KR20110093748A - Method for on-off line loan service and financial server for the same - Google Patents

Abstract

PURPOSE: An on/off line loan service method and financial server therefor are provided to enable banking facilities to loan money to client without providing loan manual to the client when changing loan condition by writing loan contract thorough certificate of the client. CONSTITUTION: A loan qualification unit(320) determines possible loan of client based on finance information and credit information of the client from a staff terminal. A storage unit(330) registers client as loan applicant when completion of employment confirmation is registered and the loan is possible to lend to the client. A customer authentication unit(350) determines whether the authentication of certificate is effective.

Description

On-Offline Loan Service Method and Financial Server for It {METHOD FOR ON-OFF LINE LOAN SERVICE AND FINANCIAL SERVER FOR THE SAME}

The present invention relates to a loan service method, and more particularly, to an on-offline loan service method and a financial server therefor.

Recently, a small loan service has been provided online, but there is a limit to the amount of loans that can be obtained using it. It is common for customers who are not able to pay the necessary loans through online micro-loan services or who are not familiar with loan services to visit a financial institution directly and consult with a loan clerk. That is, a customer who has difficulty in providing a loan service online is provided with an offline loan service through a loan clerk at a financial institution.

In order to be provided with an offline loan service, the customer receives a description of the loan product from a teller and submits a loan application and supporting documents. The teller requests a loan review from the financial system based on the loan application and supporting documents. In general, the approval of a customer's loan application depends on the customer's income and expenses, asset status, and creditworthiness. Normally, the result of the loan review is more than a week.

As a result of the loan examination, if the customer's loan application is approved, the customer should visit the financial institution again and prepare various arrangements for loan execution.

On the other hand, at the request of the clerk, the customer can prepare various agreements necessary for the execution of the loan together with the loan application. At this time, changeable items such as interest rate of the agreement are left blank and supplemented after the loan application is approved. Even in this case, the customer must visit the financial institution again. In particular, if the description of the loan product described at the time of the loan application differs from the details of the loan approval, the customer may need to rewrite the various agreements.

In off-line loan services, it is cumbersome for customers to repeatedly visit a financial institution and repeat their names, social security numbers, addresses, and signatures on a number of agreements required to execute a loan.

The technical problem to be solved by the present invention is an on-offline loan service method that can solve the inconvenience, such as a customer using an offline loan service to visit a financial institution several times and repeatedly write a plurality of agreements and In providing a financial server.

The method for providing an on-offline loan service by a financial server according to an embodiment of the present invention includes receiving a loan examination request including an application loan amount and financial information of a customer from an employee terminal, the financial information and credit of the customer. Determining whether the loan is possible for the customer based on the information; registering the customer as a loan candidate when the loan is available for the customer and completion of the job confirmation of the customer is registered; Receiving the agreement for the loan from the customer terminal of the customer and the authentication certificate authentication for the agreement, and depositing the loan to the customer's loan account.

Receiving the agreement and the accredited certificate authentication for the agreement, the step of transmitting the loan approval notification including the loan rate and loan amount information approved to the customer terminal of the customer registered as the prospective loan, from the customer terminal Receiving loan condition change request information including a loan rate discount condition for discounting the approved loan rate, transmitting loan rate and loan amount information changed according to the loan condition change request information to the customer terminal; Receiving a final approval for the changed loan interest rate and loan amount information from the customer terminal, and generating the agreement to which the changed loan interest rate and loan amount is applied to the customer terminal.

The on-offline loan service method may further include subscribing to a loan rate discount product included in the loan condition change request information.

The loan approval notification includes a loan approval validity period, and deposits a loan in the customer's loan account only when a contract for loan and an accredited certificate authentication for the agreement are received from the customer terminal within the loan approval validity period. Can be processed.

Determining whether the loan is possible for the customer, the step of calculating the maximum loan amount and loan rate of the customer based on the financial information and credit information of the customer, and the less of the application loan amount and the maximum loan amount Approving the loan at the amount, and the calculated loan rate.

Determining whether the loan is possible for the customer, and if the loan is possible for the customer, transmitting a job confirmation instruction to the employee terminal to confirm the employment status of the customer, and confirming the employment of the customer. Completion can be registered by the employee terminal.

Determining whether the loan is possible for the customer, and if the loan is possible for the customer, confirming the employment status of the customer in connection with the employment confirmation server, and the completion of the employment confirmation of the customer is performed by the financial server. Can be registered.

Credit information of the customer may be obtained through a credit rating agency associated with the financial server.

