KR100487493B1 - The network-based insolvent obligation post-management system and method, the media of recording program source - Google Patents

Abstract

The disclosed invention provides a new method of repayment to the debtor so that the debtor may have a willingness to repay the debt, and the network-based bad debt post-management system and method for reducing part of the debt generated in the process of debt repayment to society. The present invention relates to a recording medium having recorded thereon a program source, comprising: a data communication network; After an unspecified number of creditors or debtors make an online connection, a database is constructed from the credit information or debt information inputted from the creditor or the debtor, and the arbitration is made between the creditors and the debtors, so that some of the bad debts are reimbursed in cash. And the remaining portion of the bad debt management server to manage the bad debts to be reimbursed through public service; At least one creditor terminal for registering bond information in the bad debt management server so that a portion of the bond can be repaid in cash according to the arbitration of the bad debt management server; Register the debt information in the bad debt management server to request arbitration with the debtor, and to repay part of the debt in cash according to the arbitration of the bad debt management server, and the rest of the debt to be paid by public service. At least one debtor terminal; And a public service operation server for providing public service information to the debtor in response to a request of the bad debt management server, and transmitting reimbursement information generated according to the public service to the bad debt management server.

Description

Post-management system and method for network-based bad debt receivables, and recording media recording the program source of the bad debt bonds {THE NETWORK-BASED INSOLVENT OBLIGATION POST-MANAGEMENT SYSTEM AND METHOD, THE MEDIA OF RECORDING PROGRAM SOURCE}

The present invention relates to a network-based bad debt post management system and method, and a recording medium recording the program source thereof.

More specifically, it provides a new and diverse method of repayment to the debtor so that the debtor can be motivated to repay the debt, and a network-based bad debt post management system that allows the debtor to recover some of the debts generated during the debt repayment process. And a recording medium having recorded thereon the program source.

If you look at the process from the generation of bonds to the extinction of conventional bonds, various kinds of bond debt relations occur with household funds or for a livelihood start-up. In other words, they range from credit cards and department store cards used by individuals to general loans, real estate mortgages, and factoring loans.

However, when these various types of bonds are classified, they can be divided into mortgage loans and credit loans. After all, the lender lendered the loan as collateral or credit.

In describing the process of the bond's normal termination, the debtor pays interest at a rate or variable interest rate on a contracted date or quarterly term, and repays the loan on the contract termination date or contract expiration date. Just do it. Or, depending on the type of bond, there is a method of repaying the interest paid on a monthly contract date and a portion of the principal to be partially repaid.

No special follow-up management is necessary from the occurrence of such a bond to its extinction, but if it turns from a normal bond into a bad debt, it must be managed to become a normal bond or intensive follow-up to recover early. do.

In this case, the term of a bad debt generally refers to a bond in which interest payment is not normally made or payment of principal is not made on the date of payment or repayment of the bond. In addition, in the case of ordinary commerce, the accounts receivable did not recover within a certain period of revolving funds, etc., can also be regarded as bad debts.

In the case of the above-mentioned bad debts, follow-up management is performed differently depending on whether the bad debts are collateralized or unsecured.

First, in the case of collateralized bad debts, there are many recoverable parts because the security is somewhat secured compared to unsecured bad debts. In this case, the bond manager will provide the debtor with sufficient time for repayment. Nevertheless, if the repayment is not made, the bond is recovered by cashing through the court by auctioning off the security right or transferring the ownership, depending on the nature of the security right.

In the post-management method of such collateral bonds, if the value of disposing of the collateral held by the debtor exceeds or equals the amount of credit, the creditor will be reimbursed in full, but if the value of disposing of the collateralized property is less than the amount of the collateral, Since only a portion of the bonds have been repaid, the remaining bad debts become unsecured and are subsequently managed as unsecured.

At this time, management is started by a general unsecured bond management method, but since the debtor's assets are disposed of after the debtor's assets are left unsecured than the unsecured bond from the beginning, the recovery becomes more difficult. From this point on, it is managed like the bonds that were unsecured from the beginning.

In the case of financial institutions, for example, the process leading to the disappearance of general unsecured bad debts, financial institutions manage the bonds in the form of guidance or low intensity for short-term delinquents.

However, the shorter the period set by financial institutions, the greater the intensity of bond management, and the longer the period of delinquency, the more difficult it is to recover. As a result, credit losses are accumulated from the time when the collection is recognized as opaque according to the financial institution's judgment or a certain policy decision.

In order to increase the convenience and recovery rate in such bond management, creditors, lawyers, lawyers, etc., which are not creditor institutions, increase the recovery rate to the maximum. Although the collection, reminding, and aging management is carried out after this, the amortization of accounting is not reflected in the size of bad debts, but the amount of bad debts that have been written up continues to increase.

From the point of view of the debtor, even if the debtor continues to repay the debt after it becomes a bad debt, even if the debtor continues to repay the debt, he will be burdened with excessive overdue interest at a high delinquency rate, and this burden exceeds a certain amount each month the debtor is willing to pay. If you do, the debtor loses the meaning of repayment and eventually becomes a long-term delinquent.

The creditor goes through the process of encouraging the debt in a way that cancels a part of the debtor, and in the process of canceling some of the interest or special matters to the debtor, such as when the debtor dies and the immediate family takes over the debt. When it occurs, the principal part has been urged to reimburse by paying a certain amount of money.

Therefore, the creditors had to give up some of the bonds in the case of bad debts, and even if the part of the abandonment gave up all the interests that occurred, it was sometimes difficult to repay the debts.

In the end, the creditors went to the process of selling unsecured bad debts at a low price, and in 1997, in the form of domestic banks, they remained at 7% to 12.8% of the principal.

In this general process of bond management, it is not possible to have a method of extinction of bonds other than the normal extinction of bonds in all processes, and the debtor can only increase the debt due to the delinquency rate without repaying his principal. This increase in debt has resulted in a lack of willingness to repay debts, leading to social crimes.

On the other hand, foreign countries provide a method of delegating and dealing with private organizations by placing a greater emphasis on "reconstruction" compared to Korea, which has a heavy emphasis on "clearing." In the US, the Consumer Credit Counseling Service (CCCS) is using a method to prevent consumer bankruptcy in advance by providing a debt management service to consumers before financially struggling consumers go bankrupt.

The credit counseling agency operates privately and voluntarily, and if the bankruptcy applicant has regular income, the court will direct and implement a debt restructuring plan that will pay off the debt for three to five years. Otherwise, the assets will be disposed of and distributed according to the liquidation procedure. .

The credit counseling agency develops a Debt Management Plan for individual debts after being provided with comprehensive information on the financial situation of those in need.

In this process, a debt restructuring, such as partial reduction of principal, reduction or exemption of interest, and postponement of repayment of delinquent expenses, is made, and a plan that can be paid back within five years is prepared, and false information or two consecutive months are not provided during such period. If it does not, or borrows money from another place without consultation, the debt management plan is terminated.

Japan, like the United States, assists with total counseling and reimbursement for the bankruptcy's rehabilitation and relief.

However, most of these systems bring relative deprivation to those who normally use or use financial institutions.

In addition, complaints of normal financial users are due to partial reduction of debt, reduction or exemption of interest, delinquent expenses, and postponement of the repayment deadline only because they are unable to pay the debt or are unable to pay in full. There was a concern that this could lead to a rise in delinquency rate and a change in the floating rate of normal finance.

Also, the moral hazard of the debtors (moral hazard) may be provided if the debtors are randomly exempted from the debt, freezes the debt, reduces or exempts interest, and extends the repayment deadline simply because they cannot repay the debt for a certain period of time. There was a possibility to generate.

The present invention has been made to solve the above problems, and an object of the present invention is to provide a debtor with a new method of repayment so that the debtor may have a willingness to repay the debt, while at the same time, a part of the debt generated in the process of repaying the debt to the society. The present invention provides a system and method for managing a network-based bad debt post-employment that can be reduced, and a recording medium recording the program source.

Another object of the present invention is to repay a debtor's debt, at least one of the lowest level of repayment required by the creditor, in a lump sum or in installments, and the rest of the debt to form a debt obligation contract under a new money loan agreement, the bond formed It provides a network-based bad debt post-management system and method and a recording medium that records the source of the program, which enables the debtor to repay the debt amount by converting his / her effort or service time into money for the fixed amount of the debt contract. .

