KR20090006485A - Method and system for handling relay of consumption balance between group members and recording media - Google Patents

Abstract

The present invention relates to a method and system for processing a consumer loan transaction relay between group members and a recording medium therefor, wherein the method for processing a consumer loan transaction relay between group members according to the present invention includes registering a loan condition for a consumer. And an information providing step of providing the registered loan condition information and the consumer borrower customer information to the group members (or group representatives) to which the consumer borrower customer belongs in a predetermined information providing means, and the group member (or group representative). Or when one or more members of the group members approve the consumption loan transaction corresponding to the consumption loan condition information, the consumption belonging to the group (or one or more members of the group members) and the group in a predetermined information processing means. And an information processing step of relaying the consumption loan transaction between the borrower customers.

Description

System and Method for Relay Processing Consumption Borrowing and Lending Transaction Between Members of Group and Program Recording Medium}

1 is a view showing a balance sheet group configuration system for a predetermined balance sheet consumption group according to an embodiment of the present invention.

2 is a diagram illustrating a process of forming a consumer loan transaction group having members who provide the same group configuration condition information according to an exemplary embodiment of the present invention.

3 is a diagram illustrating a consumption balance group configuration system for a predetermined consumption balance transaction group configuration according to another embodiment of the present invention.

4 is a flowchart illustrating a process of opening a consumption loan group based on group establishment application information of a customer (such as a shop) according to another exemplary embodiment of the present invention, and recruiting members to the opened consumer loan group to process subscription. Drawing.

5 is a diagram illustrating a consumption balance group configuration system for configuring a predetermined consumption balance transaction group according to another exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a process of forming a consumer loan transaction group in which predetermined customers collectively provide a plurality of pieces of customer information to be included in a group according to one embodiment of the present invention.

7 is a diagram illustrating a configuration of a consumer information registration system for consumer loan transactions according to an embodiment of the present invention.

8 is a diagram illustrating a process of registering consumer information for consumption for a consumer loan transaction according to one embodiment of the present invention.

9 is a diagram illustrating a consumer loan transaction system based on a consumer loan transaction condition according to an exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a loan processing transaction using a representative of a consumer loan group according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

900: consumer loan transaction server 905: information provider

910: interface unit 915: interface provider

920: information receiving unit 925: information processing unit

930: revenue share 935: information storage

940: storage medium 700: information registration server

100, 300, 500: Group configuration server

According to the present invention, when a predetermined consumer borrower customer registers a consumption loan condition, the registered consumer loan condition information and the consumer borrower customer information are assigned to a group member (or group representative) to which the consumer borrower customer belongs by predetermined information providing means. The information providing step and the group member (or group representative or one or more members of the group members) approve the loan transaction corresponding to the loan condition information, the group (or And an information processing step of relaying a consumer loan transaction between one or more members of the group) and a consumer loan customer belonging to the group.

Generally, loans for consumption (eg, money loans, etc.) are established by enacting that a consumer loan transfers a predetermined amount of money to a money consumer, and the consumer loan is established by promising to return the transferred money. Unlike a lease that returns the object itself, the owner takes ownership of the object and consumes it and then returns another object.

With the development of the Internet, consumer loan transactions, which have been mainly performed on the offline market, are also possible on-line, and these consumer loan transactions were mainly conducted on an individual-to-person basis. Transactions, or between groups and individuals.

In addition, in addition to the basic credit ratings for consumer loan transactions, there is a need for reliable consumer loan transactions through intragroup trading.

SUMMARY OF THE INVENTION An object of the present invention for solving the above problems is that when a predetermined consumer loan customer registers a loan condition, the registered loan condition information and the consumer account information are used by a group member to which the consumer customer belongs (or The group (or group members) when the means for providing information to the group representatives and the group member (or one or more members of the group representative or group members) approve the consumption loan transaction corresponding to the loan condition information. The at least one member) and the consumer loan transaction relay processing system between the group member including information processing means for relaying the consumer loan transaction between the consumer customers belonging to the group.

In the method for processing a loan balance transaction for consumption between group members according to the present invention, when a predetermined consumer loan customer registers a loan condition for consumption, the registered consumption condition information and the borrower customer information are consumed by a predetermined information providing means. Information providing step provided by the borrower customer to the group members (or group representatives) to which the borrower customer belongs, and the group members (or one or more members of the group representative or group members) perform the consumption loan transaction corresponding to the loan condition information. If approved, characterized in that it comprises an information processing step of relaying the consumption loan transaction between the group (or one or more members of the group members) and the consumer customers belonging to the group in a predetermined information processing means.

According to the present invention, the information providing step, characterized in that to provide the consumer loan condition information and the consumer borrower customer information through the group dedicated web page, or to the group members (or group representatives) communication means do.

According to the present invention, the information processing step, withdraw the consumption loan transaction amount from the account (or virtual account) opened in the name of the group (or group representative or one or more members of the group members), the name of the consumer of the consumer Processing the deposit to an account (or a virtual account) opened; the consumer loan transaction condition information, the consumer loan transaction history information, the group (or one or more members of the group members) information, and the consumer borrower customer information; And storing the data in a predetermined storage medium by associating the same.

According to the present invention, the consumption loan transaction condition information, characterized in that the transaction period information for the consumption loan transaction, the transaction interest rate information, and the transaction amount information at least one or more.

According to the present invention, the consumer loan transaction is characterized in that the consumer loan transaction using cash or points.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described consumption balance transaction relay processing method between the group members.

On the other hand, the consumer loan transaction relay processing system between the group members according to the present invention, if a predetermined consumer borrower customer registers the loan condition, the consumer loan customer belongs to the registered consumer loan condition information and the consumer information. The information providing means provided to the group members (or group representatives) and the group members (or one or more members of the group representatives or group members) approve the consumption loan transaction corresponding to the loan condition information, the group (Or one or more members of the group members) and the information processing means for relaying the consumer loan transaction between the consumer borrower customers belonging to the group.

According to the present invention, the consumption balance transaction relay processing system between the group members, the revenue that distributes the generated revenue to the group members (or one or more members of the group members) when the revenue corresponding to the consumption loan transaction occurs Characterized in that it further comprises a distribution means.

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

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 made based on the contents throughout the present invention.

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.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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 view showing a balance sheet group configuration system for a predetermined balance sheet consumption group according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates that when a predetermined customer provides customer personal information and group composition condition information for a predetermined consumption balance group configuration to a consumption balance group configuration system through a predetermined information registration interface, the consumption balance group In the group configuration server 100 on a configuration system, the provided customer personal information and group configuration condition information are cooperatively processed and stored in a predetermined storage medium 150, and the same group configuration condition information is provided from the storage medium 150. If the customer is identified, the system configuration for configuring a predetermined consumer balance transaction group consisting of the customers who provided the same group configuration condition information, if the person skilled in the art to which the present invention belongs Configuring a balance sheet grouping system for a predetermined balance sheet group by referring to or modifying the drawing 1 For would be able to infer the various exemplary methods, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

For example, the consumer group trade group is characterized in that the consumer loan transaction using the money or points (or money corresponding to the point) of the member group.

Hereinafter, the customer personal information provided from the customer and the group configuration condition information are cooperatively processed and stored in the storage medium 150 through the predetermined information registration interface shown in FIG. 1 and stored in the storage medium 150. Identifying the customers who have provided the same group composition condition information stored in the medium 150, the component corresponding to at least one or more means or functional configuration for forming a predetermined consumption group for convenience "group composition server 100 ( Or a group opening server). "

According to an embodiment of the present invention, the group composition server 100, if a consumer loan group having customers who have provided the same group membership condition information as a group member is configured, a predetermined virtual corresponding to the configured consumer loan group. It is characterized in that it further comprises at least one or more means or functional configuration for assigning an account, and cooperatively processing the consumer group virtual account and the account (or virtual account) of the group members, in addition to those skilled in the art Other means or functional configuration may be further included in the implementation process without departing from the spirit of the present invention.

Referring to FIG. 1 according to an embodiment of the present invention, a consumption balance group configuration system for configuring the predetermined consumption balance transaction group may include at least a client terminal including at least one wired terminal or a wireless terminal used by a customer. Characterized in that it comprises one or more information registration terminal, the information registration terminal is connected to the communication channel and the group configuration server 100 provided on the consumer loan group configuration system through a predetermined network means.

According to one embodiment of the invention, the customer is connected to the group configuration server 100 via at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, the group When the client personal information and group configuration condition information for the predetermined consumption transaction group configuration are input (or selected) through at least one user interface provided by the configuration server 100, the client terminal selects predetermined network means. It is preferable to transmit to the group configuration server 100 provided on the consumer balance group configuration system through.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or at least one home appliance terminal (eg, Set-Top-Box, etc.) connected to the TCP / IP-based communication network.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the network means for connecting the client terminal and the group configuration server 100 may be a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication network connected to the client terminal It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the group configuration server 100, inputs or selects at least one or more information through the user interface, and transmits the same to the group configuration server 100. It is preferable that a function configuration (for example, a browser program and communication function, or a predetermined communication program and communication function to communicate with the group configuration server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the consumer balance group composition system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the group configuration server 100 or The wireless communication network may perform a function of an information registration interface for registering the customer personal information and group composition condition information for the customer to form the predetermined consumer transaction group.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or may further include a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, and the present invention is not limited thereto.

