KR101699106B1 - Loaned money redemption method, server performing the same and system performing the same - Google Patents

Abstract

According to an embodiment of the present invention, a method for repayment of a loan includes the steps of: accumulating, in a mileage account, each transaction detail corresponding to a financial benefit set in a loan product registered by the user in a financial transaction history associated with the user; And at least one of the balance. Therefore, according to the present invention, each of transaction details corresponding to a financial benefit set in a loan item to which a user has subscribed is accumulated as mileage, and a portion of the loan is redeemed using mileage, At the same time, it can increase lending customers.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a method for repayment of a loan, a server for executing the repayment method,

Embodiments of the present invention relate to a method for repayment of a loan, a server for executing the same, and a system for executing the same.

Financial institutions sell loan products that provide funds to users based on their credit or property. A financial institution that sells such loan products lends a certain amount of money to the user of the loan product and makes a profit by claiming interest to the user as a consideration for the loan. The interest rate, which is the ratio of the interest on the principal in these loans, is determined by the agreement between the financial institution and the user within the statutory standard, and the user pays the interest to the financial institution according to the fixed interest rate during the loan period.

On the other hand, as the apartment construction market has shrunk due to the contraction of the apartment lending market, financial institutions are selling intermediary lending products. The user pays the down payment, intermediate payment, and balance until the apartment is sold and occupied. In this process, the user can join the intermediate loan product and receive the intermediate payment by borrowing it.

In an embodiment of the present invention, each of the transaction details corresponding to the financial benefits set in the loan product to which the user subscribes is accumulated as a mileage, and the mileage is used to redeem a portion of the loan, A server for executing the loan, and a system for executing the same.

According to an embodiment of the present invention, a loan repayment method capable of not only promoting a loan product sold at a bank but also attracting another user by accumulating compensation of mission success as mileage according to whether or not the mission is successful determined by the user, Server and a system that executes it.

An embodiment of the present invention provides a loan repayment method that can expect a user's active bank transaction and a credit card by setting a financial transaction selected by a user as a financial benefit of a loan product, a server that executes the loan repayment method, and a system that executes the same do.

The problems to be solved by the present invention are not limited to the above-mentioned problem (s), and another problem (s) not mentioned can be clearly understood by those skilled in the art from the following description.

Among the embodiments, the method of repayment of a loan includes the steps of accumulating each transaction detail corresponding to the financial benefit set for the loan item to which the user subscribes in the financial transaction details related to the user as mileage, and using the mileage to deposit the down payment, At least one of the at least one of the first and second parties.

In one embodiment, the step of accumulating each of the transaction details corresponding to the financial benefits set for the loan product to which the user has subscribed to the mileage may be performed by using different mileage according to transaction amounts of the respective financial transaction details corresponding to the predetermined financial benefits And a step of accumulating the data.

In one embodiment, the step of accumulating each of the transaction details corresponding to the financial benefits set for the loan product subscribed by the user as mileage may include, in the case of a transaction in which the interest amount is generated in the financial transaction details corresponding to the predetermined financial benefit, And accumulating the amount corresponding to the specific rate of the interest amount as mileage.

In one embodiment, the step of accumulating each of the transaction details corresponding to the financial benefits set in the loan product subscribed by the user as mileage may include accumulating the compensation of the mission success as mileage according to the success or failure of the mission determined by the user Step < / RTI >

In one embodiment, the step of accumulating the compensation of the mission success as mileage may further comprise the step of determining an accumulated mileage corresponding to the mission determined by the user.

In one embodiment, the step of determining the accumulated mileage corresponding to the mission determined by the user is a mission for recommending the user at the same time that another user subscribes to a specific loan product. In this case, And determining the accumulated mileage according to the mileage.

In one embodiment, the step of determining the accumulated mileage corresponding to the mission determined by the user may further include a step of determining the accumulated mileage according to the amount of the loan item to which the other user subscribes.

In one embodiment, the financial transaction details may include at least one of a deposit history, a withdrawal history, a deposit history, a deposit history, a subscription payment history, an insurance payment history, a utility payment history, a credit transfer history, .

