KR20040022969A - A system and method for providing loaning mediation management service using kiosk - Google Patents

Abstract

PURPOSE: A system and a method for offering a loan arrangement process service using a kiosk are provided to select loan goods fit to a condition and a taste of a client by deciding/informing a provisional loan permission of each bank based on a credit condition of the client, and offering a loan goods list and the related information of the bank. CONSTITUTION: An ID certifying/processing part(121) transfers the personal information to a real name confirmation organization(500) if the personal information is received from the clients(310-310n). A credit information confirming/processing part(122) transfers the personal information to a credit information inquiring organization(400) if the personal information is verified. A provisional permission processing/providing part(123) decides the provisional loan permission of each bank(600-600n) by comparing the credit information and the personal information of the client with a loan condition of each bank, and offers the information for the banks deciding the provisional loan permission and the loan goods to the client. A loan examining/providing part(124) makes the client buy the loan goods.

Description

Loan brokerage processing service providing system using kiosk and method thereof {A SYSTEM AND METHOD FOR PROVIDING LOANING MEDIATION MANAGEMENT SERVICE USING KIOSK}

The present invention relates to a loan brokerage processing service providing system and a method thereof, and more particularly, to a loan brokerage processing service providing system and method using a kiosk capable of providing a brokerage processing service related to a financial loan in real time. It is about.

Generally, a loan is a loan from a large number of customers and the loan applicant lends the amount of the application to a qualified applicant at a certain interest rate. It means business activity.

However, loans in this sense usually require the loan applicant to visit the bank in person, consult with the staff in charge of the bank, check the loan eligibility criteria, and then proceed with the loan application by learning the loan procedure. At this time, if the loan applicant has collateral such as a guarantee insurance policy, real estate, etc., a lawyer or the like is required to proceed with the registration work having legal effect on the collateral.

As such, although the existing loan service through a financial institution is a kind of product serviced by a commercial organization such as a bank, external advertisements are not frequent or frequently because there is more demand than supply. Therefore, loan applicants frequently apply for loan products with better conditions without knowing whether there is a loan product suitable for them. However, it is practically impossible for an individual to visit all financial institutions in person and consult with each other about loan products, and then search for a loan product suitable for him.

In addition, the majority of loan officers, in spite of the fact that they are in the service business of selling loan products, under the name of lending money to loan applicants, in the eyes of the judges who examine the eligibility criteria of loan applicants rather than service. Dealing with customers is a known reality.

In this situation, when a loan applicant visits a financial institution in person and applies for a loan of the desired amount, the loan applicant may not only have to visit the financial institution in person, but also in the process of submitting documents for examination. Psychological burden is felt. In addition, this method of lending does not help customers who are in urgent need of funds because they have to go through many steps from loan application to approval. Recently, a cash service has been introduced to allow customers to borrow in real time using a credit card. However, this also provides a credit card company with a small amount of loans. There is a problem that the burden of interest.

In order to solve these problems, the loan applicant can consult with the loan officer at a remote place through the video, and at the same time, the loan applicant's credit can be inquired in real time to confirm whether the loan is approved and promptly. An image loan application machine has appeared to allow financial loans to be made in real time.

However, such an image loan application machine also causes a lot of manpower, time, resources, etc., because the loan officers must consult with the lender in person.

In addition, by having the loan applicant select only the specific loan products displayed through the image loan application machine without having a choice of loan products for each bank according to their credit conditions or conditions, it causes a decrease in service satisfaction.

The technical problem to be solved by the present invention is to solve such a problem, and determine whether or not to approve the loan for each bank according to the credit conditions for each client, and informs the list of loan products of the approved bank (-interest rate, It is to provide a loan intermediation processing service providing system and method using a kiosk to provide a loan period and loan amount, etc.) to allow a client to select a loan product according to the conditions and preferences.

In addition, when providing the loan brokerage processing service, by reducing the number of loan officers for each bank through real-time loan-related consultation using the avatar (-Guide helper) of the kiosk, and do not wait for the client for a long time, To provide a loan brokerage processing service providing system and method using a kiosk that can cause an increase in service satisfaction.

1 is a schematic block diagram of a loan brokerage processing service providing system using a kiosk according to an embodiment of the present invention.

2 is a detailed block diagram of a loan brokerage processing service providing system using a kiosk according to an embodiment of the present invention.

3 is a front view of the kiosk shown in FIG. 2.

4 is a flowchart illustrating an operation of a loan brokerage processing service providing system using a kiosk according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating a screen provided by a kiosk for inputting personal information according to an embodiment of the present invention.

