KR20090084790A - System for coordination credit loan admission - Google Patents

Abstract

A coordination credit loan admission system is provided to reduce unnecessary time spent for admitting credit limit/interest rate. An information receiving unit(120) receives loan apply information. A loan limit admitting unit(140) admits the limit amount corresponding to the loan apply information. An interrupt unit(145) interrupts limit amount approval. An information admitting unit(135) transmits the loan apply information and limit amount admission information to a head office terminal. An interest admission unit(155) applies a preset interest rate to interest rate process information. An information transmitting unit(125) transmits the limit amount admission information and the interest rate admission information to a branch terminal.

Description

Integrated Credit Credit System {System for Coordination Credit Loan Admission}

1 is a view showing a face-to-face integrated credit approval system for the operation of limit approval and interest rate approval related to corporate credit in accordance with an embodiment of the present invention.

Figure 2 is interest rate approval information stored in the interest rate processing information D / B associated with the ledger D / B of the DBMS on the financial system in a face-to-face manner for the operation of the limit approval and interest rate approval associated with the corporate credit in accordance with an embodiment of the present invention It is a figure which shows a structure.

3A, 3B, and 3C illustrate a process of registering information for limit approval and interest rate approval related to corporate credit in a face-to-face manner according to one embodiment of the present invention.

4A, 4B, and 4C illustrate a process of registering information for limit approval and interest rate approval associated with a corporate credit in a face-to-face manner according to another embodiment of the present invention.

5 is a diagram illustrating a process of processing information for processing and operating a limit approval associated with a corporate credit in a face-to-face manner according to an exemplary embodiment of the present invention.

6 is a diagram illustrating a process of processing information for processing and operating a limit approval associated with a corporate credit in a face-to-face manner according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a process of processing information for processing and operating a limit approval associated with a corporate credit in a face-to-face manner according to an exemplary embodiment of the present invention.

8 is a diagram illustrating a process of processing information for processing and operating a limit approval associated with a corporate credit in a face-to-face manner according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a process of processing information for processing and operating a credit rate related to a corporate credit in a face-to-face manner according to an exemplary embodiment of the present invention.

10 is a diagram illustrating a process of processing information for processing and operating a credit rate associated with a corporate credit in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 11 is a diagram illustrating a process of processing information for processing and operating a credit rate related to a corporate credit when a preferential rate exists in a face-to-face manner according to an exemplary embodiment of the present invention.

12 is a diagram illustrating a process of processing information for processing and operating a credit rate related to a corporate credit when a preferential rate exists in a face-to-face manner according to another exemplary embodiment of the present invention.

13A and 13B illustrate a process of processing information for credit credit approval when a credit product requested by a customer in a face-to-face manner according to an exemplary embodiment of the present invention is a credit credit.

14 is a view showing a process of processing information for credit credit approval when the credit product requested by the customer in a face-to-face manner according to another embodiment of the present invention.

15 is a diagram illustrating a process of processing information for credit credit approval when a credit product requested by a customer in a face-to-face manner according to another exemplary embodiment of the present invention is a credit credit.

16 is a diagram illustrating a process of processing information for credit credit approval when a credit product requested by a customer in a face-to-face manner according to another embodiment of the present invention is a credit credit.

FIG. 17 is a diagram illustrating a process of processing information for approval of a collateral loan when a credit product requested by a customer in a face-to-face manner according to an exemplary embodiment of the present invention is a collateral credit.

18 is a diagram illustrating a process of processing information for approval of a mortgage when a credit product requested by a customer in a face-to-face manner according to an exemplary embodiment of the present invention is a mortgage.

19 is a diagram illustrating a process of processing information for approval of a collateral credit when the credit product requested by the customer in a face-to-face manner according to another embodiment of the present invention is a collateral credit.

20 is a diagram illustrating a process of processing information for approval of a collateral loan when the credit product requested by the customer in a face-to-face manner according to another embodiment of the present invention is a collateral credit.

21 is a diagram illustrating a process of processing information for credit credit approval when a credit product requested by a customer in a face-to-face manner according to another exemplary embodiment of the present invention is a credit credit.

22 is a diagram illustrating a process of processing information for credit credit approval when a credit product requested by a customer in a face-to-face manner according to another exemplary embodiment of the present invention is a credit credit.

<Description of main parts of drawing>

100: financial transaction terminal 105: credit processing server

110: interface unit 115: interface providing unit

120: information receiver 125: information transmitter

130: validation unit 135: information confirmation unit

140: credit limit approval unit 145: branch approval interrupt unit

150: interest rate information receiving unit 155: interest rate approval processing unit

160: credit approval processing unit

In the present invention, the limit approval corresponding to the credit application is transferred in advance at the branch, and the interest rate approval is transferred in the main branch in the credit approval system of the corporate customer, when the credit application information of the corporate customer is transmitted from the branch terminal, the credit application Information receiving means for receiving information, credit limit approval means for approving the limit amount corresponding to the credit application information with branch authority, interrupt means for interrupting the limit amount approval upon approving the limit amount, interest rate transfer Information confirmation means for confirming a main terminal corresponding to the interest rate right right corresponding to the credit application information in association with a database storing the right information, and transmitting the credit application information and the limit amount approval information to the main terminal terminal; If the main office terminal sends the interest rate processing information for each limit amount corresponding to the credit application information, Approving, but in conjunction with a database for storing the target interest rate approval target information corresponding to the credit application information, interest rate approval means for applying a predetermined preferential rate to the interest rate processing information and the limit amount approval information and interest rate approval information It relates to an integrated credit approval system having an information transmitting means for transmitting to a branch terminal.

As the conventional corporate credit limit approval and interest rate approval process is approved through the approval process between the branch of the financial institution and the head office, the credit limit and interest rate are lower than the processing time for calculating the credit limit and calculating the interest rate. It is true that the intervals of time that result from the approval of the system were longer.

However, this method of processing has a problem that the time required for a company is less flexible about the turnover rate of the company due to the time consuming, and consequently, the cost is incurred due to the delay of the processing schedule. The problem arises that you can miss the opportunity to attract potential customers with a lot of profit.

An object of the present invention for solving the above problems, in the credit approval system of the enterprise customer that the limit approval corresponding to the credit application is announcing at the branch, the interest rate approval is announcing at the main branch, the credit of the corporate customer at the branch terminal When the application information is transmitted, information receiving means for receiving the credit application information, credit limit approval means for approving the limit amount corresponding to the credit application information with the branch authority, and when the limit amount is approved, the limit amount is approved. Check the main terminal terminal corresponding to the interest rate sequencing right corresponding to the credit application information in association with an interrupt means for interrupting and a database storing interest rate sequencing right information, and the credit terminal application sends the credit application information and the limit amount approval information to the main terminal terminal. Information confirmation means to be transmitted, and the interest rate of each limit amount corresponding to the credit application information in the main office terminal If the interest rate information is transmitted, the interest rate approval means for approving the interest rate by the limit amount, and applying the preferential interest rate set to the interest rate processing information in association with a database storing the target interest rate approval target information corresponding to the credit application information and the It is to provide an integrated credit approval system having an information transmission means for transmitting the limit amount approval information and interest rate approval information to the branch terminal.

In the integrated credit approval system according to the present invention, in the credit approval system of the corporate customer that the limit approval corresponding to the credit application is allotted at the branch, and the interest rate approval is allotted at the head office, the credit application of the corporate customer at the branch terminal When the information is transmitted, information receiving means for receiving the credit request information, credit limit approval means for approving the limit amount corresponding to the credit request information with the branch authority, and upon approval of the limit amount, interrupt the limit amount approval. The main terminal terminal corresponding to the interest rate sequencing right corresponding to the credit application information in association with an interrupt means for storing the interest rate suffrage right information, and transmits the credit application information and the limit amount approval information to the main terminal terminal; Information confirmation means and interest rate processing for each limit amount corresponding to the credit application information at the main terminal; If the transfer rate is approved, the interest rate approval means for applying the preferential interest rate set in the interest rate processing information in association with a database storing the target interest rate approval target information corresponding to the credit application information, but the limit amount And information transmitting means for transmitting the approval information and the interest rate approval information to the point terminal.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following embodiments are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It's just

1 is a diagram showing a face-to-face integrated credit approval system for the operation of limit approval and interest rate approval related to corporate credit in accordance with an embodiment of the present invention.

In more detail, Figure 1 shows that the limit approval corresponding to the predetermined credit application is forwarded at the branch (or branch office), and the interest rate approval is applied to the credit application information at the predetermined branch terminal when the credit application to be forwarded at the main office occurs. If provided, the present invention relates to an integrated credit approval system that processes limit approval and interest rate approval for the credit application in connection with a predetermined branch terminal (or branch office terminal) and a predetermined main terminal terminal and a financial system. Persons having ordinary skill in the art may refer to or modify the drawing 1 to infer various implementation methods for the construction of a financial transaction system for the operation of limit approval and interest rate approval related to corporate credit. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, a corporate customer who creates and submits credit application information in the configuration of the present invention is referred to as a “customer” for convenience, and the credit application information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. A component corresponding to at least one or more means or functional configurations for processing a financial transaction for the operation of limit approval and interest rate approval associated with the corporate credit using the term " credit processing server 105 " In FIG. 1, which provides a financial transaction service, the credit processing server 105 preferably includes at least one branch terminal and a window terminal including a main terminal terminal and an account system on a financial system connected through a predetermined financial network. However, FIG. 1 shows the credit processing server 105 for convenience of description. Although it is shown as a ledger server between the window terminal and gyejeonggye including a terminal and a head office terminal, to which the present invention is not limited.

Referring to FIG. 1 according to an embodiment of the present invention, a financial transaction system for the operation of limit approval and interest rate approval related to the corporate credit is provided at a window such as a branch terminal and a main terminal terminal provided in at least one branch of a financial institution. The financial transaction terminal 100 including the terminal and the financial network (eg, our network) to which the financial transaction terminal 100 is connected, and connected to the financial transaction terminal 100 through the financial network and the corporate credit It is characterized in that it comprises a credit processing server 105 for processing a financial transaction for the operation of the relevant limit approval and interest rate approval, and a financial system opened a credit account for credit transactions.

The financial system that processes at least one financial transaction service through the credit account associated with the credit processing server 105 includes at least one window terminal and a predetermined financial network provided at a branch (or a branch) of the financial institution. It is characterized in that connected through (eg, our network), and provides a financial transaction service of the face-to-face manner for at least one financial transaction customer through the window terminal.

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, a CD common network), The financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE) connected to a TCP / IP-based backbone network through the Internet banking server At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to an 802.16x-based portable Internet, etc., and the wireless LAN / portable Internet access and browsing function are provided. A non-face-to-face financial transaction service to at least one financial transaction customer through a laptop or mobile terminal).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to the above-mentioned wired communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)). Etc.) provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 1, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. In addition, the accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or teller), the information system for processing the main office business, branch information support and customer information management; Interconnection between a financial system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, etc.) Access to the financial system from telebanking, TV banking, etc.), or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function performed in the components of the financial system and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment banking module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details of the system, a detailed description thereof will be omitted for convenience, and thus the present invention is not limited.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one credit ledger for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. Information (e.g., customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each credit ledger information (e.g., to further refine or supplement each ledger's attributes / functions) The credit card ledger information is the credit system It characterized in that it comprises a predetermined account ledger corresponding to the left.

Those skilled in the art to which the present invention pertains include at least one credit ledger information and each credit ledger information provided in the ledger D / B according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information corresponding to each other, each credit ledger information is linked and stored in a relational form, or predetermined credit ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored, detailed description thereof will be omitted for convenience.

According to the implementation method of the present invention, the customer visits the financial institution branch for the operation of the limit approval and interest rate approval related to the corporate credit, and through the window provided at the financial institution branch (or through the clerk) Prepare a prescribed application for the application of limit approval and interest rate approval related to the corporate credit (for example, a document with a form for filling in at least one information item for the operation of the limit approval and interest rate approval related to the business credit) When the completed application is submitted to the teller, the teller enters (or selects) the customer information and the credit application amount information written in the application through a predetermined point teller terminal (hereinafter referred to as a branch terminal), and The branch teller terminal reminds the credit application information including at least one of the inputted (or selected) customer information and credit application amount information. It is preferable to transmit to the credit processing server 105 provided on the financial transaction system through a financial network.

Here, the financial transaction terminal 100 preferably comprises a branch terminal used by the teller provided in the branch of the financial institution, the credit processing server 105 connected to the branch terminal is on the predetermined financial system It is preferable to include a ledger server provided in the, the financial network connecting the teller terminal and the credit processing server 105 is a branch network connecting the communication channel between the branch terminal and the credit processing server 105 It is preferable to comprise.

In the financial transaction system as described above, an application prepared by the customer, a branch terminal used by the teller, and a financial network connecting the branch terminal and the credit processing server 105 are associated with the corporate credit. It functions as a financial transaction interface for registering credit application information for limit approval and interest rate approval.

The credit application information transmitted from the financial transaction terminal 100 to the credit processing server 105 for the operation of limit approval and interest rate approval related to the corporate credit includes at least predetermined customer information and credit application amount information. Characterized in that it comprises one or more.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). Member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the [credit account] opening system in response to the customer, and the current financial state. It is preferable to include at least one or more.

The credit application amount information is composed of information such as the type of credit (or credit product), credit application amount, credit usage, credit hope date, credit hope point, etc. with respect to the credit that the customer applies to the branch terminal. It is done.

According to the implementation method of the present invention, the credit processing server 105 confirms the application amount information, and then approves the credit limit of the customer in connection with the customer information, the basis for adjusting or confirming the interest rate according to the credit The application amount information is used for the purpose of information.

The credit processing server 105 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 100 through a predetermined financial network, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the financial transaction terminal 100 is a window terminal connected to a predetermined financial network, the credit processing server 105 may be connected to a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server provided in, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the credit processing server 105 is provided with an interface unit 110 for connecting and managing the predetermined transaction channel with the financial transaction terminal 100 through the financial network. do.

According to an embodiment of the present invention, when the financial transaction terminal 100 is a window terminal connected to a predetermined financial network, the interface unit 110 is connected to the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, the credit processing server 105 connects a communication channel with a predetermined financial transaction terminal 100 to the credit processing server 105 through the interface unit 110, or connects the communication channel. When requesting a financial transaction for the operation of limit approval and interest rate approval related to the corporate credit through, input (or select) predetermined credit application information in the financial transaction terminal 100 in conjunction with the interface unit 110 And an interface providing unit 115 for generating (or extracting) a predetermined user interface to be transmitted to the financial transaction terminal 100, and providing the user interface to the financial transaction terminal 100. If a predetermined terminal-side banking program including a, the interface providing unit 115 is preferably omitted.