Another object of the present invention is to record and record a network-based bad debt after-sale management system and method, and a program source thereof, which can efficiently use and manage the time spent by the debtor in accordance with the loan agreement. In providing.

It is still another object of the present invention to provide a network-based bad debt post-management system and method, and a recording medium recording the program source thereof, which enables financial institutions to socially recover a portion of bad debts that are difficult to recover.

It is still another object of the present invention to record a network-based bad debt post-management system and method, and a program source thereof, for reducing social costs that are lost due to debt reduction, interest reduction, etc. in managing bad debts. In providing a recording medium.

It is another object of the present invention to record a network-based bad debt post-management system and method, and a program source thereof, which enable the debtor to repurchase his or her time in a money-consumption agreement with which he or she will be reimbursed for effort or service time. In providing a recording medium.

Another object of the present invention is a network-based bad debt after-sale management system and method, which allows the debtor to repay his debts by using his spare time while working for his livelihood, and a recording medium recording the source of the program. In providing.

In order to achieve the above object, an embodiment of the present invention, a data communication network; After the unspecified number of creditors or debtors make an online connection through the data communication network, a database is constructed from the credit information or debt information inputted from the creditor or the debtor, and the arbitration contract is made between the creditor and the debtor to arbitrate each other. A bad debt management server that manages bad debts by allowing some to be repaid in cash and the remaining parts being repaid through public service; A creditor terminal that registers bond information with the bad debt management server so that a portion of the bond can be repaid in cash according to the arbitration of the bad debt management server; Register the debt information with the bad debt management server to request arbitration with the debtor, and to reimburse some of the bonds in cash according to the arbitration of the bad debt management server, and the rest can be repaid by public service. Debtor terminal; And a public service operation server providing public service information to the debtor in response to a request of the bad debt management server, and transmitting reimbursement information generated according to the public service to the bad debt management server. As a network-based bad debt post management system, the above-mentioned problem is solved.

And, the bad debt management server, the bond information DB for storing a plurality of creditor information; A debt information DB for storing a plurality of debtor information; A bad credit information DB for storing bad debt information input by the creditor or the debtor; A reimbursement information DB for storing reimbursement information generated when the debtor reimburses the bad debt; Public service information DB that stores public service information provided by the public service management server; A bad credit management module that provides a service page for inputting corresponding bad debt information when a predetermined creditor or a debtor registers as a member, and registers bad debt information input through the service page in the bad debt information DB; When the bad debt information is input by the bad debt management module, it is determined whether the bad debt information is input by the debtor or the creditor, and when it is input by the creditor, it receives the repayment condition from the creditor and provides the debtor with the transaction. A bad debt arbitration module that allows the creditor to approve the request for reimbursement input by the debtor to receive a repayment request condition from the debtor when the creditor is input by the debtor so that the transaction can be made; And converting the remaining amount of the repayment in cash into cash for public service time to generate additional reimbursement request information, and storing the generated additional reimbursement request information in the reimbursement information DB. If the additional payment information is generated by performing the public service during the debt payment management module for updating the payment request information by registering the additional payment information in the payment information DB while excluding the additional payment information from the payment request information. A network-based bad debt post management system, which is configured to include the above-mentioned problem.

In addition, the service page provided by the bad debt management module, the debtor's name, resident registration number, the date of the debt, the debt principal, interest (delinquent fee), fees, expenses, lump sum payments, during the public service period The network-based bad debt post management system, which has a blank space for recording information on the amount that can be repaid on a fixed period basis, solves the above problems.

In addition, the service page provided by the bad debt management module, the creditor's resident registration number, name, reference date, principal, interest (delinquent fee), fees, fees, minimum amount to be repaid, interest reduction and interest reduction amount, A network-based bad debt post-management system characterized by having a blank space for recording information on whether a partial payment is allowed and the period of the partial payment, which solves the above-mentioned problems.

Here, the additional reimbursement request information is a network-based bad debt post management system, characterized in that the information including information about the arbitration target, debt history, debtor situation, solves the above-mentioned problems.

And, the bad debt arbitration module, if the repayment request conditions entered by the debtor does not meet the repayment conditions of the creditor, characterized in that the information on the amount and conditions presented by the debtor, along with a notice message to the creditor terminal, characterized in that The network-based bad debt post management system solves the above problems.

In addition, the bad debt arbitration module, if the repayment conditions entered by the creditor does not meet the repayment requirements of the debtor, the amount, conditions, creditors' rejection message, and the amount and conditions required by the creditor A post-management system for a network-based bad debt receivable, characterized by transmitting information on the debtor terminal, to solve the above problems.

The bad debt arbitration module provides information on the amount and condition to be reimbursed among the bad debts at the time of the contract and when the debtor has made a debt repayment transaction between the creditor and the debtor. The network-based bad debt post management system, characterized in that it is transmitted to the creditor terminal and the debtor terminal, to solve the above problems.

In addition, the debt repayment management module compares and judges public service information transmitted from the public service operation server and public service information set by the debtor, and calculates public service time that has not been performed by the debtor when the public service is not normally performed. And calculating the unpaid public service time in cash, and transmitting a guide message to the debtor terminal so that the debtor pays the calculated cash. The above problem is solved.

In the present invention, if the debtor receives the guidance message including the information on the amount to be reimbursed in cash pays the amount within a predetermined period, and transmits the payment information to the bad debt management server, the debt repayment management module, If the stored reimbursement information of the reimbursement information DB is updated using the payment information, and the amount of payment is not paid within a preset period, the debt repayment management module transmits a notice message about the breach of the contractor to the creditor terminal. On the other hand, as a network-based bad debt post-management system, characterized in that the debtor listed as a bad financial trader, the above-mentioned problem is solved.

In addition, as another embodiment of the present invention for achieving the above object, the present invention, (a) after the bad debt management server builds a database using the credit information input from the creditor, the creditor is a bad debt A first arbitration process for allowing a part of the bond to be repaid in cash according to the arbitration of the management server; (b) establish a database using debt information input from the debtor, and in response to the debtor's request for arbitration, the creditor may repay a portion of the bond in cash, and the rest may be reimbursed by public service; 2 arbitration process; (c) The bad debt management server establishes a database with credit information or debt information input from the creditor or the debtor after an unspecified number of creditors or debtors are connected online through a data communication network, and a repayment contract between the creditor and the debtor is established. A reimbursement contract process that manages bad debts by arranging for such payments so that some of the bad debts are reimbursed in cash and others are repaid through public service; (d) The bad debt management server provides public service information provided from the public service operation server to the debtor in response to the debtor's request, and receives reimbursement information generated by the debtor performing public service from the public service operation server and the debtor. As a post-management method of the network-based bad debts, the above-mentioned problem is solved, further comprising a debt repayment process for reducing the repayment portion converted from bad debts to public service.

And, the repayment contract process, if a predetermined creditor or a debtor to register as a member provides a service page to enter the relevant bad debt information, and the bad debt information entered through the service page to the bad debt information DB Bad debt management process to register; When the bad debt information is input by the bad debt management process, it is determined whether the bad debt information is input by the debtor or the creditor, and when it is input by the creditor, it receives the repayment condition from the creditor and provides the debtor with the transaction. A bad debt arbitration process that allows the creditor to approve the terms of the reimbursement request entered by the debtor so that a transaction can be made by receiving the reimbursement request condition from the debtor when the debtor is input by the debtor; And converting the remaining amount of the repayment in cash into cash for public service time to generate additional reimbursement request information, and storing the generated additional reimbursement request information in the reimbursement information DB. If additional payment information is generated by performing public service, the debt payment management process of updating the payment request information by registering the additional payment information in the payment information DB and excluding the additional payment information from the payment request information is further performed. As a post management method of a network-based bad debt, characterized in that it comprises, the above-mentioned problem is solved.

In addition, the service page provided in the repayment contract process, the debtor's name, resident registration number, date of debt, debt principal, interest (delinquent fee), fees, expenses, lump sum payments, schedule during public service period A post-management method of a network-based bad debt receivable, characterized in that it has a blank space for recording information on the amount of repayment on a period-by-period basis.

