial institution information transmitting the automatic reservation loan application electronic document, and / or electronic document file format information, And / or the automatic reservation loan application information, etc.).

The electronic document storage unit 2865 associates the automatic reservation loan application electronic document received through the electronic document receiving unit 2855 with the electronic document management information generated through the information generating unit 2860 to process a predetermined electronic document. It stores in the D / B (2870).

According to the exemplary embodiment of the present invention, the automatic reservation loan application electronic document stored in the electronic document D / B 2870 by the electronic document storage unit 2865 is the loan processing server 2800 by the loan application terminal ( Document file including document contents including at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information included in the automatic reservation loan application information received from 2840 (for example, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

Alternatively, the automatic reservation loan application electronic document stored in the electronic document D / B 2870 by the electronic document storage unit 2865 is an automatic reservation received by the loan processing server 2800 from the loan application terminal 2840. Customer information included in the automatic reservation loan application information in the document content including at least one of customer information included in the loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information, loan After including at least one or more information of the application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information in a watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, Word processor file including at least one of Portable Document Format (PDF) file, Electronic Data Interchange (EDI) file, HWP / DOC, etc., or MHT It comprises a web page file, and so on), including preferred.

Alternatively, the automatic reservation loan application electronic document stored in the electronic document D / B 2870 by the electronic document storage unit 2865 is an automatic reservation received by the loan processing server 2800 from the loan application terminal 2840. Image content capturing document content including at least one or more of customer information included in the loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information (eg, the document content). Preferably includes an image file including image content generated by capturing the image on a memory.

Alternatively, the automatic reservation loan application electronic document stored in the electronic document D / B 2870 by the electronic document storage unit 2865 is an automatic reservation received by the loan processing server 2800 from the loan application terminal 2840. Image content capturing document content including at least one or more of customer information included in the loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information (eg, the document content). Watermarking at least one or more of the customer information included in the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information to the image content generated by capturing the image on the memory) After the watermarking method is included, the watermarking may include an image file including the image content including the watermarking. Preferable.

According to another exemplary embodiment of the present invention, the automatic reservation loan application electronic document stored in the electronic document D / B 2870 by the electronic document storage unit 2865 is the loan processing server 2800. Capturing document content including at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information included in the automatic reservation loan application information received from the terminal 2840 (Capture) A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing an image content (e.g., image content generated by capturing the document content on a memory). And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, the automatic reservation loan application electronic document stored in the electronic document D / B 2870 by the electronic document storage unit 2865 is an automatic reservation received by the loan processing server 2800 from the loan application terminal 2840. Image content capturing document content including at least one or more of customer information included in the loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information (eg, the document content). Watermarking at least one or more of the customer information included in the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information to the image content generated by capturing the image on the memory) A document file (eg, P) that generates image content including the watermarking method and includes the image content including the watermarking. A DF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT.

According to another embodiment of the present invention, the automatic reservation loan application electronic document that the electronic document storage unit 2865 stores in the electronic document D / B (2870) the loan processing server 2800 the loan application Capturing document content including at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information included in the automatic reservation loan application information received from the terminal 2840 (Capture) A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including an image content (e.g., image content generated by capturing the document content on a memory) and the automatic reservation loan application information. File), a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is good.

Alternatively, the automatic reservation loan application electronic document stored in the electronic document D / B 2870 by the electronic document storage unit 2865 is an automatic reservation received by the loan processing server 2800 from the loan application terminal 2840. Image content capturing document content including at least one or more of customer information included in the loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information (eg, the document content). Image content generated by capturing the data in a memory) at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information included in the automatic reservation loan application information. Generate image content including a watermarking method, and the image content including the watermarking and the automatic reservation loan application information. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or the like), or a web document file including an MHT). It is preferable to comprise a.

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 2870 by the electronic document storage unit 2865 in association with the automatic reservation loan application electronic document is stored in the automatic reservation loan. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 2870 by the electronic document storage unit 2865 in association with the automatic reservation loan application electronic document is stored in the automatic reservation. It is preferable to further include information on the financial institution that has transmitted the automatic reservation loan application electronic document confirmed with reference to the loan processing server (2800) that sent the loan application electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document-related information is further received from the loan processing server 2800, the electronic document storage unit 2865 performs processing in association with the automatic reservation loan application electronic document. The electronic document management information stored in the electronic document D / B 2870 may include the received electronic document related information (eg, customer information transmitted by inputting (selecting) the automatic reservation loan application information and / or the automatic). Financial institution information for transmitting the reservation loan application electronic document, and / or the electronic document file format information, and / or the automatic reservation loan application information, etc.).

29 is a diagram showing the configuration of automatic reservation loan application information stored in the ledger D / B 2905 provided in the DBMS on the financial system 2900 in a non-face-to-face manner for automatic reservation loan deposit processing according to an embodiment of the present invention. Drawing.

More specifically, FIG. 29 illustrates that when the storage medium 2845 illustrated in FIG. 28 is the ledger D / B 2905 provided in the DBMS on the financial system 2900, the ledger D / B 2905 is provided. The information structure of the method for performing the automatic reservation loan application information including the customer information, the loan application information, the reservation deposit information after the approval, the deposit reservation date information, and the customer wireless terminal information is stored in the ledger information. Those skilled in the art can infer various information construction methods for storing the automatic reservation loan application information in the ledger D / B 2905 by referring to and / or modifying the drawing 29. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 29 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 2905 provided in the DBMS on the financial system 2900 may include a predetermined customer ledger and an account associated with the customer ledger. It is shown as including a ledger (for example, a ledger, loan ledger, etc.) and at least one information associated with the account ledger, the person who has ordinary knowledge in the technical field to which the present invention belongs, the financial system 2900 Ledger D / B (2905) provided in the DBMS on the) at least one or more ledgers (e.g., loan ledger, mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and account ledger shown in Figure 29 It will be clearly understood that at least one additional information for maintenance and management is further included, and the specific technical matters for this will be understood. Is omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. At least one country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 29, the automatic reservation loan application information provided through the loan processing system shown in FIG. 28 is stored in the form of additional information added to the account ledger, and the automatic reservation loan application information is stored in the customer information. , Loan application information, after the approval reservation deposit information, deposit reservation date information, customer wireless terminal information characterized in that it comprises at least one.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (eg, the customer is finance of the financial institution) By signing up as a transaction customer, at least member ID information, CIF (Customer Information File), etc., which are provided in the customer ledger provided on the financial system 2900 associated with the loan processing system, are corresponding to the customer. It is preferable to include one or more.

In addition, the loan application information, loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) ) At least one or more.

In addition, the reservation deposit information after the approval is based on the automatic reservation loan application information provided by the customer to review the loan application amount, and if the loan application is approved in response to the examination result to the loan application customer's account As information for transferring a loan, it is preferable to include at least one or more loan application customer account number, the reservation deposit approval information, etc., to which the customer's loan is deposited.

According to the implementation method of the present invention, the reservation deposit information after the approval is preferred to exclude the loan examination period and non-working days, but in the case of credit loans that do not require a loan examination period includes depositing the loan immediately to the customer account after the loan application It is desirable to.