Financial server for on-offline loan service according to another embodiment of the present invention is a loan examination unit for determining whether the loan to the customer based on the financial information and credit information of the customer received from the employee terminal, for the customer If the loan is available and the completion of the employment confirmation of the customer is registered, the storage unit for registering the customer as a prospective loan, whether or not the certification certificate authentication for the loan agreement received from the customer terminal of the customer registered as the prospective loan The customer authentication unit for determining, and a loan processing unit for processing the deposit of the loan to the customer's loan account in accordance with the agreement.

The loan examination unit may transmit a job confirmation instruction instructing the employee terminal to confirm the employment status of the customer if the loan is possible to the customer, and the completion of the job confirmation of the customer may be registered through the employee terminal.

The loan examination unit may confirm the employment status of the customer in association with the employment confirmation server, and register the completion of the employment confirmation of the customer in the storage unit.

The loan examination unit may subscribe to the loan rate discount product included in the loan condition change request information received from the customer terminal.

The loan examination unit calculates the maximum loan amount and the loan rate of the customer based on the financial information and the credit information of the customer, and makes a loan at the lesser of the applied loan amount and the maximum loan amount, and the calculated loan rate. You can approve.

According to the loan approval result of the loan review unit may further include a contract generation unit for generating a contract required for the execution of the loan for the customer registered as the loan prospectus in an electronic form.

The agreement generation unit transmits a loan approval notification including the approved loan rate and loan amount information to the customer terminal of the customer registered as the prospective loan, the loan rate for the discount of the approved loan rate received from the customer terminal The loan rate and the loan amount information changed according to the loan condition change request information including the discount condition are transmitted to the client terminal, and according to the final approval of the client terminal, a contract to which the changed loan interest rate and the loan amount is applied is generated to generate the agreement. It can transmit to the terminal.

The loan approval notification includes a loan approval validity period, and when the loan processing unit receives a contract for a loan and an accredited certificate authentication for the contract from the customer terminal of the customer registered as the loan prospective within the loan approval validity period Only the loan can be deposited into the customer's loan account.

The loan examination unit may acquire credit information of the customer in association with a credit rating agency.

Through on-line loan service, it is possible to solve the inconvenience of the customer having to visit the financial institution several times and repeat the multiple agreements to provide the loan service.

Since the customer can execute the loan by writing the loan agreement through the accredited certificate, even if the loan conditions change during the loan screening process, there is no need to re-provide the loan manual to the customer and rewrite the agreement. Loans can be deposited quickly into the loan account.

1 is a schematic diagram illustrating a financial system in which an offline loan service is performed.
2 is a schematic diagram illustrating a financial system in which an on-offline loan service is performed according to an embodiment of the present invention.
3 is a block diagram showing a configuration of a financial server for an on-offline loan service according to an embodiment of the present invention.
4 is a flowchart illustrating an on-offline loan service method according to an embodiment of the present invention.
5 is a flowchart illustrating an on-offline loan service method according to another embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention.

In addition, in the various embodiments, components having the same configuration are represented by the same reference symbols in the first embodiment. In the other embodiments, only components different from those in the first embodiment will be described .

In order to clearly describe the present invention, parts irrelevant to the description are omitted, and like reference numerals designate like elements throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise.

1 is a schematic diagram illustrating a financial system in which an offline loan service is performed.

Referring to FIG. 1, a process in which a customer 10 receives an offline loan service through a teller 20 of a financial institution will be described.

The offline loan service process includes a first visit processing performed by a customer 10 first visit a financial institution and a second visit processing performed by a second visit a financial institution.

The first visit process consists of a loan counseling process (S1), a product description issuance process (S2), a loan application and document submission process (S3), and a loan review request process performed by the customer 10 first visit to the financial institution. (S4), result notification process (S5) and approval notification process (S6).

The second visit processing process includes a contract preparation submission process (S7), a modified product description issuance process (S8), and a loan execution request process (S9) after the customer 10 visits the financial institution for the second visit. .

In the offline lending service, the first and second visits are processed from days to weeks.

Hereinafter, the offline loan service process will be described in detail.

The customer 10 first visits a financial institution and receives loan counseling from a loan clerk 20 (S1).

The teller 20 introduces a suitable loan product to the customer 10 through loan consultation of the customer 10 and issues a product description for the loan product (S2).

The customer 10 submits a loan application and various supporting documents to the counter employee 20 to apply for the loan product (S3). Loan application includes the customer information including the name, address, resident number, telephone number, work name, work address of the customer 10 and loan amount information. The various documents include a certificate of identification and financial information of the customer (10), such as a resident registration certificate, a certificate of employment, a certificate of payment of health insurance, a certificate of earned income withholding, and a certificate of receipt of business income.

The window staff 20 requests the loan examination to the financial server 30 based on the loan application and various supporting documents submitted by the customer 10 (S4).

