KR20170097821A - System and method for loan managing connected with user's deposit - Google Patents
System and method for loan managing connected with user's deposit Download PDFInfo
- Publication number
- KR20170097821A KR20170097821A KR1020160019171A KR20160019171A KR20170097821A KR 20170097821 A KR20170097821 A KR 20170097821A KR 1020160019171 A KR1020160019171 A KR 1020160019171A KR 20160019171 A KR20160019171 A KR 20160019171A KR 20170097821 A KR20170097821 A KR 20170097821A
- Authority
- KR
- South Korea
- Prior art keywords
- loan
- account
- execution
- amount
- cash
- Prior art date
Links
Images
Classifications
-
- G06Q40/025—
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
Abstract
Description
The present invention relates to a deposit-linked loan processing system and a method thereof, and more particularly, to provide a deposit-linked loan processing system and method thereof capable of acquiring an additional interest rate higher than a deposit (or deposit) And the borrower is about a system and method for a new deposit-linked lending system that can borrow at low cost.
The traditional method of borrowing is a deposit from a customer (a bank is called a deposit and a securities company is a deposit, etc.), and the present invention collectively refers to the cash of a customer account deposited in a financial institution regardless of its name ), And borrows the money to the borrower using the received deposit. This traditional method of borrowing is a structure in which a loan relationship between a financial institution and a borrower is formed after a deposit relationship between a customer and a financial institution is formed, and there is no direct transaction relationship between the deposit customer and the borrower. From the perspective of the risk of financial transactions, it can be said that a financial institution manages and takes risks related to loans and has a certain level of profits in exchange for the risks.
In recent years, unlike traditional lending methods, so called inter-individual (P2P) loans are being actively mediated. This can be a way to activate inter-individual lending by intermediating the borrower who wants to borrow and the provider (lender) who wants to borrow.
However, the P2P loan has a problem that the loan provider has to perform a cumbersome series of actions such as selecting a borrower and depositing a loan through a new channel.
The technical problem to be solved by the present invention is to provide a system and method for enabling a financial institution to separate deposits and loans and to share profits earned in the middle with individuals (depositors and / or borrowers) System and method.
The system and method according to the present invention may be driven without the role of a financial institution, but even if it is linked to a financial institution, the profit associated with the risk management, fund management and / or licensing of the financial institution is reduced compared to the traditional loan method, To be shared by the depositor and / or the borrower.
Also, from the viewpoint of the customer (depositor), it is possible to use the system of the system which does not inconvenience more than the P2P loan method in which the loan of the account can be used for the loan automatically Method.
In addition, it provides a system and method that can have a higher reliability than P2P by lending out a loan product made by a financial institution (a single financial institution or a compound financial institution) to a customer's deposit.
In addition, according to the embodiment, a system and a method for allowing a customer to select a loan interest rate and / or a loan to be executed by a borrower, .
In addition, customers can use the cash used for the loan as needed, while the borrower needs to ensure the stability of the borrowing. By solving the borrowing and borrowing inconsistencies, And to provide a system and a method for allowing his or her own cash to be used for lending. The P2P loan or the conventional loan method is a structure in which the loan period is fixed according to the borrowing period, and the loan lender can not freely collect the loan money.
According to another aspect of the present invention, there is provided a cloud deposit-linked loan processing system comprising: a cloud deposit-linked loan processing system for transferring at least a part of cash existing in a customer's account to a management account from at least one loan offering account desired to be used for borrower's loan, A DB for storing the loan provision information of each of the loan provision desired accounts, a DB for storing the loan provision information of each of the loan provision desired accounts, a predetermined provisional reference using the cash in the operational account in response to the loan request from the borrower, And a control module for executing a loan according to the loan management interest rate set on the basis of the loan interest rate applied to the loan after the loan is executed, An operating module for transferring money to the used loan execution account And also, the loan interest rate management is characterized by higher than the original interest rate of the loan account and run.
The loan providing amount processing module sets a minimum limit of a desired amount of money to be provided within a predetermined ratio of the cash balance of each of the loan provision requested accounts, and deposits the desired amount of the loan provision offered by the desired loan providing account to the management account Processing is performed.
Wherein the loan provision information includes at least one of a loan offer desired rate and a desired loan period by the loan provision requested account set by the customer, and the control module executes the loan based on at least one of the loan offer desired rate and the desired period .
The control module executes the lending on the basis of the desired total amount of the integrated lending offer, which is the sum of the desired amount of the integrated lending offered for each of the desired lending offerings, can do.
Wherein the loan provision information includes information on a deposit date or a desired loan provision period of the loan provision desired amount for each loan provision requested account deposited in the operational account, and the control module, when the deposit date of the desired amount of the loan provision is earlier Or the loan is preferentially executed as the desired period for providing the loan is longer.
Wherein the operating module is configured to calculate a loan rate of the specific loan offer desired account with respect to the loan offer desired amount before at least a part of the loan offer desired amount of money to which a desired loan offer amount of a desired loan offer account has been deposited and deposited is executed as a loan, , And after the execution of the loan, the interest can be calculated at the loan management interest rate with respect to the loan execution amount.
The cloud deposit-linked loan processing system is characterized in that, when a reason for canceling the loan cancellation occurs in a specific loan execution account and the loan period is not expired, A cash settlement processing module for replacing the cash corresponding to the execution amount and replacing the at least one other loan provision desired account with the loan execution account or setting the additional loan execution amount when the other desired account is a loan execution account As shown in FIG.
