KR20150101968A

KR20150101968A - A method for personal credit loan with ATM and a system using it

Info

Publication number: KR20150101968A
Application number: KR1020150097897A
Authority: KR
Inventors: 김수정; 정해주; 이현경; 이지영
Original assignee: 김수정; 정해주
Priority date: 2015-07-08
Filing date: 2015-07-08
Publication date: 2015-09-04

Abstract

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and system for providing an account such as a deposit method and a deposit / fund / trust, and more particularly to a technique for providing a credit service through an automatic financial transaction terminal (ATM). The present invention relates to an unmanned banking system, which comprises an automatic teller machine (ATM) 100 and a loan service providing server 200 connected to the automatic financial transaction terminal 100 via a wired / The automatic financing transaction terminal 100 includes a loan service unit 110 including a display module for displaying an interface for a loan service on a screen of an automatic financial transaction terminal, a communication module for communicating with an external server An input unit 130 for inputting a user, a cash payment unit 140 for paying out the received cash, and a control unit 150 for controlling the automatic financial transaction terminal 100; The loan service providing server 200 includes a credit information inquiry module 210 for inquiring credit information of a user, an account inquiry module 220 for inquiring a user's bank account, And a loan transaction module (230) for determining a period of time.

Description

[0001] The present invention relates to an automated teller machine (ATM)

The present invention relates to a system and a method for providing an account opening detail such as a lending method and a deposit (accumulation) type deposit / fund / trust without directly facing the window of a financial institution such as a bank, To provide a lending service through the Internet.

For an individual, credit lending is not easy due to cumbersome procedures such as certification, limit inquiry, and approval. In order to obtain a loan from a bank or a lender, many documents and time are required. Efforts to simplify such troublesome lending procedures have been made using various means such as telephone and internet.

The present invention relates to an on-line personal property mortgage lending system, wherein the on-line personal property mortgage lending system comprises: an article DB storing an article list constructed in advance and evaluation information on each article; A membership subscriber unit for receiving membership information by using the customer information inputted from the customer terminal and received through the network, and a member accepting unit for receiving the loan application from the member authenticating customer terminal, A loan examination unit for searching the article DB by the information of the received secured article and extracting corresponding evaluation information to calculate a loanable amount for the secured article; and a credit check unit for providing the loanable amount to the member authentication customer terminal And a contract unit for determining that a contract for the collateral item is established when the member authenticated customer terminal has a consent to the loanable amount and an electronic signature is signed in the contract by the member authenticated customer terminal, . Accordingly, the disclosure of Japanese Patent Application Laid-Open No. 10-2014-0055722 has a function of calculating a loanable amount through information of an article received from a customer on-line and a function of concluding an online contract based on the calculated amount of the loanable amount, Lt; / RTI >

Open Patent Publication No. 10-2013-0095392 discloses an online loan intermediation service method, which comprises terminals of a loan applicant on-line through communication means such as the Internet, terminals of a guarantor who guarantees the loan applicant, And a loan intermediation server for intermediating a loan on-line and managing a loan intermediation web page, and mediating an online loan to the loan applicant, and more particularly, the present invention relates to an online loan intermediation service method The loan intermediation server receives and registers the loan application information from the terminal of the loan applicant and discloses all or a part of the loan application information on the loan intermediation web page, And the loan applicant is allowed to give a loan to himself / herself The loan guarantees are provided to the lenders, and at the same time, the lenders can lend money to the lenders by making loans to the insured loan applicants guaranteed by the guarantor to the lenders, and the lenders are allowed to borrow money To a loan brokerage service method.

When a product is sold at an online merchant through a specific payment means selected by a customer among a plurality of payment means, the system for providing a loan service according to an embodiment of the disclosure of Japanese Patent Application Laid-Open No. 10-2014-0134978 utilizes the sales information associated with the online merchant A payment gateway (PG) for determining a credit limit of the online merchant, requesting a loan service of the online merchant within the credit limit, and redeeming the loan amount of the online merchant when the amount corresponding to the payment means is deposited, And a loan service providing server for providing a loan service to the online merchant and receiving a loan amount of the online merchant from the PG server when the request is made from the server and the PG server to execute the loan of the online merchant. According to the above configuration, it is possible to secure the liquidity of the online merchant by providing the loan service in near real time according to the sales information of the online merchant through the specific payment means selected by the customer among the plurality of payment means.

The above techniques disclose a loan procedure or a loan condition improvement technique. However, the above technologies are limited to the physical domain on-line.