In addition, the customer wireless terminal information is based on the automatic reservation loan application information provided by the customer examines the loan application amount, and in response to the examination result, the loan approval is determined and the loan is determined by the loan application customer When the deposit is made into the account, the deposit result may include a wireless terminal number for transmitting an SMS text message or ARS voice announcement to the customer wireless terminal associated with the loan payment account, and the automatic reservation loan application provided by the customer. Based on the information, the loan application amount is examined and the loan approval is determined in response to the examination result. When the loan is deposited into the account of the loan application customer, the deposit result is transferred to the customer wired terminal linked with the loan payment account. It is also possible to add additional customer wired terminal information including wired terminal number for transmitting ARS voice announcement. have.

According to an exemplary embodiment of the present invention, the customer wireless terminal information includes at least one or more of a portable Internet terminal used by the customer, a high speed downlink packet access (HSDPA) or a wireless broadband based wireless terminal. It is preferable to include at least one or more messenger ID or e-mail address in the terminal.

Also, the deposit reservation date information may include date information (eg, xxxxxxxxxxxx) for depositing a loan into the account of the customer applying for the loan on a desired date after the loan approval decision.

According to another embodiment of the present invention, the automatic reservation loan application information is stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (eg, the customer ledger). It is possible to be stored in the form of additional information to be added and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

30 is an automatic reservation loan application stored in a database associated with the ledger D / B 3000 provided in the DBMS on the financial system 2900 in a non-face-to-face manner for automatic reservation loan deposit processing according to another embodiment of the present invention. It is a figure which shows an information structure.

More specifically, FIG. 30 illustrates an embodiment in which the storage medium 3005 illustrated in FIG. 28 is stored in a predetermined database linked to the ledger D / B 3000 provided in the DBMS on the financial system 2900. FIG. 30 illustrates an information structure, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 30 to transfer the automatic reservation loan application information to a predetermined database in the ledger D / B ( It will be possible to infer various information configuration methods to be stored in association with 3000, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, in the drawing 30, it is not easy to store the automatic reservation loan application information in the ledger information of the ledger D / B 3000 on the DBMS provided on the financial system 2900 (for example, the policy of a financial institution). When it is not easy to change the ledger D / B 3000 of the phase DBMS, or the system expansion is not easy due to the characteristics of the financial system 2900, the predetermined database may be used instead of the ledger D / B 3000. A method of storing automatic reservation loan application information and storing the automatic reservation loan application information in association with the database and the ledger D / B 3000 is illustrated.

In addition, the database shown in FIG. 30 does not have to be provided on a DBMS provided on the financial system 2900 as in the embodiment method shown in FIG. 30, and the database on the Internet banking system according to the intention of the skilled person, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 30, the database is characterized in that the customer information included in the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, and store the customer wireless terminal information in association Preferably, the automatic reservation loan application information further includes a CIF number corresponding to the ledger information in the automatic reservation loan application information to be processed in connection with the ledger D / B 3000.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (eg, the customer is finance of the financial institution) By registering as a transaction customer, at least member ID information, or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 2900 associated with the loan processing system in correspondence with the customer, It is preferable to include one or more.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

In addition, the reservation deposit information after the approval is based on the automatic reservation loan application information provided by the customer to review the loan application amount, and if the loan application is approved in response to the examination result to the loan application customer's account As information for transferring a loan, it is preferable to include at least one or more loan application customer account number, the reservation deposit approval information, etc., to which the customer's loan is deposited.

According to the implementation method of the present invention, the reservation deposit information after the approval is preferred to exclude the loan examination period and non-working days, but in the case of credit loans that do not require a loan examination period includes depositing the loan immediately to the customer account after the loan application It is desirable to.

In addition, the customer wireless terminal information is based on the automatic reservation loan application information provided by the customer examines the loan application amount, and in response to the examination result, the loan approval is determined and the loan is determined by the loan application customer When the deposit is made to the account, the deposit result may include a wireless terminal number for transmitting an SMS text message or ARS voice announcement to the customer wireless terminal associated with the loan payment account, and the automatic reservation loan provided by the customer. Based on the application information, the loan application amount is judged to be loaned, and in response to the result of the examination, when the loan approval is determined and the loan is deposited into the account of the loan application customer, the deposit result is transferred to the customer wired terminal linked to the loan payment account. You can also add additional customer wired terminal information, including wired terminal number, for sending ARS voice announcements. have.

According to an exemplary embodiment of the present invention, the customer wireless terminal information includes at least one or more of a portable Internet terminal used by the customer, a high speed downlink packet access (HSDPA) or a wireless broadband based wireless terminal. It is preferable to include at least one or more messenger ID or e-mail address in the terminal.

Also, the deposit reservation date information may include date information (eg, xxxxxxxxxxxx) for depositing a loan into the account of the customer applying for the loan on a desired date after the loan approval decision.

31 is a view showing the configuration of the automatic reservation loan application information stored in the DBMS provided in the banking server 3100 in a non-face to face for automatic reservation loan payment processing according to another embodiment of the present invention.

More specifically, FIG. 31 illustrates a predetermined banking system in which the storage medium 3005 shown in FIG. 28 is provided on an Internet banking system, a tele banking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment provided in the DBMS provided in the server 3100, those skilled in the art to which the present invention pertains, at least one banking server (see FIG. It will be able to infer the information configuration method for the automatic reservation loan application information stored in a predetermined DBMS provided in 3100, but the present invention includes all the implementation methods inferred, the implementation method shown in Figure 31 It is not limited to only.

Referring to FIG. 31, a predetermined DBMS provided in the banking server 3100 includes customer information included in the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, and a customer wireless terminal. Characterized in that the information is processed by linking.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (eg, the customer is finance of the financial institution) By signing up as a transaction customer, member ID information, CIF (Customer Information File), etc., provided in the customer book provided on the financial system 2900 associated with the loan processing system in response to the customer, It is preferable to comprise at least one or more.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

In addition, the reservation deposit information after the approval is based on the automatic reservation loan application information provided by the customer to review the loan application amount, and if the loan application is approved in response to the examination result to the loan application customer's account As information for transferring a loan, it is preferable to include at least one or more loan application customer account number, the reservation deposit approval information, etc., to which the customer's loan is deposited.

According to the implementation method of the present invention, the reservation deposit information after the approval is preferred to exclude the loan examination period and non-working days, but in the case of credit loans that do not require a loan examination period includes depositing the loan immediately to the customer account after the loan application It is desirable to.

In addition, the customer wireless terminal information is based on the automatic reservation loan application information provided by the customer examines the loan application amount, and in response to the examination result, the loan approval is determined and the loan is determined by the loan application customer When the deposit is made into the account, the deposit result may include a wireless terminal number for transmitting an SMS text message or ARS voice announcement to the customer wireless terminal associated with the loan payment account, and the automatic reservation loan application provided by the customer. Based on the information, the loan application amount is examined and the loan approval is determined in response to the examination result. When the loan is deposited into the account of the loan application customer, the deposit result is transferred to the customer wired terminal linked to the loan payment account. It is also possible to add additional customer wired terminal information including wired terminal number for transmitting ARS voice announcement. have.

