KR20100010409A - System for operating loan advance information - Google Patents

Abstract

PURPOSE: A credit information management system of a financial facility in which a user inquires the credit processing state of the user through authentication is provided to monitor each information of the financial facility according to each individual, team and working file. CONSTITUTION: A financial institution terminal(2) processes an authentication request procedure for processing a credit processing completion time from a credit receipt. A transaction API(4) for approaching to a database and monitoring the loan business information is installed in the financial institution terminal. An inquiry API is installed inside the user terminal in order to inquire the loan business information of the user. A loan management server is matched with the person in charge information, the processing time and detail acceptance information. The credit management server predicts each loan business time.

Description

Credit information management system of financial institutions {SYSTEM FOR OPERATING LOAN ADVANCE INFORMATION}

The present invention relates to a credit information management system of a financial institution, and more specifically, it is possible to monitor the processing status of credit work by credit information, team and individual, and inquiries about specific credit information can be inquired by internal terminals and user terminals. It is related to the credit information management system of financial institutions that can improve the quality of credit services by making it possible to predict the processing time for each credit information.

As is well known, the credit business of financial institutions such as banks and credit companies is an important part of the modern society, and since the profits of financial institutions are mostly generated from credit business, each financial institution is required to efficiently perform credit business. Trying hard.

The foregoing invention refers to the background of the art to which the present invention pertains, and does not mean the prior art which is widely known in the art.

However, since the credit business carries risks related to the recovery of the credit, the process of reviewing the credit request is not simple, and there are many kinds of documents that are referred to. Is being consumed. In particular, such credit-related documents are generally kept for a certain period of time, so the cost of storing them is not small and it is not easy to inquire past credit-related documents.

In particular, it is not easy to inquire about the credit information being distributed and distributed by team or person in charge, and therefore, it is impossible to predict the time required for each credit because the credit processing procedure information and pending processing information are not disclosed. Frequent delays in credit processing due to omissions or errors in the personnel are common.

The present invention has been created to improve the above problems, it is possible to monitor the credit information processing status by credit information, team, individual, and support for the specific credit information to the internal terminal and the user terminal selectively The purpose is to provide a credit information management system of financial institutions that can improve the quality of credit services by making it possible to predict the processing time of each credit information.

The credit information management system of a financial institution according to the present invention is used by the credit officer, and accesses the internal credit network to the credit management server 10 to process the authentication request therein to process the work from the credit reception to the completion of credit processing. A financial institution terminal 2 capable of receiving and receiving credit business information to be processed and having a business processing API 4 for accessing a database to monitor credit business information; A user terminal 6 having an inquiry API 8 therein installed therein so as to inquire its credit service information being accessed and processed by the credit management server 10 through the Internet network; Registered credit information is registered by matching it with contact information, processing time, and detailed receipt information, and supports the inquiry of credit processing information to a financial institution terminal or a user terminal. A credit information management system of a financial institution is provided, which is provided with a credit management server 10 for analyzing and predicting a required time for each credit service.

Preferably, the credit management server 10 includes a control server 12 for performing authentication and inquiry processing therein; A database management server (DBMS) 18 is provided for managing the database 22. The control server 12 has an authentication processing unit 14 for performing authentication processing of internal personnel and users, and credit business information. Inquiry processing unit 16 is provided to perform an inquiry process for the, the database management server 18 is characterized in that the extraction / update processing unit 20 is provided to perform the extraction and update processing of data therein The credit information management system of financial institutions is provided.

Preferably, the credit management server 10 is configured to automatically calculate the expected processing completion time of a particular credit service, through the waiting amount of the credit service assigned to the person in charge, the waiting sequence and the average processing time of each credit service. A credit information management system of a financial institution is provided.

Preferably, the credit management server 10, the waiting time is accumulated from the time of receipt of each credit service, the maximum waiting time is set in advance, if the maximum waiting time is exceeded automatically credited to the team leader or department head There is provided a credit information management system of a financial institution, characterized in that it is set to generate long-term processing delay information of a file.

