WO2012018173A2 - Method for processing automatic loan - Google Patents

Method for processing automatic loan Download PDF

Info

Publication number
WO2012018173A2
WO2012018173A2 PCT/KR2011/003394 KR2011003394W WO2012018173A2 WO 2012018173 A2 WO2012018173 A2 WO 2012018173A2 KR 2011003394 W KR2011003394 W KR 2011003394W WO 2012018173 A2 WO2012018173 A2 WO 2012018173A2
Authority
WO
WIPO (PCT)
Prior art keywords
customer
loan
information
identification
financial institution
Prior art date
Application number
PCT/KR2011/003394
Other languages
French (fr)
Korean (ko)
Other versions
WO2012018173A3 (en
Inventor
이종명
Original Assignee
Lee Jong Myung
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Lee Jong Myung filed Critical Lee Jong Myung
Priority to JP2013524025A priority Critical patent/JP2013535755A/en
Publication of WO2012018173A2 publication Critical patent/WO2012018173A2/en
Publication of WO2012018173A3 publication Critical patent/WO2012018173A3/en

Links

Images

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/25—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition

Definitions

  • the present invention relates to an unmanned loan processing method, and more particularly, it is executed through an unmanned loan processing device connected to a financial institution server, a credit information agency server, and an unmanned loan institution server, and forgery and identification of the forgery of the identification card of the customer. After confirming the customer through recognition, etc., the bank selects the loanable financial institutions from the affiliated financial institutions based on the retrieved credit information and the desired loan amount, and provides the loanable amount and interest rate.
  • the present invention relates to an unmanned loan processing method for obtaining loan approval from at least one financial institution.
  • Korean Patent Publication No. 10-2002-0059949 (hereinafter referred to as "the first document") uses a fingerprint reader mounted on a CD and an ATM to process financial transactions using fingerprints having a unique form for each individual. After verifying the identity of a trader, a financial transaction method using a fingerprint for requesting a fingerprint transaction approval from a financial institution is disclosed. To this end, in the first document, financial institutions compare the fingerprint data acquired from the trader's fingerprint and the resident registration card in response to the fingerprint transaction request from the trader, and permit financial transactions according to the result. This should be confirmed in real time.
  • 10-2004-0021747 (hereinafter referred to as "2nd document") captures a user's face and transmits it to a network server for identity verification, and scans a user's fingerprint and user's identification card to a network server.
  • a loan-only card issuing apparatus is disclosed which allows a network server to verify a user's identity by transmitting.
  • Korean Utility Model Registration Publication No. 181614 discloses a cash withdrawal device for storing a fingerprint in a storage means and withdrawing cash by determining the coincidence with the fingerprint stored in the card.
  • the first, second and third documents mentioned above allow financial transactions with reference to whether the user's fingerprint matches the fingerprint of the identification card. However, if the ID card is forged, there is a significant risk in determining whether or not the financial transaction is granted based on the coincidence of the fingerprints.
  • the present invention has been made to solve the above-mentioned conventional problems, the object of the present invention is to identify the customer's identity even if the customer's ID card is forged or altered, and from the customer's loan amount and ID card Unmanned loans can be retrieved based on the information obtained, and one-stop loans can be approved without having to prepare a copy of the resident registration, seal certificate, and other documents required by a financial institution. To provide a treatment method.
  • another object of the present invention is to cooperate with a plurality of financial institutions, to present a financial institution most favorable conditions in terms of interest rate, loan amount, etc. to the loanable customers, or all according to the ranking determined by the above conditions.
  • the present invention provides an unmanned loan processing method in which loans can be executed under favorable conditions for customers by inducing desirable competition among a plurality of financial institutions.
  • Another object of the present invention is to determine the priority of the financial institution that can contact the customer according to the terms of the agreement between the plurality of financial institutions and the unmanned loan institution, so that the unmanned loan institution and the financial institution under more favorable conditions
  • the present invention provides a method for dealing with unmanned loans that can be encouraged to cooperate, thus enabling more active transactions in unmanned loans.
  • another object of the present invention is to meet the mobile trend by simply executing a mobile loan by utilizing the mobile terminal app in the technology flow that the communication environment is developed by the mobile terminal, the mobile terminal app is active.
  • the present invention for achieving the above object is carried out through the unmanned loan processing device connected to the financial institution server, credit information agency server, and unmanned loan agency server, (a) identification of customer forgery and identification of the customer Authenticating; (b) receiving a loan request amount of the customer on the premise of forgery of identification card and completion of authentication of the identification of the customer; (c) requesting the credit rating of the customer from the credit bureau server using the customer information verified through the loan request amount and ID card of the customer and receiving the response; (d) querying a database provided from each of the affiliated financial institution servers based on the credit rating and the desired loan amount of the customer, and selecting and presenting to the customer a financial institution which is available for loaning; (e) if one of the presented financial institutions is selected by the customer, requesting the selected financial institution to apply for a loan execution input by the customer; And (f) receiving loan approval information from a financial institution that has requested a loan execution application and informing a customer of the result of the loan approval.
  • step (a) comprises the steps of (a-1) receiving an ID of a customer; (a-2) detecting image information by image-taking the input ID card, and comparing the infrared transmission value obtained by irradiating the ID card with infrared rays and determining the forgery of the ID card by comparing the standard infrared transmission value provided in the database; (a-3) discontinuing the proceedings of the unmanned loan upon forgery of the identification card as a result of the determination; (a-4) determining the identification of the customer by capturing the fingerprint of the customer when the identification of the identification card is normal and acquiring the fingerprint information, and comparing it with the image information of the fingerprint obtained from the identification card of the customer; And (a-5) if the fingerprint is inconsistent as a result of the identification of the customer, stopping the procedure of proceeding with the unmanned loan, and if the fingerprint is matched, completing the customer authentication for the next proceeding of the unmanned loan. .
  • the step (a) comprises the steps of (a-11) receiving the identification card of the customer and detecting the image information through image capturing of the identification card; (a-12) photographing the fingerprint of the customer to obtain fingerprint information; (a-13) determining the identity by comparing the fingerprint of the image information detected through the image capturing of the identification card with the fingerprint information of the fingerprint of the customer; (a-14) discontinuing the proceedings of the unmanned loan in case of inconsistency as a result of the determination of identity; (a-15) determining the identity by comparing the fingerprint or the fingerprint information of the image information with the fingerprint information registered by the customer in the government agency if the match is found; And (a-16) If the customer is inconsistent with the fingerprint information registered with the government agency, the ID card forgery is judged to be suspended, and the procedure of unmanned loan is stopped. Comprising a step of completing the customer authentication to process normal.
  • the unmanned loan processing method according to the present invention may further include (g) recording and storing the front face image of the customer who is performing the unmanned loan.
  • the step (d) is performed when the selected financial institution is presented to a plurality of customers, in the order of low interest rate, the order of high loanable amount, and the order according to the contract terms concluded between the financial institution and the unmanned loan institution.
  • the loan priority of the financial institution is determined by either one, and the information of the financial institution with the highest priority is given priority to the customer.
  • the financial institution of the highest priority among the financial institutions may be displayed through the unmanned loan processing apparatus, or all selected financial institutions may be sequentially displayed according to the ranking.
  • the financial institution may be displayed through the assignment of the priority which alternates with the loan request reception order.
  • Another example of the present invention for achieving the above object is carried out through the unmanned loan processing device connected to the financial institution server, credit information agency server, and unmanned loan agency server, (a) forgery of the identification card of the customer and the customer Authenticating the identity verification of the; (b) requesting the credit rating of the customer from the credit bureau server using the customer information confirmed through the identification card of the customer and receiving a response; (c) querying a database provided from each of the affiliated financial institution servers based on the credit rating of the customer, and selecting a financial institution that can be loaned among them and presenting it to the customer; (d) if one of the presented financial institutions is selected by the customer, requesting the selected financial institution to apply for a loan execution input by the customer; And (e) receiving loan approval information from the financial institution that requested the loan execution request and informing the customer of the result of the loan approval; wherein the step (a) includes the image information detected through the imaging of the identification card of the customer.
  • a method of processing an unmanned loan characterized in that forgery of the identification card of the customer and verification of the identity of the customer are completed by comparing the first fingerprint, the second fingerprint obtained by capturing the fingerprint of the customer, and the third fingerprint registered with the government agency. It starts.
  • the step (c) includes a maximum loanable amount and interest rate information that can be provided by each financial institution according to the credit rating of the customer when selecting and presenting a financial institution that can be borrowed. to provide.
  • the priority of the loanable financial institution is presented to the customer in the order of the maximum loanable amount requested by the customer, or in the order of low interest rate.
  • the present invention is executed through a mobile terminal wirelessly connected to a financial institution server, a credit information agency server, and an unmanned loan institution server, (a) a customer photographed using the mobile terminal Receiving identification information of the customer and the appearance of the customer and authenticating the identity of the customer, and storing the identification information and the appearance of the customer; (b) receiving a loan desired amount of the customer on the premise of completing the identification of the customer through identification and appearance information of the customer; (c) requesting the credit rating of the customer from the credit bureau server using the customer information verified through the loan request amount and ID card of the customer to receive a response; (d) querying a database provided from each of the affiliated financial institution servers based on the credit rating and the desired loan amount of the customer, and selecting and presenting to the customer a financial institution which can be loaned among them; (e) if one of the presented financial institutions is selected by the customer, requesting the selected financial institution to apply for a loan execution input by the customer; And (f)
  • the present invention is implemented through a mobile terminal wirelessly connected to a financial institution server, a credit information agency server, and an unmanned loan institution server, (a) a customer photographed using the mobile terminal Receiving identification information of the customer and the appearance of the customer, and authenticating the identity of the customer, and storing the identification information and the appearance of the customer; (b) requesting the credit rating of the customer from the credit bureau server using the customer information confirmed through the identification card of the customer and receiving a response; (c) querying a database provided from each of the affiliated financial institution servers based on the credit rating of the customer, and selecting a financial institution that can be loaned among them and presenting it to the customer; (d) if one of the presented financial institutions is selected by the customer, requesting the selected financial institution to apply for a loan execution input by the customer; And (e) receiving loan approval information from the financial institution that requested the loan execution request and informing the customer of the result of the loan approval; wherein the step (a) includes image information detected through imaging
  • the identification of the customer can be confirmed, and the loan-related documents required for the loan approval (for example, a resident registration copy, a seal certificate, a copy of a health insurance card, a copy of the abdominal tax certificate) It is expected to have a quick one-stop loan approval as a simple loan can be made with one identification card without the need for preparing a certificate of employment, employment certificate, etc.).
  • the loan-related documents required for the loan approval for example, a resident registration copy, a seal certificate, a copy of a health insurance card, a copy of the abdominal tax certificate
  • the benefits can be expected to return to the customer as it is expected.
  • the communication environment by the mobile terminal is developed, and by simply executing a mobile loan using the mobile terminal app in the technology flow that the mobile terminal app is active, there is an effect of responding to the mobile trend.
  • FIG 2 is an external view of an unmanned loan processing apparatus according to the present invention
  • 3 is a view for explaining the structure of the core and the triangular point provided in the fingerprint
  • FIG. 4 is a flowchart illustrating an unmanned loan processing method according to an embodiment of the present invention.
  • FIG. 5 is an operation sequence diagram showing the forgery and identity verification step of identification of the customer in the unmanned loan processing method according to FIG.
  • FIG. 6 is a flowchart illustrating another example of the ID card forgery and identification verification step of the unmanned loan processing method according to FIG. 4;
  • FIG. 7 is a flowchart illustrating an unmanned loan processing method according to another embodiment of the present invention.
