KR20110042605A - Apparatus and method for supporting loan business, system and method for automating loan business by using the seam - Google Patents

Abstract

PURPOSE: A loaning business supporting device and method thereof, a system and method of automatic loaning business using the same are provided to process loaning registration business according to the loaning business and a loaning business like real-estate secured loaning. CONSTITUTION: A data storage unit(320) stores electronic registration data which provides electronic registration service. A loaning business processing unit(312) processes an loaning business by linking with a loaning management device which manages ledger information. An electronic registration processing unit(313) provides the electronic registration service based on the electronic registration proxy request information.

Description

Credit business support apparatus and method, credit business automation system and method using same {APPARATUS AND METHOD FOR SUPPORTING LOAN BUSINESS, SYSTEM AND METHOD FOR AUTOMATING LOAN BUSINESS BY USING THE SEAM}

The present invention relates to a credit service support apparatus and method, a credit service automation system and method using the same, and more particularly, credit service support apparatus and method for supporting online processing of credit service and real estate registration work related to credit. And a credit business automation system and method for automatically processing real estate registration (hereinafter referred to as "credit registration") related to the credit using the same.

As is well known, the credit business refers to the business of granting credit by financial institutions in a broad sense, that is, such as loans, discounts of notes, acquisition of notes, issuance of letters of credit, and guarantee of debt. This involves lending to the customer, which in the narrow sense also means lending. Loans can be broadly divided into credit loans and mortgage loans, and mortgage loans include deposit loans and real estate loans.

Real estate mortgage loan refers to borrowing a certain amount of money from the financial institution after providing the real estate such as the user's apartment, house, mall to the financial institution such as bank. In general, a customer who wants to secure a mortgage loan visits a financial institution and checks whether there is a loan product that can be borrowed by collateralizing his real estate. After finding out the loan conditions such as loan interest rate, the real estate mortgage application is made, and the financial institution makes the loan decision considering the credit information of the customer and the evaluation result of the real estate provided as collateral. After the loan is decided, the loan is made at the same time as the credit registration, such as the establishment of a mortgage for the mortgage.

However, since the real estate mortgage loan is accompanied by a credit registration process, unlike other types of loans such as deposit mortgage loans, online processing or automated processing is insufficient, and even in the present situation, most financial institutions take real estate mortgage loans offline. Rely on processing or manual processing.

Recently, as part of the establishment of the e-government, the court provides an electronic registration service named "Internet registration system", but it is in the level of increasing the utilization rate of agents such as lawyers and lawyers.

Moreover, since the "Internet registration system" currently in service is to provide a service related to electronic registration, there is a problem that online processing service for credit registration which has a complex relationship with the credit business cannot be provided.

The present invention has been proposed to solve the above problems of the prior art, and provides an apparatus and a method for supporting a credit service for processing a credit service and a credit registration service online.

In addition, it provides a credit service automation system and method for automatically processing the credit registration using the credit service support device.

As a first aspect of the present invention, a credit service supporting apparatus processes a credit service by interworking with a data storage unit for storing electronic registered data capable of providing an electronic registration service and a credit management apparatus managing ledger information. It may include a credit business processing unit and an electronic registration processing unit that provides the electronic registration service based on the electronic registration representative application information input in accordance with the credit registration business generated by the credit business.

The credit service support apparatus may further include a network interworking processing unit that supports interworking between the electronic registration server that provides the electronic registration service through an external network and the electronic registration processing unit, and the electronic registration processing unit, The electronic registration service may be provided by relaying in conjunction with the electronic registration server through the network interworking processor.

The electronic registration processing unit transmits the information on the credit registration business to a representative who can perform the electronic registration by law through a predetermined route, and inputs the electronic registration representative application information from a terminal operated by the agent. I can receive it.

The credit service support apparatus may further include an electronic registered data collection unit which collects the electronic registered data from the electronic registered server in a scraping manner and stores the electronic registered data in the data storage unit.

The credit service support apparatus may further include an inquiry processing unit that provides status information by inquiring the processing status of the credit task or the processing status of the credit registration task.

As a second aspect of the present invention, there is provided a credit service support method using a credit service support apparatus for processing credit services by interworking with a credit management device that manages ledger information, and credit registration services generated by the credit service. The method may include receiving the registered electronic registration application information, and providing the electronic registration service based on the received electronic registration information.