In addition, the service page provided in the repayment contract process, the creditor's resident registration number, name, reference date, principal, interest (due fees), fees, fees, minimum amount to be repaid, interest reduction and interest reduction amount, split A network based post-management method for managing bad debts, which has a space for recording information on whether to allow repayment and the period of partial repayment.

Here, the additional reimbursement request information is a network-based bad debt post management method, characterized in that the information including information about the arbitration target, debt history, debtor situation, solves the above-mentioned problems.

And, the bad debt arbitration process, if the repayment request conditions entered by the debtor does not meet the repayment conditions of the creditor, characterized in that the information on the amount and conditions presented by the debtor along with a notice message to the creditor terminal, characterized in that The above problem is solved as a network-based bad debt post management method.

In addition, the bad debt arbitration process includes the fact that if the repayment terms entered by the creditor do not meet the repayment requirements of the debtor, the creditors do not meet the amounts presented by the creditor, the conditions of the creditor, the rejection message of the creditor, And a post-management method of the network-based bad debts, characterized in that for transmitting information on the amount and conditions of the creditors newly requested to the debtor terminal, the above-mentioned problem is solved.

In addition, the repayment contract process includes information on the amount and condition to be reimbursed among bad debts at the time of the contract and the loan agreement specifying the terms and conditions of the contract when the debtor and the debtor have made a debt repayment transaction. As a post management method for a network-based bad loan, characterized in that it is transmitted to a creditor and a debtor terminal, the above-mentioned problem is solved.

In the debt repayment process, the public service information transmitted from the public service operation server is compared with the public service information set by the debtor, and the public service time calculated by the debtor when the public service is not normally performed is calculated. And a network-based bad debt post-management method for calculating the unpaid public service time in cash and transmitting a guide message to the debtor terminal so that the debtor pays the calculated cash. The above problem is solved.

In addition, the debt repayment process, if the debtor receives a guide message including information on the amount to be reimbursed in cash pay the amount within a predetermined period, and the payment information is sent to the bad debt management server Updating stored payment information of a DB using the payment information; And transmitting a notice message about the breach of the contractor's contract to the creditor terminal when the amount is not paid within a preset period, and registering the debtor as a financial insolvent trader. As a post-management method of bad loans based on the above-mentioned problems, the above-mentioned problems are solved.

In addition, as another embodiment of the present invention for achieving the above object, the present invention, (A) after the bad debt management server builds a database using the credit information input from the creditor, the creditor is a bad debt A first arbitration routine process for allowing a part of the bond to be repaid in cash according to the arbitration of the management server; (B) Establish a database using debt information input from the debtor and, in response to the debtor's request for arbitration, allow the creditor to reimburse a portion of the bond in cash, and the rest to be reimbursed by public service. 2 interventional routine processes; (C) The bad debt management server establishes a database with credit information or debt information input from the creditor or the debtor after an unspecified number of creditors or debtors are connected online through a data communication network, and a repayment contract between the creditor and the debtor is established. A reimbursement contract process that manages bad debts by arranging such payments so that some of the bad debts are reimbursed in cash and others are repaid through public service; (D) The bad debt management server provides public service information provided from the public service operation server to the debtor in response to the debtor's request, and receives reimbursement information generated by the debtor performing public service from the public service operation server and the debtor. A recording medium recording a network-based bad debt post management program source, characterized in that it further comprises a debt repayment process for reducing the reimbursement portion converted from bad debts to public service.

And, the repayment contract process, if a predetermined creditor or a debtor to join the member provides a service page to enter the relevant bad debt information, and the bad debt information input through the service page to the bad debt information DB Registered bad debt management process; When the bad debt information is input by the bad debt management process, it is determined whether the bad debt information is input by the debtor or the creditor, and when it is input by the creditor, it receives a repayment condition from the creditor and provides the debtor with the transaction. A bad debt arbitration process that permits the creditor to accept the terms of the reimbursement request entered by the debtor so that the transaction can be made by receiving the reimbursement request condition from the debtor when the debtor is input by the debtor; And converting the remaining amount of the repayment in cash into cash for public service time to generate additional reimbursement request information, and storing the generated additional reimbursement request information in the reimbursement information DB. If additional payment information is generated by performing public service, the debt payment management process of updating the payment request information by registering the additional payment information in the payment information DB and excluding the additional payment information from the payment request information is further performed. The above-mentioned problem is solved by a recording medium recording a source of a network-based bad debt after-management program, characterized in that it is made.

In addition, the service page provided by the repayment contract process, the debtor's name, resident registration number, the date of the debt, the debt principal, interest (delinquent fee), fees, expenses, lump sum payments, schedule during public service period The above-described problem is solved by a recording medium recording a network-based bad debt post management program source, which has a blank space for recording information on the amount of repayment on a period basis.

In addition, the service page provided by the repayment contract process, the creditor's resident registration number, name, reference date, principal, interest (due fees), fees, fees, minimum amount to be repaid, interest and exemption amount and interest reduction amount, split The above-mentioned problem is solved by a recording medium recording a network-based bad debt post management program source, which has a space for recording information on whether to allow repayment and a period of partial repayment.

Here, the additional reimbursement request information is a recording medium recording a network-based bad debt after-management program source, characterized in that the information including information on the subject of arbitration, debt history, debtor situation, solve the above-mentioned problem do.

And, the bad debt arbitration process, if the repayment request conditions entered by the debtor does not meet the repayment conditions of the creditor, characterized in that the information on the amount and conditions presented by the debtor along with a message sent to the creditor terminal, characterized in that The above-mentioned problem is solved by a recording medium recording a network-based bad debt post management program source.

And, the bad debt arbitration process, if the repayment terms entered by the creditor does not meet the conditions of the debtor's request for reimbursement, the creditor's terms, the creditor's rejection message, And a recording medium recording a network-based bad debt post management program source, which transmits information on the amount and condition of the creditor to the debtor terminal.

In addition, the bad debt arbitration process provides information on the amount and condition to be reimbursed among the bad debts at the time of the contract and the amount and condition to be reimbursed in the contract when the debtor and the debtor have made a debt repayment transaction. The above-mentioned problem is solved by a recording medium recording a network-based bad debt post management program source, which is transmitted to the creditor and the debtor terminal.

In addition, the debt repayment process compares and judges public service information transmitted from the public service operation server and public service information set by the debtor, and calculates a public service time that has not been performed by the debtor when the public service is not normally performed. And calculating the unpaid public service time in cash, and transmitting a guide message to the debtor terminal so that the debtor pays the calculated cash to the debtor terminal. As the recorded recording medium, the above-mentioned problem is solved.

In addition, the debt repayment process, if the debtor receiving the guide message including information on the amount to be reimbursed in cash pays the amount within a predetermined period, and transmits the payment information to the bad debt management server reimbursement information Updating stored reimbursement information of a DB using the payment information; And a process of transmitting a notice message about the breach of the contractor's contract to the creditor terminal when the amount is not paid within a preset period, and registering the debtor as a financial insolvent trader. The above-mentioned problem is solved as a recording medium recording the source of the bad debt after-care program.

Another embodiment of the present invention for achieving the above object, the information of the creditor and the debtor, information for repayment of the debt, information on the obligation of repayment of the debtor, delinquency rate calculation rule information, loss of time information, joint guarantee information, Providing the debtor and the creditor with a form that has at least one of credit information and agreement jurisdiction information, and generates a money-consumption loan agreement using the above information to convert the debt amount into public service hours. The above-mentioned problem is solved by a recording medium recording a source of a form program for post management of bad debts.

These objects, features and advantages of the present invention will be more readily understood by reference to the accompanying drawings and the following detailed description.

1 is a view for explaining the configuration of the network-based bad debt post management system according to the present invention, Figure 2 is a view for explaining the configuration of the bad debt management server applied to FIG.

