KR20170110049A - System, method and program for providing security loan - Google Patents

Abstract

The present invention relates to a third party security providing method and program for executing a financial institution loan.
A method for providing a third party security for executing a financial institution loan according to an embodiment of the present invention is a method for providing a third party security for executing a financial institution loan by receiving a loan request of a specific amount from a loan requesting client server, A loan request receiving step (S100) of permitting inquiry of the loan basic information; A step (S200) of receiving credit information from a credit information manager server at the request of the request lender; Calculating a security utilization fee based on the credit information (S300); Requesting a financial institution for a third party security setting based on the security received from one or more investors (S400); And requesting the financial institution server to execute the loan request amount for the loan requestor (S500).
According to the present invention, a person who needs a loan (i.e., a loan requestor) can receive a loan of the first financial institution by receiving a third-person security with only a credit score.

Description

SYSTEM, METHOD AND PROGRAM FOR PROVIDING SECURITY LOAN BACKGROUND OF THE INVENTION [0001]

The present invention relates to a system, method and program for providing a third party security for executing a financial institution loan, and more particularly, to a system for providing a collateral as a third party so that a requestor can borrow a specific amount online through a loan, Method and program.

* As Internet-based technologies become popular, various services such as peer-to-peer (P2P) are being developed and used.

The above-mentioned peer-to-peer means that a person and an individual share a file by being directly connected to each other. This concept differs from a conventional client-server concept in sharing data and implementing a service. Phishops are gradually evolving, including a variety of content, including comprehensive sharing between individuals and individuals.

The Internet technology described above is widely used in life, and financial services may be included as an example. Financial services are spread across a variety of fields, including Internet banking and Internet lending. For example, a 'loan processing method and system and a program recording medium therefor' disclosed in Japanese Patent Laid-Open No. 10-2009-0001948 have been disclosed.

Most lenders want to use the lending of the first financial sector, which is stable and low in interest, but it is difficult for the first financial institution to borrow the loan if there is no collateral to provide (for example, housing) or low creditworthiness. To solve these problems, there are services to provide loans with lower interest rates to borrowers with low creditworthiness or collateral, with loans raised through P2P.

However, in case of P2P loan, there is a restriction to register as a lender in order to provide services in Korea. Even if a P2P lender registers as a lender, it is difficult to provide the same benefits as the loan service of the first bank. Therefore, there is a need for a method to help secure a first financial loan, rather than simply giving out the money obtained by P2P.

To solve these problems, a system, a method, and a program for providing a third party security for executing a financial institution loan, which makes it possible to execute a stable loan from a financial institution of a first financial institution through a third- .

In addition, there was an inconvenience to prepare the supporting documents to visit the financial institutions in order to receive the loans. A system and method for providing a third party security for executing a loan of a financial institution, which performs a simple online loan through an application or a website in a loan requestor client connected to a loan connection company server.

In addition, the financial institution of the first financial institution receives the amount corresponding to the loan with the third party collateral, so the loan is executed without reducing the amount of the holding money, and the loan progress fee is received according to the contract with the loan- Methods, and programs for providing third party mortgages for the execution of financial institution loans, which are capable of issuing third party mortgages.

A method of providing a third party security for executing a financial institution loan according to an embodiment of the present invention is characterized in that the loan association server receives a loan request for a specific loan request amount from a loan request client, Receiving a loan request or permitting inquiry of the loan basic information; A credit information receiving step of receiving credit information from the credit information management entity server by a request for a loan requesting entity's credit information management entity server; Wherein the loan connection company server calculates a fee for use of a mortgage on the basis of the credit information, wherein the fee for use of the mortgage is calculated as a fee for using a mortgage-linked company as a third party to provide a cash loan of a financial institution loan step; Providing the investment proposal information to the investor client, wherein the investment proposal information includes a security utilization fee; Requesting transfer of the investment amount from the at least one investor account registered in the loan association company to the account for providing the third party security according to a request of one or more investors received based on the investment offer information, A third party security providing step of requesting a financial institution server to set up a pledge for an account in which a third party security deposit is secured when the amount of money that can be secured is reached, the investment amount being all or part of the loan request amount; And the loan associating company server requests the financial institution server to execute a loan of the loan request amount to the loan requestor and provides a loan progress fee to the financial institution, And a loan execution request step of receiving a loan from the loan association company upon execution of a procedure for execution.

