KR20230114154A - Method for providing banking service to consent information provision and banking server using the same - Google Patents

Abstract

The present invention relates to a method for providing a banking service for consent to information provision and a banking server performing the same. The method for providing a banking service includes the steps of receiving a request for a banking service from a user terminal; receiving a first document related to a user using the user terminal; determining a second document that requires additional submission based on the first document; requesting the second document from the user terminal and receiving the second document from the user terminal; identifying data contained in the second document; confirming a person whose consent is required when using the banking service based on the first document and the second document; providing a consent procedure notification window on the user terminal to perform the consent procedure for the person; and determining whether the banking service can be provided when completing the consent procedure for the person.

Description

Method for providing banking service to consent information provision and banking server using the same}

The present invention relates to a method for providing financial services for consent to provide information and a financial server performing the same. More specifically, the present invention relates to a financial service providing method capable of automatically identifying a person requiring consent to provide information based on a document submitted by a user and providing financial services to the user with consent from the identified person.

The contents described in this part merely provide background information on the present embodiment and do not constitute prior art.

Recently, financial institutions such as banks and securities companies are providing various non-face-to-face online services to improve the convenience of customers using financial services. In particular, the emergence of internet banks is providing most of the financial services online by enabling various paperwork, which used to be carried out offline at existing financial institutions, online. At this time, the customer can conveniently submit information required by the financial institution through a financial application installed in the user terminal.

For example, in the case of recent bank mortgage loan services, as users can submit various loan-related documents without visiting a bank branch, they are evolving in a way that enables convenient and speedy loan processes.

In order to proceed with such a loan process, it may be necessary to obtain consent to provide information about the user's neighbors who have applied for a financial service in accordance with a predetermined financial policy or regulation for the corresponding loan.

At this time, there was a need for automation of the process in which financial institutions identify subjects who need consent to provide information prior to providing non-face-to-face financial services to users, and conduct non-face-to-face information provision consent procedures for the identified subjects. .

The purpose of the present invention is to quickly select those who need consent to provide information based on the documents submitted by the user, prior to examining whether or not to provide the financial service requested by the user, and to provide information consent to the selected people. This is to provide a service that can provide the applicant with a notification window capable of performing

In addition, an object of the present invention is to process various paper submissions, which had to be done offline in the past, online, so that users can enjoy financial services more easily by processing non-face-to-face information on whether or not the financial service requested by the user can be provided. To make it easy and quick to use.

The objects of the present invention are not limited to the above-mentioned objects, and other objects and advantages of the present invention not mentioned above can be understood by the following description and will be more clearly understood by the examples of the present invention. It will also be readily apparent that the objects and advantages of the present invention may be realized by means of the instrumentalities and combinations indicated in the claims.

A financial service providing method according to an embodiment of the present invention includes receiving a request for a financial service from a user terminal, receiving a first document related to a user using the user terminal, and adding an additional document based on the first document. Determining a second document that needs to be submitted, requesting the second document from the user terminal and receiving the second document from the user terminal, identifying data included in the second document, Determining a person who needs consent when using the financial service based on the first document and the second document, providing a consent procedure notification window to the user terminal to perform the consent procedure for the person, and and determining whether the financial service can be provided upon completion of the consent procedure.

In addition, the receiving of the first document includes scraping the first document related to the user through an external server linked with the financial system, and the receiving of the second document includes , Receiving the second document requested from the user terminal as an image.

In addition, the second document is a document for a related person related to the user recorded in the first document, and the step of identifying data included in the second document performs image preprocessing on the second document , identifying data included in the second document.

In addition, the step of determining the second document requiring additional submission identifies data included in the received first document, and based on this, a first customer list consisting of subjects requiring consent in the financial service review is created. and generating a second customer list composed of customers included in the first customer list and requiring submission of the second document, by using a predetermined rule.

In addition, the step of determining the second document requiring additional submission may include determining the second document requiring additional submission by comparing the document previously received from the user terminal with the second customer list. there is.

In addition, the step of determining the target person may include determining a third document requiring additional submission based on the first document and the second document and requesting the third document to the user terminal, and the third document from the user terminal. It may include receiving and identifying data included in the third document, and determining a subject for whom consent is required based on the first to third documents.

In addition, in the step of generating the first customer list or the step of generating the second customer list, each member of the household included in the first document or the second document, by using a predetermined relationship code table, the borrower and assigning a relationship code indicating a relationship of, and assigning a corresponding assignment to a 'relationship with borrower' item included in the first customer list or the second customer list based on the relationship code assigned to each member of the household. It may include assigning a value.

In addition, the providing of the consent procedure notification window may include providing the consent procedure notification window composed of a list of the target person and a button for executing the consent procedure for the target person to the user's terminal, and from the user terminal Receiving an input for the button included in the consent procedure notification window, and updating the contents of the consent procedure notification window when consent information of the subject corresponding to the button on which the input is received is received. can

In addition, the financial service includes a mortgage loan service for the user, and the first document includes an abstract of the user's resident registration, a copy of resident registration, and a family relation certificate, and the second document is the user's It may include a resident registration copy, a basic certificate, or a family relation certificate for a household-separated spouse, the user or a minor household member of the spouse.

Meanwhile, a financial server according to an embodiment of the present invention includes a processor, a memory for loading a computer program executed by the processor, and an interface for exchanging data generated during the execution of the computer program with a user terminal, the computer The program includes an operation of receiving a request for a financial service from the user terminal, an operation of receiving a first document related to a user using the user terminal, and determining a second document requiring additional submission based on the first document. operation, requesting the second document from the user terminal, receiving the second document from the user terminal, identifying data included in the second document, and selecting the first document and the second document. Based on the operation of determining a person requiring consent when using the financial service, an operation of providing a consent procedure notification window to the user terminal to perform the consent procedure for the person, and upon completion of the consent procedure for the person, the financial service It includes an operation of determining whether provision for is possible.