The financial server 30 determines whether the loan is possible based on the financial information and the credit information of the customer 10.

In general, the examination of the loan applied by the customer 10 based on the financial information and the credit information of the customer 10 takes several days to several weeks. Therefore, the customer 10 should wait until the loan examination is completed after submitting the loan application and various supporting documents.

When the loan examination is completed, the financial server 30 notifies the clerk 20 of the loan examination result (S5). As a result of the loan examination, the loan application of the customer 10 may be approved, rejected, and adjusted.

When the loan of the customer 10 is approved or adjusted, the teller 20 notifies the customer of the loan approval, and requests the customer 10 to visit the financial institution again (S6).

The customer 10 visits the financial institution for the second time, prepares various agreements necessary for the execution of the loan, and submits them to the teller 20 (S7). The agreements necessary for the execution of loans include the basic terms of credit transactions, loan agreements, and personal credit information inquiry and use agreements.

If the loan application of the customer 10 is approved in the loan screening process, the teller 20 issues the changed product description according to the adjusted loan condition to the customer 10 (S8). That is, in the loan screening process, the loanable amount, loan rate, etc. may be adjusted, and thus, the changed product description should be issued to the customer 10.

When the clerk 20 receives various contracts necessary for the loan from the customer 10, the clerk 20 requests the execution of the loan to the financial server 30 after confirming the employment status of the customer 10 (S9). The financial server 30 deposits a loan into a loan account of the customer 10 to execute a loan.

As described above, the examination of the loan applied by the customer 10 in the offline loan service process takes several days to several weeks, so the customer should visit the financial institution at least two times. In addition, various agreements necessary for the execution of the loan can be prepared and submitted together with the loan application. If the loan application is approved by the customer 10 as a result of the loan examination, the customer 10 must rewrite the various agreements. do.

It is quite cumbersome for the customer 10 to visit a financial institution several times for a loan service and to repeatedly write various arrangements.

2 is a schematic diagram illustrating a financial system in which an on-offline loan service is performed according to an embodiment of the present invention.

Referring to FIG. 2, a process in which a customer 100 receives an on-offline loan service through a teller 200 and a customer terminal 400 of a financial institution will be described.

The on-offline loan service process includes an offline loan application process in which the customer 100 applies for a loan through the counter employee 200 and an online loan execution process in which the customer 100 executes a loan through the customer terminal 400. do.

The offline loan application process is a loan consultation process (S11), a product description issuance process (S12), a loan application and document submission process (S13), and a loan review request process (S14) performed by a customer (100) by visiting a financial institution. It includes a result notification process (S15) and the approval notification process (S16) after confirmation of employment.

The online loan execution process includes a contract registration and certificate authentication process (S17) performed by the customer 100 accessing the financial server 300 through the customer terminal 400.

Now, the on-offline loan service process will be described in detail.

The customer 100 visits a financial institution and receives loan counseling from a loan clerk 200 (S11). Financial institutions include first financial institutions, second financial institutions and consumer financial institutions. The primary financial institutions include special banks, general banks, and local banks established for the purpose of self-reliance by the government for special purposes. Second financial institutions may include trust companies, including insurance companies, investment trust management companies, and asset management companies, securities companies, comprehensive financial companies, credit finance companies (e.g., card companies, capital companies, leasing companies, installment companies, new technologies). Financial companies, etc.) and mutual savings banks. Consumer financial institutions include lenders and debentures.

That is, the proposed on-offline loan service may be provided by the first financial institution, the second financial institution, and the consumer financial institution.

The window staff 200 introduces a loan product suitable to the customer 100 through a loan consultation of the customer 100 and issues a product description for the loan product (S12). Loan products include unsecured loans (credit loans) in which loans and loan rates are determined according to the credit rating of the customer 100 and collateral loans in which the loans and loan rates are determined according to the collateral value of the customer 100.

The customer 100 submits a loan application and various supporting documents to the counter employee 200 to apply for the loan product (S13). Loan application includes the customer information including the name, address, resident number, work name, work address, etc. of the customer 100, loan amount information, loan rate information and the like. Various documents can be used to prove the identity and financial information of the customer (100) such as resident registration, employment certificate, health insurance payment certificate, earned income tax receipt, business income source receipt, national pension payment certificate, employment insurance payment certificate, etc. Include a certificate.

The window staff 200 requests the loan examination to the financial server 300 through the employee terminal (S14). Loan examination request includes customer information, loan amount information, loan rate information, financial information of the customer (100).