  • FIG. 8 is a reference diagram showing the selection and display of the financial institutions that can be loaned according to the present invention.
  • FIG. 9 is an operation flowchart showing an unmanned loan processing method according to an embodiment of a loan method using a mobile terminal of the present invention.
  • FIG. 10 is a flowchart illustrating an unmanned loan processing method according to another embodiment of a loan method using a mobile terminal of the present invention.
  • unmanned loan processing device 101 display unit
  • ID card insertion hole 104 input unit
  • Figure 1 shows an exemplary system configuration diagram applied to the unmanned loan processing method according to an embodiment of the present invention
  • Figure 2 shows an external view of the unmanned loan processing apparatus according to the present invention
  • Figure 3 is provided in the fingerprint The figure for demonstrating the structure of a core and a triangular point is shown.
  • the financial institution server 10 is a bank that provides a loan service according to a customer's credit rating, and includes second and third financial institutions including a general first financial institution, and the credit information server server 20 provides a loan.
  • the unmanned loan institution server 30 serves to manage a plurality of unmanned loan processing apparatus 100, the unmanned loan processing apparatus 100 is installed in an unspecified place It is a kiosk device that provides a service of unmanned loan processing.
  • the unmanned loan processing apparatus 100 managed by the unmanned loan institution server 30 is a kiosk type unmanned apparatus, which includes a display unit 101, an ID card insertion slot 102, and an input unit 104. , A fingerprint imaging unit 106, and a camera 107 are provided.
  • the display unit 101 may display one of a usage of an unmanned loan, an introduction and advertisement for an unmanned loan institution, and a company advertisement of a company that requested an advertisement.
  • a customer who wants an unmanned loan service is inserted with his or her ID card (resident registration card or another ID card having fingerprint information of the customer).
  • the input unit 104 may have a form in which the LCD 104b and the touch screen 104a are combined.
  • the input unit 104 is an input device used by a customer who requests an unmanned loan service for information input of an unmanned loan. Apart from the configuration of the keypad 150 can be applied.
  • the configuration of the input unit 104 and the keypad 150 may be combined or individually configured as a customer input interface.
  • the fingerprint imaging unit 106 scans the thumb of the customer to obtain fingerprint information.
  • the fingerprint information reads the fingerprint form (classified into the form of a fingerprint, usually an arc, a two-door, a double door, a regular door, and a half door), and a plurality of triangular points provided on the fingerprint. do.
  • the camera 107 serves to capture the face of the customer during the provision of unmanned loan service to prevent financial accidents that may occur, and the captured facial image of the customer is the unmanned loan agency server 30 or the corresponding.
  • the financial institution server 10 may be stored and managed.
  • FIG. 4 is an operation flowchart showing an unmanned loan processing method according to an embodiment of the present invention
  • Figure 5 is an operation flowchart showing an authentication step of forgery and identification of the identification card of the customer in the unmanned loan processing method according to the present invention
  • Figure 6 is a flow chart of another example of the unmanned loan processing method according to the present invention, showing the authentication step of forgery and identification of the customer identification.
  • the financial institution server 10, the credit information agency server 20, and the unmanned loan processing device 100 connected to the unmanned loan agency server 30 and the network 40 is forgery of the identification card of the customer and identification of the customer Authenticate (S110).
  • the forgery of the identification card of the customer and the authentication step (S110) of the identification of the customer may be processed by a process as shown in FIG. 5.
  • the unmanned loan processing apparatus 100 receives an ID of a customer through an ID card insertion hole 102 (S111), detects image information by imaging an ID card input through the ID card insertion hole 102, and enters an ID card. By comparing the infrared transmission value obtained by irradiating the infrared ray and the standard infrared transmission value provided in the database (not shown) it is determined whether the ID card forgery (S112).
  • the process of proceeding with the unmanned loan is stopped (S113), when the identification of the identification card of the customer through the fingerprint imaging unit 106 to fingerprint the fingerprint Obtaining the information, and checks the identity of the customer by comparing it with the image information of the fingerprint obtained from the identification card of the customer (S114).
  • Figure 6 is an operation flow chart of another example showing the authentication step of forgery and identification of the identification card of the unmanned loan processing method according to the present invention.
  • the unmanned loan processing apparatus 100 receives an ID of a customer through an ID insertion slot 102 and detects image information through image capturing of the ID (S121).
  • the unmanned loan processing apparatus 100 obtains fingerprint information by imaging the fingerprint of the customer through the fingerprint imaging unit 106 (S122).
  • the unmanned loan processing apparatus 100 determines the sameness through the comparison of the fingerprint of the image information detected through the image capturing of the identification card in step S121 and the fingerprint information of the fingerprint of the customer in step S122. (S123).
  • the unmanned loan processing apparatus 100 determines that the ID card is forgery when it is inconsistent with the fingerprint information registered by the government agency and stops the procedure of unmanned loan (S126), and the customer matches the fingerprint information registered by the government agency.
  • the city completes customer authentication for handling ID card forgery and customer confirmation as normal (S127).
  • the authentication step (S110) shown in Figure 5 is a method for determining whether the forgery of the identification card, by determining the forgery through the analysis of the unique infrared transmission value of the identification card, it is strictly security management in government agencies On the premise, the forgery is judged, and the authentication of the forgery and identification of the customer is completed by comparing the fingerprint of the image information captured on the ID card with the fingerprint information input by the customer who is in the process of unmanned loan.
  • the authentication step (S110) shown in FIG. 6 determines the identity of the fingerprint of the image information captured by the customer's identification card and the fingerprint information captured by the customer's fingerprint, and then re-registers the fingerprint information registered with the government agency. This is done by comparing the process of determining identity.
  • the identification of the forgery of the ID card is compared with the fingerprint of the image information detected from the identification card of the customer, the fingerprint information of the customer, and the fingerprint information registered in the government agency. The verification of the customer's identification is completed.
  • the fingerprint information registered with the government agency is usually used when creating the first identification card, even if the original identification card for the crime is forged and used, it is possible to check the forgery in the identification of the customer, thereby causing a financial accident due to the forgery. Can be prevented in advance.
  • the unmanned loan processing apparatus 100 receives the loan desired amount of the customer on the premise that the forgery of the identification card and the authentication of the identification of the customer are completed (S130).
  • the unmanned loan processing apparatus 100 receives the customer's credit rating from the credit information agency server 20 by using the customer information confirmed through the loan request amount and ID card of the customer (S140).
  • the unmanned loan processing apparatus 100 queries the database provided from each financial institution server 10 associated with the customer based on the customer's credit rating and the desired amount of loan, and selects a financial institution that can be loaned to the customer. It is presented (S150).
  • step (S150) when a plurality of selected financial institutions are presented to the customer, the order of the lower interest rate, the higher the loanable amount and the order according to the contract terms concluded between the financial institution and the unmanned loan institution
  • the loan priority of the financial institution is determined by one, and the information of the high priority financial institution is given priority to the customer.
  • the financial institutions of the highest priority among the financial institutions may be displayed, or all of the selected financial institutions may be sequentially displayed according to the ranking.
  • the priority of the financial institutions when the priority of the financial institutions is not equal to determine the priority, it may be displayed through the assignment of the priority to alternate with the loan request reception order.
  • the unmanned loan processing apparatus 100 receives the loan approval information from the financial institution that requested the loan execution application and informs the result of the loan approval to the customer (S170).
  • the unmanned loan processing apparatus 100 records and stores the front face image of the customer in progress unmanned loan through the camera 107 (S180). Afterwards, the recorded front face image of the customer may be transmitted and managed through the network 40 to the financial institution server 10 or the unmanned loan institution server 30.
  • FIG. 7 is a flowchart illustrating an unmanned loan processing method according to another embodiment of the present invention.
  • the unmanned loan processing apparatus 100 authenticates the identification card forgery and identification of the customer (S210).
  • the step (S210) is the first fingerprint of the image information detected through the image capture in the identification card of the customer inserted into the identification card insertion hole 102, and the image obtained by imaging the fingerprint of the customer through the fingerprint imaging unit 106 2 through the fingerprint and the comparison of the third fingerprint registered with the government agency forgery of the identification card of the customer and the identification of the customer is completed (S211).
  • the unmanned loan processing apparatus 100 receives the customer's credit rating from the credit information agency server 20 by using the customer information confirmed through the identification card of the customer (S220).
  • the unmanned loan processing apparatus 100 inquires a database (not shown) provided from each of the affiliated financial institution servers 10 based on the credit rating of the customer, and selects a financial institution that can be loaned to the customer. It is presented (S230).
  • the step (S230) when selecting a financial institution that can be loaned to present to the customer, and provides the maximum loanable amount that can be provided by each financial institution, and interest rate information according to the customer's credit rating
  • the priority of the loanable financial institution to the customer may be sequentially provided through the display in the order of the maximum loanable amount requested by the customer or in the order of low interest rate.
  • FIG. 8 is a reference diagram showing the selection and display of the financial institutions that can be loaned according to the present invention.
  • FIG. 8 (a) shows data for selecting loanable financial institutions that can be presented to the customer in the unmanned loan processing apparatus 100
  • FIG. FIG. 8C illustrates a case in which the customer requests the loan interest rates in descending order.
  • a customer when a customer is provided with a loanable financial institution according to his or her credit rating, the customer is provided with a financial institution selected in the order of a financial institution with a large loan amount or a financial institution with a low loan interest rate.
  • One of the agencies will be able to request an unattended loan service.
  • the unmanned loan processing apparatus 100 receives the loan approval information from the financial institution that requested the loan execution application and informs the result of the loan approval to the customer (S250).
  • the present invention can easily apply for a loan using a mobile terminal, which is shown in Figures 10 and 11, respectively.
  • the unmanned loan processing apparatus 100 receives the identification card and the appearance of the customer by using the mobile terminal to authenticate the identity of the customer (S310).
  • the unmanned loan processing apparatus 100 receives the customer's credit rating from the credit information agency server 20 by using the customer information confirmed through the identification card of the customer (S320).
  • the unmanned loan processing apparatus 100 inquires a database (not shown) provided from each of the affiliated financial institution servers 10 based on the credit rating of the customer, and selects a financial institution that can be loaned to the customer. It is presented (S330).
  • the step (S330) when selecting a financial institution that can be borrowed to present to the customer, and provides the maximum loanable amount that can be provided by each financial institution, and interest rate information according to the customer's credit rating
  • the priority of the loanable financial institution presented to the customer may be sequentially provided through the display either in the order of the maximum loanable amount requested by the customer or in the order of low interest rate.
  • an ID card that is photographed by a customer and transmitted through a mobile terminal is compared with a feature of the customer, and an image recognition comparison process is performed to compare similarities between the photograph on the ID card and the appearance of the customer.
  • the step (S411) may be further performed to execute the following steps for executing the loan only when the photograph and the appearance are similar.
  • the identification card and the image of the customer's appearance can be transmitted to the unmanned loan processing device.
  • the process of comparing and confirming the similarity between the photo of the identification card and the appearance of the client sets several variables such as the face contour, eyes, nose, mouth position and size, and then converts these variables into each image.
  • the variable for image comparison can be set in various ways, it is not limited to the items listed, such as the outline of the face as described above.
  • the unmanned loan processing method according to the present invention can be applied not only to loans in ordinary banks but also to second financial institutions or loan businesses, and can provide a more convenient loan environment to customers.
  • the present invention despite using only the identification card and fingerprint of the customer, it is possible to accurately identify the user for the loan approval, so there is no need to go through the procedures such as authentication using a mobile phone or customer identification through a credit card, etc.
  • the process of identity verification for customers has a simple advantage.
  • the present invention can be a great alternative as these problems need to be improved.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Development Economics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Collating Specific Patterns (AREA)