The method for providing financial services of the present invention, when a user uses a financial service and requires consent to provide information from a person related to the user due to a financial policy, etc., the user or the bank does not manually determine the target person Based on the submitted documents, it is possible to automatically identify the person to be consented to. In addition, the present invention can improve user convenience for the use of financial services by performing an information provision consent procedure through which consent can be obtained non-face-to-face from an identified target person through a notification window.

In addition, the financial service providing method of the present invention can automatically collect all information necessary for the user's use of the financial service in a non-face-to-face manner, thereby minimizing the resources required to determine whether the financial service can be provided. Through this, users can quickly grasp the results of whether they can use financial services, and financial institutions can provide corresponding financial services to many users at the same time, maximizing work efficiency and profits.

In addition, the financial service providing method of the present invention can handle various paper submissions online, which users or banks had to proceed offline in the prior art. Therefore, the present invention can improve the convenience of customers using financial services and reduce the need for offline branch operation, thereby minimizing the bank's operating costs and improving operating profits.

In addition to the above description, specific effects of the present invention will be described together while explaining specific details for carrying out the present invention.

1 is a conceptual diagram illustrating a financial system performing a method of providing financial services for consent to provide information according to some embodiments of the present invention.
2 is a flowchart schematically illustrating a financial service providing method according to some embodiments of the present invention.
FIG. 3 is a flowchart illustrating a specific embodiment of the financial service providing method of FIG. 2 .
FIG. 4 is a diagram for explaining an example of the financial service providing method of FIG. 2 .
FIG. 5 is a diagram for explaining another example of the financial service providing method of FIG. 2 .
6 to 8 are diagrams for explaining the operation of the financial service providing method of FIG. 5 by way of example.
9 and 10 are views for illustratively explaining a procedure for obtaining consent from a person subject to consent using a consent procedure notification window in a financial service providing method according to an embodiment of the present invention.
11 is a diagram for explaining a hardware configuration of a financial system that performs a financial service providing method according to some embodiments of the present invention.
12 is a diagram for explaining a hardware configuration of a financial server that performs a financial service providing method according to some embodiments of the present invention.

Terms or words used in this specification and claims should not be construed as being limited to a general or dictionary meaning. According to the principle that an inventor may define a term or a concept of a word in order to best describe his/her invention, it should be interpreted as meaning and concept consistent with the technical spirit of the present invention. In addition, the embodiments described in this specification and the configurations shown in the drawings are only one embodiment in which the present invention is realized, and do not represent all of the technical spirit of the present invention, so they can be replaced at the time of the present application. It should be understood that there may be many equivalents and variations and applicable examples.

Terms such as first, second, A, and B used in this specification and claims may be used to describe various components, but the components should not be limited by the terms. These terms are only used for the purpose of distinguishing one component from another. For example, a first element may be termed a second element, and similarly, a second element may be termed a first element, without departing from the scope of the present invention. The term 'and/or' includes a combination of a plurality of related recited items or any one of a plurality of related recited items.

Terms used in this specification and claims are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly dictates otherwise. It should be understood that terms such as "include" or "having" in this application do not exclude in advance the possibility of existence or addition of features, numbers, steps, operations, components, parts, or combinations thereof described in the specification. .

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs.

Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related art, and unless explicitly defined in the present application, they should not be interpreted in an ideal or excessively formal meaning. don't

In addition, each configuration, process, process or method included in each embodiment of the present invention may be shared within a range that does not contradict each other technically.

Hereinafter, with reference to FIGS. 1 to 12, a financial service providing method for consent to provide information according to an embodiment of the present invention and a financial system performing the same will be described in detail.

1 is a conceptual diagram illustrating a financial system performing a method of providing financial services for consent to provide information according to some embodiments of the present invention.

Referring to FIG. 1 , a financial system 100 according to some embodiments of the present invention may operate in association with a user terminal 200 and an external server 300 through a communication network 400 . The financial system 100 becomes a subject performing the financial service providing method according to some embodiments of the present invention.

At this time, the financial system 100 may be composed of a plurality of servers and databases according to functions. For example, the financial system 100 may be divided into a financial server 110 and an OCR server 120 according to functions, and a database 130 for storing and managing customer data may be provided separately. Here, each of the servers constituting the financial system 100 may be composed of two or more servers that are physically separated, or may be composed of an integrated device and internally divided into modules for each function and operated.

The user terminal 200 refers to a terminal of a customer using an online financial process provided by the financial system 100 . Hereinafter, for convenience of explanation, all operations performed by a customer (or user) through the user terminal 200 will be defined and described as being performed by the user terminal 200 .

In this case, the user terminal 200 may refer to various electronic devices such as a personal computer (PC), a laptop computer, a tablet computer, a mobile phone, a smart phone, and a wearable device (eg, a watch type terminal). In addition, the user terminal 200 includes an input unit (not shown) for receiving a user's input, a display unit (not shown) for displaying visual information, a communication unit (not shown) for transmitting and receiving signals to and from the outside, and a user terminal for processing data. (200) may include a control unit (not shown) that controls each internal unit and controls data transmission/reception between units.

The financial system 100 may provide non-face-to-face financial services to customers using the user terminal 200 online. A financial service provided by the financial system 100 to the user terminal 200 may be provided through a messenger application or a financial application pre-installed in the user terminal 200 .

The financial system 100 may receive a request for a financial service from the user terminal 200 and provide a financial service corresponding to the request to the user terminal 200 . At this time, the financial system 100 may determine whether to provide the corresponding financial service to the user using the user terminal 200 (ie, whether the user is qualified for the corresponding financial service). At this time, the financial system 100 requests the user terminal 200 for documents necessary for determining whether to provide financial services, and provides the corresponding financial service to the user terminal 200 based on the documents received from the user terminal 200. You can decide whether to do it or not.

For example, when the user terminal 200 requests a mortgage loan service from the financial system 100, the financial system 100 provides a mortgage loan service to the user terminal 200, a user (hereinafter, a borrower) It may be necessary to check the housing holding status of household members (e.g., the borrower's lineal ascendant, the borrower's spouse, the spouse's lineal ascendant, the borrower's direct descendant and his/her spouse) (in the current financial policy, when taking a mortgage loan, stipulated to check the status of housing ownership of the borrower's household members).

