KR20070092842A - Method and system for relaying cash consumer loans, repeater and recording medium for money consumer loans - Google Patents

Abstract

The present invention relates to a money consumption balance relay method and system, and a money consumption balance relay device, a recording medium for the same, the money consumption balance relay system for providing a money consumption balance relay service between customers according to the present invention, When the terminal is connected, the customer authentication and information verification means for authenticating the customer and confirming the credit rating information of the customer, and a predetermined money consumption loan product information request signal is received from the money consumer account terminal, the confirmed After extracting a plurality of money lending commodity information corresponding to customer information and / or credit rating information from a predetermined information storage medium, the extracted plurality of money lending commodity information is listed, and the borrower customer is listed above. An interface that allows you to select one or more of the following information: If the interface providing means for providing to the customer terminal and at least one of the plurality of the money consumption items listed above through the interface from the cash consumer customer terminal, the selected product information and the customer information is linked Information storage means for storing in a predetermined storage medium.

Description

System and Method for Relaying Lending and Borrowing in Money, Devices for Relaying and Recording Medium}

1 is a diagram illustrating a system for registering information of a consumer of money for a consumer money relay service according to the present invention.

2A, 2B, and 2C are diagrams illustrating an information structure stored in the money consumption condition condition D / B for the money consumption relay service according to the present invention.

3A and 3B are diagrams illustrating a process of registering information of a cash consumer for a money consumption relay service according to the present invention.

FIG. 4 is a diagram illustrating a configuration of information on a target item for a consumer of money stored in the product information D / B for a money consumption loan relay service according to the present invention.

FIG. 5 is a diagram illustrating a process of generating and registering a product information targeted by a consumer of money for a consumer loan relay service according to the present invention.

6 is a diagram showing the configuration of a cash consumption balance relay system according to the embodiment of the present invention.

7A and 7B are diagrams illustrating the structure of money consumption detail information according to an embodiment of the present invention.

8 is a diagram illustrating a process of selecting a product targeted by a consumer of money for a consumer loan relay service according to an embodiment of the present invention.

9 is a diagram illustrating a product selection interface for money consumer borrowers according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of providing a money consumption balance relay service through a product targeted for a consumer of money according to an embodiment of the present invention.

11 is a diagram illustrating a process for processing money consumption loans for a money consumption relay service according to an embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 125: cash consumer condition information D / B

145: Product Information D / B 160: Member Information D / B

170: money consumer loan terminal 600: money consumer loan relay server

605: customer authentication unit 610: interface unit

615: information extraction unit 620: information providing unit

625: information receiving unit 630: cash consumption balance relay

635: money processing unit 640: information storage unit

645: storage medium 650: money consumer borrower customer terminal

The present invention relates to a money consumption balance relay system and method for providing a money consumption balance relay service between customers.

The money balance relay service is a service for relaying a money balance agreement between at least one money consumer and at least one money consumer, and the money balance relay service is a one-to-one between at least one money consumer and the money consumer. Direct trade cash balance relay service, and / or one-to-many direct cash flow balance relay service between at least one or more money consumer stocks and money consumer stocks, and / or any of the money consumer and / or money consumer borrowers. There may be an auction / reverse auction money relay service that presents the terms of the money loan agreement and the other party concludes the money loan agreement based on the terms of the money loan agreement.

However, for the general consumer of consumer loans who do not possess legal knowledge of Article 598 (Meaning of Consumer Loan) of the Korean Civil Code and financial knowledge under the money loan agreement, the above-mentioned money loan relay service is Determining whether a money lending contract is beneficial to the consumer of the money consumer and whether it is stable involves a difficult problem.

An object of the present invention is to check the customer authentication and customer's credit rating information when accessing the consumer terminal, and when a predetermined money consumption product information request signal is received from the consumer terminal, After extracting a plurality of money lending commodity information corresponding to customer information and / or credit rating information from a predetermined information storage medium, the extracted plurality of money lending commodity information is listed, and the borrower customer is listed above. Provide an interface for selecting one or more of the plurality of money lending commodity information to the customer terminal, and selects one or more of the listed plurality of money lending commodity information from the cash consumer customer terminal through the interface The predetermined product information and the customer information are linked to a predetermined process. To provide a money consumption balance relay method and system for processing the money consumption balance relay to the money consumer borrower customer in accordance with the product conditions, stored in the storage medium, based on the information on the money consumption loans stored in the storage medium. have.

The money consumption balance relay system for providing a customer service money balance relay service according to the present invention, the customer authentication and information verification means for authenticating the customer and confirming the credit rating information of the customer when the customer access to the money consumer ; When a predetermined amount of money lending commodity information request signal is received from the customer account terminal, the plurality of pieces of money lending commodity information corresponding to the confirmed customer information and / or credit rating information are extracted from a predetermined information storage medium. And an interface providing means for providing the customer terminal with an interface for listing the extracted plurality of money consumption product information, and allowing the customer to select one or more of the listed plurality of money consumption product information. ; Information storage means for storing the selected commodity information and the customer information in a predetermined storage medium by linking the selected commodity information with the customer information when the cash consumer customer terminal selects at least one of the listed plurality of money consumption commodity information through the interface; Characterized in that comprises a.

The money consumption balance relay system according to the present invention is characterized in that the money consumption balance is handled to the money consumption owner customer based on the money consumption product information stored in the storage medium.

According to the present invention, the interface providing means provides an interface for inputting and / or selecting a cash consumption commodity condition to the cash consumer customer terminal, and the money consumption input and / or selected by the cash consumer customer terminal. And a plurality of money consumption loan product information corresponding to the loan product condition are extracted from the storage medium.

Further, according to the present invention, the money consumption product condition is characterized in that it comprises at least one loan amount condition, loan period condition, loan interest rate condition, collateral setting condition.

Further, according to the present invention, the money lending product information includes at least one item of information on the period of money consumption, interest rate information on the amount of money loans, information on the amount of money on loan, and information on the terms of the loan agreement; Characterized in that it comprises one or more.

According to the invention, each of the means is characterized in that it is provided in a single server (or device) or a plurality of servers (or devices).

On the other hand, the money consumption balance relay method for providing an inter-customer money consumption balance relay service according to the present invention, at the time of access to the customer terminal of the money consumer, the predetermined customer authentication and information verification means to authenticate the customer, the customer's credit Checking grade information; When a predetermined amount of money lending product information request signal is received from the money consumer account terminal, a plurality of pieces of money lending product information corresponding to the identified customer information and / or credit rating information are predetermined by a predetermined interface providing means. After extracting from the information storage medium, the extracted plurality of money lending commodity information is listed, and the customer terminal has an interface for allowing the borrower customer to select one or more of the listed plurality of money lending commodity information Providing with; When the cash consumer customer terminal selects one or more of the listed plurality of cash consumer goods information through the interface, a predetermined information storage means associates the selected product information with the customer information to a predetermined storage medium. Storing; And processing a money consumption balance to the money consumer borrower customer so as to meet the product conditions based on the information on the money consumption loan product stored in the storage medium by a predetermined money consumption balance relay means. It is characterized by.

According to the present invention, the interface providing means for providing an interface for inputting and / or selecting a cash consumption commodity condition to the cash consumption customer terminal; And extracting, from the storage medium, a plurality of money consumption commodity information corresponding to a cash consumption commodity condition input and / or selected by the money consumption client customer terminal in the interface providing means. do.

On the other hand, the present invention includes a recording medium, characterized in that the program for executing the above-described cash consumption balance relay method is recorded.

On the other hand, according to the present invention, the money consumption balance relay device for providing a customer service between the money consumption balance, when the customer accessing the money consumer terminal, a plurality of money consumption corresponding to the customer information and / or credit rating information of the customer After the loan commodity information is extracted from a predetermined information storage medium, the extracted plurality of money-consumption loan commodity information is listed, and the money-consuming borrower customer can select one or more of the plurality of money-consumption loan commodity information listed. An interface provider for providing an interface to the customer terminal; And selecting one or more of the listed items of the plurality of money consumption loan items through the interface in the customer home appliance, and storing the information on the selected storage medium by linking the selected product information and the customer information. It is characterized by comprising;

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

Each means constituting the present invention, according to the unique characteristics (or roles) defined in the means, the program (e.g., the unique function (or role) of each means) recorded on a recording medium provided in a given server. Or as an independent server that performs a unique function as defined in the corresponding means (e.g., via a server-to-server interface). It is possible to constitute a plurality of server systems that are linked to each other), and the preferred embodiment of the present invention described below may be applied to a recording medium provided in a predetermined server in order to effectively explain the technical components of the present invention. Although described as being implemented through a program to be recorded (and / or a plurality of interoperable servers), implementation of the above means It by no means is limited to not more than the method embodiment of the case.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a system for registering information of a consumer of money for a consumer money relay service according to the present invention.

In more detail, FIG. 1 illustrates a predetermined amount of money consumption loan at a server of a cash consumption relay service provider for a money balance relay service in which at least one money consumption loan lends a predetermined amount to at least one money consumption borrower. Input agreement conditions input interface for providing and providing information on money consumer loan conditions, including at least one of the amount condition, interest rate condition, term condition and / or money consumer condition for the amount to be loaned to at least one money consumer. If provided to the at least one money consumer customer terminal 170, and at least one money consumer condition information is received from the money consumer customer terminal 170 through the input interface agreement terms, The money consumption condition information and gold on the server After all consumer information and / or customer deposit information is linked and stored in the predetermined money consumption condition information D / B 125, at least one money consumption borrower periodically based on the money consumption condition information. Information for generating target product information, and linking the at least one consumer of consumer information corresponding to the at least one consumer of the cash consumer with the information related to the consumer of the money consumer and storing the information in the predetermined product information D / B 145. As a method of implementing a registration system, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 1 and at least one for the money balance relay service according to the present invention. The predetermined amount of money consumption difference is received by receiving the information on the consumption conditions of the consumer according to each method from the above-mentioned money consumer group customer terminal 170. It would be able to infer the exemplary method for the various information registration system configured to generate and store the target product information, and the present invention includes all embodiments how the inference, shall not be limited to the exemplary method shown in the figure 1.

In FIG. 1, a means and / or a functional configuration for performing the information registration of the money consumer for the money consumer loan relay service according to the present invention is referred to as "information registration server 100" in FIG. It demonstrates and demonstrates.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for a money lending relay service according to the present invention includes at least one money consumer line customer terminal 170 used by at least one money consumer and the customer. The information registration server 100 is connected to the terminal through a predetermined network means 165, and the information registration server 100, the information to register the information for the money consumer for the money consumer loan relay service according to the present invention. It is characterized in that it comprises at least one or more databases associated with the registration server 100 (or provided in the information registration server 100), and the information registration server 100 is the money consumer in accordance with the present invention In the information registration process (or after information registration) according to the processing of the predetermined amount deposit process to lend a predetermined amount to the at least one borrower And that of associated with the financial system 155, with a predetermined interface means 150 is characterized.

The cash consumer terminal 170 is a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired network (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or A mobile communication network comprising at least one wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 via a cable communication network, and / or a code division multiple access (CDMA) based system. A wireless terminal including at least one mobile communication terminal connected to the mobile communication terminal, and / or a portable internet terminal connected to the IEEE 802.16 based high speed wireless internet, and / or a wireless data communication terminal connected to a DataTAC / Mobitex based wireless data communication network. Characterized in that it comprises at least one, and the consumer money customer terminal 170 is the information registration form A function configuration (for example, a browser program) for outputting at least one or more interface screens provided by the server 100 and inputting and / or selecting at least one or more information through the interface screens and transmitting the same to the information registration server 100. And communication function) is preferably provided.

As one of ordinary skill in the art to which the present invention pertains can easily infer the characteristics of the money consumer customer terminal 170 corresponding to at least one or more wired terminals and / or wireless terminals, Detailed description is omitted for convenience.

The information registration server 100 comprises at least one means and / or a functional configuration for performing information registration of the money consumption notice for the money consumption balance relay service according to the present invention at the provider of the money consumption balance relay service according to the present invention. And the means and / or functional configuration are at least one server (or device), and / or a recording medium provided in the server (or device) according to the intention of a person skilled in the art of practicing the present invention. It can be implemented as a program recorded in, etc., Figure 1 is registered with the information of the consumer spending information on a predetermined information registration server 100 for easily explaining the technical features of the present invention to those skilled in the art of practicing the present invention. Although illustrated and described as having a means to perform and / or a functional configuration, the present invention is not limited thereby.

In addition, the information registration server 100 is associated with at least one or more databases in order to perform the information registration of the money consumer for the money consumer loan relay service according to the present invention at the money lending relay service provider side according to the present invention; And / or at least one database, and in FIG. 1, a database that may obscure the gist of the present invention is omitted for convenience.

Referring to Figure 1 according to an embodiment of the present invention, the information registration server 100 for the registration of information on the money consumer for money consumption relay service according to the present invention is at least one money consumer and / or money Member information D / B (160) for storing the member information corresponding to the consumer borrower, and the money consumer's condition information D that stores the money consumer's money consumer's condition information for the money consumer loan relay service according to the present invention; / B 125 is provided.

