KR20160061183A - Mortgage loan servicing system and method using smart devices - Google Patents

Abstract

Disclosed are a mortgage loan service system and a method by using at least one smart device and a smart device connected to a network. The mortgage loan service system comprises: a database which stores loan interest information according to collateral prices, prime interest benefit information and loan product information; and a server which checks the credit of an applicant by making reference to the database, provides a result of reviewing on family loan and business fund loan when a loan application is input, and introduces loan product information through a simulation according to selection information of a customer using a smart device. In the mortgage loan service system by using a smart device, a smart device, which is a portable terminal of a financial institution, accesses the server managing family loan of the financial institution. The system provides in real time the reviewing result of a loan which a customer applies, the maximum loanable fund and loan interest on the basis of personal data and collateral information which are input from the outside of a bank branch, at anytime and anywhere. In addition, the system can design financial product for needs of customers by option selection and various simulations.

Description

[0001] Mortgage loan servicing system and method using smart devices [

The present invention relates to a home mortgage lending service system and method using a smart device, and more particularly, to a home mortgage lending service system using a smart device that lends a business operation fund to a home mortgage to an individual business entity using a smart device, ≪ / RTI >

In general, individual business operators are using mortgage loans to finance their businesses.

In particular, banks have made it possible not only to open a bank window but also to make loans online so that users can conveniently make a loan.

However, in the prior consultation and application service system using the Internet banking system, the user can access the internet banking of the financial institution through his or her own terminal and input his / her personal information to confirm the maximum lending rate and interest rate. However, Customers who do not have a certificate or customers who are not familiar with this system are not able to utilize the system autonomously by themselves.

In addition, most of the conventional loan system is based on a simple credit-based loan system. In the case of customers who need a large amount of money (especially a private company), they have to visit a bank office for consultation.

Therefore, limited external loan service was offered outside the branch office, and customers were dissatisfied with the external loan service. In particular, if they are small traders or single-person individual businesses, such as market traders, It was difficult to apply for a loan.

Patent Publication 10-2002-0029188 (Apr. 18, 2002) Title: Operation funding and operation of a bank using the Internet

SUMMARY OF THE INVENTION Accordingly, the present invention has been made in view of the above problems, and it is an object of the present invention to provide a smart home- The information of the loan amount requested by the customer through the information and the possibility of the maximum lending and the loan interest rate can be informed in real time anywhere in 365 days and 24 hours regardless of the place and time. A home mortgage service system and method using a smart device capable of designing a financial product in accordance with the needs of a home mortgage.

In addition, a variety of information on this loan product can be visually expressed through charts and graphs, making it easy for the customer to understand the product and implementing the loan application so that the loan application can be received immediately, And to provide a home mortgage loan service system and method using the same.

According to an aspect of the present invention, there is provided a home mortgage lending service system using a smart device,

A home mortgage loan service system using a smart device connected to at least one smart device through a network,

A database in which the mortgage loan information, the preferential interest rate benefit information, and the loan product information are stored;

The credit information of the loan applicant is referred to by referring to the database, and when the loan application information is inputted, the result of the judgment of the household loan and the business loan is provided, and the product information is informed through simulation according to the selection information of the smart customer Lt; / RTI >

The server comprises:

An application rating system that synthesizes customer information to predict future credit status, provides the customer with the results of the examination including the availability of the loan application amount, the maximum loan possibility, and the loan interest rate;

Checking mortgage limit and interest rate, selecting preferential interest rate option and simulation including calculation of interest rate by collateral, finding suitable goods for customers, guiding the repayment schedule of principal and interest, A control unit;

A preferential rate benefit offering that provides a screen to check the interest rate discount rate by calculating preferential interest rate benefits;

If the customer chooses to calculate the interest rate at the bottom, the interest rate calculator provides the applicable interest rate for each LTV section;

A graph generating unit for generating a graph of a monthly payment principal repayment amount and a remaining loan amount at the expiration of a loan according to a principal repayment method when the loan repayment graph is selected;

If the current status of the crisis is selected, the profit and loss of the financial institutions providing the additional funding and the profits are repaid when the mortgage is repaid to the residential mortgage loan product of the savings bank.