To this end, conventional banks have requested that all household members of the borrower visit the bank and submit related documents or submit them through an agent.

On the other hand, the financial system 100 of the present invention can obtain necessary information using the first document collected in relation to the borrower and the second document submitted online by the borrower, and the applicant directly visits the bank to obtain the document can be processed in lieu of the act of submitting

However, in order to collect information necessary for determining whether financial services are provided in the financial system 100, a procedure for obtaining consent to the provision of information from neighbors (eg, household members) related to the borrower must be preceded.

To this end, the financial system 100 of the present invention collects related data by scraping the first document related to the borrower, and thus 'a household member information provision consent list' for determining whether to provide financial services (hereinafter referred to as 1 customer list) can be created. That is, the financial system 100 may load target persons (ie, members of the household) for whom information needs to be provided in the first customer list in order to determine whether to provide financial services. The first customer list generated through this may be stored in the financial server 110 or the database 130 .

Here, the first document may include an abstract of the borrower's resident registration, a copy of resident registration, and a family relation certificate. However, this is only one example, and the present invention is not limited thereto.

In addition, the financial system 100 identifies a document submission request target requiring submission of a second document through the user terminal 200 using a predetermined rule for the target persons loaded in the first customer list, These can be loaded into the 'document submission request list' (hereinafter referred to as the second customer list). The second customer list generated through this may be similarly stored in the financial server 110 or the database 130 .

Here, the predetermined rule may include requiring the submission of a second document for the spouse of the borrower who is separated from the household and the minor household member of the borrower or spouse. At this time, the second document may include a resident registration copy, a basic certificate, or a family relation certificate. However, this is only one example, and the present invention is not limited thereto.

The second document may be submitted in the form of an image through the user terminal 200 . At this time, the financial system 100 identifies the data included in the second document through the image pre-processing module or the separately provided OCR server 120, and creates a first customer list and a second customer list based on the identified data. can be updated

Additionally, although not clearly shown in the drawing, the second document may be submitted through a separate user terminal (not shown) other than the user terminal 200 of the borrower. For example, the second document may be delivered to the financial system 100 through a user terminal (not shown) of a target person who needs to provide information. However, in the following, for convenience of description, an example in which the second document is submitted only through the user terminal 200 will be described.

Subsequently, the financial system 100 identifies a subject requiring consent to provide information based on the generated first customer list and the second customer list, and provides the identified consent procedure notification window to the user terminal 200 . The user may transmit a request for consent to the provision of information to subjects requiring consent to provide information using the consent procedure notification window provided to the user terminal 200 and receive a consent response thereto through the financial system 100 .

At this time, the financial system 100 transmits the consent request and receives the consent response to the information provision consent subjects through a text system (eg, SMS (short messaging service), LMS (long messaging service), MMS (Multimedia Messaging Service)) ), or through a financial application or messenger application provided by the financial system 100. However, these are only a few examples and the present invention is not limited thereto.

In summary, the financial system 100 of the present invention, when a user needs to obtain consent to provide information from a person related to the user when using a specific financial service, does not require the user or the bank to manually set the information provision target, the financial system In (100), it is possible to automatically identify and guide a target to receive information provision consent. At this time, the financial system 100 guides the user terminal 200 to documents that require additional submission, thereby minimizing the time required to identify documents required for using the financial service.

In addition, the financial system 100 provides a non-face-to-face consent function to the identified subject, so that it is possible to easily obtain consent to provide information from persons in need of consent to provide information, thereby improving user convenience for using financial services. can improve

Hereinafter, a financial service providing method performed in the financial system 100 according to some embodiments of the present invention will be described.

2 is a flowchart schematically illustrating a financial service providing method according to some embodiments of the present invention. Hereinafter, for convenience of description, an example in which the subject performing the method for providing financial services according to the present invention is the financial system 100 will be described.

Referring to FIG. 2 , in the financial service providing method according to some embodiments of the present invention, the financial system 100 receives a financial service application from the user terminal 200 (S10). Here, the financial service may include all services provided by the banking institution, and in particular, may include financial services that require the provision of information to others (eg, members of the household) related to the applicant (ie, the user). can

Subsequently, the financial system 100 receives a first document related to a user using the user terminal 200 (S20). The financial system 100 may identify a user based on login information or authentication information of a financial application pre-installed in the user terminal 200 and obtain a first document for the identified user in various ways. For example, the financial system 100 may obtain the first document by scraping data in the external server 300 .

Subsequently, the financial system 100 determines a second document requiring additional submission based on the received first document (S30). In this case, the second document may be a document necessary to identify a person subject to consent to provide information related to the user. That is, the second document may be a document necessary for determining whether to provide a financial service to the user.

Subsequently, the financial system 100 requests the user terminal 200 to submit the second document, and receives the second document from the user terminal 200 (S40). At this time, the user terminal 200 may provide the second document to the financial system 100 in the form of an image or file, and the financial system 100 may extract and use necessary data by analyzing the received image or file. there is.

Subsequently, the financial system 100 identifies a person for whom consent to provide information is required in determining whether to provide financial services to the user terminal 200 based on the first document and the second document (S50). A specific example of identifying a subject requiring consent to provide information will be described later with reference to FIGS. 7 and 8 .

Subsequently, the financial system 100 provides a consent procedure notification window to the user terminal 200 in order to perform an information provision consent procedure for the identified subject (S60). Here, the consent procedure notification window may include a list of previously identified subjects and a button for executing a consent process for the subject. Specific examples thereof will be described later with reference to FIGS. 9 and 10 .

Subsequently, the user may transmit a request for consent to the provision of information to subjects using the consent procedure notification window provided to the user terminal 200 and receive a consent response thereto through the financial system 100 .

Subsequently, upon completion of the consent process for the target person, the financial system 100 collects relevant information about the target person based on the received consent response, and provides the corresponding financial service to the user terminal 200 based on the collected information. It is determined whether it is possible (S70).

