KR100909649B1 - Method and system for secured tax refund collateral and record media for it - Google Patents

Abstract

The present invention relates to a tax refund collateral loan method and system and a recording medium therefor, when a predetermined customer applies for a loan, predetermined customer information, loan application information, tax refund collateral setting information, and tax refund from a predetermined information receiving means. Receiving account information, loaning a predetermined loan amount based on the customer information and loan application information in a predetermined loan processing means, and predetermined loan corresponding to the loan processing in a predetermined information storing means. Storing information in the predetermined storage medium by linking the information with the tax refund collateral setting information and the tax refund account information, and confirming the tax refund account information in connection with the storage medium in a predetermined information checking means; Checking whether the tax refund of the customer is deposited in the tax refund account information in the account verification means of And a step of processing the loan amount repaid through the tax rebates from the tax refund from the tax rebate account when payment is confirmed, certain loan payments processing means.

Description

System and Method for Collateral Loan by Using Tax Refund Amount and Program Recording Medium}

1 is a view showing the configuration of a loan system using the future tax refund according to the embodiment of the present invention.

2 is a diagram illustrating a system for establishing a face-to-face tax refund mortgage loan account for a loan application for secured tax refund according to an embodiment of the present invention.

3 is a diagram illustrating an implementation method in which a storage medium for storing tax refund loan operation information corresponding to a tax refund security loan account opened in a face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system; to be.

4 is a ledger D / B having a storage medium for storing tax refund loan operation information corresponding to a tax refund secured loan account opened in a face-to-face manner according to another embodiment of the present invention; A diagram illustrating an implementation method including an associated database.

Figure 5 is an implementation method comprising a DBMS provided in the banking server the storage medium for storing the tax refund loan operation information corresponding to the tax refund mortgage loan account opened in a face-to-face according to another embodiment of the present invention Figure is a diagram.

6A and 6B are diagrams illustrating a process for establishing a tax refund mortgage loan account for a loan application for which a tax refund is collateralized in a face-to-face manner according to one embodiment of the present invention.

7A and 7B are diagrams illustrating a process for establishing a tax refund collateral loan account for a loan application for which the tax refund is collateralized in a face-to-face manner according to another exemplary embodiment of the present invention.

8A and 8B are diagrams illustrating a process for establishing a tax refund mortgage loan account for a loan application for which a tax refund is collateralized in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 9 is a diagram illustrating a non-face-to-face loan account opening system for a loan application secured by tax refund according to another embodiment of the present invention.

FIG. 10 is a diagram illustrating an implementation method in which a storage medium storing tax refund portion loan operation information corresponding to a loan account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

11 is a database in which a storage medium storing tax refund portion loan operation information corresponding to a loan account opened in a non-face-to-face manner according to another embodiment of the present invention is linked to the ledger D / B provided in a DBMS on a financial system. A diagram showing an implementation method including a.

FIG. 12 illustrates an implementation method including a DBMS provided with a banking server in which a storage medium storing tax refund portion loan operation information corresponding to a loan account opened in a non-face-to-face manner according to another embodiment of the present invention is provided. One drawing.

13A and 13B illustrate a process of opening a loan account for a loan application to secure a tax refund in a non-face-to-face manner according to one embodiment of the present invention.

14A, 14B, and 14C are diagrams illustrating a process of opening a loan account for a loan application with collateral for tax refund according to one embodiment of the present invention.

FIG. 15 is a diagram illustrating a loan account operating system for loan operation secured by tax refund according to an embodiment of the present invention.

FIG. 16 is a diagram illustrating a process of repaying a tax refund of a tax refund account as a loan principle of a loan account for a loan operation secured as a tax refund according to an embodiment of the present invention.

<Description of main parts of drawing>

100: electronic document server 105, 120: loan processing server

110: loan management server 115: ledger D / B

When a predetermined customer of the present invention applies for a loan, receiving predetermined customer information, loan application information, tax refund collateral setting information, and tax refund account information from a predetermined information receiving means; Loaning a predetermined loan amount based on customer information and loan application information, and linking predetermined loan information corresponding to the loan processing, the tax refund collateral setting information, and the tax refund account information in a predetermined information storage means; Storing the tax refund account information in association with the storage medium in a predetermined information confirming means; and storing the tax of the customer in the tax refund account information in a predetermined account checking means. Checking whether a refund is received and when checking the tax refund deposit, the tax repayment processing means It relates to a tax refund security loan method comprising the step of repaying the loan amount through the tax refund from the refund account.

With the development of loan services in each financial institution, loan services consisting of various kinds of loan conditions for mortgage loans and credit loans are being provided, and loan services are continuously increasing.

On the other hand, as the standard and evaluation on credit and mortgage requirements for loans are strengthened and the interest rates applied are differentiated, the interest rate of low interest rates is desired for both individuals and corporations.

In recent years, the increase in the amount of bad credit, and the resulting social security is low, there is a problem that people who are already bad credit or without special collateral have no choice but to receive a loan service to pay higher interest.

An object of the present invention for solving the above problems is the information receiving means for receiving a predetermined customer information, loan application information, tax refund collateral setting information and tax refund account information when a predetermined customer loan application, and the customer information and Loan processing means for loan processing a predetermined loan amount based on the loan application information, the predetermined loan information corresponding to the loan processing, the tax refund collateral setting information and the tax refund account information is stored in a predetermined storage medium Information storage means, information checking means for confirming the tax refund account information in association with the storage medium, account confirmation means for confirming whether the tax refund of the customer is deposited in the tax refund account information and the tax refund deposit confirmation City, the loan to repay the loan amount through the tax refund from the tax refund account It is to provide a tax refund mortgage loan system having a repayment processing means.

Tax refund mortgage loan method according to the present invention, when a predetermined customer loan application, receiving predetermined customer information, loan application information, tax refund collateral setting information and tax refund account information in the predetermined information receiving means; Loaning a predetermined loan amount based on the customer information and loan application information in a predetermined loan processing means; and predetermined loan information and the tax refund collateral setting information corresponding to the loan processing in a predetermined information storage means. And storing the tax refund account information in association with the tax refund account information, in a predetermined storage medium, and confirming the tax refund account information in association with the storage medium in a predetermined information checking means, and the tax refund in the predetermined account checking means. Checking whether the tax refund of the customer is deposited in the account information and upon confirmation of the tax refund deposit, In loan payments processing means is characterized in that comprises the step of processing the loan amount repaid through the tax rebates from the tax refund account.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described tax refund mortgage loan method.

On the other hand, the tax refund mortgage loan system according to the present invention, when a predetermined customer loan application information receiving means for receiving predetermined customer information, loan application information, tax refund collateral setting information and tax refund account information, and the customer Loan processing means for loan processing a predetermined loan amount based on the information and the loan application information, and a predetermined storage medium by linking predetermined loan information corresponding to the loan processing, the tax refund collateral setting information, and the tax refund account information. Information storage means for storing in the storage unit, information checking means for confirming the tax refund account information in association with the storage medium, account checking means for checking whether the tax refund of the customer is deposited in the tax refund account information and the tax refund When the deposit is confirmed, repaying the loan amount through the tax refund from the tax refund account It is characterized by comprising a loan repayment processing means.

According to the present invention, the tax refund security setting information is characterized in that it comprises at least one or more tax deduction item information and item-specific deduction information corresponding to the customer.

According to the present invention, the loan repayment processing means, characterized in that the repayment process of the loan principle through the tax refund.

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. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or 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, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the function shown in the server (or terminal) The components may be provided in two or more servers (or terminals) different from each other according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator) in accordance with the above-described means. It is not limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples 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 is only.

1 is a diagram showing the configuration of a loan system using future tax refund according to the embodiment of the present invention.

In more detail, in FIG. 1, when a predetermined customer makes a loan, when the customer provides predetermined tax refund related information, a predetermined loan processing server 105 or 120 of the loan amount is based on the tax refund related information. A loan that processes a part to be repaid from the tax refund amount of the customer, and when a tax refund amount is generated for the customer, a loan that repays a part of the loan amount through the tax refund amount generated by a predetermined loan management server 110. As a system configuration, one of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 1 to infer various implementation methods for the construction of a loan system using tax refunds. The invention comprises all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG. No.

Referring to FIG. 1, the loan account opening and operation system includes a loan processing server 105 and 120 for checking a predetermined tax refund loan application information transmitted through a predetermined terminal device and opening a predetermined loan account; When the tax refund is deposited into the electronic document server 100 for storing a predetermined loan account opening electronic document corresponding to the loan account opening, and the tax refund account of the tax refund account information, the tax refund is sent to the loan account server. When the loan principle of the loan account is opened, the loan amount is repaid, and when the loan principle of the loan account is insufficient, the client terminal requests a deposit for the insufficient amount, and when the insufficient amount of the loan account loan principle is deposited, the lack amount It is provided with a loan operation server 110 to repay the loan with the principal principle of the loan account, and a financial system in which the loan account is opened. It characterized by that.

Here, the setting of the tax refund portion as collateral may include setting to automatically repay a part of the loan amount (or loan principle) through the future tax refund amount of the customer.

The loan processing server 105 or 120 includes at least one terminal terminal provided in a financial institution branch (or branch office), or a client terminal including a wired terminal or a wireless terminal connected through a predetermined communication network. In connection with the characterized in that opening the loan account.

Here, the loan processing server 105, 120 predicts the future tax refund amount based on predetermined deduction item information and predetermined deduction information in the tax refund collateral setting information included in the tax refund loan application information. It is characterized by calculating the interest rate of the loan account.

According to the implementation method of the present invention, the loan processing server 105, 120, in the process of opening the loan account, predetermined customer information, loan application information, tax refund collateral setting information and tax refund account for opening the loan account. Provide a loan account opening electronic document including at least one information to the electronic document server 100 through a predetermined communication means, and correspondingly the electronic document server 100 stores the loan account opening electronic document It is preferable.

In this case, the loan account opening electronic document includes a function of securing a free and non-repudiation for the loan account.

The loan operation server 110 is linked with a terminal device including at least one of a terminal terminal provided in a branch (or branch) of a financial institution, or a client terminal including a wired terminal or a wireless terminal connected through a predetermined communication network. When the loan principle of the loan account is insufficient, the deposit request for the insufficient loan principle of the loan account through the terminal device, and repays the predetermined amount deposited into the loan account as the loan principle of the loan account; It is characterized by operating.

The financial system is characterized by having ledger information corresponding to the loan account opened by the loan processing server (105, 120), and the computerization of the loan account in conjunction with the loan management server 110 It is characterized by performing functions such as processing and ledger.

According to the implementation method of the present invention, the financial system is open to at least one financial transaction customer at least one loan account, the computer system provided in the financial institution to provide at least one financial transaction service based on the loan account A system comprising: an accounting system for processing a windowing service such as a credit or a reception occurring in at least one branch office (or a window), an information system for processing a headquarters business, a branch office information support, and a customer information management; Interconnection between 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, telebanking, TV banking, etc.) to access the financial system, or at least And an external system that provides various 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. Stores and manages interface modules corresponding to the middleware platform and predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in the components of the financial system. It is preferred to have a DBMS (DataBase Management System) comprising at least one or more databases.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one loan account to at least one financial transaction customer, to provide at least one financial transaction service based on the loan account And a ledger D / B 115 for storing at least one ledger, wherein the ledger D / B 115 performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific (or supplementing) the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 115 according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to the ledger information, each ledger information is stored in a relational manner, or predetermined 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.

Referring to FIG. 1 according to the embodiment of the present invention, the loan processing server 105 and 120 and the loan operation server 110 are illustrated as being configured as separate servers, but the server configuration of the present invention is It is not limited to the loan processing server 105, 120 and the loan management server 110, the loan processing server 105, 120 and the loan management server 110 is formed as a single server, or provided in each server It is possible to implement in the form of a separate server (or device) to the program module provided in each server for each functional configuration, it will be apparent that the present invention is not limited thereby.

2 is a diagram illustrating a system for establishing a face-to-face tax refund mortgage loan account for a loan application for secured tax refund according to one embodiment of the present invention.

In more detail, Figure 2 is a window provided to a predetermined financial institution by a predetermined customer to prepare a loan application including at least one predetermined customer information, loan application information, tax refund collateral setting information and tax refund account information When submitted to the financial institution, based on the tax refund loan application information corresponding to the loan application, the financial institution opens a tax refund mortgage loan account for the loan application as a security, and the tax refund share A system configuration for storing tax refund loan operation information for managing a mortgage loan account in a predetermined storage medium 275. If a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. Or, it is possible to modify the tax refund mortgage lending account opening system for loan application with the tax refund mortgage. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs, the tax refund mortgage loan account omitting the method of storing the loan account opening electronic document in the electronic document repository by referring to or modifying the drawing 2. It is possible to infer the establishment of the establishment system, and in addition to the implementation method shown in FIG. 2, in the case of storing the loan account opening electronic document in the electronic document storage, the electronic document storage system establishes the tax refund collateral loan account opening system. Although it is possible to infer an implementation method provided in a DBMS located in the present invention, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, in the implementation method for generating the loan account opening electronic document as shown in FIG. 2, a loan account opening electronic document corresponding to the loan application is generated on the server side on the tax refund mortgage loan account opening system. The present invention is not limited thereto, but the loan account opening electronic document may be generated at a terminal that acquires image content corresponding to the loan application through a predetermined image obtaining apparatus. For example, the electronic document generation function provided at the server side is provided at the terminal side to generate the loan account opening electronic document), thereby the present invention is not limited thereto.

Hereinafter, in response to the loan application created by the customer and the tax refund loan application information on the tax refund secured loan account opening system shown in FIG. A loan corresponding to a refund mortgage loan account, and at least one means for generating a predetermined loan account opening electronic document and storing it in a predetermined electronic document storage or a component corresponding to a functional configuration is conveniently referred to as a "loan processing server ( 105). "

Referring to this drawing 2 according to the embodiment of the present invention, the tax refund mortgage loan account opening system for the loan application for the tax refund as collateral, the window provided in at least one branch (or branch) of the financial institution And a terminal device including a terminal, wherein the terminal device is connected to a loan processing server 105 provided on the tax refund mortgage loan account opening system through a predetermined financial network. do.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for a loan application for the tax refund, and (or through a window provided at the financial institution branch branch). A document with a form to fill in at least one information item for a loan application (for example, a loan application with the tax refund as collateral) through the counter clerk. In this case, it is preferable that the customer seal the seal of the customer for the legal basis for the loan application.

Subsequently, when the customer submits the completed loan application to the teller, the teller scans the loan application through a predetermined image acquisition device to obtain predetermined image content, and through the predetermined teller terminal, the loan application. Enter (or select) tax refund loan application information including at least one image content acquired in response to the request, customer information, loan application information, tax refund collateral setting information, and tax refund account information entered in the loan application; In response, the counter terminal preferably transmits the image contents and the tax refund loan application information to the loan processing server 105 provided on the tax refund mortgage loan account opening system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the loan processing server 105 connected to the window terminal is provided on the predetermined financial system It is preferable to include a server (eg, a ledger server, etc.), and the financial network connecting the teller terminal and the loan processing server 105 connects the communication channel between the teller terminal and the loan processing server 105. It is preferable to comprise a network.

In the system for establishing a tax refund collateral loan account as described above, an image acquisition device for acquiring image contents corresponding to a loan application prepared by the customer, a teller terminal used by the employee, the teller terminal, and the loan processing server ( The financial network connecting 105 performs a function of a tax refund secured loan account opening interface for registering the tax refund loan application information for the customer to apply for a loan for which the tax refund is secured.

The storage medium 275 provided on the tax refund mortgage loan account opening system according to the present invention includes the customer information, loan account information, and loan approval information included in the tax refund loan application information provided from the terminal device. And it is characterized in that for storing the tax refund portion loan operation information including at least one or more tax refund collateral setting information and tax refund account information.

According to the embodiment of the present invention, the tax refund loan operation information includes customer information for opening the tax refund mortgage loan account through the tax refund loan application information, and a loan account for the tax refund mortgage loan account. Information, loan approval information for the loan application information of the tax refund loan application information, tax deduction item information necessary for setting up the security of the tax refund mortgage loan account, item deduction information, customer approval information, etc. Preferably, the tax refund collateral information is set to include at least one or more tax refund account information including an account number for the tax refund of the tax refund mortgage loan account through the application information.

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). The member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the tax refund mortgage loan account opening system in response to the customer; It is preferable to include one or more.

The loan account information is the loan account information corresponding to the tax refund mortgage loan account opened through the tax refund loan application information, and the loan account information is an account number corresponding to the tax refund mortgage loan account. It is preferable to include at least one or more, name of the lender.

The loan approval information is information corresponding to loan application information in the tax refund portion loan application information. The loan approval information may include at least one or more of a loan amount, a loan period, a loan interest rate, and the like. The loan interest rate of the loan approval information is determined based on the loan application amount included in the loan application information in the loan application information, the tax application period and the tax deduction item information included in the tax refund collateral setting information, and the deduction information for each item. It is characterized by.

The tax refund collateral setting information may include at least one or more tax deduction item information, item-specific deduction information, and customer approval information corresponding to the customer.

Here, the tax deduction item information included in the tax refund collateral setting information is information on the tax refundable deduction item, the basic deduction items (eg, deduction of spouses, deduction of dependents, etc.) and additional deduction items ( For example, disability deduction, preferential deduction, and special deductions (e.g., insurance deduction, medical deduction, education deduction, housing fund deduction, special donation deduction, marriage expense deduction, funeral deduction, moving expenses deduction, etc.) and tax reduction It is preferable to include at least one deduction item (e.g., foreign tax payment deduction, taxpayer's deduction, interest tax repayment interest tax deduction, deduction of donated political funds, deduction of earned income tax, etc.). Are only listed as examples and are not limited to the deductions shown in this Practice. Various deductions may be made, and it is clear that the present method is not limited thereto.

In addition, the item-specific deduction information included in the tax refund collateral setting information is information on the deduction of items in the tax deduction item information of the tax refund mortgage loan account, cash receipts that can know the history of cash And at least one or more including the card number and the like to know the details of card usage is preferably made.

In addition, the customer approval information included in the tax refund collateral setting information preferably comprises at least one or more information that agrees to repay the tax refund amount as a loan principle for the tax refund mortgage loan account. Do.

The tax refund account information is information for repaying the loan principle for the tax refund mortgage loan account, and preferably includes an account number, a name of a borrower, and the like in which the tax refund amount of the customer is deposited. The account number of the account information may be used as the account number of the tax refund account information.

According to an embodiment of the present invention, the storage medium 275 is provided in a DBMS on a financial system provided on the tax refund secured loan account opening system (or associated with the tax refund secured loan account opening system). In this case, the storage medium 275 may be a ledger D / B 115 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 115, Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 275 is provided with (or linked to) an internet banking system, or a telebanking system, or a wireless banking system provided on the tax refund secured loan account opening system, or It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The loan processing server 105 provided on the tax refund mortgage loan account opening system according to the present invention is a generic term for the component of the tax refund mortgage loan account opening system connected to the terminal device through a predetermined financial network. It may be implemented by including at least one server (or 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 terminal device is a teller terminal connected to a predetermined financial network, the loan processing server 105 is a ledger provided on a finance system connected to the teller terminal through a predetermined financial network. It may be a server, 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 loan processing server 105 is provided with an interface unit (or interface means) 200 for connecting and managing a predetermined communication channel with the terminal device through the financial network. It is done.

According to an embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the interface unit 200 establishes a communication channel with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 2, when the predetermined terminal device connects a predetermined communication channel with the loan processing server 105 through the interface unit 200, the loan processing server 105 receives the tax refund amount. Acquisition of image contents corresponding to the loan application written by the customer through a predetermined image acquisition device provided in the terminal device for loan application as collateral, and input tax refund loan application information corresponding to the loan application ( Or) generating (or extracting) at least one user interface for transmitting to the loan processing server 105, and generating the generated (or extracting) user interface in association with the interface unit 200. An interface providing unit (or interface providing means) 205 for providing the loan through the user interface in the terminal apparatus; Information receiving unit (or information) for receiving the tax refund loan application information transmitted from the terminal device in connection with the interface unit 200 when inputting (or selecting) the tax refund loan application information corresponding to the blue book. Receiving means) 210 and, if the terminal device obtains and transmits the image content corresponding to the loan application written by the customer through a predetermined image acquisition device based on the user interface, the interface unit 200 is linked. And an image receiving unit (or image receiving means) 215 for receiving image contents corresponding to the loan application.

The interface providing unit 205 connects a predetermined communication channel with the loan processing server 105 through the interface unit 200, and then provides the tax refund portion to the loan processing server 105. When requesting a user interface for a loan application to be secured, an image content corresponding to the loan application created by the customer is obtained through a predetermined image acquisition device provided in the terminal device, and the tax refund corresponding to the loan application is obtained. Input (or select) the minute loan application information to generate at least one user interface for transmitting to the loan processing server 105 through the financial network, or extract from a predetermined database (not shown), the interface unit Providing the generated (or extracted) user interface to the terminal device through the financial network in cooperation with 200. It is characterized by.

According to another exemplary embodiment of the present invention, the terminal apparatus acquires image contents corresponding to the loan application written by the customer through a predetermined image acquisition device, and inputs tax refund loan application information corresponding to the loan application (or Selects a predetermined information registration program having at least one user interface for transmitting to the loan processing server 105 through the financial network. Obtain (or extract) a user interface for acquiring image contents corresponding to the created loan application, inputting (or selecting) tax refund loan application information corresponding to the loan application, and transmitting the same to the loan processing server 105. The interface providing unit 205 provided to the terminal device may be omitted. , To which the present invention is not limited.