Abstract

The present invention relates to a processing method for an automatic loan, and more specifically, to the processing method for an automatic loan, wherein: the invention is carried out through an automatic loan processing device which is connected with a financial institution server, a credit information institution server, and an automatic loan institution server; forgery or falsification of a customer ID is discerned, and a customer is confirmed as the user through fingerprint verification and the like; financial institutions capable of providing a loan are selected among the associated financial institutions on the basis of the inquired credit information and a desired amount of the loan, and at the same time, money that is able to be loaned and a rate of interest are provided; and the customer receives a loan approval from at least one of the selected financial institutions.

Description

무인대출 처리방법Unmanned Loan Treatment
본 발명은 무인대출 처리방법에 관한 것으로, 더욱 상세하게는 금융기관 서버, 신용정보기관 서버, 및 무인대출기관 서버와 연결되는 무인대출 처리장치를 통하여 실행되며, 고객의 신분증의 위변조를 판별하고 지문인식 등을 통하여 고객 본인을 확정한 후, 조회된 신용정보와 대출희망 금액을 기초로 제휴된 금융기관 중 대출가능한 금융기관을 선별함과 동시에 대출가능 금액 및 이자율을 제공하고, 고객은 이 중 선택된 적어도 어느 하나의 금융기관으로부터 대출승인을 득하도록 하는 무인대출 처리방법에 관한 것이다.The present invention relates to an unmanned loan processing method, and more particularly, it is executed through an unmanned loan processing device connected to a financial institution server, a credit information agency server, and an unmanned loan institution server, and forgery and identification of the forgery of the identification card of the customer. After confirming the customer through recognition, etc., the bank selects the loanable financial institutions from the affiliated financial institutions based on the retrieved credit information and the desired loan amount, and provides the loanable amount and interest rate. The present invention relates to an unmanned loan processing method for obtaining loan approval from at least one financial institution.
효율적인 인력운용을 위해 상당수의 금융기관에서는 무인 현금지급, 및 통장정리를 위한 키오스크 형태의 무인 단말기들을 운용하고 있다. 이들 무인 단말기들은 고객의 카드, 및 신용카드에서 고객정보를 획득하고, 이를 금융기관 서버에 마련되는 정보와 대조하여 금융거래에 대한 허여 여부를 판단하고 있다. 현재, 금융기관의 무인화를 위한 다양한 방법 및 시스템이 제안되고 있으며, 기존에 공개된 특허문건들을 정리하면 다음과 같다.For efficient manpower management, many financial institutions operate unmanned cash payments and kiosk-type unmanned terminals for account bookkeeping. These unmanned terminals obtain customer information from a customer's card and a credit card, and compare the information with information provided on a server of a financial institution to determine whether to permit financial transactions. Currently, various methods and systems for unmanned financial institutions have been proposed, and summarized patent documents as follows.
한국공개특허 10-2002-0059949(이하, 제1문헌 이라 함)에는 각 개인별로 고유한 형태를 갖는 지문을 이용하여 금융거래를 처리하기 위해, CD, 및 ATM기에 장착되는 지문판독장치를 이용하며, 거래자의 신분을 확인 후, 금융기관에 지문거래 승인을 요청하는 지문을 이용한 금융거래 방법이 개시되어 있다. 이를 위해 제1문헌에서는 금융기관이 거래자로부터의 지문거래 요청에 응답하여 거래자의 지문 및 주민등록증에서 취득한 지문데이터를 비교하고 그 결과에 따라 금융 거래를 허여하고 있으며, 금융기관에서는 지문거래 승인이 요청되면 이를 실시간으로 확인해 주어야 한다. 한국특허공개 10-2004-0021747(이하, 제2문헌 이라 함)에는 사용자의 얼굴을 촬상하고 이를 네트워크 서버로 전송하여 본인 확인을 수행하며, 사용자의 지문과, 사용자의 신분증을 스캐닝하여 네트워크 서버로 전송함으로써 네트워크 서버에서 사용자의 신원을 확인하도록 하는 대출전용카드 발급장치가 개시되어 있다.Korean Patent Publication No. 10-2002-0059949 (hereinafter referred to as "the first document") uses a fingerprint reader mounted on a CD and an ATM to process financial transactions using fingerprints having a unique form for each individual. After verifying the identity of a trader, a financial transaction method using a fingerprint for requesting a fingerprint transaction approval from a financial institution is disclosed. To this end, in the first document, financial institutions compare the fingerprint data acquired from the trader's fingerprint and the resident registration card in response to the fingerprint transaction request from the trader, and permit financial transactions according to the result. This should be confirmed in real time. Korean Patent Publication No. 10-2004-0021747 (hereinafter referred to as "2nd document") captures a user's face and transmits it to a network server for identity verification, and scans a user's fingerprint and user's identification card to a network server. A loan-only card issuing apparatus is disclosed which allows a network server to verify a user's identity by transmitting.
한국실용신안등록공보 181614(이하, 제3문헌 이라 함)호에는 지문을 기억수단에 저장하고, 카드에 저장된 지문과의 일치성을 판별하여 현금을 인출하는 현금인출장치가 개시되어 있다.Korean Utility Model Registration Publication No. 181614 (hereinafter referred to as "3rd document") discloses a cash withdrawal device for storing a fingerprint in a storage means and withdrawing cash by determining the coincidence with the fingerprint stored in the card.
상기 언급된 제1문헌, 제2문헌, 제3문헌에는 사용자의 지문과 신분증의 지문의 일치 여부를 참조하여 금융거래를 허여하고 있다. 그러나, 신분증이 위조되는 경우, 지문의 일치 여부만으로 금융거래의 허여 여부를 판단하는데는 상당한 위험부담이 따른다.The first, second and third documents mentioned above allow financial transactions with reference to whether the user's fingerprint matches the fingerprint of the identification card. However, if the ID card is forged, there is a significant risk in determining whether or not the financial transaction is granted based on the coincidence of the fingerprints.
따라서, 본 발명은 상기와 같은 종래의 문제점을 해결하기 위해 안출된 것으로서, 본 발명의 목적은 고객의 신분증이 위조 또는 변조되는 경우에도 고객의 신분이 확인 가능하며, 고객의 대출희망금액과 신분증으로부터 획득되는 정보를 기초로 신용등급의 조회가 가능하고, 통상적인 대출실행에 요구되는 주민등록등본 및 인감증명서와 기타 금융기관에서 요청하는 서류를 준비하지 않고도 원스톱으로 무인대출 승인을 받을 수 있는 무인대출 처리방법을 제공하는데 있다.Therefore, the present invention has been made to solve the above-mentioned conventional problems, the object of the present invention is to identify the customer's identity even if the customer's ID card is forged or altered, and from the customer's loan amount and ID card Unmanned loans can be retrieved based on the information obtained, and one-stop loans can be approved without having to prepare a copy of the resident registration, seal certificate, and other documents required by a financial institution. To provide a treatment method.
또한, 본 발명의 다른 목적은 복수의 금융기관과 제휴하고, 대출가능한 고객에게 이자율, 대출가능금액 등에서 가장 유리한 조건을 제시하는 금융기관을 최우선적으로 제시하거나 위 조건에 의해 결정되는 순위에 따라 모든 금융기관을 순차적으로 제시하도록 함으로써 복수의 금융기관 간 바람직한 경쟁을 유발하여 고객에게 보다 유리한 조건으로 대출이 실행될 수 있는 무인대출 처리방법을 제공하는 데 있다.In addition, another object of the present invention is to cooperate with a plurality of financial institutions, to present a financial institution most favorable conditions in terms of interest rate, loan amount, etc. to the loanable customers, or all according to the ranking determined by the above conditions. By presenting financial institutions sequentially, the present invention provides an unmanned loan processing method in which loans can be executed under favorable conditions for customers by inducing desirable competition among a plurality of financial institutions.
또한, 본 발명의 또 다른 목적은 복수의 금융기관과 무인대출기관 간의 계약조건에 따라 고객과 접촉할 수 있는 금융기관의 우선순위가 결정되도록 함으로써, 무인대출기관이 보다 유리한 조건에 의해 금융기관과 제휴하도록 유도할 수 있으며, 따라서 무인대출의 거래가 보다 활성화될 수 있도록 하는 무인대출 처리방법을 제공하는 데 있다.In addition, another object of the present invention is to determine the priority of the financial institution that can contact the customer according to the terms of the agreement between the plurality of financial institutions and the unmanned loan institution, so that the unmanned loan institution and the financial institution under more favorable conditions The present invention provides a method for dealing with unmanned loans that can be encouraged to cooperate, thus enabling more active transactions in unmanned loans.
또한, 본 발명의 또 다른 목적은 모바일 단말기에 의한 통신환경이 발달하고, 모바일 단말기용 앱이 활성화되고 있는 기술흐름 속에서 모바일 단말기용 앱을 활용하여 간편하게 모바일 대출을 실행함으로써, 모바일 트랜드에 부응하도록 하는 무인대출 처리방법을 제공하는 데 있다. In addition, another object of the present invention is to meet the mobile trend by simply executing a mobile loan by utilizing the mobile terminal app in the technology flow that the communication environment is developed by the mobile terminal, the mobile terminal app is active. To provide an unmanned loan processing method.
상기와 같은 목적을 달성하기 위한 본 발명은, 금융기관 서버, 신용정보기관 서버, 및 무인대출기관 서버와 연결되는 무인대출 처리장치를 통하여 실행되며, (a) 고객의 신분증 위변조와 고객의 신원 확인을 인증하는 단계; (b) 신분증 위변조 및 고객의 신원 확인의 인증 완료를 전제로 고객의 대출희망금액을 입력받는 단계; (c) 고객의 대출희망금액 및 신분증을 통해 확인된 고객정보를 이용하여 상기 신용정보기관 서버에 고객의 신용등급을 요청하여 응답받는 단계; (d) 고객의 신용등급 및 대출희망금액을 기초로 제휴된 각 금융기관 서버로부터 제공되는 데이터베이스를 조회하고, 이 중 대출이 가능한 금융기관을 선별하여 고객에게 제시하는 단계; (e) 제시되는 금융기관 중 하나가 고객에 의해 선택되면, 그 선택된 금융기관에 고객이 입력하는 대출실행 신청을 요청하는 단계; 및 (f) 대출실행 신청을 요청한 금융기관으로부터 대출승인 정보를 받아 고객에게 대출승인의 결과를 알리는 단계;를 포함하는 것을 특징으로 하는 무인대출 처리방법을 개시한다.The present invention for achieving the above object is carried out through the unmanned loan processing device connected to the financial institution server, credit information agency server, and unmanned loan agency server, (a) identification of customer forgery and identification of the customer Authenticating; (b) receiving a loan request amount of the customer on the premise of forgery of identification card and completion of authentication of the identification of the customer; (c) requesting the credit rating of the customer from the credit bureau server using the customer information verified through the loan request amount and ID card of the customer and receiving the response; (d) querying a database provided from each of the affiliated financial institution servers based on the credit rating and the desired loan amount of the customer, and selecting and presenting to the customer a financial institution which is available for loaning; (e) if one of the presented financial institutions is selected by the customer, requesting the selected financial institution to apply for a loan execution input by the customer; And (f) receiving loan approval information from a financial institution that has requested a loan execution application and informing a customer of the result of the loan approval.
바람직하게는, 상기 (a) 단계는 (a-1) 고객의 신분증을 입력받는 단계; (a-2) 입력된 신분증을 이미지 촬상하여 이미지 정보를 검출하고, 신분증에 적외선을 조사하여 얻은 적외선 투과값과 데이터베이스에 기 마련된 표준 적외선 투과값을 비교하여 신분증의 위변조 여부를 판단하는 단계; (a-3) 판단결과, 신분증의 위변조시 무인대출의 진행 절차를 중단하는 단계; (a-4) 판단결과, 신분증의 정상 확인시 고객의 지문을 촬상하여 지문정보를 획득하고, 이를 고객의 신분증으로부터 획득되는 지문의 이미지 정보와 대조하여 고객의 신원을 확인하는 단계; 및 (a-5) 고객 신원의 확인 결과, 지문이 불일치되는 경우에는 무인대출의 진행 절차를 중단하고, 지문이 일치되는 경우 무인대출의 다음 진행을 위한 고객 인증을 완료하는 단계;를 포함하여 이루어진다.Preferably, step (a) comprises the steps of (a-1) receiving an ID of a customer; (a-2) detecting image information by image-taking the input ID card, and comparing the infrared transmission value obtained by irradiating the ID card with infrared rays and determining the forgery of the ID card by comparing the standard infrared transmission value provided in the database; (a-3) discontinuing the proceedings of the unmanned loan upon forgery of the identification card as a result of the determination; (a-4) determining the identification of the customer by capturing the fingerprint of the customer when the identification of the identification card is normal and acquiring the fingerprint information, and comparing it with the image information of the fingerprint obtained from the identification card of the customer; And (a-5) if the fingerprint is inconsistent as a result of the identification of the customer, stopping the procedure of proceeding with the unmanned loan, and if the fingerprint is matched, completing the customer authentication for the next proceeding of the unmanned loan. .
바람직하게는, 상기 (a) 단계는 (a-11) 고객의 신분증을 입력받고, 그 신분증의 이미지 촬상을 통해 이미지 정보를 검출하는 단계; (a-12) 고객의 지문을 촬상하여 지문정보를 획득하는 단계; (a-13) 신분증의 이미지 촬상을 통해 검출한 이미지 정보의 지문과, 고객의 지문을 촬상한 지문정보의 비교를 통해 동일성을 판단하는 단계; (a-14) 동일성 판단결과, 불일치하는 경우에는 무인대출의 진행절차를 중단하는 단계; (a-15) 동일성 판단결과, 일치하는 경우 상기 이미지 정보의 지문이나 지문정보 중 하나와 고객이 정부기관에 등록한 지문정보의 비교를 통해 동일성을 판단하는 단계; 및 (a-16) 고객이 정부기관에 등록한 지문정보와의 불일치시 신분증 위변조로 판단하여 무인대출의 진행절차를 중단하고, 고객이 정부기관에 등록한 지문정보와 일치시에 신분증 위변조 및 고객 확인을 정상으로 처리하는 고객 인증을 완료하는 단계;를 포함하여 이루어진다.Preferably, the step (a) comprises the steps of (a-11) receiving the identification card of the customer and detecting the image information through image capturing of the identification card; (a-12) photographing the fingerprint of the customer to obtain fingerprint information; (a-13) determining the identity by comparing the fingerprint of the image information detected through the image capturing of the identification card with the fingerprint information of the fingerprint of the customer; (a-14) discontinuing the proceedings of the unmanned loan in case of inconsistency as a result of the determination of identity; (a-15) determining the identity by comparing the fingerprint or the fingerprint information of the image information with the fingerprint information registered by the customer in the government agency if the match is found; And (a-16) If the customer is inconsistent with the fingerprint information registered with the government agency, the ID card forgery is judged to be suspended, and the procedure of unmanned loan is stopped. Comprising a step of completing the customer authentication to process normal.
본 발명에 따른 무인대출 처리방법은, (g) 무인대출을 진행중인 고객의 전면 얼굴영상을 녹화하여 저장하는 단계;를 더 포함한다.The unmanned loan processing method according to the present invention may further include (g) recording and storing the front face image of the customer who is performing the unmanned loan.
바람직하게는, 상기 (d) 단계는 선별된 금융기관이 복수로 고객에게 제시될 때, 이자율이 낮은 순서, 대출가능금액이 높은 순서 및 금융기관과 무인대출기관 간에 체결된 계약조건에 따른 순서 중 어느 하나에 의해서 금융기관의 대출 우선순위가 결정되고, 그 우선순위가 높은 금융기관의 정보가 우선하여 고객에게 제공된다.Preferably, the step (d) is performed when the selected financial institution is presented to a plurality of customers, in the order of low interest rate, the order of high loanable amount, and the order according to the contract terms concluded between the financial institution and the unmanned loan institution. The loan priority of the financial institution is determined by either one, and the information of the financial institution with the highest priority is given priority to the customer.
