KR20200129733A - Method for providing service using only non-identification information of user without knowing identification information of user, and server and identified user terminal by using same - Google Patents

Abstract

The present invention relates to a method for providing a service by using only unidentified information of a user even if identified information of the user is unknown. According to the present invention, the method comprises the steps of: (a) displaying a loan condition input interface on an identified user terminal; (b) generating unidentified user loan demand information; and (c) selecting a desired loan product. According to the present invention, an advertisement for a loan product which is most advantageous to a user can be provided.

Description

A method of providing a service using only the user's non-identifying information, even if the user's identification information is not known, and a server and identification user terminal using it. AND IDENTIFIED USER TERMINAL BY USING SAME}

The present invention relates to a system for matching a loan advertisement determined using non-identifying user information to an identified user corresponding to non-identifying user information, and more particularly, to a loan using non-identifying user information corresponding to the identified user. The present invention relates to a system for matching a loan advertisement for a loan product with a loan condition that the identification user can actually receive by performing a review for the identification user.

In the conventional loan system, a loan applicant visits a financial company and signs a contract, and more than 90% of the income sources of financial companies such as banks, capitals, and savings banks are made up of loans.

As a result, financial companies make a lot of effort to find loan applicants, but since it is difficult to determine who is the borrower until a loan inquiry is received directly from the loan applicant, financial companies loan people who click on the keyword related to loan on the portal site. It is judged as a consumer and is posting expensive keyword advertisements.

However, it is not known whether the person who clicks the keyword advertisement will actually apply for a loan, and whether they are eligible for a loan, and since only a small number of people who actually click the keyword advertisement are receiving loans, the advertising efficiency is low. The loan interest is being passed on to the loan interest of the applicant.

Meanwhile, in order to find out whether they can receive a loan, and what will be the loan conditions such as interest rate, limit, and repayment period, if the loan is possible, individuals such as name, social security number, and collateral real estate, etc. Information must be open to financial institutions, and loan review applications must be submitted to several financial institutions to find out better loan terms.

However, it is not only temporal and physical constraints to go to various financial institutions to be examined for loans, and the act of undergoing multiple loan examinations causes a decline in the credit rating, and the personal information opened for loan examination is a loan salesperson. There is a problem that it is delivered to people and constantly receives spam calls.

Therefore, in order to solve the problem of such financial companies and loan applicants, the present inventors can easily filter out eligible loaners from the standpoint of financial companies, and from the standpoint of loan applicants compare actual loanable conditions without problems such as indiscriminate personal information leakage. We want to provide a system that supports it.

An object of the present invention is to solve all the above-described problems.

In addition, another object of the present invention is to provide a loan advertisement for loan products with loan terms that can be actually received from a financial institution by using non-identifying user information corresponding to the identified user.

In addition, the present invention generates loan demand information for non-identified users using non-identified user information corresponding to the identified user by a loan advertisement provider, so that each financial institution can actually receive loan conditions using the corresponding non-identified user loan demand information. Another purpose is to be able to provide loan advertisements for loan products of the company.

In addition, according to the present invention, the loan advertisement provider generates loan demand information for non-identified users using non-identified user information corresponding to the identified user, so that each financial institution makes a bid for the corresponding non-identified user loan demand information. Another purpose is to provide loan advertisements for loan products with favorable loan terms.

In addition, according to the present invention, the loan advertisement provider generates loan demand information for non-identified users using non-identified user information corresponding to the identified user, so that each financial institution uses the corresponding non-identified user loan demand information to advertise a loan for a loan product. Another purpose is to provide the identification user information only to the financial institution selected by the identification user, so that the loan can proceed without the leakage of indiscriminate information.

In addition, another object of the present invention is to easily identify eligible borrowers according to loan demand information for non-identifying users using non-identifying user information, and to provide matching loan advertisements to target customers through this. .

According to an embodiment of the present invention for achieving the above object, in the method of matching the loan advertisement determined using the non-identified user information to the identification user corresponding to the non-identified user information, (a) from the identification user terminal When the loan search request is obtained, the loan advertisement providing server transmits at least one loan category for available loans to the identification user terminal, and a selection signal for a specific loan category in the loan category from the identification user terminal If obtained, causing a loan condition input interface to be displayed on the identification user terminal; (b) When a loan request condition is input from the identification user terminal by inputting a condition for the identification user to receive a loan through the loan condition input interface, the loan advertisement providing server requests identification user information to the identification user terminal And generating non-identifying user information obtained by de-identifying the identification user information obtained by the identification user terminal, and generating non-identifying user loan demand information by referring to the loan desired condition and the non-identifying user information. ; And (c) when at least one loan product that can be provided to the non-identified user is obtained from at least one financial institution affiliate terminal in response to the loan hope condition referring to the non-identified user loan demand information and the non-identified user information, The loan advertisement providing server transmits a loan advertisement corresponding to the at least one loan product corresponding to the loan demand information for the non-identified user to the identification user terminal corresponding to the non-identified user, so that the identification user Allowing a desired loan product to be selected by referring to the loan advertisement for the loan product of A method comprising a is provided.

In the step (c), the loan advertisement providing server supports the at least one financial institution affiliate terminal connected to the loan advertisement providing server to display the unidentified user loan demand information, and the at least one In response to the selection signal for the unidentified user loan demand information from the financial institution affiliate terminal of, the desired loan condition and the non-identifying user while the at least one financial institution affiliate terminal is connected to the loan advertisement providing server By supporting to obtain information, at least one financial institution affiliate refers to the loan desired condition and the non-identified user information to determine the at least one loan product corresponding to the non-identified user loan demand information. It is transmitted to the loan advertisement providing server through a financial institution affiliate terminal.

In response to a selection signal for the first to k-th loan categories from a specific identification user terminal of a specific identification user, which is a part of the identification users, the first to k-th loan desired conditions and the first to k-th corresponding to the specific identification user In a state in which the first to kth non-identified user loan demand information each referring to the non-identified user information is generated, in the step (c), the loan advertisement providing server includes the first from the at least one financial institution affiliate terminal. When at least one loan product corresponding to each of the to k-th non-identifying user loan demand information is obtained, the specific identification is made by referring to the association relationship information between the identification user information and the first to k-th non-identifying user information Cause the user terminal to display the loan advertisements for loan products corresponding to the first to k-th unidentified user loan demand information and the first to k-th non-identified user loan demand information, wherein the specific identification user When the first to j-th non-identified user loan demand information is selected among the first to k-th non-identified user loan demand information by, the display area of the specific identification user terminal is divided into a first area to a j-th area, and And displaying the loan advertisements for loan products corresponding to each of the first to jth unidentified user loan demand information in each of the first to jth regions.

