KR20150141462A - Apparatus for processing information of security for the loan and method - Google Patents

Abstract

The present invention relates to a method for processing security information and an apparatus for managing security. The method for processing security information comprises the steps of: receiving first security information (T1) including a first security image (I1) and first security position information (S1) from a previously registered manager terminal; storing the first security image (I1) and the first security position information (S1) as initial values, and assigning a security registration number to the security; receiving authentication information (A1) from a client terminal, and storing the authentication information in association with the security registration number to register a terminal; monitoring a predetermined imaging period and transmitting the imaging period to the client terminal; and receiving second security information (T2) including a second security image (I2), second security position information (S2), and a security registration number from the client terminal, and verifying validity of the received second security information (T2).

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to an apparatus and a method for processing a collateral information,

The present invention relates to an apparatus and a method for processing a collateral information.

Collateral is set up for the purpose of ensuring the creditors have the means to secure creditors in case of debt default, or to preserve the disadvantages that others may face in the future.

The collateral is largely a personal security and a physical security. A personal security is a security by the method of adding a third party liable property to the liable property of the debtor, and it includes guaranteed debt and solidarity debt. Physical security is a system in which certain assets are assigned to the security of the bonds from among the liable assets, and these include collateral rights such as lien, pledge, and mortgage. Personal security is characterized by simple procedures but uncertain, and physical security is complicated but obvious.

For physical collateral, financial institutions provide collateral by setting up collateral for various property assets such as real estate, plant facilities, raw materials, products and crops as collateral.

In the case of a loan using such collateral, the financial institution that executed the loan requires the control of the collateral.

However, when a collateral is located at a long distance from a financial institution, it becomes difficult to monitor the collateral. Specifically, the loss of time, traffic flow, and expense due to periodic visits by the employees of the financial institution to monitor the collateral occur. This is also the reason for the increase in mortgage interest rate. Accordingly, there is a need for a highly efficient management apparatus and method for the collateral of a remote place.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to enable highly efficient management of collateral information of a remote place.

According to a first aspect of the present invention, there is provided a method for processing a collateral information of a collateral management apparatus in an embodiment of the present invention, the method comprising: The method of claim 1, further comprising: receiving first collateral information (T1) including first collateral position information (S1) and first collateral position information (S1); storing the first collateral image (I1) The method comprising the steps of: assigning a collateral registration number to the collateral; registering the terminal by receiving the authentication information (A1) from the customer terminal and storing it in association with the collateral registration number; (T2) including the second collateral image (I2), the second collateral position information (S2), and the collateral registration number from the customer terminal Receiving, receiving received the storing step and the validity verification result to verify the validity of the two collateral information (T2), and the validity verification result and the collateral images characterized in that it comprises a step of sending to the administrator terminal.

According to a second aspect of the present invention, there is provided an apparatus for processing a collateral information according to an embodiment of the present invention includes a communication unit for transmitting and receiving information for managing collateral with an administrator terminal and a customer terminal, Receiving the photographed security information from the customer terminal, verifying the validity of the security, and transmitting the verification result to the client terminal, And a storage unit for storing and storing the collateral information and the registered customer terminal using the collateral registration number.

According to an embodiment of the present invention, it is possible to manage the collateral and manage the progress of the collateral when desired, so that it is possible to prevent the bank loss from occurring in advance.

According to the embodiment of the present invention, since the control of the collateral located at a remote place is facilitated, the number of visits of the staff who are in charge of the inspection can be reduced, and the management cost of human rights expenses can be reduced, thereby improving the settlement ability.

1 is a network configuration diagram of a collateral information processing apparatus system according to an embodiment of the present invention.
2 is a block diagram of a security information processing apparatus according to an embodiment of the present invention.
3 is a flow diagram of a process for processing collateral information in accordance with one embodiment of the present disclosure.
4 is a flowchart illustrating an operation of the apparatus for processing a collateral information in the process of FIG. 3 according to an embodiment of the present invention.
5 is a detailed flowchart of the photographing cycle monitoring process of FIG.
6 is a detailed flowchart of the process of verifying the validity of the collateral information of the collateral information processing apparatus of FIG.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description. Before describing the present invention in detail, the same components are denoted by the same reference symbols as possible even if they are displayed on different drawings. In the case where it is judged that the gist of the present invention may be blurred to a known configuration, do.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

In describing the embodiments, descriptions of techniques which are well known in the technical field to which this specification belongs and which are not directly related to this specification are not described. This is for the sake of clarity without omitting the unnecessary explanation and without giving the gist of the present invention.

