KR20100024460A - System for processing lending - Google Patents

Abstract

PURPOSE: A loan processing system is provided to confirm a loan amount based on customer information of an indentified customer to process a loan application, thereby enabling the customer to conveniently receive a loan service. CONSTITUTION: A loan processing system includes an interface unit(160), a company information confirming unit(110), an error information processing unit(120), a customer information extracting unit(115), a loan amount confirming unit(130), a loan interest confirming unit(150), and a loan processing unit(135). The interface unit receives specific company information. The company information confirming unit confirms whether the company information is previously registered or not. If the company information is not previously registered, the error information processing unit outputs an error message. If the company information is previously registered, the customer information extracting unit extracts company executive customer information. The loan amount confirming unit and the loan interest confirming unit confirm a loan amount and a loan interest corresponding to the company executive customer information. The loan processing unit performs a loan process based on confirmed loan amount information and loan interest information.

Description

Loan Processing System {System for Processing Lending}

The present invention provides a predetermined company selection window (or web page) or company information input window (or web page) to the company employee customer client terminal, the company employee customer client terminal in the company selection window (or web page) When a specific company is selected or specific company information is input to the company information input window (or web page), the interface unit for receiving the information and the company information corresponding to the selected or inputted specific company information are previously registered. An error information processing unit for outputting an error message if the company information confirmation unit confirms whether the company information confirmation unit and the company information corresponding to the selected or input specific company information are not registered information, As a result of the confirmation of the company information confirming unit, the company information corresponding to the selected or inputted specific company information is previously registered information. If the unique identification information of the company employee customer is received through the interface unit, the identification information of the company employee customer from the storage medium storing the company employee customer information corresponding to the selected or input specific company information The customer information extraction unit for extracting the customer information of the company employee, and the loanable amount set in advance according to the conditions including one or more salary (or salary), the number of years, and the position of the company employee using the company employee customer information In conjunction with a storage medium for storing information, the loan amount and interest rate confirmation unit for checking or extracting the loan amount and loan interest rate corresponding to the company employee customer information, and the loan amount and interest rate confirmed through the loan amount and interest rate confirmation unit Based on the information, the loan processing unit for performing a loan process corresponding to the loan application It relates to an online loan processing system for company employees.

With diversified economic activities and fierce competition in financial markets, profitability-oriented management has become an inevitable task for financial companies. In response to these problems, securing and managing excellent customers is very important.

At this point, as individual incomes increase and personal purchasing power continues to increase through customer credit, individual customers are increasingly being fund managers, not just funders, and financial firms minimize credit risk. There is a tendency to improve profitability by securing individual customers as excellent fund managers.

However, in order to minimize credit risk, more accurate and stable customer credit should be based. For example, customer credit that can be used for financial transactions, such as loans, is based on the financial transaction data of the credit provider. In general, each financial institution is calculated through a predetermined credit rating calculation process according to details entered or filled in by a loan application made online or offline.

In addition, since the customer must fill in or input a small amount of information for the purpose of filling out such a loan application, it can be a cumbersome task and, except for the financial transaction information of the lender, Since the information entered was less objective, there were many concerns about inaccurate information.

Therefore, in order to secure individual customers as superior customers and improve profitability, it provides more convenient transaction interface in financial transactions such as loans, and provides reliable personal (credit) information to the customer along with the lender. There is a need for a third party to do this (eg, a customer company).

An object of the present invention is to provide a company selection window (or web page) or company information input window (or web page) to the company employee customer client terminal, the company selection window (or web page) from the company employee customer client terminal If a specific company is selected or the specific company information is input to the company information input window (or web page), the interface unit for receiving the specific company information and the company information corresponding to the selected or inputted specific company information are pre-registered. A company information confirming unit for confirming whether the information is correct, an error information processing unit for outputting an error message if the company information corresponding to the selected or inputted company information is not registered information, As a result of the confirmation of the company information confirming unit, the company information corresponding to the selected or inputted specific company information is already registered. In the case of the information, when the unique identification information of the company employee customer is received through the interface unit, from the storage medium storing the company employee customer information corresponding to the selected or input specific company information from the storage medium to the unique identification information of the company employee customer A customer information extraction unit for extracting corresponding company employee customer information and a loan set in advance according to a condition including one or more salaries (or salaries), years of service, and position of the company employee using the company employee customer information. A loan amount and interest rate confirmation unit for confirming or extracting a loan amount and a loan rate corresponding to the company employee's customer information, in conjunction with a storage medium storing available amount information, and the loan amount confirmed through the loan amount and interest rate checking unit And lenders performing loan processing corresponding to the loan application based on interest rate information. It is to provide an online loan processing system for employees of a company with a wealth.

