KR20110041929A - Method and apparatus for providing financial loan and collection service - Google Patents

Abstract

PURPOSE: A simple finance loan, a redemption service method and a device thereof are provided to enable a loan applicant to save time by enabling a loan applicant to freely receive a loan regardless of a place using a mobile device. CONSTITUTION: A loan item processor(202) generates and provides loaning items. A loan application possibility processor(208) determines whether application of a loan is available or not and requests loan application. A user authentication processor(212) provides information about at least one credit card and requests authentication. If registration of the account number is identified, application breakdown and deposit request processor(218) generates application history related to loaning amount. The application breakdown and deposit request processor processes to deposit or not by requesting applying deposit.

Description

Simple financial loan and repayment service method, and apparatus {Method and Apparatus for Providing Financial Loan And Collection Service}

The present invention relates to a simple financial loan and repayment service method using a mobile device, and a device, and more particularly, a simple financial loan and repayment service method to replace a credit card and a cash service so that a simple loan can be made with a mobile device. , And devices.

With the rapid development of information technology in the 21st century, the Internet is now regarded as a means of fundamentally changing the paradigm of the new economy for everyone. Currently, the public is receiving various services on the Internet through terminals such as televisions and mobile phones as well as computers. You can buy the products you want without visiting department stores or malls, and you can trade stocks without going through the store.

Furthermore, today, the Internet is not limited to commodity trading, information provision, and commercial advertising, but is increasingly being developed to provide netizens with a wide range of services across industries, such as healthcare and financial services. have.

In this regard, the financial industry typically provides loan services, account transfers, and insurance services through the Internet as part of providing convenience for customers as the Internet spreads and develops.

By the way, the conventional loan service based on the wire can be loaned only where the Internet is available, and when the amount of the loan is a small amount, the process may feel quite troublesome to the loan applicants.

An embodiment of the present invention has been made to improve such a problem, the object of the present invention is to provide a simple financial loan and repayment service method, and apparatus, which can be freely and conveniently received anywhere by using a mobile device that is currently common to many people In providing.

Simple financial loan service apparatus according to an embodiment of the present invention for achieving this object comprises a loan item processing unit for generating and providing a loan item including at least one item, loan possible inquiry, loan product guide and loan application; A first terms processing unit for generating and providing a first terms related to the consultation of whether or not the loan is possible according to the selection of the borrowable inquiry, and determining whether to agree with the provided first terms; Upon confirmation of the first terms and conditions, the identity verification and loan availability processing unit for requesting confirmation of his or her authenticity and processing and determining whether the loan is possible; A loan application processing unit for determining whether to apply for a loan and requesting a loan application according to the authenticity and whether the loan is available; When applying for the loan or selecting to apply for a loan of the loan item, generating and providing second terms and agreements related to financial transactions and credits, and determining whether to agree to the provided second terms and agreements; and Agreement processing unit; An identity authentication processing unit that requests and processes the provision and authentication of at least information on a credit card when agreeing to the second terms and agreements; A loan limit processing unit that distinguishes and provides a loan amount item for each selection so that a successful borrower can select a loan amount, and processes information on the loan amount selected by the borrower; When selecting the loan amount, the account registration confirmation processing unit for processing the request to provide information and registration confirmation for the deposit and interest payment bank and account number of the loan; An application history and a deposit request processing unit for generating and providing an application history related to the selected loan amount when processing the registration of the account number, and requesting a deposit request to process a deposit; And a remittance processing unit for remitting the loan amount to the account number when the deposit request is requested.

In addition, the simple financial loan service method according to an embodiment of the present invention comprises the steps of providing a main screen of the simplicity including at least one of loanable and inquiry, loan application; When selecting the loan and inquiry, notifying the consultation terms related to the loan availability; When agreeing to the consultation terms, providing an identity verification window for identity verification; Authenticating the information related to the user in the identification window; After the user authentication, notifying the result of the loan availability and providing a button for loan application when the loan is available; Announcing at least one individual terms and conditions including an electronic financial transaction basic and an agreement of the simple theory when selecting a button for the loan application or selecting a loan application on the main screen of the simple theory; When agreeing to the individual terms and agreements, providing a personal authentication confirmation window; After confirming the personal certification, notifying the selection result of the loan and the amount of the loan when the loan is available for selection; After selecting the loan amount, notifying the bank to input a deposit bank and an account number; In accordance with the registration confirmation of the input account number to notify the details of the application and the deposit application according to the loan; And sending a loan to the corresponding account after the deposit request. And after the transfer of the loan, characterized in that it comprises a step of notifying whether the loan is terminated.