In the consumption balance group composition system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown) and the group composition server 100 The wired telephone network or the wireless telephone network to be connected may perform a function of an information registration interface for the customer to register customer personal information and group composition condition information for forming the predetermined consumer loan transaction group.

The storage medium 150 provided on the consumer balance group composition system according to the present invention stores the data on the predetermined storage medium 150 by cooperatively processing the customer personal information and group composition condition information provided from the information registration terminal. The customer personal information and group composition condition information stored in the storage medium 150 may be used to form the predetermined consumer loan transaction group.

The customer personal information may include at least one or more of a member ID, a name, a social security number, an address, a phone number (including a mobile number), an account number (or a virtual account number), etc. of the customer.

The group composition condition information may include the condition information for the group and condition information for the members to be included in the group with respect to the group in which the customer is to be configured.

According to one embodiment of the invention, the condition information for the group, the number of members (e.g., two or more) to form the group, group composition purpose (e.g., a group for money (or for money) transactions) And the like).

In addition, the condition information for the members to be included in the group, at least one or more age group, gender, region, transaction period, transaction history (transaction amount, etc.), whether a particular company (or group) worked, occupation, religion, hobby, etc. It can be made, including.

According to another exemplary embodiment of the present invention, when the group composition condition information registration process is included in the membership registration process of the customer or in parallel with the membership registration process, the customer personal information or group composition condition information is registered by the customer. Application information may be further included.

According to another exemplary embodiment of the present invention, when the storage medium 150 has a consumption loan group including customers who satisfy the group configuration condition information, the consumption loan group configuration details information and the customer's membership application Information or group member information can be linked and stored further.

According to one embodiment of the invention, the storage medium 150 is preferably provided on the group configuration server 100 provided on the consumer balance group composition system (or associated with the consumer balance group composition system). The present invention is not limited thereto.

The group composition server 100 provided on the consumer balance group composition system according to the present invention is a generic term for the consumer balance group configuration system side components connected to the information registration terminal through a predetermined network means, and includes at least one or more components. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the group composition server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the group configuration server 100, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, and the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the group configuration server 100, the interface unit 105 is connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, if the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 105 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 1, the group configuration server 100 connects a communication channel with the group configuration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. The interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined customer personal information and group configuration condition information from the information registration terminal to the information registration terminal. ), An information receiving unit 115 for receiving predetermined customer personal information and group configuration condition information inputted (or selected) and transmitted from the information registration terminal through the user interface in cooperation with the interface unit 105; And an information storage unit 125 for processing the received customer personal information and group configuration condition information in a predetermined storage medium 150. It shall be.

The interface providing unit 110 connects a communication channel with the group configuration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) customer personal information and group composition condition information to the group composition server 100 through the network means, or extract from a predetermined database (not shown). And provide the user interface generated (or extracted) in association with the interface unit 105 to the information registration terminal through the network means.

Subsequently, the information registration terminal inputs (or selects) the customer personal information and group composition condition information based on the user interface, and inputs the input (or selected) customer personal information and group composition condition information through the network. The group configuration server 100 transmits.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 110 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser program or communication provided in the client terminal It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 110 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 105. desirable.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) the customer personal information and group composition condition information to the information registration terminal and transmitting the information to the group composition server 100 through the network means. When the predetermined information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

When the information receiving unit 115 inputs (or selects) customer personal information and group configuration condition information through the user interface from the information registration terminal, and transmits the information through the network means, the information receiving unit 115 interworks with the interface unit 105. Characterized by receiving the customer personal information, group configuration condition information, and provides the received customer personal information, group configuration condition information to the validity check unit 120.

The validity confirming unit 120 checks whether the customer personal information and the group composition condition information received from the information registration terminal satisfy the validity for the predetermined consumption loan transaction group composition.

According to the method of the present invention, the validity check, when the customer is a customer who has already subscribed as a member, the validity checker 120 receives the customer personal information received from the information registration terminal and the storage medium 150 Comparing the member information of the customer stored in, characterized in that whether to confirm the match.

The information storage unit 125 stores the information on the storage medium 150 in association with the customer personal information and the group configuration condition information, and the storage medium 150 is stored in the group configuration server 100. If provided, or provided on the network associated with the group configuration server 100, the information storage unit 125 processes the received customer personal information and group configuration condition information in association with the storage medium 150 It is desirable to store.

The information checking unit 130 checks the same group configuration condition information among the group configuration condition information stored by the customer through the information storage unit 125, and the same group configuration condition information Customer personal information providing group composition condition information is provided to the group composition unit 135.

Here, the information checking unit 130 is the number of members (for example, two or more) to form the group included in the group configuration condition information, group composition purposes (for money for (or for money) for transactions) Group, etc.), group age group, gender of group member, region where group member resides, transaction period, transaction history (transaction amount, etc.), whether a particular company (or group) is employed, occupation, religion, hobby, etc. Check the personal information of the provided customers, and provides the confirmed customer information to the group configuration unit (135).

The group forming unit 135 checks the personal information of the customers providing the same group configuration condition information through the information confirming unit 130, and the group having the identified customers as members in response to the group configuration condition information. It characterized in that the configuration.

Here, it is preferable that the number of group members be the number of persons specified in a predetermined group composition rule (terms, etc.).

The group configuration unit 135 may assign a group URL or a group name corresponding to the configured group, where the group name may be changed later by group members.

The virtual account opening unit 140 opens a virtual account corresponding to the configured group when a group including customers who have provided the same group configuration condition information through the group configuration unit 135 is formed. do.

The group virtual account opened through the virtual account opening unit 140 is for the deposit and withdrawal required in the process of performing a predetermined money loan transaction through the group, the mall group virtual account is the account of the group member It is preferable to be associated with (or virtual account), which is used for the distribution of collections or profits from each member.

The information transmitting unit 145, in the process of forming a group consisting of customers who provided the same group configuration condition information through the group configuration unit 135, the group through a wired or wireless communication means of the customer And a message for notifying the configuration or requesting consent to join the group member.

2 is a diagram illustrating a process of forming a consumer loan transaction group having customers who provide the same group configuration condition information according to an exemplary embodiment of the present invention.

In more detail, FIG. 2 illustrates a case where the group configuration server 100 on the consumer balance group configuration system illustrated in FIG. 1 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the group configuration server 100 and connecting a communication channel for registration of customer personal information and group configuration condition information for consumption balance group configuration according to the present invention, the group configuration server ( When the customer personal information and group composition condition information are transmitted to the server 100, the group composition server 100 associates the received customer personal information with group composition condition information and stores them in a predetermined storage medium 150. By identifying the customers who have provided the same group configuration condition information from the storage medium 150, the customers who have provided the same group configuration condition information are configured. As a process for forming a predetermined consumer loan transaction group, those skilled in the art to which the present invention pertains, refer to or modify this figure 2 to form a variety of consumer loan transaction group Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the client terminal shown in FIG. 1 will be referred to as "terminal" for convenience, and the group configuration server 100 shown in FIG. 1 will be referred to as "server" for convenience.

Referring to Figure 2, the client terminal shown in Figure 1 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc. to register the customer personal information and group composition condition information, and for establishing the predetermined consumer transaction group. When requesting registration of customer personal information and group composition condition information (200), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the customer personal information and group composition condition information (205). In operation 210, the generated (or extracted) web page is transmitted to the terminal through the communication channel.

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) the customer personal information and group composition condition information in the terminal.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the customer personal information, group configuration condition information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) at least one or more pieces of customer personal information and group composition condition information through the information registration interface (215).

If the customer personal information and group configuration condition information are input (or selected) through the information registration interface in the terminal (220), the terminal inputs (or selects) the customer personal information and group through the communication channel. Configuration condition information is transmitted to the server (225).

According to an embodiment of the present invention, transmitting the input (or selection) of the customer personal information and group configuration condition information to the server through the communication channel may be performed by the customer personal information (or selection) through the information registration interface. The information and group configuration condition information may be further transmitted to the server by electronic signature or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the customer personal information and group composition condition information through the communication channel to check the validity of the customer personal information and group composition condition information (230).

According to the exemplary embodiment of the present invention, checking the validity of the customer personal information and the group configuration condition information may include: when the customer personal information and the group configuration condition information are electronically signed or encrypted through a security module provided in the terminal. And decrypting the customer personal information and the group configuration condition information.

According to an embodiment of the present invention, the validity check is, if the customer is a pre-subscribed customer, the server is a member of the customer stored in the storage medium 150 and the customer personal information received from the information registration terminal By comparing the information, it is characterized in that the match.

If the validity of the customer personal information and group composition condition information is not authenticated (235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (240). Do not perform information registration procedure or group configuration procedure corresponding to information, group configuration condition information.

On the other hand, if the validity of the customer personal information and group composition condition information is authenticated (235), the server performs an information registration procedure corresponding to the customer personal information and group composition condition information, thereby providing the customer personal information and group composition condition. The information is linked and stored in a predetermined storage medium 150 (245).

Thereafter, the server checks customer personal information that has registered the same group configuration condition information among the group configuration condition information stored in the storage medium 150 (250), and consumes the customers who have registered the same group configuration condition information as members. A balance trading group is formed (255).