Thereafter, the terminal apparatus inputs (or selects) tax refund loan application information including at least one of the customer information, loan application information, tax refund collateral setting information, and tax refund account information through the user interface. Input (or selected) tax refund loan application information is transmitted to the loan processing server 105 through the financial network, and correspondingly, the information receiving unit 210 is connected to the interface unit 200 in response to the terminal. And receiving the tax refund loan application information transmitted from the device.

According to one embodiment of the present invention, the tax refund loan application information is preferably made of customer information, loan application information, tax refund collateral setting information, tax refund account information and the like.

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). The member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the tax refund mortgage loan account opening system in response to the customer; It is preferable to include one or more.

The loan application information is information on the tax refund mortgage loan account desired by the customer, and preferably comprises at least one or more loan application amount, loan application period, loan application interest rate and the like.

The tax refund collateral setting information may include at least one or more tax deduction item information, item-specific deduction information, customer approval information, etc. for setting the security of the tax refund collateral loan account.

Here, the tax deduction item information included in the tax refund collateral setting information is information on the tax refundable deduction item, the basic deduction items (eg, deduction of spouses, deduction of dependents, etc.) and additional deduction items ( For example, disability deduction, preferential deduction, and special deductions (e.g., insurance deduction, medical deduction, education deduction, housing fund deduction, special donation deduction, marriage expense deduction, funeral deduction, moving expenses deduction, etc.) and tax reduction It is preferable to include at least one deduction item (e.g., foreign tax payment deduction, taxpayer deduction, interest tax repayment of unsold housing acquisition, interest tax deduction, donation political fund tax deduction, etc.). Are only listed as examples and are not limited to the deductions shown in this Practice. Will be able to put a minus items, bayida put out clearly the method of the embodiment without limitation.

In addition, the item-specific deduction information included in the tax refund collateral setting information is information on the deduction of the items in the tax deduction item information of the tax refund mortgage loan account, cash receipts that can know the details of cash use And at least one or more including the card number and the like to know the details of card usage is preferably made.

In addition, the customer approval information included in the tax refund collateral setting information preferably comprises at least one or more information that agrees to repay the tax refund amount as a loan principle for the tax refund mortgage loan account. Do.

The tax refund account information is information for repaying the loan principle for the tax refund mortgage loan account, and preferably includes an account number, a name of a borrower, and the like in which the tax refund amount of the customer is deposited. The account number of the account information may be used as the account number of the tax refund account information.

In addition, the terminal device obtains the image content corresponding to the loan application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network through the loan processing server ( 105. In response thereto, the image receiving unit 215 receives the image content corresponding to the loan application in association with the interface unit 200.

According to another embodiment of the present invention, a predetermined storage device provided in (or associated with) the terminal device by obtaining image content corresponding to the loan application written by the customer through a predetermined image acquisition device in the terminal device. The terminal device selects image contents corresponding to the loan application written by the customer from at least one or more image contents previously stored in the storage device through the user interface, and stores the loan processing server through the financial network. In response thereto, the image receiving unit 215 may receive image contents corresponding to the loan application in association with the interface unit 200.

According to another embodiment of the present invention, when the terminal device transmits the image content corresponding to the loan application written by the customer and the tax refund portion loan application information corresponding to the loan application through the user interface, The information receiving unit 210 may receive the image content corresponding to the loan application and the tax refund loan application information together with the interface unit 200 (for example, the image receiving unit 210 receives the image receiving unit). Integrated operation), whereby the present invention is not limited.

Referring to FIG. 2, when the loan processing server 105 receives the tax refund loan application information transmitted from the terminal device through the information receiver 210, the loan tax refund application information is received. Characterized in that it comprises a validity verification unit (or validity confirming means) 220 to check whether the validity for the loan application as a security refund tax.

According to the method of the present invention, the validity of the tax refund loan application information is the tax refund loan application information to the ledger D / B 115 on the financial system linked to the tax refund mortgage loan account opening system It is preferable to include a check whether at least one or more ledger information is matched with.

For example, the validity of the tax refund loan application information is the information contained in the tax refund loan application information, the customer information (customer information, personal information, etc.) is the tax refund mortgage loan account opening system It is preferably made to include matching with the customer ledger stored in the ledger D / B 115 on the financial system associated with.

Referring to FIG. 2, the loan processing server 105 receives the image content transmitted from the terminal device through the image receiving unit 215, and applies for the tax refund loan application through the validity checking unit 220. When the validity of the information is authenticated, an electronic document generating unit (or electronic document generating means) 225 for generating a predetermined loan account opening electronic document including the received image content, and the generated loan account opening electronic document. It characterized in that it comprises an electronic document transmission unit (or electronic document transmission means) 230 for transmitting to the electronic document repository associated with the tax refund mortgage loan account opening system.

The electronic document generation unit 225 generates a loan account opening electronic document including the image content received from the terminal device through the image receiving unit 215.

According to an exemplary embodiment of the present invention, the electronic document generator 225 may secure the tax refund portion as an image file including the image content received from the terminal device through the image receiver 215 as it is. It is advisable to process the loan account electronic documents for loan application.

Alternatively, the electronic document generator 225 may include customer information included in the tax refund loan application information received through the information receiver 210 in the image content received from the terminal apparatus through the image receiver 215. And an image file corresponding to the image content including at least one or more of the loan application information, the tax refund collateral setting information, and the tax refund account information by the watermarking method. It is desirable to create a loan account electronic document.

According to another exemplary embodiment of the present invention, the electronic document generating unit 225 may include a predetermined document file (eg, PDF (Portable Document) including the image content received from the terminal device through the image receiving unit 215. Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create a loan account electronic document for loan application.

Alternatively, the electronic document generator 225 may include customer information included in the tax refund loan application information received through the information receiver 210 in the image content received from the terminal apparatus through the image receiver 215. And generate image contents including at least one or more of the loan application information, the tax refund collateral setting information, and the tax refund account information by a watermarking method, and include a predetermined document file including the generated image contents (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to create an electronic document for opening a loan account for loan application with mortgage.

According to another exemplary embodiment of the present invention, the electronic document generator 225 receives the image content received from the terminal device through the image receiver 215 and the tax refund received through the information receiver 210. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing the loan application information, or an MHT By generating a web document file, etc.), it is preferable to generate an electronic document for opening a loan account for loan application secured for the tax refund amount.

Alternatively, the electronic document generator 225 may include customer information included in the tax refund loan application information received through the information receiver 210 in the image content received from the terminal apparatus through the image receiver 215. And generate image contents including at least one or more information of loan application information, tax refund collateral setting information, and tax refund account information by a watermarking method, and generate the generated image content and the tax refund loan application information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By creating a loan account electronic document for the loan application for the tax refund. It is right.

Those skilled in the art to which the present invention pertains, technical features that the electronic document generation unit 225 generates a loan account opening electronic document of the image file format or a predetermined document file format, and the loan account opening Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 230 transmits and stores the loan account opening electronic document generated by the electronic document generating unit 225 to a predetermined electronic document repository associated with the tax refund secured loan account opening system. It is characterized by.

As shown in FIG. 2, the electronic document repository is connected with a loan processing server 105 on the tax refund secured loan opening system and a predetermined electronic document server 100 and an electronic document D linked through predetermined communication means. When provided to the outside including / B (270), the electronic document transmission unit 230 is the electronic document opening electronic document generated by the electronic document generation unit 225 through the communication means the electronic document Characterized in that the transmission to the server (100).

Here, when the electronic document server 100 and the electronic document D / B 270 is provided outside the tax refund mortgage loan account opening system, the electronic document server 100 and the electronic document D / B 270 is preferably managed by an accredited agency.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the tax refund mortgage loan account opening system, the electronic document transmission unit 230 is connected to the electronic document generation unit 225. It is possible to store the electronic document opening electronic document generated by the electronic document D / B 270 corresponding to the electronic document storage on the DBMS provided in the tax refund mortgage loan account opening system, whereby the present invention It is not limited.

According to the method of the present invention, the electronic document transmission unit 230 is electronic document related information for generating predetermined electronic document management information in the electronic document server 100 (for example, loan application corresponding to the image content) It is possible to send to the electronic document repository further comprises the customer information, or the financial institution information, or the electronic document file format information, or the tax refund loan application information for transmitting the loan account opening electronic document. The present invention is not limited thereby.

Referring to Figure 2, the loan processing server 105 is a loan application for the tax refund portion loan application information received through the information receiving unit 210 as the collateral for the tax refund portion through the validity check unit 220 When the validity for the authentication is verified, the customer information and loan application information and the loan information based on the customer information, loan application information, tax refund collateral setting information and tax refund account information included in the tax refund portion loan application information is validated An information generator (or information generating means) 235 for generating the tax refund loan operation information based on the tax refund collateral setting information and the tax refund account information, and the tax refund based on the tax refund loan operation information Approves the loan of the mortgage loan account, approves the determination of the interest rate of the tax refund mortgage loan account, and the tax refund mortgage loan account. A loan approval unit (or loan approval means) 250 that approves the processing of the tax refund portion as collateral, and a loan to open and process the tax refund mortgage loan account under the customer's name including the tax refund loan operation information. It is characterized by comprising a processing unit (or loan processing means) 240.

When the validity of the tax refund loan application information is confirmed by the validity confirmation unit 220, the information generation unit 235 is the customer information and loan application information and tax refund included in the tax refund loan application information The tax refund loan operation information is generated based on the collateral setting information and the tax refund account information.

The loan approval unit 250 approves the loan application of the tax refund security loan account based on the loan approval information included in the tax refund loan operation information, and determines the loan interest rate of the tax refund security loan account. Approved, and based on the tax refund collateral setting information and the tax refund account information included in the tax refund loan operation information, the security process for the tax refund portion of the tax refund account information is approved.

The loan processing unit 240 generates a customer ledger including the customer information included in the application information for the application for opening a tax refund mortgage loan account in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the tax refund loan operation information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby applying the information to the tax refund loan application information. Correspondingly, a predetermined tax refund mortgage loan account for the loan application for which the tax refund is secured is opened.

When the loan processing server 105 and the financial system exist in the same system according to an exemplary embodiment of the present invention, the loan processing unit 240 returns the tax to the ledger D / B 115 in association with the financial system. It is desirable to create a predetermined ledger containing minute loan operation information.

According to another exemplary embodiment of the present invention, when the loan processing server 105 and the financial system exist on another system connected through a predetermined communication means, the loan processing unit 240 may perform the predetermined communication means. It is preferable to request the general ledger D / B 115 on the other financial system to generate a predetermined ledger including the tax refund loan operation information through the external system on the financial system.

Referring to Figure 2, the loan processing server 105 is a loan application for the tax refund portion loan application information received through the information receiving unit 210 as the collateral for the tax refund portion through the validity check unit 220 If the validity for the authentication, the tax information including at least one or more of the customer information, loan account information, loan approval information, tax refund collateral setting information and tax refund account information included in the tax refund portion loan application information is validated And an information storage unit (or information storage means) 245 for storing refund loan operation information in a predetermined storage medium 275.

When the validity of the tax refund loan application information is confirmed by the validity confirmation unit 220, the information storage unit 245 is the customer information and loan account information and loan included in the tax refund loan application information And a tax refund loan operation information including at least one of approval information, tax refund collateral setting information, and tax refund account information in the storage medium 275.

According to an embodiment of the present invention, when the storage medium 275 is provided in the loan processing server 105 or on the network associated with the loan processing server 105, the information storage unit 245 The store the tax refund loan operation information including at least one of the customer information, loan account information, loan approval information, tax refund collateral setting information and tax refund account information included in the received tax refund loan application information It is desirable to store in the medium 275.

According to another embodiment of the present invention, when the storage medium 275 is provided in the DBMS provided on the financial system, the information storage unit 245 is the customer included in the received tax refund loan application information Provides information on the loan system, including information on loans, loan approval information, tax refund collateral setting information and tax refund account information, and provides information on loans through the external system on the financial system. It is preferable to store in the DBMS.

Referring to FIG. 2, a predetermined loan account opening electronic document is received from the loan processing server 105 provided on the tax refund mortgage loan account opening system, and stored in a predetermined electronic document D / B 270. The electronic document server 100 to manage includes an electronic document receiver (or electronic document receiving means) 255 for receiving a predetermined loan account opening electronic document from the loan processing server 105 through a predetermined communication means, and An information generation unit (or information generating means) 260 for generating predetermined electronic document management information for storing and managing the received loan account opening electronic document in the electronic document D / B 270; And an electronic document storage unit (or electronic document storage means) 265 for storing information in the electronic document D / B 270 by linking the information with the loan account opening electronic document.

The electronic document receiving unit 255 is characterized in that for receiving the loan account opening electronic document in the form of an image file or a document file from the loan processing server 105 through the communication means.

According to an embodiment of the present invention, the electronic document receiving unit 255, the loan account opening electronic document received through the communication means is an image containing the image content received by the loan processing server 105 from the terminal device It is preferable to include the file as it is.

Alternatively, the electronic document receiving unit 255, the loan account opening electronic document received through the communication means is included in the tax refund portion loan application information in the image content received by the loan processing server 105 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, loan application information, tax refund collateral setting information, and tax refund account information by the watermarking method.

According to another embodiment of the present invention, a loan account opening electronic document received by the electronic document receiving unit 255 through the communication means includes an image content received by the loan processing server 105 from the terminal device. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

Alternatively, the electronic document receiving unit 255, the loan account opening electronic document received through the communication means is included in the tax refund portion loan application information in the image content received by the loan processing server 105 from the terminal device. A predetermined document file (e.g., Portable Document Format (PDF)) containing image content including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information in a watermarking manner. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

According to another embodiment of the present invention, a loan account opening electronic document received by the electronic document receiving unit 255 through the communication means includes an image content received by the loan processing server 105 from the terminal device and the electronic document. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the tax refund loan application information, or an MHT. It is preferable that the web document file including a).

Alternatively, the electronic document receiving unit 255, the loan account opening electronic document received through the communication means is included in the tax refund portion loan application information in the image content received by the loan processing server 105 from the terminal device. Image files including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information in a watermarking manner, and a predetermined document file including the tax refund loan application information ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) may be included. Do.

The information generating unit 260 is a predetermined electronic document unique number (or unique information) to be assigned to the loan account opening electronic document received through the electronic document receiving unit 255, and through the electronic document receiving unit 255 And generating electronic document management information including electronic document storage date and time information including a date and time at which a loan account opening electronic document is received (or a date and time at which the loan account opening electronic document is stored).

According to the exemplary embodiment of the present invention, the information generating unit 260 opens the loan account with reference to the loan processing server 105 which has transmitted the loan account opening electronic document received through the electronic document receiving unit 255. It is preferable to identify the financial institution that transmitted the electronic document and to generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the loan processing server 105 through the electronic document receiving unit 255, the information generating unit 260 receives the received information. Electronic document-related information (e.g., customer information for making a loan application corresponding to the image content, financial institution information for transmitting the loan account opening electronic document, electronic document file format information, or tax refund loan application information, etc.) It is preferable to generate the electronic document management information further comprising a).

The electronic document storage unit 265 associates a loan account opening electronic document received through the electronic document receiving unit with electronic document management information generated through the information generating unit 260 to process a predetermined electronic document D / B ( 270).

According to the exemplary embodiment of the present invention, the loan account opening electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 is received by the loan processing server 105 from the terminal device. It is preferable that the image file including the image content is included as it is.

Alternatively, the loan account opening electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 may include the tax on the image content received by the loan processing server 105 from the terminal device. Including image files corresponding to image contents including at least one of customer information included in the refund application information, loan application information, tax refund collateral setting information, and tax refund account information in a watermarking manner; It is preferable to make.

According to another exemplary embodiment of the present invention, a loan account opening electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 is received by the loan processing server 105 from the terminal device. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing an image content, or an MHT Web document files).

Alternatively, a loan account opening electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 may include the tax refund on the image content received by the loan processing server 105 from the terminal device. A predetermined document file including image contents including at least one of customer information included in the loan application information, loan application information, tax refund collateral setting information, and tax refund account information in a watermarking manner (eg, A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to another exemplary embodiment of the present invention, a loan account opening electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 is used by the loan processing server 105 from the terminal device. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the received image content and the tax refund loan application information. Word processor files, or web document files containing MHT).

Alternatively, a loan account opening electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 may include the tax refund on the image content received by the loan processing server 105 from the terminal device. Image information including at least one or more of the customer information included in the loan application information, loan application information, tax refund collateral setting information and tax refund account information by the watermarking method and the tax refund loan application information A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 270 by the electronic document storage unit 265 in association with the loan account opening electronic document is the loan account opening electronic. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 270 by processing the electronic document storage unit 265 in association with the loan account opening electronic document is the loan account opening. Preferably, the information further includes financial institution information that transmits the loan account opening electronic document identified with reference to the loan processing server 105 that transmits the electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the loan processing server 105, the electronic document storage unit 265 performs a process of linking with the loan account opening electronic document. The electronic document management information stored in the electronic document D / B 270 may be configured to transmit the electronic document related information (for example, customer information for which a loan application corresponding to the image content is created, or the loan account opening electronic document). Financial institution information, electronic document file format information, or the tax refund loan application information).

3 is a diagram illustrating an implementation method in which a storage medium for storing tax refund loan operation information corresponding to a tax refund mortgage loan account opened in a face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system; to be.

In more detail, FIG. 3 illustrates the case where the storage medium 275 shown in FIG. 2 is the ledger D / B 115 provided in the DBMS on the financial system, or the ledger D / B 115 is provided. As the information structure for one embodiment of the method for storing the tax refund loan operation information is stored in the ledger information provided in the ledger D / B 115, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the drawing 3, it is possible to infer various information configuration methods for storing the tax refund loan operation information in the ledger D / B 115, but the present invention includes all the implementation methods inferred However, the present invention is not limited to the implementation method shown in FIG.

Referring to Figure 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 115 provided in the DBMS on the financial system is associated with a predetermined customer ledger, and the customer ledger, It is illustrated that the account ledger corresponding to the tax refund secured loan account opened through the illustrated tax refund secured loan account opening system and at least one information associated with the account ledger are included. If one of ordinary skill in the field, the ledger D / B 115 provided in the DBMS on the financial system includes at least one ledger (for example, a ledger, loan ledger, etc.) in addition to the customer ledger and account ledger shown in FIG. , Collateral ledger, ... etc.) or at least one additional information for maintaining and managing the ledgers. Since you will be familiar with the specific technical matters, the 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 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 ledger is linked to the customer ledger in a relational manner, the ledger corresponding to the tax refund mortgage loan account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit, final withdrawal amount It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. ), Periodical reception information including at least one or more of a period (days), an extension period, an expiration date, and a target amount, or an account number, an amount of trust, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust receipt information containing at least one, or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction Transaction information including at least one bank account line, summary, CIF, 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 account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 3, the storage medium 275 includes the ledger D / B 115 or an implementation method provided in the ledger D / B 115 according to an embodiment of the present invention. At least the customer information, loan account information, loan approval information, tax refund collateral setting information, and tax refund account information included in the tax refund loan application information provided through the tax refund loan security account opening system shown in FIG. Characterized in that it is stored in the form of additional information added to the account ledger for the tax refund loan operation information including one or more.

According to the embodiment of the present invention, the tax refund loan operation information includes customer information for opening the tax refund mortgage loan account through the tax refund loan application information, and a loan account for the tax refund mortgage loan account. Information, loan approval information for the loan application information of the tax refund loan application information, tax deduction item information necessary for setting up the security of the tax refund mortgage loan account, item deduction information, customer approval information, etc. It is preferable to include at least one or more tax refund account information including the account number for the tax refund of the tax refund mortgage loan account through the tax refund collateral setting information and the tax refund loan application information, in this figure 3 The customer information is included in the customer ledger, the loan account information is the account source It will be included in the chapter, so it is omitted for convenience.

The loan approval information is information corresponding to loan application information in the tax refund portion loan application information. The loan approval information may include at least one or more of a loan amount, a loan period, a loan interest rate, and the like. The loan interest rate of the loan approval information is determined based on the loan application amount included in the loan application information in the loan application information, the tax application period and the tax deduction item information included in the tax refund collateral setting information, and the deduction information for each item. It is characterized by.

The tax refund collateral setting information may include at least one or more tax deduction item information, item-specific deduction information, customer approval information, etc. for setting the security of the tax refund collateral loan account.

Here, the tax deduction item information included in the tax refund collateral setting information is information on the tax refundable deduction item, the basic deduction items (eg, deduction of spouses, deduction of dependents, etc.) and additional deduction items ( For example, disability deduction, preferential deduction, and special deductions (e.g., insurance deduction, medical deduction, education deduction, housing fund deduction, special donation deduction, marriage expense deduction, funeral deduction, moving expenses deduction, etc.) and tax reduction It is preferable to include at least one deduction item (e.g., foreign tax payment deduction, taxpayer deduction, interest tax repayment of unsold housing acquisition, interest tax deduction, donation political fund tax deduction, etc.). Are only listed as examples and are not limited to the deductions shown in this Practice. Will be able to put a minus items, bayida put out clearly the method of the embodiment without limitation.

In addition, the item-specific deduction information included in the tax refund collateral setting information is information on the deduction of items in the tax deduction item information of the tax refund mortgage loan account, cash receipts that can know the history of cash And at least one or more including the card number and the like to know the details of card usage is preferably made.

In addition, the customer approval information included in the tax refund collateral setting information preferably comprises at least one or more information that agrees to repay the tax refund amount as a loan principle for the tax refund mortgage loan account. Do.

The tax refund account information is information for repaying the loan principle for the tax refund mortgage loan account, and preferably includes an account number, a name of a borrower, and the like in which the tax refund amount of the customer is deposited. The account number of the account information may be used as the account number of the tax refund account information.