The member information D / B 160 storing the money consumer member information includes the money consumer information for the money consumer who lends a predetermined amount to the at least one money consumer. And the intention and / or intention of a person skilled in the art to carry out the present invention, characterized in that the money consumer includes information on the customer account holder for operating and managing the loan of a predetermined amount to the at least one money consumer. According to the law related to the present invention, the member information D / B (160) is the contents of the contract concluded between the money consumer and the money consumer loan relay service provider (or terms and conditions) for the money consumer loan relay service according to the present invention. And / or at least the amount of money consumption stock corresponding to the money consumption loan relay service according to the present invention. At least one or more methods of a money lending relay service for lending to one or more money consumer, and / or the rights and responsibilities of the money lender and money lender relay service provider for the amount deposited by the lender. It may further include information on the consumption of money consumer loans (not shown), and in addition, the member information D / B 160 storing the money consumption member information according to the intention of the skilled person may further include at least one or more information. have.

According to the embodiment of the present invention, the money consumer loan account information is withdrawn the amount to borrow the money consumer loan funds to at least one money consumer borrower customer, the principal and / or interest repaid from the money consumer borrower customer It is preferable to include the information on the financial consumer's financial account corresponding to the financial account deposited to the customer's consumer, and / or the customer's deposit account information for depositing the money consumer's funds by the customer's money consumer; It is preferable to make it.

According to the method of the present invention, the principal and / or interest deposited into the financial consumer bank account is limited in the principal and / or interest reimbursed from the consumer of the financial consumer for the money lending relay service provider. It is desirable to deposit the amount.

The member information D / B 160 which stores the money consumer borrower member information includes money consumer information about the money consumer who borrows at least one money consumer loan fund, and the money consumer has at least one money. It includes a customer account information for money borrower to manage the borrowing of consumer loans, and the member information D / B according to the intention of the person skilled in the practice of the present invention and / or the law related to the present invention (160) is a contract (or agreement) and (or the terms and conditions of the agreement) and / or the money consumer borrower entered into between the money consumer and the money lender relay service provider for the money lender relay service in accordance with the present invention; Money for borrowing at least one or more money consumer loan funds in response to a money consumption loan relay service according to the present invention. Loan loan management information (not shown) including at least one method and / or the responsibility and obligations of the borrower for the loan amount to the borrowed amount, and in addition to the intention of the skilled person Accordingly, the member information D / B 160 that stores the money consumer borrower member information may further include at least one or more information.

According to an embodiment of the present invention, the customer may have borrowed (and / or redeemed) a predetermined borrowing amount from at least one or more money consumer through at least one or more money consumer through the money loan relay service according to the present invention. In this case, the money consumer borrower customer information preferably further includes delinquent information on the money consumer, whereby predetermined creditworthiness information for the customer may be calculated.

According to the embodiment of the present invention, the money consumer borrower customer account information manages the borrowed money borrowed from the at least one money consumer through the money consumer loan relay service according to the present invention, and the money It is preferable that the principal and / or interest repaid from the consumer borrower customer include the financial consumer finance account information corresponding to the financial account deposited to the money lender relay service provider, and / or the consumer of the money consumer. It is preferable that the borrowing amount borrowed from at least one financial consumer through the money consumer loan relay service according to the present invention includes customer loan account information of the customer who has deposited money.

The money consumer condition information D / B 125 may be configured to provide information on the money consumer condition, the money consumer information, and the customer deposit information on the money consumer, which are received from a predetermined money consumer customer terminal 170. Characterized in that the linkage processing.

According to the method of the present invention, the monetary consumer condition information includes at least one of a monetary condition, an interest rate condition, a period condition, and / or a monetary borrower condition for the amount of money that the predetermined monetary consumer borrows from at least one monetary borrower Preferably, the customer deposit information includes the deposit amount information and the money amount deposited by the cash consumer to lend to at least one money consumer through the money balance relay service according to the present invention; It is preferable to include at least one or more customer deposit account information for depositing consumer spending funds and / or deposit confirmation information for confirming whether an amount corresponding to the money consumption loan funds is deposited in the customer deposit account.

In addition, the information registration server 100 is a predetermined process for processing the depositor's money deposit corresponding to the consumer's money consumer loan information for the money consumer loan relay service according to the present invention. The financial system 155 and the predetermined interface means 150 is characterized in that the process is linked.

The financial system 155 associated with the information registration server 100 is an account system for processing (or requested) credit service and / or receiving service, etc. arising in the money balance relay service process according to the present invention, and the present invention. Information support services (e.g., a request for withdrawal of the loan amount to the financial consumer's financial account, and / or confirmation of interest deposits from the financial consumer) And / or an information system for processing the repayment of the borrowed money from the money consumer, and the financial system 155 and the information registration server 100 shown in FIG. 1 through a predetermined interface means 150. And / or an external system that provides communication connection and information transmission and reception between a money consumption balance management server that provides the money consumption balance relay service, and the money consumption stock and / or gold. And at least one financial account corresponding to the total consumer loan and / or an account unit for managing an account including a customer deposit account and / or a customer loan account.

According to the method of the present invention, the financial system 155 is composed of at least one server (or device), and / or in the form of a program recorded on a recording medium provided in the at least one server (or device). It may be all implemented, and / or comprises a storage device provided in at least one or more servers (or devices), whereby the invention is not limited.

According to an exemplary embodiment of the present invention, the financial system 155 may be provided on a cash balance relay system providing a cash balance relay service according to the present invention (for example, a cash balance relay according to the present invention). A cash-consumption lending service provider providing a service is granted a financial company status to perform lending / receiving business pursuant to related laws, or provides a money-consuming lending relay service according to the present invention at a financial institution performing lending-receiving business. In this case, the financial system 155 may be processed in connection with at least one financial institution (eg, a commercial bank, a savings bank, a securities company, etc.) performing a lending service through a predetermined financial cooperative network. .

When the financial system 155 is provided on the money balance relay system providing the money balance relay service according to the present invention, the interface means 150 is on the financial system 155 and the money balance relay system. Preferably it comprises a communication means for connecting at least one server (or device) provided in.

According to another exemplary embodiment of the present invention, the financial system 155 may be provided in at least one financial institution affiliated with a cash balance relay system for providing a cash balance relay service according to the present invention (eg, In the case where the money lending brokerage service provider providing the money lending relay service according to the present invention is not able to perform lending or receiving work in accordance with the related laws, or provides lending services related to the lending money lending through a financial institution; In this case, the financial system 155 corresponds to a financial computer system provided in a predetermined financial institution affiliated with the money lending relay system.

When the financial system 155 is provided in at least one financial institution affiliated with a cash balance relay system for providing a cash balance relay service according to the present invention, the interface means 150 is connected to the financial system 155. And a dedicated communication network connecting at least one or more servers (or devices) provided on the cash balance relay system.

According to another exemplary embodiment of the present invention, a part of the financial system 155 may be provided on a money consumption balance relay system providing a money balance relay service according to the present invention (money consumption according to the present invention). If the money lending service provider that provides the loan relay service can directly carry out lending / receiving business in accordance with the related laws, but in accordance with the intention of the person skilled in the art, the lease and use of a part of the financial computer system provided in the conventional financial institution, Alternatively, if the money lending relay service provider cannot directly perform the receiving and receiving business in accordance with the related law, but other than the receiving and receiving business is possible), in this case, a part of the financial system 155 (eg, the external system) And an information system and an accounting unit) are provided on the money balance relay system, and the remaining portion (e.g., account system) It may be provided in a financial institution affiliated with a consumer loan relay system, whereby the present invention is not limited.

According to an embodiment of the present invention, when the financial system 155 is provided on the money lending relay system, the money consuming financial account and the customer deposit account corresponding to the money consuming customer are one integrated account. And / or operate as a separate account respectively opened in response to the money consumer, and / or the money consumer financial account is opened in the financial system 155 on the money balance relay system. It is an account, and the customer deposit account can all correspond to an account opened in a predetermined financial institution in the name of the customer, the consumer of the money, the present invention is not limited thereby.

In addition, when the financial system 155 is provided on the money lending relay system, the money consumer borrower financial account and the customer loan account corresponding to the money consumer borrower customer is operated as one integrated account, and / Or a separate account opened in correspondence with the cash consumer, or the borrower's financial account is an account opened in the financial system 155 on the cash balance relay system, and the customer loan account is a predetermined account. It is possible to all correspond to the account opened in the name of the consumer of the financial consumer in the financial institution of the present invention, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the financial system 155 is provided at a financial institution linked with the money consumption relay system, the money consumption loan financial account is opened at the financial institution. It may be a virtual account corresponding to the customer's consumer account in the connection with the mother account of the service provider, and / or a real account opened in the financial institution's customer name in the financial institution. The present invention is not limited by this.

In addition, when the financial system 155 is provided in a financial institution linked with the money balance relay system, the customer deposit account is opened in the financial institution linked with the money balance relay system in the name of the customer of the money consumer. It is possible to correspond to the opened account, or to an account opened in the name of the consumer of the money consumer in a financial institution other than the financial system 155 associated with the money lending relay system, whereby the present invention It is not limited.

In addition, when the financial system 155 is provided in a financial institution linked with the money lending relay system, the borrower's financial account is linked with the mother account of the money lending relay service provider opened in the financial institution. It may be a virtual account that is processed to correspond to the consumer accounting customer, and / or to a real account opened in the financial institution under the name of the consumer customer, and thus the present invention is not limited thereto. .

In addition, when the financial system 155 is provided in a financial institution linked with the money lending relay system, the customer loan account is opened in the financial institution linked with the money lending relay system under the name of the customer of the money consumer. It is possible to correspond to an account opened or an account opened in the name of the customer of the consumer of the money consumer in a financial institution other than the financial system 155 associated with the money lending relay system, whereby the present invention It is not limited.

Referring to FIG. 1, the information registration server 100 is a member of the member information D / when a predetermined money consumption customer terminal 170 accesses the information registration server 100 through a predetermined network means 165. Amount to be loaned to at least one money consumer by using the customer authentication unit 110 to authenticate the money consumer, in conjunction with B (160), and the money consumer customer terminal 170, when the money consumer customer authentication; An interface provider 105 for providing a money consumption condition input interface for inputting and providing money consumption condition information including at least one of a monetary condition, an interest rate condition, a term condition, and / or a monetary borrowing condition An information receiving unit 115 for receiving the money consumption condition information input through the money consumption condition input interface from the money consumption customer terminal 170; Consolidated processing of customer loan information on the consumer loan information corresponding to the consumer loan information and the received money consumer loan condition information and / or the money consumer loan condition information D / B (125) It is characterized by comprising an information storage unit 120 to be stored in).

In addition, the information registration server 100 is linked to the financial system 155 on the basis of the customer deposit account information included in the customer deposit information included in the money consumption condition information to the customer deposit account of the money consumer. Characterized in that it further comprises a deposit check unit 130 to periodically check whether the money consumption shareholders funds deposited.

It is preferable that the consumer of the consumer of the money to register as a member of the consumer of the money consumer through the member registration means (not shown) provided on the payment balance relay system for the money consumption balance relay service according to the present invention, the member In the registration process, the member information D / B 160 stores the money consumer's customer information, the money consumer's customer account information and / or the money consumer's money operation information (not shown).

When the consumer of the money consumer connects to the information registration server 100 through a predetermined consumer of money consumer terminal 170, the customer authentication unit 110 is linked to the member of the consumer money customer terminal 170, the member Based on the information stored in the information D / B (160) is characterized in that to perform a login (or money consumer membership authentication) procedure for the customer.

According to the method of the present invention, the customer authentication unit 110 in the process of performing the member authentication procedure for the consumer of the consumer, the money information corresponding to the consumer of the consumer from the member D / B (160) It is preferable that the consumer loan information and the money consumer loan customer account information is extracted, and the money consumer loan customer account information is a money consumer loan financial account in which the money consumer loan funds are operated in accordance with the money balance relay service according to the present invention. Information, and / or customer deposit account information in which the money-consuming shareholder funds are deposited.

The interface providing unit 105 is a money condition, interest rate conditions, periods for the money consumer loan funds to lend to at least one money consumer borrower through the money consumer loan relay service according to the present invention to the money consumer loan customer terminal 170 It is characterized in that it provides a monetary consumer agreement terms input interface for inputting and providing monetary consumer condition information including at least one condition and / or monetary consumer loan condition.

According to an embodiment of the present invention, when the money consumption customer terminal 170 is a wired terminal connected through a TCP / IP based wired network, the interface providing unit 105 may use a Hyper-Text Transfer Protocol (HTTP) protocol. Input the money consumer condition information including at least one predetermined money condition, interest rate condition, term condition and / or money consumer condition on the money consumer loan funds based on the money consumer loan client terminal 170; It is preferable to provide a cash consumer agreement terms input interface in the form of a Hyper-Text Markup Language (HTML) compatible document to the cash consumer customer terminal 170 through the wired network.

According to another exemplary embodiment of the present invention, when the money consumption customer terminal 170 is a wireless terminal connected through a CDMA-based wireless network, the interface providing unit 105 may use WAP (Wireless Application Protocol) and / or ME. Money consumption including at least one predetermined money condition, interest rate condition, term condition and / or money borrower condition for the money consumer loan funds in the money consumer loan client terminal 170 based on the Mobile Explorer protocol It is preferable to provide a money consumption agreement terms and conditions input interface in the form of Wireless Markup Language (WML) and / or HTML compatible document that can input the loan condition information to the money consumption loan customer terminal 170 through the wireless network. .

The information receiving unit 115 is a predetermined amount of money conditions, interest rate conditions, term conditions and / or money for the money consumer loan funds inputted from the money consumer customer terminal 170 through the money consumer agreement terms input interface Characterized in that the information receiving the consumer loan conditions including at least one consumer borrowing conditions.

The amount condition of the money consumer loan condition information corresponds to the money consumer loan funds corresponding to the total amount to be loaned to at least one money consumer by the money consumer loan relay service according to the present invention.