According to an aspect of the present invention, there is provided a cloud deposit-linked loan processing system including a database for storing at least a part of cash existing in accounts of customers, loan provision information of each of loan offer accounts set to be used for borrowers' A control module for executing a loan using the cash of the account for providing a loan of the loan, and a control module for executing a loan operation profit according to the loan operation interest rate set based on the loan interest rate applied to the loan, And an operation module for performing remittance processing to remit money to a loan execution account used for execution of the loan, wherein the loan operation interest rate is higher than the original interest rate of the account for providing the loan.
According to an aspect of the present invention, there is provided a cloud deposit-linked loan processing system including a database for storing at least a part of cash in a customer's account, And a control module for executing the lending using the cash of the lendable account, wherein the control module is included in the lender providing information, A loan execution account to be used in the loan or a loan interest rate of the loan may be determined.
According to an aspect of the present invention, there is provided a cloud deposit-linked loan processing system including a database for storing at least a part of cash in a customer's account, A control module for executing a loan using the cash of the loan offering account; and a control module for executing a loan using the cash of the account to be provided for the loan, and a control module for, when a loan termination reason is generated in the specific loan execution account used for the loan, The cash of the at least one other loan offering account is substituted into the specific loan execution account and the at least one other loan offering account is replaced with the loan execution account or the other loan offering account is the loan execution account And a repayment processing module for additionally setting a loan execution amount.
A cloud deposit-linked loan processing method according to the technical idea of the present invention is a method in which a cloud deposit-linked loan processing system provides at least a part of cash existing in a customer's account to a loan provision account set up to be used for a borrower's loan The method comprising the steps of: storing information; performing a deposit process so that a cloud deposit-linked loan processing system can receive a desired amount of a loan offered by the desired account for loan to a management account; and the cloud deposit- Executing a loan in accordance with a predetermined criterion using cash in the operational account in response to the request; and after the loan has been executed, the cloud deposit-linked loan processing system sets a loan based on the loan interest rate applied to the loan The proceeds of the loan operation, At least some of the desired account, and includes the step of processing the transfer so as to transfer to the loan account execution using the execution of the loan, the loan operation rate is characterized in that is higher than the original rate of the loan account runs.
The step of executing the loan may include executing the loan based on at least one of a loan offer desired interest rate set by the customer of each loan offer account and a loan offer desired period included in the loan offer information have.
The cloud deposit-linked loan processing method may further include a step of preferentially selecting the loan deposit execution account as the date for setting a desired loan for each loan provision desired account is longer or the longer the desired loan period, have.
Wherein the money transfer processing step includes a step of transferring the money to the bank account before the at least a part of the desired amount of money to be provided for loan is deposited into the management account and executed by the cloud deposit- The method may include the step of calculating the interest on the loan execution interest rate for the loan execution amount after applying the interest rate equal to or higher than the original interest rate of the specific loan provision desired account with respect to the offered desired amount, have.
The cloud deposit-linked loan processing method is characterized in that, when the cloud deposit-linked loan processing system has a cause of cancellation of the loan execution from the specific loan execution account and the loan period has not expired, the at least one other- The cash amount corresponding to the loan execution amount of the specific loan execution account is replaced with the loan execution account, the at least one other loan provision account is replaced with the loan execution account, or, when the other loan provision account is the loan execution account, And an additional amount of execution amount.
A cloud deposit-linked loan processing method for solving the above technical problem is characterized in that the cloud deposit-linked loan processing system stores at least a part of the cash of the customer account in the loan account information of each of the loan offer accounts set to be used for the borrower's loan , The cloud deposit linked loan processing system executing a loan using cash in at least one of the loan offer desired accounts, and after the cloud deposit linked loan processing system has executed a loan, the loan interest rate applied to the loan And transferring the loan management profit to the loan execution account used for execution of the loan, the loan management fee being at least a part of the loan offering account, It can be characterized that it is higher than the circle rate of each account have.
A cloud deposit-linked loan processing method for solving the above technical problem is characterized in that the cloud deposit-linked loan processing system stores at least a part of the cash of the customer account in the loan account information of each of the loan offer accounts set to be used for the borrower's loan And the cloud deposit-linked loan processing system includes a step of executing a loan using cash of at least one of the loan provision requested accounts, wherein the cloud deposit-linked loan processing system is included in the loan provision information, The loan can be executed on the basis of at least one of the loan offer desired rate set by the customer of each account or the loan offer desired period.
A cloud deposit-linked loan processing method for solving the above technical problem is characterized in that the cloud deposit-linked loan processing system stores at least a part of the cash of the customer account in the loan account information of each of the loan offer accounts set to be used for the borrower's loan , The cloud deposit-linked loan processing system executing a loan using cash of at least one of the loan provisioning accounts, and the cloud deposit-linked loan processing system executing a specific loan execution If the reason for the cancellation of the loan execution is occurred in the account and the loan period has not expired, the cash of at least one other loan offering account is substituted into the specific loan execution account and the at least one other loan offer account is loaned And can be set as a substitute for the execution account, If you left the Run the loan account may include the repayment of additional processing steps set the loan amount runs.
The above method can be implemented through hardware of a computer program installed in a data processing apparatus and a data processing apparatus capable of executing the computer program.
According to the technical idea of the present invention, by directly associating the deposit of the individual with the loan, the financial institution can separate the deposit and the loan and have the effect of allowing the individual (the depositor and / or the borrower) In particular, it has the effect of reducing the revenues related to risk management, fund management and / or licensing of financial institutions compared to the conventional lending methods and allowing the depositors and / or the borrowers to share their profits.
Also, from the viewpoint of customers (depositors), it is more advantageous than the P2P lending method in which the loan can be automatically used when the contract is made so that the cash of the account can be used for the loan and the loan should be deposited into the borrower or broker or system There is no hassle.