According to an exemplary embodiment of the present invention, the customer wireless terminal information includes at least one or more of a portable Internet terminal used by the customer, a high speed downlink packet access (HSDPA) or a wireless broadband based wireless terminal. It is preferable to include at least one or more messenger ID or e-mail address in the terminal.

Also, the deposit reservation date information may include date information (eg, xxxxxxxxxxxx) for depositing a loan into the account of the customer applying for the loan on a desired date after the loan approval decision.

32A and 32B illustrate a process of registering automatic reservation loan application information in a non-face to face manner for automatic reservation loan deposit processing according to an embodiment of the present invention.

In more detail, FIGS. 32A and 32B show that a loan application terminal 2840 on the loan processing system shown in FIG. 28 is a client terminal, and the loan processing server 2800 is accessible to a client terminal through a predetermined network means. In the case of having a web server function, a predetermined customer receives customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information through the client terminal for the automatic reservation loan deposit processing. When providing the automatic reservation loan application information including at least one or more, the loan processing system generates a predetermined automatic reservation loan application electronic document including the provided automatic reservation loan application information and stores in a predetermined electronic document storage, Customer information, loan application information, and reservation after approval included in the automatic reservation loan application information The present invention relates to a method of storing deposit information, deposit reservation date information, and customer wireless terminal information in a predetermined storage medium 3005 by linking the present invention. And it can be inferred from various implementation methods for registering the automatic reservation loan application information from the client terminal to the loan processing server 2800 by referring to and / or modified with reference to Figure 32b, the present invention is all inferred implementation method It includes, and is not limited to the embodiment shown in Figure 32a and Figure 32b.

For example, in the method shown in FIGS. 32A and 32B, the loan processing server 2800 provides a user interface for the client terminal to input (or select) the automatic reservation loan application information through a predetermined web page. Although illustrated as being provided, when the client terminal is provided with a predetermined information registration program, the user interface may not be provided from the loan processing server 2800, and the present invention is not limited thereto.

32A and 32B, the client terminal shown in FIG. 28 is referred to as " terminal " for convenience, and the loan processing server 2800 shown in FIG. 28 is referred to as " server " for convenience. The customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information transmitted to the loan processing server 2800 are referred to as "automatic reservation loan application information" for convenience.

32A and 32B, when the client terminal illustrated in FIG. 28 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the automatic When requesting a web page including a user interface for the reservation loan deposit processing (3200), the server correspondingly the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information Web including a user interface for inputting (or selecting) automatic reservation loan application information including at least one or more to be transmitted to the server Not generate (or extract), and 3205, and outputs via the network means sends a web page containing the created user interface (or extract) to the mobile station (3210).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the automatic reservation loan application information registration procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs the automatic reservation loan application information including at least one or more customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information through the user interface included in the web page ( Or select (3215).

If the terminal receives (or selects) automatic reservation loan application information including the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information through the user interface (3220). The terminal transmits the input (or selected) customer information, loan application information, reserved deposit information, deposit reservation date information, and customer wireless terminal information to the server through the communication channel (3225).

According to the implementation method of the present invention, the terminal in the server to the automatic reservation loan application information including at least one or more of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information; The network means further includes at least one or more predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the automatic reservation loan application information. It is preferable to transmit to the server via.

According to an embodiment of the present invention, the terminal encrypts at least one or more automatic reservation loan application information including at least one of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information. Encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or the automatic reservation loan application. Preferably, a predetermined electronic signature is attached to the information and transmitted to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or at least one encryption. Have a predetermined certificate containing a key, and / or the certificate is For a provided in the IC chip (or IC card), it is preferred that the IC chip (or IC card) card reader for identifying the certificate provided in the provided.

According to an embodiment of the present invention, the terminal encrypts at least one or more automatic reservation loan application information including at least one of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information. Method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and transmitted to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or the public certificate. Is provided in a predetermined IC chip (or IC card), the official provided in the IC chip (or IC card) It is preferable that a card reader for verifying a certificate is provided.

Those skilled in the art to which the present invention pertains include technical features for various encryption methods for encrypting the automatic reservation loan application information, and technical features for attaching a predetermined electronic signature to the automatic reservation loan application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the loan application information, the reservation deposit information after the approval, the deposit reservation date information, and the customer wireless terminal information through the communication channel to confirm the validity of the automatic reservation loan application information. (3230).

According to an embodiment of the present invention, the automatic reservation loan application information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption scheme, the server may convert the encrypted automatic reservation loan application information into at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is desirable to authenticate the validity of the received automatic reservation loan application information.

Alternatively, when a predetermined electronic signature is attached to the automatic reservation loan application information, the server verifies the validity of the received automatic reservation loan application information by checking the electronic signature attached to the automatic reservation loan application information. It is preferable.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted automatic reservation loan application information, and technology for confirming an electronic signature attached to the automatic reservation loan application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, when the automatic reservation loan application information received through the information receiving unit 2815 further includes a predetermined password for checking the validity of the automatic reservation loan application information, the server may be configured as described above. It is preferable to authenticate the validity of the received automatic reservation loan application information by comparing and authenticating a password included in the automatic reservation loan application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the automatic reservation loan application information received through the information receiving unit 2815 further includes predetermined security card information for confirming the validity of the automatic reservation loan application information, the server reserves the automatic reservation loan. It is preferable to authenticate the validity of the received automatic reservation loan application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the automatic reservation loan application information received through the information receiving unit 2815 further includes a predetermined OTP code for checking the validity of the automatic reservation loan application information, the server requests the automatic reservation loan application. The validity of the received automatic reservation loan application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. It is desirable to authenticate.

According to an embodiment of the present invention, the validity confirmation of the automatic reservation loan application information is at least matched with the automatic reservation loan application information in the ledger D / B 3000 on the financial system 2900 associated with the loan processing system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity verification unit 2820 may be a ledger on a financial system 2900 in which the customer information (customer personal information or member information, etc.) of the information included in the automatic reservation loan application information is linked to the loan processing system. It is preferable to include a check that matches the customer ledger stored in the D / B (3000).

In addition, the validation of the automatic reservation loan application information includes checking at least one of information included in the automatic reservation loan application information, whether the deposit reservation date and time information is a date or a holiday before a current period or a holiday date. It is preferable to make it.

If the validity of the automatic reservation loan application information is not authenticated (3235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (3240), and the automatic reservation loan application information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the automatic reservation loan application information is authenticated (3235), the server at least one or more customer information, including the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, A predetermined document content including the customer wireless terminal information is generated (3245), and a predetermined automatic reservation loan application electronic document including the document content is generated (3250).

According to an exemplary embodiment of the present invention, the server includes at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information included in the received automatic reservation loan application information. Generating a document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the document content; Or a web document file including MHT) is preferably processed as an automatic reservation loan application electronic document for the automatic reservation loan deposit processing.

Alternatively, the server generates document content including at least one of customer information, loan application information, reservation deposit information, deposit reservation date information, customer wireless terminal information included in the received automatic reservation loan application information, After the document content includes at least one or more information of the customer information, loan application information, after the approval reservation deposit information, deposit reservation date information, customer wireless terminal information included in the automatic reservation loan application information in a watermarking method (Watermarking) A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including at least one document file including document content including the watermarking, or Web document file including MHT) to the automatic reservation loan application electronic document for the automatic reservation loan deposit processing Lee it is preferable to.