An online loan processing system for a company employee according to the present invention provides a company selection window (or web page) or a company information input window (or web page) to a company employee customer client terminal, and the company employee customer client terminal. When selecting a specific company in the company selection window (or web page), or enter the specific company information in the company information input window (or web page), the interface unit for receiving this, and the selected or input specific company information If the company information confirmation unit confirms whether the company information corresponding to the previously registered information and the company information confirmation unit, the company information corresponding to the selected or input specific company information is not the registered information, the error An error information processing unit for outputting a message, and a result of checking the company information checking unit, the selected or input specific When the company information corresponding to the company information is the registered information, when the unique identification information of the company employee customer is received through the interface unit, storing the company employee customer information corresponding to the selected or input specific company information A customer information extracting unit that extracts the company employee customer information corresponding to the unique identification information of the company employee customer from the media, and the salary (or salary), the number of years, and the rank of the company employee using the company employee customer information. A loan amount and interest rate checking unit for identifying or extracting a loan amount and a loan rate corresponding to the company employee's customer information, in association with a storage medium storing preset loan amount information in accordance with one or more conditions; Based on the loan amount and interest rate information confirmed through the loan amount and interest rate confirmation unit, the loan A loan and a processing unit for performing a process corresponding to the loan.

According to the present invention, upon loan application of a company employee customer, the customer is authenticated using the unique identification information and / or company information of the loan application customer, and the loan amount is confirmed or based on the customer information of the authenticated customer. By processing the loan application of the customer by extracting or calculating, there is an advantage that the customer can be provided services such as loan more easily through company information and / or employee code (personal identification information).

In addition, the hill company has the advantage that can provide a high quality financial services to employees in connection with the financial company, to increase the trust of the company of employees.

In addition, financial institutions can obtain personal (credit) information from the client's company to more accurately evaluate the credit rating of the customer, and can secure more customers by providing an easy interface to financial transactions such as loans. There is an advantage.

1 is a simple functional configuration of a loan processing system according to a preferred embodiment of the present invention.
2 is a simplified block diagram of a data file 1 included in an information storage medium according to a preferred embodiment of the present invention.
3 is an exemplary view of a predetermined web page screen for loan application according to a preferred embodiment of the present invention.
4 is a simplified block diagram of a data file 2 provided in an information storage medium according to a preferred embodiment of the present invention.
5 is a simplified block diagram of a data file 3 provided in an information storage medium according to a preferred embodiment of the present invention.
6 is a simple flowchart of a loan processing process according to a preferred embodiment of the present invention.
7 is a simplified functional block diagram of a loan processing system according to another preferred embodiment of the present invention.
8 is a simple flowchart of a loan processing process according to another preferred embodiment of the present invention.

Hereinafter, a loan processing system and a method according to the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to components illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In addition, in describing the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a simplified functional configuration of a loan processing system according to a preferred embodiment of the present invention.

Figure 1 is a simple embodiment of the loan processing system according to the present invention, the loan processing system shown in the company information and transmits the unique identification information to the server 100 on the network, and serves in the company applying for a predetermined loan In connection with the employee customer client terminal 170 and the client terminal 9170, the company information and the unique identification information are received, and the company employee customer information corresponding to the received company information and the unique identification information in a predetermined storage medium. After extraction from 105, the server 100 for identifying or extracting or calculating the loan amount corresponding to the extracted customer information to perform a loan process corresponding to the loan application.

In addition, the present embodiment relates to a case where a storage medium 105 that stores predetermined information required for loan processing of an employee customer client according to the present invention is located in the server 100 on the loan processing system. The location of the storage medium 105 is not limited to the present embodiment, and the storage medium 105 is provided in the server 100 or may be provided in the company.

Here, the storage medium 105 is a company employee identification information data file for storing the unique identification information of the company employees, a company employee information data file for storing the company employee information corresponding to the company employee identification information and the company employees A loan information data file for storing loan related information that can be provided and / or provided may be stored. For the data file provided in the storage medium 105 through FIGS. 2, 4, and 5 below. It will be described in more detail.

Referring to FIG. 1, the illustrated server 100 includes a bank company 100 including a bank server 100 or a card company server 100, a VAN company server 100, a mobile communication company server 100, It may be specified that the server 100 and the like on the network.

More specifically, the server 100 receives the company information and the unique identification information from the client terminal 170 in conjunction with the company employee customer client terminal 170 connected to the server 100 for loan application The customer information extraction unit 115 for extracting the company employee customer information corresponding to the company information and the unique identification information received through the interface unit 160 and the interface unit 160 from a predetermined storage medium 105 And a loan amount check unit 130 for checking, extracting or calculating a loan amount corresponding to the customer information extracted through the customer information extracting unit 115 and the loan amount confirmed through the loan amount checking unit 130. Based on the information, it may be configured to include a loan processing unit 135 for performing a loan processing corresponding to the loan application.