As shown in FIG. 1, a database of debt information or debt information input from the creditor or the debtor after an unspecified number of creditors or debtors are connected online through the data communication network 100 and the data communication network 100. And the arbitration so that the creditor and the debtor mutually made a repayment contract so that some of the bad debts are reimbursed in cash, and the remaining parts are reimbursed through public service to manage bad debts. And, the creditor terminal 300 to register the bond information in the bad debt management server 200 so that a portion of the bond can be repaid in cash according to the arbitration of the bad debt management server 200, and the bad debt management Register the debt information in the server 200 and request arbitration with the debtor, the bond according to the arbitration of the bad debt management server 200 In response to the request of the debtor terminal 400 and the bad debt management server 200, which enables to repay a portion of cash and the remaining portion to be paid by public service, the public debt information is provided to the debtor. The public service operation server 500 transmits the reimbursement information generated by performing the public service to the bad debt management server 200.

And, as shown in the accompanying drawings, the bad debt management server 200, the debt information DB 210 that stores a plurality of creditor information, and the debt information DB 220 that stores a plurality of debtor information ), The bad debt information DB 230 that stores the bad debt information input by the creditor or the debtor, and the reimbursement information DB storing the reimbursement information generated when the debtor is reimbursed for bad debts 240, the public service information DB 250, which stores public service information provided by the public service operation server 500, and a creditor or debtor who has made online access through the data communication network 100 as a member. Induced to join, and when registering as a member, creditor information or debtor information input from the creditor or the debtor registered in the creditor information DB 210 or the debtor information DB 220, respectively. Turn on the member information management module 260 and a predetermined creditor or a debtor to provide a service page so that the corresponding bad debt information can be entered when the member joins, and the bad debt information input through the service page to the bad When the bad debt information is input by the bad debt management module 270 to register in the bond information DB, and the bad debt information management module 270 determines whether the bad debt information is input by the debtor or the creditor, In case of input by the creditor, the payment terms are input from the creditor to the debtor so that the transaction can be made.In case of input by the debtor, the request for payment is input to the creditor and the creditor is provided to the creditor. Negative bonds approved by the creditor for transactions to take place Re-module 280, and the debtor to pay the cash and the remaining amount of reimbursement in public service time to generate additional payment request information, and the generated additional payment request information stored in the reimbursement information DB (240) After that, when the debtor performs public service during the public service time and additional payment information is generated, the debtor registers the additional payment information in the payment information DB 240 and excludes the additional payment information from the payment request information. And a debt repayment management module 290 for updating the reimbursement request information.

In addition, the service page provided by the bad debt management module 270, the debtor's name, resident registration number, the reference date, debt principal, interest (due fees), fees, expenses, lump sum payments, public money, public During the service period, there is a blank space where you can record information about the amount that can be repaid on a fixed basis.

In addition, the service page provided by the bad debt management module 270, the creditor's resident registration number, name, reference date, principal, interest (delinquent fee), fees, expenses, minimum amount to be repaid, interest reduction or not and interest There may also be blanks for information on the amount of reduction, whether partial payments are allowed and the period of partial payments.

Here, the additional reimbursement request information refers to information including information on the subject of arbitration, debt history, and debtor situation.

And, the bad debt arbitration module 280, if the repayment request conditions entered by the debtor does not meet the repayment conditions of the creditor, the creditor terminal 300 with information about the amount, the conditions presented by the debtor. To send.

In addition, the bad debt arbitration module 280, if the repayment terms entered by the creditor does not meet the repayment requirements of the debtor, the creditor does not meet the amount presented, the conditions of the creditor, rejection of the creditor A message and information on the amount and condition of the creditor's new request are transmitted to the debtor terminal 400.

In addition, the bad debt arbitration module 280 is provided with a loan agreement that specifies the terms and conditions of the contract when a debt repayment transaction is made between the creditor and the debtor. The information is transmitted to the creditor and the debtor terminal 400.

In addition, the debt repayment management module 290 compares and judges public service information transmitted from the public service operation server 500 and public service information set by the debtor, and is not performed by the debtor when the public service is not normally performed. The public service time is calculated, the unpaid public service time is calculated in cash, and the guide message is transmitted to the debtor terminal 400 so that the debtor can be repaid by paying the calculated cash.

Debt repayment management module 290, the debtor receiving the guide message including information on the amount to be repaid in cash pays the amount within a predetermined period, and transmits the payment information to the bad debt management server 200 If the information on the breach of the contract is breached to the creditor terminal 300 when the amount of payment is not paid within a predetermined period while updating the stored reimbursement information of the reimbursement information DB 240 using the payment information. And the debtor is listed as a bad financial trader.

The operation of the network-based bad debt management system configured as described above is as follows.

3 is an operation flowchart for explaining a network-based bad debt post management method according to the present invention, FIG. 4 is an operation flowchart for explaining a first arbitration routine applied to FIG. 3, and FIGS. 5A and 5B are FIG. 3. FIG. 6 is a flowchart illustrating a second arbitration routine applied to FIG. 3, and FIG. 6 is a flowchart illustrating the repayment contract routine applied to FIG. 3, and FIG. 7 is a flowchart illustrating the debt financing routine applied to FIG. 3.

First, as shown in FIG. 3, after the bad debt management server 200 builds a database using the debt information input from the creditor, the creditor is part of the bond according to the arbitration of the bad debt management server 200. In the first arbitration routine process (S100), which allows users to receive cash payments in cash, and using a debt information input from the debtor to build a database, in response to the debtor's request for arbitration, the creditor can repay some of the bonds in cash. And, the remaining part of the second arbitration routine process (S200) to be reimbursed by public service, and the bad debt management server 200 through the data communication network 100, the unspecified multiple creditors or debtors made an online connection After that, a database is established from the creditor information or debt information inputted from the creditor or the debtor, and reimbursed between the creditor and the debtor. The arbitration is made so that the portion of the bad debts is reimbursed in cash, and the rest of the bad debts are reimbursed through public service so that the repayment contract process (S300) and the bad debt management server 200 manage the bad debts. The public service information provided from the service operation server is provided to the debtor in response to the request of the debtor, and the debtor receives the reimbursement information generated by performing the public service from the public service operation server 500 and the debtor from public debt to public service. It consists of a debt repayment process (S400) to reduce the portion of the reimbursement converted.

Referring first to the first arbitration process (S100) with reference to the accompanying drawings, Figure 4, the bad debt management server 200 determines whether the user (including both the creditor and the debtor) has made an online connection request for membership (S101) . As a result of determination, when requesting membership, the bad debt management server 200 determines whether the user is a creditor (S103).

As a result of the determination, in the case of the creditor, the bad debt management module and the arbitration module 270 and 280 of the bad debt management server 200 are the debtor's name, resident registration number, bond reference date, bond principal, interest (delinquent fee), fee, and expenses. And a service page for inputting the minimum amount and partial repayment to be reimbursed, the period of dividing when permitting partial repayment, whether or not interest is exempted, and the amount of reduction, is provided to the creditor terminal 300 to the creditor terminal ( After S105), the information input through the service page is registered in the creditor information DB 210 and the bad debt information DB 230 in correspondence with creditor identification information (S107).

At this time, the minimum amount to be reimbursed by the creditor is not disclosed to the debtor, and the bad debt management module and the arbitration module 270 and 280 are the amount that the creditor can receive as the amount less the interest reduction and deduction from the total debt. Do not count. In other words, the total amount of bonds is calculated by adding interest reduction and exemption to the minimum amount that the creditor is willing to receive, adding the amount that the debtor replaces with social service, and the total amount of debt is based on the debtor. Alternatively, the amount to be repaid is added to the amount to be repaid by other means, and the amount to be replaced by the debtor for social service.

The creditor who registered his bad debts in the DB through the S107 process makes an arbitration request to the bad debt management server 200. Then, the bad debt management server 200 causes the bad debt management module and the arbitration module 270 and 280 to make a repayment contract with the debtor.

On the other hand, as a result of the determination in step S103, if the debtor bad debt management module and arbitration module 270, 280 provides the resident registration number input window to the debtor terminal 400 (S109). When the debtor inputs his resident registration number in the resident registration number input window, the bad debt management module and the arbitration module 270 and 280 search for the bad debt information DB 230 using the entered resident registration number and the debt history of the debtor. Inquire (S111).

