KR102550911B1 - Credit offering based credit dealing method and credit dealing apparatus with an enhanced secure authentication - Google Patents

Abstract

According to an embodiment of the present invention, a credit transaction method and a credit transaction apparatus based on credit extension with enhanced security authentication are provided. The method may include performing three-party security authentication for a credit transaction based on a credit extension of the credit provider between a credit transaction device, at least one credit provider, and at least one credit consumer; and when the security authentication is completed, providing the credit transaction to the credit consumer by using the credit of the credit provider, wherein the performing of the security authentication includes a request from the credit transaction device to a credit provider terminal. 1 Sending an authentication code; generating, by the credit provider terminal, a second authentication code based on the first authentication code in response to transmission of the first authentication code, and transmitting the second authentication code to the credit transaction device and the credit consumer terminal; transmitting, by the credit consumer terminal, a third authentication code to the credit transaction device; and performing, by the credit transaction apparatus, the security authentication by comparing the second authentication code transmitted from the credit provider terminal with the third authentication code transmitted from the credit consumer terminal.

Description

Credit transaction method and credit transaction device based on enhanced security authentication

The present invention relates to a credit transaction method and a credit transaction apparatus based on a credit application with enhanced security authentication, and more specifically, a credit consumer performs a credit transaction using the credit of an asset provided by a credit provider, and the credit provider The present invention relates to a credit transaction method and credit transaction device with enhanced security through security authentication between a credit consumer and a credit transaction device.

In general, electronic commerce (electronic commerce; e-commerce) is a business where buyers can shop and purchase products on an Internet shopping mall site, a virtual space through a network network such as the Internet, without going to a store that sells products directly. It is a form of commerce. Such e-commerce is not only not limited by the seller's business hours at all, but also saves the time and cost required for the buyer to travel directly to the store, so modern people are using it exponentially.

For reference, e-commerce is a field of E-business, which means buying and selling goods or services electronically using the Internet, networks, and other digital technologies, such as advertising, marketing, customer support, delivery, payment, etc. activities may be included. Direct commercial transactions between product suppliers and consumers can be performed in a virtual market environment composed of videos and graphics on the Internet, and payment is generally made through credit cards or electronic money.

1 schematically illustrates a conventional e-commerce system.

As shown in FIG. 1, a user expresses an intention to purchase a product in an online space using a user terminal 1 such as a mobile communication terminal or a computer, and a shopping mall server 2 through an Internet network or a value added network (VAN). ), the shopping mall server 2 requests the authentication authority 3 to authenticate the user's payment method, and the payment gateway (PG; payment gateway, 4) issues the payment method to the financial institution 5, For example, after checking the authentication database secured by the credit card company), the e-commerce transaction is approved.

Currently, most of online e-commerce purchases are made using credit cards, and credit card fees act as a significant burden in the purchase process (Note: As of May 2017, online shopping mall credit Card fees average about 3.5%). In FIG. 1, these credit card fees attributed to the payment gate 4 or the financial institution (card company, 5) are generally borne by product suppliers of electronic commerce, and this becomes a major reason for inhibiting the vitalization of electronic commerce.

In addition, the conventional credit card-based e-commerce method necessarily undergoes an authentication process for a payment method such as a credit card. This authentication process is complicated and cumbersome, and often causes payment errors. It causes a lot of inconvenience to users.

Therefore, in order to solve this conventional problem, credit transactions are performed online using a credit offering based on peer to peer (P2P) credit, and fees and the like are greatly reduced accordingly. There is a growing need in the art by users for enhancing security in such credit transaction systems, as well as new types of credit transaction systems that can do so.

(Patent Document 1) Korean Patent Registration No. 10-1332126 (Title of Invention: "Securities Trading System Using Credit from Financial Institutions")

The present invention has been made to solve the above problems, and the present invention is a credit consumer performing a credit transaction using the credit of an asset provided by a credit provider, but a credit provider, a credit consumer, and a credit transaction device. An object of the present invention is to provide a credit transaction method and a credit transaction device that can enhance security through inter-personal security authentication.

The technical problems of the present invention are not limited to the technical problems mentioned above, and other technical problems not mentioned will be clearly understood by those skilled in the art from the description below.

According to an embodiment of the present invention, a credit transaction method based on credit extension with enhanced security authentication is provided. The method may include performing three-party security authentication for a credit transaction based on a credit extension of the credit provider between a credit transaction device, at least one credit provider, and at least one credit consumer; and when the security authentication is completed, providing the credit transaction to the credit consumer by using the credit of the credit provider, wherein the performing of the security authentication includes a request from the credit transaction device to a credit provider terminal. 1 Sending an authentication code; generating, by the credit provider terminal, a second authentication code based on the first authentication code in response to transmission of the first authentication code, and transmitting the second authentication code to the credit transaction device and the credit consumer terminal; transmitting, by the credit consumer terminal, a third authentication code to the credit transaction device; and performing, by the credit transaction apparatus, the security authentication by comparing the second authentication code transmitted from the credit provider terminal with the third authentication code transmitted from the credit consumer terminal.

According to an embodiment of the present invention, a computer readable recording medium on which a program for performing the method is recorded is provided.

According to an embodiment of the present invention, a credit transaction device based on credit extension with enhanced security authentication is provided. The device may include: a security authentication unit performing security authentication between the credit transaction device, at least one credit provider, and at least one credit consumer for a credit transaction based on the credit extension of the credit provider; a communication unit for transmitting a first authentication code to a credit provider terminal for the security authentication through the security authentication unit; and a transaction processing unit for providing the credit transaction to the credit consumer by using the credit of the credit provider when the security authentication is completed, wherein the communication unit responds to transmission of the first authentication code and transmits the first authentication code from the credit provider terminal. Upon receiving the second authentication code and receiving the third authentication code from the credit consumer terminal, the security authentication unit performs the security authentication by comparing the second authentication code and the third authentication code, wherein the second authentication code is The first authentication code may be generated in the credit provider terminal and transmitted to the credit transaction device and the credit consumer terminal based on the first authentication code.