The financial server 300 determines whether the loan is possible based on the financial information and the credit information of the customer 100. Credit information of the customer 100 may be obtained through a credit rating agency associated with the financial server 300. The financial server 300 may calculate the maximum loan amount, loan interest rate, etc. that the customer 100 can borrow based on the financial information and the credit information of the customer 100. The financial server 300 compares the calculated maximum loan amount and loan interest rate with the loan amount and loan interest rate applied through the loan application to approve, reject and adjust the loan application of the loan application of the customer 100. You can decide.

The loan approval is to approve the customer 100 to execute the loan on the same condition as the loan amount and loan interest rate applied through the loan application. The loan refusal is to refuse execution of a loan to the customer 100. The loan adjustment approval is to approve the loan to be executed when the customer 100 changes the loan amount and loan interest rate applied through the loan application. For example, when the document 100 submitted by the customer 100 has a defect or a problem in the credit quality of the customer 100, and the maximum loan amount is less than the loan amount requested by the customer 100, the financial server 300 ) May approve the loan on the condition that the loan is executed at a maximum loan amount less than the loan amount requested by the customer 100. That is, the financial server 300 approves the loan with the smaller amount of the loan amount applied and the maximum loan amount. At this time, the financial server 300 may approve the loan on the condition of executing the loan at the calculated loan rate.

Hereinafter, it is assumed that the financial server 300 has approved or adjusted the loan application of the customer 100.

When the loan screening is finished, the financial server 300 notifies the employee screening result of the loan screening to the employee terminal of the window staff 200 (S15).

The window staff 200 confirms the employment status through the documentary documents submitted by the customer 100 and then notifies the customer 100 of the loan approval (S16). The window staff 200 includes the employment certificate, health insurance payment certificate, national pension payment certificate, employment insurance payment certificate, etc. submitted by the client 100, the National Tax Service homepage, the National Health Insurance Service homepage, the National Pension Service homepage, and employment insurance management. You can check the status of employment of the customer 100 by inquiring on the corporation homepage. When it is confirmed that the employee of the customer 100 is in a normal state of service, the counter staff 200 registers the job confirmation completion of the customer 100 in the financial server 300 through the employee terminal. The counter staff 200 may directly notify the customer 100 of the loan approval. Alternatively, when the clerk 200 registers the job confirmation completion of the customer 100 in the financial server 300, the financial server 300 automatically sends a short message service (SMS) text informing the approval of the loan. You can also send it to.

Here, the window staff 200 has been described as confirming the employment status of the customer 100, the financial server 300 may check the employment status of the customer 100. The financial server 300 is connected to an employment confirmation server such as the National Tax Service server, the Health Insurance Corporation, the National Pension Service, the Employment Insurance Corporation, etc., which can check the employment status of the customer 100. The employment status of the customer 100 may be confirmed by checking the submitted employment certificate, health insurance payment certificate, national pension payment certificate, employment insurance payment certificate, and the like.

The financial server 300 may register the customer 100 whose employment status is confirmed as a loan candidate.

The loan approval notice may include the loan approval validity period. The loan approval validity period means a period during which the customer 100 can perform an online loan execution process. The loan can be executed only when the customer 100 performs the online loan execution process within the loan approval validity period. That is, the customer 100 may perform an online loan execution process during the loan approval validity period after the registration of the employment confirmation of the customer 100 is completed.

The customer 100 may access the financial server 300 through the customer terminal 400, create and register various types of agreements provided from the financial server 300, and authenticate the agreement with an authorized certificate (S17). The customer terminal 400 may include a personal computer (PC), a personal digital assistant (PDA), a notebook computer, a smart phone, and the like, which may access a financial server 300 through a wired or wireless communication network to perform a financial transaction. .

The financial server 300 may pre-generate various contracts necessary for the execution of the loan of the customer 100 in electronic form during the loan examination process of the customer 100, and when the customer 100 is connected through the customer terminal 400. The customer 100 may provide various types of contracts generated in advance. The agreements required to implement a loan include the basic terms of credit transactions, loan agreements, personal credit information inquiry and use agreement.

On the other hand, the financial server 300 in the execution of the loan, the customer terminal 400 that the customer 100 can provide a loan rate discount on the condition of pay transfer, card use, savings subscription of the financial institution, etc. Through the customer 100 can be informed. The customer 100 may apply for a loan rate discount product such as payroll transfer, card use, and savings subscription for a loan rate discount. For example, the customer 100 may additionally create a payroll transfer application, a new card issuing application, a savings account opening application, and the like in the loan agreement preparation and certification process (S17) and transmit it to the financial server 300. .

That is, the customer 100 transmits the loan condition change request information including the loan rate discount condition for the discount of the loan rate approved through the customer terminal 400 to the financial server 300. The loan condition change request information may include a loan rate discount condition such as an application for payroll transfer, an application for using a card, and an application for saving money.

