WO2020130218A1

WO2020130218A1 - Method for matching loan applicants with financial institutions according to information about loan applicants and server employing said method

Info

Publication number: WO2020130218A1
Application number: PCT/KR2018/016984
Authority: WO
Inventors: 이동휘
Original assignee: 마이뱅크주식회사
Priority date: 2018-12-21
Filing date: 2018-12-31
Publication date: 2020-06-25
Also published as: KR102041213B1

Abstract

Disclosed according to the present invention are a method of matching loan applicants with financial institutions according to information about the loan applicants and a server employing the method. The method comprises a step in which, according to obtained user authentication information, a loan origination server obtains, from at least one external information server, first requisite information to calculate a specific user's existing loan information and second requisite information to perform comparison with loan-related estimate information provided to or condition information for loans already granted to the specific user or other similar users and provides, or assists in providing, the user terminal with a selection UI allowing the user to select at least certain number of options from among (i) whether to apply for an additional loan, (ii) whether to repay the user's existing loan in the existing loan information, and (iii) whether to change the user's due date in the existing loan information, according to at least part of information including the existing loan information and the loan-related estimate information provided to or the condition information for loans already granted to the users, the corresponding information being calculated according to the first requisite information and the second requisite information.

Description

A method of matching a loan applicant to a financial company by referring to the information of the borrower and a server using the method

The present invention relates to a method of matching a loan applicant and a financial company by referring to the information of the loan applicant and a server using the same. More specifically, the loan diagnosis server supports a specific user, who is a loan applicant, to input personal identification information. Providing or providing a user authentication UI to a user terminal, and obtaining the user authentication information input by the specific user; The loan diagnosis server, from the at least one external information server with reference to the obtained user authentication information, the first necessary information for calculating the reserved loan information of the specific user and other users identical or similar to the specific user Acquiring second necessary information for comparison with provided loan related quotation information or previously executed loan condition information, and providing the previously held loan information and the other users calculated through the first necessary information and the second necessary information With reference to the loan-related quote information provided or at least some of the previously executed loan condition information, (i) whether additional loans are desired, (ii) whether or not to exchange the previously held loan information, and (iii) the Providing or providing a selection UI to the user terminal to support selection of at least a portion of whether or not to adjust the repayment period of the existing loan information; And the loan diagnosis server, at least some of (i) the selection information of the specific user input through the selection UI and (ii) the first necessary information and the second necessary information of the specific user input to a plurality of financial institution terminals. Providing or supporting information, and obtaining or providing at least one financial loan desired loan condition information to the user terminal by obtaining financial loan desired loan condition information corresponding to each from the plurality of financial institution terminals; It relates to a method comprising a and a server using the same.

The conventional loan system is generally established by a loan applicant visiting a financial company and signing a contract, and about 90% or more of the income sources of financial companies such as banks, capital, and savings banks are made of loans.

As a result, financial companies make a lot of efforts to find loan applicants, and it is difficult to find out who is the consumer of the loan until a loan inquiry is received directly from the loan applicant. Judging by the consumer, we are posting expensive keyword ads.

However, it is unknown whether the person who clicks on the keyword ad will actually apply for a loan, and whether or not he or she will be eligible for the loan. It is being passed on to the loan interest of the borrower.

On the other hand, applicants for loans are individuals such as names, social security numbers, and secured real estate that must be specified in order to find out whether they can get a loan or what the terms of the loan, such as interest rates, limits, and repayment period, if possible. Information must be opened to financial institutions, and loan assessments should be made to various financial institutions to find out better loan conditions.

However, it is not only time and physical limitations to go to various financial institutions to receive loan examinations, but also to conduct loan examinations several times leads to a decrease in credit ratings. There is a problem that it is delivered to the people and constantly receives spam calls.

Accordingly, the present inventor can easily filter out the loan eligible persons from the financial institutions' point of view, and compare the actual loanable conditions without the problem of indiscreet personal information leakage from the viewpoint of the loan applicants, in order to solve the problems of these financial companies and borrowers. We would like to provide a system that supports it.

Therefore, the present invention aims to solve all the above-mentioned problems.

In addition, the present invention matches loan applicants and financial companies by providing at least some of the required information of the loan applicants to a plurality of financial companies by referring to the loan information of the loan applicants, and obtaining the loan terms of the financial companies desired from the plurality of financial companies The other purpose is to increase the loan success rate.

In addition, another object of the present invention is to provide a financial institution with information about a loan applicant, so that the financial institution can easily identify the loan applicant without spending excessive advertising costs.

In addition, another object of the present invention is to allow a loan examination of a loan applicant to be performed only once at the time of authentication, so that the credit rating does not drop, and a loan in favorable conditions can be obtained without leakage of personal information.

The representative configuration of the present invention for achieving the above object is as follows.

According to an aspect of the present invention, in a method of matching a loan applicant with a financial company by referring to the information of the loan applicant, (a) the loan diagnosis server supports a specific user who is a loan applicant to input personal authentication information Providing or providing an authentication UI to a user terminal, and obtaining the user authentication information input by the specific user; (b) the loan diagnosis server, the first necessary information for calculating the pre-owned loan information of the specific user from at least one external information server with reference to the acquired authentication information, and other or the same as or similar to the specific user Acquiring second necessary information for comparing with loan related quotation information or previously executed loan condition information provided to users, and the previously held loan information and the other calculated through the first necessary information and the second necessary information With reference to at least some of the loan-related quote information provided to users or the previously executed loan condition information, (i) whether additional loans are desired, (ii) whether or not to exchange the previously held loan information, and ( iii) providing or providing a selection UI to the user terminal to support selection of at least a part of whether or not to adjust the repayment period of the held loan information; And (c) the loan diagnosis server, (i) the selection information of the specific user input through the selection UI to the plurality of financial institution terminals, and (ii) the first necessary information and the second necessary information of the specific user. Support or provide at least some of the information, and obtain or provide at least one of the financial institution desired loan condition information to the user terminal by obtaining financial loan desired loan condition information corresponding to each from the plurality of financial institution terminals A method comprising; is provided.

According to another aspect of the present invention, a server that matches a loan applicant with a financial company by referring to information of the loan applicant, the communication unit; And a first step of providing or providing a user authentication UI to a user terminal to support a specific user who is a loan applicant through the communication unit to input the user authentication information, and obtaining the user authentication information input by the specific user. Process, first necessary information for calculating the reserved loan information of the specific user from at least one external information server with reference to the obtained authentication information, and a loan-related estimate provided to other users who are the same or similar to the specific user Acquiring second necessary information to compare with information or previously executed loan condition information, and relating to the previously held loan information calculated through the first necessary information and the second necessary information and the loan provided to the other users With reference to the quote information or at least some of the previously executed loan condition information, (i) whether an additional loan is desired, (ii) whether or not to exchange the previously held loan information, and (iii) the previously held loan information. A second process of providing or providing a selection UI to the user terminal to support selection of at least a portion of whether or not to adjust the repayment period of the user, (i) input to the plurality of financial institution terminals through the selection UI Information on a specific user's selection and (ii) a desired loan condition of a financial company corresponding to each of the plurality of financial institution terminals, and supporting or providing at least some of the first necessary information and the second necessary information of the specific user By acquiring information, a server is provided that includes a processor that performs a third process to provide or provide at least one of the financial institution desired loan condition information to the user terminal.

In addition to this, another method, apparatus, system for implementing the present invention, and a computer-readable recording medium for recording a computer program for executing the method are further provided.

