KR20140055722A - Online system for movable property mortgage loan - Google Patents

Abstract

The present invention relates to an online movable property mortgage loan system, including an article DB for storing a previously constructed article list and evaluation information about each article; and a server. The server comprises: a member application part for performing member subscription using customer human information received from a network by being inputted from a customer terminal; a loan appraisal part which receives a loan application from a member certified customer terminal whose member application is completed, and calculates a loanable money for a loan article by extracting corresponding appraisal information by searching the article DB by the received information of the loan article in case the information of the loan article is received; and a contract part which provides the loanable money for the member certified customer terminal, and judges that a contract for the loan article comes into business in case there is a consent for the loanable money by the member certified customer terminal and an electronic signature on a contract is achieved by the member certified customer terminal. By this, the present invention can process an online task related with a movable property mortgage loan, by comprising a function of calculating a loanable money through the information of an article received from an online customer and an online contract conclusion function based on the same.

Description

Online system for movable property mortgage loan

The present invention relates to an online mortgage lending system and a method of operating the same, and more particularly, to an online mortgage lending system capable of effectively contracting a mortgage loan online.

Recently, with the development of network and IT technology, a variety of financial transactions that have conventionally been performed offline are being implemented online.

The online lending system, which introduces various methods to carry out screening based on the request for lending online, is being used in connection with the lending business during financial transactions.

However, in the case of mortgage loans during the lending business, the development of an online lending system, in which all processes can be implemented online, is insufficient.

KR 10-2011-0095762 A, 2011. 08. 25, drawing 1

The object of the present invention is to provide a computerized online mortgage loan system in which a customer can enter into a mortgage loan contract online by computerizing all processes such as loan application for a mortgage loan, examination of a loan, calculation of a loanable amount, .

According to an aspect of the present invention, there is provided an online mortgage lending system including an online mortgage lending system for storing a list of goods established in advance for mortgage loans and evaluation information on each of the goods Article DB; A membership subscriber unit for receiving membership information by using customer personal information input from the customer terminal and received through the network, a membership subscriber unit for receiving a loan application from the member authenticated customer terminal, A loan examination unit for searching the article DB by information of the received secured article, extracting corresponding evaluation information, and calculating a loanable amount for the secured article using the extracted evaluation information; Providing the loanable amount to the member authentication client terminal, and if the member authentication client terminal agrees with the loanable amount, a contract reflecting the loanable amount is created and provided to the member authentication client terminal , When an electronic signature is made on the contract by the member authentication client terminal Characterized in that it comprises a server having a contract is determined that the contract for the collateral products that operate parts.

The evaluation information on each article stored in the article DB can be adjusted and updated by at least one of a store price, a new product availability, a purchase date, and a wholesale price for each article.

The membership subscriber unit further includes a real name authentication module for performing real name authentication using the received customer personal information, and the member authenticated customer terminal may be a terminal whose real name authentication has been completed by the member registration and the real name authentication module .

Wherein the evaluation information is implemented by an article state classification code that is classified into a plurality of grades determined for each article according to a product name, a brand name, a model name, a use state, and a model year of each article, and the loan review section refers to the article state classification code You can calculate the loanable amount.

The loan examination unit may further include an article feature extraction module for analyzing an image of the article among the information of the received secured article to estimate a shape, a color, a component, a size, and a weight, It is possible to extract the article from the article DB using the estimated article characteristics and extract the evaluation information on the extracted article. Here, the lending judging unit may correct the extracted evaluation information by comparing the value evaluation criteria for each color of the predetermined product with the color of the product estimated by the product feature extraction module.

The loan reviewing unit may further include a first adjustment module for calculating a first adjustment factor based on a current demand condition for the collateral item and adjusting the calculated loanable amount using the first adjustment factor have.

The information of the received collateral item may include bibliographic information on the image of the article, the model of the article, and the specification.

The present online mortgage loan system further includes a user input unit, wherein the user input unit receives a second adjustment factor determined in response to the state of the real object when the real object of the secured product arrives and the user checks the real condition The loan checking unit may further include a second adjusting module for adjusting the loanable amount using a second adjusting factor input through the first input module.

The contracting unit may further include a personal credit information inquiry module for inquiring the personal credit before providing the loanable amount to the member authenticated customer terminal and an approval decision module for deciding whether to approve the loan considering the inquired personal credit status And the contracting unit can provide the loanable amount to the member-authenticated customer terminal if the loan approval is determined by the approval-or-disapproving module.

The present online driving mortgage loan system further includes a user input unit and further includes a user input unit, and the user input unit selects whether to transfer the loanable amount to the account of the customer who has established the contract after the contract is established And the contracting unit may further include a loan remittance module for remitting the loanable amount to the account of the customer having the contract if the remittance is selected through the second input module.