In another embodiment, the step of calculating the security utilization fee includes determining a weight for one or more independent variables, and the independent variable is applied to the calculation of the security utilization fee; Applying the weight to each independent variable to calculate a coverage fee rate; And calculating the mortgage utilization fee according to the loan request amount based on the mortgage utilization fee rate, wherein the weight value is a numerical value determined according to a value applied to each independent variable.

According to another embodiment of the present invention, the step of calculating the security utilization fee includes the behavior analysis data as the independent variable, wherein the behavior analysis data is data on the loan requestor obtained through crawling.

According to another embodiment of the present invention, the loan execution request step requests the financial institution server to limit the interest on the loan principal upon providing the loan progress fee from the loan association company to the financial institution. do.

According to another aspect of the present invention, in the receiving of the credit information, the loan partner company server requests the loan requestor client to provide the credit information data for the loan requestor, Sending specific loan request data to the loan requestor to the information management agency server; Requesting the credit information management organization server to perform identity verification; And receiving credit information data when the identity verification is completed.

According to another embodiment of the present invention, in the third party security providing step, when a third party guarantee amount corresponding to the loan request amount requested by the loan requestor is secured by one or more investors, To the third party.

According to another aspect of the present invention, there is provided a method for providing a loan to a financial institution, the method comprising: receiving, when the loan requester repays a loan to a financial institution, And repayment of an amount corresponding to the amount of the reimbursement from the account of the financial institution to the financial institution server.

A third party security providing program for executing a financial institution loan according to another embodiment of the present invention executes a third party security providing method for executing the aforementioned financial institution loan execution in combination with a computer as a hardware, / RTI >

According to the present invention as described above, the following various effects are obtained.

First, a person who needs a loan (that is, a requestor of a loan) can receive a loan from the first financial institution by receiving a third-party security with a credit score only. That is, the requester does not need to provide his own collateral to receive the first financial lease.

Second, the risk of a credit crunch is significantly lower than that of a lender and a second financial institution, since the loan is directly borrowed from the financial institution of the first bank only by providing third party collateral through a loan-linked company.

Third, the credit score can be increased if the loan requestor who has experienced the loan from the existing savings bank, credit card company, or capital company switches to the first financial loan through the third party security service.

Fourth, since it has the same effect as performing a loan at a bank, it is illegal for the lender to collect the reimbursement by the bank affiliated with the loan association company (that is, the financial institution of the first financial institution performing the loan) The risk of being exposed to in-harvesting can be reduced. In addition, from the viewpoint of financial institutions, unlike loans through lenders that can not confirm the loan records, it can be confirmed as legitimate and official loan records as common bank loans through sharing with the Federation of Banks and sharing of credit information companies.

Fifth, since the loan relationship occurs between the financial institution and the requestor of the loan, the requestor of the loan has the effect of protecting the requestor and the investor from the risk of the loan-linked company. That is, the loan contract can be maintained without being affected by the legal status of the loan-linked company.

Sixth, it is not necessary to visit the bank directly in order to receive the loan of the first financial institution, and the loan can be easily performed through an application or a website provided by the loan-linked company.

FIG. 1 is a diagram illustrating a connection relationship between a loan partner company server, a loan requestor client, an investor client, a credit information management agency server, and a financial institution server according to an exemplary embodiment of the present invention.
FIG. 2 is a flowchart of a third party security providing method for executing a financial institution loan according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating a data transmission / reception relationship between a loan association server, a loan request client, an investor client, a credit information management institution server, and a financial institution server when providing a third party guarantee for executing a financial institution loan according to an embodiment of the present invention. Fig.
4 is a flowchart illustrating a process of requesting credit information of a third party security providing method according to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating a process for calculating a security utilization fee of a third party security providing method according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. 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. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. 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.

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. Also, commonly used predefined terms are not ideally or excessively interpreted unless explicitly defined otherwise.

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. The terms " comprises "and / or" comprising "used in the specification do not exclude the presence or addition of one or more other elements in addition to the stated element.