According to the present invention, by matching at least some of the required information of the loan applicant to the plurality of financial companies with reference to the existing loan information of the loan applicant, and obtaining information about the loan conditions of the financial company from the plurality of financial companies to match the loan applicant and the financial company By doing so, you can increase the loan success rate.

In addition, by providing the information of the loan applicant who is suitable for the financial company, the financial company can easily identify the loan applicant without spending excessive advertising costs.

In addition, the loan screening of the applicant of the loan can be performed only once when the user is authenticated, so that the credit rating does not drop, and the loan can be provided under favorable conditions without leakage of personal information.

1 is a block diagram of an entire system for matching a loan applicant and a financial company by referring to information of the loan applicant according to an embodiment of the present invention,

2A and 2B are flowcharts of a method of matching a loan applicant and a financial company by referring to information of the loan applicant according to an embodiment of the present invention,

3A and 3B are exemplary views of loan conditions of financial companies desired loans of a plurality of financial companies provided to a user terminal or a financial company terminal according to an embodiment of the present invention.

For a detailed description of the present invention, which will be described later, reference is made to the accompanying drawings that illustrate, by way of example, specific embodiments in which the present invention may be practiced. These examples are described in detail enough to enable those skilled in the art to practice the present invention. It should be understood that the various embodiments of the invention are different, but need not be mutually exclusive. For example, the specific shapes, structures, and properties described herein can be implemented in other embodiments without departing from the spirit and scope of the invention in relation to one embodiment.

In addition, it should be understood that the location or placement of individual components within each disclosed embodiment can be changed without departing from the spirit and scope of the invention. Therefore, the following detailed description is not intended to be taken in a limiting sense, and the scope of the present invention, if appropriately described, is limited only by the appended claims, along with all ranges equivalent to those claimed. In the drawings, similar reference numerals refer to the same or similar functions across various aspects.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings in order to enable those skilled in the art to easily implement the present invention.

1 is a configuration diagram of an entire system 1000 that matches a loan applicant and a financial company by referring to information of the loan applicant according to an embodiment of the present invention.

Referring to FIG. 1, the entire system 1000 according to the present invention may include a server 100, a user terminal 200, and a financial institution terminal 300.

First, the server 100 according to the present invention communicates with a user terminal 200 corresponding to a user who is a loan applicant and a financial institution terminal 300 corresponding to each of a plurality of financial companies, and refers to a loan applicant by referring to information of the loan applicant And serves to match financial companies, and may be referred to as a loan diagnosis server 100.

The server 100 may include a communication unit 110 and a processor 120. The communication unit 110 communicates with the user terminal 200 and the financial institution terminal 300, performs a function of exchanging information, and performs various communication. It can be implemented with technology.

Specifically, Wi-Fi (WIFI), WCDMA (Wideband CDMA), HSDPA (High Speed Downlink Packet Access), HSUPA (High Speed Uplink Packet Access), HSPA (High Speed Packet Access), Mobile WiMAX, WiBro ), LTE (Long Term Evolution), Bluetooth (bluetooth), infrared communication (IrDA, infrared data association), NFC (Near Field Communication), Zigbee (Zigbee), wireless LAN technology, etc. can be applied. If is provided, it can follow TCP/IP, a standard protocol for information transmission on the Internet.

Meanwhile, specific functions of the processor 120 will be described later with reference to FIGS. 2A and 2B.

Next, the user terminal 200 and the financial institution terminal 300 correspond to each user or financial company as described above, and a digital device including a function to communicate after accessing the server 100 according to the present invention As, as a desktop computer, notebook computer, workstation, PDA, web pad, mobile phone, etc., equipped with a memory means and equipped with a microprocessor, any digital device equipped with a computing power, the user terminal 200 and the financial company according to the present invention It may be adopted as the terminal 300.

Next, with reference to FIGS. 2A and 2B, a method of matching a loan applicant to a financial company will be described in detail with reference to information of a loan applicant according to an embodiment of the present invention.

2A and 2B are flowcharts of a method of matching a loan applicant and a financial company by referring to information of the loan applicant according to an embodiment of the present invention.

Specifically, referring to FIG. 2A, the processor 120 is a step (a) of a method of matching a loan applicant and a financial company by referring to information of the loan applicant, and allows a specific user who is a loan applicant through the communication unit 110 The first process of providing or providing the user authentication UI to the user terminal 200 to support the user authentication information input, and obtaining the user authentication information input by a specific user may be performed (S202 ).

Here, the user authentication information may include at least some of the name information, the social security number information, and the contact information of the specific user, and the user authentication UI supports the user to select whether to consent to the use of the user's own authentication information. A predetermined UI may be further provided.

At this time, if a specific user does not agree on the use of his/her own authentication information, a service using a method of matching a loan company and a financial company provided by the server 100 of the present invention cannot be used (S204). .

Next, the processor 120, as step (b), the first necessary information for calculating the reserved loan information of the specific user from at least one external information server (not shown) with reference to the acquired personal authentication information And second necessary information for comparing the loan related quotation information or previously executed loan condition information provided to other users who are the same or similar to the specific user (S206, S208).

First, the processor 120 obtains the reserved loan information using the first necessary information (S210, S214), and refers to at least some of the second required information and the reserved loan information, (i) additional loans The user terminal 200 has a selection UI that supports selecting at least a portion of whether or not it is desired, (ii) whether or not the loan information of the previously held loan is desired, and (iii) whether or not the adjustment of the repayment period of the held loan information is desired. A second process of providing or providing support (S222) may be performed.

Here, as the external information server, providing at least some of account information, credit information, health insurance information, national pension information, and real estate information of a specific user, such as a credit rating agency, the Health Insurance Corporation, the National Pension Service, the Ministry of Land, Infrastructure and Transport, and the bank. Institutional servers may be included.

In addition, the first necessary information may include at least some of personal information, account information, and credit information for a specific user, and the second necessary information includes at least some of health insurance information, national pension information, and real estate information. However, it is not limited thereto, and credit information may be included in the second necessary information.

More specifically, the account information includes deposit and withdrawal history information of the account held by a specific user, and the credit information includes at least some of credit rating information, credit rating information, debt information, income information, and address information of the specific user, and health The insurance information includes at least a part of the job information, income information, and duration information of the specific user, the national pension information includes the proof of income of the specific user, and the real estate information may include information on the security value of the real estate of the specific user. have.

In the above steps S206 to S208, when the user is authenticated, the loan evaluation of a specific user is performed only once for the first time, so that the credit rating of the specific user may be reduced due to repeated loan inspection in the conventional loan system.

On the other hand, in step S210, when a specific user does not hold a loan, the service according to the present invention may be stopped (S212).

Next, in calculating the pre-owned loan information (S214), the processor 120 refers to the deposit and withdrawal breakdown information of the account information held by the specific user, to the specific amount withdrawn at a specific date interval determined as the loan repayment breakdown If information about the existing information exists, it may be possible to invert the loan information previously held by referring to the information.

The previously held loan information calculated as described above may include information on loan principal, monthly repayment principle (principal + interest), loan interest rate, and repayment period.

Meanwhile, in performing the second process, the processor 120 corresponds to a threshold range of at least some of the second required information of the specific user when it is determined that the reserved loan information exists to the specific user (S210). With reference to at least some of the existing loan estimate information and the existing loan information of another user having the specific required information (S216), it is possible to extract loan reference information that is more advantageous than at least some of the information of the specific user's existing loan (S218). ).