If the customer chooses the loan interest calculator at the top, it includes a loan interest calculation section that provides a loan principal repayment schedule.

According to an aspect of the present invention, there is provided a method for providing a home mortgage using a smart device,

1. A method of providing a mortgage loan service system using a smart device connected to at least one smart device through a network,

When the customer agrees to provide the credit information, the server receives the loan application information;

The server collecting the customer information to predict the future credit status, providing the customer with the result of the examination including the availability of the loan application amount, the maximum loan availability, and the loan interest rate;

The server confirms the mortgage limit and interest rate, selects the preferential interest rate option and simulates the interest rate by calculating the interest rate, finds the appropriate product for the customer, guides the principal repayment schedule, .

The server further includes a step of calculating a preferential interest rate benefit and providing a screen for confirming a discount interest rate discount effect.

If the customer chooses to calculate a star rate, the server further includes providing LTV coverage rates.

If the customer selects the loan repayment graph, the server further includes a step of generating and providing the monthly repayment principal amount and the remaining loan amount at the expiration of the loan in graph form according to the principal repayment method.

The server further includes a step of calculating and providing additional fund raising and an incurred profit upon repayment of the mortgage loan of the other financial institution to the mortgage loan product of the savings bank when the server is selected.

If the customer selects the upper loan interest calculator, the server further comprises providing the loan principal repayment schedule.

In the embodiment of the present invention as described above, a smart device, which is a portable terminal of a financial institution, accesses a server managing a home mortgage loan of a financial institution, and transmits personal information and security information The result of the judgment and the possibility of maximum lending and the interest rate of the loan can be guided in real time anywhere in 365 days and 24 hours regardless of place and time, and the financial product can be designed according to customer's need through option selection and various simulation results A home mortgage loan service system and method using a smart device can be provided.

In addition, a variety of information on this loan product can be visually expressed through charts and graphs, making it easy for the customer to understand the product and implementing the loan application so that the loan application can be received immediately, And can provide a home mortgage loan service system and method using the same.

1 is a block diagram of a home mortgage lending service system using a smart device according to an embodiment of the present invention.
2 is a flowchart illustrating an operation of a home mortgage lending service system using a smart device according to an exemplary embodiment of the present invention.
FIGS. 3 to 13 are views showing examples of screens provided by a home mortgage lending service system using a smart device to a smart terminal according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention and the manner of achieving them will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. However, it should be understood that the present invention is not limited to the embodiments disclosed herein but may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

The terminology used herein is for the purpose of illustrating embodiments and is not intended to be limiting of the present invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. It is noted that the terms "comprises" and / or "comprising" used in the specification are intended to be inclusive in a manner similar to the components, steps, operations, and / Or additions. Unless defined otherwise, all terms (including technical and scientific terms) used herein may be used in a sense commonly understood by one of ordinary skill in the art to which this invention belongs. In addition, commonly used predefined terms are not ideally or excessively interpreted unless explicitly defined otherwise.

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

FIG. 1 is a diagram illustrating a home mortgage lending service system using a smart device according to an exemplary embodiment of the present invention.

The smart device 400 connected to the credit information server 210, the KB server 220, the bank association server 230, the corporate daily report server 240 and at least one smart device 400 through the network 200, A home mortgage lending service system (100)

A database 120 in which the mortgage loan rate information, the preferential interest rate benefit information, and the loan product information are stored;

The credit information of the loan applicant is referred to by referring to the database, and when the loan application information is inputted, the result of the judgment of the household loan and the business loan is provided, and the product information is informed through simulation according to the selection information of the smart customer And a server 110 which is connected to the network.