Here, the interface unit 160 interoperates with the company employee customer client terminal 170 to perform a predetermined login procedure and / or input a predetermined customer identification information input window to the company employee customer client terminal 170 ( Or a web page) and select a specific company in the company selection window (or web page) in the company employee customer client terminal 170 or provide specific company information in the company information input window (or web page). If input, it is characterized in that for receiving.

Here, when the server 100 has given the predetermined ID (ID) and password previously provided to the company employee customer, the company employee customer client terminal 170 is the server 100 When connected to, the login process using the ID and password may be performed.

For example, the company employee customer client connected to the server 100 for the loan application through the customer identification information input window (or web page) provided to the client terminal 170, the employee number (code) or resident registration number, etc. By inputting, it is possible to more simply apply for company employee customer client certification and loan application.

In addition, when the server 100 is a financial company server 100 such as a bank or a card company, the login procedure may be performed based on the official certificate of the customer provided in the company employee customer client terminal 170. Please specify.

In addition, when the server 100 enters into a predetermined agreement with respect to the loan according to the present invention at least one or more companies, the interface unit 160 generates a webpage including the loanable company information and the like. By providing to the company employee customer client terminal 170 connected to (100), it is possible to provide an interface that allows the client to enter or select company information more conveniently.

In addition, the interface unit 160 receives the company information and the unique identification information from the client terminal 170, in conjunction with the company employee customer client terminal 170 connected to the server 100 for loan application In the process of processing the loan application, the client terminal 170 may further receive at least one or more loan related option information required for the loan according to the present invention.

The loan-related option information may include loan-related condition information including at least one or more loan repayment conditions, payroll debit conditions, collateral setting conditions, and the like.

In addition, the customer information extracting unit 115 has the company information input window (or web page) and / or the customer identification information input window (or web page) to the server 100 through the interface unit 160. The company information and the unique identification information input through the company information input window (or web page) and / or the customer identification information input window (or web page) are received after being transmitted to the connected company employee customer client terminal 170. If so, the company employee customer information corresponding to the unique identification information received from the client client terminal 170 is extracted from a predetermined storage medium 105.

For example, when the employee number (eg, “96022720”) of the company employee is input as the unique identification information from the company employee customer client terminal 170, the customer information extracting unit 115 enters the input “96022720”. The customer information corresponding to the data is extracted to the storage medium 105.

Here, the customer information extracted from the storage medium 105 in response to the unique identification information is the personal information of the customer (for example, the name information of employees of the company, social security number information, address information, communication means information, proprietary asset information, etc.). ) And / or employee information (e.g., salary (or salary) information of the company's employees, years of employment information, position information, national pension expenditure information, etc.) and / or salary transfer financial account information of the company employees have.

In addition, when the storage medium 105 is provided in the company, the customer information extracting unit 115 may interwork with the storage medium 105 provided in the company to correspond to the unique identification information of the employee of the company employee. The company employee customer information can be extracted.

The loan amount checking unit 130 confirms or extracts or calculates a loan amount corresponding to the customer information extracted through the customer information extracting unit 115, wherein the loan amount corresponding to the specific customer information is predetermined. If there is, the customer information extracting unit 115 is preset based on the customer information extracted by the customer information extracting unit 115 (eg, the salary (or salary) of the company employee and / or the number of working years and / or rank). Loan amount included in the loan amount information, etc.).

On the other hand, if there is no predetermined loan amount corresponding to the specific customer information, the loan amount confirmation unit 130 is the personal credit evaluation execution unit 125 and / or loanable amount of the server 100 described below The loan amount corresponding to the customer information may be calculated in conjunction with the information calculating unit 140 and / or the loan rate checking unit 150 and / or the loan rate information calculating unit 145 and / or the loan rate adjusting unit 155. Can be.

Referring to FIG. 1, as described above, the server 100 includes a personal credit evaluation execution unit 125, a loanable amount information calculating unit 140, and a loan rate checking unit required for calculating a loan amount. And a loan rate information calculating unit 145, a loan rate adjusting unit 155, and the like.

Preferably, the personal credit evaluation execution unit 125 extracts the customer information corresponding to the loan request company employee customer client from the storage medium 105 through the customer information extraction unit 115, the extracted customer Using the information, it is characterized by performing a predetermined credit evaluation tool (Tool) to perform a personal credit evaluation of the company employee customer client for another loan to the present invention.