According to another exemplary embodiment of the present invention, the tax refund loan application information is stored in the form of information included in the account ledger (not shown), or added to another ledger other than the account ledger (for example, the customer ledger). It is possible to be stored in the form of additional information, or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

4 is a storage medium for storing tax refund loan operation information corresponding to a tax refund secured loan account opened in a face-to-face manner according to another embodiment of the present invention; A diagram illustrating an implementation method including an associated database.

In more detail, FIG. 4 is an information structure for an embodiment in which the storage medium 275 shown in FIG. 2 includes a predetermined database linked to the ledger D / B 115 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 4 to link the tax refund loan operation information to the ledger D / B 115 in a predetermined database. Although various information construction methods for processing and storing may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 4 shows that when it is not easy to store the tax refund loan operation information in the ledger information of the ledger D / B 115 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the DBMS). It is not easy to change the ledger D / B 115, or the system expansion is not easy due to the nature of the financial system), and loan the tax refund to a predetermined database instead of the ledger D / B 115. It shows an implementation method of storing the operation information, and the database and the ledger D / B 115 in a cooperative process.

In addition, the database shown in FIG. 4 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 4, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 4, the storage medium 275 includes a database associated with the ledger D / B 115 provided in a DBMS on a financial system. And store the tax refund loan operation information including at least one of the customer information, the loan account information, the loan approval information, the tax refund collateral setting information, and the tax refund account information included in the minute loan application information. It is preferable that the tax refund loan operation information further includes a CIF number corresponding to the ledger information in the tax refund loan operation information to be processed in connection with the ledger D / B 115.

According to the embodiment of the present invention, the tax refund loan operation information includes customer information for opening the tax refund mortgage loan account through the tax refund loan application information, and a loan account for the tax refund mortgage loan account. Information, loan approval information for the loan application information of the tax refund loan application information, tax deduction item information necessary for setting up the security of the tax refund mortgage loan account, item deduction information, customer approval information, etc. Preferably, the tax refund collateral information is set to include at least one or more tax refund account information including an account number for the tax refund of the tax refund mortgage loan account through the application information.

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). The member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the tax refund mortgage loan account opening system in response to the customer; It is preferable to include one or more.

The loan account information is the loan account information corresponding to the tax refund mortgage loan account opened through the tax refund loan application information, and the loan account information is an account number corresponding to the tax refund mortgage loan account. It is preferable to include at least one or more, name of the lender.

The loan approval information is information corresponding to loan application information in the tax refund portion loan application information. The loan approval information may include at least one or more of a loan amount, a loan period, a loan interest rate, and the like. The loan interest rate of the loan approval information is determined based on the loan application amount included in the loan application information in the loan application information, the tax application period and the tax deduction item information included in the tax refund collateral setting information, and the deduction information for each item. It is characterized by.

The tax refund collateral setting information may include at least one or more tax deduction item information, item-specific deduction information, customer approval information, etc. for setting the security of the tax refund collateral loan account.

Here, the tax deduction item information included in the tax refund collateral setting information is information on the tax refundable deduction item, the basic deduction items (eg, deduction of spouses, deduction of dependents, etc.) and additional deduction items ( For example, disability deduction, preferential deduction, and special deductions (e.g., insurance deduction, medical deduction, education deduction, housing fund deduction, special donation deduction, marriage expense deduction, funeral deduction, moving expenses deduction, etc.) and tax reduction It is preferable to include at least one deduction item (e.g., foreign tax payment deduction, taxpayer's deduction, interest tax repayment interest tax deduction, deduction of donated political funds, deduction of earned income tax, etc.). Are only listed as examples and are not limited to the deductions shown in this Practice. Various deductions may be made, and it is clear that the present method is not limited thereto.

In addition, the item-specific deduction information included in the tax refund collateral setting information is information on the deduction of items in the tax deduction item information of the tax refund mortgage loan account, cash receipts that can know the history of cash And at least one or more including the card number and the like to know the details of card usage is preferably made.

In addition, the customer approval information included in the tax refund collateral setting information preferably comprises at least one or more information that agrees to repay the tax refund amount as a loan principle for the tax refund mortgage loan account. Do.

The tax refund account information is information for repaying the loan principle for the tax refund mortgage loan account, and preferably includes an account number, a name of a borrower, and the like in which the tax refund amount of the customer is deposited. The account number of the account information may be used as the account number of the tax refund account information.

Figure 5 is an implementation method comprising a DBMS provided in the banking server a storage medium for storing the tax refund loan operation information corresponding to the tax refund mortgage loan account opened in a face-to-face according to another embodiment of the present invention Figure is a diagram.

In more detail, FIG. 5 shows a DBMS in which a storage medium 275 shown in FIG. As provided in one embodiment, if one of ordinary skill in the art to which the present invention belongs, the tax refund is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the figure 5 It will be possible to infer the information configuration method for the minute loan operation information, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

According to another exemplary embodiment of the present invention, referring to FIG. 5, wherein the storage medium 275 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server applies for the tax refund loan. And store the tax refund portion loan operation information including at least one of the customer information, the loan account information, the loan approval information, the tax refund collateral setting information, and the tax refund account information included in the information.

According to the embodiment of the present invention, the tax refund loan operation information includes customer information for opening the tax refund mortgage loan account through the tax refund loan application information, and a loan account for the tax refund mortgage loan account. Information, loan approval information for the loan application information of the tax refund loan application information, tax deduction item information necessary for setting up the security of the tax refund mortgage loan account, item deduction information, customer approval information, etc. Preferably, the tax refund collateral information is set to include at least one or more tax refund account information including an account number for the tax refund of the tax refund mortgage loan account through the application information.

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). The member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the tax refund mortgage loan account opening system in response to the customer; It is preferable to include one or more.

The loan account information is the loan account information corresponding to the tax refund mortgage loan account opened through the tax refund loan application information, and the loan account information is the account number corresponding to the tax refund mortgage loan account. It is preferable to include at least one or more, name of the lender.

The loan approval information is information corresponding to loan application information in the tax refund portion loan application information. The loan approval information may include at least one or more of a loan amount, a loan period, a loan interest rate, and the like. The loan interest rate of the loan approval information is determined based on the loan application amount included in the loan application information in the loan application information, the tax application period and the tax deduction item information included in the tax refund collateral setting information, and the deduction information for each item. It is characterized by.

The tax refund collateral setting information may include at least one or more tax deduction item information, item-specific deduction information, customer approval information, etc. for setting the security of the tax refund collateral loan account.

Here, the tax deduction item information included in the tax refund collateral setting information is information on the tax refundable deduction item, the basic deduction items (eg, deduction of spouses, deduction of dependents, etc.) and additional deduction items ( For example, disability deduction, preferential deduction, and special deductions (e.g., insurance deduction, medical deduction, education deduction, housing fund deduction, special donation deduction, marriage expense deduction, funeral deduction, moving expenses deduction, etc.) and tax reduction It is preferable to include at least one deduction item (e.g., foreign tax payment deduction, taxpayer deduction, interest tax repayment of unsold housing acquisition, interest tax deduction, donation political fund tax deduction, etc.). Are only listed as examples and are not limited to the deductions shown in this Practice. Various deductions may be made, and it is clear that the present method is not limited thereto.

In addition, the item-specific deduction information included in the tax refund collateral setting information is information on the deduction of items in the tax deduction item information of the tax refund mortgage loan account, cash receipts that can know the history of cash And at least one or more including the card number and the like to know the details of card usage is preferably made.

In addition, the customer approval information included in the tax refund collateral setting information preferably comprises at least one or more information that agrees to repay the tax refund amount as a loan principle for the tax refund mortgage loan account. Do.

The tax refund account information is information for repaying the loan principle for the tax refund mortgage loan account, and preferably includes an account number, a name of a borrower, and the like in which the tax refund amount of the customer is deposited. The account number of the account information may be used as the account number of the tax refund account information.

6A and 6B illustrate a process of opening a tax refund mortgage loan account for a loan application for which the tax refund is secured in a face-to-face manner according to one embodiment of the present invention.

6a and 6b show the terminal device on the tax refund mortgage loan account opening system shown in FIG. 2 at a financial institution branch (or branch), and the loan processing server 105 In the case of having a ledger server (not shown) function in the financial system associated with the counter terminal through a predetermined financial network, a predetermined customer may apply for a tax refund mortgage loan account for a loan application for which the tax refund is secured. To open and fill out a loan application form that includes at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information, the financial institution will pay the tax refund in a face-to-face manner based on the loan application. The system configuration for opening and processing a mortgage loan account, specifically, the customer fills out the loan application When submitted to the counter, the counter terminal acquires a predetermined image content corresponding to the loan application through a predetermined image acquisition device, transmits the predetermined image content to the loan processing server 105, and returns a tax refund corresponding to the loan application. When the loan application information is input (or selected) and transmitted to the loan processing server 105, the loan processing server 105 stores at least the customer information, loan application information, tax refund collateral setting information, and tax refund account information. It illustrates an implementation method of opening and processing the tax refund security loan account based on the tax refund loan application information including one or more.

Those skilled in the art to which the present invention pertains, various implementations of registering the tax refund loan application information to the loan processing server 105 at the window terminal by referring to or modifying the drawings 6a and 6b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 6A and 6B.

For example, although the implementation method shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the loan application and storing it in an electronic document storage, the process may be omitted according to the intention of the skilled person. As such, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 6A and 6B including the electronic document generation and storage process, the teller terminal acquires predetermined image content corresponding to the loan application through a predetermined image acquisition device. Although a user interface for inputting (or selecting) tax refund loan application information corresponding to the loan application is illustrated and provided from the loan processing server 105, a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the loan processing server 105, and thus the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the loan processing server 105 shown in Figure 2 is referred to as "server" for convenience.

Referring to FIGS. 6A and 6B, a loan application including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information for a loan application for which a predetermined customer is a tax refund mortgage is secured. After filling out and submitting, the window terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects a predetermined communication channel to make a loan application for the tax refund corresponding to the loan application. If the user interface request (600), the server corresponding to the user interface for obtaining the predetermined image content corresponding to the loan application written by the customer through the predetermined image acquisition device in the terminal and transmits it to the server Generate (or extract) 605 and generate (or extract) the user interface through the financial network The system transmits the data to the terminal and outputs the data (610).

Thereafter, the terminal acquires image content corresponding to the loan application through a predetermined image acquisition device based on the user interface (615).

If image content corresponding to the loan application is obtained through the image acquisition device (620), the terminal transmits the obtained image content to the server through the financial network (625).

Thereafter, the server inputs (or selects) tax refund loan application information including at least one of customer information corresponding to the loan application matching the image content, loan application information, tax refund collateral setting information, and tax refund account information. And generate (or extract) a user interface for transmission to the server (630), and transmit and output the generated (or extracted) user interface to the terminal through the financial network (635).

Thereafter, the terminal inputs (or selects) tax refund loan application information including at least one of the customer information, loan application information, tax refund collateral setting information, and tax refund account information through the user interface (640). .

If the tax refund loan application information including at least one of the customer information, the loan application information, the tax refund collateral setting information, and the tax refund account information is input (or selected) through the user interface (645), The input (or selection) of the tax refund loan application information is transmitted to the server through the financial network (650).

Thereafter, the server receives and reads the tax refund loan application information including at least one of the customer information, the loan application information, the tax refund collateral setting information, and the tax refund account information through the financial network. The validity of the application information is checked (655).

According to the method of the present invention, the validity of the tax refund loan application information is the tax refund loan application information to the ledger D / B 115 on the financial system linked to the tax refund mortgage loan account opening system It is preferable to include a check whether at least one or more ledger information is matched with.

For example, the validity of the tax refund loan application information is the information contained in the tax refund loan application information, the customer information (customer information, personal information, etc.) is the tax refund mortgage loan account opening system It is preferably made to include matching with the customer ledger stored in the ledger D / B 115 on the financial system associated with.

If the validity of the tax refund loan application information is not authenticated (660), the server generates predetermined loan account error information and transmits it to the terminal (665), corresponding to the tax refund loan application information Do not open a loan account.

On the other hand, if the validity of the tax refund loan application information is authenticated (660), the server generates an electronic document opening a predetermined loan account containing the image content (670).

According to one embodiment of the invention, the server loans the loan application for the loan application as the collateral for the tax refund as the image file including the image content received from the terminal device through the image receiving unit 215 It is preferable to process the opened electronic document.

Alternatively, the server may include customer information, loan application information, and tax included in the tax refund portion loan application information received through the information receiver 210 in the image content received from the terminal device through the image receiver 215. An electronic document for opening a loan account for loan application for the tax refund as an image file corresponding to the image content including at least one of refund security setting information and tax refund account information by watermarking method. It is desirable to produce.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file or EDI file) including the image content received from the terminal device through the image receiving unit 215. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby creating a loan account for loan application to secure the tax refund. It is desirable to create an outlined electronic document.

Alternatively, the server may include customer information, loan application information, and tax included in the tax refund portion loan application information received through the information receiver 210 in the image content received from the terminal device through the image receiver 215. Generate image contents including at least one of refund security setting information and tax refund account information in a watermarking manner, and include a predetermined document file (eg, PDF (Portable Document Format) including the generated image contents. Loan) to secure the tax refund amount by generating a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create an electronic document for opening a loan account for the application.

According to another exemplary embodiment of the present invention, the server includes the image content received from the terminal device through the image receiving unit 215 and the tax refund loan application information received through the information receiving unit 210. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a, it is preferable to generate a loan account opening electronic document for the loan application to secure the tax refund.

Alternatively, the server may include customer information, loan application information, and tax included in the tax refund portion loan application information received through the information receiver 210 in the image content received from the terminal device through the image receiver 215. A predetermined document file including image contents including at least one of refund security setting information and tax refund account information in a watermarking manner, and including the generated image contents and the tax refund loan application information (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is desirable to create an electronic document for opening a loan account for loan application with tax refund.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates a loan account opening electronic document of the image file format or a predetermined document file format, and the image corresponding to the loan account opening electronic document Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated loan account opening electronic document in a predetermined electronic document storage (675).

As shown in FIG. 2, the electronic document repository is connected to a server on the tax refund mortgage loan account opening system with a predetermined electronic document server 100 and an electronic document D / B 270. When provided externally, the server is to transmit the generated loan account opening electronic document to the electronic document server 100 through the communication means to store in the electronic document D / B (270) desirable.

Or, when the electronic document storage is provided on the DBMS provided in the tax refund mortgage loan account opening system, the server includes the generated loan account opening electronic document in the tax refund mortgage loan account opening system. It is possible to store in the electronic document D / B 270 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the loan account opening electronic document in the electronic document storage is performed by linking the generated loan account opening electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B (270).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the loan account opening electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the loan account opening electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information in which a loan application corresponding to the image content is created, financial institution information for transmitting the loan account opening electronic document, or electronic document file format information). , Or the tax refund loan application information).

If the electronic document opening the electronic document is stored in the electronic document storage (680), the server receives the customer information, loan application information, tax refund collateral setting information and tax refund account information included in the tax refund loan application information Based on the tax refund loan operation information is generated (684).

Thereafter, the server approves opening of the tax refund secured loan account based on the tax refund loan operation information (688).

Thereafter, the server connects the tax refund loan operation information with the customer information, the loan application information, the tax refund collateral setting information, and the tax refund account information included in the tax refund loan application information in connection with the financial system. Opening and processing the tax refund mortgage loan account in the name of the customer (692).

According to an embodiment of the present invention, the server generates a customer ledger including the customer information included in the tax refund mortgage loan account opening application information in connection with the financial system (or matched with the customer information, Check the customer ledger), generate predetermined account ledger information including the tax refund loan operation information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, In response to the loan application information, it is characterized in that the processing of opening a predetermined tax refund mortgage loan account for the loan application as the security of the tax refund.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes the tax refund loan operation information in the ledger D / B 115 in association with the financial system. It is desirable to create an account ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 115 on the financial system to generate a predetermined ledger including the tax refund loan operation information.

Thereafter, the server receives tax refund loan operation information including at least one of the customer information, loan account information, loan approval information, tax refund collateral setting information, and tax refund account information included in the tax refund loan application information. It is generated and stored in a predetermined storage medium (275) (696)

According to an embodiment of the present invention, when the storage medium 275 is provided in the server or on the network associated with the server, the server includes the customer included in the received tax refund loan application information. Preferably, the storage medium 275 stores tax refund loan information including at least one information, loan account information, loan approval information, tax refund collateral setting information, and tax refund account information.

According to another exemplary embodiment of the present invention, when the storage medium 275 is provided in the DBMS provided on the financial system, the server includes the customer information and the loan account information included in the received tax refund loan application information. And providing tax refund loan operation information including at least one loan approval information, tax refund collateral setting information, and tax refund account information as an information system through an external system on the financial system and storing it in a DBMS provided on the financial system. It is preferable.

Thereafter, the server may provide predetermined tax refund collateral loan account opening history information (for example, the tax refund collateral loan account opening history, or details of storing the loan account opening electronic document in the electronic document storage, or the storage medium). In step 275, the details of storing the tax refund loan application information) are generated (or extracted) and transmitted to the terminal (699).

According to an embodiment of the present invention, the storage medium 275 is provided in a DBMS on a financial system provided on the tax refund secured loan account opening system (or associated with the tax refund secured loan account opening system). In this case, the storage medium 275 may be ledger D / B 115 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 115. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the storage medium 275 is provided with (or linked to) an internet banking system, or a telebanking system, or a wireless banking system provided on the tax refund secured loan account opening system, or It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a process for establishing a tax refund collateral loan account for a loan application for which a tax refund is collateralized in a face-to-face manner according to another embodiment of the present invention.

7a and 7b show the terminal device on the tax refund mortgage loan account opening system shown in FIG. 2 at the financial institution branch (or branch), and the loan processing server 105 In the case of having a ledger server (not shown) function in the financial system associated with the counter terminal through a predetermined financial network, a predetermined customer may apply for a tax refund mortgage loan account for a loan application for which the tax refund is secured. To open and fill out a loan application form that includes at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information, the financial institution will pay the tax refund in a face-to-face manner based on the loan application. A system configuration for opening and processing a mortgage loan account. Specifically, the customer fills out the loan application. When submitted to the counter, the counter terminal inputs (or selects) the tax refund loan application information corresponding to the loan application, transmits it to the loan processing server 105, and then advances the loan through a predetermined image acquisition device. When the predetermined image content corresponding to the application is obtained and transmitted to the loan processing server 105, the loan processing server 105 stores at least the customer information, loan application information, tax refund collateral setting information, and tax refund account information. It illustrates an implementation method of opening and processing the tax refund security loan account based on the tax refund loan application information including one or more.

Those skilled in the art to which the present invention pertains, various implementations of registering the tax refund loan application information to the loan processing server 105 at the window terminal by referring to or modifying the drawings 7a and 7b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 7A and 7B.

For example, although the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the loan application and storing the electronic document in an electronic document repository, the process may be omitted according to the intention of a person skilled in the art. As such, the present invention is not limited thereto.

In addition, in the implementation method shown in FIGS. 7A and 7B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the loan application through a predetermined image acquisition device. Although the user interface for inputting (or selecting) the tax refund loan application information corresponding to the loan application is illustrated as being provided from the loan processing server 105, a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the loan processing server 105, and thus the present invention is not limited thereto.

In the following Figures 7a and 7b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the loan processing server 105 shown in Figure 2 is referred to as "server" for convenience, and in the window terminal The customer information, loan application information, tax refund collateral setting information and tax refund account information transmitted to the loan processing server 105 are referred to as "tax refund loan application information" for convenience.

Referring to FIGS. 7A and 7B, a loan application including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information for a loan application for which a predetermined customer is a tax refund mortgage is secured. After filling out and submitting, the window terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects a predetermined communication channel to make a loan application for the tax refund corresponding to the loan application. When requesting a user interface (700), the server correspondingly returns a tax refund including at least one or more customer information, loan application information, tax refund collateral setting information and tax refund account information corresponding to the loan application created by the customer Create a user interface for entering (or selecting) minute loan application information and sending it to the server ( Extracts), and 705, and transmits and outputs the generated user interface (or extract) through the financial network to the mobile station (710).

Thereafter, the terminal inputs (or selects) tax refund loan application information including at least one of the customer information, loan application information, tax refund collateral setting information, and tax refund account information through the user interface (715). .

If the tax refund loan application information including at least one or more of the customer information, loan application information, tax refund collateral setting information, and tax refund account information is input (or selected) through the user interface (720), The input (or selection) of the tax refund loan application information is transmitted to the server through the financial network (725).

Thereafter, the server receives and reads the tax refund loan application information including at least one of the customer information, the loan application information, the tax refund collateral setting information, and the tax refund account information through the financial network. The validity of the application information is checked (730).

According to the method of the present invention, the validity of the tax refund loan application information is the tax refund loan application information to the ledger D / B 115 on the financial system linked to the tax refund mortgage loan account opening system It is preferable to include a check whether at least one or more ledger information is matched with.

For example, the validity of the tax refund loan application information is the information contained in the tax refund loan application information, the customer information (customer information, personal information, etc.) is the tax refund mortgage loan account opening system It is preferably made to include matching with the customer ledger stored in the ledger D / B 115 on the financial system associated with.

If the validity of the tax refund loan application information is not authenticated (735), the server generates a predetermined loan account error information and transmits it to the terminal (740), corresponding to the tax refund loan application information Do not open a loan account.

On the other hand, if the validity of the tax refund loan application information is authenticated (735), the server acquires predetermined image contents corresponding to the loan application written by the customer through the predetermined image acquisition device in the terminal to the server. A user interface for transmission is generated (or extracted) (745), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (750).

Thereafter, the terminal acquires image content corresponding to the loan application through a predetermined image obtaining apparatus based on the user interface (755).