In one embodiment, the loan product may be a merchantable item through at least one of Internet banking, mobile banking, and smart banking.

In one embodiment, the financial benefits set in the loan product may be accumulated as a mileage transaction when a transaction selected by the user occurs in the financial transaction details.

Among the embodiments, the loan money redeeming server includes a mileage management unit for accumulating, in the mileage, each transaction detail corresponding to the financial benefit set for the loan product that the user subscribes to in the financial transaction details related to the user, and a mileage management unit for calculating the down payment, And a loan repayment control unit for repaying at least one of the loan amount and the loan amount.

In one embodiment, the mileage management unit may accumulate different mileage according to transaction amounts of respective financial transaction details corresponding to the predetermined financial benefits.

In an embodiment, the mileage management unit may accumulate a mileage amount corresponding to a specific rate of the interest amount in the case of a transaction in which the interest amount is generated in the financial transaction details corresponding to the predetermined financial benefit.

In one embodiment, the mileage management unit may accumulate the compensation of the mission success as mileage according to whether the mission determined by the user is successful or not.

In one embodiment, the mileage management unit may determine an accumulated mileage corresponding to the mission determined by the user.

In one embodiment, when the mileage management unit is a mission for recommending the user at the same time that another user subscribes to a specific loan product, the mileage management unit may determine the mileage according to the number of other users recommending the user.

In one embodiment, the mileage management unit may determine the accumulated mileage according to the amount of the loan product to which the other user subscribes.

In one embodiment, the financial transaction details may include at least one of a deposit history, a withdrawal history, a deposit history, a deposit history, a subscription payment history, an insurance payment history, a utility payment history, a credit transfer history, .

In one embodiment, the loan product may be a merchantable item through at least one of Internet banking, mobile banking, and smart banking.

In one embodiment, the financial benefits set in the loan product may be accumulated as a mileage transaction when a transaction selected by the user occurs in the financial transaction details.

Among the embodiments, the loan repayment system includes a user terminal requesting a subscription processing of a loan commodity through at least one of Internet banking, mobile banking, and smart banking, and a user terminal requesting subscription processing of the loan commodity, And a loan reimbursement server for reimbursing at least one of a down payment, an intermediate payment and a balance by using the mileage to accumulate mileage for each transaction details corresponding to the set financial benefit.

The details of other embodiments are included in the detailed description and the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and / or features of the present invention, and how to accomplish them, will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but is capable of many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

According to an embodiment of the present invention, each transaction details corresponding to a financial benefit set in a loan item to which a user subscribes during a financial transaction of a user is accumulated as mileage, and a portion of the loan is redeemed using mileage, It is possible to increase loan customers while inducing transactions.

According to the embodiment of the present invention, the compensation of the mission success is accumulated as mileage according to the success of the mission determined by the user, thereby not only promoting the loan product sold at the bank but also attracting other users.

According to an embodiment of the present invention, a transaction selected by the user is set as a financial benefit of a loan product, so that a user can expect an active bank transaction and a credit card.

FIG. 1 is a network diagram illustrating a loan payment system according to an embodiment of the present invention. Referring to FIG.
2 is a block diagram illustrating a loan payment server according to an embodiment of the present invention.
3 is a block diagram illustrating a loan payment server according to another embodiment of the present invention.
4 is a flowchart for explaining an embodiment of a method of repayment of a loan according to the present invention.
5 is a flowchart for explaining another embodiment of the method for repayment of a loan according to the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a network diagram illustrating a loan payment system according to an embodiment of the present invention. Referring to FIG.

Referring to FIG. 1, the loan repayment system includes a user terminal 100, a loan repayment server 200, and a contractor terminal 300.

The user terminal 100 is a terminal for subscribing to a loan product through at least one of Internet banking, mobile banking, and smart banking, and may be a mobile terminal, a smart phone, a notebook computer, a PDA (Personal Digital Assistant) .