The financial server 300 changes the loan interest rate according to the loan condition change request information received from the customer terminal 400. At this time, the financial server 300 subscribes to the loan rate discount products, such as payroll, card use, savings subscription included in the loan condition change request information. That is, the financial server 300 opens a payroll transfer account of the customer 100 or converts a general account into a payroll transfer account, issues a new card, and opens a card settlement account in the course of discounting the loan interest rate according to the loan condition change request. You can specify and open a savings account.

The financial server 300 transmits the changed loan interest rate and loan amount information to the customer terminal 400 according to the loan condition change request information. In this case, the financial server 300 may transmit the processing result for payroll transfer, card use, savings subscription, etc. requested by the customer 100 to the customer terminal 400.

When the final approval for the changed loan rate and the loan amount is received from the customer terminal 400, the financial server 300 may generate and provide the agreement to which the changed loan rate and the loan amount are applied to the customer terminal 400.

The customer 100 may enter the name, address, social security number, etc. of the customer 100 in the agreement required to execute the loan through the customer terminal 400, and may authenticate the agreement as an authorized certificate. Since various agreements necessary for the execution of loans are provided in an electronic form, the same contents, such as the name, address, social security number, etc. of the customer 100 may be processed to be applied to multiple agreements with a single entry.

The financial server 300 receives the agreement from the customer terminal 400, and if the received agreement is authenticated as an authorized certificate, the loan is processed by depositing a loan in the loan account of the customer 100 to execute a loan.

Compared with the offline lending service of FIG. 1, in the on-offline lending service of FIG. 2, the customer 100 does not need to visit the financial institution a second time, and can conveniently prepare various agreements provided in an electronic form. In addition, as the customer 100 applies for a payroll transfer, card use, savings, etc., the agreement to which the loan interest rate discount condition is applied is automatically changed in the financial server 300 and provided to the customer terminal 400. 200 does not have to provide the changed product description to the customer 100, and the customer 100 does not need to rewrite the agreement. In addition, in the on-offline loan service, as soon as the customer 100 authenticates the agreement with the official certificate, the loan can be deposited in the loan account of the customer 100, so the customer 100 can receive the loan quickly. .

3 is a block diagram showing a configuration of a financial server for an on-offline loan service according to an embodiment of the present invention.

Referring to FIG. 3, the financial server 300 may include an interface unit 310, a loan examination unit 320, a storage unit 330, a contract generation unit 340, a customer authentication unit 350, and a loan processing unit 360. Include.

The interface unit 310 supports wired / wireless connection with the employee terminal and the customer terminal 400 using at least one communication protocol of a mobile communication network, a wireless LAN, a TPC / IP, and a metropolitan area network.

Loan examination unit 320 determines whether the loan of the customer 100 in accordance with the loan examination request received from the employee terminal through the interface unit 310. The loan examination request received from the employee terminal includes customer information, loan amount information, loan rate information, and financial information of the customer 100. The loan examination unit 320 determines whether the loan is possible based on the financial information and the credit information of the customer 100. The loan review unit 320 may obtain credit information of the customer 100 in connection with the credit rating agency.

The loan examination unit 320 may calculate the maximum loan amount, loan interest rate, etc. that the customer 100 can borrow based on the financial information and the credit information of the customer 100. The loan examination unit 320 compares the calculated maximum loan amount and loan interest rate with the loan amount and loan interest rate applied through the loan application, and approves, rejects, and adjusts the loan application result of the customer's loan application. You can decide. The loan examination unit 320 may approve the loan using a smaller amount of the applied loan amount and the maximum loan amount, and the calculated loan rate.

When the loan examination unit 320 receives the loan condition change request information including the loan interest rate discount condition for the discount of the loan interest rate approved by the client terminal 400, the loan interest rate discount product included in the loan condition change request information is subscribed. The loan amount and the loan rate are changed according to the loan condition change request information. The loan examination unit 320 transmits the changed loan amount and loan interest rate to the agreement generation unit 340, so that the agreement reflecting the changed loan amount and loan interest rate can be generated.

The loan examination unit 320 may transmit the loan examination result to the employee terminal through the interface unit 310. In addition, the loan review unit 320 may transmit a job confirmation instruction to the employee terminal instructing the confirmation of the employment status of the customer 100 that is available for loan. Alternatively, the loan review unit 320 may check the employment status of the customer 100 that can be loaned in connection with the employment confirmation server such as the National Tax Service server, the Health Insurance Management Corporation server, the National Pension Service Corporation, the Employment Insurance Management Corporation server, and the like.