And the bad debt management module and arbitration module 270, 280 determines whether the debtor's debt history exists (S113). If there is an internal debt amount, a repayment service page having information about a repayment method provided and generated by the creditor is provided to the debtor terminal 400 (S114). On the other hand, when the debt history does not exist as a result of the determination in S113, the bad debt management module and arbitration module 270, 280 transmits a guide message indicating that there is no debt history that the arbitration request is entered to the debtor terminal 400.

Meanwhile, the bad debt management module and the arbitration module 270 and 280 determine whether an acceptance signal is received from the debtor terminal 400 for the repayment service page provided through the process S114 (S115). As a result of the determination, if the acceptance signal is received, the information input through the repayment service page is registered in the reimbursement information DB 240 in correspondence with the debtor's social security number (S117).

That is, through the above process, the debtor inputs the amount to be reimbursed at the time of the contract as a lump sum or installment of the conventional debt in making a new loan, and the remaining balance which is an important part of the contract as a new loan. It is important to note that the contract, the method of repaying the loan is different from the conventional method, and decide whether to agree to the contents of the contract.

In addition, the repayment service page includes a money consumption loan agreement, the money loan agreement is generated according to the bad debt information and repayment terms entered by the creditor, and through a separate window on the repayment service page Provided to the debtor and as follows:

Money Consumption Loan Agreement

Money Consumption Loan Agreement

With ________ as "A", ________ as "E", and ______ as "Bottle", each party will enter into a money balance agreement as follows:

Article 1 [Indication of Conventional Bonds] (Standard Date: 200 Years)

Bond Won Gold Chaewon fees Other costs Total bond

Article 2 [Purpose] "A" shall lend "B" to the following conditions and amounts for the conventional debt repayment, and "B" borrows it.

Total Bond Amount Lump sum payment Repayment balance (borrowings) Conversion ratio        1 hour / 20,000 won Conversion time                   time

Article 3 [Repayment] "B" may repay the borrower under Article 2 to "A" in the following manner.

        1. "E" shall convert its debt amount at the rate of 20,000 won per hour and repay using the corresponding conversion time.

        2. "E" shall be reimbursed more than four hours each week by replacing mandatory social services with his free time.

3. In case of unavoidable reason that the social service activity of the state cannot be repaid for more than 4 hours, it shall be converted at the rate of 20,000 won per hour for the time of non-repayment and is not a public holiday next week of the week. On the first day , the amount shall be reimbursed to A.

        4. In case of '3' above, "E" shall be reimbursed through social service activities for at least 4 hours per month.

        5. "E" may repurchase its remaining conversion time in money on the 25th of the following quarter, at the end of each quarter or at the end of each year, in which case "A" shall be deducted at a rate of 20,000 won per hour of the total time. We do with key.

        6. In the case of social service, "A" shall carry out the service at the institution designated by "A". If there is no institution designated by "A", "A" shall notify "A" the institution to which Vol. After obtaining the designated approval of "A", they should perform volunteer work.

        7. "B" may reimburse the debt by allowing a third party to participate in social service activities on behalf of the third party, in which case the third party is an immediate person who is registered with a resident who is 20 to 60 years of age. Limited to family.

Article 4 [Interest] Interest on this matter shall be absent if "B" complies with the provisions of Article 3. However, if "B" does not comply with the provisions of Article 3 more than twice a year or not more than five times at least once a year, the remaining remaining time shall be 1 Convert the amount at the rate of 20,000 won per hour and multiply the delinquency rate to pay the interest.

Article 5 [Lost Loss of Due Date] In the following cases, "B" shall, of course, lose the profit of the deadline and immediately pay the principal.

       1. If "a" fails to comply with the provisions of Article 3 more than twice a year,

       2. Where "B" does not comply with the provisions of Article 3 more than five times, one or more times a year,

Article 6 [Joint Warranty] "Bottle" is a joint guarantor of "B" and provides joint guarantee of any debts to "B" of "B" arising under this Agreement.

Article 7 [Credit Information] The Credit Information shall be agreed upon as the following key.

       1. Upon the conclusion of this Agreement, financial bad transaction information registered due to conventional bonds shall be terminated within two weeks of the date of the establishment of this Agreement.

       2. If "B" fails to carry out this contract in good faith after the establishment of this Agreement, and the reason for the loss of time limit under Article 5 occurs, it shall be deemed to have concluded this Agreement for the purpose of revocation of the conventional bad financial information. "Financial insolvency trader".

Article 8 [Agreement to Jurisdiction] With respect to litigation and other applications arising under this Agreement, the jurisdiction of jurisdiction of A or the court designated by A shall be the jurisdiction of "Illness" agrees with each other.

Article 9 [Attachments] "A" and "Bottle" shall be accompanied by three seal certificates issued directly by themselves in order to prove that they have contracted arbitrarily in this contract.

Article 10 [Extra Matters] "A", "", and "Bottle" shall mutually comply with the provisions of this Agreement, and when there is any provision which is not provided in this Agreement or objection to each provision of this Agreement. When a problem arises, it is solved by mutual cooperation.

Since the contract was signed as above, three copies of this book should be prepared, and one copy of each of the two documents must be signed and signed.

200 Year Month Day

Creditor (A) Address:

Name of corporation:

Name: (People)

Debtor Address:

Name: (People)

Solidarity guarantor (illness) address:

Name: (People)

I have observed that the above agreement has been legally completed.

Observer Address:

Legal corporation name:

Representative lawyers:

Visiting Lawyers:

When the creditor, the debtor and the observer seal the money consumer loan agreement as in the above embodiment, it becomes effective as a contract, and the debtor can freely perform economic activities away from the bad credit of the financial sector.

Next, referring to the second arbitration process (S200) with reference to the accompanying drawings, Figures 5a and 5b, the bad debt management module and arbitration module 270, 280, if the debtor enters the bad debt information after membership registration, The bad debt information is registered and stored in the bad debt information DB 230 (S201).

In addition, the bad debt management module and arbitration module 270, 280 determines whether the amount repayable from the debtor and the amount that can be converted into public service hours are input (S203). As a result of the determination, it is determined whether an arbitration request is input from the debtor (S205).

As a result of the determination, when a request for arbitration is input from the debtor, the bad debt management module and the arbitration module 270 and 280 convert the repayable amount and the amount to be converted into public service time into the debtor identification information (resident registration number) in the reimbursement information DB 240. Correspond and save.

On the other hand, as a result of the determination in step S203 or S205, if the amount to be reimbursed and the amount to be converted into public time is not input, or if the arbitration request is not input, it is determined whether the cancel button is clicked by the debtor (S219) ( S221), if the cancel button is clicked, return to the main service page, otherwise maintains the standby state.

After registering the information input by the debtor in the reimbursement information DB 240 as described above, the bad debt management module and arbitration module 270, 280 determines whether the creditor is a member (S209). As a result of the determination, when the creditor has registered as a member, the creditor's resident registration number entered by the creditor is searched from the bad debt information DB 230, and the debtor's arbitration request is transmitted to the creditor terminal 300 to notify the creditor (S211).

The bad debt management module and the arbitration module 270 and 280 determine whether debtor identification information is input from the creditor terminal 300 (S213). As a result of the determination, when the debtor identification information is input, the bad debt management module and the arbitration module 270 and 280 display the service page having the situation of the debtor registered in the reimbursement information DB 240 and the amount repayable. In addition, the service page provided to the creditor further includes the amount that the debtor wants to be exempted from the service page, and the creditor rewrites the amount through the service loan agreement through the service page. You can create a new money consumption agreement by checking the and entering a new amount to be repaid.

On the other hand, if the identification information of the debtor is not input as a result of the determination in step S213, it is determined whether the cancel button is clicked (S223).

Then, it is determined whether the approval signal is input from the creditor terminal 300 (S217). When the approval signal is input, the main unit returns to the main to perform a repayment contract process (S300). If the approval signal is not input, the debtor terminal 400 is input. A notice message is sent by the creditor indicating that the terms of repayment were not accepted.