The loan advertisement providing server, when the first to j-th non-identified user loan demand information is selected among the first to k-th non-identified user loan demand information by the specific identification user, the specific identification user terminal causes the Display the loan advertisements for the loan products corresponding to each of the first to jth non-identified user loan demand information, wherein the first to jth corresponding to each of the first to jth non-identified user loan demand information In response to the priority, the loan advertisement for the loan products is displayed.

Each of the first to jth priorities sets the priorities in the order of at least the lowest interest rate for the loan product or the highest loan product limit, and when the loan product interest rate or the loan product limit is the same, the loan product It is set with reference to at least one of a review rating for a financial institution corresponding to, a time at which the loan product was proposed, and the loan product limit or the loan product interest rate.

The loan advertisement providing server displays a filtering condition including at least one of a loan product type, a loan product period, and a loan product interest rate for each of the first to jth non-identified user loan demand information, and the specific Some of the loan products filtered by at least one filtering condition selected by the identification user are displayed in correspondence with the first to jth priorities.

In the step (c), the loan advertisement providing server, when the selection signal for the desired loan product is obtained from the identification user terminal, financial institution information corresponding to the loan product, detailed loan product corresponding to the loan product Information, a review rating of a financial institution corresponding to the loan product, and a loan application selection icon for the loan product are displayed on the identification user terminal.

The loan application selection icon includes at least one of an online loan icon, a phone loan icon, and a financial institution visit icon, and the loan advertisement providing server obtains a selection signal for a specific loan application selection icon from the identification user terminal. , A loan is made from the financial institution affiliate terminal to the identification user by a loan method corresponding to the specific loan application selection icon.

In the step (b), the loan advertisement providing server allows the identification user to input a loan amount through the loan condition input interface, and provides a list of preset loan periods to select a specific loan period. Make it possible.

The loan advertisement providing server, when the loan amount is input or the specific loan period is selected, it is possible to add and delete a visitable area through the loan condition input interface.

The identification user information further includes identification user credit information, and in the step (b), the loan advertisement providing server requests the identification user credit information from at least one credit rating server with reference to the identification user information. The identification user credit information is obtained from the at least one credit rating server.

In the step (b), the loan advertisement providing server includes the identification user's income information and the identification user's by scraping in the administrative office server in response to the identification information of the identification user in the identification user terminal. At least one of job information and information on the tenure of the identified user is additionally obtained, and in step (c), the loan advertisement providing server includes income information of the identified user, job information of the identified user, and The at least one loan product that can be provided to the identified user by adding at least one of the tenure information of the identified user is obtained from the at least one financial institution affiliate terminal.

The loan advertisement providing server transmits the identification user credit information obtained from the at least one credit rating server to the identification user terminal to allow the identification user to check whether the identification user credit information matches.

The loan advertisement providing server, when a signal indicating that the identification user credit information does not match the identification user is obtained from the identification user terminal, the identification user credit information including at least a job, a job name, an annual salary, and a date of employment. Requests the identification user's income and work information to the identification user terminal.

The loan advertisement providing server, when the working period at the current workplace of the identification user with reference to the entering date obtained from the identification user terminal is less than a preset working period, the entering and leaving years of the previous workplace to the identification user terminal request.

The loan advertisement providing server, when a signal indicating that the identification user credit information matches the identification user is obtained from the identification user terminal, the at least one financial institution affiliate terminal to set a period for receiving the loan product proposal Request to identification user terminal.

In addition, according to an embodiment of the present invention, in a method of matching a loan advertisement determined using non-identified user information to an identified user corresponding to the non-identified user information, (a) a loan search request from the identified user When at least one loan category for loans that can be provided from the loan advertisement providing server is obtained in response to, the identification user terminal displays the loan category to the identification user, and the identification user provides a specific loan in the loan category. When selecting a category, transmitting a selection signal for the specific loan category to the loan advertisement providing server to support the loan advertisement providing server to transmit a loan condition input interface to the identification user terminal; (b) The identification user terminal displays the loan condition input interface to input a condition for the identification user to receive a loan, and when the identification user inputs a condition for receiving a loan through the loan condition input interface, the The loan desired condition input by the identification user is transmitted to the loan advertisement providing server, and the identification user information corresponding to the identification user is provided with the loan advertisement in response to a request for identification user information from the loan advertisement providing server. By sending it to the server, the loan advertisement providing server generates non-identified user information obtained by de-identifying the identification user information, and the loan demand information for the non-identified user referring to the loan desired condition and the non-identifying user information Assisting to create; And (c) at least one loan product that can be provided to the non-identified user corresponding to the loan desired condition and the non-identified user information referring to the non-identified user loan demand information from at least one financial institution affiliate terminal, the When the loan advertisement for the loan product corresponding to the identification user is obtained from the loan advertisement providing server, the identification user terminal, so that the identification user can select a desired loan product by referring to the at least one loan product. Displaying the loan advertisement for one loan product; A method comprising a is provided.

In the step (c), the at least one loan product that can be provided to the non-identified user corresponding to the identification user information is the at least one financial service in a state in which the loan advertisement providing server is connected to the loan advertisement providing server. Supports the institutional affiliate terminal to display the non-identified user loan demand information, and in response to a selection signal for the non-identified user loan demand information from the at least one financial institution affiliate terminal, the at least one financial institution affiliate By supporting the terminal to obtain the desired loan condition and the non-identified user information while being connected to the loan advertisement providing server, at least one financial institution affiliate refers to the loan desired condition and the non-identified user information. The at least one loan product corresponding to the unidentified user loan demand information is transmitted to the loan advertisement providing server through the at least one financial institution affiliate terminal.

In response to a selection signal for the first to k-th loan categories from a specific identification user terminal of a specific identification user, which is a part of the identification users, the first to k-th loan desired conditions and the first to k-th corresponding to the specific identification user In a state in which the first to kth non-identified user loan demand information referring to the non-identified user information, respectively, is generated, in the step (c), the identification user terminal, from the at least one financial institution affiliate terminal, the first to When at least one loan product corresponding to each of the k-th non-identified user loan demand information is obtained from the loan advertisement providing server with reference to the relationship information between the identification user information and the first to k-th non-identifying user information , Displaying the loan advertisements for loan products corresponding to each of the first to k-th non-identified user loan demand information and the first to k-th non-identified user loan demand information, and the first through the specific identification user When the first to j-th non-identified user loan demand information is selected among the 1 to k-th unidentified user loan demand information, the display area of the specific identification user terminal is divided into a first area to a j-th area, and the first The loan advertisements for loan products corresponding to each of the first to jth unidentified user loan demand information are displayed in each of the regions to the jth regions.