Open Patent No. 10-2014-0055722 'Online mortgage loan system', publication date May 09, 2014 Open Patent No. 10-2013-0095392 'Online Loan Brokerage Service Method', public date August 28, 2013 Open Patent No. 10-2014-0134978 'Method of Providing Loan Service Using Revenue Information of Online Merchants and System to Execute the Loan Service', publication date November 25, 2014

As described above, since the conventional loan-related technologies are limited to the online area, it is difficult to access to users who are not familiar with the Internet, pin-tec, and smart phone.

Accordingly, the present invention provides a technique for enabling a user to use a loan service more easily by using an ATM (Automatic Teller's Machine) installed in a bank, a convenience store, a subway station, or the like.

The present invention further provides a service for directly depositing or depositing a deposit in an ATM.

In the unmanned banking system, an automatic teller machine (ATM) 100 and a loan service providing server 200 connected to the automatic financial transaction terminal 100 via a wired / wireless communication network are provided. The automatic financial transaction terminal 100 includes a loan service unit 110 including a display module for displaying an interface for a loan service on a screen of an automatic financial transaction terminal, a communication A module 120, an input unit 130 for inputting a user, a cash dispenser 140 for dispensing cash stored therein, and a control unit 150 for controlling the automatic financial transaction terminal 100 ; The loan service providing server 200 includes a credit information inquiry module 210 for inquiring credit information of a user, an account inquiry module 220 for inquiring a user's bank account, And a loan transaction module (230) for determining a period and a term of the unmanned financial system.

According to the present invention, there is an advantage that, as an ATM, a user can easily carry out deposit and withdrawal work such as providing and opening an account opening account such as a loan and a deposit (accumulation) type deposit / fund / trust.

According to the configuration of the present invention

1. Reduction of labor costs and window congestion during the financial period.

2. Reduction of document preparation cost and reduction of documents to be archived.

3. Provide new financial services (deposit and immediate funding) with existing facilities Provide availability

And the like can be expected.

In addition, the account setup of the present invention is not limited to deposits and savings, but also provides a wide range of choices, including the opening of a fund account or the like.

1 is a configuration diagram of a preferred embodiment of the unmanned financial system of the present invention;
FIG. 2 is a flowchart showing a preferred embodiment of a method of borrowing using an automatic financial transaction terminal according to the present invention; FIG.
3 is a flowchart showing a preferred embodiment of a method for opening a financial account using the unmanned banking system of the present invention.
4 is a flow chart illustrating a specific embodiment on ATM of the unmanned banking system of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a block diagram of a preferred embodiment of the unmanned financial system of the present invention.

The present invention relates to an automatic teller machine (ATM) 100, an automatic teller machine 100, and a mobile terminal 100. The automatic teller machine 100 includes an unmanned banking system (including a plastic card as a transaction means and a mobile card as an alternative means) And a loan service providing server 200 connected to a wired / wireless communication network. The automatic financial transaction terminal 100 includes a display module for displaying an interface for a loan service on a screen of an automatic financial transaction terminal, A communication module 120 for communicating with an external server, an input unit 130 for inputting a user, a cash payment unit 140 for paying out the received cash, an automatic financial transaction terminal 100), the control unit (150) The loan service providing server 200 includes a credit information inquiry module 210 for inquiring credit information of a user, an account inquiry module 220 for inquiring a user's bank account, And a lending transaction module 230 for determining a period of time, and provides an unmanned banking system (including a plastic card as a transaction means and a mobile card or the like as an alternative means).

The loan method of the present invention using the unmanned financial system as described above

Displaying the loan interface by the loan service unit 110 of the automatic financial transaction terminal 100;

User authentication step (s200);

A credit rating or assurance possible account inquiry step (s300) by the credit information inquiry module 210 and the account inquiry module 220 of the loan service providing server 200;

Whether or not the loan can be made by the loan transaction module 230 of the loan service providing server 200 and calculating a limit (s400);

Outputting of the loan terms by the loan service unit 110 of the automatic financial transaction terminal 100 and approval step (s500) thereof;

A step S600 of determining a loan amount and a loan term through the input unit 130 of the automatic financial transaction terminal 100;

A step (s700) of providing a loan through cash payment or account deposit stored in the automatic financial transaction terminal 100;

And a control unit.

