KR101593120B1 - Loaning system using pos terminal and loaning process using the system - Google Patents

Abstract

The present invention relates to a system for providing a substitute service requested by a merchant through a relay server connected to a POS terminal installed in a store of an affiliated store and a lending service required for a merchant, and an agency service and a loan providing method using the same . Using the system of the present invention, the merchant can securely receive the agency service such as the delivery and / or collection service, as well as provide a low interest rate loan without submitting troublesome loan consultation or documents, can do.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a lending system using a POS terminal,

The present invention relates to a lending system using a force terminal installed in an affiliated store, and more particularly to a lending system using a force terminal installed in an affiliated store in cooperation with an agency service requested by an affiliated store, And to a method for lending by using the system.

In modern society, it is natural to deposit a small amount of extra funds in a financial institution, or to repay the supply of electricity that it needs, and to repay it according to certain conditions. Recently, low interest rate trends continue and credit institutions are expanding credit loans, not mortgage loans, according to the instructions of financial authorities. Even if there is no collateral, it is becoming easier to receive loans.

Self-employed persons who are engaged in small-scale sales in their own stores often also need to obtain loan services from financial institutions due to their business needs. At this time, a self-employed person usually visits a financial institution that he trades with and receives a loan on the condition of a predetermined loan interest rate within the limit of the loan amount set according to his credit rating. However, since self-employed business hours and financial institutions' business hours are often overlapped, it is difficult for small self-employed people to leave their own business premises and visit financial institutions to receive loan counseling. Furthermore, even if you visit a financial institution and consult a lender, lending consultation at a financial institution takes a lot of time, as well as a separate document proving the identity or sales performance of a self-employed person, such as an ID card of a self- Therefore, it is inconvenient for small self-employed who want to get a loan quickly.

In particular, in the case of credit lending, the loan amount or the loan interest rate is set in connection with the individual's credit rating. It is difficult for most small and medium-sized self-employed persons to know their own credit rating accurately. Therefore, after a self-employed person visits a financial institution and receives loan counseling, the loan amount provided by the financial institution may not reach the amount required by the self-employed person, and the loan interest rate is often higher than the self-anticipated interest rate. In this case, the self-employed may not be able to receive the loan in due time for his / her needs.

As a result, most small and medium-sized self-employed people are often borrowed through lenders who do not need to submit complaints procedures or documents for loans. However, due to the high interest rates required by these lenders, a considerable burden is placed on small and medium-sized self-employed companies to repay the loans they have borrowed from lenders, and the self- And the like.

On the other hand, a self-employed person who can not afford to visit a financial institution makes a request for a loan using a credit card or the like to an automatic teller machine (ATM) installed in a financial institution branch, a convenience store, or a subway station near the business site where he or she operates. However, since the limit of the amount of the loan through the ATM machine is usually much smaller than the limit of the loan amount through the offline loan consultation, it is difficult for the self-employed person to receive the loan as much as desired, The lending rate is also considerably higher than the lending rate through the lending counter. Therefore, a loan provided through an ATM machine does not satisfy the self-employed, and the repayment of the loan may be a considerable burden on the small-scale self-employed.

Some systems have been proposed to apply for loans to financial institutions connected to the network by using terminals installed in the stores of self-employed persons. However, the conventional lending system using a communication network merely provides a lending service to the self-employed and fails to provide other services required by the self-employed. In addition, sufficient safeguards are not mediated in relation to the repayment of the loans provided, and in some cases, financial institutions may not be able to receive the loan in good time.

Therefore, the self-employed can provide the necessary loans promptly and efficiently due to various reasons, while applying reasonable loan rates based on the credit rating of the self-employed to provide suitable loan services especially for small and medium sized self-employed persons, It is necessary to develop a lending system that can reduce the risk, ie, the risk, to financial institutions that want to repay the loan while providing various additional services to the self-employed in connection with other services that they need.

SUMMARY OF THE INVENTION The present invention has been made in order to solve the problems of the prior art described above, and an object of the present invention is to provide a self-employed person who is installed in a store of a self-employed person and utilizes a POS terminal capable of providing sales history, A lending system capable of quickly and efficiently providing loan services required for self-employed persons without complicated documents or troublesome consultation, and a method of providing a loan service using the system.

It is another object of the present invention to provide a lending system capable of providing a lending service that is free of burden to the self-employed and a method of providing a lending service using the system.

Another object of the present invention is to provide a loan system which is configured to provide a variety of services to a self-employed person in connection with an agency service required by a self-employed person, and to allow a financial institution to repay the loan without great risk, And to provide a method for providing the same.

According to an aspect of the present invention, a POS terminal installed in a store of a merchant for transmitting sales data to a VAN server and requesting an agency service and a loan service through a communication network; A relay server that is connected to the force terminal via a communication network and that mediates provision of the agent service and provision of the loan service transmitted from the force terminal, Providing a charge account to each of the agent terminals, providing the agency agent terminal with the agency service terminal requested by the force terminal when the charge account of the agent is charged with a predetermined deposit or more, And the sales data of the merchant provided from the van (VAN) server to the charging account provided to the merchant and the charging company, respectively, in association with the intermediation of the loan service, Provided to the financial company server to provide loans to the above merchants A relay server for requesting inquiry of the amount and interest rate and providing the charging account information allocated to the merchant to the financial company server; And calculating a loan amount and a loan interest rate that can be borrowed to an affiliate dealer operating the affiliated store based on the sales data transmitted from the relay server for the loan service request requested via the relay server, And a financial company server for processing the loan from the charging account of the merchant provided from the relay server.

In this case, the agent service requested by the POS terminal is a goods delivery service provided by the merchant or a collection agent service according to delivery of goods.

According to an exemplary embodiment, the relay server may include an agent service relay unit that processes the agent service of the agent service, and a loan relay unit that processes the agent service of the loan service.

For example, the agent service relay module may include an agent service registration module that processes registration of agent information and agent information through the POS terminal and the agent terminal, respectively; An agent service DB module for storing the agent information, the agent information, and the agent service information requested from the POS terminal; When the charge account of the merchant is filled with a predetermined deposit or more with respect to the agent service request transmitted from the POS terminal, transmits the requested agent service details to the agent terminal, An agent service management module for transmitting to the POS terminal a notification that the agent service has been processed; When the balance of the charging account provided to the franchisee and the agency is less than a predetermined deposit, notifies the insurance agent terminal and the insurance agent terminal of the fact that the charge provided to the agent shop and the agency And a charge account management module for performing a deposit or withdrawal process to an account.

Further, the POS terminal includes a merchant service application request unit for inputting the merchant information to request the registration of the merchant to the relay server in order to receive the agency service; A service history transmission unit for transmitting the agent service details requested by the customer to the relay server; An inquiry unit for inquiring an agent service details of the merchant registered in the relay server; And an affiliate shop account charging unit that deposits the money into the charging account of the merchant.

