KR20200129411A - Online mortgage loan system and method for financial institutions - Google Patents

Abstract

According to the present invention, provided is an asset collateral loan system for a financial institution (bank), comprising: a customer authentication unit which proceeds customer membership and manages information on a customer; an asset collateral appraisal unit checking information of the asset collateral and evaluating the value of the asset collateral; a contract management unit proceeding the asset collateral loan contract and reviews; and an asset collateral management unit managing, utilizing, and disposing of the asset collateral. The asset collateral management unit is provided as a separate entity contracted with the financial institution so as to manage, utilize, and dispose of the asset collateral. When an applicant of the asset collateral loan fails to repay the loan after a repayment period has reached, the asset collateral is disposed.

Description

Online mortgage loan system and method for financial institutions}

The present invention relates to an online real estate mortgage loan system and method. More specifically, unlike the existing real estate mortgage loan system, a separate movable property security management institution manages, uses, and disposes of movable property security, thereby activating movable property security loans by financial institutions. And a system and method for an online real estate mortgage loan to reduce the risk.

Generally, in order to receive a loan from a financial institution, there are mortgage loans that require collateral and credit loans. Here, a loan that a financial company judges the creditworthiness of a customer is a credit loan. The loan amount and interest rate are determined by considering the customer's economic situation, job, transaction, and family matters.

Credit loans are classified into pure unguaranteed credit loans and credit guarantees established by credit guarantee companies. Unguaranteed credit loans are genuine credit loans, which are determined according to their own creditworthiness. In contrast, mortgage loans are generally longer than credit loans, higher in amount, and lower interest rates. A money lender refers to holding real estate or assets of economic value from the lender in case the money is not returned.

In other words, a financial transaction in which a financial company establishes physical collateral and loans funds is called a collateral loan. Here, a financial transaction refers to loaning real estate as collateral or real estate security bonds as collateral, and is one of the mortgage financing that conducts economic and legal acts according to the financing. When an ordinary person buys a house, the funds are insufficient, and the shortfall is loaned from a financial company, and the financial company establishes a mortgage as collateral.

However, in general, companies are receiving loans with real estate as collateral to secure liquidity funds, but there is a limit to loans because real estate must be collateralized. Small businesses such as small and medium-sized enterprises have a relatively small amount of collateral for their real estate. It is struggling to secure liquidity.

As an alternative to these difficulties, recent discussions have been made on mortgage loans. Mortgage mortgage loans are designed to promote corporate investment and improve the business environment after the financial crisis in order to allow companies that do not own real estate to receive loans as collateral for companies that do not own real estate. It was introduced as part.

That is, a mortgage mortgage loan means that a company provides raw materials and products in factories or warehouses as collateral in addition to real estate land and buildings, and receives a certain amount of loans corresponding to the mortgage security from a financial institution such as a bank.

However, it is difficult to determine the value of movable property for establishing a movable security right, and there is a problem that the debtor company defaults to its debt while generating profits by using the movable property. Therefore, there is a need for a safe movable mortgage loan plan through the possession of reliable movable property.

In addition, as a financial institution, there are limitations in the management, use and disposal of movable security, and it is difficult for both the applicant and financial institution to check the movable security in real time, and the repayment period of the loan has come, but the lender does not repay the loan in time. If not, there is a problem in that financial institutions have the same risks.

Patent Publication No. 10-2014-0055722 (published on May 9, 2014)

The present invention was conceived in view of the above-described problems, and an object of the present invention is to reduce the risk of financial institutions by effectively managing movable security by a movable security management institution that performs management, utilization, and disposal of movable security. It is intended to provide a system and method for a movable mortgage loan to activate the movable mortgage loan.