The interface providing unit 115 has a predetermined financial transaction terminal 100 connects the communication channel with the credit processing server 105 through the interface unit 110 or is associated with the corporate credit through the communication channel. When requesting a financial transaction for the operation of limit approval and interest rate approval, the credit processing server is input through the credit network by inputting (or selecting) the credit application information corresponding to the functional configuration provided in the financial transaction terminal 100. Generate a predetermined user interface that can be transmitted to 105 or extract it from a predetermined database (not shown), and link the generated network interface to the financial network in conjunction with the interface unit 110. It is characterized in that provided through the financial transaction terminal (100).

According to an embodiment of the present invention, when the financial transaction terminal 100 is a window terminal connected to a predetermined financial network, the interface providing unit 115 may provide a financial transaction-related program provided in the window terminal. It is preferable to generate (or extract) a user interface of the and provide the generated (or extracted) user interface to the window terminal through the interface unit 110.

According to another embodiment of the present invention having at least one user interface for inputting (or selecting) the credit application information to the financial transaction terminal 100 and transmitting the credit application information to the credit processing server 105 through the financial network. When a predetermined terminal-side banking program is provided, the interface providing unit 115 for providing the user interface to the financial transaction terminal 100 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface includes an interface function for inputting (or selecting) credit request information including at least one of customer information and credit request amount information and transmitting the credit request information to the credit processing server 105. It is preferable to comprise.

Referring to FIG. 1, the credit processing server 105 inputs (or selects) credit application information including at least one of customer information and credit application amount information from the financial transaction terminal 100 through the user interface. And the information receiving unit 120 (or information receiving means) for receiving the credit request information including at least one of the customer information and credit request amount information in association with the interface unit 110 and the reception. Validation unit 130 for confirming the validity of the customer information and credit application amount information included in the credit application information, and information for checking whether the limit approval or interest rate approval of the credit products included in the credit application information A verification unit 135, and generates predetermined financial transaction result information on the financial transaction for the operation of limit approval and interest rate approval related to the corporate credit; An information transmitter 125 for transmitting the financial transaction result information to the financial transaction terminal 100 in association with an e-mail unit 110 and a credit limit approval unit 140 for determining a credit amount to be provided to a customer (or Credit limit approval means) and the branch approval interrupt unit 145 (or interrupt means) for limiting the authority to process interest rate approval after the limit approval on the credit application information, and transmitting the credit application information to the main office; The main interest rate information receiving unit 150 for receiving interest rate processing information for each predetermined limit amount transmitted from the terminal of the main terminal, an interest rate approval processing unit for approving interest rates for each limit corresponding to the credit application information, and a limit approved and a rate approval It is characterized by comprising a credit approval processing unit 160 for processing a credit transaction corresponding to the application information.

The financial transaction terminal 100 inputs (or selects) credit application information including at least one of the customer information and credit application amount information through the user interface and the credit processing server 105 through the financial network. It characterized in that the transmission to.

The information receiving unit 120 inputs (or selects) credit information including at least one or more customer information and credit application amount information through the user interface in the financial transaction terminal 100 and transmits it through the financial network. In this case, the credit application information is received in connection with the interface unit 110, and the received credit application information is provided to the validity check unit 130.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). Member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the [credit account] opening system in response to the customer, and the current financial state. It is preferable to include at least one or more.

The application amount information is characterized by consisting of information such as the type of credit (or credit product), credit application amount, credit usage date, credit hope date, credit hope point, etc. do.

According to the implementation method of the present invention, the credit processing server 105 confirms the application amount information, and then approves the credit limit of the customer in connection with the customer information, the basis for adjusting or confirming the interest rate according to the credit The application amount information is used for the purpose of information.

The validity verification unit 130 is characterized in that whether the credit application information received from the financial transaction terminal 100 satisfies the validity for the operation of the limit approval and interest rate approval related to the corporate credit.

According to one embodiment of the present invention, the validity check of the credit application information is the account ledger (or the credit account) for the financial account corresponding to the customer information included in the credit application information in the ledger D / B on the financial system It is preferable to include whether the corresponding customer ledger) is provided, and when the account ledger (or the customer ledger corresponding to the credit account) is provided, it is preferable that the validity of the credit application information is authenticated. Do.

According to another exemplary embodiment of the present invention, the validity check of the credit application information may be performed by checking the type of credit included in the application amount information included in the credit application information in the ledger D / B on the financial system. By checking the credit ledger information stored in the DBMS on the system, the type of credit specified in the credit application amount information, that is, the credit product selected by the customer, is based on the credit classification information of the branch of the financial institution where the customer applied for the credit. It is preferable that the validity of the credit application information is verified by checking whether the credit product corresponds to a credit product among the classification categories such as credit credit, housing fund credit, mortgage credit, occupation and qualification credit.

When the validity of the credit application information is confirmed, the information verification unit 135 checks the credit classification information included in the credit ledger information in association with the financial system, and based on the credit classification information, It is characterized by checking whether the included credit product is a credit product that requires a limit approval or the interest rate approval based on the credit classification.

According to the implementation method of the present invention, the information check unit 135 checks the credit application information submitted by the customer, based on the type of the credit included in the credit application information, the credit product to be credited by the customer After confirming whether the information is included in the credit classification information, whether the approval to be applied to the credit application information is subject to the limit approval of the branch (or branch) of the financial institution to which the customer has subscribed, or the interest rate of the head office of the financial institution to which the customer has subscribed. It is characterized by checking whether the approval is applied.

According to another embodiment of the present invention, if the information confirmation unit 135 is a credit product that can not confirm whether the credit product included in the credit application information is applied to limit approval or interest rate approval, it does not belong to any credit product classification. If not, the credit application information is preferably processed by the credit approval processing unit.

When the information confirming unit 135 confirms the approval to be applied to the credit application information, the credit limit approval unit 140 based on the approval information confirmed by the information checking unit 135, the credit amount to be provided to the customer Characterized in determining.

According to the exemplary embodiment of the present invention, the credit limit approval unit 140 confirming the type of approval to be applied to the credit application information by the information verification unit 135 is based on the approval to be applied to the credit application information. After confirming the information related to the customer according to the attribute of the credit product specified in the application information, it is characterized in that the credit amount to be provided to the customer.

For example, when the credit is a credit, the credit limit approval unit 140 checks the credit information of the customer in association with an external credit information server (not shown), and then based on the credit information inquiry result, the credit of the customer. It is advisable to determine the credit amount specified in the application information.

In addition, when the credit is a collateral loan, the credit limit approval unit 140 confirms the credit information (not shown) of the credit information of the customer collateral information in connection with an internal financial institution or an external asset valuation institution. Next, it is preferable to determine the credit amount specified in the credit application information of the customer based on the collateral evaluation information.

For example, when it is determined that the credit limit amount of the customer does not exist, the credit limit approval unit 140 does not approve the credit amount requested by the customer through the credit application information, and the credit limit of the customer is not provided. If an amount exists and the credit limit amount is greater than the credit amount requested by the customer, the credit limit approval unit 140 approves the provision of the credit amount to the customer, and the credit limit amount of the customer exists. And, if the credit limit amount is less than the credit amount requested by the customer, the credit limit approval unit 140 further includes a process for adjusting the provision of the credit amount to the customer credit request requested by the customer It is characterized by determining whether to approve the provision of the amount.

In addition, when the credit limit amount of the customer is present, and the credit limit amount is less than the credit amount requested by the customer, the credit limit approval unit 140 adjusts the provision of the credit amount to the customer. The credit limit approval unit 140 sends credit amount adjustment request information to a branch terminal (or a branch office terminal), checks the credit amount adjustment request information from the branch terminal, and then adjusts the credit processing server 105. When the credit amount information is transmitted, the credit limit approval unit 140 further checks the adjusted credit amount information to approve the provision of the credit amount based on the adjusted credit amount information. do.

When the credit limit approval unit 140 provides the credit application information including the credit amount of the customer approved by the credit limit approval unit 140 to the branch terminal (or branch terminal) through the financial network, The branch approval interrupting unit 145 blocks all input information input to the credit processing server 105 from the branch terminal in connection with the credit application information, and performs all processing rights of interest rate approval for the credit application information. It is allowed to limit to the main office terminal, characterized in that the transfer of the credit application information of the customer has been processed the limit approval to the main office terminal.

According to the method of the present invention, the point approval interrupt unit 145 confirms the credit amount approval process for the credit application information and at the same time the branch terminal accesses the credit processing server 105 to receive the credit application information. The information processing authority related to the credit application information after the completion of the interest rate approval process for the credit application information by allowing the processing of the credit application information by closing the information processing authority related to the credit card and restricting the head office terminal While allowing the processing right, it is preferable to limit the information processing right in all the branch terminals except the main terminal terminal until the interest rate approval process is terminated.

After all information processing rights related to the credit application information are restricted from the branch terminal to the main terminal by the processing of the branch approval interrupting unit, the main store interest rate information receiving unit 150 processes the interest rate approval of the credit application information. It is characterized in that for receiving the interest rate processing information for each limit amount sent from the main terminal.

The interest rate approval processing unit 155 approves the interest rate by limit for the credit application information requested by the customer in connection with the main office terminal, and then the interest rate approval corresponding to the credit application information which is generated information according to the interest rate approval process. The information is stored in a predetermined D / B.

For example, the interest rate approval processing unit 155 checks the credit application information including information on the credit amount determined to provide credit through the credit limit approval unit 140, and then based on the credit application information. Interest rate approval is processed by linking customer information, credit limit amount information, credit amount information, and interest rate processing information for each limit amount provided by the terminal, and generates interest rate approval information including approved interest rate information. And interest rate processing information including at least one piece of information, the credit limit amount information, the credit amount information, and the interest rate approval information, and storing the interest rate processing information in a predetermined D / B provided on the financial system. do.

In addition, the interest rate approval processing unit 155 in the process of processing the interest rate approval of the credit amount provided to the customer based on the credit application information presented by the customer, the credit amount information and the credit limit amount The method may further include verifying validity of the relationship between the credit limit amount and the credit amount information by comparing the information.

Thereafter, the information transmitting unit 125 transmits the interest rate processing information processed by the coin approval processing unit to the branch terminal (or the branch terminal), and the branch terminal (or the branch terminal) confirms the interest rate approval information, When the approval information is generated and transmitted to the credit processing server 105, the credit approval processing unit checks the branch approval information and associates with the branch terminal (or a sales terminal) based on the interest rate processing information. A credit related process including account transfer of credit amount to be provided to a customer is performed.

Those skilled in the art to which the present invention pertains will clearly understand the business process contents and features related to general credit-related processing generally performed in financial institutions, and thus the detailed description thereof will be omitted for convenience.

Figure 2 is interest rate approval information stored in the interest rate processing information D / B linked to the ledger D / B of the DBMS on the financial system in a face-to-face manner for the operation of limit approval and interest rate approval related to corporate credit in accordance with an embodiment of the present invention It is a figure which shows a structure.

More specifically, FIG. 2 illustrates an interest rate provided in connection with the ledger D / B when the storage medium shown in FIG. 1 is interest rate processing information D / B associated with the ledger D / B provided in the DBMS on the financial system. An information structure for an implementation method of storing interest rate vesting right information, interest rate application progress information, and interest rate operation information including at least one preferential interest rate approval target information in the processing information D / B is shown. Those skilled in the art will be able to infer various information construction methods for storing the interest rate operation information in the ledger D / B by referring to or modifying the drawing 2, but the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the credit ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and a credit ledger (for example, credit) associated with the customer ledger Ledger, account ledger, etc.) and at least one information associated with the credit ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger provided in the DBMS on the financial system / B further includes at least one ledger (eg, ledger, mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and credit ledger shown in FIG. It will be clearly understood that this is the case, and you will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. .

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes credit ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the credit ledger is linked in relation to the customer ledger, credit number, CIF number, collateral, credit, consultation number, approval number, approval application number, execution date, principal repayment method, interest repayment method, interest repayment Period, after-sales management code, repayment amount (principal), repayment amount (interest), business fund number, etc., and at least one, including credit number, approval number, approval history, approval application number, It includes an approval history including at least one approver, and a credit transaction history including at least one credit number, a transfer date, a transfer amount, and a transfer registration number corresponding to the account ledger.

Here, the approval details are connected in a relational form with the approval application, including credit number, approval number, approval application number, consultation number, application details, and the approval application details are credit number, approval number, approval application number, consultation It consists of counseling history including number and application amount and relation type.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the credit reporter and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the interest rate management information provided through the financial transaction system shown in FIG. 1 is stored in the form of additional information added to the credit ledger, and the interest rate management information includes interest rate settlement rights information; At least one interest rate application status information, and the preferential rate approval target information is characterized in that it comprises a.

In addition, in the credit ledger information, in addition to the interest rate operation information, the interest rate processing information generated through the process of the interest rate approval processing unit 155 is characterized in that the additional storage.

The credit ledger information may further include all financial transaction terminal 100 information including the main office terminal and the branch terminal in addition to the interest rate processing information.

The interest rate suffrage right information is the head office which will finalize the credit processing of the customer in the process of transmitting the interest rate approval information generated through the interest rate approval process of the interest rate approval processing unit to the main office terminal. It serves as a base information for transmitting the interest rate approval information to the terminal of the employee.

The interest rate progress information is characterized in that it serves to display the interest rate progress status regarding the credit processing of the customer.

For example, the interest rate progress information is processed by the information receiving unit 120 to receive the credit request information of the customer, and processed by the validity confirming unit 130 to confirm the validity of the credit request information. And checking whether the credit limit for the credit application information is approved by the credit limit approval unit 140, and whether the interest rate is approved for the interest rate that is processed by the interest rate approval processing unit and applied to the credit of the customer. Checking the progress status of each step for the step of confirming, and whether the credit processing such as credit amount account transfer for the credit is processed in the credit approval processing unit 160, and received in the process of each step Or constructing the interest rate progress information corresponding to the credit rate progress status for the credit application by linking the transmitted information. It shall be.

The preferential interest rate approval object information may serve as the base information that enables the interest rate approval processing unit 155 to calculate the interest rate approval information, and then calculate the base rate according to the interest rate specified in the interest rate approval information.

For example, when the interest rate approval processing unit calculates the interest rate applied to the credit amount to be provided to the customer, the special condition of the customer, that is, the preferential customer when the customer corresponds to the superior customer of the branch of the financial institution that applied for the credit The interest rate discount may be applied based on interest rate approval information to reflect the benefit in the interest rate applied to the credit amount of the customer.

In addition, if the credit applied by the customer is a special credit, if the interest rate to be applied to the special credit is required to apply an interest rate premium that is higher than the general interest rate, the interest rate premium is applied based on the target interest approval information. It may be possible to allow this to be reflected in the interest rate applied to the customer's credit amount.