Here, in order for the personal credit evaluation tool to be executed by the personal credit evaluation execution unit 125, the server 100 may include at least one or more execution parameters for executing the personal credit evaluation tool. Commands, arithmetic expressions, algorithms, and the like, and the personal credit evaluation tool includes a customer value extracted by the customer information extracting unit 115 and / or a predetermined factor value corresponding to the customer information. (For example, a value set to correspond to specific customer information, etc.) may be applied.

For example, the customer information required for the execution of the personal credit evaluation tool (Tool) may include personal information including at least one or more name information, social security number information, address information, communication means information, property information of the employees of the company employee, And / or employee information including at least one salary (or salary) information, years of employment, position information, national pension expenditure information, and / or salary transfer financial account information of the employees of the company's employees. It may include.

In addition, the customer information applied to the personal credit evaluation tool (Tool), the server 100 is already held, and / or provided by the company, and / or from another credit provider, and / Alternatively, the company's employees can be provided from the client, age information, marital status information, the number of children, other dependent family information, recent director status information, housing ownership information, dual income couple information, total monthly income information, number of excellent reply information , Other income information, bank account type information, car security information, car type information, real estate ownership information, past maximum credit amount information, credit inquiry information, inquiry result bad information information, inquiry result information, etc. Customer information including at least one or more may be added.

In addition, when the personal credit evaluation tool of the personal credit evaluation execution unit 125 is executed based on a predetermined factor value corresponding to the customer information and / or the customer information, Accordingly, the results of the personal credit evaluation of the company's employees, clients, and clients who requested the loan may be provided in numerical (e.g., personal credit score, etc.) and / or letters (e.g., personal credit ratings ("A +", "A0", "A-"). , ...), etc.).

The loanable amount information calculating unit 140 of the server 100 executes the personal credit evaluation tool when the personal credit evaluation tool is executed through the personal credit evaluation execution unit 125. According to, characterized in that for calculating the loanable amount information corresponding to the customer information.

Here, if the result of the execution of the personal credit evaluation tool (Tool), if the personal credit (grade or rating) of the loan application company employee customer client is derived as "A0", the loan amount amount information calculation unit 140 is derived The loan amount information corresponding to the personal credit (“A0”) of the company's employees, clients and clients is calculated.

For example, if the loanable amount information for each personal credit is pre-stored in the storage medium 105 or the like, the loanable amount information calculating unit 140 loans corresponding to the personal credit derived through the personal credit evaluation tool. Possible amount information can be confirmed or extracted from the storage medium 105.

Alternatively, the loanable amount information calculating unit 140 through the predetermined loan amount calculation formula that includes the personal credit information as one input factor, the loanable amount information of the employee customer client of the loan application company It can be calculated that

Here, the input factor included in the loanable amount calculation formula includes the personal credit information, and the loan details (for example, information about the amount of money previously borrowed by the client and whether the loan is repaid or delinquent). It may be further included.

The loan rate information calculating unit 145 of the server 100 executes the personal credit evaluation tool through the personal credit evaluation execution unit 125, and the execution result of the personal credit evaluation tool is derived. If so, the loan interest rate information corresponding to the customer information of the customer of the loan application company employee client according to the derived personal credit is characterized in that it is calculated.

For example, in accordance with the promotion, and / or salary (or salary) adjustment, and / or asset increase, or the promotion, and / or salary (or salary) adjustment, and / or asset increase, etc. According to the change in the personal credit of the client, the loan rate information calculating unit 145 may calculate variable loan rate information for the client.

The loan rate checking unit 150 of the server 100 is linked with a storage medium 105 that stores loan interest rate information set in advance according to the salary (or salary) and / or working years and / or rank of the company's employees. It is characterized in that for checking or extracting the loan rate corresponding to the customer information.

Loan rate adjustment unit 155 of the server 100 is the interface unit 160 in conjunction with the company employee customer client terminal 170, the loan-related option information (eg, loan repayment conditions, payroll transfer conditions, collateral) When the loan-related condition information including at least one set condition or the like) is received, the loan rate is adjusted according to the received loan-related option information.

For example, if the loan repayment period is short, and / or the payroll debit is selected, and / or the predetermined mortgage is set, the loan interest rate may be adjusted in favor of the loan application client client.

In addition, referring to Figure 1, the server 100 is provided to the company employee customer client terminal 170 through the interface of the server 100, when the loan application of the company employee customer client in accordance with the present invention In the company selection window (or web page) or the company information input window (or web page) of the specific company information is selected or input from the company employee customer client terminal 170 is received by the server 100, the selection Alternatively, the display unit 110 may further include a company information checking unit 110 for checking whether the company information corresponding to the input specific company information is pre-registered information.