If image content corresponding to the loan application is obtained through the image acquisition device (760), the terminal transmits the obtained image content to the server through the financial network (765).

The server receiving the tax refund loan application information and the image contents from the terminal generates a predetermined loan account opening electronic document including the image contents (770).

According to one embodiment of the invention, the server loans the loan application for the loan application as the collateral for the tax refund as the image file including the image content received from the terminal device through the image receiving unit 215 It is preferable to treat it as an open electronic document.

Alternatively, the server may include customer information, loan application information, and tax included in the tax refund portion loan application information received through the information receiver 210 in the image content received from the terminal device through the image receiver 215. An electronic document for opening a loan account for loan application for the tax refund as an image file corresponding to the image content including at least one of refund security setting information and tax refund account information by watermarking method. It is desirable to produce.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file or EDI file) including the image content received from the terminal device through the image receiving unit 215. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby creating a loan account for loan application to secure the tax refund. It is desirable to create an outlined electronic document.

Alternatively, the server may include customer information, loan application information, and tax included in the tax refund portion loan application information received through the information receiver 210 in the image content received from the terminal device through the image receiver 215. Generate image contents including at least one of refund security setting information and tax refund account information in a watermarking manner, and include a predetermined document file (eg, a PDF (Portable Document) including the generated image contents. Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create a loan account electronic document for loan application.

According to another exemplary embodiment of the present invention, the server includes the image content received from the terminal device through the image receiving unit 215 and the tax refund loan application information received through the information receiving unit 210. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a, it is preferable to generate a loan account opening electronic document for the loan application to secure the tax refund.

Alternatively, the server may include customer information, loan application information, and tax included in the tax refund portion loan application information received through the information receiver 210 in the image content received from the terminal device through the image receiver 215. A predetermined document including image content including at least one of refund security setting information and tax refund account information in a watermarking manner, and including the generated image content and the tax refund loan application information By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to generate an electronic document for opening a loan account for loan application with the tax refund as collateral.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates a loan account opening electronic document of the image file format or a predetermined document file format, and the image corresponding to the loan account opening electronic document Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated loan account opening electronic document in a predetermined electronic document storage (775).

As shown in FIG. 2, the electronic document repository is connected to a server on the tax refund mortgage loan account opening system with a predetermined electronic document server 100 and an electronic document D / B 270. When provided externally, the server is to transmit the generated loan account opening electronic document to the electronic document server 100 through the communication means to store in the electronic document D / B (270) desirable.

Or, when the electronic document storage is provided on the DBMS provided in the tax refund mortgage loan account opening system, the server includes the generated loan account opening electronic document in the tax refund mortgage loan account opening system. It is possible to store in the electronic document D / B 270 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the loan account opening electronic document in the electronic document storage is performed by linking the generated loan account opening electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B (270).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the loan account opening electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the loan account opening electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information in which a loan application corresponding to the image content is created, financial institution information for transmitting the loan account opening electronic document, or electronic document file format information). , Or the tax refund loan application information).

If the electronic document opening electronic document is stored in the electronic document storage (780), the server receives the customer information included in the tax refund loan application information, loan application information, tax refund collateral setting information and tax refund account information Based on the tax refund loan operation information is generated (784).

Thereafter, the server approves opening of the tax refund security loan account based on the tax refund loan operation information.

Thereafter, the server connects the tax refund loan operation information with the customer information, the loan application information, the tax refund collateral setting information, and the tax refund account information included in the tax refund loan application information in connection with the financial system. A tax refund mortgage loan account in the name of the customer is opened and processed (792).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the tax refund secured loan account opening application information in connection with the financial system (or is matched with the customer information and is provided with the pre-installation). Checks the ledger), generates predetermined account ledger information including the tax refund loan operation information, and stores the ledger information in a predetermined account ledger associated with the customer ledger, thereby receiving the tax refund. In response to the minute loan application information, characterized in that for opening the predetermined tax refund mortgage loan account for the loan application for the security of the tax refund.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes the tax refund loan operation information in the ledger D / B 115 in association with the financial system. It is desirable to create an account ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 115 on the financial system to generate a predetermined ledger including the tax refund loan operation information.

Thereafter, the server receives tax refund loan operation information including at least one of the customer information, loan account information, loan approval information, tax refund collateral setting information, and tax refund account information included in the tax refund loan application information. It is generated and stored in the predetermined storage medium (275) (796)

According to an embodiment of the present invention, when the storage medium 275 is provided in the server or on the network associated with the server, the server includes the customer included in the received tax refund loan application information. Preferably, the storage medium 275 stores tax refund loan information including at least one of information, loan account information, loan approval information, tax refund collateral setting information, and tax refund account information.

According to another exemplary embodiment of the present invention, when the storage medium 275 is provided in the DBMS provided on the financial system, the server includes the customer information and the loan account information included in the received tax refund loan application information. And providing tax refund loan operation information including at least one loan approval information, tax refund collateral setting information, and tax refund account information as an information system through an external system on the financial system and storing it in a DBMS provided on the financial system. It is preferable.

Thereafter, the server may provide predetermined tax refund mortgage loan account opening history information (eg, the tax refund mortgage loan account opening history, or details of storing the loan account opening electronic document in the electronic document repository, or the storage). The details of storing the tax refund loan application information on the medium 275) are generated (or extracted) and transmitted to the terminal (799).

According to an embodiment of the present invention, the storage medium 275 is provided in a DBMS on a financial system provided on the tax refund secured loan account opening system (or associated with the tax refund secured loan account opening system). In this case, the storage medium 275 may be a ledger D / B 115 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 115, Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 275 is provided with (or linked to) an internet banking system, or a telebanking system, or a wireless banking system provided on the tax refund secured loan account opening system, or It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

8A and 8B illustrate a process of opening a tax refund mortgage loan account for a loan application for which a tax refund is collateralized in a face-to-face manner according to another embodiment of the present invention.

In more detail, FIGS. 8A and 8B are window terminals provided with a terminal device on a tax refund mortgage loan account opening system shown in FIG. 2 at a financial institution branch (or a branch), and the loan processing server 105 In the case of having a ledger server (not shown) function in the financial system associated with the counter terminal through a predetermined financial network, a predetermined customer may apply for a tax refund mortgage loan account for a loan application for which the tax refund is secured. To open and fill out a loan application form that includes at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information, the financial institution will pay the tax refund in a face-to-face manner based on the loan application. The system configuration for opening and processing a mortgage loan account, specifically, the customer fills out the loan application Upon submission to the counter, the counter terminal acquires predetermined image contents corresponding to the loan application through a predetermined image acquisition device, and inputs (or selects) the tax refund loan application information corresponding to the loan application. Subsequently, when the image content and the tax refund loan application information are transmitted to the loan processing server 105, the loan processing server 105 may provide the customer information, loan application information, tax refund collateral setting information, and tax refund account. It illustrates an implementation method of opening and processing the tax refund security loan account based on the tax refund loan application information including at least one information.

Those skilled in the art to which the present invention pertains, various reference to register or modify the tax refund loan application information to the loan processing server 105 in the window terminal by referring to or modifying this figure 8a and 8b. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIGS. 8A and 8B.

For example, although the implementation method shown in FIGS. 8A and 8B includes a process of generating a predetermined electronic document corresponding to the loan application and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. As such, the present invention is not limited thereto.

In addition, in the method shown in FIGS. 8A and 8B including the process of generating and storing the electronic document, the teller terminal acquires predetermined image contents corresponding to the loan application through a predetermined image obtaining apparatus. Although the user interface for inputting (or selecting) the tax refund loan application information corresponding to the loan application is illustrated as being provided from the loan processing server 105, a predetermined information registration program is provided in the counter terminal. In this case, the user interface may not be provided from the loan processing server 105, and thus the present invention is not limited thereto.

In the following Figures 8a and 8b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the loan processing server 105 shown in Figure 2 is referred to as "server" for convenience, and said window terminal The customer information, loan application information, tax refund collateral setting information and tax refund account information transmitted to the loan processing server 105 is referred to as "tax refund loan application information" for convenience.

Referring to FIGS. 8A and 8B, a loan application including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information for a loan application for which a predetermined customer is a tax refund mortgage is secured. After filling out and submitting, the window terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects a predetermined communication channel to make a loan application for the tax refund corresponding to the loan application. When requesting a user interface (800), the server correspondingly inputs (or selects) the tax refund loan application information corresponding to the loan application written by the customer in the terminal, and through the predetermined image acquisition device Generating a user interface for acquiring and transmitting predetermined image content corresponding to the loan application to the server ( Or (805), and transmits the generated (or extracted) user interface to the terminal through the financial network (810) and outputs it.

Thereafter, the terminal inputs (or selects) tax refund loan application information including at least one of the customer information, loan application information, tax refund collateral setting information, and tax refund account information through the user interface (815). .

If the tax refund loan application information including at least one of the customer information, the loan application information, the tax refund collateral setting information, and the tax refund account information is input (or selected) through the user interface (820), the terminal is An image content corresponding to the loan application is obtained through a predetermined image obtaining apparatus based on the user interface in operation 825.

If image content corresponding to the loan application is obtained through the image acquisition device (830), the terminal transmits the tax refund loan application information and image content to the server through the financial network (835).

Thereafter, the server receives and reads the tax refund loan application information including at least one of the customer information, the loan application information, the tax refund collateral setting information, and the tax refund account information through the financial network. Check the validity of the application information (840).

According to the method of the present invention, the validity of the tax refund loan application information is the tax refund loan application information to the ledger D / B 115 on the financial system linked to the tax refund mortgage loan account opening system It is preferable to include a check whether at least one or more ledger information is matched with.

For example, the validity of the tax refund loan application information is the information contained in the tax refund loan application information, the customer information (customer information, personal information, etc.) is the tax refund mortgage loan account opening system It is preferably made to include matching with the customer ledger stored in the ledger D / B 115 on the financial system associated with.

If the validity of the tax refund loan application information is not authenticated (845), the server generates a predetermined loan account error information and transmits it to the terminal (850), corresponding to the tax refund loan application information Do not open a loan account.

On the other hand, if the validity of the tax refund loan application information is authenticated (845), the server generates a predetermined loan account opening electronic document containing the image content (855).

According to one embodiment of the invention, the server loans the loan application for the loan application as the collateral for the tax refund as the image file including the image content received from the terminal device through the image receiving unit 215 It is preferable to process the opened electronic document.

Alternatively, the server may include customer information, loan application information, and tax included in the tax refund portion loan application information received through the information receiver 210 in the image content received from the terminal device through the image receiver 215. An electronic document for opening a loan account for loan application for the tax refund as an image file corresponding to the image content including at least one of refund security setting information and tax refund account information by watermarking method. It is desirable to produce.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file or EDI file) including the image content received from the terminal device through the image receiving unit 215. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby creating a loan account for loan application to secure the tax refund. It is desirable to create an outlined electronic document.

Alternatively, the server may include customer information, loan application information, and tax included in the tax refund portion loan application information received through the information receiver 210 in the image content received from the terminal device through the image receiver 215. Generate image contents including at least one of refund security setting information and tax refund account information in a watermarking manner, and include a predetermined document file (eg, PDF (Portable Document Format) including the generated image contents. Loan) to secure the tax refund amount by generating a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create an electronic document for opening a loan account for the application.

According to another exemplary embodiment of the present invention, the server includes the image content received from the terminal device through the image receiving unit 215 and the tax refund loan application information received through the information receiving unit 210. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a, it is preferable to generate a loan account opening electronic document for the loan application to secure the tax refund.

Alternatively, the server may include customer information, loan application information, and tax included in the tax refund portion loan application information received through the information receiver 210 in the image content received from the terminal device through the image receiver 215. A predetermined document file including image contents including at least one of refund security setting information and tax refund account information in a watermarking manner, and including the generated image contents and the tax refund loan application information (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is desirable to create an electronic document for opening a loan account for loan application with tax refund.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates a loan account opening electronic document of the image file format or a predetermined document file format, and the image corresponding to the loan account opening electronic document Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated loan account opening electronic document in a predetermined electronic document storage (860).

As shown in FIG. 2, the electronic document repository is connected to a server on the tax refund mortgage loan account opening system with a predetermined electronic document server 100 and an electronic document D / B 270. When provided externally, the server is to transmit the generated loan account opening electronic document to the electronic document server 100 through the communication means to store in the electronic document D / B (270) desirable.

Or, when the electronic document storage is provided on the DBMS provided in the tax refund mortgage loan account opening system, the server includes the generated loan account opening electronic document in the tax refund mortgage loan account opening system. It is possible to store in the electronic document D / B 270 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the loan account opening electronic document in the electronic document storage is performed by linking the generated loan account opening electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B (270).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the loan account opening electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the loan account opening electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information in which a loan application corresponding to the image content is created, financial institution information for transmitting the loan account opening electronic document, or electronic document file format information). , Or the tax refund loan application information).

If the electronic document opening electronic document is stored in the electronic document storage (865), the server provides the customer information, loan application information, tax refund collateral setting information and tax refund account information included in the tax refund loan application information Based on the generated tax refund loan operation information (870).

Thereafter, the server approves opening of the tax refund security loan account based on the tax refund loan operation information.

Thereafter, the server connects the tax refund loan operation information with the customer information, the loan application information, the tax refund collateral setting information, and the tax refund account information included in the tax refund loan application information in connection with the financial system. The process of opening a tax refund mortgage loan account in the name of the customer is included (880).

According to an embodiment of the present invention, the server generates a customer ledger including the customer information included in the tax refund mortgage loan account opening application information in connection with the financial system (or is matched with the customer information, Check the customer ledger), generate predetermined account ledger information including the tax refund loan operation information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, In response to the loan application information, it is characterized in that the processing of opening a predetermined tax refund mortgage loan account for the loan application as the security of the tax refund.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes the tax refund loan operation information in the ledger D / B 115 in association with the financial system. It is desirable to create an account ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 115 on the financial system to generate a predetermined ledger including the tax refund loan operation information.

Thereafter, the server provides tax refund loan operation information including at least one of the customer information, the loan account information, the loan approval information, the tax refund collateral setting information, and the tax refund account information included in the tax refund loan application information. Generate and store in a predetermined storage medium (275) (885)

According to an embodiment of the present invention, when the storage medium 275 is provided in the server or on the network associated with the server, the server includes the customer included in the received tax refund loan application information. Preferably, the storage medium 275 stores tax refund loan information including at least one of information, loan account information, loan approval information, tax refund collateral setting information, and tax refund account information.

According to another exemplary embodiment of the present invention, when the storage medium 275 is provided in the DBMS provided on the financial system, the server includes the customer information and the loan account information included in the received tax refund loan application information. And providing tax refund loan operation information including at least one loan approval information, tax refund collateral setting information, and tax refund account information as an information system through an external system on the financial system and storing it in a DBMS provided on the financial system. It is preferable.

Thereafter, the server may provide predetermined tax refund collateral loan account opening history information (for example, the tax refund collateral loan account opening history, or details of storing the loan account opening electronic document in the electronic document storage, or the storage medium). (275) and generates (or extracted) the details of storing the tax refund loan application information and transmits to the terminal (890).

According to an embodiment of the present invention, the storage medium 275 is provided in a DBMS on a financial system provided on the tax refund secured loan account opening system (or associated with the tax refund secured loan account opening system). In this case, the storage medium 275 may be a ledger D / B 115 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 115, Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 275 is provided with (or linked to) an internet banking system, or a telebanking system, or a wireless banking system provided on the tax refund secured loan account opening system, or It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

9 is a diagram illustrating a non-face-to-face loan account opening system for a loan application secured by tax refund according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates a tax refund loan application information in which a predetermined customer includes at least one predetermined customer information, loan application information, tax refund collateral setting information, and tax refund account information through a predetermined loan account opening interface. When providing to the financial institution, the financial institution establishes a loan account for the loan application as the security of the tax refund based on the tax refund loan application information, and the tax refund for managing the loan account As a system configuration for storing loan operation information in a predetermined storage medium 970, a person having ordinary knowledge in the art to which the present invention pertains may refer to or modify this drawing to secure tax refunds. Various implementation methods for the configuration of a loan account opening system for loan application will be inferred, but the present invention Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains can refer to or modify the drawing 9 to omit a loan account opening system configuration that omits the method of storing the loan account opening electronic document in the electronic document storage. It may be inferred, and also in the case of storing the loan account opening electronic document in the electronic document storage, in addition to the implementation method shown in FIG. 9, the electronic document storage is provided in a DBMS located in the loan account opening system. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 9, the loan account opening electronic document is described as being generated on the server side on the loan account opening system, but the present invention is not limited thereto. The account opening electronic document may be generated on the terminal side that inputs (or selects) the tax refund loan application information (for example, the electronic document generation function provided on the server side is provided on the terminal side to provide the loan account). Create an electronic document), by which the present invention is not limited.

Hereinafter, receiving the tax refund loan application information from the customer through a predetermined loan account opening interface on the loan account opening system shown in FIG. 9, the customer opens the loan account, and correspondingly A component corresponding to at least one or more means or functional configuration for generating a loan account opening electronic document and storing it in a predetermined electronic document storage is referred to as "loan processing server 120" for convenience.

Referring to FIG. 9 according to the embodiment of the present invention, a loan account opening system for loan application for which the tax refund is secured includes a client terminal including at least one wired terminal or a wireless terminal used by a customer. It characterized in that it comprises a terminal device including at least one, the terminal device is connected to the communication processing channel and the loan processing server 120 provided on the loan account opening system through a predetermined network means.

According to one embodiment of the invention, the customer is connected to the loan processing server 120 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, the loan Entering (or selecting) the tax refund loan application information for the loan application as the security of the tax refund through at least one user interface provided by the processing server 120, the client terminal selects a predetermined network means. It is preferable to transmit to the loan processing server 120 provided on the loan account opening system through.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). Or at least one home appliance terminal (eg, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable.

In addition, a wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or a mobile Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for Mobile (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or the IEEE A portable Internet terminal connected to an 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is formed, including at least one are preferred.

Also, the loan processing server 120 connected to the client terminal may be either an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and the network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the loan processing server 120 may be a CDMA based (or HSDPA based) mobile communication network or an IEEE 802.16x based mobile Internet or IEEE according to the type of wireless communication network to which the client terminal is connected. It is preferable that any one of 802.11x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the loan processing server 120, inputs or selects at least one or more information through the user interface, and transmits the same to the loan processing server 120. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the loan processing server 120, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the loan account opening system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or wireless connecting the client terminal and the loan processing server 120. The communication network performs a function of a loan account opening interface for the customer to register the tax refund loan application information for the loan application for which the tax refund is secured.

According to another exemplary embodiment of the present invention, the terminal device may include, in addition to the client terminal, an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network); A predetermined communication terminal further comprising a financial automation device (not shown) including a CD) or connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. (Not shown), or further comprising a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminal (or server) (not shown) provided in the may be further included, whereby the present invention is not limited.

In the loan account opening system as described above, when the terminal device is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the loan processing server 120 The financial network that connects the customer to perform a function of the loan account opening interface for registering the tax refund loan application information for the loan application for the security of the tax refund, or the terminal device is the call terminal ( (Not shown), the landline or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the loan processing server 120 is a loan where the customer secures the tax refund. Performs a function of a loan account opening interface for registering the tax refund loan application information for the application, or with the financial institution that is the terminal device In the case of a terminal (or server) (not shown) provided in an affiliated institution, the terminal (or server) (not shown) and the terminal (or server) (not shown) are connected to the loan processing server 120. The network performs a function of a loan account opening interface for the customer to register the tax refund loan application information for the loan application for the security of the tax refund.

The storage medium 970 provided on the loan account opening system according to the present invention includes the customer information, loan account information, loan approval information, and tax refund collateral included in the tax refund loan application information provided from the terminal device. And storing tax refund loan operation information including at least one of setting information and tax refund account information.

According to an embodiment of the present invention, the tax refund loan operation information includes customer information for opening the loan account through the tax refund loan application information, loan account information for the loan account, and the tax refund loan Loan approval information for loan application information of application information, tax refund collateral setting information including tax deduction item information, item-specific deduction information and customer approval information required for collateral setting of the loan account, and the tax refund loan application Preferably, the information includes at least one or more tax refund account information including an account number for the tax refund of the loan account.

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). At least one or more member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system associated with the loan account opening system in response to the customer. It is preferable to make.

The loan account information is the loan account information corresponding to the loan account opened through the tax refund loan application information, wherein the loan account information includes at least one or more account number corresponding to the loan account, the name of the borrower It is preferable to make it.

The loan approval information is information corresponding to loan application information in the tax refund portion loan application information. The loan approval information may include at least one or more of a loan amount, a loan period, a loan interest rate, and the like. The loan interest rate of the loan approval information is determined based on the loan application amount included in the loan application information in the loan application information, the tax application period and the tax deduction item information included in the tax refund collateral setting information, and the deduction information for each item. It is characterized by.

The tax refund collateral setting information may include at least one or more tax deduction item information, item-specific deduction information, customer approval information, etc. for setting the security of the loan account.

Here, the tax deduction item information included in the tax refund collateral setting information is information on the tax refundable deduction item, the basic deduction items (eg, deduction of spouses, deduction of dependents, etc.) and additional deduction items ( For example, disability deduction, preferential deduction, and special deductions (e.g., insurance deduction, medical deduction, education deduction, housing fund deduction, special donation deduction, marriage expense deduction, funeral deduction, moving expenses deduction, etc.) and tax reduction It is preferable to include at least one deduction item (e.g., foreign tax payment deduction, taxpayer deduction, interest tax repayment of unsold housing acquisition, interest tax deduction, donation political fund tax deduction, etc.). Are only listed as examples and are not limited to the deductions shown in this Practice. Will be able to put a minus items, bayida put out clearly the method of the embodiment without limitation.

