KR20200092192A - Collateral Inspection System And Method - Google Patents

Abstract

The present invention relates to a collateral inspection system and a method thereof. According to the present invention, the system comprises: a financial institution server to receive and store a collateral photograph resulting from photographing collateral by a user terminal and metadata of the collateral photograph; and an employee terminal to output the collateral photograph and the metadata and receive an inspection result for the collateral. The metadata include the photographing date and time and the photographing location of the collateral photograph and are included in blockchain data maintained and managed by a plurality of blockchain nodes. According to the present invention, a blockchain which eliminates the possibility of data forgery is used to provide the collateral inspection system and the method thereof. Specifically, collateral inspection personnel costs can be reduced more than a case of a site visit since a borrower only has to submit a collateral photograph to a financial institution by taking the collateral photograph. Moreover, the possibility of forgery for the collateral photograph submitted for collateral inspection is totally prevented to eliminate the need for separate original proof for the collateral photograph when a related dispute arises.

Description

Collateral Inspection System And Method}

The present invention relates to a collateral inspection system and method, and more particularly, to a collateral inspection system and method using collateral photos utilizing blockchain technology.

When a loan is made by a financial institution based on collateral, such as a real estate mortgage loan or a real estate mortgage loan, it is required to check the collateral by visiting the site periodically when executing the loan for the first time. However, there was a problem in that a financial institution employee visited the site from time to time to inspect collateral and take pictures.

In order to solve such a problem, a technology for attaching an RFID tag to a collateral or checking the movement of a collateral or changing the status of a collateral using IoT technology has been disclosed, but it is expensive to build related infrastructure and maintain it. There was a difficulty it took.

Meanwhile, recently, blockchain technology, which is a distributed data storage technology that stores data in blocks and connects them in a chain, copies and stores them simultaneously on numerous computers, has been spotlighted. Blockchain is also called a public transaction ledger. It is known that transaction records are sent to all users participating in a transaction without keeping the transaction records on a centralized server, and data can be forged or falsified by all transaction participants sharing information with each transaction.

Korean Registered Patent No. 1,492,592

The technical problem to be achieved by the present invention is to provide a collateral inspection system and method using a blockchain that cannot forge or falsify data.

The collateral inspection system according to an embodiment of the present invention for solving the above technical problem is a financial institution server that receives and stores the collateral picture taken by the user terminal and the metadata of the collateral picture, and the collateral picture And an employee terminal outputting the metadata and receiving a check result for the collateral.

The metadata includes the photographing date and time of the collateral photograph, and the metadata is included in blockchain data maintained by a plurality of blockchain nodes.

The financial institution server may provide a predetermined compensation to the borrower of the collateral for which the inspection result is input at the employee terminal.

The user terminal may take a dedicated application to take the collateral picture in real time.

The dedicated application can generate a hash value for the collateral picture.

The metadata may further include the hash value.

The metadata may further include photographer information.

The method of checking the collateral according to the present invention for solving the above technical problem is a step in which a financial institution server receives and stores the collateral photograph and the metadata of the collateral photograph taken by the user terminal, and the employee terminal is the collateral And outputting a photograph and the metadata, and receiving a check result for the collateral.

The method may further include providing a predetermined compensation to the lender of the collateral for which the inspection result is input at the employee terminal.

The user terminal may further include a step of taking a photo of the collateral in real time by executing a dedicated application.

The dedicated application may further include generating a hash value for the collateral photograph.

A computer-readable recording medium including a program for performing a collateral inspection method according to the present invention for solving the above technical problem may be further included.

The program is a set of commands for receiving and storing the collateral photograph and the metadata of the collateral photograph taken by the user terminal, and for the collateral input to the employee terminal based on the confirmation of the collateral photograph and the metadata. Contains a set of instructions that receive check results.

The program may further include a set of instructions for providing a predetermined compensation to the borrower of the collateral for which the inspection result is input at the employee terminal.

According to the present invention, it is possible to provide a collateral inspection system and method using a blockchain that cannot forge data. In particular, since the borrower only needs to take a picture of the collateral through his/her user terminal and submit it to the financial institution, the cost may be reduced than when the collateral inspection personnel visit the field. In addition, since the possibility of forgery and alteration of the collateral photos submitted to inspect the collateral is blocked at the source, there is an advantage that a separate original proof for the collateral photos is unnecessary when a related dispute occurs.