In addition, the company information check unit 110 is linked to the storage medium 105 is stored in the company information available for loan to the company employees customers, the specific company information is selected or inputted to the storage medium 105 It is characterized by checking whether it matches the stored information.

In addition, the company information confirming unit 110 confirms whether the selected or inputted specific company is a company with which the contract has been concluded, when a loan related agreement between the lender and the company is concluded. It features.

In addition, the server 100 checks that the company information corresponding to the selected or inputted specific company information as a result of the company information check unit 110 is not registered information, or the selected or inputted specific company If the information does not match the information previously stored in the storage medium 105, or if the selected or entered specific company is not a company that has already entered into a contract (or the contract period expires, etc.), a predetermined error message is displayed. It may be configured to further include an error information processing unit 120 to output.

According to the present invention, the loan processing unit 135 of the server 100 checks the loan amount information when the loan amount available to the loan application company employee customer client is confirmed through the loan amount checking unit 130. On the basis, characterized in that for performing the loan processing corresponding to the loan application.

For example, the loan processing unit 135 may transfer the loan requested amount to the loan payment account requested by the loan application company employee customer client or the payroll account of the client and provide the loan.

On the other hand, the server 100 is characterized in that it comprises a computer-readable recording medium, characterized in that for recording the program for executing each function of the server 100 by a computer.

Here, the recording medium is provided in the financial company server 100 including the bank server 100 or the card company server 100, or in the VAN company server 100 or the mobile communication company server 100 or the server 100 on the network. Characterized in that it is provided.

2 is a simplified block diagram of a data file 1 included in the information storage medium 105 according to the preferred embodiment of the present invention.

2 is for the company employee identification information data file provided in the storage medium 105 of FIG. 1, wherein the company employee identification information data file stores unique identification information of the company employee. The unique identification information of the company employee stored in the company employee identification information data file is the company employee customer client in the process of applying for a predetermined loan by accessing the server 100 according to the present invention, the company employee customer It is characterized in that the information required to authenticate the client and / or the company employee customer client company.

According to a preferred embodiment of the present invention, when the company employee customer client connects to the server 100 through a predetermined terminal (eg, personal computer, ATM, etc.) for the loan application, the server 100 In order to authenticate the company of the company employee customer client and / or the company employee customer client, a predetermined company selection window (or web page) or company information input window (or web page) is displayed. In this case, the company employee customer client selects its own company through the provided company selection window (or web page) or company information input window (or web page), or company information ( For example, a company name, a company code, etc. may be input.

Here, the company information selected or input through the company selection window (or web page) or the company information input window (or web page) is employee number (or code) information of the company employee, the employee owned by the company employee Member information including information stored on a card, official certificate information of the company employee, a user account (ID) and password of the company employee registered in the server 100, a social security number of the company employee, and / or a name, and At least one personal information including a driver's license number and / or a health insurance number, a fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, DNA (Deoxyribo Nucleic Acid) of the company employee Wireless terminal information, including the biological information, including the telephone number and / or terminal serial number for the wireless terminal owned by the company employee, the company IC chip mounted on or detached from a wireless terminal owned by an employee, or customer specific information owned and stored on an IC chip owned by a specific company employee, an IC chip mounted or detached from a wireless terminal owned by an employee of the company, or It may be a serial number and / or unique code of the IC card owned by the company employees.

Preferably, the company information is predetermined company employee identification information for the server 100 to more conveniently and conveniently perform the loan application company employee customer client personal authentication and company authentication, the company employee identification information is shown in this figure As shown, the company employee is characterized in that the information stored in the data file.

3 is an exemplary view of a predetermined web page screen for loan application according to a preferred embodiment of the present invention.

3 is a company selection window (or web page) or company information input window (or web page) provided to the loan application company employee customer client terminal 170 connected to the server 100 for loan application according to the present invention. As an example, as shown in FIG. 3, the loan application customer is previously loaned through the company selection window (or web page) or the company information input window (or web page) provided from the server 100. It is possible to omit the input of complicated personal information, etc., which had to be entered for the application, and to easily create loan application data for the desired loan amount through selection or input of company information and input of employee code.

For example, when a loan application company employee customer accessing the server 100 selects or inputs company information and employee code, the storage medium 105 (the server 100 or the storage medium located in the company as shown in the drawing) 105)) information stored in the customer is output, the employee of the loan application company customers can select or input only the loan amount, loan-related option information, and the like.

In addition, Figure 3 is a web page embodiment presented to help the understanding of the present invention, and is not limited to those shown in this figure, in the implementation of the present invention by those skilled in the art, shown without departing from the spirit of the present invention The selected company selection window (or web page) or the company information input window (or web page) indicates that the contents can be sufficiently modified, deleted, or changed.