The agent terminal requesting registration of the agent to the relay server by inputting the agent information in order to receive the order of the agent service; A proxy service inquiry and reception unit for receiving the proxy service details requested from the relay terminal from the relay server or inquiring about the proxy service details; An agent service selecting unit for selecting an agent service description that can be provided from the agency service details requested from the relay server and transmitting the selected agency service description to the relay server; An agent charging unit for charging an agent charging account of the agent; And a GPS module capable of providing location information of the agent terminal to the relay server.

The lending relay unit may include: an affiliate shop database module that stores the affiliate shop information provided from the POS terminal; A sales breakdown receiving module for receiving sales data of the merchant from the van server; The merchant information and the sales data of the merchant transmitted from the VAN server to the financial company server in response to the loan request transmitted from the POS terminal to request inquiry of the creditable amount of the merchant shop, A loan inquiry module for receiving the loanable amount and the loan interest rate information transmitted from the merchant terminal and transmitting the same to the merchant terminal; And a charging account information module for transferring the charging account information of the merchant shop to the financial institution server so that the financial service server can redeem the loan using the charging account of the merchant shop when the final loan application is requested from the POS terminal have.

According to another aspect of the present invention, there is provided a method for providing a merchant service, comprising the steps of: A) accessing a relay server using a POS terminal and an agent terminal installed at an affiliate store to provide merchant information and agent information related to processing of an agency service; B) the relay server registers the merchant and the agency based on the information provided from the force terminal and the agent terminal, and provides charging account information to the merchant and the agent, respectively; C) requesting provision of a proxy service from the POS terminal; D) providing, when the charging account of the franchisee is filled with a predetermined deposit or more, the relay server requesting the agent terminal to request the agent service from the force terminal; E) selecting an agent service that can be provided using the agent terminal to provide the agency service to which the agent is transmitted; F) When the completion of the processing of the selected agent service is notified from the agent terminal to the relay server, the relay server withdraws or deposits the agent service to the charge account provided to the agent and the agency step; G) requesting a franchisee to make a loan using the force terminal; H) requesting inquiry of the lendable amount that can be provided to the merchant's dealer to the financial company server based on the merchant information on which the relay server is registered and the sales data of the merchant received from the van (VAN) server; I) providing, to the force terminal through the relay server, lendable amount information that the financial company server can provide to the merchant for the inquiry request for the lendable amount; J) providing, if there is a final lending application from the POS terminal, the relay server providing the charging account information of the merchant to the financial company server; K) depositing the loan amount to the financial account of the merchant store in response to the final loan application provided by the financial terminal server from the POS terminal; And L) performing the loan repayment processing according to the loan repayment condition from the charging account of the merchant notified from the relay server by the financial company server.

 The agent service is a delivery agent service for the goods provided by the merchant or a collection agent service for delivery of the goods.

Illustratively, in step L), the loan repayment is characterized by being a principal repayment method, but the loan may be repaid in another form such as a mortgage repayment.

According to the present invention, a self-employed person can receive a loan service promptly based on his / her sales performance through a communication network by using a POS terminal installed in a store of a merchant without submitting a document required by a financial institution or complicated consultation procedure .

In particular, since it is possible to check the loan amount or the loan interest rate according to the appropriate credit rating according to the sales performance of the user, the user can borrow the necessary money according to the credit rating without paying excessive high interest rate required by the loan company, can do.

Since the self-employed person can receive not only the loan service but also a variety of agency services intermediated by the relay server, the self-employed person can enjoy various additional services necessary for him / herself.

In particular, since the self-employed is repayment of the loan through a charge account that must deposit a certain deposit in order to receive the agency service, the financial institution providing the loan service redeems the loan smoothly without taking the risk of repayment You have the advantage of being able to receive.

FIG. 1 is a view schematically showing a lending system connected to a POS terminal, a relay server, an agent terminal, and a financial institution server connected to a communication network according to the present invention.
BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a service providing system, and more particularly,
3 is a block diagram schematically illustrating the configuration of a system according to the present invention in which a proxy service is provided via a relay server.
FIG. 4 is a block diagram schematically showing a configuration of a system according to the present invention in which a loan service is provided via a relay server. FIG.
5 is a view schematically illustrating a process in which a proxy service is provided via a relay server using a system according to the present invention;
6 is a view schematically illustrating a process of providing a loan service via a relay server using a system according to the present invention;

The present invention relates to a system for providing an agency service and a loan service to a self-employed person operating a franchisee through a relay server which receives a request for an agency service and a loan service from a POS terminal installed at an affiliate shop, And a method for providing the corresponding service. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to exemplary embodiments of the present invention with reference to the accompanying drawings. It should be noted, however, that the invention described in detail below is merely an exemplary embodiment of the present invention, and that the present invention is by no means limited to the contents of the invention described below.

FIG. 1 is a view schematically showing a lending system connected to a POS terminal, a relay server, an agent terminal, and a financial institution server connected to a communication network according to the present invention. FIG. 2 is a block diagram schematically showing a configuration of a system capable of requesting a proxy service and a loan via a relay server. FIG.

As shown in these drawings, the lending system 100 according to the present invention includes a POS terminal (POS terminal) 200 installed in a store (a franchise store) operated by a self-employed merchant owner, a POS terminal 200 and a communication network A relay server 300 for transmitting and receiving data and mediating provision of a proxy service and a loan service requested from the POS terminal 200, a proxy server 300 for receiving the proxy service offered by the proxy server 300 through the proxy server 300, The agent terminal 400 notifying the completion of the processing and the loanable amount to the force terminal 300 according to the loan request through the relay server 300 and provides the loan requested by the self-employed person, And a financial company server 700 for performing the above-described operations.

In addition, the lending system 100 according to the present invention includes a value-added network (VAN) server 500 for storing and managing sales data of a corresponding merchant provided from the POS terminal 200, And a card issuer server 600 that approves a transaction approval request through the transaction server 500 and stores information about the transaction. In this case, the communication network connecting the POS terminal 200, the relay server 300, the van server 500, the credit card company server 600 and the financial company server 700 may be a dedicated network such as a VAN or a wired / wireless Internet network, , A wired / wireless telephone network, and the like.

The POS terminal 200 is installed in the store of the self-employed person, and performs the payment process for the goods or services provided in the store. The POS terminal 200 can request the relay server 300 to provide a proxy service and / or a loan service by mounting a solution provided by a company that operates the relay server 300. [

For example, the POS terminal 200 includes an agent service agent application 210 for requesting an agency agent to provide an agent service that the self-employed person can not provide or can not provide himself or herself through the relay server 300, A loan application unit 260 for requesting a loan application. At this time, the POS terminal 200 is connected to the relay server 300 and the VAN server 500 through a communication network for transmitting and receiving data related to a request for a loan service through the loan application unit 260, respectively.