In addition, the simple financial repayment service method according to an embodiment of the present invention includes a method for easily performing a loan repayment procedure using a communication device, the method comprising: checking a loan repayment date; Checking whether the loan is repaid; When the D-n (D is a repayment deadline, n is a natural number) date, informing the lender of the repayment maturity, and inquiring whether to repay or extend the payment; Performing a storing process according to a repayment condition when the borrower selects repayment; Performing extension processing when the borrower selects an extension; And if the lender is no response, characterized in that it comprises the step of escalating to a special management procedure.

As a result of the above configuration and method, the loan applicant can freely borrow using a mobile device regardless of the place, and as a result, a lot of time can be saved.

Hereinafter, exemplary embodiments of the present invention will be described in detail. In adding reference numerals to the elements of each drawing, it should be noted that the same elements may be denoted by the same reference numerals as much as possible because they may be displayed on different drawings. In addition, in describing the present invention, when it is determined that the detailed description of the related well-known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted.

In addition, in describing the component of this invention, terms, such as 1st, 2nd, A, B, (a), (b), can be used. These terms are only for distinguishing the components from other components, and the nature, order or order of the components are not limited by the terms. If a component is described as being "connected", "coupled" or "connected" to another component, that component may be directly connected to or connected to that other component, but there may be another configuration between each component. It is to be understood that the elements may be "connected", "coupled" or "connected".

Hereinafter, a financial loan service method and apparatus using a mobile device according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view showing a financial loan service system of a mobile device according to an embodiment of the present invention.

As shown in Figure 1, the simple financial loan service system using a mobile device according to an embodiment of the present invention is a mobile device having a display unit 102, the mobile device 102 and the mobile communication network 120 under a wireless environment The server and the credit of the mobile carrier 150 connected to the specific financial company (or financial institution) that communicates, such as the Angelon (or Alps 1004 loan) server of Hyundai Swiss Savings Bank 130 and the Angelon Server of Hyundai Swiss Savings Bank 130. It may include a server of the information company 160. Here, the mobile device 102 having the display unit may represent a mobile communication device, a personal digital assistant (PDA), or the like, as a portable communication device.

Accordingly, certain financial companies, such as Hyundai Swiss Savings Bank 130, may be a holder of the mobile device 102 based on database data of the mobile communication company 150 in relation to the authentication of any customer through the mobile device 102. It is possible to confirm whether or not the person is applying for a real loan or authenticity. For credit inquiry, it is possible to determine whether or not the holder of a credit card is the person who is applying for a real loan based on the database data of the credit information company 160. Will be. At this time, the mobile communication company 150, other banks 140 and credit information companies 160 may include a relay service provider such as an authentication number sender, a financial settlement agency, etc., performing a relay business with Hyundai Swiss Savings Bank 130. Can be.

2 is a block diagram showing the structure of the angelon server of FIG.

As shown in FIG. 2, the structure of the Angelon 1004 Loan server is a loan item processing unit 202, which provides and generates a loan item including at least one item that can be loaned and inquired, loan product guide and loan application. The first terms and conditions processing unit 204, which generates and provides the first terms and conditions related to the consultation of loan availability according to the selection of the possibility and the inquiry, and judges the authenticity of the first terms and conditions. Self-identification and loan availability processing unit 206 to request and confirm the confirmation of whether the loan and whether the loan is possible, the loan application whether or not to determine the loan application based on the authenticity and availability of the loan and request a loan application (208), when applying for a loan or choosing to apply for a loan of the loan item, to create and provide second terms and agreements relating to financial transactions and credits and to provide the second terms and agreements provided; When the second agreement and agreement processing unit 210 to determine whether to agree to the second agreement and agreement, the identity verification processing unit (212) to request and process the provision and authentication of at least information on the credit card, the authentication is successful Loan limit processing unit 214, which provides information on the loan amount selected by the borrower so that the borrower can select the loan amount, and processes the information on the loan amount selected by the borrower, and when the loan amount is selected, the deposit of the loan and the interest payment bank and the account The account registration confirmation processing unit 216, which requests and processes information provision and registration confirmation, generates and provides an application details related to the loan amount selected at the time of registration confirmation of the account number, and requests an application for deposit to process the deposit. Details and deposit request processing unit 218, and a remittance processing unit 220 for processing the remittance of the loan amount to the lender's account when the deposit application request; It is. In this case, the remittance processing unit 220 may include a text sending processing unit for processing to send the application details of the loan in a text message.

