KR20230131525A - A non-face-to-face electronic loan service system using a metabus platform - Google Patents

Abstract

The present invention relates to a non-face-to-face electronic loan service system utilizing a metaverse platform, and more specifically, has the effect of providing a non-face-to-face electronic loan service between users and financial institutions without information leakage on the blockchain-based metaverse platform by accessing the blockchain-based metaverse platform, users may perform credit consultation (ChatBot) and application through the financial service department after signing up for membership through the membership registration form on the user terminal, and automatically submit personal and business owner authentication and ERP data, and receiving and confirming financial self-diagnosis, the personal and business owner authentication and the ERP data through the diagnosis service department, and monitoring the progress of the credit, verifying the business registration number and representative stated on the business registration certificate as business owner and representative authentication is carried out simultaneously with the credit application and is accessed through Hometax, proceeding with representative's identity verification to confirm that he/she is the representative of the applicant business through mobile authentication in the person's name and verification of the real-name account of the transaction bank, automatically transmitting data whose information consistency is verified by comparing it with Hometax information to the financial institution server for credit application after selecting the business registration number, data base year, and transmission data to obtain information by accessing an ERP system server linked to the service when applying for the credit, and identifying industry analysis, competitor analysis, business partner analysis, financial credit analysis, future projections, and diagnosis results reports through self-diagnosis.

Description

Non-face-to-face electronic loan service system using a metabus platform}

The present invention involves registering as a member through the membership registration department on the user terminal, accessing the blockchain-based Metaverse platform, performing credit consultation (ChatBot) and application through the financial service department, self and business authentication, and automatic submission of ERP data, Non-face-to-face electronic lending between users and financial institutions without information leakage on the blockchain-based Metaverse platform by receiving and confirming financial self-diagnosis, identity and business authentication, and ERP data through the diagnostic service department, and monitoring the progress of credit. Services can be provided, and business and representative authentication are carried out simultaneously when applying for credit. You can also access Hometax to check the business number and representative specified in the business registration certificate, and representative identity verification to confirm that you are the representative of the applicant business can be done through a mobile phone in your name. This can be done through authentication and confirmation of the bank's real name account. When applying for a loan, you can access the ERP system server linked to the service and select the business registration number, data base year, and transmission data, which are necessary for credit processing to the financial institution server. Business information can be automatically transmitted, and the consistency of data can be verified by comparing it with Hometax reporting information. In addition, through self-diagnosis, industry analysis, competitive company analysis, customer analysis, financial credit rating analysis, future estimation, and diagnosis report can be identified. This is a technology related to a non-face-to-face electronic loan service system using the Metaverse platform.

In general, small and medium-sized companies not only have higher credit risk than large companies, but also have low objectivity and accuracy of corporate information that can determine credit risk, and it is difficult to find potential candidates due to excessive costs for business.

Therefore, when reviewing and executing credit, it is inevitable to rely on the credit reviewer's on-site investigation and judgment rather than using an evaluation model, resulting in a lot of operating costs related to credit review and loan execution and management.

In addition, in the case of small and medium-sized enterprises, the size of credit per company is smaller than that of large enterprises, so excessive costs per unit of credit are incurred, making it not a highly profitable sector for financial institutions.

Meanwhile, because financial institutions have focused on financing large corporations, they lack experience in lending to small and medium-sized businesses and the number of experts in lending to small and medium-sized businesses, and they also lack marketing channels to discover and manage loan targets for small and medium-sized businesses.

Additionally, due to the development of the financial industry, many modern people are using various financial transaction services and are using convenient financial services through these services.

In this situation, most financial institutions that provide financial transaction services are providing mobile financial services using mobile phones, etc.

However, in the case of mobile services using mobile phones, etc., the focus is on providing transfer services, inquiry services, etc. rather than providing financing methods through loans, etc. when actual cash is needed, so there are many cases where cash is actually urgently needed. People have problems using services such as loans.

In addition, as there is no system for providing non-face-to-face electronic loan services to corporate customers using various credit products released by financial institutions for corporations and individual business owners and credit-related information generation and management networks, financial institutions are unable to provide tax accounting services. It is not possible to increase the efficiency of credit evaluation and shorten screening time by attracting new corporate customers and transmitting data in real time by using the package, and corporate customers can apply for credit and take out loans through the credit-related information generation and management network (tax agency). It is not possible to submit application materials and check evaluation results in real time through mobile devices.