The relay server 300 is a server operated by an intermediary vehicle that enters into a merchant agreement with a specific store and mediates a service required by the merchant through the force terminal 200 installed in the merchant. For example, the relay server 300 may include an agent service relay unit 310 that mediates and manages the provision of the agent service requested by the POS terminal 200, a self service provider 300 that can mediate a lending application requested by the POS terminal 200, And a loan relaying unit 350 for requesting a financial institution to inquire the lendable amount requested by the user and mediating the loan application transmitted from the force terminal 200. [ In addition, the relay server 300 may have a database module (DB module) 390 for storing information on merchants and self-employed persons, agency information, and the like for intermediary processing of the agency service and the loan service.

The relay server 300 is connected to the POS terminal 200, the agent terminal 400, the VAN server 500, and the financial company server 400 via the communication network in order to mediate the provision of the agency service and the loan service requested through the POS terminal 200. [ 0.0 > 700 < / RTI > If necessary, the relay server 300 may be connected to a mobile communication company server (not shown) through a communication network so as to transmit the authentication number to the POS terminal 200 or the like.

The agent terminal 400 is a terminal owned by the agency that provides and provides the proxy service requested from the force terminal 200 via the proxy service relay unit 310 of the relay server 300. [ For example, the agent terminal 400 may be a mobile terminal such as a mobile phone, a smart phone, and / or a PDA, as well as a terminal such as a PC or a notebook disposed in an office of a service agent (an outsourcer). In this case, the agent terminal 400 downloads the application provided by the relay server 300 through the communication network, and drives the application, so that the request status of the agency service provided from the relay server 300, Status, and so on.

The financial company server 700 calculates a loanable amount that can be provided to the merchant for the requested loan amount inquiry request through the loan relay unit 350 of the relay server 300 and transmits it to the relay server 300 via the relay server 300 To the loan application unit 260 of the force terminal 200. In addition, the financial company server 700 provides a predetermined loan to the financial account requested by the self-employed and reimburses the loan according to the loan repayment condition.

According to the present invention, in order to enjoy the agency service, a credit management service (CMS) is used to process the payment of the principal amount . By way of example, a financial institution may be a financial account opened to itself, such as a general bank, a savings bank, a credit bureau, a securities company, an insurance company, an insurance company, or a capital company, or any arbitrator capable of providing deposits, withdrawals and loans through financial accounts opened at other financial institutions Of financial institutions. For example, the financial company server 700 may be connected to the POS terminal 200 and / or the relay server 300 through a communication network. The financial company server 700 may be connected to the credit inquiry service server (not shown) through a communication network for credit inquiry of the self-employed merchant owner of the merchant with respect to the loan application requested from the force terminal 200. [

According to the present invention, the relay server 300 mediates the processing and management of the agency service and the loan service requested by the self-employed through the POS terminal 300, which will be described in more detail. FIG. 3 is a block diagram illustrating in detail a configuration of a terminal and a server in connection with provision of an agent service, in particular, of the system according to the present invention.

In particular, the self-employed may not be able to offer their products to the customers themselves due to unforeseen circumstances related to providing the desired products. In this case, the self-employed employs an outsourced service agent (outsourcer) for services that are difficult to provide. However, since the self-employed and the service agent operate independently, it is necessary to build a relay system that can guarantee mutual reliability.

For example, if a self-employed person who is required to provide the goods requested by the customer in the place where the customer wants can not provide the goods delivery service or related collection service by himself, he or she needs to use the outsourcing agency. According to the present invention, a self-employed person who receives a customer's request requests the relay server 300 to provide an agent service such as a delivery of goods and / or a collection service using the POS terminal 200, ) Notifies the agent terminal 400 managed by the service agent capable of providing the requested agency service to select the agency service from the provided agency service list so that the agency can provide the agency service do.

First, the POS terminal 200 includes an agent service agent application 210 in which a predetermined solution is installed so that an self-employed person can request an agent service that can not be provided by the self-employed person. In addition, the POS terminal 200 includes an input unit 220 such as an input button for inputting information such as a payment amount and merchant information, a display 230 for displaying information related to payment information and / And a card reading unit 240 related to a payment process related to a product provided in the store.

For example, the merchant agency service application section 210 includes a service application section 212, a service history transfer section 214, an inquiry section 216, and a merchant account charging section 218. Here, the service application unit 212 inputs the location of the store operated by the self-employed person, the merchandise to be handled, the business registration number of the self-employed business person, the merchant contact information, and the like to register from the relay server 300 to the merchant related to the relay of the agency service We ask.

When the service history transmission unit 214 receives a service provision such as a delivery and / or collection request of a corresponding product from a real customer with respect to a product sold at an affiliated store registered in the relay server 300 to the POS terminal 200 , And transmits the received service description (product, customer information, etc.) to the relay server 300 and requests the relay server 300 to provide the actual agency service.

The merchant owner self-employed person can inquire, through the inquiry unit 216 of the force terminal 200, the transaction details requested by the merchant and the processing status of the service, as well as the deposit and withdrawal details of the merchant charging account. When the merchant account charging unit 218 receives data indicating that the deposit account of the merchant is insufficient, the relay account server 218 accesses the relay server 300 and charges the account of the merchant account with an amount equal to or more than the insufficient deposit amount . For example, when the merchant self-employed person accesses the relay server 300 using the POS terminal 200 and inputs merchant information or the like, the amount of money in excess of the deposit amount in the real account of his / You can charge it to your account.

On the other hand, the agent terminal 400, which may be a terminal equipped with a predetermined application provided by the relay server 300, performs a series of processes related to the provision of the agency service. For example, the agent terminal 400 may include an agent service provision application 410, an agent service inquiry / reception unit 420, an agent service selection unit 430, An account charging unit 440, and may include an input unit 450, a display 460, and a GPS module 470.

The agency agent service application section 410 inputs the agency information (type of service that the agency can provide, business registration number, location of the agency, contact information), etc. to the relay server 300, And requests the relay server 300 to register the agent.

The agency service inquiry and reception unit 420 receives the agency information that is actually requested from the force terminal 200 and transmitted to the relay server 310 and includes the agency information inputted by the agency Service type information, etc.), and inquires or receives the agency service requested.

The agency can select an agency service that can be immediately provided from the requested / requested agency service through the agency service selection unit 430. [ When data indicating that the deposit account is insufficient in the charge account assigned to the agency is received from the relay server 300, the agency account account charging unit 440 accesses the relay server 300 and receives the charge account assigned to the agency Charge more than the deposit amount. For example, the agent may access the relay server 300 using the agent terminal 400 to enter the agent information, etc., and enter an amount of the deposit in the real account of his / You can charge to a charging account.