In addition, it has the effect of having high reliability compared to P2P by lending out the loan product made by the financial institution (a single financial institution or a combination of multiple financial institutions) to the customer's deposit.
Further, according to the embodiment of the present invention, the customer can present the desired loan interest rate or the desired loan period to be acquired by the customer, and the loan interest rate to be executed or the account to be used for the loan can be selected , And the borrower has the effect of financing low interest rate or long term financing.
Also, according to the technical idea of the present invention, while the customer can use the cash used for the loan as needed, the borrower needs to secure the stability of the borrowing, and the lending of such funds and the inconsistency of the borrowing period The solution has the effect of enabling customers to use cash more actively. The P2P loan or the conventional loan method is structured such that the loan period is determined according to the borrowing period. However, in contrast to the structure in which the loan lender can freely withdraw the loan fund, the technical idea related to the free recovery of the loan fund of the present invention There is an effect that can greatly activate the deposit-linked loan market.
BRIEF DESCRIPTION OF THE DRAWINGS A brief description of each drawing is provided to more fully understand the drawings recited in the description of the invention.
1 is a diagram showing a system configuration for implementing a cloud deposit-linked loan processing method according to the technical idea of the present invention.
FIG. 2 is a diagram for explaining a method of using an operational account for a cloud deposit-linked loan processing method according to an embodiment of the present invention.
FIG. 3 is a diagram for explaining a method of using a desired loan offer rate set by a customer in a cloud deposit-linked loan processing method according to an embodiment of the present invention.
4 is a view for explaining a method of settlement of profit to a customer in a cloud deposit-linked loan processing method according to an embodiment of the present invention.
5 is a diagram for explaining a method of performing a redemption process to a customer before a loan expiration period in a cloud deposit-linked loan processing method according to an embodiment of the present invention.
6 is a view for explaining a method of performing a lending process without using an operational account in the cloud deposit-linked loan processing method according to the embodiment of the present invention.
BRIEF DESCRIPTION OF THE DRAWINGS The present invention is capable of various modifications and various embodiments, and specific embodiments are illustrated in the drawings and described in detail in the detailed description. It is to be understood, however, that the invention is not to be limited to the specific embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.
The terms first, second, etc. may be used to describe various elements, but the elements should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another.
The terminology used in this application is used only to describe a specific embodiment and is not intended to limit the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise.
In this specification, the terms "comprises" or "having" and the like refer to the presence of stated features, integers, steps, operations, elements, components, or combinations thereof, But do not preclude the presence or addition of features, numbers, steps, operations, components, parts, or combinations thereof.
Also, in this specification, when any one element 'transmits' data to another element, the element may transmit the data directly to the other element, or may be transmitted through at least one other element And may transmit the data to the other component. Conversely, when one element 'directly transmits' data to another element, it means that the data is transmitted to the other element without passing through another element in the element.
Hereinafter, the present invention will be described in detail with reference to the embodiments of the present invention with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.
1 is a diagram showing a system configuration for implementing a cloud deposit-linked loan processing method according to the technical idea of the present invention.
Referring to FIG. 1, a cloud deposit-linked loan processing system 100 may be implemented to implement a cloud deposit-linked loan processing method according to the technical idea of the present invention.
The cloud deposit-linked loan processing system 100 may be a system for enabling a customer's deposit to be used for lending to a borrower according to the technical idea of the present invention.
In order to implement the technical idea of the present invention, the cloud deposit-linked loan processing system 100 uses a predetermined operational account (the operational account in the present invention may be an actual account, but may be a virtual account) . The principal can be received through execution and loan of the loan through the management account. According to another embodiment, the loan may be executed by directly connecting the account of the customer with the account of the borrower without using the operational account.
The cloud deposit-linked loan processing system 100 may implement the technical idea of the present invention while communicating with the customer account system 200 that manages and manages accounts of at least one customer according to an embodiment. Also, the cloud deposit-linked loan processing system 100 may implement the technical idea of the present invention while communicating with the
Although FIG. 1 illustrates that the cloud deposit-linked loan processing system 100 is implemented separately from the
Also, depending on the implementation, the
Or at least some of the customer's accounts or at least some of the borrower accounts may be accounts of different financial institutions and in this case the customer account system 200 or the
For example, in the embodiment in which the technical idea of the present invention is implemented by a plurality of financial institutions, for example, a customer's account of a securities company is a desired account for providing a loan, and a financial institution performing a stock- The B financial institution may construct the
The establishment of the interlocking account may be carried out automatically or by a predetermined procedure through the network by the system of the securities company A and the financial institution B, or the customer may visit the financial institution B You may have to open the linked account directly. In the embodiment in which the interlocking account is set, the interlocking account (for example, the
On the other hand, when the interlocking account becomes the account for providing the loan, the method of depositing and paying out funds with the original customer account (for example, the account of the customer of the A securities company) It can easily be understood by an average expert in the technical field of the present invention.
There are many other examples in which the technical idea of the present invention can be implemented by plural financial institutions. For example, there may be a variety of loan products such as real estate mortgage loans, mortgage loan loans, and credit loans, and the case where the entity that manages the loan product is different from the entity in which the customer's account exists.
In addition, the interlocking account does not necessarily have to be an account of a financial institution other than the original account of the customer, and the interlocking account may be set in the same financial institution if necessary. For example, an interlocking account may be used when it is desirable to make a loan through a new interlocking account rather than to use the customer's original account as a loan.
In addition, the interlocking account need not necessarily be newly set, and the account previously held by the customer may be used as an interlocking account.
As described above, according to the technical idea of the present invention, not only the account of the customer itself can be a desired account for providing a loan, but the interlocking account linked with the account of the customer may be a desired account for providing a loan.