Wherein the contracting unit further includes a photographing module that stores an image of the photographed object when the real object of the collateralized object arrives and the photographed object is photographed off-line, An image of the collateral item in the information or an image of the real object stored in the photographing module together with the lendable amount to the member authentication customer terminal.

As described above, the present invention can handle all the matters related to the mortgage loan on-line by having the function of calculating the loanable amount through the information of the article received from the customer on line and the online-phase contract-concluding function based thereon .

 In addition, the present invention performs authentication of a person through a mobile phone, a credit card, and an official certificate prior to the conclusion of a mortgage loan contract, interlocks with an external credit evaluation system, and transfers money only when a secured object arrives. The risk can be reduced.

Further, the present invention can reliably evaluate the article by continuously updating the article DB, and the price can be adjusted through the user input unit when calculating the lendable amount, so that it is possible to calculate the lendable amount more accurately.

By the effect expected from the present invention as described above, it is possible to facilitate promptness, accuracy, safety, and convenience in the mortgage lending business while facilitating work such as loan application, contract signing, loan transfer, .

1 is a conceptual diagram of an online personal property mortgage lending system according to an embodiment of the present invention.
2 is a functional block diagram of a server according to an embodiment of the present invention.
3 is a flowchart illustrating an example of an operation method of an online personal property mortgage lending system according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an online mortgage lending system according to an embodiment of the present invention will be described with reference to the accompanying drawings.

On-line mortgage loan system is a system for loan application, examination, approval, electronic contract, electronic contract through loan (mortgage, credit card, official certificate, universal certificate) It is a loan system that can transfer money. 1 is a conceptual diagram of an online personal property mortgage lending system according to an embodiment of the present invention.

Referring to FIG. 1, the online personal property loan system 1 may include an article DB 100, a server 200, and a customer terminal 300 connected through a network.

The article DB 100 according to the present embodiment stores an article list constructed in advance for the mortgage-backed loan and evaluation information on each article.

The evaluation information on each article stored in the article DB 100 may be adjusted and updated by at least one of a store price, a new product availability, a purchase date, and a wholesale price for each article.

The evaluation information may be embodied in an article state classification code classified into a plurality of grades determined for each article according to a product name, a brand name, a model name, a use state, and a model year of each article.

For example, as the evaluation information, the goods status classification code can be expressed in seven grades such as s, sa, a, ab, b, bc, and c in order from upper class to lower class. This article state classification code can be used when calculating the lendable amount in the server 200.

The server 200 is connected to the customer terminal 300 through a network constructed in advance and performs a control procedure for a mortgage loan agreement in conjunction with the product DB 100.

2 is a functional block diagram of a server according to an embodiment of the present invention. Hereinafter, the server 200 will be described with reference to FIG.

The server 200 can be divided into a membership subscriber unit 210, a loan review unit 220, a contract unit 230, and a user input unit 240 in terms of functionality. This functional division is for convenience, and the server 200 is not necessarily divided into such functional blocks.

The membership subscription unit 210 performs subscription using the customer personal information received from the customer terminal 300 and received through the network. In order to secure such personal information, the server 200 may first provide an interface screen for inputting customer personal information to the customer terminal 300.

Also, the membership subscription unit 210 may include a real name authentication module 215 that performs authentication through the received personal information and the consent of the customer. The real name authentication is performed under the approval of the customer through the customer terminal 300. The user terminal having completed member registration and real name authentication can be recognized by the server 200 as a member-authenticated customer terminal.

With such real name authentication, the online personal property secured loan system 1 according to the present embodiment can improve the reliability of the gold transaction.

The loan reviewing unit 220 receives the loan application through the member-authenticated customer terminal having completed the member registration and receives the information of the secured goods for the mortgage-secured loan. The information of the collateral item may generally consist of the state of the article, the image of the article so that the specification of the article can be confirmed, the model of the article and the bibliographic information on the specification.

The loan checking unit 220 searches the goods DB 100 for information on the secured product received, extracts the corresponding evaluation information, and calculates a loanable amount for the secured product using the extracted evaluation information.

As described above, the evaluation information may be implemented as a goods state classification code defined in a predetermined grade, and the loan review unit 220 may calculate a loanable amount of the article using the article state classification code.

The loan examination unit 220 may further include an article feature extraction module 222 for analyzing the image of the article among the information of the received secured article to estimate shape, color, component, size, and weight.

The loan check unit 220 extracts the article from the article list of the article DB 100 using the characteristics of the article estimated by the article feature extraction module 222 and extracts evaluation information on the extracted article have.

In addition, the loan examination unit 220 can modify the evaluation information by comparing the color evaluation reference of each product with the hue of the product estimated by the product feature extraction module 222. [

Accordingly, the online personal property loan system 1 can modify the evaluation information of the article by reflecting the color of the collateral article, and adjust the lendable amount according to the preferred color of the article.

