KR20100101546A - Loan intermediate system using smart phone and method using the same as - Google Patents

Abstract

PURPOSE: A system and a method for mediating load using a smart phone are provided to enable to smart phone user to request priority about one or more loaning condition when a smart phone user applies a loaning service. CONSTITUTION: A loan mediating server(300) receives, stores and manages information about loaning product including one or more loaning condition. A DB(400) stores loaning information of a smart phone user, loaning product information of financial facilities, and loaning condition more than one. At least one financial facility server(500) transmits the loaning product information to the loaning mediating server. At least one authentication facility server(600) authenticates an ID and a password for checking identify of a smart phone user who desires loaning service.

Description

Loan Intermediate System Using Smart Phone and Method using the Same as}

The present invention relates to a loan brokerage system and method using a smart phone, and more particularly, when a smart phone user receives a loan service using a loan brokerage application, the consumer receives loan product information closest to a desired loan condition. It relates to a loan brokerage system and method using a smart phone that can.

Currently, banks, capital, savings banks and private finance and loans companies sell a wide range of loan products.

Currently, the way of purchasing loan products has been carried out by the consumer who wants to borrow the loan, the employee of the financial institution visits the consumer, or by using a terminal such as a telephone, a fax or a computer.

This loan method should check the details of loan products and terms of sale that are directly handled by the financial institution, and could be implemented in an environment where a person meets a person or is provided with a telephone line or a wired / wireless internet network.

Korean Patent Laid-Open No. 2001-0095858 discloses a mobile Internet loan service system and method thereof.

Korean Patent Laid-Open No. 2001-0095858 discloses a loan by accessing a server of a corresponding financial institution via a server of a mobile communication company while a user of a mobile communication terminal desiring a loan service has previously checked a loan product and a financial institution handling the same. A method of applying for the disclosure has been disclosed.

However, the user of the mobile communication terminal must check the lending conditions of the loan products of a plurality of financial institutions, and must determine which loan products are suitable for the loan situation and the purpose of the loan.

In addition, the mobile Internet loan service disclosed in Korean Patent Laid-Open No. 2001-0095858 is not only available to subscribers of a mobile communication company connected to a server of a financial institution, but is a loan product corresponding to a loan condition desired by a subscriber of a mobile communication terminal. There was a problem that can not know in advance. Therefore, the user of the mobile terminal was forced to accept loan conditions that he did not want.

In addition, Korean Patent Publication No. 10-2010-0000080 discloses a system and method for providing a mobile loan service.

Korean Patent Laid-Open Publication No. 10-2010-0000080 discloses a method in which a user of a mobile terminal accesses a server of a specific loan company through a wireless Internet network to apply for a mobile loan service.

However, the user of the mobile communication terminal must check the lending conditions of the loan products of many financial institutions, and must determine which loan products are suitable for the loan situation and the purpose of the loan.

In addition, the mobile loan service disclosed in Korean Patent Laid-Open Publication No. 10-2010-0000080 is not only available to subscribers of a mobile communication company connected to a server of a financial institution, but also whether a loan product corresponding to a loan condition desired by a subscriber of a mobile terminal. There was an unknown problem. Therefore, the user of the mobile terminal was forced to accept loan conditions that he did not want.

The present invention has been proposed in order to solve the problems of the prior art described above, an object of the present invention is that when a smart phone user who can run a loan intermediary application to apply for a loan service, the smart phone user to one or more loan conditions It is to provide a loan brokerage system and method using a smartphone that can request a priority for.

Another object of the present invention is to refer to the smart phone user's credit rating and previous loan status when the loan intermediation server periodically receives loan product information of a plurality of financial institutions request a loan service from any smartphone user To provide a loan brokerage system and method for transmitting a list of loan products corresponding to the priority of one or more loan conditions specified by the phone user to the smartphone.

In addition, another object of the present invention is to provide loan applications directly to the financial institution server from the loan brokerage server for the loan product selected by the smartphone user, if the loan service is normally processed, the loan brokerage server is a smartphone user It is to provide a loan brokerage system and method for processing a non-commission fee, and billing the financial institution a pre-defined loan brokerage fee.