6 is a diagram illustrating a screen provided by a kiosk for inputting basic related information according to an embodiment of the present invention.

FIG. 7 illustrates a screen provided by a kiosk for input of additional related information according to an embodiment of the present invention.

FIG. 8 is a diagram illustrating a screen for providing a list of loan products for each bank approved through a kiosk according to an embodiment of the present invention.

9 is a diagram illustrating an authentication process using a kiosk according to the present invention.

FIG. 10 is a diagram for explaining an authentication process using mobile terminal related information according to an embodiment of the present invention.

※ Explanation of code about main part of drawing ※

100: loan brokerage processing service providing system

110: web server 120: application server

121: identity verification verification / processing unit 122: credit information verification / processing unit

123: approval / processing unit 124: loan examination processing / providing unit

125: data transmission and reception control unit 126: kiosk management unit

130: database management server 200: wired and wireless communication network

300 to 300n: kiosk 310 to 310n: client

400: credit bureau 500: real name verification agency

600-600n: Bank

In the loan brokerage processing service providing system using a kiosk according to the present invention for achieving the above object, in a system for providing a service related to loan brokerage between a plurality of clients and each bank through a wired or wireless network, When received, identity verification confirmation / processing unit for delivering the received personal information related to the real name verification authority; A credit information verification / processing unit for transmitting the received personal information related information to a credit information inquiry authority when the personal information related to the client is confirmed to be normal; If it is determined that the credit condition of the client is loanable, it is determined whether to approve the loan for each bank by comparing the checked credit condition and the personal and additional related information of the client with the loan condition of each bank, and the approved bank And a provision approval processing / providing unit providing information regarding the loan product to the client. And a loan examination processing / providing unit for allowing the client to purchase a loan product of the selected bank, when the client selects at least one or more banks among the determined banks and the loan product of the bank.

At this time, the kiosk management unit which is disposed offline and delivers the information received from the client or the information provided to the client, and manages a kiosk (KIOSK) for performing the video consultation and authentication of the client of the client loan Characterized in that it further comprises.

In addition, a method for providing a loan brokerage processing service using a kiosk according to another embodiment of the present invention, in a method for providing a service relating to loan brokerage between a plurality of clients and respective banks through a wired or wireless network, may include name and social security number of a client. A first step of transmitting the received personal information related information to a real name verification authority, when the personal information related information is received; A second step of transferring the received personal information to a credit information inquiry authority when the personal information related to the client is confirmed to be normal; If it is determined that the credit condition of the client is loanable, comparing the checked credit condition with the loan condition of each bank to determine whether to approve the loan for each bank; A fourth step of providing the client with information regarding the approved bank and loan product to allow the client to select at least one bank and the loan product of the bank; And a fifth step of allowing the client to purchase the loan product of the selected bank according to the performed result after performing the identity verification authentication of the client.

In this case, the first to the fifth step, characterized in that the step is performed through the data transmission and reception with the kiosk (Kyosk) that is located off-line and performs the image consultation and the client's identity authentication associated with the loan of the client do.

In addition, a kiosk according to another embodiment of the present invention is a kiosk that provides a service related to loan brokerage between a plurality of clients and respective banks through a wired / wireless network. Identity verification verification / processing unit for transmitting information to a real name verification authority; A credit information verification / processing unit for transmitting the received personal information related information to a credit information inquiry authority when the personal information related to the client is confirmed to be normal; If it is determined that the credit condition of the client is loanable, it is determined whether to approve the loan for each bank by comparing the checked credit condition and the personal and additional related information of the client with the loan condition of each bank, and the approved bank And a provision approval processing / providing unit providing information regarding the loan product to the client. And a loan examination processing / providing unit for allowing the client to purchase the loan product of the selected bank when the client selects at least one or more banks among the determined banks and the loan product of the bank. .

In the present invention, for convenience of explanation, it is installed on the offline, such as banks, stores and public places so that the information transmission and reception between the client and the loan brokerage processing service providing system according to an embodiment of the present invention can be made, Kiosk is a device that provides services related to loans, from providing loan-related consultations with avatars (or loan officers) to verifying the identity of the client by comparing biometric fingerprints and fingerprints on the ID card. Name it.

In addition, loan intermediation services are provided to all loan-related services, from client-specific loan-related information received from the kiosk to determining whether to approve bank-specific loans, to present the list of loan products of the approved bank, and to provide the result of the loan approval later. This is called a processing service.

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

1 is a schematic block diagram of a loan brokerage processing service providing system using a kiosk according to an embodiment of the present invention.

