KR20220079761A - Method for providing agreement loan qualification verification service based on block chain - Google Patents

Abstract

A blockchain-based contract loan qualification verification service providing method is disclosed. The block chain-based agreement loan qualification verification service providing method of the present invention includes the steps of: generating, by an institution server, qualification information according to an agreement loan application from an applicant terminal and transmitting it to the service server; storing, by the service server, the entitlement information received from the institution server; transmitting, by the institution server, inquiry information for entitlement information inquiry to the applicant terminal; And when the service server receives the inquiry information from the branch terminal and receives a request for inquiry of qualification information, it is characterized in that it includes the step of determining whether a loan agreement is possible by inquiring the qualification information through the inquiry information.

Description

How to provide a blockchain-based contract loan qualification verification service

The present invention relates to a block chain-based contract loan qualification verification service providing method, and more particularly, stores the qualification information of an applicant for a contract loan application in a block chain node, and then receives a contract loan application, the qualification stored in the block chain node It relates to a method of providing a blockchain-based contract loan qualification verification service that determines whether an applicant is eligible for a contract loan by inquiring information.

The entity holding funds, such as a financial institution, lends money to customers who need it at a predetermined interest rate, lends money, and receives interest on the loan amount according to the set interest rate. In addition, the credit donor who performed the loan of money collects the principal amount of the loan from the borrower after a set period with the borrower has elapsed. It is important for creditors to preserve their bonds by making sure that the payment of the fixed amount of interest during the loan period is done without arrears, and that the principal of the loan is recovered after the loan period is over. Therefore, it is very important for creditors to evaluate and select a borrower who can ensure smooth maintenance of their receivables before issuing a loan. As a result of this evaluation, the loan amount and interest rate to the borrower may be determined.

On the other hand, a loan agreement is a loan method in which a loan agreement is concluded between a specific institution and a financial institution, and the financial institution executes a loan if it meets certain requirements for members of the institution.

In the contract loan, the member prints the loan application (document confirmation number and verification number) or loan application related information (retirement amount or loan repayment date, etc.) and submits it to the financial institution in order to apply for the contract loan.

Financial institutions access the webpage of the contracting institution, verify the authenticity of the information in the application or information, and proceed with the examination according to the verification result before issuing the loan.

However, in the conventional method described above, a member must print an application or loan application-related information to apply for a loan, and in a financial institution, the person in charge directly accesses the website of the institution and manually checks the authenticity of the application or information. There was trouble.

The background technology of the present invention is disclosed in 'Personal Credit Loan Service Method Using the Internet' of Korean Patent Application Laid-Open No. 10-2001-0079347 (Aug. 22, 2001).

The present invention was created to improve the above problems, and an object according to one aspect of the present invention is to store the qualification information of an applicant for a contract loan application in a block chain network, and then store it in a block chain node when applying for a contract loan The purpose of this is to provide a method of providing a blockchain-based contract loan qualification verification service that determines whether an applicant is eligible for a contract loan by inquiring qualification information.

A block chain-based contract loan qualification verification service providing method according to an aspect of the present invention includes the steps of generating, by an institution server, qualification information according to a contract loan application from an applicant terminal and transmitting it to the service server; storing, by the service server, the entitlement information received from the institution server; transmitting, by the institution server, inquiry information for entitlement information inquiry to the applicant terminal; And when the service server receives the inquiry information from the branch terminal and receives a request for inquiry of the qualification information, it characterized in that it comprises the step of determining whether a loan agreement is possible by inquiring the qualification information through the inquiry information.

The qualification information of the present invention includes at least one of the personal information of the contract loan applicant, affiliated institution, tenure, document confirmation number, inquiry number, expected severance pay, loan application amount, outstanding balance, loan use, loan type, and recommendation letter output history. characterized by including.

In the step of the service server of the present invention storing the entitlement information received from the institution server, the service server is characterized in that it stores the entitlement information in a block chain node.

