KR20200126848A - Method for managing or using platform capable of providing one or more custimized loan advertisements to eligible lenders corresponding to unidentified user information, and server and financial institution terminal by using same - Google Patents

Abstract

The present invention relates to a method for operating or using a platform to provide a customized loan advertisement to a loan eligible person corresponding to unidentified user information. According to the present invention, the method comprises the steps of: (a) supporting unidentified user loan demand information to be displayed on financial institution affiliated company terminals; and (b) supporting loan products to be displayed on identified user terminals. According to the present invention, an advertisement for a loan product which is most advantageous to a user can be provided.

Description

METHOD FOR MANAGING OR USING PLATFORM CAPABLE OF PROVIDING ONE OR MORE CUSTIMIZED LOAN ADVERTISEMENTS TO ELIGIBLE LENDERS CORRESPONDING TO UNIDENTIFIED USER INFORMATION, AND SERVER AND FINANCIAL INSTITUTION TERMINAL BY USING SAME}

The present invention relates to a system for operating or using a platform to provide customized loan advertisements to loan eligible persons corresponding to non-identifying user information, and more specifically, for loans using non-identifying user information corresponding to the identified user. It relates to a system that provides loan advertisements for loan products with loan terms that the identified user can actually receive by proceeding with a review to qualified loan persons.

In the conventional loan system, a loan applicant visits a financial company and signs a contract, and more than 90% of the income sources of financial companies such as banks, capitals, and savings banks are made up of loans.

As a result, financial companies make a lot of effort to find loan applicants, but since it is difficult to determine who is the borrower until a loan inquiry is received directly from the loan applicant, financial companies loan people who click on the keyword related to loan on the portal site. It is judged as a consumer and is posting expensive keyword advertisements.

However, it is not known whether the person who clicks the keyword advertisement will actually apply for a loan, and whether they are eligible for a loan, and since only a small number of people who actually click the keyword advertisement are receiving loans, the advertising efficiency is low. The loan interest is being passed on to the loan interest of the applicant.

Meanwhile, in order to find out whether they can receive a loan, and what will be the loan conditions such as interest rate, limit, and repayment period, if the loan is possible, individuals such as name, social security number, and collateral real estate, etc. Information must be open to financial institutions, and loan review applications must be submitted to several financial institutions to find out better loan terms.

However, it is not only temporal and physical constraints to go to various financial institutions to be examined for loans, and the act of undergoing multiple loan examinations causes a decline in the credit rating, and the personal information opened for loan examination is a loan salesperson. There is a problem that it is delivered to people and constantly receives spam calls.

Therefore, in order to solve the problem of such financial companies and loan applicants, the present inventors can easily filter out eligible loaners from the standpoint of financial companies, and from the standpoint of loan applicants compare actual loanable conditions without problems such as indiscriminate personal information leakage. We want to provide a system that supports it.

An object of the present invention is to solve all the above-described problems.

In addition, another object of the present invention is to provide a loan advertisement for loan products with loan terms that can be actually received from a financial institution by using non-identifying user information corresponding to the identified user.

In addition, the present invention generates loan demand information for non-identified users using non-identified user information corresponding to the identified user by a loan advertisement provider, so that each financial institution can actually receive loan conditions using the corresponding non-identified user loan demand information. Another purpose is to be able to provide loan advertisements for loan products of the company.

In addition, according to the present invention, the loan advertisement provider generates loan demand information for non-identified users using non-identified user information corresponding to the identified user, so that each financial institution makes a bid for the corresponding non-identified user loan demand information. Another purpose is to provide loan advertisements for loan products with favorable loan terms.

In addition, according to the present invention, the loan advertisement provider generates loan demand information for non-identified users using non-identified user information corresponding to the identified user, so that each financial institution uses the corresponding non-identified user loan demand information to advertise a loan for a loan product. Another purpose is to provide the identification user information only to the financial institution selected by the identification user, so that the loan can proceed without the leakage of indiscriminate information.

In addition, another object of the present invention is to easily identify eligible borrowers according to loan demand information for non-identifying users using non-identifying user information, and to provide matching loan advertisements to target customers through this. .

According to an embodiment of the present invention for achieving the above object, in the method of operating or using the platform to provide customized loan advertisements to loan eligible persons corresponding to non-identified user information, (a) corresponding to each of the identified users In a state in which non-identified user loan demand information referring to non-identified user information corresponding to the loan desired conditions and the identification user information of each of the identified users is generated, when financial institution affiliate terminals are connected, the loan advertisement providing server , The non-identifying user loan demand information is classified in correspondence with each of at least one first to i-th target customer category preset by each of financial institution affiliates, and the classified first to i-th target customer category-specific non-identifying users Supporting loan demand information to be displayed on the financial institution affiliate terminals; And (b) corresponding to each of the non-identifying user loan demand information including a loan availability condition corresponding to each of the first to i-th target customer category-specific non-identified user loan demand information from the financial institution affiliate terminals. When the loan products are acquired, the loan advertisement providing server refers to the loan products corresponding to each of the non-identified user loan demand information, with reference to the relationship information between the identification user information and the non-identified user information, By classifying by the identified user and transmitting a loan advertisement for the loan products corresponding to each of the unidentified user loan demand information classified by the identified user to respective identification user terminals corresponding to the identified users Supporting each of the identification user terminals to display the loan products corresponding to the identification user; A method comprising a is provided.

In the step (b), the loan advertisement providing server requests information on specific non-identified user loan demand information among non-identified user loan demand information for each of the first to i-th target customer categories from the financial institution affiliate terminals. When is acquired, a specific loan request condition corresponding to the specific non-identifying user loan demand information and specific non-identifying user information are transmitted to the financial institution affiliate terminals, thereby allowing the financial institution affiliates It supports to check the loan products corresponding to the specific non-identified user loan demand information by referring to specific non-identified user information.

After step (a), (a1) other financial institution affiliate terminals for specific non-identified user loan demand information among the first to i-th target customer category-specific non-identified user loan demand information from the financial institution affiliate terminals. When the loan condition confirmation request proposed by is obtained, the loan advertisement providing server records in correspondence with the specific non-identified user information with reference to specific non-identified user information corresponding to the specific non-identified user loan demand information. The loan products proposed by the other financial institution affiliate terminal are searched, and the loan products proposed by the other financial institution affiliate terminal in response to the specific unidentified user loan demand information according to the search result are Supporting to be displayed on the financial institution affiliate terminals; It includes more.

The loan advertisement providing server sets priorities for the loan products proposed by the other financial institution affiliate terminals in the order of at least the lowest loan product interest rate or the highest loan product limit, and the loan product interest rate Or, if the loan product limit is the same, the priority is determined by referring to at least one of a review score for a financial institution corresponding to the loan product, the time at which the loan product was proposed, and the loan product limit or the loan product interest rate. It sets and supports to display the loan products proposed by the other financial institution affiliate terminals in response to the set priority on the financial institution affiliate terminals.

The loan advertisement providing server supports to display a filtering condition including at least one of a loan product type, a loan product period, and a loan product interest rate on the financial institution affiliate terminal, and at least selected by each of the financial institution affiliates Some loan products among the loan products filtered by one filtering condition are supported to be displayed on the financial institution affiliate terminals.

Prior to the step (a), (a01) the loan advertisement providing server provides a customer category setting interface to the financial institution affiliate terminals to allow each of the financial institution affiliate terminals to filter, a non-identifying user condition, Supporting the creation of a specific target customer category among the first to i-th target customer categories by setting at least one condition of non-identifying user information, a propositionable loan method, and non-proposable non-identifying user information; It includes more.

In the above, (c) when loan applications for loan products desired to be loaned from among the loan products are obtained from the identification user terminal, the loan advertisement providing server, the non-identified user loan corresponding to each of the loan products Supporting the financial institution affiliate terminal to make a loan to the identified users by referring to demand information; It includes more.

Before the step (a), (a02) the loan advertisement providing server transmits a loan category for loans that can be provided to the identification user terminals in response to a loan search request from the identification user terminals, and the When the loan desired conditions corresponding to each of the loans included in the loan category and the identification user information corresponding to the identification user information are obtained from the identification user terminals, the identification user information is de-identified and processed. Generating identification user information, and generating the non-identified user loan demand information by referring to the loan desired conditions and the non-identifying user information; It includes more.