Subsequently, when it is determined that the corresponding financial service can be provided to the user terminal 200 , the financial system 100 provides the corresponding financial service to the user terminal 200 .

Hereinafter, with reference to FIG. 3, a detailed operation of the financial service providing method of the present invention will be described.

FIG. 3 is a flowchart illustrating a specific embodiment of the financial service providing method of FIG. 2 . Similarly, in the following description, for convenience of description, the execution subject of the financial service providing method of the present invention is the financial system 100 as an example, and the description overlapping with the above description is simplified or omitted.

Referring to FIG. 3 , in the financial service providing method of the present invention, the financial system 100 receives a request for financial service from the user terminal 200 (S110).

Subsequently, the financial system 100 requests the external server 300 for a first document related to the user using the user terminal 200 (S121). The external server 300 corresponds to a server of an institution capable of issuing a user's first document (eg, a government civil application processing server, a National Tax Service server, a court server, etc.), and the financial system 100 is a user's pre-stored server. It is possible to access the external server 300 using the authentication information and request information on the first document related to the user.

Next, the financial system 100 receives the requested first document and data on the first document from the external server 300 (S123). The process of collecting the first document is carried out through scraping, and can be carried out through API (Application Program Interface) calls of other systems connected to the financial system 100, of course. However, as described above, the data collection method for the first document of the present invention is not limited thereto, and the first document can be directly uploaded to the financial system 100 through the user terminal 200 and used. am.

Subsequently, the financial system 100 generates a first customer list based on the received first document (S131). Here, the first customer list may be composed of subjects for whom consent to provide information is required upon examination of the financial service requested by the user. The financial system 100 may select the target person based on the first document and load them into the first customer list.

Next, the financial system 100 generates a second customer list composed of customers who need to submit a second document from among the generated first customer list (S133). For example, if it is not clear whether a customer included in the first customer list is a person for whom consent to provide information is required only with the first document, a request for a second document for the corresponding candidate occurs. The financial system 100 may select a candidate for whom the request for the second document is required and load it into the second customer list.

Then, the financial system 100 requests the user terminal 200 for a second document for the target person candidate included in the second customer list (S141).

Subsequently, the financial system 100 receives a second document from the user terminal 200 (S143).

Next, the financial system 100 acquires the data of the second document received. At this time, the second document may be delivered in various formats, and as described above, may be transmitted as an image or a file. If the second document is transmitted as an image, the financial system 100 may extract and identify data included in the second document using an Optical Character Recognition (OCR) technique.

Next, the financial system 100 updates the first customer list and the second customer list based on the acquired data of the second document (S151).

Subsequently, the financial system 100 reviews whether there is a need to submit additional documents (S153). For example, the financial system 100 additionally reviews whether there is a candidate for whom submission of the second document is required.

Subsequently, when there is no need to submit additional documents, the financial system 100 determines a person requiring consent to provide information based on the first customer list and the second customer list (S155).

Subsequently, the financial system 100 generates a consent procedure notification window composed of subjects requiring consent to provide information and provides it to the user terminal 200 (S160).

Subsequently, although not clearly shown, the user may transmit a request for consent to the provision of information to the subjects by using a function included in the consent procedure notification window displayed on the screen of the user terminal 200 .

Subsequently, the financial system 100 may receive consent responses of the subjects to the transmitted consent request. Subsequently, the financial system 100 may collect relevant information on the subject based on the received consent response, and determine whether to provide the corresponding financial service to the user terminal 200 based on the collected information.

Subsequently, when it is determined that the provision of the corresponding financial service is possible, the financial system 100 provides the corresponding financial service to the user terminal 200 (S170). On the other hand, if it is determined that the corresponding financial service cannot be provided, the financial system 100 informs the user terminal 200 that the corresponding financial service cannot be provided.

Hereinafter, some examples of the aforementioned financial service providing method will be described.

FIG. 4 is a diagram for explaining an example of the financial service providing method of FIG. 2 . In the following, overlapping content with the above description will be omitted or simplified, and the differences will be mainly explained.

Referring to FIG. 4 , the financial system 100 scrapes the first document for the user of the user terminal 200 (S210). At this time, the financial system 100 collects the first document related to the user using the user's pre-entered authentication information, and the collection target is the external server 300 or a separate database 130 provided in the financial system 100. ) can be.

Subsequently, the financial system 100 identifies data included in the first document and generates a first customer list based on the identified data (S220). Here, the first customer list may be composed of subjects requiring consent to provide information in order to provide the financial service requested by the user.

Subsequently, the financial system 100 generates a second customer list requiring submission of a second document from among the first customer list (S230). Here, the second customer list is generated by selecting only customers who need to submit the second document using a predetermined rule from among the customers included in the first customer list. At this time, the predetermined rule may vary according to the type of financial service requested by the user.

Subsequently, the financial system 100 determines the need for the user to submit additional documents based on the first customer list and the second customer list (S240).

If there is a need to submit additional documents, the financial system 100 requests the user terminal 200 to submit the second document.

Subsequently, the financial system 100 receives a second document from the user terminal 200 and identifies data included in the second document (S261).

Subsequently, the financial system 100 updates the first customer list or the second customer list based on the identified data included in the second document (S263).

Subsequently, the financial system 100 re-determines whether the user needs to submit additional documents based on the updated first customer list and second customer list (S240). At this time, if additional documents are required to determine whether financial services are provided, the financial system 100 repeatedly performs steps S261, S263, and S240 described above until no additional documents are required.

If there is no need to submit additional documents, the financial system 100 determines a person requiring consent to provide information based on the first customer list and the second customer list (S271).

Then, the financial system 100 generates a consent procedure notification window including the confirmed subject, and provides the consent procedure notification window to the user terminal 200 (S273). At this time, the consent procedure notification window is provided in the form of a pop-up through a financial application installed on the user terminal 200, or in the form of a bottom sheet appearing through a slide animation moving from the bottom to the top of the screen. can be provided. However, this is only one example, and the present invention is not limited thereto.