For example, in the existing loan estimate DB and/or the existing loan DB owned or interlocked by the server 100, the credit rating is the same as the specific user and the specific user is referred to by referring to the credit rating and income information among the necessary information of the specific user. By collecting loan estimate information and/or loan information of other users, which correspond to 80% to 120% of the annual salary, the loan amount is 1.5 times higher than the loan amount of a specific user, or loan interest rate among other users' loan conditions If the loan estimate information and/or loan information that is 2% or more lower or the repayment period is 1.5 times or more exists, the corresponding loan estimate information and/or loan information may be extracted as loan reference information for the specific user. . Here, the reason for considering the existing loan estimate DB is that it is judged that the information itself may be meaningful even if the existing loan has not been successfully completed. In addition, the pre-loan DB may include pre-loan information through a member company of the server 100 or pre-loan information through a non-member company.

As another example, referring to the collateral value and income information among the second necessary information of a specific user, 90% to 110% of the real estate value of the specific user and 80% to 120% of the salary of the specific user By collecting the loan information of users, among the loan conditions of other users, there is a loan amount of 1.2 times more than a specific user's existing loan information, a loan rate of 1% or more, or a loan period of 1.5 times or more. In this case, the loan information may be extracted as loan reference information.

On the other hand, in step S218, if there is no favorable loan condition than the existing loan information of a specific user among the loan conditions of the extracted loan reference information, the service according to the present invention may be stopped (S212).

Further, as another example, in step S218, if there is no favorable loan condition than the existing loan information of a specific user among the loan conditions of the extracted loan reference information, in step (c) to be described later, the processor 120, the specific user At least a part of the first and second necessary information of may be provided to a plurality of financial companies, and a plurality of financial companies may be supported to propose information about desired loan terms of each financial company.

Next, the processor 120 provides or provides the loan reference information to the user terminal 200 (S220), but the loan reference information is information on at least a part of the loan amount and its limit, the loan interest rate and the repayment period And whether or not a specific user wants additional loans through the selection UI with reference to the loan reference information, (ii) whether or not to exchange the loan information, and (iii) the repayment period of the loan information. It may be able to support to select at least a portion of whether or not you want to adjust (S222).

Through this, a specific user does not need to indicate a loan intention for a loan or to enter his/her own information, and the user's own authentication information entered by the specific user is inverted to obtain the loan information held by the specific user and has similar conditions to the specific user. It may provide loan reference information referring to loan information of other users.

Meanwhile, extraction of loan reference information is performed on information that satisfies a threshold value of a predetermined filtering condition, and the filtering condition refers to at least a part of the second necessary information, policy situation information, and law revision situation information of a specific user. Can be decided.

Here, when the reserved loan information of a specific user includes a first time point before at least a part of the second required information, policy situation information, and legal amendment information of the specific user changes, the processor 120 may include the first The filtering condition is extracted by extracting at least some of the variation values of the second required information, the policy status information, and the legal revision status information of the specific user between the second time point, which is the current time point, and referring to at least some of the extracted variation values. The threshold may be determined.

For example, as of January 2018, there has been a change in interest rate policy, and specific user's existing loan information received a loan of 4% of the interest rate in August 2016 (at the first time), and in December 2018 2 point of view) It can be assumed that it appears to be still being repaid.

At this time, the second required information of a specific user appears to be 30 million won in annual salary in 2016 and 40 million won in annual salary in 2018. The loan interest rate of the income quintile, which includes 4% and 40 million won, is 3.5%, and in December, 2018 (the second time), the income quartile, which includes the 3.8% and 40 million won, of the income quintile, which includes 30 million won If the loan interest rate of 3.3% is 3.3%, the threshold for determining the filtering conditions for the loan rate is 3.3% or less, and refer to the loan information with a loan rate of 3.3% or less among other users' loan information including income 40 million won. Therefore, the loan reference information may be extracted.

As another example, as of March 2018, there were changes in policies related to small business owners among policies, and the loan information held by a specific user was loaned in January 2017 (point 1), and December 2018 (second) Time) It can be assumed that it appears to be being repaid even now.

At this time, it appears that the second required information of a specific user corresponds to a small business of a specific industry, and the loan support policy related to the small business was not available for loan support of a specific industry in January 2017 (at the first time), but in 2018 3 If the specific industry is changed to be available for loan based on the month, the loan reference information may be extracted by determining the small business owner of the specific industry as a filtering condition and referring to the loan information of the small business owners of the specific industry. will be.

On the other hand, in step S222, if there is no favorable loan condition than the existing loan information of a specific user among the loan conditions of the extracted loan reference information, the service according to the present invention may be stopped (S212).

Next, in performing the second process, the processor 120 further obtains user desired loan condition information from the user terminal 200, but with reference to at least some of the previously held loan information and the user desired loan condition information, Through a selection UI, a specific user may select at least some of: (i) whether they want additional loans, (ii) whether they want to replace their existing loan information, and (iii) whether they want to adjust the repayment period of their existing loan information. Will be able to support you.

That is, the processor 120 directly obtains the desired user desired loan condition information and provides a selection UI to the specific user, and in step (c) described later, the obtained desired user loan condition information and previously held loan information It will be able to provide at least one financial company that matches at least some of them.

At this time, the user's desired loan condition information may include at least a part of the loan amount limit, the loan interest rate, the repayment period, and the open range of financial sectors (1 to 3 financial sectors).

Next, referring to FIG. 2B, the processor 120, as a step (c), refers to selection information of a specific user input through the selection UI, and refers to a first user of a specific user in a plurality of financial institution terminals 300. And providing or providing at least some information among the second necessary information (S224, S226), and obtaining financial information of the desired loan conditions corresponding to each from the plurality of financial institution terminals 300 (S228 to S232), the user terminal A third process of providing or providing at least one financial company desired loan condition information to the 200 may be performed (S238).

That is, after a plurality of financial companies offer loan conditions to a user in need of a loan to make a bid, it is possible to provide a reverse auction-type loan system that allows the user to select a favorite financial company.

At this time, in providing or assisting to provide or provide at least some of the first and second necessary information of a specific user to the plurality of financial institution terminals 300, the processor 120 may provide personal information among the first and second necessary information. And it may be possible to provide or provide information other than the account information to a plurality of financial institutions terminal 300, through which can solve the problem of the leakage of personal information of a specific user due to multiple loan consultations in the conventional loan system. .

On the other hand, the processor 120, if at least some of the first and second required information of a specific user falls under the non-loan condition that is registered by each of the plurality of financial companies, the information of the specific user is exposed to the financial companies. By not doing so, users and financial companies will be able to match opponents that are more suitable for each other.

In addition, the processor 120, by allowing the financial companies to input the loan eligibility condition information of each desired condition, when at least some of the user's first and second necessary information corresponding to the loan eligibility condition information is obtained, It may be possible to set the financial institution's desired loan condition information to be automatically input.

Next, in performing the third process, the financial institution's desired loan condition information includes information on at least a portion of the loan amount limit, the loan interest rate, the repayment period, and when the loan is possible, but the processor 120 includes a plurality of financial companies By supporting the user to input the information on the loan terms of the financial companies corresponding to each through the financial device terminal 300 (S230), it is possible to obtain the information of the plurality of loan terms of the financial companies desired (S232).