The providing of the electronic registration service may include accessing an electronic registration server that provides the electronic registration service through an external network and interworking with the electronic registration server to provide the electronic registration service by a relay. It may include the step.

The step of receiving the electronic registration application information, the step of transmitting the information on the credit registration service through a predetermined route to the agent that can perform the electronic registration by law, and from the terminal operated by the agent It may include receiving the electronic registration proxy application information.

The credit service support method may further include collecting the electronic registered data from the electronic registered server in a scraping manner.

The credit service support method may further include providing status information by querying the processing status of the credit service or the processing status of the credit registration service according to the inquiry request.

As a third aspect of the present invention, a credit business automation system processes a credit business by interworking with a credit management device that manages ledger information, an electronic registration server that provides an electronic registration service, and the credit management device. Receiving an electronic registration representative application information, which is adapted to the credit registration business generated by the credit business, and automatically delivering the electronic registration service to the electronic registration server, and providing the electronic registration service based on the electronic registration representative application information by a relay; It may include a credit service support device.

Here, the credit service support apparatus, by law, transmits information on the credit registration service to a representative who can perform the electronic registration on behalf of the electronic registration registration agent from the terminal operated by the agent; Application information can be entered.

As a fourth aspect of the present invention, a credit service automation method using a credit service automation system includes steps of processing a credit service by interworking with a credit management device that manages ledger information, and a credit registration service generated by the credit service. Receiving customized electronic registration representative application information, automatically delivering the electronic registration representative application information to an electronic registration server providing an electronic registration service, and the electronic device based on the electronic registration representative application information. Providing the registration service by relaying.

Here, the step of receiving the electronic registration application information, the step of transmitting the information on the credit registration business through a predetermined route to the agent that can perform the electronic registration by law, and the agent is operating The method may include receiving the electronic registration representative application information from a terminal.

According to the embodiment of the present invention, it is possible to process the credit work such as real estate mortgage loan and the credit registration work such as setting, preserving, transferring, changing, correcting and erasing the mortgages according to the credit work.

Advantages and features of the present invention and methods for achieving them will be apparent with reference to the embodiments described below in detail with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but can be implemented in various different forms, and only the embodiments make the disclosure of the present invention complete, and the general knowledge in the art to which the present invention belongs. It is provided to fully inform the person having the scope of the invention, which is defined only by the scope of the claims.

In describing the embodiments of the present invention, if it is determined that a detailed description of a known function or configuration may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the embodiments of the present invention, which may vary according to intentions or customs of users and operators. Therefore, the definition should be based on the contents throughout this specification.

Combinations of each block of the accompanying block diagram and each step of the flowchart may be performed by computer program instructions. These computer program instructions may be mounted on a processor of a general purpose computer, special purpose computer, or other programmable data processing equipment such that instructions executed through the processor of the computer or other programmable data processing equipment may not be included in each block or flowchart of the block diagram. It will create means for performing the functions described in each step. These computer program instructions may be stored in a computer usable or computer readable memory that can be directed to a computer or other programmable data processing equipment to implement functionality in a particular manner, and thus the computer usable or computer readable memory. It is also possible for the instructions stored in to produce an article of manufacture containing instruction means for performing the functions described in each block or flowchart of each step of the block diagram. Computer program instructions may also be mounted on a computer or other programmable data processing equipment, such that a series of operating steps may be performed on the computer or other programmable data processing equipment to create a computer-implemented process to create a computer or other programmable data. Instructions that perform processing equipment may also provide steps for performing the functions described in each block of the block diagram and in each step of the flowchart.

In addition, each block or step may represent a portion of a module, segment or code that includes one or more executable instructions for executing a specified logical function (s). It should also be noted that in some alternative embodiments, the functions noted in the blocks or steps may occur out of order. For example, the two blocks or steps shown in succession may in fact be executed substantially concurrently or the blocks or steps may sometimes be performed in the reverse order, depending on the functionality involved.

1 is a network diagram of a credit service automation system using a credit service support apparatus according to an embodiment of the present invention.

As shown in this, the credit business automation system includes a financial customer terminal 110, an agent terminal 120, a credit business terminal 130, a communication network 210, a relay network 220, a credit business support apparatus 300, and credit management. It comprises a device 400, electronic registration server 500 and the like.

The financial customer terminal 110 may access the credit service support device 300 through a communication network 210 such as the Internet, and apply for an inquiry of the processing status of the credit service and / or the credit registration service, and the credit service support device ( The status information provided from 300 may be received and displayed on the screen.

