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1. WO2022119188 - SYSTEM, METHOD, AND COMPUTER-READABLE RECORDING MEDIUM FOR INTEGRALLY OPERATING LOAN ACCOUNT AND CREDIT RISK COLLATERAL ACCOUNT ASSOCIATED THEREWITH

Publication Number WO/2022/119188
Publication Date 09.06.2022
International Application No. PCT/KR2021/016924
International Filing Date 17.11.2021
IPC
G06Q 40/02 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
CPC
G06Q 40/03
Applicants
  • 성기덕 SUNG, Ki Deok [KR]/[KR]
Inventors
  • 성기덕 SUNG, Ki Deok
Agents
  • 특허법인 메이저 MAJOR PATENT AND LAW FIRM
Priority Data
10-2020-016595901.12.2020KR
Publication Language Korean (ko)
Filing Language Korean (KO)
Designated States
Title
(EN) SYSTEM, METHOD, AND COMPUTER-READABLE RECORDING MEDIUM FOR INTEGRALLY OPERATING LOAN ACCOUNT AND CREDIT RISK COLLATERAL ACCOUNT ASSOCIATED THEREWITH
(FR) SYSTÈME, PROCÉDÉ ET SUPPORT D'ENREGISTREMENT LISIBLE PAR ORDINATEUR POUR EXPLOITER INTÉGRALEMENT UN COMPTE DE PRÊTS ET UN COMPTE DE GARANTIE DE RISQUE DE CRÉDIT ASSOCIÉ À CELUI-CI
(KO) 대출계좌 및 이와 연동되는 신용 리스크 담보계좌를 통합운영하기 위한 시스템, 방법 및 컴퓨터 판독 가능한 기록 매체
Abstract
(EN) Disclosed are a system, method, and computer-readable recording medium for integrally operating a loan account and a credit risk collateral account associated therewith. According to an embodiment of the present invention, a system for operating a loan product, in a communication network, comprises: a loan operation unit for generating each of a loan account and a credit risk collateral account collateralizing a credit risk of the loan account, for an approved loan product from among loan products applied by a borrower terminal device, and integrally operating interest rates of accounts; a loan management unit for managing loan payment of the loan account; and a credit risk collateral management unit for managing credit risk collateral payment of the credit risk collateral account as a consignment account.
(FR) L'invention concerne un système, un procédé et un support d'enregistrement lisible par ordinateur pour exploiter intégralement un compte de prêts et un compte de garantie de risque de crédit associé à celui-ci. Selon un mode de réalisation de la présente invention, un système pour faire fonctionner un produit de prêt, dans un réseau de communication, comprend : une unité d'exploitation de prêt pour générer un compte de prêt ainsi qu'un compte de garantie d'un risque de crédit garantissant un risque de crédit du compte de prêts, pour un produit de prêt approuvé parmi des produits de prêt appliqués par un dispositif de terminal d'emprunteur, et exploiter intégralement les taux d'intérêt des comptes ; une unité de gestion de prêt pour gérer le paiement de prêt du compte de prêts ; et une unité de gestion de garantie de risque de crédit pour gérer le paiement de garantie de risque de crédit du compte de garantie de risque de crédit en tant que compte de consignation.
(KO) 본 발명은 대출계좌 및 이와 연동되는 신용 리스크 담보계좌를 통합운영하기 위한 시스템, 방법 및 컴퓨터 판독 가능한 기록 매체가 개시된다. 본 발명에 일 실시예에 따르면, 통신망 상에서 대출 상품을 운영하기 위한 시스템으로서, 대출자 단말장치에서 신청하는 대출 상품 중 승인된 대출 상품에 대하여, 대출계좌 및 상기 대출계좌의 신용 리스크를 담보하는 신용 리스크 담보 계좌를 각각 생성하고, 각 계좌의 금리를 연동하여 통합 운영하는 대출 운영부; 상기 대출계좌의 대출납입을 관리하는 대출금 관리부; 및 상기 신용 리스크 담보 계좌의 신용 리스크 담보금 납입을 수탁계정으로 관리하는 신용 리스크 담보금 관리부를 포함하는 것을 특징으로 한다.
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