3 to 12 are diagrams illustrating a process of loaning by a loan applicant through a screen displayed on a display unit of a mobile device.

First, the loan applicant is connected to the financial institution's simple financial loan service (hereinafter referred to as 'simplification') through the mobile device that he / she carries, for example, the Angelon Server of Hyundai Swiss Savings Bank.

At this time, the main screen, that is, the first screen is displayed on the display unit of the loan applicant's mobile device as shown in FIG. On the first screen, icons, i.e., buttons for loaning / inquiring (hereinafter, loanable and inquiry), loan product information, and applying for loan are formed. Of course, on top of that, the lender can announce the name of the bank he is currently connected to, the logo of the bank and the angel theory. Here, the loan and inquiry button is to allow the loan applicant to proceed with the loan process after inquiring whether the loan is possible, the loan application can proceed to the step of applying for a loan immediately without a separate inquiry process, loan products The guide, for example, provides detailed information about the angelic theory. Thus, loanability and inquiry may include the process of applying for a loan.

First, it is assumed in FIG. 3 that the loan applicant has selected a loan and inquiry. Accordingly, the second screen as shown in FIG. 4 is displayed on the display unit of the mobile device. The second screen briefly announces that there is no record of whether or not the loan can be left, and that the loan is available only to mobile phone holders in their own names, and that the data call charges are borne by the customer. Of course, if it can be selected and announced according to the financial policy of the operator, it should be considered that it is mandatory to announce and agree whether or not to agree with the loan agreement consultation terms and conditions.

If the loan applicant agrees to the terms on the second screen, the third screen as shown in FIG. 5 is displayed. The third screen is a screen for verifying the identity of the mobile phone. Since the loan process is performed through the mobile device, the corresponding phone number is automatically filled in without a separate input procedure, and the customer's name and social security number (or social security number) for the mobile device are entered. There is an input window related to the user's information. Therefore, the third screen is to enter the name and resident registration number and then authenticate by selecting to authenticate yourself or to go back to the initial screen by selecting to move to the initial screen.

When the user is authenticated on the third screen, when the phone number of the mobile device, i.e., the mobile phone, and the personal information input through the input window are the same, a fourth notice of the result of checking whether the loan is possible as shown in FIG. The screen is displayed. If the loan is possible, a message indicating that the loan is possible will be announced. If the information is inconsistent with the user, a message indicating that the loan is impossible will be announced. Therefore, although the contents of the fourth screen are known to be flexible, they can be said to fall largely into the categories of the fourth screen.

In addition, a loan application is possible, and when a loan application button is selected on the fourth screen, a fifth screen shown in FIG. 7 is displayed. This is a screen that announces the terms and conditions (hereafter, the terms and conditions), the basic electronic financial transactions, use of electronic financial services, the use of personal credit information, the basic terms and conditions of the bank's credit transactions and automatic transfer of CMS (Cash Management Service), It contains a list of financial and credit transactions, such as the Alps 1004 loan agreement and a letter of acceptance and transfer mortgage, and forms a small square button next to the list, such as the terms of the agreement, for a specific view of the terms and conditions. In addition, if you do not agree with any one will be notified that the next proceeding. Of course, this may also be a sufficient condition for self-selection in monetary policy, but the Angelon's Agreement may be included in the requirements. However, it will not be limited to it. If you do not agree to the terms and conditions, you will be returned to the main screen.

Of course, the fifth screen, that is, the screen for notifying the terms and the agreement is the same as the screen provided when the loan applicant selects the loan application on the main screen, that is, the first screen. This will be described later with reference to FIG. 16.