The user terminal 100 maintains connection or communication with the loan money reimbursement server 200. [ In one embodiment, the user terminal 100 may load at least a portion of a banking engine (e.g., mobile banking, internet banking, and smart banking) for connecting to the loan redemption server 200. For example, at least some of the predetermined operations required to repay the loan may be performed at the user terminal 100 for quick processing. In this embodiment, the user terminal 100 can provide the calculated result from the banking engine provided to the user terminal 100 to the loan repayment server 200.

The loan reimbursement server 200 can accumulate the transaction details corresponding to the financial benefit set in the loan commodity subscribed in the financial transaction details associated with the user terminal 100 as mileage and redeem some amount of the loan using the mileage have. For example, the loan repayment server 200 is a terminal located in Woori Bank or Woori Capital, and is allowed to subscribe only to the user on the list of the seller.

The contractor terminal (300) provides a list of sellers to the loan repayment server (200) under a business agreement with the loan repayment server (200).

2 is a block diagram illustrating a loan payment server according to an embodiment of the present invention.

2, the loan reimbursement server 200 includes an account management unit 210, a mileage management unit 220, and a loan repayment control unit 230. The credit management unit 240 and the credit rating management unit 250).

The account management unit 210 may manage an account for providing a loan repayment service.

In one embodiment, the account management unit 210 may open an account at the request of the user terminal 100. The type of account may include at least one of free deposit and withdrawal, deposit, trust, loan and deposit. The account management unit 210 may additionally receive the additional information of the account from the user terminal 100 and apply it to the account. The additional information of the account may include at least one of a transfer limit amount for the account and a withdrawal limit amount. If the account is an account linked to an investment grade financial instrument, that is, if the account is at least one of a deposit, a trust, and a deposit, it may include financial instrument attribute information associated with the account.

In one embodiment, the account management unit 210 may store the account opening history. The account opening history may include information about a user associated with the account. The information about the user may include at least one of a country code, a customer classification, a customer name, a customer address, a region identification code, a telephone number, a company address, a business telephone number, an account number, an initial transaction date and a final transaction date.

In one embodiment, the account management unit 210 may open a negative account in accordance with the user's credit rating. A negative account is an account that allows you to deduct a certain amount of money within a predetermined maximum amount according to your credit rating.

In one embodiment, the account management unit 210 may open a mileage account upon completion of the subscription to the loan product at the request of the user terminal 100. [ The mileage account is an account in which a mileage corresponding to a transaction is accumulated according to a user's financial transaction. In one embodiment, the account management unit 210 calculates a mileage account based on the financial benefits set in the loan product subscribed by the user terminal 100 It is possible to connect the account and the card. For example, when the financial benefit set in the loan product is the use of a credit card, the account management unit 210 may connect the mileage account and the credit card. In one embodiment, the account management unit 210 connects the mileage account and the card (for example, a cash card, a check card, a debit card, and a credit card) in a one-to-one relationship so that the mileage due to the card usage is accumulated in the mileage account do. For example, when the card A is used, the account management unit 210 may connect 1% of the card payment amount to the account B for mileage. In another embodiment, the account management unit 210 connects the mileage account and the plurality of cards with 1: N so that the mileage according to the use of the plurality of cards is accumulated in the mileage account. For example, when the card A and the card B are used, the account management unit 210 may connect 1% of each card payment amount to be accumulated in the mileage account C.

In another embodiment, the account management unit 210 may manage the mileage account and other accounts (for example, a free deposit account, a savings account, a trust account, and a deposit account) according to the financial benefits set for the loan product subscribed by the user terminal 100 Account) can be connected. For example, when the financial benefit set in the loan product is a salary transfer, the account management unit 210 connects the mileage account and the free deposit / withdrawal account so that the mileage according to the salary transfer is accumulated in the mileage account.

The mileage management unit 220 can accumulate and manage each transaction detail of the user as mileage.

In one embodiment, the mileage managing unit 220 may accumulate, as mileage, each transaction detail corresponding to the financial benefit set for the loan product to which the user subscribes in the financial transaction history associated with the user. The financial benefits set for these loan products are to accumulate the relevant transactions as mileage when transactions occur. For example, in the case where the financial benefit set in the loan product is credit card usage, payroll transfer, and deposit admission, the mileage management unit 220 can accumulate mileage corresponding to the transaction every time the transaction is generated by the user have.