In addition, financial institutions do not have a system in place to obtain and manage real-time customer data online in relation to credit applications and credit reviews for corporate customers and to provide preliminary signs of insolvency and post-risk management monitoring through the obtained information. .

In addition, by accessing the blockchain-based Metaverse platform from the user terminal, credit counseling (ChatBot) and application, self- and business authentication, and automatic submission of ERP data are performed through the Financial Services Department, and financial self-diagnosis is performed through the Diagnostic Service Department. There is no system that can receive and confirm identity and business authentication and ERP data, monitor the progress of credit, and provide non-face-to-face electronic loan services between users and financial institutions without information leakage on the blockchain-based Metaverse platform. am.

Therefore, after registering as a member through the membership registration department on the user terminal, access the blockchain-based Metaverse platform and perform credit counseling (ChatBot) and application through the financial service department, self and business authentication, automatic submission of ERP data, and diagnostic services. Through the department, financial self-diagnosis, identity and business authentication, and ERP data are received and confirmed, and the loan progress is monitored to provide a non-face-to-face electronic loan service between users and financial institutions without information leakage on the blockchain-based Metaverse platform. Not only can business and representative authentication be carried out simultaneously when applying for credit, but you can also access Hometax to check the business number and representative specified in the business registration certificate, and representative identity verification that confirms that you are the representative of the applicant business can be done through mobile authentication and transaction in your name. This can be done by verifying the bank's real name account. When applying for a loan, access the ERP system server linked to the service and select the business registration number, data base year, and transmission data to automatically send the business information required for loan processing to the financial institution server. There is an urgent need for the development of a non-face-to-face electronic loan service system using the Metaverse platform that can not only transmit, but also identify industry analysis, competitive company analysis, customer analysis, financial credit analysis, future estimation, and diagnosis report through self-diagnosis. It is happening.

KR 10-2009-0055230(2009. 6. 19)

Therefore, the present invention was conceived to solve the above problems. After registering as a member through the membership registration department on the user terminal, the user accesses the blockchain-based Metaverse platform and receives credit counseling (ChatBot) and application through the financial service department. and automatic submission of business authentication and ERP data, receive and confirm financial self-diagnosis, identity and business authentication, and ERP data through the diagnostic service department, and monitor the progress of credit on the blockchain-based Metaverse platform. The purpose is to provide a non-face-to-face electronic loan service system using the Metaverse platform that can provide non-face-to-face electronic loan services between users and financial institutions without information leakage.

Another purpose of the present invention is that business and representative authentication are carried out simultaneously when applying for credit, as well as accessing Hometax to check the business number and representative specified in the business registration certificate, and representative identity verification to confirm that he or she is the representative of the applicant business is mobile authentication of the applicant's name. The goal is to provide a non-face-to-face electronic loan service system using the Metaverse platform that can be processed through real-name account verification by the transaction bank.

Another purpose of the present invention is to access the ERP system server linked to the service when applying for credit and select the business registration number, data base year, and transmission data, so that the business information required for credit processing can be automatically transmitted to the financial institution server. , which verifies the consistency of data by comparing it with Hometax report information, as well as self-diagnosis using the Metaverse platform that can identify industry analysis, competitive company analysis, customer analysis, financial credit analysis, future estimation, and diagnosis report. The goal is to provide a face-to-face electronic loan service system.