According to the present invention, a credit consumer performs a credit transaction online based on a credit grant using an asset provided by a credit provider, and the credit transaction is performed through a three-party security authentication including the credit provider, the credit consumer, and the credit transaction device. It can enhance the security of transactions.

In addition, according to the present invention, by utilizing a security authentication code for strengthening security authentication to perform a credit transaction, the security authentication code and the credit limit set correspondingly also provide a function of issuing local currency (virtual currency). it is possible

In order to more fully understand the drawings cited in the detailed description of the present invention, a brief description of each drawing is provided.
1 schematically illustrates a conventional e-commerce system.
2 shows a credit transaction system based on credit extension according to an embodiment of the present invention.
3A and 3B respectively illustrate one embodiment of the system 1000 of FIG. 2 .
4 is a schematic diagram for explaining three-party security authentication according to an embodiment of the present invention.
5 shows a credit transaction device based on credit extension according to an embodiment of the present invention.
6 illustrates a method of operating a credit transaction device based on credit extension according to an embodiment of the present invention.
7 is a schematic diagram for explaining an embodiment in which a plurality of credit providers are provided in a credit transaction system based on credit application according to an embodiment of the present invention.
8 illustrates a credit transaction system based on a credit grant according to an embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described with reference to the accompanying drawings. In adding reference numerals to components of each drawing, it should be noted that the same components have the same numerals as much as possible even if they are displayed on different drawings. In addition, in describing an embodiment of the present invention, if it is determined that a detailed description of a related known configuration or function hinders understanding of the embodiment of the present invention, the detailed description will be omitted. In addition, embodiments of the present invention will be described below, but the technical idea of the present invention is not limited or limited thereto and can be modified and implemented in various ways by those skilled in the art.

Throughout the specification, when a part is said to be "connected" to another part, this includes not only the case where it is "directly connected" but also the case where it is "indirectly connected" with another element interposed therebetween. . Throughout the specification, when a certain component is said to "include", it means that it may further include other components without excluding other components unless otherwise stated. Also, terms such as first, second, A, B, (a), and (b) may be used to describe components of an embodiment of the present invention. These terms are only used to distinguish the component from other components, and the nature, order, or order of the corresponding component is not limited by the term.

Hereinafter, the present invention will describe a method and system for performing a credit transaction on-line based on a 'credit offering', and an apparatus for implementing such a system. In general, credit extension means to temporarily use one's property to another person by crediting another person in financial transactions. It may refer to a credit purchase by a credit consumer for a product from an affiliated store or the like online, or a credit loan for funds from a financial institution.

The present invention provides such a credit grant-based Fintech technology, where the term Fintech is a compound word of finance and technology, and collectively refers to changes in financial services and industries through the convergence of finance and IT. do.

In this way, when a credit transaction system and device are implemented based on credit provision, not only can it provide advantageous effects to both credit providers, credit consumers, platform operators, affiliated stores and/or financial institutions, The security of credit transactions can be further strengthened through the three-party security authentication of the supplier, the credit consumer, and the credit transaction device. Hereinafter, about the credit transaction method, system, device, etc. It will be described in more detail.

FIG. 2 illustrates a credit transaction system based on a credit application according to an embodiment of the present invention, and FIGS. 3A and 3B respectively illustrate an embodiment of the system 1000 of FIG. 2 .

2, 3a and 3b, the credit transaction system 1000 may include a credit supplier terminal 210, a credit consumer terminal 220, an affiliated store server 230, and a credit transaction device 500. can

For reference, each of the blocks 210, 220, 230, and 500 shown in FIGS. 2, 3A, and 3B are exemplary components for explaining the credit transaction system 1000 according to an embodiment of the present invention, Additional components not shown in FIGS. 2 , 3A and 3B may also be included in the credit transaction system 1000 .

The credit provider terminal 210 is a terminal owned by a credit provider, where the credit provider may refer to a person who provides his/her assets to secure the credit of another person (ie, credit consumer). The credit provider terminal 210 may be configured to provide assets of the credit provider to the credit transaction device 500 as collateral. Here, the assets provided by the credit provider may include movable property, real estate, cash, securities, etc., but these are only examples, and any tangible or intangible property with economic value owned by the credit provider, or tangible Or, as an intangible valuable, it can include any asset that can be used as collateral for debt. At this time, if the asset of the credit provider is cash, the cash of the credit provider is an escrow opened by the credit transaction device 500 and/or the business operator operating the device 500 in order to guarantee the creditworthiness of the credit transaction. It may be provided as collateral in the form of deposit into an account, or it may be embodied to be provided as collateral by establishing a pledge in cash.

The credit consumer terminal 220 is a terminal owned by a credit consumer. Here, the credit consumer may refer to a person who receives a credit transaction using the credit of an asset provided by a credit provider. Here, the credit transaction may include at least one of purchasing products on credit and lending on credit for funds. That is, the credit consumer terminal 220 uses the credit of assets provided from the credit provider terminal 210 based on the credit grant agreement concluded between the credit provider and the credit consumer to purchase or purchase products on credit with the affiliated store server 230. It may be configured to perform credit lending of funds. Meanwhile, the credit consumer may be, for example, a person who has a predetermined relationship with the credit provider, such as an acquaintance of the credit provider, a family member, or a member of the same organization (club, alumni association, etc.).