The movable property mortgage loan system of a financial institution (bank) according to the present invention includes a customer authentication unit that performs membership registration and information management of customers, a movable security appraisal unit that verifies and evaluates the value of movable property security, and a movable property security loan contract and review. It includes a contract management unit that manages, uses, and disposes of the movable security, and the movable security management unit is provided as a separate entity contracted with the financial institution to manage, use, and dispose of the movable security. It is characterized in that the movable property security is disposed of when the applicant fails to repay the movable property security loan after the repayment period has reached.

In addition, the movable property security management unit is characterized in that it concludes a trust contract, liens, or pledge contract with the financial institution for the movable security, and pays the amount sold online to dispose of the movable property security to the financial institution. .

In addition, the movable security management unit may provide and utilize the calculated value of the movable security, including the movable security appraisal unit, to the financial institution, if necessary.In order to evaluate the value, the applicant's submitted documents, check the status of the movable security, It is characterized in that the judgment is made by referring to the brand, year, size, color and related information, standard market price information previously provided, loan information of the applicant, and nonpayment information.

In addition, the movable security management unit uses a system that manages the movable security in three dimensions, but accurately manages the inventory of the movable security in real time by using an OCR or QR code, and the acquired data is transmitted to the financial institution or It is characterized in that it can be stored, processed, and utilized through a server.

The method of a movable mortgage loan of a financial institution (bank) according to the present invention includes the steps of signing up and verifying a member of a movable mortgage loan applicant, assessing the value of the movable security, and approving a loan based on the assessed value and determining the available amount of loan. The steps of, entrusting and delegating the movable security to a movable security management institution, managing the movable security using OCR, QR code, and a three-dimensional system and providing real-time information, and the applicant's loan repayment period has arrived. If reimbursement is not carried out, the step of disposing of the entrusted movable property security by the movable property security management institution and transferring the amount of the disposed movable property security to the financial institution.

In addition, the movable property security management institution concludes a trust contract, liens, and pledge contract with the financial institution for the movable security, and pays the amount sold online to dispose of the movable property security to the financial institution. do.

In addition, the movable property security management institution may provide and utilize the calculated value of the movable property security to the financial institution, if necessary.In order to evaluate the value, the applicant's submitted documents, status check of the movable property security, brand, year, size, It is characterized in that the determination is made by referring to color and related information, standard market price information previously provided, loan information of the applicant, and information on arrears.

In addition, the movable security management institution uses a system that manages the movable security in three dimensions, but accurately manages the inventory of the movable security in real time by using an OCR or QR code, and the acquired data is transmitted to the financial institution or separately It is characterized in that it can be stored, processed, and utilized through the server of.

In addition, the step of transmitting, by the personal property security management institution, the inventory information, current location information, and processing status information of the personal property security to the financial institution and the property security owner, and the financial institution and the property security owner review the received information and data. And by further comprising the step of confirming the management, utilization, processing and disposal of the movable property collateral to prevent disputes and problems.

The system and method of a movable property-secured loan according to the present invention can reduce the risk of a financial institution and promote movable property-secured loan.

1 is a block diagram of an online movable mortgage loan system according to the present invention,
2 is a main flow chart of the online personal property security loan method according to the present invention,
Figure 3 is a detailed flow chart of the online mortgage loan method according to the present invention,
4 is a diagram of a reference image of a 3D system for managing movable security in the online movable security loan method according to the present invention.

Hereinafter, with reference to the accompanying drawings, a movable property security loan system and method according to an embodiment of the present invention will be described in detail so that those of ordinary skill in the art can easily implement it.

The present invention is not limited to the embodiments described herein, and may be implemented in various different forms. In order to clearly describe the present invention, parts irrelevant to the description have been omitted, and the same reference numerals are attached to the same or similar components throughout the specification.

In the description of the present invention, movable property is meant to comprehensively include fluid, intangible, and semi-intangible objects excluding real estate, and may be labeled as "goods" or "products" for convenience of explanation, and includes intellectual property rights and various intangible property rights. can do.