The loan reviewing unit 220 includes a first adjustment module 224 for calculating a first adjustment factor based on a current demand condition for the collateral item and adjusting the loanable amount calculated above using the calculated first adjustment factor, . ≪ / RTI >

That is, it is possible to further adjust the loanable amount calculated by the article state classification code by the first adjustment module 224. As a result, the value judgment criteria of the articles not reflected in the article DB 100 can be supplemented.

Also, the loan checking unit 220 may include a second adjusting module 226 that can adjust the loanable amount calculated by the goods state classification code by the user.

The second adjustment module 226 can adjust the loan function amount by the second adjustment factor input through the first input module 244 of the user input unit 240 described later.

The second adjustment factor can be determined in response to the state of the irradiated object when the real object of the collateral item arrives before the lendable amount is determined and the user checks the real condition.

In this way, the online personal property secured lending system (1) according to the present embodiment can reflect the real state in the calculation of the lendable amount in the case where the real property of the collateral item is secured before the lendable amount is set, It can be decided appropriately.

The contracting unit 230 provides the loanable amount calculated by the loan checking unit 220 to the member authentication client terminal 300 and the member authentication client terminal 300 confirms that the loanable amount , A contract document reflecting the loanable amount is created and provided to the member authentication client terminal 300.

The contracting unit 230 determines that the contract for the collateral item is established when the member authentication client terminal 300 has digitally signed the contract. If it is determined that the contract has been established as described above, the contracting unit 230 may provide the member authenticated customer terminal 300 with a document including the electronic signature completed contract and the pre-stored contract for the mortgage loan.

The contracting unit 230 determines whether or not to approve the loan by taking into account the personal credit status inquired and the personal credit information inquiry module 232 for inquiring the personal credit before providing the loanable amount to the member authentication client terminal 300 And a determination module 234 for determining whether to approve the request.

The contract unit 230 may include a contract document output module 236 for providing a contract created in the member authentication client terminal 300 and sending a contract created offline to the customer who has made a contract agreement.

The contract section 230 can provide the loanable amount to the member authentication customer terminal 300 when the approval of the loan is determined by the approval decision module 234.

In addition, the contracting unit 230 may include a photographing module 238 for storing an image of a real object of the captured collateral when the real object of the collateral is received via the off-line and the real object is photographed.

The contract unit 230 provides the image of the collateral item or the image of the real object stored in the photographing module 238 among the information of the collateral items received from the customer terminal 300 to the member authentication client terminal 300 together with the loanable amount .

The contracting unit 230 may include a loan transferring module 235 for transferring a loan according to a user's request even when a contract for a collateral item is established.

The loan remittance module 235 can remit the loanable amount to the account of the customer only when the remittance by the user is selected through the second input module 246 of the user input section 240 described later.

Accordingly, the online personal property loan lending system 1 according to the present embodiment can reduce the burden of contract failure because the user can perform the remittance transfer after confirming the real object of the collateralized product.

Hereinafter, an operation method of the online personal property mortgage loan system 1 according to an embodiment of the present invention will be described with reference to FIG. Here, the operation of the server 200 will be mainly described. 3 is a flowchart illustrating an example of an operation method of an online personal property mortgage lending system according to an embodiment of the present invention.

First, the server 200 performs a membership registration control procedure using the customer personal information input from the customer terminal 300 through the network (S305), and performs a real name authentication procedure under the consent of the customer (S310) .

Then, the server 200 receives the loan application from the member-authenticated customer terminal 300 that has been registered and receives the information of the secured goods for the mortgage loan (S315).

Next, the server 200 searches the article DB 100 according to the received collateral item information and searches for corresponding evaluation information (S320), and determines an article state classification code corresponding thereto (S325).

Next, the server 200 calculates a loanable amount of the article using the article state classification code (S330).

The borrowable amount calculated in step S330 controls the borrowable amount calculated in step S330 based on the current demand condition for the collateral item, and when the real object of the collateral item arrives, The amount of money that can be borrowed can be adjusted (S335).

Next, the server 200 may inquire personal credit information and determine whether to approve the loan before providing the loanable amount calculated in the above step to the member authentication client terminal 300 (S340).

Next, when the loan approval is determined in step S340, the server 200 transmits an image of the collateral item or the image of the real object, which is obtained from the information of the collateral item received from the customer terminal 300, (S345).

Next, when there is agreement on the loanable amount provided by the step S345 from the member authentication client terminal 300, the server 200 creates a contract reflecting the loanable amount and provides the contract to the member authentication client terminal 300, If it is determined in step S350 that a contract for the collateral item is established, the contracted customer terminal determines that a contract for the collateral item is established.