According to the method of the present invention, the amount of money conditional condition of the money consumption condition information further comprises a minimum amount of money condition and / or a maximum amount of money condition, if the minimum amount of money condition further includes, The amount condition corresponding to the sum of money consumer funds must be greater than the minimum amount condition, and if the amount condition further includes the maximum amount condition, the amount condition corresponding to the sum of money consumer money must be less than the maximum amount condition do. For example, when the minimum amount condition is 1,000,000 won, the amount corresponding to the cash consumer funds must be greater than 1,000,000 won, and when the maximum amount condition is 50,000,000 won, the amount corresponding to the money consumption shareholder funds must be less than 50,000,000 won do.

In addition, the monetary condition of the money consumption condition information further comprises a unit price condition, in this case, the amount corresponding to the monetary consumption capital must correspond to the unit price condition. For example, when the unit amount condition is 1,000,000 won, the amount corresponding to the cash consumption capital should be 1,000,000 units, the unit of 100,000 or less can be automatically cut.

The interest rate condition of the money consumer condition information corresponds to the interest rate for the loan amount when the money consumer loan funds are loaned to at least one money consumer through the money loan relay service according to the present invention.

According to the method of the present invention, it is preferable that the interest rate condition of the money consumption condition information provides a basis for calculating an expected return on the money consumption money.

The period condition of the money consumer condition information is a period during which the money consumer customer is provided with the money loan relay service according to the present invention, and / or the money consumer loan funds through the money loan loan service according to the present invention. And at least one of the periods lent to at least one borrower.

According to the implementation method of the present invention, during the period corresponding to the period condition of the money consumption condition information, the money consumer is not able to recover the money consumer money, or before the period condition In the case of recovering consumer loan funds, it is preferable to recover only the amount of money that is deposited in the customer deposit account without being loaned to the money consumer.

According to one embodiment of the present invention, if the term condition of the money consumer condition information includes a period during which the customer of the money consumer receives the money balance relay service according to the present invention, the term condition is the money consumer A date and time when the money consumption condition information is stored in the condition information D / B 125, and / or a date and time when the money consumption condition information is last updated in the money consumption condition information D / B 125; and / Or it is preferably applied based on at least one or more of the date and time when the consumer spending funds are deposited in the customer deposit account.

According to another embodiment of the present invention, if the term condition of the money consumer condition information includes a period of loaning the money consumer loan funds to at least one money consumer through the money consumer loan relay service according to the present invention. The term condition is a date and time for lending the money consumer loan funds to the first money consumer among the at least one money consumer borrower through the money consumer loan relay service according to the present invention, and / or at least one money loan for the money consumer loan funds. It is desirable to apply at least one or more criteria of the date and time of loan to the last monetary borrower.

The money consumer borrowing condition of the money consumer loan condition information includes money consumer borrowing information for designating at least one money consumer borrower (or money consumer borrower group) to which the money consumer borrows the money consumer loan funds.

According to the method of the present invention, the condition of the borrower of the money consumer loan condition information preferably includes credit information of the borrower (or the group of consumer loan borrowers) who can borrow the money consumer loan funds, The credit information is calculated on the money balance relay system based on external credit information provided from at least one credit rating agency based on the customer information of the consumer, and / or the delinquent information on the customer. At least one or more of the internal credit rating information.

In addition, the money consumer borrowing condition of the money consumer loan condition information is the money consumer (or money consumer) including the sex, age and residence of the money consumer borrower (or money consumer group) that can borrow the money consumer loan funds. Work (or occupation), annual salary (or yearly average expected revenue), and / or 4 of the money-consumer (or group of money-consumer) who may include the customer information of the group) and / or may borrow the money-consumer funds. It is desirable to include occupational information of the consumer of the consumer (or group of consumers of the consumer), including whether or not they have insurance coverage.

In addition, the money consumer borrowing condition of the money consumer loan condition information is a money consumer borrower for the at least one money consumer borrower to subscribe to a predetermined loan repayment guarantee insurance in order to borrow the money consumer loan funds ( Or the insurance consumer request information of the money consumer group), wherein the insurance consumer information borrows a predetermined borrowing amount corresponding to some or all of the money consumer loan funds. If the borrower fails to repay the principal and / or interest on the borrowed amount, instead of periodically paying the insurance payment during the borrowing period, the borrower's insurance and the borrower's borrowed amount and / or This includes repaying interest instead.

In addition, the money consumer borrowing condition of the money consumer loan condition information is a money consumer borrower (or money consumer borrower) requesting a certain collateral to the money consumer borrower to borrow the money consumer loan funds, at least one or more money consumer borrower And collateral request information, wherein the collateral request information includes at least one financial collateral for the borrower to borrow a predetermined borrowing amount corresponding to some or all of the loans to the consumer. Or non-financial security (or registered security).

According to the implementation method of the present invention, the financial collateral is the at least one account having the ability to provide collateral among the deposit (saving) account, the financial product account, the payroll account of the money consumer borrower is the money consumer loan fund And setting a security for borrowing a predetermined borrowing amount corresponding to some or all of the borrowings, and if the borrower fails to repay the principal and / or interest on the borrowing, Repayment of principal and / or interest on the borrowed amount in a savings account, financial instrument account, payroll account.

In addition, the non-financial security (or registered) collateral is at least one of the ability to provide collateral among at least one or more collateral, including real estate and / or motor vehicles for which the ownership and / or lease rights and / or use rights are recognized And the above-mentioned collateral items are set by the money-consuming borrower as collateral for borrowing a predetermined borrowing amount corresponding to a part or all of the money-consuming loan fund. And / or failing to repay interest, the payment of the principal and / or interest on the borrowed amount from the amount of disposal of the collateral.

According to another exemplary embodiment of the present invention, the money consumption condition of the money consumption condition information may further include at least one or more additional information according to the intention and / or implementation method of those skilled in the art, and thus the present invention is not limited thereto. No.

The information storage unit 120 is the money consumption condition information received through the information receiving unit 115 and the money consumer information extracted from the member information D / B 160 through the customer authentication unit 110 And / or store and store predetermined customer deposit information in the money consumption condition condition information D / B 125, wherein the customer deposit information includes the deposit amount information and the money consumption money deposit. It is preferable to include the customer deposit account information and / or the deposit confirmation information for confirming whether or not the amount corresponding to the money consumption loan funds are deposited in the customer deposit account.

According to the method of the present invention, the customer deposit information extracted from the member information D / B (160) through the money consumption condition information received through the information receiving unit 115 and the customer authentication unit (110) In the case where the information is processed in connection with the money consumer information and stored for the first time in the money consumer condition information D / B 125, the deposit confirmation information of the customer deposit information is not deposited in the customer deposit account. It is preferable to include information corresponding to the non-payment, and after confirming that the money consumption loan funds are deposited in the customer deposit account by the deposit confirmation unit 130, the deposit confirmation information of the customer deposit information is It is preferable to change (or update) the information corresponding to the deposit of the money consumer stock in the customer deposit account.

The deposit confirmation unit 130 is based on the customer deposit account information included in the customer deposit information when the deposit confirmation information of the customer deposit information corresponds to that the money consumption loan funds are not deposited in the customer deposit account; By interlocking with the financial system 155, it is characterized in that it periodically checks whether the money consumption stock funds included in the money consumption conditions conditions information is deposited into the customer account of the money consumer.

When the check result confirms that the money consumer loan funds included in the money consumer condition information is deposited in the customer account for the consumer of the money consumer, the deposit confirmation unit 130 checks the deposit confirmation information of the customer deposit information. The customer deposit account is characterized in that the change (or renewal) to the information corresponding to the money consumption loan funds are deposited.

According to an embodiment of the present invention, when the financial system 155 is provided on the money balance relay system, the result of the check indicates that the money consumption included in the money consumption condition information to the customer deposit account of the money consumption account. When it is confirmed that the loan funds are deposited, the deposit checking unit 130 may set a lock on the customer deposit account so that the money consumption loan funds deposited in the customer deposit account are not withdrawn at random.

According to another exemplary embodiment of the present invention, when the financial system 155 is provided at a financial institution linked with the cash consumption relay system, the result of the confirmation indicates that the money consumption condition information is transferred to the customer deposit account of the money consumption major. When it is confirmed that the money consumer loan funds included in the deposit, the deposit confirmation unit 130 is linked to the financial system 155 so that the money consumer loan funds deposited in the customer deposit account is not withdrawn arbitrarily It is desirable to set a lock on the deposit account.

According to another exemplary embodiment of the present invention, when the financial system 155 is provided at a financial institution linked with the cash consumption relay system, the result of the confirmation indicates that the money consumption condition information is transferred to the customer deposit account of the money consumption major. When it is confirmed that the money consumer loan funds included in the deposit, the deposit confirmation unit 130 is the money consumption loan relay service provided in the financial system 155 the money consumer loan funds deposited in the customer deposit account; It is preferable to transfer to the mother account of the provider, and / or to the financial consumer account of the consumer of the money consumer corresponding to the virtual account linked to the mother account.

Referring to FIG. 1, the information registration server 100 periodically extracts and reads money consumption condition information stored in the money consumption condition condition information D / B 125 and includes at least one money consumption including the same condition. Commodity information generation unit 135 for generating a product information for the borrower, and a predetermined product by linking the generated product information for the consumer and at least one customer for the consumer corresponding to the consumer target product It is characterized in that it comprises a product information storage unit 140, 120 to be stored in the information D / B (145).

The commodity information generating unit 135 extracts and / or classifies monetary consumer condition information including the same condition among at least one monetary consumer condition information stored in the monetary consumer condition information D / B 125. It is characterized in that for generating at least one financial consumer borrower target product information that can be selected by the consumer.

According to the exemplary embodiment of the present invention, the product information generation unit 135 includes at least one cash consumer condition having the same credit information as included in the money consumer condition of the money consumer condition information from the money consumer condition information DB. Extract the information.

Here, the money consumption condition information extracted by the commodity information generation unit 135 from the money consumption condition information DB is a result of confirming the deposit confirmation information included in the customer deposit information, the money consumption loan to the customer deposit account; It is desirable to include information on the terms and conditions on which the funds have been identified as having been deposited.

Thereafter, the commodity information generation unit 135 classifies at least one monetary consumer condition information including the same interest rate condition and the same period condition among the extracted monetary consumer condition information, and then classifies the monetary consumer condition. Generates predetermined product information for borrowers of borrowing money including an interest rate condition and a period condition corresponding to the information.

In addition, the product information generation unit 135 is the customer information and / or money consumer (or money consumer) of the same money consumer (or money consumer group) among the money consumer loan condition information classified based on the interest rate conditions and period conditions After categorizing the at least one monetary consumer condition information including the job information of the monetary consumer group in detail, the customer information and / or the same term conditions as the interest rate condition and / or the monetary consumer group (or the monetary consumer group); Alternatively, the predetermined product information about the target money consumer includes the occupation information of the money consumer (or the group of money consumer).

Alternatively, the product information generation unit 135 may include at least one insurance request information of the same money consumer (or money consumer group) among the money consumer loan condition information classified based on the interest rate condition and the period condition. After classifying the information on the condition of the loan of the consumer, information on the target goods of the consumer of borrowing including insurance request information of the same term and / or the term of the consumer of the money (or the group of the consumer of borrowing money) is generated. .

Alternatively, the product information generation unit 135 may include at least one or more money including security request information of the same money consumer borrower (or money consumer group) among the money consumer loan condition information classified based on the interest rate condition and the period condition. After subdividing the consumer loan condition information, a predetermined amount of money borrower-targeted merchandise information including the same period condition as the interest rate condition and / or collateral request information of the monetary borrower (or the monetary borrower group) is generated.

Those skilled in the art to which the present invention pertains include, in addition to the above-described method for generating product information on borrowing borrowers, the information on consumer spending information stored in the consumer loan condition information D / B 125 is included. Although various implementation methods for generating the product information for the consumer may be inferred based on at least one or more condition information, the present invention includes all the methods for generating the product information for the consumer inferred. The invention is not limited.

According to another exemplary embodiment of the present invention, the cash consumer's target product information may be arbitrarily generated by the cash consumer's loan relay service provider, and the generated cash consumer's target product information is added to the cash consumer's condition input interface. It is included and provided to the money consumer loan customer terminal 170, by selecting the product information for the consumer borrower in the money consumer loan customer terminal 170, the money consumer information information D / B (125) Money consumer loan condition information corresponding to the product targeted by the consumer borrower may be stored.

When the at least one product information for consumer consumption is generated as described above, the product information storage unit 140 and 120 may generate the information on the product for consumer consumption that is generated from the loan consumer condition information D / B 125. Extracts at least one customer information related to the money consumer information corresponding to the at least one financial consumer condition information, and links the generated money consumer object information and the at least one extracted money consumer information to the customer; And store the product information in the D / B 145.

According to the exemplary embodiment of the present invention, the product information generation unit 135 may include at least one piece of money consumption condition information corresponding to the generated money consumption borrower target product information from the money consumption condition information D / B 125. And extract the customer deposit information of the corresponding cash consumer, and link the processed money borrower target product information with the extracted at least one customer information and the customer deposit information with a predetermined product information D / B ( 145, which is not intended to limit the invention.

According to the present invention, after the product information D / B 145 generated and processed by the consumer information and the at least one customer information for the consumer, the predetermined information provided in the money consumer loan relay system It is characterized in that it is provided with a money balance loan service that lends money consumption stock funds corresponding to the money consumption condition information to at least one money consumption borrower through a money consumption balance relay server.