Referring to FIG. 1, the loan intermediation processing service providing system 100 according to an exemplary embodiment of the present invention is installed offline, such as a bank, a store, and a public place, to exchange information with clients 310 to 310n. A plurality of kiosks (300, 300n) and wired and wireless communication network 200 to be made is connected.

In addition, the loan intermediation processing service providing system 100 is the first to the n-th bank (600 to 600n) and credit rating agency 400 and to provide a loan intermediary processing service using the kiosk (300 to 300n) of the connection structure and It is connected to the real name verification authority 500, where the credit rating agency 400 or the real name verification agency 500 means an information retrieval agency such as Korea credit rating information agency.

The loan brokerage processing service providing system 100 forming such a connection structure uses the client-specific loan-related information (name, social security number, basic personal information and additional related information, etc.) input through the kiosks 300 to 300n. (310 ~ 310n,-Loan applicants) determine and approve loan approval for each bank according to the credit and eligibility conditions, the list of loan products of the approved bank and information (interest rate, loan period and upper limit of loan) The amount of money, etc.) is presented to the client so that the client can select a loan product that suits his condition and preferences.

That is, the loan intermediation processing service providing system 100 according to the embodiment of the present invention is disposed at each point within a short time (typically, within 24 hours) whether or not the bank approval according to the client, according to the eligibility conditions for each client In addition to providing information through a kiosk (or a specific website, etc.), it also provides the client with detailed information about the approved bank's list of loan products, allowing the client to accurately compare loan products and the range of choices involved. To have

In addition, the loan intermediation processing service providing system 100 according to an embodiment of the present invention, in consultation with a plurality of clients 310 to 310n, in real time through an avatar (or a loan officer in charge) of the kiosk 300 to 300n. By doing so, it is possible to reduce the number of loan officers for each bank (400 to 400n) and to prevent the client from waiting for a long time, thereby causing an increase in service satisfaction.

The loan brokerage processing service providing system 100 having such a function will be described in detail with reference to the accompanying drawings.

2 is a detailed block diagram of a loan brokerage processing service providing system using a kiosk according to an embodiment of the present invention.

2, the loan brokerage processing service providing system 100 according to an exemplary embodiment of the present invention includes a web server 110, an application server 120, and a database management server 130.

In detail, the web server 110 includes a client manager 111 and a web page manager 112. The application server 120 includes an identity verification / processing unit 121, a credit information verification / processing unit 122, Authorization processing / providing unit 123, loan examination processing / providing unit 124, data transmission and reception control unit 125 and kiosk management unit 126. In addition, the database management server 130 includes a client DB 131, an authentication DB 132, a loan condition DB 133, an approval result DB 134, and a kiosk DB 135.

First, the web server 110 stores and manages basic information and additional related information related to a client-specific image input through a plurality of kiosks 300 to 300n or a client's own terminal, and according to an embodiment of the present invention. Provides and manages the main webpage and sub webpages for providing the mediation processing service.

Client management unit 111 is the client-specific personal information (for example, name, social security number, address, family relationship, etc.) input from the corresponding client (310, 310n) through a plurality of kiosks (300 ~ 300n) and the addition accordingly Store and manage relevant information (e.g., work name, industry, job title and family details)

The webpage manager 112 provides a main webpage and sub webpages for providing the loan brokerage processing service to a plurality of clients 310 to 310n connected through the wired / wireless communication network 200 or performs management accordingly.

As described above, the loan brokerage processing service providing system according to an exemplary embodiment of the present invention may provide a service to a corresponding client through an online web page as well as a kiosk 300 to 300n disposed offline. However, hereinafter, the present invention will only refer to the provision of loan brokerage processing service using a kiosk for convenience of description.

Next, the application server 120 inquires the identity and credit-related information according to the client-specific loan-related information received from the kiosk (300 to 300n) that is disposed at each branch in the offline, and then in response to the inquiry result It determines whether the approval of each bank according to the corresponding client, and at the same time provides a list of loan products of the approved bank and related information to the client.

In addition, the kiosk (or webpage) performs the loan approval of the bank according to the client's option of accessing the loan product list and related information and the loan processing accordingly.

When the personal identification information (also referred to as name, social security number, and basic related information) is input through the kiosks 300 to 300n which are arranged offline, the personal identification verification / processing unit 121 inputs the related personal information into Korea. The name is transmitted to a real name verification authority 500 such as a credit rating information agency to perform a real name verification certification process.

At this time, if it is confirmed through the real name verification authority 500 that the information of the client is not the real name, the termination of the loan brokerage processing service to the client.