In one embodiment, the mileage management unit 220 may accumulate mileage according to transaction amounts of respective financial transaction details corresponding to the financial benefits set for the loan products to which the user subscribes in the financial transaction details associated with the user. For example, if the financial benefit set in the loan product is 1% mileage accumulated at the time of deposit, the mileage management unit 220 may accumulate 1% of the amount of the deposit in the mileage account.

In one embodiment, the mileage managing unit 220 may accumulate mileage corresponding to the transaction amount based on the accumulated mileage information by the predetermined transaction amount. The accumulated mileage information by the predetermined transaction amount is information about mileage that can be accumulated to the user according to the transaction amount. Using this information, the mileage management unit 220 can accumulate the mileage corresponding to the transaction amount in the mileage account. For example, if the transaction amount is less than one million won, the mileage management unit 220 may accumulate 0.5% of the transaction amount in the mileage account. If the transaction amount is between 1 million and 1,500,000 won, Can be credited to the mileage account. If the transaction value of the transaction by the user is 750,000 won, it is possible to accumulate the mileage of 3,500 won, which is 0.5% of 750,000 won, in the mileage account.

In another embodiment, in the case of a transaction in which the interest amount is generated in the financial transaction details corresponding to the financial benefit set for the loan product to which the user has subscribed, the mileage management unit 220 uses the amount corresponding to a specific rate of the interest amount as mileage Can be accumulated. Here, the interest amount generated from the transaction may correspond to at least one of the interest amount arising from the expiration of at least one of the deposit expiration date, the deposit expiration date, the insurance expiration date and the subscription expiration date, and the interest amount for the balance in the deposit account .

In one embodiment, the mileage managing unit 220 may accumulate mileage corresponding to the interest amount in the mileage account according to the size of the interest amount. In one embodiment, the mileage managing unit 220 may accumulate mileage corresponding to the interest amount in the mileage account when the interest amount is equal to or greater than a specific amount. For example, the mileage managing unit 220 may accumulate mileage corresponding to the interest amount in the mileage account when the interest amount is more than 10,000 won. In one embodiment, the mileage managing unit 220 may accumulate the mileage corresponding to the interest amount in the mileage account in a specific unit. For example, if the interest amount is 26,320, the mileage management unit 220 can not accumulate the entire amount as mileage, and can accumulate mileage corresponding to only 20,000 won divided into 10,000 units in the mileage account.

In another embodiment, the mileage managing unit 220 may accumulate a mileage amount corresponding to a specific rate of the interest amount. For example, the mileage management unit 220 may accumulate 5,000 miles corresponding to 15,000 won, which is 50% of the interest amount of 30,000 won, in the mileage account. This ratio can be determined by the user.

In another embodiment, the mileage management unit 220 may accumulate the compensation of mission success as mileage according to the success of the predetermined mission. In one embodiment, the mileage management unit 220 may accumulate the compensation of mission success as mileage according to the success of the mission determined according to the user's selection.

In one embodiment, the mileage managing unit 220 can determine mileage accrued according to the difficulty of the mission. For example, if the mission informs another user on the social network of the loan product, the mileage managing unit 220 can determine the accumulated mileage to be 1000 points. As another example, if the mission is to notify bank users to 100 users on the social network, the mileage management unit 220 can determine the earned mileage to 10000 points. In one embodiment, if the other debtor is in a mission to recommend the debtor at the same time as joining a particular loan product, the mileage management unit 220 may determine the earned mileage according to the number of other debtor who nominated the debtor. In another embodiment, the mileage management unit 220 may determine the earned mileage according to the amount of the loan item to which the other debtor belongs.

In another embodiment, the mileage managing unit 220 can determine mileage accrual according to the execution period of the mission. For example, the mileage management unit 220 can determine the accumulated mileage to be 1000 points if the execution period of the mission is one month.

