KR20040080687A - Method to provide lending service by using mobile telephones and wire telephones - Google Patents

Abstract

PURPOSE: A loan service method using a mobile phone or a fixed line phone is provided to allow a user to quickly get a small amount of loan from a bank. CONSTITUTION: A Web side(12) receives an authentication request information and an account number for payment of a loan from a terminal(11) of a client that requests for a loan(1). The Web site(12) transmits the inputted authentication request information to an authentication system(13). The authentication system(13) delivers the information to a server(14) of a communication provider to request to authenticate the client. The server(14) authenticates the client and provides a corresponding result to the authentication system(13)(2). The authentication system(13) provides an authentication number to the client, and the client checks the authentication number and then inputs it to the Web site(12)(3). The Web site(12) requests a server(15) of a bank to credit money to an account of the client(4), and the server(15) sends money to the account of the client(5).

Description

Method of provide lending service by using mobile telephones and wire telephones}

The present invention relates to a loan service method using a mobile phone and a landline, and in particular, to authenticate a customer using a system for paying a certain cost through a mobile phone and a landline, and to immediately deposit a loan to the corresponding customer account in the financial sector. In order to provide a convenient and rapid small loan service.

Currently, a post-paid payment service is provided that enables users to easily pay for purchases of paid information or small products sold on the Internet using mobile phones or landlines. Representative companies that provide such services include Wowcoin Inc. (http://classic.wowcoin.com), and the purchase price is charged on the mobile phone or landline phone bill without the need for other subsidiary payment methods such as credit card or bank account. It provides a new concept payment service that is integrated billing. In these services, customer authentication is performed between WowCoin and its telecommunications operators (mobile telecommunications providers such as SK Telecom, LG Telecom, and KTF, and wireline operators such as Korea Telecom and Dacom).

On the other hand, various loan products are sold in the financial sector, and there are various ways of executing loans. However, most loans are inconvenient because they have to visit a financial company directly, and if a small amount is required, cash services may be used, but only a customer with a credit card has a high interest rate. In particular, for college students, the amount of money needed for real life is not large, and the amount of money urgently needed is about 30,000 to 50,000 won. Therefore, it would be very convenient for the customer authentication to be able to conveniently use the loan service of tens of thousands while using the easy payment system as it is.

Accordingly, the present invention has been proposed to meet the needs as described above, by using a payment service using a mobile phone and landline telephone to authenticate the customer, and immediately after the authentication in the financial sector to deposit a small loan to the account of the customer, The purpose is to provide a method for providing a convenient small loan service.

In order to achieve the above object, the loan service method using a mobile phone and a landline according to the present invention, the authentication request information required to authenticate the customer using a mobile phone number or a landline number from the customer through a certain website; Receiving an account number necessary for a loan; The web site transmits the inputted authentication request information to an authentication system for authenticating a customer using a mobile phone number or a wired telephone number, and the authentication system communicates with a server of a corresponding service provider to communicate with the mobile phone or wired telephone customer. Authenticating; The authentication system providing an authentication number according to the authentication result to the customer, wherein the customer confirms the authentication number and inputs it to the web site; The web site, when the customer inputs an authentication number, requesting the server of the financial institution to deposit a loan to the account number of the customer; The server of the financial institution depositing a loan to the account of the customer; The telecommunications operator billing the loan together with the telecommunication fee to the customer; And when the customer pays the loan together with the communication fee to the telecommunication service provider, calculating a predetermined amount between the telecommunication service provider and the web site operator and the authentication system operator.

1 is an embodiment of a loan service method using a mobile phone and a landline according to the present invention;

2 is an embodiment related to the transmission of an authentication number;

3 illustrates an embodiment of a loan settlement process.

* Explanation of symbols for main parts of the drawings

11: customer terminal 12: website

13: authentication system 14: operator's server

15: Financial company server 16: Customer account

21: mobile network 22: SMS server

30: Automated Response System

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

Referring to Figure 1 is a loan service using a mobile phone and landline according to the present invention is a terminal 11 of the customer who wants to obtain a loan service, a web site 12 that allows the customer to apply for a loan service on the Internet, a communication service provider An authentication system 13 for authenticating a customer using a mobile phone and a landline while communicating with the server 14, and a server 14 of a carrier that provides a mobile phone or landline service and charges a certain amount along with a communication fee. , The server 15 of the financial company that deposits the loan to the customer, etc. is made in conjunction with each other.

The authentication system 13 refers to a system that provides a service that enables payment of a predetermined amount made on the Internet using a mobile phone or a landline in connection with a telecommunication service provider. Currently, the representative company that provides such a service is Wowcoin. In the description of the present invention, the service provided by WOWIN Co., Ltd. is described as a main example, but is not limited thereto. It is determined whether the customer is entitled to a loan by using the customer information of the carrier while communicating with the carrier. It is a comprehensive inclusion of a verifiable system.

Telecom operators are those that provide mobile telecommunications services, such as SK Telecom, LG Telecom, and KTF, and those that provide fixed line services such as Korea Telecom and Dacom. These operators are in a position to determine whether they are eligible to borrow a small amount of tens of thousands of won through customer information (such as payment details of the customer's communication fee).

In order to receive a loan service according to the present invention, a customer must access the web site 12 and apply for a loan. Of course, the web site 12 can provide various services that are performed on a general Internet site, such as providing general information, membership registration and management, bulletin board operation according to the loan service.

