KR20090010305A - The method and system for borrowing and lending to consume make use of points(electronic money) and program recording medium - Google Patents

Abstract

A method and a system for processing consumption debt and credit transaction by using a point or e-cash, and a recording medium therefor are provided to make cash borrowing using the point or the e-cash between a consumption borrower client and a consumption lender client, thereby increasing the availability of the point or the e-cash of which the availability was low. An information registration server(200) enables a predetermined client to register predetermined consumption debt and credit transaction condition information. A non-debt and credit transaction processing server(500) provides consumption debt and credit transaction condition information to a client including a consumption lender or a consumption borrower, performs consumption debt and credit transaction corresponding to the consumption debt and credit transaction condition information selected by the client to generate consumption debt and credit transaction, and connects to a point(or e-cash) server(575) to check, withdraw, and exchange a point of e-cash necessary for the consumption debt and credit transaction. A financial system confirms the validity of the account information of the client required for the consumption debt and credit transaction, or provides an account to the client who does not hold an account in order to produce a virtual account, or performs the account transfer. The point(or e-cash) server connects with the information registration server and the consumption debt and credit transactions server to provide point(or e-cash) information including point(or e-cash) use information and point accumulation information or receive the point(or e-cash) information.

Description

The method and system for borrowing and lending to consume make use of points (electronic money) and Program Recording Medium}

1 illustrates a configuration of a consumer loan transaction system for processing consumer loan transactions using points (or electronic money) according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a system for registering consumption loan transaction condition information for registration of transaction condition D / B of consumption loan transaction condition information, which is the basic information of a consumer loan transaction, according to an embodiment of the present invention.

3 is a table showing the configuration of each piece of information stored in the transaction conditions D / B according to the embodiment of the present invention.

4 is a diagram illustrating a process of registering consumption loan transaction condition information from a predetermined customer terminal device according to an embodiment of the present invention.

5 is a view showing a consumer loan transaction processing system for consumer loan transaction processing according to an embodiment of the present invention.

6 is a table showing the configuration of each piece of information stored in the storage medium according to an embodiment of the present invention.

FIG. 7 is a diagram illustrating a process of identifying consumption loan transaction condition information selected from a predetermined customer terminal device and sorting the consumer loan or consumer borrower of the customer who selected the consumption loan transaction condition information according to an exemplary embodiment of the present invention. .

FIG. 8 is a view illustrating a process of identifying consumption loan transaction condition information selected from a predetermined customer terminal device and processing according to the classification of the consumer loan owner or consumer borrower who selected the consumption loan transaction condition information according to another exemplary embodiment of the present invention. to be.

9 illustrates a consumption loan transaction processing server in connection with a point (or electronic money) server in accordance with an embodiment of the present invention, generates a consumption loan transaction, and transfers a point (or electronic money) required for the consumption loan transaction. A diagram illustrating a process of processing a consumer loan transaction by receiving a point (or electronic money) by requesting a server from an electronic money).

FIG. 10 illustrates a consumption loan transaction processing server in connection with a point (or electronic money) server in accordance with another exemplary embodiment of the present invention, creating a consumption loan transaction and transferring a point (or electronic money) required for the consumption loan transaction. Alternatively, a diagram illustrating a process of processing a consumer loan transaction by receiving a point (or electronic money) by requesting a server from an electronic money).

11 is a consumer loan transaction processing server in connection with a point (or electronic money) server to create a consumer loan transaction in accordance with another embodiment of the present invention, and transfers the point (or electronic money) required for the consumer loan transaction to the customer. It is a diagram illustrating a process of processing a consumer loan transaction by receiving a point (or electronic money) by requesting a terminal device.

12 illustrates a consumption loan transaction processing server in connection with a point (or electronic money) server in accordance with another embodiment of the present invention, generates a consumption loan transaction, and consumes points (or electronic money) required for the consumption loan transaction. It is a diagram illustrating a process of processing a consumer loan transaction by withdrawing directly from the loan transaction processing server.

FIG. 13 is a view illustrating a process of comparing consumption loan transaction condition information according to another exemplary embodiment of the present invention, checking consumption loan transaction condition information matching a transaction condition, and processing a consumer loan transaction according to the confirmed transaction condition. Drawing.