In addition, the agency terminal 400 includes an input unit 450 for inputting predetermined information such as a keyboard or a touch panel, a display 460 such as an LCD, an OLED, or the like displaying predetermined data and / , And a GPS module 470 that provides location-based information that can transfer the current location of the agency to the relay server 300.

The proxy service relay unit 310 of the relay server 300 includes an agent service registration module 315, an agent service management module 325, a charge account management module 330, a settlement module 340A, Module (proxy service DB module) 392, and a control unit 390 such as a CPU for controlling these modules.

The agent service registration module 315 registers the agent information inputted through the service application unit 212 of the agency agent service application unit 210 of the force terminal 200 and the agent service information of the agent service terminal 400 (410), and registers and processes the corresponding merchant and agency. At this time, the agent service registration module 315 transmits the service price according to the agent service type or the minimum deposit information to be charged by the agent or the agency to request or provide the agent service to the POS terminal 200 or the agent terminal (400), or the like, to provide guidance data related to the agency service according to the present invention. These merchant and agency information may be stored and managed in an agency service database module (agent service DB module, 392).

The agent service management module 325 receives the proxy service details requested by the service history transmission unit 214 of the POS terminal 200 and transmits the agent service request to the nearby affiliate shop based on the location information of the affiliate shop where the relevant POS terminal 200 is installed And transmits the details of the agency service requested to the agent terminal 400 located in the service provider terminal 400. In addition, when one of the agent services requested through the specific agent terminal 400 is selected, agent agent information selected by the agent is transmitted to the POS terminal 200, and the self-employed person having the partner terminal 200 having the corresponding POS terminal 200 To identify who is the agent providing the agency service. The agent service management module 325 may notify the POS terminal 200 that the provision of the selected agent service has been completed through the agency when the agency service terminal 400 has provided the agency service selected.

On the other hand, the charging account management module 330 assigns a predetermined charging account to each of the merchant and the agency in connection with the registered merchant information and the agent information, and transmits the charging account to the POS terminal 200, (400). Here, the charging account may be an account provided to the relay server 300 through the financial company server 700 so as to match the account structure of the financial company, for example.

According to the present invention, an agent providing an agency service with a self-employed merchant owner self-employed person can request an agency service and provide an agency service only in a state in which a predetermined deposit is deposited in a merchant charge account and an agent charge account respectively assigned to the agent . For example, when a deposit of more than 300,000 won is deposited in the merchant charging account and the charging account of the agent charging agent, it is possible to request the agency service and provide the agency service.

Since the agent can request and provide the agency service only when the predetermined deposit is deposited in this way, when the agency performs the agent service such as the delivery of the goods faithfully, It is possible to prevent the problem of cost un-payment due to the service provision by depositing the cost (delivery cost) of the service processing to the charging account of the agency. Also, regarding the collection service, it is only necessary to deposit the amount corresponding to the commodity price in the charging account of the agent into the charging account of the merchant. Since the agent does not have to send the commodity price received from the customer separately to the merchant, The agency may mutually and reliably provide agency services or provide agency services.

In addition, as described later, in order for a self-employed merchant owner to request an agency service, a deposit account of a predetermined amount or more must be deposited into the charge account assigned to the merchant. A credit account of the merchant, Since the repayment process is performed, the financial institution will not bear a large risk when repaying the loan.

The charging account management module 330 may also store the facts in the charging account of the merchant and / or the charging account of the agent charging server 200, The merchant and the agency may request that the charging account assigned to them charge and process more than the amount of the deposit that is insufficient.

The agency service settlement module 340A determines whether or not the agent self-employed having the force terminal 200 and the agency owned the agent terminal 400 in connection with the provision and processing of the agency service processed through the relay server 300 The payment for the provision of the agency service is paid. To this end, the agency service settlement module 340A determines whether or not the agent service request request transmitted from the service details transmitter 214 of the POS terminal 200 installed at each of the merchants, And can perform depositing and / or withdrawal processing for the charging account.

For example, when the agent service requested by the service history transfer unit 214 of the POS terminal 200 is a goods delivery service, when it is notified through the agent terminal 400 that the provision of the corresponding goods is completed, The transfer service fee of the merchant is transferred from the charging account of the merchant to the charging account of the service provider. On the other hand, when the requested service from the service history transmission unit 214 of the force terminal 200 is a goods delivery and collecting service, the charge amount of the merchandise is charged from the charging account of the charging company to the charging account of the merchant And transfer service from the charging account of the merchant to the charging account of the agency in connection with the delivery service. In this case, since the agent has already transferred the money from the customer's account to the charging account of the merchant, it is not necessary to settle the collection amount to the merchant, so that the merchant and the agent Can be prevented. In addition, the relay server 300 can receive a monthly relay fee from the merchant and the agency regarding the relay of the agency service.

As described above, according to the present invention, only when a predetermined deposit is secured in the charging account assigned to each of the merchant store and the agency for the agent service that is difficult for the merchant host self-employed person to provide directly to the customer, It is not necessary for the self-employed person and the agency to directly provide an amount related to the agency service, and since the predetermined deposit or more is secured, the agent can stably provide the agency service and provide the agency service.

Next, a system for providing a loan to a merchant using the system according to the present invention will be described in detail. FIG. 4 is a block diagram schematically showing a configuration of a system according to the present invention, in which a loan service is provided via a relay server.

As shown in the figure, the POS terminal 200 includes a loan application unit 260 for providing a loan service through a communication network in addition to the input unit 220, the display 230, and the card reading unit 240 described above. For example, the loan application unit 260 may include a loan request unit 270 for requesting a loanable amount or the like via the relay server 300 for the first time by the franchisee, and a loanable amount transferred to the relay server 300 And a loan settlement unit 280 for applying for a predetermined loan to the financial company server 700 based on the final settlement. The POS terminal 200 may have a communication unit for transmitting and receiving data to and from the relay server 300 and / or the VAN server 500, and an output unit for outputting a receipt or a specification sheet related to the payment transaction have.

Accordingly, when a customer requests payment of a product provided at a store of an affiliate shop operated by an independent business person, the merchant store operator inputs the payment amount through the input unit of the POS terminal 200, Reads out the card information through the card reading unit 240 and transmits it to the VAN server 500. When payment approval is transmitted from the card issuer server 600 to the POS terminal 200 via the VAN server 500, the merchant operator, the manager, or the customer transmits the payment information through the display 230 of the POS terminal 200 Or confirm the payment amount through the transaction specification printed on the output unit (not shown).

