KR20090060066A - System and method for managing mortgage and program recording medium - Google Patents

Abstract

A mortgage loan operating method, a system thereof and a program recording medium therefor are provided to automatically make a customer, who wants to obtain a mortgage loan, subscribe for the insurance, thereby expanding the LTV(Loan To Value) ration within 20 percent of the mortgage value. An information calculating unit(235) sets up or calculates the standard LTV ratio which is applicable to a customer. If the loan application money of the customer is included in a LTV range corresponding to the additional loan money, an insurance processor(240) sets up the amount of money, obtained by adding up the additional loan money and small-amount lease bond, as the insured money of the customer. A loan processor(265) processes the mortgage loan requested by the customer when the insurance subscription procedure is completed.

Description

System and Method for Managing Mortgage and Program Recording Medium

1 is a diagram illustrating a security loan operating system for a security loan associated with insurance according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a system of opening a secured loan account in a face-to-face manner for opening an insurance-linked collateral loan account according to an embodiment of the present invention.

3 illustrates an implementation method in which a storage medium storing customer information, collateral loan application information, and insurance subscription information corresponding to a secured loan account opened in a face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system; One drawing.

Figure 4 is a ledger D / D is equipped with a storage medium for storing customer information, collateral loan application information, insurance subscription information corresponding to the security loan account opened in a face-to-face in accordance with another embodiment of the present invention A diagram illustrating an implementation method including a database associated with B. FIG.

5 is a storage medium for storing customer information, collateral loan application information, and insurance subscription information corresponding to a secured loan account opened in a face-to-face manner according to another embodiment of the present invention, including a DBMS provided in a banking server; It is a figure which shows the implementation method.

6A and 6B illustrate a process of opening a mortgage account for a security loan linked to insurance in a face-to-face manner according to one embodiment of the present invention.

7A and 7B illustrate a process of opening a security loan account for a security loan linked to insurance in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face collateral loan opening system for collateral loans linked to insurance according to another embodiment of the present invention.

9A and 9B illustrate a process of opening a mortgage account for a security loan linked to insurance in a non-face-to-face manner according to one embodiment of the present invention.

10A, 10B, and 10C are diagrams illustrating a process of opening a security loan account for a security loan linked to insurance according to an embodiment of the present invention.

FIG. 11 is a diagram illustrating a security loan account operating system for a loan advance payment process according to an embodiment of the present invention.

12 is a view showing a loan advance payment process according to an embodiment of the present invention.

<Description of main parts of drawing>

200, 800, 1100: financial company server 205: interface unit

210: interface providing unit 215: information receiving unit

220: image receiving unit 225: validating unit

230: collateral value verification unit 235: information calculation unit

240: insurance processing unit 245: electronic document generation unit

250: electronic document transmission unit 255: information generation unit

260: account generation unit 265: loan processing unit

270: information storage unit 275: electronic document server

280: electronic document receiving unit 285: information generating unit

290: electronic document storage unit 1105: interface unit

1110: information verification unit 1115: information determination unit

1120: information processing unit 1125: information storage unit

1130: information receiving unit 1135: information providing unit

The present invention comprises the steps of setting (or calculating) a standard Loan To Value ratio (LTV) applicable to the customer based on the security value and income proof information on the collateral provided by the security loan application customer; Identifying the LTV range corresponding to the small lease guarantee amount and the LTV range corresponding to the additional loanable amount using the set reference LTV, and the loan application amount of the customer is included in the LTV range corresponding to the additional loan amount; If the sum of the additional loan amount and the small lease guarantee amount is an insurance subscription amount of the customer, and the insurance subscription process; and after the insurance subscription process, processing the collateral loan requested by the customer. It relates to a mortgage loan management method.

Recently, real estate mortgage loans provided by the financial sector had limited LTV ratios, but due to the expansion of the LTV ratio (eg, within 20% of the value of collateral), the homeless or one household one household (for example, speculative area (capital overheating) Plans are being made to preempt the increase in loan limits for apartment buyers other than the district.

In particular, it is time to find ways to revitalize high quality home mortgage loans, preoccupy the home loan market, and secure the soundness of loan assets.

An object of the present invention for solving the above problems is to set a standard Loan To Value ratio (LTV) applicable to the customer based on the collateral value and income proof information for the collateral of the security loan application customer ( Or LTV range corresponding to the small lease guarantee amount and the LTV range corresponding to the additional loanable amount, using the set reference LTV, and the loan application amount of the customer is the additional loan amount. Insurance processing means for insured processing, including the sum of the additional loan amount and the small lease guarantee amount, as the insured amount of the customer when included in the LTV range corresponding to When the loan processing means for processing the applied mortgage loan and the deposit of the prepayment amount of the customer are confirmed, the deposited repayment amount is determined by the insurance. If the amount of the prepayment does not exceed the amount of insurance, if the amount of the prepayment does not exceed the amount of insurance, the amount of reimbursement of the amount of the prepayment is exceeded. In addition, the present invention provides a secured loan management system including information processing means for processing a refund of the insurance amount and the termination of the insurance contract.

Mortgage loan management method according to the present invention, based on the security value and income proof information for the collateral provided by the security loan application customer set the standard Loan To Value ratio (LTV) applicable to the customer ( Or calculating) an LTV range corresponding to a small loan guarantee amount and an LTV range corresponding to an additional loanable amount using the set reference LTV, and the loan application amount of the customer is the additional loan amount. When included in the LTV range corresponding to the insurance, the sum of the additional loan amount and the small lease guarantee amount as the insurance coverage amount of the customer and insurance coverage and after the insurance coverage process, the collateral requested by the customer Processing the loan; characterized in that comprises a.

According to the present invention, when the loan application amount of the customer is included in the LTV range corresponding to the small lease guarantee amount, the security of the small loan guarantee is the insurance subscription amount of the customer Characterized in that it further comprises the step of processing.

According to the present invention, the mortgage loan management method includes: periodically checking the mortgage loan account of the customer to check whether the payment of the prepayment amount is made; and when the payment of the prepayment amount of the customer is confirmed, the deposit is received. Determining whether the repayment amount exceeds the insured amount, and if the deposited repayment amount does not exceed the insured amount, the insurance amount corresponding to the repayment amount is refunded, and the deposited repayment amount is If the insurance amount exceeds, it is characterized in that it comprises the step of processing the refund processing and the insurance contract for the insurance amount.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described method of collateral loan operation.

Meanwhile, the mortgage loan management system according to the present invention sets a standard LTV (Loan To Value ratio) applicable to the customer based on the security value and income proof information on the collateral of the customer applying for the security loan ( Or LTV range corresponding to the small lease guarantee amount and the LTV range corresponding to the additional loanable amount, using the set reference LTV, and the loan application amount of the customer is the additional loan amount. Insurance processing means for carrying out an insurance treatment, wherein the sum of the additional loan amount and the small lease deposit amount is the insurance coverage amount of the customer, when included in the LTV range corresponding to When the loan processing means for processing the applied mortgage loan and the deposit of the prepayment amount of the customer are confirmed, the deposited repayment amount is insured. If the amount of the prepayment does not exceed the amount insured, if the amount of the prepayment does not exceed the insured amount, the insurance amount corresponding to the prepayment amount is refunded; It comprises a information processing means for processing the refund of the insurance amount and the termination of the insurance contract.

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 will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

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

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

1 is a diagram illustrating a security loan operating system for a security loan associated with insurance according to an embodiment of the present invention.

More specifically, FIG. 1 includes at least one predetermined loan application amount information, income proof information, collateral information, and insurance application information provided by a predetermined customer (eg, an individual who wants to secure a mortgage for a mortgage). In the process of opening a collateral loan account linked to insurance based on the collateral loan application information and processing the collateral loan through the collateral loan account, the collateral loan application customer presents the collateral for the collateral loan. Confirming the collateral value and calculating the mortgage ratio and the debt repayment ratio of the customer based on the income proof information included in the mortgage loan application information of the customer applying for the security loan and the confirmed collateral value information; Insurance for additional loan amount based on insurance application information, customer collateral loan application amount information and collateral value information included in As the present invention relates to a system for processing mouths, those of ordinary skill in the art to which the present invention pertains refer to various modifications of the system of collateral loan management system for processing collateral loans linked to insurance by referring to or modifying the drawing. 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 FIG.

Referring to FIG. 1, the illustrated mortgage loan management system opens a mortgage loan account for implementing a mortgage loan and processes the mortgage loan, and the mortgage loan application in connection with the financial company server 200. It may be provided with a security evaluation server for evaluating the collateral value of the collateral of the customer collateral, and an insurance company server for processing the insurance subscription of the security loan application customer in conjunction with the financial company server (200).

In addition, according to the embodiment of the present invention, the mortgage loan management system is generated in the process of the financial institution server 200 in connection with the mortgage evaluation server and the insurance company server in the process of opening a mortgage account and collateral loan process according to the present invention. It can be configured to further include an electronic document server that stores and manages the electronic document or information.

According to the present invention, the financial company server 200 is a mortgage loan application including at least one predetermined loan application amount information, income proof information, collateral information, insurance subscription application information provided by a customer who wants to secure a loan as a home mortgage A function of opening a mortgage account linked to insurance based on information, and in the process of processing a mortgage through the mortgage account, the value of the collateral for the collateral presented by the customer as a collateral for the mortgage. A function of confirming, calculating the mortgage ratio and the debt repayment ratio of the customer on the basis of income proof information included in the mortgage loan application information of the customer applying for the security loan and the confirmed security value information, and the mortgage loan application information Based on the insurance application information, customer collateral loan application amount information, and collateral value information included in the It is characterized in that it comprises a function for processing the insurance, etc. The description of the financial company server 200 will be described in more detail with reference to FIG.

In addition, according to the present invention, the financial company server 200 further includes a function for refunding the prepaid premium or canceling the insurance contract when the mortgage customer repays the loan corresponding to the insurance amount. Can be configured.

According to the present invention, the financial company server 200 is described as having all the functions, but the present invention is not limited by this, and the financial company server 200 is a separate server for each function configuration. It is clearly to be understood that this may be accomplished through (or a device).

2 is a diagram illustrating a system of opening a face-to-face security loan account for opening an insurance-linked security loan account according to an embodiment of the present invention.

More specifically, Figure 2 is a mortgage loan in which a predetermined customer (for example, an individual who wants to secure a loan as a mortgage) includes at least one predetermined loan application amount information, income proof information, collateral information, and insurance application information. Filling out an account application form and submitting it to a window provided at a predetermined financial institution, the mortgage loan account for a mortgage loan linked to the insurance based on the mortgage application information corresponding to the mortgage account application at the financial institution; The present invention relates to a system for storing customer information, collateral loan application information, and insurance information on a predetermined storage medium for managing the secured loan account, and having a general knowledge in the technical field to which the present invention pertains. If so, with reference to or modified in Figure 2, a variety of system configuration for collateral loan opening system for collateral loans linked to insurance 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 FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify this drawing 2 to configure a secured loan account opening system omitting the method of storing the secured loan account electronic document in the electronic document storage. In addition, in the case of storing the secured loan account electronic document in the electronic document repository, the electronic document repository is provided in a DBMS located in the secured loan account opening system in addition to the implementation method shown in FIG. Although the disclosed method may be inferred, the present invention includes all the implemented methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, in the embodiment of generating the secured loan account electronic document as shown in Figure 2, generating a secured loan account electronic document corresponding to the secured loan account application on the server side on the secured loan account opening system Although the present invention is not limited thereto, the mortgage account electronic document is generated by a terminal that has obtained image content corresponding to the mortgage loan application through a predetermined image obtaining device. (For example, the electronic document generation function provided on the server side is provided on the terminal side to generate the secured loan account electronic document), whereby the present invention is not limited.

Hereinafter, the customer opens the mortgage account in response to the mortgage account application and the mortgage loan application information created by the customer through a predetermined financial account opening interface on the mortgage account opening system shown in FIG. A component corresponding to at least one or more means or functional configuration for generating a predetermined secured loan account electronic document and storing it in a predetermined electronic document storage is referred to as a "financial company server 200" for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, a secured loan account opening system for secured loans linked to the insurance includes a terminal device including a teller terminal provided at at least one financial institution branch (or branch). It characterized in that it comprises a, the terminal device is connected to the communication channel and the financial company server 200 provided on the mortgage loan account opening system through a predetermined financial network.

According to one embodiment of the present invention, the customer visits the financial institution branch (business branch) for a mortgage loan associated with the insurance, and through the window (or teller staff) provided in the financial institution branch (business branch) Through a certain mortgage account application (eg, a document with a form for filling in at least one information item for a mortgage loan associated with the insurance), wherein It is desirable for the customer to seal the customer's seal for the legal basis for the mortgage account application.

Subsequently, when the customer submits the completed mortgage account application to the clerk, the clerk scans the mortgage account application through a predetermined image acquisition device to obtain predetermined image content, and the predetermined clerk terminal. Enter the security loan application information including at least one of the image content obtained in response to the security loan application form and at least one loan application amount information, income proof information, security information, and insurance application information. In response thereto, the counter terminal preferably transmits the image content and the security loan application information to the financial company server 200 provided on the security loan opening 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 financial company server 200 connected to the window terminal is a server provided on the predetermined financial system (Eg, a ledger server, etc.), and the financial network connecting the teller terminal and the financial institution server 200 includes a branch network connecting the communication channel between the teller terminal and the financial institution server 200. It is preferable to make it.

In the collateral loan account opening system as described above, the image acquisition device for acquiring the image content corresponding to the mortgage loan application application created by the customer, the teller terminal and the teller terminal and the financial company server 200 used by the employee The financial network that connects the financial account opening interface for the customer to register the security loan application information for the security loans associated with the insurance.

The storage medium provided on the secured loan account opening system according to the present invention includes the customer information and loan application amount information, income proof information, security information, insurance subscription application included in the secured loan application information provided from the terminal device. Characterized in that it stores customer information, mortgage loan application information, insurance subscription information including at least one information.

Preferably, the loan application amount information includes a loan amount to be loaned by the customer.

It is preferable that the income evidence information includes at least one of statement income and evidence income.

In this case, the stated income is the income described in the loan application submitted by the security loan application customer, and includes items such as working company, business type, employment type, working period, working department, career, age, etc. In the case of self-employed persons, this may include items such as business type, period of service, career, and age.

The proof income may include earned income, business income, pension income, real estate rental income, and in the case of earned income, it may include information on receipt of withholding of income income, income amount information, and salary deposit information. In the case of business income, it may include income amount certificate information, business income tax withholding information, tax base confirmation declaration information, and voluntary payment statement information.In the case of pension income, pension certificate information, pension beneficiary identification information, and pension receipt account information In the case of real estate rental income, it may include information on the amount of the rental income certificate, and registered information on the real estate register.

The collateral information is preferably made to include information on registration rights for the collateral provided by the customer for the security loan application in exchange for receiving a loan.

The insurance application information above is the delinquent occurrence and recovery of the current loan bonds, which are caused by additional loans for the purpose of increasing the loan limit for the amount of the first-deferred repayment deposit and 20% of the collateral reserve value deducted in the collateral evaluation. It is preferable to include the consent information of the loan application customer for insurance to cover the credit risk, such as incapacity.

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

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the secured loan account opening system (or associated with the secured loan account opening system), wherein the storage The medium may be a ledger D / B provided in the DBMS on the financial system 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 is at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the secured loan opening system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

The financial institution server 200 provided on the secured loan opening system according to the present invention is a generic term for the collateral loan opening system opening component connected to the terminal device through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the financial company server 200 is a ledger server provided on a financial system connected to the window terminal through a predetermined financial network. Or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial company server 200 may include an interface unit 205 for connecting and managing a predetermined communication channel with the terminal device through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the interface unit 205 may establish a communication channel with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 2, when a predetermined terminal device connects a predetermined communication channel with the financial institution server 200 through the interface unit 205, the financial institution server 200 secures a mortgage loan associated with the insurance. In order to obtain the image content corresponding to the security loan application made by the customer through a predetermined image acquisition device provided in the terminal device, and input (or select) the security loan application information corresponding to the security loan account application An interface agent for generating (or extracting) at least one user interface for transmitting to the financial institution server 200 and providing the generated (or extracted) user interface to the terminal device in association with the interface unit 205. Study 210 and the mortgage loan corresponding to the mortgage loan application through the user interface in the terminal device When the information is input (or selected) and transmitted, an information receiver 215 for receiving the security loan application information transmitted from the terminal device in association with the interface unit 205, and the user interface in the terminal device. Obtaining and transmitting image content corresponding to the mortgage account application prepared by the customer through a predetermined image acquisition device based on the image content corresponding to the mortgage account application in connection with the interface unit 205. Characterized in that it comprises an image receiving unit 220.

The interface provider 210 connects a predetermined communication channel with the financial institution server 200 through the interface unit 205 and then secures the loan to the financial institution server 200 in connection with the insurance. When requesting a user interface for the user, through the predetermined image acquisition device provided in the terminal device obtains the image content corresponding to the mortgage loan application made by the customer, the collateral loan application information corresponding to the mortgage loan application Generate (or select) and generate at least one user interface for transmitting to the financial institution server 200 through the financial network, or extract from a predetermined database (not shown), and interwork with the interface unit 205. Providing the generated (or extracted) user interface to the terminal device through the financial network. And a gong.

According to another exemplary embodiment of the present invention, the terminal device acquires image contents corresponding to the mortgage account application prepared by the customer through a predetermined image acquisition device, and inputs the security loan application information corresponding to the mortgage account application. (Or select) a predetermined information registration program having at least one user interface for transmitting to the financial institution server 200 through the financial network, the customer through the predetermined image acquisition apparatus as described above. Acquiring an image content corresponding to the created mortgage account application, inputting (or selecting) collateral loan application information corresponding to the mortgage account application, and generating a user interface for transmitting to the financial institution server 200 ( Or extract) the interface providing unit 210 which is provided to the terminal device is omitted. Even mubang, and to which the present invention is not limited.

Thereafter, the terminal apparatus inputs (or selects) the security loan application information including at least one of the loan application amount information, income proof information, security information, and insurance application information through the user interface, and inputs (or Selects the security loan application information to the financial institution server 200 through the financial network. In response, the information receiving unit 215 is connected to the interface unit 205 and the collateral transmitted from the terminal device. Characterize in receiving the loan application information.

In addition, the terminal device obtains the image content corresponding to the mortgage loan application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained financial content server through the financial network server In response to the transmission, the image receiving unit 220 receives the image content corresponding to the secured loan account application in association with the interface unit 205.

According to another exemplary embodiment of the present invention, the terminal device acquires image content corresponding to the security loan application form prepared by the customer through a predetermined image acquisition device, and is provided (or associated) with the terminal device. When the terminal device is previously stored in the storage device, the terminal device selects the image content corresponding to the mortgage account application created by the customer from the at least one or more image contents previously stored in the storage device through the user interface and then through the financial network. The financial receiver server 200 transmits the image content corresponding to the secured loan application in association with the interface unit 205.

According to another exemplary embodiment of the present invention, when the terminal device transmits the image content corresponding to the security loan application form prepared by the customer and the security loan application information corresponding to the security loan account application through the user interface. In addition, the information receiver 215 may be connected with the interface unit 205 to receive image content corresponding to the secured loan account application and collateral loan application information (for example, the image receiver 220 may receive the information. Integrated into the receiver 215), whereby the present invention is not limited.

Referring to FIG. 2, when the mortgage loan application information received from the terminal device is received through the information receiver 215, the financial institution server 200 collaterals in which the received mortgage loan application information is associated with the insurance. Characterized in that it comprises a validity check unit 225 to check whether the validity for the loan is satisfied.