<Description of main parts of drawing>

100: financial system 200: information registration server

500: consumer loan transaction processing server

575 point (or electronic money) server

According to an embodiment of the present invention, an information registration step of receiving consumption loan transaction condition information for each consumer-owner customer in a predetermined information registration means and a web page for consumption loan transaction condition information for each consumer-owner customer registered in a predetermined information providing means are provided. The information providing step provided to predetermined consumer loan customers, and when the consumer loan customers select any one or more of the consumer loan transaction condition information for each consumer customer, the predetermined consumer loan transaction processing means After converting the points (or electronic money) held by the corresponding consumer customers into cash corresponding to the selected consumption loan transaction condition information according to a predetermined exchange rate, the exchanged cash is consumed corresponding to the selection information. Consumption zone which relays to be deposited into account (or virtual account) opened in the name of borrower customer A transaction processing step, an information registration step of registering consumption loan transaction condition information for each consumer-consumer customer in a predetermined information registration means, and Web-based consumption loan transaction condition information for each registered consumer customer in the predetermined information providing means. The information providing step provided to predetermined consumer borrower customers through a page, and when the consumer borrower customers select any one or more of the consumer loan transaction condition information for each consumer loan customer, the selection in the predetermined consumer loan transaction processing means. After converting the points (or electronic money) held by the lending customers corresponding to the information into cash corresponding to the selected consumption loan transaction condition information according to a predetermined exchange rate, the exchanged cash corresponding to the selected information To process the deposit to be made to the account (or virtual account) opened in the name of the consumer borrower A consumer loan transaction processing step, an information registration step of registering consumer loan transaction condition information for each consumer customer and predetermined consumer loan transaction condition information for each consumer customer in the predetermined information registration means, and predetermined information comparing means An information comparing step of comparing the consumption loan transaction condition information for each consumer loan customer with the consumption loan transaction condition information for each consumer borrower customer, and in response to the comparison result in a predetermined information processing means, After converting the points (or electronic money) held by the matching consumer loan customers into cash corresponding to the consumption loan transaction condition information according to a predetermined exchange rate, the exchanged cash is matched with the consumption loan transaction conditions. Consumption loan transaction, which relays the deposit to the account (or virtual account) opened in the name of the customer of the consumer It relates to a consumer lending processing method comprising the Li stage.

Today, service providers are looking to provide cashback points (or electronic money) to each customer who caused the purchase of the goods, in the event that the purchase of the goods occurs due to the use of the service, in order to provide benefits to the customers who use the particular service. It provides customers with various types and types of points (or electronic money), such as mileage points (or electronic money) and gift certificates, to earn and receive benefits.

However, the points (or electronic money) earned in this way are often not used by the customer, and only various types of points (or electronic money) are earned, and no further utilization is considered. After use, in most cases, the point (or electronic money) is returned to the service provider, and customers who do not realize the practicality of the point (or electronic money) do not recognize the superiority of the service provider that provides the point (or electronic money). There is a problem that can not achieve the expected sales growth by paying points (or electronic money).

An object of the present invention for solving the above problems is a point (or electronic money) account opening means for opening a point (or electronic money) account of a predetermined consumer loan customer and the consumer or at least one consumer borrower customer In a predetermined consumption loan transaction, the exchanged points (or electronic money), which are deposited in the point (or electronic money) account of the opened consumer loan customer, are converted into cash corresponding to the consumption loan transaction, and then the converted cash is exchanged. To provide a consumer loan transaction processing system using a point (or electronic money) having a consumer loan transaction processing means for relaying the deposit to the account (or virtual account) opened in the at least one consumer borrower customer name.

Consumption loan transaction processing method using a point (or electronic money) according to the present invention, the information registration step of registering the consumption loan transaction conditions information for each consumer customer by the predetermined information registration means, and in the predetermined information providing means An information providing step of providing consumption loan transaction condition information for each registered borrower customer to a predetermined consumer loan customer through a web page; and at least one of the consumer loan transaction condition information for each consumer loan customer. In the selected consumer balance transaction processing means, the points (or electronic money) held by the consumer loan customers corresponding to the selection information are converted into cash corresponding to the selected consumption balance transaction condition information according to a predetermined exchange rate. Afterwards, the exchanged cash is transferred to the customer of the borrowing customer corresponding to the selection information. Seoldoen account (or the virtual account) with characterized in that formed by the inclusion consumption lending processing step of processing relay deposit.

