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WO2012018173A2 - Procédé permettant de traiter un prêt automatique - Google Patents

Procédé permettant de traiter un prêt automatique Download PDF

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

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

Definitions

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

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Abstract

La présente invention se rapporte à un procédé de traitement destiné à un prêt automatique. Selon ce procédé de traitement de prêt automatique : un dispositif de traitement de prêt automatique qui est connecté à un serveur d'institutions financières, à un serveur d'institutions fournissant des renseignements sur la solvabilité et à un serveur d'institutions de prêts automatiques est utilisé; la contrefaçon ou la falsification d'un ID de client sont vérifiées, et il est confirmé que le client est l'utilisateur grâce à une vérification d'empreintes digitales ou autre; des institutions financières pouvant accorder un prêt sont sélectionnées parmi les institutions financières associées, sur la base des renseignements sur la solvabilité qui sont demandés et du montant du prêt souhaité, et en même temps, l'argent pouvant être prêté ainsi qu'un taux d'intérêt sont donnés; et le client reçoit une approbation de prêt en provenance d'une ou plusieurs des institutions financières sélectionnées.
PCT/KR2011/003394 2010-08-06 2011-05-06 Procédé permettant de traiter un prêt automatique WO2012018173A2 (fr)

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JP2013524025A JP2013535755A (ja) 2010-08-06 2011-05-06 無人貸出処理方法

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KR10-2010-0075856 2010-08-06
KR20100075856 2010-08-06
KR10-2011-0041531 2011-05-02
KR1020110041531A KR101334744B1 (ko) 2010-08-06 2011-05-02 무인대출 처리방법

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WO2012018173A3 WO2012018173A3 (fr) 2012-03-22

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CN109523370A (zh) * 2017-09-18 2019-03-26 好多宝信息技术(深圳)有限公司 一种运单贷款业务处理方法、装置及系统

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KR20180057167A (ko) * 2016-11-22 2018-05-30 이종명 무인 금융거래 시스템 및 이를 이용한 무인 금융거래 방법
WO2018117288A1 (fr) * 2016-12-21 2018-06-28 이종명 Procédé permettant d'ouvrir un compte financier sans être face à face à l'aide d'un terminal mobile et système associé
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