The non-face-to-face electronic loan service system utilizing the Metaverse platform according to a preferred embodiment of the present invention to achieve the above purpose accesses the ERP system server from the user terminal to provide company overview, financial statements, value-added tax reporting information, and corporate tax reporting. A function to receive information and comprehensive income tax reporting information, a function to access Hometax and receive Hometax tax information and Hometax certification information, and a function to receive approval after applying for membership in the membership registration department and access the blockchain-based Metaverse platform to receive information. A user terminal having a function of providing mutual information by linking personal information of the service department, credit counseling and application information of the financial service department, and financial self-diagnosis and credit progress information of the diagnostic service department with a financial institution server; The user terminal has the function of providing company overview, financial statements, value-added tax reporting information, corporate tax reporting information, and comprehensive income tax reporting information, and automatically records information in the ERP system server upon authentication and data transmission after authenticating the user and business operator to the financial institution server. An ERP system server with functions provided by; Hometax, which has a function of automatically providing Hometax tax information and Hometax certification information to a financial institution server when authenticating and transmitting data after verifying the identity and business; The function of registering as a member through the membership registration department on the user terminal and then creating an avatar to access the blockchain-based Metaverse platform, the function of performing product introduction information and customized product recommendation information for each bank through the information service department, and financial services Through the department, credit counseling (ChatBot) and application, self- and business authentication, and automatic submission of ERP data are performed, and through the diagnostic service department, financial self-diagnosis, identity and business authentication, and ERP data are received and confirmed, and credit is provided. A blockchain-based Metaverse platform with the ability to monitor the progress of; A function to automatically receive information in the ERP system, Hometax tax information, and Hometax certification information upon authentication and data transmission after authenticating the user and business operator from the ERP system server and Hometax, and a function to recommend banking products to the user terminal, Functions to receive and confirm credit counseling and credit applications through ChatBot from the user terminal, confirm consent to provide information and entity authentication, receive financial data and other data after authenticating the company and its representative, and perform data analysis and screening, and A financial institution server that has the function of notifying a terminal of approval of a credit application and executing a loan; It is characterized by including.

In the present invention, the Hometax is characterized in that it includes Hometax tax information of tax return payment information, and Hometax proof information of a business registration certificate, a standard financial statement certificate, a tax-exempt business income amount certificate, and a value-added tax base certificate.

In the present invention, the blockchain-based metaverse platform includes a membership registration unit having a function of receiving and approving membership applications from a user terminal; After registering as a member through the membership registration section and creating an avatar, you can apply for credit through information about the branch bank and credit products, product and interest rate comparison information for each bank, customized product recommendation information through the customer checklist, and business information. an information service department that has the function of checking credit availability checklist information to check whether approval is possible; Through ChatBot with the selected bank, credit consultation and application information, credit review and credit approval information, identity and business authentication information according to consent to provide information, ERP data and home tax information through ERP system communication are sent to the financial institution server. a financial service department with the function of transmitting and receiving; A diagnostic service unit that has the function of receiving financial self-diagnosis and information inquiry, registration data inquiry information, and loan progress status inquiry information by bank through ERP system communication; It is characterized by including.

In the present invention, the financial service department of the blockchain-based metaverse platform performs authentication by dividing into business entity authentication and submission data authentication and representative (principal) authentication when authenticating a business, and in the business entity authentication and submission data authentication, By performing entity authentication based on a public certificate from the business registration number, company name, and representative information received from Hometax, and authenticating data received from the ERP system, information is provided by comparing the data reported by accessing Hometax and the bookkeeping data in the ERP system. It certifies the consistency of , and the representative (principal) authentication includes mobile identity authentication and real-name account authentication.

In the present invention, the financial service department of the blockchain-based Metaverse platform receives the user's consent to provide information, authenticates the company and its representative, enters the business registration number, enters the base year of financial data, and prepares financial statements (management). For), select the data to be received for the VAT e-reporting production file, corporate tax e-reporting production file, and comprehensive income tax e-reporting production file, and execute the data reception to create blockchain and non-fungible tokens to prevent data tampering and preserve properties ( It is characterized by applying NFT) to transmit data to a financial institution server.

In the present invention, the business registration number is entered in the diagnostic service department of the blockchain-based Metaverse platform, the base year of the financial data is entered, and the received data of the financial statement (for management) and VAT electronic report production file are selected. It is characterized by receiving data and providing industry analysis, competitive company analysis, customer analysis, financial credit rating analysis, future estimation, and diagnosis report through self-diagnosis.

In the present invention, the financial institution server includes a customer DB storing customer information from the information service department, a consultation management DB storing credit consultation information from the financial service department, and credit screening information from the financial service department. It is characterized by including a stored credit review DB and a credit post-management DB in which information after credit review approval from the financial services department is stored.

As described above, the non-face-to-face electronic loan service system utilizing the Metaverse platform of the present invention has the following effects.