The affiliated store server 230 may refer to a server used by an affiliated store that provides a credit transaction to a credit consumer through an affiliate agreement with the credit transaction device 500 . In one embodiment, as shown in FIG. 3A , an affiliated store may refer to an on-line or off-line store, market, or the like that sells or supplies products to credit consumers. Also, in one embodiment, an affiliate may refer to a financial institution (eg, a bank, etc.) that provides a credit loan for funds to a credit consumer, as shown in FIG. 3B. For example, the affiliate store server 230 exchanges the agreement of the affiliate agreement with the credit transaction device 500, agrees to purchase credit or credit loan with the credit consumer terminal 220, and provides credit within a predetermined credit limit. It is configured to generate credit sales or loans to the consumer terminal 220 . Meanwhile, here, products provided from the affiliated store server 230 may include various goods and/or services.

The credit transaction device 500 may refer to a device of a business operator that provides a platform for performing a credit transaction service based on credit extension according to the present invention. The credit transaction device 500 receives the assets of the credit provider as collateral, and generates a credit limit corresponding to the assets of the credit provider accordingly, and transfers it to the credit provider terminal 210 and/or at least one credit consumer terminal 220. ) can be notified. In addition, the credit transaction device 500 provides (or allocates) the generated credit limit to at least one credit consumer, and notifies each credit consumer terminal 220 of this, thereby allowing the credit consumer to use the merchant server 230 You can get a credit purchase or credit loan for the product from

Based on the structure of the system 1000 of the credit provider terminal 210, the credit consumer terminal 220, the affiliated store server 230, and the credit transaction device 500, a credit transaction is performed, and prior to this, the credit provider , A predetermined agreement or contract may be concluded between credit consumers, merchants (or financial institutions) and/or platform operators to perform such credit transactions.

For example, a credit grant agreement may be established between the credit provider and the credit consumer to provide credit for the credit transaction of the credit consumer using the assets of the credit provider through the respective use terminals 210 and 220 . In addition, for example, between the credit provider and the platform operator, the credit provider's assets are purchased by the credit consumer in the credit transaction system 1000 through the credit provider terminal 210 and the credit transaction device 500 and / or credit loan A collateral provision agreement may be concluded that is provided as collateral for In addition, for example, between the affiliated store and the platform operator, through the affiliated store server 230 and the credit transaction device 500, credit provision of goods (goods or services) to credit consumers, credit loans, and / or periodic purchase amounts , a franchise agreement can be concluded for the settlement of interest, principal, etc.

Meanwhile, although not shown in the system 1000-1 of FIG. 3A, the system 1000-1 of FIG. 3A may further include a financial institution server. The financial institution server refers to a server used by a financial institution, and interworks with the credit provider terminal 210, the credit consumer terminal 220, the affiliated store server 230-1 and/or the credit transaction device 500 according to the present invention. It may be configured to perform account opening, settlement, etc. necessary for conducting credit transactions (ie, credit purchases). Meanwhile, a financial account of a credit consumer may be opened in a financial institution in order to settle a purchase amount on credit.

In the system 1000-1 of FIG. 3A, the settlement according to the credit transaction is performed through the credit transaction device 500 or directly by each affiliated store server 230-1 and the financial institution server 240 It can be. That is, in one embodiment, if the credit transaction device 500 periodically transmits the purchase amount and details of the credit consumer received from the affiliated store server 230-1 to the financial institution server, the financial institution server may send the billed amount and/or Details may be transmitted to the credit consumer terminal 220, and an amount corresponding to the purchase amount may be paid to the credit transaction device 500 (or platform operator) from the account held by the credit consumer. Subsequently, the credit transaction device 500 pays the price for providing the product to each member store. In addition, in one embodiment, when the merchant server 230 periodically transmits the purchase amount and details of the credit consumer to the financial institution server, the financial institution server delivers the billed amount and / or details to the credit consumer terminal 220 and In this case, the amount corresponding to the purchase amount can be directly paid to the affiliated store from the account owned by the credit consumer. When payment of such purchase payment is completed, the affiliated store server 230 - 1 and/or the financial institution server transmits settlement completion details to the credit transaction device 500 .

However, the configuration of the system 1000 is exemplary and is not limited thereto, and may be variously modified according to an embodiment to which the present invention is applied. In addition, in FIGS. 2, 3A and 3B, the terminal and the server are shown separately, but the present invention is not limited thereto, and, for example, it can be modified and implemented as an affiliated store terminal.

4 is a schematic diagram for explaining three-party security authentication according to an embodiment of the present invention.

In order to stably implement the credit application-based credit transaction system 1000 according to the present invention, a credit provider that provides collateral for his/her own assets and credit for receiving credit transactions by utilizing the credit of assets provided from such credit providers Preferably, security authentication for the consumer is performed. FIG. 4 schematically illustrates a flow chart for secure authentication performed between three parties, that is, a credit provider terminal 210 - a credit transaction device 500 - a credit consumer terminal 220 .

According to one embodiment of the present invention, as shown in FIG. 4, the credit transaction device 500 uses a second authentication code transmitted from the credit provider terminal 210 and a third authentication transmitted from the credit consumer terminal 220. It can be implemented to perform secure authentication by comparing codes.

Specifically, the credit transaction device 500 may generate a first authentication code (S410). Here, the first authentication code may include at least information about the identification code (eg, phone number, etc.) of the credit provider terminal 210 . This first authentication code may be transmitted to the credit provider terminal 210 (S420). In this case, in one embodiment, the credit transaction device 500 transmits information (personal information, credit consumer terminal 220) on at least one credit consumer selected by the credit provider, for example, along with transmission of the first authentication code. It may be configured to further transmit the identification code, credit status, requested credit limit, etc.) to the credit provider terminal 210.