Preferably, the credit management server 10 receives the credit information from the financial institution terminal 2, authentication information, credit search information (resident number / corporation) from the financial institution terminal 2 and the user terminal 6 And a data receiving unit for receiving credit processing information inquiry signal; A data transmission unit for transmitting credit processing status information and credit processing detailed information to the financial institution terminal 2 and the user terminal 6; An authentication processing unit for performing user authentication to communicate with APIs mounted in the financial institution terminal 2 and the user terminal 6 to transmit and receive various files; A credit processing monitoring processor for performing management to store / update the list of credit service files stored in the data storage unit 40, the contact information for each list, and the processing status information; Upon receipt of credit, it monitors the expected processing time according to credit importance and credit size for each credit work file to determine whether the expected processing time is exceeded, and if it is exceeded, the long-term processing delay information of the credit work file is automatically sent to the team leader or department head. A delay automatic notification processor for generating; A processing list management processor interworking with the credit processing monitoring processor 30 and managing a list of credit business files; A credit processing information extraction processor interworking with the data storage 40 to perform extraction management for specific credit information; A processing time estimating processor for predicting an amount of time required for each credit service by analyzing an accumulation of credit services for each person in charge and an order thereof; A data storage unit which stores credit detail information, contact information for each credit service, reception time information, credit processing monitoring information, and borrower credit processing inquiry information, and stores login information for each API mounted on each terminal; Receives and saves the reception signal and detailed credit information of the credit from the financial institution terminal 2, manages the credit file so that it can be viewed or monitored through the login information, and automatically notifies and predicts the processing time of the credit processing delay. There is provided a credit information management system of a financial institution, comprising a control unit for controlling for.

Preferably, the credit management server 10 of the financial institution further comprises a processor for controlling to display a separate color indicating that the re-request or re-review work for the credit re-request or review work that is a duplicate service Credit information management system is provided.

As described above, the credit information management system of a financial institution according to the present invention, since the internal personnel of the financial institution can monitor each piece of information for each team, for each person in charge, and for each credit work file, the business processing speed is fast, and the user is authenticated. It is very convenient because you can query the status of your credit through the system, and the information is automatically sent to a specific team leader or department head for long-term delays, so there is no possibility of missing work. The advantage is that the file completion time can be estimated accurately.

Hereinafter, an embodiment of a credit information management system of a financial institution according to the present invention will be described with reference to the accompanying drawings. The terms to be described below are terms defined in consideration of functions in the present invention, which may vary depending on the intention or convention of a user or an operator. Therefore, the definitions of these terms should be made based on the contents throughout the specification.

1 is a block diagram showing the configuration of a credit information management system of a financial institution according to an embodiment of the present invention.

Referring to this, the credit information management system of a financial institution according to an embodiment of the present invention can monitor credit information processing status by credit information, team and individual, and inquiries about specific credit information to internal terminals and user terminals. It is a system to improve the quality of credit services by selectively supporting them and by predicting the processing time for each credit information.

That is, the credit information management system of a financial institution according to an embodiment of the present invention may monitor the person in charge of each credit case, processing time, detailed information, and the like. It is possible to support the inquiry of credit processing information to the user terminal through the system, and to analyze the cumulative credit amount of each person in charge and the order thereof to predict the time required for each credit service.

To this end, the credit information management system of a financial institution according to an embodiment of the present invention is used by the credit officer to access the credit management server 10 to the internal private network to process the work from the credit reception to completion of credit processing. The financial institution terminal 2 is configured to receive the credit information to be processed as the financial institution terminal 2 accesses the credit management server 10 to perform an authentication process. In addition, a business processing API (Application interface: 4) for accessing a database and monitoring credit business information is installed therein.