In this specification, a client refers to any device including a communication function by which a user (for example, a loan requestor or an investor) can install and use a program (or an application). That is, the client may be a cellular phone, a personal communication service phone (PCS phone), a mobile terminal of a synchronous / asynchronous IMT-2000 (International Mobile Telecommunication-2000), a Palm personal computer, A mobile phone, a tablet PC, a smart watch, a notebook PC, a desktop PC, a smart camera, a smart TV, etc. Various communication devices. In addition, the client may include a device that basically does not include a communication function but can perform communication by combining memory chips having a communication function.

In this specification, the loan-linked company corresponds to a company that links the loan requestor's financial institution loan. That is, a loan-linked company is a company that receives a loan request from a loan requestor and provides the loan to a financial institution as a third party other than the loan requestor itself.

In this specification, the loan requester is a person who wants to receive a loan from a financial institution. In particular, the loan requester is a person who wants to receive a loan using a loan service provider's loan service. Also, the loan requestor client 200 means a client used by the loan requestor.

In this specification, an investor means a person who provides a loan requestor with all or part of the collateral required to execute a financial institution loan. In other words, the investor means a person who provides all or part of the third-party collateral required for the execution of the loan of one or more loan requestors requested to provide services to the loan-linked company.

In this specification, the financial institution server 500 refers to a server operated by a financial institution in order to provide a loan through on-line in connection with the loan association company server 100. [

In this specification, the credit information management organization server 400 corresponds to a server that includes personal credit information. That is, the credit information management organization server 400 may correspond to a server that provides credit information of a specific individual upon request of the financial institution server 500 or the loan association company server 100. For example, the credit information management organization server 400 collects personal transaction information from a financial institution such as a bank, a credit card company, or an insurance company, processes the personal transaction information to generate various types of credit information data, A server operating by an organization that can provide the service of the user.

In the present specification, the fee for use of collateral is a fee received by a loan-linked company for providing a cash collateral to a financial institution as a third party for execution of the loan request of a loan applicant.

In the present specification, the credit information is data for determining the creditworthiness of the loan requestor, and is used for calculating the fee for using a mortgage.

In the present specification, the parent account is an account in the name of a financial institution or a loan association company, and means an account used for securing the third party security. For example, there may be one account in the name of a financial institution or a loan-linked company, and there may be a number of accounts corresponding to the number of loan requesters to form a third-party guarantee for each loan requestor.

In this specification, an individual account is an account assigned to each investor, and means an account used for securing deposits to be provided for the formation of a third party security. An individual account may have a real money transfer or a virtual account linked to an existing account (ie, a parent account) (for example, an account assigned only to an account number).

Hereinafter, a third party security providing method and program for executing a financial institution loan according to embodiments of the present invention will be described with reference to the drawings.

1 is a diagram illustrating a connection relationship between a loan partner company server 100, a loan requestor client 200, an investor client 300, a credit information manager server 400, and a financial institution server 500 according to an embodiment of the present invention. . FIG. 2 is a flowchart of a third party security providing method for executing a financial institution loan according to an embodiment of the present invention. FIG. 3 is a block diagram illustrating a third embodiment of the present invention. FIG. 3 is a block diagram illustrating a third embodiment of the present invention. Referring to FIG. 3, (400) and the financial institution server (500).

2 and 3, a third party security providing method for executing a financial institution loan according to an embodiment of the present invention is a method in which a loan connecting company server 100 receives a loan of a specified amount from a loan requesting client 200 Receiving a request for a loan, wherein the loan request is to receive the loan basic information or permit inquiry of the loan basic information (S100); Receiving credit information from the credit information management authority server at the request of the loan requestor (S200); Calculating a security utilization fee based on the credit information (S300); Requesting a financial institution for a third party security setting based on the security received from one or more investors (S400); And requesting the financial institution server 500 to execute the loan request amount for the loan requestor (S500). A third party security providing method for executing a financial institution loan according to an embodiment of the present invention will be described in order.

The loan partner company server 100 receives a loan request for a specific amount (that is, the loan request amount) from the loan requestor client 200 (S100). The loan request may mean receiving the loan basic information or granting inquiry of the loan basic information. The basic information of the loan is data necessary for the progress of the loan, and it includes information of the loan request condition (for example, loan request amount, repayment period, purpose of loan), personal information of the loan requestor (for example, .