In response to receiving the first authentication code transmitted from the credit transaction device 500, the credit provider terminal 210 may generate a second authentication code (S430). Here, the second authentication code may be generated based on the first authentication code. Accordingly, the second authentication code may include information about identification codes (eg, phone numbers, etc.) of the credit provider terminal 210 and/or at least one credit consumer terminal 220 . For example, the second authentication code may be generated so that the identification code of the credit provider terminal 210 and the identification code of the credit consumer terminal 220 are placed thereafter.

This second authentication code may be transmitted from the credit provider terminal 210 to the credit transaction device 500 and/or the credit consumer terminal 220 (S440). In this case, the second authentication code may be implemented to be transmitted to at least one of the credit transaction device 500 and the credit consumer terminal 220 in an encrypted form in order to further enhance security. Meanwhile, the credit transaction device 500 may permanently or temporarily store the second authentication code transmitted from the credit provider terminal 210 .

Subsequently, the credit consumer terminal 220 may transmit a third authentication code to the credit transaction device 500 (S450). In this case, the third authentication code may be the same authentication code as the second authentication code received from the credit provider terminal 210 . That is, the credit consumer terminal 220 transmits the same authentication code as the second authentication code received from the credit provider terminal 210 to the credit transaction device 500 as the third authentication code.

Next, the credit transaction device 500 compares the second authentication code received from the credit provider terminal 210 and the third authentication code received from the credit consumer terminal 220 (S460), and grants credit according to the comparison result. Security authentication for the based credit transaction may be performed (S470).

That the first authentication code including the identification code of the credit provider terminal 210 was normally transmitted to the credit provider terminal 210, the second including the identification codes of the credit provider terminal 210 and the credit consumer terminal 220 The credit transaction system seen from the fact that the authentication code was normally transmitted from the credit provider terminal 210 to the credit consumer terminal 220 and that the third authentication code transmitted from the credit consumer terminal 220 matches the second authentication code. In 1000, it is confirmed that the credit provider terminal 210, the credit consumer terminal 220, and the credit transaction device 500 correspond to legitimate objects and that system security is stably maintained without external intrusion such as hackers. can be authenticated.

On the other hand, transmission of the second authentication code and the third authentication code according to steps S440 and S450 involves the conclusion of a collateral provision agreement and / or credit grant agreement for performing credit transactions between a credit provider and a credit consumer and / or platform operator. can do. That is, the second authentication code is generated from the credit provider terminal 210 and transmitted to the credit consumer terminal 220 and the credit transaction device 500, and the credit consumer terminal 220 receiving the second authentication code is the same as the second authentication code. By transmitting the third authentication code to the credit transaction device 500 again, it may be implemented to replace the conclusion (ie, subscription and acceptance) of a collateral provision agreement and/or credit provision agreement.

5 illustrates a credit transaction device based on credit extension according to an embodiment of the present invention.

Referring to FIG. 5 , the credit transaction device 500 may include a communication unit 510 , a storage unit 520 and a control unit 530 . For reference, the units shown in FIG. 5 correspond to exemplary units of the credit transaction device 500 according to an embodiment of the present invention, and thus it will be apparent that additional units may be further provided.

The communication unit 510 is provided for direct connection to the outside (eg, credit provider terminal 210, credit consumer terminal 220, affiliated store server 230, etc.) or connection through a network, wired and/or It may be the wireless communication unit 510 . Specifically, the communication unit 510 transmits data from the control unit 530 and the storage unit 520 by wire or wirelessly, or receives data from the outside wired or wirelessly and transfers the data to the control unit 530 or the storage unit 520. ) can be stored. The above data includes personal information of credit providers and credit consumers, affiliate store information, credit provider’s asset information provided as collateral, collateral provision agreement, franchise agreement, information on credit extension agreement, etc., credit limit, credit transaction history, credit consumer’s financial account, etc. information may be included. The communication unit 510 is a LAN (LAN), WCDMA (Wideband Code Division Multiple Access), LTE (Long Term Evolution), WiBro (Wireless Broadband Internet), RF (Radio Frequency) communication, wireless LAN (Wireless LAN), Wi-Fi (Wireless Fidelity), Near Field Communication (NFC), Bluetooth, and infrared communication. However, this is just an example, and various wired and wireless communication technologies applicable in the art may be used according to an embodiment to which the present invention is applied.

Various data accompanying the operation of the credit transaction device 500 may be stored in the storage unit 520 . The above data includes personal information of credit providers and credit consumers, affiliate store information, credit provider’s asset information provided as collateral, collateral provision agreement, franchise agreement, information on credit extension agreement, etc., credit limit, credit transaction history, credit consumer’s financial account, etc. Information may be included, but is not limited thereto. As known to those skilled in the art, the storage unit 520 includes a hard disk drive (HDD), a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and a flash memory ( Flash memory), CF (Compact Flash) card, SD (Secure Digital) card, SM (Smart Media) card, MMC (Multimedia) card, or Memory Stick, etc. It may be provided inside the device 500 or may be provided in a separate device.

The control unit 530 may perform a data processing function of controlling the overall operation of the credit transaction device 500 and signal flow between internal components thereof, and processing data. To this end, the control unit 530 may include a contract unit 531, a limit setting unit 532, a transaction processing unit 533, a settlement unit 534, and a security authentication unit 535.

The contracting unit 531 communicates with the affiliated store server 230 to provide a credit transaction (that is, purchase on credit for a product) to a credit consumer designated by the affiliated store and credit provider within the range of the credit limit, or to provide funds corresponding to the credit limit. You can conclude a franchise agreement to provide credit loans, etc.) In addition, the contracting unit 531 may enter into a collateral provision agreement in which assets held by the credit provider are provided as collateral for credit extension to the credit consumer through communication with the credit provider terminal 210 . In addition, the contracting unit 531, through communication with the credit provider terminal 210 and the credit consumer terminal 220, between the credit provider and at least one credit consumer designated by the credit provider, assets of the credit provider as security for credit transactions. It is possible to conclude a credit grant agreement with the contents of the provision.