Meanwhile, if the merchant self-employed person needs a power supply due to a business need or the like, the franchise owner's self-employed person can receive the request from the relay server 300 through the loan request unit 270 of the POS terminal 200, Can request a loan service. The authentication number transmitted from the relay server 300 can be confirmed through the display 230 of the POS terminal 200 and the authentication number transmitted through the input unit 220 can be input to the relay server 300 Lt; / RTI >

In addition, the franchise owner main terminal 290 may be added to the franchise owner's terminal, which is owned and managed by the franchise owner separately from the force terminal 200. The merchant terminal 290 is any terminal capable of data transmission / reception and / or communication with the relay server 300 and / or the financial company server 700 via a telephone network such as a mobile communication network or a wired telephone network, A mobile terminal such as a mobile phone or a smart phone registered in the name of an affiliate shop or an affiliate shop, or a general phone terminal. As will be described later, the relay server 300 can transmit the authentication number for verifying the applied loan not only to the force terminal 200, but also to the agent terminal 290 connected to the telephone communication network, for example. In addition, when the financial company server 700 finally approves the loan application requested by the merchant, the financial company server 700 can perform approval processing for the loan through the telephone call to the merchant's main terminal 290. [

The lending relay unit 350 of the relay server 300 receives the sales history of the corresponding merchant transmitted from the POS terminal 200 from the VAN server 500 ), The inquiry of the loanable amount to the financial company server 700 based on the data (merchant information or the like) provided from the force terminal 200 and the sales history data of the corresponding merchant received by the sales details receiving module 365 A loan inquiry module 370 for receiving data such as an amount of money available for loan and the like, a charging account assigned to an affiliate shop managed by the merchant who has finally requested a loan through the loan confirmation unit 280 of the force terminal 200 A credit account information module 375 for notifying the bank account information to the financial company server 700, a credit commission settlement module 380 for accounting the commission with the financial company server 700 in connection with the loan service, A merchant database module (merchant DB module 394) for storing and managing information on the loan service requested by the self-employed person operating the merchant store, and a control unit 390 for integrally controlling and managing the functions of the respective modules do. Alternatively, the lending relay unit 350 of the relay server 300 may include a lending authentication module 360 for verifying a lending application from the lending request unit 270 of the force terminal 200, The VAN server 500, and the financial company server 700 via the network (not shown).

According to the agreement between the merchant and the relay server operating the relay server, in the agency DB module 392 described in FIG. 3, the identification information of the POS terminal 200, the identification code of the POS terminal 200, (The name of the merchant, the name of the merchant, the address of the merchant, the name of the merchant of the merchant / merchant, the registration number of the merchant, the address of the merchant, the resident registration number of the merchant, Address, etc.). Therefore, the merchant DB module 394 constituting the loan transferring unit 350 stores the loan information requested by the merchant store in association with the merchant information registered in the substitution service DB module 392, so that the merchant DB module 394 can be utilized to mediate the loan service .

The lending authentication module 360 which can construct the lending relay unit 350 selectively transmits the lending application requested by the franchise owner through the lending request unit 270 of the POS terminal 200 to the lending partner Is transmitted from the base station. To this end, the loan authentication module 360 transmits and stores the authentication number to the credit terminal 200 and / or the merchant main terminal 290 registered as the agent's name, and inputs the authentication number from the force terminal 200 And compare the stored authentication number with the stored authentication number to verify the loan application. For example, in connection with transmitting the authentication number to the merchant terminal 290, the loan authentication module 360 may be configured to send and receive data to and from the mobile communication company server or the telephone exchange server.

The sales history receiving module 365 receives a sales history of the predetermined period generated from the POS terminal 200 from the VAN server 500 in association with the loan application requested from the POS terminal 200. [ The sales details of the force terminal 200 of the corresponding merchant provided from the VAN server 500 may be the sales details of the last three months based on the loan request date. It can be used as basic data to inquire possible loan amount and loan interest rate to self-employed business owner of a merchant.

When the first loan application is received from the loan request unit 270 of the POS terminal 200, the loan inquiry module 370 receives the merchandise-related information stored in the agency DB module 392 (see FIG. 3) Based on the recent sales history data of the corresponding merchant provided from the receiving module 365, transmits inquiry request information of an amount lendable to the self-employed merchant of the merchant shop to the financial company server 700 and transmits the lendable amount information provided from the financial company server 700, To the terminal 200. For example, the loan inquiry module 370 stores the merchant information such as the resident registration number of the self-employed merchant of the merchant, the merchant registration number of the merchant, and the recent sales details of the merchant provided from the VAN server 500, To inquire about the loanable amount.

On the other hand, if the self-employed person who has received the limit of the loan amount available to him and the loan interest rate through the loan inquiry module 370 requests the final loan through the loan determination unit 280 of the POS terminal 200, The module 370 transmits to the financial company server 700 the charging account information given to the merchant along with the real account information of the self-employed who is input or stored in the loan confirmation unit 280. [

The loan commission settlement module 380 is for settlement of a fee for providing the loan service with the financial institution server 700 after the approval processing or the repayment processing of the loan application requested from the force terminal 200 is completed.

The VAN server 500 is a transaction history sales history database module (sales history database) for storing and managing sales details of a predetermined period processed at a corresponding merchant transmitted from the POS terminal 200 in association with identification codes of the corresponding POS terminals 200 (For example, three months) through the force terminal 200 that has applied for the loan based on the information stored in the sales history DB module of the relay server 300 365 of the sales history transmitter. Therefore, the relay server 300 can request the financial company server 700 to inquire the lendable amount based on the recent sales history of the corresponding merchant through the corresponding force terminal 200 provided by the VAN server 500. [ The VAN server 500 can process the settlement of the settlement amount such as settlement of commission of the settlement amount determined by the contract with the card company and the merchant based on the sales history linked to the identification code of the POS terminal stored in the sales history DB module .

The financial company server 700 performs a deposit and withdrawal service using, for example, a financial account opened in a financial institution, and in particular, processes transactions related to a loan application requested by the force terminal 200 via the relay server 300 It is a server of a financial institution. The financial company server 700, in cooperation with the merchant charge account managed by the merchant who requested the loan, notified via the financial account information and / or the charge account guidance module 370 opened in the name of the merchant shop or merchant shop, A loan database (loan DB) 710 for storing and managing the merchant's main information, a loan request from the loan request unit 270 of the force terminal 200 through the relay server 300, The credit check unit 720 for calculating the available amount and the loan interest rate and the loan confirmation unit 280 of the force terminal 200 to process approval of the loan for the final loan request requested through the relay server 300, A loan approval unit 730 for depositing a predetermined loan to the account, and a redemption processing unit 740 for processing the redemption work of the loan amount from the merchant charge account managed by the merchant's stock All.

For example, in the loan DB 710, the real account information of the name of the merchant to which the loan is deposited, the charging account information given to the merchant for the loan repayment processing, and the merchant information and / Can be managed.