In one embodiment, the mileage management unit 220 may convert the mileage in the mileage account to another mileage for another purpose. For example, the mileage managing unit 220 converts the mileage in the mileage account to another mileage for another use, and allows the user to perform other transactions such as payment of the insurance premium, payment of deposit, delivery of cash, and withdrawal of cash.

Unlike this embodiment, the mileage managing unit 220 can manage the financial benefits set in the loan product and the mileage accumulated at the time of occurrence of the transaction. In one embodiment, the financial benefits set for the loan product may be selected by the user. For example, if you are an employee with a lot of cards and you get paid, you can now decide on the card usage and salary for the financial benefits that correspond to the loan product. In another embodiment, the financial benefit set for the loan product may be selected by the merchandise producer. For example, if there is a special deposit in Woori Bank, the producer of the product may decide to purchase the special financial deposit for the loan product.

The loan repayment control unit 230 can redeem at least one loan out of the down payment, the intermediate payment and the balance by using the mileage in the mileage account.

In one embodiment, the loan repayment control unit 230 may provide a discount service for the loaned amount of money if the repayment of at least a part of the amount of the loan serviced by the user terminal 100 before the predetermined repayment date is requested. In one embodiment, the loan repayment control unit 230 may provide the discount service at a discount rate determined according to the remaining period up to the predetermined repayment date. For example, if the predetermined repayment period is 30 days, but the loan service amount is repaid on July 10, 2012, which is a date 10 days earlier by the user terminal 100, the loan repayment control unit 230 determines The discount rate of 3%, which is determined according to the remaining period up to the set redemption date, can be provided.

Unlike this embodiment, the loan repayment control unit 230 may charge interest on the amount of money if the amount of the loan serviced before the predetermined repayment date is not redeemed from the user terminal 100. In one embodiment, the loan repayment control unit 230 can set the interest rate higher as the delinquency date increases. For example, the loan repayment controller 230 may charge 0.1% of interest on the first day of delinquency and 0.2% of interest on the second day of delinquency.

The card management unit 240 may issue a card connected to the mileage account at the request of the user terminal 100. Here, the card may be at least one of a cash card, a check card, a debit card, and a credit card. The card management unit 240 may issue the corresponding card according to the credit rating of the user. For example, the card management unit 240 may not issue a credit card if the credit rating of the user is low. For example, if the user's credit rating is high, the card management unit 240 can issue a credit card with a high payment limit.

The credit rating management unit 250 can manage the user's credit rating according to the user's financial transaction history. In one embodiment, the user's credit rating can be adjusted according to the user's credit card payment history. For example, if the user has paid the credit card payment date, the credit rating manager 250 may adjust the credit rating of the user. For example, if the user has delayed payment of the card due to the payment date of the credit card payment date, the credit rating manager 250 may downgrade the user's credit rating according to at least one of the past due amount, the overdue number, Can be adjusted.

3 is a block diagram illustrating a loan payment server according to another embodiment of the present invention. 3, the same or corresponding contents as those described above with reference to Fig. 2 will be omitted and the person skilled in the art will be able to refer to another embodiment of Fig. 3 from this You will understand.

The loan money reimbursement server 200 disclosed in FIG. 3 may further include a financial transaction history history DB 260 and a loan product recommendation unit 270.

The financial transaction history DB 260 can store the history information of the transaction when the financial transaction is completed by the user. Here, the financial transaction may include at least one of credit card use, deposit, deposit, insurance, withdrawal, and direct debit

In one embodiment, the financial transaction history DB 260 may store financial transaction history information for each user. For example, when the user A subscribes to the special savings A at the bank, the financial transaction history DB 260 can store the financial transaction history information of the user A. In this embodiment, the credit rating management unit 250 can manage the credit rating of the user using the financial transaction history information in the financial transaction history DB 260. For example, the credit rating manager 250 may change the user's rating in our bank to VIP if the user rating on our card is VIP.

The loan product recommendation unit 270 can recommend the loan product according to the financial transaction history information in the financial transaction history DB 260. [ For example, if a user uses two credit cards and one deposit in our bank and uses our credit card, the credit product recommendation unit 270 accumulates mileage according to deposit payment, payment payment, and credit card usage You can recommend loan products.