The limit setting unit 532 may generate a credit limit corresponding to the assets of the credit provider provided as collateral, and provide (or allocate) the created credit limit to at least one credit consumer selected by the credit provider. The created and/or assigned credit limit may be transmitted to the credit provider terminal 210 , the credit consumer terminal 220 and/or the affiliated store server 230 .

Based on the credit limit, the transaction processing unit 533 may provide a credit transaction to at least one credit consumer using the credit of the asset of the credit provider. For example, the transaction processing unit 533 may allow each credit consumer to receive a product from the affiliated store server 230 through credit purchase within a credit limit allocated to the credit consumer. Also, for example, the transaction processing unit 533 may allow each credit consumer to receive a credit loan for a corresponding fund from the affiliated store server 230 within a credit limit allocated to the credit consumer.

The settlement unit 534 may settle an amount (eg, purchase amount on credit, principal amount of loan, interest, etc.) according to each credit transaction of each credit consumer for a predetermined period. Such settlement may be performed using a financial account of the credit consumer opened in the financial institution in association with an open application programming interface (API) of the financial institution.

The security authentication unit 535 communicates with the credit provider terminal 210 and the credit consumer terminal 220 through the communication unit 510 to perform security authentication between the credit provider and the credit consumer as described above with reference to FIG. 4 . can be done

A more specific operation of the controller 530 will be described in more detail with reference to FIG. 6 below.

Meanwhile, although not shown in FIG. 5 , the credit transaction device 500 may further include an input unit. Various data may be input to the input unit by a user (or manager) of the credit transaction device 500 . The user input unit may use various input devices applicable in the art, such as keys, touch panels, and switches.

Also, although not shown in FIG. 5 , the credit transaction device 500 may further include a display unit. The display unit may display images or data provided from the controller 530 on the screen and provide a user interface for user input required for the operation of the credit transaction device 500 . The display unit may be formed of a liquid crystal display (LCD), an organic light emitting diode (OLED), an active matrix organic light emitting diode (AMOLED), or the like.

6 illustrates a method of operating a credit transaction device based on credit extension according to an embodiment of the present invention.

In step S610, the limit setting unit 532 may receive assets as collateral from a credit provider. For example, the limit setting unit 532 transmits information about an escrow account opened for the purpose of providing collateral through the communication unit 510 to the credit provider terminal 210, so that the credit provider is an asset in the account. Assets can be provided as collateral by a credit provider in a way that requires depositing (for example, cash). However, this method is exemplary, and the limit setting unit 532 sets a security right on real estate owned by a credit provider, or sets a pledge right on movable property, securities, etc., according to an embodiment to which the present invention is applied, various methods It can be implemented to receive the assets of the credit provider as collateral.

In one embodiment, certain rewards may be included with these assets provided by the credit provider. That is, the credit provider may provide rewards (points, reserves, etc.) paid from the credit transaction device 500 as collateral for credit extension as a price for providing collateral or credit transaction of the credit consumer. Accordingly, since the credit provider's reward also increases as the amount according to the credit transaction increases, the credit extension based credit transaction according to an embodiment of the present invention can be more activated.

Also, in one embodiment, prior to performing step S610, the contracting unit 531 may conclude a collateral provision agreement with a credit provider. For example, the contracting unit 531 transmits the contents of the collateral provision agreement to the credit provider terminal 210, and in response, receives consent to the agreement from the credit provider terminal 210, thereby concluding the collateral provision agreement. can be implemented

In step S620, the limit setting unit 532 may generate a credit limit for at least one credit consumer in response to the asset provided as collateral. For example, the limit setting unit 532 may create a credit limit at a predetermined ratio (eg, 70% to 100%, etc.) with respect to the value of the collateral provided by the credit provider. Such a credit limit may be generated by applying a different ratio depending on the type of asset provided, the credit information of the credit provider, and the like. In addition, for example, when a credit consumer performs a credit transaction, when an amount according to a credit transaction of a credit consumer is settled, or when there is a change in assets, reserves, etc. provided by a credit provider, Credit limits may be renewed or changed. This credit limit may be provided to the credit provider terminal 210 and/or the credit consumer terminal 220 through the communication unit 510 .

In step S630, the security authentication unit 535 may perform security authentication for credit transaction based on a credit application through a plurality of authentication codes. Here, the authentication code may be composed of numbers, symbols, figures, characters, etc., or may be generated in various forms such as barcodes and QR CODE (Quick Response Code), but is not limited thereto.

First, the security authentication unit 535 transmits a first authentication code including information about the identification code (eg, phone number) of the credit provider terminal 210 to the credit provider terminal 210 through the communication unit 510. can transmit In response to this, the credit provider terminal 210 generates a second authentication code based on the first authentication code and transmits it to the credit transaction device 500 and the credit consumer terminal 220 . Here, the second authentication code may include information about identification codes of the credit provider terminal 210 and at least one credit consumer terminal 220 .

Subsequently, the security authentication unit 535 may receive a second authentication code and a third authentication code from the credit provider terminal 210 and the credit consumer terminal 220 , respectively. In response to receiving such an authentication code, the security authentication unit 535 mutually compares the second authentication code transmitted from the credit provider terminal 210 and the third authentication code transmitted from the credit consumer terminal 220, thereby providing a basis for credit granting. It can perform security authentication for credit transactions. For example, the security authentication unit 535 may complete security authentication when the second authentication code transmitted from the credit provider terminal 210 and the third authentication code transmitted from the credit consumer terminal 220 match each other. there is.