In addition, in the credit information management system of a financial institution according to an embodiment of the present invention, the user terminal 6 which allows the credit management server 10 to inquire its credit service information being accessed and processed through the Internet network. Bar is provided in the user terminal 6, the inquiry API for transmitting the inputted authentication information to the credit management server 10, and receives and outputs credit business information from the credit management server 10 ( Application interface: 8) is installed.

On the other hand, the credit information management system of the financial institution according to an embodiment of the present invention registers the received credit information by matching the contact information, processing time, and detailed reception information, and the credit processing information to the financial institution terminal or the user terminal. There is provided a credit management server 10 for supporting the inquiry, and analyzing the cumulative amount of credit service for each person in charge and the order thereof to predict the time required for each credit service.

The credit management server 10 is a control server 12 for performing authentication and inquiry processing therein, and a database management server for managing the database 22 (hereinafter referred to as a database management server (DBMS): 18). Is provided, the control server 12 is provided with an authentication processing unit 14 for performing the authentication process of the internal personnel and users therein, the inquiry processing unit 16 for performing an inquiry process for the credit business information is provided It is provided.

In addition, the DBMS 18 is provided with an extraction / update processing unit 20 that performs data extraction and update processing therein.

On the other hand, the credit management server 10 sets the expected processing time according to the credit importance and credit size at the time of receipt for each credit business file managed therein, if the expected time exceeded the processing, the team leader or Dept. long-term processing delay information of the credit work file is generated to the department head so that the manager can cope with missing credit processing.

That is, the credit management server 10, the waiting time is accumulated from the time of receipt of each credit service, the maximum waiting time is set in advance, if the maximum waiting time is exceeded automatically the credit card work file to the team leader or department head It is set to generate long term processing delay information.

2 is a block diagram showing the configuration of a credit management server included in a credit information management system of a financial institution according to an embodiment of the present invention.

Referring to this, the credit management server 10 included in the credit information management system of a financial institution according to an embodiment of the present invention has a data receiving unit, a data transmitting unit, an authentication processing unit, a credit processing monitoring processor, and a delay case automatic. A notification processor, a processing list management processor, a credit processing information extraction processor, a processing time prediction processor, a data storage unit and a control unit are provided.

Reference numeral 24 receives credit information from the financial institution terminal 2, and retrieves authentication information, credit search information (resident number / corporation number) and credit processing information from the financial institution terminal 2 and the user terminal 6; A data receiver for receiving a signal is shown.

Reference numeral 26 denotes a data transmission unit for transmitting credit processing status information and credit processing detailed information to the financial institution terminal 2 and the user terminal 6.

Reference numeral 28 denotes an authentication processing unit that performs user authentication in order to communicate with APIs mounted in the financial institution terminal 2 and the user terminal 6 to transmit and receive various files.

Reference numeral 30 denotes a credit processing monitoring processor which manages to store / update the list of credit business files stored in the data storage 40 and the contact information and processing status information for each list, and reference numeral 32 denotes a credit processing. Delays to monitor the expected processing time according to credit importance and credit size for each credit work file, to determine whether the expected processing time is exceeded, and to automatically generate long-term processing delay information of the credit work file to the team leader or department head if it is exceeded. The gun represents an automatic notification processor.

Reference numeral 34 denotes a processing list management processor which manages a list of credit service files while interworking with the credit processing monitoring processor 30, and reference numeral 36 links with the data storage 40 to extract specific credit information. Represents a credit processing information extraction processor that performs management.

Reference numeral 38 denotes a processing time estimation processor for predicting the time required for each credit service by analyzing the accumulation of credit service for each person in charge and the order thereof. For example, the processing time prediction processor 38 analyzes the amount of work for each credit processing officer, analyzes the processing order, and calculates an estimated processing time for each credit file by applying the average processing time for each credit file. Processor.

Reference numeral 40 stores credit detail information, contact information for each credit service, reception time information, credit processing monitoring information, and borrower's credit processing inquiry information, and stores data storing login information for each API mounted on each terminal. Represents wealth.