According to another embodiment of the present invention, the interest rate management information is stored in the form of information included in the credit card (not shown), or additional information added to other ledgers (for example, customer ledger) other than the credit card It is possible to be stored in the form, or in the form of information contained in other ledgers (for example, customer ledger) other than the credit ledger, whereby the present invention is not limited.

3A, 3B, and 3C illustrate a process of registering information for limit approval and interest rate approval related to corporate credit in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIG. 3 shows a case in which the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the terminal connects to the credit processing server 105 to connect a communication channel for the financial transaction, the terminal including the customer information and credit application amount information to the credit processing server 105 through the communication channel. When the credit application information is transmitted, the credit processing server 105 uses the customer information included in the received credit application information and information for operating the limit approval and interest rate approval related to the corporate credit using the credit application amount information. As a practice of providing a registration and processing of the present invention, those of ordinary skill in the art to which the present invention belongs, Various implementation methods for the process of processing the financial transaction for the operation of the limit approval and interest rate approval related to the corporate credit in the face-to-face manner can be inferred, but the present invention includes all the implementation methods inferred above, It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

The terminal shown in FIG. 1 connects the communication channel for at least one financial transaction with the server through the financial network, and provides customer information and credit application amount for the operation of limit approval and interest rate approval related to the corporate credit. A user interface for inputting (or selecting) credit application information including at least one information is output.

Subsequently, a predetermined application (eg, a form for filling in at least one information item for operation of limit approval and interest rate approval related to the corporate credit) from the customer includes at least one of the customer information and credit application amount information. Is prepared and submitted), the terminal inputs (or selects) credit application information including at least one of the customer information and credit application amount information included in the application through the user interface, The credit application information including at least one of the customer information and the credit application amount information is transmitted to the server through a financial network connecting the terminal and the server.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). Member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the [credit account] opening system in response to the customer, and the current financial state. It is preferable to include at least one or more.

The application amount information is composed of information such as the type of credit (or credit product), credit application amount, credit usage, credit hope date, credit hope point, etc. with respect to the credit that the customer applies to the branch terminal. It is done.

According to the implementation method of the present invention, the credit processing server 105 confirms the application amount information, and then approves the credit limit of the customer in connection with the customer information, the basis for adjusting or confirming the interest rate according to the credit The application amount information is used for the purpose of information.

Thereafter, the server receives and reads credit request information including at least one of the customer information and credit request amount information through the financial network (300), and checks the customer information on the credit request information at the server. In operation 305, the validity of the customer information is confirmed in connection with the financial system.

According to the implementation method of the present invention, the validity check of the credit application information is the account ledger (or the credit account) for the financial account corresponding to the credit account information included in the credit application information in the ledger D / B on the financial system It is preferable to include whether the corresponding customer ledger) is provided, and when the account ledger (or the customer ledger corresponding to the credit account) is provided, it is preferable that the validity of the credit application information is authenticated. Do.

In addition, the validity check of the credit application information is the customer ID recorded in the credit account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the credit account) is recorded in the customer information It is preferable to include whether or not to match the ID, and if the customer ID of the customer information and the credit account is matched, it is preferable that the validity of the credit application information is confirmed.

In addition, the validity check of the credit application information is (or linked) on the account ledger provided in the ledger D / B on the financial system in response to the various passwords and the credit account corresponding to the customer information included in the credit application information (B) comparing the various passwords and confirming that the various passwords corresponding to the customer information match each other. When the various passwords corresponding to the information match, the validity of the credit application information is confirmed. It is preferable.

If the validity of the credit application information is not confirmed (310), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information, and through the financial network The financial transaction result information including the transaction processing history is transmitted to the terminal (315), and a series of financial transactions for the operation of limit approval and interest rate approval related to the corporate credit in a face-to-face manner without further information processing. The process is complete.

On the other hand, if the validity of the credit application information is confirmed (310), the server checks the credit application amount information included in the credit application information, and checks the credit product selected by the customer based on the confirmed credit application amount information 320.

For example, the credit product selectable by the customer may be broadly classified into a credit credit product, a collateral loan product, and other or special credit products, and the credit credit product, a collateral credit product, and other or special credit products. Credit approval processing for credit products is preferably using the credit information for the customer, including the customer credit rating information and the customer rating information of the financial institution that the customer applied for credit.

Thereafter, the server confirms the existence of the credit product selected by the customer through a process of checking and comparing the credit product information stored in the credit ledger information of the financial system with the credit product selected by the customer in association with the financial system. The validity of the credit application amount information included in the credit application information of the customer is checked (325).

If the validity of the credit application amount information requested by the customer is not confirmed (330), the server generates an error message including processing details due to the error of the credit product and inputs the credit application information. It sends to the branch window (315), and completes a series of processes for processing financial transactions for the operation of limit approval and interest rate approval related to corporate credit in a face-to-face manner without further processing of information.

On the other hand, when the validity of the credit application amount information requested by the customer is confirmed (330), the server requests the credit application amount information to the interest rate processing information D / B associated with the DBMS of the financial system associated with the server. After registering, if it is confirmed whether or not the processing of the credit limit approval corresponding to the customer information constituting the credit application information (335), and if the server confirms that the credit limit approval process does not go through the credit application information In operation 340, the server sets a credit limit for the credit application information through a credit limit approval process for the credit application information.

According to an embodiment of the present invention, the server sets the credit limit for the customer information constituting the credit application information, and the approval process of the credit limit set by the server is shown in FIGS. 5 and 6 below. And Figure 7 and Figure 8 will be described in more detail.

Thereafter, if it is determined whether the interest rate approval corresponding to the credit application amount information is processed (345), and the server confirms that the interest rate approval process for the credit application information has not been processed (350), the server Through the processing of the interest rate approval corresponding to the credit application amount information constituting the credit application information, the approved interest rate for the credit application information is applied.

According to an embodiment of the present invention, the process of the server setting the interest rate for the credit application amount information constituting the credit application information, and processing the approval rate set by the server is shown in Figure 9, 10, 11, and 12 will be described in more detail.

On the other hand, when the server confirms that the interest rate corresponding to the credit application information has been approved (350), the server checks whether the credit approval process for the credit amount corresponding to the credit application information is linked with the financial system. If the server does not process the approval for the credit amount corresponding to the credit application information (355), the server approves the credit through the approval processing procedure for the credit amount.

Thereafter, the server checks the type of the credit product corresponding to the credit approval information (390), and when the credit product corresponding to the credit approval information is identified as a credit credit (392), the server performs a predetermined process. After the credit is approved.

According to an embodiment of the present invention, when the server checks the credit application information and the credit product corresponding to the credit application information is a credit credit, the process of approving the credit is shown in FIG. 14, 15, and 16 will be described in more detail.

If the credit product corresponding to the credit approval information checked by the server is not identified as a credit credit (392) and is confirmed as a collateral credit (394), the server approves the secured credit through a predetermined process. Will be processed.

According to an embodiment of the present invention, when the server checks the credit application information and the credit product corresponding to the credit application information is a collateral credit, the process of approving the credit is shown in FIG. 17 as shown below. 18, 19, and 20 will be explained in more detail.

On the other hand, if the credit product corresponding to the credit approval information confirmed by the server is not confirmed as a collateral credit (394), but is confirmed as other credit (396), the server approves the collateral credit through a predetermined process. Will be processed.

According to an embodiment of the present invention, when the server checks the credit application information and the credit product corresponding to the credit application information is another credit, the process of approving the credit is shown in Figure 21, 22 will be explained in more detail.

If the credit product corresponding to the credit approval information checked by the server is not identified as other credit (396) and does not belong to any category, the server generates an error message and transmits the error message to the financial transaction terminal 100. Next (398), a series of processing steps are completed.

If the credit approval process for the credit amount corresponding to the credit application information is confirmed (355), and if the server confirms the approval for the credit amount corresponding to the credit application information (360), the server Checking the customer information corresponding to the credit ledger information of the customer and the credit account of the customer in connection with a financial system (365), and then check whether the customer information and the customer credit account matching (370), the credit A final validation will be made for the customer to receive the amount.

If it is determined that the server matches the customer ID corresponding to the customer information corresponding to the customer ledger information corresponding to the credit ledger information of the customer and the customer ID corresponding to the customer credit account in connection with the financial system (370), the customer information If the match between the credit account and the credit account is confirmed (375), the server transfers the credit amount to the customer credit account, and a series for processing the financial transaction for the operation of limit approval and interest rate approval related to the corporate credit in a face-to-face manner. You will finish the process.

On the other hand, the server checks whether the customer ID corresponding to the customer information corresponding to the customer ledger information corresponding to the customer ledger information and the customer ID corresponding to the customer credit account in connection with the financial system (370), the customer information If the matching between the credit account and the credit account is not confirmed (375), the server generates an error message, transmits the error message to the point terminal where the credit application information is input, and approves the limit related to the corporate credit in a face-to-face manner. This completes a series of processes for processing financial transactions for the operation of interest rate approval.

4A, 4B, and 4C illustrate a process of registering information for limit approval and interest rate approval related to corporate credit in a face-to-face manner according to another embodiment of the present invention.

In more detail, FIG. 4 shows the case where the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on the financial system linked to the counter terminal through a predetermined financial network. After the terminal connects to the credit processing server 105 to connect a communication channel for the financial transaction, the terminal including the customer information and credit application amount information to the credit processing server 105 through the communication channel. When the credit application information is transmitted, the credit processing server 105 uses the customer information included in the received credit application information and information for operating the limit approval and interest rate approval related to the corporate credit using the credit application amount information. As a method of providing a registration and processing of the present invention, those skilled in the art to which the present invention pertains may refer to or modify this drawing. Various implementation methods for the process of processing financial transactions for the operation of limit approval and interest rate approval related to corporate credit in a face-to-face manner may be inferred. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

The terminal shown in FIG. 1 connects the communication channel for at least one financial transaction with the server through the financial network, and provides customer information and credit application amount for the operation of limit approval and interest rate approval related to the corporate credit. A user interface for inputting (or selecting) credit application information including at least one information is output.

Subsequently, a predetermined application (eg, a form for filling in at least one information item for operation of limit approval and interest rate approval related to the corporate credit) from the customer includes at least one of the customer information and credit application amount information. Is prepared and submitted), the terminal inputs (or selects) credit application information including at least one of the customer information and credit application amount information included in the application through the user interface, The credit application information including at least one of the customer information and the credit application amount information is transmitted to the server through a financial network connecting the terminal and the server.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). Member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the [credit account] opening system in response to the customer, and the current financial state. It is preferable to include at least one or more.

The application amount information is characterized by consisting of information such as the type of credit (or credit product), credit application amount, credit usage date, credit hope date, credit hope point, etc. do.

According to the implementation method of the present invention, the credit processing server 105 confirms the application amount information, and then approves the credit limit of the customer in connection with the customer information, the basis for adjusting or confirming the interest rate according to the credit The application amount information is used for the purpose of information.

Thereafter, the server receives and reads the credit application information including at least one of the customer information and the credit application amount information through the financial network (400), and the server requests the credit application amount included in the credit application information. After confirming the information, and confirming the credit product selected by the customer based on the confirmed credit application amount information (420), by confirming the customer information on the credit application information in the server, by linking with the financial system of the customer information Validation is checked (405).

For example, the credit products selectable by the customer may be classified into credit credit products, mortgage products, and other or special credit products, and the credit credit products, mortgage products, and other or special products. Credit approval processing for credit products is preferably using the credit information for the customer, including the customer credit rating information and the customer rating information of the financial institution that the customer applied for credit.

According to the implementation method of the present invention, the validity check of the credit application information is the account ledger (or the credit account) for the financial account corresponding to the credit account information included in the credit application information in the ledger D / B on the financial system It is preferable to include whether the corresponding customer ledger) is provided, and when the account ledger (or the customer ledger corresponding to the credit account) is provided, it is preferable that the validity of the credit application information is authenticated. Do.

In addition, the validity check of the credit application information is the customer ID recorded in the credit account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the credit account) is recorded in the customer information It is preferable to include whether or not to match the ID, and if the customer ID of the customer information and the credit account is matched, it is preferable that the validity of the credit application information is confirmed.

In addition, the validity check of the credit application information is (or linked) on the account ledger provided in the ledger D / B on the financial system in response to the various passwords and the credit account corresponding to the customer information included in the credit application information (B) comparing the various passwords and confirming that the various passwords corresponding to the customer information match each other. When the various passwords corresponding to the information match, the validity of the credit application information is confirmed. It is preferable.

If the validity of the credit application information is not confirmed (410), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information, and through the financial network The financial transaction result information including the transaction processing history is transmitted to the terminal (415), and a series of financial transactions for the operation of limit approval and interest rate approval related to the corporate credit in a face-to-face manner without further information processing. The process is complete.

On the other hand, if the validity of the credit application information is confirmed (410), the server, in connection with the financial system, and checks and contrasts the credit product information stored in the credit ledger information of the financial system and the credit product selected by the customer By checking the existence of the credit product selected by the customer through the check the validity of the credit application amount information included in the credit application information of the customer (425).

If the validity of the credit application amount information requested by the customer is not confirmed (430), the server generates an error message including processing details due to the error of the credit product and inputs the credit application information. It transmits to the branch window (415), and completes a series of processes for processing financial transactions for the operation of limit approval and interest rate approval related to corporate credit in a face-to-face manner without further processing of information.

On the other hand, when the validity of the credit application amount information requested by the customer is confirmed (430), the server requests the credit application amount information to the interest rate processing information D / B associated with the DBMS of the financial system associated with the server. After registering, if it is confirmed whether or not the processing of the credit limit approval corresponding to the customer information constituting the credit application information (435), and the server confirms that the credit limit approval process has not gone through the credit application information In operation 440, the server sets a credit limit for the credit application information through a credit limit approval process for the credit application information.

According to an embodiment of the present invention, the server sets the credit limit for the customer information constituting the credit application information, and the approval process of the credit limit set by the server is shown in FIGS. 5 and 6 below. And Figure 7 and Figure 8 will be described in more detail.

Thereafter, if it is determined whether the interest rate approval corresponding to the credit application amount information is processed (445), and the server confirms that the interest rate approval process for the credit application information is not processed (450), the server determines the Through the processing of the interest rate approval corresponding to the credit application amount information constituting the credit application information, the approved interest rate for the credit application information is applied.

According to an embodiment of the present invention, the process of the server setting the interest rate for the credit application amount information constituting the credit application information and processing the approval rate set by the server are shown in Fig. 9 and Fig. 10, 11, and 12 will be described in more detail.

On the other hand, when the server confirms that the interest rate corresponding to the credit application information has been approved (350), the server checks whether the credit approval process for the credit amount corresponding to the credit application information is linked with the financial system. If the server does not process the approval for the credit amount corresponding to the credit application information (460), the server approves the credit through the approval processing procedure for the credit amount.