Consumption loan transaction processing method using a point (or electronic money) according to the present invention, the information registration step of registering the consumption loan transaction conditions information for each consumer-specific customer in the predetermined information registration means, and in the predetermined information providing means An information providing step of providing consumer loan transaction condition information for each registered consumer loan customer to a predetermined consumer loan customer through at least one of the consumer loan transaction condition information for each consumer loan customer; In the selected consumer balance transaction processing means, the points (or electronic money) held by the consumer loan customers corresponding to the selection information are converted into cash corresponding to the selected consumption balance transaction condition information according to a predetermined exchange rate. Afterwards, the exchanged cash is transferred to the customer of the borrowing customer corresponding to the selection information. Seoldoen account (or the virtual account) with characterized in that formed by the inclusion consumption lending processing step of processing relay deposit.

Consumption loan transaction processing method using a point (or electronic money) according to the present invention, the predetermined information registration means for the consumer loan transaction condition information for each consumer customer and the consumer loan transaction condition information for each consumer customer Registered information registration step, the information comparing step of comparing the consumption loan transaction condition information for each consumer customer and the consumer loan transaction condition information for a predetermined consumer loan customer in a predetermined information comparison means, and in a predetermined information processing means In response to the comparison result, the points (or electronic money) held by the consumer loan customers who match the consumer loan transaction conditions are converted into cash corresponding to the consumer loan transaction condition information according to a predetermined exchange rate, and then An account (or virtual account) opened with money exchanged in the name of the borrower's customers whose consumption balance is matched. The balance of the consumer loan transaction processing method using a point (or electronic money), characterized in that it comprises a consumption loan transaction processing step of relaying to be deposited to the left).

In the consumer loan transaction processing method using a point (or electronic money) according to the present invention, in the consumer loan transaction processing step, the consumer loan customers select any one or more of the consumer loan transaction condition information for each consumer customer. If so, characterized in that it comprises the step of receiving value (cash or points or electronic money) selection information for use in the selected consumer balance transaction from the consumer customers.

In the consumer loan transaction processing method using the point (or electronic money) according to the present invention, the consumer loan transaction processing step, the server for managing the points (or electronic money) held by the consumer loan customer through the consumer loan customer approval Receive points (or electronic money) for the consumer loan transaction from the consumer, or receive points (or electronic money) for the consumer loan transaction from the consumer customer, or points held by the consumer customer (or electronic Withdrawing a point (or electronic money) for the consumption loan transaction through a point (or electronic money) account that deposits money), and a point (or electronic money) for the consumption loan transaction at each point ( Or electronic money) corresponding to the currency exchange rate.

In the consumer loan transaction processing method according to the present invention, the consumer loan transaction condition information is characterized by including at least one or more transaction period information, transaction interest rate information, and transaction amount information for the consumption loan transaction.

On the other hand, it includes a recording medium that records a program for executing the above-described consumption balance transaction processing method.

On the other hand, the consumer loan transaction processing system according to the present invention, a point (or electronic money) account opening means for opening a point (or electronic money) account of a predetermined consumer loan customer and at least one consumer borrower with the consumer loan customer In the case of a consumption loan transaction between customers, the point (or electronic money) deposited in the point (or electronic money) account of the opened consumer loan customer is converted into cash corresponding to the consumption loan transaction, and then the exchanged money is exchanged. It comprises a consumer loan transaction processing means for relaying the cash to be deposited into an account (or a virtual account) opened in the name of the at least one consumer borrower customer.

In the consumer loan transaction processing system according to the present invention, the information checking means, when a predetermined consumer loan transaction between the consumer loan customer and at least one consumer loan customer, the holding point (or electronic money) information of the consumer loan customer Characterized in that for confirming, the consumer loan transaction processing means converts the identified points of consumption (or electronic money) of the consumer loan customer into cash corresponding to the consumer loan transaction, and then converts the converted cash into the cash. It is characterized in that the relay process to be deposited into an account (or virtual account) opened in the name of at least one consumer borrower.

In the consumer loan transaction processing system according to the present invention, the settlement processing means converts the generated profit into a predetermined point (or electronic money) when the revenue corresponding to the consumer loan transaction occurs, and then converts the converted point. (Or electronic money) is characterized in that it further comprises a settlement processing means for providing the customer for the consumer.