Reference numeral 42 receives and stores the reception signal and detailed credit information of the credit from the financial institution terminal 2, manages the credit file to be viewed or monitored through the login information, and automatically notifies about the credit processing delay. And a control unit that performs control for predicting processing time.

At this time, the credit management server 10 is a duplicate work, for example, for a credit re-application or re-examination work is a separate credit indicating that the credit information output to the web browser of the financial institution terminal 2 of the person in charge is a re-request or re-review work By performing color display, it is controlled to display the importance of credit processing separately.

To this end, the credit management server 10 automatically executes the display change for the credit file requested for re-review in the process of handling a credit for any one credit work, and automatically changes the display even for duplicate credits of the same borrower. By controlling to execute, it is controlled to call the attention of the person in charge during credit processing.

Hereinafter, with reference to the accompanying drawings the operation of the credit information management system of a financial institution according to an embodiment of the present invention having the above configuration will be described in detail.

3 is a flowchart illustrating an internal credit processing monitoring state through a credit information management system of a financial institution according to an embodiment of the present invention.

First, the financial institution terminal 2 included in the credit information management system of a financial institution according to an embodiment of the present invention may communicate with the credit management server 10 through the business processing API 4 therein, Through the communication, the internal personnel of the financial institution may monitor the credit business processing status of the other persons registered in the credit management server 10.

The financial institution terminal 2 may access the credit management server 10 and execute the inquiry of the credit information. The credit management server 10 may receive the entire credit list inquiry signal from the financial institution terminal 2. Determine whether or not.

If the entire credit list inquiry signal is not received, the credit management server 10 sequentially determines whether a credit information inquiry signal for each team is received or whether a task information inquiry signal of a specific person is received.

If the entire credit list inquiry signal is received, the credit management server 10 extracts the entire credit list information from the database 22 and transmits it to the financial institution terminal 2 to output the screen.

Then, the credit management server 10 determines whether a selection signal for specific credit information among all credit list information is received from the financial institution terminal 2.

If a selection signal for specific credit information is received, the credit management server 10 extracts detailed information about the corresponding credit information from the database 22 and transmits the detailed information about the credit information to the financial institution terminal 2 to output the screen. Let's do it.

On the other hand, if a credit information inquiry signal for each team is received from the financial institution terminal 2, the credit management server 10 extracts and sorts the credit information for each team, and the corresponding information to the financial institution terminal (2). Send the screen to output.

In addition, if the business information inquiry signal of a specific person in charge is received from the financial institution terminal 2, the credit management server 10 extracts and sorts the credit information assigned to the person in charge, and arranges the corresponding information in the financial institution. The screen is transmitted to the terminal 2.

Then, the credit management server 10 determines whether a monitoring end signal is received from the financial institution terminal 2, and if the termination signal is received, the credit management server 10 transmits the result to the business processing API 4 of the financial institution terminal 2. Disable session setup.

4 is a flowchart illustrating a credit processing status inquiry process through a credit information management system of a financial institution according to an embodiment of the present invention.

First, the credit information management system of a financial institution according to an embodiment of the present invention may query a user's credit processing status using a user terminal 6 located outside through the Internet network.

In order to check the credit processing status, the user terminal 6 should be provided with an inquiry API (8). If the inquiry API (8) is installed, the inquiry API (8) receives login information and receives the credit management server. Transfer to (10).

That is, the credit management server 10 determines whether the login information is received from the user terminal 6 and the authentication process is performed, and if it is a non-member, executes the login account.

If the login process is normally performed, the credit management server 10 transmits the inquiry screen data to the user terminal 2 to output it.

In that state, the credit management server 10 determines whether the resident number or corporation number data is received from the user terminal 2, and if the resident number or corporation number is received, the credit management server 10 The authentication is performed to determine whether there is a social security number or corporation number associated with the credit information being processed in the database.