1 is a view showing the configuration of a collateral inspection system according to an embodiment of the present invention.
2 is a view showing the configuration of a user terminal according to an embodiment of the present invention.
3 is a flow chart for explaining the operation of the collateral inspection system according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art to which the present invention pertains may easily practice. However, the present invention can be implemented in many different forms and is not limited to the embodiments described herein. In addition, in order to clearly describe the present invention in the drawings, parts irrelevant to the description are omitted, and like reference numerals are assigned to similar parts throughout the specification.

Throughout the specification, when a part “includes” a certain component, it means that the component may further include other components, not to exclude other components, unless otherwise stated.

In addition, the terms "… unit" and "... module" described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software.

1 is a view showing the configuration of a collateral inspection system according to an embodiment of the present invention.

Referring to FIG. 1, the collateral inspection system according to an embodiment of the present invention may include a user terminal 100, a financial institution server 200, an employee terminal 300, and a blockchain network 400.

The user terminal 100, the financial institution server 200, the employee terminal 300, and the blockchain network 400 may exchange various information and data through the communication network 10.

The communication network 10 is a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), the Internet, 2G, 3G, 4G, 5G, LTE mobile communication network, It can include low power wide area (LPWA) networks such as Bluetooth, Wi-Fi, Wibro, satellite communication networks, LoRa, Sigfox, etc., and communication methods are not limited to wired or wireless. Does not matter. The communication network 10 may include both public and closed networks.

The financial institution server 200 and the employee terminal 300 may be connected to a closed network.

The user terminal 100 is a terminal used by a lender who has loaned as a collateral to a financial institution such as real estate or machinery, inventory, and agricultural and livestock products. The user terminal 100 is equipped with a memory means such as a smart phone, a tablet PC (Personal Computer), a personal digital assistant (Personal Digital Assistant, PDA), a web pad, a notebook, etc. and equipped with a microprocessor (microprocessor) to improve the computing power It can be made of a equipped terminal.

2 is a view showing the configuration of a user terminal according to an embodiment of the present invention.

Referring to FIG. 2, the user terminal 100 may include a dedicated application 110, a camera 120, a control unit 130, a GPS receiver 140 and a communication unit 150.

The dedicated application 110 is an application that provides a service provided by a financial institution, for example, a mobile banking service, etc., in conjunction with the financial institution server 200 in the user terminal 100, and provides a security self-inspection service function according to the present invention. It can be implemented to provide together. Of course, except for the mobile banking function, it may be an application developed to provide only the security self-inspection service function according to the present invention.

When the user selects a photographing menu for checking the collateral, the dedicated application 110 may automatically execute the camera 120 so that collateral photographing is performed in the user terminal 100.

When the user terminal 100 takes a picture through the camera 120, photos and metadata about the picture are generated. The metadata of the picture may include picture information on the date and time of shooting, exposure, whether the flash is used, resolution, and picture size, and information on the location of the picture based on the GPS information received from the GPS receiver 140.

The dedicated application 110 may transmit the collateral photograph and the metadata of the collateral photograph taken by the user terminal 100 to the financial institution server 200.

According to an embodiment, the dedicated application 110 may notify the user that the collateral inspection cycle has been performed, for example, by outputting a collateral inspection notification message to the user terminal 100 when a predetermined collateral inspection cycle arrives. In addition, the dedicated application 110 may be implemented to output a collateral check notification message when a predetermined collateral check cycle arrives and the current location of the user terminal 100 satisfies the collateral shooting position condition.

Depending on the embodiment, the dedicated application 110 may obtain the hash value of the collateral picture and include it in the metadata. In addition, the dedicated application 110 may also include information on the photographer who photographed the collateral in the metadata. As the photographer information, an ID for accessing a financial institution server through a dedicated application 110 of the user terminal 100 or a phone number assigned to the user terminal 100 may be used. In addition, the photographer who has taken the collateral photograph Any information that can identify can be used.

Since it is important to check the current status and current location of the collateral, the dedicated application 110 may restrict the upload of the photographed in advance. A dedicated application 110 may be implemented to upload only the photographs taken in real time as collateral photographs to the financial institution server 200.

The controller 130 may control the overall operation of the user terminal 100. The controller 130 may execute the dedicated application 110 to transmit the collateral photograph and the metadata of the collateral taken to the financial institution server 200.

The controller 130 may provide the dedicated application 110 with photo data captured by the camera 120 and GPS information received by the GPS receiver 140.

The communication unit 150 supports a communication interface so that the user terminal 100 can exchange various information and data through the communication network 10.

Referring back to FIG. 1, the financial institution server 200 is a device operated by a financial institution such as a bank, a securities company, an insurance company, and the like, and can process a business related to a mortgage loan.