On the other hand, in the above-described consumer loan transaction processing system, each of the means is characterized by using a point (or electronic money) characterized in that provided in a single server or a plurality of servers.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to elements illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In addition, in describing the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 illustrates a configuration of a consumer loan transaction system for processing consumer loan transactions using points (or electronic money) according to an embodiment of the present invention.

More specifically, Fig. 1 shows a consumer loan in which a predetermined customer registers consumption loan transaction condition information in a predetermined information registration server 200 (or information registration means) and has predetermined information providing means via a communication network. When the consumer loan customer or the consumer borrower customer who has checked the registered consumer loan transaction condition information through a predetermined terminal device that can access the transaction processing server 500 selects the consumer loan transaction condition information, the consumer loan transaction Points (or electronic money) held by consumer loan customers corresponding to the consumer loan transaction condition information selected by the processing server 500 (or consumer loan transaction processing means) are added to the selected consumer loan transaction condition information according to a predetermined exchange rate. After converting the cash into the corresponding cash, an account opened in the name of the consumer of the borrowing customer corresponding to the selection information, As a consumer loan transaction system that relays to be deposited into a virtual account), those skilled in the art to which the present invention pertains refer to the consumer loan transaction system configuration shown in FIG. (Or electronic money) will be able to infer various implementation methods for the configuration of the consumer loan transaction system for processing consumer loan transactions, the present invention is characterized in that it comprises all the implementation methods inferred above. It is not limited to the configuration of the consumer loan transaction system shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, the consumer loan transaction system includes an information registration server 200 in which a given customer can register predetermined consumer loan transaction condition information, and the consumer loan transaction condition. Provide information to the customer including the consumer loan or the consumer borrower, generate the consumer loan transaction and the consumer loan transaction information corresponding to the consumer loan transaction condition information selected by the customer, and generate the points (or electronics) necessary for the consumer loan transaction. Currency) in conjunction with the point (or electronic money) server 575 to check, withdraw, and exchange the consumer loan transaction processing server 500 and the validity of the customer account information required for the consumer loan transaction processing A financial institution that verifies, or provides a parent account to create a virtual account for a customer who does not have an account, or handles a bank transfer. System, the information registration server 200 and the point (or electronic money) including points (or electronic money) usage information and points (or electronic money) earning information in association with the consumption balance transaction processing server 500 Information) or at least one point (or electronic money) server 575 that receives the point (or electronic money) information.

The information registration server, a predetermined customer through the predetermined information registration interface to the consumer loan transaction condition information registration system to register the transaction condition D / B of the consumer loan transaction condition information that is the basic information of the consumer loan transaction When the transaction condition information including at least one of virtual account information, point (or electronic money) account information, and consumption loan transaction condition information is provided, the transaction condition information registration system includes the provided transaction condition information. Generate a predetermined electronic contract and store it in a predetermined electronic document repository, and store the customer information, virtual account information, point (or electronic money) account information, and consumption balance transaction condition information included in the transaction condition information. Characterized in that the cooperative processing to store in a predetermined D / B, consumption loan transaction condition information, including the information registration server Preferred method for the system will be described in detail and shown in the Figure 2.

The consumption loan transaction processing server 500, a predetermined customer (reference, the predetermined customer includes a consumer borrower or a consumer loan) the terminal device selects any one or more of consumer loan transaction condition information for each customer When transmitting to the balance transaction processing server, the consumption balance transaction processing server confirms the selection information, opens a consumption balance transaction for each customer corresponding to the selection information, generates and stores consumption balance transaction information for each customer, and After converting the points (or electronic money) held by the consumer-owner customers corresponding to the selection information according to a predetermined exchange rate, the account opened in the name of the consumer-customer customer corresponding to the selection information, or Virtual account) to be transferred to the consumer, characterized in that the balance of the consumer loan transaction processing system including the consumer loan transaction processing server 500 Exemplary methods are described in detail and shown in the Figure 5

The point (or electronic money) server 575 may be used to create a point (or electronic money) account through the user interface at the information registration server in association with the information registration server and the consumer loan transaction processing server 500. Or the last (or most recent) stored point (or electronic money) by receiving the point (or electronic money) usage information and the point (or electronic money) earning information transmitted from the consumption balance transaction processing server 500. It is characterized in that it is possible to update and store usage information or the point (or electronic money) earning information, or to transfer or withdraw points (or electronic money) in connection with the consumption balance transaction processing server 500.