2A, 2B, and 2C are diagrams illustrating an information structure stored in the money consumption condition condition information D / B 125 for the money consumption relay service according to the present invention.

In more detail, Figures 2a, 2b and 2c is the money consumption condition information D / B 125 through the information registration server 100 shown in Figure 1 to provide a money balance relay service according to the present invention; 2A shows a preferred information structure for the money consumer information, and FIG. 2B shows the money consumer condition information D / B 125. FIG. 2C shows a preferred information structure for the money consumption condition information stored in the drawing, and FIG. 2C shows a preferred information structure for the customer deposit information stored in the money consumption condition information D / B 125. .

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 2a, 2b, and 2c, and omit the information stored in the cash consumption condition information D / B 125. It is possible to easily infer the information structure and / or the information structure to be added to each information according to the intention of the person skilled in the art, but the present invention includes all the information structures inferred above, and It is by no means limited to the implementation method shown in 2c.

Referring to FIG. 2A, the money consumer information includes account information including an ID and a password for verifying and logging in the money consumer customers in the money consumption relay system, and the financial system 155. At least one or more monetary consumer management number for managing the monetary consumer, and the name, resident registration number, address, contact (eg, phone number, mobile number, etc.), e-mail address, etc. of the monetary consumer. Characterized in that it comprises a personal information of the consumer, the consumer information stored in the consumer information condition D / B (125) is the consumer account information and / or money consumer management number And / or at least one or more of the consumer's personal information (eg, social security number, contact information, e-mail address). It is characterized by being carried.

The account information of the money consumer information customer identification and identification of the money consumer loan customer in a predetermined web server that is connected to communicate with the money consumer loan customer terminal 170 of the at least one component constituting the money consumption balance relay system; This includes the ID and password to confirm and perform the login procedure.

The money consumption control number of the money consumer information is provided on the money balance relay system according to the method of the present invention, and / or in the financial system 155 linked with the money balance relay system. It includes a unique number to identify and manage customers. For example, the money consumption management number may be a Customer Information File (CIF) number assigned to the money consumption customer in the financial system 155.

Referring to FIG. 2B, the money consumption condition information stored in the money consumption condition condition information D / B 125 includes an amount condition for money consumer loan funds that the money consumption customer lends to at least one money consumption borrower. And at least one of an interest rate condition, a term condition, and a financial consumer borrowing condition, wherein the financial consumer borrowing condition includes credit information of the financial consumer borrower (or the financial consumer group) to lend the financial consumer loan funds; And / or customer information about the consumer of the money (or group of borrowers of money) and / or occupational information about the consumer of the money (or group of borrowers of money) and / or the borrower of the loan. Insurance request information of the money-consuming borrower (or group of money-consuming borrowers) to be enrolled and / or said money-consuming borrower It preferably comprises a security request information of the borrower money spent (or money consumption Borrower Group) requesting a predetermined guarantee at least one.

Credit information of the borrower (or the consumer group) may include external credit information provided from at least one credit rating agency based on the borrower's customer information, and / or delinquent information of the borrower's customer. It is preferable to include at least one or more of the internal credit rating information calculated on the money consumption balance relay system based on.

The customer information of the money consumer (or money consumer group) preferably comprises at least one gender, age, and residence of the money consumer (or money consumer group) who can borrow the money consumer money. The occupational information of the borrower (or the consumer group) may include information about the job (or occupation), the annual salary (or the annual average expected revenue) of the borrower who may borrow the funds. And it is preferably made to include at least one or more four insurance.

The insurance request information of the borrower (or group of borrowers of the money) includes the insurance payment periodically during the borrowing period in which the borrower borrows a predetermined borrowing amount corresponding to some or all of the borrower's funds. Instead of making a payment, if the money-consuming borrower fails to repay the principal and / or interest on the borrowed amount, the loan repayment insurance shall repay the borrowed money and / or interest on the money-consuming borrower's behalf. Is done.

Mortgage request information of the borrower (or the consumer group) may include at least one financial collateral and / or non-financial collateral for the borrower to borrow a predetermined borrowing amount corresponding to some or all of the funds. (Or registered security).

Referring to FIG. 2C, the customer deposit information stored in the money consumption condition condition information D / B 125 may include the deposit amount information deposited by the money consumption customer to lend to at least one money consumer, and the money. Confirming that the customer deposit account information including at least one account number, bank, and account status corresponding to the customer deposit account for which the consumer loan funds are deposited, and the amount corresponding to the money consumer loan funds are deposited into the customer deposit account. Characterized in that comprises a deposit confirmation information for,

Preferably, the account number of the customer deposit account information includes a customer deposit account number in which the money consumption loan funds are deposited, and the bank of the customer deposit account information includes financial institution information in which the customer deposit account is opened. It is preferable to make it.

For example, when the financial system 155 in which the customer deposit account is opened is provided on the money balance relay system, the bank corresponds to the money balance relay service provider, and the customer deposit account is opened. When the financial system 155 is provided at a financial institution linked to the money consumption relay system, the bank corresponds to a financial institution equipped with the financial system 155.

For example, when the financial system 155 in which the customer deposit account is opened is provided on the money balance relay system, and a lock is set in the deposit amount deposited in the customer deposit account, the account status is "deposit." Lock ", wherein the financial system 155, in which the customer deposit account is opened, is provided at a financial institution linked with the money lending relay system, and the deposit amount deposited in the customer deposit account is the money lending relay system. When a transfer is made to a mother account (or a virtual account corresponding to the money consuming customer by being associated with the mother account), the account status corresponds to "parent account transfer."

In addition, the account status of the customer deposit account information preferably comprises a deposit state deposited in the customer deposit account, when the deposit amount is deposited in the customer deposit account, the deposit confirmation information is "deposited" If the deposit amount has not yet been deposited in the customer deposit account, the deposit confirmation information corresponds to "not deposited".

3A and 3B are diagrams illustrating a process of registering information of a consumer of money for a money consumption relay service according to the present invention.

In more detail, Figures 3a and 3b are the amount of money, interest rate conditions, term conditions for the money consumer funds from the money consumer customer terminal 170 through the money consumer information registration system shown in FIG. And / or a method of implementing an information registration process of receiving and storing information on consumer loan condition information including at least one or more money consumer loan condition in the predetermined money consumer condition information D / B 125. Those skilled in the art to which the invention pertains may refer to and / or modify the drawings 3a and 3b from at least one cash consumer customer terminal 170 for the money balance relay service according to the present invention. Although it may be possible to infer the implementation method for various information registration processes for receiving and storing the information on the consumption conditions of the consumer according to each implementation method. The present invention encompasses all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 3A and 3B.

3A and 3B, the information registration server 100 is referred to as a "server" for convenience, and the money consumption customer terminal 170 is referred to as a "customer terminal" for convenience.

Referring to FIG. 3A, when a predetermined money consumer visits the server through a network corresponding to a predetermined customer terminal and logs in as a cash consumer (300), the server is connected to the money consumer login information (for example). In accordance with the money consumer's customer authentication procedure based on the money consumer's ID and password) (305), if the money consumer's customer authentication is confirmed (310), the server is the member information D / B ( 160, the money consumer information and the money consumer account information is extracted from the customer (315).

Thereafter, the server receives money from the client terminal for inputting the money consumption condition including at least one or more of the money condition and / or interest rate condition and / or period information and / or the money consumer information. In operation 320, it is checked whether a consumption-rent condition input interface is requested.

By requesting the cash consumption condition input interface from the customer terminal to the server through a network (330), when it is confirmed that the customer terminal requests the money consumption condition input interface from the server (325), the server The cash consumption condition input interface is provided to the customer terminal through a network (335), and it is checked whether predetermined money consumption condition information is received from the customer terminal through the network (340).

In the customer terminal provided with the cash consumer condition input interface, a predetermined money consumption condition information is input through the cash consumer condition input interface and transmitted to the server (345). When it is determined that the money consumption condition information is received (350), the server deposits the customer deposit included in the money consumption condition condition information received from the customer terminal and the customer account information extracted from the member information D / B 160. Generate predetermined customer deposit information based on the account information (355), and the cash consumption condition information D / B (125) by linking the money consumption condition information, the money consumption customer information and the customer deposit information in connection; (360).

According to the method of the present invention, the deposit confirmation information included in the customer deposit information preferably corresponds to "not deposited" including the deposit amount not yet deposited in the customer deposit account.

Referring to FIG. 3b, after the money consumption condition information, the money consumption customer information and the customer deposit information are stored in the money consumption condition information D / B 125 as described above, the server deposits the customer deposit account. In connection with the financial system 155 corresponding to the check whether the customer deposit is deposited to the customer deposit account (365), if the customer deposit is deposited into the customer deposit account (370), the server is the customer deposit Generate customer deposit information (e.g., customer deposit information corresponding to the deposit confirmation information of the customer deposit information is "deposited") including the deposit of the customer deposit into an account (375); In connection with processing the consumer information of the consumer and the customer deposit information to the consumer loan condition information D / B (125) (380), and then the money It is preferable to provide a money balance relay service that lends money consumption loan funds corresponding to the money consumption condition information to at least one money consumption borrower through a predetermined money consumption balance relay server provided in the loan balance system. .

FIG. 4 is a diagram illustrating a configuration of information on goods subject to borrowing by a consumer who is stored in the product information D / B 145 for a money consumption loan relay service according to the present invention.

In more detail, Figure 4 is a cash consumption borrower-targeted product stored in the product information D / B 145 through the information registration server 100 shown in Figure 1 to provide a cash consumption loan relay service according to the present invention As a method of implementing information configuration, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 4 and store the money in the product information D / B 145. The information structure omitted for convenience to the borrower target product information, and / or the information structure to be further added to the money-consuming borrower target product information according to the intention of the person skilled in the art can be easily inferred, but the present invention can infer all the information structures inferred. It is not limited to the implementation method shown in FIG.

Referring to FIG. 4, the product information for the consumer of the borrower may include credit information of the customer of the customer who can use the product targeted for the consumer of borrowing money, information on the product name of the consumer who owns the product targeted for each consumer of the consumer, and And interest rate information for the product information targeted for the borrower of the money and borrowing period information for the product information targeted for the borrower of each money.

The credit information of the product information targeted for the consumer of borrowing money corresponds to the credit information information of the customer of the consumer of money who uses the product information targeted for the consumer of borrowing, and the product name information of the product information targeted for the consumer of borrowing money is the product information D / B. Corresponds to the name of the product targeted by the consumer of the consumer for identifying the specific product information of the borrower from among the plurality of information items targeted by the consumer.

In addition, the interest rate information of the product information targeted for the consumer of borrowing money corresponds to the interest rate condition included in the at least one money consumption condition information extracted from the money consumption condition information D / B (125), the target for the consumer money borrower The borrowing period information of the commodity information corresponds to the period information included in the at least one money consumption condition information extracted from the money consumption condition information D / B 125.

According to the present invention, the product information targeted for the borrower of the money may include insurance request information for confirming whether the customer corresponding to the credit information needs to purchase insurance for use of the product targeted for the consumer; and / or It further comprises a security request information for confirming whether or not the borrower customer corresponding to the credit information to set up a collateral in order to use the target product for each consumer borrower.

The insurance request information of the product information targeted for the consumer of borrowing money is the consumer of the money consumer borrowing condition (or the money consumer borrowing condition included in the at least one money consumer loan condition information extracted from the money consumer loan condition information D / B 125). Corresponding to the insurance request information of the borrower group, and the collateral request information of the product information for the borrower is included in the at least one loan condition information extracted from the loan consumer condition information D / B (125) Corresponds to the collateral request information of the borrower (or group of borrowers of the consumer) under the presumed borrower's terms.

According to another exemplary embodiment of the present invention, the cash consumer's target product information includes the money of the borrower's condition included in the at least one consumer's condition information extracted from the money consumer's condition information D / B 125. It may further include information corresponding to the customer information of the consumer (or money consumer group) and / or occupation information of the consumer (or money consumer group), thereby not limited to the present invention.

FIG. 5 is a diagram illustrating a process of generating and registering product information on a borrower for money consumption for a money lender relay service according to the present invention.

In more detail, Figure 5 is a cash consumer information registration system shown in Figure 1, through the process shown in Figures 3a and 3b through the process shown in Figure 3a and the predetermined amount of money consumer from the customer terminal 170 After the condition information is received and / or the received money consumption condition information is stored in the money consumption condition information D / B (125), the credit information of a specific money consumer borrower customer based on the money consumption condition information; As an exemplary embodiment of the present invention, a method of generating at least one item of target consumer information corresponding to the consumer and storing the same in the predetermined product information D / B 145 is shown. Grow, refer to and / or modify the present Figure 5 information on at least one or more money consumer for the money consumer loan relay service according to the present invention Would be able to infer a variety of exemplary methods of storing the generated, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 5.

5, the information registration server 100 is referred to as a "server" for convenience, and the money-consuming customer terminal 170 is referred to as a "customer terminal" for convenience.

Referring to FIG. 5, the server checks whether to generate the product information on the subject of borrowing money according to the present invention (500). It is preferably made periodically in accordance with a predetermined policy to generate goods information for the consumer borrower provided in the (not shown), and / or predetermined customer information for the consumer money is received from the predetermined consumer money client terminal 170 or , And / or when updated, it is preferable to perform the information to be received and / or renewed money consumer loan condition information in any one of the money consumer borrower target product information.