Alternatively, the server generates document content including at least one of customer information, loan application information, reservation deposit information, deposit reservation date information, customer wireless terminal information included in the received automatic reservation loan application information, Processing an image file including image content captured by the document content (for example, image content generated by capturing the document content on a memory) into an automatic reservation loan application electronic document for the automatic reservation loan deposit processing; It is preferable.

Alternatively, the server generates document content including at least one of customer information, loan application information, reservation deposit information, deposit reservation date information, customer wireless terminal information included in the received automatic reservation loan application information, Customer information included in the automatic reservation loan application information, loan application information, and reservation deposit information after approval in the image content captured by the document content (for example, image content generated by capturing the document content on a memory) After the at least one or more information, such as deposit reservation date information, customer wireless terminal information in a watermarking (Watermarking) method, an image file including the image content including the watermarking automatic reservation for the automatic deposit loan processing It is desirable to process the loan application electronically.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information included in the received automatic reservation loan application information. A predetermined document file (for example, PDF (Portable Document Format)) is generated that includes document content including an image content and includes image content (eg, image content generated by capturing the document content on a memory). File), or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to process the reservation loan application electronically.

Alternatively, the server generates document content including at least one of customer information, loan application information, reservation deposit information, deposit reservation date information, customer wireless terminal information included in the received automatic reservation loan application information, Customer information included in the automatic reservation loan application information, loan application information, and reservation deposit information after approval in the image content captured by the document content (for example, image content generated by capturing the document content on a memory) A document file including at least one of payment reservation date information and customer wireless terminal information in a watermarking manner, and including the watermarking image content (eg, PDF) At least one document format (EDI) file, an electronic data interchange (EDI) file, or an HWP / DOC file. By generating a word processor file, or a web document file including the MHT), it is preferable to process the automatic reservation loan application electronic document for the automatic reservation loan deposit processing.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information included in the received automatic reservation loan application information. A predetermined document file including document content including the above-described document content and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the automatic reservation loan application information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is preferable to process the electronic reservation loan application for automatic reservation loan deposit processing.

Alternatively, the server generates document content including at least one of customer information, loan application information, reservation deposit information, deposit reservation date information, customer wireless terminal information included in the received automatic reservation loan application information, The customer information included in the automatic reservation loan application information, the loan application information, the reservation deposit information after approval, in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content; A document file including image content including watermarking reservation date information and at least one of customer wireless terminal information by a watermarking method, the image file including the watermarking and the automatic reservation loan application information. (E.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files, or HWP / D By generating a word processor file including at least one or more OC, or a web document file including the MHT, etc.), it is preferable to process the automatic reservation loan application electronic document for the automatic reservation loan deposit processing.

Those skilled in the art to which the present invention pertains include technical features that the server generates an automatic reservation loan application electronic document in an image file format and / or a predetermined document file format, and the automatic reservation loan application electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated automatic reservation loan application electronic document in a predetermined electronic document storage (3255).

As shown in FIG. 28, the electronic document repository includes a predetermined electronic document server 2850 and an electronic document D / B 2870 linked to a server on the loan processing system through predetermined communication means. When provided, the server preferably transmits the generated automatic reservation loan application electronic document to the electronic document server 2850 via the communication means to store in the electronic document D / B (2870).

Alternatively, when the electronic document storage is provided on a DBMS provided in the loan processing system, the server corresponds to the electronic document storage on the DBMS provided in the loan processing system. It is possible to store in the electronic document D / B 2870, whereby the present invention is not limited.

According to the method of the present invention, the storing of the automatic reservation loan application electronic document in the electronic document storage is illustrated in FIG. 28 by linking the generated automatic reservation loan application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (2870).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the automatic reservation loan application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the automatic reservation loan application electronic document.

The electronic document management information may include predetermined electronic document-related information (eg, customer information transmitted by inputting (selecting) the automatic reservation loan application information and / or financial institution information transmitting the automatic reservation loan application electronic document). And / or the electronic document file format information, and / or the automatic reservation loan application information).

If the automatic reservation loan application electronic document is stored in the electronic document storage (3260), the server includes the customer information included in the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date and time information. The client wireless terminal information is linked and stored in a predetermined storage medium 3005 (3265), and predetermined automatic reservation loan application history information (e.g., the details of storing the automatic reservation loan application electronic document in the electronic document repository). , And / or (or details of storing the automatic reservation loan application information in the storage medium 3005) is generated (or extracted) and transmitted to the terminal (3270).

According to one embodiment of the invention, the storage medium 3005 is preferably provided in a DBMS on the financial system 2900 (or associated with the loan processing system) provided on the loan processing system, wherein The storage medium 3005 may be a ledger D / B 3000 provided in a DBMS on the financial system 2900, and / or a predetermined database associated with the ledger D / B 3000. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 3005 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

33A, 33B, and 33C illustrate a process of registering automatic reservation loan application information through a non-face-to-face financial transaction channel for automatic reservation loan deposit processing according to an embodiment of the present invention.

More specifically, FIGS. 33A, 33B, and 33C show the case where the loan processing system shown in FIG. 28 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, on the loan processing system shown in FIG. 28). In the case where the loan processing server 2800 is an internet banking server, the client terminal accesses the internet banking server through a TCP / IP based network (eg, the Internet) and performs a predetermined customer authentication procedure. Thereafter, when the client terminal transmits predetermined automatic reservation loan application information for automatic reservation loan deposit processing to the Internet banking server, the predetermined automatic reservation loan including the received automatic reservation loan application information at the Internet banking server. Generate the application electronic document and store it in a predetermined electronic document storage, and included in the automatic reservation loan application information The present invention relates to an implementation method of linking customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information in a predetermined storage medium 3005, in the technical field to which the present invention pertains. Those skilled in the art may infer various implementation methods for registering the automatic reservation loan application information through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawings 33a, 33b, and 33c. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 33A, 33B, and 33C.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 33A, 33B, and 33C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering automatic reservation loan application information between the client terminal and the internet banking server based on the browser program is illustrated, the present invention has a general knowledge in the art. Growing up, the client based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 33A, 33B, and 33C. Terminal and internet bang Although it may be possible to infer a method of connecting an Internet banking-based financial transaction channel for registering automatic reservation loan application information between servers, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figure 33a, 33b and 33c, Another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, may infer an implementation method of connecting a non-facing channel-based financial transaction channel for automatic reservation loan application information registration. Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in Figs. 33A, 33B, and 33C.

In the following Figures 33A, 33B and 33C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the loan processing server 2800 is referred to as "server" for convenience.

33A, 33B, and 33C, when the terminal executes a browser program and accesses the server through the TCP / IP-based network (3300a), the server connects the terminal and the server through the browser. The communication channel is connected to the communication channel (3305a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (3310a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (3315a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update 3320a.