In addition, according to an embodiment of the present invention, in the method of operating or using the platform to provide customized loan advertisements to loan eligible persons corresponding to non-identified user information, (a) loan desired conditions corresponding to each of the identified users In a state in which non-identified user loan demand information referring to non-identified user information corresponding to each of the identified user information is generated, the non-identified user loan demand information from the loan advertisement providing server is transferred to financial institution affiliates. Classified in correspondence with each of the at least one first to i-th target customer categories preset by each, and when the classified first to i-th target customer category-specific non-identifying user loan demand information is obtained, the financial institution affiliate terminal, Displaying non-identified user loan demand information for each of the first to i-th target customer categories; And (b) the financial institution affiliate terminal corresponding to each of the non-identified user loan demand information including a loan availability condition corresponding to each of the first to i-th target customer category-specific non-identified user loan demand information. By transmitting loan products to the loan advertisement providing server, the loan advertisement providing server causes the loan products corresponding to each of the non-identified user loan demand information to be provided with information on the association relationship between the identification user information and the non-identified user information. With reference to, classified by the identification user, the loan advertisement for the loan products corresponding to each of the non-identified user loan demand information classified by the identification user, each identification user corresponding to the identification users Transmitting to terminals to support each of the identification user terminals to display the loan products corresponding to the identification user; A method comprising a is provided.

In the step (b), the financial institution affiliated terminal sends a request for information on specific non-identified user loan demand information among the first to i-th target customer category-specific non-identified user loan demand information to the loan advertisement providing server. By transmitting, the loan advertisement providing server transmits a specific loan request condition and specific non-identifying user information corresponding to the specific unidentified user loan demand information to the financial institution affiliate terminals, and obtained from the loan advertisement providing server The loan products corresponding to the specific non-identified user loan demand information are identified with reference to the specific loan desired condition and the specific non-identified user information.

After the step (a), (a1) the financial institution affiliate terminal, the other financial institution affiliate terminal for specific non-identified user loan demand information among the first to i-th target customer category-specific non-identified user loan demand information. By transmitting a request to confirm the loan condition proposed by the loan advertisement providing server, the loan advertisement providing server causes the specific non-identifying user to refer to specific non-identifying user information corresponding to the specific non-identifying user loan demand information, and the specific non-identifying Searching for the loan products proposed by the other financial institution affiliate terminal, recorded in correspondence with user information, and by the other financial institution affiliate terminal in response to the specific non-identifying user loan demand information according to the search result. Transmitting the proposed loan products to the financial institution affiliate terminal, and displaying the loan products proposed by the other financial institution affiliate terminal transmitted from the loan advertisement providing server; It includes more.

The financial institution affiliate terminal causes the loan advertisement providing server to prioritize the loan products proposed by the other financial institution affiliate terminals in the order of at least a low interest rate for the loan product or a high loan product limit. And, when the loan product interest rate or the loan product limit is the same, at least one of a review score for a financial institution corresponding to the loan product, the time at which the loan product was proposed, and the loan product limit or the loan product interest rate The priority is set with reference to, and the loan products proposed by the other financial institution affiliate terminal are transmitted to the financial institution affiliate terminal in response to the set priority.

The financial institution affiliate terminal causes the loan advertisement providing server to support a filtering condition including at least one of a loan product type, a loan product period, and a loan product interest rate to be displayed on the financial institution affiliate terminal, and the financial institution Some of the loan products filtered by at least one filtering condition selected by each of the affiliates are supported to be displayed on the financial institution affiliate terminals.

Prior to the step (a), (a01) the financial institution affiliate terminal provides the lending advertisement providing server with a target customer category setting interface to the financial institution affiliate terminals to allow each of the financial institution affiliate terminals, Create a specific target customer category among the first to i-th target customer categories by setting at least one condition among non-identifying user conditions to be filtered, non-identifying user information, offerable loan methods, and non-proposable non-identifying user information Assisting to do so; It includes more.

In the above, (c) the financial institution affiliate terminal, when the loan advertisement providing server obtains loan applications for loan products desired to be loaned from the identification user terminal, each of the loan products Allowing the financial institution affiliate terminal to support loans to the identified users by referring to the corresponding non-identified user loan demand information; It includes more.

Prior to the step (a), (a02) the financial institution affiliate terminal allows the loan advertisement providing server to determine a loan category for loans that can be provided in response to a loan search request from the identification user terminals. And the identification user information corresponding to the loan desired conditions and the identification user information corresponding to each of the loans included in the loan category are obtained from the identification user terminals, and the identification user information Generating the non-identified user information processed by de-identification, and generating the un-identified user loan demand information by referring to the loan desired conditions and the non-identified user information; It includes more.

In addition, according to an embodiment of the present invention, in the loan advertisement providing server operating or using the platform to provide customized loan advertisements to loan eligible persons corresponding to non-identified user information, the loan advertisement providing server corresponding to non-identified user information A memory for storing instructions for operating or using the platform to provide customized loan advertisements; And a processor for operating or using the platform to provide the customized loan advertisement to the loan eligible person corresponding to the non-identifying user information according to the instructions stored in the memory. Including, wherein the processor, (i) loan request conditions corresponding to each of the identified users and non-identifying user loan demand information referring to non-identifying user information corresponding to the identification user information of each of the identified users In the created state, when financial institution affiliate terminals are connected, the non-identifying user loan demand information is classified corresponding to each of the at least one first to i-th target customer categories preset by each of the financial institution affiliates, and the classified A process for supporting non-identified user loan demand information for each of the first to i-th target customer categories to be displayed on the financial institution affiliate terminals, and (ii) for each of the first to i-th target customer categories from the financial institution affiliate terminals When loan products corresponding to each of the non-identified user loan demand information including a loan availability condition corresponding to each of the non-identified user loan demand information are obtained, loan products corresponding to each of the non-identified user loan demand information , The loan product classified by the identification user, and corresponding to each of the non-identified user loan demand information classified by the identification user, with reference to the relationship information between the identification user information and the non-identifying user information A loan that performs a process of supporting each of the identification user terminals to display the loan products corresponding to the identification user by transmitting a loan advertisement for the identification users to each identification user terminal corresponding to the identification user. An advertisement providing server is provided.

In the process (ii), when a request for information on specific non-identifying user loan demand information among non-identified user loan demand information for each of the first to i-th target customer categories is obtained from the financial institution affiliate terminals. , By transmitting a specific loan request condition and specific non-identifying user information corresponding to the specific non-identifying user loan demand information to the financial institution affiliate terminals, the financial institution affiliates allow the specific loan desired condition and the specific non-identifying It supports to check the loan products corresponding to the specific unidentified user loan demand information with reference to user information.

The processor, after the (i) process, (i-1) from the financial institution affiliate terminals to specific non-identifying user loan demand information among non-identifying user loan demand information for each of the first to i-th target customer categories. On the other hand, when a request to confirm the loan condition proposed by the affiliate terminal of another financial institution is obtained, it is recorded in correspondence with the specific non-identified user information with reference to the specific non-identified user information corresponding to the specific non-identified user loan demand information. The loan products proposed by the other financial institution affiliate terminal are searched, and the loan products proposed by the other financial institution affiliate terminal are displayed in response to the specific unidentified user loan demand information according to the search result. A process of supporting display on financial institution affiliate terminals is further performed.

The processor sets priorities for the loan products proposed by the other financial institution affiliate terminals in the order of at least the lowest interest rate for the loan product or the highest loan product limit, and the loan product interest rate or the loan When the product limit is the same, the priority is set by referring to at least one of a review score for a financial institution corresponding to the loan product, a time at which the loan product was proposed, and the loan product limit or the loan product interest rate, In response to the set priority, the loan products proposed by the other financial institution affiliate terminals are supported to be displayed on the financial institution affiliate terminals.

The processor supports to display a filtering condition including at least one of a loan product type, a loan product period, and a loan product interest rate on the financial institution affiliate terminal, and at least one filtering selected by each of the financial institution affiliates Some of the loan products filtered by conditions are supported to be displayed on the financial institution affiliate terminals.

The processor, prior to the (i) process, (i-01) provides a customer category setting interface to the financial institution affiliate terminals to allow each of the financial institution affiliate terminals to filter the non-identifying user condition and ratio. A process of supporting creation of a specific target customer category among the first to i-th target customer categories is further performed by setting at least one condition of identification user information, a propositionable loan method, and non-proposable non-identifying user information.

The processor, (iii), when loan applications for loan products desired to be loaned among the loan products are obtained from the identification user terminal, by referring to the non-identifying user loan demand information corresponding to each of the loan products, A process of supporting the financial institution affiliate terminal to make a loan to the identified users is further performed.

The processor, before the (i) process, (i-02) transmits a loan category for loans that can be provided in response to a loan search request from the identification user terminals to the identification user terminals, and the identification When the loan desired conditions corresponding to each of the loans included in the loan category and identification user information corresponding to the identification user information are obtained from user terminals, the identification user information is de-identified and processed. User information is generated, and a process of generating the non-identifying user loan demand information is further performed by referring to the loan desired conditions and the non-identifying user information.