In order for the technical idea of the present invention to be applied, it is possible that an asset is replaced through the interlocking account when assets are held in the account of the customer, and assets previously held in the customer's account are replaced with an interlocking account The technical idea of the present invention may be carried out.
Meanwhile, the cloud deposit-linked loan processing system 100 can be directly developed and operated by a financial institution or can be provided to an external system company through outsourcing development, and in addition, the cloud deposit- It is understood that the system 100 or a part thereof may be operated by a subject other than the financial institution.
Accordingly, regardless of who operates the cloud deposit-linked loan processing system 100, the
The cloud deposit-linked loan processing system 100 may communicate with the customer's
The cloud deposit-linked loan processing system 100 according to the technical idea of the present invention can execute the loan to the borrower using the customer's deposit. Clients can commit not only current deposits but also cash that can be held in their accounts in the future, through contracts, or they can easily provide loans for relatively small amounts.
Thus, compared to the way in which a person pays a specific cash for a specific lender or a specific loan product, such as a P2P loan brokerage method, the amount can be used in advance for a loan, and a small amount can be used for a loan. It is very easy to make additional profits.
According to the technical idea of the present invention, the service providing entity has the effect of easily securing the cash required when the loan is executed at a later time without fixing the borrower and the loan amount, There is an effect that the loan can be executed by utilizing the loans.
In addition, since the borrower is financed through funds associated with deposits, the loan can be borrowed in a relatively good condition as compared with the conventional method.
In order to provide such a technical idea, the cloud deposit-linked loan processing system 100 according to the technical idea of the present invention includes a
The cloud deposit-linked loan processing system 100 may mean a logical configuration having hardware resources and / or software required to implement the technical idea of the present invention, and must include one physical component It does not mean a thing or a device. In other words, the cloud deposit-linked loan processing system 100 may mean a logical combination of hardware and / or software provided to implement the technical idea of the present invention. If necessary, The present invention may be embodied as a set of logical structures for realizing the technical idea of the present invention. Also, the cloud deposit-linked loan processing system 100 may mean a set of configurations separately implemented for each function or role for implementing the technical idea of the present invention. For example, the
In this specification, a module may mean a functional and structural combination of hardware for carrying out the technical idea of the present invention and software for driving the hardware. For example, the module may refer to a logical unit of a predetermined code and a hardware resource for executing the predetermined code, and does not necessarily mean a physically connected code or a kind of hardware. Can be easily deduced to the average expert in the field of the present invention.
The
If the cloud deposit-linked loan processing method according to the technical idea of the present invention uses the operational account, the loan
Cash to be deposited into the operational account from each of the loan offer accounts shall be defined as the desired loan offer amount in this specification. The desired amount of money to be provided for the loan may be all of the cash existing in the account for providing the loan, but it may be part of the cash. For example, the desired amount of the loan can be specified at a predetermined ratio (for example, 80%, 70%, etc., to the cash present in the account for providing the loan, but may exceed the predetermined amount Or the amount of money to be provided for the loan may be set to a predetermined minimum amount (for example, one million won) or more.
By setting a predetermined criterion for the desired amount of the loan, it is possible to reduce the possibility of frequent repayment if the cash is not left in the account for providing the loan, and it is possible to reduce the inconvenience in the operation when the amount is too small .
The point at which the desired amount of the loan is deposited into the operational account can be variously implemented. According to an example, if the account is set as a loan offer account, the desired loan offer amount for each account may be directly deposited into the account. Alternatively, if the desired amount of the loan is held in the desired account for providing the loan, the desired amount of the loan may be deposited into the operational account when the desired account for loan is selected as the execution account for execution of the loan.
On the other hand, the desired amount of the loan provided by the specific account may be all used for the loan, only a part of the desired amount of the loan provided by the specific account may be used for the loan, or all may not be used depending on the implementation.
For example, when the predetermined customer account is set as the desired account for providing the loan, if the embodiment of the present invention is implemented so that the desired amount of the loan is deposited into the management account, the desired account for loan should be selected as the loan execution account, All or part of the amount may be used for lending. If it is not selected as a loan execution account, the entire amount of the loan offered may not be used for the loan.
In contrast, if the desired amount of the loan is deposited into the management account after the desired account for providing the loan is set as the loan providing account, the at least part of the desired amount of the loan can be used for the loan.
In order to perform the deposit process, the loan
The signal transmitted to the customer account system 200 by the
When the cash to be used for the loan is collected in the management account, the
When the borrowing request is made, the
Also, the
Also, the execution of the loan performed by the
When the lending is executed in this manner, the
It is desirable that the loan operation rate is higher than the loan rate of the loan execution account. If the loan management rate is lower than the deposit interest while the deposit-linked loan is executed, it is because the customer has little benefit to use his cash for the loan.
The loan interest rate may be specified, but may be determined based on a desired interest rate (a desired rate of providing a loan) set by a desired account for providing a loan as described later.
The
According to the technical idea of the present invention, the customer can easily utilize his / her own deposits in lending and obtain additional profit from the lending, so that it is possible to substantially increase the interest rate of the account itself.
Meanwhile, the
The loan provision information may include, for example, a date of setting up a commitment for a loan provision account, a deposit date for a loan provision desired amount, an original rate, account identification information, cash information, and the like. Further, it may further include information on a desired rate of providing a loan and / or a desired period for providing a loan set by a customer. It will be appreciated that the cloud deposit-linked loan processing system 100 can update the loan provision information at predetermined intervals through communication with the customer account system 200.
The
The
Meanwhile, according to the technical idea of the present invention, when the customer of the specific loan execution account wants to use the loan (withdrawal or transfer), the
The technical idea of the present invention will be described in more detail below.