In addition, the processor 120 may change a UI to change a specific UI to support a specific financial company that has entered the desired loan condition information for the first time among a plurality of financial companies to change the desired loan condition information of the specific financial company. When the financial institution terminal 300 is provided or supported to be provided (S234), and the specific financial company desired loan condition information is determined, the financial institution desired loan condition information corresponding to a plurality of financial companies including the specific financial company desired loan condition information to the user terminal ( 200) may be provided or supported (S238).

In performing the step S234 as described above, the processor 120 may disclose information about financial companies' desired loan conditions of other financial companies to specific financial companies that have initially entered the financial terms of the desired financial companies, and may change information on the loan terms of their financial companies. By granting qualified qualifications, it will be possible to support the return of benefits to certain highly active financial institutions.

Next, in providing or providing the financial institution desired loan condition information corresponding to a plurality of financial companies to the user terminal 200, the processor 120 may include at least some of the second required information and the reserved loan information of the specific user. With reference to, it is possible to provide or support the user terminal 200 to provide a predetermined number of upper financial institution desired loan condition information matching a specific user among financial institution desired loan condition information corresponding to a plurality of financial companies (S238).

For example, among the 10 loan terms desired by financial companies, weight information may be given to the income information of the specific user or the interest rate information of the previously held loan information, so that only the desired loan terms of the financial institutions suitable for a specific user may be provided to the user. .

At this time, the weight may be preset by the user terminal 200 or the server 100 of a specific user.

As another example, among the ten financial companies desired loan condition information, a predetermined number of the top three financial companies desired loan condition information may be provided to the user.

On the other hand, if at least a part of the loan information desired by the upper financial institution desired by the specific user through the user terminal 200 is selected (S240), the processor 120, the financial institution of the particular upper financial company corresponding to the selected loan information of the desired upper financial company The terminal 300 and the user terminal 200 of a specific user may be provided with or provide detailed information of each other (S244 to S248).

Here, the detailed information of the specific user may include at least some of personal information, credit information, health insurance information, national pension information, and real estate information. More specifically, the personal information may include at least some of the contact information and name of the specific user. May include, credit information may include at least some of credit rating/scoring information, debt information, income information, address, health insurance information may include at least a portion of the job, income, and work period, and the public The pension information may include proof of income verification information, and the real estate information may include real estate collateral value information.

In addition, detailed information of a specific top financial company may include at least a part of a company name, a branch name, a person in charge, a contact number, and a picture of the person in charge.

On the other hand, in step S240, the processor 120 may support a specific user through the user terminal 200 to select information within a preset number of loan terms desired by the top financial companies.

At this time, the processor 120 may provide a user terminal 200 with a predetermined UI that supports to divide and input the loan amount limit for each upper financial company corresponding to information selected by a specific user, which specific user Through this, you may be able to receive loans by appropriately dividing the loan amount limits you want from multiple top financial companies.

Meanwhile, in steps S226 and S244, a predetermined notification may be provided to the financial institution terminal 300, for example, an SMS notification or a push notification may be automatically sent.

Here, in step S44, the notification provided to the financial institution terminal 300 may be provided with a link to make a call to a contact of a specific user. The processor 120 corresponds to a financial company corresponding to the financial institution terminal 300 It is possible to obtain information on the time it takes to access the link, and if it is determined that the financial company has not accessed the link within a preset time, it is eligible to confiscate deposits from financial companies or to enter information about the loan terms desired by financial companies for other users. Penalties such as deprivation of a certain number of times may be imposed.

Next, with reference to FIGS. 3A and 3B, examples of loan conditions of financial companies desired loans provided by the user terminal 200 or the financial institution terminal 300 will be described.

3A and 3B are exemplary views of loan conditions of financial companies' desired loans provided to the user terminal 200 or the financial institution terminal 300 according to an embodiment of the present invention.

Referring to FIG. 3A, the user terminal 200 or the financial institution terminal 300 includes a ranking or number 310 of financial companies, a financial institution range 320, a loan amount limit 330, a loan interest rate 340, and a repayment period. (350), the repayment method 360 may include information about the loan terms desired by a financial company that includes at least a portion.

At this time, whether or not the name of the financial company is provided may vary depending on the setting of the server 100. For example, the financial company's integrity, the cost paid by the financial company, the history of repaying the loan of a specific user, or the cost paid by the specific user, etc. It may be decided whether or not to provide the name of a financial company.

Next, it may be assumed that a platform matching a specific user and a financial company is operated through a predetermined advertising cost paid by a specific user or a financial company.

At this time, the processor 120 responds after the cumulative cost information paid by the financial company, the history information that the financial company has entered the desired loan condition information of the past financial company, and the financial company has been selected as the loan desired financial company to the corresponding user after the third process in the past. With reference to at least one of the time taken to contact the user to be contacted, whether or not there is contact information, and the past loan history information using the platform of the financial company, the information of the desired loan condition of the financial company provided to the user terminal 200 in the third process You may be able to adjust the ranking of the list, or adjust the advertising costs charged to financial institutions.

In addition, the processor 120 may refer to at least one of cumulative cost information paid by a specific user, past loan repayment integrity information of a specific user, and past loan history information using a platform of a specific user, in a third process. In the user terminal 200, the name of the financial company corresponding to the desired loan condition information of the financial company provided may be adjusted, or the advertising cost charged to a specific user may be adjusted.

Next, in performing the third process, the processor 120 is specified in a plurality of financial institution terminals 300 with reference to selection information of a specific user input through the selection UI as step (c-1). By providing or providing at least some of the user's first and second necessary information, and supporting a plurality of financial companies to input information about desired financial company loan conditions, inputted plurality of financial company desired loan condition information A 3-1 process of acquiring can be performed.

Subsequently, the processor 120 extracts, as a step (c-2), a desired number of upper financial institution desired loan condition information from a plurality of obtained financial institution desired loan condition information, and enters financial institution desired loan condition information. Provide a change UI to each financial company terminal 300 to provide or support each financial company terminal 300, and to support specific financial companies to change information on desired loan conditions for each financial company for a predetermined time. You can perform a 3-2 process to provide or to provide.

For example, when the financial institutions of 20 companies have entered the desired loan terms of the financial companies, the desired loan conditions of the financial companies of each other as shown in FIG. 3A are disclosed to the top 10 specific financial companies suitable for a specific user by predetermined criteria. You will be given the opportunity to change the information on the loan terms of your own financial institution.

On the other hand, the processor 120, in the 3-2 process to extract the desired loan conditions information of the top financial companies to provide or provide to the financial services terminal 300 of each of the specific financial companies, as shown in Figure 3a, The names of the top financial companies that correspond to the desired loan condition information of the top financial companies may be set not to be provided.

Next, the processor 120, in step (c-3), when the final loan information desired by the final financial companies of each of the specific financial companies is input through the change UI, the final number of the desired final financial company loan conditions information is higher than the preset number The third financial process may be performed by extracting the information on the final loan terms desired by the financial institution and providing or providing the user terminal 200 with the information.

For example, the top 10 specific financial companies selected in the 3-2 process may change the loan terms of their financial companies desired in the state of FIG. 3A, as in the bolded change of FIG. 3B, and of the top 10 When the final loan terms information of the final financial company is obtained, it is possible to provide the user with the desired final loan terms of the top five financial institutions suitable for a specific user according to a predetermined criterion among them.

On the other hand, the processor 120, in the process of extracting the high-end final financial company desired loan condition information in the 3-3 process to provide or provide to the user terminal 200, the high-end final corresponding to the high-end final financial company desired loan condition information It provides information on financial companies, and whether or not the name of the top final financial company is disclosed may vary depending on the setting of the server 100.