If you agree to the terms and agreement on the fifth screen, the following sixth screen is displayed as shown in Figure 8A. The sixth screen is a credit card personal authentication screen for proceeding the authentication process by the credit card possessed by the loan applicant, and the mobile phone number and customer of the mobile device previously entered since the loan screening and inquiry process were performed on the first screen. The name and social security number are automatically generated, that is, filled out so that no separate input process is required, and only the credit card information can be entered. In this case, it is possible to determine the authenticity of whether the credit card holder is the current loan applicant based on the input credit card information, and furthermore, it is possible to set up a loan limit amount accordingly.

If the loan applicant chooses to apply for a loan on the main screen, that is, the first screen, the sixth screen as shown in Fig. 8B is displayed. At this time, the sixth screen of FIG. 8B is configured to enter or select a customer name, social security number, and credit card name, and to enter an expiration date and a password. And, the sixth screen is formed so that the loan applicant can select the loan application and cancel the loan application. In this case, based on the customer's name and social security number entered first, determine whether or not the person currently possessing the mobile device is the loan applicant, and at the same time, whether the credit card holder is the loan applicant or not. Will be judged. In addition, the credit limit can be set up to set the loan limit amount.

After the credit card personal authentication is completed according to the information input on the sixth screen, the seventh screen as shown in FIG. 9 is displayed. The seventh screen is a screen that announces the result of the examination and allows you to select the amount of application based on the result of the examination.The name, resident registration number, loan rate, handling fee, loan period, repayment method, range of loanable amount and loan application amount are selected. The item will be displayed. For example, as a result of the examination of Park Soo-jin's customer, if the loanable amount is set in the range of 800,000 won to at least 600,000 won, the loan application amount selection is divided into two items: 800,000 won and 600,000 won. You can choose.

Subsequently, when the loan applicant selects the corresponding amount, the eighth screen as shown in FIG. 10 is displayed. The eighth screen is designed to notify the deposit account that the deposit payment, interest and commission transfer will be made, and to enter the bank and input the account number. At this time, the loan applicant selects a bank to receive the loan, inputs an account number, and selects an account registration confirmation button to check whether the account entered in the bank is registered. For example, in FIG. 1, the Hyundai Swiss Savings Bank 130 may be linked with another bank 140 server connected to the Angelon Server, and based on the database data stored in the bank server of the customer. You will see. Alternatively, the account registration confirmation may be confirmed by information provided by the KFTC.

When there is no abnormality in the account registration confirmation result on the eighth screen, the ninth screen as shown in FIG. 11 is displayed. The ninth screen is a screen where application details are confirmed and deposit application is made. Customer name, social security number, loan amount, loan period, loan interest rate, handling fee, maturity date, deposit bank, deposit / auto transfer system account (hereinafter, deposit and automatic transfer) Account) is announced, and a button is formed to enable immediate deposit application. In addition, it can be notified that a separate fee may be added for extension, and it can be automatically extended when depositing the extension fee and interest amount to the automatic transfer account after the extension application.

When the loan applicant checks the application details and selects an immediate deposit application on the ninth screen, the tenth screen as shown in FIG. 12 is displayed. The tenth screen is a screen for notifying the end of the loan, and notifies that the loan has been remitted to the customer's account or that the loan application details are sent in a simple text message (SMS). Further, it may announce a message requesting that the interest and repayment inquiry be made to the telephone.

As we have seen so far, the loan process is most preferably performed on a total of 10 screens when the normal loan process is in progress.

FIG. 13 is a screen provided by a loan applicant when applying for an overtime loan (hereinafter, referred to as an overtime loan). FIG. 14 is a notice screen of a loan evaluation result, and FIG. 15 is a screen for notifying an error.

As shown in Figure 13, the loan out-of-time notice screen may inform that the loan application is not possible time, and can notify the transfer time of the loan. In addition, a text message may be sent separately when the loan is remitted, or after confirming the text message, the contents requesting confirmation of the deposit account may be announced. At this time, the loan out-of-time notice screen also displays a button related to the initial screen movement.