FIG. 2 is a diagram for explaining a method of using an operational account for a cloud deposit-linked loan processing method according to an embodiment of the present invention.
Referring to FIG. 2, the cloud deposit-linked loan processing method according to the technical idea of the present invention uses a cash (for example, a hatched region) existing in a customer's accounts (for example, 1a, 2a, 3a and 4a) To execute the loan.
A customer who wishes to use a cloud deposit-linked loan processing method according to the technical idea of the present invention among the customer's accounts (for example, 1a, 2a, 3a, 4a) agrees with a predetermined agreement, (E.g., 1b, 3b, 4b).
The customer's terminal 500 transmits a predetermined web page provided by the cloud deposit linked loan processing system 100 or a predetermined web page provided to the customer account system 200 Mobile) page. The arrangement may be an arrangement that allows the cash to be used for the borrower's loan if there is cash in the customer's account, and may include a commitment to cash to be present in the account in the future as well as cash at the time of the arrangement have.
(For example, 1b, 3b, 4b) of the set loans (for example, 1b, 3b, 4b) if at least a part of the accounts of the customer is set as a loan offer account Can be deposited into the management account (10). (For example, 1b, 3b, 4b) according to an embodiment of the present invention, a desired loan amount corresponding to each of the loan offer accounts (for example, 1b, 3b, 4b) . ≪ / RTI >
According to an embodiment of the present invention, the desired amount of the loan may be within a certain percentage (for example, 70%, 80%, or a predetermined amount) of the cash held in the desired account (e.g., 1b, 3b, Lt; / RTI > In other words, in the case of depositing the held cash to the
Even if it is set as a desired account for providing a loan (for example, 1b, 3b, 4b), even if it is set to a loan provision desired account (for example, 1b, 3b, 4b) if the cash balance is a small amount smaller than a certain amount, 10) may not be performed. Loans that are too small can be difficult to manage. Therefore, the depositing process may be performed only in the loan offering account (for example, 1b, 3b, 4b) where the cash balance is higher than a certain amount or the desired amount of the loan is larger than the predetermined minimum amount.
According to another embodiment, as shown in FIG. 2, the desired amount of the loan provided from the account selected as the loan execution account out of the loan provision desired accounts (for example, 1b, 3b, 4b) may be deposited into the
In any case, according to the technical idea of the present invention, the cash of the customer account set as the loan provision desired account (for example, 1b, 3b, 4b) is deposited into the
In any case, the
An example in which the
FIG. 3 is a diagram for explaining a method of using a desired loan offer rate set by a customer in a cloud deposit-linked loan processing method according to an embodiment of the present invention.
Referring to FIG. 3, it can be assumed, for example, that there are cash of 1 million Yuan, 2 million Yuan, 1 million Yuan, 5 million Yuan, and 3 million Yuan in cash for each of the loan offer accounts (for example, 11,12,13,14,15) have. The above amounts may be the amount of money that exists in the loan offer account (for example, 11, 12, 13, 14, 15) (For example, 70%) of the cash existing in the banknotes 15). For the sake of convenience of explanation, it is assumed that the amount of each of the loan offer accounts (for example, 11, 12, 13, 14, 15) shown in FIG. 3 is a loan offer money amount that can be deposited into the
The cloud deposit-linked loan processing system 100 may then receive a loan request from the borrower via the
Then, the
For example, the desired interest rate for each of the loan offer accounts (for example, 11, 12, 13, 14, and 15) may be 4%, 3%, 5%, 3%, and 4.5% as shown in FIG. Such a desired interest rate may be an interest desired by each customer of the loan offer account (for example, 11, 12, 13, 14, 15). The cloud deposit-linked loan processing system 100 may receive information on the desired interest rate from a customer for each of the loan offer accounts (for example, 11, 12, 13, 14, 15) For example, the interest rate to which the constant rate added to each of the circular rate of 11, 12, 13, 14, 15 is added may be the desired rate of interest. For example, if the original interest rate of the
In any case, the
In the embodiment shown in FIG. 3, the loan offering accounts 12 and 14 having the desired interest rate of 3% can have a high priority in selecting the loan execution account. If only the desired interest rate is taken into account in the selection of the loan execution account, the
Of course, there may be a plurality of accounts having the same priority depending on what criteria is used when selecting a loan execution account, but account selection can be made precisely because selection criteria vary. For example, in the example shown in FIG. 3, a predetermined criterion (for example, a desired period, a setting date, a size of money, etc.) other than the desired interest rate may be a criterion to consider in selecting a loan execution account, Has the highest priority, the
In this case, the
According to another embodiment, the
When the priority of the selection of the loan execution account is determined for each of the loan offer accounts (for example, 11, 12, 13, 14, and 15), the loan execution amount for each account can be determined in various ways.
The criterion for determining the priority may include a desired interest rate as described above. The criterion may further include a desired period. Such a desired period may be information that sets a period during which the customer can use his or her cash for the loan. The longer the desired period, the higher the priority. Limitations may be made in a variety of ways, including arrangements and pledges, to prevent the use of loan execution amounts during the desired period. Of course, if the customer desires to use the loan execution amount before the desired period, the customer may use a repayment process to be used as described later. In this case, a predetermined penalty (for example, Relief, etc.) may be applied. Even if the customer can redeem at least a portion of the loan execution amount before the loan term expires, it may be more desirable and less likely to have a repayment process, And the desired period is used as a criterion for selecting a loan execution account, it is possible to secure the stability of the loan.
