KR102023460B1 - Financial services method using coporate advisor wireless terminal - Google Patents

Abstract

Disclosed are a financial service system and a financial service method thereof, which are connected to at least one corporate finance advisor terminal and an auditor terminal through a network. The financial service method includes the steps of a server authenticating an advisor; Providing a main screen by the server when the advisor authentication is completed; The advisor selecting a desired menu on the main screen; The server may include providing information on the selected menu, and wherein the server providing information on the selected menu may include, when the selected menu is a notice, the server provides notification information related to a law revision. It includes a step. In this embodiment of the present invention, the corporate financial advisor of the financial institution connects to the server with a portable terminal and places the determination result of the loan amount requested by the corporate customer with the information input from the outside of the bank branch, the maximum loanability and the loan interest rate. It can provide real-time guidance at any place for 24 hours a day, 365 days a year, regardless of time and time, and can design financial products to meet customer needs through option selection and various simulation results.

Description

Financial services method using coporate advisor wireless terminal}

The present invention relates to a financial service system and method using a corporate financial advisor terminal, and more particularly, to a financial service system and method using a corporate financial advisor terminal that provides a financial service to a company to be loaned.

In general, a company borrows and uses business operation money as collateral while conducting business, but if the real estate mortgage is difficult, it will make a credit loan.

In particular, banks are able to lend online not only at bank counters, but also online, allowing companies to conveniently borrow.

However, in the conventional counseling and application service system using the Internet banking system, the person in charge of the company accesses the Internet banking of the financial institution through the terminal and inputs the company information to confirm the maximum loan rate and interest rate, but is familiar with the system. The person who did not use this system alone was not able to use this system.

In addition, since most of the conventional lending systems are applied to simple credit loans, customers who have a large amount of money have no choice but to visit a bank branch for consultation.

Therefore, limited external loan service was provided from outside the sales office, and the customer was dissatisfied with the external loan service, and it was difficult to apply for a loan because it was difficult for the representative to leave the office and visit the bank sales office.

Patent Publication No. 10-2002-0029188 (2002.4.18) Title: Banking Funds for Operational Funding and Loan Management

Therefore, the problem to be solved by the present invention in order to solve the above problems, the result of the determination of the loan amount applied by the corporate customer with the information entered from outside the bank branch by the corporate financial advisor of the financial institution connected to the server with a portable terminal And the maximum loan availability and loan rate can be provided in real time at any place for 24 hours a day, 365 days a year, without restriction on location and time, and through the selection of options and various simulation results, financial products can be designed to meet the needs of customers. It is to provide a financial service system and method using a corporate financial advisor terminal.

In addition, the problem to be solved by the present invention, by expressing a variety of information about the loan product through a chart and graph visually to make it easier for customers to understand the product, and immediately to implement the loan application can be implemented as soon as possible It is to provide a financial service system and a method using a corporate financial advisor terminal to receive a loan.

In addition, the problem to be solved by the present invention is to provide a financial service system and method using a corporate financial advisor terminal to provide a risk for the short-term financing to make a loan in favor of the enterprise.

In addition, an object of the present invention is to provide a financial service system and method using a corporate financial advisor terminal that allows a corporate customer to be notified in advance of reference to law-related revision information.

In addition, the problem to be solved by the present invention is to provide a financial service system and method using a corporate financial advisor terminal that provides an alarm service so as to know immediately whether the approval of the corporate loan.

Financial service method using a corporate financial advisor terminal according to an embodiment of the present invention for achieving the technical problem,

A financial service method of a financial service system connected to at least one corporate finance advisor terminal and an auditor terminal through a network,

The server authenticating the advisor;

Providing a main screen by the server when the advisor authentication is completed;

The advisor selecting a desired menu on the main screen;

The server providing information on a selected menu;

Providing the information on the selected menu by the server,

If the selected menu is an announcement, the server includes providing a notification information related to the revision of the law.

Providing the information on the selected menu by the server,

If the selected menu is a new consultation, the server receiving application information including borrower information, guarantor information, collateral information, and collateral provider information, providing a comparison table or repayment schedule, and applying for a loan;

If the selected menu is the reception history, the server further includes providing the details of the received consultation information.

Providing the information on the selected menu by the server,

If the selected menu is a simulation, the server receiving a simulation condition and performing simulation and outputting a result;

If the selected menu is a marketing point, the server may further include displaying a scenario corresponding to the loan type, the assessed value, the LTV, and the loan amount in a graph form.