In addition, the item-specific deduction information included in the tax refund collateral setting information is information on the deduction of items in the tax deduction item information of the loan account, cash receipts and card use history that can know the cash usage history It is preferable to include at least one or more card number that can be known.

In addition, the customer approval information included in the tax refund collateral setting information preferably comprises at least one or more information that agrees to repay the tax refund amount as a loan principle for the loan account.

The tax refund account information is information for repaying the loan principle for the loan account, and preferably includes an account number where the customer's tax refund amount is deposited and a borrower's name and the like, and an account of the loan account information. The number may be used as the account number of the tax refund account information.

According to one embodiment of the invention, the storage medium 970 is preferably provided in a DBMS on a financial system provided on the loan account opening system (or associated with the loan account opening system), wherein The storage medium 970 may be a ledger D / B 115 provided in a DBMS on the financial system, or may be a predetermined database linked to the ledger D / B 115, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the storage medium 970 is an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The loan processing server 120 provided on the loan account opening system according to the present invention is a generic term for the loan account opening system side components connected to the terminal apparatus through a predetermined network means, and includes at least one server (or Device) or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the loan processing server 120 may be configured on the internet banking system. Is a predetermined Internet banking server provided in the, or a program provided in the Internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the Internet banking system, or the server (or Device) or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)) or in an external system on the financial system. It may be a program provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the loan processing server 120 is on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the loan processing server 120 is provided on the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server), a program included in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system ( Or device), a program included in the server (or device), or a server (or device) provided in the external system on the financial system accessible through the telebanking server (or the server (or device)). Or may be a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the loan processing server 120 is on the TV banking system. Is a predetermined TV banking server provided in the program, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server (or Device) or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)) or in an external system on the financial system. It may be a program provided, by which the present invention is not limited.

According to the embodiment of the present invention, the loan processing server 120 is provided with an interface unit (or interface means) 900 for connecting and managing a predetermined communication channel with the terminal apparatus through the network means. It is done.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 900 is based on a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 900 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the loan processing server 120, the interface unit 900 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automation device connected to a predetermined financial network, the interface unit 900 may be configured with the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 900 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (13lessless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 900 connects a communication channel with the client terminal based on the CDMA protocol. A WAP / ME protocol defined in the browser program provides a communication interface for transmitting and receiving a web page (eg, a WML (13 wireless markup language) compatible web page or an HTML compatible web page) or information.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the loan processing server 120, the interface unit 900 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 900 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the voice call and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 900 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 900 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 9, when the predetermined terminal device connects a predetermined communication channel with the loan processing server 120 through the interface unit 900, the loan refund amount is refunded. Generate (or extract) at least one user interface for inputting (or selecting) predetermined tax refund loan application information from the terminal device to the loan processing server 120 for the loan application with the security; An interface providing unit (or interface providing means) 905 for providing the terminal device with the generated (or extracted) user interface in association with the interface unit 900, and the terminal device through the user interface. When the tax refund portion loan application information is input (or selected) and transmitted, the tax refund transmitted from the terminal device in connection with the interface unit 900. It is characterized in that it comprises an information receiving unit (or information receiving means) 910 for receiving minute loan application information.

The interface providing unit 905 connects a predetermined communication channel with the loan processing server 120 through the interface unit 900, and then provides the tax refund portion to the loan processing server 120. At least one requesting a user interface for the loan application as collateral, the terminal device inputs (or selects) predetermined tax refund loan application information and transmits it to the loan processing server 120 through the network means. The above-described user interface is generated or extracted from a predetermined database (not shown), and the generated (or extracted) user interface is provided to the terminal apparatus through the network means in association with the interface unit 900. It is done.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 905 is provided as a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface possible, and provide the generated (or extracted) user interface to the client terminal through the interface unit 900.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automatic device connected to a predetermined financial network, the interface providing unit 905 may provide a predetermined financial transaction-related program included in the financial automatic device. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the ATM using the interface unit 900.

According to another exemplary embodiment of the present invention, when the terminal apparatus is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 905 may be a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 900.

According to another exemplary embodiment of the present invention, when the terminal apparatus is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 905 may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface of the user interface, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 900. Do.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 905 is provided to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 900.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined tax refund loan application information to the terminal device and transmitting it to the loan processing server 120 through the network means is provided. When a predetermined information registration program is provided, a user interface for inputting (or selecting) predetermined tax refund loan application information is generated (or extracted) for transmission to the loan processing server 120 as described above. Thus, the interface providing unit 905 provided to the terminal device may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) tax refund loan application information including at least one of the customer information, loan application information, tax refund collateral setting information, and tax refund account information through the user interface. The application form (or selection) of the tax refund loan application information is transmitted to the loan processing server 120 through the network means. In response, the information receiving unit 910 is connected to the interface unit 900 to the terminal. And receiving the tax refund loan application information transmitted from the device.

According to one embodiment of the present invention, the tax refund loan application information is preferably made of customer information, loan application information, tax refund collateral setting information, tax refund account information and the like.

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). At least one or more member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system associated with the loan account opening system in response to the customer. It is preferable to make it.

The loan application information is information about the loan account desired by the customer, and preferably comprises at least one or more loan application amount, loan application period, loan application interest rate.

The tax refund collateral setting information may include at least one or more tax deduction item information, item-specific deduction information, customer approval information, etc. for setting the security of the loan account.

Here, the tax deduction item information included in the tax refund collateral setting information is information on the tax refundable deduction item, the basic deduction items (eg, deduction of spouses, deduction of dependents, etc.) and additional deduction items ( For example, disability deduction, preferential deduction, and special deductions (e.g., insurance deduction, medical deduction, education deduction, housing fund deduction, special donation deduction, marriage expense deduction, funeral deduction, moving expenses deduction, etc.) and tax reduction It is preferable to include at least one deduction item (e.g., foreign tax payment deduction, taxpayer deduction, interest tax repayment of unsold housing acquisition, interest tax deduction, donation political fund tax deduction, etc.). Are only listed as examples and are not limited to the deductions shown in this Practice. Various deductions may be made, and it is clear that the present method is not limited thereto.

In addition, the item-specific deduction information included in the tax refund collateral setting information is information on the deduction of items in the tax deduction item information of the loan account, cash receipts and card use history that can know the cash usage history It is preferable to include at least one or more card number that can be known.

In addition, the customer approval information included in the tax refund collateral setting information preferably comprises at least one or more information that agrees to repay the tax refund amount as a loan principle for the loan account.

The tax refund account information is information for repaying the loan principle for the loan account, and preferably includes an account number where the customer's tax refund amount is deposited and a borrower's name and the like, and an account of the loan account information. The number may be used as the account number of the tax refund account information.

According to the exemplary embodiment of the present invention, the terminal apparatus includes the loan processing server 120 in the tax refund loan application information including at least one of the customer information, loan application information, tax refund collateral setting information, and tax refund account information. The network means further comprises at least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the tax refund loan application information. It is preferable to transmit to the loan processing server 120 through.

According to an exemplary embodiment of the present invention, the terminal apparatus may include at least one encryption method (eg, at least one encryption refund application information including at least one of the customer information, loan application information, tax refund collateral setting information, and tax refund account information). , Symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, or the like) or by attaching a predetermined electronic signature to the tax refund loan application information. It is preferable to transmit the data to the loan processing server 120 through a network means. For this purpose, the terminal apparatus includes at least one encryption key corresponding to the encryption scheme or a predetermined value including at least one encryption key. Have an accredited certificate; or When provided in the IC chip (or IC card), it is preferable that a card reader for confirming the certificate of authentication provided in the IC chip (or IC card) is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the tax refund loan application information, and a technology for attaching a predetermined electronic signature to the tax refund loan application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

Referring to FIG. 9, when the loan processing server 120 receives the tax refund loan application information transmitted from the terminal device through the information receiving unit 910, the received tax refund loan application information is displayed. Characterized in that it comprises a validity verification unit (or validity verification means) 915 to confirm whether the validity for the loan application with the tax refund portion as collateral.

According to an embodiment of the present invention, the tax refund loan application information is at least one encryption method (for example, symmetric key based encryption, or public key based encryption, or electronic envelope based encryption, or key exchange based encryption) And the like, the validity confirming unit 915 converts the encrypted tax refund loan application information into at least one decryption method (eg, symmetric key based decryption method or public key based decryption) corresponding to the encryption method. Method, or an electronic envelope-based decryption method, or a key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received tax refund loan application information.

Alternatively, when a predetermined electronic signature is attached to the tax refund loan application information, the validity verification unit 915 checks the electronic signature attached to the tax refund loan application information, thereby receiving the received tax refund loan. It is desirable to verify the validity of the application information.

Those skilled in the art to which the present invention belongs, check the technical features of the various decryption schemes for decrypting the encrypted tax refund loan application information and the electronic signature attached to the tax refund loan application information Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

When the tax refund loan application information received through the information receiving unit 910 according to an embodiment of the present invention further includes a predetermined password for checking the validity of the tax refund loan application information, the validity The verification unit 915 compares and authenticates the password included in the tax refund loan application information and the password provided corresponding to the customer on the DBMS, thereby validating the validity of the received tax refund loan application information. It is desirable to authenticate.

Alternatively, when the tax refund loan application information received through the information receiving unit 910 further includes predetermined security card information for confirming the validity of the tax refund loan application information, the validity checking unit ( 915) compares and authenticates the security card information included in the tax refund loan application information and the security card information provided corresponding to the customer on the DBMS, thereby validating the received tax refund loan application information. It is desirable to authenticate.

Alternatively, when the tax refund loan application information received through the information receiving unit 910 further includes a predetermined OTP code for checking the validity of the tax refund loan application information, the validity checking unit 915 ) Compares and authenticates the received OTP code included in the tax refund loan application information and an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, thereby receiving the received tax refund. It is desirable to verify the validity of the loan application information.

According to the method of the present invention, the validity of the tax refund loan application information is at least matched with the tax refund loan application information in the ledger D / B 115 on the financial system associated with the loan account opening system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity of the tax refund loan application information is determined by the financial information in which the customer information (customer personal information or member information, etc.) of the information included in the tax refund loan application information is linked to the loan account opening system. It is preferable to include checking whether it matches the customer ledger stored in the ledger D / B 115 on the system.

Referring to FIG. 9, when the validity of the tax refund loan application information is authenticated through the validity checker 915, the loan processing server 120 includes a predetermined request including the received tax refund loan application information. An electronic document generating unit (or electronic document generating means) 920 for generating a loan account opening electronic document, and an electronic document for transmitting the generated loan account opening electronic document to an electronic document repository associated with the loan account opening system; And a transmission unit (or electronic document transmission means) 925.

The electronic document generating unit 920 may generate a loan account opening electronic document including the tax refund portion loan application information received from the terminal device through the information receiving unit 910.

According to an exemplary embodiment of the present invention, the electronic document generation unit 920 may include customer information, loan application information, and tax refund collateral setting information included in the tax refund loan application information received through the information receiver 910. Create document content including at least one tax refund account information, and include a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the document content. It is preferable to process a word processing file including at least one, or a web document file including an MHT, etc.) as an electronic document for opening a loan account for loan application secured as the tax refund.

Alternatively, the electronic document generator 920 may include at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the tax refund loan application information received through the information receiver 910. Generating document contents including the above, and watermarking at least one or more of the customer information, loan application information, tax refund collateral setting information and tax refund account information included in the tax refund loan application information in the document content. The document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content including the watermarking, and the like. Loans for loan applications for which the tax refund is collateralized, such as a word processor file or a web document file including MHT) It is preferable to process the account opening electronic document.

Alternatively, the electronic document generator 920 may include at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the tax refund loan application information received through the information receiver 910. Generating the document contents including the above, and including the image contents (eg, the image contents generated by capturing the document contents on the memory) by capturing the document contents as collateral for the tax refund. It is advisable to process the loan account electronic documents for loan application.

Alternatively, the electronic document generator 920 may include at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the tax refund loan application information received through the information receiver 910. Generating the document contents including the above, and capturing the document contents into image contents (for example, image contents generated by capturing the document contents on a memory) and customer information included in the tax refund loan application information; After the loan application information, the tax refund collateral setting information and the tax refund account information including at least one or more information by the watermarking method, the image file including the image content including the watermark as collateral for the tax refund It is advisable to process a loan account electronic document for loan application.

According to another exemplary embodiment of the present invention, the electronic document generator 920 may include customer information, loan application information, and tax refund collateral setting information included in the tax refund loan application information received through the information receiver 910. A predetermined document including image content (eg, image content generated by capturing the document content on a memory) and generating document content including at least one tax refund account information, and capturing the document content. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to treat the tax refund as an electronic document for opening a loan account for loan application secured.

Alternatively, the electronic document generator 920 may include at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the tax refund loan application information received through the information receiver 910. Generating the document contents including the above, and capturing the document contents into image contents (for example, image contents generated by capturing the document contents on a memory) and customer information included in the tax refund loan application information; Document file (eg, generating image content including at least one or more information of the loan application information, tax refund collateral setting information and tax refund account information by watermarking method, and including the image content including the watermarking) , Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC By creating a word processor that includes one or more files, or web document MHT file that contains etc), it is preferable to process the loan account opened in an electronic document for the loan to the tax refund as collateral minutes.

According to another exemplary embodiment of the present invention, the electronic document generator 920 sets customer information, loan application information, and tax refund collateral included in the tax refund loan application information received through the information receiver 910. Generating document content including at least one information and tax refund account information, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the tax refund amount. A predetermined document file including loan application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT). Web document files, etc.) to be processed as an electronic document for opening a loan account for loan application with the tax refund as collateral It is preferred.

Alternatively, the electronic document generator 920 may include at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the tax refund loan application information received through the information receiver 910. Generating the document contents including the above, and capturing the document contents into image contents (for example, image contents generated by capturing the document contents on a memory) and customer information included in the tax refund loan application information; Generate image contents including at least one or more information of the loan application information, the tax refund collateral setting information, and the tax refund account information by a watermarking method, and apply for the image contents including the watermarking and the tax refund loan application. Document files containing information (e.g., Portable Document Format (PDF) files, or Electronic Data Inte) e-document to open a loan account for loan application to cover the tax refund, by generating a (rchange) file, a word processing file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to treat with.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 920 is a technical feature to create an electronic document opening a loan file in the form of an image file or a predetermined document file, and the loan account opening Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 925 transmits and stores the loan account opening electronic document generated by the electronic document generation unit 920 to a predetermined electronic document storage associated with the loan account opening system. .

As shown in FIG. 9, the electronic document repository is connected with a loan processing server 120 on the loan account opening system and a predetermined electronic document server 100 and electronic document D / B 965 connected through predetermined communication means. When provided externally, the electronic document transmission unit 925 is the electronic document server 100 through the communication means for opening the loan account electronic document generated by the electronic document generation unit 920 It characterized in that the transmission to.

Here, when the electronic document server 100 and the electronic document D / B (965) is provided outside the loan account opening system, the electronic document server 100 and the electronic document D / B (965) It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the loan account opening system, the electronic document transmission unit 925 is generated by the electronic document generation unit 920. It is possible to store a loan account opening electronic document in an electronic document D / B 965 corresponding to an electronic document storage on a DBMS provided in the loan account opening system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 925 may transmit the electronic document related information (eg, the tax refund loan application information for generating predetermined electronic document management information in the electronic document server 100). Customer information transmitted by inputting (selecting), financial institution information transmitting the loan account opening electronic document, electronic document file format information, or the tax refund loan application information, etc.) to the electronic document repository. It is possible to transmit, by which the present invention is not limited.

Referring to FIG. 9, the loan processing server 120 may apply for the loan refund information of the tax refund portion received through the information receiver 910 as the security through the validity checker 915. When the validity for the authentication is authenticated, based on the customer information, loan application information, tax refund collateral setting information and tax refund account information included in the tax refund portion loan application information is validated, the customer information and loan application information And an information generation unit (or information generating means) 930 for generating the tax refund loan operation information based on the tax refund collateral setting information and the tax refund account information, and the loan based on the tax refund loan operation information. Approving the loan of the account, approving the determination of the interest rate of the loan account, and approving the processing of the tax refund of the loan account as collateral. An approval unit (or loan approval means) 945 and a loan processing unit (or loan processing means) 935 for opening and processing a loan account under the customer's name including the tax refund loan operation information. It is done.

When the validity of the tax refund loan application information is confirmed by the validity confirmation unit 915, the information generation unit 930 is the customer information, loan application information and tax refund included in the tax refund loan application information The tax refund loan operation information is generated based on the collateral setting information and the tax refund account information.

The loan approval unit 945 approves the loan application of the loan account based on the loan approval information included in the tax refund loan operation information, and approves the determined loan interest rate of the loan account, and the tax refund loan It is characterized in that the security process for the tax refund portion of the tax refund account information is approved based on the tax refund collateral setting information and the tax refund account information included in the operation information.

The loan processing unit 935 generates a customer ledger including the customer information included in the loan account opening application information in association with the financial system (or checks the customer ledger that is matched with the customer information). After generating predetermined account ledger information including tax refund loan operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the tax corresponding to the tax refund loan application information It is characterized by opening a predetermined loan account for the loan application with the refund as collateral.

According to an embodiment of the present invention, when the loan processing server 120 and the financial system exist in the same system, the loan processing unit 935 is connected to the financial system to the ledger D / B 115 the tax It is preferable to generate a predetermined account ledger containing refund loan operation information.

According to another exemplary embodiment of the present invention, when the loan processing server 120 and the financial system exist on another system connected through a predetermined communication means, the loan processing unit 935 may perform the predetermined communication means. It is preferable to request the general ledger D / B 115 on the other financial system to generate a predetermined ledger including the tax refund loan operation information through the external system on the financial system.

Referring to FIG. 9, the loan processing server 120 may apply for a loan refund information of the tax refund portion received through the information receiving unit 910 as the collateral of the tax refund portion through the validity checker 915. If the validity for the authentication, the tax information including at least one or more of the customer information, loan account information, loan approval information, tax refund collateral setting information and tax refund account information included in the tax refund portion loan application information is validated And a loan processing unit (or information storage means) 940 for storing refund loan operation information in a predetermined storage medium 970.

When the validity of the tax refund loan application information is confirmed by the validity confirmation unit 915, the information storage unit 940 is the customer information and loan account information and loan included in the tax refund loan application information Characterized in that the storage medium 970 stores the tax refund loan operation information including at least one of the approval information, the tax refund collateral setting information and the tax refund account information.

According to an embodiment of the present invention, when the storage medium 970 is provided in the loan processing server 120 or on a network associated with the loan processing server 120, the information storage unit 940. The store the tax refund loan operation information including at least one of the customer information, loan account information, loan approval information, tax refund collateral setting information and tax refund account information included in the received tax refund loan application information It is desirable to store in the medium 970.

According to another exemplary embodiment of the present invention, when the storage medium 970 is provided in a DBMS provided on a financial system, the information storage unit 940 includes the customer included in the received tax refund loan application information. Provides information on the loan system, including information on loans, loan approval information, tax refund collateral setting information and tax refund account information, and provides information on loans through the external system on the financial system. It is preferable to store in the DBMS.

Referring to FIG. 9, an electronic document which receives a predetermined loan account opening electronic document from the loan processing server 120 provided on the loan account opening system and stores and manages it in a predetermined electronic document D / B 965. The server 100 includes an electronic document receiving unit (or electronic document receiving means) 950 for receiving a predetermined loan account opening electronic document from the loan processing server 120 through a predetermined communication means, and the received loan account. An information generation unit (or information generating means) 955 for generating predetermined electronic document management information for storing and managing an opened electronic document in the electronic document D / B 965; and the electronic document management information and the loan. And an electronic document storage unit (or electronic document storage means) for linking the account opening electronic document and storing it in a predetermined electronic document D / B 965.

The electronic document receiving unit 950 may receive a loan account opening electronic document in the form of an image file or a document file from the loan processing server 120 through the communication means.

According to an embodiment of the present invention, the loan document opening electronic document received by the electronic document receiving unit 950 through the communication means is the tax refund loan application information received by the loan processing server 120 from the terminal device. A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including document information including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document receiving unit 950, the loan account opening electronic document received through the communication means, the customer information and the loan included in the tax refund portion loan application information received by the loan processing server 120 from the terminal device In the document contents including at least one application information, tax refund collateral setting information and tax refund account information, among the customer information included in the tax refund loan application information, loan application information, tax refund collateral setting information and tax refund account information. After including at least one or more information in a watermarking manner, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing document content including the watermarking. A word processor file containing at least one of / DOC, etc., or a web document file containing an MHT, etc.) Eojineun to achieve than is desirable.

Alternatively, the electronic document receiving unit 950, the loan account opening electronic document received through the communication means, the customer information and the loan included in the tax refund portion loan application information received by the loan processing server 120 from the terminal device An image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of application information, tax refund collateral setting information, and tax refund account information. It is preferable to comprise a.

Alternatively, the electronic document receiving unit 950, the loan account opening electronic document received through the communication means, the customer information and the loan included in the tax refund portion loan application information received by the loan processing server 120 from the terminal device The tax refund amount is included in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one request information, tax refund collateral setting information, and tax refund account information. After the customer information included in the loan application information, the loan application information, the tax refund collateral setting information and the tax refund account information at least one or more information including a watermarking method, including the image content including the watermarking It is preferable to include an image file.

According to another embodiment of the present invention, the loan document opening electronic document received by the electronic document receiving unit 950 through the communication means is a tax refund loan application received by the loan processing server 120 from the terminal device. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the information. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) including an image content, or an MHT. Web document files).