The financial system stores and operates ledger information corresponding to an account (or virtual account of a virtual account), and performs a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or counter). To an accounting system for processing, an information system for processing headquarters operations, branch office information support and customer information management, and an interconnection between the financial system and at least one other financial system (or payment system), or at least one external communication network. Access to the financial system from at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.), or at least one common network (e.g. Network, financial common network) In addition, the financial system is characterized in that the interface module corresponding to the middleware platform (Middleware) platform that provides the inter-component interfacing between the components in the financial system, and the predetermined required to perform each function in the components in the financial system Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one or more databases for storing and managing the information (for example, ledger information, customer information, or management information, etc.).

FIG. 2 is a diagram illustrating a system for registering consumption balance transaction condition information for registering transaction condition D / B of consumption balance transaction condition information, which is the basic information of a consumption balance transaction, according to an embodiment of the present invention.

In more detail, Figure 2 shows that a predetermined customer registers the transaction condition D / B 255 of the consumption balance transaction condition information, which is the basic information of the consumption balance transaction, through the predetermined information registration interface. If the transaction information including at least one of customer information, virtual account information, point (or electronic money) account information, and at least one consumer loan transaction condition information is provided, the transaction provided at the consumer loan transaction condition information registration system is provided. Generate a predetermined electronic contract including condition information and store it in a predetermined electronic document repository, and the customer information, virtual account information, point (or electronic money) account information included in the transaction condition information, and loan for consumption. A system configuration for linking and processing transaction condition information in a predetermined D / B. Specifically, the electronic document repository has a predetermined configuration. The present invention relates to an implementation method provided on an external system associated with the consumer loan transaction condition information registration system through a communication means.

Those skilled in the art to which the present invention belongs, consumer loan transaction for the registration of the trading condition D / B (255) of the consumption balance transaction condition information, which is the basic information of the consumption loan transaction by referring to or modifying this figure 2 Various implementation methods for the condition information registration system configuration may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 2 to infer an implementation method provided in the DBMS in which the electronic document repository is located in the consumer loan transaction condition information registration system. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

In addition, according to the implementation method shown in FIG. 2, the electronic contract is described as being generated on the server side on the consumer loan transaction condition information registration system, but the present invention is not limited thereto. The contract may be generated on the terminal side that inputs (or selects) the transaction condition information (for example, the electronic document generation function provided on the server side is provided on the terminal side to generate the electronic contract). The present invention is not limited by this.

Hereinafter, receiving the transaction condition information from the customer through a predetermined information registration interface on the consumer loan transaction condition information registration system shown in FIG. 2, generate a predetermined electronic contract and store it in a predetermined electronic document repository. A component corresponding to at least one or more means or functional configurations for storing transaction condition information in a predetermined D / B is referred to as " information registration server " for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, the consumer loan transaction condition information registration system for registering the transaction condition D / B 255 of the consumer loan transaction condition information, which is the basic information of the consumer loan transaction, And at least one terminal device including at least one client terminal including at least one wired terminal or at least one wireless terminal to be used, wherein the terminal apparatus registers the consumption balance transaction condition information through a predetermined network means. The communication channel is connected to the information registration server provided on the system.

According to an embodiment of the present invention, the customer accesses the information registration server through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, When the transaction condition information for registering the transaction condition D / B 255 of the consumption balance transaction condition information, which is the basic information of the consumption loan transaction, is provided (or selected) through at least one user interface provided, It is preferable to transmit to the information registration server provided on the consumer loan transaction condition information registration system through the network means.

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

The transaction condition D / B 255 provided on the consumer loan transaction condition information registration system according to the present invention includes the customer information included in the transaction condition information provided from the terminal device, virtual account information, and points ( Or electronic money) account information and consumption transaction transaction condition information to be stored in the transaction condition D / B.

The customer information may include at least one or more of personal information of the customer (for example, the customer's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer.

The virtual account information, when a consumer loan transaction occurs, if the consumer account required to transfer the amount of the consumer loan to be provided to the consumer by the consumer loan transaction processing server shown in Figure 5, there is no bank or It is characterized in that it is generated using the account of the manager of the consumer loan transaction condition information registration system as a mother account.