For example, the loan partner company server 100 provides an interface for inputting loan basic information such as a loan purpose, a loan request amount, and a repayment period to the loan requestor client 200, and receives the inputted loan basic information can do. Also, for example, the loan partner company server 100 may provide an interface for inputting the income information of the loan requestor to the loan requestor client 200, and may be provided with an external institution server (i.e., A server of an external entity that contains data that can estimate the loan requester's income).

In addition, the loan partner company server 100 may transmit the terms of use for using the third party security service to the loan requestor client 200 to request approval. For example, the loan partner company server 100 transmits service use basic condition data, personal information (or credit information) collection use agreement request data, personal information (or credit information) third party provision agreement data, etc. to the loan requestor client 200), and may request approval of the loan requestor. The loan-linked company server 100 needs to provide the investor with a part of the loan requestor's credit information in order to secure the third-party security, and may use the personal information or credit (Or credit information) third party provision agreement and personal information (or credit information) third party provision agreement from the loan requestor, since the information is required to be provided to the financial institution, Can be performed.

Also, the loan requestor may correspond to a user subscribed to the third party security service. The loan requestor may utilize a Social Network Service (SNS) account to join the service. As the loan requestor subscribes using the SNS account, the loan vendor server 100 can receive personal information (or personal information) of the loan requestor from the SNS server and receive data on the use of the SNS. The loan partner company server 100 can use the data on the use of the SNS to calculate the mortgage utilization fee of the loan requestor.

The loan partner company server 100 receives the credit information from the credit information management entity server at the request of the loan requestor (S200). Since the loan requestor needs to provide collateral to obtain stable loans from the financial institution (especially the financial institution of the first financial institution), the loan-linked company forms an in-kind collateral to provide third party collateral and obtains the commission can do. However, depending on the credit level of the requestor, the fee for providing the mortgage may be differentially applied. To this end, since the loan requestor client 200 requests the credit information manager server 400 to provide the credit information to the loan partner company server 100, the loan partner company server 100 transmits at least one credit It is possible to obtain the credit information data including the credit information to be utilized in the calculation of the security utilization fee from the information management organization server 400. [

As shown in FIG. 4, the loan partner company server 100 requests the loan requestor client 200 to provide the credit information data for the loan requestor (step S200) , The credit information data provision request is for the loan requestor client to send specific loan request data for the loan requestor to the credit information management server (S210); And receiving credit information data from the credit information management authority server 400 (S230). First, the loan partner company server 100 may request the loan request client 200 to provide credit information data for the loan requestor (S210). The credit information data provision application may be such that the loan requestor client transmits specific loan request data to the credit request manager to the credit information manager server. The loan requestor data may be data that the credit information management server 400 needs to search for credit information of a specific loan requestor. For example, the loan requestor data may correspond to the resident registration number and the name, which are identification information of the loan requestor. When the credit-linked company server 100 directly requests credit information data to the credit information management entity server, the procedure may be more complicated than when the credit information data is directly requested by the credit-information provider server 100, The partner company server 100 requests the loan requestor to transmit the loan requestor data to the credit information management organization server 400 and provides the credit information data extracted from the credit information management institution server 400 to the loan association company server can do. In step S210, the loan requester inputs the loan requester data (e.g., name and resident registration number) on the user interface (UI) provided to the loan requester client 200 from the loan associating company server 100 (For example, the credit information data is automatically transmitted to the credit information management organization server 400 by requesting the credit information data provider to request the credit information data at the request of the user, The loan partner company server 100 may receive the credit information data at step S230. The credit information data may include credit evaluation result data calculated by the credit information management organization server 400 and may include various determination factor data used for calculating credit evaluation result data. The loan partner company server 100 may directly receive credit information data from the credit information management entity server 400 according to a request of the loan requestor client 200 for the credit information management entity server 400, And may be received from the loan requestor client 200 that has received the credit information data from the institution server 400.

In addition, it may further include requesting the credit information management organization server 400 to perform identity verification (S220). That is, it may be necessary to approve the loan requestor to receive the credit information from the credit information management institution server 400, and it may be necessary to confirm that the loan request matches the individual who is inquired about the credit information. Therefore, 100 may request the credit information management organization server 400 to perform the identity verification procedure of the loan requestor. For example, the loan partner company server 100 may request the credit information manager server 400 to provide a link or page for performing the identity verification procedure directly to the loan requestor client 200, And may provide data to the loan requestor client 200 by receiving the data for carrying out the identity verification procedure. As the data for authenticating the user, not only a public certificate but also a biometric signal (e.g., iris pattern information, fingerprint information, voice pattern information, etc.) of an individual who can identify each individual may be applicable.