When the credit information verification / processing unit 122 receives the real name verification result for the client from the real name verification / processing unit 121, the user views the credit-related information of the individual with the consent of the client or retrieves the related credit-related information from the relevant institution. Make it available. In this case, the client-specific credit check is performed through a credit rating agency 400 such as the Korea Credit Rating Information Agency, and the client-specific credit information (for example, whether the customer is a good / bad customer or a loan-related collateral). The database is stored and managed.

The temporary approval processing / providing unit 123 provides a screen for allowing the client to input personal information and additional related information through the kiosks 300 to 300n, and then receives the new images received from the kiosks 300 to 300n. Based on the additional related information and the credit inquiry result, loan conditions for each bank (bank name, list of loan products, interest rate and loan amount of each list, etc.) are compared and searched to determine whether to approve each bank.

In addition, the approval approval processing / providing unit 123 displays a kiosk 300 to 300n in which information (bank name, loan amount, interest rate, credit investigation fee, etc.) related to the loan product list of the approved bank is disposed offline. In addition to providing this information to the client, the relevant information is also transmitted to each bank that has been approved.

In this case, the information transmitted to each bank that has been approved for approval includes the client's personal information and additional related information, and the bank which receives the information checks whether the loan is made to the client. In addition, during the screening process, the screening process will consider the desired loan amount entered in the future and related information.

When the loan examination processing / providing unit 124 receives information about a desired bank and a desired loan amount to receive a loan from a client in contact with the bank-related information that has been approved, the identity verification process through the identity verification / processing unit 121 is performed. After that, the loan examination result processed by the desired bank is provided to the corresponding client.

For reference, in performing such a process, the identity authentication process of the client according to the present invention uses a plurality of kiosks 300 to 300n which are arranged offline, and the kiosks 300 to 300n are identity verification check / processing units ( Under the control of 121), the identity verification process is performed. These kiosks will be discussed later.

Next, the data transmission and reception control unit 125 is a loan brokerage processing service providing system 100 according to an embodiment of the present invention, a plurality of kiosks (300 to 300n), credit rating agency 400, real name verification agency 500 and Overall control is performed so that loan related information exchanged between the first to n-th banks 600 to 600n can be accurately transmitted.

The kiosk management unit 126 manages the kiosks 300 to 300n disposed offline, and stores and manages information related to them (for example, whether or not the kiosk is broken and repaired, and the place where it is arranged). In addition, it stores and manages the avatar (-image consultation and loan-related guide helper) that performs client-specific loan-related counseling and related information (voice file related to question, response file for answer content, etc.).

The database management server 130 manages databases in which various changes / additional information according to loan brokerage processing services provided to the plurality of clients 310 to 310n are provided through the kiosks 300 to 300n.

The client DB 131 stores personal information related to each client (name, social security number, etc.) and additional related information (work name, bank name, bank account number, family details, etc.) and other client related information to be changed / added.

The authentication DB 132 stores information related to real name authentication and credit inquiry results for each client (for example, excellent / bad customers, presence or absence), and information related to identity authentication.

The loan condition DB 133 stores a list of loan products for each bank and related information (type, interest rate, loan limit, qualification condition, etc.) and other information changed / added.

The approval result DB 134 stores information related to the loan approval result (approval status, bank, loan approval amount, loan period, etc.) for each client.

The kiosk DB 135 includes information related to a plurality of kiosks 300 to 300n (placement location, failure status, number of customers, etc.) and avatar-related information (voice files, question contents, and the like) provided through the kiosks 300 to 300n. The result of the response, etc.) is stored.

Prior to the operation process of the loan brokerage processing service providing system using a kiosk having such a structure, the kiosk will be briefly described through the accompanying drawings.

First, the loan brokerage processing service providing system 100 according to the present invention not only performs a client's own authentication process but also provides a plurality of kiosks 300 and 300n which are arranged offline when providing a loan brokerage processing service to a plurality of clients. I use it.

In addition, it is possible to prevent client-specific loan-related consultation through the avatar provided through the kiosk, thereby preventing manpower, resources, and waste of time. An illustration of a kiosk of such functionality is shown in FIG.

3 is a front view of the kiosk shown in FIG. 2. Referring to FIG. 3, the kiosk 300 includes a main body 300 forming a body in a shape such as a computer desk, a kiosk control server 310, a monitor 304, and a web camera 301 embedded inside the lower part of the main body 300. ), A resident registration card reader 305 and a fingerprint reader 306, and the like.

In detail, the kiosk control server 310 to perform the overall control is connected to the loan brokerage processing service providing system 100 of the remote place through the wired or wireless communication network 200, or a personal computer that can transmit and receive information related to the loan or mutual Information processing devices such as workstations, mainframe computers and the like.