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

For example, the verification of the validity of the security loan application information is based on the financial system in which the customer information (customer personal information, member information, etc.) of the information included in the security loan application information is linked to the security loan opening system. It is preferable to include a check that matches the customer ledger stored in the D / B.

Referring to Figure 2, the financial company server 200 is a security value verification unit 230 for confirming the collateral value for the collateral presented by the security loan application customer as collateral loan, and the security loan application of the customer An information calculating unit 235 for calculating the mortgage ratio and the debt repayment ratio of the customer based on the income proof information included in the collateral loan application information and the confirmed collateral value information, and the insurance included in the collateral loan application information. On the basis of the subscription application information, customer security loan application amount information, collateral value information, etc., characterized in that the insurance processing unit 240 for processing the insurance for the additional loan amount is characterized in that it is made.

The collateral value verification unit 230 is characterized in that the collateral loan customer checks the collateral value for the collateral presented as a collateral for the collateral loan, in particular in connection with a predetermined collateral evaluation server connected through a communication network It is advisable to check the collateral value for the collateral presented by the customer.

For example, the collateral value verification unit 230 provides collateral information (eg, registered rights information, etc.) included in the collateral loan application information of the customer to the collateral evaluation server, and corresponds to the collateral information from the collateral evaluation server. Characterized in that to receive the collateral value information.

The information calculating unit 235 calculates the mortgage loan rate and the debt repayment rate of the customer based on the income proof information included in the mortgage loan application information of the customer applying for the security loan and the confirmed collateral value information. do.

According to the method of the present invention, the information calculating unit 235 is collateral value information for the collateral of the security loan application customer confirmed through the security value verification unit 230 and the collateral loan amount information requested by the customer And it is preferable to calculate the mortgage loan ratio (LTV) of the security loan application customer using the small lease deposit information.

In addition, according to the method of the present invention, the information calculating unit 235 is a DTI (debt repayment ratio) irrespective of the calculated LTV when the income proof information included in the mortgage loan application information is statement income or evidence income Is preferably calculated.

The insurance processing unit 240 is characterized by processing the insurance for the additional loan amount on the basis of the insurance subscription application information, customer security loan application amount information, collateral value information, etc. included in the security loan application information.

According to the method of the present invention, the insurance processing unit 240, when the mortgage loan application customer to apply for a loan to exceed the standard LTV of the mortgage loan customer calculated through the information calculating unit 235, If the loan amount is 44% to 60% of the LTV, the amount corresponding to the small lease deposit is calculated as the insurance amount. If the loan amount is 60% to 80% of the LTV, the additional loan amount (eg, the LTV is 80%) In this case, it is desirable to calculate the amount of insurance coverage as the sum of 20% of the collateral value) and the sum of the small lease deposit.

In addition, according to the implementation method of the present invention, the insurance processing unit 240 is connected to the insurance company server through a communication network based on the insurance subscription information included in the security loan application information and the calculated insurance coverage information information the customer It is characterized in that the treatment of insurance.

Referring to FIG. 2, the financial company server 200 receives the image content transmitted from the terminal device through the image receiving unit 220, and receives the security loan application information through the validity checking unit 225. When the validity is authenticated and the insurance subscription for the customer's collateral loan is processed through the insurance processor 240, the electronic document generator 245 for generating a predetermined collateral loan account electronic document including the received image content. And an electronic document transmitter 250 for transmitting the generated collateral loan account electronic document to an electronic document repository associated with the collateral loan account opening system.

The electronic document generating unit 245 generates a security loan electronic document including the image content received from the terminal device through the image receiving unit 220.

According to an embodiment of the present invention, the electronic document generating unit 245 performs the security loan associated with the insurance as the image file including the image content received from the terminal device through the image receiving unit 220 as it is. It is desirable to process a secured loan electronic document.

Alternatively, the electronic document generating unit 245 may include loan application amount information included in the collateral loan application information received through the information receiving unit 215 on the image content received from the terminal device through the image receiving unit 220. At least one or more of income proof information, collateral information, insurance application information, and collateral value information about the collateral of the customer identified through the collateral value verification unit 230 and the information calculating unit 235. Collateral for the collateral loan associated with the insurance image file corresponding to the image content including the customer LTV and DTI information, the insurance processing information of the customer through the insurance processing unit 240 in a watermarking (Watermarking) method It is desirable to create a loan account electronic document.

According to another exemplary embodiment of the present invention, the electronic document generating unit 245 may include a predetermined document file (eg, PDF (Portable Document) including the image content received from the terminal device through the image receiving unit 220. Format), 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 desirable to create a mortgage account electronic document.

Alternatively, the electronic document generating unit 245 may include loan application amount information included in the collateral loan application information received through the information receiving unit 215 on the image content received from the terminal device through the image receiving unit 220. At least one or more of income proof information, collateral information, and insurance application information, and collateral value information about the collateral of the customer identified through the collateral value verification unit 230 and the information calculating unit 235. A predetermined document file including the generated customer LTV and DTI information and insurance insurance processing information of the customer through the insurance processor 240 in a watermarking manner, 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 or more such as HWP / DOC, and By creating a web page file, etc.), including the MHT, it is desirable to create a mortgage account electronic documents for the mortgage loan associated with the insurance.

According to another embodiment of the present invention, the electronic document generating unit 245 is the collateral loan received through the image receiving unit 215 and the image content received from the terminal device via the image receiving unit 220 Mortgage value information for the collateral of the customer confirmed through the application information and the security value verification unit 230, customer LTV and DTI information calculated through the information calculation unit 235, through the insurance processing unit 240 A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one predetermined insurance file including insurance information of the customer, or By generating a web document file including the MHT, etc.), it is preferable to generate a secured loan account electronic document for the secured loan associated with the insurance.

Alternatively, the electronic document generating unit 245 may include loan application amount information included in the collateral loan application information received through the information receiving unit 215 on the image content received from the terminal device through the image receiving unit 220. At least one or more of income proof information, collateral information, insurance application information, and collateral value information about the collateral of the customer identified through the collateral value verification unit 230 and the information calculating unit 235. Generated image contents including the customer LTV and the DTI information, insurance insurance processing information of the customer through the insurance processing unit 240 in a watermarking manner, and the generated image contents and the security loan application information. At least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) is included. By creating a web document files, etc.) that includes a word processor file or MHT, it is desirable to create a mortgage account electronic documents for the mortgage loan associated with the insurance.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 245 is a technical feature of generating a secured loan electronic document of the image file format or a predetermined document file format, and the security loan account Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitter 250 transmits and stores the secured loan account electronic document generated by the electronic document generator 245 to a predetermined electronic document repository associated with the secured loan account opening system. do.

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 275 and an electronic document D / B associated with the financial institution server 200 on the secured loan opening system through a predetermined communication means. When provided to the outside, the electronic document transmitter 250 transmits the secured loan account electronic document generated by the electronic document generator 245 to the electronic document server 275 through the communication means. It is characterized by.

In this case, when the electronic document server 275 and the electronic document D / B are provided outside the secured loan account opening system, the electronic document server 275 and the electronic document D / B are managed by an authorized institution. It is desirable to.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the secured loan account opening system, the electronic document transmitting unit 250 is generated by the electronic document generating unit 245. The secured loan account electronic document can be stored in an electronic document D / B corresponding to an electronic document repository on a DBMS provided in the secured loan account opening system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 250 is electronic document related information (eg, collateral loan corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 275 It is possible to transmit to the electronic document repository further comprising the customer information, the financial institution information, or the electronic document file format information, or the mortgage loan application information, etc., the customer information for filling out the account application, or the mortgage account electronic document. The present invention is not limited thereby.

Referring to FIG. 2, the financial institution server 200 verifies the validity of the security loan application information received through the information receiver 215 through the validity verification unit 225 for the security loan associated with the insurance. Through the collateral value check unit 230, the collateral value information of the collateral of the customer is confirmed, the customer LTV and DTI information is calculated through the information calculating unit 235, and through the insurance processor 240 When the insurance insurance processing of the customer is performed, the loan application amount information, income proof information, collateral information, insurance subscription information and the collateral value information, LTV and DTI information, An information generating unit 255 for generating the financial account information based on insurance subscription processing information, and an account opening unit 260 for opening and processing a financial account of the customer's name including the financial account information; It is characterized by comprising.

The validity of the collateral loan application information is confirmed by the validity confirming unit 225, the collateral value information of the collateral of the customer is confirmed through the collateral value checking unit 230, and the information calculating unit ( 235 and the customer LTV and DTI information is calculated, the insurance processing process of the customer through the insurance processing unit 240, the information generation unit 255, the loan application amount included in the security loan application information The financial account information is generated based on the information, the income proof information, the collateral information, the insurance subscription information, the collateral value information, the LTV and the DTI information, and the insurance subscription processing information.

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the security loan account opened based on the security loan application information, and further comprises the subscription period and insurance information. desirable.

The account establishment unit 260 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is already matched with the customer information), After generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, collateral associated with the insurance in response to the collateral loan application information It is characterized by opening a predetermined financial account for the loan process.

According to an embodiment of the present invention, when the financial company server 200 and the financial system exist in the same system, the account opening unit 260 includes financial account information in the ledger D / B in association with the financial system. It is desirable to create a predetermined account ledger.

According to another exemplary embodiment of the present invention, when the financial institution server 200 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 260 uses the predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

Referring to FIG. 2, the financial institution server 200 verifies the validity of the security loan application information received through the information receiver 215 through the validity verification unit 225 for the security loan associated with the insurance. ,

The collateral value information of the collateral of the customer is confirmed through the collateral value checking unit 230, the customer LTV and DTI information is calculated through the information calculating unit 235, and the insurance processing unit 240 performs the After the customer's insurance processing is performed, if the mortgage loan account is opened through the account opening unit 260, the customer information, loan application amount information, and income proof information included in the secured mortgage application information Information for storing the customer information, the security loan application information, the insurance information and the security value information, the LTV and the DTI information, and the insurance processing information in a predetermined storage medium, including at least one of security information and insurance application information. It is characterized by comprising a storage unit 270.

The validity of the collateral loan application information is confirmed by the validity confirming unit 225, the collateral value information of the collateral of the customer is confirmed through the collateral value confirming unit 230, and the information calculating unit 235. After the customer LTV and DTI information is calculated, and the insurance subscription processing of the customer through the insurance processing unit 240 is performed, if the mortgage account is opened through the account opening unit 260, the information storage Part 270 is at least one of the customer information and loan application amount information, income proof information, security information, insurance application information included in the security loan application information, security loan application information, insurance subscription information And storing the collateral value information, LTV and DTI information, and insurance processing information on the storage medium.

According to an embodiment of the present invention, when the storage medium is provided in the financial institution server 200 or on a network associated with the financial institution server 200, the information storage unit 270 is the received collateral. Customer information including at least one or more of the customer information, loan application amount information, income proof information, collateral information, insurance application information included in the loan application information, collateral loan application information, insurance subscription information and the security value information, LTV And storing the DTI information and insurance processing information in the storage medium.

According to another embodiment of the present invention, when the storage medium is provided in the DBMS provided on the financial system, the information storage unit 270 is the customer information and loan application amount included in the received security loan application information Customer information including at least one information, income proof information, collateral information, insurance application information, collateral loan application information, insurance subscription information, the security value information, LTV and DTI information, insurance subscription processing information on the financial system; It is preferable to provide the information system through the external system and store it in the DBMS provided on the financial system.

Referring to FIG. 2, an electronic document server 275 which receives a predetermined mortgage account electronic document from the financial institution server 200 provided on the mortgage account opening system and stores and manages the electronic document D / B in a predetermined electronic document D / B. ), An electronic document receiving unit 280 for receiving a predetermined mortgage account electronic document from the financial institution server 200 through a predetermined communication means, and the received mortgage account electronic document to the electronic document D / B. An information generation unit 285 for generating predetermined electronic document management information for storage and management; and an electronic document for storing the electronic document management information and the secured loan account electronic document in a predetermined electronic document D / B. It is characterized by comprising a storage unit 290.

The electronic document receiving unit 280 is characterized in that for receiving the security loan electronic document in the form of an image file or a document file from the financial institution server 200 through the communication means.

According to an embodiment of the present invention, the secured loan electronic document received by the electronic document receiving unit 280 through the communication means is an image file including the image content received by the financial institution server 200 from the terminal device. It is preferable to include as it is.

Alternatively, the loan application electronic document received by the electronic document receiving unit 280 through the communication means is a loan application included in the security loan application information in the image content received by the financial institution server 200 from the terminal device. At least one or more of amount information, income proof information, collateral information, insurance application information, collateral value information about the collateral of the customer identified through the collateral value verification unit 230, and the information calculating unit 235; It is preferable to include an image file corresponding to the image content including the customer LTV and DTI information calculated through the insurance insurance processing information of the customer through the insurance processing unit 240 in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the secured loan electronic document received by the electronic document receiving unit 280 through the communication means includes a predetermined image content that the financial company server 200 receives from the terminal device. A document file (e.g., 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 it.

Alternatively, the loan application electronic document received by the electronic document receiving unit 280 through the communication means is the loan application amount included in the security loan application information in the image content received by the financial institution server 200 from the terminal device. At least one or more of information, income proof information, collateral information, insurance application information, collateral value information about the collateral of the customer identified through the collateral value verification unit 230, and the information calculating unit 235. A predetermined document file (eg, PDF (Portable Document Format) including image content including the calculated customer LTV and DTI information and insurance insurance processing information of the customer through the insurance processor 240 in a watermarking manner. ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document wave including an MHT. It is preferred comprising the like).

According to another embodiment of the present invention, the mortgage loan electronic document received by the electronic document receiving unit 280 through the communication means is the image content and the collateral received by the financial company server 200 from the terminal device. Loan application information and the collateral value information of the security of the customer confirmed through the security value verification unit 230, the customer LTV and DTI information calculated through the information calculation unit 235, the insurance processing unit 240 A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing at least one predetermined document file including insurance information processing information of the customer through , Or a web document file including MHT).

Alternatively, the loan application electronic document received by the electronic document receiving unit 280 through the communication means is the loan application amount included in the security loan application information in the image content received by the financial institution server 200 from the terminal device. At least one or more of information, income proof information, collateral information, insurance application information, collateral value information about the collateral of the customer identified through the collateral value verification unit 230, and the information calculating unit 235. A predetermined document file including the calculated customer LTV and DTI information, the image contents including the insurance subscription processing information of the customer through the insurance processor 240 in a watermarking manner, and the security loan application information (for example, Or a word processor file including at least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, or the like. Web document file including MHT).

The information generating unit 285 is a predetermined electronic document unique number (or unique information) to be assigned to the secured loan account electronic document received through the electronic document receiving unit 280, and through the electronic document receiving unit 280 And generating electronic document management information including electronic document storage date and time information including a date and time at which the secured loan account electronic document was received (or a date and time at which the secured loan account electronic document was stored).

According to an embodiment of the present invention, the information generating unit 285 refers to the mortgage account electronic by referring to the financial institution server 200 that has transmitted the mortgage account electronic document received through the electronic document receiving unit 280. It is preferable to identify the financial institution that has sent the document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 280 further receives a predetermined electronic document related information from the financial company server 200, the information generating unit 285 is the received electronic Document-related information (e.g., customer information for creating a secured loan account application corresponding to the image content, financial institution information for transmitting the secured loan account electronic document, electronic document file format information, or the secured loan application information, etc.) It is preferable to generate the electronic document management information further comprising.

The electronic document storage unit 290 associates a secured loan electronic document received through the electronic document receiving unit 280 with electronic document management information generated through the information generating unit 285 to process a predetermined electronic document D. It stores in / B.

According to an exemplary embodiment of the present invention, the mortgage loan electronic document stored in the electronic document D / B by the electronic document storage unit 290 includes image contents received by the financial institution server 200 from the terminal device. It is preferable that the image file is included as it is.

Alternatively, the mortgage account electronic document stored in the electronic document D / B by the electronic document storage unit 290 is included in the security loan application information in the image content received by the financial institution server 200 from the terminal device. At least one or more information of the loan application amount information, income proof information, collateral information, insurance application information and the collateral value information for the collateral of the customer identified through the collateral value verification unit 230, the information calculation unit ( It is preferable to include an image file corresponding to the image content including the customer LTV and DTI information calculated through the step 235, the insurance subscription processing information of the customer through the insurance processing unit 240 in a watermarking method (Watermarking) Do.

According to another exemplary embodiment of the present invention, the mortgage account electronic document stored in the electronic document D / B by the electronic document storage unit 290 may be configured to display image content received by the financial institution server 200 from the terminal device. 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).

Alternatively, the secured loan electronic document stored in the electronic document D / B by the electronic document storage unit 290 is included in the secured loan application information in the image content received by the financial institution server 200 from the terminal device. At least one or more information of the loan application amount information, income proof information, collateral information, insurance application information and the collateral value information for the collateral of the customer confirmed through the security value verification unit 230, the information calculation unit 235 A predetermined document file (e.g., PDF (e.g., PDF) containing image content including the customer LTV and DTI information calculated through the &lt; RTI ID = 0.0 &gt; and / or &lt; / RTI &gt; Portable Document Format (EDI) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more such as HWP / DOC, or web document files including MHT Etc.) is preferable.

According to another exemplary embodiment of the present invention, the secured loan electronic document stored in the electronic document D / B by the electronic document storage unit 290 is an image content received by the financial institution server 200 from the terminal device. And the collateral loan application information and the collateral value information about the collateral of the customer confirmed through the collateral value verification unit 230, the customer LTV and DTI information calculated through the information calculating unit 235, the insurance processing unit ( 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 insurance processing information of the customer through 240; Processor file, or a web document file including MHT).

Alternatively, the mortgage loan electronic document stored in the electronic document D / B by the electronic document storage unit 290 may be included in the security loan application information in the image content received by the financial institution server 200 from the terminal device. At least one or more information of the loan application amount information, income proof information, collateral information, insurance application information and the collateral value information for the collateral of the customer confirmed through the security value verification unit 230, the information calculation unit 235 A predetermined document including the customer LTV and the DTI information calculated through the), the image content including the insurance subscription processing information of the customer through the insurance processing unit 240 in a watermarking method and the security loan application information Word processor files including at least one file (e.g., Portable Document Format (PDF) file, Electronic Data Interchange (EDI) file, HWP / DOC, etc.), or MHT It is preferable that the web document file including a).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 290 in association with the secured loan account electronic document is allocated to the secured loan account electronic document. It is preferable to include a predetermined electronic document unique number (or unique information) 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 by the electronic document storage unit 290 in association with the secured loan account electronic document is stored in the secured loan electronic document. It is preferable that the financial institution server 200 further includes information on the financial institution that has transmitted the secured loan account electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the financial institution server 200, the electronic document storage unit 290 processes the electronic loan document in association with the secured loan electronic document. The electronic document management information stored in the document D / B may include information about the received electronic document (for example, customer information for which a mortgage account application corresponding to the image content is prepared, or a financial institution that transmits the mortgage account electronic document). Information, electronic document file format information, or the security loan application information).

Figure 3 illustrates an implementation method provided with a DBMS on a financial system a storage medium for storing customer information, collateral loan application information, and insurance information corresponding to a secured loan account opened in a face-to-face manner according to an embodiment of the present invention. One drawing.

More specifically, Figure 3 is the ledger D / B of the ledger D / B provided in the DBMS on the financial system or the storage medium shown in Figure 2, the ledger information provided in the ledger D / B Figure 1 shows the configuration of information on an implementation method of storing the customer information, collateral loan application information, and insurance information, and if the person of ordinary skill in the art to which the present invention pertains, refer to or modify this figure 3. In order to infer the various information configuration method for storing the customer information, mortgage loan application information, insurance subscription information in the ledger D / B, the present invention includes all the implementation method inferred, as shown in Figure 3 It is not limited only to the implementation method shown.