The announcement screen (hereinafter, the screening result screen) of the loan screening result shown in FIG. 14 has been mentioned above, but after inputting the credit card information of the loan applicant in the sixth screen of FIGS. 8A and 8B, This screen is announced when the loan is denied as a result of the credit inquiry, and may be provided at the step of displaying the preceding seventh screen. The screening result screen, for example, indicates that the customer is unable to borrow the Alpine Angelon and announces a telephone number for inquiries. In addition, it is possible to form a confirmation button to return to the initial screen when the loan applicant selects the confirmation button, or to end the loan process.

An error notification screen (hereinafter, referred to as an error screen) shown in FIG. 15 is a screen for notifying when an error occurs in a data processing process on a system. The system will notify you that the loan service has been canceled due to a temporary system error, and will allow you to reuse it after a while. In addition, a confirmation button is formed to return to the initial screen when the loan applicant selects the confirmation button, or to end the loan process.

The description so far has been described through the video screen displayed on the display unit of the mobile device. Therefore, hereinafter, the contents will be described in more detail based on the mechanism of operating a financial company operating angelism with reference to other drawings.

16 is a flowchart illustrating a process for a simple financial loan service method according to an embodiment of the present invention.

First, as shown in FIG. 16, when a loan applicant connects to an angelon server of Hyundai Swiss Savings Bank, which operates angelon, for example, the angelon server includes loan availability and inquiry, loan product information, and loan application. To provide an item to (S100). This corresponds to the first screen shown in FIG. 3.

At this time, when the loan applicant selects the loan and inquiry button, the angelon server receives the information on this and announces the loan agreement consultation terms (S102). This corresponds to the second screen. At this time, the second screen includes the information that the record of loan availability is not left, and the information that the loan application is available only to the mobile phone holder of his name. You will be asked to choose whether you agree or disagree with the terms and conditions.

Subsequently, the angelon server receives information on whether the loan applicant agrees or disagrees with the consultation terms provided on the second screen (S104). If you agree to the consultation terms, you can receive the information and provide information on the main screen, that is, the first screen, but if you agree to the consultation terms, you will receive them and provide the contents related to the mobile phone identity verification. S106). In this case, the mobile phone identification screen corresponds to the third screen of FIG. 5. The third screen provides the user name and resident registration number to determine whether or not the mobile phone holder is a loan applicant. In addition, a button for authenticating a person and a button for moving to an initial screen are formed.

At this time, if the loan applicant chooses to authenticate himself (S108), the angelon server receives the information and provides information on the inquiry result of the loan availability (S110). This corresponds to the fourth screen shown in FIG. 6. In this stage, the Angelon server determines whether or not the mobile phone holder and the loan applicant agree with each other based on (or provided with) the database data stored on the carrier's server. And, at this time, when the mobile phone holder and the loan applicant does not match each other through identity verification will be announced that it is impossible to apply for a loan.

In the fourth screen, when the loan application is informed that the loan applicant applies for a loan (S112), the angelon server receives the information and announces the transaction terms and agreement (S114). This corresponds to the fifth screen of FIG. 7. At this time, the terms and agreement on the fifth screen are the basic terms of electronic financial transaction, terms of use of electronic financial services, terms of use of personal credit information, basic terms of mutual savings bank credit transaction, terms of automatic transfer of CMS, Alps 1004 loan agreement, bond transfer and assignment This may include a security offer. If you disagree with one of them, you will be notified that the next step will not proceed, and it is designed to choose whether you agree or disagree with the terms and conditions.

At this time, if you do not agree to the terms and agreement, for example, you can move to the main screen, if you agree with the Angelon server receives the information and provides the credit card personal authentication related information (S118). This corresponds to the sixth screen of FIG. 8A. Here, the sixth screen is a mobile phone number, customer name and resident registration number are automatically filled out so that a separate input process is carried out because the mobile phone authentication process has been performed previously, only the credit card name or card number, expiration date and It is provided to enter information about credit card such as password.

On the sixth screen, if the loan applicant selects the personal card of the credit card (S120), the information is received and the angelon server provides the content of the screening result based on the credit card information and the application amount to be selected according to the result. (S122). This corresponds to the seventh screen of FIG. 9. At this time, the examination result may be made by receiving the database data stored in the server of the credit information company. The seventh screen is categorized by item so that customer name, social security number, loan rate, handling fee, loan period, repayment method, range of loanable amount and loan application amount can be selected. For example, when a customer's loan amount is in the range of 600,000 to 800,000 won, the loan application amount can be divided into two items, 600,000 and 800,000 won, and the borrower will receive the selected information.

