KR20230144889A - Financial system and financial service method thereof - Google Patents

Abstract

The financial system according to the present invention includes an application unit that receives and processes a subscription application for a loan information provision service from a customer terminal, an information collection unit that externally collects customer information for the customer terminal for which the subscription application has been completed, and the customer information. It includes a calculation unit that calculates loan conditions for the customer based on and an information provision unit that provides the loan conditions to the customer terminal.

Description

Financial system and its financial service method {FINANCIAL SYSTEM AND FINANCIAL SERVICE METHOD THEREOF}

The present invention relates to financial systems and financial service methods thereof.

Customers using financial institutions can borrow a certain amount from the financial institution as needed, repay the principal and interest according to set conditions, and pay interest according to the loan conditions. For these loan products, the customer generally applies for a loan by providing information about the object that serves as collateral for the loan, and the financial institution calculates the loan availability or loan conditions for the customer accordingly and informs the customer of the loan. It consists of this execution process.

At this time, the customer must go through steps such as opening an account with the financial institution and submitting the necessary documents to find out whether a loan is possible from the financial institution. Additionally, it is difficult for customers to predict loan conditions, such as loan limit or interest rate, after actually applying for a loan and before a loan review is performed. Therefore, it is not easy for customers to quickly respond to their economic situation and make plans using loans.

The technical task to be achieved by the present invention is to promote financial convenience for customers by allowing the financial system to collect information on customers who use financial services and calculate and provide loan conditions that can be received in the future even if the customer is not currently applying for a loan.

A financial system according to an embodiment of the present invention includes an application unit that receives and processes a subscription application for a loan information provision service from a customer terminal, and an information collection unit that externally collects customer information for the customer terminal for which the subscription application has been completed. , a calculation unit that calculates loan conditions for the customer based on the customer information, and an information provision unit that provides the loan conditions to the customer terminal.

The application unit may provide terms and conditions to the customer terminal and receive consent.

The application unit may check whether the real name number for the customer terminal is registered and, if not, request the customer terminal to register the real name number.

The application unit may request identity verification and electronic signature verification from the customer terminal.

The information collection unit may collect the customer information from a public my data server or a credit information company.

The customer information may include at least one of the customer's employment status, business operation status, income information, credit information, financial transaction details, and owned assets.

The loan conditions may include a loanable amount and a loan interest rate.

The above customer may be a customer who has not applied for a separate loan.

The information collection unit, the calculation unit, and the information provision unit may perform work on a regular basis.

A financial service method according to another embodiment of the present invention is a method in which a financial system provides financial services to customers who have not applied for a loan, comprising: receiving a service application from the customer terminal; collecting customer information; It includes calculating loan conditions for the customer based on customer information, and providing the loan conditions to the customer terminal.

After receiving the service application, transmitting terms and conditions to the customer terminal and requesting consent to the consent form; determining whether the real name number of the customer terminal is registered; if the real name number is not registered, It may further include requesting the customer terminal to register a real name number, and transmitting a request for identity verification and electronic signature to the customer terminal.

The collecting step may include collecting from a public my data server or a credit information company.

The customer information may include at least one of the customer's employment status, business operation status, income information, credit information, financial transaction details, and owned assets.

The loan conditions may include a loanable amount and a loan interest rate.

The steps of collecting, calculating, and providing customer information may each be performed multiple times on a regular basis.

According to an embodiment of the present invention, the financial system collects information about customers who use financial services and calculates and provides loan conditions that can be received in the future even if they are not currently applying for a loan, so that customers can make important decisions about their financial life plans. You can receive information and manage your daily credit rating.

1 is a block diagram of an operating environment of a financial system according to an embodiment of the present invention.
Figure 2 is a block diagram of a financial system according to one embodiment of the present invention.
Figure 3 is a flowchart explaining a financial service method according to an embodiment of the present invention.

Below, with reference to the attached drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily implement the present invention. However, the present invention may be implemented in various different forms and is not limited to the embodiments described herein. In order to clearly explain the present invention in the drawings, parts that are not related to the description are omitted, and similar parts are given similar reference numerals throughout the specification.

Throughout the specification, when a part is said to “include” a certain component, this means that it may further include other components rather than excluding other components, unless specifically stated to the contrary.

In addition, the terms “…unit” and “…module” used in the specification refer to a unit that processes at least one function or operation, which may be implemented as hardware, software, or a combination of hardware and software.

A financial system and its financial service method according to an embodiment of the present invention will be described in detail with reference to the drawings.

1 is a block diagram of an operating environment of a financial system according to an embodiment of the present invention.

Referring to FIG. 1, the financial system 100 is a server operated by a financial institution, which provides a loan to the customer terminal 200 according to set conditions and collects interest and principal according to the loan. In addition, the financial system 100 collects relevant information for customer terminals 200 that have not yet applied for an actual loan, calculates loan conditions for the customer terminal 200 according to the collected information, and provides them to the customer terminal 200. do.