If the check result, the process for generating the product information for the target consumer of the money according to the present invention should be performed (505), the server selects the credit information of the customer for the consumer of the financial consumer for generating the product information of the target consumer (510) In operation 515, the at least one financial consumer condition information including the credit information of the selected borrower customer is extracted from the financial consumer condition information D / B 125.

Thereafter, the server classifies the extracted at least one monetary consumption condition information based on at least one monetary consumer target product information generation criterion (520).

According to an embodiment of the present invention, it is preferable that the server classifies at least one or more money consumption condition information including the same interest rate condition and the same period condition among the extracted money consumption condition information.

The server may further include customer information of the same money consumer (or money consumer group) and / or money consumer (or money consumer group) among the money consumer condition information classified based on the interest rate condition and the period condition. It is preferable to classify at least one monetary consumer condition information including job information in detail.

Alternatively, the server may include at least one loan condition information including insurance request information of the same money consumer (or money consumer group) among the money consumer condition information classified based on the interest rate condition and the period condition. It is preferable to classify in detail.

Alternatively, the server may include at least one monetary loan condition information including the security request information of the same monetary borrower (or monetary borrower group) among the monetary loan condition information classified based on the interest rate condition and the term condition. It is desirable to classify.

If the extracted at least one cash consumer condition information is classified based on at least one item for generating consumer borrower information, the server may include at least one corresponding to the classified money consumer condition information. Generating at least one item of information on the object of borrowing money by the consumer, corresponding to the at least one item of information on the object of borrowing from the consumer, based on the information on the condition of consumption of the consumer; Extracting at least one or more money consumer information associated with the money consumer condition information corresponding to the generated consumer goods information on the consumer loan condition information D / B 125 (535); Predetermined goods by linking the product information targeted by the consumer of the borrower and the at least one extracted consumer information of the consumer The information is stored in the D / B 145 (540).

According to the exemplary embodiment of the present invention, the process of linking the product information of the consumer of the borrower and the at least one customer information of the consumer of the consumer as described above and storing the product information in the predetermined product information D / B 145 may be performed. It is preferable that the product information to be consumed by the borrower is repeated until it is stored in the product information D / B 145 (545).

If all of the generated product information on the consumer's borrower is processed in association with at least one customer's information on the consumer's money, the product information is stored in the product information D / B 145 (545), and the server applies to the consumer's customer. In operation 550, the product information generation and storage process is performed in response to all of the borrower customer credit information.

If it is confirmed that the process of generating and storing the product information for the consumer of the borrower has not been performed in response to all the borrower customer credit information (555), the server corresponds to the customer of the consumer credit information of the other consumer. Repeats the process of creating and storing the target product information.

6 is a diagram showing the configuration of a cash consumption balance relay system according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates that at least one financial consumer borrower requests at least one financial consumer loan service through a predetermined financial consumer customer terminal 650, the at least one financial consumer borrower to the financial consumer customer terminal 650. FIG. Requesting to provide and select target product information, and selecting a predetermined target for the target consumer of the cash consumer from the cash consumer customer terminal 650, at least one money consumer's funds associated with the target product information for the consumer; A method for implementing a money consumption balance relay system that lends to the customer the consumer of the money, as those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present figure 6 The implementation method of various cash consumer loan relay system based on product information for all consumers Would be able, in the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 6.

In FIG. 6, a means and / or a functional configuration for providing a cash balance relay service according to the present invention at the cash balance relay service provider side will be described as "a cash balance relay server 600" for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, the money lending relay system according to the present invention includes a money consuming customer terminal 650 used by at least one money consuming borrower, the customer terminal and a predetermined network. A database for storing at least one information necessary for providing the cash balance relay server 600 and the cash balance relay server 600 connected through the means 165 and the cash balance relay server 600 according to the present invention. In addition, the cash balance relay server 600 is a predetermined interface with a predetermined financial system 155 for the processing of funds required in the process of providing a cash balance relay service according to the present invention. It is characterized in that it is linked through means (150).

The consumer terminal 650 may be a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or Or at least one wired terminal including a desktop computer and / or a laptop connected to the cash balance relay server 600 through a cable communication network, and / or based on Code Division Multiple Access (CDMA). At least one mobile communication terminal connected to the mobile communication network, and / or a portable Internet terminal connected to the IEEE 802.16 based high speed wireless internet, and / or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It characterized in that it comprises at least one or more wireless terminals, the consumer money consumer customer terminal 650 is the gold A function for outputting at least one or more interface screens provided by the all-consuming balance relay server 600, and inputting and / or selecting at least one or more information through the interface screen to transmit to the cash balance relay server 600. It is desirable to have a configuration (e.g., a browser program and a communication function).

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the at least one customer terminal 650 corresponding to the wired terminal and / or the wireless terminal. Detailed description is omitted for convenience.

The cash balance relay server 600 comprises at least one means and / or a functional configuration for providing a cash balance relay service according to the present invention at the provider side of the cash balance relay service according to the present invention. The means and / or functional configuration may be at least one server (or device), and / or a program recorded on a recording medium provided in the server (or device) according to the intention of a person skilled in the art of practicing the present invention. 6 may be implemented, and means for providing the money balance relay service to a predetermined money balance relay server 600 for easily explaining the technical features of the present invention to those skilled in the art. Or illustrated as having a functional configuration, but by this means the present invention is not limited.

In addition, the cash balance relay server 600 is associated with at least one or more databases for providing a cash balance relay service according to the present invention, and / or at least one at the cash balance relay service provider side according to the present invention. It is characterized by including the above-described database, the database that may obscure the subject matter of the present invention in Figure 6 is omitted for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, the money balance relay server 600 for a money balance relay service according to the present invention is a member corresponding to at least one or more money consumer and / or money consumer. Member information D / B (160) for storing information, at least one or more money consumer borrower product information and at least one money consumer loan corresponding to the money consumer borrower target product for the money lending relay service according to the present invention Product information D / B (145) for storing and processing the customer information is provided.

The member information D / B 160 storing the money consumer member information includes the money consumer information for the money consumer who lends a predetermined amount to the at least one money consumer. And the intention and / or intention of a person skilled in the art to carry out the present invention, characterized in that the money consumer includes information on the customer account holder for operating and managing the loan of a predetermined amount to the at least one money consumer. According to the law related to the present invention, the member information D / B (160) is the contents of the contract concluded between the money consumer and the money consumer loan relay service provider (or terms and conditions) for the money consumer loan relay service according to the present invention. And / or at least the amount of money consumption stock corresponding to the money consumption loan relay service according to the present invention. Money including the at least one method and / or the rights and responsibilities of the money consumer and the money consumer loan service provider for the amount deposited by the money consumer in order to lend to the money consumer; Consumption loan fund management information (not shown) may be further included, and in addition, the member information D / B 160 storing the consumer loan member information may further include at least one or more information according to the intention of a person skilled in the art. .

According to the embodiment of the present invention, the money consumer loan account information is withdrawn the amount to borrow the money consumer loan funds to at least one money consumer borrower customer, the principal and / or interest repaid from the money consumer borrower customer It is preferable that the information is made to include the financial consumer's financial account information corresponding to the financial account deposited to the consumer's consumer, and / or the customer's deposit account information for the consumer of the money consumer deposits the money consumer loan funds; It is preferable to make it.

According to the method of the present invention, the principal and / or interest deposited into the financial consumer bank account is limited in the principal and / or interest reimbursed from the consumer of the financial consumer for the money lending relay service provider. It is desirable to deposit the amount.

The member information D / B 160 which stores the money consumer borrower member information includes money consumer information about the money consumer who borrows at least one money consumer loan fund, and the money consumer has at least one money. It includes a customer account information for money borrower to manage the borrowing of consumer loans, and the member information D / B according to the intention of the person skilled in the practice of the present invention and / or the law related to the present invention (160) is a contract (or agreement) and (or the terms and conditions of the agreement) and / or the money consumer borrower entered into between the money consumer and the money lender relay service provider for the money lender relay service in accordance with the present invention; Money for borrowing at least one or more money consumer loan funds in response to a money consumption loan relay service according to the present invention. Loan loan management information (not shown) including at least one method and / or the responsibility and obligations of the borrower for the loan amount to the borrowed amount, and in addition to the intention of the skilled person Accordingly, the member information D / B 160 that stores the money consumer borrower member information may further include at least one information.

According to an embodiment of the present invention, the customer may have borrowed (and / or redeemed) a predetermined borrowing amount from at least one or more money consumer through at least one or more money consumer through the money loan relay service according to the present invention. In this case, the money consumer borrower customer information preferably further includes delinquent information on the money consumer, whereby predetermined creditworthiness information for the customer may be calculated.

According to the embodiment of the present invention, the money consumer borrower customer account information manages the borrowed money borrowed from the at least one money consumer through the money consumer loan relay service according to the present invention, and the money It is preferable that the principal and / or interest repaid from the consumer borrower customer include the financial consumer finance account information corresponding to the financial account deposited to the money lender relay service provider, and / or the consumer of the money consumer. It is preferable that the borrowing amount borrowed from at least one financial consumer through the money consumer loan relay service according to the present invention includes customer loan account information of the customer who has deposited money.

The commodity information D / B 145 may include at least one or more money consumer's target commodity information generated on the basis of money consumer's product information received from at least one money consumer's customer terminal 170 and the money consumer; Characterized in that the at least one consumer data corresponding to the borrower target product is stored in a linked process.

According to the exemplary embodiment of the present invention, it is preferable that the product information targeted for the consumer of the money borrower is classified according to the credit information of the customer of the consumer of the money consumer and stored in the product information D / B 145, whereby the predetermined money consumer borrower. Is connected to the cash consumption balance relay server 600, the at least one cash consumer to provide from the product information D / B (145) to the money consumer based on the credit rating information of the customer. Product information is easily extracted.

The financial system 155 associated with the cash balance relay server 600 includes an account system for processing (or requested) credit services and / or receiving services generated during the cash balance relay service process according to the present invention; Information support services (e.g., requested or generated) in the course of the money lending relay service according to the present invention (e.g. withdrawal of the borrowed amount into the financial account of the money consumer, and / or confirmation of interest deposit from the money consumer) And / or an information system for processing the repayment of the borrowed amount from the money consumer, and the financial system 155 and the money consumption balance shown in FIG. An external system that provides communication connection and information transmission and reception between the server 600 and / or the money consumption balance management server that provides the money consumption balance relay service, and the money By having hypertrophic state and / or a unit for managing the account, including at least one or more financial accounts, and / or customer deposit account and / or customer accounts, such as accounts, loans corresponding to the borrower money consumption is characterized in that formed.

According to the method of the present invention, the financial system 155 is composed of at least one server (or device), and / or in the form of a program recorded on a recording medium provided in the at least one server (or device). It may be all implemented, and / or comprises a storage device provided in at least one or more servers (or devices), whereby the invention is not limited.

According to an exemplary embodiment of the present invention, the financial system 155 may be provided on a cash balance relay system providing a cash balance relay service according to the present invention (for example, a cash balance relay according to the present invention). A cash-consumption lending service provider providing a service is granted a financial company status to perform lending / receiving business pursuant to related laws, or provides a money-consuming lending relay service according to the present invention at a financial institution performing lending-receiving business. In this case, the financial system 155 may be processed in connection with at least one financial institution (eg, a commercial bank, a savings bank, a securities company, etc.) performing a lending service through a predetermined financial common network.

When the financial system 155 is provided on the money balance relay system providing the money balance relay service according to the present invention, the interface means 150 is on the financial system 155 and the money balance relay system. Preferably it comprises a communication means for connecting at least one server (or device) provided in.

According to another exemplary embodiment of the present invention, the financial system 155 may be provided in at least one financial institution affiliated with a cash balance relay system for providing a cash balance relay service according to the present invention (eg, In the case where the money lending brokerage service provider providing the money lending relay service according to the present invention is not able to perform lending or receiving work in accordance with the related laws, or provides lending services related to the lending money lending through a financial institution; In this case, the financial system 155 corresponds to a financial computer system provided in a predetermined financial institution affiliated with the money lending relay system.

When the financial system 155 is provided in at least one financial institution affiliated with a cash balance relay system for providing a cash balance relay service according to the present invention, the interface means 150 is connected to the financial system 155. And a dedicated communication network connecting at least one or more servers (or devices) provided on the cash balance relay system.

According to another exemplary embodiment of the present invention, a part of the financial system 155 may be provided on a money consumption balance relay system that provides a money consumption balance relay service according to the present invention (money consumption according to the present invention). If the money lending service provider that provides the loan relay service can directly carry out lending / receiving business in accordance with the related laws, but in accordance with the intention of the person skilled in the art, the lease and use of a part of the financial computer system provided in the conventional financial institution, Alternatively, if the money lending relay service provider cannot directly perform the receiving and receiving business in accordance with the related law, but other than the receiving and receiving business is possible), in this case, a part of the financial system 155 (eg, the external system) And information system and accounting unit) are provided on the money consumption relay system, and the remaining portion (for example, accounting system) Consumption may be provided in a financial institution affiliated with the balance relay system, to which the present invention is not limited.

According to an embodiment of the present invention, when the financial system 155 is provided on the money lending relay system, the money consuming financial account and the customer deposit account corresponding to the money consuming customer are one integrated account. And / or operate as a separate account respectively opened in response to the money consumer, and / or the money consumer financial account is opened in the financial system 155 on the money balance relay system. It is an account, and the customer deposit account can all correspond to an account opened in a predetermined financial institution in the name of the customer, the consumer of the money, the present invention is not limited thereby.