Hereinafter, a method of repayment of a loan will be described with reference to FIGS. Since the method of repayment of a loan to be described later is performed in the loan money reimbursement server 200 described above, corresponding contents will not be duplicated, but a person skilled in the art can understand one embodiment of the method of repayment of a loan according to the present invention from the above- There will be.

4 is a flowchart for explaining an embodiment of a method of repayment of a loan according to the present invention. The embodiment shown in FIG. 4 relates to an embodiment in which each transaction detail corresponding to a financial benefit set in a loan product to which a user has subscribed is accumulated as mileage, and the loan can be repaid using mileage.

Referring to FIG. 4, the loan reimbursement server 200 accumulates each transaction detail corresponding to a financial benefit set for a loan product subscribed by the user in the financial transaction details associated with the user, as mileage (step S410). The loan reimbursement server 200 reimburses at least one of the down payment, the intermediate payment and the balance using the mileage (step S420).

5 is a flowchart for explaining another embodiment of the method for repayment of a loan according to the present invention. An embodiment disclosed in FIG. 5 relates to an embodiment in which mileage accumulated in accordance with a user's financial transaction can be converted into mileage for other purposes, and mileage can be used for other financial transactions.

Referring to FIG. 5, the loan reimbursement server 200 accumulates the transaction details corresponding to the financial benefits set in the loan product subscribed by the user in the financial transaction details associated with the user as mileage (step S510). The loan reimbursement server 200, when receiving a request for switching the mileage by the user (step S520), converts the mileage into another mileage (step S530).

In one embodiment of step S530, the loan redemption server 200 may convert the mileage for redemption into at least one of redemption mileage, deposit redemption mileage, redemption mileage, and cash withdrawal mileage .

Embodiments of the present invention include computer readable media including program instructions for performing various computer implemented operations. The computer-readable medium may include program instructions, local data files, local data structures, etc., alone or in combination. The media may be those specially designed and constructed for the present invention or may be those known to those skilled in the computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floppy disks, and ROMs, And hardware devices specifically configured to store and execute the same program instructions. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the scope of the appended claims and equivalents thereof.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Modification is possible. Accordingly, the spirit of the present invention should be understood only in accordance with the following claims, and all equivalents or equivalent variations thereof are included in the scope of the present invention.

100: user terminal
200: Loan redemption server
300: Contractor terminal
210:
220: mileage management section
230: Loan repayment control unit
240: Card management section
250: credit rating manager
260: Financial transaction history DB
270: Loan product recommendation section

Claims (21)