The inquiry information of the present invention is characterized in that it includes a qualification number for identifying the contract loan.

In the step of determining whether the contract loan of the present invention is possible, when the inquiry information is received from the branch terminal and the qualification information inquiry is requested, the service server according to the qualification information inquiry request from the branch terminal It is characterized by generating response information by inquiring the qualification information through inquiry information, and transmitting the generated response information to the branch terminal.

The step of determining whether the loan agreement of the present invention is possible, the service server is characterized in that it further comprises the step of transmitting the response information to the applicant terminal.

The institution server of the present invention encrypts the entitlement information and transmits it to the service server through an open Internet protocol.

The block chain-based agreement loan qualification verification service providing method according to an aspect of the present invention stores the qualification information of the applicant for the agreement loan application in the block chain node, and then receives the agreement loan application, the qualification information registered in the block chain node It is possible to determine whether the applicant is eligible for an agreement loan by inquiring.

The blockchain-based contract loan qualification verification service providing method according to another aspect of the present invention can improve the customer convenience of the loan service by digitizing the contract loan business, simplify the branch back office, and reduce the paper archive management cost.

The blockchain-based contract loan qualification verification service providing method according to another aspect of the present invention can secure the transparency, stability and complementarity of the qualification information by storing the qualification information in the blockchain node.

1 is a block diagram of an apparatus for providing a contract loan qualification verification service based on a block chain according to an embodiment of the present invention.
2 is a block diagram of an institution server according to an embodiment of the present invention.
3 is a block diagram of a service server according to an embodiment of the present invention.
4 is a flowchart of a block chain-based contract loan qualification verification service providing method according to an embodiment of the present invention.

Hereinafter, a block chain-based contract loan qualification verification service providing method according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. In this process, the thickness of the lines or the size of the components shown in the drawings may be exaggerated for clarity and convenience of explanation. In addition, the terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and operators. Therefore, definitions of these terms should be made based on the content throughout this specification.

1 is a block diagram of an apparatus for providing an agreement loan service according to an embodiment of the present invention, FIG. 2 is a block diagram of an institution server according to an embodiment of the present invention, and FIG. 3 is an embodiment of the present invention It is a block diagram of the service server according to

Referring to FIG. 1 , an apparatus for providing a loan agreement service according to an embodiment of the present invention includes an applicant terminal 10 , an institution server 20 , a service server 30 , and a branch terminal 40 .

A contract loan is a credit loan issued to a member through an agreement between a financial institution and a specific institution.

The institution may be, for example, the Civil Service Pension Service, and the member may be a public official. The contents of the contract loan, institutions or members are not particularly limited.

The applicant terminal 10 is a terminal of an applicant who applies for an agreement loan among members. The applicant terminal 10 may access a web page for providing a contract loan service provided by the institution server 20 and apply for a contract loan to the institution server 20 according to the request of the applicant.

In this case, the applicant may log in to the web page using the applicant terminal 10 and click a button for generating qualification information provided on the web page.

On the other hand, the applicant terminal 10 may receive and store and output the qualification information from the institution server 20 when the qualification information is transmitted to the service server 30 by the institution server 20 .

The qualification information is information for determining whether the applicant is a person who has the qualification to execute the contract loan. The entitlement information is generated in the institution server 20 and is stored in the blockchain node in the service server 30 .

Qualification information stored in the service server 30 includes personal information of the contracted loan applicant, affiliated institution, tenure of office, document confirmation number, inquiry number, expected severance pay, loan application amount, outstanding balance, loan use, loan type, recommendation letter output history may be included. The qualification information is not limited to the above embodiment, and any information capable of verifying the applicant's qualifications may be included.

Inquiry information is information given to the applicant who applied for the contract loan, so that it can be confirmed whether the applicant is a true applicant. Inquiry information is essential information that must be entered when inquiring about qualification information for applying for an agreement loan. The inquiry information may include, but is not limited to, an inquiry number.