When the loan applicant selects a corresponding loan amount in the seventh screen (S124), the angelon server receives the information and selects an account bank for remittance of the loan and inputs an account number (S126). This shows the eighth screen of FIG.

When the loan applicant requests the account registration confirmation on the eighth screen (S128), the angelon server receives the information on this and announces the application details and the deposit application related information according to the information (S130). This corresponds to the ninth screen of FIG. 11. On the other hand, when the loan request is impossible by requesting the account registration confirmation in this step, the drawing returns to the initial screen. However, in this regard, as shown in FIG. 14, it may be possible to provide a screening result screen indicating that the loan is impossible in the next step. Substantially, prior to this step (S130), when the angelon server inputs information about the account registration confirmation, the bank and the account selected by the loan applicant is connected to the server of the bank to receive the database data to check whether the match Can be. Or, it may be confirmed by the financial settlement agency that the data is provided. Therefore, it will not specifically limit to it. At this time, the ninth screen will announce the customer name, social security number, loan amount, loan period, handling fee, maturity date, deposit bank, deposit / automatic transfer account. In addition, an immediate deposit application button is formed.

If the loan applicant immediately requests a deposit on the ninth screen (S132), the angelon server receives the information about this and sends the loan to the corresponding bank account of the loan applicant (S134).

Then, the angelon server will be notified that the loan has been sent to the customer account and the loan details will be sent in a simple text message (SMS) (S136). This corresponds to the tenth screen of FIG. 12 displayed on the display unit. In this case, the tenth screen may additionally announce a phone number for interest and repayment inquiry.

Subsequently, the angelon server is to send the letter of the loan history (S138).

On the other hand, according to an embodiment of the present invention, when the loan applicant selects a loan product guide while the main screen, that is, the first screen is provided (S100), the angelon server receives detailed information and shows detailed information related to the angelon. It is given (S202).

Now, suppose the loan applicant chooses to apply for a loan on the main screen and examine the contents.

When the loan applicant chooses to apply for a loan on the main screen (S100), the angelon server receives the information on this and announces the transaction terms and agreement (S302). This corresponds to the fifth screen of FIG. 7. Therefore, since the contents related to the fifth screen have already been sufficiently described above, they will be replaced by them.

And, if you do not agree to the terms and conditions of the agreement on the fifth screen (S304), you can move to the initial screen, but when you agree to the terms and conditions of the agreement (S304) Angelon server receives the information about this and verify your identity and The credit card personal authentication will be announced (S306). This corresponds to the sixth screen of FIG. 8B. In contrast to the sixth screen of FIG. 8A, the sixth screen of FIG. 8B is configured to perform both the mobile phone identity verification process and the credit card personal authentication process.

In other words, when the loan applicant selects to apply for a loan in the sixth screen of FIG. 8B (S308), the angelon server determines whether the mobile phone holder is a true loan applicant based on the data provided by the mobile carrier, In regards to the personal authentication of the credit card, the credit card holder will determine whether the credit card holder is a true loan applicant based on the data provided by the credit information company.

When there is no abnormality as a result of the personal authentication and the personal card verification of the credit card, the Angelon server provides the seventh screen of FIG. On the other hand, if there is an abnormality in the examination result, it may move to the initial screen as shown in the drawing or provide the screen of FIG. In effect, this step is the same as when you select Loan and Inquiry in the main screen. Therefore, in this regard, the description has been sufficiently described above.

17 is a diagram illustrating a system related to simple financial loan repayment of an angelon server.

As shown in Fig. 17, the loan repayment system, that is, the configuration of the server is a text message to inform the contents of the repayment due date and the repayment maturity about 6 days, 4 days, 2 days before the repayment due date and whether to repay or extend the loan. Can be shipped together. Thus, the maturity of the repayment will allow the customer to choose between repayment and extension. This is done, for example, in the redemption / extension (hereinafter, redemption and extension) text message (SMS) processing section of the Angelon server.