Referring to Figure 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is linked to a predetermined customer ledger, the customer ledger and the collateral shown in Figure 2 The account ledger corresponding to the financial account opened through the loan account opening system and at least one information associated with the account ledger are shown to be included. If a person having ordinary knowledge in the technical field to which the present invention belongs, The ledger D / B provided in the DBMS on the financial system maintains at least one ledger (for example, a ledger, loan ledger, mortgage ledger, ..., etc.) or the ledgers in addition to the customer ledger and the account ledger shown in FIG. And at least one additional information for management. Since it will be described, a detailed description thereof 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 the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger in a relational manner, and as a ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical reception information including at least one period extension, expiration date, and target amount, or at least one account number corresponding to the account ledger, deposit amount, par value, pension date, and number of shares. Trust reception information, or account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line Transaction history information including at least one of the above, a brief description, and a CIF.

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.

According to an embodiment of the present invention, the storage medium is the ledger D / B, or referring to this drawing 3 including the implementation method provided in the ledger D / B, the secured loan account shown in Fig. 2 is opened. Recalling customer information, mortgage loan application information, insurance subscription information including at least one of the customer information, loan application amount information, income proof information, security information, insurance application information included in the security loan application information provided through the system; And is stored in the form of additional information added to the account ledger.

Preferably, the loan application amount information includes a loan amount to be loaned by the customer.

It is preferable that the income evidence information includes at least one of statement income and evidence income.

In this case, the stated income is the income described in the loan application submitted by the security loan application customer, and includes items such as working company, business type, employment type, working period, working department, career, age, etc. In the case of self-employed persons, this may include items such as business type, period of service, career, and age.

The proof income may include earned income, business income, pension income, real estate rental income, and in the case of earned income, it may include information on receipt of withholding of income income, income amount information, and salary deposit information. In the case of business income, it may include income amount certificate information, business income tax withholding information, tax base confirmation declaration information, and voluntary payment statement information.In the case of pension income, pension certificate information, pension beneficiary identification information, and pension receipt account information In the case of real estate rental income, it may include information on the amount of the rental income certificate, and registered information on the real estate register.

The collateral information is preferably made to include information on registration rights for the collateral provided by the customer for the security loan application in exchange for receiving a loan.

The insurance application information above is the delinquent occurrence and recovery of the current loan bonds, which are caused by additional loans for the purpose of increasing the loan limit for the amount of the first-deferred repayment deposit and 20% of the collateral reserve value deducted in the collateral evaluation. It is preferable to include the consent information of the loan application customer for insurance to cover the credit risk, such as incapacity.

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

According to another embodiment of the present invention, the collateral loan application information is stored in the form of information included in the account ledger (not shown), or added to another ledger other than the account ledger (for example, the customer ledger). It can be stored in the form of information, or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

Figure 4 is a ledger D / A storage medium for storing the customer information, collateral loan application information, insurance subscription information corresponding to the security loan account opened in a face-to-face according to another embodiment of the present invention D / A diagram illustrating an implementation method including a database associated with B. FIG.

In more detail, FIG. 4 illustrates an information structure of an exemplary embodiment in which the storage medium illustrated in FIG. 2 includes a predetermined database linked to a ledger D / B provided in a DBMS on a financial system. Those skilled in the art to which the invention pertains to refer to or modify this figure 4 to store the customer information, collateral loan application information, insurance subscription information in a predetermined database in association with the ledger D / B Various information construction methods may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, this figure 4 is not easy to store the customer information, mortgage loan application information, insurance information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution) If it is not easy to change the ledger D / B of the DBMS, or the system expansion is not easy due to the characteristics of the financial system), the customer information, collateral loan application information, insurance in a predetermined database instead of the ledger D / B. A method of storing subscription information and storing the subscription information in association with the database and the ledger D / B is illustrated.

In addition, the database shown in FIG. 4 does not have to be provided on a DBMS provided on the financial system as in the implementation method shown in FIG. 4, and the database on the Internet banking system, or tele It may be configured in the form of a database on a banking system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 4, wherein the storage medium includes a database associated with the ledger D / B provided in the DBMS on the financial system, the database is included in the mortgage application information. Customer information, loan application amount information, income proof information, collateral information, insurance application information including at least one, characterized in that for storing the customer information, collateral loan application information, insurance subscription information, the customer information, mortgage loan Application information and insurance subscription information is preferably made to further include a CIF number corresponding to the ledger information in the customer information, collateral loan application information, insurance subscription information in order to be processed in connection with the ledger D / B.

Preferably, the loan application amount information includes a loan amount to be loaned by the customer.

The income evidence information preferably comprises at least one statement income and evidence income.

In this case, the stated income is the income described in the loan application submitted by the security loan application customer, and includes items such as working company, business type, employment type, working period, working department, career, age, etc. In the case of self-employed persons, this may include items such as business type, period of service, career, and age.

The proof income may include earned income, business income, pension income, real estate rental income, and in the case of earned income, it may include information on receipt of withholding of income income, income amount information, and salary deposit information. In the case of business income, it may include income amount certificate information, business income tax withholding information, tax base confirmation declaration information, and voluntary payment statement information.In the case of pension income, pension certificate information, pension beneficiary identification information, and pension receipt account information In the case of real estate rental income, it may include information on the amount of the rental income certificate, and registered information on the real estate register.

The collateral information is preferably made to include information on registration rights for the collateral provided by the customer for the security loan application in exchange for receiving a loan.

The insurance application information above is the delinquent occurrence and recovery of the current loan bonds, which are caused by additional loans for the purpose of increasing the loan limit for the amount of the first-deferred repayment deposit and 20% of the collateral reserve value deducted in the collateral evaluation. It is preferable to include the consent information of the loan application customer for insurance to cover the credit risk, such as incapacity.

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

5 is a storage medium for storing customer information, collateral loan application information, and insurance subscription information corresponding to a secured loan account opened in a face-to-face manner according to another embodiment of the present invention, including a DBMS provided in a banking server; It is a figure which shows the implementation method.

In more detail, FIG. 5 shows a storage medium shown in FIG. 2 provided in a DBMS provided in a predetermined banking server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As one embodiment, those skilled in the art to which the present invention pertains, customer information stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the figure 5, mortgage loan It is possible to infer a method of configuring information on the application information, insurance information, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 5, wherein the storage medium includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is included in the security loan application information. Customer information, loan application amount information, income proof information, mortgage information, insurance application information including at least one or more, characterized in that it stores the information on the security loan application, insurance subscription information.

Preferably, the loan application amount information includes a loan amount to be loaned by the customer.

The income evidence information preferably comprises at least one statement income and evidence income.

In this case, the stated income is the income described in the loan application submitted by the security loan application customer, and includes items such as working company, business type, employment type, working period, working department, career, age, etc. In the case of self-employed persons, this may include items such as business type, period of service, career, and age.

The proof income may include earned income, business income, pension income, real estate rental income, and in the case of earned income, it may include information on receipt of withholding of income income, income amount information, and salary deposit information. In the case of business income, it may include income amount certificate information, business income tax withholding information, tax base confirmation declaration information, and voluntary payment statement information.In the case of pension income, pension certificate information, pension beneficiary identification information, and pension receipt account information In the case of real estate rental income, it may include information on the amount of the rental income certificate, and registered information on the real estate register.

The collateral information is preferably made to include information on registration rights for the collateral provided by the customer for the security loan application in exchange for receiving a loan.

The insurance application information above is the delinquent occurrence and recovery of the current loan bonds, which are caused by additional loans for the purpose of increasing the loan limit for the amount of the first-deferred repayment deposit and 20% of the collateral reserve value deducted in the collateral evaluation. It is preferable to include the consent information of the loan application customer for insurance to cover the credit risk, such as incapacity.

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

6A and 6B illustrate a process of opening a security loan account for a security loan linked to insurance in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 6A and 6B are window terminals in which a terminal device on a mortgage account opening system shown in FIG. In the case of having a ledger server (not shown) function in the financial system associated with the teller terminal through a loan, the amount of loan application information and proof of income to establish a secured loan account for a secured loan linked to insurance In the case of preparing and submitting a secured loan account application including at least one information, collateral information, and insurance application information, the financial institution opens and processes a secured loan account in a face-to-face manner based on the secured loan account application. In detail, when the customer fills out the mortgage loan application form and submits it to the counter, the counter terminal After obtaining predetermined image contents corresponding to the secured loan account application through a predetermined image acquisition device and transmitting the predetermined image content to the financial institution server 200, input (or select) the secured loan application information corresponding to the secured loan account application. ) And transmits to the financial institution server 200 based on the security loan application information including at least one loan application amount information, income proof information, collateral information, insurance subscription application information in the financial institution server 200. It shows an implementation method of opening the mortgage account.

Those skilled in the art to which the present invention pertains, various analogous method of registering the mortgage loan application information to the financial company server 200 in the window terminal by referring to or modifying the drawings 6a and 6b. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 6A and 6B.

For example, although the embodiment shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the secured loan account application and storing it in an electronic document storage, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the method shown in FIGS. 6A and 6B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the secured loan account application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) the security loan application information corresponding to the security loan account application is illustrated as being provided from the financial institution server 200, but a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the financial institution server 200, and the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the financial institution server 200 shown in Figure 2 is referred to as "server" for convenience.

Referring to Figures 6a and 6b, a predetermined customer prepares a mortgage loan application form including at least one loan application amount information, income proof information, collateral information, insurance application information for secured loans linked to insurance When submitted, the teller terminal shown in FIG. 2 connects to the server via a predetermined financial network, and connects a predetermined communication channel to the user interface for the secured loan associated with insurance corresponding to the secured loan account application. In response to the request (600), the server in response to the user interface for acquiring the predetermined image content corresponding to the security loan application written by the customer through a predetermined image acquisition device from the terminal to transmit to the server; Generate (or extract) 605 and recall the generated (or extract) user interface via the financial network. The data is transmitted to the terminal and output (610).

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

If image content corresponding to the secured loan account 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 (or selects) secured loan application information including at least one loan application amount information, income proof information, collateral information, and insurance application information corresponding to the secured loan account application matching the image content. By generating (or extracting) a user interface for transmission to the server (630), and transmits the generated (or extracted) user interface to the terminal through the financial network and outputs (635).

Thereafter, the terminal inputs (or selects) secured loan application information including at least one of the loan application amount information, income proof information, collateral information, and insurance application information through the user interface (640).

If the loan application information including at least one loan application amount information, income proof information, security information, insurance application information is input (or selected) through the user interface (645), the terminal is connected to the financial network. Through the input (or selected) secured loan application information to the server through (650).

Thereafter, the server receives and reads the security loan application information including at least one of the loan application amount information, income proof information, security information, and insurance application information through the financial network, thereby validating the security loan application information. Check (655).

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

For example, the verification of the validity of the security loan application information is based on the financial system in which the customer information (customer personal information, member information, etc.) of the information included in the security loan application information is linked to the security loan opening system. It is preferable to include a check that matches the customer ledger stored in the D / B.

If the validity of the security loan application information is not authenticated (660), the server generates predetermined financial account error information and transmits it to the terminal (665), opening a security loan account corresponding to the security loan application information. Do not perform the procedure.

On the other hand, if the validity of the security loan application information is authenticated (660), the server checks the security value for the collateral presented by the customer for the security loan as collateral (670).

According to an embodiment of the present invention, the server is characterized in that the collateral loan customer confirms the collateral value for the collateral presented as collateral for the collateral loan, in particular interlocked with a predetermined collateral evaluation server connected through a communication network It is preferable to check the collateral value for the collateral presented by the customer.

For example, the server provides collateral information (eg, registered rights information, etc.) included in the collateral loan application information of the customer to the collateral evaluation server, and receives collateral value information corresponding to the collateral information from the collateral evaluation server. Characterized in that.

When the collateral value is confirmed, the server calculates the collateral loan ratio and the debt repayment ratio of the customer based on the income proof information included in the collateral loan application information of the collateral loan application customer and the confirmed collateral value information ( 675).

According to an embodiment of the present invention, the server may calculate the mortgage loan rate and the debt repayment rate of the customer based on the income proof information and the confirmed collateral value information included in the mortgage loan application information of the mortgage loan request customer. Can be.

According to an embodiment of the present invention, the server uses the security value information on the security of the security loan application customer, the security loan amount information and the small loan security information requested by the customer, etc. It is desirable to calculate the mortgage loan ratio (LTV).

In addition, according to an embodiment of the present invention, if the income proof information included in the security loan application information is statement income or evidence income, it is to calculate the debt repayment ratio (DTI) regardless of the calculated LTV. desirable.

Thereafter, the server processes the insurance for the additional loan amount based on the insurance subscription application information, the customer security loan application amount information, the collateral value information, etc. included in the collateral loan application information (680).

According to the implementation method of the present invention, the server is to process the insurance subscription for the additional loan amount based on the insurance subscription application information, customer security loan application amount information, collateral value information, etc. included in the security loan application information. desirable.

According to the implementation method of the present invention, when the loan loan customer is applying for a loan to exceed the standard LTV of the calculated mortgage loan customer, if the loan amount is 44% to 60% of the LTV, If the loan amount is 60% to 80% of the LTV, the additional loan amount (for example, if the LTV is 80%, 20% of the collateral value) It is desirable to calculate the amount equivalent to the sum of the amount of insurance).

In addition, according to an embodiment of the present invention, the server is connected to an insurance company server through a communication network based on the insurance subscription application information included in the security loan application information and the calculated insurance subscription amount information based on the insurance subscription of the customer Characterized in that the processing.

Subsequently, when the image content transmitted from the terminal device is received, the validity of the security loan application information is authenticated, and the insurance for the security loan of the customer is processed, the server includes the image content. Create a secured loan electronic document (685).

According to an embodiment of the present invention, it is preferable that the server processes the image file including the image content received from the terminal device as a security loan electronic document for a security loan linked to the insurance.

Alternatively, the server may include at least one or more information of loan request amount information, income proof information, security information, and insurance subscription request information included in the received security loan application information in the image content received from the terminal device. The image file corresponding to the image contents including the security value information of the security collateral of the customer, the calculated customer LTV and DTI information, and the insurance insurance processing information of the customer in a watermarking manner. It is desirable to create a mortgage account electronic document for a mortgage.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate a secured loan account electronic document for collateral loans associated with the insurance.

Alternatively, the server may include at least one or more information of loan application amount information, income proof information, security information, insurance subscription application information, and the like, included in the received security loan application information, in the image content received from the terminal device. Generating image contents including collateral value information about the collateral of the customer, the calculated customer LTV and DTI information, and insurance processing information of the customer by a watermarking method, and including the generated image content. A predetermined document file (e.g., 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) By generating, it is preferable to generate a secured loan account electronic document for the secured loan associated with the insurance.

According to another exemplary embodiment of the present invention, the server may include the image content received from the terminal device, the received collateral loan application information, collateral value information about the confirmed collateral of the customer, and the calculated customer LTV. And a word including at least one DTI information, a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the insurance insurance processing information of the customer. By generating a processor file, or a web document file including the MHT), it is preferable to generate a secured loan account electronic document for the secured loan associated with the insurance.

Alternatively, the server may include at least one or more information of loan application amount information, income proof information, security information, insurance subscription application information, and the like, included in the received security loan application information, in the image content received from the terminal device. Generating image content including the collateral value information of the collateral of the customer, the calculated customer LTV and DTI information, and the insurance subscription processing information of the customer by a watermarking method, and the generated image content and the collateral A predetermined document file including loan application information (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 MHT). To generate a collateral loan account electronic document for the collateral loan in connection with the insurance It is preferred.

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

Thereafter, the server stores the generated mortgage account electronic document in a predetermined electronic document storage (690).

As shown in FIG. 2, the electronic document storage is provided externally including a predetermined electronic document server 275 and an electronic document D / B connected to a server on the secured loan account opening system through predetermined communication means. In this case, it is preferable that the server transmits the generated mortgage account electronic document to the electronic document server 275 through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the secured loan account opening system, the server stores the generated collateral loan account electronic document on the DBMS provided in the secured loan account opening system. It is possible to store in an electronic document D / B corresponding to the present invention, thereby not limited to the present invention.

According to an embodiment of the present invention, the storing of the secured loan account electronic document in the electronic document storage is performed by linking the generated secured loan account electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the secured loan 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 secured loan account electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer information for which a secured loan account application corresponding to the image content is prepared, financial institution information for transmitting the secured loan account electronic document, or an electronic document file). Format information, or the security loan application information).

If the secured loan account electronic document is stored in the electronic document repository (695), the server is based on the loan application amount information, income proof information, collateral information, insurance subscription application information included in the secured loan application information Generate financial account information (696).

Herein, the financial account information may include an account number and an interest rate information corresponding to the security loan account opened based on the security loan application information, and when the security loan account includes a savings attribute, It is preferable that the subscription period, the payment date and time, and the amount of payment information.

Thereafter, the server is linked to the financial system to include the financial account information based on the loan application amount information, income proof information, collateral information, and insurance application information included in the security loan application information. Open and handle financial accounts (697).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, so as to respond to the insurance loan application information. It is characterized in that the opening of a predetermined financial account for collateral loans associated with.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B on the financial system to generate a predetermined ledger including the financial account information.

Thereafter, the server includes at least one of customer information, loan application amount information, income proof information, collateral information, insurance application information included in the security loan application information, security loan application information, and insurance subscription information. And customer information, mortgage loan application information, insurance subscription information and at least one of the customer information, loan application amount information, income proof information, collateral information, and insurance application information included in the collateral loan application information. Information, LTV and DTI information, and insurance processing information are generated and stored in a predetermined storage medium (698).

According to an embodiment of the present invention, when the storage medium is provided in the server or on a network associated with the server, the server includes the customer information and the loan request amount included in the received security loan application information. Customer information including at least one information, income proof information, collateral information, insurance application information, collateral loan application information, insurance subscription information and the customer information included in the security loan application information and loan application amount information, income proof Customer information including at least one information, collateral information, insurance application information, collateral loan application information, insurance information and the security value information, LTV and DTI information, insurance processing information is preferably stored in the storage medium Do.

According to another embodiment of the present invention, when the storage medium is provided in the DBMS provided on the financial system, the server includes the customer information, loan application amount information, and income proof information included in the received security loan application information. Customer information, mortgage application information, insurance information and insurance application information included in the at least one or more information, such as insurance information, insurance application information, loan application amount information, income proof information, security information, Providing customer information including at least one insurance application information, collateral loan application information, insurance subscription information, the security value information, LTV and DTI information, and insurance subscription processing information to the information system through the external system in the financial system. It is desirable to store in a DBMS provided on the system.

Thereafter, the server may provide predetermined financial account opening history information (for example, the mortgage account opening history, or a history of storing the mortgage account electronic document in the electronic document repository, or the mortgage loan application information in the storage medium). The stored details) are generated (or extracted) and transmitted to the terminal (699).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the secured loan account opening system (or associated with the secured loan account opening system), wherein the storage The medium may be a ledger D / B provided in the DBMS on the financial system 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 is at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the secured loan opening system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of opening a security loan account for a security loan linked to insurance in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals in which a terminal device on a mortgage account opening system shown in FIG. In the case of having a ledger server (not shown) function in the financial system associated with the teller terminal through a loan, the amount of loan application information and proof of income to establish a secured loan account for a secured loan linked to insurance In the case of preparing and submitting a secured loan account application including at least one information, collateral information, and insurance application information, the financial institution opens and processes a secured loan account in a face-to-face manner based on the secured loan account application. In detail, when the customer fills out the mortgage loan application form and submits it to the counter, the counter terminal After inputting (or selecting) the security loan application information corresponding to the security loan account application to the financial institution server 200, the predetermined image content corresponding to the security loan account application is transferred through a predetermined image acquisition device. Obtaining and transmitting the information to the financial institution server 200 based on the security loan application information including at least one of the loan application amount information, income proof information, collateral information, and insurance application information. It shows an implementation method of opening the mortgage account.