The storage unit 330 registers the customer 100 as a loan candidate when the job confirmation completion is registered from the employee terminal for the customer 100 that can be loaned. Alternatively, the storage unit 330 registers the customer 100 whose employment status is confirmed by the loan examination unit 320 as a loan candidate. The storage unit 330 may store a customer ledger of the customer 100, loan account information, authorized certificate information of the customer 100, and the like.

When the customer generation unit 340 is registered as a loan prospector, the agreement generation unit 340 generates various types of agreements necessary for executing the loan to the customer 100 in electronic form according to the loan approval result of the loan review unit 320. In addition, the contract generation unit 340 is a payroll transfer application, new card issuance application, savings subscription so that the customer 100 can apply for payroll transfer, card use, savings subscription, etc. through the customer terminal 400 to discount the loan interest rate Application forms can be generated in electronic form. The agreement generation unit 340 may transmit the agreement and the application generated through the interface unit 310 to the customer terminal 400.

When the customer generation unit 340 is registered as a loan prospector, the loan generation unit 340 may transmit a loan approval notification including information on the loan interest rate and the loan amount of the approved loan to the customer terminal 400 through the interface unit 310. When the loan generation unit 340 receives the loan condition change request information from the customer terminal 400, the agreement generation unit 340 transmits the loan interest rate and the loan amount information changed according to the loan condition change request information to the customer terminal 400. When the agreement generation unit 340 receives the final approval for the changed loan interest rate and the loan amount from the customer terminal 400, the agreement generation unit 340 may generate and transmit the agreement to which the changed loan interest rate and the loan amount are applied to the customer terminal 400.

The customer certification unit 350 compares the certificate of the agreement received from the customer terminal 400 with the certificate information of the customer 100 stored in the storage unit 330 or the certificate authority, thereby validating the certificate certification of the certificate. Determine whether or not. The customer authentication unit 350 may designate a loan approval validity period when the customer 100 is registered as a loan prospective person, and whether the certificate and the accredited certificate authentication for the agreement are received within the loan approval validity period from the customer terminal 400. You can judge. The customer authentication unit 350 transfers the agreement and the authentication certificate for the agreement received from the customer terminal 400 to the loan processing unit 360 if valid.

Loan processing unit 360 processes the deposit in the loan account of the customer 100 in accordance with the authorized agreement. Loan processing unit 360 is a loan of the customer 100 only when the agreement for the loan and the certificate authentication for the agreement is received from the customer terminal 400 of the customer 100 registered as the prospective loan within the loan approval validity period You can deposit a loan into your account.

4 is a flowchart illustrating an on-offline loan service method according to an embodiment of the present invention.

Referring to FIG. 4, in the on-offline loan service, the financial server 300 performs a loan service method.

The financial server 300 receives a loan examination request from the employee terminal (S110). The loan examination request includes customer information, loan amount information, loan rate information, and financial information of the customer 100.

The financial server 300 determines whether the loan is possible based on the financial information and the credit information of the customer 100 (S120). Credit information of the customer 100 may be obtained through a credit rating agency associated with the financial server 300. The financial server 300 may calculate the maximum loan amount, loan interest rate, etc. of the customer 100 based on the financial information and the credit information of the customer 100. The financial server 300 compares the calculated maximum loan amount and loan interest rate with the loan amount and loan interest rate applied through the loan application to approve, reject and adjust the loan application of the loan application of the customer 100. You can decide.

If the loan is not possible for the customer 100, the financial server 300 notifies the employee terminal of rejection (S135).

If the loan is possible for the customer 100, the financial server 300 transmits a job confirmation instruction instructing the employee terminal to confirm the employment status of the customer 100 (S140). The counter staff 200 may check the employment status through the documentary documents submitted by the customer 100. When it is confirmed that the employee of the customer 100 is in a normal state of service, the counter staff 200 registers the job confirmation completion of the customer 100 in the financial server 300 through the employee terminal.

The financial server 300 determines whether the completion of the employment confirmation of the customer 100 is registered (S150).

The financial server 300 registers the customer 100 as a loan planner when the job confirmation completion of the customer 100 is registered (S160). At this time, the financial server 300 may send a loan approval notification SMS text to the customer terminal 400 of the customer 100 registered as a loan prospective. The loan approval notification may include loan interest rate and loan amount information approved as a result of the loan examination. In addition, the loan approval notification may include a loan approval validity period.

The financial server 300 receives a certificate from the customer terminal 400 and the authentication certificate for the agreement required for the loan execution (S170). The agreement required to execute the loan may be generated in the financial server 300 and transmitted to the customer terminal 400. The financial server 300 may generate an initial agreement to which the approved loan interest rate and the loan amount are applied according to the result of the loan examination at the time of the loan approval notification and transmit the generated initial agreement to the customer terminal 400.