In addition, in the description of the present invention, the contractual relationship between the management institution of movable property security and the financial institution can be selected according to each situation, such as entrustment, trust, delegation, pledge, lien, etc., and is not limited to the phrase.

1 is a configuration diagram of a movable property security loan system according to the present invention. As shown, the movable property security loan system of a financial institution or bank according to the present invention is a customer authentication unit 120 for registering a customer and managing information , A movable security appraisal unit 140 that checks information and evaluates the value of movable security, a contract management unit 130 that conducts contract and review of movable security loans, and a movable security management unit that manages, uses, and disposes of the movable security. .

The customer authentication unit 120 includes a member registration and management unit 121, and manages authentication information for individual customers and corporate customers subscribed to the bank, and authentication of customers accessed through an online web page for real-time real-time mortgage loans. Information-based authentication approval/rejection is performed. The authentication information may be a customer's ID and password, a certificate, a certificate password, etc. for the customer to access (log in) the financial institution (bank) server 100.

In addition, a separate communication unit 110 is further included, and the communication unit 110 is connected to the Internet network through a wired or wireless interface and performs a data transmission/reception function for a mortgage loan. The web page provides a banking site and Internet banking service through the Internet, and may provide periodic or non-periodic security program/version updates for safe communication with customers.

The contract management unit 130 includes a loan examination unit 131, and the loan examination unit 131 reviews and reflects the evaluation result of the movable property security evaluation unit 140 to approve or adjust whether a loan contract with a customer is available. . Of course, in addition to the result of the appraised value, various factors such as various information such as existing transaction details, credit rating, and illegal matters may be reflected together.

The movable property security appraisal unit 140 includes a movable property security information verification unit 141 and a movable property security valuation unit 143. Accordingly, a movable property-secured loan application is received through a web page to provide information on a movable property security loan, receive movable property as collateral from a customer, and lend funds corresponding to the security. At this time, the movable security information verification unit 141 receives the type, inventory, transaction receipt, standard price (unit price) information, and logistics information of the movable property (product).

Then, when the amount of the received movable property is determined, the contract is completed by notifying the applicant and performing movable property security registration. At this time, the financial institution server 100 may transfer the movable property security loan determined as the movable property security loan contract is completed to the applicant's account, and obtain a lien/pledge for the security movable property or a consignment according to a trust relationship.

At this time, for the management, utilization and disposal of the movable security, the movable security management department or the movable security management institution may secure the above-described liens, pledges, or rights to dispose of consignments from the financial institution through a contract. A separate review step may be taken to proceed with such an agreement, and the Financial Supervisory Service or a separately established trust corporation may be used if necessary.

The movable security management unit is provided as a movable security management institution that is a separate entity contracted with the financial institution so as to manage, use, and dispose of the movable security loan, and if the applicant fails to repay the movable security loan after the repayment period has reached. Has the right to dispose of the above movable property security.

Accordingly, the personal property security management unit is provided as a separate institution, corporation, and natural person (individual, individual business entity) different from the financial institution, and is connected to the financial institution and the control unit 300 or through a separate server. ). Of course, the movable property security management institution server 200 is interlocked with the financial institution server 100, and if necessary, the control and management subject of the movable property security management institution server 200 may be the financial institution.

In addition, data transmitted/received from the financial institution server 100 and the movable property security management institution server 200 may be converted into a database through a separate control unit 300 and a database management unit 400, and various acquired information In addition, data can be processed or learned and utilized. In other words, it is possible to learn information using smart learning and deep learning technologies, and to predict and prepare for the situation of users or applicants, possible risks, and problems.

The movable property security management institution may conclude a trust contract, lien, or pledge contract with the financial institution for the movable security, and, if necessary, may pay the amount obtained by selling and disposing the movable property security online to the financial institution.

In addition, the movable property security management agency may first secure ownership, seizure, auction, etc. to sell the movable property security, and the sold amount is first retained by the movable property security management agency, and is then recalled upon review and confirmation. It can also be paid to financial institutions.