In step S640, the contract unit 531 may conclude a credit grant agreement between the credit provider and the credit consumer. To this end, the contracting unit 531 may be configured to provide the credit provider terminal 210 with a predetermined interface for selecting a credit consumer to whom credit for the asset provided as collateral is to be granted. For example, when a credit provider selects (or designates) a credit consumer through this interface, the contracting unit 531 responds to this to the credit provider terminal 210 and the credit consumer terminal 220 for a credit grant agreement. A credit grant agreement can be concluded by transmitting the contents and receiving consent to the agreement from both parties.

In an embodiment, step S640 may further include detecting at least one credit consumer matched with a credit provider, and recommending the detected credit consumer to the credit provider. That is, for example, the contracting unit 531 refers to personal information about credit providers and/or credit consumers stored in the storage unit 520, requesting credit limit, credit status, location, relationship with credit providers, etc. It is possible to detect at least one credit consumer that matches the credit provider based on, and by displaying the information of the credit consumer detected through the interface on the credit provider terminal 210, the credit provider selects a credit consumer to whom credit is granted. can be implemented to select

Also, in one embodiment, step S640 may be performed based on a credit consumer's request. To this end, the contract unit 531 may be configured to provide the credit consumer terminal 220 with a predetermined interface for requesting a credit grant from at least one credit provider. For example, when a credit consumer selects at least one credit provider to request a credit extension through such an interface, the request may be transmitted to the selected credit provider terminal 210 . Subsequently, when the credit provider accepts the request, the security authentication unit 535 performs a security authentication procedure between the three parties, and when the security authentication is completed (or simultaneously with the security authentication procedure), the contract unit 531 conducts a security authentication between the credit provider and the credit provider. It may be configured to perform the conclusion of a credit grant agreement between consumers. In addition, in this case, depending on the embodiment, it may be implemented so that the credit provider can set whether or not to receive the credit grant request (or the condition of the credit consumer who can transmit the request). That is, for example, in the interface provided to the credit consumer terminal 220, only information on credit providers that have agreed to receive credit grant requests is posted, and by selecting at least one of these credit providers, the credit consumer accepts the credit grant request. It can be implemented to transmit.

Meanwhile, such a credit grant agreement may be performed following step S630. That is, as described above, the second authentication code is generated from the credit provider terminal 210, transmitted to the credit consumer terminal 220 and the credit transaction device 500, and the credit consumer terminal that receives the second authentication code (220) may be implemented to replace the conclusion of a credit agreement by transmitting the same third authentication code to the credit transaction device 500 again.

In step S650, the limit setting unit 532 may allocate the generated credit limit to at least one credit consumer. For example, when a credit provider enters into a credit extension agreement with one or more credit consumers, the credit limit generated based on each credit agreement may be allocated to each of the one or more credit consumers in equal or different amounts.

In one embodiment, step S650 may be implemented to be performed only for credit consumers for which security authentication has been completed. That is, for example, in step S630, if the third authentication code transmitted from the credit consumer terminal 220 matches the second authentication code, a predetermined credit limit will be allocated to the credit consumer of the corresponding terminal 220. can

In step S660, the transaction processing unit 533 may provide a credit transaction with the affiliated store to the credit consumer. Specifically, the transaction processing unit 533 transmits, through the communication unit 510, information on the credit limit allocated to each of the credit consumer and the credit consumer, information on the second authentication code, and the like to the affiliated store server 230. , It may be implemented so that the credit consumer performs a credit transaction with the affiliated store server 230 within the range of the assigned credit limit. In this case, as described above, the credit transaction may include at least one of purchasing products on credit and lending on credit for funds. On the other hand, in one embodiment of the present invention, when a credit consumer performs a credit transaction from an arbitrary affiliated store, the transaction processing unit 533 updates (or subtracts) the balance of the credit limit in response to this in the storage unit 520. It may be configured to store and transmit information about the updated credit limit to the affiliated store server 230 .

In step S670, the settlement unit 534 may settle the amount (credit purchase amount, interest, principal, etc.) according to the credit transaction for each credit consumer. This step S570 may be performed periodically for a predetermined period of time, and may be performed using an account of a credit consumer opened in a financial institution in association with an open application programming interface (API) of the financial institution.

For example, if the credit transaction is a credit purchase, the settlement unit 534 receives information on the purchase price and details of each credit consumer from the affiliated store server 230, stores it in the storage unit 520, and Information on purchase amounts and details of purchases for a predetermined period of each credit consumer may be accumulated and transmitted to the financial institution server 240 on a due date (eg, a specific date of each month or week). Then, the settlement unit 534 interworks with the API of the financial institution server 240 to transfer the amount corresponding to the purchase amount from the credit consumer's account, and the price of the product provided by each affiliated store server 230 to the credit consumer Settlement can be completed by paying each affiliate. At this time, at least a part of the credit purchase fee paid by the credit consumer may be implemented to be distributed to a business operator operating the credit transaction device 500 and/or a credit provider that has granted credit to the credit consumer.

In addition, for example, if the credit transaction is a credit purchase, the settlement unit 534 based on the information on credit loan approval details (loan principal, repayment conditions, loan period, interest rate, etc.) transmitted from the affiliated store server 230 , Settlement can be completed by periodically paying repayment of the principal of the loan, interest, etc. to the merchant (i.e., financial institution). At this time, at least a part of the interest paid by the credit consumer may be implemented to be distributed to a business operator operating the credit transaction device 500 and/or a credit provider that has provided credit to the credit consumer.

