KR20210102707A - Platfoam server for providing information of loan product and judging process and method thereof - Google Patents

Abstract

According to the present invention, a platform server which provides loan product information and a judgment process in a financial sector collects information on loan products provided by various financial sectors to provide the same to salespersons or customers, provides an optimal financial loan product service to the customers by efficiently connecting the financial sector and salespersons by collecting and providing information on the loan judgment process conducted in the financial sector. The present invention includes: a loan product information collection unit for collecting a plurality of loan product information from a financial server; a mapping unit which analyzes conditions constituting the loan product and maps the categorized metadata; a database storing the loan product information to which metadata is mapped; and a filtering unit for filtering the loan products mapped with the metadata of a category in the database and providing the same to a salesperson terminal; and a judgment process providing unit which provides judgment process to the salesperson terminal.

Description

Platform server and method for providing loan product information and examination process in the financial sector

The present invention relates to a platform server and method for providing loan product information and review process in the financial sector, and more particularly, collects information on loan products provided by various financial sectors and provides it to salespeople or customers, and provides information on loan products in the financial sector It relates to a platform server and method for providing loan product information and review process in the financial sector that provides optimal financial loan product service to customers by efficiently connecting the financial sector and salespeople by collecting and providing information about the financial sector.

In modern society, the loan business of the financial sector, such as banks and credit companies, occupies an important part, and the financial sector's revenue is typically generated from the loan business.

In particular, as the wholesale and retail lending has been actively carried out in the second financial sector in recent years, secondary financial companies are making great efforts to discover loan applicants. Because it is difficult to understand, a salesperson who directly explains loan products to customers and connects customers with the financial sector is helping the loan applicant and the financial sector conclude a contract.

However, referring to FIG. 1 , the existing loan products and processes of the second financial sector have difficulties in that the salesperson has to collect numerous loan product information of the second financial sector step by step, and the loan review through the salesperson is different from that of the second financial sector. Since the step of going through the loan review manager is included, there is a problem that it takes a lot of time and has to go through complicated steps to deliver the review process to customers.

In addition, sales personnel must quickly and accurately deliver not only loan information but also loan review progress to customers. Loan delays can sometimes occur, making it impossible to get the required amount of loan on time.

Accordingly, the present invention intends to present embodiments capable of solving the above-described problems.

Korean Patent Laid-Open Publication No. 10-2004-0052786: Loan sales system and method using the Internet

The problem to be solved in the embodiment of the present invention is that because the loan examination through the existing salesperson includes the step of going through the loan examination manager from the financial sector, it takes a lot of time and requires a lot of time to pass the examination process to customers. We want to solve the problem.

In addition, since there are numerous loan products in the products of multiple financial institutions, it solves the problem that salespeople who need to collect a lot of information quickly may convey wrong information to customers or recommend products that do not fit the customer's situation want to

In addition, sales personnel must quickly and accurately deliver not only loan information but also loan review progress to customers. to provide the skills to

However, the technical problems to be achieved by the embodiments of the present invention are not limited to the above-mentioned problems, and various technical problems can be derived from the contents to be described below within the scope obvious to those skilled in the art.

The financial sector loan product information and screening process providing platform server according to an embodiment of the present invention includes a loan product information collection unit that collects a plurality of loan product information from a financial sector server, a meta categorization by analyzing the conditions constituting the loan product When a mapping unit for mapping data, a database storing loan product information to which the metadata is mapped, and a salesperson terminal connecting a loan product to a customer request a loan product search for a predetermined category, metadata of the category and a filtering unit for filtering loan products mapped to and providing to the salesperson terminal and a screening process for receiving examination process information of a loan proceeded by the financial sector server and providing the examination process information to the salesperson terminal includes provision.

In addition, the platform server may further include a bulletin board activation unit for activating a community bulletin board capable of posting advertisements through the salesperson terminal on a platform provided by the platform server.

In addition, the platform server may further include a banner activation unit for activating a banner for the financial sector server to publish a loan advertisement for the financial sector on the platform provided by the platform server.

In addition, the platform server may further include a payment unit that provides a payment service under the condition that leads to a loan of a customer terminal from the bulletin board or the banner.

In addition, in response to a customer terminal needing a loan requesting a loan product search for a predetermined category, the platform server filters the loan product mapped with the metadata of the category from the database and provides it to the customer terminal, It may further include a loan execution unit that directly executes the loan by collecting the customer information.