The inquiry information is transmitted from the institution server 20 to the applicant terminal 10 after the qualification information is transmitted to the service server 30 .

On the other hand, the applicant terminal 10 transmits and receives various types of information, messages, or signals to and from the institution server 20 and the service server 30, and is equipped with various processors therein to process various types of information. . The applicant terminal 10 may include, but is not limited to, a smart terminal, a personal computer, or a laptop computer.

The institution server 20 operates a web page for providing an agreement loan service. The institution server 20 generates entitlement information when a contract loan application is received from the applicant terminal 10, encrypts the generated entitlement information, and transmits it to the service server 30 through an open Internet protocol.

Referring to FIG. 2 , the institution server 20 includes a web server 21 and an entitlement information generating unit 22 .

The web server 21 operates a web page for providing an agreement loan service. The web server 21 provides a web page through the applicant terminal 10, and in this case, receives login information and authenticates the applicant.

Then, the web server 21 displays a button for generating qualification information through the web page, and at this time, the applicant terminal 10 clicks the corresponding button to apply for an agreement loan.

As described above, when the button for generating qualification information is clicked, that is, when an application for a contract loan is received, the qualification information generation unit 22 generates qualification information based on the previously stored personal information of the applicant.

In this case, the qualification information generating unit 22 may additionally receive loan-related information necessary for generating the qualification information from the applicant terminal 10 in addition to the applicant's personal information.

Qualification information may include personal information, affiliated institution, tenure of office, document confirmation number, inquiry number, expected severance pay, loan application amount, outstanding balance, loan use, loan type, and recommendation letter printing history.

As described above, when the applicant's personal information or loan-related information is collected, the qualification information generating unit 22 encrypts the full text including the qualification information using the AES-128 dynamic encryption technique, and encrypts the qualification information using the open Internet protocol. through to the service server 30 .

At this time, the qualification information generating unit 22 selects a hash function after masking the de-identification value, that is, the personal information of the contract loan applicant (applicant's name, date of birth, name, and phone number), affiliated organization, tenure of office, document confirmation number , inquiry number, expected severance pay, loan application amount, outstanding balance, loan purpose, loan type, recommendation letter print history, etc. are encrypted.

The encryption method of the credential information generating unit 22 is not limited to the above-described embodiment, and various encryption methods may be selected and used as necessary.

In addition, the institution server 20 transmits the inquiry information to the applicant terminal 10 after transmitting the qualification information to the service server 30 as described above. Accordingly, the applicant can be verified that he or she is eligible for the contract loan by presenting the inquiry information output through the applicant terminal 10 to the person in charge of the branch.

The service server 30 receives the qualification information from the institution server 20, stores it in the block chain node, inquires the qualification information according to the qualification information inquiry request from the branch terminal 40, and sends the result to the branch terminal 40 transmit

Referring to FIG. 3 , the service server 30 includes an entitlement information processing unit 31 , an entitlement information storage unit 32 , and an entitlement information inquiry unit 33 .

The entitlement information storage unit 32 is equipped with a block chain platform and stores entitlement information in the block chain node. By storing qualification information in the blockchain node, transparency, stability and complementarity of qualification information can be secured. Storing information based on a block chain is obvious to those skilled in the art, and a detailed description thereof will be omitted herein.

The qualification information inquiry unit 33 inquires the qualification information according to the qualification information inquiry request from the branch terminal 40 . In this case, the qualification information inquiry unit 33 compares the inquiry number received from the branch terminal 40 with the qualification information.

That is, the qualification information inquiry unit 33 selects a hash function after masking the de-identified value (personal information of the applicant) among the qualification information stored by the qualification information storage unit 32, and includes the affiliated institution, tenure period, document confirmation number, The inquiry number, the expected severance pay, the loan application amount, the outstanding balance, the loan use, the loan type, the recommendation letter output history, etc. are detected, and it is determined whether the inquiry number transmitted from the branch terminal 40 exists.