Meanwhile, the customer 100 may transmit loan condition change request information including a loan rate discount condition to the financial server 300 through the customer terminal 400. The customer 100 may satisfy a loan interest rate discount condition such as a payroll transfer application, a card transfer application, and a savings application, and accordingly, the loan server may request the loan server to change the loan condition change request information including the loan rate discount condition satisfied by the financial server ( 300).

The financial server 300 registers and processes loan interest rate discount products such as payroll transfer, card use, and savings subscription included in the loan condition change request information, and applies the approved loan rate and loan amount according to the processing result of the loan condition change request. Change it. The financial server 300 transmits the changed loan interest rate and the loan amount information to the customer terminal 400. In this case, the financial server 300 may transmit the processing result for payroll transfer, card use, savings subscription, etc. requested by the customer 100 to the customer terminal 400.

The financial server 300 receives a final approval for the changed loan interest rate and loan amount information from the customer terminal 400 and generates a change agreement to which the changed loan interest rate and loan amount is applied. The financial server 300 transmits the generated change agreement to the customer terminal 400.

The customer 100 may create a contract necessary for executing a loan through the customer terminal 400, perform a certification certificate authentication on the created contract, and transmit it to the financial server 300.

The financial server 300 may effectively execute a loan only when an agreement and a certificate authentication for the agreement are received from the customer terminal 400 within the loan approval validity period.

The financial server 300 receives the agreement from the customer terminal 400, and if the received agreement is authenticated as an authorized certificate, the bank processes the loan by depositing a loan in the loan account of the customer 100 (S180).

5 is a flowchart illustrating an on-offline loan service method according to another embodiment of the present invention.

Referring to FIG. 5, in the on-off line loan service, the financial server 300 performs a loan service method. Compared to FIG. 4, the financial server 300 checks the state of employment of the customer, and will be described based on differences from FIG. 4.

The financial server 300 receives a loan examination request from the employee terminal (S210).

The financial server 300 determines whether the loan is possible based on the financial information and the credit information of the customer 100 (S220).

If the loan is not possible for the customer 100, the financial server 300 notifies the customer terminal 400 of rejection (S235). The financial server 300 may send the loan rejection notification SMS text to the customer terminal 400. Information about the customer terminal 400 may be obtained from customer information included in the loan examination request.

If the loan is possible for the customer 100, the financial server 300 checks the employment status of the customer (S240). The financial server 300 is a certificate of employment, health insurance payment certificate, national insurance certificate submitted by the customer (100) in connection with the employment verification server, such as the National Tax Service server, health insurance management server server, National Pension Service server, Employment Insurance Management Corporation server Check the pension payment certificate, employment insurance payment certificate, etc. can check the employment status of the customer (100). When the financial status of the customer 100 is confirmed, the financial server 300 registers the employment confirmation completion of the customer 100.

The financial server 300 may check the employment status from the server using only the resident registration number of the customer 100 instead of the employment certificate, the health insurance payment certificate, the national pension payment certificate, the employment insurance payment certificate, etc. submitted by the customer 100. .

The financial server 300 determines whether the employment confirmation of the customer 100 is completed (S250).

The financial server 300 registers the customer 100 as a loan planner when the employment confirmation of the customer 100 is completed (S260).

The financial server 300 receives a certificate from the customer terminal 400 and the certificate of the official certificate for the loan execution (S270). The financial server 300 may generate an initial agreement and / or a change agreement and transmit it to the customer terminal 400. The customer 100 may create a contract necessary for executing a loan through the customer terminal 400, perform a certification certificate authentication on the created contract, and transmit it to the financial server 300.

The financial server 300 may effectively execute a loan only when an agreement and a certificate authentication for the agreement are received from the customer terminal 400 within the loan approval validity period.

The financial server 300 receives the agreement from the customer terminal 400, and if the received agreement is authenticated as an authorized certificate, the bank processes the loan to the loan account of the customer 100 to execute a loan (S280).