In addition, when the financial system 155 is provided on the money lending relay system, the money consumer borrower financial account and the customer loan account corresponding to the money consumer borrower customer is operated as one integrated account, and / Or a separate account opened in correspondence with the customer for the consumer of the money, or the borrower's financial account is an account opened in the financial system 155 on the money consumer loan relay system, and the customer loan account is It is possible to correspond to an account opened in a predetermined financial institution in the name of the customer of the consumer of the money, and thus the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the financial system 155 is provided at a financial institution linked with the money consumption relay system, the money consumption loan financial account is opened at the financial institution. It may be a virtual account corresponding to the customer's consumer account in the connection with the mother account of the service provider, and / or a real account opened in the financial institution's customer name in the financial institution. The present invention is not limited by this.

In addition, when the financial system 155 is provided in a financial institution linked with the money balance relay system, the customer deposit account is opened in the financial institution linked with the money balance relay system in the name of the customer of the money consumer. It is possible to correspond to the opened account, or to an account opened in the name of the consumer of the money consumer in a financial institution other than the financial system 155 associated with the money lending relay system, whereby the present invention It is not limited.

In addition, when the financial system 155 is provided in a financial institution linked with the money lending relay system, the borrower's financial account is linked with the mother account of the money lending relay service provider opened in the financial institution. It is possible to process a virtual account corresponding to the primary consumer of the money consumer and / or to correspond to a real account opened in the financial institution under the name of the consumer of the consumer of the consumer, thereby limiting the present invention. No.

In addition, when the financial system 155 is provided in a financial institution linked with the money lending relay system, the customer loan account is opened in the financial institution linked with the money lending relay system under the name of the customer of the money consumer. It is possible to correspond to an account opened or an account opened in the name of the customer of the consumer of the money consumer in a financial institution other than the financial system 155 associated with the money lending relay system, whereby the present invention It is not limited.

Referring to FIG. 6, the cash consumption balance relay server 600 connects a predetermined money consumption borrower customer terminal 650 with a communication channel for providing a money consumption balance relay service, and a money consumption borrower customer through the communication channel. The interface unit 610 for providing at least one interface screen to the terminal 650 and receiving at least one or more information corresponding to the interface screen from the money consumer customer terminal 650, and a predetermined money consumer customer terminal ( When the 650 is connected to the cash balance relay server 600 through the interface unit 610, the customer authentication unit 605 for authenticating the money consumer borrower customer in conjunction with the member information D / B (160) And, at the time of authenticating the customer of the consumer of the money, at least one piece of information on the target of the consumer of money corresponding to the creditworthiness of the customer of the consumer of money, from the predetermined product information D / B (145) The information extraction unit 615 to be extracted, and at least one item of the at least one financial consumer target product information extracted from the consumer terminal 650 through the interface unit 610 and the predetermined product to be targeted by the consumer; An information providing unit 620 providing an interface screen for selecting a target product for the consumer of the money, an information receiving unit 625 for receiving the selection information for the target consumer of the money from the customer terminal 650, and Money consumption balance relay section 630 to process the borrowing of money consumption loans of at least one cash consumer customer corresponding to the selected product information for the consumer borrower, and money consumption of the money consumption balance relay unit 630. In response to the balance relay result, the financial system 155 may be linked with the financial consumer's funds of the at least one selected consumer. And a funds processing unit 635 for withdrawing money from the consumer loan account (and / or the customer deposit account) and depositing the money to the customer loan account (and / or the consumer loan account) of the customer. It is done.

According to an exemplary embodiment of the present invention, the money consumption balance relay unit 630 borrows money consumption loan funds of the money consumption owner customer to at least one or more money consumer customers corresponding to the selected product information on the borrower. After the process of relaying so as to, it is preferable to generate predetermined money consumption balance information corresponding to the result of the money consumption balance, and after the money consumption history is generated, the money consumption relay server 600 Save information stored in the predetermined storage medium 645 by linking the predetermined cash consumer information and the at least one cash consumer information and the generated cash consumption history information corresponding to the result of the money balance relay; It is preferable to further provide the ledger 640.

According to another exemplary embodiment of the present invention, the funds processing unit 635 may withdraw the money consumer loan funds of the money consumer loan customer from the selected at least one money consumer finance account (and / or customer deposit account); After depositing into a customer loan account (and / or a financial consumer's financial account) of a consumer of a money consumer, it is preferable to generate predetermined money consumption history information corresponding to the result of the processing of the money, and the money consumption history information. After is generated, the cash balance relay server 600 processes the predetermined cash consumer information and the at least one cash consumer information and the generated cash consumption details information corresponding to the funds processing result. It is preferable to further comprise an information storage unit 640 to be stored in a predetermined storage medium 645.

The money consumer borrower customer is required to register as a money consumer borrower membership through the member registration means (not shown) provided on the money consumption balance relay system for the money consumption balance relay service according to the present invention, the member In the registration process, the member information D / B 160 stores the customer information of the borrower and the customer account information of the consumer of the consumer and / or the loan borrower management information (not shown).

The interface unit 610 is characterized in that for connecting the communication channel for providing the money consumption balance relay service according to the present invention between the money consumption balance relay server 600 and the money consumption borrower customer terminal 650, As a result, the cash consumption balance relay server 600 has a function of a web server connected to the cash consumption customer terminal 650.

According to an embodiment of the present invention, when the money consumer customer terminal 650 is a wired terminal connected through a TCP / IP-based wired network, the interface unit 610 may be connected to the money consumer customer terminal 650. Connect a predetermined communication channel based on the HTTP (Hyper-Text Transfer Protocol) protocol, the interface screen in the form of HTML (Hyper-Text Markup Language) compatible document to the cash consumer customer terminal 650 through the communication channel and And / or transmits and outputs an information providing screen, and receives and processes predetermined information corresponding to the interface screen from the cash consumer customer terminal 650.

According to another exemplary embodiment of the present invention, when the cash consumer customer terminal 650 is a wireless terminal connected through a CDMA-based wireless network, the interface unit 610 is connected to the cash consumer customer terminal 650 and the WAP. (Wireless Markup Language) and / or HTML to connect a predetermined communication channel based on a Wireless Application Protocol (ME) and / or a Mobile Explorer (ME) protocol and through the communication channel to the money consumer customer terminal 650. It is preferable to perform a function of transmitting and outputting an interface screen and / or an information providing screen in the form of a compatible document, and receiving and processing predetermined information corresponding to the interface screen from the cash consumer customer terminal 650.

According to another exemplary embodiment of the present invention, when the money consumer customer terminal 650 is a wireless terminal connected through an IEEE 802.16 based wireless network, the interface unit 610 is the money consumer customer terminal 650. And a predetermined communication channel are connected based on a wireless protocol corresponding to the IEEE 802.16 standard, and a predetermined interface screen and / or information providing screen is transmitted to the cash consumer customer terminal 650 through the communication channel. And receiving and processing a predetermined information corresponding to the interface screen from the cash consumer customer terminal 650, and / or the cash consumer customer terminal 650 based on DataTAC / Mobitex. In the case of a wireless terminal connected through a wireless network, the interface unit 610 is the consumer terminal 650 and the DataTAC / Mobite Connect a predetermined communication channel based on a wireless protocol corresponding to the x standard, transmit and output a predetermined interface screen and / or information providing screen to the cash consumer customer terminal 650 through the communication channel, It is preferable to perform a function of receiving and processing the predetermined information corresponding to the interface screen from the cash consumer customer terminal 650.

When the cash consumer borrower customer is connected to the cash consumption loan relay server 600 through a predetermined money consumer borrower customer terminal 650, the customer authentication unit 605 is linked with the cash consumer borrower customer terminal 650 Characterized in that the information on the information stored in the member information D / B (160) to perform the login (or money consumer borrower membership authentication) procedure for the customer.

According to the method of the present invention, the customer authentication unit 605 in the process of performing the member authentication procedure for the consumer money borrower customer money from the member information D / B (160) corresponding to the money consumer customer It is preferable that consumer borrower customer information and financial consumer account information is extracted, and the financial consumer account information includes the financial account information of the consumer, which manages the borrowing amount of the borrower customer, and / or the borrowing amount. It is preferable to include the customer loan account information that is loaned (or deposited) to the customer.

The information extracting unit 615 extracts at least one item of financial consumer data corresponding to the creditor information of the consumer of the consumer, from the product information D / B 145 at the time of authentication of the consumer of the consumer. The information providing unit 620 provides the extracted information on the subject of consumption by the borrower to the information providing unit 620.

The information providing unit 620 may include a list of the extracted product information for the consumer of the borrower, and an interface screen for the payment consumer to select predetermined information for the consumer of the consumer. It generates, and provides the generated interface screen to the cash consumer customer terminal 650 through the interface unit 610.

The information receiving unit 625 may be configured to receive predetermined product selection information for money consumption borrowers from the money consumer application terminal 650, and in the process of receiving the product selection information for money consumption borrowers. Preferably, the borrower customer terminal 650 further includes information about borrowing amount to be borrowed from at least one financial consumer based on the information on the target product of the borrower.

The cash consumer loan relay unit 630 may include at least one or more items corresponding to the selected financial consumer's target product information and / or borrowed money information based on the selected financial consumer's product information and / or borrowed amount information of the consumer terminal 650. Characterized in that the relay process to borrow the borrowed amount of the money consumer borrower customer from the money consumer loan customer.

According to the exemplary embodiment of the present invention, the money consumption balance relay unit 630 may calculate at least one or more amounts to be borrowed from the selected at least one money consumption customer among the money consumption borrower customers.

In addition, the money consumption balance relay unit 630 is the money consumer loan financial account information (and / or customer deposit account information) for the money consumer loan customer from the money consumer loan customer account information associated with the money consumer loan customer information It is preferable to extract, and from each of the at least one financial consumer borrower customer account information associated with at least one or more financial consumer borrower information associated with the selected at least one financial consumer condition information, It is desirable to extract customer loan account information (and / or financial consumer finance account information).

Subsequently, the cash consumption balance relay unit 630 acquires a respective amount of money calculated to be borrowed from each money consumer in response to the selected at least one money consumer. Withdrawal from the consumer loan financial account (and / or the customer deposit account), characterized in that the processing to be deposited into the customer loan account (and / or consumer loan financial account) for the consumer consuming customer, for this purpose The consumption balance relay unit 630 may provide respective amounts of information calculated to be borrowed from the at least one selected financial consumer, and at least one financial consumer account information (and / or a customer) for the selected at least one financial consumer. Deposit account information) and customer loan account information (and / or money consumer money) for the consumer; Account information), it characterized in that it generates a cash balance consumption history information that includes.

According to an embodiment of the present invention, the amount of money information calculated to be borrowed from the at least one cash consumer by the cash consumer balance relay unit 630, and for the at least one cash consumer customer Generates money consumption balance information, including financial consumer information (and / or customer deposit account information) and customer loan account information (and / or financial consumer financial account information) for the consumer. When the information storage unit 640 processes the selected at least one cash consumer information and the borrower customer information and the generated money consumption detail information, the information storage unit 640 stores the information on the predetermined storage medium 645. It is preferable.

The money processing unit 635 based on the money consumption balance relay result processed by the money consumption balance relay unit 630 and / or the money consumption balance detail information generated by the money consumption balance relay unit 630. The money consumption loan financial account of each money consumption loan customer, the amount calculated to be borrowed by at least one or more money consumption loan customers of the borrowed amount by the money consumption balance relay 630 in conjunction with the financial system 155. (And / or withdrawal from the customer deposit account), and the funds processing procedure for depositing each withdrawal amount into the money-consuming borrower financial account of the customer.

According to an embodiment of the present invention, when the financial consumer's financial account of the consumer and the consumer's financial account of the consumer is a virtual account corresponding to the mother account of the money consumer loan relay service provider, The financial system 155 interworking with the funds processing unit 635 withdraws each calculated amount from the virtual account corresponding to the financial consumer loan financial account and deposits the amount into the virtual account corresponding to the financial consumer borrowing financial account. It is preferable.

According to the method of the present invention, when the money-consuming borrower financial account and the customer loan account of the money-consuming borrower customer is managed and operated as a separate account, the money-consuming borrower customer is deposited into the money-consuming borrower financial account. It is desirable that money cannot be withdrawn in cash.

Thereafter, the funds processing unit 635 checks whether the amount of money deposited into the financial consumer borrower's financial account of the consumer of the cash consumer corresponds to the borrowing amount of the customer of the consumer of the financial consumer. If the amount of money withdrawn from a financial account (and / or a customer deposit account) and deposited into the money-consuming borrower's financial account is equal to the borrowing amount of the money-consuming borrower customer, the fund processing unit 635 may be transferred from the money-consuming borrower financial account. Withdraw the amount corresponding to the borrowed amount of the borrower customer of the money consumer is characterized in that the deposit to the customer loan account of the borrower customer.

According to an embodiment of the present invention, the financial consumer borrower's financial account is a virtual account corresponding to the mother account of the money lending relay service provider, and the customer loan account corresponds to the customer's borrower customer. In the case of a real account, the financial system 155 interworking with the money processing unit 635 withdraws the borrowed amount from the virtual account corresponding to the financial consumer loan financial account and deposits it into a customer loan account of the customer of the consumer of the money consumer. It is preferable.

According to the method of the present invention, the borrower customer can withdraw the borrowed money deposited in the customer loan account for a predetermined cash, and / or transfer to another financial account.

According to another exemplary embodiment of the present invention, the fund processing unit 635 is generated by the cash balance relaying result processed by the cash balance relay 630 and / or by the cash balance relay 630. With reference to the information on the loan history of the consumer, characterized in that the consumer of the consumer of the financial consumer can borrow the loan amount of the borrower of the consumer, characterized in that the customer information is secured.