Next, the repayment contract process (S300) will be described with reference to the accompanying drawings of FIG. 6, and the debt repayment management module 290 determines whether the debtor has presented more than the amount of money provided by the creditor (S301). As a result of the determination, when the debtor presents more than the amount suggested by the creditor, the debt repayment management module 290 determines whether the creditor has accepted the conditions and amount presented by the debtor (S303). As a result of the determination, if the creditor has accepted, the creditor supports the creditor to notify the debtor by using the network ID (S305). In other words, if a contract is established, the debt repayment management module 290 meets the relevant conditions and the important contents of the contract specifying the terms and conditions of the contract, the amount and condition to be repaid among the conventional bonds at the time of the contract, the contract date, and the location of the contract. (E.g., credit information company, law firm or creditor company) is notified by creditor and debtor ID.

Then, the information related to the public service determined by the creditor and the debtor is transmitted to the corresponding public information operation server (500). On the other hand, if the debtor presents the creditor's request or the debtor's request for the repayment condition less than the amount suggested by the creditor as a result of the step S301, S303, a notification message to the debtor terminal 400 is transmitted and provided ( S311) to notify the debtor.

And the debt repayment management module 290 provides a service window to allow the creditor to enter the conversion time, the debtor provides a service window to confirm the conversion time input by the creditor (S309), the main Returning to the debt repayment process (S400).

Lastly, the debt repayment process (S00) will be described with reference to the accompanying drawings of FIG. 7, and the debt repayment management module 290 transmits information related to public service services desired by the creditor or the debtor to the public service operation server 500 ( After S401), it is determined whether an approval signal is input from the corresponding public service operation server 500 (S403).

Thereafter, the debt repayment management module 290 determines whether public service information of the debtor is input from the debtor terminal 400 (S405). If public service information is input from the debtor terminal 400 as a result of determination, the debt repayment management module 290 compares the input public service information and public service information set in advance through the loan agreement (S407).

As a result of the comparison, it is determined whether the input public service information exceeds the set public service information (S409). If the determination result is exceeded, the debt information is subtracted based on the input of the public service information, and then the reimbursement information DB 240 is updated (S411).

On the other hand, if the determination result of the process S409 is not exceeded based on the corresponding public service information entered (S413) to update the reimbursement information (240), the debtor terminal by converting the amount of money for the public service time underpayment to the debtor It is sent to the 400 with a guide message to enable the debtor to pay in cash.

In addition, the debt repayment management module 290 determines whether the cause of loss of time due to the debtor (S415). As a result of the determination, the reason for the loss of the deadline profit is output to the creditor terminal 300 and the debtor terminal 400. It is registered (S417). On the other hand, if the reason for the loss of time limit has not occurred as a result of the determination in step S415, it is determined whether the reimbursement is completed (S419), and when the reimbursement is completed, the reimbursement process is terminated. Repeat it.

Here, public service information is as a public service confirmation and donation receipt provided by the public service operation server 500 as follows.

Public Service Confirmation

1. Public volunteer

           name :

           Social Security Number :

           I D:

2. Public Service

           Name of organization:

           representative :

           Approval number :

3. Public Service Contents

           Business information :

           Date of Business:

           End Date:

         Total usage time:

We confirm that the public service was performed as described above by using the social service time of the public volunteers purchased by the creditor at the actual cost (1 hour / 20,000 won) and delegated to your company.

                              200 Year Month Day

                              Institution name:

                              Representative (Name)

Donation receipt

1. Donation amount

    Friday Expedition (￦)

2. Donors

    Name of corporation:

    representative's name :

3. Purpose of Donation

    Social reduction of labor purchased by donors at actual cost

                           200. . .

4. Donation History

    1) Public volunteer

        name :

        Social Security Number :

        I D:

    2) Donation History

        How to donate: Labor cost purchased at actual cost (1 hour / 20,000 won)

        Confirmation of Actual Expenses: Money Consumption Loan Agreement

               Business information :

               Date of Business:

               End Date:

             Total usage time:

The labor force of the social volunteer in the donation history purchased and donated by the donor at actual cost 200. . From 200. . . We will issue this donation receipt because it was used as above.

                             200 Year Month Day

                             Institution name:

                             Representative (Name)

                         Donation Category: Legal Donation, Designated Donation

Meanwhile, the debt repayment routine S400 described with reference to FIG. 7 will be described in more detail as follows.

First, the public service certificate and donation receipt as described above are created in the public service operation server 500 and transmitted to the bad debt management server 200 so that the bad debt management server 200 can recognize the public service situation of the debtor. On the other hand, it is also provided to the debtor so that the debtor can upload to the bad debt management server 200.

Of course, the above process was described as all online, but if the bad debt management server 200 is required to request arbitration between the creditor and the debtor, if the creditor or the debtor is not registered as a member, fax, mail Send it out in the usual way.

In addition, the bad debt management server 200 prints the money consumption loan agreement to be created between the debtor and the creditor through the printing means to directly fill in the blanks through the debtor or creditor, or keep the bad debt management server (200) ) To be stored as data. In addition, by using the repayment terms agreed between the creditor and the debtor, the bank automatically prints a blank paper money loan agreement and writes it to an institution (e.g., a law firm, a credit information company, or a creditor company) in charge of the contract place. In addition to fax notifications, they can also be sent online.

On the other hand, the bad debt management server 200 is applied to the volunteer work of the following contents required by the volunteer through the homepage, advertising, etc. creditors and debtors to be provided using their terminals (300) (400) To help. At this time, the bad debt management server 200 provides the debtor by dividing the applied volunteer work by region, task. On the other hand, the debtor should apply for approval of the bad debt management server 200 when the public service is to be performed through an institution, an organization or an individual capable of performing public service not provided by the bad debt management server 200, and approved. Public service should be carried out after this.

1) Nature conservation activities carried out by national institutions (weeding works in parks, rivers, etc.)

2) Public facilities service (high speed road, national road garbage collection, public facility repair)

3) Assistance in the care of terminally ill patients

4) Rural service (planting, rice harvesting, fruit harvesting, etc.)

5) Volunteer activities to protect cultural festivals (repair of cultural property, snow removal, maintenance of drainage, etc.)

6) Assistance for the severely disabled.

That is, the bad debt management server 200 that collects and provides information on volunteers as described above, examines the adequacy of volunteers in an appropriate manner, approves public service requesting agencies, organizations, and individuals, and works with approved organizations. Stars are categorized by region and provided through the website. The debtor judges the contents and region of the institution, organization or individual to which he or she will serve the public, and makes a public service request to the bad debt management server 200.

Then, the bad debt management server 200 notifies the debtor in the order of the requestor's request time according to the required number of people, and if the public service agencies, organizations and individuals received public service, each corresponding manager at the time that the debtor served publicly. Issue a public service confirmation or donation receipt to the debtor while uploading the public service confirmation or donation receipt to the bad debt management server 200, or confirming the debtor ID and social security number and listing the corresponding hours of use. The bond management server 200 to check the public service time of the debtor.

In addition, the debtor copies one copy of the public service confirmation or donation receipt issued by public service organizations, organizations and individuals, the original is kept by the debtor, and a copy is sent to the server administrator of the bad debt management server 200 once a month. To check in the bad debt management server (200).

Meanwhile, the bad debt management server 200 examines whether or not the debtor has made public service according to the contents of Articles 3 and 5 according to the loan agreement on the date set in advance, for more than a preset time (4 hours). If service is performed, the total implementation time mode is subtracted from the remaining time, and if the public service for 4 hours or less is performed, only the implementation time of the relevant public service is deducted, and the non-execution time is determined by the debtor ID. Send the invoice according to the formula.

The non-public service debtor shall make payment for the non-compliance within one business day of receiving the invoice and notify the administrator of the network-based follow-up system by means of the network or the usual method.

The after-sales management system server finishes checking whether the amount has been deposited within one business day from the date of receiving the invoice and records the reimbursement in the repayment record of the debtor.

The network-based follow-up management system checks the debtor's reimbursement record, and if the reason for the loss of the term benefit set out in Article 5 of the loan agreement is lost, converts the remaining time into an amount and claims it to the creditor. Notify me.

If there is any credit information terminated by the repayment of the conventional bond, the creditor shall be registered as a "financial insolvent trader" to re-finance the financial transaction of the debtor.