The user authentication step (s200) is for confirming the identity of the user of the lending service, and includes inputting the user's mobile communication telephone number (s210); Transmitting the input mobile communication telephone number to the loan service server 200 (S220); Sending an approval number to the user's mobile communication terminal using the mobile communication telephone number (S230); And inputting an approval number through the input unit 130 of the automatic financial transaction terminal 100 (s240).

It is needless to say that the user can input the personal information such as the date of birth, address, and the like as well as the step of checking.

The credit rating or guaranteeable account inquiry step (s300) by the credit information inquiry module 210 and the account inquiry module 220 of the loan service providing server 200 is performed by the loan service providing server 200 And accessing the server to inquire credit information of the user. You can also check if you have secured your account through your bank account. The inquiry result according to this procedure can be utilized as basic data for the calculation of the interest rate, and the present invention provides a configuration that allows the user to make a choice of setting up a mortgage for his / her deposit / account. The loan interface of the loan service department 110 according to the security setting may display an additional guidance and setting procedure menu according to the security setting.

The loan availability and limit calculation step s400 of the loan service providing server 200 of the loan service providing server 200 can provide the interest rate and the limit according to the inquiry result, It is also possible to apply it.

The step s700 of paying the cash stored in the automatic financial transaction terminal 100 or depositing the money through the account transfer allows the cash payment unit 140 of the automatic financial transaction terminal 100 to pay out the loan to the user And can be configured to send funds directly to the required account as needed.

Further, the present invention provides a service and system for establishing a deposit / withdrawal type and a loan account. That is, the present invention further includes an account opening service providing server 300 such as a deposit (accumulated) type deposit / fund / trust, which is connected to the automatic financial transaction terminal 100 through a wired / wireless communication network,

The automatic financial transaction terminal 100 includes an account opening service unit 160 including a display module for displaying an interface for an account opening service on the screen of the automatic financial transaction terminal;

The account opening service providing server 300 includes a transaction history inquiry module 310 for inquiring transaction details of a user, a database 320 storing a list of service products such as deposit / savings accounts (including funds / trust) And an account opening module (330) for processing the opening service.

The method of opening a financial account using the unmanned financial system,

An account opening interface display step s1100 by the account opening service unit 160 of the automatic financial transaction terminal 100;

Selecting an account opening type through an input unit 130 of the automatic financial transaction terminal 100 (s1200);

A list of goods received from the database 320 storing a list of account opening service products of the account opening service providing server 300 such as a deposit (accumulated) type deposit / fund / trust is displayed on the screen of the automatic financial transaction terminal 100 Step s1300;

A product selection step (S1400) through an input unit (130) of the automatic financial transaction terminal (100);

A period and amount input step (s1500) through the input unit 130 of the automatic financial transaction terminal 100;

A step (s1600) of sending an approval number from the account opening service providing server 300 to the CRM registered mobile communication terminal of the user;

An authorization number input step (S1700) through the input unit 130 of the automatic financial transaction terminal 100;

Inputting and generating a password through the input unit 130 of the automatic financial transaction terminal 100 (s1800);

And an account opening step (s1900) by the account opening module 330 of the account opening service providing server 300. [

An account opening type selection step (s1200) through the input unit 130 of the automatic financial transaction terminal 100 enables selection of account types such as deposits, savings, and funds.

The step (s1300) of displaying the received commodity list on the screen of the automatic financial transaction terminal 100 for applying the individual items such as the application of the preferential interest rate of the user,

A preferential interest rate calculation step (s1310) for applying an interest rate (or approved by headquarters) to the branch office;

(S1320) outputting the calculated preferential interest rate on the screen of the automatic financial transaction terminal 100 together with the product list;

.

The period and the amount inputting step s1500 through the input unit 130 of the automatic financial transaction terminal 100 can be selected when the selected commodity is an account amount (for example, a 3/6/9/12 month rotatable type is selected) If this is a fund / trust account, it may contain additional entries for that type.

A step S1600 of sending an approval number from the account opening service providing server 300 to the CRM registered mobile communication terminal of the user and a step of inputting an approval number through the input unit 130 of the automatic financial transaction terminal 100 An additional authentication procedure such as an electronic signature can be added as needed.

The above procedures can be implemented in the embodiment of FIG. In other words, the user can receive the loan and the example / savings (including the fund / trust) service in addition to the existing transaction (withdrawal / inquiry / transfer /

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it should be understood that various changes and modifications will be apparent to those skilled in the art. It is to be understood that the present invention is not limited to the above-described embodiments. Accordingly, the scope of protection of the present invention should be construed according to the following claims, and all technical ideas which fall within the scope of equivalence by alteration, substitution, substitution, Range. In addition, it should be clarified that some configurations of the drawings are intended to explain the configuration more clearly and are provided in an exaggerated or reduced size than the actual configuration.