Thereafter, when the server checks the type of the credit product corresponding to the credit approval information (390), and if the credit product corresponding to the credit approval information is identified as a credit credit (392), the server processes a predetermined process. The credit credit is processed through the approval.

According to an embodiment of the present invention, when the server checks the credit application information and the credit product corresponding to the credit application information is a credit credit, the process of approving the credit is shown in FIG. 14, 15, and 16 will be described in more detail.

If the credit product corresponding to the credit approval information checked by the server is not confirmed as a credit credit (492), but is confirmed as a collateral credit (494), the server approves the collateral credit through a predetermined process. Will be processed.

According to an embodiment of the present invention, when the server checks the credit application information and the credit product corresponding to the credit application information is a collateral credit, the process of approving the credit is shown in FIG. 17 as shown below. 18, 19, and 20 will be explained in more detail.

On the other hand, if the credit product corresponding to the credit approval information confirmed by the server is not confirmed as a collateral credit (494), but is confirmed as other credit (496), the server approves the collateral credit through a predetermined process. Will be processed.

According to an embodiment of the present invention, when the server checks the credit application information and the credit product corresponding to the credit application information is another credit, the process of approving the credit is shown in Figure 21, 22 will be explained in more detail.

If the credit product corresponding to the credit approval information checked by the server is not identified as other credit (496) and does not belong to any category, the server generates an error message and transmits it to the financial transaction terminal 100. Next (498), a series of processing steps are completed.

Thereafter, if it is determined whether the interest rate approval corresponding to the credit application amount information is processed (445), and the server confirms that the interest rate approval process for the credit application information is not processed (450), the server determines the Through the processing of the interest rate approval corresponding to the credit application amount information constituting the credit application information, the approved interest rate for the credit application information is applied.

According to an embodiment of the present invention, the process of the server setting an interest rate for the credit application amount information constituting the credit application information, and processing the approval rate set by the server is described with reference to FIG. I will explain in detail.

On the other hand, when the server confirms that the interest rate corresponding to the credit application information is approved (450), the server checks whether the credit approval process for the credit amount corresponding to the credit application information is linked with the financial system. If the server does not process the approval for the credit amount corresponding to the credit application information (460), the server approves the credit through the approval processing procedure for the credit amount.

According to an embodiment of the present invention, the process of processing the credit approval for the credit application amount information constituting the credit application information by the server will be described in more detail with reference to FIG. 4 shown below.

If it is confirmed whether or not the credit approval processing for the credit amount corresponding to the credit application information (455), when the server confirms the approval for the credit amount corresponding to the credit application information (460), the server Check the customer information corresponding to the credit ledger information of the customer and the credit account of the customer in connection with a financial system (465), and then check whether the customer information and the customer credit account match (470), the credit A final validation will be made for the customer to receive the amount.

If it is determined that the server matches the customer ID corresponding to the customer information corresponding to the customer ledger information corresponding to the credit ledger information of the customer and the customer ID corresponding to the customer credit account in connection with the financial system (470), the customer information If the matching between the credit account and the credit account is confirmed (475), the server transfers the credit amount to the customer credit account and processes the financial transaction for operating the limit approval and interest rate approval related to the corporate credit in a face-to-face manner. This completes the process.

On the other hand, the server checks whether the customer ID corresponding to the customer information corresponding to the customer ledger information and the customer ID corresponding to the customer credit account in connection with the financial system (470), the customer information If the matching between the credit account and the credit account is not confirmed (475), the server generates an error message, transmits the error message to the point terminal where the credit application information is input, and accepts the limit associated with the corporate credit in a face-to-face manner. This completes a series of processes for processing financial transactions for the operation of interest rate approval.

5 is a diagram illustrating a process of processing information for processing and operating a limit approval associated with a corporate credit in a face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, FIG. 5 shows the case where the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on the financial system linked to the counter terminal through a predetermined financial network. After the terminal connects to the credit processing server 105 to connect a communication channel for the financial transaction, the terminal including the customer information and credit application amount information to the credit processing server 105 through the communication channel. When the credit application information is transmitted, the credit processing server 105 sets the corporate credit limit using the customer information included in the received credit application information and the credit application amount information, and approves the corporate credit limit. As an embodiment of the present invention for those skilled in the art to which the present invention pertains, the present invention may be referred to or modified in the face-to-face manner. Various implementation methods may be inferred for the process of processing a financial transaction for processing corporate credit limit setting and approval, but the present invention includes all the implementation methods inferred above, and the implementation method illustrated in FIG. It is not limited.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

In order to set a credit limit of the credit amount corresponding to the credit application information, the server checks the customer information and the credit amount information corresponding to the credit application information (500), and then connects with the customer information. Information about the type of residence, education, personal information, occupation, and current workplace of the client is classified and identified (500).

For example, the type of residence of the customer grasps the property ownership of the customer and uses it as the information corresponding to the security setting. It is preferable to use as information corresponding to evaluation.

Thereafter, the server checks the credit rating grade and the credit rating information corresponding to the customer information in connection with the financial system (510), and calculates a customer rating score based on the customer information and the customer's credit rating information confirmed by the server. Done.

For example, the credit rating grade corresponding to the customer information is calculated by a predetermined calculation method by checking data extracted from an external credit rating agency or data confirmed through internal contact of the credit rating agency, and then It is desirable to use it to set credit limits.

Thereafter, when the server calculates a customer evaluation score corresponding to the customer information and the calculated credit rating information of the customer (515), the server calculates a credit limit amount corresponding to the customer evaluation score calculated in connection with the financial system. In operation 520, the branch terminal requests the approval of the credit limit amount calculated by the server.

Thereafter, the branch terminal confirming the approval request for the credit limit amount calculated by the server determines the credit limit amount, and then determines whether to approve the previously calculated credit limit amount corresponding to the calculated customer evaluation score. In operation 530, if the credit limit amount is not approved, the credit limit amount presented by the server is not approved by the branch terminal that has the vesting right to approve the credit limit amount (535). When the branch terminal generates processing history processing the approval of the credit limit amount calculated by the server, and transmits the generated processing history to the server (545), the server sends the credit limit approval processing history sent by the branch terminal. After confirming, the customer credit section is transmitted in a face-to-face manner by transmitting the processing of the approval to the branch terminal where the customer submitted the credit application (550). It will finish the series of processes for handling financial transactions for the management of ryeondoen limit approval and approval rates.

On the other hand, in the approval of the credit limit amount, when the credit limit amount presented by the server is approved in the branch terminal that has the voting right to approve the credit limit amount (535), the branch terminal receives the approval process. After the approval process for the credit limit amount is transmitted to the server (540), the server checks the credit limit approval process sent by the branch terminal, and then the client sends the credit application to the corresponding branch terminal. By transmitting the processing details on the approval (550), a series of processes for processing the financial transaction for the operation of limit approval and interest rate approval associated with the corporate credit in a face-to-face manner.

6 is a diagram illustrating a process of processing information for processing and operating a limit approval associated with a corporate credit in a face-to-face manner according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates a case in which the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the terminal connects to the credit processing server 105 to connect a communication channel for the financial transaction, the terminal including the customer information and credit application amount information to the credit processing server 105 through the communication channel. When the credit application information is transmitted, the credit processing server 105 sets the corporate credit limit by using the customer information included in the received credit application information and the credit application amount information, and approves the corporate credit limit. As an embodiment of the present invention to those skilled in the art to which the present invention pertains, the present invention is referred to or modified with reference to FIG. Various implementation methods may be inferred for the process of processing a financial transaction for processing business credit limit setting and approval, but the present invention includes all the implementation methods inferred above, and the implementation method illustrated in FIG. It is not limited.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

In order to set the credit limit of the credit amount corresponding to the credit application information, the server checks the customer information corresponding to the credit application information, and then in connection with the customer information, the type of residence, education and In addition, information on personal information, occupations, and current workplaces will be categorized and identified (600).

For example, the type of residence of the customer grasps the property ownership of the customer and uses it as the information corresponding to the security setting. It is preferable to use as information corresponding to evaluation.

Thereafter, the server checks the credit amount information corresponding to the credit application information, and then checks the credit rating grade and the credit rating information corresponding to the customer information in connection with the financial system (610), and confirmed by the server. The customer score is calculated based on the customer information and the customer's credit rating information.

For example, the credit rating grade corresponding to the customer information is calculated by a predetermined calculation method by checking data extracted from an external credit rating agency or data confirmed through internal contact of the credit rating agency, and then It is desirable to use it to set credit limits.

Thereafter, when the server calculates a customer evaluation score corresponding to the customer information and the calculated credit rating information of the customer (615), the server calculates a credit limit amount corresponding to the customer evaluation score calculated in connection with the financial system. In operation 620, the credit terminal calculates the credit limit amount calculated by the server to request the branch terminal.

Thereafter, the branch terminal confirming the approval request for the credit limit amount calculated by the server determines the credit limit amount, and then determines whether to approve the previously calculated credit limit amount corresponding to the calculated customer evaluation score. In operation 630, if the credit limit amount is not approved, if the credit limit amount presented by the server is not approved by the branch terminal having the vesting right to approve the credit limit amount (635), The branch terminal generates processing history processing the approval of the credit limit amount calculated by the server, and if the generated processing history is transmitted to the server (645), the server receives the credit limit approval processing history sent by the branch terminal. After confirming, the client transmits the processing information on the approval status to the corresponding branch terminal where the customer submitted the credit application (650) and associated with the corporate credit in a face-to-face manner. A series of procedures for dealing with financial transactions for limit approval and interest rate approval are completed.

On the other hand, in the approval of the credit limit amount, when the credit limit amount presented by the server is approved in the branch terminal that has the voting right for the credit limit amount approval (635), the branch terminal receives the approval process. After the approval process for the credit limit amount is sent to the server (640), the server checks the credit limit approval process sent by the branch terminal, and then the client sends the credit application to the corresponding branch terminal. By transmitting the processing details on the approval (650), a series of processes for processing the financial transaction for the operation of the limit approval and interest rate approval associated with the corporate credit in a face-to-face manner.

7 is a diagram illustrating a process of processing information for processing and operating a limit approval associated with a corporate credit in a face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, FIG. 7 illustrates a case in which the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the terminal connects to the credit processing server 105 to connect a communication channel for the financial transaction, the terminal including the customer information and credit application amount information to the credit processing server 105 through the communication channel. When the credit application information is transmitted, the credit processing server 105 sets the corporate credit limit by using the customer information included in the received credit application information and the credit application amount information, and approves the corporate credit limit. As an embodiment of the present invention to those skilled in the art to which the present invention pertains, the present invention is referred to or modified with reference to FIG. Various implementation methods may be inferred for the process of processing a financial transaction for processing business credit limit setting and approval, but the present invention includes all the implementation methods inferred above, and the implementation method illustrated in FIG. It is not limited.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

In order to set a credit limit of the credit amount corresponding to the credit application information, the server checks the customer information and the credit amount information corresponding to the credit application information (700) and then connects the customer information to the credit information. Information about the type of residence, education, personal information, occupation, and current workplace of the client is classified and identified (705).

For example, the type of residence of the customer grasps the property ownership of the customer and uses it as the information corresponding to the security setting. It is preferable to use as information corresponding to evaluation.

Thereafter, the server checks the credit rating and collateral evaluation information corresponding to the customer information in connection with the financial system (710), and calculates a customer evaluation score based on the customer information and the customer's credit rating information identified in the server. Will be calculated.

For example, the credit rating grade corresponding to the customer information is calculated by a predetermined calculation method by checking data extracted from an external credit rating agency or data confirmed through internal contact of the credit rating agency, and then It is desirable to use it to set credit limits.

Subsequently, when the server calculates a customer evaluation score corresponding to the customer information and the calculated customer's collateral evaluation information (715), the server calculates a credit limit amount corresponding to the customer evaluation score calculated in connection with the financial system. In operation 720, the branch terminal requests the approval of the credit limit amount calculated by the server.

Thereafter, the branch terminal confirming the approval request for the credit limit amount calculated by the server determines the credit limit amount, and then determines whether to approve the previously calculated credit limit amount corresponding to the calculated customer evaluation score. 730, in the approval of the credit limit amount, if the branch terminal having the vesting right to approve the credit limit amount does not approve the credit limit amount presented by the server (735), The branch terminal generates processing history processing the approval of the credit limit amount calculated by the server, and transmits the generated processing history to the server (745), and the server sends the credit limit approval process sent by the branch terminal. After confirming, the customer credit section is transferred in a face-to-face manner by transmitting the processing of the approval to the branch terminal where the customer submitted the credit application (750). It will finish the series of processes for handling financial transactions for the management of ryeondoen limit approval and approval rates.

On the other hand, in the approval of the credit limit amount, when the credit limit amount presented by the server is approved by the branch terminal that has the vesting right to approve the credit limit amount, the branch terminal receives the approval process. After the approval process for the credit limit amount is transmitted to the server (740), the server checks the credit limit approval process transmitted by the branch terminal, and then the client sends the credit application to the corresponding branch terminal. By sending the processing details on the approval (750), a series of processes for processing the financial transaction for the operation of limit approval and interest rate approval associated with the corporate credit in a face-to-face manner.

8 is a diagram illustrating a process of processing information for processing and operating a limit approval associated with a corporate credit in a face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, FIG. 8 shows the case where the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on the financial system linked to the counter terminal through a predetermined financial network. After the terminal connects to the credit processing server 105 to connect a communication channel for the financial transaction, the terminal including the customer information and credit application amount information to the credit processing server 105 through the communication channel. When the credit application information is transmitted, the credit processing server 105 sets the corporate credit limit by using the customer information included in the received credit application information and the credit application amount information, and approves the corporate credit limit. As an embodiment of the present invention to those skilled in the art to which the present invention pertains, the present invention can be referred to or modified with reference to FIG. Various implementation methods may be inferred for the process of processing a financial transaction for processing corporate credit limit setting and approval, but the present invention includes all the implementation methods inferred above, and the implementation method illustrated in FIG. It is not limited.

Hereinafter, in FIG. 8, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

In order to set the credit limit of the credit amount corresponding to the credit application information, the server is connected to the customer information corresponding to the credit application information, the customer's type of residence, education and personal information in connection with the customer information. Information about the department, occupation, and current workplace is classified and identified (800).

For example, the type of residence of the customer grasps the property ownership of the customer and uses it as the information corresponding to the security setting. It is preferable to use as information corresponding to evaluation.

Thereafter, the server checks the credit amount information corresponding to the credit application information (805), then checks the credit rating grade and collateral evaluation information corresponding to the customer information in association with the financial system (810), and in the server The customer score is calculated based on the confirmed customer information and the customer's credit rating information.

For example, the credit rating grade corresponding to the customer information is calculated by a predetermined calculation method by checking data extracted from an external credit rating agency or data confirmed through internal contact of the credit rating agency, and then It is desirable to use it to set credit limits.