Also, the loan execution unit may store the customer information in the database, and link the customer information with an insurance sales service based on the stored customer information.

A method for providing loan product information and screening process in the financial sector according to an embodiment of the present invention includes the steps of collecting a plurality of loan product information from a financial sector server, analyzing the conditions constituting the loan product and mapping the categorized metadata , storing loan product information to which the metadata is mapped in a database; as a salesperson terminal connecting a loan product to a customer requests a loan product search for a predetermined category, a loan mapped with the metadata of the category Filtering the product from the database and providing the product to the salesperson terminal through an internet platform, receiving information on the examination process of the loan proceeded by the financial sector server, and providing the examination process information to the salesperson terminal do.

In addition, the method may further include activating a community bulletin board capable of posting advertisements on the platform through the salesperson terminal.

In addition, the method may further include the step of activating a banner on the platform for the financial sector server to post a loan advertisement of the financial sector.

In addition, the method may further include the step of providing a payment service on a condition that leads to a loan of the customer terminal from the bulletin board or the banner.

In addition, in the method, when a customer terminal in need of a loan requests a loan product search for a predetermined category, the loan product mapped with the metadata of the category is filtered from the database and provided to the customer terminal, It may further include the step of directly executing a loan by collecting customer information.

In addition, the method may include, after the step of directly executing the loan, storing the customer information in the database, and linking with the insurance sales service based on the stored customer information.

The platform server according to an embodiment of the present invention may collect and provide all loan products in the financial sector through an operator. Accordingly, it is possible to quickly provide information whenever a new loan product in the financial sector is released, thereby reducing the hassle of salespeople having to collect loan products directly.

In addition, the platform server according to the present embodiment creates a direct messenger between the second financial institution and the salesperson to quickly check the loan product and loan review process.

In addition, the platform of the platform server according to this embodiment can generate revenue by charging content through the development of websites and applications, and can generate revenue by activating loan banners in the financial sector.

In addition, various effects directly or indirectly identified through this document may be provided.

1 is an exemplary diagram showing the entities constituting the existing financial sector loan system.
2 is an exemplary diagram of an operation performed by a platform server according to an embodiment of the present invention.
3 is an exemplary diagram of the operation of the platform server interacting with the financial sector server and the salesperson terminal according to an embodiment of the present invention.
4 is an exemplary diagram of an operation of a platform server interacting with a financial server, a salesperson terminal, and a customer terminal according to an embodiment of the present invention.
5 is an exemplary diagram of an operation of the platform server interacting with a financial server, a salesperson terminal, a first customer terminal, and a second customer terminal according to an embodiment of the present invention.

Advantages and features of the present invention, and a method of achieving them will become apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but can be implemented in various forms, only these embodiments make the disclosure of the present invention complete, and 　 with ordinary knowledge in the art to which the present invention belongs It is provided to fully inform the person of the scope of the invention, and the scope of the present invention is only defined by the claims.

In describing the embodiments of the present invention, detailed descriptions of well-known functions or configurations will be omitted except when it is actually necessary to describe the embodiments of the present invention. In addition, the terms to be described later are terms defined in consideration of functions in an embodiment of the present invention, which may vary according to intentions or customs of users and operators. Therefore, the definition should be made based on the content throughout this specification.

The functional blocks shown in the drawings and described below are merely examples of possible implementations. Other functional blocks may be used in other implementations without departing from the spirit and scope of the detailed description. Also, although one or more functional blocks of the present invention are represented as separate blocks, one or more of the functional blocks of the present invention may be combinations of various hardware and software configurations that perform the same function.

In addition, the expression including certain components is an open expression and merely refers to the existence of the corresponding components, and should not be construed as excluding additional components.

Furthermore, when a component is referred to as being connected or connected to another component, it may be directly connected or connected to the other component, but it should be understood that another component may exist in the middle.

In addition, expressions such as 'first, second', etc. are used only for distinguishing a plurality of components, and do not limit the order or other characteristics between the components.

1 is an exemplary diagram showing the entities constituting the existing financial sector loan system.

Referring to Figure 1, the existing loan products and processes in the financial sector have difficulties in that the salesperson must collect numerous loan product information in the financial sector step by step. Because it is included, there is a problem that it takes a lot of time and needs to go through complicated steps to deliver the screening process to customers.

In addition, sales personnel need to quickly and accurately deliver not only loan information but also loan review progress to customers. As these loan review progress must be resolved individually through the financial sector or loan review manager, loan delays to loan applicants who need a loan urgently This can lead to problems where you cannot get the loan you need on time.