Therefore, the credit management server 10 determines whether the user of the user terminal 6 accessed through the corresponding reception number is the credit processing waiter.

If it is a credit processing waiter, the credit management server 10 extracts the corresponding credit processing information and transmits it to the user terminal 6 to output the screen. If the credit processing server is not waiting, the credit management server 10 Information indicating that the credit processing is not waiting is transmitted to the user terminal 6 to output the screen.

5 is a flowchart illustrating a credit processing time management process through a credit information management system of a financial institution according to an embodiment of the present invention.

Credit information management system of a financial institution according to an embodiment of the present invention by analyzing the amount of work of each person in charge, the analysis of the average processing time due to the amount of work, credit processing order information by predicting the processing time for a specific credit in advance, the relevant person or credit It is a highly convenient system provided to applicants.

First, the credit management server 10 determines whether the credit application information newly received from the financial institution terminal 2 is received. If the new credit application information is received, the credit management server 10 receives the received credit. The database is updated by registering the processing information in the database.

In this state, the credit management server 10 determines whether credit file reading information is received from the financial institution terminal 2, and if the credit file reading information is received, the credit management server 10 stops the timer. Start driving. That is, in the case of a newly received credit file, when a reading signal is received, the person in charge determines that the signal is a signal for processing the credit, and drives a timer to adjust the average time data of the credit processing.

Of course, the credit management server 10 first determines through the communication with the business processing API (4) mounted inside the financial institution terminal (2), whether the person in charge is the person assigned to the credit processing; It is also possible to restrict the timer to run only if the person in charge is assigned the credit.

The credit management server 10 determines whether a credit processing completion signal is received from the financial institution terminal 2. If the credit processing completion signal is received, the credit management server 10 updates the average credit processing time by applying the credit processing time to the pre-calculated average credit processing time by an arithmetic average method.

In addition, the credit management server 10 updates the waiting credit information, waiting credit order, average processing time information for each person in charge.

On the other hand, when the close signal of the credit file is received from the financial institution terminal 2 in the state in which the credit processing completion signal is not received, the credit management server 10 releases the timer and the corresponding credit information is received. Classify as an air gun.

Then, the credit management server 10 determines the elapsed time after receipt for each credit file to determine whether a long-term waiting gun exists.

If the credit information is held for more than a predetermined time, the credit management server 10 extracts the credit information and transmits the credit information to the financial institution terminal 2 of the team leader or the department manager.

Therefore, the credit management server 10 of the present invention manages the prediction processing time information for all credit files, and can predict the processing for each credit information upon request from the user terminal 4 or the financial institution terminal 2. Provide time information.

More specifically, although not shown, when the credit management server 10 receives an inquiry signal for a specific credit file from the user terminal 6 or the financial institution terminal 2, the credit file is extracted, and the person in charge Extract and judge information.

Then, the credit management server 10 extracts the entire work information assigned to the person in charge, determines the number of the waiting number of the corresponding credit file, and based on the average estimated processing time of each credit file, the corresponding credit file It is possible to calculate how much waiting time is required for processing, and the calculated estimated processing time information can be transmitted to each user terminal 6 or financial institution terminal 2.

For example, if there are 5 credit files assigned to a person in charge, and you want to determine the expected completion time of the third waiting, and the time required to process one credit file is 8 hours, The credit management server 10 can automatically calculate that the processing can be completed after about three days have elapsed credit, the user or the relevant person in the financial institution internal information from the credit management server 10 Can be provided.

1 is a block diagram showing the configuration of a credit information management system of a financial institution according to an embodiment of the present invention;

2 is a block diagram showing the configuration of a credit management server included in a credit information management system of a financial institution according to an embodiment of the present invention;

3 is a flowchart illustrating an internal credit processing monitoring state through a credit information management system of a financial institution according to an embodiment of the present invention;

4 is a flowchart illustrating a credit processing status inquiry process through a credit information management system of a financial institution according to an embodiment of the present invention;

5 is a flowchart illustrating a credit processing time management process through a credit information management system of a financial institution according to an embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

2: financial institution terminal, 4: business processing API,

6: user terminal, 8: query API,

10: Credit management server.