For reference, although not shown in FIG. 2, according to another exemplary embodiment of the present invention, when the customer who registers the consumer loan transaction condition information or the customer who registers the customer information has a real account, the consumer loan transaction processing is performed. The server 500 may store real account information, not the virtual account information, in the storage medium.

The point (or electronic money) account information is a point (or electronic money) server 575 for the purpose of using the consumer's point (or electronic money) when the consumer loan transaction processing server shown in FIG. ) Or to request a point (or electronic money) transfer to the point (or electronic money) server 575, wherein the point (or electronic money) account information is used by a customer who has registered consumption loan transaction condition information. The point (or electronic money) of the account number, characterized in that it is configured to include a password.

The consumer loan transaction condition information is transmitted from a terminal device connected to the consumer loan transaction condition information registration server for a consumer loan transaction, and includes at least one transaction period information, transaction interest rate information, and transaction amount information. It is characterized by.

According to the exemplary embodiment of the present invention, the transaction condition D / B 255 is provided on the consumer loan transaction condition information registration system or the consumer loan transaction condition registration system for the purpose of sharing with the consumer loan transaction processing system. It can also be provided externally.

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

According to an embodiment of the present invention, the information registration server is characterized in that it comprises an interface unit 205 for connecting and managing a predetermined communication channel with the terminal device through the network means.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface unit 205 is defined in the wired communication network or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on the established protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is preferable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 205 connects a communication channel with the client terminal based on the TCP / IP protocol. Using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server, the interface unit 205 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 205 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 205 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip based banking program) provided by the information registration server, the interface unit 205 establishes a communication channel with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 205 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the voice call and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 205 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 2, when the predetermined terminal device connects a predetermined communication channel with the information registration server through the interface unit 205, the consumption balance transaction condition which is the basic information of the consumption balance transaction. Generating (or extracting) at least one user interface for inputting (or selecting) predetermined transaction condition information from the terminal device to register the transaction condition D / B 255 of the information and transmitting the transaction condition information to the information registration server; An interface providing unit 210 which provides the generated (or extracted) user interface to the terminal device in association with the interface unit 205, and inputs the transaction condition information through the user interface in the terminal device (or Information) for receiving the transaction condition information transmitted from the terminal device in connection with the interface unit 205. It is characterized by comprising a portion 215.

The interface provider 210 connects a predetermined communication channel with the information registration server through the interface unit 205, and then consumes a transaction, which is the basic information of the consumption loan transaction, to the information registration server. When requesting a user interface for registering transaction condition D / B 255 of condition information, the terminal apparatus inputs (or selects) predetermined transaction condition information and transmits the predetermined transaction condition information to the information registration server through the network means. Generating one or more user interfaces, or extracting from a predetermined database (not shown), and providing the generated (or extracted) user interface to the terminal apparatus via the network means in conjunction with the interface unit 205. It features.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 210 may be configured as a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined predetermined user interface and provide the generated (or extracted) user interface to the client terminal through the interface unit 205.

According to another embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 210 is a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 205.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 210 may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 205. Do.

According to another embodiment of the present invention, a predetermined information registration program having at least one user interface for inputting (or selecting) predetermined transaction condition information to the terminal device and transmitting the predetermined transaction condition information to the information registration server through the network means. Is provided, the interface providing unit 210 for generating (or extracting) a user interface for inputting (or selecting) predetermined transaction condition information and transmitting it to the information registration server as described above and providing it to the terminal device is provided. Although it may be omitted, the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) transaction condition information including at least one of the customer information, virtual account information, point (or electronic money) account information, and consumption loan transaction condition information through the user interface. And transmits the input (or selected) transaction condition information to the information registration server through the network means, and correspondingly, the information receiving unit 215 is connected to the interface unit 205 from the terminal device. And receiving the transaction condition information transmitted.

Referring to FIG. 2, the information registration server may include the account information (or virtual account information), the point (or electronic money) account information transmitted from the terminal device through the information receiving unit 215, and the transaction condition. When the information is received, the transaction condition D / of the transaction condition information of the consumption balance transaction information, wherein the received account information (or virtual account information), point (or electronic money) account information, and transaction condition information are the basic information of the consumption loan transaction. It is characterized in that it comprises a validity confirmation unit 220 for confirming whether the validity for the B (255) registration.