Loan brokering system using a smart phone according to an embodiment of the present invention for achieving the above object, One or more smart phone (100: 100a-100n) that can be executed loan application; A smartphone OS manufacturer server 200 connected to each smartphone 100 and a wireless data communication network and programming an operating system (OS) of the smartphone 100 in which a loan intermediation application is stored; A loan intermediation server 300 connected to the smartphone 100 and a wireless data communication network and receiving and storing and managing loan product information including one or more loan conditions from a plurality of financial institution servers in real time or periodically; A database 400 connected to the loan brokerage server 300 for data communication and storing loan information of the user of the smartphone 100, loan product information of a plurality of financial institutions, and one or more loan conditions; At least one financial institution server 500 for transmitting loan product information including at least one loan condition to the loan brokerage server 300 in real time or periodically; Data communication is connected to the loan brokerage server 300, at least one or more authentication to authenticate the ID and password for verifying the identity of the smart phone user who wants a loan service in accordance with the request of the loan brokerage server 300 An institution server 600; The loan brokerage server 300 is connected to enable data communication, and determines the credit rating for the user of the smart phone 100 according to the request of the loan brokerage server 300 to determine whether the loan qualified or ineligible At least one credit institution server 700; Priority of at least one loan condition is specified when the loan service of the smart phone user is requested, and the loan intermediation server 300 obtains a list of loan products that best match the priority of the loan condition specified by the smart phone user. Make and send to the smartphone.

In addition, the loan brokering method using a smart phone according to an embodiment of the present invention, the step of any smartphone user accessing the smartphone OS manufacturer server to download a loan brokerage application; If the smartphone user uses a loan service using the loan service application, transmitting the loan application to the loan brokerage server by specifying a priority for at least one loan condition; The loan intermediation server uses the list of loan products received in real time or periodically from a plurality of financial institution servers to create a list of loan products that best match the priority for loan conditions specified by the smartphone user, and the smartphone Transmitting to; Receiving, by the corresponding smartphone user, a list of loan products transmitted from the loan brokerage server; The smart phone user selecting a desired loan product from the received loan product list and requesting a loan brokerage service to the loan brokerage server; The loan brokering server performing an official authentication procedure for verifying the identity of the borrower using a public certificate stored in the smartphone; When the authorized authentication procedure is normally processed, the loan brokering server applying for a loan to the corresponding financial company server of the loan product selected by the smartphone user; The loan brokering server includes processing the loan service to the smartphone user when the loan service is normally processed, and charging the loan brokerage fee previously agreed to the financial institution server.

According to the loan brokerage system and method using a smartphone according to the present invention, when a smartphone user applies for a loan service through a loan brokerage application, the smartphone user directly assigns a priority to one or more loan conditions, You can apply for services.

At this time, the loan brokerage server stores and manages various loan product information and loan conditions received from servers of a plurality of financial institutions, and when any smartphone user requests a loan service, one or more loan conditions specified by the smartphone user The most similar loan product information is sent to the smartphone.

Accordingly, a smart phone user who wants to receive a loan can receive reliable loan product information that satisfies the loan condition that he / she most wants and quickly determine whether the loan is in progress.

In this case, when the smartphone user selects a specific loan product and requests a loan brokerage service, the loan brokerage server applies for a loan directly to the corresponding financial institution server, and when the loan service is normally processed, the loan brokerage server is a smartphone. The user is treated as a surcharge and charges a loan brokerage fee that has been previously committed to the financial institution.

Therefore, smart phone users can get the loan service in the best condition through the loan products that best meet the loan conditions that they want without additional loan intermediation costs, and each financial institution's business activities to sell the loan products You can sell your loan effectively without having to.

In addition, the smart phone user can simplify the loan process using the authorized certificate stored in the smart phone, and can use the loan brokerage service anytime, anywhere using a portable smart phone.

1 is a block diagram of a loan brokerage system using a smart phone according to an embodiment of the present invention.
2 is a control flowchart illustrating a loan brokering procedure using a smart phone according to an exemplary embodiment of the present invention.
Figure 3 is a view showing a screen of the smartphone for explaining the priority item of the loan condition when creating a loan application using the smartphone shown in FIG.

Hereinafter, the configuration of a loan brokerage system using a smartphone and a loan brokering procedure using a smartphone according to an embodiment of the present invention will be described in detail.