The server (110)

An application rating system 111 for collecting customer information to predict a future credit status, and to provide a screening result including the availability of a customer's loan application amount, maximum allowable loan amount, and loan interest rate;

Checking mortgage limit and interest rate, selecting preferential interest rate option and simulation including calculation of interest rate by collateral, finding suitable goods for customers, guiding the repayment schedule of principal and interest, A control unit 112;

A preferential interest rate benefit providing unit 113 for providing a screen for calculating a preferential interest rate benefit and confirming a discount interest rate discount effect;

An interest rate calculation unit 114 for providing a LTV-specific rate of interest when the customer selects the interest rate calculation for the lower-end collateral;

A graph generating unit 115 for generating a graph of a monthly payment principal repayment amount and a remaining loan amount at the expiration of a loan according to a principal repayment method when the loan repayment graph is selected;

(116) which calculates and provides additional funding and profit when the mortgage loan of another financial institution is redeemed as a mortgage loan product of a residential mortgage loan of a corresponding financial institution,

And a loan interest calculation section 117 that provides a loan principal repayment schedule when the customer selects the loan interest calculator at the top.

The smart device 400 may be a portable mobile device such as a tablet PC or a notebook computer.

Referring to FIG. 2, the person in charge of the bank, which is an adviser, operates the smart device 400 while consulting with the customer.

Then, the smart device 400 is operated to access the server 110.

Then, the smart device 400 accesses the server 110, and after a bank representative who is a mobile worker logs in (S1), a credit information provision agreement procedure of the customer proceeds through the ARS after the customer identity verification process (S2).

After the personal credit information provision agreement, the server 110 provides the real estate guarantee information input screen, and the customer inputs the real estate guarantee information. At this time, if necessary, the customer may enter in words by a bank representative who is a mobile worker.

Here, the customer selects the loan product, and inputs the loan application information such as the loan application amount, the interest rate type selection, and the annual income information (S10). In particular, when the real estate collateral information is input, the server 110 automatically displays and displays the KB quotation information in the case of the real estate property notified in the KB (Kookmin Bank) ticker information. In this case, There are advantages.

An example of such a real estate collateral input screen is shown in Fig.

3 is a column for inputting information on a real estate to be provided as a security. When a real estate object notified in the KB (Citizen's Bank) market information is input in this portion, the loan control unit 112 of the server 110 registers And automatically displays and displays the KB quotation information from the KB server 120 or the KB server 110.

4, the loan control unit 112 of the server 110 retrieves the location of the collateral provided by the loan applicant from the DB 120 or the KB server 110, It is possible to automatically obtain the real estate quotation information to be notified and to easily obtain the information of the collateral.

Referring to FIG. 5, it can be confirmed that the security information is automatically inputted by the loan control unit 112 of the server 110 through the article search. The items that are automatically input here are the type of collateral, the classification of emotions, the address of the goods, the address, the selling price, the trading limit, the household size / number, the moving years, total waterproofing, and the maximum number of floors.

In the application information field of FIG. 3, the customer inputs common loan application information. In particular, the product design can be implemented in accordance with a loan applicant need such as a product selection and repayment method, a interest rate type, and the like. When the yellow display portion is clicked, the server 110 provides explanatory information on the content.

After the confirmation of the identity of the principal and the approval of the provision of the personal credit information, the server 110 retrieves the loan information of the NICE credit information company and the bank association and provides the loan information. It is possible to change the amount when it is necessary to adjust the loan amount because the loan type is classified as mortgage loan or credit loan and the collateral type of other financial institution is entered incorrectly.

Happy home loan is a home mortgage loan product of our company, and only information unique to this product is entered separately.

Objrone is the name of a home mortgage loan for the business owner, which separates and inputs only the information specific to the product.

Next, the application rating system 111 (ASS: Application Scoring System) of the server 110 predicts (evaluates) the future credit status by integrating the applicant's information at the time of application such as the customer's loan application information and credit information. In particular, the system of the loan examination policy of the bank is determined to judge the maximum loan possibility and the loan interest rate (S20). In the ASS inquiry phase, it is possible to inquire in real time about personal loan information, corporate newsletter information, and NICE credit information of the Federation of Korean Banks. In particular, the banking system is an external credit rating company (NICE credit information company, KCB credit The credit rating of the information company) may be used, or a credit rating may be developed by computerizing the unique credit rating model.

If the ASS inquiry is completed after the screening, it is not possible to borrow.

