METHOD FOR MANAGING OR USING PLATFORM CAPABLE OF PROVIDING ONE OR MORE CUSTOMIZED FINANCIAL PRODUCT TO AUTHENTIC USER BY USING USER INFORMATION, AND SERVER AND FINANCIAL INSTITUTION TERMINAL BY USING SAME

摘要

In the method of operating or using a platform for providing a customized mortgage loan product to a person eligible for a mortgage loan, (a) when a loan purpose and a specific real estate type to be provided as collateral are obtained from a user terminal, (i) the specific real estate type Checks whether the real estate market price is provided by the real estate market price providing server, (i-1) if the specific real estate type is the type in which the real estate market price is provided by the real estate market price providing server, the Requesting specific location information of a specific real estate and specific detailed information of the specific real estate, and referring to the specific location information and the specific detailed information obtained from the user terminal, the specific real estate price of the specific real estate from the real estate price providing server and (i-2) when the type of the specific real estate is not the type for which the real estate market price is provided by the real estate price providing server, the specific location information, the specific detailed information, and the specific real estate to the user terminal obtains the specific location information, the specific detailed information, and the expected real estate price from the user terminal by requesting the expected real estate price of (ii) the user terminal by requesting bond information corresponding to the specific real estate from the user terminal A process of obtaining collateral information corresponding to the specific real estate by obtaining the bond information from the terminal, when user information is obtained from the user terminal, the user''s credit information and the expected expected amount information of the user by using the user information confirm, request a loan application amount to the user terminal to obtain a loan application amount desired by the user from the user terminal, and request to select the user''s occupation from a group of occupations preset by the user terminal, and the user terminal When the specific job of the user is obtained from the user terminal, by obtaining the income information of the user from the user terminal by requesting the income information corresponding to the specific job to the user terminal, the credit information of the user and a process of obtaining the user''s income information, and the user''s mortgage application information with reference to at least one of the specific real estate type, the collateral information, the user''s credit information, the user''s income information, and the loan application amount User-secured loan referring to at least one of the loan purpose, the type of real estate, the collateral information, user credit information, user income information, the loan application amount, and user additional information corresponding to each of the users through the process of creating In a state in which the application information is generated, when the financial institution terminals are connected, the mortgage loan product providing server provides the user mortgage loan application information to the first target customer category to i-th - the i is 1 preset by each of the financial institutions an integer of the above - classifying corresponding to each target customer category, and supporting the classified first target customer category to the i-th target customer category to display the user mortgage application information on the financial institution terminals; and (b) from the financial institution terminals, the first target customer category to the i-th target customer category when secured loan products including loanable conditions corresponding to the user mortgage application information are obtained, the secured loan The product providing server classifies the mortgage products by user, and transmits the mortgage loan products classified by user to each of the user terminals, thereby allowing each of the user terminals to correspond to each of the users. supporting them to display; It relates to a method comprising