The loan checking unit 720 receives the merchant information provided through the loan inquiry module 370 of the relay server 300 and the sales details of the last three months processed by the corresponding POS terminal 200 and transmits the loan amount And transmits the calculated loanable amount information and the loan interest rate information to the force terminal 200 via the relay server 300. [ If the credit approval unit 730 finally requests the credit within the limit of the creditable amount calculated through the credit determination unit 280 of the credit shop terminal 200 of the merchant credit terminal 200, The credit approval information is transmitted to the main terminal 290 to perform approval processing of the loan, and the requested loan is sent to the account of the franchise shop.

Based on the loan amount and the loan redeeming conditions finally approved by the loan acceptance unit 730, the redemption processing unit 740 notifies the charge account information of the corresponding merchant through the charging account guidance module 370 of the relay server 300, To process the repayment of the loan principal. Regarding repayment of loans, financial services such as CMS will be available.

As described above, the merchant owner self-employed person uses the force terminal 200 to request the relay server 300 to provide a service that he can not provide. At this time, the franchisee must charge a deposit of a predetermined amount or more determined by the contract in the charge account assigned to him. In other words, since a predetermined deposit amount is always deposited in the charge account assigned to the merchant, and the financial institution can redeem the loan from the account of the account of the merchant whose deposit amount has been deposited, the advantage of not paying the risk of repayment of the loan .

Next, a process of providing a loan service to a self-employed person using the system according to the present invention will be described. 5 is a diagram schematically showing a process of providing an agent service that can not be provided by a self-employed person via a relay server. The self-employed person accesses the relay server as a preliminary work for requesting a proxy service that he can not provide by using the POS terminal, and requests the registration and registration of the merchant by inputting the merchant information (s510). For example, a self-employed person inputs a name of a merchant's business name, an address of a merchant, a route, a contact, a type of a service to be handled, and the type and condition of a service.

At the same time, the service agent accesses the relay server by using the agent terminal, inputs the agent information necessary for providing the agent service requested by the self-employed person, and requests the agency to apply and register (S515). For example, the agency enters information such as the name of the agent, the address of the agent, the type and condition of agent service that can be provided, and the contact information.

The relay server receives the information input through the agent terminal provided in the agent terminal and the agent terminal provided in the agency, registers the agent and the agency, and gives the charge account to the agent and agent in operation S520. At this time, the relay server will be able to issue a separate ID to each of the merchant and agency.

The self-employed person and the agency charge the charge account assigned from the relay server according to the agreement with the relay server and charge each charge account (s525A, s525B). For example, the merchant and agent may access the relay server by using the POS terminal and the agent terminal, respectively, and enter their IDs. In this case, The depositor can deposit the deposit in the charge account assigned to him or the like by transferring it to the charge account of the user.

If a self-employed person receives an order for a substitute service such as a delivery of goods and / or a collecting service from a customer, he / she can access the relay server using the POS terminal and provide services (for example, delivery or collection processing) (S530). For example, a self-employed person can use a force terminal to request a proxy service while inputting a type of product, a customer name, a customer contact, a delivery address, a destination address, a product price, a collection service for a product, a delivery service fee, It will be possible. At this time, the relay server inquires the charging account allocated to the corresponding merchant. If the deposit account has a deposit less than a predetermined amount, the relay server informs the force terminal of the merchant that the charge account has been deposited, And notify the assigned charging account to charge the deposit. A self-employed person who has been notified of this fact through the POS terminal connects to the relay server and charges a deposit which is insufficient in his own charging account. In this way, the relay server verifies the remaining deposit in the charge account allocated to the merchant requesting the agency service, and requests the proxy service request only when a predetermined deposit or more is secured.

The relay server which received the delivery service request notifies the order of the service requested to the agent terminal providing the agency service in the corresponding area based on the shipping destination information, the merchant location information, or the like (S540). If necessary, the agent can inquire and search for agency services requested in the vicinity of his / her business area by using the agent terminal. If the agent is a service that can be provided for the agent service request notified or transmitted from the relay server, the agent may select an appropriate list from the requested agent service using the agent terminal, (S545). At this time, the relay server extracts agency information and transmits the agent information to the POS terminal of the self-employed. If the agent selects a particular agent service requested from the agent through the agent terminal, the relay server may indicate that the agent service selected has already been selected from the list or is already selected by another agent, .

If there is a selection of the service order requested from the agent terminal, the relay server selects the order, as in the case of accepting the agency service request only when the charge account assigned to the agent is filled with a predetermined deposit or more. If the amount of money less than the predetermined amount is deposited in the charging account, the charging agent terminal notifies the charging server of the charging account allocated to the charging company, and the order of the charging service can not be selected at present. You may be notified that the deposit will be charged. The agent, which is informed of the fact through the agent terminal, connects to the relay server and charges the insufficient deposit in the charge account of the agent. In this way, the relay server can verify the remaining deposit in the charge account assigned to the agency that intends to provide the agent service, and set the agency server to be able to provide the agency service only when a predetermined deposit or more is secured.

When the agency process of the service selected by the agency is completed (S550), the agency transmits to the relay server that the agency process of the service is completed by using the agency terminal, and the relay server transmits the completion service of the agency It is possible to notify that the processing of the proxy service requested by the POS terminal has been completed.

Subsequently, the relay server can settle the processing cost for the agency service using the charging account assigned to the merchant and the agency in connection with the provision of the service provided by the agency (s555). For example, if a self-employed person has already paid for a product and the agent service is simply a delivery service for the goods, the amount corresponding to the delivery service fee is collected from the charging account of the merchant in connection with the delivery service fee Transfer to the charging account of the agency that completed the delivery service. On the other hand, if the agent service requested by the self-employed person is a delivery service and a collection service, the transfer service charge is transferred from the charge account of the merchant to the charge account of the agency. In relation to the product price, Withdraw the corresponding amount and transfer it to the charging account of the merchant. When an agent visits a customer and receives the commodity amount directly from the customer, the agent can not only keep the amount transferred from the charging account to the charging account of the merchant, but also prevent the dispute with the merchant owner can do.

When the processing of the charging account of the merchant and / or the agency is completed with respect to the completion of the agency service, the relay server transmits the agent service fee processing and collecting guidance message to the agent terminal of the agent and the agent terminal of the agency respectively (S560A and s560B), so that the self-employed person and the agency of the franchisee can confirm it. Subsequently, the relay server receives the commission related to the processing of the agent service brokered by the relay server and performs the settlement processing (s565). Such a settlement process may be performed for a predetermined period (for example, monthly), and it may be set to be a monthly amount, or to be proportional to the number of agency requests and / or the number of agency services.

Next, a process of providing the loan service to the self-employed using the system according to the present invention will be described. FIG. 6 is a diagram schematically showing a process of providing a loan service via a relay server using the system according to the present invention.

As described in FIG. 5, in the state where the merchant's stock price relay server is requested by the agency service, the merchant self-employed person submits a loan using the POS terminal (s610). If necessary, the relay server may send a list of financial institutions that can apply for a loan to the POS terminal. At this time, optionally, the merchant self-employed person can apply for a loan while inputting the merchant terminal number of his or her name.