If the terminal does not need to install and / or update the latest version of the security module for internet banking (3325a), or if the terminal does not need to load and / or update the security module for internet banking (3315a), the server may By activating the security module for internet banking mounted on the terminal, it connects the security channel for internet banking (or converts the communication channel between the terminal and the server to a secure channel) between the terminal and the server (x30a), where the Internet banking security An Channel refers to an electronic signature attached to a predetermined digital signature and / or to information (or data) required for security among information (or data) included in a web page provided from the server to the terminal. (And / or an encryption algorithm), the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the terminal may provide the server to the server for automatic reservation loan application information registration. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for automatic reservation loan application information registration. Attach a predetermined digital signature to information (or data) to be provided and / or at least When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or decryption function for the information (or data) by using the certificate of the customer mounted in the terminal. It is done.

When the secure channel for internet banking is connected, the server requests the terminal to perform an Internet banking customer authentication procedure through the browser program (3335a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, which includes authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication is performed. Data is preferably transmitted electronically and / or encrypted over the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (3340a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (3345a).

If the Internet banking customer authentication fails (3350a), the server blocks the Internet banking security channel for the terminal (3355a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (3350a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (3360a), where the Internet banking based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined automatic reservation loan application information for automatic reservation loan payment processing from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for the automatic reservation loan deposit processing to the server through an internet banking-based financial transaction channel (3300b), the server correspondingly requests the customer information and loan application. Generating a web page including a user interface for inputting (or selecting) automatic reservation loan application information including at least one of information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information; The web page including the generated (or extracted) user interface is output to the terminal through the internet banking-based financial transaction channel (3310b) (or extracted) (3305b).

According to an embodiment of the present invention, the web page inputs automatic reservation loan application information including at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information at the terminal. (Or select) a user interface, and / or predetermined password and / or security card information (e.g., to confirm validity for an Internet banking customer requesting to register the automatic reservation loan application information). Security card information printed on the security card issued to the customer during the internet banking application process, and / or one time password (OTP) (e.g., after the internet banking application process (or after the banking application)) User interface for entering a one-time password generated by an authenticator (or OTP authenticator) Further include a switch is preferred.

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times according to the automatic reservation loan application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) automatic reservation loan application information including at least one of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information through the information registration interface. (3315b).

If the terminal receives (or selects) automatic reservation loan application information including the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information through the user interface (3320b) The terminal transmits the input (or selected) automatic reservation loan application information to the server through the financial transaction channel (3325b).

According to the implementation method of the present invention, the terminal in the server to the automatic reservation loan application information including at least one or more of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, customer wireless terminal information; The network means further includes at least one or more predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the automatic reservation loan application information. It is preferable to transmit to the server via.

According to an embodiment of the present invention, the terminal encrypts at least one or more automatic reservation loan application information including at least one of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information. Encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or the automatic reservation loan application. Preferably, a predetermined electronic signature is attached to the information and transmitted to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or at least one encryption. Have a predetermined certificate containing a key, and / or the certificate is For a provided in the IC chip (or IC card), it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal encrypts at least one or more automatic reservation loan application information including at least one of the customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information. Method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and transmitted to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or the public certificate. Is provided in a predetermined IC chip (or IC card), the official provided in the IC chip (or IC card) It is preferable that a card reader for verifying a certificate is provided.

Those skilled in the art to which the present invention pertains include technical features for various encryption methods for encrypting the automatic reservation loan application information, and technical features for attaching a predetermined electronic signature to the automatic reservation loan application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the automatic reservation loan application information through the financial transaction channel to check the validity of the automatic reservation loan application information (3330b).

According to an embodiment of the present invention, the automatic reservation loan application information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption scheme, the server may convert the encrypted automatic reservation loan application information into at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is desirable to authenticate the validity of the received automatic reservation loan application information.

Alternatively, when a predetermined electronic signature is attached to the automatic reservation loan application information, the server verifies the validity of the received automatic reservation loan application information by checking the electronic signature attached to the automatic reservation loan application information. It is preferable.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted automatic reservation loan application information, and technology for confirming an electronic signature attached to the automatic reservation loan application information. Since you will be familiar with the features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the automatic reservation loan application information received through the information receiving unit 2815 further includes a predetermined password for checking the validity of the automatic reservation loan application information, the server may be configured as described above. It is preferable to authenticate the validity of the received automatic reservation loan application information by comparing and authenticating a password included in the automatic reservation loan application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the automatic reservation loan application information received through the information receiving unit 2815 further includes predetermined security card information for confirming the validity of the automatic reservation loan application information, the server reserves the automatic reservation loan. It is preferable to authenticate the validity of the received automatic reservation loan application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the automatic reservation loan application information received through the information receiving unit 2815 further includes a predetermined OTP code for checking the validity of the automatic reservation loan application information, the server requests the automatic reservation loan application. The validity of the received automatic reservation loan application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validity confirmation of the automatic reservation loan application information is at least matched with the automatic reservation loan application information in the ledger D / B 3000 on the financial system 2900 associated with the loan processing system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity verification unit 2820 may be a ledger on a financial system 2900 in which the customer information (customer personal information or member information, etc.) of the information included in the automatic reservation loan application information is linked to the loan processing system. It is preferable to include a check that matches the customer ledger stored in the D / B (3000).

In addition, the validation of the automatic reservation loan application information includes checking at least one of information included in the automatic reservation loan application information, whether the deposit reservation date and time information is a date or a holiday before a current period or a holiday date. It is preferable to make it.

If the validity of the automatic reservation loan application information is not authenticated (3335b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (3340b), and the automatic reservation loan application information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the automatic reservation loan application information is authenticated (3335b), the server at least one or more customer information, including the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date information, A predetermined document content including the customer wireless terminal information is generated (3345b), and a predetermined automatic reservation loan application electronic document including the document content is generated (3350c).

According to an exemplary embodiment of the present invention, the server includes at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information included in the received automatic reservation loan application information. Generating a document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the document content; Or a web document file including MHT) is preferably processed as an automatic reservation loan application electronic document for the automatic reservation loan deposit processing.

Alternatively, the server generates document content including at least one of customer information, loan application information, reservation deposit information, deposit reservation date information, customer wireless terminal information included in the received automatic reservation loan application information, After the document content includes at least one or more information of the customer information, loan application information, after the approval reservation deposit information, deposit reservation date information, customer wireless terminal information included in the automatic reservation loan application information in a watermarking method (Watermarking) A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including at least one document file including document content including the watermarking, or Web document file including MHT) to the automatic reservation loan application electronic document for the automatic reservation loan deposit processing Lee it is preferable to.

Alternatively, the server generates document content including at least one of customer information, loan application information, reservation deposit information, deposit reservation date information, customer wireless terminal information included in the received automatic reservation loan application information, Processing an image file including image content captured by the document content (for example, image content generated by capturing the document content on a memory) into an automatic reservation loan application electronic document for the automatic reservation loan deposit processing; It is preferable.

Alternatively, the server generates document content including at least one of customer information, loan application information, reservation deposit information, deposit reservation date information, customer wireless terminal information included in the received automatic reservation loan application information, The customer information included in the automatic reservation loan application information, the loan application information, the reservation deposit information after approval, in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content; After including at least one or more information, such as deposit reservation date information and customer wireless terminal information in a watermarking method, an automatic reservation loan for the automatic reservation loan deposit processing of an image file including the image content including the watermarking It is desirable to process the application electronic document.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information included in the received automatic reservation loan application information. A predetermined document file (for example, PDF (Portable Document Format)) is generated that includes document content including an image content and includes image content (eg, image content generated by capturing the document content on a memory). File), or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to process the reservation loan application electronically.