If one of ordinary skill in the art to which the present invention pertains, various implementation methods for registering the mortgage loan application information with the financial company server 200 at the window terminal by referring to or modifying the drawings 7a and 7b. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, although the embodiment shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the secured loan application and storing it in an electronic document storage, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the method shown in FIGS. 7A and 7B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the secured loan account application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) the security loan application information corresponding to the security loan account application is illustrated as being provided from the financial institution server 200, but a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the financial institution server 200, and the present invention is not limited thereto.

In the following Figures 7a and 7b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the financial company server 200 shown in Figure 2 is referred to as "server" for convenience, and said window terminal The loan application amount information, income proof information, collateral information, insurance application information sent to the financial company server 200 is referred to as "collateral loan application information" for convenience.

Referring to Figures 7a and 7b, a predetermined customer prepares a mortgage account application including at least one loan application amount information, income proof information, collateral information, insurance application information for secured loans linked to insurance When submitted, the teller terminal shown in FIG. 2 connects to the server via a predetermined financial network, and connects a predetermined communication channel to the user interface for the secured loan associated with insurance corresponding to the secured loan account application. If requested (700), the server corresponding to the security loan application information including at least one or more loan application amount information, income proof information, collateral information, insurance subscription application information corresponding to the mortgage account application prepared by the customer Generate (or extract) a user interface for inputting (or selecting) and sending it to the server (705); To the generated outputs to transmit the user interface (or extract) to the mobile station 710. The

Thereafter, the terminal inputs (or selects) the security loan application information including at least one of the loan application amount information, income proof information, security information, and insurance application information through the user interface (715).

If the loan application information including at least one loan application amount information, income proof information, collateral information, insurance application information is input (or selected) through the user interface (720), the terminal is connected to the financial network. The collateral loan application information is transmitted to the server through the input (or selection) (725).

Thereafter, the server receives and reads the security loan application information including at least one of the loan application amount information, income proof information, security information, and insurance application information through the financial network, thereby validating the security loan application information. Check (730).

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

For example, the verification of the validity of the security loan application information is based on the financial system in which the customer information (customer personal information, member information, etc.) of the information included in the security loan application information is linked to the security loan opening system. It is preferable to include a check that matches the customer ledger stored in the D / B.

If the validity of the security loan application information is not authenticated (735), the server generates a predetermined financial account error information and transmits it to the terminal (740), opening a security loan account corresponding to the security loan application information Do not perform the procedure.

On the other hand, if the validity of the security loan application information is authenticated (735), the server obtains the predetermined image content corresponding to the security loan application written by the customer through the predetermined image acquisition device in the terminal to the server; A user interface for transmission 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 secured loan account application through a predetermined image acquisition device based on the user interface (755).

If image content corresponding to the secured loan account application is obtained 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 collateral loan application information and the image content from the terminal, checks the collateral value of the collateral which is offered as the collateral for the collateral loan by the collateral loan application customer (770).

According to an embodiment of the present invention, the server is characterized in that the collateral loan customer confirms the collateral value for the collateral presented as collateral for the collateral loan, in particular interlocked with a predetermined collateral evaluation server connected through a communication network It is preferable to check the collateral value for the collateral presented by the customer.

For example, the server provides collateral information (eg, registered rights information, etc.) included in the collateral loan application information of the customer to the collateral evaluation server, and receives collateral value information corresponding to the collateral information from the collateral evaluation server. Characterized in that.

When the collateral value is confirmed, the server calculates the collateral loan ratio and the debt repayment ratio of the customer based on the income proof information included in the collateral loan application information of the collateral loan application customer and the confirmed collateral value information ( 775).

According to an embodiment of the present invention, the server may calculate the mortgage loan rate and the debt repayment rate of the customer based on the income proof information and the confirmed collateral value information included in the mortgage loan application information of the mortgage loan request customer. Can be.

According to an embodiment of the present invention, the server uses the security value information on the security of the security loan application customer, the security loan amount information and the small loan security information requested by the customer, etc. It is desirable to calculate the mortgage ratio (LTV).

In addition, according to an embodiment of the present invention, if the income proof information included in the security loan application information is statement income or evidence income, it is to calculate the debt repayment ratio (DTI) regardless of the calculated LTV. desirable.

Thereafter, the server processes the insurance for the additional loan amount based on the insurance subscription application information, the customer security loan application amount information, the collateral value information, etc. included in the collateral loan application information (780).

According to the implementation method of the present invention, the server is to process the insurance subscription for the additional loan amount based on the insurance subscription application information, customer security loan application amount information, collateral value information, etc. included in the security loan application information. desirable.

According to the implementation method of the present invention, when the loan loan customer is applying for a loan to exceed the standard LTV of the calculated mortgage loan customer, if the loan amount is 44% to 60% of the LTV, The amount equivalent to the small lease deposit is calculated as the insurance amount, and if the loan amount is 60% to 80% of the LTV, the additional loan amount (for example, 20% of the collateral value if the LTV is 80%) It is desirable to calculate the amount equivalent to the sum of the small lease deposit) and the insurance amount.

In addition, according to an embodiment of the present invention, the server is connected to an insurance company server through a communication network based on the insurance subscription application information included in the security loan application information and the calculated insurance subscription amount information based on the insurance subscription of the customer Characterized in that the processing.

Subsequently, when the image content transmitted from the terminal device is received, the validity of the security loan application information is authenticated, and the insurance for the security loan of the customer is processed, the server includes the image content. Create a secured loan electronic document (785).

According to an embodiment of the present invention, it is preferable that the server processes the image file including the image content received from the terminal device as a security loan electronic document for a security loan linked to the insurance.

Alternatively, the server may include at least one or more information of loan application amount information, income proof information, security information, insurance subscription application information, and the like, included in the received security loan application information, in the image content received from the terminal device. An image file corresponding to image content including collateral value information of the collateral of the customer, the calculated customer LTV and DTI information, and the insurance subscription processing information of the customer in a watermarking manner is associated with the insurance. It is desirable to create a mortgage account electronic document for a mortgage.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate a secured loan account electronic document for collateral loans associated with the insurance.

Alternatively, the server may include at least one or more information of loan application amount information, income proof information, security information, insurance subscription application information, and the like, included in the received security loan application information, in the image content received from the terminal device. Generating image contents including collateral value information about the collateral of the customer, the calculated customer LTV and DTI information, and insurance processing information of the customer by a watermarking method, and including the generated image content. A predetermined document file (e.g., 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) By generating, it is preferable to generate a secured loan account electronic document for the secured loan associated with the insurance.

According to another exemplary embodiment of the present invention, the server may include the image content received from the terminal device, the received collateral loan application information, collateral value information about the confirmed collateral of the customer, and the calculated customer LTV. And a word including at least one DTI information, a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the insurance insurance processing information of the customer. By generating a processor file, or a web document file including the MHT), it is preferable to generate a secured loan account electronic document for the secured loan associated with the insurance.

Alternatively, the server may include at least one or more information of loan application amount information, income proof information, security information, insurance subscription application information, and the like, included in the received security loan application information, in the image content received from the terminal device. Generating image content including the collateral value information of the collateral of the customer, the calculated customer LTV and DTI information, and the insurance subscription processing information of the customer by a watermarking method, and the generated image content and the collateral A predetermined document file including loan application information (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 MHT). Generating a secured loan account electronic document for the secured loan associated with the insurance by creating a web document file). This is preferred.

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

Thereafter, the server stores the generated secured loan account electronic document in a predetermined electronic document storage (790).

As shown in FIG. 2, the electronic document storage is provided externally including a predetermined electronic document server 275 and an electronic document D / B connected to a server on the secured loan account opening system through predetermined communication means. In this case, it is preferable that the server transmits the generated mortgage account electronic document to the electronic document server 275 through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the secured loan account opening system, the server stores the generated collateral loan account electronic document on the DBMS provided in the secured loan account opening system. It is possible to store in the electronic document D / B corresponding to the present invention, thereby not limited.

According to an embodiment of the present invention, the storing of the secured loan account electronic document in the electronic document storage is performed by linking the generated secured loan account electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the secured loan 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 secured loan account electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer information for which a secured loan account application corresponding to the image content is prepared, financial institution information for transmitting the secured loan account electronic document, or an electronic document file). Format information, or the security loan application information).

If the secured loan account electronic document is stored in the electronic document repository (795), the server is based on the loan application amount information, income proof information, collateral information, insurance subscription application information included in the secured loan application information The financial account information is generated (796).

Herein, the financial account information may include an account number and an interest rate information corresponding to the security loan account opened based on the security loan application information, and when the security loan account includes a savings attribute, It is preferable that the subscription period, the payment date and time, and the amount of payment information.

Thereafter, the server is linked to the financial system to include the financial account information based on the loan application amount information, income proof information, collateral information, and insurance application information included in the security loan application information. Open and process financial accounts (797).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the insurance loan application information. It is characterized by opening a predetermined financial account for collateral loans to be linked.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B on the financial system to generate a predetermined ledger including the financial account information.

Thereafter, the server includes at least one of customer information, loan application amount information, income proof information, collateral information, insurance application information included in the security loan application information, security loan application information, and insurance subscription information. And customer information, mortgage loan application information, insurance subscription information and at least one of the customer information, loan application amount information, income proof information, collateral information, and insurance application information included in the collateral loan application information. Information, LTV and DTI information, insurance processing information is generated and stored in a predetermined storage medium (798).

According to an embodiment of the present invention, when the storage medium is provided in the server or on the network associated with the server, the server includes the customer information and loan request included in the received security loan application information. Customer information including at least one or more of the amount information, income proof information, collateral information, insurance application information, collateral loan application information, insurance subscription information and the customer information and loan application amount information, income included in the security loan application information, income Storing customer information including at least one of evidence information, collateral information, insurance application information, collateral loan application information, insurance subscription information, the security value information, LTV and DTI information, and insurance subscription processing information on the storage medium. desirable.

According to another embodiment of the present invention, when the storage medium is provided in the DBMS provided on the financial system, the server includes the customer information, loan application amount information, and income proof information included in the received security loan application information. Customer information, mortgage application information, insurance information and insurance application information included in the at least one or more information, such as insurance information, insurance application information, loan application amount information, income proof information, security information, Providing customer information including at least one insurance application information, collateral loan application information, insurance subscription information, the security value information, LTV and DTI information, and insurance subscription processing information to the information system through the external system in the financial system. It is desirable to store in a DBMS provided on the system.

Thereafter, the server may provide predetermined financial account opening history information (eg, the mortgage loan account opening history, or the details of storing the mortgage account electronic document in the electronic document repository, or the mortgage loan application information in the storage medium). Stored details) are generated (or extracted) and transmitted to the terminal (799).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the secured loan account opening system (or associated with the secured loan account opening system), wherein the storage The medium may be a ledger D / B provided in the DBMS on the financial system 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 is at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the secured loan opening system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

8 is a diagram illustrating a non-face-to-face collateral loan opening system for collateral loans linked to insurance according to another embodiment of the present invention.

In more detail, in Figure 8, a predetermined customer (for example, an individual who wants to secure a mortgage for a mortgage, etc.) is provided with a predetermined loan application amount information, income proof information, collateral information, insurance application information through a predetermined financial account opening interface. If the mortgage loan application information including at least one is provided to the financial institution, the financial institution opens a mortgage loan account for the mortgage loan linked to the insurance based on the mortgage loan application information, and the mortgage loan account. A system configuration for storing customer information, mortgage application information, and insurance information for managing the information in a predetermined storage medium. If the person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. We can infer various implementation methods for the construction of a mortgage account opening system for mortgage loans linked to insurance. The would, in the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 8.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify this drawing 8 to construct a secured loan account opening system omitting the method of storing the secured loan account electronic document in the electronic document storage. In addition, in the case of storing the secured loan account electronic document in the electronic document repository, the electronic document repository is provided in a DBMS located in the secured loan account opening system in addition to the method shown in FIG. It will be possible to infer the implementation method described above, but the present invention includes all 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. 8, the mortgage account electronic document is illustrated as being generated on the server side on the mortgage account opening system, but the present invention is not limited thereto. The collateral loan account electronic document may be generated on the terminal side which inputs (or selects) the collateral loan application information (eg, the electronic document generation function provided on the server side is provided on the terminal side). Generate an electronic document), by which the present invention is not limited.

Hereinafter, the customer is provided with the mortgage loan application information through the predetermined financial account opening interface on the mortgage account opening system shown in FIG. 8 to allow the customer to open the mortgage loan account, and corresponding to the predetermined loan. A component corresponding to at least one or more means or functional configuration for generating a secured loan electronic document and storing it in a predetermined electronic document storage is referred to as a "financial company server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, a secured loan account opening system for secured loans associated with the insurance includes at least one client terminal including at least one wired terminal or a wireless terminal used by a customer. Characterized in that it comprises a terminal device including the above, the terminal device is connected to the communication channel and the financial institution server 800 provided on the secured loan opening system through a predetermined network means.

According to an embodiment of the present invention, the customer connects to the financial institution server 800 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the financial company server When the security loan application information for the security loans associated with the insurance is input (or selected) through at least one user interface provided by the 800, the client terminal opens the security loan account system through a predetermined network means. It is preferable to transmit to the financial institution server 800 provided on the.

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 a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). Or at least one 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.

In addition, a wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or a mobile Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for GSM (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. Mobile communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or the A portable Internet terminal connected to an IEEE 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is formed, including at least one are preferred.

In addition, the financial institution server 800 connected to the client terminal may be any one of an Internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server.

The network means for connecting the client terminal and the financial institution server 800 may be a CDMA-based (or HSDPA-based) mobile communication network or an IEEE 802.16x-based portable Internet or IEEE 802.11 according to a wireless communication network type to which the client terminal is connected. Any one of x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval is preferably made.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial institution server 800, and inputs or selects at least one or more information through the user interface to transmit to the financial institution server 800 (E.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the financial institution server 800) are preferably 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 or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the above-described secured loan opening system, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or wireless connecting the client terminal and the financial institution server 800. The communication network performs a function of a financial account opening interface for the customer to register the security loan application information for the security loan associated with the insurance.

According to another exemplary embodiment of the present invention, the terminal device may include, in addition to the client terminal, an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network); A predetermined communication terminal further comprising a financial automation device (not shown) including a CD) or connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. (Not shown), or further comprising a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminal (or server) (not shown) provided in the may be further included, whereby the present invention is not limited.

In the mortgage account opening system as described above, when the terminal device is the financial automatic device (not shown), the financial automated device (not shown), the financial automatic device (not shown), and the financial company server 800 The financial network connecting to perform a function of the financial account opening interface for registering the mortgage loan application information for the mortgage loan associated with the insurance, or if the terminal device is the call terminal (not shown) The wired telephone network or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 800 registers the security loan application information for the collateral loan associated with the insurance. A terminal (or server) provided at an institution affiliated with the financial institution, which performs the function of an interface for opening a financial account for If omitted, the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the financial institution server 800 may allow the customer to secure a mortgage associated with the insurance. For the purpose of registering the mortgage loan application information, it performs the function of the financial account opening interface.

The storage medium provided on the secured loan account opening system according to the present invention includes the customer information and loan application amount information, income proof information, security information, insurance subscription application included in the secured loan application information provided from the terminal device. Characterized in that it stores customer information, mortgage loan application information, insurance subscription information including at least one information.

Preferably, the loan application amount information includes a loan amount to be loaned by the customer.

The income evidence information preferably comprises at least one statement income and evidence income.

In this case, the stated income is the income described in the loan application submitted by the security loan application customer, and includes items such as working company, business type, employment type, working period, working department, career, age, etc. In the case of self-employed persons, this may include items such as business type, period of service, career, and age.

The proof income may include earned income, business income, pension income, real estate rental income, and in the case of earned income, it may include information on receipt of withholding of income income, information on proof of income amount, and information on payroll payments. In the case of business income, it may include income amount certificate information, business income tax withholding information, tax base confirmation declaration information, and voluntary payment statement information.In the case of pension income, pension certificate information, pension beneficiary identification information, and pension receipt account information In the case of real estate rental income, it may include information on the amount of the rental income certificate, and registered information on the real estate register.

The collateral information is preferably made to include information on registration rights for the collateral provided by the customer for the security loan application in exchange for receiving a loan.

The insurance application information above is the delinquent occurrence and recovery of the current loan bonds, which are caused by additional loans for the purpose of increasing the loan limit for the amount of the first-deferred repayment deposit and 20% of the collateral reserve value deducted in the collateral evaluation. It is preferable to include the consent information of the loan application customer for insurance to cover the credit risk, such as incapacity.

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

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the secured loan account opening system (or associated with the secured loan account opening system), wherein the storage The medium may be a ledger D / B provided in the DBMS on the financial system 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 is at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the secured loan opening system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

The financial institution server 800 provided on the secured loan opening system according to the present invention is a generic term for the collateral loan opening system opening component connected to the terminal device through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 800 is located on the internet banking system. A predetermined internet banking server or a program provided in the internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the internet banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the Internet banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 800 is provided on the wireless banking system. A predetermined wireless banking server, a program included in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or to the server (or device). A program provided, or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or a program provided in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 800 is provided on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server (or accessible to the external system of the financial system through the telebanking system) Device), a program included in the server (or device), or a server (or device) provided in an external system on the financial system accessible through the telebanking server (or the server (or device)), Or it may be a program provided in 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 terminal device is a wired terminal (or two-way digital TV) capable of connecting with a TV banking server on a predetermined TV banking system, the financial institution server 800 is connected to the TV banking system. A predetermined TV banking server provided, a program provided in the TV banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the TV banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the TV banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to the embodiment of the present invention, the financial institution server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the terminal device through the network means.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 805 is based on a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 805 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the TCP / IP protocol. It 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 terminal device is a financial automation device connected to a predetermined financial network, the interface unit 805 may be assigned with the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and 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 terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 805 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the CDMA 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 terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 805 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the voice call and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 805 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 8, when a predetermined terminal device connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, the financial institution server 800 provides a security loan associated with the insurance. In order to generate (or extract) at least one user interface for inputting (or selecting) predetermined mortgage application information from the terminal device to the financial institution server 800, the terminal device generates and / or extracts at least one user interface. The interface providing unit 810 for providing the generated (or extracted) user interface to the terminal device, and when the terminal device inputs (or selects) the security loan application information through the user interface and transmits the interface, And an information receiving unit 815 for receiving the security loan application information transmitted from the terminal device in association with the unit 805. The features.

The interface providing unit 810 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, and then secures the mortgage loan associated with the insurance to the financial institution server 800. When requesting a user interface for the user, the terminal device generates (or selects) predetermined security loan application information and generates at least one or more user interfaces for transmitting to the financial institution server 800 through the network means, or And extracting from a predetermined database (not shown) and providing the generated (or extracted) user interface to the terminal apparatus through the network means in association with the interface unit 805.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 is provided by a browser program or a communication program provided in the client terminal. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automatic device connected to a predetermined financial network, the interface providing unit 810 may provide a predetermined financial transaction related program provided in the financial automatic device. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the ATM using the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser program or a communication program provided in the client terminal. 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 client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 810 may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface of the user interface and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 805. Do.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 810 is provided to the wired terminal (or two-way digital TV). It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 805.