In addition, according to an embodiment of the present invention, in the loan advertisement providing server that matches the loan advertisement determined using the non-identifying user information to the identified user corresponding to the non-identifying user information, A memory storing instructions for matching a loan advertisement to an identified user corresponding to the non-identified user information; And a processor configured to match the loan advertisement determined by using the non-identified user information according to the instructions stored in the memory to the identified user corresponding to the non-identified user information. Including, wherein the processor, (i) when a loan search request is obtained from the identification user terminal, transmits at least one loan category for available loans to the identification user terminal, and the loan category from the identification user terminal When a selection signal for a specific loan category is obtained, a process of causing a loan condition input interface to be displayed on the identification user terminal, (ii) the identification by inputting a condition for the identification user to receive a loan through the loan condition input interface When the loan desired condition is input from the user terminal, the identification user information is requested to the identification user terminal, the identification user information obtained by the identification user terminal is de-identified and processed to generate non-identifying user information, and the loan A process of generating loan demand information for non-identifying users referring to a desired condition and the non-identifying user information, and (iii) the non-identifying user information in response to the loan desired condition and the non-identifying user information referring to the non-identifying user loan demand information. When at least one loan product that can be provided to a user is obtained from at least one financial institution affiliate terminal, a loan advertisement for the at least one loan product corresponding to the non-identified user loan demand information is displayed to the non-identified user. A loan advertisement providing server is provided that performs a process of allowing the identification user to select a desired loan product by referring to the at least one loan product by transmitting it to the identification user terminal.

The processor, in the (iii) process, supports the at least one financial institution affiliate terminal connected to the loan advertisement providing server to display the unidentified user loan demand information, and the at least one financial institution In response to a selection signal for the unidentified user loan demand information from an affiliate terminal, the at least one financial institution affiliate terminal obtains the desired loan condition and the non-identifying user information while connected to the loan advertisement providing server By supporting so that the at least one financial institution affiliate refers to the loan hope condition and the non-identified user information, the at least one financial institution affiliate provides the at least one loan product corresponding to the non-identified user loan demand information It is transmitted to the loan advertisement providing server through the terminal.

In response to a selection signal for the first to k-th loan categories from a specific identification user terminal of a specific identification user, which is a part of the identification users, the first to k-th loan desired conditions and the first to k-th corresponding to the specific identification user In a state in which the first to k-th non-identified user loan demand information each referring to the non-identified user information is generated, the processor, in the (iii) process, the first to k-th from the at least one financial institution affiliate terminal. When at least one loan product corresponding to each of the non-identifying user loan demand information is obtained, referring to the association relationship information between the identification user information and the first to k-th non-identifying user information, the specific identification user terminal Cause the first to kth unidentified user loan demand information and the first to kth non-identified user loan demand information to display the loan advertisements for loan products corresponding to each of the first to kth non-identified user loan demand information, and the specific identification user When the first to jth non-identified user loan demand information is selected among the first to kth non-identified user loan demand information, the display area of the specific identification user terminal is divided into a first area to a jth area, and the The loan advertisements for loan products corresponding to each of the first to jth unidentified user loan demand information are displayed in each of the first to jth regions.

When the first to jth non-identifying user loan demand information is selected from the first to k-th non-identified user loan demand information by the specific identification user, the processor causes the specific identification user terminal to cause the first to Display the loan products corresponding to each of the j-th non-identified user loan demand information, but select the loan products according to the first to j-th priorities corresponding to each of the first to j-th non-identified user loan demand information. Display it.

Each of the first to jth priorities sets the priorities in the order of at least the lowest interest rate for the loan product or the highest loan product limit, and when the loan product interest rate or the loan product limit is the same, the loan product It is set with reference to at least one of a review rating for a financial institution corresponding to, a time at which the loan product was proposed, and the loan product limit or the loan product interest rate.

The processor, for each of the first to jth unidentified user loan demand information, displays a filtering condition including at least one of a loan product type, a loan product period, and a loan product interest rate, and to the specific identification user Some loan products among the loan products filtered by at least one filtering condition selected by are displayed in correspondence with the first to jth priority.

The processor, in the (iii) process, when the selection signal for the desired loan product is obtained from the identification user terminal, financial institution information corresponding to the loan product, detailed loan product information corresponding to the loan product, the A review rating of a financial institution corresponding to a loan product, and a loan application selection icon for the loan product are displayed on the identification user terminal.

The loan application selection icon includes at least one of an online loan icon, a phone loan icon, and a financial institution visit icon, and the processor, when a selection signal for a specific loan application selection icon is obtained from the identification user terminal, the specific The loan is made from the financial institution affiliate terminal to the identified user by a loan method corresponding to the loan application selection icon.

The processor, in the (ii) process, allows the identification user to input a loan amount through the loan condition input interface, and provides a list of preset loan periods to select a specific loan period. .

When the loan amount is input or the specific loan period is selected, the processor enables the addition and deletion of a visitable area through the loan condition input interface.

The identification user information further includes identification user credit information, and the processor includes, in the (ii) process, the at least one credit rating server by requesting the identification user credit information by referring to the identification user information. Obtain the identification user credit information from the credit rating server.

The processor, in the (ii) process, in response to the identification information of the identification user in the identification user terminal, by scraping in an administrative office server, income information of the identification user, workplace information of the identification user, And at least one of the identification user's tenure period information is additionally obtained, and in the process (iii), at least one of income information of the identification user, job information of the identification user, and tenure period information of the identification user By adding, the at least one loan product that can be provided to the identification user is obtained from the at least one financial institution affiliate terminal.

The processor transmits the identification user credit information obtained from the at least one credit rating server to the identification user terminal to allow the identification user to check whether the identification user credit information matches.

When a signal indicating that the identification user credit information does not match the identification user is obtained from the identification user terminal, the processor includes at least a job, a job name, an annual salary, and a date of employment as the identification user credit information. Income and work information is requested to the identification user terminal.

When the working period at the current workplace of the identification user with reference to the entering date obtained from the identification user terminal is less than a preset working period, the processor requests the entering date and resignation date of the previous workplace to the identification user terminal.

The processor, when a signal indicating that the identification user credit information matches the identification user is obtained from the identification user terminal, the identification user terminal to set a period in which the loan product is offered from the at least one financial institution affiliate terminal As requested.