Also, the reference may be a setting date (e.g., a time when the user agrees to the arrangement) set as a loan offer account (e.g., 11, 12, 13, 14, 15). For example, the faster the set-up date, the higher the priority of the selection of a loan execution account, thereby allowing more customers to quickly set their account to a loan offer account (e.g., 11, 12, 13, 14, 15) It may be effective in securing the cash to be used for the loan. For example, a deposit date on which a desired amount of a loan to be provided to the
In addition, the accumulated amount of cash for each of the loan offer accounts (for example, 11, 12, 13, 14, 15) may be used as the reference. The accumulated amount may be the total of the cash per day. For example, if an amount of 1 million won exists in an account for 100 days, 100 * 1 million won = 100 million can be the accumulated amount of the account. The reference date for setting the accumulated amount may be from the date of establishment of the agreement or may be from the time when the desired amount of the loan is deposited into the
The method of executing the loan based on the accumulated amount of each account is as follows. When the loan occurs, the requested account for the loan (the account in which the desired amount of the loan is deposited into the management account or the account in which the requested amount of the loan is provided in the account) It can be a very useful loan execution method since it can have an effect of making it a running account and having an effect of first having a priority account of a loan offering account.
(For example, 11, 12, 13, 14, 15) according to the at least one criterion (for example, the desired interest rate for each account, the desired period, the set date (or the deposit date to the operational account 10) And a method of applying a weight to each criterion may be used. For example, an average expert in the technical field of the present invention can easily deduce that a method can be used.
If the desired rate is included in the criterion for determining the priority for selecting the loan execution account as described above, it can be a very meaningful loan processing method in which the loan interest rate is affected according to the customer's desired interest rate. From the customer's point of view, you may want to have your account selected as the loan execution account as much as possible because the interest rate set by your own may result in a higher interest rate than the original account interest rate. In addition, it may be advantageous to set the interest rate lower than other customers in order to execute a quick loan. If the lower interest rate is set and the higher priority is given to the selection of the loan execution account, the loan interest rate itself may be lowered Effect can occur.
For example, in the embodiment of FIG. 3 described above, the
Depending on the implementation, the desired interest rate of the loan execution account that finances the loan last, while financing the loan in a predetermined priority, may be the loan interest rate. For example, if the loan execution account having a high priority is the
According to the implementation example, the loan interest rate can be set by combining the interest and the amount of each account constituting 9 million won. Thus, it is possible to lower the borrowing cost of the borrower while achieving the desired interest rate by account.
In addition, there may be a variety of ways to determine the loan interest rate according to the desired loan interest rate set for each of the loan execution accounts. In any case, as the customer sets the desired interest rate lower, the low interest rate loan rate can be applied to the borrower do.
Also, as described above, the method of determining the loan execution amount by the loan execution account after the loan execution account is selected may also be various. According to an example, all of the desired amount of the loan to be provided from the high-priority loan execution account is determined as the loan execution amount, and if the loan is insufficient, the method of covering from the loan execution account of the next priority can be used.
Alternatively, after a fixed amount of money is determined as the execution amount for each account, the loan execution account may be selected according to the priority order until the loan can be covered.
Or the loan execution amount per account is calculated based on the total accumulated amount of the sum of the accumulated amount of the desired amount of loan offered by the above-described desired account (for example, 11, 12, 13, 14, 15) May be determined. The accumulated amount of the desired amount of loan for each loan offer account (for example, 11, 12, 13, 14, 15) means the accumulated amount of each of the loan offer accounts selected as the loan execution account out of the total loan offer accounts Of course.
For example, if the accumulated amount of the predetermined account 1 (or the desired amount of the integrated loan) is 100 million, the accumulated amount of the
According to the embodiment, the loan execution allocation amount according to the account accumulation ratio may be larger than the loan desired amount. In this case, the distribution method based on the additional amount may be applied to the second total accumulation distribution method, It can be done variously according to the idea.
When the loan execution account and the loan interest rate (or the loan operation interest rate) are determined and the loan is executed, the
An example related to this will be described with reference to FIG.
4 is a view for explaining a method of settlement of profit to a customer in a cloud deposit-linked loan processing method according to an embodiment of the present invention.
4, there are three states in which cash existing in the customer account exists in the customer's account, a state in the
According to one embodiment, when the specific account of the customer is set as the desired account for providing the loan, the loan
In this case, it is needless to say that the
In the period t3 after the loan is executed, the borrowing operation profit is applied to the B2 by applying the loan management interest rate, and for B1, the interest rate (or the interest rate at which the predetermined additional interest rate is added) Can be paid.
Since the unexecuted account which is not a loan execution account after the depositing process is performed in the
According to another embodiment, the desired amount of the loan can be deposited into the
The
Of course, for loan execution accounts, the loan management profit can be paid to each account, and the loan management interest rate can be set higher than the won rate, so that the customer can obtain additional monetary benefit.
According to the technical idea of the present invention, the customer can be redeemed so that he can use his / her own cash even after his / her cash is used for the loan. An example of the repayment process will be described with reference to FIG.
5 is a diagram for explaining a method of performing a redemption process to a customer before a loan expiration period in a cloud deposit-linked loan processing method according to an embodiment of the present invention.
Referring to FIG. 5A, a desired amount of money to be provided from each of the customer's desired accounts 20, 21, 22, 23, 24, 25, and 26 can be deposited into the
After the lending has been executed, for example, the reason for the lending cancellation may occur in the
To this end, the
As a criterion for selecting the alternative account, a method of selecting a loan execution account may be applied as described above. Depending on an implementation, a loan execution account that has already been loaned may be excluded from the selection of a substitute account. And the total replacement amount may be the loan execution amount of the
Then, the
If the loan execution amount is a part of the loan offered money amount transferred from the
If there is interest to be paid to the
Or the interest to be paid to the
At least one alternate account may each be newly set up as a loan execution account and the substitutional amount per alternate account may be set as the loan execution amount. Of course, when the account set as the initial loan execution account is selected as the alternative account, only the loan execution amount can be newly set.