In addition, according to an embodiment of the present invention, in a financial institution affiliate terminal operating or using the platform to provide customized loan advertisements to loan eligible persons corresponding to non-identifying user information, actual proposals that can be proposed by referring to non-identifying user information A memory for storing instructions for providing loan products based on loan conditions; And a processor configured to provide the loan products based on an actual loan condition that can be proposed by referring to the non-identifying user information according to the instructions stored in the memory. Including, wherein the processor generates, (i) loan request conditions corresponding to each of the identified users and non-identified user loan demand information referring to non-identifying user information corresponding to the identification user information of each of the identified users. In this state, the unidentified user loan demand information from the loan advertisement providing server is classified corresponding to each of the at least one first to i-th target customer categories preset by each of the financial institution affiliates, and the classified first to the first i When the non-identified user loan demand information for each target customer category is obtained, a process of displaying the non-identified user loan demand information for each of the first to i-th target customer categories, and (ii) the first to i-th target customer categories By transmitting the loan products corresponding to each of the non-identified user loan demand information including a loan availability condition corresponding to each of the non-identified user loan demand information to the loan advertisement providing server, the loan advertisement providing server causes the non-identifying The loan products corresponding to each of the user loan demand information are classified by the identified user, with reference to the relationship information between the identified user information and the non-identified user information, and the non-identified classified by the identified user The loan advertisement for the loan products corresponding to each of the user loan demand information is transmitted to the respective identification user terminals corresponding to the identification users, and each of the identification user terminals makes the loan corresponding to the identification user. A financial institution affiliate terminal is provided that performs a process of supporting to display products.

The processor, in the (ii) process, transmits an information request for specific non-identified user loan demand information among the first to i-th target customer category-specific non-identified user loan demand information to the loan advertisement providing server, Allow the loan advertisement providing server to transmit a specific loan request condition corresponding to the specific non-identified user loan demand information and specific non-identifying user information to the financial institution affiliate terminals, and the specific obtained from the loan advertisement providing server The loan products corresponding to the specific non-identified user loan demand information are identified by referring to the loan desired condition and the specific non-identified user information.

The processor, after the (i) process, (i-1) the first to i-th target customer category-specific non-identified user loan demand information among the non-identified user loan demand information to another financial institution affiliate terminal By transmitting a request to confirm the loan condition proposed by the loan advertisement providing server, the loan advertisement providing server causes the specific non-identified user to refer to the specific non-identified user information corresponding to the specific non-identified user loan demand information, and the specific non-identified user Search for the loan products proposed by the other financial institution affiliate terminal, recorded in correspondence with the information, and propose by the other financial institution affiliate terminal in response to the specific unidentified user loan demand information according to the search result The loan products are transmitted to the financial institution affiliate terminal, and a process of displaying the loan products proposed by the other financial institution affiliate terminal transmitted from the loan advertisement providing server is further performed.

The processor causes the loan advertisement providing server to prioritize the loan products proposed by the other financial institution affiliate terminals in the order of at least a low interest rate for the loan product or a high loan product limit, When the loan product interest rate or the loan product limit is the same, by referring to at least one of a review score for a financial institution corresponding to the loan product, the time at which the loan product was proposed, and the loan product limit or the loan product interest rate The priority is set, and the loan products proposed by the other financial institution affiliate terminal are transmitted to the financial institution affiliate terminal in response to the set priority.

The processor enables the loan advertisement providing server to support a filtering condition including at least one of a loan product type, a loan product period, and a loan product interest rate to be displayed on the financial institution affiliate terminal, and each of the financial institution affiliates Some of the loan products filtered by at least one filtering condition selected by are supported to be displayed on the financial institution affiliate terminals.

The processor, prior to the (i) process, (i-01) the loan advertisement providing server to provide a target customer category setting interface to the financial institution affiliate terminals to allow each of the financial institution affiliate terminals to filter To create a specific target customer category among the first to i-th target customer categories by setting at least one condition among a desired non-identifying user condition, non-identifying user information, a suggestable loan method, and non-proposable non-identifying user information. Do more of the process to get you supported.

The processor, (iii) when the loan advertisement providing server obtains loan applications for loan products desired to be loaned from the identification user terminal, the non-identifying user corresponding to each of the loan products A process of causing the financial institution affiliate terminal to support loans to the identified users is further performed with reference to the loan demand information.

The processor, prior to the (i) process, allows the (i-02) loan advertisement providing server to determine a loan category for loans that can be provided in response to a loan search request from the identification user terminals. And, when the loan desired conditions corresponding to each of the loans included in the loan category and the identification user information corresponding to the identification user information are obtained from the identification user terminals, the identification user information is compared A process of generating the identification-processed non-identifying user information, and generating the non-identifying user loan demand information by referring to the loan desired conditions and the non-identifying user information is further performed.

In addition to this, a computer-readable recording medium for recording a computer program for executing the method of the present invention is further provided.

According to the present invention, the following effects are obtained.

The present invention can provide loan advertisements for loan products with loan terms that can be actually received from a financial institution by using non-identifying user information corresponding to the identified user.

In addition, the present invention generates loan demand information for non-identified users using non-identified user information corresponding to the identified user by a loan advertisement provider, so that each financial institution can actually receive loan conditions using the corresponding non-identified user loan demand information. It can provide a loan advertisement for loan products of

In addition, according to the present invention, the loan advertisement provider generates loan demand information for non-identified users using non-identified user information corresponding to the identified user, so that each financial institution makes a bid for the corresponding non-identified user loan demand information. It can provide a loan advertisement for loan products with favorable loan terms.

In addition, according to the present invention, the loan advertisement provider generates loan demand information for non-identified users using non-identified user information corresponding to the identified user, so that each financial institution uses the corresponding non-identified user loan demand information to advertise a loan for a loan product. By providing the identification user, the identification user information is disclosed only to the financial institution selected by the identification user, so that the loan can proceed without the leakage of indiscriminate information.

In addition, according to the present invention, it is possible to easily identify eligible borrowers according to loan demand information for non-identifying users using non-identifying user information, and through this, it is possible to provide a matching loan advertisement to target customers.

1 is a schematic diagram of a system operating or using a platform to provide a customized loan advertisement to a loan eligible person corresponding to non-identifying user information according to an embodiment of the present invention,
2 to 19 schematically illustrate a method of operating or using a platform to provide a customized loan advertisement to a loan eligible person corresponding to non-identified user information according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE INVENTION The detailed description of the present invention to be described later refers to the accompanying drawings, which illustrate specific embodiments in which the present invention may be practiced. These embodiments are described in detail sufficient to enable a person skilled in the art to practice the present invention. It is to be understood that the various embodiments of the present invention are different from each other, but need not be mutually exclusive. For example, specific shapes, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the present invention in relation to one embodiment. In addition, it is to be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the present invention. Accordingly, the detailed description to be described below is not intended to be taken in a limiting sense, and the scope of the present invention, if properly described, is limited only by the appended claims, along with all scopes equivalent to those claimed by the claims. Like reference numerals in the drawings refer to the same or similar functions over several aspects.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings in order to enable those of ordinary skill in the art to easily implement the present invention.

1 schematically shows a system operating or using a platform to provide a customized loan advertisement to a loan eligible person corresponding to non-identifying user information according to an embodiment of the present invention. Referring to FIG. 1, the system identifies User terminals 100-1 to 100-m, a loan advertisement providing server 200, and financial institution affiliate terminals 300-1 to 300-n may be included.

First, each of the identification user terminals 100-1 to 100-m is a subject that provides loan-related information to an identification user who wishes to borrow and allows the identification user to input information related to the loan, and a personal computer (PC) , Mobile computers, PDA/EDA, mobile phones, smart phones, tablets, IoT devices, and the like. In addition, each of the identification user terminals 100-1 to 100-m is not limited thereto, and may include all devices such as a portable game machine, a digital camera, and a personal navigation system having a wired/wireless communication function. In addition, each of the identification user terminals (100-1 to 100-m) are memories (110-1 to 110-m) and memories (110-1 to 110-) that store instructions for the loan progress by the identification user. m) It may include processors 120-1 to 120-m that perform an operation for lending the identification user in response to the instructions stored in each.

Specifically, each of the identification user terminals 100-1 to 100-m typically may include a computing device (e.g., a computer process, memory, storage, input device and output device, and other components of an existing computing device). Devices; electronic communication devices such as routers, switches, etc.; electronic information storage systems such as network-attached storage (NAS) and storage area networks (SAN)) and computer software (i.e., instructions that cause the computing device to function in a specific way) S) may be used to achieve the desired system performance.

In addition, the processor of the computing device may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. In addition, the computing device may further include an operating system and a software configuration of an application that performs a specific purpose.