In addition, according to an embodiment of the present invention, in the identification user terminal that matches the loan advertisement determined using the non-identified user information to the identification user corresponding to the non-identified user information, instructions for the loan proceeding by the identification user Memory in which they are stored; And a processor that performs an operation for lending the identification user according to the instructions stored in the memory. Including, wherein the processor, (i) in response to a loan search request from the identification user, when at least one loan category for loans that can be provided from the loan advertisement providing server is obtained, the loan category to the identification user Display, and when the identification user selects a specific loan category from the loan category, by transmitting a selection signal for the specific loan category to the loan advertisement providing server, the loan advertisement providing server identifies the loan condition input interface The process of supporting transmission to a user terminal, (ii) displaying the loan condition input interface to allow the identification user to input a condition for receiving a loan, and the identification user inputting a condition for receiving a loan through the loan condition input interface Then, the loan desired condition input by the identification user is transmitted to the loan advertisement providing server, and the identification user information corresponding to the identification user is transmitted in response to a request for identification user information from the loan advertisement providing server. By allowing the loan advertisement providing server to be transmitted to the loan advertisement providing server, the loan advertisement providing server generates non-identifying user information obtained by de-identifying the identification user information, and a non-identifying user loan referring to the loan desired condition and the non-identifying user information A process for supporting generation of demand information, and (iii) providing to the non-identifying user corresponding to the loan request condition and the non-identifying user information referring to the unidentified user loan demand information from at least one financial institution affiliate terminal In at least one possible loan product, when the loan advertisement for the loan product corresponding to the identification user is obtained from the loan advertisement providing server, the identification user selects a desired loan product by referring to the at least one loan product. An identification user terminal is provided that performs a process of displaying the at least one loan product to enable it.

In the (iii) process, the at least one loan product that can be provided to the non-identified user corresponding to the identification user information is the at least one loan product in a state in which the loan advertisement providing server is connected to the loan advertisement providing server. Supports the institutional affiliate terminal to display the non-identified user loan demand information, and in response to a selection signal for the non-identified user loan demand information from the at least one financial institution affiliate terminal, the at least one financial institution affiliate By supporting the terminal to obtain the desired loan condition and the non-identified user information while being connected to the loan advertisement providing server, at least one financial institution affiliate refers to the loan desired condition and the non-identified user information. The at least one loan product corresponding to the unidentified user loan demand information is transmitted to the loan advertisement providing server through the at least one financial institution affiliate terminal.

In response to a selection signal for the first to k-th loan categories from a specific identification user terminal of a specific identification user, which is a part of the identification users, the first to k-th loan desired conditions and the first to k-th corresponding to the specific identification user In a state in which the first to k-th non-identified user loan demand information each referring to the non-identified user information is generated, the processor, in the (iii) process, the first to k-th from the at least one financial institution affiliate terminal. The loan advertisement providing server in which the loan advertisement for at least one loan product corresponding to each of the non-identified user loan demand information refers to the relationship information between the identification user information and the first to k-th non-identifying user information When obtained from, the first to k-th unidentified user loan demand information and the first to k-th unidentified user loan demand information are displayed, respectively, and loan products corresponding to the first to k-th unidentified user loan demand information are displayed. When the first to jth non-identified user loan demand information is selected among the k non-identified user loan demand information, the display area of the specific identification user terminal is divided into a first area to a jth area, and the first area to the first area In each of the j areas, loan products corresponding to each of the first to j-th unidentified user loan demand information are displayed.

In addition to this, a computer-readable recording medium for recording a computer program for executing the method of the present invention is further provided.

According to the present invention, the following effects are obtained.

The present invention can provide loan advertisements for loan products with loan terms that can be actually received from a financial institution by using non-identifying user information corresponding to the identified user.

In addition, the present invention generates loan demand information for non-identified users using non-identified user information corresponding to the identified user by a loan advertisement provider, so that each financial institution can actually receive loan conditions using the corresponding non-identified user loan demand information. It can provide a loan advertisement for loan products of

In addition, according to the present invention, the loan advertisement provider generates loan demand information for non-identified users using non-identified user information corresponding to the identified user, so that each financial institution makes a bid for the corresponding non-identified user loan demand information. It can provide a loan advertisement for loan products with favorable loan terms.

In addition, according to the present invention, the loan advertisement provider generates loan demand information for non-identified users using non-identified user information corresponding to the identified user, so that each financial institution uses the corresponding non-identified user loan demand information to advertise a loan for a loan product. By providing the identification user, the identification user information is disclosed only to the financial institution selected by the identification user, so that the loan can proceed without the leakage of indiscriminate information.

In addition, according to the present invention, it is possible to easily identify eligible borrowers according to loan demand information for non-identifying users using non-identifying user information, and through this, it is possible to provide a matching loan advertisement to target customers.

FIG. 1 schematically shows a system for matching a loan advertisement determined using non-identified user information to an identified user corresponding to non-identified user information according to an embodiment of the present invention,
2 to 19 schematically illustrate a method of matching a loan advertisement determined using non-identified user information to an identified user corresponding to the non-identified user information according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE INVENTION The detailed description of the present invention to be described below refers to the accompanying drawings, which illustrate specific embodiments in which the present invention may be practiced. These embodiments are described in detail sufficient to enable a person skilled in the art to practice the present invention. It is to be understood that the various embodiments of the present invention are different from each other but need not be mutually exclusive. For example, specific shapes, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the present invention in relation to one embodiment. In addition, it should be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the present invention. Accordingly, the detailed description to be described below is not intended to be taken in a limiting sense, and the scope of the present invention, if appropriately described, is limited only by the appended claims, along with all scopes equivalent to those claimed by the claims. In the drawings, like reference numerals refer to the same or similar functions over several aspects.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings in order to enable those of ordinary skill in the art to easily implement the present invention.

1 schematically shows a system for matching a loan advertisement determined using non-identifying user information to an identified user corresponding to non-identifying user information according to an embodiment of the present invention. Referring to FIG. 1, the system May include identification user terminals 100-1 to 100-m, a loan advertisement providing server 200, and financial institution affiliate terminals 300-1 to 300-n,

First, each of the identification user terminals 100-1 to 100-m is a subject that provides loan-related information to an identification user who wishes to borrow and allows the identification user to input information related to the loan, and a personal computer (PC) , Mobile computers, PDA/EDA, mobile phones, smart phones, tablets, IoT devices, and the like. In addition, each of the identification user terminals 100-1 to 100-m is not limited thereto, and may include all devices such as a portable game machine, a digital camera, and a personal navigation system having a wired/wireless communication function. In addition, each of the identification user terminals (100-1 to 100-m) are memories (110-1 to 110-m) and memories (110-1 to 110-) that store instructions for the loan progress by the identification user. m) It may include processors 120-1 to 120-m that perform an operation for lending the identification user in response to the instructions stored in each.

Specifically, each of the identification user terminals 100-1 to 100-m typically may include a computing device (e.g., a computer process, memory, storage, input device and output device, and other components of an existing computing device). Devices; electronic communication devices such as routers, switches, etc.; electronic information storage systems such as network-attached storage (NAS) and storage area networks (SAN)) and computer software (i.e., instructions that cause the computing device to function in a specific way) S) may be used to achieve the desired system performance.

In addition, the processor of the computing device may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. In addition, the computing device may further include an operating system and a software configuration of an application that performs a specific purpose.