Subsequently, when the server calculates a customer evaluation score corresponding to the customer information and the calculated customer's collateral evaluation information (815), the server calculates a credit limit amount corresponding to the customer evaluation score calculated in connection with the financial system. In operation 820, the branch terminal requests the approval of the credit limit amount calculated by the server.

Thereafter, the branch terminal confirming the approval request for the credit limit amount calculated by the server determines the credit limit amount, and then determines whether to approve the previously calculated credit limit amount corresponding to the calculated customer evaluation score. In operation 830, in the approval of the credit limit amount, if the branch terminal having the vesting right to approve the credit limit amount does not approve the credit limit amount presented by the server (835), The branch terminal generates processing history processing the approval of the credit limit amount calculated by the server, and if the generated processing history is transmitted to the server (845), the server receives the credit limit approval processing history sent by the branch terminal. After confirming, the client credits department in a face-to-face manner by transmitting the processing of the approval to the branch terminal where the customer submitted the credit application (850). It will finish the series of processes for handling financial transactions for the management of ryeondoen limit approval and approval rates.

On the other hand, in the approval of the credit limit amount, when the credit limit amount presented by the server is approved by the branch terminal that has the voting right to approve the credit limit amount (835), the branch terminal receives the approval process. After the approval process for the credit limit amount is sent to the server (840), the server checks the credit limit approval process sent by the branch terminal, and then the client sends the credit application to the corresponding branch terminal. By sending the processing details on the approval (850), a series of processes for processing the financial transaction for the operation of limit approval and interest rate approval associated with the corporate credit in a face-to-face manner.

9 is a diagram illustrating a process of processing information for processing and operating a credit rate related to a corporate credit in a face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, FIG. 9 illustrates a case in which the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the terminal connects to the credit processing server 105 to connect a communication channel for the financial transaction, the terminal including the customer information and credit application amount information to the credit processing server 105 through the communication channel. When the credit application information is transmitted, the credit processing server 105 sets the credit rate using the customer information included in the received credit application information and the credit application amount information, and approves the corporate credit rate. The present invention relates to a method of processing, and a person of ordinary skill in the art to which the present invention pertains refers to the present invention by referring to or modifying the drawing of FIG. Various implementation methods may be inferred for the process of processing a financial transaction to process new interest rate setting and approval, but the present invention includes all implementation methods inferred above and is limited to the implementation method shown in FIG. Not.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

In order to set a credit rate of the credit amount corresponding to the credit application information, the server checks the customer information, the credit limit amount, and the credit amount information corresponding to the credit application information (900), and then the customer information. In connection with the information, the client's type of residence, educational background, personal information, occupation, and current workplace information are classified and identified (905).

For example, the type of residence of the customer grasps the property ownership of the customer and uses it as the information corresponding to the security setting. It is preferable to use as information corresponding to evaluation.

Thereafter, the server checks the credit rating grade and the credit rating information corresponding to the customer information in connection with the financial system (910), and calculates the customer rating score based on the customer information and the customer's credit rating information identified in the server. Done.

For example, the credit rating grade corresponding to the customer information is calculated by a predetermined calculation method by checking the data extracted from an external credit rating agency or data confirmed through internal contact of the credit rating agency, and then applied to the credit amount. It is preferable to use to set the interest rate.

Thereafter, when the server calculates a customer evaluation score corresponding to the customer information and the calculated credit rating information of the customer (915), the server corresponds to the customer rating score and the credit limit calculated in connection with the financial system. The credit rate is calculated (920), and the credit rate for each amount corresponding to the credit amount is calculated based on the base rate at the server (925).

Thereafter, the server transmits the interest rate processing information to the main office terminal for approval rate approval information corresponding to the credit rate requested by the customer (930), and checks the interest rate processing information transmitted from the server at the main terminal (935). ), The main office terminal determines whether to approve the interest rate approval information by checking customer information, credit limit information, and credit amount information constituting the interest rate processing information transmitted from the server (940). If the terminal does not approve the approval of the interest rate (945), the main office terminal generates a processing history of processing the approval of the credit rate calculated by the server, and transmits the generated processing history to the server (945) in a face-to-face manner. A series of processes for dealing with financial transactions for the management of limit and interest rate approval related to corporate credit are completed.

On the other hand, the main office terminal checks the customer information, the credit limit information, and the credit amount information constituting the interest rate processing information transmitted from the server, and determines whether to approve the interest rate approval information (940), and the main office terminal interest rate When approving the approval (945), the main office terminal transmits the approval processing history of the credit rate calculated by the server to the server (955), so that the limit approval and interest rate approval related to the corporate credit in a face-to-face manner. This completes a series of processes for handling financial transactions.

10 is a diagram illustrating a process of processing information for processing and operating a credit rate related to a corporate credit in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIG. 10 illustrates a case in which the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the terminal connects to the credit processing server 105 to connect a communication channel for the financial transaction, the terminal including the customer information and credit application amount information to the credit processing server 105 through the communication channel. When the credit application information is transmitted, the credit processing server 105 sets the credit rate using the customer information included in the received credit application information and the credit application amount information, and approves the corporate credit rate. The present invention relates to an embodiment of the present invention, and those skilled in the art to which the present invention pertains may refer to or modify the present drawing 10 in the above-described face-to-face manner. Various implementation methods may be inferred for the process of processing a financial transaction to process credit rate setting and approval, but the present invention includes all implementation methods inferred above and is limited to the implementation method shown in FIG. Not.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a “branch terminal” for convenience, and the main teller terminal is referred to as a “main terminal” for convenience, and the credit processing server shown in FIG. 105 is referred to as " server " for convenience.

In order to set the credit rate of the credit amount corresponding to the credit application information, the server checks the customer information corresponding to the credit application information, and the residence type, education, and human resources of the customer corresponding to the customer information. Classification, identification of occupations, and information on current workplaces are categorized and identified (1000).

For example, the type of residence of the customer grasps the property ownership of the customer and uses it as the information corresponding to the security setting. It is preferable to use as information corresponding to evaluation.

Thereafter, the server checks the credit limit amount corresponding to the customer information and the credit amount information (1005), and checks the credit rating grade and the credit rating information corresponding to the customer information in connection with the financial system (1010). The customer evaluation score is calculated based on the customer information verified on the server and the customer's credit rating information.

For example, the credit rating grade corresponding to the customer information is calculated by a predetermined calculation method by checking the data extracted from an external credit rating agency or data confirmed through internal contact of the credit rating agency, and then applied to the credit amount. It is preferable to use to set the interest rate.

Thereafter, when the server calculates a customer evaluation score corresponding to the customer information and the calculated credit rating information of the customer (1015), the server corresponds to the basic credit corresponding to the customer evaluation score and the credit limit calculated in connection with the financial system. The interest rate is calculated (1020), and the credit rate for each amount corresponding to the credit amount is calculated based on the base rate at the server (1025).

Thereafter, the server transmits the interest rate processing information to the main office terminal for the approval rate approval information corresponding to the credit rate requested by the customer (1030), and then checks the interest rate processing information transmitted from the server (1035). ), The main office terminal determines whether to approve the interest rate approval information by checking customer information, credit limit information, and credit amount information constituting the interest rate processing information transmitted from the server (1040). If the terminal does not approve the approval of the interest rate (1045), the main office terminal generates a processing history of processing the approval of the credit rate calculated by the server, and transmits the generated processing history to the server (1045). In a face-to-face manner, a series of processes for dealing with financial transactions for the management of limit and interest rate approvals related to corporate credit will be completed.

On the other hand, the main office terminal checks the customer information, the credit limit information, and the credit amount information constituting the interest rate processing information transmitted from the server, determines whether to approve the interest rate approval information (1040), and the main terminal terminal interest rate When approving the approval (1045), the terminal device transmits the approval processing history of the credit rate calculated by the server to the server (1055) to manage the limit approval and interest rate approval related to the corporate credit in a face-to-face manner. This completes a series of processes for dealing with financial transactions.

11 is a diagram illustrating a process of processing information for processing and operating a credit rate related to a corporate credit when a preferential rate exists in a face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, in FIG. 11, in the case where the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on the financial system linked to the counter terminal through a predetermined financial network, the window After the terminal connects to the credit processing server 105 to connect a communication channel for the financial transaction, the terminal including the customer information and credit application amount information to the credit processing server 105 through the communication channel. When the credit application information is transmitted, the credit processing server 105 sets the credit rate using the customer information included in the received credit application information and the credit application amount information, and approves the corporate credit rate. The present invention relates to an embodiment of the present invention, and those skilled in the art to which the present invention pertains can refer to or modify the present invention in the face-to-face manner. Various implementation methods may be inferred for the process of processing a financial transaction to process credit rate setting and approval, but the present invention includes all implementation methods inferred above and is limited to the implementation method shown in FIG. Not.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

In order to set a credit rate of the credit amount corresponding to the credit application information, the server checks the customer information, the credit limit amount, and the credit amount information corresponding to the credit application information (1100), In connection, the information on the type of residence, educational background, personal information, occupation, and current workplace of the client is classified and identified (1105).

For example, the type of residence of the customer grasps the property ownership of the customer and uses it as the information corresponding to the security setting. It is preferable to use as information corresponding to evaluation.

Thereafter, the server checks the credit rating grade and the credit rating information corresponding to the customer information in connection with the financial system (1110), and calculates a customer rating score based on the customer information and the customer's credit rating information identified in the server. Done.

For example, the credit rating grade corresponding to the customer information is calculated by a predetermined calculation method by checking the data extracted from an external credit rating agency or data confirmed through internal contact of the credit rating agency, and then applied to the credit amount. It is preferable to use to set the interest rate.

Thereafter, when the server calculates a customer evaluation score corresponding to the customer information and the calculated credit rating information of the customer (1115), the server corresponds to the basic credit corresponding to the customer evaluation score and the credit limit calculated in connection with the financial system. The interest rate is calculated (1120), and the customer checks whether the preferential interest rate is applied (1125), and the server confirms that the customer is subject to the preferential interest rate, and the preferential interest rate may be applied to the default credit rate. In the case of 1130, the server applies a preferential rate corresponding to the information on the subject of approval of the credit account ledger identified in association with the financial system to calculate the interest rate (1135), and the server applies the preferential rate at the default credit rate. By applying the credit rate for each amount corresponding to the previously calculated credit rate is calculated (1140).

Thereafter, the server transmits the interest rate processing information to the main office terminal for the approval rate approval information corresponding to the credit rate requested by the customer (1145), and then checks the interest rate processing information transmitted from the server (1150) (1150) The main office terminal determines whether to approve the interest rate approval information by checking customer information, credit limit information, and credit amount information constituting the interest rate processing information transmitted from the server (1155). If the terminal does not approve the approval of the interest rate (1160), the main office terminal transmits the processing details rejected by the main terminal to the server to the server (1165) in the face-to-face manner by the server for the credit limit calculated by the server. This concludes the process of dealing with financial transactions for credit limit and interest rate approval.

On the other hand, the main office terminal checks the customer information, the credit limit information, and the credit amount information constituting the interest rate processing information transmitted from the server, and determines whether to approve the interest rate approval information (1160), and the main office terminal rates When approving the approval (1165), the main office terminal transmits the approval processing history of the credit rate calculated by the server to the server (1170), so that the limit approval and interest rate approval related to the corporate credit in a face-to-face manner. This completes a series of processes for handling financial transactions.

12 is a diagram illustrating a process of processing information for processing and operating a credit rate related to a corporate credit when a preferential rate exists in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIG. 12 shows a case in which the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the terminal connects to the credit processing server 105 to connect a communication channel for the financial transaction, the terminal including the customer information and credit application amount information to the credit processing server 105 through the communication channel. When the credit application information is transmitted, the credit processing server 105 sets the credit rate using the customer information included in the received credit application information and the credit application amount information, and approves the corporate credit rate. The present invention relates to an embodiment of the present invention, and those skilled in the art to which the present invention pertains can refer to or modify the present drawing 12 in the above-described face-to-face manner. Various implementation methods may be inferred for the process of processing a financial transaction to process credit rate setting and approval, but the present invention includes all implementation methods inferred above and is limited to the implementation method shown in FIG. Not.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

In order to set the credit rate of the credit amount corresponding to the credit application information, the server checks the customer information corresponding to the credit application information, and the residence type, education, and human resources of the customer corresponding to the customer information. Classified information, occupation, and information on the current workplace are classified and identified (1200).

For example, the type of residence of the customer grasps the property ownership of the customer and uses it as the information corresponding to the security setting. It is preferable to use as information corresponding to evaluation.

Thereafter, the server checks the credit limit amount corresponding to the customer information and the credit amount information (1205), and checks the credit rating grade and the credit rating information corresponding to the customer information in connection with the financial system (1210). The customer evaluation score is calculated based on the customer information verified on the server and the customer's credit rating information.

For example, the credit rating grade corresponding to the customer information is calculated by a predetermined calculation method by checking the data extracted from an external credit rating agency or data confirmed through internal contact of the credit rating agency, and then applied to the credit amount. It is preferable to use to set the interest rate.

Thereafter, when the server calculates a customer evaluation score corresponding to the customer information and the calculated credit rating information of the customer (1215), the server corresponds to the basic credit corresponding to the customer evaluation score and the credit limit calculated in connection with the financial system. The interest rate is calculated (1220), and the customer checks whether the preferential interest rate is applied (1225), and the server confirms that the customer is eligible for the preferential interest rate, and the preferential interest rate can be applied to the default credit rate. In case 1230, the server applies a preferential rate corresponding to the information on the subject of approval of the credit account ledger confirmed in association with the financial system to calculate the interest rate (1235), and the server applies the preferential rate at the default credit rate. By applying the credit rate for each amount corresponding to the previously calculated credit rate is calculated (1240).

Thereafter, the server transmits the interest rate processing information to the main office terminal for the approval rate approval information corresponding to the credit rate requested by the customer (1245), and checks the interest rate processing information transmitted from the server at the main terminal (1250). ), The main office terminal determines whether to approve the interest rate approval information by checking customer information, credit limit information, and credit amount information constituting the interest rate processing information transmitted from the server (1255). If the terminal does not approve the approval of the interest rate (1260), the main office terminal transmits the processing details rejected by the main terminal to the server for the credit limit calculated by the server (1265). A series of procedures for dealing with financial transactions for the management of relevant limit and interest rate approvals are completed.

On the other hand, the main office terminal checks the customer information, the credit limit information, and the credit amount information constituting the interest rate processing information transmitted from the server, and determines whether to approve the interest rate approval information (1260), and the main office terminal rates When approving the approval (1265), the main office terminal transmits the approval processing history of the credit rate calculated by the server to the server (1270), so that the limit approval and interest rate approval related to the corporate credit in a face-to-face manner. This completes a series of processes for handling financial transactions.