100. Automatic financial transaction terminal
110. Loan Service Department
120. Communication module
130. Input unit
140. Cash Payment Department
150. Control unit
160. Account opening service department
200. Loan service providing server
210. Credit information inquiry module
220. Account inquiry module
230. Loan transaction module
300. Account opening service providing server
310. Transaction history inquiry module
320. Database
330. Account opening module

Claims

In an unmanned financial system,
An automatic teller machine (ATM) 100 and a loan service providing server 200 connected to the automatic financial transaction terminal 100 via a wired / wireless communication network,
The automatic financing transaction terminal 100 includes a loan service unit 110 including a display module for displaying an interface for a loan service on a screen of an automatic financial transaction terminal, a communication module 120 for communicating with an external server, An input unit 130 for inputting a user, a cash payment unit 140 for paying out the received cash, and a control unit 150 for controlling the automatic financial transaction terminal 100;
The loan service providing server 200 includes a credit information inquiry module 210 for inquiring credit information of a user, an account inquiry module 220 for inquiring a user's bank account, And a loan transaction module (230) for determining a period of time.

The method according to claim 1,
And an account opening service providing server 300 connected to the automatic financial transaction terminal 100 via a wired / wireless communication network,
The automatic financial transaction terminal 100 includes an account opening service unit 160 including a display module for displaying an interface for an account opening service on the screen of the automatic financial transaction terminal;
The account opening service providing server 300 includes a transaction history inquiry module 310 for inquiring transaction details of a user, a database 320 storing a list of deposit / withdrawal service products, an account opening service for processing an account opening service Module (330).

A method of making a loan using the unmanned financial system of claim 1,
Displaying the loan interface by the loan service unit 110 of the automatic financial transaction terminal 100;
User authentication step (s200);
A credit rating or assurance possible account inquiry step (s300) by the credit information inquiry module 210 and the account inquiry module 220 of the loan service providing server 200;
Whether or not the loan can be made by the loan transaction module 230 of the loan service providing server 200 and calculating a limit (s400);
Outputting of the loan terms by the loan service unit 110 of the automatic financial transaction terminal 100 and approval step (s500) thereof;
A step S600 of determining a loan amount and a loan term through the input unit 130 of the automatic financial transaction terminal 100;
A step (s700) of providing a loan through cash payment or account deposit stored in the automatic financial transaction terminal 100;
The method comprising the steps of:

The method of claim 3,
The user authentication step (s200)
A step (S210) of inputting the user's mobile communication telephone number;
Transmitting the input mobile communication telephone number to the loan service server 200 (S220);
Sending an approval number to the user's mobile communication terminal using the mobile communication telephone number (S230);
A step (S240) of inputting an approval number through the input unit 130 of the automatic financial transaction terminal 100;
The method comprising the steps of:

A method for opening a financial account using the unmanned financial system of claim 2,
An account opening interface display step s1100 by the account opening service unit 160 of the automatic financial transaction terminal 100;
Selection / selection (including fund / trust) through the input unit 130 of the automatic financial transaction terminal 100 (s1200);
A step S1300 of displaying a list of goods received from the database 320 in which a list of service products of the account opening service providing server 300 is stored on a screen of the automatic financial transaction terminal 100, ;
A product selection step (S1400) through an input unit (130) of the automatic financial transaction terminal (100);
A period and amount input step (s1500) through the input unit 130 of the automatic financial transaction terminal 100;
A step (s1600) of sending an approval number from the account opening service providing server 300 to the CRM registered mobile communication terminal of the user;
An authorization number input step (S1700) through the input unit 130 of the automatic financial transaction terminal 100;
Inputting and generating a password through the input unit 130 of the automatic financial transaction terminal 100 (s1800);
And an account opening step (s1900) by an account opening module (330) of the account opening service providing server (300). A method of opening a financial account using an unmanned banking system

6. The method of claim 5,
The step (s1300) of displaying the received merchandise list on the screen of the automatic financial transaction terminal 100,
A preferential interest rate calculation step (s1310) for applying an interest rate (or approved by headquarters) to the branch office;
(S1320) outputting the calculated preferential interest rate on the screen of the automatic financial transaction terminal 100 together with the product list;
A method for opening a financial account using an unmanned financial system