Next, the loan advertisement providing server 200 matches the loan advertisement determined using the non-identifying user information to the identified user corresponding to the non-identifying user information, and de-identifies the loan advertisement determined using the non-identifying user information. The loan advertisement determined using the non-identifying user information in response to the instructions stored in the memory 210 and the memory 210 that stores instructions for matching and giving to the identification user corresponding to the user information is converted to the non-identifying user information. It may include a processor 220 that performs an operation to match the identification user. In this case, although only one loan advertisement providing server 200 is shown in FIG. 1, this is for convenience of explanation, and the loan advertisement providing server 200 uses non-identifying user information corresponding to the identified user to It can be composed of a number of servers that provide loan advertisements.

Specifically, the loan advertisement providing server 200 is typically a computing device (e.g., a computer processor, memory, storage, input device and output device, a device that may include components of other existing computing devices; routers, switches, etc.) Using a combination of the same electronic communications device; electronic information storage systems such as network attached storage (NAS) and storage area networks (SAN)) and computer software (i.e., instructions that cause the computing device to function in a specific way). It may be to achieve the desired system performance.

In addition, the processor of the computing device may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. In addition, the computing device may further include an operating system and a software configuration of an application that performs a specific purpose.

Next, each of the financial institution affiliate terminals 300-1 to 300-n provides loan advertisements for loan products with loan terms that the identified user can actually receive by referring to non-identified user information. It may include a server, a manager terminal of a financial institution such as PB (Private Banking), a loan consultant terminal, a loan operator terminal, etc., but is not limited thereto, and any loan product that can provide loan products using non-identifying user information It may include a terminal. At this time, each of the financial institution affiliate terminals 300-1 to 300-n are memories 310-1 to store instructions for providing loan products based on actual loan conditions that can be proposed by referring to non-identifying user information. 310-n) and the instructions stored in each of the memories 310-1 to 310-n, a processor that provides loan products based on real loan conditions that can be proposed by referring to non-identifying user information They may include (320-1 to 320-n).

Specifically, each of the financial institution affiliate terminals 300-1 to 300-n will typically include a computing device (e.g., a computer process, memory, storage, input device and output device, and other components of an existing computing device). Devices; electronic communication devices such as routers, switches, etc.; electronic information storage systems such as network attached storage (NAS) and storage area networks (SANs) and computer software (i.e., allowing computing devices to function in a specific way). Instructions) can be used to achieve the desired system performance.

In addition, the processor of the computing device may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. In addition, the computing device may further include an operating system and a software configuration of an application that performs a specific purpose.

The loan advertisement determined using the non-identifying user information is provided using a system that matches the loan advertisement determined using the non-identified user information according to an embodiment of the present invention configured as described above to the identified user corresponding to the non-identified user information. A method of matching an identified user corresponding to the non-identifying user information will be described with reference to FIGS. 2 to 19 as follows. In the following description, the identification user terminal 100-1 and the financial institution affiliate terminal 300-1 are mainly described, but this is limited to the identification user terminal 100-1 and the financial institution affiliate terminal 300-1. In addition, it should be understood that other identification user terminals and financial institution affiliate terminals operate in parallel or in combination by the same operation. In addition, the loan categories and the like shown in the drawings are illustratively shown and the present invention is not limited thereto.

First, referring to FIG. 2, when the identification user requests a loan search through the identification user terminal 100-1 while accessing the loan advertisement providing server 200 through the identification user terminal 100-1, the loan The advertisement providing server 200 transmits at least one loan category for loans that can be provided to the identification user terminal 100-1 in response to a loan search request from the identification user terminal 100-1. Then, the identification user terminal 100-1 displays at least one loan category received from the loan advertisement providing server 200 so that the identification user can know (S1). At this time, the loan category may include an employee credit loan, a personal business loan, a mortgage loan, an employee negative bankbook, an individual businessperson negative bankbook, and the like, but the present invention is not limited thereto.

Thereafter, when the identification user selects a specific loan category (①) desired to receive a loan from among the loan categories displayed on the identification user terminal 100-1, the identification user terminal 100-1 is a specific loan selected by the identification user The selection signal for the category (①) is transmitted to the loan advertisement providing server 200. Then, the loan advertisement providing server 200 transmits a loan condition input interface corresponding to a specific loan category (①) to the identification user terminal 100-1. Accordingly, the identification user terminal 100-1 displays the loan condition input interface transmitted from the loan advertisement providing server 200 (S2) to determine the loan condition the identification user desires to receive a loan through a specific loan category (①). Make it possible to input.

In addition, according to the loan condition input interface displayed through the identification user terminal 100-1, the identification user inputs a desired loan condition including at least a desired loan amount (②) and a loan desired period (③). At this time, depending on the loan category, a loan category that does not require the setting of the desired loan period. For example, in the case of a negative bankbook, the setting for the desired loan period can be omitted because it is updated every set period, and the loan category with a fixed loan desired period In this case, the loan desired period may be set as a default.

At this time, the identification user terminal 100-1 allows the identification user to input the desired loan amount (②) and the loan desired period (③) on a single display screen through an interaction with the loan advertisement providing server 200, or Only one of the desired loan amount (②) and the loan desired period (③) is displayed so that the identification user can enter it, and the identification user can enter either the desired loan amount (②) or the loan desired period (③). When a desired condition is entered, another desired condition can be additionally displayed, allowing the identification user to enter another desired condition. In addition, the identification user terminal (100-1) is identified by providing a list of preset loan periods using a pop-up window, etc., when entering the loan desired condition (③) through the interaction with the loan advertisement providing server 200 A user may be able to select a desired loan period from a list of preset loan periods.

In addition, the identification user terminal (100-1) is visited for a loan in addition to the desired loan amount (②) and the loan desired period (②) through the loan condition input interface by the identification user through the interaction with the loan advertisement providing server 200. Possible areas (④) can be entered as the desired conditions for loan. At this time, the identification user terminal 100-1 allows the identification user to directly input an area that can be visited by the identification user through the interaction with the loan advertisement providing server 200 or provides an upper area category so that the identification worker can select a specific upper area category. In a way that allows the identification worker to select a specific sub-regional category that corresponds to the specific upper-regional category by providing the sub-regional category that is included in the specific upper-regional category when the identification worker selects a specific upper-regional category. You can make it possible to enter the desired area. In addition, the identification user terminal (100-1) is to input a visitable area (④) for a loan through an interaction with the loan advertisement providing server 200, thereby adding a visitable area or inputting a visitable area. It can be deleted, and the identification user can enter multiple visitable areas as needed.

Next, referring to FIG. 3, the loan advertisement providing server 200 requests identification user information to the identification user terminal 100-1 (S3). Then, the identification user inputs his/her identification user information through the identification user information input window displayed through the identification user terminal 100-1, so that the identification user terminal 100-1 is identified as the loan advertisement providing server 200 Send user information.