In addition, one day before the repayment expiration date, the customer's data that has been called back (call back) is received for each repayment and extension, and reflected in the account database. Done. This is done by the server's redemption and extension call-back data processing unit and dunning text message processing unit.

In addition, on the day of repayment maturity, data is stored to be classified into automatic storage processing and extension processing for each repayment case. This will be performed in the automatic storage processing and extension processing unit for each repayment case of the server. That is, the automatic storage processing unit for each repayment case completes the repayment using the CMS or the virtual account of the customer, or proceeds the storing process for some of the deposit cases, and the extension / payment processing unit for each repayment case is partially deposited, that is, an extension fee and interest payment. Maturity extensions will be processed for the customer.

On the day after the repayment expiration date, for example, the application date is retroactively processed on a case-by-case basis, and the non-response case is retroactively processed on a case-by-case basis. This is done in the processing unit. In other words, the processing unit by extension application case will be treated as a normal maturity extension for the case where the CMS collection transfer of the deadline of the customer who applied for the extension is normally received. The delinquency management is applied to the management.

Therefore, the simple financial loan repayment service method according to the embodiment of the present invention based on the above-described contents of the present invention checks the loan repayment date, Dn (D is the repayment deadline, n is a natural number) Informing the lender's communication device of the repayment maturity and asking for repayment or extension, checking whether the loan is repaid, performing payment processing according to the repayment condition if repayment is selected, and extending processing if repayment is selected. If there is no response, no response will be included.

For example, according to an embodiment of the present invention, when the server generates and sends a redemption and extension text message, it assigns a code to distinguish redemption and extension to the text message, and returns the assigned code to return data for each case. You can also use the method of classifying. Of course, there will be a variety of ways to do this.

On the other hand, while explaining the embodiment of the present invention so far has been described with a mobile device as an example. However, this has been described as a preferred example to the last, and as another embodiment, as shown in FIG. 1 can be made through the computer 101 or the like using the Internet network 110 as much. Furthermore, it can be used in various ways, such as a computer using a wireless network. If the embodiment of the present invention is made by the computer 101, for example, the process of sending the loan and sending the text of the loan history may be performed at the same time. Accordingly, the present invention may be collectively referred to as an electronic device having a display unit including a mobile device and a computer.

Furthermore, the terms "comprise", "comprise" or "having" described herein mean that a component (or a method) may be inherent unless specifically stated otherwise. In other words, rather than excluding other components, it should be construed that it may further include other components. All terms, including technical and scientific terms, have the same meanings as commonly understood by one of ordinary skill in the art unless otherwise defined. Terms used generally, such as terms defined in a dictionary, should be interpreted to coincide with the contextual meaning of the related art, and shall not be interpreted in an ideal or excessively formal sense unless explicitly defined in the present invention.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

1 is a view showing a simple financial loan service system of a mobile device according to an embodiment of the present invention.

2 is a block diagram showing the structure of the angelon server of FIG.

3 to 12 are views illustrating a process of loaning by a loan applicant through a screen displayed on a display unit of a mobile device;

13 is a view showing that the loan application time has ended

14 is a view showing a notification screen of the loan examination results

15 is a diagram illustrating a screen for notifying an error.

16 is a flowchart illustrating a process for a financial loan service method according to an embodiment of the present invention.

Fig. 17 is a diagram showing a system related to simple financial loan repayment of an angelon server.

Claims (15)