For the same reason, some of the components in the drawings are exaggerated, omitted, or schematically illustrated. Also, the size of each component does not entirely reflect the actual size. In the drawings, the same or corresponding components are denoted by the same reference numerals.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described with reference to the drawings for explaining a method and an apparatus for processing a collateral information according to embodiments of the present invention.

1 is a network configuration diagram of a collateral information processing apparatus system according to an embodiment of the present invention.

Referring to FIG. 1, the system for processing a collateral information according to an embodiment of the present invention may include a collateral information processing apparatus 100, an administrator terminal 200, and a customer terminal 300.

The collateral information processing apparatus 100 stores the acquired collateral information as described later, notifies the next shooting date by monitoring the collateral shooting period, and verifies the validity of the collateral obtained by acquiring the new collateral information.

The administrator terminal 200 may include a portable communication device used by an employee of a financial institution or a portable computer type terminal. The administrator terminal 200 can be implemented in the form of a terminal capable of communicating with a mobile phone, a tablet computer, a notebook computer, other communication, receiving input from a user, and outputting information to a user on a screen, have.

The administrator terminal 200 can acquire a collateral image by capturing the collateral and transmit the acquired collateral image to the collateral information processing apparatus 100 to register the collateral image.

In addition, the manager terminal 200 can input or display the collateral information and the verification result of the collateral information processing apparatus 100, which are necessary for viewing / confirming.

The customer terminal 300 transmits the authentication information stored in advance to the collateral information processing apparatus 100 to register the terminal. In addition, the customer terminal 300 may capture the collateral to acquire the collateral image, and may transmit the acquired collateral image to the collateral information processing apparatus 100.

The manager terminal 200 and the customer terminal 300 may generate photographing position information at the time of photographing the collateral, and transmit the photographing position information to the collateral information processing device 100 in the process of photographing the collateral and transmitting the same to the collateral information processing device 100. [

In addition, the customer terminal 300 receives the one-time password for watermarking from the collateral information processing apparatus 100, captures the image within a predetermined time after the received time, and stores the disposable password in a watermarking . The watermarked one-time password is used for validating the collateral information in the collateral information processing apparatus 100 in the future.

The collateral information processing device 100, the administrator terminal 200, and the customer terminal 300 are connected through a communication network. The communication network may be implemented using wired and wireless communication, TCP / IP, or other currently or future used communication technologies.

2 is a block diagram of a security information processing apparatus 100 according to an embodiment of the present invention.

Referring to FIG. 2, the apparatus 100 for processing information according to an embodiment of the present invention may include a control unit 110, a communication unit 120, and a storage unit 130.

The control unit 110 controls the overall operation of the collateral information processing apparatus 100. In particular, the control unit 110 generates information for managing the collateral information using the information acquired from the administrator terminal 200 and the customer terminal 300, and verifies the legitimacy of the obtained collateral information based on the generated information .

The communication unit 120 transmits and receives signals necessary for the operation of the collateral information processing device 100. [ The communication unit 120 can receive the collateral information from the manager terminal 200 and the customer terminal 300, for example.

Here, the collateral information may include the collateral image of the collateral and the location of the collision, that is, the location of the collateral. In some cases, the collateral information may include a collateral registration number.

 The communication unit 120 can also receive the authentication information from the customer terminal 300. [ Here, the authentication information may include at least one of a public key certificate, an electronic signature, a terminal identifier, and an application identifier.

In addition, the communication unit 120 can transmit the result of the evaluation of the security to the manager terminal 200 by the control unit 110. [

The storage unit 130 stores information received from the administrator terminal 200 or the customer terminal 300. For example, it may include collateral information and authentication information. Also, the storage unit 130 may include information that is generated for terminal registration and estimation of the collateral, for example, a collateral registration number and a disposable password.

The storage 130 may be implemented as a physically separate storage device, e.g., a database server. In this case, the communication unit 120 may communicate with the storage unit 130 to acquire necessary data from the storage unit 130, and transmit the generated data to the storage unit 130 to store the data.

Specific operations of the respective components of the collateral information processing device 100 will be described later in detail with reference to FIG. 3 to FIG.

3 is a flow diagram of a process for processing collateral information in accordance with one embodiment of the present disclosure.