For example, in the drawing, a company selection window (or web page) or a company information input window (or web page) and a personal identification information input window (or web page) are illustrated, including the company selection window (or web page) or The company information input window (or web page) and the personal identification information input window (or web page) may be provided separately (or sequentially) to the client terminal 170.

4 is a simplified block diagram of a data file 2 included in the information storage medium 105 according to the preferred embodiment of the present invention.

4 is for the company employee information data file provided in the storage medium 105 of FIG. 1 described above, and the company employee information data file corresponds to the company employee identification information data file of FIG. Store the company employee information corresponding to the company employee identification information.

The unique information of the company employees stored in the company employee information data file shown in FIG. 4 is in the process of requesting a loan application by a company employee customer client accessing the server 100 according to the present invention. Through the company employee identification information data file of 2, after the loan application company employee customer client authentication and the client company authentication process is performed, characterized in that the information required in the loan processing process according to the present invention.

Referring to FIG. 4, the unique information of the company employees stored in the company employee information data file includes personal information including at least one of name information, social security number information, address information, communication means information, and proprietary asset information of the company employees. At least one or more of employee information including at least one salary (or salary) information, years of employment information, rank information, national pension expenditure information, and salary transfer financial account information of the company employees; It is characterized by comprising.

According to a preferred embodiment of the present invention, the unique information of the company employee stored in the company employee information data file, the server 100 calculates the loanable amount information and / or loan rate of the loan application client, and The server 100 may be used as an input factor for executing a predetermined credit evaluation tool.

5 is a simplified block diagram of a data file 3 included in the information storage medium 105 according to the preferred embodiment of the present invention.

5 is for the loan information data file provided in the storage medium 105 of FIG. 1 described above, wherein the loan information data file shown is the company employee identification information data file of FIG. 2 and / or the company employee of FIG. 4. It is characterized in that it is provided in association with the information data file.

The loan information data file may be stored in the financial company server 100 including the bank server 100 or the card company server 100 and / or the server 100 on the network when the storage medium 105 is located. It is characterized by storing the loan related information that can be provided to and / or provided to.

Referring to FIG. 5, loan information stored in the loan information data file includes client information, loan date information, loan interest rate information, loan amount information, and loan repayment provided with a predetermined loan from the server 100 according to the present invention. It may include condition information, payroll debit information and collateral setting information.

6 is a simple flowchart of a loan processing process according to a preferred embodiment of the present invention.

Figure 6 is a preferred implementation process for the loan processing process according to the loan application of the company employee customer, but not described in this drawing, the server 100 and the server 100 described in this embodiment are connected to the loan application It is preferable that a company of a company employee customer client who enters into a predetermined agreement for loan processing according to the present invention.

In addition, the storage medium 105 provided in the server 100 is preferably stored in association with the company employee identification information, company employee information and loan information provided from the company and / or the company employee client.

Referring to FIG. 6, the illustrated embodiment may be started from a process in which a company employee customer client accesses the server 100 through a predetermined terminal for loan application (600).

Then, the interface unit 160 of the server 100 is the loan application company employee customer client terminal 170, the company selection window (or web page) or the company information input window (or web page) as shown in FIG. Transmit (605). At this time, the loan application company employee customer client may select or input his company information through the company selection window (or web page) or the company information input window (or web page) transmitted to the terminal.

The interface unit 160 of the server 100 receives specific company selection information or specific company information selected or input by the loan applying company employee client from the loan applying company employee customer client terminal 170 (610), The company information checking unit 110 of the server 100 checks whether the company information corresponding to the specific company information received through the interface is present in the storage medium 105 in cooperation with the storage medium 105 (615). ).

If, as a result of the confirmation of the company information check unit 110, the company information matching the selected or input specific company information is not stored in the storage medium 105, or the selected or inputted specific company If it is determined that the contract is not a company (620), the error information processing unit 120 of the server 100 generates a loan application error message and transmits it to the client terminal 170 (625).

However, as a result of confirming the company information checking unit 110, if the company information corresponding to the selected or input specific company information exists in the storage medium 105 (630), the interface unit of the server 100 ( In operation 635, the client terminal 170 transmits a customer identification information input window (or a web page) for personal loan authentication of an employee of a loan company.

When the loan application company employee customer client inputs the customer identification information such as the employee number through the customer identification information input window (or web page) transmitted to the client terminal 170, the interface unit 160 is the client Receiving the input customer identification information from the terminal 170 (640), the customer information extraction unit 115 of the server 100 is linked to the storage medium 105 corresponding to the received customer identification information The customer information is retrieved (645).