Alternatively, the electronic document receiving unit 950, the loan account opening electronic document received through the communication means, the customer information and the loan included in the tax refund portion loan application information received by the loan processing server 120 from the terminal device The tax refund amount is included in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one request information, tax refund collateral setting information, and tax refund account information. Generate watermarking image contents including at least one of customer information included in the loan application information, loan application information, tax refund collateral setting information, and tax refund account information in a watermarking manner, and the watermarking is included. A document file containing the captured image content (e.g., a Portable Document Format (PDF) file, or EDI ( Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, a loan account opening electronic document received by the electronic document receiving unit 950 through the communication means is a tax refund loan that the loan processing server 120 receives from the terminal device. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information included in the application information, loan application information, tax refund collateral setting information, and tax refund account information. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the image content) and the tax refund loan application information. Word processor files, or web document files containing MHT).

Alternatively, the electronic document receiving unit 950, the loan account opening electronic document received through the communication means, the customer information and the loan included in the tax refund portion loan application information received by the loan processing server 120 from the terminal device The tax refund is applied to image content (eg, image content generated by capturing the document content on a memory) by capturing document content including at least one of application information, tax refund collateral setting information, and tax refund account information. Minute image information including at least one or more of the customer information included in the loan application information, loan application information, tax refund collateral setting information and tax refund account information in a watermarking method, the watermarking includes Document file (e.g., PDF) containing the printed image contents and the tax refund loan application information (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

The information generating unit 955 is a predetermined electronic document unique number (or unique information) to be assigned to the loan account opening electronic document received through the electronic document receiving unit 950, and through the electronic document receiving unit 950 And generating electronic document management information including electronic document storage date and time information including a date and time at which a loan account opening electronic document is received (or a date and time at which the loan account opening electronic document is stored).

According to an exemplary embodiment of the present invention, the information generating unit 955 opens the loan account with reference to the loan processing server 120 that has transmitted the loan document opening electronic document received through the electronic document receiving unit 950. It is preferable to identify the financial institution that transmitted the electronic document and to generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the loan processing server 120 through the electronic document receiving unit 950, the information generating unit 955 receives the received information. Electronic document related information (e.g., customer information transmitted by inputting (selecting) the loan application information for tax refund, or financial institution information for transmitting the loan account opening electronic document, electronic document file format information, or the tax refund) It is preferable to generate the electronic document management information further including minute loan application information).

The electronic document storage unit processes an electronic document management information generated through the loan account opening electronic document received through the electronic document receiving unit 950 and the electronic document management information generated by the information generating unit 955 to process a predetermined electronic document D / B 965. It is characterized by storing in).

According to an exemplary embodiment of the present invention, the loan document opening electronic document stored in the electronic document D / B 965 by the electronic document storage unit is a tax refund loan received by the loan processing server 120 from the terminal device. A document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including document information including at least one or more of customer information included in the application information, loan application information, tax refund collateral setting information, and tax refund account information). Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the electronic document storage electronic document storage unit stored in the electronic document D / B (965), the electronic document is opened, the customer information contained in the tax refund portion loan application information received by the loan processing server 120 from the terminal device. And document information including at least one loan application information, tax refund collateral setting information and tax refund account information, customer information included in the tax refund loan application information, loan application information, tax refund collateral setting information and tax refund account. After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, Or a word processor file including at least one HWP / DOC, or a web document file including an MHT). Be formed is preferred.

Alternatively, the electronic document storage electronic document storage unit stored in the electronic document D / B (965), the electronic document is opened, the customer information contained in the tax refund portion loan application information received by the loan processing server 120 from the terminal device. And image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more loan application information, tax refund collateral setting information, and tax refund account information. It is preferable to include an image file.

Alternatively, the electronic document storage electronic document storage unit stored in the electronic document D / B (965), the electronic document is opened, the customer information contained in the tax refund portion loan application information received by the loan processing server 120 from the terminal device. And the image information (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more loan application information, tax refund collateral setting information, and tax refund account information. After the customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the refund application information is included in a watermarking method, the image content including the watermarking is included. It is preferable to include an image file to include.

According to another embodiment of the present invention, a loan account opening electronic document stored by the electronic document storage unit in the electronic document D / B 965 is a tax refund portion received by the loan processing server 120 from the terminal device. Image content (e.g., capturing the document content on the memory by capturing document content including at least one of customer information included in the loan application information, loan application information, tax refund collateral setting information, and tax refund account information). A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including an image content generated, or an MHT. It is preferable that the web document file including a).

Alternatively, the electronic document storage electronic document storage unit stored in the electronic document D / B (965), the electronic document is opened, the customer information contained in the tax refund portion loan application information received by the loan processing server 120 from the terminal device. And the image information (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more loan application information, tax refund collateral setting information, and tax refund account information. Generate watermarking image contents including at least one of customer information included in the refund portion loan application information, loan application information, tax refund collateral setting information, and tax refund account information in a watermarking manner. Document files containing embedded image content (eg, Portable Document Format (PDF) files, or EDI (Elec) tronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT.

According to another embodiment of the present invention, a loan account opening electronic document stored by the electronic document storage unit in the electronic document D / B 965 is a tax refund received by the loan processing server 120 from the terminal device. Image content (e.g., capturing the document content on the memory) which captures document content including at least one of customer information included in the loan application information, loan application information, tax refund collateral setting information, and tax refund account information. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the image content generated by Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the electronic document storage electronic document storage unit stored in the electronic document D / B (965), the electronic document is opened, the customer information contained in the tax refund portion loan application information received by the loan processing server 120 from the terminal device. And the image information (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more loan application information, tax refund collateral setting information, and tax refund account information. Generate watermarking image contents including at least one of customer information included in the refund portion loan application information, loan application information, tax refund collateral setting information, and tax refund account information in a watermarking manner. Document file (eg, PDF (Por) containing the image content included and the tax refund loan application information table Document Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 965 by processing the electronic document storage in association with the loan account opening electronic document is allocated to the loan account opening electronic document. Preferably, a predetermined electronic document unique number (or unique information) and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 965 by processing the electronic document storage in association with the loan account opening electronic document transmits the loan account opening electronic document. Preferably, the loan processing server 120 further includes information on a financial institution that has transmitted the loan account opening electronic document confirmed.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the loan processing server 120, the electronic document storage unit processes the electronic document D / C in association with the loan account opening electronic document. The electronic document management information stored in B 965 is transmitted to the received electronic document related information (for example, the customer information transmitted by inputting (selecting) the tax refund loan application information or the electronic document opening electronic document). Financial institution information, or electronic document file format information, or the tax refund loan application information).

FIG. 10 is a diagram illustrating an implementation method in which a storage medium for storing tax refund loan operation information corresponding to a loan account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

In more detail, in FIG. 10, when the storage medium 970 illustrated in FIG. 9 is the ledger D / B 115 provided in the DBMS on the financial system, or the ledger D / B 115 is provided, As the information structure for one embodiment of the method for storing the tax refund loan operation information is stored in the ledger information provided in the ledger D / B 115, if the person having ordinary knowledge in the technical field to which the present invention belongs, 10 may be inferred from various information construction methods for storing the tax refund loan operation information in the ledger D / B 115, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

Referring to FIG. 10 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 115 provided in a DBMS on a financial system is associated with a predetermined customer ledger and the customer ledger, and is shown in FIG. The account ledger corresponding to the loan account opened through the illustrated loan account opening system and at least one information associated with the account ledger are shown to be included, and a person of ordinary skill in the art to which the present invention belongs. If, the ledger D / B 115 provided in the DBMS on the financial system includes at least one ledger (for example, a ledger, loan ledger, mortgage ledger, etc.) in addition to the customer ledger and account ledger shown in FIG. Or at least one or more additional information for maintaining and managing the ledgers. Since it will be understood, 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 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 detailed description thereof will be omitted.

In addition, the account ledger is relationally linked to the customer ledger, and as a ledger corresponding to the loan account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical reception information including at least one period extension, expiration date, and target amount, or at least one account number corresponding to the account ledger, deposit amount, par value, pension date, and number of shares. Trust reception information, or account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line Transaction history information including at least one of the above, a brief description, and a CIF.

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

According to an exemplary embodiment of the present invention, the storage medium 970 is the ledger D / B 115, or the present invention includes an implementation method provided in the ledger D / B 115. Taxes including at least one or more of said customer information, loan account information, loan approval information, tax refund collateral setting information, and tax refund account information included in the tax refund portion loan application information provided through the loan account opening system shown in FIG. The refund loan operation information is stored in the form of additional information added to the account ledger.

According to an embodiment of the present invention, the tax refund loan operation information includes customer information for opening the loan account through the tax refund loan application information, loan account information for the loan account, and the tax refund loan Loan approval information for loan application information of application information, tax refund collateral setting information including tax deduction item information, item-specific deduction information and customer approval information required for collateral setting of the loan account, and the tax refund loan application Preferably, the information comprises at least one or more tax refund account information including an account number for the tax refund of the loan account. In FIG. 3, the customer information is included in the customer ledger, and the loan account information is Since it will be included in the account ledger, it is omitted for convenience.

The loan approval information is information corresponding to loan application information in the tax refund portion loan application information. The loan approval information may include at least one or more of a loan amount, a loan period, a loan interest rate, and the like. The loan interest rate of the loan approval information is determined based on the loan application amount included in the loan application information in the loan application information, the tax application period and the tax deduction item information included in the tax refund collateral setting information, and the deduction information for each item. It is characterized by.

The tax refund collateral setting information may include at least one or more tax deduction item information, item-specific deduction information, customer approval information, etc. for setting the security of the loan account.

Here, the tax deduction item information included in the tax refund collateral setting information is information on the tax refundable deduction item, the basic deduction items (eg, deduction of spouses, deduction of dependents, etc.) and additional deduction items ( For example, disability deduction, preferential deduction, and special deductions (e.g., insurance deduction, medical deduction, education deduction, housing fund deduction, special donation deduction, marriage expense deduction, funeral deduction, moving expenses deduction, etc.) and tax reduction It is preferable to include at least one deduction item (e.g., foreign tax payment deduction, taxpayer deduction, interest tax repayment of unsold housing acquisition, interest tax deduction, donation political fund tax deduction, etc.). Are only listed as examples and are not limited to the deductions shown in this Practice. Will be able to put a minus items, bayida put out clearly the method of the embodiment without limitation.

In addition, the item-specific deduction information included in the tax refund collateral setting information is information on the deduction of items in the tax deduction item information of the loan account, cash receipts and card use history that can know the cash usage history It is preferable to include at least one or more card number that can be known.

In addition, the customer approval information included in the tax refund collateral setting information preferably comprises at least one or more information that agrees to repay the tax refund amount as a loan principle for the loan account.

The tax refund account information is information for repaying the loan principle for the loan account, and preferably includes an account number where the customer's tax refund amount is deposited and a borrower's name and the like, and an account of the loan account information. The number may be used as the account number of the tax refund account information.

According to another exemplary embodiment of the present invention, the tax refund loan application information is stored in the form of information included in the account ledger (not shown), or added to another ledger other than the account ledger (for example, the customer ledger). It is possible to be stored in the form of additional information, or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

11 is a database in which a storage medium storing tax refund portion loan operation information corresponding to a loan account opened in a non-face-to-face manner according to another embodiment of the present invention is linked to the ledger D / B provided in a DBMS on a financial system. A diagram showing an implementation method including a.

In more detail, FIG. 11 shows an information structure of an embodiment in which the storage medium 970 shown in FIG. 9 includes a predetermined database linked to the ledger D / B 115 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 11 to link the tax refund loan operation information to the ledger D / B 115 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 11, when it is not easy to store the tax refund loan operation information in the ledger information of the ledger D / B 115 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the DBMS It is not easy to change the ledger D / B 115 of the bank, or it is not easy to expand the system due to the nature of the financial system), and operate the tax refund loan in a predetermined database instead of the ledger D / B 115. It shows an embodiment of storing the information, the database and the ledger D / B (115) in a cooperative process.

In addition, the database shown in FIG. 11 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 11, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 11, the storage medium 970 includes a database associated with the ledger D / B 115 provided in a DBMS on a financial system. And store the tax refund loan operation information including at least one of the customer information, the loan account information, the loan approval information, the tax refund collateral setting information, and the tax refund account information included in the minute loan application information. It is preferable that the tax refund loan operation information further includes a CIF number corresponding to the ledger information in the tax refund loan operation information to be processed in connection with the ledger D / B 115.

According to an embodiment of the present invention, the tax refund loan operation information includes customer information for opening the loan account through the tax refund loan application information, loan account information for the loan account, and the tax refund fee. Loan approval information for loan application information of loan application information, tax refund collateral setting information including tax deduction item information, item deduction information, customer approval information, etc. necessary for setting the security of the loan account and the tax refund loan It is preferable that the application information includes at least one or more tax refund account information including an account number for the tax refund of the loan account.

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). At least one or more member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system associated with the loan account opening system in response to the customer. It is preferable to make.

The loan account information is the loan account information corresponding to the loan account opened through the tax refund loan application information, wherein the loan account information includes at least one or more account number corresponding to the loan account, the name of the borrower It is preferable to make it.

The loan approval information is information corresponding to loan application information in the tax refund portion loan application information. The loan approval information may include at least one or more of a loan amount, a loan period, a loan interest rate, and the like. The loan interest rate of the loan approval information is determined based on the loan application amount included in the loan application information in the loan application information, the tax application period and the tax deduction item information included in the tax refund collateral setting information, and the deduction information for each item. It is characterized by.

The tax refund collateral setting information may include at least one or more tax deduction item information, item-specific deduction information, customer approval information, etc. for setting the security of the loan account.

Here, the tax deduction item information included in the tax refund collateral setting information is information on the tax refundable deduction item, the basic deduction items (eg, deduction of spouses, deduction of dependents, etc.) and additional deduction items ( For example, disability deduction, preferential deduction, and special deductions (e.g., insurance deduction, medical deduction, education deduction, housing fund deduction, special donation deduction, marriage expense deduction, funeral deduction, moving expenses deduction, etc.) and tax reduction It is preferable to include at least one deduction item (e.g., foreign tax payment deduction, taxpayer deduction, interest tax repayment of unsold housing acquisition, interest tax deduction, donation political fund tax deduction, etc.). Are only listed as examples and are not limited to the deductions shown in this Practice. Various deductions may be made, and it is clear that the present method is not limited thereto.

In addition, the item-specific deduction information included in the tax refund collateral setting information is information on the deduction of items in the tax deduction item information of the loan account, cash receipts and card use history that can know the cash usage history It is preferable to include at least one or more card number that can be known.

In addition, the customer approval information included in the tax refund collateral setting information preferably comprises at least one or more information that agrees to repay the tax refund amount as a loan principle for the loan account.

The tax refund account information is information for repaying the loan principle for the loan account, and preferably includes an account number where the customer's tax refund amount is deposited and a borrower's name and the like, and an account of the loan account information. The number may be used as the account number of the tax refund account information.

12 illustrates an implementation method including a DBMS provided with a banking server in which a storage medium for storing tax refund loan operation information corresponding to a loan account opened in a non-face-to-face manner according to another embodiment of the present invention is provided. Drawing.

More specifically, FIG. 12 shows a DBMS in which a storage medium 970 shown in FIG. 9 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. Regarding one embodiment provided in the present invention, those skilled in the art to which the present invention pertains, the tax refund is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this drawing 12 It will be possible to infer the information configuration method for the minute loan operation information, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, the storage medium 970 includes a DBMS provided in a banking server. Referring to FIG. 12, a predetermined DBMS provided in the banking server applies for the tax refund loan application. And the tax refund portion loan operation information including at least one of the customer information, the loan account information, the loan approval information, the tax refund collateral setting information, and the tax refund account information included in the information.

According to an embodiment of the present invention, the tax refund loan operation information includes customer information for opening the loan account through the tax refund loan application information, loan account information for the loan account, and the tax refund loan Loan approval information for loan application information of application information, tax refund collateral setting information including tax deduction item information, item deduction information, customer approval information, etc. necessary for the security setting of the loan account and the tax refund loan It is preferable that the application information includes at least one or more tax refund account information including an account number for the tax refund of the loan account.

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). At least one or more member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system associated with the loan account opening system in response to the customer. It is preferable to make.

The loan account information is the loan account information corresponding to the loan account opened through the tax refund loan application information, wherein the loan account information includes at least one or more account number corresponding to the loan account, the name of the borrower It is preferable to make it.

The loan approval information is information corresponding to loan application information in the tax refund portion loan application information. The loan approval information may include at least one or more of a loan amount, a loan period, a loan interest rate, and the like. The loan interest rate of the loan approval information is determined based on the loan application amount included in the loan application information in the loan application information, the tax application period and the tax deduction item information included in the tax refund collateral setting information, and the deduction information for each item. It is characterized by.

The tax refund collateral setting information may include at least one or more tax deduction item information, item-specific deduction information, customer approval information, etc. for setting the security of the loan account.

Here, the tax deduction item information included in the tax refund collateral setting information is information on the tax refundable deduction item, the basic deduction items (eg, deduction of spouses, deduction of dependents, etc.) and additional deduction items ( For example, disability deduction, preferential deduction, and special deductions (e.g., insurance deduction, medical deduction, education deduction, housing fund deduction, special donation deduction, marriage expense deduction, funeral deduction, moving expenses deduction, etc.) and tax reduction It is preferable to include at least one deduction item (e.g., foreign tax payment deduction, taxpayer deduction, interest tax repayment of unsold housing acquisition, interest tax deduction, donation political fund tax deduction, etc.). Are only listed as examples and are not limited to the deductions shown in this Practice. Will be able to put a minus items, bayida put out clearly the method of the embodiment without limitation.

In addition, the item-specific deduction information included in the tax refund collateral setting information is information on the deduction of items in the tax deduction item information of the loan account, cash receipts and card use history that can know the cash usage history It is preferable to include at least one or more card number that can be known.

In addition, the customer approval information included in the tax refund collateral setting information preferably comprises at least one or more information that agrees to repay the tax refund amount as a loan principle for the loan account.

The tax refund account information is information for repaying the loan principle for the loan account, and preferably includes an account number where the customer's tax refund amount is deposited and a borrower's name and the like, and an account of the loan account information. The number may be used as the account number of the tax refund account information.

13A and 13B illustrate a process of opening a loan account for a loan application for collateralized tax refund in a non-face to face manner according to one embodiment of the present invention.

In more detail, FIGS. 13A and 13B illustrate a web server function in which a terminal device on the loan account opening system shown in FIG. 9 is a client terminal, and the loan processing server 120 can be accessed by a client terminal through a predetermined network means. In the case of having a, the customer information and loan application information, tax refund collateral setting information and tax refund account information through the client terminal to open a loan account for a loan application for which the predetermined customer is a tax refund mortgage When providing the tax refund loan application information including at least one, the loan account opening system including at least one or more of the customer information, loan application information, tax refund collateral setting information and tax refund account information in the loan account opening system Based on the application information, apply for a loan with the tax refund as collateral As an embodiment of the present invention, the present invention relates to a method of opening a loan account. For those skilled in the art to which the present invention pertains, the loan processing server 120 of the client terminal may be referred to or modified with reference to FIGS. 13A and 13B. Various implementation methods for registering the tax refund loan application information may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 13A and 13B. .

For example, although the implementation method shown in FIGS. 13A and 13B includes a process of generating a predetermined electronic document corresponding to the tax refund loan application information and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

13A and 13B illustrate a predetermined web page provided by the loan processing server 120 with a user interface for the client terminal to input (or select) the tax refund loan application information. Although described as being provided through, but if the client terminal is provided with a predetermined information registration program, the user interface may not be provided from the loan processing server 120, thereby the present invention is not limited.

In the following FIGS. 13A and 13B, the client terminal shown in FIG. 9 is referred to as "terminal" for convenience, and the loan processing server 120 shown in FIG. 9 is referred to as "server" for convenience, and in the client terminal The customer information, loan application information, tax refund collateral setting information and tax refund account information transmitted to the loan processing server 120 are referred to as "tax refund loan application information" for convenience.

Referring to FIGS. 13A and 13B, when the client terminal illustrated in FIG. 9 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Accessing the server through a CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.16x-based portable Internet, or an IEEE 802.11x-based wireless LAN) to connect a predetermined communication channel and secure the tax refund. When requesting a web page including a user interface for loan application (1300), the server correspondingly includes a tax including at least one of the customer information, loan application information, tax refund collateral setting information and tax refund account information. A web page including a user interface for inputting (or selecting) refund application information to be sent to the server. Sex (or extract), and 1305, and outputs via the network means sends a web page containing the created user interface (or extract) to the mobile station (1310).

According to an embodiment of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the tax refund loan application information registration procedure, whereby the present invention is not limited thereto. No.

Thereafter, the terminal inputs (or selects) tax refund loan application information including at least one or more customer information, loan application information, tax refund collateral setting information, and tax refund account information through a user interface included in the web page. (1315).

If the terminal receives (or selects) the tax refund loan application information including the customer information, the loan application information, the tax refund collateral setting information, and the tax refund account information through the user interface (1320), The customer information, loan application information, tax refund collateral setting information, and tax refund account information, which are input (or selected), are transmitted to the server through the communication channel (1325).

According to an embodiment of the present invention, the terminal includes the customer information, loan application information, tax refund collateral setting information, and tax refund account information including at least one or more tax refund portion loan application information on the tax refund portion at the server. At least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the loan application information is transmitted to the server through the network means. It is desirable to.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, at least one or more tax refund application information including at least one or more of the customer information, loan application information, tax refund collateral setting information, and tax refund account information). Symmetric key-based encryption method, public key-based encryption method, electronic envelope-based encryption method, or key exchange-based encryption method, etc.) or by attaching a predetermined electronic signature to the tax refund loan application information. It is preferable to transmit to the server through means, for which the terminal has at least one encryption key corresponding to the encryption scheme, or a predetermined public certificate including at least one encryption key, or The official certificate is applied to a predetermined IC chip (or IC card). Preferably, the IC chip card reader to make sure the certificate provided in (or IC card) is provided when the.