In addition, the kiosk control server 310 provides an avatar that performs a loan-related consultation with the client (310 ~ 310n) and guides to fill out the documents related to the loan application, such an avatar provides a manpower and resources, waste of time, etc. To prevent it. At this time, the overall control according to the avatar provided by the kiosk management unit 126 of the loan brokerage processing service providing system 100 according to the present invention.

Looking briefly on the appearance of the main body 300 that incorporates the kiosk control server 310, a web camera (Web camera, 301) to be interviewed with a loan officer or avatar in the middle of the main body 300 as an image ), The web camera 301 transmits the screen shot of the client to the loan brokerage processing service providing system 100 through the kiosk control server 310 in real time to play the screen on the terminal monitor of the loan officer in charge. To be able.

In addition, the central side of the main body is equipped with a speaker 302 and a microphone 303 to enable a video interview with an avatar or a loan officer in charge, and related to the loan received from the loan brokerage processing service providing system 100. A monitor 304 on which data and guide data provided to the client are displayed is mounted at the central position of the main body 300.

In addition, a resident registration entrance is installed at one side of the main body 300, and when the client inputs the resident registration card to the resident registration entrance, the resident registration card recognizer recognizes the fingerprint of the entered resident registration card and transmits the result thereof to the kiosk control server 310 ( 305 is mounted.

The fingerprint reader 306 is mounted on the lower side of the resident registration card reader 305. The fingerprint reader 306 is a recently developed technology and uses a semiconductor fingerprint input device that is compact and easy to structure. The semiconductor fingerprint input device obtains a fingerprint image when the client's hand contacts the surface of the sensor array. The fingerprint image thus obtained is transmitted to the kiosk control server 310 and contrasted with the fingerprint of the resident registration card of the client.

In addition, as an input device for the client to input loan-related information, a keyboard 307 and a mouse 308 are mounted, and the scanner 308 is provided in the main body 300 so that the client can scan and transmit the loan application form and the contract. ) Is attached. In addition, the printer 312 for outputting a contract, such as necessary for the loan forms a structure connected to the main body 300.

The process of providing loan brokerage processing service through the kiosk structured as follows is as follows.

First, when a client who wants to apply for a loan enters his or her name and social security number through a keyboard 307 or a mouse 308 of a kiosk 300 installed at each financial institution or public place, the kiosk control server 310 Receives the real name inquiry result from the loan brokerage processing service providing system 100 and provides it to the client through the screen.

Subsequently, the kiosk control server 310 provides credit related information of the client to the affiliated financial institution, the credit information concentrating institution, or the credit information user under the control of the loan intermediation processing service providing system 100 to determine the credit of the user. Inquire about whether to agree to use as a policy data or public policy as a policy material to obtain the customer's consent, and provides the related inquiry results through the monitor (304).

Thereafter, the kiosk control server 310 displays the basic personal information related information input screen and the additional related information input screen through the monitor 304 under the control of the loan intermediation processing service providing system 100 to allow the client to enter the information input device. Allows you to enter this information.

When the bank approval and the related information are received from the loan intermediation processing service providing system 100 according to the basic and additional related information or the credit check result of each client, the kiosk control server 310 receives the information from the client who has contacted it. Provides loan related information (loan desired bank and loan desired amount, etc.) to the loan intermediation processing service providing system 100.

Subsequently, when the client's ID card is input for identity verification, the ID card recognizer 305 recognizes the fingerprint of the ID card, and the fingerprint reader 306 recognizes the biometric fingerprint of the client. The comparison result for each fingerprint recognition is provided to the loan brokerage processing service providing system 100 through the kiosk control server 310 and the related message is displayed on the screen.

At this time, the embodiment of the present invention has been described for performing the identity verification process through the fingerprint recognition, the present invention is not limited to this, and when performing the identity verification process, it may be performed by using information associated with the mobile communication terminal. have.

In detail, in order to input information required for authentication, a screen for inputting a specific mobile communication terminal number, name and authentication number is provided to the client through the kiosk 300, and then authentication related information input through the client. To the relevant certification authority (for example, the relevant telecommunications company) so that the authentication process can take place.

In addition, the present invention has been described that the kiosk and the loan brokerage processing service providing system is arranged separately to provide the service to the client in real time, but the present invention is not limited thereto, and the loan brokerage processing service providing system is the kiosk. It may be included internally so that service to a corresponding client can be made directly through a kiosk disposed offline.