The customer terminal 200 is a device through which customers of a financial institution access and communicate with the financial system 100 through a network. The customer terminal 200 may be, for example, various communication devices such as various computers, personal digital assistants (PDAs), mobile communication terminals including smartphones, and televisions (TVs).

The affiliate system 300 is a server operated by various companies that hold information about the customer terminal 200. For example, the affiliate is a credit information company that evaluates and provides comprehensive personal credit based on individual credit-related information. It could be. Meanwhile, recently, a service that integrates and manages the scattered personal data of the information subject by gathering them in one place and allowing the individual to directly view and store them is called the my data service. A public my data server based on the my data service is being established. It may be an affiliate system 300.

Now, with reference to FIG. 2, the financial system 100 according to an embodiment of the present invention will be described in detail.

Figure 2 is a block diagram of a financial system according to one embodiment of the present invention.

Referring to FIG. 2, the financial system 100 includes an application unit 110, an information collection unit 120, a calculation unit 130, and an information provision unit 140.

The application unit 110 receives and processes an application for subscription to a service for providing loan conditions according to an embodiment of the present invention, which receives loan-related information from the customer terminal 200. At this time, the customer terminal 200 is a terminal of a customer who has not actually applied for a loan. The application unit 110 may provide terms and conditions to the customer terminal 200 that has applied for the service, request consent in the consent form, and receive the corresponding consent document. In this case, consent includes consent to inquiry, collection, use and provision of personal or credit information. Additionally, the application unit 110 checks whether the customer who is the user of the customer terminal 200 has a real name number registered and, if the real name number is not registered, receives a registration result to request registration of the real name number. Additionally, the application unit 110 can request identity verification and electronic signature from the customer terminal 200.

The information collection unit 120 collects information necessary to calculate loan conditions for the customer terminal 200 for which the application unit 110 has completed service application processing. That is, the information collection unit 120 collects the customer's employment status, business operation status, income information, credit information, financial transaction history, and assets held from the affiliate system 300, which includes a public my data server or a credit information company (Credit Bureau). Inquiry and collect data such as

The calculation unit 130 calculates loan conditions for the customer terminal 200 based on the information collected by the information collection unit 120. At this time, the loan conditions include the loanable amount and the loan interest rate. That is, the calculation unit 130 calculates the loan conditions according to the information conditions held by the customer terminal 200 according to calculation standards equivalent to loan screening.

The information provider 140 provides the results calculated by the calculation unit 130 to the customer terminal 200. That is, the information provider 140 transmits information about loan conditions, including the loan amount and loan interest rate, to the customer terminal 200 for which a service application has been completed without a separate loan application or request from the customer terminal 200. .

Meanwhile, the information collection unit 120 and the calculation unit 130 may regularly collect information about the customer terminal 200 and calculate loan conditions accordingly. That is, the information collection unit 120 collects changes in customer information through the affiliate system 300, and the calculation unit 130 reexamines the loan conditions according to the changes and updates the calculation results. For example, the above tasks may be performed twice a month, such as at the beginning and end of the month.

The information provider 140 may provide these results to the customer terminal 200 on a regular basis. If there is no change as a result of the information collection by the information collection unit 120, the information provision unit 140 may provide the previously calculated loan conditions again to the customer terminal 200.

Now, with reference to FIG. 3, a financial service method according to an embodiment of the present invention will be described in detail.

Figure 3 is a flowchart showing a financial service method according to an embodiment of the present invention.

Referring to FIG. 3, the financial system 100 receives a service request from the customer terminal 200 (S310). In this case, the service refers to a service in which information about loan conditions is provided even if the applicant is not the actual loan applicant. Then, the financial system 100 transmits the terms and conditions to the customer terminal 200 and requests consent to the agreement (S320). Subsequently, the customer terminal 200 transmits consent to the consent form to the financial system 100 (S3210).

The financial system 100 determines whether the real name number of the corresponding customer terminal 200 is registered (S330). As a result of the determination, if the real name number is not registered, the financial system 100 requests the customer terminal 200 to register the real name number (S331). Then, the customer terminal 200 registers the real name number (S332). As a result of the determination, if the real name number is registered, the financial system 100 transmits a request for identity verification and electronic signature to the customer terminal 200 (S340). The customer terminal 200 completes identity verification and electronic signature accordingly (S341).

Next, the financial system 100 requests the affiliate system 300 to query and collect information about the customer (S350). Information about the customer includes at least one of the customer's employment status, business operation status, income information, credit information, financial transaction history, and assets held. The financial system 100 receives the requested information from the affiliate system 300 (S351).