Hereinafter, embodiments that can solve the above-described problem with reference to FIGS. 2 to 5 are presented.

2 is an exemplary diagram of an operation performed by a platform server according to an embodiment of the present invention.

Referring to FIG. 2, the platform server collects loan product information of the financial sector and provides loan product information to the salesperson terminal or customer terminal, and activates advertisements on the platform provided by the platform server to provide useful information to customers. The operation of allowing the inflow and salesperson to build their own advertisements or postings, and the operation of providing loan integration information (Botal) so that the customer can directly access the customer terminal and execute a loan from the platform provided by the platform server can be done

3 is an exemplary diagram of the operation of the platform server interacting with the financial sector server and the salesperson terminal according to an embodiment of the present invention.

Referring to FIG. 3 , the platform server may collect customer DB and loan information in a relationship with the server in the financial sector, and may provide financial sector loan advertisements or loan product information to users of the platform. The platform server may provide information on loan products in the financial sector in relation to the salesperson terminal, and may generate revenue by receiving a usage fee accordingly. Accordingly, the salesperson using the platform can provide loan information to customers who want to use the loan and guide the examination status.

At this time, the platform server collects loan product information whenever a loan product is released from the financial sector server, and creates a direct messenger between the financial sector server and the salesperson terminal to quickly check the progress of the loan product and the review process.

4 is an exemplary diagram of an operation of a platform server interacting with a financial server, a salesperson terminal, and a customer terminal according to an embodiment of the present invention.

Referring to FIG. 4 , the platform server may collect customer DB and loan information in relation to the financial sector server, and may provide financial sector loan advertisements or loan product information to users of the platform. The platform server may receive a usage fee by providing loan product information of the financial sector in relation to the salesperson terminal, and may provide advertisements or bulletin boards that can expose individual salesperson advertisements to customers. Accordingly, the platform server may provide information services such as loan-related contents or community bulletin boards to customer terminals accessing the platform.

5 is an exemplary diagram of an operation in which the platform server interacts with a financial server, a salesperson terminal, a first customer terminal, and a second customer terminal according to an embodiment of the present invention.

Referring to FIG. 5 , the platform server may collect customer DB and loan information in a relationship with the server in the financial sector, and may provide financial sector loan advertisements or loan product information to users of the platform. The platform server may receive a usage fee by providing loan product information of the financial sector in relation to the salesperson terminal, and may provide advertisements or bulletin boards that can expose individual salesperson advertisements to customers. Accordingly, the platform server may provide information services such as loan-related contents or community bulletin boards to customer terminals accessing the platform.

In addition, the platform server provides the customer with information that directly compares multiple loan products so that the customer can directly execute the loan. can generate revenue.

The above-described embodiments of the present invention may be implemented through various means. For example, embodiments of the present invention may be implemented by hardware, firmware, software, or a combination thereof.

In the case of implementation by hardware, the method according to embodiments of the present invention may include one or more Application Specific Integrated Circuits (ASICs), Digital Signal Processors (DSPs), Digital Signal Processing Devices (DSPDs), and Programmable Logic Devices (PLDs). , FPGAs (Field Programmable Gate Arrays), processors, controllers, microcontrollers, microprocessors, and the like.

In the case of implementation by firmware or software, the method according to the embodiments of the present invention may be implemented in the form of a module, procedure, or function that performs the functions or operations described above. A computer program in which a software code or the like is recorded may be stored in a computer-readable recording medium or a memory unit and driven by a processor. The memory unit may be located inside or outside the processor, and may send and receive data to and from the processor by various known means.

Also, combinations of each block in the block diagram attached to the present invention and each step in the flowchart may be performed by computer program instructions. These computer program instructions may be embodied in an encoding processor of a general purpose computer, special purpose computer, or other programmable data processing equipment, such that the instructions executed by the encoding processor of the computer or other programmable data processing equipment may correspond to each block of the block diagram or Each step of the flowchart creates a means for performing the functions described. These computer program instructions may also be stored in a computer-usable or computer-readable memory which may direct a computer or other programmable data processing equipment to implement a function in a particular manner, and thus the computer-usable or computer-readable memory. The instructions stored in the block diagram may also produce an item of manufacture containing instruction means for performing the functions described in each block in the block diagram or in each step in the flowchart. The computer program instructions may also be mounted on a computer or other programmable data processing equipment, such that a series of operational steps are performed on the computer or other programmable data processing equipment to create a computer-executed process to create a computer or other programmable data processing equipment. It is also possible that instructions for performing the processing equipment provide steps for carrying out the functions described in each block of the block diagram and each step of the flowchart.