1 is a block diagram of a loan brokerage system using a smart phone according to an embodiment of the present invention. Referring to Figure 1, the loan brokerage system using a smart phone of the present invention, one or more smartphones (100: 100a-100n) that can run a loan brokerage application, each smartphone 100 and a wireless data communication network It is connected to the smartphone, the operating system (OS: Operating System) of the smart phone 100, the loan intermediary application is stored, and connected to the smartphone OS manufacturer server 200, the smartphone 100 and a wireless data communication network, Loan brokerage server 300 for receiving and storing and managing loan product information including one or more loan conditions from a plurality of financial institution servers in real time or periodically, and is connected to enable data communication with the loan brokerage server 300, A database 400 that stores loan information of the user of the smartphone 100, loan product information of a plurality of financial institutions, and one or more loan conditions; At least one financial institution server 500 that periodically transmits product information and one or more loan conditions to the loan brokering server 300 is connected to the loan brokering server 300 to enable data communication, and the loan brokering server 300. At least one certificate authority server 600 for authenticating an ID and password for verifying the identity of a smart phone user who wants a loan service in response to a request of l), is connected to the loan brokerage server 300 to enable data communication, At least one credit institution server 700 for determining whether the loan qualified or ineligible by determining the credit rating for the user of the smart phone 100 according to the loan brokerage server 300.

The smart phone shown in FIG. 1 is an intelligent mobile phone that adds a computer support function to the mobile phone, and faithfully to the mobile phone function, the PDA function, the Internet function, the remote control function, and the like are partially added. Equipped with a more convenient interface. With the support of the wireless Internet function, it is connected to the Internet and a computer, and functions as a terminal such as e-mail, web browsing, fax, banking, and games. It may be equipped with a standardized or dedicated operating system (OS) to accommodate various functions.

Therefore, the smartphone user may download and execute various purpose applications including the loan brokerage application from the server 200 of the OS manufacturer of the smartphone.

When a user of any smartphone 100 shown in FIG. 1 applies for a loan service using a loan brokerage application, a smartphone user directly borrows a loan amount, a loan in consideration of his loan purpose, usage plan, repayment period, etc. You can prioritize loan terms such as interest, loan processing period, and longest loan period.

Priorities can be given, for example, the lowest loan interest, the maximum loan amount two, and three loan processing periods for the loan to be processed.

Loan brokerage server 300 that receives various loan product information from a plurality of financial institution server (500: 500a-500n) in real time or periodically, the smart phone 100 users apply for loan service using a loan brokerage application In this case, the credit rating of the smart phone 100 user and the previous loan situation may be referred to, and a list of loan products that best meets the loan conditions specified by the smart phone user may be provided to the smart phone 100.

At this time, when a desired loan product is selected from the loan product list received by the corresponding smartphone 100 user to request a loan brokerage service to the loan brokerage server 300, the loan brokerage server 300 is on behalf of the smartphone user. Proceed to the loan application to the financial company server 500, if the work of the loan service is normally terminated proceeds to a fee-free fee to the smart phone user, and charges only a predetermined fee to the financial company server 500.

The certification authority server 600 shown in FIG. 1 is a server operated by Korea Information Certification or Sign Korea, and the credit institution server 700 is Korea Credit Rating (KIS), Korea Credit Rating Information (NICE), Bank Federation ( KFB) server.

Hereinafter, a loan brokering procedure using a smartphone according to an embodiment of the present invention will be described with reference to the accompanying drawings.

 1 to 3, a loan brokering procedure using a smartphone according to an embodiment of the present invention will be described.

Any user of the smart phone 100 accesses the OS manufacturer server 200 of the smart phone using the wireless Internet network and downloads a loan brokerage application (S110).

When the user of the smartphone 100 uses a loan brokerage service by executing a loan brokerage application, the user first executes a loan brokerage service icon in a menu window of the smartphone (S120).

 At this time, the screen of the smart phone loan application for entering the loan basic information of the smart phone user is displayed (S130). The loan application is provided with a screen for entering the name of the borrower, social security number, address, telephone number, mobile phone number, e-mail address, salary, work name, work address, work contact information, loan status of other financial institutions.

The smartphone user 100 fills out a loan application while entering or selecting a corresponding item of the loan application, and as shown in FIG. 3, the loan includes a loan amount, loan interest, loan processing period, longest loan period, and the like. The priority for the condition is also displayed and transmitted to the loan brokerage server 300 (S140).

In FIG. 3, the smartphone user is automatically prioritized by touching desired conditions in order of priority items of loan conditions such as loan amount, loan interest, loan processing period, and longest loan period.