The financial system 100 performs a loan screening for the customer based on the customer information received from the affiliate system 300 and calculates loan conditions (S360). At this time, loan conditions include the loanable amount and loan interest rate.

The financial system 100 provides the calculated loan conditions to the customer terminal 200 (S370).

Meanwhile, steps (S350-S370) may be performed periodically and repeatedly according to a set cycle.

According to one embodiment of the present invention, a financial system can collect information on customers who use financial services and calculate and provide loan conditions that can be received in the future even if the customer is not currently a customer applying for a loan. As a result, customers can regularly receive important information about their financial life plans, and if a situation arises in which a loan is needed in the future, they can plan their economic situation wisely in advance, and even if a loan is not needed, they can You can effectively manage your credit rating.

The embodiments described above may be implemented with hardware components, software components, and/or a combination of hardware components and software components. For example, the devices, methods, and components described in the embodiments may include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, and a field programmable gate (FPGA). It may be implemented using one or more general-purpose or special-purpose computers, such as an array, programmable logic unit (PLU), microprocessor, or any other device capable of executing and responding to instructions. A processing device may execute an operating system (OS) and one or more software applications that run on the operating system. Additionally, a processing device may access, store, manipulate, process, and generate data in response to the execution of software. For ease of understanding, a single processing device may be described as being used; however, those skilled in the art will understand that a processing device includes multiple processing elements and/or multiple types of processing elements. It can be seen that it may include. For example, a processing device may include a plurality of processors or one processor and one controller. Additionally, other processing configurations, such as parallel processors, are possible.

Software may include a computer program, code, instructions, or a combination of one or more of these, which may configure a processing unit to operate as desired, or may be processed independently or collectively. You can command the device. Software and/or data may be used on any type of machine, component, physical device, virtual equipment, computer storage medium or device to be interpreted by or to provide instructions or data to a processing device. , or may be permanently or temporarily embodied in a transmitted signal wave. Software may be distributed over networked computer systems and stored or executed in a distributed manner. Software and data may be stored on one or more computer-readable recording media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc., singly or in combination. Program instructions recorded on the medium may be specially designed and configured for the embodiment or may be known and available to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. -Includes optical media (magneto-optical media) and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, etc. Examples of program instructions include machine language code, such as that produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter, etc. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

Although the embodiments have been described with limited drawings as described above, those skilled in the art can apply various technical modifications and variations based on the above. For example, the described techniques are performed in a different order than the described method, and/or components of the described system, structure, device, circuit, etc. are combined or combined in a different form than the described method, or other components are used. Alternatively, appropriate results may be achieved even if substituted or substituted by an equivalent.

Claims (15)

An application unit that receives and processes subscription applications for loan information provision services from customer terminals,
An information collection unit that externally collects customer information about the customer terminal for which the subscription application has been completed,
A calculation unit that calculates loan conditions for the customer based on the customer information, and
An information provision unit that provides the loan conditions to the customer terminal
financial system, including. In paragraph 1:
The application section is,
Providing terms and conditions to the customer terminal and receiving consent
financial system. In paragraph 1:
The application section is,
Check whether the real name number for the customer terminal is registered, and if not, request registration of the real name number from the customer terminal.
financial system. In paragraph 1:
The application section is,
Requesting identity verification and electronic signature verification from the customer terminal
financial system. In paragraph 1:
The information collection department,
Collecting the above customer information from public my data servers or credit information companies
financial system. In paragraph 5,
The customer information includes at least one of the customer's employment status, business operation status, income information, credit information, financial transaction history, and assets held.
financial system. In paragraph 1:
The loan conditions include the loanable amount and loan interest rate.
financial system. In paragraph 1:
The above customer did not apply for a separate loan.
financial system. In paragraph 1:
The information collection department, the calculation department, and the information provision department regularly perform work.
financial system. As a method for a financial system to provide financial services to customers who have not applied for a loan,
Receiving a service request from the customer terminal,
collecting customer information;
calculating loan conditions for the customer based on the customer information, and
Providing the loan conditions to the customer terminal
Financial service methods including. In paragraph 10:
After receiving the service application,
Sending the terms and conditions to the customer terminal and requesting consent to the consent form,
Determining whether the real name number of the customer terminal is registered,
If the real name number is not registered, requesting the customer terminal to register the real name number, and
Transmitting an identity verification and electronic signature request to the customer terminal
A financial service method further comprising: In paragraph 10:
The collecting step is,
Including collecting from public my data servers or credit information companies.
Financial services methods. In paragraph 10:
The customer information includes at least one of the customer's employment status, business operation status, income information, credit information, financial transaction history, and assets held.
Financial services methods. In paragraph 10:
The loan conditions include the loanable amount and loan interest rate.
Financial services methods. In paragraph 10:
The step of collecting the customer information, the step of calculating, and the step of providing the customer information are each performed multiple times on a regular basis.
Financial services methods.

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