The server is characterized by displaying the high risk, risk, safety by calculating the risk.

When the selected menu is a simulation, the server receives a simulation condition and performs simulation and outputs the result.

When the corporate customer selects the loan repayment graph, the server further includes generating and providing the monthly payment principle repayment amount and the remaining loan amount at the time of the loan in the form of a graph according to the principle repayment method.

Financial service system using a corporate financial advisor terminal according to an embodiment of the present invention for achieving the technical problem,

A financial service system connected to at least one corporate finance advisor terminal and an auditor terminal through a network;

A database storing advisor information, interest rate information and information, and loan product information;

Refer to the database to look up the loan applicant's credit, provide principal repayment, loan limit amount and contract period information, if the loan application information is entered, provide the loan judgment result, select the corporate financial advisor terminal Includes a server for guiding information according to the information,

The server executes the method.

According to an embodiment of the present invention, the corporate financial advisor of a financial institution connects to a server through a portable terminal, and determines the result of determination of the loan amount requested by the corporate customer with the information input from outside the bank branch, the maximum loanability, and the interest rate. Financial service system and method using corporate financial advisor terminal that can provide real-time guidance at any place for 24 hours, 365 days a year, without any time limit, and can design financial products according to customer's needs through option selection and various simulation results. Can be provided.

In addition, in the embodiment of the present invention, by expressing a variety of information about the loan product through charts and graphs to make it easier for customers to understand the product, it is possible to immediately apply for loan application to implement the loan as soon as possible Provides a financial service system and method using a corporate financial advisor terminal to receive.

In addition, in an embodiment of the present invention, it is possible to provide a financial service system and method using a corporate financial advisor terminal to provide a risk for short-term financing to make a loan in favor of the enterprise.

In addition, according to an embodiment of the present invention, it is possible to provide a financial service system and method using a corporate financial advisor terminal that allows corporate customers to be notified in advance of reference to law-related revision information.

In addition, according to an embodiment of the present invention, it is possible to provide a financial service system and method using a corporate financial advisor terminal that provides an alarm service so as to know immediately whether the corporate loan is approved.

1 is a block diagram of a financial service system using a corporate financial advisor terminal according to an embodiment of the present invention.
2 is an operation flowchart of a financial service method using a corporate financial advisor terminal according to an embodiment of the present invention.
3 to 30 are diagrams showing examples of screens provided to a corporate financial advisor terminal in a financial service system using the corporate financial advisor terminal according to an embodiment of the present invention.

Advantages and features of the present invention, and methods for achieving them will be apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but can be implemented in various different forms, only the embodiments are to make the disclosure of the present invention complete, and common knowledge in the art to which the present invention belongs It is provided to fully inform the person having the scope of the invention, which is defined only by the scope of the claims. Like reference numerals refer to like elements throughout.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. In this specification, the singular also includes the plural unless specifically stated otherwise in the phrase. As used herein, “comprises” and / or “comprising” refers to the presence of one or more other components, steps, operations and / or elements. Or does not exclude additions. Unless otherwise defined, all terms (including technical and scientific terms) used in the present specification may be used in a sense that can be commonly understood by those skilled in the art. Moreover, the terms defined in the commonly used dictionaries are not ideally or excessively interpreted unless they are specifically defined clearly.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings in order to describe the present invention in more detail.

1 is a financial service system using a corporate financial advisor terminal according to an embodiment of the present invention,

Financial service system connected to the credit information server 210, the appraisal corporation server 220, the reviewer terminal 230 and the manager terminal 240 and at least one corporate financial advisor terminal 400 and the network 200 As 100,

A database 120 that stores interest rate fluctuation values, real estate quote information, advisor information, interest rate information and information, and loan product information;

Refer to the database 120 to look up the loan applicant's credit, provide information on principal repayments, loan limit amount and contract period, and if the loan application information is entered, provide the loan judgment result, the corporate finance advisor It includes a server 110 for guiding the information in accordance with the selection information of the terminal 400.

The server 110,

An application rating system 111 that aggregates the information of the corporate customer to predict the future credit status and provides the examination result information including whether the loan application amount is available to the customer;

Loan control unit 112 for guiding the principle repayment schedule to control the customer securely through the financial financing;

A principle repayment calculator 113 for calculating a principle repayment money;

A loan limit amount calculation unit 114 for calculating a loan limit amount;

A contract period calculator 116 for calculating a contract period;

When selecting a loan repayment graph, the graph generation unit 115 generates and provides the monthly payment principle payment amount and the remaining loan amount at the time of the loan in the form of a graph according to the principle payment method;

And a risk calculator 117 that calculates a risk by predicting a change in interest rates and a change in real estate prices.