According to an exemplary embodiment of the present invention, when the customers who have registered the same group configuration condition information are confirmed, the server may transmit a message for requesting a predetermined agreement for the group configuration to the customer communication means. It may be determined whether to include the group member of the customer according to the agreement.

When the consumer loan transaction group is configured, wherein the customer has registered the same group configuration condition information as described above, the server grants a virtual account corresponding to the configured consumer loan transaction group (260), and the group virtual account information. The group information and group member information are cooperatively processed and stored in a predetermined storage medium 150 (265).

Thereafter, the server generates (or extracts) a web page including the information registration and group configuration history information and transmits the web page to the terminal.

3 is a diagram illustrating a consumption balance group configuration system for configuring a predetermined consumption balance transaction group according to another exemplary embodiment of the present invention.

In more detail, Figure 3 shows a consumer loan group establishment application including customer personal information and group composition condition information for a given consumer loan transaction group composition system to a consumer loan group composition system through a predetermined information registration interface. If the information is provided, a predetermined consumption balance group is opened to the customer based on the provided consumption balance group establishment application information in the group composition server 300 on the consumption balance group composition system, and the established group information and the group are established. The present invention relates to a system configuration for recruiting the group members by providing the established group information to individual member customers after storing the establishment application information in a predetermined storage medium 350. If one of ordinary skill in the art, refer to or modify the present Figure 3, a predetermined consumer loan transaction group structure Would be able to infer a variety of exemplary methods for the consumption balance groups for system configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 3.

Hereinafter, the consumer loan group based on the consumer loan group establishment application information including the customer personal information, the group configuration condition information provided from the customer through a predetermined information registration interface on the consumer loan group configuration system shown in FIG. A group is established, and the established group information is provided to individual member customers through a web or a customer communication means, so that at least one means or component corresponding to the functional configuration for recruiting members for the group is conveniently provided. Group configuration server 300 (or group establishment server).

According to an embodiment of the present invention, the group composition server 300, when a consumer loan group having customers who have provided the same group membership condition information as a group member is configured, a predetermined virtual corresponding to the configured consumer loan group. It is characterized in that it further comprises at least one or more means or functional configuration for assigning an account, and cooperatively processing the consumer group virtual account and the account (or virtual account) of the group members, in addition to those skilled in the art Other means or functional configuration may be further included in the implementation process without departing from the spirit of the present invention.

Referring to FIG. 3 according to an embodiment of the present invention, a consumption balance group configuration system for configuring the predetermined consumption balance group may include at least one wired terminal or a wireless terminal used by a customer requesting to open the consumption balance group. And an information registration terminal including at least one or more client terminals, etc., wherein the information registration terminal comprises a group configuration server 300 provided on the consumer loan group configuration system through a predetermined network means. ) And the communication channel are connected.

According to one embodiment of the invention, the customer is connected to the group configuration server 300 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, Input (or select) the loan balance group establishment application information including the customer personal information and group configuration condition information for the predetermined consumption balance transaction group configuration through at least one user interface provided by the group configuration server 300 In addition, it is preferable to transmit from the client terminal to the group configuration server 300 provided on the consumption balance group configuration system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or at least one home appliance terminal (eg, Set-Top-Box, etc.) connected to the TCP / IP-based communication network.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the network means for connecting the client terminal and the group configuration server 300 is a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication network connected to the client terminal It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the group composition server 300, and inputs or selects at least one or more information through the user interface to transmit the group configuration server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the group configuration server 300, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the consumer balance group composition system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the group configuration server 300 or The wireless communication network may perform a function of an information registration interface for the customer to register consumer loan group establishment application information including customer personal information and group composition condition information for the predetermined consumer loan transaction group composition.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or may further include a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, and the present invention is not limited thereto.

In the consumption balance group configuration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the group composition server 300 The wired telephone network or the wireless telephone network for connecting the customer to perform the function of the information registration interface for registering the consumer loan group establishment application information including customer personal information, group configuration condition information for the predetermined consumer loan transaction group composition can do.

The storage medium 350 provided on the consumption balance group composition system according to the present invention stores the data on the predetermined storage medium 350 by cooperatively processing the customer personal information and group composition condition information provided from the information registration terminal. Characterized in that, the consumer loan group establishment application information including the customer personal information, the group configuration condition information stored in the storage medium 350 is used for the configuration of a predetermined consumer loan transaction group.

The customer personal information may include at least one or more of a member ID, a name, a social security number, an address, a phone number (including a mobile number), an account number (or a virtual account number), etc. of the customer.

The group composition condition information may include the condition information for the group and condition information for the members to be included in the group with respect to the group in which the customer is to be configured.

According to one embodiment of the invention, the condition information for the group, the number of members (e.g., two or more) to form the group, group composition purpose (e.g., a group for money (or for money) transactions) Etc.), at least one group name, and the like.

In addition, the condition information for the members to be included in the group, at least one or more age group, gender, region, transaction period, transaction history (transaction amount, etc.), whether a particular company (or group) worked, occupation, religion, hobby, etc. It can be made, including.

According to one embodiment of the invention, the storage medium 350 is preferably provided on the group configuration server 300 provided on the consumer balance group composition system (or associated with the consumer balance group composition system). The present invention is not limited thereto.

The group composition server 300 provided on the balance sheet group composition system according to the present invention is a generic term for the balance sheet component side components connected to the information registration terminal through a predetermined network means, and includes at least one or more components. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the group configuration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the group configuration server 300, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 305 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the group configuration server 300, the interface unit 305 is based on the CDMA protocol. It connects a communication channel with a terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 305 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 3, the group configuration server 300 connects a communication channel with the group configuration server 300 through the interface unit 305 and then connects the communication unit 305 with the interface unit 305. The information registration terminal generates (or extracts) a predetermined user interface for inputting (or selecting) and sending consumption loan group establishment application information including predetermined customer personal information and group configuration condition information. An interface providing unit 310 provided by a terminal and predetermined customer personal information and group configuration condition information inputted (or selected) and transmitted from the information registration terminal through the user interface in cooperation with the interface unit 305. An information receiving unit 315 for receiving the consumption loan group establishment request information, and the consumer loan including the received customer personal information and group configuration condition information. A group establishment unit 325 for establishing the consumption loan group based on group establishment application information, a virtual account establishment unit 330 for establishing a virtual account corresponding to the opened consumption loan group, and the opened group information; And an information storage unit 335 for processing the virtual account information corresponding to the group in association with the group establishment request information and storing the virtual account information in a predetermined storage medium 350.

The interface provider 310 connects a communication channel with the group configuration server 300 through the interface unit 305 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) consumer loan group establishment application information including customer personal information and group composition condition information to be transmitted to the group composition server 300 through the network means, or Extract from a database (not shown), and provide the generated (or extracted) user interface to the information registration terminal through the network means in association with the interface unit 305.

Thereafter, the information registration terminal inputs (or selects) consumption loan group establishment application information including the customer personal information and group composition condition information based on the user interface, and inputs (or selects) the customer personal information; The consumption balance group establishment request information including group composition condition information is transmitted to the group composition server 300 through the network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 310 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 310 is provided to the call terminal (not shown). Produces (or extracts) a predetermined user interface, and provides the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 305. It is preferable.

According to another exemplary embodiment of the present invention, the group configuration server 300 is inputted through the network means by inputting (or selecting) consumption loan group establishment application information including the customer personal information and group composition condition information to the information registration terminal. When a predetermined information registration program having at least one user interface for transmitting to the information registration terminal is provided, the interface providing unit 310 for providing the user interface to the information registration terminal may be omitted, thereby limiting the present invention. Not.

When the information receiving unit 315 inputs (or selects) consumption loan group establishment application information including customer personal information and group composition condition information through the user interface, the information registration terminal transmits the information through the network means. And the consumer loan group establishment application information including the customer personal information and group composition condition information in connection with the interface unit 305, wherein the validity confirming unit receives the received customer personal information and group composition condition information. Provided at 320.

The validity confirming unit 320 checks whether the consumption loan group establishment application information including the customer personal information and the group composition condition information received from the information registration terminal satisfies the validity for the composition of the predetermined consumer loan transaction group. do.

According to the implementation method of the present invention, the validity check, when the customer applying for the consumer loan group establishment is a customer who has already subscribed as a member, the validity check unit 320 is the customer personal information received from the information registration terminal And by comparing the member information of the customer stored in the storage medium 350, characterized in that whether or not matching.

The validity check may be performed in conjunction with the storage medium 350 to determine whether a group having the same group name as the group name for the consumer loan group requested by the customer exists.

The group establishment unit 325 receives predetermined consumption balance group establishment application information through the information receiving unit 315 or validity of the received consumption balance group establishment application information through the validity confirming unit 320. If it is confirmed that, based on the customer personal information, group configuration condition information contained in the consumer loan group establishment application information, it is characterized in that the establishment of a predetermined consumer loan group.

According to an embodiment of the present invention, the group establishment unit 325 may assign a group URL or a group name corresponding to the configured group, where the group name is later assigned to group members (or a shop). It is desirable to be able to change by.