바람직하게는, 본 발명은 상기 무인대출 처리장치를 통하여, 상기 금융기관 중 최우선순위의 금융기관이 디스플레이되거나, 혹은 선별된 금융기관 모두가 순위에 따라 순차로 디스플레이될 수 있다.Preferably, in the present invention, the financial institution of the highest priority among the financial institutions may be displayed through the unmanned loan processing apparatus, or all selected financial institutions may be sequentially displayed according to the ranking.
여기서, 상기 금융기관의 순위가 동등하여 우선순위를 결정할 수 없는 경우, 대출 요청 접수 순번에 대응하여 교번하는 우선순위의 부여를 통해 디스플레이될 수 있다.In this case, when the priority of the financial institution is not equal to determine the priority, the financial institution may be displayed through the assignment of the priority which alternates with the loan request reception order.
상기와 같은 목적을 달성하기 위한 다른 일례의 본 발명은, 금융기관 서버, 신용정보기관 서버, 및 무인대출기관 서버와 연결되는 무인대출 처리장치를 통하여 실행되며, (a) 고객의 신분증 위변조와 고객의 신원 확인을 인증하는 단계; (b) 고객의 신분증을 통해 확인된 고객정보를 이용하여 상기 신용정보기관 서버에 고객의 신용등급을 요청하여 응답받는 단계; (c) 고객의 신용등급을 기초로 제휴된 각 금융기관 서버로부터 제공되는 데이터베이스를 조회하고, 이 중 대출이 가능한 금융기관을 선별하여 고객에게 제시하는 단계; (d) 제시되는 금융기관 중 하나가 고객에 의해 선택되면, 그 선택된 금융기관에 고객이 입력하는 대출실행 신청을 요청하는 단계; 및 (e) 대출실행 신청을 요청한 금융기관으로부터 대출승인 정보를 받아 고객에게 대출승인의 결과를 알리는 단계;를 포함하되, 상기 (a) 단계는, 고객의 신분증에서 촬상을 통해 검출한 이미지 정보의 제1 지문, 고객의 지문을 촬상하여 획득한 제2 지문, 및 정부기관에 등록된 제3 지문의 비교를 통해 고객의 신분증 위변조 및 고객의 신원 확인을 완료하는 것을 특징으로 하는 무인대출 처리방법을 개시한다.Another example of the present invention for achieving the above object is carried out through the unmanned loan processing device connected to the financial institution server, credit information agency server, and unmanned loan agency server, (a) forgery of the identification card of the customer and the customer Authenticating the identity verification of the; (b) requesting the credit rating of the customer from the credit bureau server using the customer information confirmed through the identification card of the customer and receiving a response; (c) querying a database provided from each of the affiliated financial institution servers based on the credit rating of the customer, and selecting a financial institution that can be loaned among them and presenting it to the customer; (d) if one of the presented financial institutions is selected by the customer, requesting the selected financial institution to apply for a loan execution input by the customer; And (e) receiving loan approval information from the financial institution that requested the loan execution request and informing the customer of the result of the loan approval; wherein the step (a) includes the image information detected through the imaging of the identification card of the customer. A method of processing an unmanned loan, characterized in that forgery of the identification card of the customer and verification of the identity of the customer are completed by comparing the first fingerprint, the second fingerprint obtained by capturing the fingerprint of the customer, and the third fingerprint registered with the government agency. It starts.
바람직하게는, 상기 (c) 단계는, 대출이 가능한 금융기관을 선별하여 고객에게 제시할 때, 고객의 신용등급에 따라 각 금융기관에서 제공될 수 있는 최대 대출가능금액, 및 이자율 정보를 포함하여 제공한다.Preferably, the step (c) includes a maximum loanable amount and interest rate information that can be provided by each financial institution according to the credit rating of the customer when selecting and presenting a financial institution that can be borrowed. to provide.
여기서, 상기 대출이 가능한 금융기관이 고객에게 제시되는 우선순위는, 고객이 요청하는 최대 대출가능금액의 순서이거나, 혹은 이자율이 낮은 순서 중 어느 하나로 디스플레이를 통해 순차로 제공됨이 바람직하다.In this case, the priority of the loanable financial institution is presented to the customer in the order of the maximum loanable amount requested by the customer, or in the order of low interest rate.
또한, 상기와 같은 목적을 달성하기 위하여 본 발명은 금융기관 서버, 신용정보기관 서버, 및 무인대출기관 서버와 무선 연결되는 모바일 단말기를 통하여 실행되며, (a) 상기 모바일 단말기를 이용하여 촬영된 고객의 신분증 정보와 고객의 용모를 전송받고 고객의 신원을 인증하며, 상기 신분증 정보와 고객의 용모를 저장하는 단계;; (b) 고객의 신분증 및 용모 정보를 통한 고객의 신원 인증 완료를 전제로 고객의 대출희망금액을 입력받는 단계; (c) 고객의 대출희망금액 및 신분증을 통해 확인된 고객정보를 이용하여 상기 신용정보기관 서버에 고객의 신용등급을 요청하여 응답받는 단계; (d) 고객의 신용등급 및 대출희망금액을 기초로 제휴된 각 금융기관 서버로부터 제공되는 데이터베이스를 조회하고, 이 중 대출이 가능한 금융기관을 선별하여 고객에게 제시하는 단계; (e) 제시되는 금융기관 중 하나가 고객에 의해 선택되면, 그 선택된 금융기관에 고객이 입력하는 대출실행 신청을 요청하는 단계; 및 (f) 대출실행 신청을 요청한 금융기관으로부터 대출승인 정보를 받아 고객에게 대출승인의 결과를 알리는 단계;를 포함하는 것을 특징으로 하는 무인대출 처리방법을 개시한다.In addition, in order to achieve the above object, the present invention is executed through a mobile terminal wirelessly connected to a financial institution server, a credit information agency server, and an unmanned loan institution server, (a) a customer photographed using the mobile terminal Receiving identification information of the customer and the appearance of the customer and authenticating the identity of the customer, and storing the identification information and the appearance of the customer; (b) receiving a loan desired amount of the customer on the premise of completing the identification of the customer through identification and appearance information of the customer; (c) requesting the credit rating of the customer from the credit bureau server using the customer information verified through the loan request amount and ID card of the customer to receive a response; (d) querying a database provided from each of the affiliated financial institution servers based on the credit rating and the desired loan amount of the customer, and selecting and presenting to the customer a financial institution which can be loaned among them; (e) if one of the presented financial institutions is selected by the customer, requesting the selected financial institution to apply for a loan execution input by the customer; And (f) receiving loan approval information from the financial institution that requested the loan execution request and informing the customer of the result of the loan approval.
또한, 상기와 같은 목적을 달성하기 위하여 본 발명은 금융기관 서버, 신용정보기관 서버, 및 무인대출기관 서버와 무선 연결되는 모바일 단말기를 통하여 실행되며, (a) 상기 모바일 단말기를 이용하여 촬영된 고객의 신분증 정보와 고객의 용모를 전송받고 고객의 신원을 인증하며, 상기 신분증 정보와 고객의 용모를 저장하는 단계; (b) 고객의 신분증을 통해 확인된 고객정보를 이용하여 상기 신용정보기관 서버에 고객의 신용등급을 요청하여 응답받는 단계; (c) 고객의 신용등급을 기초로 제휴된 각 금융기관 서버로부터 제공되는 데이터베이스를 조회하고, 이 중 대출이 가능한 금융기관을 선별하여 고객에게 제시하는 단계; (d) 제시되는 금융기관 중 하나가 고객에 의해 선택되면, 그 선택된 금융기관에 고객이 입력하는 대출실행 신청을 요청하는 단계; 및 (e) 대출실행 신청을 요청한 금융기관으로부터 대출승인 정보를 받아 고객에게 대출승인의 결과를 알리는 단계;를 포함하되, 상기 (a) 단계는, 고객의 신분증에서 촬상을 통해 검출한 이미지 정보와 고객의 용모의 비교를 통해 신분증상의 고객과 대출요청 고객의 동일성 확인을 통한 신원 확인을 완료하는 것을 특징으로 하는 무인대출 처리방법을 개시한다.In addition, in order to achieve the above object, the present invention is implemented through a mobile terminal wirelessly connected to a financial institution server, a credit information agency server, and an unmanned loan institution server, (a) a customer photographed using the mobile terminal Receiving identification information of the customer and the appearance of the customer, and authenticating the identity of the customer, and storing the identification information and the appearance of the customer; (b) requesting the credit rating of the customer from the credit bureau server using the customer information confirmed through the identification card of the customer and receiving a response; (c) querying a database provided from each of the affiliated financial institution servers based on the credit rating of the customer, and selecting a financial institution that can be loaned among them and presenting it to the customer; (d) if one of the presented financial institutions is selected by the customer, requesting the selected financial institution to apply for a loan execution input by the customer; And (e) receiving loan approval information from the financial institution that requested the loan execution request and informing the customer of the result of the loan approval; wherein the step (a) includes image information detected through imaging in the identification card of the customer; Disclosed is a method for processing an unmanned loan, characterized in that by completing the comparison of the appearance of the customer to complete the identification through identification of the identity of the customer and the loan request customer.
상기한 바와 같이, 본 발명에 의하면 고객의 신분증이 위조 또는 변조되는 경우에도 고객의 신분 확인이 가능하며, 대출승인에 필요한 대출관련 서류(예컨대 주민등록등본, 인감증명서, 의료보험 카드 사본, 갑근세 증명서 사본, 재직증명서, 재학증명서 등)를 준비할 필요없이 신분증 하나로 간편한 소액 대출이 가능하게 됨에 따라 신속한 원스톱 대출 승인을 할 수 있는 작용효과가 기대된다.As described above, according to the present invention, even if the customer's identification card is forged or altered, the identification of the customer can be confirmed, and the loan-related documents required for the loan approval (for example, a resident registration copy, a seal certificate, a copy of a health insurance card, a copy of the abdominal tax certificate) It is expected to have a quick one-stop loan approval as a simple loan can be made with one identification card without the need for preparing a certificate of employment, employment certificate, etc.).
또한, 본 발명에 의하면, 대출 가능한 금융기관 간의 선의의 경쟁을 유발함으로써 그 혜택이 그대로 고객에게 돌아가도록 할 수 있는 작용효과가 기대된다.In addition, according to the present invention, by inducing a bona fide competition between loanable financial institutions, the benefits can be expected to return to the customer as it is expected.
또한, 본 발명에 의하면, 대출 가능한 금융기관과 무인대출기관 간의 계약조건에 따라 금융기관에 가점을 주도록 함으로써 무인대출기관의 무인대출 거래기능의 활성화를 도모할 수 있는 작용효과가 있다.In addition, according to the present invention, it is possible to activate the unmanned loan transaction function of the unmanned loan institution by giving the financial institution an additional point according to the contract conditions between the loanable financial institution and the unmanned loan institution.
또한, 모바일 단말기에 의한 통신환경이 발달하고, 모바일 단말기용 앱이 활성화되고 있는 기술흐름 속에서 모바일 단말기용 앱을 활용하여 간편하게 모바일 대출을 실행함으로써, 모바일 트랜드에 부응하도록 하는 작용효과가 있다. In addition, the communication environment by the mobile terminal is developed, and by simply executing a mobile loan using the mobile terminal app in the technology flow that the mobile terminal app is active, there is an effect of responding to the mobile trend.
도 1은 본 발명의 일 실시예에 따른 무인대출 처리방법에 적용되는 일례의 시스템 구성도,1 is a system configuration of an example applied to the unmanned loan processing method according to an embodiment of the present invention,
도 2는 본 발명에 따른 무인대출 처리장치의 외형도,2 is an external view of an unmanned loan processing apparatus according to the present invention,
도 3은 지문에 마련되는 코어, 및 삼각점의 구조를 설명하기 위한 도면,3 is a view for explaining the structure of the core and the triangular point provided in the fingerprint,
도 4는 본 발명의 일 실시예에 따른 무인대출 처리방법을 나타낸 동작순서도,4 is a flowchart illustrating an unmanned loan processing method according to an embodiment of the present invention;
도 5는 도 4에 따른 무인대출 처리방법 중, 고객의 신분증 위변조와 신원 확인 인증 단계를 나타내는 동작순서도,5 is an operation sequence diagram showing the forgery and identity verification step of identification of the customer in the unmanned loan processing method according to FIG.
도 6은 도 4에 따른 무인대출 처리방법 중, 고객의 신분증 위변조와 신원 확인 인증 단계를 나타내는 다른 일례의 동작순서도,FIG. 6 is a flowchart illustrating another example of the ID card forgery and identification verification step of the unmanned loan processing method according to FIG. 4;
도 7은 본 발명의 다른 실시예에 따른 무인대출 처리방법을 나타낸 동작순서도,7 is a flowchart illustrating an unmanned loan processing method according to another embodiment of the present invention;
도 8은 본 발명에 따른 대출이 가능한 금융기관의 선별 및 디스플레이를 나타내는 참고도,8 is a reference diagram showing the selection and display of the financial institutions that can be loaned according to the present invention,
도 9는 본 발명의 모바일 단말기를 이용한 대출방법의 일 실시예에 따른 무인대출 처리방법을 나타낸 동작순서도,9 is an operation flowchart showing an unmanned loan processing method according to an embodiment of a loan method using a mobile terminal of the present invention;
도 10은 본 발명의 모바일 단말기를 이용한 대출방법의 다른 실시예에 따른 무인대출 처리방법을 나타낸 동작순서도이다.10 is a flowchart illustrating an unmanned loan processing method according to another embodiment of a loan method using a mobile terminal of the present invention.
<부호의 설명><Description of the code>
10 : 금융기관 서버 20 : 신용정보기관 서버10: financial institution server 20: credit information agency server
30 : 무인대출기관 서버30: unmanned loan agency server
100 : 무인대출 처리장치 101 : 디스플레이부100: unmanned loan processing device 101: display unit
102 : 신분증 삽입구 104 : 입력부102: ID card insertion hole 104: input unit
106 : 지문 촬상부 107 : 카메라106: fingerprint imaging unit 107: camera
150 : 키패드150: keypad
이하, 본 발명의 바람직한 실시예를 첨부된 도면들을 참조하여 상세히 설명한다. 본 발명을 설명함에 있어, 관련된 공지 구성 및 기능에 대한 구체적인 설명이 본 발명의 요지를 흐릴 수 있다고 판단되는 경우에는 그 상세한 설명은 생략한다.Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, if it is determined that the detailed description of the related well-known configuration and function may obscure the gist of the present invention, the detailed description thereof will be omitted.
도 1은 본 발명의 일 실시예에 따른 무인대출 처리방법에 적용되는 일례의 시스템 구성도를 나타내고, 도 2는 본 발명에 따른 무인대출 처리장치의 외형도를 나타내며, 도 3은 지문에 마련되는 코어, 및 삼각점의 구조를 설명하기 위한 도면을 나타낸다.Figure 1 shows an exemplary system configuration diagram applied to the unmanned loan processing method according to an embodiment of the present invention, Figure 2 shows an external view of the unmanned loan processing apparatus according to the present invention, Figure 3 is provided in the fingerprint The figure for demonstrating the structure of a core and a triangular point is shown.
도시되는 바와 같이, 무인대출 처리방법에 일례로 적용되는 시스템은, 금융기관 서버(10), 신용정보기관 서버(20), 및 무인대출기관 서버(30)와 네트워크(40)로 연결되는 무인대출 처리장치(100)를 포함하여 구성된다.As shown, the system applied as an example to the unmanned loan processing method, financial institution server 10, credit information agency server 20, and unmanned loan institution server 30 and unmanned loan connected to the network 40 It is configured to include a processing device (100).