In this case, depending on whether the inquiry number received from the branch terminal 40 exists, the qualification information inquiry unit 33 generates response information on whether a contract loan is possible and delivers the generated response information to the branch terminal 40 . do. Qualification information inquiry unit 33 generates response information indicating that the contract loan is possible if the inquiry number transmitted from the branch terminal 40 exists, and if the inquiry number delivered from the branch terminal 40 does not exist, the contract loan is impossible to generate response information.

The qualification information processing unit 31 stores the qualification information through the qualification information storage unit 32 when receiving the qualification information from the institution server 20 .

After that, when receiving a request for inquiry of qualification information from the branch terminal 40, the qualification information processing unit 31 inquires the qualification information through the qualification information inquiry unit 33, and returns the response information generated according to the result of the qualification information inquiry to the branch It is transmitted to the terminal 40 or the applicant terminal 10 .

The branch terminal 40 is provided at the branch of a financial institution, receives the applicant's inquiry information, and transmits the inquiry information to the service server 30 to request qualification information inquiry. Thereafter, the branch terminal 40 receives and outputs response information from the service server 30 , so that the person in charge of the contract loan of the financial institution can recognize whether the applicant can obtain the contract loan.

Hereinafter, a block chain-based contract loan qualification verification service providing method according to an embodiment of the present invention will be described in detail with reference to FIG. 4 .

4 is a flowchart of a block chain-based contract loan qualification verification service providing method according to an embodiment of the present invention.

Referring to FIG. 4 , first, the institution server 20 provides a web page through the applicant terminal 10 by operating a web page for providing an agreement loan service (S10). In this case, the institution server 20 receives login information from the applicant terminal 10 and authenticates the applicant.

In this case, the web server 21 displays a button for generating qualification information through a web page in a state in which the applicant is logged in (S12), and when clicked by the applicant terminal 10, requests creation of the qualification information (S14) ).

When the button for generating entitlement information is clicked as described above, the institution server 20 generates entitlement information (S16), and transmits the generated entitlement information to the service server 30 (S18).

In this case, when the institutional server 20 collects the applicant's personal information or loan-related information, it encrypts the full text including the qualification information using the AES-128 dynamic encryption technique, and provides the service through the open Internet protocol. transmitted to the server 30 .

The service server 30 stores the entitlement information received from the institution server 20 in the block chain node (S20). In this way, since the service server 30 stores the entitlement information based on the block chain, transparency, stability and complementarity of the entitlement information can be secured.

The agency server 20 transmits the inquiry information to the applicant terminal 10 as the qualification information is delivered to the service server 30 as described above (S22), and the applicant terminal 10 stores the inquiry information (S24).

At this time, the applicant has the applicant terminal 10, visits the branch, outputs inquiry information, and presents it to the branch manager.

The branch manager inputs inquiry information to the branch terminal 40 (S26), and requests a qualification information inquiry to the service server 30 (S28).

Accordingly, the service server 30 generates response information by inquiring the qualification information using the inquiry number received from the branch terminal 40 (S30).

At this time, the service server 30 masks the de-identified value (personal information of the applicant) among the qualification information and selects it as a hash function to select the affiliated institution, tenure of office, document confirmation number, inquiry number, severance pay estimate, loan application amount, and outstanding balance. , loan use, loan type, recommendation letter output history, etc., determine whether the inquiry number received from the branch terminal 40 exists, and generate response information on whether a contract loan is possible according to the determination result, then the generated response information to the branch terminal 40 . At this time, the service server 30 generates response information indicating that the contract loan is possible if the inquiry number transmitted from the branch terminal 40 exists, and if the inquiry number transmitted from the branch terminal 40 does not exist, the contract loan is impossible to generate response information.

Next, the service server 30 transmits the response information to the branch terminal 40 ( S32 ), and the branch terminal 40 outputs the response information received from the service server 30 . Accordingly, the person in charge of the contract loan of the financial institution can recognize whether the applicant can obtain the contract loan.