The present invention is not limited to the embodiments described above, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

As described above, the present invention provides the debtor with a new method of repayment so that the debtor may have a willingness to repay the debt, and achieves the effect of reducing a part of the debt amount generated in the debt repayment process to society.

In addition, the present invention, when repaying the debt amount of the debtor, repays more than the minimum level of repayment required by the creditor in a lump sum or an installment, and forms the debt obligation contract by the new money consumption loan contract, the remaining portion of the debt obligation formed Achieve the effect that the debtor can repay the debt amount by converting his or her effort or service time into money.

In addition, the present invention achieves the effect of enabling the debtor to effectively use and manage the time that the debtor decides to make efforts or to serve according to the loan agreement.

In addition, the present invention allows a financial institution to socially recover a portion of the bad debts that are difficult to recover, thereby achieving a corporate income deduction effect when the reduction targets a legal donation or a designated donation.

In addition, the present invention enables to reduce the social costs that are lost due to debt principal reduction, interest reduction, etc. in the management of bad debts, thereby achieving the effect of the debtor system.

In addition, the present invention enables the debtor to repurchase his time in the money-consumption loan contract that he or she is supposed to repay as an effort or service time to achieve the effect of speeding up the debt repayment period according to the debtor's efforts. .

In addition, the present invention achieves the effect of allowing the debtor to repay his debts by utilizing the remaining time while working in his life for his livelihood.

1 is a view for explaining the configuration of the network-based bad debts post management system according to the present invention,

2 is a view for explaining the configuration of a bad debt management server applied to FIG.

3 is an operation flowchart for explaining a network-based bad debt post management method according to the present invention;

4 is an operation flowchart for explaining a first intervention routine applied to FIG. 3;

5a and 5b is a flow chart illustrating the second intervention routine applied to FIG.

FIG. 6 is an operation flowchart for explaining a repayment contract routine applied to FIG. 3;

FIG. 7 is a flowchart illustrating a debt refinancing routine applied to FIG. 3.

<Explanation of symbols for the main parts of the drawings>

100: data communication network 200: bad debt management server

300: creditor terminal 400: debtor terminal

500: public service operation server 210: creditor information DB

220: debtor information DB 230: bad debt information DB

240: reimbursement information DB 250: public service information DB

260: member information management module 270: bad debt management module

280: Bad debt arbitration module 290: Debt repayment management module

Claims (31)