According to another exemplary embodiment of the present invention, the terminal apparatus includes at least one user interface for inputting (or selecting) predetermined collateral loan application information to the financial institution server 800 through the network means. When the information registration program is provided, an interface for generating (or extracting) a user interface for inputting (or selecting) predetermined mortgage application information and transmitting it to the financial institution server 800 and providing it to the terminal device as described above. The providing unit 810 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) the security loan application information including at least one of the loan application amount information, income proof information, security information, and insurance application information through the user interface, and inputs (or Selects the security loan application information to the financial institution server 800 through the network means, and correspondingly, the information receiving unit 815 is connected to the interface unit 805 to transmit the collateral loan application information. Characterize in receiving the loan application information.

According to an embodiment of the present invention, the terminal apparatus may secure the mortgage loan from the financial institution server 800 in the mortgage loan application information including at least one of the loan application amount information, income proof information, security information, and insurance application information. The financial institution server 800 through the network means further includes at least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the application information. Is preferred.

According to an embodiment of the present invention, the terminal apparatus may include at least one encryption method (eg, a symmetric key) for collateral loan application information including at least one of the loan application amount information, income proof information, collateral information, and insurance application information. Based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) or by attaching a predetermined electronic signature to the secured loan application information, It is preferable to transmit to the financial institution server 800, and for this purpose, the terminal device has at least one encryption key corresponding to the encryption method, or has a predetermined public certificate including at least one encryption key, Or if the official certificate is provided on a predetermined IC chip (or IC card), It is equipped with a card reader for identifying the certificate provided in the IC chip (or IC card) is preferred.

Those of ordinary skill in the art to the present invention, the technical characteristics of the various encryption schemes for encrypting the mortgage application information, and the technical characteristics of attaching a predetermined electronic signature to the mortgage application information. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 8, when the mortgage loan application information received from the terminal device is received through the information receiving unit 815, the financial institution server 800 collaterals in which the received mortgage loan application information is associated with the insurance. Characterized in that it comprises a validity check unit 820 to check whether the validity for the loan is satisfied.

According to an embodiment of the present invention, the security loan application information is at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, etc.). Is encrypted, the validity confirmation unit 820 is at least one decryption method (for example, symmetric key-based decryption, public key-based decryption, or electronic) for the encrypted security loan application information corresponding to the encryption method Envelope-based decryption method, or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received security loan application information.

Alternatively, when a predetermined electronic signature is attached to the security loan application information, the validity checker 820 checks the electronic signature attached to the security loan application information, thereby validating the received security loan application information. It is desirable to authenticate.

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

When the security loan application information received through the information receiving unit 815 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the security loan application information, the validity confirmation unit 820 ) Compares and authenticates the password included in the collateral loan application information with a password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received collateral loan application information.

Alternatively, when the security loan application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the security loan application information, the validity confirmation unit 820 may determine the validity of the security loan application information. It is preferable to authenticate the validity of the received security loan application information by comparing and authenticating the received security card information included in the security loan application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the security loan application information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the security loan application information, the validity checking unit 820 is the security collateral. By comparing and authenticating the received OTP code included in the loan application information and the OTP code generated based on predetermined OTP generation information provided to correspond to the customer on the DBMS, the validity of the received security loan application information is verified. It is desirable to authenticate.

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

For example, the verification of the validity of the security loan application information is based on the financial system in which the customer information (customer personal information, member information, etc.) of the information included in the security loan application information is linked to the security loan opening system. It is preferable to include a check that matches the customer ledger stored in the D / B.

Referring to FIG. 8, the financial institution server 800 may include a security value verification unit 825 for confirming a collateral value of a collateral that the security loan application customer presents as collateral for the security loan, and the security loan application customer. An information calculating unit 830 for calculating the mortgage ratio and the debt repayment ratio of the customer based on the income proof information included in the collateral loan application information and the confirmed collateral value information, and the insurance included in the collateral loan application information. It is characterized in that it comprises an insurance processing unit 835 for processing the insurance for the additional loan amount based on the subscription application information, customer collateral loan application amount information, collateral value information and the like.

The security value confirmation unit 825 is characterized in that the security value for the collateral proposed by the security loan application customer for the security loan, characterized in that, in particular in connection with the predetermined security evaluation server connected through the communication network It is advisable to check the collateral value for the collateral presented by the customer.

For example, the collateral value checking unit 825 provides collateral information (eg, registered rights information, etc.) included in the collateral loan application information of the customer to the collateral evaluation server, and corresponds to the collateral information from the collateral evaluation server. Characterized in that to receive the collateral value information.

The information calculating unit 830 calculates the mortgage loan rate and the debt repayment rate of the customer based on the income proof information and the confirmed collateral value information included in the mortgage loan application information of the security loan application customer. do.

According to the implementation method of the present invention, the information calculating unit 830 is collateral value information for the collateral of the security loan application customer confirmed through the security value verification unit 825 and the collateral loan amount information requested by the customer And it is preferable to calculate the mortgage loan ratio (LTV) of the security loan application customer using the small lease deposit information.

In addition, according to an embodiment of the present invention, the information calculating unit 830, if the income proof information included in the security loan application information is statement income or evidence income, regardless of the calculated LTV (DTI) debt repayment rate Is preferably calculated.

The insurance processing unit 835 is characterized by processing the insurance for the additional loan amount on the basis of the insurance subscription application information, customer security loan application amount information, collateral value information, etc. included in the security loan application information.

According to the method of the present invention, the insurance processing unit 835, when the mortgage loan application customer to apply for a loan to exceed the standard LTV of the mortgage loan customer calculated by the information calculating unit 830, If the loan amount is 44% to 60% of the LTV, the amount corresponding to the small lease deposit is calculated as the insurance amount. If the loan amount is 60% to 80% of the LTV, the additional loan amount (eg, the LTV is 80%) In this case, it is advisable to calculate the amount of insurance coverage as the sum of the collateral value of 20% of the collateral value) and the small lease deposit.

In addition, according to the implementation method of the present invention, the insurance processing unit 835 is connected to the insurance company server through the communication network based on the insurance subscription application information included in the security loan application information and the calculated insurance coverage information information the customer It is characterized in that the treatment of insurance.

Referring to FIG. 8, the financial institution server 800 is authenticated for validity of the security loan application information through the validity verification unit 820, and insurance for the mortgage loan of the customer through the insurance processing unit 835. When the subscription is processed, the electronic document generation unit 840 for generating a predetermined mortgage account electronic document including the received mortgage loan application information, and the generated mortgage account electronic document with the mortgage account opening system; It is characterized in that it comprises an electronic document transmission unit 845 for transmitting to the associated electronic document storage.

The electronic document generating unit 840 is characterized in that for generating the security loan electronic document containing the security loan application information received from the terminal device through the information receiving unit 815.

According to one embodiment of the invention, the electronic document generation unit 840 is loan application amount information, income proof information, security information, insurance subscription application included in the security loan application information received through the information receiving unit 815 The information on the collateral value of the customer's collateral confirmed through the information and the collateral value checking unit 825, the customer LTV and DTI information calculated through the information calculating unit 830, and the insurance processing unit 835. Create document content including at least one insurance processing information of a customer, and include a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) including the document content. A word processing file including at least one or more, or a web document file including an MHT, etc.) as a collateral loan electronic document for collateral loans linked to the insurance. desirable.

Alternatively, the electronic document generation unit 840 includes at least one loan application amount information, income proof information, security information, insurance subscription application information included in the security loan application information received through the information receiving unit 815. The document contents are generated, and at least one or more of the loan application amount information, the income proof information, the security information, and the insurance application information included in the security loan application information and the security value verification unit 825. Watermarking the security value information on the confirmed collateral of the customer, customer LTV and DTI information calculated through the information calculating unit 830, and insurance insurance processing information of the customer through the insurance processing unit 835 A document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) containing document content including the watermarking, and To handle such HWP / DOC to the mortgage account electronic documents for the mortgage the Web document files, etc.) that includes a word processor file or MHT, including at least one that is associated with the insurance is desirable.

Alternatively, the electronic document generation unit 840 is the loan application amount information, income proof information, security information, insurance subscription application information and the security value verification unit included in the security loan application information received through the information receiving unit 815 Collateral value information about the collateral of the customer confirmed through 825, customer LTV and DTI information calculated through the information calculating unit 830, and insurance subscription processing information of the customer through the insurance processing unit 835; A collateral associated with the insurance for generating an image content including at least one document content and an image file including image content captured from the document content (eg, image content generated by capturing the document content on a memory); It is preferable to process the secured loan electronic document for the loan.

Alternatively, the electronic document generation unit 840 includes at least one loan application amount information, income proof information, security information, insurance subscription application information included in the security loan application information received through the information receiving unit 815. Loan application amount information and income proof information included in the security loan application information in the image content generated by the document content, the image content captured by capturing the document content (for example, the image content generated by capturing the document content on a memory) At least one or more information among the collateral information and the insurance application information, the collateral value information about the collateral of the customer confirmed through the collateral value checking unit 825, the customer LTV calculated through the information calculating unit 830, and After including the DTI information, the insurance subscription processing information of the customer through the insurance processing unit 835 in a watermarking manner, the watermarking includes It is preferable to process an image file including unknown content as a secured loan account electronic document for secured loans associated with the insurance.

According to another embodiment of the present invention, the electronic document generation unit 840 is loan application amount information, income proof information, security information, insurance subscription included in the security loan application information received through the information receiving unit 815 A predetermined document file (eg, an image content generated by generating document content including at least one or more pieces of application information) and including image content (eg, image content generated by capturing the document content on a memory). , 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 desirable to treat the loan as an electronic document for a linked mortgage.

Alternatively, the electronic document generator 840 includes at least one loan application amount information, income proof information, security information, insurance application information included in the security loan application information received through the information receiver 815. Loan request amount information and income proof information included in the collateral loan application information in the image content generated by the document content, and the image content captured by capturing the document content (eg, the image content generated by capturing the document content on a memory). At least one or more information among the collateral information and the insurance application information, the collateral value information about the collateral of the customer confirmed through the collateral value checking unit 825, the customer LTV calculated through the information calculating unit 830, and Generating image content including DTI information and insurance insurance processing information of the customer through the insurance processor 835 in a watermarking manner, A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing image content including watermarking, or MHT. By generating a web document file, etc.), it is preferable to process as a collateral loan account electronic document for collateral loans associated with the insurance.

According to another embodiment of the present invention, the electronic document generation unit 840 is loan application amount information, income proof information, security information, insurance included in the security loan application information received through the information receiving unit 815 The security value information for the collateral of the customer confirmed through the subscription application information and the security value verification unit 825, the customer LTV and DTI information calculated through the information calculation unit 830, and the insurance processing unit 835. Generating document contents including at least one insurance insurance processing information of the customer, and image contents (eg, image contents generated by capturing the document contents on a memory) and the captured document contents; At least one predetermined document file (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing collateral loan application information By generating a word processor file, or a web document file containing the MHT, etc.), it is preferable to process the secured loan electronic document for the security loan associated with the insurance.

Alternatively, the electronic document generation unit 840 includes at least one loan application amount information, income proof information, security information, insurance subscription application information included in the security loan application information received through the information receiving unit 815. Loan request amount information and income proof information included in the collateral loan application information in the image content generated by the document content, and the image content captured by capturing the document content (eg, the image content generated by capturing the document content on a memory). Generating image content including at least one or more information among the security information and insurance application information by a watermarking method, the image content including the watermarking, the security loan application information and the security value checking unit ( Security value information on the collateral of the customer confirmed through 825, customer LTV and DTI information calculated through the information calculating unit 830 At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing insurance insurance processing information of the customer through the insurance processing unit 835. By generating a word processor file, or a web document file containing the MHT, etc.), it is preferable to process the secured loan account electronic document for collateral loans associated with the insurance.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 840 is a technical feature of generating a collateral loan account electronic document in the form of an image file or a predetermined document file, and the collateral loan account Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 845 transmits and stores the secured loan account electronic document generated by the electronic document generation unit 840 to a predetermined electronic document repository associated with the secured loan account opening system. do.

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 870 and an electronic document D / B associated with the financial institution server 800 on the secured loan opening system through a predetermined communication means. When provided to the outside, the electronic document transmission unit 845 transmits the secured loan account electronic document generated by the electronic document generation unit 840 to the electronic document server 870 through the communication means. It is characterized by.

Here, when the electronic document server 870 and the electronic document D / B is provided outside the secured loan account opening system, the electronic document server 870 and the electronic document D / B is managed by an authorized institution It is desirable to.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the secured loan account opening system, the electronic document transmission unit 845 is generated by the electronic document generation unit 840. The secured loan account electronic document can be stored in an electronic document D / B corresponding to an electronic document repository on a DBMS provided in the secured loan account opening system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 845 inputs electronic document related information (eg, the security loan application information) for generating predetermined electronic document management information in the electronic document server 870 ( Selectable) and the information on the financial institution that transmits the electronic loan document, or the electronic document file format information, or the security loan application information). The present invention is not limited thereto.

Referring to FIG. 8, the financial institution server 800 may verify the validity of the security loan application information received through the information receiver 815 through the validity checker 820 for the security loan associated with the insurance. The collateral value information of the collateral of the customer is confirmed through the collateral value checking unit 825, the customer LTV and DTI information is calculated through the information calculating unit 830, and the insurance processing unit 835. When the insurance insurance processing of the customer is performed, the loan application amount information, income proof information, collateral information, insurance subscription information and the collateral value information, LTV and DTI information, An information generation unit 850 for generating the financial account information based on insurance subscription processing information, and an account opening unit 855 for opening and processing a financial account of the customer's name including the financial account information; Characterized in that formed by having.

The validity of the collateral loan application information is confirmed by the validity checking unit 820, the collateral value information of the collateral of the customer is confirmed through the collateral value checking unit 825, and the information calculating unit 830. If the customer LTV and DTI information is calculated, and the insurance subscription processing of the customer through the insurance processing unit 835 is performed, the information generation unit 850 is the loan application amount information included in the security loan application information The financial account information may be generated based on income proof information, collateral information, insurance subscription information, the collateral value information, LTV and DTI information, and insurance subscription processing information.

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the security loan account opened based on the security loan application information, and further comprises the subscription period and insurance information. desirable.

The account establishment unit 855 generates a customer ledger including customer information included in the financial account opening application information in association with the financial system (or checks the customer ledger that is matched with the customer information and is provided), After generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, collateral associated with the insurance in response to the collateral loan application information It is characterized by opening a predetermined financial account for the loan process.

According to an embodiment of the present invention, when the financial institution server 800 and the financial system exist in the same system, the account opening unit 855 may link the financial account information to the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the financial institution server 800 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 855 uses the predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

Referring to FIG. 8, the financial institution server 800 may verify the validity of the security loan application information received through the information receiver 815 through the validity checker 820 for the security loan associated with the insurance. ,

The collateral value information of the collateral of the customer is confirmed through the collateral value checking unit 825, the customer LTV and DTI information is calculated through the information calculating unit 830, and the insurance processing unit 835 uses the insurance value. After the insurance insurance processing of the customer is carried out, if the secured loan account is opened through the account opening unit 855, the customer information, loan application amount information, income proof information included in the secured loan application information is validated Information storing the customer information, the security loan application information, the insurance information and the security value information, the LTV and DTI information, and the insurance processing information on a predetermined storage medium, including at least one of security information and insurance application information. It is characterized by comprising a portion 865.

The validity of the collateral loan application information is confirmed by the validity checking unit 820, the collateral value information of the collateral of the customer is confirmed through the collateral value checking unit 825, and the information calculating unit 830. After the customer LTV and DTI information is calculated, the insurance processing of the customer through the insurance processing unit 835 is performed, and when the security loan account is opened through the account opening unit 855, the information is stored. Part 865 is at least one of the customer information and loan application amount information, income proof information, security information, insurance application information included in the security loan application information, security loan application information, insurance subscription information And storing the collateral value information, LTV and DTI information, and insurance processing information on the storage medium.

According to an embodiment of the present invention, when the storage medium is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 865 is the received collateral. Customer information including at least one or more of the customer information, loan application amount information, income proof information, collateral information, insurance application information included in the loan application information, collateral loan application information, insurance subscription information and the security value information, LTV And storing the DTI information and insurance processing information in the storage medium.

According to another embodiment of the present invention, when the storage medium is provided in the DBMS provided on the financial system, the information storage unit 865 is the customer information and loan application amount included in the received security loan application information Customer information including at least one information, income proof information, collateral information, insurance application information, collateral loan application information, insurance subscription information, the security value information, LTV and DTI information, insurance subscription processing information on the financial system; It is preferable to provide the information system through the external system and store it in the DBMS provided on the financial system.

Referring to FIG. 8, an electronic document server 870 that receives a predetermined mortgage account electronic document from the financial institution server 800 provided on the mortgage account opening system and stores and manages the electronic document D / B in a predetermined electronic document D / B. ), An electronic document receiver 875 for receiving a predetermined mortgage account electronic document from the financial institution server 800 through a predetermined communication means, and the received mortgage account electronic document to the electronic document D / B. An information generation unit 880 for generating predetermined electronic document management information for storing and managing, and an electronic document for storing the electronic document management information and the secured loan account electronic document in a predetermined electronic document D / B. A storage unit 885 is provided.

The electronic document receiving unit 875 is characterized in that for receiving the security loan electronic document in the form of an image file or a document file from the financial institution server 800 through the communication means.

According to an embodiment of the present invention, the secured loan electronic document received by the electronic document receiving unit 875 through the communication means is included in the secured loan application information received by the financial institution server 800 from the terminal device. Loan application amount information, income proof information, collateral information, insurance subscription information and the collateral value information for the customer's collateral confirmed through the security value verification unit 825, calculated through the information calculation unit 830 A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including document content including at least one or more customer LTV and DTI information and insurance insurance processing information of the customer through the insurance processing unit 835. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). .

Alternatively, the mortgage loan electronic document received by the electronic document receiving unit 875 through the communication means may include loan application amount information and income proof included in the mortgage loan application information received by the financial institution server 800 from the terminal device. At least one or more of loan application amount information, income proof information, collateral information, insurance application information, and the collateral in document contents including at least one of information, collateral information, and insurance application information. Mortgage value information of the collateral of the customer confirmed through the value check unit 825, customer LTV and DTI information calculated through the information calculation unit 830, the insurance of the customer through the insurance processing unit 835 After the processing information is included in a watermarking method, a document file including document content including the watermarking (for example, PDF (Portable Document Format)). It comprises a day, or (Electronic Data Interchange) EDI file, or web document file containing a word processor comprising at least one of HWP / DOC, such as files, or the like MHT) is preferred.

Alternatively, the mortgage loan electronic document received by the electronic document receiving unit 875 through the communication means may include loan application amount information and income proof included in the mortgage loan application information received by the financial institution server 800 from the terminal device. Information, collateral information, insurance application information and the collateral value information for the collateral of the customer confirmed through the security value verification unit 825, customer LTV and DTI information calculated through the information calculation unit 830, the Image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more insurance subscription processing information of the customer through the insurance processor 835. It is preferable to include an image file.

Alternatively, the mortgage loan electronic document received by the electronic document receiving unit 875 through the communication means may include loan application amount information and income proof included in the mortgage loan application information received by the financial institution server 800 from the terminal device. Image content (e.g., image content generated by capturing the document content on a memory) captured in document content including at least one of information, collateral information, and insurance application information included in the collateral loan application information. At least one or more information of loan application amount information, income proof information, collateral information, insurance application information, collateral value information about the collateral of the customer confirmed through the collateral value verification unit 825, and the information calculating unit 830 Watermarking method of the customer LTV and DTI information calculated through the), the insurance subscription processing information of the customer through the insurance processing unit 835 After the inclusion, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the mortgage account electronic document received by the electronic document receiving unit 875 through the communication means is included in the collateral loan application information received by the financial institution server 800 from the terminal device. Loan application amount information, income proof information, collateral information, insurance subscription information and the collateral value information for the security of the customer confirmed through the security value verification unit 825, calculated through the information calculation unit 830 Image content (eg, generated by capturing the document content on a memory) which captures document content including at least one customer LTV and DTI information and at least one insurance subscription processing information of the customer through the insurance processor 835. Write down a predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) containing an image content At least one word processor file, or a web document file including the MHT).