Meanwhile, in the above process, the service server 30 may also transmit response information to the applicant terminal 10 .

As such, in the block chain-based agreement loan qualification verification service providing method according to an embodiment of the present invention, the qualification information of the applicant for the agreement loan application is stored in the block chain node, and after receiving the agreement loan application, the It is possible to determine whether the applicant is eligible for the contract loan by inquiring the qualification information.

In addition, the block chain-based contract loan qualification verification service providing method according to an embodiment of the present invention improves customer convenience of loan services by digitizing the contract loan business, simplifies the back office work of branches, and reduces paper document storage management costs. can

In addition, the blockchain-based contract loan qualification verification service providing method according to an embodiment of the present invention can secure the transparency, stability and complementarity of the qualification information by storing the qualification information in the blockchain node.

Implementations described herein may be implemented in, for example, a method or process, an apparatus, a software program, a data stream, or a signal. Although discussed only in the context of a single form of implementation (eg, discussed only as a method), implementations of the discussed features may also be implemented in other forms (eg, as an apparatus or program). The apparatus may be implemented in suitable hardware, software and firmware, and the like. A method may be implemented in an apparatus such as, for example, a processor, which generally refers to a computer, a microprocessor, a processing device, including an integrated circuit or programmable logic device, or the like. Processors also include communication devices such as computers, cell phones, portable/personal digital assistants (“PDA”) and other devices that facilitate communication of information between end-users.

Although the present invention has been described with reference to the embodiment shown in the drawings, this is merely exemplary, and it is understood that various modifications and equivalent other embodiments are possible by those of ordinary skill in the art. will understand Accordingly, the true technical protection scope of the present invention should be defined by the following claims.

10: applicant terminal 20: institution server
21: web server 22: credential information generating unit
30: service server 31: entitlement information processing unit
32: qualification information storage unit 33: qualification information inquiry unit
40: branch terminal

Claims (7)

generating, by the institution server, entitlement information according to the loan agreement application from the applicant terminal and transmitting it to the service server;
storing, by the service server, the entitlement information received from the institution server;
transmitting, by the institution server, inquiry information for entitlement information inquiry to the applicant terminal; and
When the service server receives the inquiry information from the branch terminal and receives a request for inquiry of the qualification information, a block chain-based agreement loan qualification comprising the step of determining whether an agreement loan is possible by inquiring the qualification information through the inquiry information How to provide verification services. According to claim 1, wherein the qualification information
Block comprising at least one of the personal information of the contract loan applicant, affiliated institution, tenure, document confirmation number, inquiry number, expected severance pay, loan application amount, outstanding balance, loan use, loan type, and recommendation letter output history A method of providing a chain-based contract loan qualification verification service. According to claim 1, wherein in the step of the service server storing the entitlement information received from the institution server,
The service server is a block chain-based agreement loan qualification verification service providing method, characterized in that the storage of the qualification information in the block chain node. The method of claim 1, wherein the inquiry information is
A block chain-based contract loan qualification verification service providing method, characterized in that it includes a qualification number for identifying the contract loan. According to claim 1, wherein the step of determining whether the loan agreement is possible,
When the inquiry information is received from the branch terminal and the qualification information inquiry is requested, the service server generates response information by inquiring the qualification information through the inquiry information according to the qualification information inquiry request from the branch terminal, and , A block chain-based contract loan qualification verification service providing method, characterized in that transmitting the generated response information to the branch terminal. According to claim 5, wherein the step of determining whether the loan agreement is possible,
The block chain-based contract loan qualification verification service providing method, characterized in that it further comprises the step of the service server transmitting the response information to the applicant terminal. The method of claim 1, wherein the institution server
A block chain-based contract loan qualification verification service providing method, characterized in that the entitlement information is encrypted and transmitted to the service server through an open Internet protocol.

Images