As a result of the check, when the money consumer borrower who has secured all the money consumer loan customers to lend the borrowing amount of the money consumer borrower is identified, the fund processing unit 635 borrows the money consumer borrower customer by the money holding loan relay unit. Withdraw each of the amounts calculated for the borrower's customer to borrow from at least one of the consumer's financial account (and / or the customer's deposit account) of the at least one consumer who is set to borrow an amount; In addition, it is characterized in that the money processing procedure for depositing to the customer loan account (and / or financial consumer borrowing financial account) of the consumer money borrower customer.

According to the implementation method, the money processing unit 635 is linked to the financial system 155 at least one or more money consumer loan financial account (and / or customer deposit account) set to lend the borrowed amount of the customer money borrower customer It is preferable to withdraw the respective amount calculated to lend to the borrower's customer from the bank and to deposit the money to the borrower's financial account of the consumer. Financial account information (and / or customer deposit account information) of at least one financial consumer of the at least one financial consumer who lent the borrowed amount to the financial consumer is recorded.

Thereafter, the funds processing unit 635 withdraws the amount deposited from the at least one cash consumer loan financial account (and / or customer deposit account) to the money consumer borrowing financial account of the customer of the consumer of the money consumer. By depositing into a customer loan account, each amount calculated to be lent to the money consuming customer from at least one money consuming financial account (and / or customer deposit account) set up to lend the borrowing amount of the money consuming customer. A money processing procedure may be performed to withdraw money and deposit it to the customer loan account of the customer of the consumer.

7A and 7B are diagrams showing the structure of money consumption detail information according to an embodiment of the present invention.

In more detail, FIGS. 7A and 7B illustrate an implementation of cash consumption detail information generated by the cash consumption relay 630 and / or the money processing unit 635 of the cash consumption relay server 600. As a method, specifically, FIG. 7A relates to the structure of the money consumption history information generated by the money balance relay unit 630, and FIG. 7B relates to the structure of the money consumption detail information generated by the fund processing.

Those skilled in the art to which the present invention pertains, at least one or more information omitted to be expected to obscure the gist of the present invention in the structure of the cash disbursement details with reference to the drawings 7a and 7b, and / Alternatively, according to the intention of the person skilled in the art, it is possible to infer various information configurations further added to the structure of the cash consumption history information, but the present invention includes all the information configurations inferred, and is shown in the figures 7a and 7b. It is not limited to the method.

Referring to FIGS. 7A and 7B according to an exemplary embodiment of the present invention, the money consumption detail information may include money consumption detail information associated with predetermined payment consumer interlock information and the selected at least one money consumption linked information. And the financial consumer loan detail information associated with the financial consumer borrowing condition information, the financial consumer borrowing condition information and the financial consumer borrower financial account information (and / or customer loan account information) and the financial consumption information. It is preferable to include the payment history information for the borrower financial account information (and / or customer loan account information), the monetary consumer loan details information and the money consumer loan financial account information (and / or customer deposit account information) and It includes the withdrawal history information for the financial consumer financial account information (and / or customer deposit account information) Be formed is preferred.

Referring to (a) of FIG. 7a and (b) of FIG. 7b, the information on the borrower's details of the loan history information includes ID information and / or money consumption of each customer who is selected to lend the borrowed amount. The information includes the borrower linked information including at least one borrower management number, whereby the borrower history information of the loan history information is processed in association with at least one customer information.

In addition, the financial borrower history information of the loan history information, characterized in that it comprises the information on the financial consumer borrowing conditions including at least one or more of the money condition, interest rate conditions and / or term conditions registered by the customer of the consumer of the money. do.

In addition, the information on the borrower history information of the loan history information is the account number and the borrowing amount of the account (for example, in the present invention) to which the amount withdrawn from the money consumer loan account (and / or customer deposit account) The total amount of money to be withdrawn from the at least one cash consumer financial account (and / or customer deposit account) and deposited into the account through the money consumption balance relay service and the amount secured in the account (e.g., the money according to the present invention). Loan financial account information (and / or customer loans) that includes at least one or more amounts that are withdrawn from and deposited into the account through the consumer loan relay service (and / or the customer deposit account). Account information).

According to the implementation method of the present invention, the borrowing amount of the financial consumer borrower financial account information (and / or customer loan account information) included in the financial consumer borrowing history information, the money consumer borrower corresponding to the account number, the present invention It is preferable to include the total amount to be borrowed from at least one financial consumer loan customer through a cash consumer loan relay service according to the following, and the financial account borrower financial account information (and / or customer loan account) included in the financial consumer borrowing history information Information) secured amount, preferably comprises a total amount borrowed from the at least one money consumer loan customer through the money consumer loan relay service according to the present invention.

In addition, the financial consumer borrowing history information of the cash consumption loan history information includes the money consumption borrower including a deposit date and time and a deposit amount of a predetermined amount is deposited into the financial consumer borrower financial account information (and / or customer loan account information) Characterized in that the payment history information for the financial account information (and / or customer loan account information).

According to the implementation method of the present invention, the deposit date and the amount of the deposit history information included in the borrower history information is shown in the (b) of Figure 7a and / or (b) of Figure 7b. It is preferable that the withdrawal date and time of the withdrawal information included in the withdrawal match.

In addition, the deposit amount of the deposit history information included in the information on the borrower history information is preferably made to include the amount calculated to borrow from at least one consumer account customer corresponding to the withdrawal account number.

Referring to (b) of FIG. 7a and (b) of FIG. 7b, at least one of the money consumer information of the money consumption history information includes at least one ID information and / or a money consumer management number of the customer. Includes the information, such as the consumer spending information, such that the consumer information of the consumer loan balance information is processed in conjunction with the predetermined customer information of the consumer loan.

In addition, the financial consumer information of the consumer loan balance information is at least one of the withdrawal account number, the total amount of money deposited in the withdrawal account and the total amount of money, and the total amount of money deposited borrower Characterized in that it comprises the financial consumer's financial account information (and / or customer deposit account information) including at least one balance remaining to lend to the customer.

In addition, the information on the financial consumer's loan balance information of the consumer's loan balance information information includes the at least one withdrawal date and withdrawal amount of the withdrawal from the withdrawal account (and / or customer deposit account information) Characterized in that comprises a withdrawal history information for.

According to the method of the present invention, the account number of the financial consumer's financial account information (and / or the customer's deposit account information) included in the financial consumer's history information is shown in (a) and / or (b) of FIG. It is preferable to correspond to the withdrawal account number included in the deposit history information of the money consumption borrower history information shown in a).

Referring to (a) of FIG. 7A corresponding to the amount of money consumed borrower details of the amount of money consumed by the cash balance relay 630, the money balance is relayed by the money balancer 630. When generating the loan balance information, the calculated amount is withdrawn from at least one financial consumer bank account (and / or a customer deposit account) and the deposit account (e.g., a financial consumer bank account of a consumer of money consumer) (and / or Or a customer loan account)), the deposit date and time included in the deposit history information of the borrower history information is characterized in that it is treated as a blank.

Referring to (b) of FIG. 7a corresponding to the money consumption stock history information of the money consumption history information generated by the money consumption balance relay unit 630, the money consumption balance relay unit 630 provides the money. Since the amount calculated to lend to at least one cash consumer customer from the cash consumer financial account (and / or customer deposit account) was not withdrawn at the time of generating the loan balance information information, the withdrawal history of the cash consumer history information The withdrawal date and time and withdrawal amount included in the information are treated as blanks.

Referring to (a) of FIG. 7b corresponding to the money consumption borrower history information of the money consumption history information generated by the money processing unit 635, when the money processing history information is generated by the money processing unit 635; And withdrawal of the calculated amount from at least one money consumer loan financial account (and / or customer deposit account) such that the deposit account (e.g., a money consumer finance account (and / or customer loan account) of a customer of a money consumer). The deposit date and the amount of the deposit included in the deposit history information of the borrower's history information are processed to the withdrawal date and the amount of withdrawal of the withdrawal information shown in (b) of FIG. 7b. It is characterized by.

Referring to (b) of FIG. 7B corresponding to the money consumption notes details information of the money consumption details generated by the money processing unit 635, when the money consumption details are generated by the money processing unit 635. And withdrawal of the calculated amount from at least one money consumer loan financial account (and / or customer deposit account) such that the deposit account (e.g., a money consumer finance account (and / or customer loan account) of a customer of a money consumer). Since the amount of money is deposited in the bank account, the balance included in the bank account information (and / or customer deposit account information) of the consumer spending history information is deducted by the amount withdrawn, the withdrawal date of the withdrawal history information And the date and time at which the calculated amount is withdrawn from the loan financial account information (and / or the customer deposit account information).

FIG. 8 is a diagram illustrating a process of selecting a product targeted by a consumer of money for a consumer loan relay service according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates a selection interface of at least one financial consumer who corresponds to the credit consumer's creditworthiness to the cash consumer's customer terminal 650 through the cash consumer loan relay system shown in FIG. To provide a method for receiving the predetermined product selection information and / or borrowing money information from the consumer, the consumer terminal 650, and the borrower, as shown in the technical field to which the present invention pertains. Those skilled in the art can refer to and / or modify the drawing 8 to infer various implementation methods for the process of selecting the target product for the borrower for money lending services according to the present invention. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

8, the cash consumption balance relay server 600 is referred to as a "server" for convenience, and the cash consumption customer terminal 650 is referred to as a "customer terminal" for convenience.

Referring to FIG. 8, when a predetermined money consumer borrower accesses the server through a network corresponding to a predetermined customer terminal and logs in as a cash consumer qualification (800), the server receives the money borrower login information (eg, The consumer's credit card customer authentication procedure is performed based on the user's ID and password (step 805). If the customer's authentication is verified (810), the server requests the member information D / B. In operation 815, the money consumer information is extracted from the customer.

Thereafter, the server may include at least one item of money consumption and / or interest rate conditions and / or period information on the amount of borrowing that the money consumer borrows from the at least one money consumer, from the customer terminal. In operation 820, it is determined whether a product selection interface targeted for the consumer of money is requested for selection.

By requesting the cash consumer's target product selection interface from the client terminal to the server through a network (830), when the server determines that the client terminal requests the cash consumer's target product selection interface (825), the The server verifies and / or calculates credit information of the consumer of the money consumer (835).

According to an embodiment of the present invention, credit information for the consumer of the money consumer is extracted from the member information D / B 160, and / or provided from a predetermined credit rating agency, and / or the consumer of the money consumer. All can be calculated based on the delinquent information of the customer, whereby the present invention is not limited.

After verifying and / or calculating the credit information of the customer for the consumer of the money, the server determines the at least one product for the borrower corresponding to the credit information of the customer of the consumer of the money from the product information D / B 145. A predetermined money consumer including an interface for extracting information (840) and selecting at least one item of information on the target item for borrowing money from the consumer and the information on the product for payment from the borrower; A target product selection interface is generated (845), and the generated cash consumer target product selection interface is transmitted to the customer terminal through a predetermined network and output as shown in FIG.

The customer terminal selects the predetermined product information for the target of the borrower to be used by the customer of the consumer, through the product selection interface targeted for the consumer of the money, and generates the product information for selection of the target for the consumer of the money; 855) If the predetermined product selection information for the target consumer is received from the customer terminal (860), the server is the target product for the consumer consumption corresponding to the target product selection information to the consumer, as shown in Figure 10; Providing money consumption loan relay service based on information.

According to an exemplary embodiment of the present invention, the customer terminal generates at least one money consumer borrower target product selection information through the money consumer borrower target product selection interface, wherein the at least one money consumer borrower customer is at least one money consumer. It is preferable to further input predetermined borrowing amount information to be borrowed from, so that the borrowing amount information is further included in the money consumption target product selection information received from the customer terminal to the server.

According to another exemplary embodiment of the present invention, the borrowing amount information may be transmitted to the server separately from the customer terminal irrespective of the product selection information for the borrower of the money consumption, and thus the present invention is not limited thereto.

9 is a diagram illustrating a product selection interface for money consumer borrowers according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates an example of a product selection interface for money consumer borrowers provided by the money consumer loan relay server 600 to a predetermined customer account consumer terminal 650. In the art to which the present invention pertains, FIG. Those skilled in the art can refer to and / or modify this drawing to infer an implementation method for various types of money consumer target product selection interfaces corresponding to the information included in the information on the product targeted by the consumer. However, the present invention includes all kinds of implementation methods inferred from the above, and is not limited by the implementation method shown in FIG.

For example, FIG. 9 illustrates a cash consumer's target product selection interface corresponding to the money consumer's target product information shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, the cash consumer's target product selection interface may include a borrowing request amount corresponding to a borrowing amount that the borrower's customer intends to borrow from at least one non-cash owner. It is preferable to include an interface for input.

Referring to FIG. 9, the cash consumer's target product selection interface may include financial consumer's brand name information, interest rate information, and borrowing period for at least one of the consumer's product information. Characterized in that it comprises information.

The product name information included in the product selection interface targeted for the consumer of the money is the product targeted for the consumer in order to identify the product information specific to the consumer of the plurality of money consumer objects stored in the product information D / B 145. Corresponds to the name.

In addition, the interest rate information included in the product selection interface targeted at the consumer money borrower corresponds to the interest rate information included in the product information targeted at the consumer debt borrower, and the borrowing period information of the product selection interface targeted at the money consumer borrower is subject to the money consumer borrower. Corresponds to the borrowing period information included in the product information.