Alternatively, the server generates document content including at least one of customer information, loan application information, reservation deposit information, deposit reservation date information, customer wireless terminal information included in the received automatic reservation loan application information, The customer information included in the automatic reservation loan application information, the loan application information, the reservation deposit information after approval, in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content; Create a document content including at least one or more information, such as deposit reservation date information and customer wireless terminal information by a watermarking method, and a document file (for example, PDF (Portable Document) containing the image content including the watermarking) Format file, or an electronic data interchange (EDI) file, or at least one or more HWP / DOC, etc. By generating a word processor file, or a web document file including the MHT), it is preferable to process the automatic reservation loan application electronic document for the automatic reservation loan deposit processing.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal information included in the received automatic reservation loan application information. A predetermined document file including document content including the above-described document content and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the automatic reservation loan application information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is preferable to process the electronic reservation loan application for automatic reservation loan deposit processing.

Alternatively, the server generates document content including at least one of customer information, loan application information, reservation deposit information, deposit reservation date information, customer wireless terminal information included in the received automatic reservation loan application information, The customer information included in the automatic reservation loan application information, the loan application information, the reservation deposit information after approval, in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content; A document file including image content including watermarking reservation date information and at least one of customer wireless terminal information by a watermarking method, the image file including the watermarking and the automatic reservation loan application information. (E.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files, or HWP / D By generating a word processor file including at least one or more OC, or a web document file including the MHT, etc.), it is preferable to process the automatic reservation loan application electronic document for the automatic reservation loan deposit processing.

Those skilled in the art to which the present invention pertains include technical features that the server generates an automatic reservation loan application electronic document in an image file format and / or a predetermined document file format, and the automatic reservation loan application electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated automatic reservation loan application electronic document in a predetermined electronic document storage (3355c).

As shown in FIG. 28, the electronic document repository includes a predetermined electronic document server 2850 and an electronic document D / B 2870 connected to a server on the loan processing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated automatic reservation loan application electronic document to the electronic document server 2850 via the communication means to store in the electronic document D / B (2870).

Alternatively, when the electronic document storage is provided on a DBMS provided in the loan processing system, the server corresponds to the electronic document storage on the DBMS provided in the loan processing system. It is possible to store in the electronic document D / B 2870, whereby the present invention is not limited.

According to the method of the present invention, the storing of the automatic reservation loan application electronic document in the electronic document storage is illustrated in FIG. 28 by linking the generated automatic reservation loan application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (2870).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the automatic reservation loan application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the automatic reservation loan application electronic document.

The electronic document management information may include predetermined electronic document-related information (eg, customer information transmitted by inputting (selecting) the automatic reservation loan application information and / or financial institution information transmitting the automatic reservation loan application electronic document). And / or the electronic document file format information, and / or the automatic reservation loan application information).

If the automatic reservation loan application electronic document is stored in the electronic document storage (3360c), the server includes the customer information included in the automatic reservation loan application information, loan application information, reservation deposit information after approval, deposit reservation date and time information. The customer wireless terminal information is linked and stored in a predetermined storage medium 3005 (3365c), and predetermined automatic reservation loan application history information (for example, the details of storing the automatic reservation loan application electronic document in the electronic document repository). , And / or generate (or extract) the details of storing the automatic reservation loan application information in the storage medium 3005 and transmit it to the terminal (3370c).

According to one embodiment of the invention, the storage medium 3005 is preferably provided in a DBMS on the financial system 2900 (or associated with the loan processing system) provided on the loan processing system, wherein The storage medium 3005 may be a ledger D / B 3000 provided in a DBMS on the financial system 2900, and / or a predetermined database associated with the ledger D / B 3000. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 3005 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

34 shows a preferred configuration of the automatic deposit processing and notification system for notifying the customer and the automatic deposit processing at the reservation date and time after loan approval according to the method of the present invention.

More specifically, FIG. 43 shows an automatic reservation in which a predetermined employee includes at least one of customer information, loan application information, reservation deposit information after approval, deposit reservation date information, and customer wireless terminal 3445 information submitted by a predetermined customer. Based on the loan application information, the loan is reviewed for a predetermined period of time, and the loan approval information corresponding to the result of the examination is provided to the predetermined automatic deposit processing server 3400 through the predetermined employee terminal 3430. Then, the automatic deposit processing server 3400 automatically deposits the reservation deposit information (for example, the loan deposit account number and the loan amount after approval) of the customer linked to the loan approval information in the storage medium 2845 to the loan deposit account. Check the agreement agreement information or customer application information, etc.), and if the reservation deposit approval information is included after approval, confirm the deposit reservation date information. And, in connection with the financial system 2900, perform a loan approval procedure corresponding to the loan application information, and make a loan on a specific reservation date included in the deposit reservation date information to the account of the loan application customer or a new account for the loan. Automatically deposit the money, and check the customer wireless terminal (3445) information associated with the loan approval information in the storage medium (2845), SMS or ARS server (3440) by linking the loan payment information with a predetermined wireless server (3435) A preferred overall diagram of a system for notifying a customer through a guide means including at least one ARS service through the present invention, and those skilled in the art to which the present invention pertains to the present invention. Various implementation methods of the deposit processing and notification system may be inferred, but the present invention is not limited to this figure 26. The method includes the City.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is the financial institution Member ID information, CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 2900 associated with the loan processing system in response to the customer by subscribing as a financial transaction customer It is preferable to include at least one.

In addition, the loan application information, the loan request amount, loan period, loan interest rate, collateral information (eg, land, buildings, securities, art, antiques, other spots, etc.), collateral examination result information (eg, valuation of collateral, etc.) It is preferable to include at least one or more.

In addition, the reservation deposit information after the approval is based on the automatic reservation loan application information provided by the customer to review the loan application amount, and if the loan application is approved in response to the examination result to the loan application customer's account As information for transferring a loan, it is preferable to include at least one or more loan application customer account number, the reservation deposit approval information, etc., to which the customer's loan is deposited.

According to the implementation method of the present invention, the reservation deposit information after the approval is preferred to exclude the loan examination period and non-working days, but in the case of credit loans that do not require a loan examination period includes depositing the loan immediately to the customer account after the loan application It is desirable to.

In addition, the customer wireless terminal (3445) information is based on the automatic reservation loan application information provided by the customer to examine the loan application amount, and in response to the examination result, the loan approval is determined and the loan is loaned When the deposit is made to the customer's account, it is preferable that the deposit result includes a wireless terminal 3445 number for transmitting an SMS text message or ARS voice announcement to the customer wireless terminal 3445 associated with the loan deposit account, and the like. Based on the automatic reservation loan application information provided by the customer, the loan application amount is examined and the loan approval is determined in response to the examination result, and when the loan is deposited into the account of the loan application customer, the deposit result is returned. Add customer wired terminal information including wired terminal number for transmitting ARS voice announcement to customer wired terminal associated with deposit account. You can also add

According to an embodiment of the present invention, the customer wireless terminal 3445 information includes at least one of a portable Internet terminal, a high speed downlink packet access (HSDPA) or a wireless broadband (WBRO) based wireless terminal 3445 used by the customer. Preferably, the wireless data communication-based terminal includes at least one messenger ID or e-mail address.