The corporate finance advisor terminal 400 is a tablet PC and can be carried by a corporate finance advisor, who is in charge of the bank, to access a server 110 and consult a loan from the outside.

Referring to the operation of the financial service system using the corporate financial advisor terminal according to an embodiment of the present invention having such a configuration as follows.

2 is a flowchart illustrating an operation of a financial service system using a corporate financial advisor terminal according to an embodiment of the present invention, and FIGS. 3 to 30 are screens provided by a financial service system using a corporate financial advisor terminal according to an embodiment of the present invention. It is a figure which shows the example of information.

Referring to FIG. 2, a representative of a bank who is an advisor operates the corporate finance advisor terminal 400 and proceeds with his own authentication procedure when he is alone or in consultation with a customer (S100). At this time, authentication is done through entering a password, password, etc. and pressing the login button.

Then, the server 110 authenticates the advisor by using the advisor information stored in the database 120.

When the advisor authentication is completed, the server 110 provides a main screen.

In this state, the advisor selects a desired menu on the main screen as the corporate financial advisor terminal 400.

Here, the menu may include announcements, new consultations, receptions, simulations, and marketing points, and information may be provided by selecting items such as principle payments, loan limit calculations, and contract period calculations from new consultations or simulation items.

If necessary, you can use or view loan agreements, loan applications, loan instructions, etc.

Thereafter, the corporate finance advisor selects a desired menu with the corporate finance advisor terminal 400 and the server 110 provides information on the selected menu. This will be described in more detail as follows.

First, when the corporate finance advisor selects an announcement from the menu in the corporate finance advisor terminal 400 (S110), the server 110 makes a notice regarding the revision of the law in the database 120 (S111).

At this time, the announcement may be a notice related to the revision of the law required for the individual / individual operators as shown in Figure 3 (S112), there may be a notice related to the revision of the law related to collateral classification as shown in Figure 4 (S113), As shown in FIG. 5, there may be a notice related to the revision of the relevant regulations.

These notices are screens for the advisor user to be aware of. The notices provide information on the agreement to provide credit information, application for consultation, collateral type, additional interest rate for each repayment method, and intermediate repayment fee.

Meanwhile, when the corporate finance advisor selects a new consultation from the menu in the corporate finance advisor terminal (S120), the server 110 receives the borrower information and stores it in the database 120 (S121). This is illustrated in FIGS. 6 to 8.

6 to 8, after entering the personal classification, business number, social security number, the name of the borrower, mobile phone number, business classification, consortium information, etc. and completes the input by pressing the confirmation button.

Then, the server 110 receives the guarantor information from the corporate finance advisor terminal 400 and stores it in the database 120 (S123). This is illustrated in FIGS. 9 to 11.

Then, the server 110 receives the collateral information from the corporate financial advisor terminal 400 and stores it in the database 120 (S124). This is illustrated in FIGS. 12 and 13.

Then, the server 110 receives the collateral provider information such as the representative director from the corporate finance advisor terminal 400 and stores in the database 120 (S125). An example of such a screen is illustrated in FIGS. 14 to 16.

Then, the server 110 receives the loan application information from the corporate finance advisor terminal 400 and stores it in the database 120 (S126). Examples of such an input screen are shown in FIGS. 17 and 18.

The server 110 calculates a comparison table or a repayment schedule according to the inputted application information and provides it to the corporate finance advisor terminal 400 (S127). Examples of such a screen are shown in FIGS. 19 to 21.

19 to 21, a redemption schedule table is displayed as shown in FIG. 21 when the view is touched on the screen of FIG. 20.

Next, after the server 110 provides the final application information, if the corporate financial advisor terminal 400 confirms, the loan is accepted (S128).

When the loan acceptance is completed, the server 110 transmits to the loan delivery server 130, and the loan delivery server 130 transmits a message to examine because the loan acceptance to the examiner terminal 230.

Thereafter, if the approval of the corporate loan is input by the examiner terminal 230, an alarm message may be transmitted to the corporate advisor terminal 400 so as to immediately recognize the result.

This is illustrated in FIGS. 22 and 25.

This new counseling screen is a screen for inputting general information for accepting loan applications during new loan counseling.The corporate finance advisor provides loan applicants such as borrower and guarantor information, collateral information, courses, products, periods, amounts, application rates and repayment methods. Enter the information.