According to another embodiment, as shown in FIG. 5B, the desired amount of the loan provision can be deposited into the
When the reason for lender cancellation occurs in the
In any case, the
According to another embodiment of the present invention, the cloud account-linked loan processing system 100 is not used for the cloud deposit-linked loan processing method, and the cloud deposit-linked loan processing system 100 is provided between the customer's account and the borrower's account Direct loans may be linked.
Such an example will be described with reference to FIG.
As shown in FIG. 6, the cloud deposit-linked loan processing system 100 has a loan provisioning account (for example, 30, 31, 32, 33) in which a cash set in an account of its own account is set to be used for a loan, (For example, 31 and 32) and cash included in the loan execution account (for example, b and c) among the loan execution accounts. And can transfer the loan execution amount by account to the account of the borrower, respectively. It is needless to say that the information such as the loan execution account, the execution amount of the loan by the account can be maintained / managed in the
Then, the loan execution account (for example, 31, 32) may be provided with the loan execution amount calculated by account and the loan management profit calculated according to the loan operation interest rate.
Since the borrower's account is used instead of the
Also, the selection of the loan execution account and the determination of the loan interest rate can be made by the technical idea as described above.
The cloud deposit-linked loan processing method according to the embodiment of the present invention can be implemented as a computer-readable code on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a hard disk, a floppy disk, an optical data storage device, and the like in the form of a carrier wave (for example, . In addition, the computer-readable recording medium may be distributed over network-connected computer systems so that computer readable codes can be stored and executed in a distributed manner. And functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers skilled in the art to which the present invention pertains.
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, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.
Claims (20)
A DB for storing loan provision information of each of the loan offering accounts;
A control module for executing a loan in accordance with a predetermined criterion using cash in the operational account in response to a loan request from a borrower; And
After the execution of the loan, transferring the loan management profit according to the loan management interest rate set on the basis of the loan interest rate applied to the loan to the loan execution account used for execution of the loan, ≪ / RTI >
Wherein the loan management interest rate is higher than the original interest rate of the loan execution account.
The deposit amount is set so as to be within a predetermined ratio of the cash balance of each of the loan provision requested accounts or a minimum limit of the loan provision desired amount so that the desired amount of the loan provision for each loan provision desired account can be received into the operational account. A cloud deposit linked loan processing system.
A desired rate of interest to be provided for the loan provided by the customer, and a desired period,
Wherein the control module executes a loan based on at least one of the desired loan offer rate and the desired loan period.
Wherein the lending is executed based on the total amount of the integrated lending offered by combining all of the desired amounts of the integrated lending by the requested lending offer calculated by accumulating the desired amount of the lending offered by the lending offered account by date Loan processing system.
A deposit date of the desired amount of the loan to be provided by the requested account for loan provided in the management account, or a desired period for providing the loan,
The control module includes:
Wherein the loan is preferentially executed as the deposit date of the desired amount of the loan is earlier or the longer the desired period of providing the loan is.
Before the at least a part of the desired amount of money to be provided for the loan in which the desired amount of money to be provided for the loan of the specific loan offer account is deposited and deposited is executed as a loan, Apply the interest rate,
And the interest is calculated at the lending operation rate for the loan execution amount after execution as a loan.
If the reason for the cancellation of the loan execution from the specific loan execution account occurs and the loan period has not expired, substitute the cash corresponding to the loan execution amount of the specific loan execution account from the loan provision desired amount of at least one other loan offer account And a redemption processing module for setting the at least one other loan provisioning account as a substitute for the loan execution account or for setting the loan execution amount when the other loan provisioning account is a loan execution account, Processing system.
Wherein the customer is an interlocked account set to be linked with the account of the customer.
A control module for executing a loan using cash of at least one of the loan offering accounts; And
After the execution of the loan, transferring the loan management profit according to the loan management interest rate set on the basis of the loan interest rate applied to the loan to the loan execution account used for execution of the loan, ≪ / RTI >
Wherein the loan management interest rate is higher than the original interest rate of the loan offer account.
And a control module for executing the lending using cash of at least one lendable account,
The control module includes:
The method comprising: selecting a loan execution account to be used for the loan based on at least one of the loan offer desired interest rate or the loan offer desired period set by the customer of each loan offer account included in the loan offer information, Determining Cloud Deposit Linked Loan Processing System.
A control module for executing a loan using cash of at least one of the loan offering accounts; And
If the reason for the cancellation of the loan from the specific loan execution account used for the loan occurs and the loan period does not expire, the cash of at least one other loan offer account is replaced with the specific loan execution account And a redemption processing module for setting the at least one other loan offering account to be replaced with a loan execution account or setting a loan execution amount if the other loan offering account is a loan execution account, system.
Performing a deposit process so that the cloud deposit-linked loan processing system can receive the desired amount of the loan offered by the desired account for loan provision to the management account;
Executing said loan in accordance with a predetermined criterion using cash in said operational account in response to a loan request from said borrower; And
Wherein the cloud deposit-linked loan processing system is a system in which after a loan is executed, a loan operating profit according to a loan operating interest rate set based on a loan interest rate applied to the loan is at least a part of the loan offering account and is a loan used for execution of the loan And transferring the money to the execution account,
Wherein the loan management interest rate is higher than the original interest rate of the loan execution account.
And executing the loan based on at least one of a desired loan offer rate or a desired loan offer period set by a customer included in the loan offer information and provided by each customer of the loan offer account.