When the group corresponding to the group establishment application information provided by the same customer is established through the group establishment unit 325, the virtual account establishment unit 330 opens the virtual account corresponding to the opened consumption loan group. It is characterized by.

The group virtual account opened through the virtual account opening unit 330 is for withdrawal and withdrawal required in the process of performing a predetermined money loan transaction through the group, and the mall group virtual account is an account of the group member. It is preferable to be associated with (or virtual account), which is used for the distribution of collections or profits from each member.

The information storage unit 335 corresponds to the group through the group establishment unit 325 and the group information established in response to the consumption loan group establishment application information provided by the customer and the virtual account establishment unit 330. It is characterized in that the virtual account information to be opened in connection with the group establishment application information stored in a predetermined storage medium 350.

Referring to FIG. 3, when the consumption balance group corresponding to the consumption loan group establishment application information provided by the customer is established, the group composition server 300 posts the established group information and the group establishment application information on the web. Or by a predetermined customer to join the group through the information providing unit 340 provided to each individual member communication means and the posted or provided group information and group establishment application information. It is characterized in that it further comprises a subscription processing unit 345 for processing affiliated with the group information to the subscription processing.

The subscription processing unit 345 is provided with the group information and the group configuration condition information via the information providing unit 340 to the web or customer communication means, the predetermined customer to confirm the group information and group configuration condition information When the user wishes to join a group, the personal information of the desired customer to be subscribed is confirmed in response to the subscription selection (or input) of the desired customer, and the member is automatically processed to join the group. .

According to an exemplary embodiment of the present invention, the subscription processing unit 345 checks the account information (or virtual account information) of the group subscription customer, and performs the linkage processing with the group virtual account information.

Figure 4 shows a process of establishing a consumer loan group based on the group establishment application information of a customer (such as a shop) according to another embodiment of the present invention, and recruiting members for the established consumer loan group to process the subscription. Drawing.

In more detail, FIG. 4 shows a case where the group configuration server 300 on the consumer balance group configuration system illustrated in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the group configuration server 300 and connecting a communication channel for registration of consumer loan group establishment application information including customer personal information and group configuration condition information for establishing a consumer loan group according to the present invention, When the consumption balance group establishment request information including the customer personal information and group composition condition information is transmitted to the group composition server 300 through a communication channel, the received consumption balance group establishment request is received by the group configuration server 300. A predetermined group is established based on the information, and the group information and the group composition condition information are posted through the web and the like. Regarding the process of recruiting members, one of ordinary skill in the art will be able to infer various implementation methods for forming a predetermined consumer balance transaction group by referring to or modifying the present invention. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the group configuration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for accessing the server through a communication network or an IEEE 802.16x based portable Internet, etc., for registering consumer loan group establishment application information including the customer personal information and group configuration condition information, and When requesting registration of the consumer loan group establishment application information including the customer personal information and group composition condition information for the consumption loan transaction group configuration of the server (400), the server predetermined information for registration of the consumer loan group establishment application information Generating (or extracting) a web page corresponding to a registration interface (405), and generating (or extracting) the communication through the communication channel The web page is transmitted to the terminal and output (410).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) the consumer loan group establishment application information in the terminal.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the consumer loan group establishment application information procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) at least one or more pieces of customer personal information and group configuration condition information through the information registration interface (415).

If the terminal inputs (or selects) the consumer loan group establishment application information including the customer personal information and group configuration condition information through the information registration interface (420), the terminal receives the input through the communication channel ( Alternatively, the selected consumption balance group establishment application information is transmitted to the server (425).

According to an embodiment of the present invention, transmitting the input (or selection) of the consumption balance group establishment request information through the communication channel to the server may include establishing the consumption balance group input (or selection) through the information registration interface. The application information may be made by transmitting the electronic signature or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the consumption balance group establishment request information through the communication channel to check the validity of the customer personal information and the group configuration condition information included in the consumption balance group establishment request information (430).

According to an embodiment of the present invention, the validity of the customer personal information and group composition condition information may be determined by electronic signature or encryption of the customer personal information and group composition condition information through a security module provided at the terminal. In this case, the method may further include decoding the customer personal information and group composition condition information.

According to an embodiment of the present invention, the validity check is, if the customer is a pre-registered customer, the server is a member of the customer stored in the storage medium 350 and the customer personal information received from the information registration terminal By comparing the information, it is characterized in that the match.

If the validity of the customer personal information and group composition condition information is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits the web page to the terminal (440). Do not perform information registration procedure and group establishment procedure corresponding to information, group composition condition information.

On the other hand, if the validity of the customer personal information, group composition condition information included in the consumer loan group establishment application information is authenticated (435), the server establishes a predetermined group based on the consumer loan group establishment application information; 445, a virtual account corresponding to the group to be established is given (450).

In addition, the server associates the group establishment request information and the group virtual account information corresponding to the established group and stores the group virtual application information in a predetermined storage medium 350 (455).

Thereafter, the server posts (or provides) group establishment application information corresponding to the established group through the web to recruit the group members (460), and the group information and group composition condition information are posted (or provided). If a predetermined customer who confirms the group information and group composition condition information wishes to join the group, the individual of the desired customer to join in response to the subscription selection (or input) of the desired customer By confirming the information, the group automatically joins the group (465).

According to the method of the present invention, the server checks the personal information of the desired customer to join, compares the confirmed subscription customer personal information with the group configuration condition information, and determines whether the customer can join, It is preferable to process the group join of the customer according to the determination result.

In addition, the server provides the subscription request customer information to the group establishment customer (eg, a shop), and confirms whether or not the subscription establishment customer can join from the group establishment customer, and according to the confirmation result, the subscription hope It is desirable to handle the customer's joining the group.

5 is a diagram illustrating a consumption balance group configuration system for configuring a predetermined consumption balance transaction group according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates a group including group member information (or member information or customer personal information) in which a predetermined customer constitutes the predetermined consumption transaction group through a predetermined information registration interface. If the configuration condition information is provided, the system configuration for configuring a predetermined group based on the provided group configuration condition information in the group configuration server 500 on the consumer balance group configuration system, the present invention is generally Those skilled in the art will be able to infer various implementation methods for the composition of the consumption balance group composition system for the predetermined consumption balance group by referring to or modifying the drawing 5, but the present invention provides all the implementations inferred above. It includes a method, and is not limited to the embodiment method shown in FIG.

For example, the group composition server 500 registers group member information (or member information or customer personal information) to form the consumer loan transaction group in advance in a predetermined storage medium 540 and stores the group member information. When applying for a group subscription, the stored group member information (or member information or customer personal information) is compared with the group subscription application customer information, and a group having the customer as the member may be formed according to a comparison result.

Hereinafter, group member information (or member information or customer personal information) and group condition information for constituting the consumer loan transaction group provided from the customer through a predetermined information registration interface on the consumer loan group configuration system shown in FIG. The component corresponding to at least one or more means or functional configuration for constructing (or establishing) a predetermined consumer loan transaction group based on the group composition condition information including a "group composition server 500 (or group establishment server) for convenience. ) "

According to an exemplary embodiment of the present invention, the group composition server 500 receives the group member information (or member information or customer information) collectively to form the consumer loan transaction group from the customer and collects the consumer loan group. Or collectively receiving group member information (or member information or customer information) to form the consumer loan transaction group from the customer and storing the group member information (or member information or customer information) in a predetermined storage medium 540 and applying to join the group later. And comparing at least one member information (or member information or customer information) stored in the storage medium 540 to at least one means or function configuration for performing the group joining process of the customer. It features.

In addition, according to an embodiment of the present invention, the group composition server 500 grants a predetermined virtual account corresponding to the configured consumption balance group, and accounts for the consumption balance group virtual account and the group members (or virtual). Account) and at least one or more means or functional configuration for linkage processing), in addition to other means or functional configuration within the scope of the present invention without departing from the spirit of the present invention in the process of implementing the present invention It may be further included.

Referring to FIG. 5 according to an embodiment of the present invention, a consumption balance group configuration system for configuring the predetermined consumption balance transaction group includes a wired terminal used by a customer to collectively register member (or customer) information to be included in the group. Or an information registration terminal including at least one client terminal or the like including at least one wireless terminal, wherein the information registration terminal is provided on the consumer loan group configuration system through a predetermined network means. The group configuration server 500 and the communication channel is connected.

According to one embodiment of the invention, the customer is connected to the group configuration server 500 via at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, the group Entering (or selecting) group composition condition information including group member information (or member information or customer personal information) to form a predetermined consumer transaction group through at least one user interface provided by the configuration server 500. In addition, the client terminal preferably transmits the group configuration server 500 provided on the consumption balance group configuration system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or at least one home appliance terminal (eg, Set-Top-Box, etc.) connected to the TCP / IP-based communication network.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or A wireless device connected to the DataTAC / Mobitex based wireless data communication network It is preferable to include at least one or more data communication terminals.

In addition, the network means for connecting the client terminal and the group configuration server 500 is a CDMA-based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication network connected to the client terminal Any one of the data communication networks, or preferably includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the group configuration server 500, and inputs or selects at least one or more information through the user interface to transmit the group configuration server 500. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the group configuration server 500, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the consumer balance group composition system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the group configuration server 500. Alternatively, the wireless communication network may perform a function of an information registration interface for registering, by the customer, group composition condition information including group member information (or member information or customer personal information) to form the predetermined consumer loan transaction group. .