13A and 13B illustrate a process of processing information for credit credit approval when a credit product requested by a customer in a face-to-face manner according to one embodiment of the present invention is a credit credit.

In more detail, FIG. 13 shows a case in which the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the terminal accesses the credit processing server 105 and connects the communication channel for the financial transaction, if the credit product requested by the customer is the credit credit through the communication channel, the credit processing server 105 By checking the credit limit amount and the credit rate of the customer provided, and for credit credit approval processing corresponding to the credit limit amount and the credit rate of the customer, if the person of ordinary skill in the art By referring to or modifying the drawing 13, various implementation methods for the process of processing the financial transaction for processing the approval of the credit in the face-to-face manner can be used. Would be able, in the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 1.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a “branch terminal” for convenience, and the main teller terminal is referred to as a “main terminal” for convenience, and the credit processing server shown in FIG. 105 is referred to as " server " for convenience.

The server checks the customer information and the customer's credit evaluation information in connection with the financial system (1300), and then checks the customer evaluation score corresponding to the customer information and the customer's credit evaluation information checked by the server (1305).

For example, the customer information checked by the server and the credit rating information of the customer use information provided by a financial institution or an external credit rating agency to which the customer applied for a credit, and the customer evaluation score of the customer is the credit request information of the customer. At the time of inputting, it is preferable to reflect the information on the type of residence, educational background, personal information, occupation, and current workplace of the customer associated with the customer information.

Thereafter, the server checks the credit limit amount approved in advance in response to the customer evaluation score and the branch terminal having the voting right (1310), and if the credit limit amount of the customer checked by the server is “0”; (1315), the server generates a non-credit approval message and transmits the message to the corresponding terminal terminal that entered the credit application information (1320), when the credit product requested by the customer in a face-to-face manner is a credit credit. This completes the process of processing information for credit credit approval.

On the other hand, if the credit limit amount of the customer confirmed by the server is not "0" (1315), the server compares the credit limit amount and the credit amount corresponding to the credit application information (1325), and then the server When the credit limit value approved for the customer is less than or equal to the credit amount corresponding to the credit application information (1330), the server generates a guide message regarding credit amount adjustment and transmits the credit application information to the branch terminal that inputs the credit application information. In operation 1335, the server performs processing of the credit amount requested by the customer through the credit application information.

For example, when checking the credit terminal information sent by the server and credit limit information based on the customer's credit score score (1360), the branch terminal approximates the credit amount requested by the server to adjust the credit limit. After the adjustment is made, the credit application information is presented to the customer who submitted the credit application information through the face-to-face channel (1365), and it is checked whether the customer is allowed to approve the adjusted credit amount (1370).

Subsequently, when the customer checks the adjusted credit amount and then requests re-adjustment of the adjusted credit amount, the branch terminal is adjusted to another credit amount corresponding to the credit limit approximation and presented to the customer (1365). The procedure will be repeated again.

If the customer does not approve the adjusted credit amount, the server terminates a series of information processing procedures for credit credit approval if the credit product requested by the customer is a credit credit without any further processing. Done.

On the other hand, when the customer approves the adjusted credit amount, the branch terminal adjusts the credit amount requested by the server to transmit credit application information including the updated credit amount to the server (1375). If the credit product requested by the customer in the face-to-face manner is a credit credit, a series of information processing for credit credit approval is performed again.

Thereafter, the server compares the credit limit amount and the credit amount corresponding to the credit application information (1325), and if the credit limit amount approved by the server is greater than the credit amount corresponding to the credit application information (1325) 1330, the server checks the interest rate information corresponding to the credit application information presented by the customer, and then transmits the interest rate information to the terminal receiving the credit application information of the customer (1340), and the server transmits the interest rate information. After confirming the credit rate, the branch terminal applies the previously approved credit rate to the credit amount corresponding to the credit application information, and then presents it to the customer to determine whether to approve the credit application information (1345).

If the branch terminal presents the credit application information to the customer by applying the previously approved credit rate to the credit application, and the customer does not allow credit approval for the credit application information (1350), the branch terminal is After confirming the rejection of the credit approval, input the details of canceling the credit approval processing process for the credit application information, and transmit the details to the server, and the server generates the processing history related to the credit approval cancellation process to generate the credit application information. By transmitting to the input terminal (1355), if the credit product requested by the customer in the face-to-face method is credit credit, a series of information processing for credit credit approval is completed.

On the other hand, when the branch terminal presents the credit application information to the customer by applying the previously approved credit rate to the credit application information, and when the customer allows credit approval for the credit application information (1350), the server is a branch terminal By confirming the approval input for the credit application information of the credit information, and the predetermined limit approval information and the credit approval process processed by applying the credit rate to the point terminal input the credit application information (1360) Therefore, if the credit product requested by the customer is a credit, a series of information processing for credit credit approval is completed.

14 is a view showing a process of processing information for credit credit approval when the credit product requested by the customer in a face-to-face manner according to another embodiment of the present invention.

In more detail, FIG. 14 illustrates a case in which the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the terminal accesses the credit processing server 105 and connects the communication channel for the financial transaction, if the credit product requested by the customer is the credit credit through the communication channel, the credit processing server 105 By checking the credit limit amount and the credit rate of the customer provided, and for credit credit approval processing corresponding to the credit limit amount and the credit rate of the customer, if the person of ordinary skill in the art By referring to or modifying the drawing 14, various implementation methods for the process of processing the financial transactions for processing the approval of the credit in the face-to-face manner are introduced. It may be ugly, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

The server checks the customer information and the customer's credit rating information in connection with the financial system (1400), and then checks the customer evaluation score corresponding to the customer information and the customer's credit rating information (1405).

For example, the customer information checked by the server and the credit rating information of the customer use information provided by a financial institution or an external credit rating agency to which the customer applied for a credit, and the customer evaluation score of the customer corresponds to the credit request. At the time of inputting the information, it is desirable to reflect information on the type of residence, educational background, personal information, occupation, and current workplace of the customer associated with the customer information.

Subsequently, the server checks the credit limit amount approved in advance in response to the customer evaluation score and is approved by the branch terminal having voting rights (1410). (1415), the server generates a non-credit approval message and transmits the message to the corresponding terminal terminal that inputs the credit application information (1420), when the credit product requested by the customer in a face-to-face manner is a credit credit. This completes the process of processing information for credit credit approval.

On the other hand, if the credit limit amount of the customer confirmed by the server is not "0" (1415), the server compares the credit limit amount and the credit amount corresponding to the credit application information (1425), and then the server If the credit limit value approved to the customer is less than or equal to the credit amount corresponding to the credit application information (1430), the server generates a guide message regarding credit amount adjustment and transmits it to the branch terminal where the credit application information is input. In operation 1435, the server performs the processing of the credit amount requested by the customer through the credit application information.

For example, when the branch terminal checks the credit limit information transmitted by the server and credit limit information based on the customer's credit rating score (1460), the branch terminal limits the credit amount requested by the server to adjust the credit amount. After adjusting to an approximation value, the credit application information is presented to the customer who submitted the credit application information through the face-to-face channel (1465), and the customer is allowed to approve the adjusted credit amount (1470).

Subsequently, when the customer checks the adjusted credit amount and requests re-adjustment of the adjusted credit amount, the branch terminal is adjusted to another credit amount corresponding to the credit limit approximation and presented to the customer (1465). The procedure will be repeated again.

If the customer does not approve the adjusted credit amount, the server terminates a series of information processing procedures for credit credit approval if the credit product requested by the customer is a credit credit without any further processing. do.

On the other hand, when the customer approves the adjusted credit amount, the branch terminal adjusts the credit amount requested by the server based on the credit limit of the customer (1475), and then applies the credit application information including the updated credit amount. By transmitting to the server (1480), if the credit product requested by the customer in the face-to-face method is a credit credit, a series of information processing for credit credit approval once again.

Thereafter, the server compares the credit limit amount with the credit amount corresponding to the credit application information (1425), and if the credit limit amount approved by the server is greater than the credit amount corresponding to the credit application information (1425) 1430, the server checks the interest rate information corresponding to the credit application information presented by the customer, and then transmits the interest rate information to the terminal receiving the credit application information of the customer (1440). After confirming the credit rate, the branch terminal applies the previously approved credit rate to the credit amount corresponding to the credit application information, and then presents it to the customer to determine whether to approve the credit application information (1445).

If the branch terminal presents the credit to the customer by applying the previously approved credit rate to the credit application information, and the customer does not allow credit approval for the credit application information (1450), the branch terminal is After confirming the rejection of the credit approval, input the details of canceling the credit approval processing process for the credit application information, and transmit the details to the server, and the server generates the processing history related to the credit approval cancellation process to generate the credit application information. By sending the information to the input terminal (1455), if the credit product requested by the customer in a face-to-face method is a credit credit, a series of information processing for credit credit approval is completed.

On the other hand, when the customer applies the credit rate previously approved to the credit application information in the branch terminal and presents it to the customer, and then the client allows credit approval for the credit application information (1450), the server provides the branch terminal. By confirming the approval input for the credit application information of the credit card information, and transfers the predetermined credit approval information and the credit approval processing processed by applying the credit rate to the point terminal input the credit application information (1460) Therefore, if the credit product requested by the customer is a credit, a series of information processing for credit credit approval is completed.

15 is a diagram illustrating a process of processing information for credit credit approval when a credit product requested by a customer in a face-to-face manner according to another embodiment of the present invention is a credit credit.

In more detail, FIG. 15 shows the case where the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on the financial system linked to the teller terminal through a predetermined financial network. After the terminal accesses the credit processing server 105 and connects the communication channel for the financial transaction, if the credit product requested by the customer is the credit credit through the communication channel, the credit processing server 105 By checking the credit limit amount and the credit rate of the customer provided, and for credit credit approval processing corresponding to the credit limit amount and the credit rate of the customer, if the person of ordinary skill in the art By referring to or modifying the figure 15, various implementation methods for the process of processing the financial transaction for processing the approval of the credit credit in the face-to-face manner can be used. Would be able, in the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 1.

* In the following Figure 1, the branch teller terminal of the financial institution shown in Figure 1 is referred to as "branch terminal" for convenience, and the main teller terminal is referred to as "main terminal" for convenience, and the credit processing server shown in Figure 1 105 is referred to as &quot; server &quot; for convenience.

The server checks the credit limit amount approved in advance in response to the customer evaluation score and is approved by the branch terminal having voting rights (1500), and if the credit limit amount of the customer confirmed by the server is "0" If (1505), the server generates a non-credit approval message and transmits the message to the corresponding terminal terminal that entered the credit application information (1510), if the credit product requested by the customer in a face-to-face manner credit credit The process of processing information for approval ends.

On the other hand, if the credit limit amount of the customer confirmed by the server is not "0" (1505), the server compares the credit limit amount and the credit amount corresponding to the credit application information (1515), and then the server If the credit limit value approved to the customer is less than or equal to the credit amount corresponding to the credit application information (1520), the server generates a guide message regarding credit amount adjustment and transmits the credit application information to the branch terminal where the credit application information is input. (1525), the server performs processing for the credit amount requested by the customer through the credit application information.

For example, when checking the credit terminal information transmitted from the server and credit limit information based on the customer's credit score score (1560), the branch terminal approximates the credit amount requested by the server to adjust the credit amount. After the adjustment is made, the credit application information is presented to the customer who submitted the credit application information through the face-to-face channel (1565), and it is checked whether the customer is allowed to approve the adjusted credit amount (1570).

Subsequently, when the customer checks the adjusted credit amount, and requests re-adjustment of the adjusted credit amount, the branch terminal is adjusted to another credit amount corresponding to the credit limit approximation (1565). The procedure will be repeated again.

If the customer does not approve the adjusted credit amount, the server terminates a series of information processing procedures for credit credit approval if the credit product requested by the customer is a credit credit without any further processing. do.

On the other hand, if the customer approves the adjusted credit amount, the branch terminal adjusts the credit amount requested by the server to transmit credit application information including the updated credit amount to the server (1575). If the credit product requested by the customer is credit, in a face-to-face manner, a series of information processing processes for credit credit approval are performed again.

If the server compares the credit limit amount with the credit amount corresponding to the credit application information (1515), and if the credit limit amount approved by the server is greater than the credit amount corresponding to the credit application information (1515) 1520, the server checks the interest rate information corresponding to the credit application information presented by the customer, and then transmits the interest rate information to the terminal receiving the credit application information of the customer (1530), and the server transmits the interest rate information. After confirming the credit rate, the branch terminal applies the previously approved credit rate to the credit amount corresponding to the credit application information, and then presents it to the customer to determine whether to approve the credit application information (1535).

If the branch terminal presents the credit application to the customer by applying the previously approved credit rate to the credit application information, and if the customer does not allow credit approval for the credit application information (1540), the branch terminal is After confirming the rejection of the credit approval, input the details of canceling the credit approval processing process for the credit application information, and transmit the details to the server, and the server generates the processing history related to the credit approval cancellation process to generate the credit application information. By transmitting the inputted to the branch terminal (1545), if the credit product requested by the customer in a face-to-face method is a credit credit, a series of information processing for credit credit approval is completed.

On the other hand, if the branch terminal presents to the customer by applying the previously approved credit rate to the credit application information, and then the customer allows credit approval for the credit application information (1540), the server is a branch terminal By confirming the approval input for the credit application information of the user, and transfers the predetermined credit approval information and the credit approval processing processed by applying the credit rate to the point terminal inputting the credit application information (1550) Therefore, if the credit product requested by the customer is a credit, a series of information processing for credit credit approval is completed.

16 is a diagram illustrating a process of processing information for credit credit approval when a credit product requested by a customer in a face-to-face manner according to another embodiment of the present invention is a credit credit.

In more detail, FIG. 16 illustrates a case in which the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the terminal accesses the credit processing server 105 and connects the communication channel for the financial transaction, if the credit product requested by the customer is the credit credit through the communication channel, the credit processing server 105 Checking the credit limit amount and the credit rate of the customer provided, and for credit credit approval processing corresponding to the credit limit amount and the credit rate of the customer, if the person having ordinary knowledge in the technical field of the present invention By referring to or modifying the drawing of FIG. It may be ugly, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

The server checks the credit limit amount approved in advance in response to the customer evaluation score and is approved by the branch terminal having a voting right (1600), and if the credit limit amount of the customer confirmed by the server is "0" If (1605), the server generates a non-credit approval message and transmits the message to the corresponding terminal terminal that entered the credit application information (1610), if the credit product requested by the customer in a face-to-face manner credit credit The process of processing information for approval ends.

On the other hand, if the credit limit amount of the customer confirmed by the server is not "0" (1605), the server compares the credit limit amount and the credit amount corresponding to the credit application information (1615), and then the server If the credit limit value approved to the customer is less than or equal to the credit amount corresponding to the credit application information (1620), the server generates a guide message regarding credit amount adjustment and transmits it to the branch terminal where the credit application information is input. In operation 1625, the server performs processing of the credit amount requested by the customer through the credit application information.