Referring to FIG. 3, the manager terminal 200 first captures the collateral and generates location information of the captured location (S10). Thus, the manager terminal 200 generates the collateral information including the collateral image and the collateral position information.

The manager terminal 200 requests the registration of the collateral by transmitting the generated collateral information to the collateral information processing device 100 (S20).

The collateral information processing device 100 registers the collateral by storing the collateral information received from the manager terminal 200 as an initial value and assigning a collateral registration number to the collateral (S30). The collateral information processing device 100 transmits the collateral registration number to the administrator terminal 200 (S40).

The manager terminal 200 having received the collateral registration number can deliver the collateral registration number to the customer terminal 300. The method of transferring may be a terminal-to-terminal method using short-range communication, or a character transmission may be used.

The customer terminal 300 transmits the received security registration number and the certificate to the collateral information processing apparatus 100 and requests registration of the terminal (S50).

The collateral information processing device 100 receives the collateral registration number and the certificate, and the collateral information processing device 100 registers the terminal in step S60. More specifically, it stores the collateral registration number, the certificate, and the collateral information as an initial value in association with each other.

The next collateral information processing apparatus 100 monitors a predetermined shooting cycle (S70) and notifies the registered customer terminal 300 of the shooting date (S80).

When the customer terminal 300 is notified of the shooting date from the collateral information processing apparatus 100, the customer terminal 300 shoots the collateral and generates the photographing position information. Thus, the customer terminal 300 generates the collateral information including the collateral image and the collateral position information (S90).

The customer terminal 300 transmits the generated collateral information to the collateral information processing device 100 (S100).

The collateral information processing device 100 receives the collateral information from the customer terminal 100 and verifies the legitimacy of the received collateral information (S1100).

The collateral information processing device 100 stores the validity verification result, and transmits the validity verification result and the collateral image to the administrator terminal 100 (S120). In one embodiment of the present invention, the security information processing apparatus 100 has transmitted the legitimacy verification result and the collateral image to the manager terminal 100 in step 100, but the legitimacy verification result and the collateral image .

4 is a flowchart illustrating an operation of the apparatus for processing a collateral information in the process of FIG. 3 according to an embodiment of the present invention.

Referring to FIG. 4, the collateral information processing apparatus 100 receives the collateral information including the collateral image and the collateral position information from the registered administrator terminal (S310).

Next, the received collateral image and the collateral position information are stored as initial values, and the collateral is registered by assigning a collateral registration number to the collateral (S320). The granted collateral registration number is transmitted to the administrator terminal 100 (S330). The collateral information after the collateral registration may include a collateral registration number.

The collateral information processing device 100 that registered the collateral registers the terminal transmitting the collateral registration number as a customer terminal (S340). The collateral information processing apparatus 100 receives the certificate from the customer terminal when registering the terminal, and stores the collateral registration number in association with the certificate.

Next, the collateral information processing device 100 confirms the shooting cycle registered in advance and monitors whether the shooting date arrives (S350). The photographing period may be a default value set in the collateral information processing device 100 as an initial value, or may be inputted from an administrator terminal upon collateral registration.

According to some embodiments, the collateral information processing apparatus 100 may provide the manager terminal 200 with interface information for creating an interface for setting the shooting period. The interface information may for example be delivered in a manner that can convey information for HTML (Hypertext Markup Language) format, XML (Extensible Markup Language) format, or other interface creation. The administrator terminal 200 can provide the user with an interface for setting the shooting period accordingly. Table 1 is an example of an interface for setting the shooting period.

Shooting cycle Check box 30 days 50 days Customize

If the user selects a shooting cycle through the interface as shown in Table 1, the administrator terminal 200 can transmit information on the selected shooting cycle to the collateral information processing device 100. [ The collateral information processing device 100 can set the photographing period accordingly.

5 is a detailed flowchart of the photographing cycle monitoring process of step 350. FIG.

It is monitored whether a shooting date comes in accordance with a preset shooting cycle (S401). When the shooting date arrives, a token key is generated (S402). More specifically, the token key is generated before any time to arrive at the shooting date. The pre-arbitrary time referred to herein may be, for example, one day or two days before. The token key can be generated, for example, by generating a random number and generating a disposable password.

The generated token key is then transmitted to the pre-registered customer terminal 300 (S403).