Meanwhile, the transaction history related to the payment processing of the goods and / or services provided by the self-employed person in his or her own store is continuously transmitted from the POS terminal to the VAN server. The VAN server is a merchant terminal identification code, And stores and manages transaction details transmitted in connection with the identification code. On the basis of the stored transaction details, the VAN server may relay the transaction between the card company and the merchant, for example, and process the settlement of fees related to the processing of the payment.

Upon receipt of the loan application from the force terminal, the relay server receives the recent sales history (for example, sales details of the last three months) of the affiliated store in which the corresponding force terminal is installed from the VAN server having sales performance data of the corresponding force terminal (s615) . For example, the relay server requests the VAN server to transmit a sales history of a predetermined period generated at the corresponding POS terminal, and the VAN server transmits the sales history of the POS terminal to the VAN server for a predetermined period To the relay server. The sales history provided by the VAN server may be transactions for the last 3 months or 6 months based on the application date of the loan, but the sales history data provided may be appropriately adjusted for inquiring of the loanable amount.

At this time, when the loan application is first received from the force terminal, the relay server needs to verify whether or not the application for loan is an application by the self-employed person having the authority of the authorized agent. For this purpose, the relay server can transmit, for example, the authentication number generated by the random number to the force terminal and / or the franchise terminal main terminal of the affiliated store based on the merchant store identification code for which the loan is requested. Preferably, when the authentication number is transmitted from the relay server and the transmitted authentication number is input in connection with the inquiry of the loan amount, the message 'credit inquiry agreement' There will be.

In connection with transmitting the authentication number, instead of inputting the merchant's main terminal number while submitting a loan from the POS terminal, for example, the authentication number is transmitted only to the merchant main term stored in association with the POS terminal identification code of the corresponding merchant . However, in the case where the self-employed person has not registered his or her altered merchant terminal number in the loan relay server in spite of the fact that the merchant terminal of the self-employed is changed, the authentication number may not be transmitted to the merchant terminal. Therefore, preferably, the relay server also transmits the authentication number to the POS terminal that inputs the loan application information separately from the merchant main terminal, so that the self-employed person can confirm the authentication number transmitted through the display of the POS terminal. Then, the merchant host self-employed person confirms the authentication number transmitted to the POS terminal and / or the merchant terminal, and inputs the authentication number transmitted through the input unit of the POS terminal. The relay server compares the authentication number transmitted by the relay server with the authentication number input from the force terminal, and verifies whether or not the loan application is by the self-employed having the right authority. Optionally, the relay server may input the franchise terminal number or resident registration number through the force terminal separately from the authentication number, and may verify whether or not the application is a loan application by a self-employed person having legitimate rights.

When the first lending application is received from the POS terminal and received from the VAN server, the relay server stores the merchant information on which the POS terminal requesting the loan is installed and the agent service information, (Step S620). In step S620, the sales amount data and the sales history data of the corresponding merchant transmitted from the VAN server are transmitted to the financial company server. The financial company server receiving the inquiry request calculates the amount of the loan amount based on the sales history of the merchant provided by the VAN server, the merchant information stored in the relay server and the merchant information (for example, the business registration number and the resident registration number of the merchant) The interest rate is examined and calculated (s625).

For example, a financial company server can calculate a loanable amount and a loan interest rate based on the basic data provided by the relay server and the credit rating determined by the financial institution separately. Or the financial company server may calculate the loanable amount and the loan interest rate according to the inquiry history of the affiliated credit information inquiry institution connected to the communication network. In this process, the financial company server can store and manage the merchant information and / or the merchant store information in the database in association with the financial account information established in the merchant's or merchant's store name.

At this time, in addition to the lending interest rate provided offline through the lending window, the financial service server may calculate the lending interest rate considering the commission rate provided to the relay server according to the pre-contract with the relay supplier operating the relay server. In this case, the relay operator operating the relay server may induce the loan rate to be presented to the self-employed owner of the merchant shop not to be excessively high by suggesting the commission rate allocated to the relay server relatively low.

The financial company server transmits information such as the loanable amount and the loan interest rate calculated on the basis of the transaction details provided from the loan relay server to the relay server (s630A), and the relay server transmits the information such as the loanable amount and the loan interest rate, To the applied force terminal (s630B).

The merchant owner's self-employed person can decide whether to request the final loan through the corresponding POS terminal based on the transferred loan amount and the loan interest rate. For example, the self-employed person can finally request a loan through the loan settlement unit 280 (see FIG. 4) provided in the POS terminal (s630). At this time, the merchant can input his or her actual account information to be provided with the loan, and can simultaneously select the final loan amount, the loan redeeming condition, or the redeeming date through the screen or the input unit displayed on the display of the force terminal. For example, the redemption date may be set to 30 days, 60 days, 90 days, 100 days, etc. The redemption conditions may be the principal and interest payments on a daily basis or the monthly redemption of principal. The merchant owner's self-employed person can print and output the information such as the loan amount, the loan interest rate, and the loan repayment condition finally requested by the merchant's owner using the output unit of the affiliate terminal.

The relay server which receives the final lending request from the force terminal adds the charge account information given to the agent to the agent service in addition to the account information of the agent's shop sent from the POS terminal, and requests the financial company server for final lending (S640 ).

The financial company server that has received the loan request accesses the merchant terminal or the user terminal, finally approves the requested loan application (s645), and deposits the requested loan to the account of the merchant shop. For example, a financial company server can call a merchant terminal and confirm the final loan amount, loan interest rate, and loan repayment conditions, and approve the loan if the merchant's stock agrees. In this case, the bank server will record the currency to prevent disputes related to the repayment of the loan in the future. Alternatively, the financial company server posts the loan amount, the loan interest rate and the loan repayment condition ultimately requested by the merchant as a POS terminal, and only when the merchant confirms and agrees with the loan request printed by the merchant through the POS terminal You will be able to approve the loan. In this case, the details agreed by the merchant may be transferred to the financial company server and stored in the financial company server.

Then, the financial company server processes the reimbursement of the loan using a service such as CMS according to the loan repayment condition from the charging account allocated to the merchant (s650). The relay business operator and the financial institution operating the relay server can perform the settlement processing of the fee according to the provision of the loan service according to the details set in the separate contract in advance after the processing of repayment of the loan is completed or the loan approval processing is performed (s655).

As a result, a self-employed person who does not have enough time to visit a financial institution to conduct a business in a time zone overlapping with the business hours of a financial institution such as a bank, can not receive loan counseling, Can be provided. In addition, since the relay server can adjust the loan interest rate by sacrificing some of its commission, it is possible to set the loan interest rate which is much lower than the loan rate provided by the current ATM equipment or the loan company of the financial institution, It will have the advantage of enjoying the loan service.