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or may further include a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, and the present invention is not limited thereto.

In the consumer loan group configuration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown) and the group composition server 500 The wired telephone network or the wireless telephone network to be connected has a function of an information registration interface for registering group configuration condition information including group member information (or member information or customer personal information) for the customer to form the predetermined consumer loan transaction group. Can be done.

The storage medium 540 provided on the consumer balance group configuration system according to the present invention includes a group configuration including the group member information (or member information or customer personal information) and group condition information provided from the information registration terminal. And storing the group information in association with the condition information in a predetermined storage medium 540, wherein the group member information (or member information or customer personal information) and group condition information stored in the storage medium 540 are stored in the predetermined storage medium 540. Used to form a consumer balance sheet group.

The group member information (or member information or customer personal information) includes member ID, nickname, name, social security number, address, telephone number (including mobile number), account number (or virtual account number) for members to be included in the group, It may include at least one or more job names.

In addition, the group member information (or member information or customer personal information) may include age group, gender, region, transaction period, transaction history (transaction amount, etc.), whether a particular company (or group) works, occupation, religion, hobby, etc. At least one or more may be made.

The group composition condition information is the condition information for the group in which the customer is to be configured, the number of members (for example, two or more) to form the group, the purpose of group composition (for example, for money (or for money) transactions) And at least one group).

According to another exemplary embodiment of the present invention, when the group composition condition information registration process is included in the membership registration process of the customer or in parallel with the membership registration process, the customer personal information or group composition condition information is registered by the customer. Application information may be further included.

According to another exemplary embodiment of the present invention, if the storage medium 540 comprises a consumer loan group whose members satisfy the group configuration condition information, the consumer loan group composition detail information and the customer subscription request Information or group member information can be further linked and stored.

According to one embodiment of the invention, the storage medium 540 is preferably provided on the group configuration server 500 provided on the consumer balance group composition system (or associated with the consumer balance group composition system). The present invention is not limited thereto.

The group composition server 500 provided on the consumer balance group composition system according to the present invention is a generic term for the components of the consumer balance group configuration system connected to the information registration terminal through a predetermined network means, and includes at least one or more components. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the group configuration server 500 is characterized in that it comprises an interface unit 505 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 505 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 505 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the group configuration server 500, the interface unit 505 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 505 may be configured based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 505 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the group configuration server 500, the interface unit 505 is based on the CDMA protocol. It connects a communication channel with a terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 505 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 505 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 5, the group configuration server 500 connects a communication channel with the group configuration server 500 through the interface unit 505 after a predetermined information registration terminal is connected to the interface unit 505. And a predetermined user interface for inputting (or selecting) group composition condition information including group member information (or member information or customer personal information) to form a predetermined consumer loan transaction group in the information registration terminal. An interface providing unit 510 which generates (or extracts) and provides the information registration terminal to the information registration terminal and a predetermined input (or selection) transmitted by the information registration terminal through the user interface in conjunction with the interface unit 505. The number of pieces of information that receives group composition condition information, including group member information (or member information or customer personal information) that will form a consumer balance sheet. The unit 515 and the group configuration condition information including the group member information (or member information or customer personal information) to form the predetermined consumer loan transaction group are stored in a predetermined storage medium 540. And an information storage unit 525.

The interface providing unit 510 connects a communication channel with the group configuration server 500 through the interface unit 505 and then corresponds to the functional configuration provided in the information registration terminal. Predetermined that can input (or select) group composition condition information including group member information (or member information or customer personal information) to form a consumer loan transaction group, and transmit it to the group composition server 500 through the network means. Generating a user interface or extracting from a predetermined database (not shown) and providing the generated (or extracted) user interface to the information registration terminal through the network means in association with the interface unit 505. It is characterized by.

Subsequently, the information registration terminal inputs (or selects) group composition condition information including group member information (or member information or customer personal information) to form a predetermined consumer loan transaction group based on the user interface, The input (or selected) group composition condition information is transmitted to the group composition server 500 through the network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 510 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 510 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 510 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 505. desirable.

According to another embodiment of the present invention, a predetermined device having at least one user interface for inputting (or selecting) the group configuration condition information to the information registration terminal and transmitting the group configuration condition information to the group configuration server 500 through the network means. When the information registration program is provided, the interface providing unit 510 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 515 inputs (or selects) group composition condition information through the user interface at the information registration terminal and transmits the group composition condition information through the network means. And receiving the received group configuration condition information to the validity confirming unit 520.

The validity confirming unit 520 is a feature for checking whether the group configuration condition information received from the information registration terminal satisfies the validity for the configuration of a predetermined balance of consumption transaction.

According to the embodiment of the present invention, the validity check, when the customer is a customer who has already subscribed as a member, the validity check unit 520 is the customer personal information received from the information registration terminal and the storage medium 540 Comparing the member information of the customer stored in the, characterized in that to confirm the match.

The information storage unit 525 stores group configuration condition information including group member information (or member information or customer personal information) that will constitute the predetermined consumer loan transaction group on the storage medium 540. If the storage medium 540 is provided in the group configuration server 500 or on the network associated with the group configuration server 500, the information storage unit 525 may receive the received predetermined information. Preferably, the storage medium 540 stores group composition condition information including group member information (or member information or customer personal information) to constitute a consumer loan transaction group.

Referring to FIG. 5, the group composition server 500 may store group member information (or member information or customer personal information) to form a predetermined consumption transaction group (or stored in the storage medium 540). A group constitution unit 530 for constructing (or establishing) a predetermined group based on the group configuration condition information including information; and a virtual account establishing unit 535 for establishing a virtual account corresponding to the configured (or establishing) group. It is characterized by consisting of.

According to an embodiment of the present invention, the group composition unit 530 may include group member information (or member information or information) to form a consumer loan transaction group included in the group composition condition information transmitted collectively from the group establishment request customer. A group corresponding to the group configuration condition information based on the customer personal information).

In addition, according to another embodiment of the present invention, group member information (or member information or customer personal information) to form a consumer loan transaction group included in the group composition condition information transmitted collectively from the group establishment request customer. A group stored in the storage medium 540 when the customer requests to join the group stored in the storage medium 540 and corresponding to group member information (or member information or customer personal information) stored in the storage medium 540. The group member may be configured by comparing member information (or member information or customer personal information) with the group subscription request customer information.

The virtual account establishment unit 535, when a predetermined group is configured through the group configuration unit 530, characterized in that to open a virtual account corresponding to the configured group.

According to the method of the present invention, the group virtual account opened through the virtual account opening unit 535 is characterized in that for the deposit and withdrawal required in the process of performing a predetermined money balance transaction through the group, The group virtual account is preferably associated with the group member's account (or virtual account), and is used for distribution of the collection or profit from each member (or member account).

FIG. 6 is a diagram illustrating a process of forming a consumer loan transaction group in which predetermined customers collectively provide a plurality of customer information to be included in a group according to an exemplary embodiment of the present invention, wherein the provided customers are group members.

In more detail, in FIG. 6, the group configuration server 500 on the consumption balance group configuration system illustrated in FIG. 5 has a web server function to which a client terminal can be connected through a predetermined network means, and the client terminal is connected to the group. Communication for registration of group configuration condition information including group member information (or member information or customer personal information) for constituting the consumer balance group in order to configure the consumer balance group according to the present invention by accessing the configuration server 500. After connecting the channel, if the group configuration condition information including group member information (or member information or customer personal information) to form the consumer loan transaction group to the group configuration server 500 through the communication channel, Group member information (or member information or customer included in the group configuration condition information received by the group configuration server 500) The process of opening the consumer balance group based on personal information), and those skilled in the art to which the present invention pertains, refer to or modify this drawing 6 to form a predetermined consumer balance group Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the client terminal shown in FIG. 5 will be referred to as "terminal" for convenience, and the group configuration server 500 shown in FIG.

Referring to Figure 6, the client terminal shown in Figure 5 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A network for accessing the server through a communication network or an IEEE 802.16x-based mobile Internet), connecting a predetermined communication channel for registering the customer personal information and group composition condition information, and forming the predetermined consumer transaction group. When requesting registration of group composition condition information including member information (or member information or customer personal information) (600), the server generates a web page corresponding to a predetermined information registration interface for registering the group composition condition information ( Or (605), and transmits and outputs the generated (or extracted) web page to the terminal through the communication channel (610).

According to an embodiment of the present invention, the information registration interface inputs (or selects) group composition condition information including group member information (or member information or customer personal information) to form the predetermined consumer loan transaction group in the terminal. It is desirable to include a user interface).

In addition, the web page transmission or output process is preferably performed at least once according to the group configuration condition information registration procedure including the group member information (or member information or customer personal information) to form the predetermined consumer loan transaction group. The present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) group configuration condition information including group member information (or member information or customer personal information) to form a predetermined consumer loan transaction group through the information registration interface (615).

If the terminal configuration condition information including group member information (or member information or customer personal information) to form the predetermined consumer loan transaction group is input (or selected) through the information registration interface (620), The terminal transmits the input (or selected) group configuration condition information to the server through the communication channel (625).