It is to be understood that both the foregoing general description and the following detailed description of the present invention are illustrative and explanatory only and are intended to be illustrative of the invention and are not to be construed as limiting the scope of the invention as defined by the appended claims. It is not. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

10, 100: customer
20, 200: teller (staff terminal)
30, 300: financial server
310: interface unit
320: loan examination department
330: storage unit
340: agreement generation unit
350: customer certification
360: loan processing unit
400: customer terminal

Claims (17)

What is claimed is: 1. A method in which a financial server provides on-offline loan service,
Receiving a loan examination request including an application loan amount and financial information of a customer from an employee terminal;
Determining whether the loan is possible for the customer based on the financial information and the credit information of the customer;
Registering the customer as a loan candidate when the loan is available for the customer and the completion of the job confirmation of the customer is registered;
Receiving the agreement for the loan and the official certificate authentication for the agreement from the customer terminal of the customer registered as the loan prospective; And
On-line loan service method comprising the step of depositing the loan to the customer's loan account. The method according to claim 1,
Receiving the agreement and the accredited certificate authentication for the agreement,
Transmitting a loan approval notification including information on an approved loan rate and a loan amount to a customer terminal of a customer registered as a loan potential;
Receiving loan condition change request information including a loan rate discount condition for discounting the approved loan rate from the customer terminal;
Transmitting the loan interest rate and loan amount information changed according to the loan condition change request information to the customer terminal;
Receiving a final approval for the changed loan interest rate and loan amount information from the customer terminal; And
On-offline loan service method comprising the step of generating a contract to which the changed loan rate and loan amount is applied to the customer terminal. The method of claim 2,
On-off line loan service method further comprising the step of subscribing to the loan rate discount products included in the loan condition change request information. The method of claim 2,
The loan approval notification includes a loan approval validity period, and deposits a loan in the customer's loan account only when a contract for loan and an accredited certificate authentication for the agreement are received from the customer terminal within the loan approval validity period. On-offline loan service method of processing. The method according to claim 1,
Determining whether the loan is possible for the customer,
Calculating a maximum loan amount and a loan rate of the customer based on the financial information and the credit information of the customer; And
And approving the loan at the lesser of the applied loan amount and the maximum loan amount, and the calculated loan interest rate. The method according to claim 1,
Determining that the loan is possible for the customer, and if the loan is possible for the customer, transmitting a job confirmation instruction to the employee terminal instructing confirmation of the employment status of the customer;
On-offline loan service method is completed by the employee terminal is complete confirmation of the tenure of the customer. The method according to claim 1,
Determining whether the loan is available to the customer, and if the loan is available to the customer, confirming the employment status of the customer in association with the employment confirmation server;
On-line loan service method of the customer confirmation of the completion of employment is registered by the financial server. The method according to claim 1,
On-line loan service method of the customer credit information is obtained through a credit rating agency associated with the financial server. In the financial server for on-line loan service,
A loan examination unit determining whether the loan is possible for the customer based on the financial information and the credit information of the customer received from the employee terminal;
A storage unit capable of loaning the customer, and registering the customer as a loan candidate when completion of the job confirmation of the customer is registered;
A customer authentication unit that determines whether the certificate of authentication for the loan received from the customer terminal of the customer registered as the loan candidate is valid; And
A financial server for an on-offline loan service comprising a loan processing unit for depositing a loan into the customer's loan account according to the agreement. 10. The method of claim 9,
The loan examination unit transmits a job confirmation instruction instructing the customer terminal to confirm the employment status of the customer, if possible loan to the customer,
The financial server for the on-offline loan service is registered through the employee terminal of the customer confirmation of employment. 10. The method of claim 9,
The loan examination unit checks the employment status of the customer in association with the employment confirmation server, the financial server for the on-offline loan service to register the completion of the employment confirmation of the customer in the storage unit. 10. The method of claim 9,
The loan examination unit is a financial server for on-line loan service for processing the subscription rate of loan interest discount products included in the loan condition change request information received from the customer terminal. 10. The method of claim 9,
The loan examination unit calculates the maximum loan amount and the loan rate of the customer based on the financial information and the credit information of the customer, and makes a loan at the lesser of the applied loan amount and the maximum loan amount, and the calculated loan rate. Financial server for on-offline loan services that approve. The method of claim 13,
And a contract generation unit for electronically generating a contract required to execute a loan for the customer registered as the loan candidate according to the loan approval result of the loan review unit. The method of claim 14,
The agreement generation unit transmits a loan approval notification including the approved loan rate and loan amount information to the customer terminal of the customer registered as the prospective loan, the loan rate for the discount of the approved loan rate received from the customer terminal The loan rate and the loan amount information changed according to the loan condition change request information including the discount condition are transmitted to the client terminal, and according to the final approval of the client terminal, a contract to which the changed loan interest rate and the loan amount is applied is generated to generate the agreement. Financial server for on-line loan service to send to the terminal. The method of claim 15,
The loan approval notification includes a loan approval validity period, and when the loan processing unit receives a contract for a loan and an accredited certificate authentication for the contract from the customer terminal of the customer registered as the loan prospective within the loan approval validity period A financial server for an on-offline loan service for depositing a loan into the customer's loan account. 10. The method of claim 9,
The loan review unit is a financial server for on-offline loan service to obtain credit information of the customer in association with a credit rating agency.

Images