Next, the loan advertisement providing server 200 operates or uses the platform to provide customized loan advertisements to loan eligible persons corresponding to non-identified user information, and provides customized loan advertisements to loan eligible persons corresponding to non-identified user information. In order to operate or use the platform, the platform is operated to provide customized loan advertisements to loan eligible persons corresponding to non-identifying user information in response to the memory 210 storing instructions for operating or using the platform and the instructions stored in the memory 210 It may include a processor 220 that performs an operation for use. At this time, only one loan advertisement providing server 200 is shown in FIG. 1, but this is for convenience of explanation, and the loan advertisement providing server 200 provides customized loan advertisements to eligible loaners corresponding to non-identifying user information. For this purpose, it may be composed of a number of servers operating or using the platform.

Specifically, the loan advertisement providing server 200 is typically a computing device (e.g., a computer processor, memory, storage, input device and output device, a device that may include components of other existing computing devices; routers, switches, etc.) Using a combination of the same electronic communications device; electronic information storage systems such as network attached storage (NAS) and storage area networks (SAN)) and computer software (i.e., instructions that cause the computing device to function in a specific way). It may be to achieve the desired system performance.

In addition, the processor of the computing device may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. In addition, the computing device may further include an operating system and a software configuration of an application that performs a specific purpose.

Next, each of the financial institution affiliate terminals 300-1 to 300-n provides loan advertisements for loan products with loan terms that the identified user can actually receive by referring to non-identified user information. It may include a server, a manager terminal of a financial institution such as PB (Private Banking), a loan consultant terminal, a loan operator terminal, etc., but is not limited thereto, and any loan product that can provide loan products using non-identifying user information It may include a terminal. At this time, each of the financial institution affiliate terminals 300-1 to 300-n are memories 310-1 to store instructions for providing loan products based on actual loan conditions that can be proposed by referring to non-identifying user information. 310-n) and the instructions stored in each of the memories 310-1 to 310-n, a processor that provides loan products based on real loan conditions that can be proposed by referring to non-identifying user information They may include (320-1 to 320-n).

Specifically, each of the financial institution affiliate terminals 300-1 to 300-n will typically include a computing device (e.g., a computer process, memory, storage, input device and output device, and other components of an existing computing device). Devices; electronic communication devices such as routers, switches, etc.; electronic information storage systems such as network attached storage (NAS) and storage area networks (SANs) and computer software (i.e., allowing computing devices to function in a specific way). Instructions) can be used to achieve the desired system performance.

In addition, the processor of the computing device may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. In addition, the computing device may further include an operating system and a software configuration of an application that performs a specific purpose.

Customized loan advertisements to loan eligible persons corresponding to non-identifying user information by using a system operating or using the platform to provide customized loan advertisements to loan eligible persons corresponding to non-identified user information according to an embodiment of the present invention configured as described above. A method of operating or using a platform to provide a will be described with reference to FIGS. 2 to 19 as follows. In the following description, the identification user terminal 100-1 and the financial institution affiliate terminal 300-1 are mainly described, but this is limited to the identification user terminal 100-1 and the financial institution affiliate terminal 300-1. In addition, it should be understood that other identification user terminals and financial institution affiliate terminals operate in parallel or in combination by the same operation. In addition, the loan categories and the like shown in the drawings are illustratively shown and the present invention is not limited thereto.

First, referring to FIG. 2, when the identification user requests a loan search through the identification user terminal 100-1 while accessing the loan advertisement providing server 200 through the identification user terminal 100-1, the loan The advertisement providing server 200 transmits at least one loan category for loans that can be provided to the identification user terminal 100-1 in response to a loan search request from the identification user terminal 100-1. Then, the identification user terminal 100-1 displays at least one loan category received from the loan advertisement providing server 200 so that the identification user can know (S1). At this time, the loan category may include an employee credit loan, a personal business loan, a mortgage loan, an employee negative bankbook, an individual businessperson negative bankbook, and the like, but the present invention is not limited thereto.

Thereafter, when the identification user selects a specific loan category (①) desired to receive a loan from among the loan categories displayed on the identification user terminal 100-1, the identification user terminal 100-1 is a specific loan selected by the identification user The selection signal for the category (①) is transmitted to the loan advertisement providing server 200. Then, the loan advertisement providing server 200 transmits a loan condition input interface corresponding to a specific loan category (①) to the identification user terminal 100-1. Accordingly, the identification user terminal 100-1 displays the loan condition input interface transmitted from the loan advertisement providing server 200 (S2) to determine the loan condition the identification user desires to receive a loan through a specific loan category (①). Make it possible to input.

In addition, according to the loan condition input interface displayed through the identification user terminal 100-1, the identification user inputs a desired loan condition including at least a desired loan amount (②) and a loan desired period (③). At this time, depending on the loan category, a loan category that does not require the setting of the desired loan period. For example, in the case of a negative bankbook, the setting for the desired loan period can be omitted because it is updated every set period, and the loan category with a fixed loan desired period In this case, the loan desired period may be set as a default.

At this time, the identification user terminal 100-1 allows the identification user to input the desired loan amount (②) and the loan desired period (③) on a single display screen through an interaction with the loan advertisement providing server 200, or Only one of the desired loan amount (②) and the loan desired period (③) is displayed so that the identification user can enter it, and the identification user can enter either the desired loan amount (②) or the loan desired period (③). When a desired condition is entered, another desired condition can be additionally displayed, allowing the identification user to enter another desired condition. In addition, the identification user terminal (100-1) is identified by providing a list of preset loan periods using a pop-up window, etc., when entering the loan desired condition (③) through the interaction with the loan advertisement providing server 200 A user may be able to select a desired loan period from a list of preset loan periods.

In addition, the identification user terminal (100-1) is visited for a loan in addition to the desired loan amount (②) and the loan desired period (②) through the loan condition input interface by the identification user through the interaction with the loan advertisement providing server 200. Possible areas (④) can be entered as the desired conditions for loan. At this time, the identification user terminal 100-1 allows the identification user to directly input an area that can be visited by the identification user through the interaction with the loan advertisement providing server 200 or provides an upper area category so that the identification worker can select a specific upper area category. In a way that allows the identification worker to select a specific sub-regional category that corresponds to the specific upper-regional category by providing the sub-regional category that is included in the specific upper-regional category when the identification worker selects a specific upper-regional category. You can make it possible to enter the desired area. In addition, the identification user terminal (100-1) is to input a visitable area (④) for a loan through an interaction with the loan advertisement providing server 200, thereby adding a visitable area or inputting a visitable area. It can be deleted, and the identification user can enter multiple visitable areas as needed.

Next, referring to FIG. 3, the loan advertisement providing server 200 requests identification user information to the identification user terminal 100-1 (S3). Then, the identification user inputs his/her identification user information through the identification user information input window displayed through the identification user terminal 100-1, so that the identification user terminal 100-1 is identified as the loan advertisement providing server 200 Send user information.

Meanwhile, the identification user information may include identification user credit information, and the identification user inputs his or her identification user information through the identification user terminal 100-1, and then authenticates himself/herself in order to obtain identification user credit information. ②), the identification user terminal 100-1 requests identification user credit information from at least one credit rating server, or the loan advertisement providing server 200 identifies the identification obtained from the identification user terminal 100-1 The identification user credit information corresponding to the identification user is requested to at least one credit rating server with reference to the user information.

Then, at least one credit rating server performs authentication such as real name verification with the identification user terminal 100-1 (S4). At this time, the real name confirmation, etc., is performed by the identification user directly, or the loan advertisement providing server 200 uses the identification user information obtained from the identification user terminal 100-1 to automatically input information necessary for real name confirmation. May be.

Next, referring to FIG. 4, at least one credit rating server provides a user authentication window for user authentication to the identification user terminal 100-1 (S5) so that the identification user can perform user authentication. I can. In this case, the user authentication may be performed by various methods such as phone number authentication through the identification user terminal 100-1, voice authentication through a phone call, and credit card authentication.

And, when the identification user performs user authentication through the identification user terminal 100-1 and user authentication for the identification user is completed, the at least one credit rating server identifies identification user credit information according to the user authentication result. 100-1) or by providing it through the loan advertisement providing server 200 so that the identification user can check whether the identification user's identification user's identification user's identification user's identification user's identification user's identification user's credit information matches the identification user can do. At this time, the identification user credit information may include the identification user's current job, annual income, etc., but is not limited thereto, and credit rating, card usage information, overdue information, real estate information, other loan information, age, gender, and default information Etc. It may contain various credit information related to the identification user.

In addition, the loan advertisement providing server 200 includes identification user information from the identification user terminal 100-1, for example, the identification user's workplace information by scraping in the administrative office server in response to the identification information of the identification user, At least one of the tenure period information and the income information certificate may be additionally obtained. At this time, the administrative office server may include the Health Insurance Management Corporation server, the Pension Insurance Corporation, the National Tax Service, etc., and the identification user's workplace, the employment period verification, and a job from the Health Insurance Management Corporation server or the Pension Insurance Corporation server for income estimation. You can check the actual income information for the user, identification from the tax administration server, and insurance premium information.