A method for repayment of a loan executed in a loan redemption server,
Confirming whether a user holding the mobile terminal exists on the list of distributors based on the list of distributors received from the contractor terminal;
Providing a loan service for at least one of a down payment, an intermediate payment and a balance according to the result of the check;
Accumulating each transaction detail corresponding to the financial benefit set in the loan product registered by the user in the financial transaction details associated with the user as mileage; And
Repayment of at least one of a down payment, an intermediate payment and a balance using the mileage,
The step of accumulating with the mileage
The amount corresponding to a predetermined ratio of the transaction amount of each of the financial transaction details corresponding to the predetermined financial benefit, the amount based on the mileage information preset for each transaction amount, the interest amount, and the predetermined interest amount, Mileage,
Wherein the financial transaction details include at least one of a deposit history, a withdrawal history, a payment history, a deposit history, a subscription payment history, an insurance payment history, a utility payment history, a automatic transfer history and a card usage history .
delete The method as claimed in claim 1, wherein the step of accumulating each of the transaction details corresponding to the financial benefit set for the loan product subscribed by the user as mileage
Further comprising the step of accumulating, as mileage, an amount corresponding to a specific rate of the interest amount in the case of a transaction in which the interest amount is generated in the financial transaction details corresponding to the predetermined financial benefit.
The method as claimed in claim 1, wherein the step of accumulating each of the transaction details corresponding to the financial benefit set for the loan product subscribed by the user as mileage
Further comprising the step of accumulating, as mileage, the compensation of the mission success according to the success or failure of the mission determined by the user.
5. The method as claimed in claim 4, wherein the step of accumulating the compensation of the mission success as mileage
Further comprising the step of determining an accumulated mileage corresponding to the mission determined by the user.
6. The method of claim 5, wherein determining the earned mileage corresponding to the mission determined by the user comprises:
Further comprising the step of determining the earned mileage according to the number of other users recommending the user when the other user is a mission to recommend the user at the same time as joining the specific loan product.
7. The method of claim 6, wherein determining the earned mileage corresponding to the mission determined by the user comprises:
Further comprising the step of determining the accumulated mileage according to the amount of the loan product to which the other user subscribes.
delete The method according to claim 1,
Wherein the merchandise is a merchandise that can be subscribed through at least one of Internet banking, mobile banking, and smart banking.
The method of claim 1, wherein the financial benefit
And accumulating the transaction as mileage when a transaction selected by the user occurs in the financial transaction details.
A mileage management unit for accumulating, in the mileage, each transaction details corresponding to the financial benefit set in the loan product to which the user subscribes, in the financial transaction details associated with the user; And
And a loan repayment control unit for repaying at least one of a down payment, an intermediate payment and a balance by using the mileage,
The loan repayment control unit
The method comprising: confirming whether or not a user holding the mobile terminal exists on the list of sellers based on the list of sellers received from the contractor terminal, providing a loan service for at least one of a down payment, an intermediate payment and a balance,
The mileage management unit
The amount corresponding to a predetermined ratio of the transaction amount of each of the financial transaction details corresponding to the predetermined financial benefit, the amount based on the mileage information preset for each transaction amount, the interest amount, and the predetermined interest amount, Earn mileage,
Wherein the financial transaction details include at least one of a deposit history, a withdrawal history, a deposit history, a deposit history, a subscription payment history, an insurance payment history, a utility payment history, a automatic transfer history, and a card usage history.
delete 12. The system according to claim 11, wherein the mileage management unit
And the amount corresponding to a specific rate of the interest amount is accumulated as mileage in case of a transaction in which the interest amount is generated in the financial transaction details corresponding to the predetermined financial benefit.
12. The system according to claim 11, wherein the mileage management unit
And a credit of the mission success is accumulated as mileage according to the success or failure of the mission determined by the user.
15. The system of claim 14, wherein the mileage management unit
And determines an accumulated mileage corresponding to the mission determined by the user.
16. The system of claim 15, wherein the mileage management unit
Wherein the mileage determination unit determines the earned mileage according to the number of other users who recommend the user when the other user subscribes to the specific loan product and recommends the user at the same time.
The system of claim 16, wherein the mileage management unit
And determines the earned mileage according to the amount of the loan item to which the other user subscribes.
delete 12. The method of claim 11,
And is a commodity that can be subscribed through at least one of Internet banking, mobile banking, and smart banking.
12. The method of claim 11,
And accumulates the transaction as mileage when a transaction selected by the user occurs in the financial transaction history.
A user terminal requesting subscription processing of a loan item through at least one of Internet banking, mobile banking, and smart banking;
A contractor terminal providing a list of sellers; And
Based on the list of sellers received from the contractor terminal, whether or not a user holding the user terminal is present on the list of sellers, and provides a loan service for at least one of the down payment, intermediate payment and balance according to the confirmation result and,
And a loan money reimbursement server for reimbursing at least one of a down payment, an intermediate payment and a balance by using the mileage to each of the transaction details corresponding to the financial benefit set for the loan product in the financial transaction details traded by the user terminal and,
The loan money redeeming server
The amount corresponding to a predetermined ratio of the transaction amount of each of the financial transaction details corresponding to the predetermined financial benefit, the amount based on the mileage information preset for each transaction amount, the interest amount, and the predetermined interest amount, Earn mileage,
Wherein the financial transaction details include at least one of a deposit history, a withdrawal history, a deposit history, a deposit history, a subscription payment history, an insurance payment history, a utility payment history, a automatic transfer history and a card usage history. .

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