Next, in a case where it is determined that the contract is established in step S350, the server 200 provides the document including the contract with which the digital signature is completed and the contract for the mortgage loan previously stored to the member authentication client terminal 300 S355).

Next, when the establishment of the contract is confirmed in step S350, the server 200 determines whether the remittance by the user exists through the user input unit 240. If the remittance instruction by the user is selected (S360 ), And remittances the available loan amount shown on the contract to the customer's account (S365).

Steps S310, S335, and S360 may be selectively omitted as needed. In addition, from the standpoint of those skilled in the art, various operating methods can be predicted from the constitution of the online mortgage lending system 1.

1: Online mortgage loan system
100: Goods DB
200: Server
210: Membership Department
215: Real name authentication module
220: Loan review department
222: goods feature extraction module
224: first adjustment module
226: second adjustment module
230: Contracting Department
232: personal credit information inquiry module
234: Approval module
235: Loan Money Transfer Module
236: Agreement Output Module
238: photographing module
240: User input
244: first input module
246: second input module
300: Customer terminal

Claims (12)

An article DB for storing a list of articles constructed in advance for the mortgage loan and evaluation information on each article; And
A membership subscriber unit for receiving membership information by using the customer personal information inputted from the customer terminal and received through the network, a member subscription unit for receiving the loan application from the member authenticated customer terminal, A loan examination unit for searching the article DB by information of the received secured article and extracting corresponding evaluation information and calculating a loanable amount for the secured article using the extracted evaluation information; Providing a loanable amount to the member authenticated customer terminal, and if the member authenticated customer terminal agrees with the loanable amount, a contract reflecting the loanable amount is created and provided to the member authenticated customer terminal, When the member authentication client terminal has digitally signed the contract, Garden online mortgage system that includes a server that includes parts of the contract that determines that the agreement for the establishment of security product features. The method according to claim 1,
Wherein the evaluation information for each article stored in the article DB is updated by being adjusted by at least one of a store price, a new product availability, a purchase date, and a wholesale price for each article. The method according to claim 1,
Wherein the membership subscriber unit further comprises a real name authentication module for performing a real name authentication using the received customer personal information,
Wherein the member authentication client terminal is a terminal that has completed member registration and real name authentication by the real name authentication module. The method according to claim 1,
Wherein the evaluation information is implemented with an article state classification code classified into a plurality of classes determined for each article according to a product name, a brand name, a model name, a use state, and a model of each article,
And the loan checking unit calculates the loanable amount with reference to the article state classification code. The method according to claim 1,
The loan examination unit further includes an article feature extraction module for analyzing the image of the article among the information of the received secured article to estimate shape, color, component, size and weight,
Wherein the loan examination section extracts the article from the article list of the article DB using the characteristics of the article estimated by the article feature extraction module and extracts the evaluation information on the extracted article Loan system. 6. The method of claim 5,
Wherein the loan examination unit corrects the extracted evaluation information by comparing a value evaluation standard for each color of the predetermined article with a color of the article estimated by the article feature extraction module. The method according to claim 1,
Wherein the loan checking unit further comprises a first adjustment module for calculating a first adjustment factor based on a current demand condition for the collateral item and adjusting the calculated loanable amount using the first adjustment factor Featured online mortgage loan system. The method according to claim 1,
Wherein the information of the received collateral item includes bibliographic information on an image of the article, a model of the article, and specifications of the article. The method according to claim 1,
Further comprising a user input section
Wherein the user input unit includes a first input module for inputting a second adjustment factor determined in response to the state of the illuminated object when the user checks the status of the real object when the real object of the secured product is received,
Wherein the loan checking unit further comprises a second adjusting module for adjusting the loanable amount using a second adjusting factor input through the first input module. The method according to claim 1,
The contracting unit may further include a personal credit information inquiry module for inquiring the personal credit before providing the loanable amount to the member authenticated customer terminal and an approval decision module for deciding whether to approve the loan considering the inquired personal credit status and,
Wherein the contracting unit provides the loanable amount to the member authentication customer terminal when the loan approval is determined by the approval / disapproval determination module. The method according to claim 1,
Further comprising a user input,
Wherein the user input unit includes a second input module for selecting whether to transfer the loanable amount to the account of the customer who has established the contract after the contract is established,
Wherein the contracting unit further comprises a loan remittance module for remitting the loanable amount to the account of the customer who has the contract if the remittance is selected through the second input module. The method according to claim 1,
Wherein the contracting unit further comprises an imaging module for storing an image of the photographed object when the real object of the collateral object is received via the off-line and the real object is photographed,
Wherein the contracting unit provides the image of the collateral item of the collateral item received from the customer terminal or the image of the real object stored in the photographing module to the member authentication client terminal together with the lendable amount system.

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