Then, the financial system 100 performs a process for receiving consent to provide information from the subjects (S275). Specifically, the user may transmit a request for consent to the provision of information to determined subjects using the consent procedure notification window provided to the user terminal 200, and the consent response of the subjects may be transmitted to the financial system 100. there is.

Next, the financial system 100 may collect relevant information about the target person based on the received consent response, and determine whether or not the corresponding financial service can be provided to the user terminal 200 based on the collected information.

Hereinafter, in the financial service providing method of the present invention described above, a case in which the financial service requested by the user is a home mortgage loan will be described as an example.

FIG. 5 is a diagram for explaining another example of the financial service providing method of FIG. 2 . 6 to 8 are diagrams for explaining the operation of the financial service providing method of FIG. 5 by way of example. 9 and 10 are views for illustratively explaining a procedure for obtaining consent from a person subject to consent by using a consent procedure notification window in a financial service providing method according to an embodiment of the present invention. Similarly, in the following description, overlapping content with the above description will be omitted or simplified, and the differences will be mainly described.

Referring to FIG. 5, first, the financial system 100 receives a housing mortgage loan application request from the user terminal 200 (S310). At this time, the user terminal 200 is connected to the financial system 100 through user authentication, and the financial system 100 identifies the user and becomes accessible to information related to the user.

Subsequently, the financial system 100 scrapes the first document for the user of the user terminal 200 through the external server 300 (S320). Here, the first document may include at least one of a user's resident registration abstract, a resident registration copy, and a family relation certificate.

For example, referring to the first area R1 of FIG. 6, according to the rules predetermined in the housing mortgage loan (ie, the rules set forth in the current laws and regulations), the borrower (ie, the user) obtains a copy of resident registration, a copy of resident registration, and A family relation certificate is required, and the financial system 100 may receive the corresponding documents from the external server 300 through scraping as the first document DL1.

Subsequently, referring to FIGS. 5 and 7 , the financial system 100 classifies 'persons subject to consent to provide information' based on the data of the scrapped first document, and creates a first customer list L1 through this ( S330).

The financial system 100 may identify and process data included in the scraped first document. Specifically, the financial system 100 may scrape the borrower's resident registration copy (dc1) and extract the first identification data (dcr1) based on the resident registration copy (dc1). For example, the first identification data dcr1 may include information about the name of the borrower, the resident registration number of the borrower, the Korean name for each member of the household, the resident registration number for each member of the household, and the relationship with the head of the household for each member of the household.

In addition, the financial system 100 may scrape the family relation certificate dc2 of the borrower and extract the second identification data dcr2 based on the family relation certificate dc2 (<a1> in FIG. 7, <a1>, < a2>). For example, the second identification data dcr2 may include information about family relations with the borrower, names of each household member, resident registration number, and death.

According to an embodiment, the financial system 100 may extract the first identification data dcr1 by scraping the first document (eg, a copy of the borrower's resident registration, a copy of resident registration (hereinafter, a certified copy), or a family relation certificate). . In addition, the financial system 100 may identify a relationship between a member of the household included in the first identification data dcr1 (ie, a related person of the borrower) and the borrower.

Based on the borrower, the financial system 100 may allocate the relational names of the household member and the borrower indicated in the first document.

According to an embodiment, the financial system 100 may distinguish between a case where the borrower is a householder and a case where the householder is not, and allocate relationship names of the household member and the borrower included in the certified copy.

For example, if the borrower is the head of household and the [relationship with the head of household] of a specific household member indicated in the certified copy is 'spouse', the specific household member may be assigned a relationship name as 'spouse'.

As another example, if the borrower is not the householder, the borrower is the 'spouse of the householder', and the [relationship with the householder] of a specific household member indicated in the certified copy is 'the person', the specific household member may be assigned a relationship name as 'spouse'. there is.

As another example, if the borrower is not the head of the household, the borrower is the 'spouse of the householder', and the [relationship with the householder] of a specific household member indicated in the certified copy is 'father', the specific household member is 'father-in-law/father-in-law' can be assigned

At this time, the financial system 100 may convert the relationship between the member of the household indicated in the first document and the identified borrower into a 'relationship code' based on the borrower.

For example, the financial system 100 allocates the relationship name of the borrower to the household member indicated in the first document, and converts the assigned relationship name into a relationship code related to the borrower based on a predetermined [relationship code table]. can Here, the relationship code is defined as an identification code representing 'a family relationship between a member of the household and the borrower'. The [relationship code table] including matters related to the relationship code may be pre-stored in the financial system 100 or pre-stored in the external server 300 and used.

The relationship code assigned in relation to the borrower may be converted into a table form and stored in the financial system 100 or the external server 300 . That is, the financial system 100 assigns a relationship code indicating a relationship with the borrower to each member of the household included in the first identification data dcr1 and the second identification data dcr2, and assigns the relationship code assigned to each member of the household to the member of the household. Based on the first table dcrt1 and the second table dcrt2, a value corresponding to the 'relationship with the borrower' item (ie, an assigned value) may be assigned.

For example, referring to <a2> and <a3> of FIG. 7 , the 'relationship with the borrower' included in the first identification data dcr1 is the 'relationship with the borrower' included in the first table dcrt1. ' can be converted to an item. Subsequently, the financial system 100 assigns a relationship code to each household member using a predetermined [relationship code table] for conversion, and uses the assigned relationship code to 'with the borrower' included in the first table dcrt1. An assigned value indicating a relationship with a borrower may be automatically assigned to 'relationship'.

Through this, the financial system 100 determines, based on the relationship code related to the borrower, whether it is necessary to submit a second document for a related person (or household member) related to the borrower, or a related person (or, It is possible to quickly and accurately make decisions on whether the consent of household members) is required.

Subsequently, the financial system 100 may create additional items in the first table dcrt1 and the second table dcrt2 by referring to the first identification data dcr1 and the second identification data dcr2 (Fig. <a3> in 7). For example, the first table (dcrt1) includes not only the relationship between the borrower and each member of the household (eg, the relationship with the borrower derived based on the relationship code), whether or not each member of the household is subject to consent to provide information, and the Information on whether or not you are a minor may be included, and the second table (dcrt2) may include information on whether each household member has duplicate copies, whether each household member is subject to consent to provide information, and whether each household member is a minor. However, this is only one example and the present invention is not limited thereto.