The movable property security management unit may include the movable property security appraisal unit 140 to provide and utilize the calculated value of the movable property security to the financial institution when necessary. That is, since the valuation of the movable property security is directly performed by the movable property security management institution contracted with the financial institution, the financial institution can reduce the burden on valuation and increase work efficiency.

In order to evaluate the value, it can be determined by referring to the applicant's submitted documents, the status of the movable property collateral, brand, year, size, color, and related information, as well as the standard price information provided previously, the applicant's loan information, and arrears information.

In addition, the movable property security appraisal unit 140 calculates the valuation amount of the secured movable property provided, and determines the movable property security loan differentially according to a certain ratio of the appraised value of the product in consideration of the creditworthiness of the applicant. ) And a credit evaluation unit (not shown).

The valuation unit 143 performs a security appraisal procedure of the provided secured movable property, but receives an approved appraisal through an independent appraisal company to appraise it or calculates an appraisal amount of goods based on recent transaction details (market price). . Of course, depending on the type of movable property secured by the applicant, a separate appraisal procedure may be held to secure expertise.

For example, if the movable property security is an intellectual property right (patent, trademark, etc.), you can refer to the valuation evaluation of a patent attorney or a patent corporation. It can be selected or selected by collecting expert opinions.

If necessary, information on arrears of taxes due to the applicant's national/customs/local taxes, etc., information on loans received through a financial institution, information on default on the debt determined as default by a decision of a financial institution or a court, and information on a guarantee for others And at least one of the corresponding bank transaction performance grades, etc. may be considered.

According to the result of the value appraisal by the personal property security appraisal unit 140, the contract management unit 130 or the customer authentication unit 120 raises the level of the applicant's transaction performance when the loan is normally repaid in accordance with the personal property security loan contract. Alternatively, if the loan repayment date according to the above contract is exceeded, the applicant's transaction performance grade can be lowered to reflect it in creditworthiness.

The movable property security management institution entrusts and manages the movable property security, but can provide and manage a separate warehouse and storage place, and uses a three-dimensional management system for efficient management. In addition, by using OCR (optical character reader) or QR code, the stock of the movable property collateral is accurately identified and managed in real time, and the acquired data can be transmitted to the financial institution or stored, processed, and utilized through a separate server. .

4 is an exemplary image of a 3D system used by the movable security management agency according to the present invention for the management of collateral as described above. For example, a 3D warehouse is implemented in the same way as a warehouse where the goods are actually stored. It is a program that lets you know how many there are in real time without going to the warehouse directly. When the manager clicks on the item on the shelf (red box in Fig. 4) of the movable collateral that needs to be checked, the current information of the clicked item is provided.

Such a 3D management program enables immediate identification, confirmation, and reporting using a computer in the office or a worker's tablet, and provides information to various people through a cloud server when necessary. In addition, augmented reality and virtual reality functions may be included to check realistic warehouses, storage locations, and movable security.

Summarizing the features of the system according to the present invention, if necessary, the movable property security management institution other than the financial institution can grasp information on the movable property security goods conventionally performed by a financial institution (bank) to evaluate the value of the security goods. It can be carried out instead, and the secured goods are stored and managed in the warehouse of a movable security management organization (a trustee).

In addition, from the moment the loan repayment date passes, the online system automatically performs the sale of the above movable security, and the direction of sales, settlement and distribution, etc. can be carried out according to a preset contract, and the sale of movable security is first entrusted. It can be deposited into an institution's account. Through this, it is possible to lower the risk of financial institutions, increase work efficiency, and secure the management safety and reliability of movable property security.

The method for a movable mortgage loan of a financial institution (bank) according to the present invention includes the step of signing up and verifying a member of a movable mortgage loan applicant (S100), receiving and confirming movable property security information (S200), and assessing the value of the movable security loan ( S300), a step of determining a loan approval and an available loan amount based on the assessed value (S400), and a step of determining whether to approve a loan (S500).