According to the present invention, the cash consumer's target product selection interface may include insurance request information for confirming whether the cash consumer's customer needs to purchase insurance to use each cash consumer's target product, and / or the credit information. It is characterized in that it further comprises a security request information for confirming whether the corresponding customer for the consumer of the money to use the collateral to use the goods targeted by the consumer.

The insurance subscription request information included in the product selection interface for the money consumer borrower corresponds to the insurance subscription request information of the money consumer (or the consumer group) included in the product information for the consumer, and is for the consumer. The collateral request information included in the commodity selection interface corresponds to the collateral request information of the borrower (or the consumer group of the consumer) included in the product information targeted by the consumer.

According to another exemplary embodiment of the present invention, the cash consumer's target product selection interface may include customer information and / or money consumer's (or money consumer's group) included in the money consumer's product information. It may further include information corresponding to the occupation information of the money consumer group), whereby the present invention is not limited.

According to the present invention, the financial borrower target product selection interface is characterized in that it further comprises an analysis information, the analysis information is the financial consumer borrower a variety of analysis information necessary to select a specific financial consumer target product to provide.

According to an exemplary embodiment of the present invention, when the borrowing amount is borrowed during the borrowing period, the analysis information calculates and outputs an interest repayment amount that the money consumer must periodically repay based on the interest rate information. desirable.

If the insurance consumer's product selection interface includes insurance request information, the analysis information includes insurance to be subscribed to by the borrower's customer when the borrower subscribes to the insurance and borrows the borrowed money during the borrowing period. It is preferable to output the information, and based on the interest rate information, it is preferable to calculate and output the interest repayment amount to be periodically repaid and the insurance payment to be periodically paid after the insurance.

Alternatively, when the security request target product selection interface includes collateral request information, the analysis information may include at least one collateral necessary to borrow the borrowed amount during the borrowing period, and a collateral effective price. It is preferable to output information, and if the borrowed amount is borrowed during the borrowing period based on the collateral, calculating and outputting an interest repayment amount that the money consumer must periodically repay based on the interest rate information. desirable.

FIG. 10 is a diagram illustrating a process of providing a money consumption balance relay service through a product targeted for a consumer of money according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a money consumption balance relay server 600 that receives product selection information and borrowing amount information for a predetermined amount of money borrowing customers from a predetermined amount of money borrowing customer terminals 650 through the process illustrated in FIG. 8. ), Showing a method for providing a cash consumption loan relay service on the basis of the received product selection information and borrowing amount information received by the consumer, having a general knowledge in the technical field to which the present invention belongs Growing, it will be possible to infer various implementation methods for the process of providing the money balance relay service according to the present invention by referring to and / or modifying the drawing 10, the present invention includes all the implementation methods inferred above, It is not limited to the implementation method shown in FIG.

10, the cash consumer loan relay server 600 is referred to as a "server" for convenience, and the cash consumer customer terminal 650 is referred to as a "customer terminal" for convenience.

Referring to FIG. 10, as shown in FIG. 8, the customer terminal selects predetermined product selection information and borrowing amount information from the customer terminal through the predetermined product selection interface for money consumers. And / or input) the server, the server receives the cash consumer's target product selection information and the borrowed amount information from the customer terminal (1000), and the cash consumer's target corresponding to the money consumer's product selection information. Generate a predetermined money consumption balance relay condition based on the product information (1005), and at least one money consumption balance corresponding to the information on the money consumption borrower and the selected money consumption borrower based on the money consumption balance condition; Perform the interim payment balance relay procedure (1010).

According to the implementation method of the present invention, the money lending relay condition is preferably comprised of interest rate information, borrowing period information, insurance request information, security request information, etc. included in the product information for the borrower.

The money lender relaying procedure is a procedure in which the customer borrows the borrowed amount from the at least one money consumer, the customer corresponding to the information on the subject of the borrower during the borrowing period, at an interest rate corresponding to the interest rate information. It is preferable to comprise a.

When the insurance consumer request information includes valid insurance request information, it is preferable that the cash consumer loan relaying procedure includes an insurance subscription procedure corresponding to the insurance consumer request information.

In the case where the information on the borrower's target product includes valid collateral request information, the cash consumer loan relaying procedure provides the borrower's customer with at least one collateral of financial collateral and / or non-financial collateral (or registered collateral). Preferably, the provided financial security and / or non-financial security (or registered security) is included as a security for the money consumption relay.

According to an exemplary embodiment of the present invention, the financial security setting procedure may be deposited in at least one or more accounts having the security of providing the security among the deposit (saving) account, the financial product account, and the payroll account of the customer. It is preferable to include a withdrawal prevention setting process for setting the amount to be deposited in a holiday so as not to withdraw during the loan period.

For example, the financial security setting procedure may include setting the deposit amount not to be withdrawn during the loan period when an amount corresponding to the security amount is already deposited in the borrower account set as the financial security. Can be.

In addition, in the financial security setting procedure, when the amount corresponding to the amount of the security is not deposited in the financial consumer account set as the financial security, it is possible to deposit into the financial consumer account during the loan period, but once deposited The amount can be made including setting the withdrawal.

In addition, when the financial consumer account set as the financial security is a pay account, the financial security setting procedure includes setting a certain amount of money consumer borrower salary deposited into the pay account set as the financial security is not withdrawn. It can be done by.

If the collateral covered by the non-financial security (or registered security) is real estate, the procedure for establishing the non-financial security (or registered security) may include at least one of ownership, and / or lease, and / or use rights of the consumer of the money. For the above rights, it includes setting up mortgage rights, provisional agreement, ownership reservation, etc. for the real estate.

In addition, when the non-financial collateral (or registered security) covered collateral is a car, the non-financial collateral (or registered collateral) setting procedure may include setting a mortgage right, a provisional register, a reservation for ownership, etc. on a vehicle whose ownership of the money consumer is confirmed It consists of setting up.

If the money consumption judging relaying procedure is completed (1015), the server extracts the customer account information of the borrower from the consumer information (1020), and also the member information D / B (160) Extract (1025) monetary loan customer account information for the at least one monetary consumer who corresponds to the product information targeted for the consumer of the money, from the borrower amount information, the loan condition for the loan, and the monetary borrower; Generate money consumption history information including at least one customer account information and at least one money consumer account information (1030), the money consumer customer information and at least one money consumer customer information and the generated The balance of the money consumption history information is stored in a predetermined storage medium 645 (1035).

11 is a diagram illustrating a process for processing money consumption loans for a money consumption relay service according to an embodiment of the present invention.

In more detail, FIG. 11 is based on the information on the goods for the consumer of the consumer corresponding to the information on the selection of the goods for the consumer of the consumer, which is received from the customer of the consumer consumer terminal 650 through the money consumer loan relay system shown in FIG. As an example of a method for processing a money consumption loan fund for a money lending relay service, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. According to the present invention, it is possible to infer various implementation methods for the processing of the money lending funds for the money lending relay service according to the present invention. However, the present invention includes all the inferred implementation methods, and is limited to the implementation method shown in FIG. Not.

In FIG. 11, the money lending fund processing server is referred to as a "server" for convenience, and the money consuming customer terminal 650 is referred to as a "customer terminal" for convenience.

Referring to FIG. 11, when a cash consumption relay processing process for a money consumption relay service is performed through the process as shown in FIG. 10, the server may output the money balance relaying result (and / or FIG. 10). The predetermined amount of money consumption loan funds processing information is extracted from the amount of money consumption loan information generated in step 1100.

According to an embodiment of the present invention, the money consumption loan processing information may be determined by the server in connection with a predetermined financial system 155 of at least one money consumption loan customer selected from the money consumption balance relay process. It is preferred to include information for withdrawing money from a consumer finance account (and / or a customer deposit account) and depositing the money into a consumer finance account (and / or a customer loan account).

For example, the money balance financing information may include money consumer finance account information (and / or customer deposit account information) for the at least one selected money consumer loan customer and money consumer finance account for the consumer money borrower customer. Withdrawal from the information (and / or customer loan account information) and the money consuming financial account information (and / or customer deposit account information) and deposit into each money consuming financial account information (and / or customer loan account information) It may include amount information.

When the money consumption loan processing information is extracted, the server interoperates with the financial system 155 corresponding to the money consumption loan financial account information (and / or customer deposit account information) included in the money consumption loan processing information. Perform a withdrawal procedure corresponding to the money lending funds processing information (1105), and interlock with the financial system 155 corresponding to the money consuming financial account information (and / or customer deposit account information); A deposit procedure corresponding to the fund processing information is performed (1110).

According to an embodiment of the present invention, the withdrawal procedure corresponding to the money lending funds processing information may include: consuming the money from the money consuming financial account (and / or customer deposit account) for the at least one selected money consuming customer. It is preferable to include withdrawing the amount of money calculated corresponding to the borrower condition information.

In addition, the deposit procedure corresponding to the money lending funds processing information includes depositing the amount withdrawn through the withdrawal procedure into a money consuming financial account (and / or customer loan account) for the money consuming customer. It is preferable to make.

If the above-described money consumption balance processing process is completed (1115), the server generates predetermined money consumption history information including the result of the money processing (1120), and at least one money consumption customer information and By linking the cash consumer information and the created information on the amount of money consumption loans stored in a predetermined storage medium (645) (1125), the money consumer and at least one money consumer customer to the present invention in accordance with the present invention. Providing money consumption loan relay service.

According to the present invention, it is advantageous to general money consumer owners who do not possess legal knowledge and financial knowledge about money consumption loan contract among various types of money consumption loan relay services provided through the money consumption balance relay system, and are stable. There is an advantage that can easily be provided for money lending relay service.

Claims (10)

In the money consumption balance relay system that provides a money consumption balance relay service between customers, Customer authentication and information checking means for authenticating the customer and confirming the credit rating information of the customer when accessing the customer terminal of the money consumer; When a predetermined amount of money lending commodity information request signal is received from the customer account terminal, the plurality of pieces of money lending commodity information corresponding to the confirmed customer information and / or credit rating information are extracted from a predetermined information storage medium. And an interface providing means for providing the customer terminal with an interface for listing the extracted plurality of money consumption product information, and allowing the customer to select one or more of the listed plurality of money consumption product information. ; Information storage means for storing the selected commodity information and the customer information in a predetermined storage medium by linking the selected commodity information with the customer information when the cash consumer customer terminal selects at least one of the listed plurality of money consumption commodity information through the interface; Characterized in that comprises a, The money consumption balance relay system, characterized in that for processing the money consumption balance to the consumer, the consumer of the money on the basis of the information on the money consumption loans stored in the storage medium. The method of claim 1, wherein the interface providing means, It provides an interface to input and / or select the money consumption loan product conditions to the money consumer customer terminal, The money consumption balance relay system, characterized in that to extract from the storage medium a plurality of money consumption product information corresponding to the money consumption product conditions entered and / or selected by the customer terminal. The method of claim 2, wherein the money consumption commodity condition is And a loan amount condition, a loan term condition, a loan interest rate condition, and a mortgage setting condition. According to claim 1, wherein the money consumption commodity information, A money consumption balance relay system comprising at least one or more information on periods of money consumption, interest rate condition information according to money consumption balance, money consumption amount condition information, and money consumption agreement condition information. The method of claim 1 or 2, wherein the respective means are: On a single server (or device), or A cash consumption relay system, characterized in that provided in a plurality of servers (or devices). In the money consumption balance relay method that provides a money consumption balance relay service between customers, Authenticating the customer in a predetermined customer authentication and information checking means when accessing the customer terminal of the money consumer and confirming the credit rating information of the customer; When a predetermined amount of money lending product information request signal is received from the money consumer account terminal, a plurality of pieces of money lending product information corresponding to the identified customer information and / or credit rating information are predetermined by a predetermined interface providing means. After extracting from the information storage medium, the extracted plurality of money lending commodity information is listed, and the customer terminal has an interface for allowing the borrower customer to select one or more of the listed plurality of money lending commodity information Providing with; When the cash consumer customer terminal selects one or more of the listed plurality of cash consumer goods information through the interface, a predetermined information storage means associates the selected product information with the customer information to a predetermined storage medium. Storing; And And processing a money consumption balance to the money consumer borrower customer in accordance with the product condition based on the information on the money consumption loan product stored in the storage medium in a predetermined money consumption balance relay means. Method of relaying money consumption balance. The method of claim 6, Providing an interface for inputting and / or selecting a cash consumption commodity condition from the interface providing means to the cash consumption customer terminal; And And extracting, from the storage medium, a plurality of money lending commodity information corresponding to the money lending commodity condition input and / or selected by the money lending customer terminal in the interface providing means. How to relay money consumption balance. The method of claim 7, wherein the money consumption commodity conditions, And a loan amount condition, a loan term condition, a loan interest rate condition, and a mortgage setting condition. A recording medium comprising a program for executing the method of claim 6 or 7. In the money consumption balance relay device that provides a money consumption balance relay service between customers, When accessing a consumer terminal of a money consumer, after extracting a plurality of money consumption product information corresponding to the customer information and / or credit rating information of the customer from a predetermined information storage medium, the extracted plurality of money consumption product information is added. An interface providing unit arranged to provide the customer terminal with an interface for allowing the customer to select one or more of the information on the plurality of money lending products. And An information storage unit for linking the selected product information and the customer information and storing the selected product information in a predetermined storage medium when the at least one customer terminal of the cash consumer selects one or more of the listed items of money consumption loans through the interface; Cash consumption balance relay device characterized in that it comprises a.

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