The watermarked image may be watermarked so that the collateral image can be used as evidence to prove that the captured image has been taken after the token key has been received. In addition, the token key may lose its validity after the reference time. The collateral image that inserts the token key that has lost the validity becomes the information of which the legitimacy is lost. Here, the reference time may mean a time within a predetermined time (for example, 48 hours) from the time at which the token key was generated, the time at which the token key was transmitted to the customer terminal, and the time at which the customer terminal received the token key .

Referring back to FIG. 4, the collateral information processing device 100 receives the collateral information from the customer terminal 300 registered in advance (S360). At this time, authentication information is received together.

Next, the collateral information processing device 100 verifies the validity of the received collateral information in step S350 (S370).

The collateral information processing device 100 transmits the verification result and the collateral information to the manager terminal 100. In another modification, the collateral information processing apparatus 100 may transmit the verification result to the customer terminal 100. [ Further, in another modification, the collateral information processing device 100 may transmit the verification result and the collateral information to the third terminal that has been registered in advance.

FIG. 6 is a detailed flowchart of the validity verification process for the collateral information of the collateral information processing device of step 370. FIG.

The customer terminal first receives the collateral information and authentication information (S501).

In step S502, it is determined whether the authentication information received in step 501 matches the authentication information received in step S330.

If the authentication information received in step S502 does not match the authentication information received in step S502, the authentication information received from the terminal is transmitted to the administrator terminal and / or the client terminal, ).

If it is determined in step S502 that the authentication information received in step 501 matches the authentication information received in step 330, the process proceeds to the next step.

The watermarking of the collateral image included in the collateral information received in step 501 is confirmed. It is checked whether the token key included in the watermarking matches the token key transmitted in step 403 (S503).

If it is determined that the token key does not coincide with the token key in step S503, the collateral image is regarded as unauthorized, and the lack of legitimacy is transmitted to the manager terminal and the client terminal (S506, S507).

If it matches the token key in the confirmation result of step S503, the process proceeds to the next step.

In step S504, it is determined whether the collateral position information included in the collateral information received in step 501 coincides with the collateral position information of the initial value stored in step 320.

If the collateral information does not coincide with the collateral position information of the initial value in step S504, the collateral information is regarded as unauthorized and the lack of legitimacy is transmitted to the manager terminal and the client terminal (S506 and S507).

If the location information matches the location information in step S504, the validity of the collateral information received in step 501 is confirmed, and the verification result is stored and transmitted to the administrator terminal and / or the client terminal (steps S505 and S507).

At this point, it will be appreciated that the combinations of blocks and flowchart illustrations in the process flow diagrams may be performed by computer program instructions. These computer program instructions may be loaded into a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus, so that those instructions, which are executed through a processor of a computer or other programmable data processing apparatus, Thereby creating means for performing functions. These computer program instructions may also be stored in a computer usable or computer readable memory capable of directing a computer or other programmable data processing apparatus to implement the functionality in a particular manner so that the computer usable or computer readable memory The instructions stored in the block diagram (s) are also capable of producing manufacturing items containing instruction means for performing the functions described in the flowchart block (s). Computer program instructions may also be stored on a computer or other programmable data processing equipment so that a series of operating steps may be performed on a computer or other programmable data processing equipment to create a computer- It is also possible for the instructions to perform the processing equipment to provide steps for executing the functions described in the flowchart block (s).

In addition, each block may represent a module, segment, or portion of code that includes one or more executable instructions for executing the specified logical function (s). It should also be noted that in some alternative implementations, the functions mentioned in the blocks may occur out of order. For example, two blocks shown in succession may actually be executed substantially concurrently, or the blocks may sometimes be performed in reverse order according to the corresponding function.

Herein, the term " part " used in the present embodiment means a hardware component such as software or an FPGA or an ASIC, and 'part' performs certain roles. However, 'part' is not meant to be limited to software or hardware. &Quot; to " may be configured to reside on an addressable storage medium and may be configured to play one or more processors. Thus, by way of example, 'parts' may refer to components such as software components, object-oriented software components, class components and task components, and processes, functions, , Subroutines, segments of program code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays, and variables. The functions provided within the components and components may be further combined with a smaller number of components and components, or further components and components. In addition, the components and components may be implemented to play back one or more CPUs in a device or a secure multimedia card.