When the ASS inquiry is completed as a result of the examination, the application rating system 111 of the server 110 provides the system examination result such as the availability of the customer's loan application amount and the maximum lending possible degree and the loan interest rate. In particular, at the same time, the judgment result of two commodities (household fund loan, business fund loan) is inputted simultaneously by inputting only one loan information (S30).

An example of such a screen is shown in Fig.

6, the customer confirms the mortgage limit and the interest rate of the savings bank provided by the loan control unit 112 of the server 110 based on the collateral information and the loan application information input at the previous step, Through various simulations such as selection and collateral calculation of the interest rate, it is possible to find suitable products for customers, and financial consulting is possible so that customers can safely raise funds by guiding the repayment schedule of principal.

In FIG. 6, the customer first verifies the maximum allowable loan amount, loanable amount, and interest rate of the savings bank mortgage loan calculated based on the inputted security information and loan application information (ASS inquiry) have. In other words. It is possible to confirm all of the integration (Happy Home + O Bizron), Happy Home (Household Fund), Oh Bizron (Business Fund).

In addition, it can be applied by checking the interest rate discount rate according to the application of the event discount, such as the method of repayment of the principal and the automatic transfer of the major account in the preferential interest item.

When the preferential interest rate benefit is selected, the preferential interest rate offerer 113 of the server 110 calculates a preferential interest rate benefit and provides a screen for confirming the discount rate discount effect as shown in FIG. 7 below (S50).

In addition, the customer can check and modify the loan application information in the application information (common), application information (happy home loan), and application information (objeron) fields.

When the customer clicks the generate button, the customer 110 re-confirms the limit of the mortgage product and the interest rate by reflecting the modification of the loan application information by the application rating system 111 of the server 110. (Reconsideration of ASS Strategic System of Savings Bank)

The CB information field is provided by the server 110 by checking the loan information and CB information registered in the bank association server 110 (230) and the NICE credit information server 110 (210).

If the customer selects the interest rate calculation of the lower end, the interest rate calculation unit 114 of the server 110 provides the applicable interest rate for each LTV interval (S60) Will be described in detail.

When the customer selects the loan repayment graph at the lower end, the graph generating unit 115 of the server 110 generates a graph of the monthly repayment principal amount repayment amount and the remaining loan amount at the expiration of the loan according to the principal repayment method (S70), the customer can check the details thereof, and the details thereof will be described later with reference to FIG.

In addition, when the bottom-side profit / loss ratio is selected, the profit / loss ratio provisioning unit 116 of the server 110 calculates the additional funding fee and the profit generated when the mortgage loan of the other financial institution is redeemed as the mortgage loan product of the savings bank (S80), so that the customer can confirm it. The screen will be described in detail below with reference to FIG.

In addition, if the customer selects the upper loan interest calculator, the loan interest calculation unit 117 of the server 110 provides the loan principal repayment schedule so that the customer can confirm it (S90). The corresponding screen of the loan interest calculator will be described below with reference to FIG.

In addition to outputting the system audit result after the completion of the ASS inquiry, the server 110 is more advanced than the conventional simple result information technology through the preferential interest rate benefit, the collateral value interest rate calculation, the loan repayment graph, To provide more information.

As a result, customers can select various loan conditions such as loan interest rate type, loan repayment method, loan interest rate and so on according to the customer's needs, so that the customer can select the product suitable for the customer.

In addition, financial terms that are somewhat difficult for the customers to feel, such as repayment of principal and interest equally, are easily visualized through charts and graphs, and risk factors caused by changes in collateral value and market interest rates are diagnosed So customers can clearly guide more information.

When the customer selects loan acceptance, the loan control unit 112 accepts the loan according to the condition of the loan information.

In the above procedure, when the customer selects the preferential interest interest benefit, the preferential interest benefit offerer 113 of the server 110 can check the interest rate reduction through the option selection as shown in FIG.

In other words, if you select each option item, you can check the interest rate of the corresponding option, check the minimum interest rate of the loan, press the 'SIMULATION' button to check the interest rate . In addition, the server 110 automatically calculates the total repayment principal amount for the three CASs with and without option selection and the lowest interest rate, and compares it with the repayment principal amount before the option selection to express the expected savings cost as a vertical bar graph.