In particular, by performing the identity verification procedure by the loan requestor, the loan association company can receive the credit information obtained by performing the credit information inquiry by the loan requestor himself / herself. In other words, since the credit information is inquired by a person rather than a financial institution, the credit information can be obtained without affecting the credit rating of the requester.

The loan partner company server 100 calculates a fee for using a mortgage based on the credit information (S300). The method of calculating the fee for using a mortgage can be calculated by calculating the fee corresponding to the credit information, calculating the rate of the mortgage utilization fee based on the credit information, and applying the fee to the demand amount of the loan.

One or more credit information may be used in the process of calculating the utility fee. In one embodiment, the loan partner company server 100 may calculate the fee for using the credit evaluation result by applying the credit rating result data calculated through the analysis by the credit information management entity as it is. That is, the loan partner company server 100 can extract the security fee corresponding to the credit evaluation result data calculated by the credit information management organization.

In another embodiment, the loan partner company server 100 may utilize the credit evaluation result data or one or more determination factors used for calculating the credit evaluation result data together as independent variables of the calculation of the utility fee. In particular, when using one or more pieces of credit information data as independent variables, the loan-linked company server 100 applies a different weight to each independent variable based on the creditworthiness of the requestor of the loan and the loan application amount of the requestor of the loan, The utilization fee can be calculated. The loan partner company server 100 can accurately calculate the risk of providing the collateral than the credit information data provided by the credit information management institution by applying the weight value.

Specifically, the step S300 of calculating the security utilization fee includes determining (S310) a weight for one or more independent variables as shown in FIG. 5; Applying the weight to each independent variable to calculate a coverage fee rate (S320); And calculating the security fee according to the amount of the loan request based on the security fee rate, the weight value being a numerical value determined according to a value applied to each independent variable.

First, the loan vendor server 100 may determine the weights for one or more independent variables (S310). The independent variable is one or more variables (i. E., Consideration factors) applied to the calculation of the mortgage utilization fee. In other words, the weights of independent variables can be calculated by statistically analyzing the strength of the correlation between the independent variables and the probability of insolvency. For example, the loan vendor server 100 may accumulate data for each independent variable and then determine an appropriate weight through statistical analysis.

In one embodiment, the loan vendor server 100 may perform a logistic regression analysis repeatedly with the candidate independent variables (about 200) to select variables to be included in the final model, A linear approximation is performed on a plurality of pieces of data to determine the weight of each independent variable (for example, the coefficients B1 to Bk calculated from the calculation formula of B0 + B1X1 + ... + BkXk type) . Also, the loan-linked company server 100 scales the value calculated through the logistic regression analysis and can use the scaled value as a weight for each independent variable.

Thereafter, the loan-linked company server 100 may calculate the security utilization commission rate by applying the weight to each independent variable (S320). The loan vendor company server 100 may directly calculate the security utilization fee by applying the value of each independent variable and the corresponding weight value to the security utilization fee calculation formula. That is, the loan partner company server 100 applies a numerical value reflecting the weight to the independent variable value (for example, a value obtained by multiplying the numerical value of the independent variable by the weight value) in the mortgage utilization commission rate calculating formula, The utilization fee rate can be calculated. In addition, the loan-linked company server 100 calculates the non-performing risk (the possibility of insolvency risk or the insolvency risk) of the loan requestor using the values of the independent variables and the corresponding weight values, A predetermined fee utilization rate may be extracted. That is, the loan-linked company server 100 calculates the score for the loan requestor (i.e., the score for the insolvency risk level of the loan requestor) by applying each weight to the independent variable, and calculates a loan amount The mortgage utilization rate corresponding to the requester's score can be determined.

Thereafter, the loan partner company server 100 may calculate the fee for using the mortgage according to the loan request amount based on the mortgage utilization fee rate (S330). The loan-link company server 100 may calculate the security fee to be received from the loan requester by multiplying the loan request amount by the loan utilization fee rate. In the case where the loan requester is repayed by dividing N times, the repayment fee can be multiplied by the rate of use of the mortgage service fee to calculate the mortgage use fee to be paid upon each repayment, and the mortgage service fee can be calculated based on the remaining loan (or the third party mortgage) The utilization fee can be calculated.