Claims (6)

Used by the credit officer, the credit management server (10) accesses the internal private network to proceed with the authentication request procedure to process the work from the time of credit receipt to completion of credit processing, and receive credit business information to be processed. A financial institution terminal 2 provided with a business processing API 4 for accessing a database and monitoring credit business information; A user terminal 6 having an inquiry API 8 installed therein so that the credit management server 10 can inquire its credit service information being accessed and processed through the Internet network; Registered credit information is registered by matching it with contact information, processing time, and detailed receipt information, and supports the inquiry of credit processing information to a financial institution terminal or a user terminal. Credit information management system of a financial institution, characterized in that provided by the credit management server 10 to analyze the time required for each credit service. The credit management server (10) further comprises: a control server (12) which performs authentication and inquiry processing therein; A database management server (DBMS) 18 is provided for managing the database 22. The control server 12 has an authentication processing unit 14 for performing authentication processing of internal personnel and users, and credit business information. Inquiry processing unit 16 is provided to perform an inquiry process for the, the database management server 18 is characterized in that the extraction / update processing unit 20 is provided to perform the extraction and update processing of data therein Credit information management system of financial institutions. According to claim 1, wherein the credit management server 10 automatically calculates the expected processing completion time of a specific credit service through the credit amount assigned to the person in charge, the waiting order of each credit service and the average processing time Credit information management system of financial institutions, characterized in that configured to me. According to claim 1, wherein the credit management server 10, the waiting time is accumulated from the receipt of each credit service, the maximum waiting time is set in advance, if the maximum waiting time is exceeded automatically to the team leader or department head Credit information management system of a financial institution, characterized in that set to transmit the long-term processing delay information of the credit file. According to claim 1, wherein the credit management server 10 receives credit information from the financial institution terminal (2), authentication information, credit search information (residents) from the financial institution terminal (2) and the user terminal (6) Number / corporation number) and credit processing information inquiry signal; A data transmission unit for transmitting credit processing status information and credit processing detailed information to the financial institution terminal 2 and the user terminal 6; An authentication processing unit for performing user authentication to communicate with APIs mounted in the financial institution terminal 2 and the user terminal 6 to transmit and receive various files; A credit processing monitoring processor for performing management to store / update the list of credit work files stored in the data storage unit 40 and the contact information and processing status information for each list; Upon receipt of credit, it monitors the expected processing time according to credit importance and credit size for each credit work file to determine whether the expected processing time is exceeded, and if it is exceeded, the long-term processing delay information of the credit work file is automatically sent to the team leader or department head. A delay automatic notification processor for generating; A processing list management processor interworking with the credit processing monitoring processor 30 and managing a list of credit business files; A credit processing information extraction processor interworking with the data storage 40 to perform extraction management for specific credit information; A processing time estimating processor for predicting an amount of time required for each credit service by analyzing an accumulation of credit services for each person in charge and an order thereof; A data storage unit which stores credit detail information, contact information for each credit service, reception time information, credit processing monitoring information, and borrower credit processing inquiry information, and stores login information for each API mounted on each terminal; Receives and saves the reception signal and detailed credit information of the credit from the financial institution terminal 2, manages the credit file so that it can be viewed or monitored through the login information, and automatically notifies and predicts the processing time of the credit processing delay. Credit information management system of a financial institution, characterized in that comprises a control for performing a control for. The method of claim 5, wherein the credit management server 10 further comprises a processor for controlling to display a separate color indicating that the re-request or re-review work for the credit re-request or re-review work that is a duplicate task Credit information management system of financial institutions.

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