The financial institution server 200 may receive and store the collateral picture and metadata of the collateral picture transmitted from the user terminal 100. In addition, the financial institution server 200 may transmit the metadata of the collateral picture to the blockchain network 400 to include it in the blockchain data.

The financial institution server 200 may provide collateral pictures and metadata at the request of the employee terminal 300. The metadata of the collateral photograph may be processed and provided in a form in which an employee can easily check the contents. For example, it may be provided by being converted into address information corresponding to the photographing location, or may be provided in the form of displaying the photographing location on a map.

The financial institution server 200 may provide a predetermined compensation to the borrower of the collateral for which the inspection result is input from the employee terminal 300. For example, a financial institution may provide a virtual money that can be used with cash, to induce a lender to voluntarily upload a collateral picture.

The employee terminal 300 is a terminal used by an employee in charge of collateral inspection in a financial institution. The employee terminal 300 is equipped with a memory means such as a desktop computer, a smart phone, a tablet PC (Personal Computer), a personal digital assistant (PDA), a web pad, a laptop, etc., and is equipped with a microprocessor. It can be made of a terminal with computing power.

The employee terminal 300 may output the collateral picture and the metadata of the collateral picture on the screen, receive the collateral inspection result from the employee, and transmit the collateral inspection result to the financial institution server 200.

The blockchain network 400 refers to a network of a P2P structure composed of a plurality of blockchain nodes 410 operating according to a blockchain algorithm. The blockchain node 410 means an entity that configures the blockchain network 400 and maintains and manages blockchain data according to the blockchain algorithm. The blockchain node 410 may be implemented as a single computing device, but when implemented as a virtual machine, a plurality of nodes may exist in a single computing device.

Blockchain data is data maintained and managed by each blockchain node 410 constituting the blockchain network 400, and may have a data structure in which block-based data is connected in a chain form. The blockchain node 410 may check the validity of a block to be added to the blockchain data and perform a mining operation, which is a process of creating a new block. In this embodiment, the blockchain node 410 may include metadata of the collateral picture in the blockchain data.

The financial institution server 200 may also be one node 410 of the blockchain network 400. The financial institution server 200 may also perform a mining operation as the blockchain node 410, but may also perform only a function of transmitting metadata to be included in the blockchain data to the blockchain network 400.

The financial institution may reward the owner of the blockchain node 410 in advance for the hash power provided by the blockchain node 410 for maintenance of the blockchain network 400. The blockchain network 400 can also be implemented as a private blockchain that only authorized nodes can participate in.

3 is a flow chart for explaining the operation of the collateral inspection system according to an embodiment of the present invention.

1 to 3, a user who first receives a mortgage loan may take a picture of a collateral by executing the dedicated application 110 installed in the user terminal 100 (S310 ).

Next, the user terminal 100 may transmit the collateral photograph and the metadata of the collateral photograph taken to the financial institution server 200 (S320).

According to an embodiment, the user terminal 100 between steps S310 and S320 may obtain a hash value of the collateral picture and include it in the metadata. In addition, according to an embodiment, the user terminal 100 may transmit metadata of the collateral picture to the blockchain network 400.

Thereafter, the financial institution server 200 may store the collateral picture transmitted from the user terminal 100 and the metadata of the collateral picture (S330).

In addition, the financial institution server 200 may transmit metadata of the collateral picture to the blockchain network 400 (S340). Of course, in step S320, when the user terminal 100 transmits the metadata of the collateral picture to the blockchain network 400, step S340 may be omitted.

The blockchain network 400 may verify the metadata of the transmitted collateral picture, and generate a block including the verified metadata to include in the blockchain data (S350).

Thereafter, the financial institution server 200 may provide a picture and metadata of the collateral to be inspected at the request of the employee terminal 300 (S360).

Next, the employee terminal 300 may output the collateral picture and the metadata of the collateral picture on the screen (S370), and receive a collateral inspection result from the staff (S380).

The financial institution server 200 may receive the collateral check result from the employee terminal 300 (S390), and provide a predetermined compensation to the borrower of the collateral entered according to the collateral check result (S395).

The embodiments described above may be implemented with hardware components, software components, and/or combinations of hardware components and software components. For example, the devices, methods, and components described in the embodiments include, for example, processors, controllers, arithmetic logic units (ALUs), digital signal processors (micro signal processors), microcomputers, and field programmable gates (FPGAs). It can be implemented using one or more general purpose computers or special purpose computers, such as arrays, programmable logic units (PLUs), microprocessors, or any other device capable of executing and responding to instructions. The processing device may run an operating system (OS) and one or more software applications running on the operating system. In addition, the processing device may access, store, manipulate, process, and generate data in response to the execution of the software. For convenience of understanding, a processing device may be described as one being used, but a person having ordinary skill in the art, the processing device may include a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that may include. For example, the processing device may include a plurality of processors or a processor and a controller. In addition, other processing configurations, such as parallel processors, are possible.