On the other hand, if the selected menu is the reception history (S130), the loan control unit 112 of the server 110 is received and guides the examination progress status for each company under examination (S130). This is illustrated in FIG. 26. This screen is a screen that can check the loan application list received through the Advisor, the information entered at the time of loan application is transferred to the loan loan server 130 of the company, and determines whether to run the loan through the examination. .

The examiner may predict the future credit status by combining the information of the corporate customer to the examiner terminal 230 as necessary, and may perform a review including whether the loan application amount is available to the customer.

In addition, when the simulation is selected (S140), the loan control unit 112 of the server 110 receives the simulation conditions from the corporate finance advisor terminal 400 (S141). This is illustrated in FIGS. 27 and 28.

Then, the server 110 proceeds with the simulation according to the input simulation conditions, and provides the result to the corporate financial advisor terminal 400 (S142). This is illustrated in FIG. 29.

Referring to Fig. 29, a displayed repayment schedule table such as payment, principal, interest and principal balance is displayed.

This simulation screen is used to check the total payment interest, average payment principal, average payment interest, and the repayment schedule when expected changes in terms of business type and credit rating, LTV application rate, application amount, period, and repayment method. to be.

If necessary, the server 110 may provide the principal repayment amount, the loan limit calculation, the contract term calculation information, etc. according to the selection of the corporate financial advisor terminal 400. At this time, the principle repayment calculation unit 113 calculates the principle repayment, the loan limit amount calculation unit 114 calculates the loan limit amount, and the contract period calculation unit 116 calculates the contract period. In addition, when the loan repayment graph is selected, the graph generator 115 may generate and provide the monthly payment principle payment amount and the remaining loan amount at the time of the loan in the form of a graph according to the principle payment method.

In addition, when the marketing point is selected (S150), the loan control unit 112 of the server 110 displays the scenarios corresponding to the loan type, the value of the evaluation, the LTV, and the loan amount on the corporate financial advisor terminal 400 in the form of a graph. (S150).

Referring to FIG. 30, such a marketing point screen is a screen for specifying a risk factor according to a change in external environment when accepting loan consultation and suggesting a marketing strategy. We define scenarios according to changes in collateral value and market interest rates, and suggest interest rates, periods, and repayment methods to improve the efficiency of advisor use.

If necessary, the risk calculator 117 of the server 110 calculates a risk and displays high risk, danger, and safety.

In this case, the risk is that the market price of the real estate is falling, interest rates are rising, and short-term loans are high risk. In other words, it is highly recommended to consider long-term loans rather than short-term loans because it is judged that there is a high probability of additional burden when the loan is extended at the end of the short-term loan period.

In addition, if the price of the real estate is falling, interest rates are falling, or the price of the real estate is increasing, and the interest rate is rising, the risk of short-term loans is a risk. In other words, it is better to consider long-term loans rather than short-term loans because it is judged that there is a possibility of additional burden when the loan is extended at the end of the short-term loan period.

In addition, if the price of the real estate is rising and interest rates are falling, the risk of short-term loans is safe. In other words, if the loan is extended at the end of the short-term loan period, it is judged that the possibility of additional burden is small.

In the above embodiment of the present invention, the corporate financial advisor of the financial institution is connected to the server 110 with a portable terminal, the determination result of the loan amount requested by the corporate customer with the information input from outside the bank branch, the maximum loanability and loan You can guide the interest rate in any place 24 hours a day, 365 days a year, regardless of location and time. You can design financial products to meet your needs through option selection and various simulation results.

In addition, in the embodiment of the present invention, by expressing a variety of information about the loan product through charts and graphs to make it easier for customers to understand the product, it is possible to immediately apply for loan application to implement the loan as soon as possible I can receive it.

In addition, in an embodiment of the present invention, it is possible to provide a risk for the short-term financing so that a loan in favor of the enterprise can be made.

In addition, in the embodiment of the present invention, it is possible to refer to the corporate customer in advance related information on revision of the law.

In addition, in an embodiment of the present invention, an alarm service may be provided so that an enterprise loan is immediately recognized.

As described above, the present invention has been described with reference to the embodiments shown in the drawings, but it is only for the purpose of describing the present invention, and those skilled in the art to which the present invention pertains various modifications or equivalents from the detailed description of the invention. It will be appreciated that one embodiment is possible. Therefore, the true scope of the present invention should be determined by the technical spirit of the claims.