According to an embodiment of the present invention, transmitting the input (or selection) of the group configuration condition information to the server through the communication channel may include receiving the group configuration condition information (or selection) input through the information registration interface. The method may further include transmitting the electronic signature or encryption to the server through a security module provided in the terminal.

Thereafter, the server receives and reads the group composition condition information through the communication channel to check the validity of the group member information (or member information or customer personal information) and the group condition information included in the group composition condition information. (630).

According to an embodiment of the present invention, checking the validity of the group configuration condition information may include decrypting the group configuration condition information when the group configuration condition information is electronically signed or encrypted through a security module provided in the terminal. It can be made further comprising.

According to the exemplary embodiment of the present invention, the validity check is performed when the customer corresponding to the group member information (or member information or customer personal information) included in the group configuration condition information is a customer who has already subscribed as a member. The group member information (or member information or customer personal information) included in the group configuration condition information received from the information registration terminal is compared with the customer member information previously stored in the storage medium 540 to check whether there is a match. It is done.

If the validity of the customer personal information and group composition condition information is not authenticated (635), the server generates a web page including a predetermined information registration error and a group establishment error information and transmits it to the terminal ( 640, the information registration procedure and the group configuration procedure corresponding to the group configuration condition information are not performed.

On the other hand, if the validity of the group configuration condition information is authenticated (635), the server joins the group to the customers (or members) based on the customer information (or member information) included in the group configuration condition information. After establishing a group having the customer (or member) as a member (645), granting a virtual account corresponding to the opened group (650), the group virtual account information and the group information and group members The information is linked and stored in a predetermined storage medium 540 (655).

Thereafter, the server generates (or extracts) a web page including the information registration and group configuration history information and transmits the generated web page to the terminal (660).

7 is a diagram illustrating a configuration of a consumer information registration system for consumer loan transactions according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates that when a given consumer borrower customer provides customer information for consumption loan transaction and consumption loan transaction condition information to the information registration system through a predetermined information registration interface, an information registration server (not shown) on the information registration system ( 700 is a system configuration for storing the given customer information, consumption loan transaction condition information in a predetermined storage medium 730, and if the person of ordinary skill in the art to which the present invention belongs Although various implementation methods for the configuration of a consumer information registration system for a consumer loan transaction may be inferred by referring to or modifying the drawings, the present invention includes all the implementation methods inferred from the above, and is illustrated in FIG. It is not limited to the method alone.

Hereinafter, on the consumer information registration system shown in FIG. 7, the customer information provided from the consumer customer and the loan condition information of the consumer are stored in the storage medium 730 through a predetermined information registration interface. Components corresponding to at least one or more means or functional configurations are referred to as " information registration server 700 " for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, a consumer information registration system for a consumer loan transaction includes at least one client terminal including at least one wired terminal or a wireless terminal used by the consumer customer. And an information registration terminal including the information registration terminal, wherein the information registration terminal is connected to a communication channel with an information registration server 700 provided on the consumer information registration system through a predetermined network means.

According to an exemplary embodiment of the present invention, the consumer may access the information registration server 700 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. When the customer information for the consumer loan transaction and the consumer loan transaction condition information are input (or selected) through at least one user interface provided by the information registration server 700, the client terminal receives the user information through a predetermined network means. It is preferable to transmit to the information registration server 700 provided on the information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or at least one home appliance terminal (eg, Set-Top-Box, etc.) connected to the TCP / IP-based communication network.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

The network means for connecting the client terminal and the information registration server 700 may be a CDMA based mobile communication network, an IEEE 802.16x based mobile Internet, or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. Any one of the data communication networks, or preferably includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 700, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 700. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 700) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the consuming customer, and at least one wired communication network connecting the client terminal and the information registration server 700 or The wireless communication network may perform a function of an information registration interface for the consumer borrower customer to register customer information and consumer loan transaction condition information for the consumer loan transaction.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or may further include a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, and the present invention is not limited thereto.

In the information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) are connected to the information registration server 700. The wired telephone network or the wireless telephone network may perform a function of an information registration interface for the consumer borrower customer to register customer information and consumer loan transaction condition information for the predetermined consumer loan transaction.

The storage medium 730 provided on the information registration system according to the present invention is characterized in that the customer information provided from the information registration terminal, consumer loan transaction condition information is processed in association with the predetermined storage medium 730 to store. The customer information stored in the storage medium 730 and the loan balance transaction condition information may be consumed with the consumer loan group configured (or established) through the group configuration system shown in FIG. 1 or 3 or 3. It is used for loan transactions.

The consumer information may include at least one member ID, name, social security number, address, telephone number (including mobile number), account number (or virtual account number) of the customer.

The consumer loan transaction condition information may include at least one transaction period information, a transaction interest rate information, and a transaction amount limit information for a consumer loan transaction.

According to one embodiment of the invention, the storage medium 730 is preferably provided on the information registration server 700 provided on the information registration system (or associated with the information registration system), thereby The present invention is not limited.

The information registration server 700 provided on the information registration system according to the present invention is a generic term for the information registration system-side components connected to the information registration terminal through a predetermined network means, and includes at least one server (or device). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 700 is characterized by comprising an interface unit 705 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 705 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 700, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol, and the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 705 may be configured based on the protocol stack defined in the wireless communication network. It is desirable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 705 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 700, the interface unit 705 is connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 705 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 705 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 7, the information registration server 700 connects a communication channel with the information registration server 700 through the interface unit 705 and then connects the communication unit 705 with the interface unit 705. Interface providing unit 710 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined customer information and consumption balance transaction condition information from the information registration terminal to the information registration terminal. And an information receiving unit 715 for receiving predetermined customer information and consumption balance transaction condition information inputted (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 705; And an information storage unit 725 for storing the received customer information and consumption transaction transaction condition information in a predetermined storage medium 730. do.

The interface providing unit 710 connects a communication channel with the information registration server 700 through the interface unit 705 after the predetermined information registration terminal corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) customer information and consumer loan transaction condition information to the information registration server 700 through the network means, or extracting from a predetermined database (not shown). And providing the generated (or extracted) user interface to the information registration terminal through the network means in association with the interface unit 705.

Thereafter, the information registration terminal inputs (or selects) the customer information and consumption loan transaction condition information based on the user interface, and inputs the (or selected) customer information and consumption loan transaction condition information through the network. It transmits to the information registration server 700.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 710 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 710 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 710 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 705. desirable.

According to another embodiment of the present invention at least one or more user interface for inputting (or selecting) the customer information, consumer loan transaction conditions information to the information registration terminal via the network means to the information registration server 700 When a predetermined information registration program is provided, the interface providing unit 710 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 715 inputs (or selects) customer information and consumption loan transaction condition information through the user interface through the user interface, and transmits the information through the network means. Characterized in that it receives customer information, consumption loan transaction condition information, and provides the received customer information, consumption loan transaction condition information to the validity verification unit 720.

The validity confirming unit 720 is characterized in that the customer information received from the information registration terminal, the balance of payment terms and conditions of the consumer satisfies the validity for the balance of consumption with the consumer group.

According to the method of the present invention, the validity check, when the consumer is a customer that the customer already subscribed as a member, the validation unit 720 is the customer information received from the information registration terminal and the storage medium 730 By comparing the member information of the customer stored in the), it is characterized in that whether or not matching.

The information storage unit 725 stores the information on the storage medium 730 by cooperatively processing the customer information and the consumption balance transaction condition information, and the storage medium 730 is stored in the information registration server 700. If provided, or provided on the network associated with the information registration server 700, the information storage unit 725 to the storage medium 730 by processing the received customer information and the consumption transaction conditions information in association It is desirable to store.

FIG. 8 is a diagram illustrating a process of registering borrower information for a consumer loan transaction according to one embodiment of the present invention.

In more detail, FIG. 8 illustrates a case where the information registration server 700 on the information registration system shown in FIG. 7 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 700 and connecting a communication channel for registering customer information, consumption loan transaction condition information for consumption loan transaction with the consumer loan group according to the present invention, the information registration server through the communication channel When the customer information and the consumption balance transaction condition information are transmitted to the 700, the information registration server 700 stores the data on the predetermined storage medium 730 by cooperatively processing the received customer information and consumption balance transaction condition information. As for the process, one of ordinary skill in the art to which the present invention pertains can refer to or modify this drawing 8, Various implementation methods for registering non-dwelling information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the client terminal shown in FIG. 7 is referred to as "terminal" for convenience, and the information registration server 700 shown in FIG. 7 is called "server" for convenience.

Referring to FIG. 8, the client terminal illustrated in FIG. 7 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). A predetermined communication channel for accessing the server through the communication network or the IEEE 802.16x-based portable Internet, and the like to register the customer information and the consumption balance transaction condition information, and the customer information for the predetermined consumption balance transaction. When requesting to register consumption loan transaction condition information (800), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the customer personal information and group composition condition information (805), The generated (or extracted) web page is transmitted to the terminal and output through the communication channel (810).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) the customer information and consumption transaction transaction information in the terminal.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the customer information, consumer loan transaction condition information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) at least one or more customer information and consumption loan transaction condition information through the information registration interface (815).

If the customer information and consumption loan transaction condition information are input (or selected) through the information registration interface in the terminal (820), the terminal receives the customer information and consumption loan through the communication channel. The transaction condition information is transmitted to the server (825).