First, the present invention connects to the blockchain-based Metaverse platform after registering as a member through the membership registration department on the user terminal, and performs credit counseling (ChatBot) and application through the financial service department, as well as identity and business authentication and automatic submission of ERP data. By receiving and confirming financial self-diagnosis, identity and business authentication, and ERP data through the diagnostic service department, and monitoring the progress of credit, non-face-to-face communication between users and financial institutions is possible without information leakage on the blockchain-based Metaverse platform. Electronic loan services can be provided.

Second, in the present invention, the authentication of the business and representative is carried out simultaneously when applying for credit, and the business number and representative specified in the business registration certificate can be confirmed by accessing Hometax. You can proceed by verifying your real name account with your bank.

Third, the present invention accesses the ERP system server linked to the service when applying for credit and selects the business registration number, data base year, and transmission data, so that the business information required for credit processing can be automatically transmitted to the financial institution server. In addition to verifying the consistency of data by comparing it with Hometax reporting information, you can also check industry analysis, competitive company analysis, customer analysis, financial credit rating analysis, future estimation, and diagnosis report through self-diagnosis.

Figure 1 is a diagram showing the configuration of a non-face-to-face electronic loan service system utilizing the Metaverse platform according to an embodiment of the present invention.
Figure 2 is a diagram illustrating the process of authenticating the authentication and submission data of companies and representatives in a non-face-to-face electronic loan service system utilizing the Metaverse platform according to an embodiment of the present invention.
Figure 3 is a diagram illustrating the process of communication between an ERP system and a financial institution server in a non-face-to-face electronic loan service system utilizing the Metaverse platform according to an embodiment of the present invention.
Figure 4 is a diagram illustrating the process of self-diagnosis through ERP system communication in a non-face-to-face electronic loan service system utilizing the Metaverse platform according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be examined together with the accompanying drawings. In explaining the present invention, if it is determined that a detailed description of related known technology or configuration may unnecessarily obscure the gist of the present invention, the detailed description will be omitted. Description will be omitted, and the terms described below are terms defined in consideration of the functions in the present invention, and may vary depending on the intention or custom of the user or operator, etc., so the definition is defined as a non-face-to-face electronic device using the Metaverse platform, which is the present invention. The decision should be made based on the overall content of this specification explaining the loan service system.

Hereinafter, a non-face-to-face electronic loan service system utilizing the Metaverse platform according to a preferred embodiment of the present invention will be described in detail with reference to the attached drawings.

Figure 1 is a diagram showing the configuration of a non-face-to-face electronic loan service system utilizing the Metaverse platform according to an embodiment of the present invention, and Figure 2 is a diagram showing the configuration of a non-face-to-face electronic loan service system utilizing the Metaverse platform according to an embodiment of the present invention. In the non-face-to-face electronic loan service system, it is a diagram showing the process of authenticating the authentication and submission data of companies and representatives, and Figure 3 is a non-face-to-face electronic loan service using the Metaverse platform according to an embodiment of the present invention. In the system, it is a diagram shown to explain the process of communication between the ERP system and the financial institution server, and Figure 4 shows ERP system communication in a non-face-to-face electronic loan service system using the Metaverse platform according to an embodiment of the present invention. This diagram is designed to explain the self-diagnosis process.

The non-face-to-face electronic loan service system utilizing the inventor's Metaverse platform includes a user terminal (100), ERP system (server) (200), Hometax (300), blockchain-based Metaverse platform (400), and membership registration. Department (410), Information Service Department (420), Financial Service Department (430), Diagnostic Service Department (440), Financial Institution Server (500), Customer DB (510), Counseling Management DB (520), Credit Review DB ( 530), credit post-management DB (540), etc.