In addition, the processor 120, after the cumulative cost information paid by the financial company, the history information that the financial company has responded to the past 3-1 process, after the financial company has been selected as the desired financial company to loan to the corresponding user after the past 3-3 process The top final financial company provided to the user terminal 200 in the 3-3 process with reference to at least one of the time taken to contact the corresponding user, information on whether or not to contact, and past loan history information using the platform of the financial company. In the list of desired loan condition information, the rank ranking may be adjusted, or the advertising costs charged to financial companies may be adjusted.

Also, the processor 120 may refer to at least one of cumulative cost information paid by a specific user, past loan repayment integrity information of the specific user, and past loan history information using the platform of the specific user, third- In step 3, the name of the top final financial company corresponding to the desired final loan terms information provided to the user terminal 200 may be adjusted or the advertising cost charged to a specific user may be adjusted.

Next, in performing the third process, if the financial institution's desired loan condition information is not obtained, or if the financial institution's desired loan condition information does not match the specific user, the processor 120 allows the specific user to limit the loan amount. It may be possible to provide or support the user terminal 200 with a priority UI that supports setting a priority for condition items including at least a part of a condition, a loan interest rate condition, a repayment period condition, and a loanable time condition. will be.

For example, a specific user may set the loan interest rate condition as the first priority and the loan amount limit condition as the second priority through the priority UI.

Subsequently, the processor 120 may provide or provide the upper condition items of a specific user to the next lane financial companies whose value of the upper condition item of the predetermined number determined through the priority UI matches as much as the predetermined percentage, thereby providing It may be possible to obtain information on the loan conditions of each lane financial company desired from each financial company terminal 300 corresponding to the fields, and provide or provide at least one lane financial company desired loan condition information to the user terminal 200.

For example, if the loan interest rate condition of a specific user is 3% and the loan amount limit condition is 20 million won, the loan interest rate condition is 2.9 to 3.5%, and the loan amount limit condition is 10 million to 30 million won. Providing the corresponding terms and conditions, and obtaining the desired loan terms information from the next-line financial companies, it will be able to provide to the user.

On the other hand, in providing or providing sub-financial financial companies with high-level items of a specific user, the processor 120 may divide the sub-bank financial companies to select at least a portion of the amount corresponding to the loan amount limit condition To provide or provide a loan UI to each financial company terminal 300 corresponding to the next lane financial companies, and when the loan amount limit condition is achieved through the divided loan UI, to a combination of specific lane financial companies that contributed to the achievement of the loan amount limit condition By doing so, it will be possible to close the loan of a specific user.

For example, the first financial company with a loan interest rate condition of 2.9% and a loan amount limit condition of 10 million won, and a second financial company with a loan amount limit condition of 3.3% and a loan amount limit condition of 15 million won, 2000 Provides a split loan UI to select some of the 10,000 won, and the first financial company bids for 10 million won, and the second financial company bids for the remaining amount of 10 million won, a specific user by the combination of the first financial company and the second financial company Will be able to close your loan.

Next, in performing the third process, if the financial institution's desired loan condition information is not obtained, or if the financial institution's desired loan condition information does not match the specific user, the processor 120 matches the specific user and the financial company. Among a plurality of financial companies that do not have high loan success rates using the platform, certain financial companies that meet predetermined criteria may be supported to form a coalition.

Here, the predetermined predetermined criteria, if the corporate credit rating is above the threshold, if the capital is less than the threshold and can not bid for a large amount of loans, if the number of bids of financial companies is above the threshold, it is selected after being selected as the final financial company to the past user If the time taken to contact the user is below a threshold, it may include at least a part of the case where the advertising cost paid by the financial institution relative to the capital is above the threshold.

At this time, the processor 120, when a specific user and specific financial companies agree to the formation of the association, analyzes the desired loan condition information of each specific financial company corresponding to the specific financial companies, each of the specific financial companies by a predetermined compromise algorithm By determining the information on the trade-off loan conditions, the alliance will be able to close a particular user's loan.

The predetermined trade-off algorithm, for example, adjusts the loan condition to the average or median value of at least a portion of each condition included in the desired loan condition information of a plurality of specific financial companies, or each included in the loan condition information of each specific financial company It may be an algorithm that determines the differentiated loan condition information differentiated for each specific financial company by compensating the loan conditions of each specific financial company within a threshold range of conditions.

The embodiments according to the present invention described above may be implemented in the form of program instructions that can be executed through various computer components and can be recorded in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, or the like alone or in combination. The program instructions recorded on the computer-readable recording medium may be specially designed and configured for the present invention or may be known and usable by those skilled in the computer software field. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs, DVDs, and magneto-optical media such as floptical disks. media), and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language codes produced by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules to perform processing according to the present invention, and vice versa.

In the above, the present invention has been described by specific matters such as specific components, etc. and limited embodiments and drawings, which are provided to help a more comprehensive understanding of the present invention, and the present invention is not limited to the above embodiments , Those skilled in the art to which the present invention pertains can make various modifications and variations from these descriptions.

Therefore, the spirit of the present invention is not limited to the above-described embodiment, and should not be determined, and all claims that are equally or equivalently modified with the claims as described below belong to the scope of the spirit of the present invention. Would say

Claims

In the method of matching the loan applicant and the financial company by referring to the information of the loan applicant,

(a) The loan diagnosis server provides or provides a user authentication UI to a user terminal to support a specific user who is a loan applicant to input the user authentication information, and obtains the user authentication information input by the specific user To do;

(b) the loan diagnosis server, the first necessary information for calculating the pre-owned loan information of the specific user from at least one external information server with reference to the acquired authentication information, and other or the same as or similar to the specific user Acquiring second necessary information to compare with loan related quotation information or previously executed loan condition information provided to users, and the previously held loan information and the other calculated through the first necessary information and the second necessary information With reference to at least some of the loan-related quote information provided to users or the previously executed loan condition information, (i) whether additional loans are desired, (ii) whether or not to exchange the previously held loan information, and ( iii) providing or providing a selection UI to the user terminal to support selection of at least a part of whether or not to adjust the repayment period of the held loan information; And

(c) the loan diagnosis server is selected from (i) the selection information of the specific user input through the selection UI and (ii) the first necessary information and the second necessary information of the specific user to the plurality of financial institution terminals Supporting or providing at least one piece of information, and obtaining or providing at least one piece of the desired loan terms information to the user terminal by acquiring the corresponding information about the desired loan terms from each of the plurality of financial device terminals. step;

How to include.
According to claim 1,

When the loan diagnosis server determines that the reserved loan information exists to the specific user,

In step (c),

The previously held loan of the specific user is referred to by referring to at least some of the existing loan estimate information and the existing loan information of another user having specific necessary information corresponding to a threshold range of at least some of the second required information of the specific user. Extract loan reference information that is more favorable than at least some of the information,

Provide or provide the loan reference information to the user terminal, wherein the loan reference information includes information on at least a portion of the loan amount and its limit, the loan interest rate and the repayment period,

The specific user, through the selection UI with reference to the loan reference information, (i) whether or not additional loans are desired, (ii) whether or not to exchange the previously held loan information, and (iii) of the previously held loan information. A method characterized by supporting the selection of at least a portion of whether or not an adjustment of the repayment period is desired.
According to claim 2,