For example, if a smartphone user touches loan interest, loan amount, and loan processing period, then the loan brokerage application running on the smartphone will allow the user to (1) the loan product with the lowest loan interest, and (2) the loan amount. Recognize that the highest loan product is given priority in the order of the highest loan product, and the shortest loan product to process the loan.

In addition, the smart phone user may prioritize only the necessary conditions in the priority items for loan conditions such as loan amount, loan interest, loan processing period, longest loan period.

For example, if a smartphone user has only touched the loan interest once, the loan brokerage application running on the smartphone will be able to: (1) the loan interest is the highest regardless of the loan amount, loan processing period, or longest loan period. You can recognize that you want a low list of loans.

On the other hand, the loan brokerage server 300 stores and manages a database of various loan products transmitted in real time or periodically from a plurality of financial institution server 500 (S300).

In this case, the loan intermediation server 300 may receive only one direction of the loan product information required in accordance with the business agreement with each financial institution server 500, or may inquire the necessary loan information using a two-way communication technology. .

In addition, the operator of the loan intermediation server 300 may directly input the conditions for the loan product of a specific financial institution by manual operation if necessary.

Therefore, the database 400 managed by the loan brokerage server 300 receives the loan product information transmitted in real time or periodically in one direction from the plurality of financial institution servers 500 and the result of inquiring to the specific financial institution server. The loan product information and the loan product information of a specific financial institution directly inputted by the operator manually are managed in a database.

At this time, if any smartphone 100 user prioritizes the loan condition and transmits the loan application to the loan brokerage server 300, the loan brokerage server 300 is a smartphone user described in the received loan application By sending the personal information of the credit institution server 700 to determine whether the smartphone user is a credit qualified (S150).

If the credit is ineligible, the loan intermediation server 300 notifies the smartphone user of the message that the loan is impossible (S160).

However, the loan brokerage server 300 determines the loan limit in consideration of the previous loan status when the smartphone user is a credit qualified person (S170).

If there is no loan limit, the loan intermediation server 300 notifies the smartphone user of the message indicating that the loan limit is insufficient (S180).

However, when the smartphone user is a credit qualified and there is a loan limit, the loan intermediation server 300 provides a loan specified by the smartphone user 100 with a list of loan products of a plurality of financial institutions that are stored and managed in the database 400. Arranged to correspond to the priority of the condition, edited to be easily seen by the smartphone user and transmitted to the smartphone 100 (S190).

Table 1 below shows an example of a list of loan products that the loan brokerage server transmits to a smartphone user. The product name, loan amount, loan interest rate, loan processing period, longest loan period, financial institution, product characteristics, products It is divided into guide items.

number   product name Loan amount
(Ten thousand won) Loan rate
(%) loan
Processing period Longest
Loan term Financial institutions Product Features Product Information One  Smart loan \ 2,000 7-8 1-2 days 6 months  SC first  Lowest interest rate 2  Sunshine \ 1,500 9-10 3-4 days 12 months Hyundai Capital Longest loan period 3
4
5

Therefore, the smartphone 100 user receives a list of loan products transmitted from the loan brokerage server 300 (S200).

In this case, the smartphone user selects a desired loan product from the received loan product list, executes a loan application icon, and requests a loan brokerage service of the selected loan product to the loan brokerage server 300 (S210).

Loan brokerage server 300 requests the smartphone user input of a user ID and password to verify the identity of the user using the authorized certificate stored in the smartphone (S220).

When the smartphone user inputs the corresponding user ID and password, the loan intermediation server 300 requests the certificate authority server 600 for the received authorized certificate information (S230). The certification authority server 600 performs user authentication using an authorized certificate stored in the smartphone (S240), and transmits the result of performing the user authentication to the loan intermediation server 300 (S250).

If the user authentication is successfully performed, the loan intermediation server 300 applies for a loan on behalf of the consumer to the financial institution server 500 handling the loan product selected by the smartphone user (S260).

In this case, the loan intermediation server 300 may transmit additional information requested by the financial institution or supplementary information necessary for the loan to the financial institution server 500 or may be directly transmitted to the financial institution.

When the loan brokerage server 300 normally handles the loan service of the financial institution, the smartphone user proceeds with a no-charge fee and charges the fee previously agreed to the financial institution server 500 (S270).

In addition, in the course of processing the loan brokerage service, the loan brokerage server 300 may transmit a message to the corresponding smartphone user requesting consent to execute the location checking service of the smartphone for a predetermined period of time.