Meanwhile, the identification user information may include identification user credit information, and the identification user inputs his or her identification user information through the identification user terminal 100-1, and then authenticates himself/herself in order to obtain identification user credit information. ②), the identification user terminal 100-1 requests identification user credit information from at least one credit rating server, or the loan advertisement providing server 200 identifies the identification obtained from the identification user terminal 100-1 The identification user credit information corresponding to the identification user is requested to at least one credit rating server with reference to the user information.

Then, at least one credit rating server performs authentication such as real name verification with the identification user terminal 100-1 (S4). At this time, the real name confirmation, etc., is performed by the identification user directly, or the loan advertisement providing server 200 uses the identification user information obtained from the identification user terminal 100-1 to automatically input information necessary for real name confirmation. May be.

Next, referring to FIG. 4, at least one credit rating server provides a user authentication window for user authentication to the identification user terminal 100-1 (S5) so that the identification user can perform user authentication. I can. In this case, the user authentication may be performed by various methods such as phone number authentication through the identification user terminal 100-1, voice authentication through a phone call, and credit card authentication.

And, when the identification user performs user authentication through the identification user terminal 100-1 and user authentication for the identification user is completed, the at least one credit rating server identifies identification user credit information according to the user authentication result. 100-1) or by providing it through the loan advertisement providing server 200 so that the identification user can check whether the identification user's identification user's identification user's identification user's identification user's identification user's identification user's credit information matches the identification user by providing it through the loan advertisement providing server 200 can do. At this time, the identification user credit information may include the identification user's current job, annual income, etc., but is not limited thereto, and credit rating, card usage information, overdue information, real estate information, other loan information, age, gender, and default information Etc. It may contain various credit information related to the identification user.

In addition, the loan advertisement providing server 200 includes identification user information from the identification user terminal 100-1, for example, the identification user's workplace information by scraping in the administrative office server in response to the identification information of the identification user, At least one of tenure information and income information may be additionally obtained. At this time, the administrative office server may include the Health Insurance Management Corporation server, the Pension Insurance Corporation, the National Tax Service, etc., and the identification user's workplace, the employment period verification, and a job from the Health Insurance Management Corporation server or the Pension Insurance Corporation server for income estimation. You can check the actual income information for the user, identification from the tax administration server, and insurance premium information.

Next, referring to FIG. 5, after the identification user checks the identification user credit information displayed on the identification user terminal 100-1, the identification user terminal 100- 1) When this signal is transmitted to the loan advertisement providing server 200, the loan advertisement providing server 200 is a period in which a loan product is offered from at least one financial institution affiliate terminals 300-1 to 300-n. Request to the identification user terminal (100-1) to set (S7).

Then, the identification user terminal 100-1 allows the identification user to directly input the proposal period in response to a request for setting the proposal period from the loan advertisement providing server 200, or to interact with the loan advertisement providing server 200. Through the display (S8) of the selection times that a predetermined period arrives from the current time when the loan application is made, the identification user may select a specific selection time desired so that the proposed period can be set.

Meanwhile, referring to FIG. 6, after the identification user checks the identification user credit information displayed on the identification user terminal 100-1 (S9), the identification user inputs a signal (①) indicating that the identification user credit information does not match. When the identification user terminal 100-1 transmits a signal according to this to the loan advertisement providing server 200, the loan advertisement providing server 200 identifies the identification user with the identification user terminal 100-1. The identification user credit information input interface for direct input is transmitted to the identification user terminal 100-1 (S10).

Then, the identification user terminal 100-1 displays an identification user credit information input interface so that the identification user can directly input the identification user credit information.

At this time, the identification user credit information that the identification user can directly input may include job information (②), job information (③), income information (④), employment information (⑤), etc., but is not limited thereto and loans In connection with this, you can enter various credit information required by financial institutions. That is, the identification user may input the identification user's income and job information including at least a job, a job name, an annual salary, and an employment date as identification user credit information.

And, referring to FIG. 7, in a state in which the identification user terminal 100-1 displays the identification user credit information input interface, when the identification user wants to input job information ②, the identification user directly inputs job information. The identification user terminal 100-1 displays a preset job group through an interaction with the loan advertisement providing server 200 (S11), and the identification user selects a specific job group among the preset job groups ( If ⑥) is selected, a specific occupation group (⑥) selected by the identification user can be input (S12) as occupation information of the identification user.

In addition, by using a method similar to the input of job information (②), even when entering the job information (③), the identification user can directly input his/her job information, or correspond to the text entered through the search API. By providing a preset job list, the identification user may be able to select his/her job information through a preset job list.

In addition, even when entering the incident information (⑤), it is possible to allow the identification user to directly input his/her incident information by a similar method, or to select the incident information through a calendar interface.

On the other hand, referring to FIG. 8, when the current working condition of the identified user at the current workplace of the identified user identified by referring to the employment information input by the identification user is not a loanable condition, the identification user terminal 100-1 provides a loan advertisement Through the interaction with the server 200, the identification user may additionally input information about entering a previous workplace.

For example, if the identification user's employment information at the current workplace is not a loanable working condition, an interface is provided (S13) to allow the identification user to add the employment information of the previous job. When a signal for adding employment information for a job is input (①), the identification user terminal 100-1 inputs previous job information to allow the previous job to be entered through the interaction with the loan advertisement providing server 200 An interface is provided (S14), and through this, the identification user can input previous work information (②) such as work information, employment information, and resignation information information.

When the loan desired condition and identification user information are obtained from the identification user terminal 100-1 by this method, the loan advertisement providing server 200 compares the identification user information obtained from the identification user terminal 100-1. By identifying and processing, non-identifying user information is generated, and loan demand information for non-identified users is generated by referring to loan desired conditions and non-identifying user information corresponding to the identified user. At this time, the loan demand information for the non-identified user corresponding to the identified user may generate loan demand information for the first to k-th non-identified users referring to the first to k-th loan desired conditions and the first to k-th non-identified user information, respectively. have. In this case, k may be an integer of 1 or more.

Next, referring to FIG. 9, in a state in which non-identifying user loan demand information referring to loan desired conditions corresponding to each of the identified users and non-identifying user information corresponding to the identified user information of each of the identified users is generated, When the financial institution affiliate terminals 300-1 to 300-n are connected, the loan advertisement providing server 200 transmits the unidentified user loan demand information to at least one first to i-th preset by each of the financial institution affiliates. Classified corresponding to each of the target customer categories (①), and unidentified user loan demand information for each classified first to i-th target customer category (①) is displayed on the financial institution affiliate terminals 300-1 to 300-n (S15) Support to be done.

At this time, each of the financial institution affiliate terminals 300-1 to 300-n displays non-identifying user loan information corresponding to the non-identifying user information ② obtained by de-identifying the identification user information.