A loan item processing unit for generating and providing a loan item including at least one loan inquiry, loan product guide, and loan application item; A first terms processing unit for generating and providing a first terms related to the consultation of whether or not the loan is possible according to the selection of the borrowable inquiry, and determining whether to agree with the provided first terms; Upon confirmation of the first terms and conditions, the identity verification and loan availability processing unit for requesting confirmation of his or her authenticity and processing and determining whether the loan is possible; A loan application processing unit for determining whether to apply for a loan and requesting a loan application according to the authenticity and whether the loan is available; When applying for the loan or selecting to apply for a loan of the loan item, generating and providing second terms and agreements related to financial transactions and credits, and determining whether to agree to the provided second terms and agreements; and Agreement processing unit; An identity authentication processing unit that requests and processes the provision and authentication of at least information on a credit card when agreeing to the second terms and agreements; A loan limit processing unit that distinguishes and provides a loan amount item for each selection so that a successful borrower can select a loan amount, and processes information on the loan amount selected by the borrower; When selecting the loan amount, the account registration confirmation processing unit for requesting and processing the information provided and registration confirmation for the deposit and interest payment bank and account number of the loan; An application history and a deposit request processing unit for generating and providing an application history related to the selected loan amount when processing the registration of the account number, and requesting a deposit request to process a deposit; And Remittance processing unit for processing the remittance of the loan amount to the account number when the deposit application request Simple financial loan service device comprising a. The method of claim 1, The simple authentication loan processing unit comprises a credit information processing unit for processing the credit card-related information. The method of claim 1, The remittance processing unit is a simple financial loan service device, characterized in that after the remittance of the loan amount, the loan termination notification unit for notifying whether the loan ends. The method of claim 1, The remittance processing unit is a simple financial loan service device characterized in that it comprises a text sending processing unit for processing the text message sending for the application history of the loan. Providing a main screen of a simple loan including at least one of loanable and inquired and loan application items; When selecting the loan and inquiry, notifying the consultation terms related to the loan availability; When agreeing to the consultation terms, providing an identity verification window for identity verification; Authenticating the information related to the user in the identification window; After the user authentication, notifying the result of the loan availability and providing a button for loan application when the loan is available; Announcing at least one individual terms and conditions including an electronic financial transaction basic and an agreement of the simple theory when selecting a button for the loan application or selecting a loan application on the main screen of the simple theory; When agreeing to the individual terms and agreements, providing a personal authentication confirmation window; After confirming the personal certification, notifying the selection result of the loan and the amount of the loan when the loan is available for selection; After selecting the loan amount, notifying the bank to input a deposit bank and an account number; In accordance with the registration confirmation of the input account number to notify the details of the application and the deposit application according to the loan; And After the deposit request, remitting a loan to the corresponding account; And After remittance of the loan, the step of notifying whether the loan is terminated Simple financial loan service method comprising a. The method of claim 5, The main screen of the simple theory is a simple financial loan service method comprising a loan product guide. The method of claim 5, The identity verification window is a simple financial loan service method characterized in that the loan applicant's name and resident registration number can be input. The method of claim 5, The individual terms and conditions further include at least one of the use of electronic financial services, the use of personal credit information, the basic terms of credit transactions of the bank, the automatic transfer agreement of the CMS (Cash Management Service), and the bond transfer and transfer collateral agreement Simple financial loan service method. The method of claim 5, The personal authentication confirmation window is a simple financial loan service method, characterized in that configured to select a credit card name or input the card number of the credit card, the expiration date and password. The method of claim 5, After the personal authentication, the step of notifying the selection of the screening result and the loan amount when the examination is possible according to the loan application can be replaced by a simple financial loan, characterized in that it can be replaced by the step of notifying that the loan is impossible when the screening result is impossible. Service method. The method of claim 5, The application history according to the loan is a simple financial loan service method comprising at least one of a customer name, social security number, loan amount, loan period, loan interest rate, handling fee, maturity date, deposit bank, deposit and automatic transfer account . In the method of easily repaying the loan using a communication device, Checking the loan repayment date; Checking whether the loan is repaid; When the D-n (D is a repayment deadline, n is a natural number) date, informing the lender of the repayment maturity, and inquiring whether to repay or extend the payment; Performing a storing process according to a repayment condition when the borrower selects repayment; Performing extension processing when the borrower selects an extension; And If the borrower does not respond, move on to a special management procedure. Simple financial loan repayment service method that includes. The method of claim 12, The step of performing the storing process is a simple financial loan repayment service method characterized in that the transfer of the repayment payment automatically from the lender's designated account. The method of claim 12, Performing the extension process is Notifying and receiving one or more possible extension periods; And Presenting the repayment amount and interest for the selected extension period Simple financial loan repayment service method comprising the. The method of claim 12, Inquiring whether the repayment or extension is If no response is made up to D-k (k is a natural number, n≥k), send a dunning text message on D-k + 1 Simple financial loan repayment service method comprising the.

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