Wherein said cloud deposit-linked loan processing system further comprises a step of preferentially selecting said loan execution account as soon as said desired date for setting a loan by said desired account for loan or the longer the desired period of said loan.
Wherein the cloud deposit-linked loan processing system is configured to calculate the desired amount of money to be provided for the loan before the at least a portion of the desired amount of money to be provided, which is deposited and deposited in the management account, Apply a rate equal to or higher than the original interest rate of a specific loan offer account,
And calculating interest on the loan execution amount after the execution of the loan as the loan operation interest rate.
Wherein the cloud deposit-linked loan processing system is configured to calculate the amount of money to be provided to the specific loan execution account from the desired amount of loan provision of at least one other loan provision desired account when the reason for the loan execution cancellation occurs in the specific loan execution account and the loan period has not expired The cash amount corresponding to the loan execution amount is replaced, the at least one other loan offering account is replaced with the loan execution account, or, in the case where the other loan offering account is the loan execution account, the loan execution amount is additionally set Further comprising the steps of: a.
The cloud deposit-linked loan processing system executing a loan using cash of at least one loan provisioning account; And
Wherein the cloud deposit-linked loan processing system is a system in which after a loan is executed, a loan operating profit according to a loan operating interest rate set based on a loan interest rate applied to the loan is at least a part of the loan offering account and is a loan used for execution of the loan And transferring the money to the execution account,
Wherein the loan operation rate is higher than the rate of each of the loanable accounts.
Wherein said cloud deposit linked loan processing system comprises performing a loan using cash in at least one said loan provisioning account,
The cloud deposit-linked loan processing system comprises:
And the loan is executed based on at least one of a desired rate of providing a loan or a desired period for providing a loan, which is included in the provided loan information and is set by a customer of each of the requested accounts for providing a loan.
The cloud deposit-linked loan processing system executing a loan using cash of at least one loan provisioning account; And
When the cloud deposit-linked loan processing system generates a reason for lending cancellation from a specific lending execution account in which the lender has executed the loan from the lender offering desired account and the lending period has not expired, cash of at least one other lending offered account A repayment processing step of alternately depositing the loan to the specific loan execution account, substituting the at least one other loan offer account with the loan execution account, or setting the loan execution amount if the other loan offer account is a loan execution account The method comprising the steps of:
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020160019171A KR20170097821A (en) | 2016-02-18 | 2016-02-18 | System and method for loan managing connected with user's deposit |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020160019171A KR20170097821A (en) | 2016-02-18 | 2016-02-18 | System and method for loan managing connected with user's deposit |
Related Child Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| KR1020180043496A Division KR20180043767A (en) | 2018-04-13 | 2018-04-13 | System and method for loan managing connected with user's deposit |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| KR20170097821A true KR20170097821A (en) | 2017-08-29 |
Family
ID=59760024
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| KR1020160019171A KR20170097821A (en) | 2016-02-18 | 2016-02-18 | System and method for loan managing connected with user's deposit |
Country Status (1)
| Country | Link |
|---|---|
| KR (1) | KR20170097821A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2019122977A1 (en) | 2017-12-21 | 2019-06-27 | Money Token Limited | A method for providing a loan with cryptocurrency as collateral |
-
2016
- 2016-02-18 KR KR1020160019171A patent/KR20170097821A/en not_active Application Discontinuation
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2019122977A1 (en) | 2017-12-21 | 2019-06-27 | Money Token Limited | A method for providing a loan with cryptocurrency as collateral |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CA3012608A1 (en) | Method, apparatus, and computer-readable medium for dividend yielding currency based on elastic securitization | |
| KR20210126152A (en) | Systems and methods for tokenized control of smart contracts | |
| KR20180115402A (en) | P2p funding system on block chain, and method thereof | |
| KR20050018865A (en) | System and method for managing accumulative fund connected to the use of credit card | |
| US20120209629A1 (en) | Systems and methods for providing an asset allocation whole life insurance option with a premium funding vehicle | |
| US20210042823A1 (en) | Single-action digital asset collateral-multiplier loan equivalent to a series of recursive digital asset collateral loans | |
| KR101020137B1 (en) | Method for loan for public subscrioption | |
| WO2019215976A1 (en) | Payment management system and payment management method | |
| KR20180043767A (en) | System and method for loan managing connected with user's deposit | |
| JP6337224B1 (en) | Information processing device | |
| KR20170097821A (en) | System and method for loan managing connected with user's deposit | |
| KR20170097429A (en) | System and method for loan managing connected with user's deposit | |
| KR20120026146A (en) | System and providing method for loan transaction | |
| KR20170095600A (en) | System and method for loan managing connected with user's deposit | |
| KR20130119712A (en) | Pension saving system using accumulated point | |
| KR20180061666A (en) | System and method for purpose limited savings associated with loan | |
| KR20210071335A (en) | Mediation system and method for loan contract between individual using block chain | |
| KR101629892B1 (en) | Share lending management system with enlarged pool | |
| KR20180062307A (en) | System and method for purpose limited savings associated with loan | |
| KR102270327B1 (en) | dividend loan system and method | |
| US20230153823A1 (en) | Systems and methods for rules-based transactions in a community | |
| JP6668444B2 (en) | Rent settlement system and rent settlement method | |
| JP6280258B1 (en) | Information processing apparatus, information processing system, and information processing method | |
| KR20220133118A (en) | Apparatus and method for providing credit insurance information in a financial system that provides peer to peer loan service using blockchain | |
| KR20210061014A (en) | Apparatus for Rental of Cryptocurrency Liquidity Using Blockchain |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| A201 | Request for examination | ||
| E902 | Notification of reason for refusal | ||
| E601 | Decision to refuse application |