Alternatively, the mortgage loan electronic document received by the electronic document receiving unit 875 through the communication means may include loan application amount information and income proof included in the mortgage loan application information received by the financial institution server 800 from the terminal device. Image content (e.g., image content generated by capturing the document content on a memory) captured in document content including at least one of information, collateral information, and insurance application information included in the collateral loan application information. At least one or more information of loan application amount information, income proof information, collateral information, insurance application information, collateral value information about the collateral of the customer confirmed through the collateral value verification unit 825, and the information calculating unit 830 Watermarking method of the customer LTV and DTI information calculated through the), the insurance subscription processing information of the customer through the insurance processing unit 835 At least one document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) including an image content including the watermarking; Or a web document file including the MHT).

According to another embodiment of the present invention, the mortgage loan electronic document received by the electronic document receiving unit 875 through the communication means is based on the security loan application information received by the financial institution server 800 from the terminal device. Image content capturing document content including at least one loan application amount information, income proof information, collateral information, and insurance application information (for example, image content generated by capturing the document content on a memory). And collateral value information for the collateral of the customer confirmed through the collateral loan application information and the collateral value verification unit 825, the customer LTV and DTI information calculated through the information calculating unit 830, the insurance processing unit ( A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data Interchan) containing the insurance insurance processing information of the customer through 835). ge) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the mortgage loan electronic document received by the electronic document receiving unit 875 through the communication means may include loan application amount information and income proof included in the mortgage loan application information received by the financial institution server 800 from the terminal device. Image content (eg, image content generated by capturing the document content on a memory) captured by document content including at least one of information, collateral information, and insurance application information included in the collateral loan application information. At least one or more information of loan application amount information, income proof information, collateral information, insurance application information, collateral value information about the collateral of the customer confirmed through the collateral value verification unit 825, and the information calculating unit 830 Watermarking room to the customer LTV and DTI information calculated through the), the insurance subscription processing information of the customer through the insurance processing unit 835 A document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP) including image content including the watermarking and the collateral loan application information; A word processor file including at least one of / DOC or the like, or a web document file including an MHT).

The information generating unit 880 is a predetermined electronic document unique number (or unique information) to be assigned to the secured loan account electronic document received through the electronic document receiving unit 875, and through the electronic document receiving unit 875 And generating electronic document management information including electronic document storage date and time information including a date and time at which the secured loan account electronic document was received (or a date and time at which the secured loan account electronic document was stored).

According to an exemplary embodiment of the present invention, the information generating unit 880 refers to the mortgage account electronic by referring to the financial institution server 800 that transmitted the mortgage account electronic document received through the electronic document receiving unit 875. It is preferable to identify the financial institution that has sent the 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 financial institution server 800 through the electronic document receiving unit 875, the information generating unit 880 receives the received electronic document. Document-related information (e.g., customer information transmitted by inputting (selecting) the security loan application information, financial institution information transmitting the security loan account electronic document, electronic document file format information, or the security loan application information, etc.) It is preferable to generate the electronic document management information further comprising a).

The electronic document storage unit 885 associates a secured loan electronic document received through the electronic document receiving unit 875 with electronic document management information generated through the information generating unit 880 to process a predetermined electronic document D. It stores in / B.

According to an embodiment of the present invention, the mortgage loan electronic document stored in the electronic document D / B by the electronic document storage unit 885 may be secured loan application information received by the financial institution server 800 from the terminal device. Loan application amount information, income proof information, collateral information, insurance application information and the collateral value information for the security of the customer identified through the security value verification unit 825, the information calculation unit 830 A document file (eg, a Portable Document Format (PDF) file, or EDI) including document content including at least one of customer LTV and DTI information calculated through the insurance processing information of the customer through the insurance processing unit 835 (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 secured loan account electronic document stored in the electronic document D / B by the electronic document storage unit 885 may include loan application amount information included in the secured loan application information received by the financial institution server 800 from the terminal device. Information on at least one of loan application amount information, income proof information, collateral information, and insurance application information in document content including at least one of income proof information, security information, and insurance application information; And collateral value information about the collateral of the customer identified through the collateral value checking unit 825, customer LTV and DTI information calculated through the information calculating unit 830, and the customer through the insurance processing unit 835. A document file (for example, a PDF (Portable Document Format) file containing document contents including the watermarking) after the insurance insurance processing information is included in a watermarking method. It comprises a, or EDI (Electronic Data Interchange) file, or HWP / DOC, etc. Web document file, and so on) that include the word-processor file, or MHT comprising at least one are preferred.

Alternatively, the secured loan account electronic document stored in the electronic document D / B by the electronic document storage unit 885 may include loan application amount information included in the secured loan application information received by the financial institution server 800 from the terminal device. Income proof information, collateral information, insurance subscription information and the collateral value information for the collateral of the customer confirmed through the security value verification unit 825, the customer LTV and DTI calculated through the information calculation unit 830 Image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of information and insurance insurance processing information of the customer through the insurance processor 835. It is preferable to include an image file to include.

Alternatively, the secured loan account electronic document stored in the electronic document D / B by the electronic document storage unit 885 may include loan application amount information included in the secured loan application information received by the financial institution server 800 from the terminal device. The mortgage application information into image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of income proof information, collateral information, and insurance application information; Loan application amount information, income proof information, security information, insurance application information included in the at least one of the security value information for the security of the customer identified through the security value verification unit 825, the information calculation The customer LTV and DTI information calculated through the unit 830 and the insurance subscription processing information of the customer through the insurance processing unit 835 are watermarked. After including, it is preferable to include an image file including the image content including the watermarking.

According to another embodiment of the present invention, the mortgage account electronic document stored in the electronic document D / B by the electronic document storage unit 885 is a security loan application received by the financial institution server 800 from the terminal device. Loan application amount information, income proof information, collateral information, insurance application information and the collateral value information for the security of the customer identified through the security value verification unit 825, the information calculation unit 830 included in the information Image content (eg, the document content) captured by the document content including at least one or more customer LTV and DTI information, and insurance insurance processing information of the customer through the insurance processing unit 835 calculated through Write down a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including captured image content It comprises a web page file, and so on) that include the word-processor file, or MHT containing one or more are preferred.

Alternatively, the secured loan account electronic document stored in the electronic document D / B by the electronic document storage unit 885 may include loan application amount information included in the secured loan application information received by the financial institution server 800 from the terminal device. The secured home office to image content (eg, image content generated by capturing the document content on a memory) including document content including at least one of income proof information, security information, and insurance application information; Loan application amount information, income proof information, collateral information, insurance application information included in the information and the collateral value information for the collateral of the customer identified through the security value verification unit 825, the information Watermarking method of the customer LTV and DTI information calculated by the calculating unit 830, the insurance subscription processing information of the customer through the insurance processing unit 835 At least one document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) including an image content including the watermarking Or a web document file including the MHT).

According to another embodiment of the present invention, the mortgage account electronic document stored in the electronic document D / B by the electronic document storage unit 885 is a security loan received by the financial institution server 800 from the terminal device. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one loan application amount information, income proof information, collateral information, and insurance application information included in the application information. Image content), the collateral loan application information and the collateral value information of the collateral of the customer confirmed through the collateral value verification unit 825, the customer LTV and DTI information calculated through the information calculating unit 830, the A predetermined document file (for example, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) file) containing insurance information of the customer through the insurance processor 835. File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the secured loan account electronic document stored in the electronic document D / B by the electronic document storage unit 885 may include loan application amount information included in the secured loan application information received by the financial institution server 800 from the terminal device. The mortgage application information into image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of income proof information, collateral information, and insurance application information; Loan application amount information, income proof information, security information, insurance application information included in the at least one of the security value information for the security of the customer identified through the security value verification unit 825, the information calculation The customer LTV and DTI information calculated through the unit 830 and the insurance subscription processing information of the customer through the insurance processing unit 835 are watermarked. A document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP) containing the image content including the watermarking and the collateral loan application information. A word processor file including at least one of / DOC or the like, or a web document file including an MHT).

According to an embodiment of the present invention, the electronic document management information that the electronic document storage unit 885 processes in association with the secured loan account electronic document and stores in the electronic document D / B is assigned to the secured loan account electronic document. It is preferable to include a predetermined electronic document unique number (or unique information) 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 by the electronic document storage unit 885 in association with the secured loan account electronic document is stored in the secured loan electronic document. It is preferable that the financial institution server 800 further includes information on the financial institution that has transmitted the secured loan account electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the financial institution server 800, the electronic document storage unit 885 processes the electronic loan document in association with the secured loan account electronic document. Electronic document management information stored in the document D / B, the customer information transmitted by inputting (selected) the information related to the electronic document (for example, the loan application information, or the financial information for transmitting the security loan electronic document) Institution information, electronic document file format information, or the security loan application information).

9A and 9B illustrate a process of opening a security loan account for a security loan linked to insurance in a non-face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, FIGS. 9A and 9B illustrate a web server function in which a terminal device on the secured loan account opening system shown in FIG. 8 is a client terminal, and the financial institution server 800 is accessible to a client terminal through a predetermined network means. In the case of having a customer, at least one loan application amount information, income proof information, security information, insurance application information through the client terminal in order to open a security loan account for a security loan associated with a certain customer When providing the security loan application information including the above, the insurance based on the security loan application information including at least one loan application amount information, income proof information, collateral information, insurance subscription application information in the security loan account opening system For a method of opening and processing the mortgage account for a mortgage in connection with As one of ordinary skill in the art to which the present invention pertains, various implementation methods for registering the mortgage application information from the client terminal to the financial company server 800 by referring to or modifying the drawings 9a and 9b. It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 9a and 9b.

For example, although the embodiment shown in FIGS. 9A and 9B includes a process of generating a predetermined electronic document corresponding to the secured loan application information and storing the electronic document in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

9A and 9B, the client terminal receives a user interface for inputting (or selecting) the security loan application information through a predetermined web page provided by the financial institution server 800. Although illustrated as being illustrated, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 800, and the present invention is not limited thereto.

Hereinafter, in FIGS. 9A and 9B, the client terminal illustrated in FIG. 8 is referred to as a “terminal” for convenience, and the financial institution server 800 illustrated in FIG. 8 is referred to as a “server” for convenience. The loan application amount information, income proof information, collateral information, insurance application information sent to the financial institution server 800 is referred to as "collateral loan application information" for convenience.

9A and 9B, when the client terminal illustrated in FIG. 8 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Access the server through a CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.16x-based portable Internet, or an IEEE 802.11x-based wireless LAN) to connect a predetermined communication channel and secure a mortgage loan associated with the insurance. When requesting a web page including a user interface (900), the server correspondingly inputs the security loan application information including at least one or more of the loan application amount information, income proof information, collateral information, insurance subscription application information (Or select) generate (or extract) a web page including a user interface for sending to the server (905), and network And outputs to send the web page to a user interface the generated (or extracted) from the means to the mobile station (w10).

According to an embodiment of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the procedure of registering the security loan application information, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) secured loan application information including at least one loan application amount information, income proof information, collateral information, and insurance application information through a user interface included in the web page (915). .

If the terminal receives (or selects) collateral loan application information including the loan application amount information, income proof information, collateral information, and insurance application information through the user interface (920), the terminal transmits the communication channel. Through the input (or selected) loan application amount information, income proof information, collateral information, insurance subscription application information is transmitted to the server (925).

According to an embodiment of the present invention, the terminal may include at least one of the loan application information, the income proof information, the security information, and the insurance application information including at least one of the security loan application information. Preferably, at least one or more of a predetermined password or security card information or a OTP code generated through a predetermined one time password (OTP) generator for checking the validity is transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, based on a symmetric key) for collateral loan application information including at least one of the loan application amount information, income proof information, security information, and insurance application information. An encryption method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method), or by attaching a predetermined electronic signature to the secured loan application information, the server through the network means. Preferably, the terminal has at least one or more encryption keys corresponding to the encryption scheme, or a predetermined public certificate including at least one or more encryption keys, or the public certificate has a predetermined certificate. The IC chip (or IC card) It is equipped with a card reader for identifying the provided certificate is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, based on a symmetric key) for collateral loan application information including at least one of the loan application amount information, income proof information, collateral information, and insurance application information. An encryption method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method) and transmits the encrypted data to the server through the network means. The IC is provided with at least one encryption key corresponding to, or with a predetermined certificate including at least one encryption key, or when the certificate is provided on a predetermined IC chip (or IC card). With card reader for verifying the certificate of authenticity provided on chip (or IC card) It is preferred.

Those of ordinary skill in the art to the present invention, the technical characteristics of the various encryption schemes for encrypting the mortgage application information, and the technical characteristics of attaching a predetermined electronic signature to the mortgage application information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the loan application amount information, income proof information, collateral information, and insurance subscription application information through the communication channel to check the validity of the collateral loan application information (930).

According to an embodiment of the present invention, the security loan application information is at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, etc.). Is encrypted with the at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Or key exchange-based decryption scheme) to authenticate the validity of the received security loan application information.

Alternatively, when a predetermined electronic signature is attached to the security loan application information, the server may verify the validity of the received security loan application information by checking the electronic signature attached to the security loan application information. .

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

According to an embodiment of the present invention, when the received security loan application information further includes a predetermined password for checking the validity of the security loan application information, the server is included in the security loan application information and received. By comparing and authenticating a password and a password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received collateral loan application information.

Alternatively, when the received security loan application information further includes predetermined security card information for confirming the validity of the security loan application information, the server includes the received security card information included in the security loan application information. And by comparing and authenticating the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received security loan application information.

Alternatively, when the received mortgage loan application information further includes a predetermined OTP code for checking the validity of the mortgage loan application information, the server may include the received OTP code and the received OTP code in the mortgage loan application information. It is preferable to authenticate the validity of the received collateral loan application information by comparing and authenticating the OTP codes generated based on the predetermined OTP generation information provided corresponding to the customer on the DBMS.

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

For example, the verification of the validity of the security loan application information is based on the financial system in which the customer information (customer personal information, member information, etc.) of the information included in the security loan application information is linked to the security loan opening system. It is preferable to include a check that matches the customer ledger stored in the D / B.

If the validity of the security loan application information is not authenticated (935), the server generates a web page including predetermined financial account error information and transmits it to the terminal (940), and the procedure of opening the security loan account Do not perform.

On the other hand, if the validity of the security loan application information is authenticated (935), the server checks the security value for the collateral presented by the customer for the security loan as collateral (945).

According to an embodiment of the present invention, the server is characterized in that the collateral loan customer confirms the collateral value for the collateral presented as collateral for the collateral loan, in particular interlocked with a predetermined collateral evaluation server connected through a communication network It is preferable to check the collateral value for the collateral presented by the customer.

For example, the server provides collateral information (eg, registered rights information, etc.) included in the collateral loan application information of the customer to the collateral evaluation server, and receives collateral value information corresponding to the collateral information from the collateral evaluation server. Characterized in that.

When the collateral value is confirmed, the server calculates the collateral loan ratio and the debt repayment ratio of the customer based on the income proof information included in the collateral loan application information of the collateral loan application customer and the confirmed collateral value information ( 950).

According to an embodiment of the present invention, the server may calculate the mortgage loan rate and the debt repayment rate of the customer based on the income proof information and the confirmed collateral value information included in the mortgage loan application information of the mortgage loan request customer. Can be.

According to an embodiment of the present invention, the server uses the security value information on the security of the security loan application customer, the security loan amount information and the small loan security information requested by the customer, etc. It is desirable to calculate the mortgage loan ratio (LTV).

In addition, according to an embodiment of the present invention, if the income proof information included in the security loan application information is statement income or evidence income, it is to calculate the debt repayment ratio (DTI) regardless of the calculated LTV. desirable.

Thereafter, the server processes insurance subscription for the additional loan amount based on insurance application information, customer security loan application amount information, and collateral value information included in the security loan application information (955).

According to the implementation method of the present invention, the server is to process the insurance subscription for the additional loan amount based on the insurance subscription application information, customer security loan application amount information, collateral value information, etc. included in the security loan application information. desirable.

According to the implementation method of the present invention, when the loan loan customer is applying for a loan to exceed the standard LTV of the calculated mortgage loan customer, if the loan amount is 44% to 60% of the LTV, The amount equivalent to the small lease deposit is calculated as the insurance amount, and if the loan amount is 60% to 80% of the LTV, the additional loan amount (for example, 20% of the collateral value if the LTV is 80%) It is desirable to calculate the amount equivalent to the sum of the small lease deposit) and the insurance amount.

In addition, according to an embodiment of the present invention, the server is connected to an insurance company server through a communication network based on the insurance subscription application information included in the security loan application information and the calculated insurance subscription amount information based on the insurance subscription of the customer Characterized in that the processing.

Subsequently, when the validity of the security loan application information is authenticated and insurance coverage for the security loan of the customer is processed, the server includes at least one loan application amount information, income proof information, including the security loan application information, In operation 960, predetermined document contents including collateral information, insurance application information, collateral value information, and insurance processing information are generated, and a predetermined collateral loan account electronic document including the document contents is generated (965).

According to one embodiment of the present invention, the server provides the loan application amount information, income proof information, collateral information, insurance subscription information included in the received collateral loan application information, and the collateral value of the confirmed collateral of the customer. A document content including at least one of information, the calculated customer LTV and DTI information, insurance insurance processing information of the customer, and a document file (eg, a Portable Document Format (PDF) file) including the document content, or EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, web document file including MHT), etc.) as a collateral loan electronic document for collateral loans linked to the insurance. It is desirable to.

Alternatively, the server generates document content including at least one loan application amount information, income proof information, security information, insurance subscription application information included in the received security loan application information, and the mortgage loan to the document content. At least one or more of loan application amount information, income proof information, security information, insurance application information included in the application information, collateral value information of the confirmed security of the customer, the calculated customer LTV and DTI information, the After including the insurance processing information of the customer in a watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) file, Or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process a mortgage account electronic documents for the mortgage loan.

Alternatively, the server may include loan application amount information, income proof information, security information, insurance application information, and collateral value information about the confirmed customer's collateral, included in the received security loan application information, and the calculated customer LTV. And image content including at least one of DTI information and insurance insurance processing information of the customer, and image content (eg, image content generated by capturing the document content on a memory). It is preferable to process the image file including a secured loan account electronic document for a security loan associated with the insurance.

Alternatively, the server may include loan application amount information, income proof information, security information, insurance application information, and collateral value information about the confirmed customer's collateral, included in the received security loan application information, and the calculated customer LTV. And image content including at least one DTI information and insurance insurance processing information of the customer, and image content (eg, image content generated by capturing the document content on a memory). ) At least one or more information of the loan application amount information, income proof information, security information, insurance subscription application information included in the security loan application information in a watermarking (Watermarking) method, the image content including the watermarking Treating the image file containing a secured loan account electronic document for collateral loans associated with the insurance Is recommended.

According to another exemplary embodiment of the present invention, the server may secure the loan application amount information, the income proof information, the security information, the insurance subscription information, and the security of the customer's collateral which is included in the received security loan application information. Image content (eg, the document content is generated) that generates document content including at least one of value information, the calculated customer LTV and DTI information, and insurance insurance processing information of the customer, and captures the document content. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including image content captured and generated on the Or a web document file including an MHT) to a collateral loan account electronic document for collateral loans linked to the insurance. Lee it is preferable to.