As shown in Figures 1 to 4, the non-face-to-face electronic loan service system utilizing the present inventor's Metaverse platform accesses the ERP system server 200 from the user terminal 100 to provide company overview, financial statements, and value-added tax reporting. A function to receive information, corporate tax report information, and comprehensive income tax report information, a function to receive Hometax tax information and Hometax certification information by accessing Hometax (300), and a function to apply for membership in the membership registration department (410) and receive approval. Access the blockchain-based Metaverse platform (400) to obtain personal information from the Information Service Department (420), credit counseling and application information from the Financial Service Department (430), and financial self-diagnosis and credit progress from the Diagnostic Service Department (440). a user terminal 100 having a function of providing mutual information by linking information with a financial institution server 500; The function of providing company overview, financial statements, value-added tax reporting information, corporate tax reporting information, and comprehensive income tax reporting information to the user terminal (100), and ERP upon authentication and data transmission after authenticating the user and business operator to the financial institution server (500) An ERP system server (200) having a function of automatically providing information in the system server (200); Hometax 300, which has a function of automatically providing Hometax tax information and Hometax verification information to the financial institution server 500 upon authentication and data transmission after identity and business authentication; After registering as a member through the membership registration section 410 in the user terminal 100, the function of creating an avatar and accessing the blockchain-based metaverse platform 400, and introducing products for each bank through the information service section 420 Functions to perform information and customized product recommendation information, credit counseling (ChatBot) and application through the Financial Services Department (430), identity and business authentication, and automatic submission of ERP data, and diagnostic service department (440) ), a blockchain-based Metaverse platform (400) that has the function of receiving and confirming financial self-diagnosis, identity and business authentication, and ERP data, and monitoring the progress of credit; A function to automatically receive information in the ERP system server 200, Hometax tax information, and Hometax certification information upon authentication and data transmission after identity and business authentication from the ERP system server 200 and Hometax 300, and the user The function of recommending banking products to the terminal 100, receiving and confirming credit counseling and credit applications from the user terminal 100 through ChatBot, confirming consent to provide information and entity authentication, and providing financial data and A financial institution server (500) that has the function of receiving other data and performing data analysis and review, notifying the user terminal (100) of approval of the loan application, and executing the loan; Equipped with

The functions of each technical means constituting the non-face-to-face electronic loan service system utilizing the Metaverse platform of the present invention will be described as follows.

The user terminal 100 has a function of accessing the ERP system server 200 from the user terminal 100 to receive company overview, financial statements, value-added tax reporting information, corporate tax reporting information, and comprehensive income tax reporting information, and a home tax (300) ) to receive hometax tax information and hometax certification information, and to receive approval after applying for membership in the membership registration department (410) and access the blockchain-based Metaverse platform (400) to receive information from the information service department (420). It has the function of providing mutual information by linking personal information, credit counseling and application information from the financial service department 430, and financial self-diagnosis and credit progress information from the diagnostic service department 440 with the financial institution server 500. .

The ERP system server 200 has the function of providing the company overview, financial statements, value-added tax reporting information, corporate tax reporting information, and comprehensive income tax reporting information to the user terminal 100, and the financial institution server 500 to provide personal and business information. It has a function of automatically providing information in the ERP system server 200 when authentication and data are transmitted after authentication.

The Hometax 300 has a function of automatically providing Hometax tax information and Hometax verification information to the financial institution server 500 when authenticating and transmitting data after authenticating the user and business operator.

Here, the Hometax 300 includes Hometax tax information of tax return payment information, and Hometax proof information of business registration certificate, standard financial statement certificate, duty-free business income amount certificate, and value-added tax base certificate.

The blockchain-based metaverse platform 400 includes the function of registering as a member through the membership registration section 410 on the user terminal 100, creating an avatar and accessing the blockchain-based metaverse platform 400, and information Functions of performing product introduction information and customized product recommendation information for each bank through the service department (420), credit counseling (ChatBot) and application through the financial service department (430), identity and business authentication, and automatic submission of ERP data It has the function of performing financial self-diagnosis, receiving and confirming identity and business authentication and ERP data through the diagnostic service department 440, and monitoring the progress of credit.

Here, the blockchain-based metaverse platform 400 includes a membership registration unit 410 having a function of receiving and approving membership applications from the user terminal 100; After registering as a member through the membership registration section 410 and creating an avatar, you can receive information about the branch bank and credit products, product and interest rate comparison information for each bank, customized product recommendation information through a customer checklist, and business information. an information service unit 420 that has the function of checking credit availability checklist information to check whether a credit application and approval is possible through; Through ChatBot with the selected bank, credit consultation and application information, credit review and credit approval information, identity and business authentication information according to consent to provide information, ERP data and home tax information through ERP system communication are sent to the financial institution server. a financial service unit 430 having the function of transmitting and receiving; It includes a diagnosis service unit 440 that has the function of receiving financial self-diagnosis and information inquiry, registration data inquiry information, and credit progress status inquiry information by bank through ERP system communication.