On the other hand, referring to FIGS. 10 and 11, the loan advertisement providing server 200 provides a target customer category setting interface to each of the financial institution affiliate terminals 300-1 to 300-n to provide the financial institution affiliate terminals 300. -1 to 300-n) by allowing each to set at least one condition among non-identifying user conditions to be filtered, non-identifying user information, a propositionable loan method, and non-identifying user information that cannot be proposed. It can support to create a specific target customer category among target customer categories. In this case, the loan advertisement providing server 200 may allow each of the financial institution affiliate terminals 300-1 to 300-n to pay a fee for generating the first to i-th target customer categories.

For example, the loan advertisement providing server 200 allows each of the financial institution affiliate terminals 300-1 to 300-n to input the name of the target customer category through the target customer category setting interface, and then filter Enter filtering conditions for customers. In this case, the filtering condition may include an age of a target customer category, a credit rating of a target customer category, an annual income of a target customer category, a loan method that can be handled such as a visit loan, a phone loan, or an online loan as a propositionable loan method. In addition, the filtering conditions may include unproposed non-identifying user information including the number of loans by business sector, the number of loans by business sector, the number of non-cancellation arrears, the number of canceled arrears, and the number of defaults. It is possible to set conditions for identification user information, for example, number of times.

Again, referring to FIG. 9, the loan advertisement providing server 200 provides a target customer category setting interface to each of the financial institution affiliate terminals 300-1 to 300-n, and the financial institution affiliate terminals 300-1 to 300-n) Allows each to check information on loan products (③) proposed by other financial institution affiliate terminals for each unidentified user loan demand information.

And, referring to FIG. 12, specific non-identified user loan demand information among non-identified user loan demand information by first to i-th target customer category from the financial institution affiliate terminals 300-1 to 300-n When a request to confirm the loan condition proposed by the financial institution affiliate terminal is obtained, the loan advertisement providing server 300 refers to the specific non-identified user information corresponding to the specific non-identified user loan demand information, and the specific non-identified user information The loan products proposed by other financial institution affiliate terminals are searched corresponding to and recorded, and according to the search result, the loan products proposed by the other financial institution affiliate terminals are selected in response to specific unidentified user loan demand information. It can support to be displayed on affiliate terminals.

At this time, each of the financial institution affiliate terminals 300-1 to 300-n, through an interaction with the loan advertisement providing server 200, information on the maximum and minimum interest rates in loan products proposed by other financial institution affiliate terminals Can be provided as summary information (①).

In addition, each of the financial institution affiliate terminals 300-1 to 300-n is filtered including at least one of a loan product type, a loan product period, and a loan product interest rate through an interaction with the loan advertisement providing server 200 Make sure that the conditions (②, ③, ④) are displayed, and some loan products (⑤, ⑥, ⑦) among the loan products filtered by at least one filtering condition selected by each financial institution affiliates are displayed. I can.

In addition, each of the financial institution affiliate terminals 300-1 to 300-n, through an interaction with the loan advertisement providing server 300, for loan products proposed by other financial institution affiliate terminals, at least a loan product Priority is set in the order of lowest interest rate or highest loan product limit, and if the loan product interest rate or loan product limit is the same, the review rating for the financial institution corresponding to the loan product, the time the loan product was offered, and the loan Priority may be set with reference to at least one of a product limit or a loan product interest rate, and loan products proposed by a partner terminal of another financial institution may be displayed in response to the set priority.

Next, referring to FIGS. 13 to 16, specific non-identifying user loan demand information among non-identifying user loan demand information displayed on each of the financial institution affiliate terminals 300-1 to 300-n by financial institution affiliates. If you select a request for information on specific non-identified user loan demand information among non-identified user loan demand information by first to i-th target customer category in order to check the loan conditions that can be borrowed for, that is, proposed, the financial institution affiliate The terminals 300-1 to 300-n transmit an information request for specific non-identified user loan demand information to the loan advertisement providing server 200, and accordingly, the loan advertisement providing server 200 is a specific non-identifying user. A specific loan request condition corresponding to the loan demand information and specific non-identifying user information are transmitted (S16) to the financial institution affiliate terminals 300-1 to 300-n. On the other hand, the loan advertisement providing server 200 may allow each of the financial institution affiliate terminals 300-1 to 300-n to pay a fee for confirming information on specific non-identifying user loan demand information.

At this time, the specific loan request conditions and specific non-identified user information corresponding to the specific non-identified user loan demand information are the information on the non-identified loan applicant (①), the details of the loan application (②), the credit score (③), and the factors influencing the credit score ( ④), annual credit rating history (⑤), summary of credit status (⑥), average expected interest rate by industry (⑦), loan revision report (⑧), loan transaction information (⑨), annual loan performance summary (⑩), cash service Information (⑪), card information setting report (⑫), joint guarantee details (⑬), credit recovery committee information (⑭), and the like, but are not limited thereto. In addition, specific loan wish conditions corresponding to specific non-identifying user loan demand information and specific non-identifying user information may include additional information (⑮) for credit evaluation of borrowers for each financial institution affiliate, and financial institution affiliate terminals ( The loan advertisement providing server 200 may provide the loan advertisement by a request from 300-1 to 300-n).

In addition, the loan advertisement providing server 200 provides a loan advertisement providing server API to which financial institution affiliate terminals 300-1 to 300-n can access, so that the financial institution affiliate terminals 300-1 to 300-n ) Each can obtain standardized non-identifying user information provided by the loan advertisement provision server 200 through the loan advertisement provision server API, and each of the financial institution affiliate terminals 300-1 to 300-n loan If non-identifying user information is additionally required in addition to the standardized non-identifying user information provided by the advertisement providing server 200, it may be obtained from the loan advertisement providing server 200 by requesting through the loan advertisement providing server API.

And, referring to FIG. 17, financial institution affiliates refer to specific loan wish conditions corresponding to specific non-identified user loan demand information and at least one or more loan conditions that can be actually provided to specific non-identified users with reference to specific non-identified user information. Selects the loan product of (S17) and transmits it to the loan advertisement providing server 200.

As an example, financial institution affiliates use the financial institution affiliate terminals (300-1 to 300-n) to provide loan terms (①) including repayment method, loan period, loan interest rate, and loan limit, and phone loan, online loan, and visit You will enter the handling method (②) such as loan.

In addition, financial institution affiliates may request necessary documents (③) for loans of specific identified users when providing loan products corresponding to specific non-identified user loan information.

Next, referring to FIG. 18, the non-identified user in response to the loan request condition and the non-identified user credit information referring to the loan demand information for the non-identified user from such financial institution affiliate terminals 300-1 to 300-n. When at least one loan product that can be provided to the user is obtained, the loan advertisement providing server 200 transmits a loan advertisement for at least one loan product corresponding to the non-identified user loan demand information to the identification user terminal corresponding to the non-identified user. By (S18), the identification user can select a desired loan product by referring to at least one loan product. That is, the loan advertisement providing server 200 matches the loan advertisement determined by using the non-identified user information to an identified user corresponding to the non-identified user information.