Subsequently, the financial system 100 identifies the subjects subject to consent to provide information based on the first table dcrt1 and the second table dcrt2 and loads them into the first customer list L1, thereby establishing the first customer list L1. (<a4> in FIG. 7).

Subsequently, the financial system 100 identifies a 'document submission request subject' based on a predetermined rule, and generates a second customer list L2 through this (S340).

Specifically, referring to FIG. 7 , the financial system 100 identifies subjects P1 and minors P2 requiring consent to provide information in the first table dcrt1. In addition, the financial system 100 identifies, in the second table (dcrt2), a target person (P31) and a minor (P32) who are not included in the resident registration copy of the borrower among the members included in the borrower's family relation certificate.

At this time, referring to the second area R2 of FIG. 6, the predetermined rule for identifying the subject of the request for submission of the second document is a copy of resident registration in the case of a spouse separated from the household of the borrower, and a basic certificate in the case of a minor household member. , or the basic certificate and the family relation certificate may include the content to be submitted as the second document (DL2).

Subsequently, referring to FIG. 5 again, the financial system 100 determines the need to submit additional documents for the customers included in the second customer list L2 (S351). Specifically, referring to FIG. 7 , the financial system 100 uses the identified information to identify people subject to consent to provide information loaded in the first customer list L1, and a person P41 who does not need additional documents and additional documents It is classified as a necessary subject (P42) (<a4> in FIG. 7). The financial system 100 generates a second customer list (L2) by loading target persons (P42) requiring additional documents in the second customer list (L2). In this case, the second customer list L2 may include information about household members' names, relationships with borrowers, types of required documents, whether or not documents are requested, and the like. However, this is only one example and the present invention is not limited thereto.

Subsequently, the financial system 100 requests a second document from the user terminal 200 for subjects requiring additional document submission, and receives the requested second document from the user terminal 200 (S353). At this time, the user terminal 200 may transmit the second document to the financial system 100 in the form of an image, and the financial system 100 may use an optical character recognition (OCR) function to transmit data included in the second document. can identify.

Subsequently, the financial system 100 updates the first customer list L1 and the second customer list L2 based on the received identification data of the second document (S355).

Specifically, referring to FIG. 8 , the financial system 100 receives a resident registration copy (dc3) of a spouse from the user terminal 200 as a second document (<b1> in FIG. 8). The financial system 100 may extract the third identification data dcr3 by identifying the contents included in the resident registration copy dc3 using the OCR function (<b2> in FIG. 8). For example, the third identification data dcr3 may include various types of information about the spouse and household members of the spouse. Subsequently, the financial system 100 may generate a third table dcrt3 by referring to the third identification data dcr3 (FIG. 8 <b3>).

At this time, the financial system 100 may determine the object of agreement to provide information, which was difficult to grasp only with the scrapped first document of the borrower, based on the second document. For example, in the case of consent subject No. 7 'Lately Late', it was difficult to determine whether it was subject to consent to provide information only with the first document, but as it was confirmed as a child of a spouse in the second document, the financial system 100 'The first customer list (L1) can be updated as being subject to consent to provide information. In addition, as it is confirmed that the consent subject No. 7 'Late Late' is subject to consent to provide information, the financial system 100 may update 'Late Late' as a subject for requesting required documents in the second customer list L2. However, this is only one example and the present invention is not limited thereto.

Subsequently, referring to FIG. 5 again, the financial system 100 determines again the need to submit additional documents for customers included in the updated second customer list L2 (S351).

Then, if there is a person who needs to submit additional documents, the financial system 100 requests a second document to be additionally submitted to the user terminal 200, and receives the requested second document from the user terminal 200 (S353). .

On the other hand, if there is no subject requiring submission of additional documents, the financial system 100 determines a subject requiring consent to provide information (S360). In addition, the financial system 100 generates a consent procedure notification window including the confirmed subject, and provides the consent procedure notification window to the user terminal 200 .

At this time, the consent procedure notification window is provided in the form of a pop-up through a financial application installed on the user terminal 200, or in the form of a bottom sheet appearing through a slide animation moving from the bottom to the top of the screen. can be provided. Hereinafter, for convenience of description, an example in which the consent procedure notification window is provided in the form of a bottom sheet will be described.

For example, referring to FIG. 9 , the financial system 100 provides the user terminal 200 with a message including a link to 'request consent to provide household member information' (<c1>). When the user selects the corresponding link, a notice about 'household member information consent' is displayed on the user terminal 200 through the bottom sheet BS1 (<c2>).

Subsequently, when the user selects the confirmation button included in the bottom sheet BS1, the bottom sheet BS2 is displayed following the bottom sheet BS1 (<c3>). The bottom sheet BS2 may include personal information of household members (ie, target persons) requiring consent to provide information, and a button indicating the status of whether or not to consent and performing procedures for obtaining consent from each household member.

The user may obtain consent on behalf of a specific household member indicated on the bottom sheet (BS2), designate a legal representative for another household member, or receive consent by sending a text message to another household member. A plurality of buttons for performing each of these operations may be provided in the bottom sheet BS2 (<c4>).

Subsequently, referring to FIG. 10, when the user selects a button for designating a legal representative of a specific household member through the bottom sheet BS2, the financial system 100 may attempt to call a legal representative list (S410). .

If the financial system 100 fails to call the legal representative list for the user, the financial system 100 sends a notification message (EM) about the processing error to the user terminal 200 on the screen of the user terminal 200. can be displayed (<c41>).

On the other hand, if the financial system 100 succeeds in calling the legal representative list for the user, the financial system 100 assigns the user terminal 200 a bottom sheet BS3 for designating a legal representative of the user terminal 200. It can be displayed on the screen (<c42>).

Subsequently, the financial system 100 selects a person who is qualified as a legal representative of a member of the household selected by the user, and when there are a plurality of selected persons, a bottom sheet (BS3) of a type that allows one of a plurality of options to be selected. may be provided to the user terminal 200.