Extraction of the loan reference information is performed on information that satisfies a threshold of a predetermined filtering condition,

The filtering condition is determined by referring to at least some of the second necessary information, the policy situation information, and the law revision situation information of the specific user,

When the reserved loan information of the specific user includes a first time point before at least a part of the second necessary information, the policy situation information, and the law revision situation information of the specific user changes,

The loan diagnosis server,

A variation value of at least a portion of the second necessary information, the policy status information, and the law revision status information of the specific user between the first time point and the second time point that is the current time point is extracted, and among the extracted variation values And determining the threshold of the filtering condition with reference to at least a portion.
According to claim 1,

The identification information includes at least a part of the name information, resident registration number information, and contact information of the specific user,

The first necessary information includes at least some of personal information, account information, and credit information for the specific user, and the second necessary information includes at least some of health insurance information, national pension information and real estate information, and credit information. Including,

The account information includes deposit and withdrawal history information of the account held by the specific user, and the credit information includes at least some of credit rating information, credit rating information, debt information, income information, and address information of the specific user, The health insurance information includes at least a part of the specific user's workplace information, income information, and work period information, and the national pension information includes the specific user's income proof information, and the real estate information is the specific user's real estate security A method characterized by including value information.
According to claim 1,

In step (c), in providing or supporting at least some of the first necessary information and the second necessary information of the specific user to the plurality of financial institution terminals,

The loan diagnosis server, characterized in that to support or provide to provide information to the plurality of financial institution terminal, except for the personal information and account information of the first required information and the second required information.
According to claim 1,

Step (c) is,

The loan diagnosis server, (i) the selection information of the specific user input through the selection UI to a plurality of financial institution terminals determined with reference to at least some of the second necessary information and (ii) the first of the specific user By providing or providing at least some of the necessary information and the second necessary information, and obtaining the financial information of the financial institutions desired loan corresponding to each from the plurality of financial institutions terminals, at least one of the financial institutions desired loans to the user terminal A method characterized by providing or assisting in providing condition information.
The method of claim 6,

The plurality of financial company terminal, the filtering conditions by the specific user, the filtering conditions by the plurality of financial companies and at least a part of the filtering conditions by the loan diagnosis server is further determined by reference.
According to claim 1,

Step (c) is,

With reference to loan information of another user having specific need information corresponding to a threshold range of at least some of the second need information of the specific user, refer to a loan that is more advantageous than at least some of the previously held loan information of the specific user In extracting the information, a method characterized by extracting the advantageous loan reference information by using at least a part of the existing loan estimate DB and the existing loan DB that are held or linked to the loan diagnosis server.
According to claim 1,

In step (b),

The loan diagnosis server further acquires user desired loan condition information from the user terminal, but referring to at least some of the previously held loan information and the user desired loan condition information, the specific user may perform a (i ) Whether or not additional loans are desired, (ii) whether or not to exchange the previously held loan information, and (iii) whether or not to adjust the repayment period of the previously held loan information. How to.
According to claim 1,

In step (c),

The information about the loan terms desired by the financial company includes information on at least a part of the loan amount limit, the loan interest rate, the repayment period, and when the loan is possible,

The loan diagnosis server,

After supporting a plurality of financial companies desired loan condition information by supporting a plurality of financial companies to input the desired loan conditions information of the financial companies corresponding to each through the terminal of the financial company,

Provide a change UI to a specific financial company terminal that supports a specific financial company that has entered the desired loan condition information for the first time among the plurality of financial companies to change information on the desired loan condition for a specific financial company that has been previously input thereto, or To provide,

And when the desired loan condition information of the specific financial company is determined, providing or providing the desired loan condition information of the financial company corresponding to the plurality of financial companies including the loan condition information of the specific financial company to the user terminal. .
The method of claim 10,

In providing or supporting the financial institution desired loan condition information corresponding to the plurality of financial companies to the user terminal,

The loan diagnosis server is preset to match the specific user among the desired loan condition information of the financial companies corresponding to the plurality of financial companies by referring to at least some of the second necessary information and the previously held loan information of the specific user Provides or provides information on the number of top financial companies desired loan conditions to the user terminal,

When at least a portion of the loan conditions of the upper financial institution desired is selected by the specific user through the user terminal, the loan diagnosis server may include the financial institution terminal of the particular higher financial institution and the specific To provide or provide each of the detailed information to each of the user terminal of the user,

The detailed information of the specific user includes at least a part of personal information, credit information, health insurance information, national pension information, and real estate information, and the detailed information of the specific top financial company is among company name, branch name, person in charge, contact information, and picture of the person in charge Method comprising at least a portion.
The method of claim 10,

The platform for matching the specific user and the financial company is operated through a predetermined advertising cost paid by the specific user or the financial company,

The loan diagnosis server,

Cumulative cost information paid by the financial company, history information in which the financial company has entered the desired financial terms of the financial company in the past, and the corresponding user after the financial company has been selected as a preferred financial company to loan to the corresponding user after step (c) in the past. Information on the desired loan conditions provided to the user terminal in step (c), with reference to at least one of the time taken to contact the user and whether or not to contact the information, and the past loan history information using the platform of the financial company. Adjust the rank ranking among the list of, or adjust the advertising costs charged to the financial companies,

With reference to at least one of the cumulative cost information paid by the specific user, the past loan repayment integrity information of the specific user, and the past loan history information using the platform of the specific user, in step (c), A method of adjusting whether or not to disclose the name of a financial company corresponding to the desired loan condition information of the financial company provided to the user terminal, or adjusting the advertisement cost charged to the specific user.
According to claim 1,

The information about the loan terms desired by the financial company includes information on at least a part of the loan amount limit, the loan interest rate, the repayment period, and when the loan is possible,

Step (c) is,

(c-1) The loan diagnosis server, with reference to selection information of the specific user input through the selection UI, among the first and second required information of the specific user to the plurality of financial institution terminals Obtaining at least some of the input of the desired loan conditions of the financial companies by providing or supporting at least some information, and supporting the plurality of financial companies to input the information of the loan terms of the financial companies corresponding to each;

(c-2) The loan diagnosis server extracts a predetermined number of high-ranking financial institution desired loan condition information from the obtained plurality of financial institution desired loan condition information, and enters the financial institution's desired loan condition information, and then enters the financial institution's desired loan condition information. Provides or supports to provide to the terminal, and provides or provides a change UI to each of the financial company terminals to support the specific financial companies to change the desired loan conditions information of the financial companies corresponding to each for a predetermined time. step; And

(c-3) When the final loan request information of the final financial companies of each of the specific financial companies is input through the change UI, the loan diagnosis server desires a higher final financial company of a predetermined number among the final loan terms information of the final financial company. Extracting loan condition information and providing it to the user terminal or supporting it;

Method characterized by consisting of.
The method of claim 13,

In step (c-2), the name of the upper financial institution corresponding to the desired loan condition information of the upper financial institution in extracting the desired loan condition information of the upper financial institution and providing or providing the information to the financial institution terminal of each of the specific financial institutions Does not provide,

In the step (c-3), by providing information on the desired final loan terms of the final financial company and providing or providing the information to the user terminal, information on the upper final financial company corresponding to the desired loan condition information of the upper final financial company is provided. Method characterized in that.
The method of claim 14,

The platform for matching the specific user and the financial company is operated through a predetermined advertising cost paid by the specific user or the financial company,