상기 금융기관 서버(10)는 고객의 신용등급에 따라 대출 서비스를 제공하는 금융권으로 통상의 제1 금융기관을 포함한 제2, 제3 금융기관을 포함하며, 상기 신용정보기관 서버(20)는 대출 요청 고객의 신용등급의 조회 서비스를 제공하고, 상기 무인대출기관 서버(30)는 복수의 무인대출 처리장치(100)를 관리하는 역할을 하며, 상기 무인대출 처리장치(100)는 불특정 장소에 설치되어 무인대출 처리의 서비스를 제공하는 키오스크 장치이다.The financial institution server 10 is a bank that provides a loan service according to a customer's credit rating, and includes second and third financial institutions including a general first financial institution, and the credit information server server 20 provides a loan. Providing an inquiry service of the credit rating of the requesting customer, the unmanned loan institution server 30 serves to manage a plurality of unmanned loan processing apparatus 100, the unmanned loan processing apparatus 100 is installed in an unspecified place It is a kiosk device that provides a service of unmanned loan processing.
상기 무인대출기관 서버(30)에 의해 관리되는 무인대출 처리장치(100)는 도 2에 도시되는 바와 같이, 키오스크 형태의 무인 장치로서 디스플레이부(101), 신분증 삽입구(102), 입력부(104), 지문 촬상부(106), 및 카메라(107)가 마련된다.As shown in FIG. 2, the unmanned loan processing apparatus 100 managed by the unmanned loan institution server 30 is a kiosk type unmanned apparatus, which includes a display unit 101, an ID card insertion slot 102, and an input unit 104. , A fingerprint imaging unit 106, and a camera 107 are provided.
디스플레이부(101)는 무인대출의 사용법, 무인대출 기관에 대한 소개 및 광고, 광고를 의뢰한 업체의 업체 광고 중 하나가 표시될 수 있다. 신분증 삽입구(102)에는 무인대출 서비스를 원하는 고객이 자신의 신분증(주민등록증, 혹은 고객의 지문정보를 구비하는 타 신분증)이 삽입된다.The display unit 101 may display one of a usage of an unmanned loan, an introduction and advertisement for an unmanned loan institution, and a company advertisement of a company that requested an advertisement. In the ID card insertion hole 102, a customer who wants an unmanned loan service is inserted with his or her ID card (resident registration card or another ID card having fingerprint information of the customer).
입력부(104)는 LCD(104b), 및 터치스크린(104a)이 결합된 형태를 가질 수 있으며, 무인대출 서비스를 요청하는 고객이 무인대출의 정보 입력을 위해 사용하는 입력 장치이며, 이러한 입력부(104)와는 별도로 키패드(150)의 구성이 적용될 수 있다.The input unit 104 may have a form in which the LCD 104b and the touch screen 104a are combined. The input unit 104 is an input device used by a customer who requests an unmanned loan service for information input of an unmanned loan. Apart from the configuration of the keypad 150 can be applied.
즉, 본 발명의 무인대출 처리장치(100)에는 고객의 입력 인터페이스로 입력부(104)와 키패드(150)의 구성이 조합 혹은 개별로 구성될 수 있다.That is, in the unmanned loan processing apparatus 100 of the present invention, the configuration of the input unit 104 and the keypad 150 may be combined or individually configured as a customer input interface.
지문 촬상부(106)는 고객의 엄지 손가락을 스캐닝하여 지문정보를 획득한다.The fingerprint imaging unit 106 scans the thumb of the customer to obtain fingerprint information.
상기 지문정보는 도 3에 도시되는 바와 같이, 지문의 문형(지문의 형태, 통상 호형문, 두형문, 쌍기문, 정기문, 및 반기문으로 분류한다.), 및 지문에 마련되는 복수의 삼각점을 판독한다.As shown in FIG. 3, the fingerprint information reads the fingerprint form (classified into the form of a fingerprint, usually an arc, a two-door, a double door, a regular door, and a half door), and a plurality of triangular points provided on the fingerprint. do.
카메라(107)는 만일에 발생할 수도 있는 금융사고의 방지를 위해 무인대출의 서비스 제공 중 고객의 안면부를 촬상하는 역할을 하며, 그 촬상된 고객의 안면 이미지는 상기 무인대출기관 서버(30)나 해당 금융기관 서버(10)에 저장 관리될 수 있다.The camera 107 serves to capture the face of the customer during the provision of unmanned loan service to prevent financial accidents that may occur, and the captured facial image of the customer is the unmanned loan agency server 30 or the corresponding. The financial institution server 10 may be stored and managed.
상기와 같이 구성되는 일례의 시스템 구성을 참조하여 본 발명의 일 실시예에 따른 무인대출 처리방법의 동작과정을 첨부 도면을 참조하여 설명하기로 한다.With reference to the exemplary system configuration configured as described above, the operation of the unmanned loan processing method according to an embodiment of the present invention will be described with reference to the accompanying drawings.
도 4는 본 발명의 일 실시예에 따른 무인대출 처리방법을 나타낸 동작순서도이고, 도 5는 본 발명에 따른 무인대출 처리방법 중, 고객의 신분증 위변조와 신원 확인의 인증 단계를 나타내는 동작순서도이며, 도 6은 본 발명에 따른 무인대출 처리방법 중, 고객의 신분증 위변조와 신원 확인의 인증 단계를 나타내는 다른 일례의 동작순서도이다.4 is an operation flowchart showing an unmanned loan processing method according to an embodiment of the present invention, Figure 5 is an operation flowchart showing an authentication step of forgery and identification of the identification card of the customer in the unmanned loan processing method according to the present invention, Figure 6 is a flow chart of another example of the unmanned loan processing method according to the present invention, showing the authentication step of forgery and identification of the customer identification.
먼저, 금융기관 서버(10), 신용정보기관 서버(20), 및 무인대출기관 서버(30)와 네트워크(40)로 연결되는 무인대출 처리장치(100)는 고객의 신분증 위변조와 고객의 신원 확인을 인증한다(S110).First, the financial institution server 10, the credit information agency server 20, and the unmanned loan processing device 100 connected to the unmanned loan agency server 30 and the network 40 is forgery of the identification card of the customer and identification of the customer Authenticate (S110).
여기서, 상기 고객의 신분증 위변조와 고객의 신원 확인의 인증 단계(S110)는 도 5에 도시되는 바와 같은 과정으로 처리될 수 있다.Here, the forgery of the identification card of the customer and the authentication step (S110) of the identification of the customer may be processed by a process as shown in FIG. 5.
먼저, 무인대출 처리장치(100)는 신분증 삽입구(102)를 통해 고객의 신분증을 입력받고(S111), 상기 신분증 삽입구(102)를 통해 입력된 신분증을 이미지 촬상하여 이미지 정보를 검출하고, 신분증에 적외선을 조사하여 얻은 적외선 투과값과 데이터베이스(미도시)에 기 마련된 표준 적외선 투과값을 비교하여 신분증의 위변조 여부를 판단한다(S112).First, the unmanned loan processing apparatus 100 receives an ID of a customer through an ID card insertion hole 102 (S111), detects image information by imaging an ID card input through the ID card insertion hole 102, and enters an ID card. By comparing the infrared transmission value obtained by irradiating the infrared ray and the standard infrared transmission value provided in the database (not shown) it is determined whether the ID card forgery (S112).
다음, 신분증의 위변조 판단결과, 고객의 신분증이 위변조로 판단되는 경우에는 무인대출의 진행 절차를 중단하고(S113), 신분증의 정상 확인시 지문 촬상부(106)를 통해 고객의 지문을 촬상하여 지문정보를 획득하고, 이를 고객의 신분증으로부터 획득되는 지문의 이미지 정보와 대조하여 고객의 신원을 확인한다(S114).Next, if the identification of the forgery of the identification card, the customer identification card is judged to be a forgery, the process of proceeding with the unmanned loan is stopped (S113), when the identification of the identification card of the customer through the fingerprint imaging unit 106 to fingerprint the fingerprint Obtaining the information, and checks the identity of the customer by comparing it with the image information of the fingerprint obtained from the identification card of the customer (S114).
다음, 고객 신원의 확인 결과, 지문이 불일치되는 경우에는 무인대출의 진행 절차를 중단하고(S115), 지문이 일치되는 경우 무인대출의 다음 진행을 위한 고객 인증을 완료한다(S116).Next, as a result of the identification of the customer, if the fingerprint is inconsistent, the procedure of the unmanned loan is stopped (S115), and if the fingerprint is matched, the customer authentication for the next process of the unmanned loan is completed (S116).
한편, 도 6은 본 발명에 따른 무인대출 처리방법 중, 고객의 신분증 위변조와 신원 확인의 인증 단계를 나타내는 다른 일례의 동작순서도이다.On the other hand, Figure 6 is an operation flow chart of another example showing the authentication step of forgery and identification of the identification card of the unmanned loan processing method according to the present invention.
도 6에 도시되는 바와 같이, 무인대출 처리장치(100)는 신분증 삽입구(102)를 통해 고객의 신분증을 입력받고, 그 신분증의 이미지 촬상을 통해 이미지 정보를 검출한다(S121).As shown in FIG. 6, the unmanned loan processing apparatus 100 receives an ID of a customer through an ID insertion slot 102 and detects image information through image capturing of the ID (S121).
다음, 무인대출 처리장치(100)는 지문 촬상부(106)를 통해 고객의 지문을 촬상하여 지문정보를 획득한다(S122).Next, the unmanned loan processing apparatus 100 obtains fingerprint information by imaging the fingerprint of the customer through the fingerprint imaging unit 106 (S122).
다음, 무인대출 처리장치(100)는 단계(S121)에서 신분증의 이미지 촬상을 통해 검출한 이미지 정보의 지문과, 단계(S122)에서 고객의 지문을 촬상한 지문정보의 비교를 통해 동일성을 판단한다(S123).Next, the unmanned loan processing apparatus 100 determines the sameness through the comparison of the fingerprint of the image information detected through the image capturing of the identification card in step S121 and the fingerprint information of the fingerprint of the customer in step S122. (S123).
다음, 지문의 동일성 판단결과, 불일치하는 경우에는 무인대출의 진행절차를 중단하고(S124), 동일성이 일치하는 경우에는 상기 이미지 정보의 지문이나 지문정보 중 하나와 고객이 정부기관에 등록한 지문정보의 비교를 통해 동일성을 판단한다(S125).Next, as a result of determining the identity of the fingerprint, if there is a mismatch, the procedure of unmanned loan is stopped (S124), and if the identity is identical, one of the fingerprint or the fingerprint information of the image information and the fingerprint information registered by the customer in the government agency The identity is determined through the comparison (S125).
다음, 무인대출 처리장치(100)는 고객이 정부기관에 등록한 지문정보와의 불일치시에는 신분증 위변조로 판단하여 무인대출의 진행절차를 중단하고(S126), 고객이 정부기관에 등록한 지문정보와 일치시에는 신분증 위변조 및 고객 확인을 정상으로 처리하는 고객 인증을 완료한다(S127).Next, the unmanned loan processing apparatus 100 determines that the ID card is forgery when it is inconsistent with the fingerprint information registered by the government agency and stops the procedure of unmanned loan (S126), and the customer matches the fingerprint information registered by the government agency. The city completes customer authentication for handling ID card forgery and customer confirmation as normal (S127).
상술한 바와 같이, 도 5 및 도 6에 도시되는 고객의 신분증 위변조와 신원 확인의 인증 단계(S110)는 크게 다음과 같은 차이를 가지게 된다.As described above, the identification step forgery and identification of the customer identification card shown in Figures 5 and 6 (S110) will have a large difference as follows.
먼저, 도 5에 도시되는 인증 단계(S110)는 신분증의 위변조 여부를 판단하기 위한 방안으로, 신분증이 가지는 고유한 적외선 투과값의 분석을 통해 위변조를 판단하는 것으로, 정부기관에서 엄격하게 보안 관리됨을 전제로 하여 위변조가 판단되고, 이후 신분증에서 촬상된 이미지 정보의 지문과 무인대출을 진행중인 고객이 입력한 지문정보를 비교하는 절차를 통해 고객의 신분증 위변조와 신원 확인의 인증이 완료된다.First, the authentication step (S110) shown in Figure 5 is a method for determining whether the forgery of the identification card, by determining the forgery through the analysis of the unique infrared transmission value of the identification card, it is strictly security management in government agencies On the premise, the forgery is judged, and the authentication of the forgery and identification of the customer is completed by comparing the fingerprint of the image information captured on the ID card with the fingerprint information input by the customer who is in the process of unmanned loan.
즉, 정부기관에서 보안 관리되는 신분증의 진실성 여부, 그리고 신분증에서 촬상되는 이미지 정보의 지문과 고객의 지문정보의 대조로 이루어진다.In other words, it is made by comparing the authenticity of the identification card securely managed by the government agency and the fingerprint of the image information photographed from the identification card and the fingerprint information of the customer.
반면에, 도 6에 도시되는 인증 단계(S110)는 고객의 신분증에서 촬상된 이미지 정보의 지문과, 고객의 지문에서 촬상되는 지문 정보의 동일성을 판단하고, 이 후 정부기관에 등록한 지문정보를 다시 비교하여 동일성을 판단하는 과정의 절차로 이루어진다.On the other hand, the authentication step (S110) shown in FIG. 6 determines the identity of the fingerprint of the image information captured by the customer's identification card and the fingerprint information captured by the customer's fingerprint, and then re-registers the fingerprint information registered with the government agency. This is done by comparing the process of determining identity.
도 6에서는 도 5와 달리 신분증의 위변조 여부를 판단하지 않고, 고객의 신분증에서 검출한 이미지 정보의 지문과, 고객의 지문정보, 및 정부기관에 등록된 지문정보를 비교하는 것으로 고객의 신분증 위변조와 고객의 신원 확인의 인증을 완료하게 된다.In FIG. 6, unlike in FIG. 5, the identification of the forgery of the ID card is compared with the fingerprint of the image information detected from the identification card of the customer, the fingerprint information of the customer, and the fingerprint information registered in the government agency. The verification of the customer's identification is completed.
이는, 신분증을 위변조하는 범죄자들이 점차 고도화 되면서 국가기관에서 보안 관리되는 신분증의 원본을 입수하여 직접 신분증의 위변조에 이용하는 경우, 신분증의 적외선 투과값을 이용한 판단만으로는 정확한 위변조를 확인하기 어려울 수도 있다.This is because when criminals who forge IDs are increasingly advanced and obtain the originals of IDs that are securely managed by a national institution and directly use them for forgery of IDs, it may be difficult to confirm accurate forgery by judging by using infrared transmission values of IDs.
이에, 통상적으로 최초 신분증을 만들 때 정부기관에 날인 등록되는 지문정보를 활용한다면, 설혹 범죄를 위한 원본 신분증이 위변조되어 사용된다 하더라도 고객의 신원 확인에서 위변조를 확인할 수 있게 됨으로써, 위변조로 인한 금융사고를 미연에 예방할 수 있게 된다.Therefore, if the fingerprint information registered with the government agency is usually used when creating the first identification card, even if the original identification card for the crime is forged and used, it is possible to check the forgery in the identification of the customer, thereby causing a financial accident due to the forgery. Can be prevented in advance.
다음, 무인대출 처리장치(100)는 신분증 위변조 및 고객의 신원 확인의 인증 완료를 전제로 고객의 대출희망금액을 입력받는다(S130).Next, the unmanned loan processing apparatus 100 receives the loan desired amount of the customer on the premise that the forgery of the identification card and the authentication of the identification of the customer are completed (S130).
다음, 무인대출 처리장치(100)는 고객의 대출희망금액 및 신분증을 통해 확인된 고객정보를 이용하여 상기 신용정보기관 서버(20)에 고객의 신용등급을 요청하여 응답받는다(S140).Next, the unmanned loan processing apparatus 100 receives the customer's credit rating from the credit information agency server 20 by using the customer information confirmed through the loan request amount and ID card of the customer (S140).