The agent terminal 120 is operated by an agent who can perform the electronic registration on behalf of the law, and the electronic registration information for the application registered in accordance with the credit registration business caused by the credit service processed by the credit service support device 300 Receiving an input from the agent, the electronic registration registration application information received can be delivered to the credit service support device 300 through the communication network 210.

The credit service terminal 130 may be operated by a credit officer in charge of a financial institution, may receive information on a credit service requested by a financial customer, and transfer information about the credit service received to the credit service support apparatus 300. .

The credit management device 400 manages the ledger information of the financial institution, so that the credit business support device 300 can process the credit business received from the credit business terminal 130 in association with the credit business support device 300. Support. Such a credit management device 400 may be implemented, for example, in the account system of a financial institution.

The electronic registration server 500 receives the electronic registration representative application information tailored to the credit registration business caused by the credit service from the credit service support apparatus 300 connected through an external network such as the relay network 220, and supports the credit business. The electronic registration service based on the electronic registration proxy application information received from the device 300 is provided.

The credit service support device 300 processes the credit service by interworking with the credit management device 400, and inputs electronic registration representative application information, which is tailored to the credit registration business caused by the processed credit service, from the agent terminal 120. It receives and automatically delivers to the electronic registration server 500, and provides the electronic registration service based on the electronic registration proxy application information by the relay. Here, the credit service support device 300 is electronically registered from the agent terminal 120 operated by the agent after transmitting information on the credit registration service through a predetermined route to the agent who can perform the electronic registration by law. Enter the proxy application information.

2 is a detailed block diagram of a credit service support apparatus according to an embodiment of the present invention.

As shown in the figure, the credit service support apparatus 300 includes a credit registration processor 310, a data storage 320, and the like. The credit registration processing unit 310 may include an electronic registration data collection unit 311, a credit business processing unit 312, an electronic registration processing unit 313, a user authentication unit 314, an inquiry processing unit 315, a network interworking processing unit 316, and the like. The data storage unit 320 includes an electronic registered data storage unit 321, a credit registration data storage unit 322, a user data storage unit 323, an operation data storage unit 324, and the like. It is composed.

The electronic registered data collection unit 311 collects electronic registered data from the electronic registered server (reference numeral 500 of FIG. 1) in a scraping manner and stores the electronic registered data in the electronic registered data storage 321 of the data storage unit 320.

The credit business processing unit 312 processes the credit business by interworking with the credit management apparatus (reference numeral 400 of FIG. 1) that manages the ledger information.

The electronic registration processing unit 313 provides an electronic registration service provided by the electronic registration server (reference numeral 500 of FIG. 1) by relay. Here, the electronic registration service is provided based on the electronic registration representative application information input in accordance with the credit registration service generated by the credit service.

The user authentication unit 314 may store authentication information input from the financial customer terminal 110, the agent terminal 120, or the credit service terminal 130 and the user data stored in the user data storage unit 323 of the data storage unit 320. Based on the result of comparison with information, authentication of normal user is performed.

The inquiry processing unit 315 registers the credit service by the credit service processing unit 312 and / or the credit registration by the electronic registration processing unit 313 in accordance with the application for inquiry of the business processing status by the financial customer terminal (reference numeral 110 in FIG. 1). Inquiry on the processing status of the work and return the status information.

The network interworking processing unit 316 supports interworking with the electronic registration server (reference numeral 500 of FIG. 1) and the electronic registration processing unit 313 that provide electronic registration services through an external network such as the relay network 220.

The operation data storage unit 324 of the data storage unit 320 stores operation data necessary for performing various functions of the credit registration processor 310, and the credit registration data storage unit 322 is a credit of the electronic registration processor 313. The credit registration data generated by the processing of the registration business is stored.

3A and 3B are flowcharts illustrating a credit task automation process by a credit task automation system using a credit task support apparatus according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings will be described the credit business support process and credit business automation process.

First, the electronic registration data collection unit 311 constituting the credit registration processing unit 310 of the credit service support device 300 to the electronic registration server 500 through the relay network 220 using the network interworking processing unit 316. Accessing, collecting electronic registration data for electronic registration service from the electronic registration server 500 by scraping, and collecting the collected electronic registration data to the electronic registration data storage unit 321 of the data storage unit 320. Save (S601).