Also, in the step S300 of calculating the fee for use of a security, the credit factors other than the credit information data received from the credit information management server 400 are also used as independent variables to calculate a credit level suitable for the third party security service The fee for use of the mortgage (or the mortgage utilization fee rate) can be calculated. For example, the loan partner company server 100 may calculate the fee for use of the collateral including behavior analysis data as an independent variable. The behavior analysis data may be data regarding the loan requestor obtained through crawling. For example, the behavior analysis data may include data on the time the loan requestor stays on a specific page, the action performed on a particular page, the object selected on a particular page, and the like, . For example, a loan requester can identify the tendency of a loan requester through an act of approving without confirming the terms page at all, so that it can be reflected in the calculation of the fee for use of the collateral corresponding to the risk of providing the collateral.

The loan vendor company server 100 requests the financial institution to set up a third party security based on the security received from one or more investors (S400). The loan partner company server 100 may receive all or a part of the third party guarantee for executing the loan of the specific loan requestor from one or more investors (S410). That is, the loan partner company server 100 can receive a payment application request corresponding to all or a part of the loan request amount from one or more investor clients 300. The investor requests the transfer from the account registered in the loan-linked company (that is, the account of the principal) to the account for providing the third party security (for example, the account of the loan association company in the financial institution in which the loan is to be executed) . At this time, the loan partner company server 100 can provide the investor client 300 with the investment offer information to the investor client 300. [ The investment offer information may include a security utilization fee. Since the mortgage utilization fee is a numerical value corresponding to the creditworthiness of the loan requestor, it can indicate the factors of investment risk and the return on investment. Accordingly, if the mortgage utilization fee (or the mortgage utilization fee rate) calculated and provided by the loan partner company server 100 is high, the investor can pay the commission for the investment Commission) can be judged to be able to receive a lot. Thereafter, when the loan-linked company server 100 reaches the amount that can secure the loan request amount, it can request the financial institution server 500 to set up the security for the account secured with the third-party guarantee (S420 ). In one embodiment, the loan partner company server may request the financial institution server 500 to set the pledge for the account secured with the third party security. Further, in another embodiment, the pledge may be requested after the transfer to the account of the loan company, which is distinguished from the account of the loan-linked company that has transferred the investment money from the investor. Since the loan-linked company can not dispose of the third-party collateral by transferring it to a separate account that can be managed by the financial institution, the security of the third-party collateral can be guaranteed to the requestor and the investor.

In addition, the loan partner company server 100 may divide the loan request amount of the loan requestor into a specific number. It can be divided based on the set minimum unit, and the investor can select the number of divided bonds to carry out the investment. This enables investors to make diversified investments, which can reduce the risk of delinquency of certain loan requestors. In addition, there is an effect that profit rate and risk rate can be changed according to the investment dispersion method (portfolio composition) of the person.

The loan partner company server 100 requests the financial institution server 500 to execute the loan request amount for the loan requestor (S500). That is, the financial institution (in particular, the bank of the first financial institution) executes the loan based on the third-party provided collateral at the request of the loan-linked company server 100 so that the account of the loan requestor (for example, A loan requestor account or an account registered at the time of joining the loan association company). The risk of a credit crunch is significantly lower than that of a lender and a second bank, because it is borrowed directly from the financial institution of the first bank only by providing third party collateral through a loan-linked company. In addition, if a loan requestor who has experienced a loan from an existing savings bank, a credit card company, or a capital company switches to a first financial loan through a third party security service, the credit score may increase. In addition, it can enjoy the same effect as performing a loan at a bank, so that collection of the reimbursement is illegally carried out by a bank affiliated with the loan association company (that is, the financial institution of the first financial institution performing the loan) The risk of exposure can be reduced. Since the loan relationship occurs between the financial institution and the requester of the loan, the loan requester can maintain the loan contract without being influenced by the legal status of the loan association company, and the investor keeps the investment in the financial institution account, It is possible to guarantee the principal without being affected by the legal status of the fund.