다음, 무인대출 처리장치(100)는 고객의 신용등급 및 대출희망금액을 기초로 제휴된 각 금융기관 서버(10)로부터 제공되는 데이터베이스를 조회하고, 이 중 대출이 가능한 금융기관을 선별하여 고객에게 제시한다(S150).Next, the unmanned loan processing apparatus 100 queries the database provided from each financial institution server 10 associated with the customer based on the customer's credit rating and the desired amount of loan, and selects a financial institution that can be loaned to the customer. It is presented (S150).
여기서, 상기 (S150) 단계는, 선별된 금융기관이 복수로 고객에게 제시될 때, 이자율이 낮은 순서, 대출가능금액이 높은 순서 및 금융기관과 무인대출기관 간에 체결된 계약조건에 따른 순서 중 어느 하나에 의해서 금융기관의 대출 우선순위가 결정되고, 그 우선순위가 높은 금융기관의 정보가 우선하여 고객에게 제공될 수 있도록 처리한다.Here, in the step (S150), when a plurality of selected financial institutions are presented to the customer, the order of the lower interest rate, the higher the loanable amount and the order according to the contract terms concluded between the financial institution and the unmanned loan institution The loan priority of the financial institution is determined by one, and the information of the high priority financial institution is given priority to the customer.
즉, 상기 무인대출 처리장치(100)를 통하여, 상기 금융기관 중 최우선순위의 금융기관이 디스플레이되거나, 혹은 선별된 금융기관 모두가 순위에 따라 순차로 디스플레이될 수 있다.That is, through the unmanned loan processing apparatus 100, the financial institutions of the highest priority among the financial institutions may be displayed, or all of the selected financial institutions may be sequentially displayed according to the ranking.
또한, 상기 금융기관의 순위가 동등하여 우선순위를 결정할 수 없는 경우에는 대출 요청 접수 순번에 대응하여 교번하는 우선순위의 부여를 통해 디스플레이될 수 있다.In addition, when the priority of the financial institutions is not equal to determine the priority, it may be displayed through the assignment of the priority to alternate with the loan request reception order.
다음, 무인대출 처리장치(100)는 제시되는 금융기관 중 하나가 고객에 의해 선택되면, 그 선택된 금융기관에 고객이 입력하는 대출실행 신청을 요청한다(S160).Next, when the unmanned loan processing apparatus 100 is selected by the customer, one of the presented financial institutions requests a loan execution application input by the customer to the selected financial institution (S160).
다음, 무인대출 처리장치(100)는 대출실행 신청을 요청한 금융기관으로부터 대출승인 정보를 받아 고객에게 대출승인의 결과를 알리게 된다(S170).Next, the unmanned loan processing apparatus 100 receives the loan approval information from the financial institution that requested the loan execution application and informs the result of the loan approval to the customer (S170).
한편, 무인대출 처리장치(100)는 무인대출을 진행중인 고객의 전면 얼굴영상을 카메라(107)를 통해 녹화하여 저장한다(S180). 이후 녹화 저장된 고객의 전면 얼굴영상은 네트워크(40)를 통해 해당 금융기관 서버(10)나 무인대출기관 서버(30)에 전송되어 관리될 수 있다.On the other hand, the unmanned loan processing apparatus 100 records and stores the front face image of the customer in progress unmanned loan through the camera 107 (S180). Afterwards, the recorded front face image of the customer may be transmitted and managed through the network 40 to the financial institution server 10 or the unmanned loan institution server 30.
도 7은 본 발명의 다른 실시예에 따른 무인대출 처리방법을 나타낸 동작순서도이다.7 is a flowchart illustrating an unmanned loan processing method according to another embodiment of the present invention.
먼저, 무인대출 처리장치(100)는 고객의 신분증 위변조와 고객의 신원 확인을 인증한다(S210).First, the unmanned loan processing apparatus 100 authenticates the identification card forgery and identification of the customer (S210).
여기서, 상기 단계(S210)는 신분증 삽입구(102)에 투입되는 고객의 신분증에서 촬상을 통해 검출한 이미지 정보의 제1 지문과, 지문 촬상부(106)를 통해 고객의 지문을 촬상하여 획득한 제2 지문, 및 정부기관에 등록된 제3 지문의 비교를 통해 고객의 신분증 위변조 및 고객의 신원 확인을 완료(S211)하는 과정으로 이루어진다.Here, the step (S210) is the first fingerprint of the image information detected through the image capture in the identification card of the customer inserted into the identification card insertion hole 102, and the image obtained by imaging the fingerprint of the customer through the fingerprint imaging unit 106 2 through the fingerprint and the comparison of the third fingerprint registered with the government agency forgery of the identification card of the customer and the identification of the customer is completed (S211).
다음, 무인대출 처리장치(100)는 고객의 신분증을 통해 확인된 고객정보를 이용하여 상기 신용정보기관 서버(20)에 고객의 신용등급을 요청하여 응답받는다(S220).Next, the unmanned loan processing apparatus 100 receives the customer's credit rating from the credit information agency server 20 by using the customer information confirmed through the identification card of the customer (S220).
다음, 무인대출 처리장치(100)는 고객의 신용등급을 기초로 제휴된 각 금융기관 서버(10)로부터 제공되는 데이터베이스(미도시)를 조회하고, 이 중 대출이 가능한 금융기관을 선별하여 고객에게 제시한다(S230).Next, the unmanned loan processing apparatus 100 inquires a database (not shown) provided from each of the affiliated financial institution servers 10 based on the credit rating of the customer, and selects a financial institution that can be loaned to the customer. It is presented (S230).
이때, 상기 (S230) 단계는, 대출이 가능한 금융기관을 선별하여 고객에게 제시할 때, 고객의 신용등급에 따라 각 금융기관에서 제공될 수 있는 최대 대출가능금액, 및 이자율 정보를 포함하여 제공하며, 여기서 대출이 가능한 금융기관이 고객에게 제시되는 우선순위는 고객이 요청하는 최대 대출가능금액의 순서이거나, 혹은 이자율이 낮은 순서 중 어느 하나로 디스플레이를 통해 순차로 제공될 수 있다.At this time, the step (S230), when selecting a financial institution that can be loaned to present to the customer, and provides the maximum loanable amount that can be provided by each financial institution, and interest rate information according to the customer's credit rating In this case, the priority of the loanable financial institution to the customer may be sequentially provided through the display in the order of the maximum loanable amount requested by the customer or in the order of low interest rate.
도 8은 본 발명에 따른 대출이 가능한 금융기관의 선별 및 디스플레이를 나타내는 참고도이다.8 is a reference diagram showing the selection and display of the financial institutions that can be loaned according to the present invention.
도 8의 (a)는 무인대출 처리장치(100)에서 고객에게 제시될 수 있는 대출 가능한 금융기관을 선별한 데이터이고, 도 8의 (b)는 고객이 대출 가능금액이 높은 순서로 요청한 경우를 나타내며, 도 8의 (c)는 고객이 대출 이자율이 낮은 순서로 요청한 경우를 나타낸다.FIG. 8 (a) shows data for selecting loanable financial institutions that can be presented to the customer in the unmanned loan processing apparatus 100, and FIG. FIG. 8C illustrates a case in which the customer requests the loan interest rates in descending order.
따라서, 고객은 자신의 신용등급에 따른 대출 가능한 금융기관을 제공받을 때, 대출 가능 금액이 큰 금융기관이나 대출 이자율이 낮은 금융기관의 순서 중 어느 하나로 선별된 금융기관을 제공받고, 그 선별된 금융기관 중 하나를 선택하여 무인대출 서비스를 요청할 수 있게 된다.Therefore, when a customer is provided with a loanable financial institution according to his or her credit rating, the customer is provided with a financial institution selected in the order of a financial institution with a large loan amount or a financial institution with a low loan interest rate. One of the agencies will be able to request an unattended loan service.
다음, 무인대출 처리장치(100)는 제시되는 금융기관 중 하나가 고객에 의해 선택되면, 그 선택된 금융기관에 고객이 입력하는 대출실행 신청을 요청한다(S240).Next, when the unattended loan processing apparatus 100 is selected by the customer, one of the presented financial institutions requests a loan execution application input by the customer to the selected financial institution (S240).
다음, 무인대출 처리장치(100)는 대출실행 신청을 요청한 금융기관으로부터 대출승인 정보를 받아 고객에게 대출승인의 결과를 알리게 된다(S250).Next, the unmanned loan processing apparatus 100 receives the loan approval information from the financial institution that requested the loan execution application and informs the result of the loan approval to the customer (S250).
한편, 본 발명은 모바일 단말기를 이용하여 손쉽게 대출을 신청할 수 있는데, 이를 도 10 및 도 11에 각각 나타내었다. On the other hand, the present invention can easily apply for a loan using a mobile terminal, which is shown in Figures 10 and 11, respectively.
도 10을 참조하여 설명하면, 먼저, 무인대출 처리장치(100)는 모바일 단말기를 이용하여 촬영된 신분증과 고객의 용모를 전송받아 고객의 신원을 인증한다(S310).Referring to Figure 10, first, the unmanned loan processing apparatus 100 receives the identification card and the appearance of the customer by using the mobile terminal to authenticate the identity of the customer (S310).
다음, 무인대출 처리장치(100)는 고객의 신분증을 통해 확인된 고객정보를 이용하여 상기 신용정보기관 서버(20)에 고객의 신용등급을 요청하여 응답받는다(S320).Next, the unmanned loan processing apparatus 100 receives the customer's credit rating from the credit information agency server 20 by using the customer information confirmed through the identification card of the customer (S320).
다음, 무인대출 처리장치(100)는 고객의 신용등급을 기초로 제휴된 각 금융기관 서버(10)로부터 제공되는 데이터베이스(미도시)를 조회하고, 이 중 대출이 가능한 금융기관을 선별하여 고객에게 제시한다(S330).Next, the unmanned loan processing apparatus 100 inquires a database (not shown) provided from each of the affiliated financial institution servers 10 based on the credit rating of the customer, and selects a financial institution that can be loaned to the customer. It is presented (S330).
이때, 상기 (S330) 단계는, 대출이 가능한 금융기관을 선별하여 고객에게 제시할 때, 고객의 신용등급에 따라 각 금융기관에서 제공될 수 있는 최대 대출가능금액, 및 이자율 정보를 포함하여 제공하며, 여기서 대출이 가능한 금융기관이 고객에게 제시되는 우선순위는 고객이 요청하는 최대 대출가능금액의 순서이거나, 혹은 이자율이 낮은 순서 중 어느 하나로 디스플레이를 통해 순차로 제공될 수 있다.At this time, the step (S330), when selecting a financial institution that can be borrowed to present to the customer, and provides the maximum loanable amount that can be provided by each financial institution, and interest rate information according to the customer's credit rating In this case, the priority of the loanable financial institution presented to the customer may be sequentially provided through the display either in the order of the maximum loanable amount requested by the customer or in the order of low interest rate.
이하, 대출 승인 요청(S340)과 대출 실행 통보(S350) 과정은 전술한 내용과 동일하므로, 이에 대한 설명은 생략하기로 한다.Hereinafter, since the loan approval request (S340) and the loan execution notification (S350) process is the same as described above, a description thereof will be omitted.
또한, 도 11에 대하여 설명하면, 도 10의 실시예 중 고객의 촬영하여 모바일 단말기를 통해 전송하는 신분증과 고객의 용모를 비교하고, 신분증 상의 사진과 고객의 용모가 유사한지 유사도를 이미지 인식 비교과정을 통해 확정한 후, 상기 사진과 용모가 유사한 경우에 한해서 대출 실행을 위한 다음 단계의 절차들을 실행시키도록 하는 단계(S411)를 더 실행할 수 있다. In addition, referring to FIG. 11, in the embodiment of FIG. 10, an ID card that is photographed by a customer and transmitted through a mobile terminal is compared with a feature of the customer, and an image recognition comparison process is performed to compare similarities between the photograph on the ID card and the appearance of the customer. After confirming through, the step (S411) may be further performed to execute the following steps for executing the loan only when the photograph and the appearance are similar.
이 때, 단계 S410 ~ S450의 과정은 위 S310 ~ S350의 과정과 동일하므로 구체적인 설명은 생략하였다. At this time, since the process of steps S410 ~ S450 is the same as the process of S310 ~ S350 above, a detailed description is omitted.
이 때, 상기 신분증과 고객의 용모를 촬영하여 전송된 이미지는 무인 대출 처리장치에 저장되도록 할 수 있다. At this time, the identification card and the image of the customer's appearance can be transmitted to the unmanned loan processing device.
한편, 상기와 같이 신분증상의 사진과 고객의 용모를 비교하여 그 유사도를 비교 및 확정하는 과정은 얼굴의 윤곽, 눈, 코, 입의 위치 및 크기 등 몇가지 변수들을 설정한 후, 이러한 변수를 각 이미지에 적용하고 그 유사도를 비교하는 과정에 의하며, 이와 같이 이미지 비교를 위한 변수는 다양하게 설정될 수 있으므로, 위와 같이 얼굴의 윤곽 등 열거한 사항에 한정되는 것은 아니다. On the other hand, as described above, the process of comparing and confirming the similarity between the photo of the identification card and the appearance of the client sets several variables such as the face contour, eyes, nose, mouth position and size, and then converts these variables into each image. By applying to and comparing the similarity, and as described above, the variable for image comparison can be set in various ways, it is not limited to the items listed, such as the outline of the face as described above.
따라서, 본 발명에 의한 이미지 비교 확정을 통한다면 타인의 신분증을 이용하여 대출을 실행하고자 하는 소위 범죄행위를 예방하는 효과가 있다. Therefore, through the image comparison confirmation according to the present invention there is an effect of preventing the so-called criminal acts to perform the loan using another person's identification card.
상술한 바와 같이 본 발명에 따른 무인대출 처리방법은 통상적인 은행에서의 대출뿐만 아니라 제2금융권, 또는 대부업에 대해서도 적용될 수 있으며, 고객에게 보다 편리한 대출 환경을 제공할 수 있다.As described above, the unmanned loan processing method according to the present invention can be applied not only to loans in ordinary banks but also to second financial institutions or loan businesses, and can provide a more convenient loan environment to customers.
또한, 본 발명은 고객의 신분증 및 지문만을 이용함에도 불구하고, 대출 승인을 위한 본인을 정확하게 확인할 수 있고, 따라서 휴대폰을 이용한 인증 또는 신용카드 등을 통한 고객 본인 확인 등의 절차를 별도로 거칠 필요가 없으므로 고객에 대한 본인 확인의 절차가 간소한 장점이 있다.In addition, the present invention, despite using only the identification card and fingerprint of the customer, it is possible to accurately identify the user for the loan approval, so there is no need to go through the procedures such as authentication using a mobile phone or customer identification through a credit card, etc. The process of identity verification for customers has a simple advantage.
아울러, 타인명의의 휴대폰이 많은 만큼 휴대폰 인증을 통한 본인 확인에 문제점이 많으며, 따라서 이러한 문제점을 개선해야하는 만큼 본 발명은 훌륭한 대안이 될 수 있다.In addition, as many mobile phones of other people, there are many problems in identity verification through mobile phone authentication. Therefore, the present invention can be a great alternative as these problems need to be improved.
아울러, 대출을 신청하는 고객들 중 상당수가 신용불량자인 경우에는 신용카드 발급이 되지 아니하여 신용카드 등을 통한 고객 본인확인 절차를 실행하는 경우, 무인대출 시스템을 통한 무인대출 자체가 되지 않을 수도 있으므로, 이러한 문제점 또한 해결할 수 있게 된다.In addition, if a large number of customers applying for loans are credit defectors, if they do not issue a credit card and execute the customer identification process through a credit card, they may not be an unmanned loan through the unmanned loan system itself. This problem can also be solved.
이상에서 실시예를 들어 본 발명을 더욱 상세하게 설명하였으나, 본 발명은 반드시 이러한 실시예에 국한되는 것이 아니고 본 발명의 기술사상을 벗어나지 않는 범위내에서 다양하게 적용되고 변형실시될 수 있다.Although the present invention has been described in more detail with reference to the embodiments, the present invention is not necessarily limited to these embodiments and can be variously applied and modified without departing from the spirit of the present invention.