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption method (eg, at least one encryption refund application information including at least one or more of the customer information, loan application information, tax refund collateral setting information, and tax refund account information). , Symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, or the like, and transmits to the server through the network means. Is provided with at least one encryption key corresponding to the encryption method, or has a predetermined certificate including at least one encryption key, or the certificate is provided on a predetermined IC chip (or IC card) In this case, for checking the official certificate provided in the IC chip (or IC card) It is preferable that a card reader is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the tax refund loan application information, and a technology for attaching a predetermined electronic signature to the tax refund loan application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

Thereafter, the server receives and reads the customer information, the loan application information, the tax refund collateral setting information, and the tax refund account information through the communication channel to confirm the validity of the tax refund loan application information (1330).

According to the method of the present invention, the tax refund loan application information is at least one encryption method (for example, symmetric key based encryption, or public key based encryption, or electronic envelope based encryption, or key exchange based encryption) The encrypted tax refund loan application information, at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic device) corresponding to the encryption method. Envelope-based decryption method, or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received tax refund loan application information.

Alternatively, when a predetermined electronic signature is attached to the tax refund loan application information, the server checks the electronic signature attached to the tax refund loan application information, thereby validating the received tax refund loan application information. It is desirable to authenticate.

Those skilled in the art to which the present invention belongs, check the technical features of the various decryption schemes for decrypting the encrypted tax refund loan application information and the electronic signature attached to the tax refund loan application information Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, if the tax refund loan application information received through the information receiving unit 910 further includes a predetermined password for checking the validity of the tax refund loan application information, the server It is preferable to authenticate the validity of the received tax refund loan application information by comparing and authenticating the password received included in the tax refund loan application information and the password provided corresponding to the customer on the DBMS. .

Alternatively, when the tax refund loan application information received through the information receiving unit 910 further includes predetermined security card information for confirming the validity of the tax refund loan application information, the server returns the tax. It is preferable to authenticate the validity of the received tax refund loan application information by comparing and authenticating the received security card information included in the refund loan application information with the security card information provided corresponding to the customer on the DBMS. Do.

Alternatively, when the tax refund loan application information received through the information receiving unit 910 further includes a predetermined OTP code for checking the validity of the tax refund loan application information, the server returns the tax refund. By comparing and authenticating the received OTP code included in the minute loan application information and the OTP code generated based on the predetermined OTP generation information provided to correspond to the customer on the DBMS, the received tax refund loan application information is received. It is desirable to authenticate validity.

According to the method of the present invention, the validity of the tax refund loan application information is at least matched with the tax refund loan application information in the ledger D / B 115 on the financial system associated with the loan account opening system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity of the tax refund loan application information is determined by the financial information in which the customer information (customer personal information or member information, etc.) of the information included in the tax refund loan application information is linked to the loan account opening system. It is preferable to include checking whether it matches the customer ledger stored in the ledger D / B 115 on the system.

If the validity of the tax refund loan application information is not authenticated (1335), the server generates a web page including predetermined loan account error information and transmits it to the terminal (1340), and the loan account opening procedure Do not do it.

On the other hand, if the validity of the tax refund loan application information is authenticated (1335), the server includes at least one or more customer information including the tax refund loan application information, loan application information, tax refund collateral setting information and tax refund account Generates predetermined document content including information (1345) and generates a predetermined loan account opening electronic document including the document content (1350).

According to an exemplary embodiment of the present invention, the server may include document content including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the received tax refund loan application information. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, or the like) including at least one document file including the document content, and an MHT. Web document files, etc.) is preferably processed as an electronic document for opening a loan account for loan application with the tax refund as collateral.

Alternatively, the server generates document content including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the received tax refund loan application information, and the document content. After the watermarking method includes at least one or more of the customer information, the loan application information, the tax refund collateral setting information and the tax refund account information included in the tax refund loan application information, the document including the watermarking Document files containing content (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including MHT, etc.) ) As an electronic document for opening a loan account for loan application with the tax refund as collateral. It is good.

Alternatively, the server generates document content including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the received tax refund loan application information, and the document content. Processing an image file including captured image content (e.g., image content generated by capturing the document content on a memory) into a loan account opening electronic document for loan application for the tax refund. desirable.

Alternatively, the server generates document content including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the received tax refund loan application information, and the document content. In the captured image contents (for example, image contents generated by capturing the document contents on a memory), customer information included in the tax refund loan application information, loan application information, tax refund collateral setting information, and tax refund account After including at least one of the information in the watermarking (Watermarking) method, the image file including the image content including the watermarking process as a loan account opening electronic document for loan application for the tax refund as collateral It is desirable to.

According to another exemplary embodiment of the present invention, the server may include at least one document information including customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the received tax refund loan application information. A predetermined document file (e.g., a Portable Document Format (PDF) file) including an image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to secure the tax refund. It is desirable to process the loan account electronic documents.

Alternatively, the server generates document content including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the received tax refund loan application information, and the document content. In the captured image contents (for example, image contents generated by capturing the document contents on a memory), customer information included in the tax refund loan application information, loan application information, tax refund collateral setting information, and tax refund account Generating image content including at least one or more information of the information by a watermarking method, and a document file (for example, a PDF (Portable Document Format) file or EDI (Electronic) file including the image content including the watermarking). Data Interchange) file, or a word processor wave containing at least one of HWP / DOC, etc. Or by creating a web page, such as a file) that contains the MHT, it is preferable to process the loan account opened in an electronic document for the loan to the tax refund as collateral minutes.

According to another exemplary embodiment of the present invention, the server includes at least one document including customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the received tax refund loan application information. A predetermined document file (eg, image content including content generated by capturing the document content and capturing the document content on the memory) and the tax refund loan application information is generated. Generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is advisable to treat the loan as an electronic document for opening a loan account for a loan application.

Alternatively, the server generates document content including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the received tax refund loan application information, and the document content. In the captured image contents (for example, image contents generated by capturing the document contents on a memory), customer information included in the tax refund loan application information, loan application information, tax refund collateral setting information, and tax refund account Create image content including at least one or more information of the information by a watermarking method, and a document file (eg, PDF (Portable Document) including the image content including the watermarking and the tax refund loan application information. Format file, EDI (Electronic Data Interchange) file, HWP / DOC, or the like. By creating a web document including at least a file containing a word processor file, or to MHT, etc.), it is preferable to process the loan account opened in an electronic document for the loan to the tax refund as collateral minutes.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates a loan account opening electronic document of the image file format or a predetermined document file format, and the image corresponding to the loan account opening electronic document Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the created loan account opening electronic document in a predetermined electronic document storage (1355).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 100 and an electronic document D / B 965 connected to a server on the loan account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated loan account opening electronic document to the electronic document server 100 through the communication means to store in the electronic document D / B (965).

Alternatively, when the electronic document storage is provided on the DBMS provided in the loan account opening system, the server corresponds to the generated electronic document storage on the DBMS provided in the loan account opening system. The electronic document D / B 965 can be stored, and the present invention is not limited thereto.

According to an embodiment of the present invention, the storing of the loan account opening electronic document in the electronic document storage may be performed by linking the generated loan account opening electronic document with predetermined electronic document management information. It is preferable to include storing in document D / B 965.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the loan account opening electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the loan account opening electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the tax refund loan application information, or financial institution information transmitting the loan account opening electronic document), or The electronic document file format information or the tax refund loan application information).

If the electronic document opening electronic document is stored in the electronic document storage (1360), the server provides the customer information, loan application information, tax refund collateral setting information and tax refund account information included in the tax refund loan application information Based on the generated tax refund loan operation information (1365).

Thereafter, the server approves opening of the loan account based on the tax refund loan operation information (1370).

Thereafter, the server connects the tax refund loan operation information with the customer information, the loan application information, the tax refund collateral setting information, and the tax refund account information included in the tax refund loan application information in connection with the financial system. A loan account under the customer's name is opened (1375).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the loan account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the tax refund loan operation information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby applying the information to the tax refund loan application information. Correspondingly, a predetermined loan account for the loan application for which the tax refund is secured is opened.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes the tax refund loan operation information in the ledger D / B 115 in association with the financial system. It is desirable to create an account ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 115 on the financial system to generate a predetermined ledger including the tax refund loan operation information.

Thereafter, the server receives tax refund loan operation information including at least one of the customer information, loan account information, loan approval information, tax refund collateral setting information, and tax refund account information included in the tax refund loan application information. It is generated and stored in the predetermined storage medium 970 (1380).

According to an embodiment of the present invention, when the storage medium 970 is provided in the server or on the network associated with the server, the server includes the customer included in the received tax refund loan application information. Preferably, the storage medium 970 stores tax refund loan information including at least one information, loan account information, loan approval information, tax refund collateral setting information, and tax refund account information.

According to another embodiment of the present invention, when the storage medium 970 is provided in the DBMS provided on the financial system, the server includes the customer information and the loan account information included in the received tax refund loan application information. And providing tax refund loan operation information including at least one loan approval information, tax refund collateral setting information, and tax refund account information as an information system through an external system on the financial system and storing it in a DBMS provided on the financial system. It is preferable.

Thereafter, the server may provide predetermined loan account opening history information (eg, the loan account opening history, or details of storing the loan account opening electronic document in the electronic document repository, or the tax refund amount in the storage medium 970). The details of storing the loan application information) are generated (or extracted) and transmitted to the terminal (1385).

According to one embodiment of the invention, the storage medium 970 is preferably provided in a DBMS on a financial system provided on the loan account opening system (or associated with the loan account opening system), wherein The storage medium 970 may be a ledger D / B 115 provided in the DBMS on the financial system, or may be a predetermined database linked to the ledger D / B 115, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the storage medium 970 is an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

14A, 14B, and 14C are diagrams illustrating a process of opening a loan account for a loan application secured as a tax refund amount according to one embodiment of the present invention.

In more detail, FIGS. 14A, 14B, and 14C illustrate a case where the loan account opening system shown in FIG. 9 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the loan account opening shown in FIG. 9). In the case where the loan processing server 120 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (eg, the Internet) and performs a predetermined customer authentication procedure. Then, when the client terminal transmits a predetermined tax refund loan application information to the internet banking server to open a loan account for the loan application for which the tax refund is secured, the customer information in the internet banking server. And a tax refund including at least one loan application information, tax refund collateral setting information, and a tax refund account information. The present invention relates to a method of opening and processing the loan account for the loan application based on the loan application information as a security, and a person having ordinary knowledge in the technical field to which the present invention pertains, FIG. 14b and 14c may be inferred from various implementation methods for registering the tax refund loan application information through other types of non-face-to-face financial transaction channels, but the present invention includes all the implementation methods inferred. The present invention is not limited to the method shown in FIGS. 14A, 14B, and 14C.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 14A, 14B and 14C, the browser Although an implementation method of connecting an internet banking-based financial transaction channel for registering a tax refund loan application information between the client terminal and the internet banking server based on a program is illustrated, one of ordinary skill in the art to which the present invention pertains. If so, referring to or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 14A, 14B, and 14C, the client terminal and the Internet are based on a predetermined internet banking program mounted on the client terminal. Banking standing Although it may be possible to infer a method of connecting an internet banking-based financial transaction channel for registering tax refund loan application information between the present invention, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, besides the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 14a, 14b and 14c, telebanking The system or another banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering tax refund loan application information, but the present invention provides the telebanking system. Or non-face-to-face channel based financial transactions of any kind, including wireless banking systems or TV banking systems or future non-face-to-channel banking systems, the technical configuration of which is illustrated in FIGS. 14a and 14b and 14c. It is by no means limited to the case of Internet banking.

In addition, although the method shown in FIGS. 14A, 14B, and 14C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited thereby.

In the following Figures 14A, 14B and 14C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the loan processing server 120 is referred to as "server" for convenience.

Referring to FIGS. 14A, 14B, and 14C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1400a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1405a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing the terminal to the terminal, it is determined whether the terminal is equipped with a predetermined security module for internet banking or the security module is updated. (1410a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (1415a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 1420a.

If the terminal does not need to install or update the latest version of the Internet banking security module (1425a), or if the terminal does not need to load or update the Internet banking security module (1415a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a secure channel) (1430a), where the security channel for internet banking is referred to. Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (or decryption algorithm), and the information (or data) to be provided to the server for registering the tax refund loan application information in the terminal. When a predetermined digital signature is attached to or transmitted by encrypting at least one or more encryption methods (or encryption algorithms), the server verifies the electronic signature or a predetermined decryption method corresponding to the encryption method (or encryption algorithm). (Or a decoding algorithm) means a communication channel for decoding the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). It refers to a communication channel for decoding the information (or data) by a decryption method (or decryption algorithm), and also specified in the information (or data) to be provided to the server to register the tax refund loan application information from the terminal. Attach or at least one encryption When the transmission is encrypted by a method (or an encryption algorithm), the server verifies the digital signature or transmits the information (or data) by a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel for decoding.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the customer's authorized certificate mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1435a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature or encryption is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Subsequently, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting it to the server (or authentication server) (1440a). In operation 1445a, the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for the non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (1450a), the server blocks the internet banking security channel for the terminal (1455a), thereby preventing the Internet banking-based financial transaction through the terminal.

On the other hand, if the Internet banking customer authentication succeeds (1450a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1460a), where the Internet banking-based The financial transaction channel refers to a communication channel that transmits and registers predetermined tax refund loan application information for loan application for which a tax refund is secured from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for applying for a loan to secure the tax refund to the server through an internet banking-based financial transaction channel (1400b), the server correspondingly Generate a web page including a user interface for inputting (or selecting) tax refund loan application information including at least one of information, loan application information, tax refund collateral setting information, and tax refund account information to be transmitted to the server; (Or extract) 1405b, and transmits and outputs a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (1410b).

According to an embodiment of the present invention, the web page inputs (or selects) the tax refund loan application information including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information in the terminal. It is preferable to include a user interface, or a predetermined password or security card information (for example, during the Internet banking application process in order to verify the validity of the Internet banking customer requesting to register the tax refund loan application information The security card information printed on the security card issued to the customer) or the OTP (One Time Password) (for example, the Internet banking application process (or after the banking application), an OTP authenticator (or OTP authentication program) provided to the customer by a financial institution. And a user interface for entering a one-time password generated through It is desirable.

In addition, the process of transmitting or outputting the web page to the terminal is preferably performed at least once according to the tax refund loan application information registration procedure, thereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) tax refund loan application information including at least one of the customer information, loan application information, tax refund collateral setting information, and tax refund account information through the loan account opening interface (1415b). ).

If the terminal receives (or selects) the tax refund loan application information including the customer information, the loan application information, the tax refund collateral setting information, and the tax refund account information through the user interface (1420b), The tax refund portion loan application information input (or selected) is transmitted to the server through the financial transaction channel (1425b).

According to an embodiment of the present invention, the terminal loans the tax refund portion from the server to the tax refund loan application information including at least one of the customer information, loan application information, tax refund collateral setting information, and tax refund account information. At least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the application information to transmit to the server via the network means It is preferable.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, at least one or more tax refund application information including at least one or more of the customer information, loan application information, tax refund collateral setting information, and tax refund account information). Symmetric key-based encryption method, public key-based encryption method, electronic envelope-based encryption method, or key exchange-based encryption method, etc.) or by attaching a predetermined electronic signature to the tax refund loan application information. It is preferable to transmit to the server through means, for which the terminal has at least one encryption key corresponding to the encryption scheme, or a predetermined public certificate including at least one encryption key, or The official certificate is applied to a predetermined IC chip (or IC card). Preferably, the IC chip card reader to make sure the certificate provided in (or IC card) is provided when the.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, at least one or more tax refund application information including at least one or more of the customer information, loan application information, tax refund collateral setting information, and tax refund account information). A symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, a key exchange based encryption method, or the like, and transmits the encrypted data to the server through the network means. In the case of having at least one encryption key corresponding to the encryption method, or having a predetermined certificate including at least one encryption key, or the certificate is provided on a predetermined IC chip (or IC card) , To check the official certificate provided in the IC chip (or IC card) It is preferable that a card reader is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the tax refund loan application information, and a technology for attaching a predetermined electronic signature to the tax refund loan application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

Thereafter, the server receives and reads the tax refund loan application information through the financial transaction channel to check the validity of the tax refund loan application information (1430b).

According to an embodiment of the present invention, the tax refund loan application information is at least one encryption method (for example, symmetric key based encryption, or public key based encryption, or electronic envelope based encryption, or key exchange based encryption) And the like, the server may convert the encrypted tax refund loan application information into at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope) corresponding to the encryption method. Based decryption method, or key exchange based decryption method, etc.), it is preferable to authenticate the validity of the received tax refund loan application information.

Alternatively, when a predetermined electronic signature is attached to the tax refund loan application information, the server checks the electronic signature attached to the tax refund loan application information, thereby validating the received tax refund loan application information. It is desirable to authenticate.

Those skilled in the art to which the present invention belongs, check the technical features of the various decryption schemes for decrypting the encrypted tax refund loan application information and the electronic signature attached to the tax refund loan application information Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, if the tax refund loan application information received through the information receiving unit 910 further includes a predetermined password for checking the validity of the tax refund loan application information, the server It is preferable to authenticate the validity of the received tax refund loan application information by comparing and authenticating the password received included in the tax refund loan application information and the password provided corresponding to the customer on the DBMS. .

Alternatively, when the tax refund loan application information received through the information receiving unit 910 further includes predetermined security card information for confirming the validity of the tax refund loan application information, the server returns the tax. It is preferable to authenticate the validity of the received tax refund loan application information by comparing and authenticating the received security card information included in the refund loan application information with the security card information provided corresponding to the customer on the DBMS. Do.

Alternatively, when the tax refund loan application information received through the information receiving unit 910 further includes a predetermined OTP code for checking the validity of the tax refund loan application information, the server returns the tax refund. By comparing and authenticating the received OTP code included in the minute loan application information and the OTP code generated based on the predetermined OTP generation information provided to correspond to the customer on the DBMS, the received tax refund loan application information is received. It is desirable to authenticate validity.

According to the method of the present invention, the validity of the tax refund loan application information is at least matched with the tax refund loan application information in the ledger D / B 115 on the financial system associated with the loan account opening system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity of the tax refund loan application information is determined by the financial information in which the customer information (customer personal information or member information, etc.) of the information included in the tax refund loan application information is linked to the loan account opening system. It is preferable to include checking whether it matches the customer ledger stored in the ledger D / B 115 on the system.

If the validity of the tax refund loan application information is not authenticated (1435b), the server generates a web page including predetermined loan account error information and transmits it to the terminal (1440b), and the loan account opening procedure Do not do it.

On the other hand, if the validity of the tax refund loan application information is authenticated (1435b), the server includes at least one customer information including the tax refund loan application information, loan application information, tax refund collateral setting information and tax refund account. A predetermined document content including information is generated (1445b), and a predetermined loan account opening electronic document including the document content is generated (1450c).

According to an exemplary embodiment of the present invention, the server may include document content including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the received tax refund loan application information. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, or the like) including at least one document file including the document content, and an MHT. Web document files, etc.) is preferably processed as an electronic document for opening a loan account for loan application with the tax refund as collateral.

Alternatively, the server generates document content including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the received tax refund loan application information, and the document content. After the watermarking method includes at least one or more of the customer information, the loan application information, the tax refund collateral setting information and the tax refund account information included in the tax refund loan application information, the document including the watermarking Document files containing content (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including MHT, etc.) ) As an electronic document for opening a loan account for loan application with the tax refund as collateral. It is good.

Alternatively, the server generates document content including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the received tax refund loan application information, and the document content. Processing an image file including captured image content (e.g., image content generated by capturing the document content on a memory) into a loan account opening electronic document for loan application for the tax refund. desirable.

Alternatively, the server generates document content including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the received tax refund loan application information, and the document content. In the captured image contents (for example, image contents generated by capturing the document contents on a memory), customer information included in the tax refund loan application information, loan application information, tax refund collateral setting information, and tax refund account After including at least one of the information in the watermarking (Watermarking) method, the image file including the image content including the watermarking process as a loan account opening electronic document for loan application for the tax refund as collateral It is desirable to.

According to another exemplary embodiment of the present invention, the server may include at least one document information including customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the received tax refund loan application information. A predetermined document file (e.g., a Portable Document Format (PDF) file) including an image content (e.g., image content generated by capturing the document content on a memory) and generating the captured document content. Loans for loan applications for which the tax refund is secured by generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is preferable to process the account opening electronic document.

Alternatively, the server generates document content including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the received tax refund loan application information, and the document content. In the captured image contents (for example, image contents generated by capturing the document contents on a memory), customer information included in the tax refund loan application information, loan application information, tax refund collateral setting information, and tax refund account Generating image content including at least one or more information of the information by a watermarking method, and a document file (for example, a PDF (Portable Document Format) file or EDI (Electronic) file including the image content including the watermarking). Data Interchange) file, or a word processor wave containing at least one of HWP / DOC, etc. Or by creating a web page, such as a file) that contains the MHT, it is preferable to process the loan account opened in an electronic document for the loan to the tax refund as collateral minutes.

According to another exemplary embodiment of the present invention, the server includes at least one document including customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the received tax refund loan application information. A predetermined document file (eg, image content including content generated by capturing the document content and capturing the document content on the memory) and the tax refund loan application information is generated. Generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is advisable to treat the loan as an electronic document for opening a loan account for a loan application.