In addition, the third party security providing method for executing the financial institution loan according to an embodiment of the present invention may include the step of the loan connecting company server 100 providing the advance fee to the financial institution. The loan progress fee may be a fee received by the financial institution from a loan-linked company as a procedure for forming a third-party security provided by the loan-linked company or performing a loan execution procedure. For example, a loan advancement fee may be transferred from a loan-related company to a loan-related company as it takes charge of procedures necessary to execute a loan such as transfer of a loan or a mortgage, or a procedure necessary to execute an investment such as generation of a parent account and an individual account, It may be a commission fee. In addition, the loan execution request step S500 may request the financial institution server 500 to limit the interest on the loan principal. In other words, since the financial institution can receive the loan proceeding fee by executing the loan for the loan requestor from the account of the loan-linked company, the loan partner company server 100 does not receive the interest on the loan (that is, To the financial institution server 500. The conditions for interest-free loans may be added as a condition of contract or agreement between the loan-linked company and the financial institution. Since the financial institution carries out the loan to the requestor of the loan while receiving the transfer of the third-party collateral to the account of the third party, the loan can be proceeded in the absence of the money actually withdrawn from the financial institution. Accordingly, the loan-linked company server 100 can request the financial institution server 500 to limit the interest-receiving, and allow the financial institution to make a profit through the loan proceeding fee.

In addition, when the loan requester repays the loan to the financial institution, the loan cooperating company server 100 receives the payment result of the loan requester from the financial institution server; And repayment of the amount corresponding to the amount of the reimbursement from the account at the financial institution to the financial institution server 500. That is, when it is confirmed from the loan requestor that the payment has been received (that is, when the loan connection company server 100 receives from the financial institution server 500 the payment amount of the specific loan requestor is the account of the loan- The loan partner company server 100 divides the repayment amount transferred from the loan requestor into a specific account to transfer it to the investor account (that is, the investor) Of the amount of money deposited in the account set as collateral, and to maintain the pledge on the reduced third party security. The loan vendor company server 100 may request reduction in the third party mortgage amount in the account of each account and the execution of the process of returning the investment money at each time the deposit money is deposited. In addition, after the loan partner company server 100 first requests to perform the process of reducing the third-party security within the account and the return of the investment money at a specific time (for example, when the financial institution and the loan partner company are contracted) Or may be performed by itself. This makes it possible to easily perform the redemption processing with the amount deposited by the loan requester without complicated transfers among the various accounts.

In addition, the loan partner company server 100 may receive the receipt of the mortgage utilization fee from the financial institution, divide the mortgage utilization fee, and request the transfer fee for the loan participation fee to one or more investors. The loan-linked company server 100 can determine the loan participation fee allocated to each investor by reflecting the ratio of the investment amount and the investor's grade.

As described above, the method for providing the third party security for executing the financial institution loan according to the embodiment of the present invention may be implemented as a program (or an application) in order to be executed in combination with a server that is hardware and stored in a medium.

The above-described program may be stored in a computer-readable medium such as C, C ++, JAVA, machine language, or the like that can be read by the processor (CPU) of the computer through the device interface of the computer, And may include a code encoded in a computer language of the computer. Such code may include a functional code related to a function or the like that defines necessary functions for executing the above methods, and includes a control code related to an execution procedure necessary for the processor of the computer to execute the functions in a predetermined procedure can do. Further, such code may further include memory reference related code as to whether the additional information or media needed to cause the processor of the computer to execute the functions should be referred to at any location (address) of the internal or external memory of the computer have. Also, when the processor of the computer needs to communicate with any other computer or server that is remote to execute the functions, the code may be communicated to any other computer or server remotely using the communication module of the computer A communication-related code for determining whether to communicate, what information or media should be transmitted or received during communication, and the like.

The medium to be stored is not a medium for storing data for a short time such as a register, a cache, a memory, etc., but means a medium that semi-permanently stores data and is capable of being read by a device. Specifically, examples of the medium to be stored include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, but are not limited thereto. That is, the program may be stored in various recording media on various servers to which the computer can access, or on various recording media on the user's computer. In addition, the medium may be distributed to a network-connected computer system so that computer-readable codes may be stored in a distributed manner.

According to the present invention as described above, the following various effects are obtained.

First, a person who needs a loan (that is, a requestor of a loan) can receive a loan from the first financial institution by receiving a third-party security with a credit score only. That is, the requester does not need to provide his own collateral to receive the first financial lease.

Second, the risk of a credit crunch is significantly lower than that of a lender and a second financial institution, since the loan is directly borrowed from the financial institution of the first bank only by providing third party collateral through a loan-linked company.