Then, if the user wants to change the previous loan information with the option selected by the customer, if the 'confirm' button is clicked, the loan control unit 112 of the server 110 updates the previous loan information with the automatically selected option and is reflected in the loan application information .

Referring to FIG. 7, the forecasted minimum interest rate item informs the customer of the lowest possible interest rate by the interest rate at which the option item is all applied, and the interest rate adjustment option guide the currently selected option item and the additional interest rate discount when the option is selected.

And the Generate button Option You can output the change of the expected loan information and the option selection comparison chart with the button for recalculating the interest rate.

And the projected loan information column shows the interest rate and interest rate before and after adjustment.

At the bottom of the graph, the user can display the principal payments paid by the customer when the interest rate is applied before / after / during the minimum interest rate, so that they can be easily compared by the customer (payment amount: yellow shade / saving amount: blue shade ), And the confirmation button is to select to change and transfer the loan information to the option selected value.

The mortgage interest rate calculation is a function to guide the loan limit and lending rate per LTV section,

When the customer selects the interest rate calculation, the interest rate calculation unit 114 of the server 110 calculates and guides the corresponding loan limit and the loan interest rate in the LTV 75%, LTV 80%, and LTV 85% sections, You can see which section corresponds to the desired loan amount or loan interest rate.

Through this information, the customer can apply for a loan by choosing the appropriate loan to him / herself.

When the customer selects the loan repayment graph, the graph generating unit 115 of the server 110 calculates and provides the total amount of the loan interest and the monthly payment amount according to the repayment method, and the customer can check the interest. In particular, the description of the repayment method insertion and repayment method is illustrated with a picture so that the customer can understand the type of repayment method.

9, when the loan conditions are input (the loan amount, the loan period, the expected interest rate (year), and the stow period), the server 110 calculates the monthly payment amount and the total interest amount per the principal repayment method Maturity repayment, repayment of equally divided principal payments, repayment of equilibrium principal payments).

This is a function that shows how much profit or loss is generated when the current loan is redeemed as the loan of the current loan. When the customer selects the current loan loss profit / loss status, the profit / loss status of the server 110 The server 110 provides the screen as shown in FIG. 9, inputs the loan amount, the remaining period, and the redeemable commission rate currently used by the customer, and inputs the result of the ASS determination, the server 110 provides the profit or loss And the customer can confirm it. In particular, scenario changes can identify future risk factors that customers may bear due to changes in collateral value and market interest rates. This function displays the profit and loss status of the extended loan at the time of loan repayment and the profit and loss status of the total loan period in the same chart as the preferential interest rate benefit, so that the profit or loss can be more clearly understood.

Referring to FIG. 10, the server 110 calculates and displays the principal amount of the loan to be repaid to the bank and the customer profit amount at the time of the deterioration of the standard price at the current extension of the secured loan, If the loan interest rate is raised at the time of the extension of the mortgage loan, the customer will be able to calculate the additional amount of the principal amount incurred and the additional amount of the customer at the time of repayment.

In addition, the profit and loss situation at the time of loan repayment is displayed on a column chart, and the current profit and loss status of the entire loan period is displayed on a column chart.

On the other hand, when the loan interest calculator is selected, the loan interest calculation section 117 of the server 110 displays the total principal amount of the loan with respect to the loan condition determined in accordance with the ASS, and the principal amount of the principal and the principal amount of the principal paid .

The conventional loan interest calculator showed the repayment schedule according to the amount of principal amount or the amount of repayment. However, in the case of the mortgage loan, the loan period is 10 years longer than 30 years. The repayment schedule is difficult to understand. On the other hand, in the embodiment of the present invention, the reimbursement schedule is arranged according to the loan lapse year, and the reimbursement schedule is arranged so that it can also be viewed as a repetition. In addition, the characteristics of equally dividend payment in principle are described in detail.

Referring to FIG. 11, the customer inputs loan information (loan principal, interest rate, total loan period, hold period input).