It will be understood by those skilled in the art that the present specification may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. The scope of the present specification is defined by the appended claims rather than the foregoing detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents are included in the scope of the present specification Should be interpreted.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, It is not intended to limit the scope of the specification. It will be apparent to those skilled in the art that other modifications based on the technical idea of the present invention are possible in addition to the embodiments disclosed herein.

100: a collateral information processing device
110:
120:
130:
200:
300: Customer terminal

Claims (10)

A method for processing a collateral information of a collateral management device,
Receiving first collateral information (T1) including a first collateral image (I1) and first collateral position information (S1) from a previously registered administrator terminal;
Storing the first collateral image (I1) and the first collateral position information (S1) as initial values, and assigning a collateral registration number to the collateral;
Registering the terminal by receiving the authentication information (A1) from the customer terminal and storing it in association with the collateral registration number;
Monitoring a predetermined shooting cycle and notifying the customer terminal;
Receives the second collateral information (T2) including the second collateral image (I2), the second collateral position information (S2), and the collateral registration number from the customer terminal and verifies the legitimacy of the received second collateral information (T2) ; And
Storing the validity verification result, and transmitting the validity verification result and the collateral image to the administrator terminal
The method comprising the steps of: The method according to claim 1,
Monitoring the predetermined shooting cycle and notifying the customer terminal of the predetermined shooting cycle,
Monitoring whether a shooting date arrives;
Generating a one-time password to be used as a token key when the shooting date arrives; And
Transmitting the generated one-time password to the client terminal,
The method comprising the steps of: 3. The method according to claim 1 or 2,
In the step of verifying the legitimacy of the received second collateral information (T2)
Receiving second collateral information (T2) and authentication information (A2) including the second collateral image (I2), the second collateral position information (S2), and the collateral registration number from the customer terminal;
Checking whether the one-time password watermarked in the second collateral image (I2) matches the disposable password transmitted to the customer terminal, and if it matches, proceeding to the next step; if not, determining that the collateral information is not valid;
Determining whether the authentication information (A2) agrees with the received authentication information (A1) in the step of registering the terminal, proceeding to the next step, and if the authentication information (A2) does not match, determining that the validity of the collateral information is lacked; And
If it is determined that the second collateral position information S2 received from the customer terminal matches the first collateral position information S1 of the initial value and if the second collateral position information S2 agrees with the first collateral position information S1, then the legitimacy is confirmed. If the second collateral position information S2 does not match, step
The method comprising the steps of: The method according to claim 1,
Wherein the authentication information includes at least one of a public key certificate, an electronic signature, a terminal identifier, and an application identifier. A communication unit for transmitting and receiving information for managing collateral with an administrator terminal and a customer terminal;
The customer terminal receives the authentication information from the client terminal, registers the client terminal, monitors the predetermined shooting cycle, and transmits the shooting date to the client terminal registered in advance A control unit receiving the collateral information photographed from the customer terminal to verify the validity of the collateral and to control the verification result to be transmitted to the manager registration terminal; And
A storage unit for storing the collateral information and the registered customer terminal in association with each other using the collateral registration number,
And the information processing apparatus. 6. The method of claim 5,
Wherein the control unit monitors the photographing cycle to generate a disposable password when the photographing date arrives, and transmits information for requesting photographing including the generated disposable password to the customer terminal . 6. The method of claim 5,
The control unit receives the first collateral information (T1) including the first collateral image (I1) and the first collateral position information (S1) from the administrator terminal through the communication unit, 1 collateral position information (S1) as an initial value, and registers the collateral by assigning a collateral registration number to the collateral. 8. The method of claim 7,
Wherein the control unit receives the collateral registration number and the authentication information (A1) from the customer terminal through the communication unit, and registers the customer terminal. 8. The method of claim 7,
The control unit receives the second collateral information T2 and the authentication information A2 including the second collateral image I2, the second collateral position information S2, and the collateral registration number from the customer terminal through the communication unit Wherein the information processing apparatus comprises: 10. The method according to any one of claims 5 to 9,
When the authentication information (A2) is received from the customer terminal, the control unit checks whether the authentication information (A2) is identical to the authentication information (A1) stored at the time of registering the customer terminal and verifies whether the second collateral image The watermarked token key is matched with the transmitted token key transmitted when notifying the customer terminal of the photographing date, and the second collateral position information (S2) received from the customer terminal is stored as the initial value And confirms the legitimacy by confirming that it coincides with the position information (S1).

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