In addition, as shown in FIG. 2, when authenticating a business in the financial service department 430 of the blockchain-based metaverse platform 400, the authentication is divided into business entity authentication and submitted data authentication, and representative (principle) authentication. , In the business entity authentication and submitted data authentication, entity authentication is performed based on a public certificate based on the business registration number, company name, and representative information transmitted from Hometax (300), data transmitted from the ERP system (200), and Hometax (300). The consistency of information is verified by comparing the accessed and reported data, and the representative (identity) authentication involves mobile identity authentication and real-name account authentication.

As shown in Figure 3, the Geumwoong Service Department 430 of the blockchain-based Metaverse platform 400 receives the user's consent to provide information, authenticates the company and its representative, enters the business registration number, and sets the standard for financial data. Enter the year, select the receiving data for financial statements (for management), VAT electronic reporting production file, corporate tax electronic reporting production file, and comprehensive income tax electronic reporting production file, and execute data reception to create blockchain and non-fungible tokens ( NFT) is applied to transmit data to a financial institution server.

In addition, as shown in Figure 4, the business registration number is entered in the diagnostic service unit 440 of the blockchain-based metaverse platform 400, the base year of financial data is entered, financial statements (for management), Select the data to be received from the VAT e-report production file, execute the data reception, and receive industry analysis, competitive company analysis, customer analysis, financial credit analysis, future estimation, and diagnosis report through self-diagnosis.

The financial institution server 500 automatically collects the information in the ERP system server 200, Hometax tax information, and Hometax certification information when authenticating and transmitting data after verifying the identity and business from the ERP system server 200 and Hometax 300. A function to receive data, a function to recommend banking products to the user terminal 100, receive and confirm credit consultation and credit applications from the user terminal 100, confirm consent to provide information and entity authentication, and provide information to companies and representatives. It has the function of receiving financial data and other data after authentication to perform data analysis and screening, as well as the function of notifying the user terminal 100 of approval of the loan application and executing the loan.

Here, the financial institution server 500 includes a customer DB 510 in which customer information of the information service department 420 is stored, and a consultation management DB 520 in which credit counseling information in the financial service department 430 is stored. ), a credit review DB (530) in which credit review information from the Financial Services Department (440) is stored, and a credit post-management DB (540) in which information after credit review approval in the Financial Services Department (440) is stored. ) includes.

As described above, various substitutions, modifications, and changes can be made by those skilled in the art without departing from the technical spirit of the present invention, so it is limited to the above-described embodiments and the attached drawings. It doesn't work.

As described above, the non-face-to-face electronic loan service system utilizing the Metaverse platform of the present invention can be broadly applied to the credit field linked to financial institutions.

100: User terminal 200: ERP system (server)
300: Hometax 400: Blockchain-based Metaverse platform
410: Membership registration department 420: Information service department
430: Financial Services Department 440: Diagnostic Services Department
500: Financial institution server 510: Customer DB
520: Counseling management DB 530: Credit review DB
540: Loan post-management DB

Claims (7)