In addition, each block or each step may represent a module, segment, or part of code including one or more executable instructions for executing a specified logical function. It should also be noted that in some alternative embodiments it is also possible for the functions recited in blocks or steps to occur out of order. For example, it is possible that two blocks or steps shown one after another may in fact be performed substantially simultaneously, or that the blocks or steps may sometimes be performed in the reverse order according to the corresponding function.

As such, those skilled in the art to which the present invention pertains will understand that the present invention may be embodied in other specific forms without changing the technical spirit or essential characteristics thereof. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. The scope of the present invention is indicated by the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be construed as being included in the scope of the present invention. .

Claims (14)

Loan product information collecting unit for collecting a plurality of loan product information from the financial server;
a mapping unit that analyzes the conditions constituting the loan product and maps the categorized metadata;
a database storing loan product information to which the metadata is mapped;
a filtering unit for filtering loan products mapped with metadata of the category from the database in response to a salesperson terminal connecting a loan product to a customer requesting a loan product search for a predetermined category and providing to the salesperson terminal; and
Comprising a review process providing unit for receiving the review process information of the loan proceeded by the financial server server and providing the review process information to the salesperson terminal,
A platform server that provides loan product information and review process in the financial sector.
According to claim 1,
The platform server,
Further comprising a bulletin board activation unit for activating a community bulletin board that can post advertisements through the salesperson terminal on the platform provided by the platform server,
A platform server that provides loan product information and review process in the financial sector.
3. The method of claim 2,
The platform server,
In the platform provided by the platform server, the financial sector server further comprises a banner activation unit for activating a banner to publish a loan advertisement of the financial sector,
A platform server that provides loan product information and review process in the financial sector.
4. The method of claim 3,
The platform server,
Further comprising a payment unit that provides a payment service on the condition that leads to a loan of a customer terminal from the bulletin board or the banner,
A platform server that provides loan product information and review process in the financial sector.
According to claim 1,
The platform server,
When a customer terminal in need of a loan requests a loan product search for a predetermined category, the database provides the loan product mapped with the metadata of the category to the customer terminal, and collects the customer information Further comprising a loan execution unit to directly execute the loan,
A platform server that provides loan product information and review process in the financial sector.
According to claim 1,
The loan execution unit,
Storing the customer information in the database and linking with the insurance sales service based on the stored customer information,
A platform server that provides loan product information and review process in the financial sector.
Collecting a plurality of loan product information from a financial server;
mapping the categorized metadata by analyzing the conditions constituting the loan product;
storing loan product information to which the metadata is mapped in a database;
When a salesperson terminal that connects a loan product to a customer requests a loan product search for a predetermined category, the database is filtered with the metadata of the category and the mapped loan product and provided to the salesperson terminal through the Internet platform to do; and
Receiving information on the examination process of the loan proceeded by the financial server server, comprising the step of providing the examination process information to the salesperson terminal,
How to provide information on loan products in the financial sector and the screening process.
8. The method of claim 7,
The method is
Further comprising the step of activating a community bulletin board that can post advertisements through the salesperson terminal on the platform,
How to provide information on loan products in the financial sector and the screening process.
9. The method of claim 8,
The method is
Further comprising the step of activating a banner for the financial sector server to publish a loan advertisement for the financial sector on the platform,
How to provide information on loan products in the financial sector and the screening process.
10. The method of claim 9,
The method is
Further comprising the step of providing a payment service on the condition that leads to the loan of the customer terminal from the bulletin board or the banner,
How to provide information on loan products in the financial sector and the screening process.
8. The method of claim 7,
The method is
When a customer terminal in need of a loan requests a loan product search for a predetermined category, the database provides the loan product mapped with the metadata of the category to the customer terminal, and collects the customer information further comprising the step of directly executing a loan by
How to provide information on loan products in the financial sector and the screening process.
8. The method of claim 7,
After executing the direct loan,
Storing the customer information in the database, comprising the step of linking with an insurance sales service based on the stored customer information,
How to provide information on loan products in the financial sector and the screening process.
13. A computer-readable recording medium having a computer program recorded thereon, comprising instructions for causing a processor to perform the method of any one of claims 7 to 12.
A computer program stored in a computer-readable recording medium for causing a processor to perform the method of any one of claims 7 to 12.

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