Of course, in addition to the above-described process, detailed additional processes and steps may be further included, and the steps may be changed, added or subtracted, or omitted if necessary. The movable property security loan method according to the present invention further includes the steps (S600, S650) of entrusting and delegating the movable property security to a movable property security management agency.

Therefore, unlike the conventional financial institution directly managing movable security, a separate movable security management institution selected through a contract with a financial institution can manage, utilize, and dispose of the movable security. Through this, financial institutions can reduce the risk of movable property security itself, and the difficulty in disposal and management.

In addition, after entrusting the movable security to the movable security management institution, the movable security is managed using an OCR or QR code and a three-dimensional system, and providing real-time information (S660), wherein the applicant is required to repay the loan. Step of confirming if repayment is not made even after this arrival (S700), and if necessary, the step of reviewing and disposing the disposition of the entrusted movable security (S800, S900), and the disposed movable security And transferring the amount of money to the financial institution (S1000).

The movable property security management institution may conclude a trust contract, lien, or pledge contract with the financial institution for the movable property security, and pay the amount sold online to dispose of the movable property security to the financial institution.

The above movable security management institution may provide and utilize the calculated value of the movable security to the financial institution, if necessary, and to evaluate the value, the applicant's submitted documents, check the status of the movable security, brand, year, size, color and It can be judged by referring to related information, standard market price information, applicant's loan information, and nonpayment information.

The movable security management institution uses a system that manages the movable security in three dimensions, but accurately manages the inventory of the movable security in real time by using an OCR or QR code, and the acquired data is transmitted to the financial institution or a separate server. It can be stored, processed and utilized through.

Transmitting, by the movable security management institution, inventory information, current location information, and processing status information of the movable security, to the financial institution and the movable security owner, and the financial institution and the movable security owner review and confirm the received information and data By further including the step of preventing disputes and problems during the management, utilization, processing, and disposal of the movable property security.

2 is a diagram showing the basic sequence of the movable property security loan method according to the present invention, and the product information verification step (S10), the product value evaluation step (S20), the loan approval step (S30), the movable property security management step (S40) and the US At the time of repayment, it includes the step of selling movable property security (S50).

3 shows a detailed sequence of a movable security loan method according to the present invention, and as described above, the membership registration and authentication step (S100), the movable security information reception and confirmation step (S200), the movable security value appraisal step (S300), It includes a loanable amount calculation step (S400), a loan approval decision step (S500), a loan contract and a security management contract step (S600), and a separate movable security management institution contracted according to the security management contract entrusts the movable security ( S650) and managing the movable property security as a separate 3D program (S660).

At this time, after the arrival of the loan repayment period, the applicant's loan repayment is checked (S700), and if it is not repaid, the movable security management institution or financial institution reviews the disposition and processing of the movable security (S800), and sells the movable security online. And (S900), to process the amount according to the sale (S1000). Of course, the above steps may be added or subtracted, changed, or omitted, and may include additional processes.

The present invention described above is not limited by the above-described embodiments and the accompanying drawings, and simple substitutions, modifications, and changes within the technical spirit of the present invention will be apparent to those of ordinary skill in the art.

The method and system for a movable property security loan according to the present invention can activate the operation of a movable property security loan by lowering the risk of a financial institution and enabling effective management of movable property security.