Claims (12)

  1. 금융기관 서버, 신용정보기관 서버, 및 무인대출기관 서버와 연결되는 무인대출 처리장치를 통하여 실행되며,It is executed through an unmanned loan processing device connected to a financial institution server, a credit information agency server, and an unmanned loan institution server.
    (a) 고객의 신분증 위변조와 고객의 신원 확인을 인증하는 단계;(a) authenticating the forgery of the identification card of the customer and identification of the customer;
    (b) 신분증 위변조 및 고객의 신원 확인의 인증 완료를 전제로 고객의 대출희망금액을 입력받는 단계;(b) receiving a loan request amount of the customer on the premise of forgery of identification card and completion of authentication of the identification of the customer;
    (c) 고객의 대출희망금액 및 신분증을 통해 확인된 고객정보를 이용하여 상기 신용정보기관 서버에 고객의 신용등급을 요청하여 응답받는 단계;(c) requesting the credit rating of the customer from the credit bureau server using the customer information verified through the loan request amount and ID card of the customer and receiving the response;
    (d) 고객의 신용등급 및 대출희망금액을 기초로 제휴된 각 금융기관 서버로부터 제공되는 데이터베이스를 조회하고, 이 중 대출이 가능한 금융기관을 선별하여 고객에게 제시하는 단계;(d) querying a database provided from each of the affiliated financial institution servers based on the credit rating and the desired loan amount of the customer, and selecting and presenting to the customer a financial institution which can be loaned among them;
    (e) 제시되는 금융기관 중 하나가 고객에 의해 선택되면, 그 선택된 금융기관에 고객이 입력하는 대출실행 신청을 요청하는 단계; 및(e) if one of the presented financial institutions is selected by the customer, requesting the selected financial institution to apply for a loan execution input by the customer; And
    (f) 대출실행 신청을 요청한 금융기관으로부터 대출승인 정보를 받아 고객에게 대출승인의 결과를 알리는 단계;(f) receiving loan approval information from the financial institution that requested the loan execution request and informing the customer of the result of the loan approval;
    를 포함하는 것을 특징으로 하는 무인대출 처리방법.Unmanned loan processing method comprising a.
  2. 제 1항에 있어서,The method of claim 1,
    상기 (a) 단계는,In step (a),
    (a-1) 고객의 신분증을 입력받는 단계;(a-1) receiving an ID of a customer;
    (a-2) 입력된 신분증을 이미지 촬상하여 이미지 정보를 검출하고, 신분증에 적외선을 조사하여 얻은 적외선 투과값과 데이터베이스에 기 마련된 표준 적외선 투과값을 비교하여 신분증의 위변조 여부를 판단하는 단계;(a-2) detecting image information by image-taking the input ID card, and comparing the infrared transmission value obtained by irradiating the ID card with infrared rays and the standard infrared transmission value provided in the database to determine whether the ID card is forged or not;
    (a-3) 판단결과, 신분증의 위변조시 무인대출의 진행 절차를 중단하는 단계;(a-3) discontinuing the proceedings of the unmanned loan upon forgery of the identification card as a result of the determination;
    (a-4) 판단결과, 신분증의 정상 확인시 고객의 지문을 촬상하여 지문정보를 획득하고, 이를 고객의 신분증으로부터 획득되는 지문의 이미지 정보와 대조하여 고객의 신원을 확인하는 단계; 및(a-4) determining the identification of the customer by capturing the fingerprint of the customer when the identification of the identification card is normal and acquiring the fingerprint information, and comparing it with the image information of the fingerprint obtained from the identification card of the customer; And
    (a-5) 고객 신원의 확인 결과, 지문이 불일치되는 경우에는 무인대출의 진행 절차를 중단하고, 지문이 일치되는 경우 무인대출의 다음 진행을 위한 고객 인증을 완료하는 단계;를 포함하여 이루어지는 것을 특징으로 하는 무인대출 처리방법.(a-5) as a result of the identification of the customer, if the fingerprints are inconsistent, stopping the procedure of proceeding with the unmanned loan, and if the fingerprints are matched, completing the customer authentication for the next proceeding of the unmanned loan; Unmanned loan processing method characterized in that.
  3. 제 1항에 있어서,The method of claim 1,
    상기 (a) 단계는,In step (a),
    (a-11) 고객의 신분증을 입력받고, 그 신분증의 이미지 촬상을 통해 이미지 정보를 검출하는 단계;(a-11) receiving an ID of a customer and detecting image information through image capturing of the ID;
    (a-12) 고객의 지문을 촬상하여 지문정보를 획득하는 단계;(a-12) photographing the fingerprint of the customer to obtain fingerprint information;
    (a-13) 신분증의 이미지 촬상을 통해 검출한 이미지 정보의 지문과, 고객의 지문을 촬상한 지문정보의 비교를 통해 동일성을 판단하는 단계;(a-13) determining the identity by comparing the fingerprint of the image information detected through the image capturing of the identification card with the fingerprint information of the fingerprint of the customer;
    (a-14) 동일성 판단결과, 불일치하는 경우에는 무인대출의 진행절차를 중단하는 단계;(a-14) discontinuing the proceedings of the unmanned loan in case of inconsistency as a result of the determination of identity;
    (a-15) 동일성 판단결과, 일치하는 경우 상기 이미지 정보의 지문이나 지문정보 중 하나와 고객이 정부기관에 등록한 지문정보의 비교를 통해 동일성을 판단하는 단계; 및(a-15) determining the identity by comparing the fingerprint or the fingerprint information of the image information with the fingerprint information registered by the customer in the government agency if the match is found; And
    (a-16) 고객이 정부기관에 등록한 지문정보와의 불일치시 신분증 위변조로 판단하여 무인대출의 진행절차를 중단하고, 고객이 정부기관에 등록한 지문정보와 일치시에 신분증 위변조 및 고객 확인을 정상으로 처리하는 고객 인증을 완료하는 단계;를 포함하여 이루어지는 것을 특징으로 하는 무인대출 처리방법.(a-16) If the customer is inconsistent with the fingerprint information registered with the government agency, it will be judged to be a forgery of the identification card and stop the proceeding process of the unmanned loan. Completing the customer authentication process to process; Unmanned loan processing method comprising a.
  4. 제 1항 내지 제 3항 중 어느 한 항에 있어서,The method according to any one of claims 1 to 3,
    (g) 무인대출을 진행중인 고객의 전면 얼굴영상을 녹화하여 저장하는 단계;를 더 포함하는 것을 특징으로 하는 무인대출 처리방법.(g) recording and storing the front face image of the customer in progress of the unmanned loan; unmanned loan processing method further comprising.
  5. 제 1항 내지 제 3항 중 어느 한 항에 있어서,The method according to any one of claims 1 to 3,
    상기 (d) 단계는,In step (d),
    선별된 금융기관이 복수로 고객에게 제시될 때, 이자율이 낮은 순서, 대출가능금액이 높은 순서 및 금융기관과 무인대출기관 간에 체결된 계약조건에 따른 순서 중 어느 하나에 의해서 금융기관의 대출 우선순위가 결정되고, 그 우선순위가 높은 금융기관의 정보가 우선하여 고객에게 제공되는 것을 특징으로 하는 무인대출 처리방법.When a plurality of selected financial institutions are presented to a customer, the priority of the loans of the financial institutions may be one of the following: lower interest rate, higher loanable amount, and an order according to the contract terms between the financial institution and the unmanned loan institution. Is determined, the information of the financial institutions with high priority is given priority to the customer.
  6. 제 5항에 있어서,The method of claim 5,
    상기 무인대출 처리장치를 통하여, 상기 금융기관 중 최우선순위의 금융기관이 디스플레이되거나, 혹은 선별된 금융기관 모두가 순위에 따라 순차로 디스플레이되는 것을 특징으로 하는 무인대출 처리방법.Through the unmanned loan processing apparatus, the financial institutions of the highest priority among the financial institutions are displayed, or all of the selected financial institutions are sequentially displayed according to the ranking.
  7. 제 6항에 있어서,The method of claim 6,
    상기 금융기관의 순위가 동등하여 우선순위를 결정할 수 없는 경우, 대출 요청 접수 순번에 대응하여 교번하는 우선순위의 부여를 통해 디스플레이되는 것을 특징으로하는 무인대출 처리방법.If the priority of the financial institution is not equal to determine the priority, unmanned loan processing method characterized in that it is displayed through the assignment of the alternating priority corresponding to the loan request acceptance number.
  8. 금융기관 서버, 신용정보기관 서버, 및 무인대출기관 서버와 연결되는 무인대출 처리장치를 통하여 실행되며,It is executed through an unmanned loan processing device connected to a financial institution server, a credit information agency server, and an unmanned loan institution server.
    (a) 고객의 신분증 위변조와 고객의 신원 확인을 인증하는 단계;(a) authenticating the forgery of the identification card of the customer and identification of the customer;
    (b) 고객의 신분증을 통해 확인된 고객정보를 이용하여 상기 신용정보기관 서버에 고객의 신용등급을 요청하여 응답받는 단계;(b) requesting the credit rating of the customer from the credit bureau server using the customer information confirmed through the identification card of the customer and receiving a response;
    (c) 고객의 신용등급을 기초로 제휴된 각 금융기관 서버로부터 제공되는 데이터베이스를 조회하고, 이 중 대출이 가능한 금융기관을 선별하여 고객에게 제시하는 단계;(c) querying a database provided from each of the affiliated financial institution servers based on the credit rating of the customer, and selecting a financial institution that can be loaned among them and presenting it to the customer;
    (d) 제시되는 금융기관 중 하나가 고객에 의해 선택되면, 그 선택된 금융기관에 고객이 입력하는 대출실행 신청을 요청하는 단계; 및(d) if one of the presented financial institutions is selected by the customer, requesting the selected financial institution to apply for a loan execution input by the customer; And
    (e) 대출실행 신청을 요청한 금융기관으로부터 대출승인 정보를 받아 고객에게 대출승인의 결과를 알리는 단계;를 포함하되,(e) receiving loan approval information from the financial institution that requested the loan execution request and informing the customer of the result of the loan approval;
    상기 (a) 단계는, 고객의 신분증에서 촬상을 통해 검출한 이미지 정보의 제1 지문, 고객의 지문을 촬상하여 획득한 제2 지문, 및 정부기관에 등록된 제3 지문의 비교를 통해 고객의 신분증 위변조 및 고객의 신원 확인을 완료하는 것을 특징으로 하는 무인대출 처리방법.The step (a) is performed by comparing the first fingerprint of the image information detected through the imaging of the customer ID, the second fingerprint obtained by photographing the fingerprint of the customer, and the third fingerprint registered with the government agency. ID card forgery and customer identification process, characterized in that to complete the identification of the customer.
  9. 제 8항에 있어서,The method of claim 8,
    상기 (c) 단계는,In step (c),
    대출이 가능한 금융기관을 선별하여 고객에게 제시할 때,When selecting financial institutions that can be loaned and presenting them to customers,
    고객의 신용등급에 따라 각 금융기관에서 제공될 수 있는 최대 대출가능금액, 및 이자율 정보를 포함하여 제공하는 것을 특징으로 하는 무인대출 처리방법.Unmanned loan processing method characterized in that it provides the maximum loanable amount that can be provided by each financial institution, and interest rate information according to the customer's credit rating.
  10. 제 9항에 있어서,The method of claim 9,
    상기 대출이 가능한 금융기관이 고객에게 제시되는 우선순위는,The priority that the loanable financial institution is presented to the customer,
    고객이 요청하는 최대 대출가능금액의 순서이거나, 혹은 이자율이 낮은 순서 중 어느 하나로 디스플레이를 통해 순차로 제공되는 것을 특징으로 하는 무인대출 처리방법.A method for processing an unmanned loan, characterized in that provided in the order of the maximum loanable amount requested by the customer, or in the order of the low interest rate through the display.
  11. 금융기관 서버, 신용정보기관 서버, 및 무인대출기관 서버와 무선 연결되는 모바일 단말기를 통하여 실행되며,It is executed through a mobile terminal wirelessly connected to a financial institution server, a credit information agency server, and an unmanned loan institution server.
    (a) 상기 모바일 단말기를 이용하여 촬영된 고객의 신분증 정보와 고객의 용모를 전송받고 고객의 신원을 인증하며, 상기 신분증 정보와 고객의 용모를 저장하는 단계;(a) receiving the identification information of the customer and the appearance of the customer by using the mobile terminal and authenticating the identity of the customer, and storing the identification information and the appearance of the customer;
    (b) 고객의 신분증 및 용모 정보를 통한 고객의 신원 인증 완료를 전제로 고객의 대출희망금액을 입력받는 단계;(b) receiving a loan desired amount of the customer on the premise of completing the identification of the customer through identification and appearance information of the customer;
    (c) 고객의 대출희망금액 및 신분증을 통해 확인된 고객정보를 이용하여 상기 신용정보기관 서버에 고객의 신용등급을 요청하여 응답받는 단계;(c) requesting the credit rating of the customer from the credit bureau server using the customer information verified through the loan request amount and ID card of the customer and receiving the response;
    (d) 고객의 신용등급 및 대출희망금액을 기초로 제휴된 각 금융기관 서버로부터 제공되는 데이터베이스를 조회하고, 이 중 대출이 가능한 금융기관을 선별하여 고객에게 제시하는 단계;(d) querying a database provided from each of the affiliated financial institution servers based on the credit rating and the desired loan amount of the customer, and selecting and presenting to the customer a financial institution which is available for loaning;
    (e) 제시되는 금융기관 중 하나가 고객에 의해 선택되면, 그 선택된 금융기관에 고객이 입력하는 대출실행 신청을 요청하는 단계; 및(e) if one of the presented financial institutions is selected by the customer, requesting the selected financial institution to apply for a loan execution input by the customer; And
    (f) 대출실행 신청을 요청한 금융기관으로부터 대출승인 정보를 받아 고객에게 대출승인의 결과를 알리는 단계;(f) receiving loan approval information from the financial institution that requested the loan execution request and informing the customer of the result of the loan approval;
    를 포함하는 것을 특징으로 하는 무인대출 처리방법.Unmanned loan processing method comprising a.
  12. 금융기관 서버, 신용정보기관 서버, 및 무인대출기관 서버와 무선 연결되는 모바일 단말기를 통하여 실행되며,It is executed through a mobile terminal wirelessly connected to a financial institution server, a credit information agency server, and an unmanned loan institution server.
    (a) 상기 모바일 단말기를 이용하여 촬영된 고객의 신분증 정보와 고객의 용모를 전송받고 고객의 신원을 인증하며, 상기 신분증 정보와 고객의 용모를 저장하는 단계;(a) receiving the identification information of the customer and the appearance of the customer by using the mobile terminal and authenticating the identity of the customer, and storing the identification information and the appearance of the customer;
    (b) 고객의 신분증을 통해 확인된 고객정보를 이용하여 상기 신용정보기관 서버에 고객의 신용등급을 요청하여 응답받는 단계;(b) requesting the credit rating of the customer from the credit bureau server using the customer information confirmed through the identification card of the customer and receiving a response;
    (c) 고객의 신용등급을 기초로 제휴된 각 금융기관 서버로부터 제공되는 데이터베이스를 조회하고, 이 중 대출이 가능한 금융기관을 선별하여 고객에게 제시하는 단계;(c) querying a database provided from each of the affiliated financial institution servers based on the credit rating of the customer, and selecting a financial institution that can be loaned among them and presenting it to the customer;
    (d) 제시되는 금융기관 중 하나가 고객에 의해 선택되면, 그 선택된 금융기관에 고객이 입력하는 대출실행 신청을 요청하는 단계; 및(d) if one of the presented financial institutions is selected by the customer, requesting the selected financial institution to apply for a loan execution input by the customer; And
    (e) 대출실행 신청을 요청한 금융기관으로부터 대출승인 정보를 받아 고객에게 대출승인의 결과를 알리는 단계;를 포함하되,(e) receiving loan approval information from the financial institution that requested the loan execution request and informing the customer of the result of the loan approval;
    상기 (a) 단계는, 고객의 신분증에서 촬상을 통해 검출한 이미지 정보와 고객의 용모의 비교를 통해 신분증상의 고객과 대출요청 고객의 동일성 확인을 통한 신원 확인을 완료하는 것을 특징으로 하는 무인대출 처리방법.In the step (a), the unmanned loan processing, characterized in that the identification is confirmed through the identification of the identity of the customer and the loan request customer on the identification card by comparing the image information detected through the imaging in the customer identification card Way.
PCT/KR2011/003394 2010-08-06 2011-05-06 Method for processing automatic loan WO2012018173A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
JP2013524025A JP2013535755A (en) 2010-08-06 2011-05-06 Unattended loan processing method