Subsequently, when the loan intermediation processing service providing system 100 according to the present invention determines whether to approve from the desired bank applied by the client, the loan intermediary processing service providing information is provided to the client through the kiosk 300 to perform loan processing. To be able.

That is, when the credit is determined that the loan is made to the client, after confirming that the loan condition is agreed, the agreement in which the loan condition is written is printed through the printer 312. In the printed agreement, the client writes and signs by hand, and the scene in which the agreement is written is recorded by the camera 311 mounted on the main body 300, and the recorded screen is a loan intermediation processing service providing system 100 ) Is sent to and stored.

As described above, the loan brokerage processing service providing system according to an exemplary embodiment of the present invention provides services related to loan brokerage processing from transmitting and receiving loan related information for each client to identity verification and image loan counseling using a kiosk disposed offline. Can be provided to the client in real time.

The operation process of the loan brokerage processing service providing system using a kiosk having such a characteristic will be described in detail with reference to the accompanying drawings.

4 is a flowchart illustrating a detailed operation of a loan brokerage processing service providing system using a kiosk according to an embodiment of the present invention.

As shown in FIG. 4, first, the client's personal information related to the personal information through the kiosk 300 to 300n in which the clients 310 to 310n to be provided with the loan intermediation processing service according to the embodiment of the present invention are disposed offline. When entering the name and social security number (S401), the kiosk (300 ~ 300n) transfers the received personal information related to the loan brokerage processing service providing system 100. A display example for inputting such personal information is shown in FIG. 5.

FIG. 5 is a diagram illustrating a screen provided by a kiosk for inputting personal information, according to an embodiment of the present invention. As illustrated, the kiosks 300 to 300n confirm identity verification of the loan intermediation processing service providing system 100. It provides a screen for entering the name and resident registration number of the client under the control of / processing unit 121.

Thereafter, the identity verification / processing unit 121 delivers the personal information related to the personal information received from the kiosk 300 to 300n to the real name verification institution 500 such as the Korea Credit Rating Information Agency (S402) to search for the real name in the relevant institution. As a result, it is possible to provide a result (S403).

Thereafter, the credit information verification / processing unit 122 performs the service provision termination or credit information inquiry request to the corresponding client according to the real name verification inquiry result received from the real name verification authority 500.

In detail, the credit information checking / processing unit 122 checks the information received from the real name checking authority 500 (S404), and if the corresponding client confirms that the real name is used, the credit information checking of the client is performed by the credit rating agency ( 400 to request (S405) so that the client's credit information inquiry and results provided (S406) is made, while if it is confirmed that the client used someone's name other than the real name to provide loan brokerage processing service to the client To exit.

Thereafter, the credit information check / processing unit 122 checks whether the client is a loanable customer (S407) based on the inquiry result provided from the credit rating agency 400, and if the check result is a loanable customer, the client's basic personal information related information. And a screen through which additional related information can be input through the kiosks 300 to 300n (S408). 6 and 7 show examples of screens provided through kiosks for inputting such basic and additional related information.

FIG. 6 illustrates a screen provided by a kiosk for inputting basic related information according to an embodiment of the present invention, and FIG. 7 illustrates a screen provided by a kiosk for inputting additional related information according to an embodiment of the present invention. One drawing.

As shown in the drawing, a screen for allowing a client to input basic related information related to a living situation and a current residence, and additional related information related to a job name, monthly income, family matters, and the like is provided.

Subsequently, the approval processing / control unit 123 determines whether to approve each bank by searching and comparing the client-specific basic and additional information received from the kiosks 300 to 300n and loan conditions for each bank. The relevant information is provided through the kiosks 300 to 300n (S409).

At this time, when the approval approval processing / control unit 123 according to the embodiment of the present invention provides information on the approval approval decision through the kiosk (300 to 300n), the bank product list and the related information (bank name) , Interest rates, loan deadlines, loan limits, etc.), allowing clients to choose the loan product that suits their preferences or conditions.

In other words, by allowing clients to access various bank loan products that meet their credit conditions, they can select loan products that fit their conditions, resulting in increased service satisfaction. 8 is a diagram showing an example of providing such information.

FIG. 8 is a diagram illustrating a screen for providing a list of loan products for each bank approved according to an embodiment of the present invention, as shown in FIG. Banks, etc.) The list of loan products and related information (loan amount, interest rate, loan product list and credit check fee, etc.) is displayed.

Then, when such a list of loan products for each bank and related information are provided through the kiosk (300 to 300n), the client encounters the desired loan amount and the bank, such as a mouse or keyboard of the kiosk (300 to 300n) Through selection and typing. The inputted information is provided to a specific bank, and the bank receiving the information checks whether the loan is approved to the corresponding client (S410).