Claims (7)

A financial service method of a financial service system connected to at least one corporate finance advisor terminal and an auditor terminal through a network,
The server authenticating the advisor;
Providing a main screen by the server when the advisor authentication is completed;
Selecting a desired menu on the main screen by the advisor;
The server providing information on a selected menu;
Providing the information on the selected menu by the server,
If the selected menu is an announcement, the server comprising the step of providing notice information related to the revision of the law,
The notice information includes notices related to the revision of laws and regulations required for individual / individual operators, notices related to the revision of laws related to collateral classification, notices related to the revision of laws and regulations related to operational standards,
The notice information is a matter to be advised by the advisor, characterized in that it includes a credit information provision agreement, consultation application, collateral type, additional interest rate and repayment fee for each repayment method,
Providing the information on the selected menu by the server,
If the selected menu is a new consultation, the server receiving application information including borrower information, guarantor information, collateral information, and collateral provider information, providing a comparison table or repayment schedule, and applying for a loan;
If the selected menu is the reception history, the server further comprises the step of providing a history of received consultation information,
If the selected menu is a new consultation, the server receives the application information including the borrower information, guarantor information, collateral information, collateral provider information, providing a comparison table or repayment schedule, and applying for a loan,
After entering personal identification, business number, social security number, borrower's name, mobile phone number, business type, consortium information, press OK button to complete the entry, the server receives the guarantor information from the corporate finance advisor terminal and enters the database. Save it,
The server receives collateral information from the corporate finance advisor terminal and stores it in a database;
The server receives the collateral provider information from the corporate finance advisor terminal and stores the information in the database;
The server receives loan application information from the corporate finance advisor terminal and stores the loan application information in the database;
The server calculates a comparison table or a repayment schedule according to the application information inputted to the server and provides it to the corporate finance advisor terminal.
When touching the corporate finance advisor terminal, the server provides a repayment schedule table,
After the server provides the final application information, if the corporate financial advisor terminal confirms, the loan is accepted,
When the loan acceptance is completed, the server delivers to the loan delivery server, the loan delivery server sends a message to the reviewer because the loan has been accepted by the examiner terminal,
When the auditor terminal inputs whether the approval of the corporate loan is input, an alarm message is sent to the corporate financial advisor terminal so that the result can be immediately known.
If the selected menu is the reception history, the step of providing the details of the consultation information received by the server,
The server receives and guides the screening progress by each company under review, provides a screening history that allows you to check the list of loan applications received. Determine whether or not to run a loan,
Examiner is characterized in that the auditor terminal to aggregate the information of the corporate customer to predict the future credit status, the audit including whether the loan application amount possible,
Providing the information on the selected menu by the server,
If the selected menu is a simulation, the server receiving a simulation condition and performing simulation and outputting a result;
If the selected menu is a marketing point, the server further includes displaying a scenario corresponding to a loan type, an appraisal value, an LTV, and a loan amount in a graph form,
When the selected menu is a simulation, the server receives a simulation condition and performs simulation and outputs the result.
The server receives a simulation condition from the corporate finance advisor terminal, proceeds with the simulation according to the input simulation conditions, and provides the result to the corporate finance advisor terminal,
The simulation screen is a screen to check the total payment interest, average payment amount, average payment interest change and the repayment schedule table when the conditions such as business type and credit rating, LTV application rate, application amount, period and repayment method are changed. ,
In accordance with the selection of the corporate financial advisor terminal on the simulation screen, the server provides information on the principle payment amount, loan limit calculation, contract term calculation information,
When the corporate customer selects the loan repayment graph, the server generates and provides the monthly payment principle repayment amount and the remaining loan amount at the time of the loan in the form of a graph according to the principle repayment method,
If the selected menu is a marketing point, the step of displaying, in a graph form, a scenario corresponding to the loan type, the appraisal value, the LTV, and the loan amount,
When the server receives the loan consultation, it specifies the risk factors according to the change of the external environment and proposes a marketing strategy.
Provides a marketing point screen that defines scenarios based on changes in collateral value and market interest rates and suggests interest rates, periods and repayment methods.
The server calculates the risk using the market price and interest rate of the mortgage,
Mortgage prices are falling, interest rates are rising, short-term loans are at high risk,
If the price of a mortgage property is falling, interest rates are down, or if the price of the mortgage is rising, and the interest rate is rising, the risk of short-term loans is calculated as a risk,
If the market price of the mortgage is rising and interest rates are falling, the risk of short-term loans is calculated as safe.
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