Preferably, the customer identification information is information capable of personal authentication of the company employee customer client, for example, employee number (or code) information of the company employee customer, or information stored in an employee card owned by the company employee customer. Or member information including official certificate information of the company employee customer, or a user account (ID) and password of the company employee customer registered in the server 100, or a resident registration number of the company employee customer, and / or a name. And / or personal information including a driver's license number, and / or health insurance number.

In another example, the customer identification information may be biometric information including at least one of fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, DNA (Deoxyribo Nucleic Acid) of the company employee customer. Can be.

In another example, the customer identification information may be stored in wireless terminal information including a phone number and / or terminal serial number of a wireless terminal owned by the company employee customer or a wireless terminal owned by the company employee customer. IC chips mounted or demounted or IC chips mounted or demounted on wireless terminals owned by the company employee's customer and stored in the IC chip or owned by the company employee's customer, or IC owned by the company's employee customer It may be the card's serial number and / or unique code.

If the customer information extracting unit 115 of the server 100 searches for the customer information corresponding to the input customer identification information in cooperation with the storage medium 105, if the corresponding customer information is not retrieved (650) ), The error information processing unit 120 of the server 100 may generate a loan application error message and transmit it to the client terminal 170.

On the other hand, if the customer information corresponding to the input customer identification information is retrieved to the storage medium 105 is searched (655), the customer information extracting unit 115 stores the customer information corresponding to the customer identification information on the storage medium. Extracted from 105 (660).

When the customer information corresponding to the customer identification information is extracted from the storage medium 105 through the customer information extraction unit 115, the personal credit evaluation execution unit 125 of the server 100 may extract the extracted customer information. Using a personal credit evaluation (Tool) by using, to derive the personal credit information of the employees, employees, clients, clients of the loan application company (665).

The loanable amount information calculating unit 140 and / or the loan rate information calculating unit 145 of the server 100 confirm (or extract) the loanable amount and / or loan rate based on the derived personal credit information. Or 670), the loan processing unit 135 of the server 100 confirms (or extracts or calculates) the loanable amount information calculating unit 140 and / or the loan rate information calculating unit 145. According to the loan amount and / or loan interest rate, the loan is applied to the employee of the loan application company (675).

7 is a simplified functional block diagram of a loan processing system according to another preferred embodiment of the present invention.

Figure 7 is a simple configuration of a loan processing system according to another embodiment of the present invention, the loan processing system shown is a storage medium 105 is stored in the company employee customer information is the company server (165) (100) Characterized in that provided.

The loan processing system according to the present embodiment transmits the company information and the user's unique identification information to the server 100 on the network, and the employee customer client terminal 170 and the client terminal 170 in the company applying for a predetermined loan. ), The company information and the unique identification information is received, the company employee customer information corresponding to the received company information and the unique identification information to the company server (165) (100) of the employee customer to receive and receive And a server 100 which checks, extracts or calculates a loan amount corresponding to the customer information provided from the company server 165 and 100 to perform a loan process corresponding to the loan application.

In addition, the loan processing system extracts the company employee customer information corresponding to the company information and the unique identification information provided by the server 100 from the predetermined storage medium 105 at the request of the server 100. It may be configured to further include a company server (165) (100) for providing the extracted customer information to the server (100).

8 is a simple flowchart of a loan processing process according to another preferred embodiment of the present invention.

Figure 8 is a preferred embodiment of the loan processing process according to the loan application of the company employee customer, although not described in this drawing, the server 100 and the server 100 described in the present embodiment is connected to the loan It is preferable that the company of the company employee customer client who makes an application enter into a predetermined agreement for loan processing according to the present invention.

Referring to FIG. 8, in the illustrated embodiment, when a company employee customer client accesses the server 100 through a predetermined terminal for loan application, the interface unit 160 of the server 100 provides the loan application company. It may be started from the process of transmitting the company selection window (or web page) or the company information input window (or web page) as shown in FIG. 3 to the employee customer client terminal 170 (800).

Here, the loan application company employee customer client selects or enters his company information through the company selection window (or web page) or the company information input window (or web page) transmitted to the terminal, the server ( The interface unit 160 of the 100 receives the specific company selection information or the specific company information selected or input by the loan application company employee client client 170 from the loan application company employee customer client terminal 805, and the server ( The company information confirming unit 110 of 100 determines whether the company information corresponding to the specific company information received through the interface is present in the database in association with the storage medium 105 (810).

If, as a result of the confirmation of the company information check unit 110, the company information matching the selected or input specific company information is not confirmed (815), the error information processing unit 120 of the server 100 is loaned The application error message is generated and transmitted to the client terminal 170 (820).