The loan diagnosis server,

The cumulative cost information paid by the financial company, the history information that the financial company has responded to in step (c-1) in the past, and the financial company has been selected as a preferred financial company to loan to the corresponding user after the step (c-3) in the past. With reference to at least one of the time taken to contact the corresponding user and whether or not there is contact information, and the past loan history information using the platform of the financial company, the (c-3) is provided to the user terminal in step Adjust the rank ranking among the list of the top final financial company desired loan condition information, or adjust the advertisement cost charged to the financial company,

Step (c-3) with reference to at least one of cumulative cost information paid by the specific user, past loan repayment integrity information of the specific user, and past loan history information using the platform of the specific user. A method of adjusting the disclosure of the name of the upper final financial company corresponding to the desired loan condition information of the upper final financial company provided to the user terminal, or adjusting the advertisement cost charged to the specific user.
According to claim 1,

The information about the loan terms desired by the financial company includes information on at least a part of the loan amount limit, the loan interest rate, the repayment period, and when the loan is possible,

In step (c), if the financial institution desired loan condition information is not obtained, or if the financial institution desired loan condition information matching the specific user does not exist,

The loan diagnosis server,

Providing a priority UI to the user terminal to assist the specific user to set priorities for condition items including at least a portion of a loan amount limit condition, a loan interest rate condition, a repayment period condition, and a loanable time condition Or provide

By providing or providing the upper condition items of the specific user to lane financial companies whose value of a predetermined number of upper condition items determined through the priority UI meets a predetermined percentage, corresponding to the lane financial companies A method comprising obtaining information on desired loan conditions for each lane financial company from each financial institution terminal and providing or providing at least one of the lane financial entity desired loan condition information to the user terminal.
The method of claim 16,

In providing or assisting sub-financial companies to provide or provide the above condition items of the specific user,

The loan diagnosis server,

Support or provide the sub-financial UI to each of the financial companies terminals corresponding to the sub-optimal financial companies, to support the sub-financial companies to select at least a portion of the sub-terms corresponding to the loan amount limit conditions,

When the loan amount limit condition is achieved through the divided loan UI, the method of claim 1, wherein the loan of the specific user is completed by a combination of specific subsidiaries that contributed to the loan amount limit condition.
According to claim 1,

In step (c), if the financial institution desired loan condition information is not obtained, or if the financial institution desired loan condition information matching the specific user does not exist,

The loan diagnosis server,

Among a plurality of financial companies that do not have a high loan success rate using the platform matching the specific user and the financial company, support specific financial companies that meet predetermined criteria to form an association,

When the specific user and the specific financial companies agree to the formation of the association, each specific financial company desired loan condition information corresponding to the specific financial companies is analyzed, and the compromise loan condition of each of the specific financial companies is determined by a predetermined compromise algorithm. And by determining information, closing the loan of the particular user by the association.
In the server that matches the loan applicant and the financial company by referring to the information of the loan applicant,

Communication department; And

A first process of providing or providing a user authentication UI to a user terminal to support a specific user who is a loan applicant through the communication unit to input the user authentication information, and obtaining the user authentication information input by the specific user , First necessary information for calculating the reserved loan information of the specific user from at least one external information server with reference to the obtained user authentication information and loan related quotation information provided to other users who are the same or similar to the specific user Or obtain the second necessary information to compare with the previously executed loan condition information, the previously held loan information calculated through the first necessary information and the second necessary information and the loan-related estimate provided to the other users With reference to information or at least some of the previously executed loan condition information, (i) whether additional loans are desired, (ii) whether or not to exchange the previously held loan information, and (iii) of the previously held loan information. A second process for providing or providing a selection UI to the user terminal to support selection of at least a part of whether or not to adjust the repayment period, (i) the specific input through the selection UI to a plurality of financial institution terminals User's selection information and (ii) financial information desired loan conditions corresponding to each from the plurality of financial institution terminals, and supporting to provide or provide at least some of the first necessary information and the second necessary information of the specific user A processor performing a third process to provide or support at least one of the financial companies desired loan condition information to the user terminal by obtaining a;

Server comprising a.
The method of claim 19,

When it is determined that the processor has the reserved loan information to the specific user,

In performing the third process,

The previously held loan of the specific user is referred to by referring to at least some of the existing loan estimate information and the existing loan information of another user having specific necessary information corresponding to a threshold range of at least some of the second required information of the specific user. Extract loan reference information that is more favorable than at least some of the information,

Provide or provide the loan reference information to the user terminal, wherein the loan reference information includes information on at least a portion of the loan amount and its limit, the loan interest rate and the repayment period,

The specific user, through the selection UI with reference to the loan reference information, (i) whether or not additional loans are desired, (ii) whether or not to exchange the previously held loan information, and (iii) of the previously held loan information. A server characterized in that it supports to select at least a part of whether or not to adjust the repayment period.
The method of claim 20,

Extraction of the loan reference information is performed on information that satisfies a threshold of a predetermined filtering condition,

The filtering condition is determined by referring to at least some of the necessary information, the policy situation information, and the law revision situation information of the specific user,

When the reserved loan information of the specific user includes a first time point before at least a part of the necessary information, the policy situation information, and the law revision situation information of the specific user is changed,

The processor,

A variation value of at least some of the necessary information, the policy status information, and the law revision status information of the specific user between the first time point and the second time point that is the current time point is extracted, and at least some of the extracted variation values Server to determine the threshold of the filtering condition with reference to.
The method of claim 19,

The identification information includes at least a part of the name information, resident registration number information, and contact information of the specific user,

The first necessary information includes at least some of personal information, account information, and credit information for the specific user, and the second necessary information includes at least some of health insurance information, national pension information and real estate information, and credit information. Including,

The account information includes deposit and withdrawal history information of the account held by the specific user, and the credit information includes at least some of credit rating information, credit rating information, debt information, income information, and address information of the specific user, The health insurance information includes at least a part of the specific user's workplace information, income information, and work period information, and the national pension information includes the specific user's income proof information, and the real estate information is the specific user's real estate security A server characterized by including value information.
The method of claim 19,

In the third process, in providing or supporting at least some of the first necessary information and the second necessary information of the specific user to the plurality of financial institution terminals,

The processor, characterized in that to support or provide to provide information to the plurality of financial institution terminal, except for the personal information and account information of the first necessary information and the second necessary information.
The method of claim 19,

The third process,

The processor, (i) the selection information of the specific user input through the selection UI to a plurality of financial institution terminals determined by reference to at least some of the second necessary information and (ii) the first necessary information of the specific user And providing or providing at least some information among the second necessary information, and obtaining financial loan desired loan condition information corresponding to each from the plurality of financial institution terminals, thereby providing at least one financial loan desired loan condition information to the user terminal. Server characterized in that it provides or supports to provide.
The method of claim 24,

The plurality of financial institution terminals, the server characterized in that it is determined by further reference to at least some of the filtering conditions by the specific user, the filtering conditions by the plurality of financial companies and the filtering conditions by the loan diagnosis server.
The method of claim 19,

The third process,

With reference to loan information of another user having specific need information corresponding to a threshold range of at least some of the second need information of the specific user, refer to a loan that is more advantageous than at least some of the previously held loan information of the specific user In extracting information, a server characterized by extracting the advantageous loan reference information by using at least a portion of an existing loan estimate DB and an existing loan DB that the loan diagnosis server has or is linked to.
The method of claim 19,