In the non-face-to-face electronic loan service system using the Metaverse platform,
A function to access the ERP system server from the user terminal and receive company overview, financial statements, value-added tax reporting information, corporate tax reporting information, and comprehensive income tax reporting information, and a function to access Hometax to receive Hometax tax information and Hometax certification information. After applying for membership in the membership registration department and receiving approval, you can access the blockchain-based Metaverse platform and collect personal information from the information service department, credit counseling and application information from the financial service department, and financial self-diagnosis and credit progress information from the diagnostic service department. A user terminal that is linked to an institutional server and has the function of providing mutual information;
The user terminal has the function of providing company overview, financial statements, value-added tax reporting information, corporate tax reporting information, and comprehensive income tax reporting information, and automatically records information in the ERP system server upon authentication and data transmission after authenticating the user and business operator to the financial institution server. An ERP system server with functions provided by;
Hometax, which has a function of automatically providing Hometax tax information and Hometax certification information to a financial institution server when authenticating and transmitting data after verifying the identity and business;
The function of registering as a member through the membership registration department on the user terminal and then creating an avatar to access the blockchain-based Metaverse platform, the function of performing product introduction information and customized product recommendation information for each bank through the information service department, and financial services Through the department, credit counseling (ChatBot) and application, self- and business authentication, and automatic submission of ERP data are performed, and through the diagnostic service department, financial self-diagnosis, identity and business authentication, and ERP data are received and confirmed, and credit is provided. A blockchain-based Metaverse platform with the ability to monitor the progress of;
A function to automatically receive information in the ERP system server, Hometax tax information, and Hometax certification information upon authentication and data transmission after authenticating the user and business from the ERP system server and Hometax, and a function to recommend bank products to the user terminal. , The function of receiving and confirming credit consultation and credit applications through ChatBot from the user terminal, confirming consent to provide information and entity authentication, and performing data analysis and screening by receiving financial data and other data after authenticating the company and representative, A financial institution server that has the function of notifying the user terminal of approval of a credit application and executing the loan; A non-face-to-face electronic loan service system utilizing the Metaverse platform, which includes: According to clause 1,
The above-mentioned Hometax uses the Metaverse platform, which includes Hometax tax information of tax return payment information, and Hometax proof information of business registration certificate, standard financial statement certificate, duty-free business income amount certificate, and value-added tax tax base certificate. Face-to-face electronic loan service system. According to clause 1,
The blockchain-based Metaverse platform includes a membership registration department that has the function of receiving and approving membership applications from user terminals; After registering as a member through the membership registration section and creating an avatar, you can apply for credit through information about the branch bank and credit products, product and interest rate comparison information for each bank, customized product recommendation information through the customer checklist, and business information. an information service department that has the function of checking credit availability checklist information to check whether approval is possible; Through ChatBot with the selected bank, credit consultation and application information, credit review and credit approval information, identity and business authentication information according to consent to provide information, ERP data and home tax information through ERP system communication are sent to the financial institution server. a financial service department with the function of transmitting and receiving; A diagnostic service unit that has the function of receiving financial self-diagnosis and information inquiry, registration data inquiry information, and loan progress status inquiry information by bank through ERP system communication; A non-face-to-face electronic loan service system utilizing the Metaverse platform, which includes: According to clause 3,
When authenticating a business in the financial service department of the blockchain-based Metaverse platform, authentication is done separately into business entity authentication and submission data authentication, and representative (principal) authentication. In the business entity authentication and submission data authentication, the business number received from Hometax is used. , authenticates the entity based on a public certificate from the company name and representative information, authenticates the data transmitted from the ERP system, and verifies the consistency of the information by comparing the data reported by accessing Hometax and the bookkeeping data in the ERP system. , A non-face-to-face electronic loan service system utilizing the Metaverse platform, wherein the representative (principle) authentication includes mobile identity authentication and real-name account authentication. According to clause 3,
The financial service department of the blockchain-based Metaverse platform receives the user's consent to provide information, certifies the company and representative, enters the business registration number, enters the base year of financial data, and submits financial statements (for management) and VAT electronic reporting. This includes selecting the data to be received from the production file, corporate tax electronic declaration production file, and comprehensive income tax electronic declaration production file, executing data reception, and transmitting the data to the financial institution server by applying blockchain and non-fungible token (NFT). A non-face-to-face electronic loan service system utilizing the Metaverse platform, which is characterized by: According to clause 3,
In the diagnostic service department of the blockchain-based Metaverse platform, enter the business registration number, enter the base year of financial data, select the data to be received for financial statements (for management) and VAT electronic reporting production files, and execute data reception. A non-face-to-face electronic loan service system utilizing the Metaverse platform, which includes providing industry analysis, competitive company analysis, customer analysis, financial credit analysis, future estimation, and diagnosis result reports through self-diagnosis. According to clause 1,
The financial institution server includes a customer DB where customer information from the Information Service Department is stored, a consultation management DB where credit consultation information from the Financial Service Department is stored, and a credit screening DB where credit screening information from the Financial Service Department is stored. Wow, a non-face-to-face electronic loan service system utilizing the Metaverse platform, which is characterized by including a credit post-management DB in which information after credit review approval by the Financial Services Department is stored.