On the other hand, when a financial customer who visits a financial institution applies for a loan, such as a mortgage loan, he or she submits a loan application and various documents for registration to the credit officer of the financial institution.

The credit officer of the financial institution receiving the credit application requests the credit business management access while operating the credit business terminal 130 and connected to the credit business support device 300 (S603), and the credit business processing unit 312 receives the data. Using the operation data stored in the operation data storage unit 324 of the storage unit 320 provides a credit registration application window to the credit service terminal 130 (S605). At this time, the user authentication unit 314 is a normal user, based on a comparison result of the authentication information input from the credit business terminal 130 and the user information previously stored in the user data storage unit 323 of the data storage unit 320, In other words, it is possible to authenticate the creditee.

The credit officer obtains various information for credit registration from the loan application submitted from the financial customer and various documents for registration, and obtains the information for credit registration obtained in the credit registration application window provided through the credit service terminal 130. Apply for a credit registration by entering (S607). At this time, the credit business processing unit 312 may automatically input the credit information in conjunction with the credit management device 400, and similarly, the electronic registration processing unit 313 receives the support of the network interworking processing unit 316, the electronic registration server ( Real estate information obtained from 500 may be automatically entered.

The electronic registration processing unit 313 transmits the information on the credit registration service through a predetermined route to an agent who can perform the electronic registration by law when the application for credit registration is completed. For example, a registration request message including information on credit registration work may be transmitted to an attorney or a lawyer by e-mail.

The agent operates the agent terminal 120 to connect to the credit service support device 300 to request a registered agent, and the electronic registration processing unit 313 is stored in the operation data storage unit 324 of the data storage unit 320. Using the operation data, the agent terminal 120 provides a registration agent application window (S613). At this time, the user authentication unit 314 is based on the comparison result of the authentication information input from the agent terminal 120 and the user information previously stored in the user data storage unit 323 of the data storage unit 320, that is, Authentication can be performed for agents.

The agent inputs a variety of information for performing registration on behalf of the credit registration business in the registration agent application window provided through the agent terminal 120 to apply for a registration representative, the agent terminal 120 is a registration agent application window The electronic registration application information obtained through the transfer to the credit service support device 300 (S615).

The electronic registration processing unit 313 is connected to the electronic registration server 500 through the relay network 220 with the support of the network interworking processing unit 316 (S617), to the electronic registration server 500 connected to the electronic registration proxy application information Send the application for registration (S619).

The electronic registration server 500 that has received a registration request from the credit service support device 300 transmits a confirmation request message of the registration request information to the credit service support device 300 before processing the corresponding registration (S621). Then, the electronic registration processing unit 313 of the credit registration processing unit 310 is a predetermined path (eg, e-mail) to a financial customer, a credit representative, and / or an agent based on user information previously stored in the user data storage unit 323. Etc.) and transmits a request for confirmation of registration information (S623).

The financial customer, the credit officer, and / or the agent may access the credit business support device 300 through a terminal operated by him, that is, the financial client terminal 110, the agent terminal 120, the credit terminal 130, or the like. The registration application information for the currently registered credit registration business is confirmed, and the confirmation status of the registration application information is transmitted to the electronic registration server 500 by the electronic registration processing unit 313 of the credit registration processing unit 310.

After confirming the information on the credit registration application, the electronic registration server 500 approves the registration application and transmits the registration request information approval message to the credit business support device 300 (S625), the electronics of the credit business support device 300. The registration processing unit 313 sends a registration request information approval message to a financial customer, a credit representative, and / or an agent through a preset path (eg, an e-mail, etc.) based on user information previously stored in the user data storage unit 323. Transfer (S627).

The electronic registration server 500 processes the registration, such as setting, preserving, transferring, changing, correcting, erasing, etc., the base mortgage after approving the registration application, and when the registration processing is completed, the registration completion message is sent to the credit business processing apparatus 300. It transmits (S629).

The credit service processing apparatus 300 receiving the registration completion message extracts the credit registration data from the registration completion message and stores the credit registration data in the credit registration data storage unit 322, and transmits the extracted credit registration data to the credit management apparatus 400. The same data as the credit registration data stored in the credit service support apparatus 300 is also stored in the credit management apparatus 400 (S631).

Finally, the electronic registration processing unit 313 of the credit registration processing unit 310 is a predetermined path (eg, electronic) to a financial customer, a credit representative, and / or an agent based on user information previously stored in the user data storage unit 323. The credit registration registration message is transmitted through the mail (S633).