According to an embodiment of the present invention, transmitting the input (or selected) customer information and consumption loan transaction condition information to the server through the communication channel, the customer information input (or selected) through the information registration interface. The electronic device may further include electronically signing or encrypting the consumption loan transaction condition information through a security module provided in the terminal, and transmitting the same to the server.

Thereafter, the server receives and reads the customer information and consumption loan transaction condition information through the communication channel to check the validity of the customer information and consumption loan transaction condition information (830).

According to an exemplary embodiment of the present invention, the validity of the customer information and the consumption loan transaction condition information may be determined when the customer information and the consumption loan transaction condition information are electronically signed or encrypted through a security module provided in the terminal. It may further comprise decoding the customer information, consumption loan transaction condition information.

According to the method of the present invention, the validity check, when the customer is a customer who has already subscribed as a member, the server receives the customer information received from the information registration terminal and the member information of the customer stored in the storage medium 730 By comparing the, it is characterized by checking whether the match.

If the validity of the customer information and consumption loan transaction condition information is not authenticated (835), the server generates a web page including predetermined information registration error information and transmits the webpage to the terminal (840). However, the information registration procedure for consumption loan transaction condition information is not performed.

On the other hand, when the validity of the customer information and the consumption loan transaction condition information is authenticated (835), the server performs the information registration procedure corresponding to the customer information and the consumption loan transaction condition information, so that the customer information and the consumption loan transaction condition The information is linked and stored in a predetermined storage medium 730 (845).

Thereafter, the server generates (or extracts) a web page including the information registration history information and transmits the generated web page to the terminal (850).

9 is a diagram showing a consumer loan transaction system based on a consumer loan transaction condition according to one embodiment of the present invention.

In more detail, FIG. 9 shows that when the consumption balance transaction condition information for the consumption loan transaction is registered from a predetermined consumer customer through the information registration system shown in FIG. 7, the information shown in FIG. 1 or FIG. 3 or FIG. Check the group to which the consumer loan request request borrower belongs among the consumer loan group configured (or opened) through the group composition system, and the consumer loan proposed by the consumer customer to another member (or group representative) of the group. After providing the transaction condition information, when the approval information for the consumption loan transaction request of the consumer borrower customer is received from another member (or group representative) of the group, the consumption balance group (or some member in the group) and the consumption The present invention relates to a configuration of a consumer loan transaction system for performing consumer loan transactions between borrower customers, which is common in the art. A person having an equation may refer to or modify this drawing 9 to infer various implementation methods for constructing a consumer loan transaction system for consumer loan transactions for members of the consumer loan group (consumer customer). The present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more means for performing a consumer loan transaction between a consumer loan request customer and a consumer loan group (or a member of the group) to which the consumer loan customer belongs on the consumer loan transaction system shown in FIG. The component corresponding to the functional configuration is called "consumption loan transaction server 900" for convenience.

In addition, in FIG. 9, the consumption balance transaction server 900 includes a function configuration corresponding to the means or function configuration, but this is to explain the consumption balance transaction system more clearly. Do not. For example, at least one or more functional components provided in the consumer loan transaction server 900 may be configured as respective servers (or means) in a network associated with the consumer loan transaction system.

Referring to FIG. 9 according to an embodiment of the present invention, a consumer loan transaction system for a consumer loan transaction includes a storage medium storing consumer loan group information and consumer loan group member (eg, group representative, etc.) information. It characterized in that it comprises a 940, wherein the storage medium 940 is provided in the consumer loan transaction server 900, or on the consumer loan transaction system provided with the consumer loan transaction server 900. Or on a network associated with the consumer loan transaction system.

The consumer loan transaction server 900 provided on the consumer loan transaction system according to the present invention includes at least one server (or device) or is recorded on a recording medium provided in a predetermined server (or device). It may be implemented by at least one or more programs, by which the present invention is not limited.

Referring to FIG. 9, the consumer loan transaction server 900 includes a group to which the consumer of borrowed customers established through the consumer loan group configuration (or establishment) system shown in FIG. 1, 3, or 5 belongs (or A group page for the consumer loan transaction condition information for the consumer loan transaction of the consumer of the consumer shown in FIG. 7 (or e-mail, wired / wireless telephone, mobile phone, text message, blog, messenger, fax). Etc.), the information providing unit 905 is provided.

Referring to FIG. 9 in accordance with an embodiment of the present invention, the consumer loan transaction system includes at least one client terminal including at least one wired terminal or wireless terminal used by the consumer balance group member (or group representative). Characterized in that it comprises an information approval terminal, the information approval terminal is connected to the communication channel and the consumer loan transaction server 900 provided on the consumer loan transaction system through a predetermined network means.

According to one embodiment of the present invention, the consumer loan group member (or group representative) is the consumer loan transaction server through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. And access (900) the consumption balance transaction approval information for the consumer borrower customer (member) who requested the consumption balance transaction through at least one user interface provided by the consumption balance transaction server (900). In this case, the client terminal preferably transmits through the predetermined network means to the consumer loan transaction server 900 provided on the consumer loan transaction system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or at least one home appliance terminal (eg, Set-Top-Box, etc.) connected to the TCP / IP-based communication network.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the network means for connecting the client terminal and the consumer loan transaction server 900 is based on the CDMA-based mobile communication network or IEEE 802.16x-based portable Internet or DataTAC / Mobitex-based depending on the type of wireless communication network connected to the client terminal Any one of the wireless data communication networks, or preferably includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the consumer trade transaction server 900, and inputs or selects at least one or more information through the user interface to the consumer loan transaction server 900. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the consumer loan transaction server 900, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the consumer loan transaction system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the consumer balance group member (or group representative), the client terminal, and the consumer loan transaction server 900 are provided. The at least one wired or wireless communication network to be connected is information for selecting (or inputting) loan transaction approval information for a consumer customer (member) from which the consumer loan group member (or group representative) requested the consumer loan transaction. Can function as a selection interface.

According to another embodiment of the present invention, the information approval terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or may further include a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, and the present invention is not limited thereto.

In the consumer loan transaction system as described above, when the information approval terminal is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown) and the consumption loan transaction server 900 may be used. The wired telephone network or the wireless telephone network to be connected is connected to an information selection interface for selecting (or inputting) loan transaction approval information for a consumer customer (member) for whom the consumer loan group member (or group representative) requested the consumer loan transaction. Function can be performed.

According to an embodiment of the present invention, the consumer loan transaction server 900 is provided with an information providing unit 910 for connecting and managing the information approval terminal and a predetermined communication channel through the network means. .

According to an embodiment of the present invention, when the information approval terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the information providing unit 910 uses a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the information provider 910 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTTP protocol defined in the browser program, a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program provided by the consumer loan transaction server 900, the information providing unit 910 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information approval terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the information providing unit 910 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol, the information providing unit 910 establishes a communication channel with the client terminal based on the CDMA protocol. And a web interface (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or a communication interface for transmitting and receiving information using the WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the consumer trade transaction server 900, the information providing unit 910 is based on the CDMA protocol. It connects a communication channel with a terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information approval terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the information providing unit 910 is a voice defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a communication protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the information providing unit 910 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. do.

Referring to FIG. 9, the consumer loan transaction server 900 connects a communication channel with the consumer loan transaction server 900 through the information providing unit 910 through a predetermined information approval terminal, and then provides the information provider. In operation (910), the information approval terminal generates (or extracts) a predetermined user interface for inputting (or selecting) and sending consumption loan transaction approval information for the consumer borrower customer (group member) who requested the consumption loan transaction. Interface consumption unit 915 provided to the information approval terminal and the consumption loan transaction inputted (or selected) and transmitted from the information approval terminal through the user interface in cooperation with the information providing unit 910. An information receiver 920 that receives consumption loan transaction approval information for the requested borrower customer (member), and a consumption difference corresponding to the received consumption loan transaction approval information. Including customer (group members) and consumer lending information processing unit (925) for processing it characterized by comprising.

The interface providing unit 915 corresponds to a functional configuration provided in the information approval terminal after a predetermined information approval terminal connects a communication channel with the consumer loan transaction server 900 through the information providing unit 910. To generate (or select) consumption loan transaction approval information for the consumer borrower customer (member) who requested the consumer loan transaction, and generate a predetermined user interface which can be transmitted to the consumer loan transaction server 900 through the network means. Or extract from a predetermined database (not shown) and provide the generated (or extracted) user interface to the information approval terminal through the network means in association with the information providing unit 910. .

Thereafter, the information approval terminal inputs (or selects) consumption loan transaction approval information for the consumer borrower customer (member) who requested the consumption loan transaction based on the user interface, and the input (or selected) consumption loan transaction The authorization information is transmitted to the consumer loan transaction server 900 through the network.

According to an embodiment of the present invention, when the information approval terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 915 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the information providing unit 910.

According to another exemplary embodiment of the present invention, when the information approval terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 915 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the information providing unit 910.

According to another exemplary embodiment of the present invention, when the information approval terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 915 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS-based user interface) to the call terminal (not shown) through the information providing unit 910. It is preferable.