Thereafter, the identity verification check / processing unit 121 according to the present invention allows the identity verification process through the kiosk 300 to 300n to be made (S411).

At this time, the kiosk management unit 126, upon request of the client, transmits the question content and voice file of the avatar, which is a loan counseling and method helper, to the corresponding kiosk, so that the consultation related to the loan through the kiosk or the video consultation with the loan officer Make it happen. These loan related consultations are available at the request of the client at any time during the provision of loan brokerage processing service.

In addition, the kiosks (300 to 300n) disposed at each point on the offline performs the identity authentication process by comparing the fingerprint on the resident registration card through the resident registration card reader 305 and the actual fingerprint of the client through the fingerprint reader 306, The result thereof is transmitted to the identity verification check / processing unit 121. An illustration of this identity verification process is shown in FIG. 9.

FIG. 9 is a diagram illustrating a user authentication process using a kiosk according to the present invention. As shown in FIG.

In addition, the identity verification check / processing unit 121 according to the present invention enables the client to perform the identity verification process only by inputting information related to the mobile communication terminal when the identity verification process of the client is performed. An illustration of such information input is shown in FIG. 10 attached.

FIG. 10 is a view for explaining a user authentication process using mobile communication terminal related information according to an embodiment of the present invention. As shown in FIG. 10, a mobile phone number, a name, and an authentication number may be input. Here, the authentication number is a specific confirmation number provided by the communication company to the terminal of the client when a user authentication request using the mobile communication terminal is requested, and according to the provision of the number, the communication company may charge a predetermined fee as a terminal fee. Some may claim.

Thereafter, when the identity verification / processing unit 121 confirms that the client who requested the loan intermediation processing service is the identity (S412), the final result of the loan approval received from the bank is connected to the client's mobile terminal or kiosk or web page. At the same time, through the financial lending to the client through the on-line or off-line at the same time (S413).

Thereafter, the loan brokerage processing service providing system 100 checks whether there are additional service requests from a plurality of clients (S414), and if there is no additional service request as a result of the check, ends the loan brokerage processing service provision to the corresponding client (S415). On the other hand, if there is an additional service request as a result of the check, the aforementioned operation is repeated.

As described above, the loan brokerage processing service providing system using a kiosk according to an embodiment of the present invention determines and approves whether or not each bank according to the credit conditions for each client, and at the same time, the list of loan products of the bank has been approved for approval By informing the relevant information in detail, it enables the client to receive a loan product according to his / her preferences and conditions, thereby causing an increase in service satisfaction.

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art will be able to variously modify and change the present invention without departing from the spirit and scope of the invention as set forth in the claims below. It will be appreciated.

The loan brokerage processing service providing system using a kiosk according to an embodiment of the present invention allows a client to access a list of loan products for each bank and its related information that meets his or her credit conditions in a short time, and at the same time, his or her own preferences. And it is effective to be able to receive a loan in real time by selecting a variety of loan products suitable for the conditions.

In addition, by performing the consultation related to the client-specific loan request through the avatar through the kiosk, there is an effect that can prevent the waste of time, resources, manpower, etc. due to the reduction of the loan staff for each bank.

Claims (20)