Data communication network; After the unspecified number of creditors or debtors make an online connection through the data communication network, a database is constructed from the credit information or debt information inputted from the creditor or the debtor, and the arbitration contract is made between the creditor and the debtor to arbitrate each other. A bad debt management server that manages bad debts by allowing some to be repaid in cash and the remaining parts being repaid through public service; A creditor terminal that registers bond information with the bad debt management server so that a portion of the bond can be repaid in cash according to the arbitration of the bad debt management server; Register the debt information with the bad debt management server to request arbitration with the debtor, and to reimburse some of the bonds in cash according to the arbitration of the bad debt management server, and the rest can be repaid by public service. Debtor terminal; And And providing a public service information to the debtor in response to a request of the bad debt management server, and transmitting a reimbursement information generated according to the public service to the bad debt management server. Network based bad debt follow-up management system. According to claim 1, wherein the bad debt management server, A credit information DB for storing a plurality of creditor information; A debt information DB for storing a plurality of debtor information; A bad credit information DB for storing bad debt information input by the creditor or the debtor; A reimbursement information DB for storing reimbursement information generated when the debtor reimburses the bad debt; Public service information DB that stores public service information provided by the public service management server; A bad credit management module that provides a service page for inputting corresponding bad debt information when a predetermined creditor or a debtor registers as a member, and registers bad debt information input through the service page in the bad debt information DB; When the bad debt information is input by the bad debt management module, it is determined whether the bad debt information is input by the debtor or the creditor, and when it is input by the creditor, it receives the repayment condition from the creditor and provides the debtor with the transaction. A bad debt arbitration module that allows the creditor to approve the request for reimbursement input by the debtor to receive a repayment request condition from the debtor when the creditor is input by the debtor so that the transaction can be made; And After the debtor has reimbursed for cash, the remaining amount of the reimbursement is converted into public service time to generate additional reimbursement request information, and the generated additional reimbursement request information is stored in the reimbursement information DB. When the additional payment information is generated by performing public service, the additional payment information is registered in the payment information DB, and the debt payment management module further updates the payment request information by excluding the additional payment information from the payment request information. Network-based bad debt post management system, characterized in that configured by. According to claim 1, The service page provided by the bad debt management module, Record the information on the debtor's name, social security number, debt base date, debt principal, interest (due fees), fees, expenses, amount that can be repaid in lump sum, and the amount that can be repaid on a regular basis during public service. Network-based bad debts post management system, characterized in that it has a blank space. According to claim 1, The service page provided by the bad debt management module, The creditor shall record the information on the debtor's social security number, name, reference date, principal, interest (due fees), fees, expenses, minimum amount to be repaid, whether interest reduction and interest reduction, the allowance for partial payments, and the period for partial payments. Network-based bad debts post management system, characterized in that it has a blank space. The method of claim 2, wherein the additional payment request information, Network-based bad debt follow-up management system, characterized in that the information containing information about the arbitration, debt history, debtor situation. The method of claim 2 or 5, wherein the bad debt arbitration module, If the debtor's request for reimbursement does not meet the creditor's repayment condition, the network-based bad debt post management, which transmits information on the amount and condition provided by the debtor to the creditor terminal along with a guide message. system. According to claim 1, wherein the bad debt arbitration module, The fact that the creditor's reimbursement terms do not meet the debtor's request for reimbursement, the fact that the creditor does not meet the amount presented, the creditor's condition, the creditor's rejection message, and the creditor's new amount and condition The network-based bad debts post management system, characterized in that for transmitting information about the debtor terminal. According to claim 1, wherein the bad debt arbitration module, In the case of a debt repayment transaction between the creditor and the debtor, the transfer of information about the amount of money contract and the terms and conditions to be repaid among the bad debts at the time of the contract and the location of the contract to the creditor and the debtor terminal Network based bad debt follow-up management system. The debt repayment management module of claim 1, Comparing and determining the public service information transmitted from the public service operation server and the public service information set by the debtor, calculating public service time that has not been performed by the debtor when the public service is not normally performed, and performing the public service that has not been performed. And calculating a time in cash, and transmitting a guide message to the debtor terminal so that the debtor can be repaid by paying the calculated cash. 10. The debt repayment management module according to claim 9, wherein the debtor who receives the guide message including information on the amount to be repaid in cash pays the amount within a preset period and transmits the payment information to the bad debt management server. Update the stored reimbursement information of the reimbursement information DB using the payment information; If the amount is not paid within a predetermined period, the debt repayment management module transmits a notice message about the breach of the contractor's contract to the creditor terminal and registers the debtor as a financial insolvent trader. Bad debt follow-up management system. (a) a first arbitration routine for the creditor management server to establish a database using the credit information input from the creditor and then allow the creditor to repay a portion of the bond in cash according to the arbitration of the bad debt management server; (b) establishes a database using debt information input from the debtor and allows the creditor to respond to the debtor's request for arbitration so that the debtor can reimburse the debtor for a portion of the debt in cash; A second intervention routine to allow reimbursement; (c) The bad debt management server establishes a database with credit information or debt information input from the creditor or the debtor after an unspecified number of creditors or debtors are connected online through a data communication network, and a repayment contract between the creditor and the debtor is established. A reimbursement contract process that manages bad debts by arranging for such payments so that some of the bad debts are reimbursed in cash and others are repaid through public service; And (d) The bad debt management server provides public service information provided from the public service operation server to the debtor in response to the debtor's request, and receives reimbursement information generated by the debtor performing public service from the public service operation server and the debtor. The post-management method of the network-based bad debts, characterized in that it further comprises a debt repayment process to reduce the repayment portion converted from bad debts to public service. The method of claim 11, wherein the repayment contract process, A bad debt management process of providing a service page for inputting the bad debt information when a predetermined creditor or the debtor is registered as a member, and registering the bad debt information input through the service page in the bad debt information DB; When the bad debt information is input by the bad debt management process, it is determined whether the bad debt information is input by the debtor or the creditor, and when it is input by the creditor, it receives the repayment condition from the creditor and provides the debtor with the transaction. A bad debt arbitration process that allows the creditor to approve the terms of the reimbursement request entered by the debtor so that a transaction can be made by receiving the reimbursement request condition from the debtor when the debtor is input by the debtor; And After the debtor has reimbursed for cash, the remaining debt amount is converted into public service time to generate additional reimbursement request information, and the generated additional reimbursement request information is stored in the reimbursement information DB. When the additional payment information is generated by performing public service, the additional payment information is registered in the payment information DB, and the debt payment management process of updating the payment request information by excluding the additional payment information from the payment request information is further included. Post management method of the network-based bad debts, characterized in that made. The method of claim 11, wherein the service page provided in the repayment contract process, Record the information on the debtor's name, social security number, debt base date, debt principal, interest (due fees), fees, expenses, amount that can be repaid in lump sum, and the amount that can be repaid on a regular basis during public service. Post management method of network-based bad debts, characterized in that it has a blank space. The method of claim 11, wherein the service page provided in the repayment contract process, The creditor shall record the information on the debtor's social security number, name, reference date, principal, interest (due fees), fees, expenses, minimum amount to be repaid, whether interest reduction and interest reduction, the allowance for partial payments, and the period for partial payments. Post management method of the network-based bad debts, characterized in that it has a blank space. The method of claim 12, wherein the additional payment request information, Network-based bad debt follow-up management method characterized in that the information containing information on the arbitration, debt history, debtor situation. The method of claim 12 or 15, wherein the bad debt arbitration process, If the debtor's request for reimbursement does not meet the creditor's repayment condition, the network-based bad debt post management, which transmits information on the amount and condition provided by the debtor to the creditor terminal along with a guide message. Way. The method of claim 11, wherein the bad debt arbitration process, The fact that the creditor's reimbursement terms do not meet the debtor's request for reimbursement, the fact that the creditor does not meet the amount presented, the creditor's condition, the creditor's rejection message, and the creditor's new amount and condition Post management method of the network-based bad debts, characterized in that for transmitting information about the debtor terminal. The method of claim 11, wherein the bad debt arbitration process, In the case of a debt repayment transaction between the creditor and the debtor, the transfer of information on the money-consumption loan agreement specifying the conditions of the contract and the amount and condition to be repaid among the bad debts at the time of the contract, the contract date, and the place of the contract to the creditor and the debtor terminal Network-based bad debt follow-up management method. The method of claim 11, wherein the debt repayment process is Comparing and determining the public service information transmitted from the public service operation server and the public service information set by the debtor, calculating public service time that has not been performed by the debtor when the public service is not normally performed, and performing the public service that has not been performed. And calculating a time in cash and transmitting a guide message to the debtor terminal so that the debtor can be repaid by paying the calculated cash. The method of claim 19, wherein the debt repayment process, When the debtor receiving the guide message including information on the amount to be reimbursed in cash pays the amount within a preset period and transmits the payment information to the bad debt management server, the payment information stored in the reimbursement information DB is paid. Updating using information; And If the payment is not made within a predetermined period of time, the network-based characterized in that it further comprises the step of transmitting a notice message about the breach of the contractor of the debtor to the creditor terminal, the listing of the debtor as a financial insolvent trader Follow-up management of bad debts (A) a first arbitration routine process for constructing a database using the credit information input from the creditor and allowing the creditor to be reimbursed in cash according to the arbitration of the bad debt management server; (B) Establish a database using debt information input from the debtor and allow the creditor to respond to the debtor's arbitration request so that the creditor can repay part of the debt in cash, and the remainder is public service. A second interventional routine process that allows for reimbursement; (C) through the data network, after the unspecified number of creditors or debtors have made an online connection, a database will be established with the credit information or debt information inputted from the creditor or the debtor, and the arbitration will be made between the creditors and the debtors to arbitrate. A bad debt management process that manages bad debts by allowing a portion of the bonds to be repaid in cash and the remaining portions being repaid through public service; And (D) The bad debt management server provides public service information provided from the public service operation server to the debtor in response to the debtor's request, and receives reimbursement information generated by the debtor performing public service from the public service operation server and the debtor. The recording medium recording the network-based bad debts post-management program source, characterized in that it further comprises a debt repayment process to reduce the repayment portion converted from bad debts to public service. The method of claim 21, wherein the repayment contract process, A bad debt management process for providing a service page for inputting corresponding bad debt information when a predetermined creditor or a debtor joins as a member and registering the bad debt information input through the service page in the bad debt information DB; When the bad debt information is input by the bad debt management process, it is determined whether the bad debt information is input by the debtor or the creditor, and when it is input by the creditor, it receives a repayment condition from the creditor and provides the debtor with the transaction. A bad debt arbitration process that permits the creditor to accept the terms of the reimbursement request entered by the debtor so that the transaction can be made by receiving the reimbursement request condition from the debtor when the debtor is input by the debtor; And After the debtor has reimbursed for cash, the remaining amount of the reimbursement is converted into public service time to generate additional reimbursement request information, and the generated additional reimbursement request information is stored in the reimbursement information DB. If the additional payment information is generated by performing public service, the additional payment information is registered in the payment information DB, and further including a debt payment management process to update the payment request information by excluding the additional payment information from the payment request information. Recording medium recording the network-based bad debts post-management program source, characterized in that made. The method of claim 21, wherein the service page provided by the repayment contract process, Record the information on the debtor's name, social security number, debt base date, debt principal, interest (due fees), fees, expenses, amount that can be repaid in lump sum, and the amount that can be repaid on a regular basis during public service. Recording medium recording the network-based bad debt after-management program source, characterized in that it has a blank space. The method of claim 21, wherein the service page provided by the repayment contract process, The creditor shall record the information on the debtor's social security number, name, reference date, principal, interest (due fees), fees, expenses, minimum amount to be repaid, whether interest reduction and interest reduction, the allowance for partial payments, and the period for partial payments. Recording medium recording the network-based bad debt after-care program source, characterized in that it has a blank space. The method of claim 22, wherein the additional payment request information, A recording medium recording the source of a network-based bad debt follow-up program, which includes information on arbitration, debt history, and debtor status. The method of claim 22 or 25, wherein the bad debt arbitration process, If the debtor's request for reimbursement does not meet the creditor's repayment condition, the network-based bad debt post management, which transmits information on the amount and condition provided by the debtor to the creditor terminal along with a guide message. Recording medium recording program source. The method of claim 21, wherein the bad debt arbitration process, The fact that the creditor's reimbursement terms do not meet the debtor's request for reimbursement, the fact that the creditor does not meet the amount presented, the creditor's condition, the creditor's rejection message, and the creditor's new amount and condition Recording medium recording a network-based bad debts post-management program source, characterized in that for transmitting the information on the debtor terminal. The method of claim 21, wherein the bad debt arbitration process, In the case of a debt repayment transaction between the creditor and the debtor, the transfer of information on the money-consumption loan agreement specifying the conditions of the contract and the amount and condition to be repaid among the bad debts at the time of the contract, the contract date, and the place of the contract to the creditor and the debtor terminal A recording medium recording the source of a network-based bad debt follow-up program. The debt repayment process of claim 21, wherein Comparing and determining the public service information transmitted from the public service operation server and the public service information set by the debtor, calculating public service time that has not been performed by the debtor when the public service is not normally performed, and performing the public service that has not been performed. And recording a network-based bad debts post-management program source for calculating time in cash and transmitting a guidance message to the debtor terminal so that the debtor pays the calculated cash. The method of claim 29, wherein the debt repayment process, When the debtor receiving the guide message including information on the amount to be reimbursed in cash pays the amount within a preset period and transmits the payment information to the bad debt management server, the payment information stored in the reimbursement information DB is paid. Updating using information; And If the payment is not paid within a predetermined period of time, the network-based process further comprises a process of transmitting a notice message about the breach of the contractor's contract to the creditor terminal, and listing the debtor as a financial insolvent trader The recording medium recording the source of the bad debt post-management program. delete