In the first step, the web site 12 receives from the customer terminal 11 applying for a loan an authentication request information necessary for authenticating a customer using a mobile phone number or a landline phone number and an account number for depositing a loan. Here, the authentication request information may include a social security number, a name, a mobile phone number or a landline number as information for identifying a customer.

When the customer inputs the authentication request information in the first step, the web site 12 transmits the input authentication request information to the authentication system 13. Then, the authentication system 12 transmits the authentication request information to the server 14 of the communication service provider and requests to authenticate the mobile phone or wireline customer. The server 14 of the telecommunication service provider who has received this request checks the customer information, authenticates the corresponding customer, and returns the result to the authentication system 13 (step 2).

The authentication system 13 which has received the authentication result in accordance with the authentication request in the second step provides the authentication number to the customer, and the customer checks the authentication number and inputs it to the website 12 (step 3). In this case, the authentication number may be directly assigned by the authentication system 13 after receiving an authentication approval message from the server 14 of the service provider, and may be configured to be given by the service provider and sent to the authentication system 13.

In the third step, a method of delivering the authentication number to the customer may be various. Referring to Figure 2, when using a mobile phone may be sent to the mobile phone 11-1 of the customer in the form of a text message through the SMS server 22 in conjunction with the mobile communication network 21, a landline phone In the case of use, it may be provided by voice through an automatic response system 30 (ARS). Then, the customer can visually check the authentication number appearing on the screen of the mobile phone 11-1, and after accessing the automatic answering system using a general landline telephone terminal 11-2 or other telephone terminal, the authentication number You can check.

This third step may be performed immediately after the authentication is performed by entering the authentication request information in the first step, and the customer who has received the authentication number subsequently accesses the website 12 again at an arbitrary point in time. You can also configure to continue the loan process by entering.

When the customer enters the authentication number, the website 12 requests the server 15 of the financial institution to deposit a loan to the account number of the customer (step 4), and the server 15 of the financial institution receives the corresponding customer account. Deposit the loan (step 5). In this case, the loan amount is preferably fixed and operated at a small amount of tens of thousands in view of authenticating the customer with respect to a mobile phone or a landline phone. In addition, the loan amount of each carrier may be different.

On the other hand, the recovery of the loan is made by the telecommunications provider, the server 14 of the telecommunications carrier bills the loan when the customer charges the communication fee, and the customer pays the loan together with the communication fee (step 6 ). Here, the server 14 of the carrier may be configured to operate each function integrally, of course, may be configured to operate independently. In other words, the server claiming the loan can be operated independently of the server performing the authentication function.

When a customer pays a loan along with a communication fee to a service provider, a settlement process is performed between the service provider 14-1, the authentication operator 13-1 operating the authentication system, and the website operator 12-1. (Step 7).

Referring to FIG. 3, an embodiment in which settlement is performed in the seventh step is performed. The telecommunication service provider 14-1 having repaid the loan is paid to the authentication service provider 13-1 by deducting a certain fee. The operator 13-1 pays the website operator 12-1 an amount deducting a certain fee from the amount received from the telecommunications operator 14-1. Then, the web site operator 12-1 pays the loan to the financial company 15-1 by using the amount paid from the authentication provider 13-1.

The above-described embodiments are intended to help the understanding of the present invention, and the present invention is not limited to the above-described embodiments and can be variously modified and implemented by those skilled in the art without departing from the technical spirit of the present invention. to be.

Using the present invention, it is possible to provide a quick and convenient small loan service to a customer using a mobile phone or landline. As a result, college students who are mobile phone or landline subscribers can borrow a small amount of 40,000 to 50,000 won.

Claims (4)

Receiving an authentication request information necessary for authenticating the customer using a mobile phone number or landline phone number and account number for the loan from the customer through a certain website; The web site transmits the inputted authentication request information to an authentication system for authenticating a customer using a mobile phone number or a wired telephone number, and the authentication system communicates with a server of a corresponding service provider to communicate with the mobile phone or wired telephone customer. Authenticating; The authentication system providing an authentication number according to the authentication result to the customer, wherein the customer confirms the authentication number and inputs it to the web site; The web site, when the customer inputs an authentication number, requesting the server of the financial institution to deposit a loan to the account number of the customer; The server of the financial institution depositing a loan to the account of the customer; The telecommunications operator billing the loan together with the telecommunication fee to the customer; And When the customer pays the loan with the communication fee to the telecommunications provider, a small loan using a mobile phone and a landline, comprising the step of calculating a certain amount between the operator and the website operator and the authentication system operator Service method. The method of claim 1, The authentication number is a small loan service method using a mobile phone and a landline, characterized in that provided in the form of a text message to the customer's mobile phone. The method of claim 1, The authentication number is a small loan service method using a mobile phone and a landline, characterized in that provided by voice through a schedule automatic answering system (ARS). The method of claim 1, wherein the settlement of the settled loan is The telecommunications provider having repaid the loan, paying the authentication system operator an amount deducting a certain fee; The authentication system operator paying the website operator an amount deducting a certain fee from the amount received from the telecommunications operator; And The web site operator micropayment service method using a mobile phone and a landline, characterized in that it comprises the step of paying the loan to the financial company.