In step S670, when the settlement is completed, the limit setting unit 532 may update the credit limit assigned to each credit consumer. That is, the credit limit allocated to the credit consumer is valid for a predetermined period, the balance of the limit is gradually deducted according to the credit transaction of the credit consumer within that period, and once the settlement is completed, the credit limit is newly allocated for the following regular period. It can be implemented as possible.

Meanwhile, in one embodiment, steps S650 to S670 may be performed based on a security-certified authentication code. That is, for example, by allocating a credit limit for each credit consumer in response to the first authentication code and/or the second authentication code associated therewith, or storing and updating the allocated credit limit according to credit transactions and settlements. Steps S650 to S670 may be performed. Also, in this case, the generated first authentication code and/or second authentication code may be used for authentication of the credit supplier and the credit consumer during credit transaction and settlement.

As such, according to the present invention, by using a three-party authentication code for credit and security enhancement provided by a credit provider, a credit consumer can perform a credit transaction (in particular, a credit purchase), thereby providing a security authentication code and a corresponding security authentication code. It becomes possible for the managed line of credit to serve as a local or virtual currency.

7 is a schematic diagram for explaining an embodiment in which a plurality of credit providers are provided in a credit transaction system based on credit application according to an embodiment of the present invention.

As shown in FIG. 7 , in the credit transaction system 1000 according to an embodiment of the present invention, a plurality of credit providers providing credit for their own assets may be implemented for one credit consumer.

That is, the credit transaction device 500 may proceed with a collateral provision agreement with each of the plurality of credit provider terminals 210-1, 210-2, ... 210-M, and the plurality of credit provider terminals 210-1, 210-M 2, ... 210-M) may each exchange a credit grant agreement with the credit consumer terminal 220.

In addition, when the credit transaction device 500 sets the credit limit of the credit consumer, the total limit obtained by summing all the credit limits allocated from each of the plurality of credit provider terminals 210-1, 210-2, ... 210-M. It may be configured to set as the credit limit of the credit consumer.

In addition, the security authentication unit 535 of the credit transaction device 500 may perform the security authentication illustrated in FIG. 4 for each of the plurality of credit provider terminals 210-1, 210-2, ... 210-M. .

As such, according to an embodiment of the present invention, by enabling credit transactions by securing the credit of assets provided by a plurality of credit providers, the risks associated with credit transactions (e.g., credit consumer's default, overdue etc.) can be distributed.

8 illustrates a credit transaction system based on credit extension according to an embodiment of the present invention.

Referring to FIG. 8 , in the credit transaction system 2000 according to an embodiment of the present invention, a credit consumer receiving a credit extension using an asset provided by a credit provider is a plurality of users belonging to a specific user group 820. can be Here, the user group 820 is an organization based on region, region, school ties, etc. (eg, local alumni association, alumni association, family gathering, etc.) or a group created for a predetermined purpose (social organization, association, donation group, etc.) It may include various types of organizations or gatherings, such as, etc., and a user may refer to a member belonging to such a user group 820.

That is, when a credit provider selects a specific user group 820 through the credit provider terminal 210, a plurality of users belonging to the user group 820 may be designated as credit consumers. Subsequently, the credit transaction device 500 causes the credit provider terminal 210 and the plurality of user terminals 820-1, 820-2, ... 820-N to exchange credit agreements, thereby establishing the same user group 220' It is possible to conclude a credit grant agreement between a plurality of users belonging to and a credit provider.

In this way, when credit consumers are a plurality of users belonging to a specific user group 820 , a credit limit generated corresponding to an asset provided by a credit provider may be assigned to the user group 820 . That is, a plurality of users who have entered into a credit grant agreement with a credit provider may receive credit transactions within the range of the entire credit limit assigned to the user group 820 . However, this is just an example, and according to an embodiment to which the present invention is applied, such as distributing the credit limit allocated to the user group 820 equally or differently to a plurality of users belonging to the user group 820 according to a predetermined criterion, It can be modified in various ways.

When a credit limit is assigned to the user group 820 and/or a plurality of users belonging to the group, the credit transaction device 500 connects the credit provider terminal 210 and/or the plurality of user terminals 820-1 and 820-2. , … 820-N) may be notified.

Meanwhile, a credit provider that grants asset credit to a plurality of users belonging to the user group 820 may be another user belonging to the same user group. In addition, in this case, it is also possible to be implemented so that the user who is a credit provider grants credit for his or her assets to the user group 820', and at the same time, the credit provider himself can enjoy the benefits of credit transaction as a credit consumer.

In addition, in the system 2000 according to the present invention, the security authentication unit 535 of the credit transaction device 500 is illustrated in FIG. 4 for each of a plurality of user terminals 820-1, 820-2, ... 820-N. security authentication can be performed.

Meanwhile, various embodiments described in this specification may be implemented by hardware, middleware, microcode, software, and/or combinations thereof. For example, various embodiments may include one or more application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), ), processors, controllers, microcontrollers, microprocessors, other electronic units designed to perform the functions presented herein, or combinations thereof.

Also, for example, various embodiments may be embodied or encoded in a computer-readable medium containing instructions. Instructions embodied or encoded on a computer-readable medium can cause a programmable processor or other processor to perform a method, eg, when the instructions are executed. Computer-readable media includes computer storage media. A storage medium may be any available medium that can be accessed by a computer. For example, "such computer-readable media may include RAM, ROM, EEPROM, CD-ROM" or other optical disk storage media, magnetic disk storage media or other magnetic storage devices "or instructions accessible by a computer that contain desired program code or any other medium that can be used for storage in the form of data structures.