Particularly, in order to request a brokerage service (for example, delivery of goods and / or collection of money) brokered by a relay server, the merchant agent must deposit a deposit of a predetermined amount or more in a charge account assigned to him. Therefore, the self-employed who continuously requests the agency service always deposits a certain amount or more in the charge account assigned to him, so that, from the viewpoint of the financial institution, since the loan is reimbursed from the charge account secured with a certain amount, The risk can be greatly reduced. Furthermore, the relay server may notify the self-employed person in charge of the merchant shop in advance if the deposit account is insufficient, and may induce charging to the account so as to assist the financial institution in the process of repayment of the loan.

100: Loan system 200: POS terminal
210: Agency service agent application section 260: Loan application section
300: Relay server 310: Agent service relay
350: Loan relay unit 400: Agent terminal
500: VAN server 600: Card issuer server
700: Financial company server 710: Loan examination department
720: Loan approval section 730: Repayment processing section

Claims (10)

A POS terminal installed at a store of a merchant for transmitting sales data to a VAN server and requesting a substitute service and a loan service through a communication network;
A relay server which is connected to the POS terminal via a communication network and intermediates the provision of the agent service and the provision of the loan service transmitted from the POS terminal,
Providing a charging account to each of the merchant and an agent providing the agent service in connection with intermediation of the agent service, and when the charge account of the merchant is filled with a predetermined deposit or more, Providing service details to the agency terminal, withdrawing or depositing the agent service to the charging account provided to the merchant and the agency,
[0031] In connection with the brokerage of the loan service, it is possible to provide the financial company server with the merchant information provided from the force terminal and the sales data of the merchant provided from the van (VAN) server, A relay server for requesting an inquiry and providing the charging account information allocated to the merchant to the financial company server; And
A credit amount of a loan to be paid to the merchant who operates the merchant on the basis of the sales data transmitted from the relay server for the request for the loan service via the relay server, And a financial server which redeems a loan from the charging account of the merchant provided from the relay server,
Wherein the relay server includes an agent service relay unit for processing the agent service of the agency service and a loan relay unit for processing the agency service of the loan service,
The agent service relay module includes an agent service registration module that processes registration of agent information and agent information through the POS terminal and the agent terminal, respectively; An agent service DB module for storing the agent information, the agent information, and the agent service information requested from the POS terminal; When the charge account of the merchant is filled with a predetermined deposit or more with respect to the agent service request transmitted from the POS terminal, transmits the requested agent service details to the agent terminal, An agent service management module for transmitting to the POS terminal a notification that the agent service has been processed; When the balance of the charging account provided to the franchisee and the agency is less than a predetermined deposit, notifies the insurance agent terminal and the insurance agent terminal of the fact that the charge provided to the agent shop and the agency And a charge account management module for performing deposit or withdrawal processing to an account.
A POS terminal installed at a store of a merchant for transmitting sales data to a VAN server and requesting a substitute service and a loan service through a communication network;
A relay server which is connected to the POS terminal via a communication network and intermediates the provision of the agent service and the provision of the loan service transmitted from the POS terminal,
Providing a charging account to each of the merchant and an agent providing the agent service in connection with intermediation of the agent service, and when the charge account of the merchant is filled with a predetermined deposit or more, Providing service details to the agency terminal, withdrawing or depositing the agent service to the charging account provided to the merchant and the agency,
[0031] In connection with the brokerage of the loan service, it is possible to provide the financial company server with the merchant information provided from the force terminal and the sales data of the merchant provided from the van (VAN) server, A relay server for requesting an inquiry and providing the charging account information allocated to the merchant to the financial company server; And
A credit amount of a loan to be paid to the merchant who operates the merchant on the basis of the sales data transmitted from the relay server for the request for the loan service via the relay server, And a financial server which redeems a loan from the charging account of the merchant provided from the relay server,
Wherein the relay server includes an agent service relay unit for processing the agent service of the agency service and a loan relay unit for processing the agency service of the loan service,
Wherein the force terminal comprises: a merchant service application request unit for inputting the merchant information to request the registration of the merchant to the relay server in order to receive the agent service; A service history transmission unit for transmitting the agent service details requested by the customer to the relay server; An inquiry unit for inquiring an agent service details of the merchant registered in the relay server; And a merchant account charging unit that deposits money in the charging account of the merchant.
A POS terminal installed at a store of a merchant for transmitting sales data to a VAN server and requesting a substitute service and a loan service through a communication network;
A relay server which is connected to the POS terminal via a communication network and intermediates the provision of the agent service and the provision of the loan service transmitted from the POS terminal,
Providing a charging account to each of the merchant and an agent providing the agent service in connection with intermediation of the agent service, and when the charge account of the merchant is filled with a predetermined deposit or more, Providing service details to the agency terminal, withdrawing or depositing the agent service to the charging account provided to the merchant and the agency,
[0031] In connection with the brokerage of the loan service, it is possible to provide the financial company server with the merchant information provided from the force terminal and the sales data of the merchant provided from the van (VAN) server, A relay server for requesting an inquiry and providing the charging account information allocated to the merchant to the financial company server; And
A credit amount of a loan to be paid to the merchant who operates the merchant on the basis of the sales data transmitted from the relay server for the request for the loan service via the relay server, And a financial server which redeems a loan from the charging account of the merchant provided from the relay server,
Wherein the relay server includes an agent service relay unit for processing the agent service of the agency service and a loan relay unit for processing the agency service of the loan service,
Wherein the force terminal comprises: a merchant service application request unit for inputting the merchant information to request the registration of the merchant to the relay server in order to receive the agent service; A service history transmission unit for transmitting the agent service details requested by the customer to the relay server; An inquiry unit for inquiring an agent service details of the merchant registered in the relay server; And a merchant account charging unit that deposits money in the charging account of the merchant.
4. The method according to any one of claims 1 to 3,
Wherein the agent service requested by the POS terminal is a delivery agent service for goods provided by the merchant or a collection agency service for delivering goods.
4. The method according to any one of claims 1 to 3,
The lending relay unit may include: an affiliate shop database module that stores the affiliate shop information provided from the POS terminal; A sales breakdown receiving module for receiving sales data of the merchant from the van server; The merchant information and the sales data of the merchant transmitted from the VAN server to the financial company server in response to the loan request transmitted from the POS terminal to request inquiry of the creditable amount of the merchant shop, A loan inquiry module for receiving the loanable amount and the loan interest rate information transmitted from the merchant terminal and transmitting the same to the merchant terminal; And a charging account information module for transferring the charging account information of the merchant shop to the financial company server so that the financial company server can redeem the loan using the charging account of the merchant shop when the final loan application is received from the POS terminal Loan system. delete delete delete delete delete

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