Subsequently, the financial system 100 proceeds with a procedure for designating a legal representative based on the user's selection (S420).

If an error occurs in the procedure for designating a legal representative, the financial system 100 may provide the bottom sheet BS3 to the user terminal 200 again to select a legal representative (<c43>).

On the other hand, if the procedure for designating a legal representative is successfully performed and the new list call for household members succeeds (S430), the financial system 100 displays a bottom sheet (BS2) in which the agreement of each household member related to the user is updated. may be provided to the user terminal 200 again (<c45>). At this time, the bottom sheet BS2 may include state information CB about the processing result of the previous process. On the other hand, if calling the new list for a household member fails, the financial system 100 may display a notification message (EM) for a processing error on the screen of the user terminal 200 (<c44 >). However, the foregoing is only a few examples of the present invention, and the process of obtaining consent to provide information of the present invention is not limited thereto.

Subsequently, referring to FIG. 5 again, the financial system 100 receives consent to provide information from all identified subjects by performing a process for receiving consent to provide information from subjects (S370). Specifically, the user may transmit a request for consent to the provision of information to determined subjects using the consent procedure notification window provided to the user terminal 200, and the consent response of the subjects may be transmitted to the financial system 100. there is.

Subsequently, the financial system 100 collects relevant information on the target person based on the received consent response, and determines whether or not the user's home mortgage loan can be provided based on the collected information (S380).

Subsequently, when it is determined that the corresponding financial service can be provided to the user terminal 200 , the financial system 100 provides the corresponding financial service to the user terminal 200 .

In summary, the financial service providing method of the present invention can automatically collect all information necessary for the user's use of financial services in a non-face-to-face manner, thereby minimizing resources required to determine whether financial services can be provided. Through this, users can quickly grasp the results of whether they can use financial services, and financial institutions can provide corresponding financial services to many users at the same time, maximizing work efficiency and profits.

In addition, the financial service providing method of the present invention can handle various paper submissions online, which users or banks had to proceed offline in the prior art. Therefore, the present invention can improve the convenience of customers using financial services and reduce the need for offline branch operation, thereby minimizing the bank's operating costs and improving operating profits.

11 is a diagram for explaining a hardware configuration of a financial system that performs a financial service providing method according to some embodiments of the present invention.

Referring to FIG. 11 , a financial system 100 performing a financial service providing method according to some embodiments of the present invention may be implemented as an electronic device 1000 . The electronic device 1000 may include a processor 1010, an I/O device 1020, a memory 1030, an interface 1040, a storage 1050, and a bus 1060. there is. The processor 1010 , input/output device 1020 , memory 1030 , interface 1040 , and/or storage 1050 may be coupled to each other through a bus 1060 . The bus 1060 corresponds to a path through which data is moved.

As another example, each of the components constituting the financial system 100 (eg, the financial server 110 , the OCR server 120 , and the database 130 ) may be implemented as the electronic device 1000 . In this case, the configuration of the electronic device 1000 operating as each server may be substantially the same as the above description. Hereinafter, for convenience of description, an example in which the financial system 100 is implemented as the electronic device 1000 will be described.

Specifically, the processor 1010 includes a central processing unit (CPU), a micro processor unit (MPU), a micro controller unit (MCU), a graphic processing unit (GPU), a microprocessor, a digital signal processor, a microcontroller, and an application processor (AP). , application processor), and logic elements capable of performing functions similar thereto.

The input/output device 1020 may include at least one of a keypad, a keyboard, a touch screen, and a display device.

The memory 1030 may load data and/or programs. In this case, the memory 1030 is an operating memory for improving the operation of the processor 1010 and may include a high-speed DRAM and/or an SRAM. The memory 1030 includes one or more volatile memory devices such as DDR SDRAM (Double Data Rate Static DRAM) and SDR SDRAM (Single Data Rate SDRAM) and/or EEPROM (Electrical Erasable Programmable ROM) and flash memory. The above non-volatile memory devices may be included.

The interface 1040 may perform a function of transmitting data to a communication network or receiving data from the communication network. Interface 1040 may be wired or wireless. For example, the interface 1040 may include an antenna or a wired/wireless transceiver.

The storage 1050 may store and store data and/or programs. The storage 1050 may include one or more non-volatile memory devices such as a solid state drive (SSD), hard drive, or flash memory. In the present invention, the storage 1050 may store a financial service providing method or a computer program composed of instructions for performing the financial service providing method.

Alternatively, the financial system 100 and the user terminal 200 according to embodiments of the present invention may be systems formed by connecting a plurality of electronic devices 1000 to each other through a network. In this case, each module or combinations of modules may be implemented as the electronic device 1000 . However, this embodiment is not limited thereto.

Additionally, the financial system 100 includes a workstation, a data center, an internet data center (IDC), a direct attached storage (DAS) system, a storage area network (SAN) system, and a network attached storage (NAS) system. ) system and at least one of a redundant array of inexpensive disks (RAID) system and a redundant array of independent disks (RAID) system, but the present embodiment is not limited thereto.

Also, the financial system 100 may transmit data through a network using the user terminal 200 . The network may include a network based on wired Internet technology, wireless Internet technology, and short-range communication technology. Wired Internet technology may include, for example, at least one of a local area network (LAN) and a wide area network (WAN).

Wireless Internet technologies include, for example, Wireless LAN (WLAN), DMNA (Digital Living Network Alliance), Wireless Broadband (Wibro), WiMAX (World Interoperability for Microwave Access: Wimax), HSDPA (High Speed Downlink Packet Access), High Speed Uplink Packet Access (HSUPA), IEEE 802.16, Long Term Evolution (LTE), Long Term Evolution-Advanced (LTE-A), Wireless Mobile Broadband Service (WMBS) And it may include at least one of 5G New Radio (NR) technology. However, this embodiment is not limited thereto.