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR10-2010-0075856 2010-08-06
KR20100075856 2010-08-06
KR10-2011-0041531 2011-05-02
KR1020110041531A KR101334744B1 (en) 2010-08-06 2011-05-02 Loaning method using kiosk system

Publications (2)

Publication Number Publication Date
WO2012018173A2 true WO2012018173A2 (en) 2012-02-09
WO2012018173A3 WO2012018173A3 (en) 2012-03-22

Family

ID=45559890

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2011/003394 WO2012018173A2 (en) 2010-08-06 2011-05-06 Method for processing automatic loan

Country Status (3)

Country Link
JP (1) JP2013535755A (en)
KR (1) KR101334744B1 (en)
WO (1) WO2012018173A2 (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109147199A (en) * 2018-07-09 2019-01-04 保山市质量技术监督综合检测中心 A kind of device management method and system based on fingerprint recognition
CN109523370A (en) * 2017-09-18 2019-03-26 好多宝信息技术(深圳)有限公司 A kind of waybill loan transaction processing method, apparatus and system

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20180057167A (en) * 2016-11-22 2018-05-30 이종명 An Unmanned Financial Transactions System and A Financial Transactions Method Using The Same
WO2018117288A1 (en) * 2016-12-21 2018-06-28 이종명 Method for opening non-face-to-face financial account by using mobile terminal, and system therefor
KR102537892B1 (en) * 2022-12-01 2023-05-31 바이엇 주식회사 Device and method providing loan service

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20020032671A (en) * 2000-10-26 2002-05-04 배창렬 The person in question identification system using certificate of residence and control method thereof
KR20040022969A (en) * 2002-09-10 2004-03-18 (주)코프라인 A system and method for providing loaning mediation management service using kiosk
KR20040082877A (en) * 2003-03-20 2004-09-30 아프로파이낸셜그룹 주식회사 Online lending service using face image and method for employing thereof
KR20080035820A (en) * 2006-10-20 2008-04-24 노틸러스효성 주식회사 The method for loaning using an automatic loaning system
KR20080071211A (en) * 2006-12-19 2008-08-04 비씨카드(주) Method and system of real-time loan intermediation service

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20020032671A (en) * 2000-10-26 2002-05-04 배창렬 The person in question identification system using certificate of residence and control method thereof
KR20040022969A (en) * 2002-09-10 2004-03-18 (주)코프라인 A system and method for providing loaning mediation management service using kiosk
KR20040082877A (en) * 2003-03-20 2004-09-30 아프로파이낸셜그룹 주식회사 Online lending service using face image and method for employing thereof
KR20080035820A (en) * 2006-10-20 2008-04-24 노틸러스효성 주식회사 The method for loaning using an automatic loaning system
KR20080071211A (en) * 2006-12-19 2008-08-04 비씨카드(주) Method and system of real-time loan intermediation service

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109523370A (en) * 2017-09-18 2019-03-26 好多宝信息技术(深圳)有限公司 A kind of waybill loan transaction processing method, apparatus and system
CN109147199A (en) * 2018-07-09 2019-01-04 保山市质量技术监督综合检测中心 A kind of device management method and system based on fingerprint recognition

Also Published As

Publication number Publication date
KR101334744B1 (en) 2013-12-02
KR20120013881A (en) 2012-02-15
JP2013535755A (en) 2013-09-12
WO2012018173A3 (en) 2012-03-22

Similar Documents

Publication Publication Date Title
US8558663B2 (en) Integration of facial recognition into cross channel authentication
KR101626880B1 (en) Distinguish and recognition system of ID card for real name certification by non-face-to-face and online
WO2014051316A1 (en) Credit card payment system and credit card payment method using iris information
WO2016056853A1 (en) System for convenient person authentication using mobile communication terminal and actual financial card and method therefor
US9047454B2 (en) Authentication device and authentication system
JP2001273498A (en) Device, system, card and method for personal identification based on biometric
WO2017022990A1 (en) Financial transaction relay system having multi-safety lock function of processing user authentication by scanning both finger pulse and fingerprint, and processing method therefor
WO2012018173A2 (en) Method for processing automatic loan
WO2017043885A1 (en) Financial service providing method and system through mobile non-face-to-facereal name verification
JP2018124622A (en) Admission reception terminal, admission reception method, admission reception program, and admission reception system
JP2007241501A (en) Visitor specification system and method
WO2018117288A1 (en) Method for opening non-face-to-face financial account by using mobile terminal, and system therefor
WO2022097982A1 (en) Method and server for providing face recognition-based digital signature service
WO2018097382A1 (en) Unmanned financial transaction system and unmanned financial transaction method using same
WO2022114290A1 (en) Non-contact personal authentication system and method therefor
KR20220067918A (en) Apparatus and Method for Face Authentication using Digital ID
WO2020152840A1 (en) Certificate recognition system, certificate recognition method, and program
JP2006259836A (en) Unauthorized use monitoring system and method
WO2018074701A1 (en) Smart electronic health insurance card management system
WO2022114413A1 (en) Virtual currency withdrawal-processing method and exchange system
WO2022034981A1 (en) Blockchain decentralized identification-based ticket reservation method and apparatus
WO2017052276A1 (en) System and method for providing automated teller service using mobile terminal
WO2017069553A1 (en) Non-facing financial service system using user confirmation apparatus using parallel signature processing, and handwriting signature authentication technique
WO2015186965A2 (en) Pos system using input of multiple sequential fingerprint sets and driving method therefor
WO2020232889A1 (en) Check encashment method, apparatus and device, and computer-readable storage medium

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 11814773

Country of ref document: EP

Kind code of ref document: A2

ENP Entry into the national phase

Ref document number: 2013524025

Country of ref document: JP

Kind code of ref document: A

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 11814773

Country of ref document: EP

Kind code of ref document: A2