Alternatively, the server generates document content including at least one of customer information, loan application information, tax refund collateral setting information, and tax refund account information included in the received tax refund loan application information, and the document content. In the captured image contents (for example, image contents generated by capturing the document contents on a memory), customer information included in the tax refund loan application information, loan application information, tax refund collateral setting information, and tax refund account Create image content including at least one or more of the information by a watermarking method, and a document file (eg, PDF (Portable) including the image content including the watermarking and the tax refund loan application information. At least one Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file. By generating a word processor file or a web document file including MHT or the like), it is preferable to process the tax refund as an electronic document for opening a loan account for loan application secured.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates a loan account opening electronic document of the image file format or a predetermined document file format, and the image corresponding to the loan account opening electronic document Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated loan account opening electronic document in a predetermined electronic document storage (1455c).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 100 and an electronic document D / B 965 connected to a server on the loan account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated loan account opening electronic document to the electronic document server 100 through the communication means to store in the electronic document D / B (965).

Alternatively, when the electronic document storage is provided on the DBMS provided in the loan account opening system, the server corresponds to the generated electronic document storage on the DBMS provided in the loan account opening system. The electronic document D / B 965 can be stored, and the present invention is not limited thereto.

According to an embodiment of the present invention, the storing of the loan account opening electronic document in the electronic document storage may be performed by linking the generated loan account opening electronic document with predetermined electronic document management information. It is preferable to include storing in document D / B 965.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the loan account opening electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the loan account opening electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the tax refund loan application information, or financial institution information transmitting the loan account opening electronic document), or The electronic document file format information or the tax refund loan application information).

If the electronic document opening electronic document is stored in the electronic document storage (1460c), the server provides the customer information included in the tax refund loan application information, loan application information, tax refund collateral setting information and tax refund account information Generate the tax refund loan operation information based on (1465c).

Thereafter, the server approves opening a loan account based on the tax refund loan operation information (1470c).

Thereafter, the server connects the tax refund loan operation information with the customer information, the loan application information, the tax refund collateral setting information, and the tax refund account information included in the tax refund loan application information in connection with the financial system. A loan account under the customer's name is opened (1475c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the loan account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the tax refund loan operation information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby applying the information to the tax refund loan application information. Correspondingly, a predetermined loan account for the loan application for which the tax refund is secured is opened.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes the tax refund loan operation information in the ledger D / B 115 in association with the financial system. It is desirable to create an account ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 115 on the financial system to generate a predetermined ledger including the tax refund loan operation information.

Thereafter, the server receives tax refund loan operation information including at least one of the customer information, loan account information, loan approval information, tax refund collateral setting information, and tax refund account information included in the tax refund loan application information. It is generated and stored in the predetermined storage medium 970 (1480c).

According to an embodiment of the present invention, when the storage medium 970 is provided in the server or on the network associated with the server, the server includes the customer included in the received tax refund loan application information. Preferably, the storage medium 970 stores tax refund loan information including at least one information, loan account information, loan approval information, tax refund collateral setting information, and tax refund account information.

According to another embodiment of the present invention, when the storage medium 970 is provided in the DBMS provided on the financial system, the server includes the customer information and the loan account information included in the received tax refund loan application information. And providing tax refund loan operation information including at least one loan approval information, tax refund collateral setting information, and tax refund account information as an information system through an external system on the financial system and storing it in a DBMS provided on the financial system. It is preferable.

Thereafter, the server may provide predetermined loan account opening history information (eg, the loan account opening history, or details of storing the loan account opening electronic document in the electronic document repository, or the tax refund amount in the storage medium 970). The details of storing the loan application information) are generated (or extracted) and transmitted to the terminal (1485c).

According to one embodiment of the invention, the storage medium 970 is preferably provided in a DBMS on a financial system provided on the loan account opening system (or associated with the loan account opening system), wherein The storage medium 970 may be a ledger D / B 115 provided in a DBMS on the financial system, or may be a predetermined database linked to the ledger D / B 115, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the storage medium 970 is an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

15 is a view showing a loan account management system for the loan operation secured by the tax refund according to the embodiment of the present invention.

In more detail, FIG. 15 shows a loan account opened through the loan account opening system shown in FIGS. 2 and 9 in the loan account operating system based on the tax refund loan operation information stored in the storage medium 1540. When the tax refund occurs in the tax refund account included in the tax refund loan operation information, the system configuration for operating to repay the tax refund of the tax refund account as the loan principle of the loan account, the present invention Those skilled in the art will be able to infer various implementation methods for the loan account operation system for loan operation with the tax refund as a reference to or modifying this drawing 15. It includes all implementation methods inferred, the technical features only by the implementation method shown in FIG. This is not limited.

Referring to FIG. 15 according to an embodiment of the present invention, the loan account operating system includes a financial system having a ledger corresponding to a loan account opened through the loan account opening system shown in FIGS. 2 and 9; A storage medium (1540) for storing tax refund loan operation information including at least one of the customer information, the loan application information, the tax refund collateral setting information, and the tax refund account information included in the tax refund loan application information; The loan management server 110 operates the loan account in connection with a financial system, and periodically checks the tax refund loan operation information stored in the storage medium 1540 to achieve loan operation with the tax refund as collateral. It is characterized by comprising a).

Here, the storage medium 1540 is provided in the ledger D / B 115 on the financial system, or in a predetermined database associated with the ledger D / B 115 according to the intention of the skilled person, or at least It is all possible to be provided on one or more banking system, whereby the present invention is not limited.

In addition, the loan management server 110 is a ledger server provided in the financial system, or a loan account opening server on the loan account opening system shown in FIGS. 2 and 9, or shown in FIGS. 2 and 9. Various banking servers (e.g., an internet banking server, a wireless banking server, a telebanking server, a home banking server, a TV banking server, etc.) that operate the loan account in connection with the established financial system; It may be a separate server provided to achieve the loan operation, by which the present invention is not limited.

In addition, in FIG. 15, the loan management server 110 functions to operate the loan account in association with the financial system, and periodically checks the tax refund portion loan operation information stored in the storage medium 1540. Although illustrated including all of the functional configuration to achieve the loan operation to secure the tax refund, the present invention is not limited by this, and the loan management server 110 is a separate server for each functional configuration ( Or device).

The financial system is a general term for a computer system having a ledger corresponding to the loan account opened through the loan account opening system shown in FIGS. 2 and 9, and basically is a branch (or a branch) of the financial institution. It is characterized by being connected to at least one or more window terminals provided through a predetermined financial network (for example, our network), and provides a face-to-face financial transaction service to at least one or more financial transaction customers 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 or more 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 a fixed line 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)) ) 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. 15, the financial system is a computer system provided in a financial institution to open at least one loan account to at least one financial transaction customer and provide at least one financial transaction service based on the loan account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the 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, tele Banking, TV banking, etc.) to access the financial system, or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the 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 finance 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, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one loan account to at least one financial transaction customer, to provide at least one financial transaction service based on the loan account And a ledger D / B 115 for storing at least one ledger, wherein the ledger D / B 115 performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. At least one ledger information (e.g., a customer ledger, a reception ledger, a collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) It is characterized by being stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 115 and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is stored in a relational manner, or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood that the detailed description thereof will be omitted for convenience.

The storage medium 1540 includes the customer information, loan application information, tax refund collateral setting information, and tax refund account included in the tax refund loan application information through the loan account opening system shown in FIGS. 2 and 9. As a generic term for a storage means for storing tax refund loan operation information including at least one information, the storage medium 1540 is provided in the ledger D / B 115 on the financial system according to the intention of the skilled person, or It may be provided in a predetermined database associated with the ledger D / B 115, or on at least one or more banking systems.

According to an embodiment of the present invention, the tax refund loan operation information includes customer information for opening the loan account through the tax refund loan application information, loan account information for the loan account, and the tax refund loan Through loan approval information for loan application information of the application information, tax refund collateral setting information including deduction item information, deduction information, customer approval information, etc. necessary for setting the security of the loan account, and the tax refund loan application information It is preferable to include at least one or more tax refund account information including the account number for the tax refund of the loan account.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer, member information of the customer (for example, the customer is the financial institution of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked with the loan account opening system corresponding to the customer by joining as a transaction customer It is preferable to comprise.

The loan account information is the loan account information corresponding to the loan account opened through the tax refund loan application information, wherein the loan account information includes at least one or more account number corresponding to the loan account, the name of the borrower It is preferable to make it.

The loan approval information is information corresponding to loan application information in the tax refund portion loan application information. The loan approval information may include at least one or more of a loan amount, a loan period, a loan interest rate, and the like. The loan interest rate of the loan approval information is determined based on the loan application amount included in the loan application information in the loan application information, the deduction item information included in the loan application period and the tax refund collateral setting information, and the deduction information. do.

Preferably, the tax refund collateral setting information includes at least one item, deduction information, customer approval information, and the like, for setting up the security of the loan account.

Here, the deduction item information included in the tax refund collateral setting information is information about the deductible tax refund item, and includes a basic deduction item (eg, self deduction, spouse deduction, dependent deduction, etc.) and additional deduction items (eg, , Deduction for persons with disabilities, preferential deductions for the elderly, and special deductions (e.g., insurance deductions, medical deductions, educational deductions, housing fund deductions, special donation deductions, marriage deductions, funeral expenses deductions, moving expenses deductions, etc.) and tax deductions It is preferable to include at least one item (e.g., foreign tax credit, taxpayer's tax deduction, interest tax repayment of unsold housing acquisition, interest tax deduction, donation and political income tax credit, etc.), and the deduction item is It is merely an example of the enumeration, and is not limited to the deductions described in the present method. Deductions may be made, and it is apparent that the present method is not limited thereto.

In addition, the deduction information included in the tax refund collateral setting information is information on the deduction of the items in the deduction item information of the loan account, it can be seen the cash receipt and card use history that can know the cash usage history It is preferable to include at least one or more such a card number.

In addition, the customer approval information included in the tax refund collateral setting information preferably comprises at least one or more information that agrees to repay the tax refund amount as a loan principle for the loan account.

The tax refund account information is information for repaying the loan principle for the loan account, and preferably includes an account number where the customer's tax refund amount is deposited and a borrower's name and the like, and an account of the loan account information. The number may be used as the account number of the tax refund account information.

Referring to FIG. 15, the loan operation server 110 may include at least one customer terminal 1545 and the loan account to operate a loan account opened through the loan account opening system shown in FIGS. 2 and 9. An interface unit (or interface means) 1510 for connecting a communication channel for operation and receiving predetermined loan account usage information for operating the loan account from the customer terminal 1545 in association with the interface unit 1510. An information receiving unit (or information receiving means) 1515 and a loan operating unit (or loan operating means) 1500 for operating the loan account in association with the financial system based on the received loan account usage information. Characterized in that it is made, according to the intention of those skilled in the art, the loan management unit 1500 is made of at least two or more functional components (or means) It is possible that the present invention is not limited thereby.

According to an embodiment of the present invention, when the customer terminal 1545 is an employee terminal connected to a predetermined communication network (eg, a financial network), the interface unit 1510 may be configured based on the protocol stack defined in the communication network. A communication that connects an employee terminal with a predetermined communication channel and transmits and receives at least one information (or data) for operating the loan account with the employee terminal using a communication protocol defined in a financial transaction program provided in the employee terminal. It is desirable to provide an interface.

According to another exemplary embodiment of the present invention, when the customer terminal 1545 includes a wired terminal connected to a predetermined wired communication network, the interface unit 1510 is based on the protocol stack defined in the wired communication network. At least one or more information (or data) for connecting the terminal 1545 to a predetermined communication channel and operating the wired terminal and the loan account using a communication protocol defined in a financial transaction program included in the customer terminal 1545. It is desirable to provide a communication interface for transmitting and receiving).

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 1545, the interface unit 1510 may be connected to the client terminal 1545 based on the TCP / IP protocol. Connect a communication channel, and transmit and receive a predetermined web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or information (or data) for operating the loan account using the HTPP protocol defined in the browser program. It provides a communication interface.

Or, if the customer terminal 1545 is provided with a predetermined financial transaction program directly interworking with the loan management server 110, the interface unit 1510 is based on the TCP / IP protocol the customer terminal 1545 ) And a communication interface for transmitting and receiving information (or data) for operating the loan account using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the customer terminal 1545 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1510 is based on the protocol stack defined in the wireless communication network. Connect a predetermined communication channel with a customer terminal 1545, and transmit and receive at least one or more information (or data) for operating the loan account using a communication protocol defined in the financial transaction program included in the customer terminal 1545 It is desirable to provide a communication interface.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol is provided in the customer terminal 1545, the interface unit 1510 may be configured based on the CDMA / WCDMA protocol. 1545 connects a communication channel and uses a WAP / ME protocol defined in the browser program to designate a predetermined web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web) for operating the loan account. Page) or information (or data) interface.

Or, if the customer terminal 1545 is provided with a predetermined financial transaction program directly interworking with the loan management server 110, the interface unit 1510 is based on the CDMA / WCDMA protocol the customer terminal 1545 ) And a communication interface for transmitting and receiving information (or data) for operating the loan account using a communication protocol defined in the financial transaction program.

The information receiver 1515 receives predetermined loan account usage information for operating the loan account from the customer terminal 1545 in connection with the interface unit 1510, and the received loan account usage information. Is provided to the loan management unit 1500.

The loan management unit 1500 may perform various financial transaction procedures for the loan account in connection with the financial system based on the received loan account use information.

According to an embodiment of the present invention, when the loan account use information includes deposit transaction request information (for example, account information in which a predetermined deposit transaction amount is deposited) for repaying the loan principle of the loan account, the loan management unit In operation 1500, it is preferable to perform a deposit transaction procedure for repaying the loan account loan principle money in connection with the financial system based on the loan account usage information, and records the deposit transaction details in the ledger corresponding to the loan account. It is desirable to.

Referring to Figure 15, the loan management server 110, while the loan management unit 1500 is operating the loan account in connection with the financial system for the loan operation to secure the tax refund portion, An information checking unit (or information checking means) 1520 for confirming tax refund account information included in the tax refund loan operation information in association with a storage medium 1540, and the tax refund confirmed in connection with the financial system An account checking unit (or account checking means) 1505 for confirming a tax refund deposit for the loan account based on account information, and the tax refund deposited into the tax refund account in connection with the financial system; The loan repayment processing unit (or loan repayment processing unit) 1535 to repay (or transfer) the loan and the tax refund repaid (or transfer) to the loan account of the loan account. By having a loan operating unit 1500 that operates to repay a principal output it is characterized in that formed.

Here, the loan repayment processing unit 1535 and the loan operation unit 1500 are referred to as loan repayment processing means for convenience.

The information checking unit 1520 checks the tax refund account information in connection with the storage medium 1540 in the server.

When the tax refund account information is confirmed by the information verification unit 1520, the account verification unit 1505 is characterized in that the server checks the tax refund deposit in the tax refund account in connection with the financial system.

According to one embodiment of the present invention, the account verification unit 1505 deposits a predetermined tax refund date and time from a predetermined tax refund institution (for example, the IRS or the competent tax office or the workplace where the customer is employed) to the tax refund account. It is advisable to check the amount of tax refund.

According to another exemplary embodiment of the present invention, the account verification unit 1505 deposits a predetermined tax refund date from a predetermined tax refund transfer account (for example, an IRS account or a competent tax office account or a corporate account in which the customer is in service). It is advisable to check the amount of tax refund.

When the tax refund payment is confirmed in the tax refund account in the account verification unit 1505, the loan repayment processing unit 1535 is to repay (or transfer) the tax refund to the loan account in connection with the financial system. do.

According to another embodiment of the present invention, when the account number of the loan account information in the loan account and the account number of the tax refund account information are the same, the loan repayment processing unit 1535 may be omitted.

When the loan repayment processing unit 1535 repays (or transfers) the tax refund to the loan account, the loan manager 1500 repays the tax refund to the loan principle of the loan account in connection with the financial system. It features.

Referring to FIG. 15, when the loan management server 110 repays the loan principle of the loan account in connection with the financial system for the loan operation for which the tax refund is secured, the loan of the loan account A fund checking unit (or fund checking means) 1525 for checking whether the principal money is insufficient, and an information transmitting unit (or information) requesting the customer terminal 1545 for the deposit of the amount insufficient to repay the loan principle of the loan account. Transfer means) 1530, and the loan management unit 1500 for repaying the loan principal of the loan account from the customer terminal 1545, and repays the amount deposited from the customer terminal 1545 to the loan principle of the loan account. It is characterized by comprising a).

The fund checking unit 1525 may check an amount insufficient to repay the loan principle of the loan account when the loan principle of the loan account is repaid.

When the funds check unit 1525 determines that the loan account is insufficient for repayment of the principal, the information transmission unit 1530 is connected to the interface unit 1510 for the amount insufficient for repayment of the principal of the loan account. It is characterized in that for requesting a deposit to the customer terminal 1545.

The loan management unit 1500 may repay the loan amount deposited in the loan account in the customer terminal 1545 in connection with the financial system as the loan principle of the loan account.

FIG. 16 is a diagram illustrating a process of repaying a tax refund of a tax refund account as a loan principle of a loan account for a loan operation secured as a tax refund according to an embodiment of the present invention.

In more detail, FIG. 16 shows that the loan management server 110 shown in FIG.

Check the tax refund account information included in the tax refund loan operation information, and confirm the tax refund deposit for the loan account based on the confirmed tax refund account information, and the tax refund deposited into the tax refund account Repays (or transfers) to the loan account, repays the tax refund reimbursed (or transferred) to the loan account as the loan principle of the loan account, and when the tax refund is shorter than the loan principle of the loan account. The loan management server 110 requests the client terminal 1545 to deposit the shortage amount of the loan principle, and illustrates a method of repaying the insufficient loan principle with the deposit amount received from the customer terminal 1545.

Hereinafter, in FIG. 16, the loan operation server 110 shown in FIG. 15 is referred to as a “server” for convenience.

Referring to FIG. 16, the server checks the tax refund account information of the loan account in connection with the storage medium 1540 (1600), and the server confirms the tax refund account information in connection with the financial system. Confirm that the tax refund amount is deposited in the designated income deduction refund account. (1605)

If the deposit of the tax refund amount is confirmed in the income deduction refund account (1610), the server refunds the tax refund amount of the income deduction refund account to the loan principle of the tax refund collateral loan account in connection with the financial system. (1615)

Thereafter, the server checks the shortage for repayment of the loan principle of the loan account in connection with the financial system.

If the shortage for repayment of the loan principle of the loan account is confirmed at the server (1625), the deposit request information for the loan repayment shortage of the loan account is transmitted from the server to the terminal (1630). In operation 1635, the server checks the deposit for the loan principal repayment deficit of the loan account from the customer terminal 1545.

If the server confirms the deposit of the loan principle payment repayment shortage of the loan account from the customer terminal 1545 (1640), the server repays the loan principle money shortage of the loan account to the loan principle. )

Thereafter, the server records the loan principle payment repayment details in the ledger in association with the financial system (1650), and the server sends the loan account loan principle payment repayment details to the customer terminal 1545. (1655)

In the implementation method shown in FIG. 16, there are various implementation methods such as a wired terminal and a wireless terminal as a method of informing the repayment details to the customer terminal 1545 after repayment of the loan principle of the loan account, and the present invention is not limited thereto.

According to the implementation method of the present invention, as a method of repaying the loan principle of the loan account in the server, it is possible to infer various methods such as the maturity repayment method, the equal payment of the principal split payment method, the equal payment of the principal payment split, the deferred repayment method However, the present invention includes all the methods inferred above, and it is clearly understood that the present invention is not limited only to the method shown in FIG.

According to the present invention, by including the tax refund as a security target, the mortgage service can be provided to the customer at a lower interest rate than the cash loan service. There is an advantage to receiving.

According to the present invention, the mortgage loan service having the tax refund as collateral is relatively easy to repay the loan because the interest rate is significantly lower than the general cash loan service, thereby reducing the credit risk, thereby reducing the credit risk It also has the advantage of strengthening the social safety net through market mechanisms at the national level.

Claims (5)

When the customer applies for a loan, the information receiving means provides the tax refund collateral setting information and the tax refund account information, which sets the customer information, the loan application information, and the loan principle portion of the loan amount to be repaid through the tax refund of the customer. Receiving; Lending the loan amount based on the customer information and the loan application information in the loan processing means; Storing information in the storage medium in association with the loan information corresponding to the loan processing, the tax refund collateral setting information, and the tax refund account information in an information storage means; Confirming the tax refund account information in association with the storage medium in the information checking means; Confirming whether the tax refund of the customer is deposited in the tax refund account information in an account checking means; And Upon confirming the deposit of the tax refund, the loan repayment processing means repays a part (or all) of the loan principle of the loan amount from the tax refund account through the tax refund and generates a shortage amount not repaid through the tax refund. And repaying the shortage amount from the amount deposited by the customer. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. When the customer applies for the loan, the customer information, the loan application information, and information for receiving the tax refund collateral setting information and the tax refund account information for setting up to repay a portion (or all) of the loan principle of the loan amount through the tax refund of the customer Way; Loan processing means for loan processing a loan amount based on the customer information and loan application information; Information storage means for storing the loan information corresponding to the loan processing, the tax refund collateral setting information, and the tax refund account information in a storage medium in association with the loan information; Information checking means for confirming the tax refund account information in association with the storage medium; Account verification means for confirming whether the tax refund of the customer is deposited in the tax refund account information; And When the tax refund payment is confirmed, a portion (or all) of the loan principle of the loan amount is repaid from the tax refund account through the tax refund account, and if the shortage amount not repaid through the tax refund occurs, the shortage amount And a loan repayment processing means for repaying the money from the money deposited by the customer. The method of claim 3, wherein the tax refund collateral setting information is And at least one or more tax deduction item information and item-specific deduction information corresponding to the customer. delete

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