Short-range communication technologies include, for example, Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra-Wideband (UWB), ZigBee, Near Field Communication: At least one of NFC), Ultra Sound Communication (USC), Visible Light Communication (VLC), Wi-Fi, Wi-Fi Direct, and 5G NR (New Radio) can include However, this embodiment is not limited thereto.

The financial system 100 communicating through the network may comply with technical standards and standard communication methods for mobile communication. For example, standard communication methods include GSM (Global System for Mobile communication), CDMA (Code Division Multi Access), CDMA2000 (Code Division Multi Access 2000), EV-DO (Enhanced Voice-Data Optimized or Enhanced Voice-Data Only) At least one of Wideband CDMA (WCDMA), High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE), Long Term Evolution-Advanced (LTEA), and 5G New Radio (NR) can include However, this embodiment is not limited thereto.

12 is a diagram for explaining a hardware configuration of a financial server that performs a financial service providing method according to some embodiments of the present invention. Hereinafter, descriptions of overlapping contents with those described above are omitted.

Referring to FIG. 12 , a financial server 110 performing a financial service providing method according to some embodiments of the present invention includes a processor 111 , a memory 113 , and an interface 115 .

Here, the processor 111 includes a central processing unit (CPU), a micro processor unit (MPU), a micro controller unit (MCU), a graphic processing unit (GPU), a microprocessor, a digital signal processor, a microcontroller, and an application processor (AP). , application processor), and logic elements capable of performing functions similar thereto. At this time, the processor 111 may perform an operation of executing instructions included in a computer program stored in the memory 113 . Here, the computer program may be composed of programming code or assembly language for performing each step of the above-described financial service providing method.

The memory 113 may store or load data and/or computer programs. In this case, the memory 113 is an operating memory for improving the operation of the processor 1010 and may include high-speed DRAM and/or SRAM. In addition, the memory 113 includes one or more devices such as Electrical Erasable Programmable ROM (EEPROM), Solid State Drive (SSD), hard drive, and flash memory for storing data and/or computer programs. A non-volatile memory device may be included.

The interface 115 may perform a function of transmitting data to or receiving data from the communication network. The interface 1040 may be wired or wireless, and may exchange data with other devices using a predetermined communication protocol (or protocol). For example, the interface 115 may exchange data generated during the execution of a computer program with the manager terminal 200 . However, this is only one example and the present invention is not limited thereto.

The above description is merely an example of the technical idea of the present embodiment, and various modifications and variations can be made to those skilled in the art without departing from the essential characteristics of the present embodiment. Therefore, the present embodiments are not intended to limit the technical idea of the present embodiment, but to explain, and the scope of the technical idea of the present embodiment is not limited by these embodiments. The scope of protection of this embodiment should be construed according to the claims below, and all technical ideas within the scope equivalent thereto should be construed as being included in the scope of rights of this embodiment.

Claims (11)

In the method of providing financial services performed in a financial system interworking with a user terminal,
Receiving a request for a financial service from the user terminal;
Receiving a first document related to a user using the user terminal;
Determining a second document requiring additional submission based on the first document;
requesting the second document from the user terminal and receiving the second document from the user terminal;
identifying data included in the second document;
determining a person whose consent is required when using the financial service based on the first document and the second document;
Providing a consent procedure notification window to the user terminal in order to perform the consent procedure for the target person; and
When the consent procedure for the target person is completed, determining whether the financial service can be provided
How to provide financial services.
According to claim 1,
Receiving the first document,
Scraping the first document related to the user through an external server linked with the financial system;
Receiving the second document,
and receiving the requested second document as an image from the user terminal.
According to claim 2,
The second document is a document for a related person related to the user recorded in the first document,
The step of identifying the data included in the second document,
and performing image pre-processing on the second document to identify data included in the second document.
According to claim 1,
In the step of determining the second document requiring additional submission,
Identifying data included in the received first document and generating a first customer list composed of subjects for whom consent is required when reviewing the financial service based on the identified data;
and generating a second customer list composed of customers included in the first customer list and requiring submission of the second document, using a predetermined rule.
According to claim 4,
In the step of determining the second document requiring additional submission,
and comparing documents already received from the user terminal with the second customer list, and determining the second documents requiring additional submission.
According to claim 4,
The step of determining the target person,
Determining a third document requiring additional submission based on the first document and the second document and requesting the user terminal;
Receiving the third document from the user terminal and identifying data included in the third document;
A method of providing financial services comprising determining a person for whom consent is required based on the first to third documents.
According to claim 4,
The step of generating the first customer list or the step of generating the second customer list,
assigning a relationship code indicating a relationship with a borrower to each household member included in the first document or the second document by using a predetermined relationship code table;
and assigning a corresponding assigned value to a 'relationship with borrower' item included in the first customer list or the second customer list based on the relationship code assigned to each member of the household. .
According to claim 1,
The step of providing the consent procedure notification window,
providing the user's terminal with the consent procedure notification window composed of a list of the target person and a button for executing the consent procedure for the target person;
Receiving an input for the button included in the consent procedure notification window from the user terminal;
and updating contents of the consent procedure notification window when consent information of the subject corresponding to the button on which the input is received is received.
According to claim 1,
The financial service includes a mortgage loan service for the user,
The first document includes an abstract of the user's resident registration, a copy of resident registration, and a family relation certificate,
Wherein the second document is a financial service providing method comprising a spouse separated from the household of the user, a copy of resident registration for a minor household member of the user or the spouse, a basic certificate, or a family relation certificate.
processor;
a memory for loading a computer program executed by the processor; and
Including an interface for exchanging data generated during the execution of the computer program with a user terminal,
The computer program,
receiving a request for a financial service from the user terminal;
receiving a first document related to a user using the user terminal;
determining a second document requiring additional submission based on the first document;
requesting the second document from the user terminal and receiving the second document from the user terminal;
identifying data included in the second document;
determining a person for whom consent is required when using the financial service based on the first document and the second document;
providing a consent procedure notification window to the user terminal in order to perform the consent procedure for the target person; and
When the consent procedure for the target person is completed, determining whether the financial service can be provided
financial server.
A computer-readable recording medium recording a program capable of executing the method according to any one of claims 1 to 9.

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