Third, the credit score can be increased if the loan requestor who has experienced the loan from the existing savings bank, credit card company, or capital company switches to the first financial loan through the third party security service.

Fourth, since it has the same effect as performing a loan at a bank, it is illegal for the lender to collect the reimbursement by the bank affiliated with the loan association company (that is, the financial institution of the first financial institution performing the loan) The risk of being exposed to in-harvesting can be reduced. In addition, from the viewpoint of financial institutions, unlike loans through lenders that can not confirm the loan records, it can be confirmed as legitimate and official loan records as common bank loans through sharing with the Federation of Banks and sharing of credit information companies.

Fifth, since the loan relationship occurs between the financial institution and the requestor of the loan, the requestor of the loan has the effect of protecting the requestor and the investor from the risk of the loan-linked company. That is, the loan contract can be maintained without being affected by the legal status of the loan-linked company.

Sixth, it is not necessary to visit the bank directly in order to receive the loan of the first financial institution, and the loan can be easily performed through an application or a website provided by the loan-linked company.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, You will understand. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

100: Loan affiliate server 200: Loan requester client
300: Investor Client 400: Credit Information Management Agency Server
500: financial institution server

Claims (8)

Wherein the loan associating company server receives a loan request for a specific loan request amount from the loan requestor client, the loan request being for receiving the loan basic information or permitting inquiry of the loan basic information;
A credit information receiving step of receiving credit information from the credit information management entity server by a request for a loan requesting entity's credit information management entity server;
Wherein the loan connection company server calculates a fee for use of a mortgage on the basis of the credit information, wherein the fee for use of the mortgage is calculated as a fee for using a mortgage-linked company as a third party to provide a cash loan of a financial institution loan step;
Providing the investment proposal information to the investor client, wherein the investment proposal information includes a security utilization fee;
Requesting transfer of the investment amount from the at least one investor account registered in the loan association company to the account for providing the third party security according to a request of one or more investors received based on the investment offer information, A third party security providing step of requesting a financial institution server to set up a pledge for an account in which a third party security deposit is secured when the amount of money that can be secured is reached, the investment amount being all or part of the loan request amount; And
The loan association company server requests the financial institution server to execute a loan of the loan request amount with respect to the loan requestor and provides a loan progress fee to the financial institution, And a step of requesting execution of a loan, the step of requesting execution of a loan, the fee being received from the loan association company upon performing a procedure for performing a loan for a financial institution. The method according to claim 1,
The step of calculating the security utilization fee includes:
Determining a weight for one or more independent variables, wherein the independent variable is applied to the calculation of the mortgage utilization fee;
Applying the weight to each independent variable to calculate a coverage fee rate; And
And calculating the mortgage utilization fee according to the loan request amount based on the mortgage utilization fee rate,
Wherein the weight is a numerical value determined according to a value applied to each independent variable. 3. The method of claim 2,
The step of calculating the security utilization fee includes:
Wherein the behavior analysis data includes behavior analysis data as the independent variable, wherein the behavior analysis data is data on a loan requestor obtained through crawling. The method according to claim 1,
The loan execution request step includes:
Wherein the request for restriction on the interest on the principal of the loan is requested to the financial institution server by providing the loan proceeding fee from the loan association company to the financial institution. The method according to claim 1,
The credit information receiving step includes:
The loan partner company server requests the loan requestor client to provide the credit information data for the loan requestor, and the credit request data providing application sends the credit request data for the loan requestor to the credit information management server , ≪ / RTI >
Requesting the credit information management organization server to perform identity verification; And
And receiving the credit information data when the identity verification is completed. The method according to claim 1,
The third party security providing step may include:
If the third party guarantee amount corresponding to the loan request amount requested by the loan requestor is secured by one or more investors,
And transferring the third party guarantee amount to the account of the third party in the financial institution. The method according to claim 6,
If the loan requester repays the loan to the financial institution,
Receiving, by the loan associating company server, a payment result of the loan requestor from the financial institution server; And
And repayment of an amount corresponding to the repayment amount from the account of the financial institution to the financial institution server. A third party security assurance computer program for executing a financial institution loan, stored in a medium for executing the method of any one of claims 1 to 7 in combination with a computer which is hardware.

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