For example, when the branch terminal checks the credit limit information transmitted from the server and credit limit information based on the customer's credit score (1660), the branch terminal approximates the credit amount requested by the server to adjust the credit amount. After the adjustment is made, the credit application information is presented to the customer who submitted the credit application information through the face-to-face channel (1665), and it is checked whether the customer is allowed to approve the adjusted credit amount (1670).

Thereafter, when the customer checks the adjusted credit amount and requests re-adjustment of the adjusted credit amount, the customer adjusts the terminal terminal to another credit amount corresponding to the credit limit approximation (1665). The procedure will be repeated again.

If the customer does not approve the adjusted credit amount, the server terminates a series of information processing procedures for credit credit approval if the credit product requested by the customer is a credit credit without any further processing. do.

On the other hand, when the customer approves the adjusted credit amount, the branch terminal adjusts the credit amount requested by the server based on the credit limit of the customer (1675), and then applies the credit application information including the updated credit amount. By transmitting to the server (1680), if the credit product requested by the customer in the face-to-face credit credit is a series of information processing once again for credit credit approval.

If the server compares the credit limit amount with the credit amount corresponding to the credit application information (1615), and if the credit limit amount approved by the server is greater than the credit amount corresponding to the credit application information (1615) 1620, the server checks the interest rate information corresponding to the credit application information presented by the customer, and then transmits the interest rate information to the terminal receiving the credit application information of the customer (1630). After confirming the credit rate, the branch terminal applies the previously approved credit rate to the credit amount corresponding to the credit application information, and then presents it to the customer to determine whether to approve the credit application information (1635).

If the branch terminal presents the credit to the customer by applying an approved credit rate to the credit application information, and then the customer does not allow credit approval for the credit application information (1640), the branch terminal After confirming the rejection of the credit approval, input the details of canceling the credit approval processing process for the credit application information, and transmit the details to the server, and the server generates the processing history related to the credit approval cancellation process to generate the credit application information. By transmitting the information to the branch terminal (1645) inputted by the customer in the face-to-face method if the credit product is a credit, a series of information processing for credit credit approval is completed.

On the other hand, if the branch terminal presents to the customer by applying the previously approved credit rate to the credit application information, and then the customer allows credit approval for the credit application information (1640), the server is a branch terminal By confirming the approval input for the credit application information of the information, and the predetermined limit approval information and the credit approval processing processed by applying the credit rate to the point terminal input the credit application information (1650) Therefore, if the credit product requested by the customer is a credit, a series of information processing for credit credit approval is completed.

FIG. 17 is a diagram illustrating a process of processing information for approval of a mortgage when a credit product requested by a customer in a face-to-face manner according to an exemplary embodiment of the present invention is a mortgage.

In more detail, FIG. 17 illustrates a case in which the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the terminal connects to the credit processing server 105 and connects the communication channel for the financial transaction, if the credit product requested by the customer is the collateralized credit through the communication channel, the credit processing server 105 If the credit limit amount and the credit rate of the customer provided to confirm the credit limit amount corresponding to the credit limit amount and the credit rate of the customer as a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the drawing 17, various implementation methods for the process of processing the financial transaction for processing the approval of the collateral credit in the face-to-face manner are introduced. It may be ugly, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

The server checks the customer information and the collateral property evaluation information of the customer in connection with the financial system (1700), and then checks the customer evaluation score corresponding to the customer information and the security material evaluation information of the customer (1705). ).

For example, the customer information checked by the server and the credit rating information of the customer use information provided by a financial institution or an external credit rating agency to which the customer applied for a credit, and the customer evaluation score of the customer is the credit request information of the customer. At the time of inputting, it is preferable to reflect the information on the type of residence, educational background, personal information, occupation, and current workplace of the customer associated with the customer information.

Subsequently, the server checks the credit limit amount approved in advance in response to the customer evaluation score and is approved by the branch terminal having voting rights (1710). If (1715), the server generates a non-credit approval message and transmits the message to the corresponding terminal terminal that entered the credit application information (1720), if the credit product requested by the customer in the face-to-face collateral credit This completes the process of processing information for the approval of the mortgage.

On the other hand, if the credit limit amount of the customer confirmed by the server is not "0" (1715), the server compares the credit limit amount and the credit amount corresponding to the credit application information (1725), and then the server If the credit limit value approved to the customer is less than or equal to the credit amount corresponding to the credit application information (1730), the server generates a guide message regarding credit amount adjustment and transmits it to the branch terminal where the credit application information is input. In operation 1735, the server executes processing of the credit amount requested by the customer through the credit application information.

For example, when checking the credit terminal information sent by the server and the credit limit information based on the customer's credit score score (1760), the branch terminal approximates the credit amount requested by the server to adjust the credit amount. After the adjustment is made, the credit application information is presented to the customer who submitted the credit application information through the face-to-face channel (1765), and the customer's approval of the adjusted credit amount is confirmed (1770).

Subsequently, when the customer checks the adjusted credit amount and requests re-adjustment of the adjusted credit amount, the customer adjusts the branch terminal to another credit amount corresponding to the credit limit approximation (1765). The procedure will be repeated again.

If the customer does not approve the adjusted credit amount, the server terminates a series of information processing procedures for credit credit approval if the credit product requested by the customer is a credit credit without any further processing. do.

On the other hand, when the customer approves the adjusted credit amount, the branch terminal adjusts the credit amount requested by the server to transmit credit application information including the updated credit amount to the server (1775). If the credit product requested by the customer in the face-to-face manner is a credit credit, a series of information processing for credit credit approval is performed again.

If the server compares the credit limit amount and the credit amount corresponding to the credit application information (1725), and if the credit limit amount approved by the server to the customer is greater than the credit amount corresponding to the credit application information ( 1730, the server checks the interest rate information corresponding to the credit application information presented by the customer, and then transmits the interest rate information to the terminal receiving the credit application information of the customer (1740). After confirming the credit rate, the branch terminal applies the previously approved credit rate to the credit amount corresponding to the credit application information, and then presents it to the customer to determine whether to approve the credit application information (1745).

If the branch terminal presents the credit to the customer by applying the previously approved credit rate to the credit application information, and if the customer does not allow credit approval for the credit application information (1750), the branch terminal is After confirming the rejection of the credit approval, input the details of canceling the credit approval processing process for the credit application information, and transmit the details to the server, and the server generates the processing history related to the credit approval cancellation process to generate the credit application information. By transmitting the inputted point terminal (1755) in the face-to-face method, if the credit product requested by the customer is a collateral, the series of information processing for the approval of the collateral credit is completed.

On the other hand, if the branch terminal presents to the customer by applying the previously approved credit rate to the credit application information, and then the customer permits credit approval for the credit application information (1750), the server is a branch terminal By confirming the approval input for the credit application information of the credit card, and transfers the predetermined credit approval information and the credit approval processing processed by applying the credit rate to the branch terminal inputting the credit application information (1760) As a result, if the customer's credit product is a collateral loan, the process of processing the information for approval of the collateral credit is terminated.

18 is a diagram illustrating a process of processing information for approval of a mortgage when a credit product requested by a customer in a face-to-face manner according to an exemplary embodiment of the present invention is a mortgage.

In more detail, FIG. 18 shows a case in which the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the terminal connects to the credit processing server 105 and connects the communication channel for the financial transaction, if the credit product requested by the customer is the collateralized credit through the communication channel, the credit processing server 105 If the credit limit amount and the credit rate of the customer provided to confirm the credit limit amount corresponding to the credit limit amount and the credit rate of the customer as a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the drawing 18, various implementation methods for the process of processing the financial transaction for processing the approval of the collateral credit in the face-to-face manner are introduced. Would be able, in the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 1.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

The server checks the customer information and the collateral property evaluation information of the customer in connection with the financial system (1800), and then checks the customer evaluation score corresponding to the customer information and the security material evaluation information of the customer (1805). ).

For example, the customer information checked by the server and the credit rating information of the customer use information provided by a financial institution or an external credit rating agency to which the customer applied for a credit, and the customer evaluation score of the customer is the credit request information of the customer. At the time of inputting, it is preferable to reflect the information on the type of residence, educational background, personal information, occupation, and current workplace of the customer associated with the customer information.

Thereafter, the server checks the credit limit amount approved in advance in response to the customer evaluation score and is approved by the branch terminal having the voting right (1810). (1815), the server generates a non-credit approval message and transmits the message to the corresponding terminal where the credit application information has been entered (1820). This completes the process of processing information for the approval of the mortgage.

On the other hand, if the credit limit amount of the customer confirmed by the server is not "0" (1815), the server compares the credit limit amount and the credit amount corresponding to the credit application information (1825), and then the server If the credit limit value approved to the customer is less than or equal to the credit amount corresponding to the credit application information (1830), the server generates a guide message about credit amount adjustment and transmits it to the branch terminal where the credit application information is input. In operation 1835, the server executes processing of the credit amount requested by the customer through the credit application information.

For example, when checking the credit terminal information sent by the server and the credit limit information based on the customer's credit score score (1860), the branch terminal approximates the credit amount requested by the server to adjust the credit amount. After the adjustment is made, the credit application information is presented to the customer who submitted the credit application information through the face-to-face channel (1865), and it is checked whether the customer is allowed to approve the adjusted credit amount (1870).

Subsequently, when the customer checks the adjusted credit amount and requests re-adjustment of the adjusted credit amount, the customer adjusts the branch terminal to another credit amount corresponding to the credit limit approximation (1865). The procedure will be repeated again.

If the customer does not approve the adjusted credit amount, the server terminates a series of information processing processes for credit credit approval if the credit product requested by the customer is a credit in a face-to-face manner without further processing. do.

On the other hand, when the customer approves the adjusted credit amount, the branch terminal adjusts the credit amount requested by the server based on the credit limit of the customer (1875), and then applies the credit application information including the updated credit amount. By transmitting to the server (1880), if the credit product requested by the customer in the face-to-face credit credit is a series of information processing once again for credit credit approval.

If the server compares the credit limit amount and the credit amount corresponding to the credit application information (1825), and if the credit limit amount approved by the server to the customer is greater than the credit amount corresponding to the credit application information ( 1830, the server checks the interest rate information corresponding to the credit application information presented by the customer, and then transmits the interest rate information to the terminal receiving the credit application information of the customer (1840). After confirming the credit rate, the branch terminal applies the previously approved credit rate to the credit amount corresponding to the credit application information, and then presents it to the customer to determine whether to approve the credit application information (1845).

If the branch terminal presents the credit to the customer by applying the previously approved credit rate to the credit application information, and the customer does not allow credit approval for the credit application information (1850), the branch terminal After confirming the rejection of the credit approval, input the details of canceling the credit approval processing process for the credit application information, and transmit the details to the server, and the server generates the processing history related to the credit approval cancellation process to generate the credit application information. By transmitting to the input terminal (1855), if the credit product requested by the customer in the face-to-face mortgage is a series of information processing for the approval of the collateral credit is terminated.

On the other hand, when the branch terminal presents the credit application information to the customer by applying a previously approved credit rate to the credit application information, and then the customer permits credit approval for the credit application information (1850), the server provides a branch terminal. By confirming the approval input for the credit application information of the information, and the predetermined limit approval information and the credit approval processing processed by applying the credit rate to the point terminal input the credit application information (1860) As a result, if the customer's credit product is a collateral loan, the process of processing the information for approval of the collateral credit is terminated.

19 is a diagram illustrating a process of processing information for approval of a mortgage when a credit product requested by a customer in a face-to-face manner according to another embodiment of the present invention is a mortgage.

In more detail, FIG. 19 shows the case where the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on the financial system linked to the teller terminal through a predetermined financial network. After the terminal connects to the credit processing server 105 and connects the communication channel for the financial transaction, if the credit product requested by the customer is the collateralized credit through the communication channel, the credit processing server 105 If the credit limit amount and the credit rate of the customer provided to confirm the credit limit amount corresponding to the credit limit amount and the credit rate of the customer as a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the drawing 19, various implementation methods for the process of processing the financial transaction for processing the approval of the collateral credit in the face-to-face manner are introduced. It may be ugly, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

The server checks the security evaluation information of the customer, and then checks the credit limit amount approved in advance in response to the customer evaluation score, and approved by the branch terminal having the vesting rights (1900), When the credit limit amount of the customer is "0" (1905), the server generates a non-credit approval message and transmits the message to the corresponding point terminal where the credit application information is input (1910). If the requested credit product is a collateral, a series of information processing processes for approval of the collateral is completed.

On the other hand, if the credit limit amount of the customer confirmed by the server is not "0" (1905), the server compares the credit limit amount and the credit amount corresponding to the credit application information (1915), and then the server If the credit limit value approved to the customer is less than or equal to the credit amount corresponding to the credit application information (1920), the server generates a guide message regarding credit amount adjustment and transmits it to the terminal where the credit application information is input. In operation 1925, the server performs processing of the credit amount requested by the customer through the credit application information.

For example, when the branch terminal checks the credit amount information transmitted by the server and credit limit information based on the customer's credit score score (1960), the branch terminal approximates the credit amount requested by the server to adjust the credit amount. After the adjustment is made, the credit application information is presented to the customer who submitted the credit application information through the face-to-face channel (1965), and the customer is allowed to approve the adjusted credit amount (1970).

Thereafter, when the customer checks the adjusted credit amount and requests re-adjustment of the adjusted credit amount, the customer adjusts the terminal terminal to another credit amount corresponding to the credit limit approximation (1965). The procedure will be repeated again.

If the customer does not approve the adjusted credit amount, the server terminates a series of information processing procedures for credit credit approval if the credit product requested by the customer is a credit credit without any further processing. do.

On the other hand, when the customer approves the adjusted credit amount, the branch terminal adjusts the credit amount requested by the server to transmit credit application information including the updated credit amount to the server (1975). If the credit product requested by the customer in the face-to-face manner is a credit credit, a series of information processing for credit credit approval is performed again.

If the server compares the credit limit amount with the credit amount corresponding to the credit application information (1915), and if the credit limit amount approved by the server is greater than the credit amount corresponding to the credit application information (1915) 1920, the server checks the interest rate information corresponding to the credit application information presented by the customer, and then transmits the interest rate information to the terminal receiving the credit application information of the customer (1930), which is transmitted by the server. After confirming the credit rate, the branch terminal applies the previously approved credit rate to the credit amount corresponding to the credit application information, and then presents it to the customer to determine whether to approve the credit application information (1935).