The deposit reservation date information may include date information (eg, xxxxxxxxxxxx) for depositing the loan into the account of the customer applying for the loan on a desired date after the loan approval decision.

Herein, the loan approval information is based on the automatic reservation loan application information provided by the customer, and the employee examines the loan application amount, and if the loan approval is determined in response to the examination result, the loan period, It is preferable that the loan approval unit (or loan approval means) 3405 including at least one loan interest rate, loan amount, and collateral information is provided.

According to the implementation method of the present invention, the automatic deposit processing and notification system examines that the employee loans the loan application amount for a predetermined period of time based on the automatic reservation loan application information submitted by the customer, and responds to the examination result. Receiving loan approval information from the employee terminal 3430 and the employee terminal 3430 for providing the loan approval information to the automatic deposit processing server 3400, in connection with the financial system 2900, the loan application customer's account or Automatic deposit processing server (3400) for automatically depositing a new account for the loan, and transmits information on the automatic payment of the loan to the customer wireless terminal (3445) corresponding to the customer wireless terminal (3445) information stored in the storage medium (2845) , The wireless server (3435) for transmitting the information on the automatic payment of the loan to the customer wireless terminal (3445) via SMS text, the voice guidance information about the automatic payment of the loan ARS server (3440) for transmitting to the customer wireless terminal (3445) through, the customer information, loan application information, customer wireless terminal (3445) information, and a storage medium (2845) for storing the reservation deposit information after approval It is done.

According to the implementation method of the present invention, the employee examines the loan application amount based on the automatic reservation loan application information submitted by the customer, and the employee terminal (3430) the loan approval information corresponding to the examination result. In the automatic deposit processing server 3400 is preferably provided to the loan approval unit 3405.

According to an exemplary embodiment of the present invention, the automatic deposit processing server 3400 automatically deposits a loan into a customer account or a new account for a loan at a specific reservation date and links the loan automatic deposit information with a loan deposit account. It is preferable to transmit an SMS text message from the wireless server 3435 to the wireless terminal 3445 of the customer to the wireless terminal 3445 of the customer.

According to another exemplary embodiment of the present invention, the automatic deposit processing server 3400 automatically deposits the loan into the account of the loan application customer or a new account for the loan at a specific reservation date and time, and the loan automatic deposit information with the loan deposit account. It is preferable to transmit the voice announcement to the wireless terminal 3445 of the customer from the ARS server 3440 to the wireless terminal 3445 of the customer linked.

According to an embodiment of the present invention, a reservation collateral including at least one of customer information, loan application information, customer wireless terminal 3445 information, reservation deposit information after approval, and deposit reservation date and time information generated during the loan examination and approval process It is preferable to store the loan application information in the storage medium 2845.

Referring to FIG. 35, the automatic deposit processing server 3400 receives the loan approval information from an employee terminal 3430 and performs a loan approval procedure corresponding to the loan application information in connection with the financial system 2900. Receiving loan approval information from the loan approval unit 3405 and the loan approval unit 3405 and automatically depositing the loan amount to the account of the loan application customer through the reservation deposit information after approval from the storage medium 2845. The information confirmation unit 3415 for confirming the customer approval, and the deposit date and time confirmation unit 3420 for confirming the date and time of depositing the loan by confirming the deposit reservation date and time information when the customer approval for the reservation deposit after the approval is confirmed, When the customer approval for the automatic deposit of the loan amount to the account of the loan requesting customer is confirmed, and the deposit reservation date is confirmed, in connection with the financial system 2900 Withdraw the loan from the loan management account of the financial institution (for example, the name of the financial institution where the loan amount is deposited) and automatically deposit the money into the account of the loan application customer at a specific deposit reservation date and time included in the deposit reservation date and time information. When the deposit is automatically deposited into the loan application customer's account, the reservation deposit processing unit (or reservation deposit processing unit) 3410, and the customer wireless terminal (3445) stored in the storage medium (2845) the debit details of the loan payment; And an information transmitter 3425 for transmitting to the wireless terminal 3445 corresponding to the information.

After the employee examines that the customer loans the loan application amount through the automatic reservation loan application information for a predetermined loan examination period, the employee terminal 3430 receives the loan approval information for the loan application amount. When provided to the automatic deposit processing server 3400, the loan approval unit 3405 performs a loan approval procedure corresponding to the loan application information in connection with the financial system 2900, and the loan approval information to the information confirmation unit ( Or information confirmation means) 3415 is preferred.

The information checking unit 3415 receives the loan approval information from the loan approval unit 3405 and confirms the reservation deposit information after approval stored in association with the loan application information (or customer information) from the storage medium 2845. If it is confirmed that the customer approves the reservation deposit after the approval, it is preferable to provide the reservation deposit information to the reservation deposit processing unit 3410 after the approval.

In addition, when it is confirmed that the deposit reservation date confirmation unit has approved the reservation deposit after the approval, it is preferable to check the deposit reservation date information in the storage medium 2845 to confirm when the desired payment date of the loan is desired by the customer. .

In addition, the reservation deposit processing unit 3410 checks the reservation deposit information after approval in the information confirmation unit 3415, and confirms the deposit reservation date information in the deposit date confirmation unit (or deposit date and time confirming means) 3420. And, with the financial system 2900, withdraw the loan from the loan management account of the financial institution (e.g., an account in the name of the financial institution where the loan amount is deposited) and include the specific reservation included in the deposit reservation date and time information. It is desirable to have a function of automatically depositing the loan application customer's account or a new account for the loan at one time.

When the reservation deposit processing unit 3410, in conjunction with the financial system, automatically transfers the loan to the account of the loan application customer at a specific reservation date and time, the information transmission unit (or information transmission means) 3425 is the storage medium 2845. And the wireless terminal 3445 corresponding to the customer wireless terminal 3445 information stored in FIG.

According to an exemplary embodiment of the present invention, the information transmitter 3425 transmits the automatic deposit history information on the loan corresponding to the information that the loan is automatically deposited into the account of the customer applying for loan to the customer wireless terminal 3445. In order to transmit the SMS text message to the customer wireless terminal 3445 through the wireless server 3435.

According to another exemplary embodiment of the present invention, the information transmission unit 3425 sends the automatic payment history information on the loan corresponding to the information that the loan is automatically deposited into the account of the customer applying for loan to the customer wireless terminal 3445. In order to transmit, it is preferable to transmit the ARS voice announcement to the customer wireless terminal 3445 through the ARS server 3440.

35A and 35B illustrate a preferred flowchart of an automatic deposit processing and notification system for notifying a customer after reservation approval and depositing a loan according to one embodiment of the present invention.