Then, when the calculation button is pressed, the server 110 calculates the monthly payment, the monthly principal amount, the total payment amount, and the total payment amount, and calculates and displays the payment amount, the principal amount of the interest, and the principal amount on the podium within the total loan period. (Summary output by year and year of loan)

Then, if the explanation of the principle equally divided payment method is selected, the server 110 displays explanatory information on the corresponding equally divided payment. An example of this description is shown in Fig.

In addition, if the customer selects the redemption schedule table, the server 110 calculates and provides the monthly redemption schedule details. This example is shown in Fig.

As in the above process, the smart device 400, which is a portable terminal of a financial institution, accesses the server 110 managing the home mortgage loan of the financial institution, and transmits the personal information and the security information It is possible to guide the result of the loan amount, the maximum lending possibility, and the loan interest rate in any place for 24 hours, 365 days a year, regardless of the place and time. Through the selection of options and various simulation results, Can be designed.

Also, various information about the loan product can be visually expressed through charts and graphs, so that the customer can easily understand the commodity, and can implement the loan application application so that the loan can be received quickly.

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 exemplary embodiments, but, on the contrary, It will be appreciated that one embodiment is possible. Accordingly, the true scope of the present invention should be determined by the technical idea of the claims.

Claims (7)

A home mortgage loan service system using a smart device connected to at least one smart device through a network,
A database in which the mortgage loan information, the preferential interest rate benefit information, and the loan product information are stored;
The credit information of the loan applicant is referred to by referring to the database, and when the loan application information is inputted, the result of the judgment of the household loan and the business loan is provided, and the product information is informed through simulation according to the selection information of the smart customer A home mortgage lending service system using a smart device including a server. The method according to claim 1,
The server comprises:
An application rating system that synthesizes customer information to predict future credit status, provides the customer with the results of the examination including the availability of the loan application amount, the maximum loan possibility, and the loan interest rate;
Checking mortgage limit and interest rate, selecting preferential interest rate option and simulation including calculation of interest rate by collateral, finding suitable goods for customers, guiding the repayment schedule of principal and interest, A control unit;
A preferential rate benefit offering that provides a screen to check the interest rate discount rate by calculating preferential interest rate benefits;
If the customer chooses to calculate the interest rate at the bottom, the interest rate calculator provides the applicable interest rate for each LTV section;
A graph generating unit for generating a graph of a monthly payment principal repayment amount and a remaining loan amount at the expiration of a loan according to a principal repayment method when the loan repayment graph is selected;
If the current status of the crisis is selected, the profit and loss of the financial institutions providing the additional funding and the profits are repaid when the mortgage is repaid to the residential mortgage loan product of the savings bank.
A home mortgage service system using a smart device that includes a loan interest calculation section that provides a loan principal repayment schedule when a customer selects a loan interest calculator at the top. 1. A method of providing a mortgage loan service system using a smart device connected to at least one smart device through a network,
Receiving a loan application information from the server when the bank employee who is a mobile worker completes his / her identity verification and personal credit information providing agreement after login;
The server collecting the customer information to predict the future credit status, providing the customer with the result of the examination including the availability of the loan application amount, the maximum loan availability, and the loan interest rate;
The server confirms the mortgage limit and the interest rate, selects the preferential interest rate option, simulates the interest rate by calculating the interest rate, finds the appropriate product for the customer, guides the principal repayment schedule, The method comprising the steps of: controlling the home agent; The method of claim 3,
Further comprising the step of the server calculating a preferential interest rate benefit according to a customer request and providing a screen for confirming a discount interest rate discount effect. 5. The method of claim 4,
Further comprising the step of the server providing an applicable interest rate for each LTV interval if the customer chooses to calculate the interest rate by the mortgage. 6. The method of claim 5,
The method according to claim 1, further comprising the step of: when the customer selects the loan repayment graph, the server generates and provides the monthly repayment principal amount and the remaining loan amount at the expiration of the loan in graph form according to the principal repayment method, Service method. The method according to claim 6,
When the server selects the current state of the loan loss profit and loss, the server calculates and provides additional fund raising and earning profit upon repayment of the mortgage loan of the other financial institution to the mortgage loan product of the savings bank;
Further comprising the step of the server providing a loan principal repayment schedule when the customer selects a loan interest calculator at the top of the home mortgage loan service.

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