At this time, the loan advertisement providing server 200 supports at least one financial institution affiliate terminal 300-1 to 300-n connected to the loan advertisement providing server to display information on loan demand for non-identifying users, and at least In response to a selection signal for unidentified user loan demand information from one financial institution affiliate terminal (300-1 to 300-n), at least one financial institution affiliate terminal (300-1 to 300-n) is a loan advertisement By supporting the acquisition of desired loan conditions and non-identifying user information while connected to the providing server 200, at least one financial institution affiliate refers to the loan desired conditions and non-identified user information, and information on loan demand for non-identified users At least one loan product corresponding to is transmitted to the loan advertisement providing server 200 through at least one financial institution affiliate terminal 300-1 to 300-n.

In addition, the first to k-th loans corresponding to the specific identification user in response to a selection signal for the first to k-th loan category in the loan category from the specific identification user terminal 100-1 of a specific identification user who is a part of the identification users In a state in which the loan demand information for the first to k-th non-identifying users referring to the desired condition and the first to k-th non-identifying user credit information, respectively, is generated, the loan advertisement providing server 200 includes at least one financial institution affiliate terminal ( 300-1 to 300-n), when at least one loan product corresponding to each of the first to kth non-identified user loan demand information is obtained, the association between the identification user information and the first to kth non-identified user information With reference to the information, the specific identification user terminal 100-1 makes a loan for loan products corresponding to the first to k-th non-identified user loan demand information and the first to k-th non-identified user loan demand information. To display an advertisement, but when the first to j-th non-identified user loan demand information among the first to k-th non-identified user loan demand information is selected by a specific identification user (①, ②), a specific identification user terminal 100 The display area of -1) is divided into a first area to a jth area, and loan products (③, ④) corresponding to each of the first to jth unidentified user loan demand information in each of the first to jth areas Can be displayed. In this case, j and k may be an integer greater than or equal to 1, and j may be an integer less than or equal to k.

At this time, when the loan advertisement providing server 200 is selected from the first to jth non-identified user loan demand information among the first to k-th non-identified user loan demand information by a specific identification user, the specific identification user terminal 100- 1) to display loan products corresponding to each of the first to jth unidentified user loan demand information, but corresponding to the first to jth priorities corresponding to each of the first to jth non-identified user loan demand information Thus, you can display loan products.

On the other hand, the first to jth priorities, respectively, set the priority in the order of at least the lowest loan product interest rate or the highest loan product limit, and if the loan product interest rate or the loan product limit are the same, finance corresponding to the loan product It may be set with reference to at least one of a review rating for an institution, a time at which the loan product was proposed, and a loan product limit or a loan product interest rate.

And, for each of the first to jth unidentified user loan demand information, a filtering condition including at least one of a loan product type, a loan product period, and a loan product interest rate is displayed, and at least one selected by a specific identification user Some of the loan products filtered by one filtering condition may be displayed in correspondence with the first to jth priorities.

Next, referring to FIG. 19, when a selection signal for a desired loan product is obtained from the identification user terminal 100-1, the loan advertisement providing server 200 responds to financial institution information and loan product corresponding to the loan product. The loan product information, a review rating of a financial institution corresponding to the loan product, and a loan application selection icon for the loan product may be displayed on the identification user terminal (S19). At this time, when the identification user selects a specific loan product, the loan advertisement providing server 200 may request payment of a fee to a specific financial institution affiliate terminal 300-1 to 300-n corresponding to the specific loan product.

And, the loan application selection icon includes at least one of an online loan icon, a phone loan icon, and a financial institution visit icon, and when a selection signal for a specific loan application selection icon is obtained from the identification user terminal 100-1, the loan The advertisement providing server 200 makes a loan to an identification user using non-identifying user information from the financial institution affiliate terminals 300-1 to 300-n by a loan method corresponding to a specific loan application selection icon (S20). can do.

On the other hand, the loan advertisement providing server 200 enables the identification user to write a review on a loan product or a financial institution affiliate corresponding to the loan product, and may manage a rating for the created review.

Further, the embodiments according to the present invention described above may be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded in the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and usable to those skilled in the computer software field. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs and DVDs, magnetic-optical media such as floptical disks. media), and a hardware device specially configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of the program instructions include not only machine language codes such as those produced by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules to perform processing according to the present invention, and vice versa.

In the above, the present invention has been described by specific matters such as specific elements and limited embodiments and drawings, but this is provided only to help a more general understanding of the present invention, and the present invention is not limited to the above embodiments. , Anyone with ordinary knowledge in the technical field to which the present invention pertains can make various modifications and variations from these descriptions.

Therefore, the spirit of the present invention is limited to the above-described embodiments and should not be defined, and all modifications that are equally or equivalent to the claims as well as the claims to be described later fall within the scope of the spirit of the present invention. I would say.

100-1, 100-m: identification user terminal,
200: loan advertisement providing server
300-1, 300-n: Financial institution affiliate terminal

Claims (1)

In the method of providing a service using only the user's non-identifying information even if the user's identification information is not known,
(a) When a loan search request is obtained from the identification user terminal, the loan advertisement providing server transmits at least one loan category for available loans to the identification user terminal, and is specified in the loan category from the identification user terminal. When a selection signal for a loan category is obtained, causing a loan condition input interface to be displayed on the identification user terminal for inputting a loan desired condition corresponding to the specific loan category;
(b) When the loan desired condition is input from the identification user terminal by inputting a condition for the identification user to receive a loan through the loan condition input interface, the loan advertisement providing server transmits identification user information to the identification user terminal. Requesting, and generating non-identifying user information obtained by de-identifying the identification user information obtained by the identification user terminal, and generating non-identifying user loan demand information referring to the loan desired condition and the non-identifying user information. step; And
(c) When at least one loan product that can be provided to the non-identified user is obtained from at least one financial institution affiliate terminal in response to the loan desired condition referring to the non-identified user loan demand information and the non-identified user information, the The loan advertisement providing server transmits the loan advertisement corresponding to the at least one loan product corresponding to the loan demand information for the non-identified user to the identification user terminal corresponding to the non-identified user, so that the identification user Allowing a desired loan product to be selected by referring to the loan advertisement for the loan product;
Including,
The loan advertisement providing server, when the identification user selects a specific loan product that is the desired loan product, the at least one financial institution affiliate terminal that provides a specific loan advertisement corresponding to the specific loan product selected by the identification user In the case of requesting payment of a fee for the specific loan advertisement to a specific financial institution affiliate terminal, the identification user allows the specific loan advertisement or a specific financial institution corresponding to the specific financial institution affiliate terminal A method characterized by assisting in writing a review.

Images