In more detail, when the predetermined automatic deposit processing server 3400 is provided with the loan approval information from the predetermined employee terminal 3430, FIG. 35 illustrates a loan approval procedure corresponding to the loan approval information in connection with the financial system 2900. After confirming the reservation deposit information and the deposit reservation date information associated with the loan approval information in the storage medium 2845, the automatic deposit information (for example, the loan deposit account number and the loan after approval) The terms and conditions for the automatic deposit of the amount to the loan deposit account, or the customer application information, etc.), in connection with the financial system 2900, the loan application customer's account at the specific reservation date and time included in the deposit reservation date and time information. Alternatively, a process of automatically depositing a loan into a new account for a loan is shown. Specifically, FIG. 35a shows the loan after the automatic deposit of the loan. In order to transmit the information automatically deposited into the customer's account for the loan application, the SMS text message is transmitted to the customer wireless terminal 3445 through the wireless server 3435.

35b shows that the loan is automatically deposited into the account of the loan request customer or a new account for the loan at a specific reservation date and time in connection with the financial system 2900 in the automatic deposit processing server 3400. The ARS voice announcement is transmitted to the customer wireless terminal 3445 through the ARS server 3440 to transmit the automatically deposited information.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods of the reservation loan confirmation and loan deposit system by referring to and modifying this drawing 10. However, the present invention is not limited to the drawing 35, and the analogy. Includes all implementation methods.

Herein, the loan approval information may be determined by examining the loan application information submitted by the customer, and when the loan approval is determined in response to the result of the examination of the loan application information, at least one or more loan periods, loan rates, loan amounts, and collateral information. It is preferable to include.

In the following Figures 27A and 27B, the automatic deposit processing server 3400 shown in Figure 26 is referred to as "server" for convenience, and the employee terminal 3430 shown in Figure 9 is referred to as "terminal".

According to one embodiment of the present invention, referring to Figure 35a, the employee examines the loan of the loan amount for a predetermined period of time based on the automatic reservation loan application information provided by the customer, and in response to the examination result. After the loan is approved, the terminal provides loan approval information (eg, loan period, loan interest rate, loan amount, collateral information, etc.) written by the customer to the server (3500a).

The server receives the loan approval information, confirms the reservation deposit information after approval from the storage medium 2845, and confirms the reservation deposit information after approval (eg, the loan application customer account number and the loan amount after approval to the loan application customer account). If the agreement agreement information or customer application information, etc. for automatic deposit is included, the reservation deposit information after approval is provided to the reservation deposit processing unit 3410 (3505a).

The server confirms reservation deposit information after approval from the storage medium 2845 (3505a), and confirms deposit reservation date and time information (eg, xxxxxxxxxxxx) from the storage medium (3510a).

When the server confirms the reservation deposit information (for example, account number, agreement information or selection information for agreeing to reserve deposit after approval) and deposit reservation date information after approval, the server reserves a specific reservation for the loan in connection with the financial system 2900. Automatically deposit money into a customer's account or a new account for a loan (3515a).

The server automatically deposits a loan at a specific reservation date and time to the account of the loan application customer (3515a), and checks whether the loan automatic deposit is properly made (3520a).

If the automatic payment of the loan is not confirmed at the server (3525a), the automatic payment of the loan is confirmed in connection with the financial system 2900 (3520a).

If the automatic payment of the loan is confirmed (3525a), in order to notify the customer of the automatic payment of the loan, the information of the customer wireless terminal 3445 associated with the account information of the automatic payment of the loan is checked from the storage medium 2845 ( 3530a).

The server transmits the automatic loan payment information to the wireless server 3435 to transmit the automatic loan payment information to the wireless client 3445 in connection with the wireless server 3435 (3535a).

The wireless server 3435 receives the automatic loan payment information from the server (3540a).

The wireless server 3435 transmits the loan automatic payment information of the customer received from the server to the wireless terminal 3445 of the customer in SMS text (3545a).

The wireless terminal 3445 of the customer receives the SMS text from the wireless server 3435, and outputs the SMS through a predetermined output device provided in the wireless terminal 3445 of the customer (3550a).

According to another embodiment of the present invention, referring to Figure 35a, the employee examines the loan of the loan application amount for a predetermined period of time based on the automatic reservation loan application information provided by the customer, and responds to the examination result. After the loan is approved, the terminal provides loan approval information (eg, loan period, loan interest rate, loan amount, collateral information, etc.) written by the customer to the server (3500b).

The server receives the loan approval information, confirms the reservation deposit information after approval from the storage medium 2845, and confirms the reservation deposit information after approval (eg, the loan application customer account number and the loan amount after approval to the loan application customer account). If the agreement agreement information or customer application information, etc. for automatic deposit is included, the reservation deposit information after approval is provided to the reservation deposit processing unit 3410 (3505b).

The server confirms the reservation deposit information after approval from the storage medium 2845 (3505a), and confirms the deposit reservation date information (eg, xxxxxxxxxxxx) from the storage medium (3510b).

When the server confirms the reservation deposit information (for example, an account number, a contract information or an option to agree to the reservation deposit after approval) and the deposit reservation date information after approval, the server reserves a specific loan in connection with the financial system 2900. Automatically deposit money into a customer's account or a new account for a loan (3515b).

The server automatically deposits a loan at a specific reservation date and time to the account of the loan application customer (3515b), and checks whether the automatic loan payment has been properly made (3520b).

If the automatic payment of the loan is not confirmed at the server (3525b), the automatic payment of the loan is confirmed in connection with the financial system 2900 (3520b).

If the automatic payment of the loan is confirmed (3525b), in order to notify the customer of the automatic payment of the loan, the information of the customer wireless terminal 3445 associated with the account information of the automatic payment of the loan is checked from the storage medium 2845 ( 3530b).

The server transmits the automatic loan payment information to the ARS server 3440 to transmit the automatic loan payment information to the ARS server 3440 to the customer wireless terminal 3445 (3535b).

The ARS server 3440 receives the automatic loan payment information from the server (3540b).

The ARS server 3440 transmits the loan payment information of the customer received from the server to the wireless terminal 3445 of the customer in an ARS voice announcement (3545b).

The wireless terminal 3445 of the customer receives the voice announcement from the ARS server 3440, and outputs the voice announcement through a predetermined output device provided in the wireless terminal 3445 of the customer (3550b). .

According to the present invention, when a customer who wants a loan visits a predetermined financial company or applies for a loan through a predetermined wired terminal or a wireless terminal, there is an advantage that the customer can process all loans in one visit.

In addition, all loan-related processing by one visit has the advantage that the customer has to visit the financial company several times, and the inconvenience of reducing time waste.

In addition, when a predetermined customer applies for a loan, when the loan application is made by setting a loan date and time, there is an advantage of reducing the financial loss of the customer for unnecessary loan interest.

For example, if the customer needs funds one week after the loan application, if the loan processing date is set to one week after the loan application, the loan for one week does not occur.

Claims (1)

Loan application customer information and loan application information and automatic deposit information for automatic deposit processing of the loan amount to the customer account without a separate customer approval after the loan approval, if the customer information, loan application information and automatic deposit information from the server Storing in a storage medium in association with; Generating a loan request electronic document including the customer information, loan application information, and automatic deposit information in a server and storing the electronic document in an electronic document repository; Approving a loan for a loan amount corresponding to the loan request information based on the loan request electronic document at a server; And automatically depositing a loan amount into the customer account based on the pre-stored auto deposit information in the storage medium in the server.

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