Alternatively, the server may include loan application amount information, income proof information, collateral information, insurance application information, and collateral value information about the confirmed collateral of the customer, and the calculated customer LTV included in the received collateral loan application information. And image content including at least one of DTI information and insurance insurance processing information of the customer, and image content (eg, image content generated by capturing the document content on a memory). Generate image content including at least one or more information of loan application amount information, income proof information, collateral information, insurance application information, included in the security loan application information by a watermarking method, and the watermarking Document files containing embedded image content (e.g., Portable Document Format (PDF) files, or Electronic Data Inter) change) file, or a word processing file including at least one of HWP / DOC, or a web document file including MHT), to process the secured loan account electronic document for the secured loan associated with the insurance. It is preferable.

According to another exemplary embodiment of the present invention, the server provides information on loan application amount information, income proof information, collateral information, insurance subscription information and the security of the customer identified in the received collateral loan application information. Generating image content including at least one of collateral value information, the calculated customer LTV and DTI information, and insurance insurance processing information of the customer; and capturing the image content (eg, the document content). 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 the image content captured on a memory and the security loan application information. By generating a word processor file including the above, or a web document file including the MHT). That the mortgage process into account electronic documents is desirable.

Alternatively, the server may include loan application amount information, income proof information, security information, insurance application information, and collateral value information about the confirmed customer's collateral, included in the received security loan application information, and the calculated customer LTV. And image content including at least one of DTI information and insurance insurance processing information of the customer, and image content (eg, image content generated by capturing the document content on a memory). Generate image content including at least one or more information of loan application amount information, income proof information, collateral information, insurance application information, included in the security loan application information by a watermarking method, and the watermarking A document file (eg, a Portable Document Format (PDF) file) containing the included image content and the security loan application information. 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). It is preferable to process the account electronic documents.

Those skilled in the art to which the present invention pertains can include technical features that allow the server to generate a secured loan electronic document in an image file format or a predetermined document file format, and correspond to the secured loan electronic document. Since you will be familiar with the technical features of the file format for image files or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated secured loan account electronic document in a predetermined electronic document storage (970).

As shown in FIG. 8, the electronic document repository is provided externally including a predetermined electronic document server 870 and an electronic document D / B connected to a server on the secured loan account opening system through predetermined communication means. In this case, the server preferably transmits the generated mortgage account electronic document to the electronic document server 870 through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the secured loan account opening system, the server stores the generated collateral loan account electronic document on the DBMS provided in the secured loan account opening system. It is possible to store in an electronic document D / B corresponding to the present invention, thereby not limited to the present invention.

According to an embodiment of the present invention, the storing of the secured loan account electronic document in the electronic document storage is performed by linking the generated secured loan account electronic document with predetermined electronic document management information as illustrated in FIG. 8. It is preferable to include storing in the electronic document D / B.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the secured loan 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 secured loan account electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the secured loan application information), financial institution information transmitting the secured loan account electronic document, or electronic document. File format information, or the security loan application information).

If the secured loan account electronic document is stored in the electronic document repository (975), the server is based on the loan application amount information, income proof information, security information, insurance subscription application information included in the secured loan application information The financial account information is generated (980).

Herein, the financial account information may include an account number and an interest rate information corresponding to the security loan account opened based on the security loan application information, and when the security loan account includes a savings attribute, It is preferable that the subscription period, the payment date and time, and the amount of payment information.

Thereafter, the server is linked to the financial system to include the financial account information based on the loan application amount information, income proof information, collateral information, and insurance application information included in the security loan application information. Open and handle financial accounts (985).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the insurance loan application information. It is characterized by opening a predetermined financial account for collateral loans to be linked.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B on the financial system to generate a predetermined ledger including the financial account information.

Thereafter, the server includes at least one of customer information, loan application amount information, income proof information, collateral information, insurance application information included in the security loan application information, security loan application information, and insurance subscription information. And customer information, mortgage loan application information, insurance subscription information and at least one of the customer information, loan application amount information, income proof information, collateral information, and insurance application information included in the collateral loan application information. Information, LTV and DTI information, insurance processing information is generated and stored in a predetermined storage medium (990).

According to an embodiment of the present invention, when the storage medium is provided in the server or on a network associated with the server, the server includes the customer information and the loan request amount included in the received security loan application information. Customer information including at least one of information, income proof information, collateral information, insurance application information, collateral loan application information, insurance subscription information and the customer information and loan application amount information included in the security loan application information, income Storing customer information including at least one of evidence information, collateral information, insurance application information, collateral loan application information, insurance subscription information, the security value information, LTV and DTI information, and insurance subscription processing information on the storage medium. desirable.

According to another embodiment of the present invention, when the storage medium is provided in the DBMS provided on the financial system, the server includes the customer information, loan application amount information, and income proof information included in the received security loan application information. Customer information, mortgage application information, insurance information and insurance application information included in the at least one or more information, such as insurance information, insurance application information, loan application amount information, income proof information, security information, Providing customer information including at least one insurance application information, collateral loan application information, insurance subscription information, the security value information, LTV and DTI information, and insurance subscription processing information to the information system through the external system in the financial system. It is desirable to store in a DBMS provided on the system.

Thereafter, the server may provide predetermined financial account opening history information (for example, the mortgage account opening history, or a history of storing the mortgage account electronic document in the electronic document repository, or the mortgage loan application information in the storage medium). Stored details) are generated (or extracted) and transmitted to the terminal (995).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the secured loan account opening system (or associated with the secured loan account opening system), wherein the storage The medium may be a ledger D / B provided in the DBMS on the financial system 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 is at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the secured loan opening system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

10A, 10B, and 10C illustrate a process of opening a mortgage account for a mortgage loan associated with insurance according to an embodiment of the present invention.

10A, 10B, and 10C are detailed descriptions of the case in which the secured loan account opening system shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (ie, the secured loan shown in FIG. 8). In the case where the financial institution server 800 on the account opening system 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. After performing, when the client terminal transmits predetermined loan application information to the Internet banking server to open a security loan account for the security loan associated with the insurance, the loan application amount information in the Internet banking server, Based on the mortgage application information including at least one of income proof information, collateral information, and insurance application information. As an embodiment of the present invention, a person having ordinary knowledge in the technical field to which the present invention belongs, will be referred to or modified with reference to the drawings 10a, 10b and 10c. Various implementation methods for registering the mortgage loan application information through other types of non-face-to-face financial transaction channels may be inferred, but the present invention includes all the implementation methods inferred from the figures 10a, 10b and 10c. It is not limited to the implementation method shown by.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 10A, 10B, and 10C, the browser Although a method of connecting an internet banking-based financial transaction channel for registering a security loan application information between the client terminal and the internet banking server based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs, 10A, 10B, and 10C refer to or modify the Internet banking-based financial transaction channel connection method using the browser program based on a predetermined Internet banking program mounted on the client terminal and the Internet banking. Between servers Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of collateral loan application information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, thereby The invention is not limited.

In addition, those skilled in the art to which the present invention pertains to, in addition to the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 10a, 10b and 10c, telebanking The system or other banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registration of collateral loan application information, but the present invention provides the telebanking system or wireless system. It includes all types of non-face-to-face channel-based financial transactions, including banking systems or TV banking systems or future proposed non-face-to-face banking systems, and the technical configuration of the present invention is illustrated in FIGS. It is never limited to banking.

In addition, although the embodiment shown in FIGS. 10A, 10B, and 10C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

In the following FIGS. 10A, 10B, and 10C, the client terminal is referred to as a "terminal" for convenience, and an Internet banking server corresponding to the financial institution server 800 is referred to as a "server" for convenience.

10A, 10B, and 10C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1000a), the server connects the terminal and the server through the browser. The communication channel is connected (1005a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server (or extracted) and transmitted to the terminal, and 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 on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 1010a).

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 or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (1015a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 1020a.

If the terminal does not need to install or update the latest version of the Internet banking security module (1025a), or if the terminal does not need to load or update the Internet banking security module (1015a), the server is mounted on the terminal. By activating the security module for internet banking, the security channel for internet banking is connected between the terminal and the server (or the communication channel between the terminal and the server is converted into a security channel) (1030a), where the security channel for internet banking is Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (or decryption algorithm), and is defined in the information (or data) to be provided to the server for registration of the security loan application information in the terminal. When the digital signature is attached or is encrypted and transmitted by at least one encryption method (or encryption algorithm), the server verifies the electronic signature or a predetermined decryption method (or a corresponding encryption method (or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

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 Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). It means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and a predetermined electronic value in information (or data) to be provided to the server for registration of the security loan application information. Attach a signature or at least one encryption method (and Encrypting the data using an encryption algorithm), and the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

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 (1035a).

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. The data is preferably transmitted through the digital signature or encrypted 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 in response to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (1040a). The server (or the authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1045a).

If the Internet banking customer authentication fails (1050a), the server blocks the Internet banking security channel for the terminal (1055a), 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 (1050a), 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 (1060a), where the Internet banking based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined security loan application information for security loans linked to insurance to the server.

Subsequently, when the terminal requests the web page including the user interface for the security loan associated with the insurance to the server through the internet banking-based financial transaction channel (1000b), the server corresponding to the loan application amount information Generating (or extracting) a web page including a user interface for inputting (or selecting) secured loan application information including at least one of income proof information, collateral information, insurance application information, and transmitting the same to the server; 1005b), the web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel (1010b).

According to an embodiment of the present invention, the web page is a user interface for inputting (or selecting) secured loan application information including at least one of loan application amount information, income proof information, security information, and insurance application information. It is preferable to include, or predetermined password or security card information (for example, security card issued to the customer during the Internet banking application process to verify the validity of the Internet banking customer requesting to register the security loan application information A one-time password generated by an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution, such as a security card information printed on It is preferable to further include a user interface for inputting a).

In addition, the process of transmitting or outputting the web page to the terminal is preferably performed at least one or more times according to the procedure for registering the secured loan application information, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) the security loan application information including at least one of the loan application amount information, income proof information, collateral information, and insurance application information through the financial account opening interface (1015b).

If the terminal receives (or selects) mortgage loan application information including the loan application amount information, income proof information, collateral information, and insurance application information through the user interface (1020b), the terminal performs the financial transaction. The input (or selection) of the collateral loan application information is transmitted to the server through the channel (1025b).

According to an embodiment of the present invention, the terminal is effective on the security loan application information in the server to the security loan application information including at least one or more of the loan application amount information, income proof information, security information, insurance subscription application information. Preferably, at least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator is transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, based on a symmetric key) for collateral loan application information including at least one of the loan application amount information, income proof information, security information, and insurance application information. An encryption method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method), or by attaching a predetermined electronic signature to the secured loan application information, the server through the network means. Preferably, the terminal has at least one or more encryption keys corresponding to the encryption scheme, or a predetermined public certificate including at least one or more encryption keys, or the public certificate has a predetermined certificate. The IC chip (or IC card) It is equipped with a card reader for identifying the provided certificate is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, based on a symmetric key) for collateral loan application information including at least one of the loan application amount information, income proof information, security information, and insurance application information. An encryption method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method) and transmits the encrypted data to the server through the network means. The IC is provided with at least one encryption key corresponding to, or with a predetermined certificate including at least one encryption key, or when the certificate is provided on a predetermined IC chip (or IC card). With card reader for verifying the certificate of authenticity provided on chip (or IC card) It is preferred.

Those of ordinary skill in the art to the present invention, the technical characteristics of the various encryption schemes for encrypting the mortgage application information, and the technical characteristics of attaching a predetermined electronic signature to the mortgage application information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the security loan application information through the financial transaction channel to check the validity of the security loan application information (1030b).

According to an embodiment of the present invention, the security loan application information is at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, etc.). Is encrypted with the at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Or key exchange-based decryption scheme) to authenticate the validity of the received security loan application information.

Alternatively, when a predetermined electronic signature is attached to the security loan application information, the server may verify the validity of the received security loan application information by checking the electronic signature attached to the security loan application information. .

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

According to an embodiment of the present invention, when the received security loan application information further includes a predetermined password for confirming the validity of the security loan application information, the server is included in the security loan application information and received. By comparing and authenticating the password and the password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received security loan application information.

Alternatively, when the received security loan application information further includes predetermined security card information for confirming the validity of the security loan application information, the server includes the received security card information included in the security loan application information. And by comparing and authenticating the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received security loan application information.

Alternatively, when the received mortgage loan application information further includes a predetermined OTP code for checking the validity of the mortgage loan application information, the server may include the received OTP code and the received OTP code in the mortgage loan application information. It is preferable to authenticate the validity of the received collateral loan application information by comparing and authenticating the OTP codes generated based on the predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to the method of the present invention, the validity of the security loan application information is registered at least one or more ledger information matching the security loan application information in the ledger D / B on the financial system associated with the security loan account opening system It is preferable to include checking whether there is.

For example, the verification of the validity of the security loan application information is based on the financial system in which the customer information (customer personal information, member information, etc.) of the information included in the security loan application information is linked to the security loan opening system. It is preferable to include a check that matches the customer ledger stored in the D / B.

If the validity of the security loan application information is not authenticated (1035b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1040b), and the procedure for opening the security loan account is performed. Do not perform.

On the other hand, if the validity of the security loan application information is authenticated (1035b), the server checks the value of the security for the collateral proposed by the customer for the security loan as collateral (1045b).

According to an embodiment of the present invention, the server is characterized in that the collateral loan customer confirms the collateral value for the collateral presented as collateral for the collateral loan, in particular interlocked with a predetermined collateral evaluation server connected through a communication network It is preferable to check the collateral value for the collateral presented by the customer.

For example, the server provides collateral information (eg, registered rights information, etc.) included in the collateral loan application information of the customer to the collateral evaluation server, and receives collateral value information corresponding to the collateral information from the collateral evaluation server. Characterized in that.

When the collateral value is confirmed, the server calculates the collateral loan ratio and the debt repayment ratio of the customer based on the income proof information included in the collateral loan application information of the collateral loan application customer and the confirmed collateral value information ( 1050b).

According to an embodiment of the present invention, the server may calculate the mortgage loan rate and the debt repayment rate of the customer based on the income proof information and the confirmed collateral value information included in the mortgage loan application information of the mortgage loan request customer. Can be.

According to an embodiment of the present invention, the server uses the security value information on the security of the security loan application customer, the security loan amount information and the small loan security information requested by the customer, etc. It is desirable to calculate the mortgage loan ratio (LTV).

In addition, according to an embodiment of the present invention, if the income proof information included in the security loan application information is statement income or evidence income, it is to calculate the debt repayment ratio (DTI) regardless of the calculated LTV. desirable.

Thereafter, the server processes the insurance for the additional loan amount based on the insurance subscription application information, the customer security loan application amount information, the collateral value information, etc. included in the collateral loan application information (1055b).

According to the implementation method of the present invention, the server is to process the insurance subscription for the additional loan amount based on the insurance subscription application information, customer security loan application amount information, collateral value information, etc. included in the security loan application information. desirable.

According to the implementation method of the present invention, when the loan loan customer is applying for a loan to exceed the standard LTV of the calculated mortgage loan customer, if the loan amount is 44% to 60% of the LTV, The amount equivalent to the small lease deposit is calculated as the insurance amount, and if the loan amount is 60% to 80% of the LTV, the additional loan amount (for example, 20% of the collateral value if the LTV is 80%) It is desirable to calculate the amount equivalent to the sum of the small lease deposit) and the insurance amount.

In addition, according to an embodiment of the present invention, the server is connected to an insurance company server through a communication network based on the insurance subscription application information included in the security loan application information and the calculated insurance subscription amount information based on the insurance subscription of the customer Characterized in that the processing.

Subsequently, when the validity of the security loan application information is authenticated and insurance coverage for the security loan of the customer is processed, the server includes at least one loan application amount information, income proof information, including the security loan application information, Generates predetermined document content including collateral information, insurance application information and collateral value information, and insurance processing information (1060b), and generates a predetermined collateral loan account electronic document including the document content (1065c).

According to one embodiment of the present invention, the server provides the loan application amount information, income proof information, collateral information, insurance subscription information included in the received collateral loan application information, and the collateral value of the confirmed collateral of the customer. A document content including at least one of information, the calculated customer LTV and DTI information, insurance insurance processing information of the customer, and a document file (eg, a Portable Document Format (PDF) file) including the document content, or EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, web document file including MHT), etc.) as a collateral loan electronic document for collateral loans linked to the insurance. It is desirable to.

Alternatively, the server generates document content including at least one loan application amount information, income proof information, security information, insurance subscription application information included in the received security loan application information, and the mortgage loan to the document content. At least one or more of loan application amount information, income proof information, collateral information, insurance application information included in the application information, collateral value information of the confirmed collateral of the customer, the calculated customer LTV and DTI information, the After including the insurance processing information of the customer in a watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) file, Or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process a mortgage account electronic documents for the mortgage loan.

Alternatively, the server may include loan application amount information, income proof information, security information, insurance application information, and collateral value information about the confirmed customer's collateral, included in the received security loan application information, and the calculated customer LTV. And image content including at least one of DTI information and insurance insurance processing information of the customer, and image content (eg, image content generated by capturing the document content on a memory). It is preferable to process the image file including a secured loan account electronic document for a security loan associated with the insurance.

Alternatively, the server may include loan application amount information, income proof information, collateral information, insurance application information, and collateral value information about the confirmed collateral of the customer, and the calculated customer LTV included in the received collateral loan application information. And image content including at least one of DTI information and insurance insurance processing information of the customer, and image content (eg, image content generated by capturing the document content on a memory). After at least one or more information of the loan application amount information, income proof information, collateral information, insurance application information included in the security loan application information in a watermarking (Watermarking) method, the image content including the watermarking Processing the containing image file as a collateral loan account electronic document for a collateral loan associated with the insurance Is recommended.

According to another exemplary embodiment of the present invention, the server may secure the loan application amount information, the income proof information, the security information, the insurance subscription information, and the security of the customer's collateral which is included in the received security loan application information. Image content (eg, the document content is generated) that generates document content including at least one of value information, the calculated customer LTV and DTI information, and insurance insurance processing information of the customer, and captures the document content. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including image content captured and generated on the Or a web document file including an MHT) to a collateral loan account electronic document for collateral loans linked to the insurance. Lee it is preferable to.

Alternatively, the server may include loan application amount information, income proof information, security information, insurance application information, and collateral value information about the confirmed customer's collateral, included in the received security loan application information, and the calculated customer LTV. And image content including at least one of DTI information and insurance insurance processing information of the customer, and image content (eg, image content generated by capturing the document content on a memory). Generate image content including at least one or more information of loan application amount information, income proof information, collateral information, insurance application information, included in the security loan application information by a watermarking method, and the watermarking Document files containing embedded image content (e.g., Portable Document Format (PDF) files, or Electronic Data Interc) hange) file, or a word processing file including at least one or more HWP / DOC, or a web document file including the MHT, etc. It is preferable.

According to another exemplary embodiment of the present invention, the server provides information on loan application amount information, income proof information, collateral information, insurance subscription information and the security of the customer identified in the received collateral loan application information. Generating image content including at least one of collateral value information, the calculated customer LTV and DTI information, and insurance insurance processing information of the customer; and capturing the image content (eg, the document content). At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the image content captured on the memory and the security loan application information. By creating one or more word processing files, or web document files containing MHT). That the mortgage process into account electronic documents is desirable.

Alternatively, the server may include loan application amount information, income proof information, security information, insurance application information, and collateral value information about the confirmed customer's collateral, included in the received security loan application information, and the calculated customer LTV. And image content including at least one of DTI information and insurance insurance processing information of the customer, and image content (eg, image content generated by capturing the document content on a memory). Generate image content including at least one or more information of loan application amount information, income proof information, collateral information, insurance application information, included in the security loan application information by a watermarking method, and the watermarking A document file (eg, a Portable Document Format (PDF) file) containing the included image content and the security loan application information. 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). It is preferable to process the account electronic documents.