In the system that provides services related to lending brokerage between multiple clients and each bank through wired and wireless network, An identity verification confirmation / processing unit for transmitting the identification information of the client, the identification information transfer unit to the real name confirmation authority; A credit information verification / processing unit for transmitting the received personal information related information to a credit information inquiry authority when the personal information related to the client is confirmed to be normal; If it is determined that the credit condition of the client is loanable, it is determined whether to approve the loan for each bank by comparing the checked credit condition and the personal and additional related information of the client with the loan condition of each bank, and the approved bank And a provision approval processing / providing unit providing information regarding the loan product to the client. And A loan examination processing / providing unit for allowing the client to purchase a loan product of the selected bank when the client selects at least one or more banks among the determined banks and the loan product of the bank; Loan brokerage processing service providing system comprising a. According to claim 1, A kiosk management unit which is disposed offline and delivers information received from the client or information provided to the client, and manages a kiosk for performing video consultation related to the loan of the client and authenticating the client. Loan brokerage processing service providing system, characterized in that it further comprises. The method of claim 2, The kiosk management unit, Loan brokerage processing service providing system, characterized in that the video consultation related to the loan with the client is made with the avatar (-guidance and counseling related helper-) provided through the kiosk or loan officer. The method of claim 3, wherein The kiosk management unit, Loan brokerage processing service providing system, characterized in that provided to the kiosk voice files associated with questions and answers used when performing a loan consultation through the avatar. The method of claim 2, The identity verification confirmation / processing unit, When the information related to the mobile communication terminal of the client is received through the kiosk, the loan brokerage processing service providing system, characterized in that the real-name confirmation is carried out by passing the received information to a communication-related organization. The method of claim 5, The mobile communication terminal related information, And a telephone number of the mobile communication terminal, a name of the client, and an authentication number received from the communication related organization. The method of claim 2, The kiosk management unit, Loan brokerage, characterized in that the authentication is performed by comparing the fingerprint recognized through the resident registration card reader formed in the kiosk with the biometric fingerprint of the client recognized through the fingerprint reader formed on the same surface as the resident registration card reader. Processing service provision system. The method of claim 2, The loan examination processing / providing unit, And informs the client of the bank and product related information selected by the client, personal and additional related information related to the client, the credit inquiry result of the client to the selected bank, and informs the client of the final loan examination result of the selected bank. Loan brokerage processing service providing system. The method of claim 8, Web page management unit for providing a loan intermediation processing service including the provision of information on the bank and the loan product determined by the approval and the provision of the final loan examination through a web page Loan brokerage processing service providing system, characterized in that it further comprises. According to claim 1, The personal information includes a name and a social security number of the client, And the additional related information includes a job name, monthly income, and family matters of the client. Kiosk that provides services related to loan brokerage between multiple clients and each bank through wired and wireless networks, An identity verification confirmation / processing unit for transmitting the identification information of the client, the identification information transfer unit to the real name confirmation authority; A credit information verification / processing unit for transmitting the received personal information related information to a credit information inquiry authority when the personal information related to the client is confirmed to be normal; If it is determined that the credit condition of the client is loanable, it is determined whether to approve the loan for each bank by comparing the checked credit condition and the personal and additional related information of the client with the loan condition of each bank, and the approved bank And a provision approval processing / providing unit providing information regarding the loan product to the client. And A loan examination processing / providing unit for allowing the client to purchase a loan product of the selected bank when the client selects at least one or more banks among the determined banks and the loan product of the bank; Kiosk comprising a. In the method of providing loan related services between a plurality of clients and each bank through a wired or wireless network, A first step of transmitting the received personal information related to the real name identification authority, when the personal information related to the client including the name and the social security number of the client is received; A second step of transferring the received personal information to a credit information inquiry authority when the personal information related to the client is confirmed to be normal; If it is determined that the credit condition of the client is loanable, comparing the checked credit condition with the loan condition of each bank to determine whether to approve the loan for each bank; A fourth step of providing the client with information regarding the approved bank and loan product to allow the client to select at least one bank and the loan product of the bank; And A fifth step of allowing the client to purchase a loan product of the selected bank according to the performed result after performing the identity verification authentication of the client Loan brokerage processing service providing method comprising a. The method of claim 12, The first step to the fifth step, A method for providing a loan intermediation processing service, characterized in that the step is performed through a data consultation with a kiosk (KOSK), which is disposed off-line and performs a video consultation related to the loan of the client and performs authentication of the client. The method of claim 13, The kiosk, Loan brokerage processing service providing method characterized in that the consultation with the client, the avatar or a loan officer in charge of the video consultation related to the loan. The method of claim 13, The third step, And determining whether to approve loans for each bank based on basic information and additional related information related to the client's identity received through the kiosk. The method of claim 13, The fifth step, And receiving the information related to the mobile communication terminal of the client through the kiosk, thereby transmitting the received information to a communication related institution so that real name verification may be performed. The method of claim 16, The mobile communication terminal related information, And a telephone number of the mobile communication terminal, a name of the client, and an authentication number received from the communication related institution. The method of claim 13, The fifth step, Recognizing a fingerprint on a ground through a resident registration card reader formed in the kiosk; Recognizing a biometric fingerprint of a client through a fingerprint reader formed on the same surface as the ID card reader; And Comparing the fingerprint on the recognized paper with the biometric fingerprint of the client to perform identity authentication Loan brokerage processing service providing method comprising a. The method of claim 18, The fifth step, If the identity verification result is normal, providing a list of loan products selected by the client, personal and additional related information related to the client, and a credit inquiry result of the client to the selected bank; And Providing a final loan examination result at the selected bank through the kiosk or the mobile communication terminal Loan brokerage processing service providing method comprising a. The method of claim 13, Providing information about the approved bank and the loan products of the bank or providing a final loan examination result of the bank through a web page Loan brokerage processing service providing method characterized in that it further comprises.