Next, referring to FIG. 5, after the identification user checks the identification user credit information displayed on the identification user terminal 100-1, the identification user terminal 100- 1) When this signal is transmitted to the loan advertisement providing server 200, the loan advertisement providing server 200 is a period in which a loan product is offered from at least one financial institution affiliate terminals 300-1 to 300-n. Request to the identification user terminal (100-1) to set (S7).

Then, the identification user terminal 100-1 allows the identification user to directly input the proposal period in response to a request for setting the proposal period from the loan advertisement providing server 200, or to interact with the loan advertisement providing server 200. Through the display (S8) of the selection times that a predetermined period arrives from the current time when the loan application is made, the identification user may select a specific selection time desired so that the proposed period can be set.

Meanwhile, referring to FIG. 6, after the identification user checks the identification user credit information displayed on the identification user terminal 100-1 (S9), the identification user inputs a signal (①) indicating that the identification user credit information does not match. When the identification user terminal 100-1 transmits a signal according to this to the loan advertisement providing server 200, the loan advertisement providing server 200 identifies the identification user with the identification user terminal 100-1. The identification user credit information input interface for direct input is transmitted to the identification user terminal 100-1 (S10).

Then, the identification user terminal 100-1 displays an identification user credit information input interface so that the identification user can directly input the identification user credit information.

At this time, the identification user credit information that the identification user can directly input may include job information (②), job information (③), income information (④), employment information (⑤), etc., but is not limited thereto and loans In connection with this, you can enter various credit information required by financial institutions. That is, the identification user may input the identification user's income and job information including at least a job, a job name, an annual salary, and an employment date as identification user credit information.

And, referring to FIG. 7, in a state in which the identification user terminal 100-1 displays the identification user credit information input interface, when the identification user wants to input job information ②, the identification user directly inputs job information. The identification user terminal 100-1 displays a preset job group through an interaction with the loan advertisement providing server 200 (S11), and the identification user selects a specific job group among the preset job groups ( If ⑥) is selected, a specific occupation group (⑥) selected by the identification user can be input (S12) as occupation information of the identification user.

In addition, by using a method similar to the input of job information (②), even when entering the job information (③), the identification user can directly input his/her job information, or correspond to the text entered through the search API. By providing a preset job list, the identification user may be able to select his/her job information through a preset job list.

In addition, even when entering the incident information (⑤), it is possible to allow the identification user to directly input his/her incident information by a similar method, or to select the incident information through a calendar interface.

On the other hand, referring to FIG. 8, when the current working condition of the identified user at the current workplace of the identified user identified by referring to the employment information input by the identification user is not a loanable condition, the identification user terminal 100-1 provides a loan advertisement Through the interaction with the server 200, the identification user may additionally input information about entering a previous workplace.

For example, if the identification user's employment information at the current workplace is not a loanable working condition, an interface is provided (S13) to allow the identification user to add the employment information of the previous job. When a signal for adding employment information for a job is input (①), the identification user terminal 100-1 inputs previous job information to allow the previous job to be entered through the interaction with the loan advertisement providing server 200 An interface is provided (S14), and through this, the identification user can input previous work information (②) such as work information, employment information, and resignation information information.

When the loan desired condition and identification user information are obtained from the identification user terminal 100-1 by this method, the loan advertisement providing server 200 compares the identification user information obtained from the identification user terminal 100-1. By identifying and processing, non-identifying user information is generated, and loan demand information for non-identified users is generated by referring to loan desired conditions and non-identifying user information corresponding to the identified user. At this time, the loan demand information for the non-identified user corresponding to the identified user may generate loan demand information for the first to k-th non-identified users referring to the first to k-th loan desired conditions and the first to k-th non-identified user information, respectively. have. In this case, k may be an integer of 1 or more.

Next, referring to FIG. 9, in a state in which non-identifying user loan demand information referring to loan desired conditions corresponding to each of the identified users and non-identifying user information corresponding to the identified user information of each of the identified users is generated, When the financial institution affiliate terminals 300-1 to 300-n are connected, the loan advertisement providing server 200 transmits the unidentified user loan demand information to at least one first to i-th preset by each of the financial institution affiliates. Classified corresponding to each of the target customer categories (①), and unidentified user loan demand information for each classified first to i-th target customer category (①) is displayed on the financial institution affiliate terminals 300-1 to 300-n (S15) Support to be done.

At this time, each of the financial institution affiliate terminals 300-1 to 300-n displays non-identifying user loan information corresponding to the non-identifying user information ② obtained by de-identifying the identification user information.

On the other hand, referring to FIGS. 10 and 11, the loan advertisement providing server 200 provides a target customer category setting interface to each of the financial institution affiliate terminals 300-1 to 300-n to provide the financial institution affiliate terminals 300. -1 to 300-n) by allowing each to set at least one condition among non-identifying user conditions to be filtered, non-identifying user information, a propositionable loan method, and non-identifying user information that cannot be proposed. It can support to create a specific target customer category among target customer categories. In this case, the loan advertisement providing server 200 may allow each of the financial institution affiliate terminals 300-1 to 300-n to pay a fee for generating the first to i-th target customer categories.

For example, the loan advertisement providing server 200 allows each of the financial institution affiliate terminals 300-1 to 300-n to input the name of the target customer category through the target customer category setting interface, and then filter Enter filtering conditions for customers. In this case, the filtering condition may include an age of a target customer category, a credit rating of a target customer category, an annual income of a target customer category, a loan method that can be handled such as a visit loan, a phone loan, or an online loan as a propositionable loan method. In addition, the filtering conditions may include unproposed non-identifying user information including the number of loans by business sector, the number of loans by business sector, the number of non-cancellation arrears, the number of canceled arrears, and the number of defaults. It is possible to set conditions for identification user information, for example, number of times.

Again, referring to FIG. 9, the loan advertisement providing server 200 provides a target customer category setting interface to each of the financial institution affiliate terminals 300-1 to 300-n, and the financial institution affiliate terminals 300-1 to 300-n) Allows each to check information on loan products (③) proposed by other financial institution affiliate terminals for each unidentified user loan demand information.

And, referring to FIG. 12, specific non-identifying user loan demand information among non-identified user loan demand information for each of the first to i-th target customer categories from the financial institution affiliate terminals 300-1 to 300-n When a request for checking the loan conditions proposed by the affiliate terminal of another financial institution is obtained, the loan advertisement providing server 300 refers to the specific non-identified user information corresponding to the specific non-identified user loan demand information, and the specific non-identified user Loan products proposed by affiliate terminals of other financial institutions that are recorded in correspondence with the information are searched, and loan products proposed by affiliate terminals of other financial institutions are financed in response to specific unidentified user loan demand information according to the search results. It can support to be displayed on the terminal affiliated companies of the institution.

At this time, each of the financial institution affiliate terminals 300-1 to 300-n, through an interaction with the loan advertisement providing server 200, information on the maximum and minimum interest rates in loan products proposed by other financial institution affiliate terminals Can be provided as summary information (①).

In addition, each of the financial institution affiliate terminals 300-1 to 300-n is filtered including at least one of a loan product type, a loan product period, and a loan product interest rate through an interaction with the loan advertisement providing server 200 Make sure that the conditions (②, ③, ④) are displayed, and some loan products (⑤, ⑥, ⑦) among the loan products filtered by at least one filtering condition selected by each financial institution affiliates are displayed. I can.

In addition, each of the financial institution affiliate terminals 300-1 to 300-n, through an interaction with the loan advertisement providing server 300, for loan products proposed by other financial institution affiliate terminals, at least a loan product Priority is set in the order of lowest interest rate or highest loan product limit, and if the loan product interest rate or loan product limit is the same, the review rating for the financial institution corresponding to the loan product, the time the loan product was offered, and the loan Priority may be set with reference to at least one of a product limit or a loan product interest rate, and loan products proposed by a partner terminal of another financial institution may be displayed in response to the set priority.

Next, referring to FIGS. 13 to 16, specific non-identifying user loan demand information among non-identifying user loan demand information displayed on each of the financial institution affiliate terminals 300-1 to 300-n by financial institution affiliates. If you select a request for information on specific non-identified user loan demand information among non-identified user loan demand information by first to i-th target customer category in order to check the loan conditions that can be borrowed for, that is, proposed, the financial institution affiliate The terminals 300-1 to 300-n transmit an information request for specific non-identified user loan demand information to the loan advertisement providing server 200, and accordingly, the loan advertisement providing server 200 is a specific non-identifying user. A specific loan request condition corresponding to the loan demand information and specific non-identifying user information are transmitted (S16) to the financial institution affiliate terminals 300-1 to 300-n. On the other hand, the loan advertisement providing server 200 may allow each of the financial institution affiliate terminals 300-1 to 300-n to pay a fee for confirming information on specific non-identifying user loan demand information.