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

Thereafter, the server stores the generated secured loan account electronic document in a predetermined electronic document storage (1070c).

As shown in FIG. 8, the electronic document repository is provided externally including a predetermined electronic document server 870 and an electronic document D / B connected to a server on the secured loan account opening system through predetermined communication means. In this case, the server preferably transmits the generated mortgage account electronic document to the electronic document server 870 through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the secured loan account opening system, the server stores the generated collateral loan account electronic document on the DBMS provided in the secured loan account opening system. It is possible to store in an electronic document D / B corresponding to the present invention, thereby not limited to the present invention.

According to an embodiment of the present invention, the storing of the secured loan account electronic document in the electronic document storage may be performed by linking the generated secured loan account electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the secured loan 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 secured loan account electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the secured loan application information), financial institution information transmitting the secured loan account electronic document, or electronic document. File format information, or the security loan application information).

If the secured loan account electronic document is stored in the electronic document repository (1075c), the server is based on the loan application amount information, income proof information, collateral information, insurance subscription application information included in the secured loan application information Generate financial account information (1080c).

Herein, the financial account information may include an account number and an interest rate information corresponding to the security loan account opened based on the security loan application information, and when the security loan account includes a savings attribute, It is preferable that the subscription period, the payment date and time, and the amount of payment information.

Thereafter, the server is linked to the financial system to include the financial account information based on the loan application amount information, income proof information, collateral information, and insurance application information included in the security loan application information. Open and process a financial account (1085c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the insurance loan application information. It is characterized by opening a predetermined financial account for collateral loans to be linked.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B on the financial system to generate a predetermined ledger including the financial account information.

Thereafter, the server includes at least one of customer information, loan application amount information, income proof information, collateral information, insurance application information included in the security loan application information, security loan application information, and insurance subscription information. And customer information, mortgage loan application information, insurance subscription information and at least one of the customer information, loan application amount information, income proof information, collateral information, and insurance application information included in the collateral loan application information. Information, LTV and DTI information, insurance processing information is generated and stored in a predetermined storage medium (1090c).

According to an embodiment of the present invention, when the storage medium is provided in the server or on the network associated with the server, the server includes the customer information and loan request included in the received security loan application information. Customer information including at least one or more of the amount information, income proof information, collateral information, insurance application information, collateral loan application information, insurance subscription information and the customer information and loan application amount information, income included in the security loan application information, income Storing customer information including at least one of evidence information, collateral information, insurance application information, collateral loan application information, insurance subscription information, the security value information, LTV and DTI information, and insurance subscription processing information on the storage medium. desirable.

According to another embodiment of the present invention, when the storage medium is provided in the DBMS provided on the financial system, the server includes the customer information, loan application amount information, and income proof information included in the received security loan application information. Customer information, mortgage application information, insurance information and insurance application information included in the at least one or more information, such as insurance information, insurance application information, loan application amount information, income proof information, security information, Providing customer information including at least one insurance application information, collateral loan application information, insurance subscription information, the security value information, LTV and DTI information, and insurance subscription processing information to the information system through the external system in the financial system. It is desirable to store in a DBMS provided on the system.

Thereafter, the server may provide predetermined financial account opening history information (eg, the mortgage loan account opening history, or the details of storing the mortgage account electronic document in the electronic document repository, or the mortgage loan application information in the storage medium). Stored details) are generated (or extracted) and transmitted to the terminal (1095c).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the secured loan account opening system (or associated with the secured loan account opening system), wherein the storage The medium may be a ledger D / B provided in the DBMS on the financial system 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 is at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the secured loan opening system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

11 is a diagram illustrating a secured loan account operating system for a loan advance payment process according to an embodiment of the present invention.

In more detail, FIG. 11 shows that the mortgage customer is insured in the process of operating the mortgage account linked to the insurance opened through the mortgage account opening system shown in FIG. 2 or 8 in connection with the storage medium. If the loan corresponding to the subscription amount in the middle of repayment, the system configuration for repaying the premium paid or terminate the insurance contract, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modified to infer various implementation methods for the mortgage account management system for the loan advance payment process, the present invention comprises all the inferred implementation method, shown in Figure 11 The technical features are not limited only by the implementation method.

Referring to FIG. 11 according to an embodiment of the present invention, the mortgage account operating system includes a financial system equipped with a ledger corresponding to a mortgage account opened through a mortgage account opening system shown in FIG. 2 or FIG. 8. And a storage medium storing customer information including at least one loan application amount information, income proof information, collateral information, insurance application information, collateral loan application information, insurance subscription information, and the financial system. A financial company that operates a security loan account, and periodically checks whether the customer's mortgage is repaid on the basis of the customer information, the security loan application information, and the insurance subscription information stored in the storage medium, to accomplish the loan repayment process. It is characterized by comprising a server 1100.

Here, the storage medium is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or is provided on at least one banking system All of them are possible, and this invention is not limited.

In addition, the financial institution server 1100 may be a ledger server provided in the financial system, or the financial institution server 1100 on the mortgage account opening system shown in FIG. 2 or FIG. 8, or in FIG. 2 or FIG. 8. Various banking servers (e.g., Internet banking server, wireless banking server, tele banking server, home banking server, TV banking server, etc.) operating the secured loan account in connection with the illustrated financial system or performing the loan repayment process. It may be a separate server provided to achieve, by which the present invention is not limited.

In addition, in FIG. 11, the financial institution server 1100 periodically functions the operation of the security loan account in connection with the financial system, and the customer information, the security loan application information, and the insurance subscription information stored in the storage medium. Although it has been shown to include all the functional configuration to achieve the loan advance payment process by checking, the present invention is not limited by this, the financial company server 1100 is a separate server (or device) for each functional configuration It is clear that this can be achieved.

The financial system is a general term of a computerized system having a ledger corresponding to the secured loan account opened through the secured loan account opening system shown in FIG. 2 or 8, and is basically a branch (or a branch) of the financial institution. At least one window terminal provided in the) and a predetermined financial network (for example, through the network), characterized in that connected to, through the window terminal provides at least one financial transaction service face-to-face financial services for customers. do.

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, a CD common network), The financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE) connected to a TCP / IP-based backbone network through the Internet banking server At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to an 802.16x-based portable Internet, etc., and the wireless LAN / portable Internet access and browsing function are provided. A non-face-to-face financial transaction service to at least one financial transaction customer through a laptop or mobile terminal).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 11, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. As an accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or teller), an information system for processing the headquarters business, branch office information support and customer information management; Interconnection between a financial system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, etc.) Access to the financial system from telebanking, TV banking, etc.), or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function performed in the components of the financial system and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components, such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. It is characterized in that it is processed and stored.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational manner, or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood, detailed description thereof will be omitted for convenience.

The storage medium, the customer information including at least one or more of the loan application amount information, income proof information, security information, insurance subscription application information through the secured loan account opening system shown in FIG. As a general term of storage means for storing information, insurance information, the storage medium is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of the skilled person It is all possible to be provided on at least one banking system.

Preferably, the loan application amount information includes a loan amount to be loaned by the customer.

The income evidence information preferably comprises at least one statement income and evidence income.

In this case, the stated income is the income described in the loan application submitted by the security loan application customer, and includes items such as working company, business type, employment type, working period, working department, career, age, etc. In the case of self-employed persons, this may include items such as business type, duration, career, and age.

The proof income may include earned income, business income, pension income, real estate rental income, and in the case of earned income, it may include information on receipt of withholding of income income, income amount information, and salary deposit information. In the case of business income, it may include income amount certificate information, business income tax withholding information, tax base confirmation declaration information, and voluntary payment statement information.In the case of pension income, pension certificate information, pension beneficiary identification information, and pension receipt account information In the case of real estate rental income, it may include information on the amount of the rental income certificate, and registered information on the real estate register.

The collateral information is preferably made to include information on registration rights for the collateral provided by the customer for the security loan application in exchange for receiving a loan.

The insurance application information above is the delinquent occurrence and recovery of the current loan bonds, which are caused by additional loans for the purpose of increasing the loan limit for the amount of the first-deferred repayment deposit and 20% of the collateral reserve value deducted in the collateral evaluation. It is preferable to include the consent information of the loan application customer for insurance to cover the credit risk, such as incapacity.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer, member information of the customer (for example, the customer is the financial institution of the financial institution). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system associated with the secured loan account opening system in response to the customer by subscribing as a transaction customer; It is preferable to comprise as mentioned above.

In addition, the storage medium may be configured to further include information on loan repayment details and insurance contract termination information.

Referring to FIG. 11, the financial institution server 1100 periodically queries the mortgage account of the customer in the process of operating the mortgage loan account established through the mortgage account opening system shown in FIG. 2 or FIG. 8. The information checking unit 1110 to confirm whether the payment of the prepayment amount is made, and the information determination unit 1115 determining whether the received prepayment amount exceeds the insurance amount when the payment of the prepayment amount of the customer is confirmed. And, if the deposited intermediate repayment amount does not exceed the insured amount, the insurance amount corresponding to the intermediate repayment amount is refunded, and if the deposited intermediate repayment amount exceeds the insured amount, And the information processing unit 1120 for processing a refund and insurance contract for the refund, and storing the mid-payment repayment details, insurance amount refund processing details, and insurance contract termination processing details. And an information storage section 1125 to store the object is characterized in that formed.

According to the method of the present invention, the information checking unit 1110 periodically performs the mortgage loan account of the customer in the process of operating the mortgage loan account opened through the mortgage loan account opening system shown in FIG. It is characterized by checking whether the payment of the prepayment amount of money, and if the payment of the prepayment amount is confirmed, the information on the prepayment of the prepayment amount is provided to the information determining unit 1115.

The information determining unit 1115 confirms the insurance subscription amount of the customer by interworking with the storage medium when the deposit of the intermediate repayment amount of the customer is confirmed through the information checking unit 1110, and the deposited intermediate repayment amount It is characterized in that it is determined whether or not to exceed the confirmed insurance coverage amount, and provides the information processing unit 1120 whether the insurance payment amount exceeds the deposited intermediate repayment amount.

The information processing unit 1120, based on the history of exceeding the insured amount of the prepayment amount provided through the information determination unit 1115, when the deposited repayment amount does not exceed the insured amount, the prepayment amount It is characterized in that the refund of the insurance amount, and if the amount of the repayment is more than the amount of insurance, the refund processing and the termination of the insurance contract for the insurance amount, and the refund of the insurance amount Providing the processing and insurance contract termination processing details to the information storage unit 1125.

The information storage unit 1125, if any one or more of the refund of the insurance amount, the termination of the insurance contract is processed through the information processing unit 1120, the details of the middle payment repayment details and insurance amount refund processing, insurance contract termination processing details It characterized in that for storing in the storage medium.

Referring to FIG. 11, the financial company server 1100 is an interface unit 1105 which connects a communication channel with at least one customer terminal for inquiry, information, etc. of the details of the mid-payment repayment history and insurance amount refund processing, insurance contract termination history, and the like. And an information receiving unit 1130 for receiving predetermined information processing history inquiry request information for the information processing history inquiry (or providing) from the customer terminal in association with the interface unit 1105, and the received information processing. And an information providing unit (1135) for providing the details of the repayment details of the customer, the details of the insurance amount refund process, and the insurance contract termination information in connection with the financial system and the storage medium based on the details inquiry request information. Each functional component comprises at least two or more functional components (or means) according to the intention of the person skilled in the art. It is possible that, and to which the present invention is not limited.

According to an embodiment of the present invention, when the customer terminal is an employee terminal connected to a predetermined communication network (for example, a financial network), the interface unit 1105 may be connected to the employee terminal based on the protocol stack defined in the communication network. By connecting a predetermined communication channel and using the communication protocol defined in the financial transaction program provided in the employee terminal, inquiries and information on the employee terminal, the repayment details of the intermediate payment and the refund of insurance amount, the details of insurance contract cancellation, etc. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) for provision.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wired terminal connected to a predetermined wired communication network, the interface unit 1105 is predetermined with the customer terminal based on a protocol stack defined in the wired communication network. The communication channel of the customer terminal, and use the communication protocol defined in the financial transaction program provided in the customer terminal to provide information and provide information on the wired terminal, the details of the repayment of the middle payment and the refund of the insurance amount, the details of the insurance contract cancellation, etc. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

For example, when a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the customer terminal, the interface unit 1105 connects a communication channel with the customer terminal based on the TCP / IP protocol. Compatible with a predetermined web page (e.g., Hyper-Text Markup Language (HTML)) for inquiring the details of repayment details, insurance amount reimbursement history, insurance contract cancellation history, etc., and providing information using the HTTP protocol defined in the browser program. Web page) or a communication interface for transmitting and receiving information (or data).

Or, if the customer terminal is provided with a predetermined financial transaction program directly interworking with the financial company server 1100, the interface unit 1105 connects a communication channel with the customer terminal based on the TCP / IP protocol and And, using the communication protocol defined in the financial transaction program provides a communication interface for transmitting and receiving the information (or data) for the inquiry, such as the details of the repayment details and insurance amount refund processing history, insurance contract cancellation history, information providing.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1105 may be connected to the customer terminal based on a protocol stack defined in the wireless communication network. At least one for connecting to a predetermined communication channel and using the communication protocol defined in the financial transaction program provided in the customer terminal to inquire the details of the repayment details of the intermediate payment, the details of the insurance amount refund, the details of the termination of the insurance contract, and provide information. It is desirable to provide a communication interface for transmitting and receiving the above information (or data).

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 1105 communicates with the customer terminal based on the CDMA / WCDMA protocol. By using the WAP / ME protocol defined in the browser program, and the inquiry of the repayment details and insurance amount refund history, insurance contract cancellation history, etc., a predetermined web page (for example, WML (Wireless) Markup Language) or an HTML compatible webpage) or an interface for transmitting and receiving information (or data).

Or, if the customer terminal is provided with a predetermined financial transaction program directly interworking with the financial company server 1100, the interface unit 1105 connects the communication channel with the customer terminal based on the CDMA / WCDMA protocol and And, using the communication protocol defined in the financial transaction program provides a communication interface for transmitting and receiving the information (or data) for the inquiry, such as the details of the repayment details and insurance amount refund processing history, insurance contract cancellation history, information providing.

The information receiving unit 1130, in conjunction with the interface unit 1105, requests from the customer terminal the details of the repayment details and insurance amount refund processing history, insurance contract cancellation history, etc., the predetermined information processing inquiry query for information provision Characterized in that it receives the information, the received information processing history query request information is provided to the information providing unit 1135.

The information provider 1135 performs inquiries on the details of the repayment of the middle payment, insurance amount refund process, insurance contract cancellation history, etc. in connection with the financial system and the storage medium based on the received information processing request information. And providing the inquiry details to the customer terminal through the interface unit 1105.

12 is a diagram illustrating a loan advance payment process according to an embodiment of the present invention.

More specifically, FIG. 12 shows that the mortgage customer is insured in the course of operating the mortgage account linked to the insurance linked to the storage medium opened through the mortgage account opening system shown in FIG. 2 or FIG. In the case of mid-payment of the loan amount corresponding to the amount, it is about the process of refunding the prepaid premium or terminating the insurance contract. If the person having ordinary knowledge in the technical field to which the present invention belongs, refer to this figure 12 or It will be possible to infer various implementation methods for the loan advance payment process by modification, but the present invention includes all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG. .

Referring to FIG. 12, in the process of operating a secured loan account opened through the secured loan account opening system shown in FIG. Check whether or not (1200).

If the customer's deposit payment is confirmed (1205), the server checks the insurance amount of the customer (or the remaining insurance remaining after partial payment) in association with the storage medium (1210), and the deposit It is determined whether the prepayment amount is greater than the insured amount and determines whether the deposited repayment amount exceeds the amount insured (1215).

If the deposited intermediate repayment amount meets or exceeds the insurance amount (1220), the server checks the insurance amount to be refunded to the customer and refunds the confirmed insurance amount to the customer account. Process 1225.

In operation 1230, the server terminates the insurance contract according to the repayment of the total insurance coverage of the customer in association with the insurance company server.

On the other hand, when the deposited intermediate repayment amount is less than the insurance amount (1220), the server checks the insurance amount to be refunded to the customer, and refunds the confirmed insurance amount to the customer account ( 1235).

Thereafter, the server stores the repayment details, insurance amount refund processing details, and insurance contract termination processing details on the storage medium (1240), and the customer accesses the financial company server (1100) to pay the details of the repayment details and insurance. When requesting the amount refund processing history, insurance contract termination processing details inquiry, the requested customer payment details and insurance amount refund processing history, insurance contract termination processing history inquiry information to the connected client terminal, or specified by the customer The intermediate payment repayment history, insurance amount refund processing history, insurance contract termination processing history inquiry history information may be provided to the terminal (or communication means).

According to the present invention, by providing a mortgage as a mortgage to the customer who wants to take out a loan, the auto insurance treatment process has a certain requirement, allowing the LTV ratio to be expanded within 20% of the value of the collateral, thereby expanding the mortgage market. There is this.

In addition, there is an advantage in that the retail sales base can be secured by activating excellent mortgage loans.

In addition, it has the advantage of being able to preoccupy the home loan market, which is a superior asset, by expanding the lending limit compared to other financial institutions.

In addition, by reducing the burden on the initial holding cash has the advantage that it can provide more opportunities for homes for the common people, the middle class.

In addition, it can secure loan soundness by strengthening collateral and reduce bad debts through securing loans and improving profitability.

Claims (5)

Setting (or calculating) a standard Loan To Value ratio (LTV) applicable to the customer based on the collateral value and the income proof information on the collateral provided by the customer for the security loan; Identifying an LTV range corresponding to a small loan guarantee amount and an LTV range corresponding to an additional loanable amount using the set reference LTV; When the loan application amount of the customer is included in the LTV range corresponding to the additional loan amount, insurance processing of the sum of the additional loan amount and the small lease guarantee amount as the insurance subscription amount of the customer; And And processing the collateral loan requested by the customer after the insurance subscription process. The method of claim 1, When the loan application amount of the customer is included in the LTV range corresponding to the small lease guarantee amount, insurance processing by processing the small lease guarantee amount as the insurance coverage amount of the customer; Mortgage loan operation method. The method of claim 1, Periodically checking the customer's mortgage loan account to confirm whether a payment for the prepayment amount is received; Determining whether the deposit payment amount exceeds the insurance payment amount, when the payment of the payment amount of the payment amount of the customer is confirmed; If the amount of the prepayment does not exceed the insured amount, the insurance amount corresponding to the amount of the prepayment is refunded, and if the amount of the prepayment is over the amount insured, the refund for the amount of insurance And processing the termination of insurance and insurance contract. A recording medium comprising a program for executing the method of claim 1. Information calculating means for setting (or calculating) a reference Loan To Value ratio (LTV) applicable to the customer based on the collateral value and the income proof information about the collateral of the customer's collateral; The LTV range corresponding to the small lease guarantee amount and the LTV range corresponding to the additional loanable amount are checked using the set standard LTV, and the loan application amount of the customer is included in the LTV range corresponding to the additional loan amount. Insurance processing means for insured processing, in which the sum of the additional loan amount and the small lease guarantee amount is the insurance subscription amount of the customer; Loan processing means for processing the security loan requested by the customer after the insurance subscription processing; And When the customer's deposit of the prepayment amount is confirmed, it is determined whether the received prepayment amount exceeds the insurance coverage amount, and if the deposited prepayment amount does not exceed the insurance coverage amount, it corresponds to the prepayment amount. A information processing means for refunding the insurance amount and processing the refund of the insurance amount and terminating the insurance contract if the deposited intermediate repayment amount exceeds the insurance amount; Operating system.

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