If the branch terminal presents the credit to the customer by applying the previously approved credit rate to the credit application information, and the customer does not allow credit approval for the credit application information (1940), the branch terminal is After confirming the rejection of the credit approval, input the details of canceling the credit approval processing process for the credit application information, and transmit the details to the server, and the server generates the processing history related to the credit approval cancellation process to generate the credit application information. By sending the information to the input terminal (1945) in the face-to-face method, if the loan product is a collateral loan, the series of information processing process for approval of the collateral credit is completed.

On the other hand, when the branch terminal presents the credit application to the customer by applying the previously approved credit rate to the credit application information, and when the customer permits credit approval for the credit application information (1940), the server is a branch terminal By confirming the approval input for the credit application information of the user, and transfers the predetermined credit approval information and the credit approval processing processed by applying the credit rate to the branch terminal inputting the credit application information (1950) As a result, if the customer's credit product is a collateral loan, the process of processing the information for approval of the collateral credit is terminated.

20 is a diagram illustrating a process of processing information for approval of a mortgage when a credit product requested by a customer in a face-to-face manner according to another embodiment of the present invention is a mortgage.

In more detail, FIG. 20 shows the case where the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the terminal connects to the credit processing server 105 and connects the communication channel for the financial transaction, if the credit product requested by the customer is the collateralized credit through the communication channel, the credit processing server 105 If the credit limit amount and the credit rate of the customer provided to confirm the credit limit amount corresponding to the credit limit amount and the credit rate of the customer as a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the drawing 20, various implementation methods for the process of processing the financial transaction for processing the approval of the collateral credit in the face-to-face manner are introduced. Would be able, in the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 1.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

The server checks the security evaluation information of the customer, and then checks the credit limit amount approved in advance in response to the customer evaluation score, and approved by the branch terminal having the vesting rights (2000). If the credit limit amount of the customer is "0" (2005), the server generates a non-credit approval message and transmits the message to the corresponding point terminal where the credit application information has been entered (2010). If the requested credit product is a collateral, a series of information processing processes for approval of the collateral is completed.

On the other hand, if the credit limit amount of the customer confirmed by the server is not "0" (2005), the server compares the credit limit amount and the credit amount corresponding to the credit application information (2015), and then the server If the credit limit value approved to the customer is less than or equal to the credit amount corresponding to the credit application information (2020), the server generates a guide message regarding credit amount adjustment and transmits it to the terminal where the credit application information is input. In operation 2025, the server performs processing of the credit amount requested by the customer through the credit application information.

For example, when checking the credit terminal information transmitted from the server and credit limit information based on the customer's credit score score (2060), the branch terminal approximates the credit amount requested by the server to adjust the credit amount. After the adjustment is made, the credit application information is presented to the customer who submitted the credit application information through the face-to-face channel (2065), and the customer is allowed to approve the adjusted credit amount (2070).

Subsequently, when the customer checks the adjusted credit amount, and requests re-adjustment on the adjusted credit amount, the branch terminal is adjusted to another credit amount corresponding to the credit limit approximation and presented to the customer (2065). The procedure will be repeated again.

If the customer does not approve the adjusted credit amount, the server terminates a series of information processing procedures for credit credit approval if the credit product requested by the customer is a credit credit without any further processing. do.

On the other hand, when the customer approves the adjusted credit amount, the branch terminal adjusts the credit amount requested by the server based on the credit limit of the customer (2075), and then applies the credit application information including the updated credit amount. By transmitting to the server (2080), if the credit product requested by the customer in the face-to-face method is a credit credit, a series of information processing for credit credit approval once again.

If the server compares the credit limit amount and the credit amount corresponding to the credit application information (2015), and if the credit limit amount approved by the server to the customer is greater than the credit amount corresponding to the credit application information ( 2020, the server checks the interest rate information corresponding to the credit application information presented by the customer, and then transmits the interest rate information to the terminal receiving the credit application information of the customer (2030), the server transmits After confirming the credit rate, the branch terminal applies the previously approved credit rate to the credit amount corresponding to the credit application information, and then presents it to the customer to determine whether to approve the credit application information (2035).

If the branch terminal presents the credit to the customer by applying the previously approved credit rate to the credit application information, and if the customer does not allow credit approval for the credit application information (2040), the branch terminal is After confirming the rejection of the credit approval, input the details of canceling the credit approval processing process for the credit application information, and transmit the details to the server, and the server generates the processing history related to the credit approval cancellation process to generate the credit application information. By transmitting to the input terminal terminal (2045), if the credit product requested by the customer in the face-to-face mortgage is a series of information processing for the approval of the mortgage credit is terminated.

On the other hand, when the branch terminal presents the credit application information to the customer by applying an approved credit rate to the credit application information, and then the customer permits credit approval for the credit application information (2040), the server provides a branch terminal. By confirming the approval input for the credit application information of the user, and transmitting the credit approval processing details processed by applying the preset limit approval information and the credit rate to the terminal terminal inputting the credit application information (2050) in a face-to-face manner. As a result, if the customer's credit product is a collateral loan, the process of processing the information for approval of the collateral credit is terminated.

21 is a diagram illustrating a process of processing information for credit credit approval when a credit product requested by a customer in a face-to-face manner according to another embodiment of the present invention is a credit credit.

More specifically, FIG. 21 shows the case where the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on the financial system linked to the teller terminal through a predetermined financial network. After the terminal accesses the credit processing server 105 and connects the communication channel for the financial transaction, if the credit product requested by the customer is the credit credit through the communication channel, the credit processing server 105 By checking the credit limit amount and the credit rate of the customer provided, and for credit credit approval processing corresponding to the credit limit amount and the credit rate of the customer, if the person of ordinary skill in the art By referring to or modifying the drawing 21, various implementation methods for the process of processing the financial transaction for processing the approval of the credit in the face-to-face manner are introduced. Would be able, in the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 1.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

The server checks the customer information and the comprehensive asset valuation information of the customer in connection with the financial system (2100), and then checks the approved credit limit amount from the branch terminal having the vesting rights (2105). If the credit limit amount of the customer confirmed is "0" (2110), the server generates a non-credit approval message and transmits the message to the corresponding point terminal that entered the credit application information (2115), the customer in a face-to-face manner If the credit product requested is a credit, a series of information processing processes for credit credit approval are terminated.

On the other hand, if the credit limit amount of the customer confirmed by the server is not "0" (2110), the server compares the credit amount corresponding to the credit limit amount and the credit application information (2120), and then the server If the credit limit value approved to the customer is less than or equal to the credit amount corresponding to the credit application information (2125), the server generates a guide message regarding credit amount adjustment and transmits it to the terminal where the credit application information is input. 2135, the server executes processing for the credit amount requested by the customer through the credit application information.

For example, when checking the credit terminal information transmitted from the server and credit limit information based on the customer's credit score score (2160), the branch terminal approximates the credit amount requested by the server to adjust the credit limit. After the adjustment is made, the credit application information is presented to the customer who submitted the credit application information through the face-to-face channel (2165), and the customer is allowed to approve the adjusted credit amount (2170).

Subsequently, when the customer checks the adjusted credit amount and requests re-adjustment of the adjusted credit amount, the branch terminal is adjusted to another credit amount corresponding to the credit limit approximation and presented to the customer (2165). The procedure will be repeated again.

If the customer does not approve the adjusted credit amount, the server terminates a series of information processing procedures for credit credit approval if the credit product requested by the customer is a credit credit without any further processing. do.

On the other hand, when the customer approves the adjusted credit amount, the branch terminal adjusts the credit amount requested by the server to transmit credit application information including the updated credit amount to the server (2175). If the credit product requested by the customer in the face-to-face manner is a credit credit, a series of information processing for credit credit approval is performed again.

If the server compares the credit limit amount and the credit amount corresponding to the credit application information (2120), and the credit limit amount approved by the server to the customer is greater than the credit amount corresponding to the credit information. (2125), the server checks the interest rate information corresponding to the credit application information presented by the customer, and then transmits the interest rate information to the terminal receiving the credit application information of the customer (2135), and the server transmits it. After confirming a credit rate, the branch terminal applies the previously approved credit rate to the credit amount corresponding to the credit application information, and then presents it to the customer to determine whether to approve the credit application information (2140).

If the branch terminal presents the credit to the customer by applying the previously approved credit rate to the credit application information, and then the customer does not allow credit approval for the credit application information (2145), the branch terminal is After confirming the rejection of the credit approval, input the details of canceling the credit approval processing process for the credit application information, and transmit the details to the server, and the server generates the processing history related to the credit approval cancellation process to generate the credit application information. By transmitting to the input terminal (2150), if the credit product requested by the customer in a face-to-face method is a credit credit, a series of information processing for credit credit approval is completed.

On the other hand, when the branch terminal presents the credit application information to the customer by applying the previously approved credit rate to the credit application information, and then the customer allows credit approval for the credit application information (2145), the server is a branch terminal Confirming the approval input for the credit application information of the user and transmitting the predetermined credit limit information and the credit approval processing processed by applying the credit rate to the terminal terminal inputting the credit application information (2155) In this way, if the credit product requested by the customer is a credit, a series of information processing processes for approval of the credit are completed.

22 is a diagram illustrating a process of processing information for credit credit approval when a credit product requested by a customer in a face-to-face manner according to another embodiment of the present invention is a credit credit.

In more detail, FIG. 22 shows a case in which the credit processing server 105 on the financial transaction system shown in FIG. 1 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the terminal accesses the credit processing server 105 and connects the communication channel for the financial transaction, if the credit product requested by the customer is the credit credit through the communication channel, the credit processing server 105 By checking the credit limit amount and the credit rate of the customer provided, and for credit credit approval processing corresponding to the credit limit amount and the credit rate of the customer, if the person of ordinary skill in the art By referring to or modifying the drawing of FIG. Would be able, in the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 1.

Hereinafter, in FIG. 1, the branch teller terminal of the financial institution shown in FIG. 1 is referred to as a "branch terminal" for convenience, and the main teller terminal is referred to as a "main terminal" for convenience, and the credit processing server shown in FIG. 105 is referred to as "server" for convenience.

The server checks the customer information and the comprehensive asset valuation information of the customer in connection with the financial system (2200), and then checks the credit limit amount approved from the branch terminal having the vesting rights (2205). If the credit limit amount of the customer checked is "0" (2210), the server generates a non-credit approval message and transmits the message to the corresponding point terminal where the credit application information is input (2215), the customer in a face-to-face manner If the credit product requested is a credit, a series of information processing processes for credit credit approval are terminated.

On the other hand, if the credit limit amount of the customer confirmed by the server is not "0" (2210), the server compares the credit amount corresponding to the credit limit amount and the credit application information (2220), and then the server If the credit limit value approved to the customer is less than or equal to the credit amount corresponding to the credit application information (2225), the server generates a guide message regarding credit amount adjustment and transmits it to the branch terminal where the credit application information is input. 2235, the server executes the processing of the credit amount requested by the customer through the credit application information.

For example, when checking the credit terminal information transmitted from the server and credit limit information based on the customer's credit score score (2260), the branch terminal approximates the credit amount requested by the server to adjust the credit limit. After the adjustment is made, the credit application information is presented to the customer who submitted the credit application information through the face-to-face channel (2265), and the customer is allowed to approve the adjusted credit amount (2270).

Subsequently, when the customer checks the adjusted credit amount and requests re-adjustment of the adjusted credit amount, the branch terminal is adjusted to another credit amount corresponding to the credit limit approximation and presented to the customer (2265). The procedure will be repeated again.

If the customer does not approve the adjusted credit amount, the server terminates a series of information processing procedures for credit credit approval if the credit product requested by the customer is a credit credit without any further processing. do.

On the other hand, when the customer approves the adjusted credit amount, the branch terminal adjusts the credit amount requested by the server based on the credit limit of the customer (2275), and then applies the credit application information including the updated credit amount. By transmitting to the server (2280), if the credit product requested by the customer in the face-to-face method is a credit credit, a series of information processing for credit credit approval once again.

If the server compares the credit limit amount with the credit amount corresponding to the credit application information (2220), and if the credit limit amount approved by the server is greater than the credit amount corresponding to the credit application information (2220), 2225), the server checks the interest rate information corresponding to the credit application information presented by the customer, and then transmits the interest rate information to the terminal receiving the credit application information of the customer (2235), which is transmitted by the server. After confirming the credit rate, the branch terminal applies the previously approved credit rate to the credit amount corresponding to the credit application information, and then presents it to the customer to determine whether to approve the credit application information (2240).

If the branch terminal presents the credit application information previously applied to the credit application information to the customer, and the customer does not allow credit approval for the credit application information (2245), the branch terminal is After confirming the rejection of the credit approval, input the details of canceling the credit approval processing process for the credit application information, and transmit the details to the server, and the server generates the processing history related to the credit approval cancellation process to generate the credit application information. By transmitting to the input terminal (2250), if the credit product requested by the customer in the face-to-face credit credit is a series of information processing for credit credit approval is terminated.

On the other hand, if the branch terminal presents to the customer by applying the previously approved credit rate to the credit application information, and then the customer allows credit approval for the credit application information (2245), the server branches After confirming the approval input for the credit application information of the terminal, the preset credit limit information and the credit approval processing processed by applying the credit rate are transmitted to the terminal terminal inputting the credit application information (2255). In this way, if the credit product requested by the customer is a credit, a series of information processing processes for approval of the credit are completed.

According to the present invention, by integrating the business processing procedures of the branch offices and branch offices of financial institutions in the business of credit limit and interest rate approval, unnecessary time required to process credit limit and interest rate approval can be reduced. It can be expected to reduce the cost.

In addition, the company's efficient business process allows customers to quickly and easily handle credit limit approval and interest rate approval by providing differentiated services that are distinguished from financial institutions that handle credit limit approval and interest rate approval in accordance with the prior work. By improving the satisfaction of the customer can be expected to prevent the departure of customers.

In addition, it is expected to attract new customers due to marketing effects indirectly caused by efficient credit limit approval and interest rate approval services.

Claims (1)

In the credit approval system of corporate customers, the limit approval corresponding to the credit application is transferred in branches and interest rate approval is passed in the head office. Information receiving means for receiving the credit request information when the credit request information of the corporate customer is transmitted from a branch terminal; Credit limit approval means for approving the limit amount corresponding to the credit request information with a branch authority; Interrupt means for interrupting the limit amount approval when the limit amount is approved; Information confirmation means for confirming a main terminal corresponding to the interest rate sequencing right corresponding to the credit application information in association with a database storing interest rate sequencing right information, and transmitting the credit application information and the limit amount approval information to the main terminal terminal; When the interest rate processing information corresponding to the limit amount corresponding to the credit application information is transmitted from the main office terminal, the interest rate processing according to the limit amount is approved, but the interest rate processing is linked with a database storing target interest rate approval target information corresponding to the credit application information. Interest rate approval means for applying a predetermined preferential rate to the information; And And information transmission means for transmitting the limit amount approval information and the interest rate approval information to the point terminal.

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