At this time, the specific loan request conditions and specific non-identified user information corresponding to the specific non-identified user loan demand information are the information on the non-identified loan applicant (①), the details of the loan application (②), the credit score (③), and the credit score influence factor ( ④), annual credit rating history (⑤), summary of credit status (⑥), average expected interest rate by industry (⑦), loan revision report (⑧), loan transaction information (⑨), annual loan performance summary (⑩), cash service Information (⑪), card information setting report (⑫), joint guarantee details (⑬), credit recovery committee information (⑭), and the like, but are not limited thereto. In addition, specific loan wish conditions corresponding to specific non-identifying user loan demand information and specific non-identifying user information may include additional information (⑮) for credit evaluation of the borrower for each financial institution affiliate, and financial institution affiliate terminals ( The loan advertisement providing server 200 may provide the loan advertisement by a request from 300-1 to 300-n).

In addition, the loan advertisement providing server 200 provides a loan advertisement providing server API to which financial institution affiliate terminals 300-1 to 300-n can access, so that the financial institution affiliate terminals 300-1 to 300-n ) Each can obtain standardized non-identifying user information provided by the loan advertisement provision server 200 through the loan advertisement provision server API, and each of the financial institution affiliate terminals 300-1 to 300-n loan If non-identifying user information is additionally required in addition to the standardized non-identifying user information provided by the advertisement providing server 200, it may be obtained from the loan advertisement providing server 200 by requesting through the loan advertisement providing server API.

And, referring to FIG. 17, financial institution affiliates refer to specific loan wish conditions corresponding to specific non-identified user loan demand information and at least one or more loan conditions that can be actually provided to specific non-identified users with reference to specific non-identified user information. Selects the loan product of (S17) and transmits it to the loan advertisement providing server 200.

As an example, financial institution affiliates use the financial institution affiliate terminals (300-1 to 300-n) to provide loan terms (①) including repayment method, loan period, loan interest rate, and loan limit, and phone loan, online loan, and visit You will enter the handling method (②) such as loan.

In addition, financial institution affiliates may request necessary documents (③) for loans of specific identified users when providing loan products corresponding to specific non-identified user loan information.

Next, referring to FIG. 18, the non-identified user in response to the loan request condition and the non-identified user credit information referring to the loan demand information for the non-identified user from such financial institution affiliate terminals 300-1 to 300-n. When at least one loan product that can be provided to the user is obtained, the loan advertisement providing server 200 transmits a loan advertisement for at least one loan product corresponding to the non-identified user loan demand information to the identification user terminal corresponding to the non-identified user. By (S18), the identification user can select a desired loan product by referring to at least one loan product. That is, the loan advertisement providing server 200 classifies the loan products corresponding to the unidentified user loan demand information obtained from the financial institution affiliate terminals 300-1 to 300-n by identification user, It will be possible to provide customized loan advertisements to customers.

At this time, the loan advertisement providing server 200 supports at least one financial institution affiliate terminal 300-1 to 300-n connected to the loan advertisement providing server to display information on loan demand for non-identifying users, and at least In response to a selection signal for unidentified user loan demand information from one financial institution affiliate terminal (300-1 to 300-n), at least one financial institution affiliate terminal (300-1 to 300-n) is a loan advertisement By supporting the acquisition of desired loan conditions and non-identifying user information while connected to the providing server 200, at least one financial institution affiliate refers to the loan desired conditions and non-identified user information, and information on loan demand for non-identified users At least one loan product corresponding to is transmitted to the loan advertisement providing server 200 through at least one financial institution affiliate terminal 300-1 to 300-n.

In addition, the first to k-th loans corresponding to the specific identification user in response to a selection signal for the first to k-th loan category in the loan category from the specific identification user terminal 100-1 of a specific identification user who is a part of the identification users In a state in which the loan demand information for the first to k-th non-identifying users referring to the desired condition and the first to k-th non-identifying user credit information, respectively, is generated, the loan advertisement providing server 200 includes at least one financial institution affiliate terminal ( 300-1 to 300-n), when at least one loan product corresponding to each of the first to kth non-identified user loan demand information is obtained, the association between the identification user information and the first to kth non-identified user information With reference to the information, the specific identification user terminal 100-1 makes a loan for loan products corresponding to the first to k-th non-identified user loan demand information and the first to k-th non-identified user loan demand information. To display an advertisement, but when the first to j-th non-identified user loan demand information among the first to k-th non-identified user loan demand information is selected by a specific identification user (①, ②), a specific identification user terminal 100 The display area of -1) is divided into a first area to a jth area, and loan products (③, ④) corresponding to each of the first to jth unidentified user loan demand information in each of the first to jth areas Can be displayed. In this case, j and k may be an integer greater than or equal to 1, and j may be an integer less than or equal to k.

At this time, when the loan advertisement providing server 200 is selected from the first to jth non-identified user loan demand information among the first to k-th non-identified user loan demand information by a specific identification user, the specific identification user terminal 100- 1) to display loan products corresponding to each of the first to jth unidentified user loan demand information, but corresponding to the first to jth priorities corresponding to each of the first to jth non-identified user loan demand information Thus, you can display loan products.

On the other hand, the first to jth priorities, respectively, set the priority in the order of at least the lowest loan product interest rate or the highest loan product limit, and if the loan product interest rate or the loan product limit are the same, finance corresponding to the loan product It may be set with reference to at least one of a review rating for an institution, a time at which the loan product was proposed, and a loan product limit or a loan product interest rate.

And, for each of the first to jth unidentified user loan demand information, a filtering condition including at least one of a loan product type, a loan product period, and a loan product interest rate is displayed, and at least one selected by a specific identification user Some of the loan products filtered by one filtering condition may be displayed in correspondence with the first to jth priorities.

Next, referring to FIG. 19, when a selection signal for a desired loan product is obtained from the identification user terminal 100-1, the loan advertisement providing server 200 responds to financial institution information and loan product corresponding to the loan product. The loan product information, a review rating of a financial institution corresponding to the loan product, and a loan application selection icon for the loan product may be displayed on the identification user terminal (S19). At this time, when the identification user selects a specific loan product, the loan advertisement providing server 200 may request payment of a fee to a specific financial institution affiliate terminal 300-1 to 300-n corresponding to the specific loan product.

And, the loan application selection icon includes at least one of an online loan icon, a phone loan icon, and a financial institution visit icon, and when a selection signal for a specific loan application selection icon is obtained from the identification user terminal 100-1, the loan The advertisement providing server 200 makes a loan to an identification user using non-identifying user information from the financial institution affiliate terminals 300-1 to 300-n by a loan method corresponding to a specific loan application selection icon (S20). can do.

On the other hand, the loan advertisement providing server 200 enables the identification user to write a review on a loan product or a financial institution affiliate corresponding to the loan product, and may manage a rating for the created review.

Further, the embodiments according to the present invention described above may be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded in the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and usable to those skilled in the computer software field. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs and DVDs, magnetic-optical media such as floptical disks. media), and a hardware device specially configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of the program instructions include not only machine language codes such as those produced by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules to perform processing according to the present invention, and vice versa.

In the above, the present invention has been described by specific matters such as specific elements and limited embodiments and drawings, but this is provided only to help a more general understanding of the present invention, and the present invention is not limited to the above embodiments. , Anyone with ordinary knowledge in the technical field to which the present invention pertains can make various modifications and variations from these descriptions.

Therefore, the spirit of the present invention is limited to the above-described embodiments and should not be defined, and all modifications that are equally or equivalent to the claims as well as the claims to be described later fall within the scope of the spirit of the present invention. I would say.