If the smartphone user agrees to use the location checking service, the loan intermediation server 300 checks the location of the working hours of the smartphone user, and checks the location information of the identified smartphone user when the financial institution needs it. The server 500 may transmit the data.

Therefore, financial institutions can strengthen follow-up management for smartphone users who are lenders, thereby preventing loan financial accidents.

100a, 100n, 100: Smartphone
200: OS manufacturer server
300: Loan Brokerage Server
400: database
500a, 500n, 500: Financial institution server
600: Certificate Authority server
700: credit institution server

Claims (8)

One or more smartphones (100: 100a-100n) on which a loan brokerage application may run;
Smartphone OS manufacturers server 200 connected to each smartphone 100 and a wireless data communication network, programmed an operating system (OS: Operating System) of the smartphone 100, the loan brokerage application is stored,
A loan intermediation server 300 connected to the smartphone 100 and a wireless data communication network and receiving and storing and managing loan product information including one or more loan conditions from a plurality of financial institution servers in real time or periodically;
A database 400 connected to the loan brokerage server 300 to enable data communication, and storing loan information of the user of the smartphone 100, loan product information of a plurality of financial institutions, and one or more loan conditions;
At least one financial institution server 500 for transmitting loan product information including at least one loan condition to the loan brokerage server 300 in real time or periodically;
Data communication is connected to the loan brokerage server 300, at least one or more authentication to authenticate the ID and password for verifying the identity of the smart phone user who wants a loan service in accordance with the request of the loan brokerage server 300 Institution server 600,
The loan brokerage server 300 is connected to enable data communication, and determines the credit rating for the user of the smart phone 100 according to the request of the loan brokerage server 300 to determine whether the loan qualified or ineligible Has at least one credit institution server 700,
Priority of at least one loan condition is specified when the loan service of the smart phone user is requested, and the loan intermediation server 300 obtains a list of loan products that best match the priority of the loan condition specified by the smart phone user. Loan brokerage system using a smartphone, characterized in that for making and transmitting to the smartphone. According to claim 1, When the smartphone user selects a desired loan product from the list of received loan products, the loan brokerage server 300, the loan brokerage server 300 is the financial company that handles the selected financial product Loan brokerage system using a smartphone, characterized in that for applying for a loan to the server, if the work of the loan service is normally processed, billing the fee previously agreed to the server of the financial institution. The system of claim 1, wherein the one or more loan conditions are an optional combination of loan amount, loan interest, loan processing period, and longest loan period. The method of claim 1, wherein each loan condition means a maximum loan amount, the lowest loan interest, the shortest loan processing period, and the longest loan period for each loan. Loan Brokerage System. A loan brokering server connected to at least one smartphone and a wireless data communication network, and intermediating loan services of any smartphone user;
In the loan intermediation system using a smartphone having at least one financial institution server for transmitting one or more loan product information to the loan brokerage server,
A step in which a smartphone user accesses the smartphone OS manufacturer server to download a loan brokerage application;
When the smartphone user uses a loan service using the loan service application, transmitting the loan application to the loan brokerage server by specifying a priority for at least one loan condition;
The loan intermediation server uses the list of loan products received in real time or periodically from a plurality of financial institution servers to create a list of loan products that best match the priority for loan conditions specified by the smartphone user, and the smartphone Loan brokering method using a smartphone comprising the step of transmitting to. 6. The method of claim 5,
Receiving, by the corresponding smartphone user, a loan list transmitted from the loan brokerage server;
The smart phone user selecting a desired loan product from the received loan product list and requesting a loan brokerage service to the loan brokerage server;
The loan brokering server is to implement the authorized authentication procedure for verifying the identity of the borrower using the certificate stored in the smart phone,
If the authentication process is normally processed, the loan intermediation server to apply for a loan to the financial institution server of the loan product selected by the smartphone user,
The loan brokering server, if the business of the loan service is normally processed, the smart phone user to process a no fee, characterized in that it further comprises the step of claiming the loan brokerage fee previously agreed to the financial institution server Loan brokerage method using a smartphone. 6. The method of claim 5, wherein the one or more loan conditions are an optional combination of loan amount, loan interest, loan processing period, and longest loan period. The loan using a smartphone according to claim 5, wherein each loan condition represents a maximum loan amount, the lowest loan interest, the shortest loan processing period, and the longest loan period. Mediation method.

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