According to another embodiment of the present invention, the consumer loan transaction approval information for the consumer borrower customer (member) who requested the consumer loan transaction is input (or selected) to the information approval terminal, and the consumer loan transaction server ( If a predetermined information selection program having at least one user interface to transmit to the 900 is provided, the interface providing unit 915 for providing the user interface to the information approval terminal may be omitted. This is not limited.

When the information receiving unit 920 inputs (or selects) consumption loan transaction approval information for the consumer borrower customer (member) who requested the consumption loan transaction through the user interface, the information approval terminal 920 transmits the information through the network means. And the consumption loan transaction approval information for the consumer borrower customer (member) who requested the consumption loan transaction in cooperation with the information providing unit 910, and the information processing unit receives the received loan transaction approval information. Provided at 925.

The information processing unit 925 consumes the consumption borrower customer (member) who requested the consumption loan transaction selected (or input) by at least one member (or representative) of the consumer loan group through the information receiving unit 920. When at least one loan transaction approval information is received, the consumer balances between the consumer borrower customer (group member) and the consumer loan group to which the consumer borrower customer belongs to correspond to the received consumer loan transaction approval information. It is done.

According to the implementation method of the present invention, the information processing unit 925 is the consumer group according to the consumer loan transaction period information and transaction interest rate information, transaction amount limit information, etc. specified in the consumer loan transaction conditions information presented by the consumer borrower group Withdraw the consumption balance amount from the account (or virtual account) opened in the name of the consumer loan group member (or group representative), and deposit the money into the account (or virtual account) opened in the name of the consumer of the consumer. It is characterized by.

Referring to FIG. 9, when the consumer loan transaction server 900 performs the consumer loan transaction corresponding to the consumer loan transaction condition between the consumer loan group and the consumer customer (group member) through the information processing unit 925. The storage unit 935 may further include an information storage unit 935 configured to process the consumption loan transaction details in association with the consumption balance group information and the consumer borrower customer information in a predetermined storage medium 940.

In addition, referring to Figure 9, the consumer loan transaction server 900 after the consumer loan transaction corresponding to the consumer loan transaction conditions between the consumer loan group and the consumer borrower customer is performed, the predetermined amount for the consumer loan transaction If the revenue of (eg, interest, etc.) is generated, it may be configured to further include a profit distribution unit 930 for allocating the generated interest to the consumer group members.

Here, the profit sharing unit 930, by identifying the ratio of the amount of money participating in the consumption balance transaction between the groups of the group, the consumer group, characterized in that the distribution of the generated profit in accordance with the participation amount ratio.

10 is a view showing a consumer loan transaction process through the representative of the consumer loan group according to another embodiment of the present invention.

In more detail, in FIG. 10, consumption loan transaction condition information for a consumption loan transaction is registered from a predetermined consumer customer through the information registration system shown in FIG. 7, and shown in FIG. 1 or 3 or 5 When the group to which the consumer loan request request borrower belongs is identified among the consumer loan groups configured (or opened) through the group composition system, the consumer loan group of the group to which the consumer borrower customer belongs in the consumer loan transaction system shown in FIG. After providing the consumer loan transaction condition information presented by the consumer customer to another member (or group representative), the approval information for the consumer loan transaction request of the consumer customer from the other member (or group representative) of the group is provided. When received, the process for performing a consumer loan transaction between the consumer loan group (or some member of the group) and the consumer customer. As those skilled in the art to which the present invention pertains, various embodiments of the present invention can be inferred by referring to or modifying the drawing 10 to perform consumer loan transactions for members of the consumer loan group (consumer customer). As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the information approval terminal shown in FIG. 9 is referred to as a "terminal" for convenience, and the consumer loan transaction server 900 shown in FIG. 9 is referred to as a "server" for convenience.

Referring to FIG. 10, the illustrated embodiment is a group (or group representative) to which the consumer-customer established by the server through the consumer loan group configuration (or establishment) system shown in FIG. 1 or 3 or 5 belongs. 7) the web page (or communication means (e.g., email, wired / wireless phone, text message, blog, messenger, fax, etc.) for the consumer loan transaction condition information for the consumer loan transaction of the consumer loan customer shown in FIG. It can be initiated from the process of providing through (1000).

Subsequently, when the information approval terminal used by the consumption balance group member (or group representative) is a predetermined network means (for example, when the information approval terminal is a wired terminal, a TCP / IP based wired communication network, the information approval terminal is a wireless terminal). In the case of using the CDMA-based mobile communication network, or IEEE 802.16x-based portable Internet, etc.) to select (or input) loan transaction approval information for the consumer customer (member) who requested the loan transaction. After connecting a predetermined communication channel and requesting selection (or input) of consumption loan transaction approval information for the consumer customer (member) who requested the consumption loan transaction (1005), the server requests the consumer loan transaction. Create a web page corresponding to a predetermined information selection interface for selecting (or inputting) loan transaction approval information for a customer (member) Extraction) and 1010, and transmits to output the web page via the communication channel the generated (or extracted) to the mobile station 1015.

According to an exemplary embodiment of the present invention, the information selection interface preferably includes a user interface for selecting (or inputting) loan transaction approval information for a consumer customer (member) who has requested the loan transaction. Do.

In addition, the web page transmission or output process is preferably performed at least once in accordance with the procedure for selecting (or input) the loan transaction approval information for the customer (member) of the consumer borrower requesting the consumer loan transaction, thereby This is not limited.

Thereafter, the terminal inputs (or selects) consumption loan transaction approval information for the consumer borrower customer (member) who requested the consumption loan transaction through the information registration interface (1020).

If the consumption balance transaction approval information is selected (or input) for the consumer customer (member) who requested the consumption loan transaction through the information selection interface (1025), the terminal receives the input through the communication channel. The consumption balance transaction approval information (or selection) is transmitted to the server (1030).

Thereafter, the server withdraws the consumption loan transaction amount corresponding to the consumption loan transaction condition information from the consumption loan group account (or the virtual account) (1035), and calculates the withdrawal consumption loan transaction amount from the consumer loan customer account (or Virtual account) and deposits the payment balance transaction information in association with the consumption balance group (or consumption group member) information and the borrower customer information and stores the consumption balance information in a predetermined storage medium 940. .

Here, the consumer group account (or virtual account) may include an account (or virtual account) opened in the name of the members of the consumer loan group.

In addition, in response to the consumption loan transaction condition information, the server confirms the consumption loan transaction amount repayment and the interest amount (1045), and distributes the confirmed interest income to the consumption balance group member at a predetermined ratio (1050). .

According to the method of the present invention, the server checks the amount of money (or value corresponding to the amount of money) provided by the consumption balance group member to the consumption balance transaction amount, and the interest income and the like are correspondingly corresponding to the consumption balance transaction amount. Deposits can be made to the lender group member account (or virtual account).

According to the present invention, by performing a consumer balance transaction between a consumer borrower customer requesting a consumer loan transaction and a group (or a part (or all of the group members)) to which the consumer borrower customer belongs, thereby activating the consumption loan group and in the group. It has the advantage of enabling safer and more convenient consumer loan trading.

Claims (9)

When a predetermined consumer borrower customer registers consumption loan conditions, the registered consumer loan condition information and the consumer loan customer information are provided to the group members (or group representatives) to which the consumer borrower customer belongs by predetermined information providing means. Providing information; And If the group members (or group representatives or members of one or more of the group members) approve the loan transaction corresponding to the loan condition information, the group (or one or more members of the group members) in a predetermined information processing means. And an information processing step of relaying consumption loan transactions between consumer borrower customers belonging to the group. The method of claim 1, wherein the providing of the information comprises: And providing the consumption loan condition information and the consumer borrower customer information through the group-dedicated web page, or as a group member (or group representative) communication means. The method of claim 1, wherein the information processing step, Withdraw the amount of the loan from the account (or virtual account) opened in the name of the group (or group representative or one or more members of the group members), and deposit it into the account (or virtual account) opened in the name of the consumer of the consumer. Processing to be processed; And concatenating the consumer loan transaction condition information, the consumer loan transaction detail information, the group (or one or more members of the group members) information, and the consumer loan customer information to a predetermined storage medium. A method for handling consumption loan transactions relayed between group members. The method of claim 1, wherein the consumer loan transaction condition information, And at least one transaction period information, a transaction interest rate information, and a transaction amount information for a consumer loan transaction. The method of claim 1, wherein the consumer loan transaction, Method of handling the balance of consumption transactions between group members, characterized in that the balance of consumption transactions using cash or points. A recording medium which records a program for executing the method of claim 1. Information providing means for providing the registered consumption condition information and the consumption borrower customer information to group members (or group representatives) to which the consumption customer belongs, when a predetermined consumption customer registers the consumption loan condition; And When the group members (or group representatives or members of one or more of the group members) approve the consumption loan transaction corresponding to the loan condition information, belonging to the group (or one or more members of the group members) and the group Consumption loan transaction relay processing system for a group member comprising a; The method of claim 7, wherein When the revenue corresponding to the consumer loan transaction occurs, further comprising a revenue distribution means for distributing the generated revenue to the group members (or one or more members of the group members) consumption balance between group members Relay processing system. The method of claim 7, wherein each of the means, On a single server, or Consumption loan transaction relay processing system, characterized in that provided in a plurality of servers.

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