Such hardware, software, firmware, etc. may be implemented within the same device or within separate devices to support the various operations and functions described herein. Additionally, components, units, modules, components, etc., described as "-units" in the present invention may be implemented together or separately as separate but interoperable logic devices. Depiction of different features for modules, units, etc. is intended to highlight different functional embodiments and does not necessarily mean that they must be realized by separate hardware or software components. Rather, functionality associated with one or more modules or units may be performed by separate hardware or software components or integrated within common or separate hardware or software components.

While actions are depicted in the drawings in a particular order, it should not be understood that these actions need to be performed in the specific order shown, or in a sequential order, or that all depicted actions need to be performed to achieve a desired result. . In some circumstances, multitasking and parallel processing may be advantageous. Moreover, the division of various components in the above-described embodiments should not be understood as requiring such division in all embodiments, and the described components may generally be integrated together into a single software product or packaged into multiple software products. It should be understood that it is possible

As described above, the optimum embodiment has been disclosed in the drawings and specifications. Although specific terms have been used herein, they are only used for the purpose of describing the present invention and are not used to limit the scope of the present invention described in the claims or defining the meaning. Therefore, those of ordinary skill in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical scope of protection of the present invention should be determined by the technical spirit of the appended claims.

Claims (17)

As a credit transaction method based on credit extension with enhanced security authentication,
Performing three-party security authentication between a credit transaction device, at least one credit supplier, and at least one credit consumer for a credit transaction based on the credit provision of the credit supplier, wherein the credit transaction includes purchase of goods on credit. — ; and
When the security authentication is completed, providing the credit transaction to the credit consumer using the credit of the credit provider;
The step of performing the security authentication is,
transmitting a first authentication code from the credit transaction device to a credit provider terminal;
generating, by the credit provider terminal, a second authentication code based on the first authentication code in response to transmission of the first authentication code, and transmitting the second authentication code to the credit transaction device and the credit consumer terminal;
transmitting, by the credit consumer terminal, a third authentication code to the credit transaction device; and
performing the security authentication by the credit transaction device comparing the second authentication code transmitted from the credit provider terminal with the third authentication code transmitted from the credit consumer terminal;
receiving an asset as collateral from the credit provider;
corresponding to the secured asset, generating a credit limit for at least one credit consumer; and
allocating the generated credit limit to each of the credit consumers;
The providing of the credit transaction is performed within the range of the credit limit assigned to each of the credit consumers,
wherein the assigning of the credit limit is performed when the second authentication code transmitted from the credit provider terminal and the third authentication code transmitted from the credit consumer terminal match. According to claim 1,
wherein the first authentication code includes an identification code of the credit provider terminal, and the second authentication code includes an identification code of at least one of the credit provider terminal and the credit consumer terminal. delete delete delete According to claim 1,
in the step of allocating the credit limit, the credit limit is allocated for one of the credit consumers from a plurality of the credit providers;
wherein the providing of credit is performed within a range of the sum of the credit limits allocated from a plurality of the credit providers. According to claim 1,
further comprising the step of settling an amount according to the credit transaction provided to the credit consumer;
The settlement step is performed using a financial account of the credit consumer opened in the financial institution in association with an open application programming interface (API) of the financial institution. According to claim 1,
The credit consumer includes a plurality of users belonging to a predetermined user group,
In the providing of the credit transaction, the credit transaction is provided to the plurality of users within a range of a credit limit allocated to the user group among the generated credit limits;
Security authentication for the credit transaction based on the credit extension is performed for each of the plurality of users. A computer-readable recording medium on which a program for performing the method according to any one of claims 1, 2, and 6 to 8 is recorded. As a credit transaction device based on credit extension with enhanced security authentication,
A security authentication unit that performs a three-party security authentication for a credit transaction based on the credit extension of the credit provider between the credit transaction device, at least one credit provider, and at least one credit consumer - the credit transaction is credit purchase for a product including ― ;
a communication unit for transmitting a first authentication code to a credit provider terminal for the security authentication through the security authentication unit; and
When the security authentication is completed, a transaction processing unit providing the credit transaction to the credit consumer using the credit of the credit provider;
When the communication unit receives the second authentication code from the credit provider terminal and the third authentication code from the credit consumer terminal in response to transmission of the first authentication code, the security authentication unit receives the second authentication code and the second authentication code. 3 Perform the security authentication by comparing authentication codes,
The second authentication code is generated in the credit provider terminal based on the first authentication code and transmitted to the credit transaction device and the credit consumer terminal;
Further comprising a limit setting unit receiving an asset from the credit provider as collateral and generating a credit limit for the at least one credit consumer in response to the asset provided as collateral;
The limit setting unit allocates the generated credit limit to each of the credit consumers;
The transaction processing unit provides the credit transaction within the range of the credit limit allocated to each of the credit consumers,
wherein the limit setting unit allocates the generated credit limit to each of the credit consumers when it is determined by the security authentication unit that the second authentication code and the third authentication code match. According to claim 10,
wherein the first authentication code includes an identification code of the credit provider terminal, and the second authentication code includes an identification code of at least one of the credit provider terminal and the credit consumer terminal. delete delete delete According to claim 10,
When the credit limit is assigned to one credit consumer from a plurality of credit providers by the limit setting unit,
wherein the transaction processing unit provides the credit transaction to the credit consumer within a range of the sum of the credit limits allocated from a plurality of the credit providers. According to claim 10,
Further comprising a settlement unit for settling the amount according to the credit transaction provided to the credit consumer,
The settlement unit performs the settlement of the amount using a financial account of the credit consumer opened in the financial institution in association with an open application programming interface (API) of the financial institution. According to claim 10,
The credit consumer includes a plurality of users belonging to a predetermined user group,
The transaction processing unit provides the credit transaction to the plurality of users within a range of a credit limit allocated to the user group among the generated credit limits;
The security authentication unit performs security authentication for the credit transaction based on the credit grant for each of the plurality of users.

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