100: financial institution server 110: financial institution communication department
120: customer authentication unit 121: member registration/management department
130: contract management unit 131: loan review unit
140: movable property security evaluation department 141: movable property party information confirmation department
143: valuation department of movable property security 150: contract department of movable security management agency
200: movable property security management agency server 210: movable property security management agency
220: inventory management unit 221: 3D management program
230: Personal property security processing department 231: Online sales department
250: financial institution contract department 300: control unit
400: D/B management department
S100: Member registration/authentication stage
S200: Step of receiving/confirming information on personal property security
S300: Level of appraising the value of personal property security
S400: Calculation/adjustment of the available loan amount
S500: Determining whether to approve the loan
S600: loan contract/collateral management contract stage
S610: Loan execution stage
S650: Consignment/management of movable property security
S660: Personal property security management/DB establishment stage
S700: Step to confirm repayment when the loan repayment period arrives
S710: Steps to return movable property security
S800: Review stage of processing/disposition of personal property security
S900: Steps to sell personal property collateral online
S1000: Sales proceeds processing step

Claims (9)

In a financial institution (bank) mortgage loan system,
A customer authentication unit that performs customer registration and information management;
The movable security appraisal department, which checks information and evaluates the value of movable property security;
Contract management department that proceeds with the contract and review of movable property mortgage loans; And
A movable property security management unit that manages, utilizes, and disposes of the movable property security; Including,
The movable security management unit is provided as a separate entity contracted with the financial institution so as to manage, utilize and dispose of the movable security, and dispose of the movable security if the applicant fails to repay the movable security loan after the repayment period has reached. A movable property mortgage loan system, characterized in that.
The method of claim 1,
The personal property security management unit concludes any one of a trust contract, a lien contract, and a pledge contract for the personal property security with the financial institution, and pays the amount sold online to dispose of the personal property security to the financial institution. Mortgage mortgage loan system.
The method of claim 1,
If necessary, the movable security management unit may provide and utilize the calculated value of the movable security, including the movable security appraisal unit, to the financial institution.In order to evaluate the value, the applicant's submitted documents, check the status of the movable security, brand, A movable property security loan system, characterized in that the determination is made by referring to the year, size, color, and related information, standard market price information previously provided, loan information of the applicant, and information on arrears.
The method of claim 1,
The movable security management unit uses a system that manages the movable security in three dimensions, but accurately manages the inventory of the movable security in real time by using an OCR or QR code, and the acquired data is transmitted to the financial institution or a separate server. A movable mortgage loan system, characterized in that it can be stored, processed, and utilized through.
In a financial institution (bank) mortgage loan method,
Membership registration and verification step of the applicant for movable property security loan;
Assessing the value of the mortgage security;
Determining a loan approval and an available loan amount based on the assessed value;
Entrusting and delegating the movable property security to a movable property security management institution;
Managing the movable mortgage using OCR, QR code and 3D system and providing real-time information;
Disposing of the movable property security entrusted by the movable property security management agency when the applicant does not repay the loan even when the loan repayment period arrives; And
Transferring the disposed movable property security amount to the financial institution; A movable property security loan method comprising a.
The method of claim 5,
The personal property security management institution concludes any one of a trust contract, a lien contract, and a pledge contract for the personal property security with the financial institution, and pays the amount sold online to dispose of the personal property security to the financial institution. Characteristic of a movable property mortgage loan method.
The method of claim 5,
The above movable security management institution may provide and utilize the calculated value of the movable security to the financial institution, if necessary, and to evaluate the value, the applicant's submitted documents, check the status of the movable security, brand, year, size, color and A movable property secured loan method, characterized in that the determination is made by referring to related information, standard market price information previously provided, loan information of the applicant, and information on arrears.
The method of claim 5,
The movable security management institution uses a system that manages the movable security in three dimensions, but accurately manages the inventory of the movable security in real time by using an OCR or QR code, and the acquired data is transmitted to the financial institution or a separate server. A movable mortgage loan method, characterized in that it can be stored, processed, and utilized through.
The method of claim 8,
Transmitting, by the movable security management institution, inventory information, current location information, and processing status information of the movable security, to the financial institution and the movable security owner, and the financial institution and the movable security owner review and confirm the received information and data By further comprising the step of preventing disputes and problems during the management, utilization, processing, and disposal of the movable property security, the movable property security loan method.

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