1 is a network configuration of a credit service automation system using a credit service support apparatus according to an embodiment of the present invention,

2 is a detailed block diagram of a credit service support apparatus according to an embodiment of the present invention;

Figure 3a and Figure 3b is a flow chart for explaining the credit task automation process by the credit task automation system using the credit task support apparatus according to an embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

110: financial customer terminal 120: agent terminal

130: credit business terminal 210: communication network

220: relay network 300: credit support device

310: credit registration processing unit 311: electronic registration data collection unit

312: credit business processing unit 313: electronic registration processing unit

314: user authentication unit 315: inquiry processing unit

316: network interworking unit 320: data storage unit

321: electronic registration data storage unit 322: credit registration data storage unit

323: user data storage unit 324: operation data storage unit

400: credit management device 500: electronic registered server

Claims (14)

A data storage unit for storing electronic registration data capable of providing an electronic registration service; Credit business processing unit which processes credit business by interlocking with credit management device which manages ledger information, An electronic registration processing unit that provides the electronic registration service based on the electronic registration representative application information input in accordance with the credit registration business generated by the credit service. Credit service support device comprising a. The method of claim 1, The credit service support apparatus further includes a network interworking processing unit that supports interworking between the electronic registration server and the electronic registration processing unit which provides the electronic registration service through an external network, The electronic registration processing unit, in conjunction with the electronic registration server through the network interworking processing unit to provide the electronic registration service by the relay Credit business support device. The method according to claim 1 or 2, The electronic registration processing unit transmits information on the credit registration business through a predetermined route to a representative who can perform electronic registration on a legal basis, and transmits the electronic registration representative application information from a terminal operated by the agent. Receiving input Credit business support device. The method of claim 2, The credit service support apparatus, the electronic registered data collection unit for collecting the electronic registered data from the electronic registered server in a scraping manner and store in the data storage unit Credit business support device further including. The method according to claim 1 or 2, The credit service support apparatus, the inquiry processing unit for providing the status information by inquiring the processing status of the credit business or the processing status of the credit registration service Credit business support device further including. As credit business support method by credit business support device, Processing credit work by interworking with a credit management device that manages ledger information; Receiving the electronic registration registration application information tailored to the credit registration business caused by the credit business; Providing an electronic registration service based on the received electronic registration application information received; Credit business support method comprising a. The method of claim 6, Providing the electronic registration service, Accessing an electronic registration server that provides the electronic registration service through an external network; Providing the electronic registration service by the relay in conjunction with the electronic registration server Credit business support method comprising a. 8. The method according to claim 6 or 7, The step of receiving the electronic registration representative application information, Transmitting information on the credit registration service through a predetermined route to an agent who can perform electronic registration on a legal basis; Receiving the electronic registration representative application information from a terminal operated by the agent; Credit business support method comprising a. The method of claim 7, wherein The credit business support method, the step of collecting the electronic registration data from the electronic registration server in a scraping method Credit business support method that includes more. 8. The method according to claim 6 or 7, The credit service support method, inquiring the processing status of the credit service or the processing status of the credit registration service according to the request for providing the status information Credit business support method that includes more. A credit management device that manages ledger information; An electronic registration server providing the electronic registration service at the source; Processes the credit service by interworking with the credit management device, receives electronic registration information applied to the credit registration service generated by the credit service and automatically delivers it to the electronic registration server, and applies for the electronic registration agent Credit business support device that provides the above electronic registration service based on information by relay Credit business automation system comprising a. The method of claim 11, The credit service support apparatus transmits the information on the credit registration service through a predetermined route to an agent who can perform the electronic registration on behalf of the law, and receives the electronic registration representative application information from a terminal operated by the agent. Receiving input Credit business automation system. As a credit business automation method by credit business automation system, Processing credit work by interworking with a credit management device that manages ledger information; Receiving the electronic registration registration application information tailored to the credit registration business caused by the credit business; Automatically delivering the electronic registration representative application information to an electronic registration server that provides the electronic registration service; Providing the electronic registration service based on the electronic registration representative application information by a relay; Credit business automation method comprising a. The method of claim 13, The step of receiving the electronic registration representative application information, Transmitting information on the credit registration service through a predetermined route to an agent who can perform electronic registration on a legal basis; Receiving the electronic registration representative application information from a terminal operated by the agent; Credit business automation method comprising a.

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