In performing the second process,

The processor further obtains user desired loan condition information from the user terminal, and referring to at least some of the previously held loan information and the user desired loan condition information, the specific user adds (i) through the selection UI A server characterized in that it supports to select at least a part of whether or not a loan is desired, (ii) whether or not to exchange the previously held loan information, and (iii) whether to adjust the repayment period of the previously held loan information. .
The method of claim 19,

In performing the third process,

The information about the loan terms desired by the financial company includes information on at least a part of the loan amount limit, the loan interest rate, the repayment period, and when the loan is possible,

The processor,

After supporting a plurality of financial companies desired loan condition information by supporting a plurality of financial companies to input the desired loan conditions information of the financial companies corresponding to each through the terminal of the financial company,

Provide a change UI to a specific financial company terminal that supports a specific financial company that has entered the desired loan condition information for the first time among the plurality of financial companies to change information on the desired loan condition for a specific financial company that has been previously input thereto, or To provide,

A server characterized in that, when the desired loan condition information for the specific financial company is determined, the desired loan condition information for the financial company corresponding to the plurality of financial companies including the desired loan condition information for the specific financial company is provided to or supported by the user terminal. .
The method of claim 28,

In providing or supporting the financial institution desired loan condition information corresponding to the plurality of financial companies to the user terminal,

The processor, with reference to at least a portion of the required information and the reserved loan information of the specific user, a predetermined number of higher financial companies matched to the specific user among the desired loan conditions information of the financial companies corresponding to the plurality of financial companies Provide or provide desired loan condition information to the user terminal,

When at least a portion of the loan conditions information desired by the specific financial institution is selected by the specific user through the user terminal, the processor is configured to determine whether the financial institution terminal of the specific higher financial institution and the specific user correspond to the selected loan condition information of the higher financial institution desired. To provide or provide each of the detailed information of each other to the user terminal,

The detailed information of the specific user includes at least a part of personal information, credit information, health insurance information, national pension information, and real estate information, and the detailed information of the specific top financial company is among company name, branch name, person in charge, contact information, and picture of the person in charge Server comprising at least a portion.
The method of claim 28,

The platform for matching the specific user and the financial company is operated through a predetermined advertising cost paid by the specific user or the financial company,

The processor,

Cumulative cost information paid by the financial company, history information in which the financial company has entered the desired financial terms of the financial company in the past, and after the financial company has been selected as a desired financial company to loan to the corresponding user after the third process, to the corresponding user A list of the loan terms and conditions of the financial companies desired to be provided to the user terminal in the third process, with reference to at least one of the time taken to make a contact and information on whether or not to contact, and past loan history information using the platform of the financial company Adjusting the middle rank ranking or adjusting the advertising cost charged to the financial institution,

The user in the third process with reference to at least one of cumulative cost information paid by the specific user, past loan repayment integrity information of the specific user, and past loan history information using the platform of the specific user. A server characterized by adjusting whether the name of a financial company corresponding to the desired loan condition information of the financial company provided to the terminal is disclosed or adjusting the advertisement cost charged to the specific user.
The method of claim 19,

The information about the loan terms desired by the financial company includes information on at least a part of the loan amount limit, the loan interest rate, the repayment period, and when the loan is possible,

In performing the third process, the processor

With reference to the selection information of the specific user input through the selection UI, to provide or provide at least some of the first necessary information and the second necessary information of the specific user to the plurality of financial institution terminals, A 3-1 process of acquiring a plurality of input of the desired loan conditions of the financial companies by supporting the plurality of financial companies to input the information of the desired loan conditions of the financial companies corresponding to each;

It extracts a predetermined number of upper financial institution desired loan condition information from the obtained plurality of financial institution desired loan condition information and supports to provide or provide the financial institution terminal with each financial institution terminal that inputs the desired financial institution desired loan condition information. A 3-2 process for providing or providing a change UI to each of the financial institution terminals to support the specific financial institutions to change the desired loan condition information corresponding to each of the financial institutions for a period of time, and

When the desired loan terms information of the final financial companies of each of the specific financial companies are input through the change UI, the desired final financial company desired loan conditions information of a predetermined number from the input final financial company desired loan condition information is extracted and provided to the user terminal 3-3 processes to assist or provide;

Server characterized in that to perform.
The method of claim 31,

In the 3-2 process, in extracting the desired loan condition information of the upper financial companies and providing or providing them to the terminal of the financial companies of each of the specific financial companies, the name of the upper financial companies corresponding to the desired loan condition information of the upper financial companies is Do not provide,

In the step 3-3, by providing information on the desired loan conditions of the upper final financial companies and providing or providing them to the user terminal, information on the upper final financial companies corresponding to the desired loan conditions of the upper final financial companies is provided. Server characterized in that.
The method of claim 32,

The platform for matching the specific user and the financial company is operated through a predetermined advertising cost paid by the specific user or the financial company,

The processor,

Cumulative cost information paid by the financial company, history information that the financial company has responded to the 3-1 process in the past, and the corresponding response after the financial company has been selected as a loan financial company to the corresponding user after the 3-3 process in the past The upper final financial company provided to the user terminal in the 3-3 process with reference to at least one of time and contact availability information of the user and past loan history information using the platform of the financial company Adjust the rank rank among the list of desired loan condition information, or adjust the advertisement cost charged to the financial company,

In reference to at least one of cumulative cost information paid by the specific user, past loan repayment integrity information of the specific user, and past loan history information using the platform of the specific user, in the 3-3 process A server characterized in that the name of the upper end financial institution corresponding to the desired loan condition information of the upper end financial institution provided to the user terminal is adjusted or the advertisement cost charged to the specific user is adjusted.
The method of claim 19,

The information about the loan terms desired by the financial company includes information on at least a part of the loan amount limit, the loan interest rate, the repayment period, and when the loan is possible,

In performing the third process, when the financial institution desired loan condition information is not obtained or when the financial institution desired loan condition information matching the specific user does not exist,

The processor,

Providing a priority UI to the user terminal to assist the specific user to set priorities for condition items including at least a portion of a loan amount limit condition, a loan interest rate condition, a repayment period condition, and a loanable time condition Or provide

By providing or providing the upper condition items of the specific user to lane financial companies whose value of a predetermined number of upper condition items determined through the priority UI meets a predetermined percentage, corresponding to the lane financial companies A server characterized by acquiring desired loan condition information for each lane financial company from each financial institution terminal, and providing or providing at least one of the lane financial entity desired loan condition information to the user terminal.
The method of claim 34,

In providing or assisting sub-financial companies to provide or provide the above condition items of the specific user,

The processor,

Support or provide the sub-financial UI to each of the financial companies terminals corresponding to the sub-optimal financial companies, to support the sub-financial companies to select at least a portion of the sub-terms corresponding to the loan amount limit conditions,

When the loan amount limit condition is achieved through the divided loan UI, a server characterized in that the loan of the specific user is completed by a combination of specific lane financial companies that contributed to the achievement of the loan amount limit condition.
The method of claim 19,

In performing the third process, when the financial institution desired loan condition information is not obtained or when the financial institution desired loan condition information matching the specific user does not exist,

The processor,

Among a plurality of financial companies that do not have a high loan success rate using the platform matching the specific user and the financial company, support specific financial companies that meet predetermined criteria to form an association,

When the specific user and the specific financial companies agree to the formation of the association, each specific financial company desired loan condition information corresponding to the specific financial companies is analyzed, and the compromise loan conditions of each of the specific financial companies are determined by a predetermined compromise algorithm. A server characterized by closing the loan of the specific user by the association by determining information.