100-1, 100-m: identification user terminal,
200: loan advertisement providing server
300-1, 300-n: Financial institution affiliate terminal

Claims (32)

In the method of operating or using the platform to provide customized loan advertisements to loan eligible persons corresponding to non-identifying user information,
(a) In a state in which non-identifying user loan demand information referring to loan desired conditions corresponding to each of the identified users and non-identifying user information corresponding to the identified user information of each of the identified users is generated, a financial institution affiliate terminal When they are connected, the loan advertisement providing server classifies the non-identified user loan demand information corresponding to each of the at least one first to i-th target customer categories preset by each of the financial institution affiliates, and the classified first to Supporting non-identified user loan demand information for each i th target customer category to be displayed on the financial institution affiliate terminals; And
(b) a loan corresponding to each of the non-identified user loan demand information including a loan availability condition corresponding to each of the first to i-th target customer category-specific non-identified user loan demand information from the financial institution affiliate terminals When products are obtained, the loan advertisement providing server provides loan products corresponding to each of the non-identified user loan demand information, with reference to the association relationship information between the identification user information and the non-identified user information, Classified by identification user, and by transmitting a loan advertisement for the loan products corresponding to each of the non-identified user loan demand information classified by the identification user to each identification user terminal corresponding to the identification user, the Supporting each of the identification user terminals to display the loan products corresponding to the identification user;
How to include. The method of claim 1,
In step (b),
The loan advertisement providing server, when an information request for specific non-identified user loan demand information among the first to i-th target customer category-specific non-identified user loan demand information is obtained from the financial institution affiliate terminals, the specific ratio By transmitting a specific loan request condition and specific non-identifying user information corresponding to the identification user loan demand information to the financial institution affiliate terminals, the financial institution affiliates refer to the specific loan desired condition and the specific non-identifying user information. The method for supporting to check the loan products corresponding to the specific non-identifying user loan demand information. The method of claim 1,
After step (a),
(a1) Checking the loan conditions proposed by other financial institution affiliate terminals for specific non-identified user loan demand information among the first to i-th target customer category-specific non-identified user loan demand information from the financial institution affiliate terminals When a request is obtained, the loan advertisement providing server refers to the specific non-identified user information corresponding to the specific non-identified user loan demand information, and is recorded in correspondence with the specific non-identified user information. The loan products proposed by the terminal are searched, and the loan products proposed by the other financial institution affiliate terminals are displayed on the financial institution affiliate terminals in response to the specific unidentified user loan demand information according to the search result. Supporting to be possible;
How to further include. The method of claim 3,
The loan advertisement providing server sets priorities for the loan products proposed by the other financial institution affiliate terminals in the order of at least the lowest loan product interest rate or the highest loan product limit, and the loan product interest rate Or, if the loan product limit is the same, the priority is determined by referring to at least one of a review score for a financial institution corresponding to the loan product, the time at which the loan product was proposed, and the loan product limit or the loan product interest rate. A method of setting and supporting the loan products proposed by the other financial institution affiliate terminals to be displayed on the financial institution affiliate terminals in response to the set priority. The method of claim 4,
The loan advertisement providing server supports to display a filtering condition including at least one of a loan product type, a loan product period, and a loan product interest rate on the financial institution affiliate terminal, and at least selected by each of the financial institution affiliates A method of supporting some of the loan products filtered by one filtering condition to be displayed on the financial institution affiliate terminals. The method of claim 1,
Before step (a),
(a01) The loan advertisement providing server provides a customer category setting interface to the financial institution affiliate terminals to allow each of the financial institution affiliate terminals to filter, non-identifying user conditions, non-identifying user information, and offerable loans. Supporting the creation of a specific target customer category among the first to i-th target customer categories by setting at least one condition of the method and non-identifying user information that cannot be suggested;
How to further include. The method of claim 1,
(c) When loan applications for loan products desired to be loaned among the loan products are obtained from the identification user terminal, the loan advertisement providing server receives the non-identified user loan demand information corresponding to each of the loan products. Supporting the financial institution affiliate terminal to make a loan to the identified users with reference;
How to further include. The method of claim 1,
Before step (a),
(a02) The loan advertisement providing server transmits a loan category for loans that can be provided in response to a loan search request from the identification user terminals to the identification user terminals, and the loan category from the identification user terminals When the loan desired conditions corresponding to each of the loans included in and the identification user information corresponding to the identification user information are obtained, the non-identifying user information obtained by de-identifying the identification user information is generated, and the Generating the non-identified user loan demand information by referring to loan desired conditions and the non-identified user information;
How to further include. In the method of operating or using the platform to provide customized loan advertisements to loan eligible persons corresponding to non-identifying user information,
(a) In a state in which non-identified user loan demand information referring to loan desired conditions corresponding to each of the identified users and non-identified user information corresponding to the identified user information of each of the identified users is generated, a loan advertisement providing server From the non-identifying user loan demand information is classified corresponding to each of the at least one first to i-th target customer category preset by each of the financial institution affiliates, and the classified first to i-th target customer category non-identifying user When the loan demand information is obtained, the financial institution affiliate terminal displays non-identified user loan demand information for each of the first to i-th target customer categories; And
(b) the financial institution affiliate terminal is a loan corresponding to each of the non-identified user loan demand information including a loan availability condition corresponding to each of the first to i-th target customer category-specific non-identified user loan demand information By transmitting products to the loan advertisement providing server, the loan advertisement providing server provides loan products corresponding to each of the non-identified user loan demand information, and the association relationship information between the identification user information and the non-identified user information. For reference, each identification user terminal corresponding to the identification users is classified by the identification user, and a loan advertisement for the loan products corresponding to each of the unidentified user loan demand information classified by the identification user Transmitting to each of the identification user terminals to support each of the identification user terminals to display the loan products corresponding to the identification user;
How to include. The method of claim 9,
In step (b),
The financial institution affiliated terminal provides the loan advertisement by transmitting an information request for specific non-identified user loan demand information among the first to i-th target customer category-specific loan demand information to the loan advertisement providing server. The server transmits a specific loan request condition corresponding to the specific non-identifying user loan demand information and specific non-identifying user information to the financial institution affiliate terminals, and the specific loan request condition obtained from the loan advertisement providing server A method of identifying the loan products corresponding to the specific non-identifying user loan demand information by referring to the specific non-identifying user information. The method of claim 9,
After step (a),
(a1) The financial institution affiliate terminal checks a loan condition proposed by another financial institution affiliate terminal for specific non-identified user loan demand information among the first to i-th target customer category information. By transmitting the request to the loan advertisement providing server, the loan advertisement providing server is recorded in correspondence with the specific non-identifying user information by referring to specific non-identifying user information corresponding to the specific non-identified user loan demand information. , The loan products proposed by the other financial institution affiliate terminal are searched, and the loan products proposed by the other financial institution affiliate terminal are financed in response to the specific unidentified user loan demand information according to the search result. Displaying the loan products proposed by the other financial institution affiliate terminal transmitted from the loan advertisement providing server and transmitted to the institution affiliate terminal;
How to further include. The method of claim 11,
The financial institution affiliate terminal causes the loan advertisement providing server to prioritize the loan products proposed by the other financial institution affiliate terminals in the order of at least a low interest rate for the loan product or a high loan product limit. And, when the loan product interest rate or the loan product limit is the same, at least one of a review score for a financial institution corresponding to the loan product, the time at which the loan product was proposed, and the loan product limit or the loan product interest rate The method of setting the priority with reference to and transmitting the loan products proposed by the other financial institution affiliate terminal to the financial institution affiliate terminal in response to the set priority. The method of claim 12,
The financial institution affiliate terminal causes the loan advertisement providing server to support a filtering condition including at least one of a loan product type, a loan product period, and a loan product interest rate to be displayed on the financial institution affiliate terminal, and the financial institution A method of supporting some of the loan products filtered by at least one filtering condition selected by each of the affiliates to be displayed on the financial institution affiliate terminals. The method of claim 9,
Before step (a),
(a01) The financial institution affiliate terminal provides a target customer category setting interface to the financial institution affiliate terminals by the loan advertisement providing server to each of the financial institution affiliate terminals, the non-identifying user condition to be filtered, Setting at least one condition among non-identifying user information, a propositionable loan method, and non-proposable non-identifying user information to support the creation of a specific target customer category among the first to i-th target customer categories;
How to further include. The method of claim 9,
(c) The financial institution affiliate terminal, when the loan advertisement providing server obtains loan applications for loan products desired to be loaned from the identification user terminal, the corresponding to each of the loan products Allowing the financial institution affiliate terminal to support loans to the identified users by referring to information on unidentified user loan demands;
How to further include. The method of claim 9,
Before step (a),
(a02) The financial institution affiliate terminal transmits a loan category for loans that can be provided to the identification user terminals by the loan advertisement providing server in response to a loan search request from the identification user terminals, and the identification When the loan desired conditions corresponding to each of the loans included in the loan category and identification user information corresponding to the identification user information are obtained from user terminals, the identification user information is de-identified and processed. Generating user information, and generating the non-identified user loan demand information by referring to the loan desired conditions and the non-identified user information;
How to further include. In the loan advertisement providing server operating or using the platform to provide customized loan advertisements to loan eligible persons corresponding to non-identifying user information,
A memory for storing instructions for operating or using the platform to provide customized loan advertisements to loan eligible persons corresponding to non-identifying user information; And
A processor configured to operate or use the platform to provide the customized loan advertisement to the loan eligible person corresponding to the non-identified user information according to the instructions stored in the memory;