The software may include a computer program, code, instruction, or a combination of one or more of these, and configure the processing device to operate as desired, or process independently or collectively You can command the device. Software and/or data may be interpreted by a processing device or to provide instructions or data to a processing device, of any type of machine, component, physical device, virtual equipment, computer storage medium or device. , Or may be permanently or temporarily embodied in the transmitted signal wave. The software may be distributed on networked computer systems, and stored or executed in a distributed manner. Software and data may be stored in one or more computer-readable recording media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, or the like alone or in combination. The program instructions recorded on the medium may be specially designed and configured for the embodiment or may be known and usable by those skilled in computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs, DVDs, and magnetic media such as floptical disks. -Hardware devices specially configured to store and execute program instructions such as magneto-optical media, and ROM, RAM, flash memory, and the like. Examples of program instructions include high-level language code that can be executed by a computer using an interpreter, etc., as well as machine language codes produced by a compiler. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

As described above, although the embodiments have been described by the limited drawings, those skilled in the art can apply various technical modifications and variations based on the above. For example, the described techniques are performed in a different order than the described method, and/or the components of the described system, structure, device, circuit, etc. are combined or combined in a different form from the described method, or other components Alternatively, even if replaced or substituted by equivalents, appropriate results can be achieved.

100: user terminal
110: dedicated application
120: camera
130: control unit
140: GPS receiver
150: communication unit
200: financial institution server
300: employee terminal
400: blockchain network
410: blockchain node

Claims (16)

A financial institution server that receives and stores the collateral photograph and the metadata of the collateral photograph taken by the user terminal, and
The employee terminal that outputs the collateral picture and the metadata and receives the inspection result for the collateral
Including,
The metadata includes the shooting date and time and location of the collateral photograph,
The metadata is a collateral inspection system included in blockchain data maintained by a plurality of blockchain nodes. In claim 1,
The financial institution server,
A collateral inspection system that provides a predetermined compensation to the borrower of the collateral for which the inspection result is input at the employee terminal. In claim 1,
The user terminal is a collateral inspection system for taking a picture of the collateral in real time by running a dedicated application. In claim 3,
The dedicated application is a collateral inspection system that generates a hash value for the collateral picture. In claim 4,
The metadata is a collateral inspection system further comprising the hash value. In claim 5,
The metadata is a collateral inspection system further comprising photographer information. The financial institution server receives and stores the collateral picture and the metadata of the collateral picture taken by the user terminal, and
An employee terminal outputting the collateral picture and the metadata, and receiving a check result for the collateral;
Including,
The metadata includes the shooting date and time and location of the collateral photograph,
The metadata is a collateral check method included in blockchain data maintained by a plurality of blockchain nodes. In claim 7,
Providing a predetermined compensation to the borrower of the collateral for which the inspection result is input at the employee terminal;
Collateral check method further comprising a. In claim 7,
The user terminal running the dedicated application to take the collateral picture in real time
Collateral check method further comprising a. In claim 8,
Generating a hash value for the collateral picture by the dedicated application
Collateral check method further comprising a. In claim 10,
The metadata is collateral inspection method further comprising the hash value. In claim 11,
The metadata further includes a collateral check method. When the collateral photographing is selected, the step of taking the collateral through the camera in real time, and
Transmitting the collateral photograph and the metadata of the collateral photograph to the financial institution server.
Including,
The metadata includes the shooting date and time and location of the collateral photograph,
The metadata is a user terminal control method included in the blockchain data maintained by a plurality of blockchain nodes. In claim 13,
Generating a hash value for the collateral picture
Further comprising,
The metadata further includes the hash value. In a computer-readable recording medium containing a program for performing a collateral check method,
The program,
A set of commands for receiving and storing the collateral photograph and the metadata of the collateral photograph taken by the user terminal, and
A set of commands for receiving a check result for the collateral inputted to the employee terminal based on the confirmation of the collateral photograph and the metadata,
Including,
The metadata includes the shooting date and time and location of the collateral photograph,
The metadata is a computer readable recording medium included in blockchain data maintained by a plurality of blockchain nodes. In claim 15,
The program,
Instruction set that provides a predetermined reward to the borrower of the collateral for which the inspection result is input at the employee terminal
Computer-readable recording medium further comprising.

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