On the other hand, if the company information corresponding to the selected or input specific company information is confirmed through the company information check unit 110 (825), the interface unit 160 of the server 100 is the client terminal 170 In step 830, the loan application company employee customer client input window (or web page) for personal authentication of the client.

Then, the loan application company employee customer client inputs the customer identification information such as employee number through the customer identification information input window (or web page) sent to the client terminal 170, the interface of the server 100 The unit 160 receives the input customer identification information from the client terminal 170 (835).

Here, the customer identification information is information capable of personal authentication of the company employee customer client, for example, employee number (or code) information of the company employee customer, or information stored in an employee card owned by the company employee customer, Or member information including official certificate information of the company employee customer, or a user account (ID) and password of the company employee customer registered in the server 100, or a resident registration number and / or name of the company employee customer, And / or personal information, including a driver's license number, and / or a health insurance number.

In another example, the customer identification information may be biometric information including at least one of fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, DNA (Deoxyribo Nucleic Acid) of the company employee customer. Can be.

In another example, the customer identification information may be stored in wireless terminal information including a phone number and / or terminal serial number of a wireless terminal owned by the company employee customer or a wireless terminal owned by the company employee customer. IC chips mounted or demounted or IC chips mounted or demounted on wireless terminals owned by the company employee's customer and stored in the IC chip or owned by the company employee's customer, or IC owned by the company's employee customer It may be the card's serial number and / or unique code.

When the customer identification information is received through the interface unit 160, the customer information extracting unit 115 of the server 100 is the company server based on the company information confirmed through the company information checking unit 110 In operation 840, customer information corresponding to the received customer identification information is requested.

Then, the company server 100 searches for customer information corresponding to the customer identification information requested by the server 100 in association with the storage medium 105 (845), and the customer information corresponding to the requested customer identification information. As a result of the search, if the corresponding customer information is not searched (850), the search error history is transmitted to the server 100, the error information processing unit 120 of the server 100 generates a loan application error message Transmit to the client terminal 170.

On the other hand, if the customer information corresponding to the input customer identification information is retrieved to the storage medium 105 is searched (855), the company server 165, 100 is to retrieve the retrieved customer information from the storage medium 105 Extracting (860) and transmitting the extracted customer information to the server (100) (865).

When the customer information extracted corresponding to the customer identification information is received from the company server 165 and 100, the personal credit evaluation execution unit 125 of the server 100 uses the extracted customer information to obtain personal credit. An evaluation tool is executed to derive personal credit information of the employee, client, or client of the loan application company (870).

The loanable amount information calculating unit 140 and / or the loan rate information calculating unit 145 of the server 100 may loan based on personal credit information derived through the personal credit evaluation execution unit 125. Checking (or extracting or calculating) the amount and / or loan rate (875), the loan processing unit 135 of the server 100 is the loanable amount information calculation unit 140 and / or loan interest rate information calculation unit 145 In accordance with the loan amount and / or loan rate confirmed (or extracted or calculated) through the loan to the loan application company employee client (880).

100: server 105: storage medium
110: company information verification unit 115: customer information extraction unit
120: error information processing unit 125: personal credit evaluation execution unit
130: loan amount check unit 135: loan processing unit
140: loanable amount information calculation unit 145: loan interest rate information calculation unit
150: loan rate confirmation unit 155: loan rate adjustment unit
160: interface unit 165: company server
170: client (company employee) client terminal

Claims (1)

The company employee provides a predetermined company selection window (or web page) or company information input window (or web page) to the client client terminal, and the company employee customer client terminal selects a specific company from the company selection window (or web page). An interface unit which selects or receives specific company information in the company information input window (or a web page);
A company information checking unit checking whether the company information corresponding to the selected or input specific company information is already registered information;
An error information processing unit outputting an error message when the company information corresponding to the selected or input specific company information is not registered information, as a result of confirming the company information checking unit;
As a result of confirming the company information confirming unit, when the company information corresponding to the selected or input specific company information is pre-registered information, when the unique identification information of the employee of the company employee is received through the interface unit, the selected or entered A customer information extracting unit for extracting the company employee customer information corresponding to the unique identification information of the company employee customer from a storage medium storing company employee customer information corresponding to specific company information;
By using the company employee customer information in conjunction with a storage medium that stores information on the loan amount set in advance according to the conditions including one or more salary (or salary), the number of years, position A loan amount and interest rate checking unit for checking or extracting a loan amount and a loan rate corresponding to the information;
And a loan processing unit that performs a loan processing corresponding to the loan application on the basis of the loan amount and interest rate information confirmed through the loan amount and the interest rate confirmation unit.

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