Including, wherein the processor,
(i) In a state in which non-identifying user loan demand information referring to loan desired conditions corresponding to each of the identified users and non-identifying user information corresponding to the identification user information of each of the identified users is generated, financial institution affiliates When the terminals are connected, the non-identifying user loan demand information is classified corresponding to each of at least one first to i-th target customer category preset by each of financial institution affiliates, and the classified first to i-th target customer categories A process for supporting the display of each non-identified user loan demand information on the financial institution affiliate terminals, and
(ii) a loan corresponding to each of the non-identified user loan demand information including a loan availability condition corresponding to each of the first to i-th target customer category-specific non-identified user loan demand information from the financial institution affiliate terminals When products are obtained, loan products corresponding to each of the non-identified user loan demand information are classified by the identified user with reference to the relationship information between the identification user information and the non-identified user information, and the Each of the identification user terminals by transmitting a loan advertisement for the loan products corresponding to each of the unidentified user loan demand information classified by identification user to respective identification user terminals corresponding to the identification users. A loan advertisement providing server that performs a process of supporting display of the loan products corresponding to the identified user. The method of claim 17,
The processor,
In the process (ii), when a request for information on specific non-identified user loan demand information among the first to i-th target customer category-specific non-identified user loan demand information is obtained from the financial institution affiliate terminals, the specific ratio By transmitting a specific loan request condition and specific non-identifying user information corresponding to the identification user loan demand information to the financial institution affiliate terminals, the financial institution affiliates refer to the specific loan desired condition and the specific non-identifying user information. A loan advertisement providing server that supports to check the loan products corresponding to the specific non-identifying user loan demand information. The method of claim 17,
The processor,
After the (i) process, (i-1) other financial institutions regarding specific non-identified user loan demand information from the first to i-th target customer category-specific non-identified user loan demand information from the financial institution affiliate terminals. When a request to confirm the loan condition proposed by the affiliate terminal is obtained, the other, which is recorded in correspondence with the specific non-identified user information, with reference to the specific non-identified user information corresponding to the specific non-identified user loan demand information. The loan products proposed by the financial institution affiliate terminal are searched, and the loan products proposed by the other financial institution affiliate terminal in response to the specific unidentified user loan demand information according to the search result are the financial institution affiliate terminal A loan advertisement providing server that further performs the process of supporting display on fields. The processor sets priorities for the loan products proposed by the other financial institution affiliate terminals in the order of at least the lowest interest rate for the loan product or the highest loan product limit, and the loan product interest rate or the loan When the product limit is the same, the priority is set by referring to at least one of a review score for a financial institution corresponding to the loan product, a time at which the loan product was proposed, and the loan product limit or the loan product interest rate, A loan advertisement providing server that supports to display the loan products proposed by the other financial institution affiliate terminals in response to the set priority. The method of claim 20,
The processor supports to display a filtering condition including at least one of a loan product type, a loan product period, and a loan product interest rate on the financial institution affiliate terminal, and at least one filtering selected by each of the financial institution affiliates A loan advertisement providing server that supports some of the loan products filtered by conditions to be displayed on the financial institution affiliate terminals. The method of claim 17,
The processor,
Prior to the (i) process, (i-01) a customer category setting interface is provided to the financial institution affiliate terminals to allow each of the financial institution affiliate terminals to filter, unidentified user conditions, non-identified user information, A loan advertisement providing server further performing a process of supporting the creation of a specific target customer category among the first to i-th target customer categories by setting at least one condition of a propositionable loan method and non-proposable non-identifying user information. The method of claim 17,
The processor,
(iii) When loan applications for loan products for which loans are desired among the loan products are obtained from the identification user terminal, the financial institution affiliate terminal with reference to the non-identified user loan demand information corresponding to each of the loan products A loan advertisement providing server that further performs a process of supporting the loan to the identified users. The method of claim 17,
The processor,
Before the (i) process, (i-02) transmits a loan category for loans that can be provided in response to a loan search request from the identification user terminals to the identification user terminals, and from the identification user terminals When the loan desired conditions corresponding to each of the loans included in the loan category and the identification user information corresponding to the identification user information are obtained, the identification user information is de-identified and processed to generate the non-identifying user information And, a loan advertisement providing server further performing a process of generating the non-identified user loan demand information by referring to the loan desired conditions and the non-identified user information. In a financial institution affiliate terminal operating or using the platform to provide customized loan advertisements to loan eligible persons corresponding to non-identifying user information,
A memory for storing instructions for providing loan products based on real loan conditions that can be suggested by referring to non-identifying user information; And
A processor performing an operation for providing and giving the loan products based on an actual loan condition that can be suggested by referring to the non-identified user information according to the instructions stored in the memory;
Including, wherein the processor,
(i) In a state in which non-identified user loan demand information referring to loan desired conditions corresponding to each of the identified users and non-identified user information corresponding to the identified user information of each of the identified users is generated, a loan advertisement providing server The non-identifying user loan demand information is classified according to each of the at least one first to i-th target customer category preset by each of the financial institution affiliates, and the classified first to i-th target customer category-specific non-identifying users When loan demand information is obtained, a process of displaying non-identified user loan demand information for each of the first to i-th target customer categories, and
(ii) The loan advertisement providing server provides loan products corresponding to each of the non-identified user loan demand information including a loan availability condition corresponding to each of the first to i-th target customer category-specific non-identified user loan demand information By sending the loan advertisement providing server to the loan products corresponding to each of the loan demand information for the non-identified user, referring to the relationship information between the identification user information and the non-identifying user information, the identification user The identification user by transmitting a loan advertisement for the loan products corresponding to each of the non-identified user loan demand information classified by the identification user and classified by the identification user to each identification user terminal corresponding to the identification user A financial institution affiliate terminal performing a process of supporting each of the terminals to display the loan products corresponding to the identified user. The method of claim 25,
The processor,
In the (ii) process, the loan advertisement is provided by transmitting an information request for specific non-identified user loan demand information among the first to i-th target customer category-specific loan demand information to the loan advertisement providing server. The server transmits a specific loan request condition corresponding to the specific non-identifying user loan demand information and specific non-identifying user information to the financial institution affiliate terminals, and the specific loan request condition obtained from the loan advertisement providing server A financial institution affiliate terminal for checking the loan products corresponding to the specific non-identified user loan demand information by referring to the specific non-identified user information. The method of claim 25,
The processor,
After the (i) process, (i-1) a specific non-identified user loan demand information among the first to i-th target customer categories-specific loan demand information proposed by another financial institution affiliate terminal By sending a request to confirm a loan condition to the loan advertisement providing server, the loan advertisement providing server refers to the specific non-identified user information corresponding to the specific non-identified user loan demand information, and corresponds to the specific non-identified user information. The loan product proposed by the other financial institution affiliate terminal in response to the specific unidentified user loan demand information according to the recorded, searched for the loan products proposed by the other financial institution affiliate terminal, and according to the search result A financial institution affiliate terminal for transmitting the files to the financial institution affiliate terminal, and further performing a process of displaying the loan products proposed by the other financial institution affiliate terminal transmitted from the loan advertisement providing server. The method of claim 27,
The processor causes the loan advertisement providing server to prioritize the loan products proposed by the other financial institution affiliate terminals in the order of at least a low interest rate for the loan product or a high loan product limit, When the loan product interest rate or the loan product limit is the same, by referring to at least one of a review score for a financial institution corresponding to the loan product, the time at which the loan product was proposed, and the loan product limit or the loan product interest rate A financial institution affiliate terminal configured to set the priority and transmit the loan products proposed by the other financial institution affiliate terminal to the financial institution affiliate terminal in response to the set priority. The method of claim 28,
The processor enables the loan advertisement providing server to support a filtering condition including at least one of a loan product type, a loan product period, and a loan product interest rate to be displayed on the financial institution affiliate terminal, and each of the financial institution affiliates A financial institution affiliate terminal for supporting some of the loan products filtered by at least one filtering condition selected by to be displayed on the financial institution affiliate terminals. The method of claim 25,
The processor,
Prior to the (i) process, (i-01) the loan advertisement providing server provides a target customer category setting interface to the financial institution affiliate terminals to allow each of the financial institution affiliate terminals to de-identify to filter. The process of setting at least one condition among user conditions, non-identifying user information, a propositionable loan method, and non-proposable non-identifying user information to support the creation of a specific target customer category among the first to i-th target customer categories Financial institution affiliate terminal to do more. The method of claim 25,
The processor,
(iii) when the loan advertisement providing server obtains loan applications for loan products desired to be loaned from the identification user terminal, the non-identified user loan demand information corresponding to each of the loan products A financial institution affiliate terminal further performing a process of causing the financial institution affiliate terminal to support loans to the identified users with reference. The method of claim 25,
The processor,
Prior to the (i) process, (i-02) the loan advertisement providing server transmits a loan category for loans that can be provided to the identification user terminals in response to a loan search request from the identification user terminals, and When the loan desired conditions corresponding to each of the loans included in the loan category and the identification user information corresponding to the identification user information are obtained from the identification user terminals, the identification user information is de-identified and processed. A financial institution affiliate terminal further performing a process of generating the non-identifying user information and generating the non-identifying user loan demand information by referring to the loan desired conditions and the non-identifying user information.

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