According to an embodiment of the present invention, the validity of the account information or the virtual account information corresponding to the customer information may be determined in the ledger D / B on the financial system linked to the consumer loan transaction condition information registration system. It is preferable to include checking whether at least one ledger information matching the mother account information of the information is registered.

In addition, according to an embodiment of the present invention, the validity of the point (or electronic money) account information corresponding to the customer information is point (or electronic money) server 575 associated with the consumer loan transaction condition information registration system And checking whether at least one point (or electronic money) related information matching the point (or electronic money) account information is registered in the point (or electronic money) D / B on the image.

In addition, according to an embodiment of the present invention, the validity of the transaction condition information is at least one ledger information matching the transaction condition information in the ledger D / B on the financial system associated with the consumer loan transaction condition information registration system It is preferable to include checking whether is registered.

For example, the validity confirmation unit 220 of the information contained in the transaction condition information, the customer information (customer information, personal information, etc.) is ledger on the financial system associated with the consumer loan transaction condition information registration system D It is desirable to include verifying that it matches the customer ledger stored in / B.

Referring to FIG. 2, when the validity of the transaction condition information is authenticated through the validity confirming unit 220, the information registration server generates an electronic document that generates a predetermined electronic contract including the received transaction condition information. And an electronic document transmission unit 230 for transmitting the generated electronic contract to the electronic document repository associated with the consumption balance transaction condition information registration system.

The electronic document generator 225 generates an electronic contract including the transaction condition information received from the terminal device through the information receiver 215.

According to an exemplary embodiment of the present invention, the electronic document generator 225 may include customer information, virtual account information, and a point (or electronic money) account included in the transaction condition information received through the information receiver 215. Generating document content including information and at least one consumption loan transaction condition information, and including a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP) including the document content. (E.g., a word processor file including at least one or more DOC, or a web document file including an MHT), etc.) It is desirable to deal with the contract.

Alternatively, the electronic document generator 225 may include customer information included in the transaction condition information received through the information receiver 215, virtual account information, point (or electronic money) account information, and consumption loan transaction condition. Generate document content including at least one piece of information, wherein the document content includes at least one of customer information included in the transaction condition information, virtual account information, point (or electronic money) account information, and consumer loan transaction condition information; After including one or more pieces of information in a watermarking manner, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing document content including the watermarking. A word processor file including at least one DOC, or a web document file including an MHT), and the like. It is preferable to treat the transaction as an electronic contract for registration of D / B 255.

Alternatively, the electronic document generator 225 may include customer information included in the transaction condition information received through the information receiver 215, virtual account information, point (or electronic money) account information, and consumption loan transaction condition. Creating an image content including at least one information, and the image file including the image content (e.g., image content generated by capturing the document content on the memory) of the document content is captured. It is preferable to process the electronic contract for registration of the transaction condition D / B 255 of the consumption balance transaction condition information, which is the basic information of the transaction.

Alternatively, the electronic document generator 225 may include customer information included in the transaction condition information received through the information receiver 215, virtual account information, point (or electronic money) account information, and consumption loan transaction condition. Customer information included in the transaction condition information in the document content including at least one piece of information and generating image content (e.g., image content generated by capturing the document content on a memory); An image including image content including the watermarking after including at least one of virtual account information, point (or electronic money) account information, and consumer loan transaction condition information by a watermarking method. The file is processed as an electronic contract for registration of transaction condition D / B 255 of consumption balance transaction condition information, which is the basic information of the consumption balance transaction. Preferable.

According to another exemplary embodiment of the present invention, the electronic document generator 225 may include customer information, virtual account information, and points (or electronic money) included in the transaction condition information received through the information receiver 215. Generate document content including account information and at least one consumption transaction transaction condition information, and include image content (eg, image content generated by capturing the document content on a memory). A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a, it is preferable to process as an electronic contract for registration of the trading condition D / B (255) of the consumption balance transaction condition information, which is the basic information of the consumption balance transaction. All.

Alternatively, the electronic document generator 225 may include customer information included in the transaction condition information received through the information receiver 215, virtual account information, point (or electronic money) account information, and consumption loan transaction condition. Customer information included in the transaction condition information in the document content including at least one piece of information and generating image content (e.g., image content generated by capturing the document content on a memory); And generating image contents including at least one or more of virtual account information, point (or electronic money) account information, and consumption and transaction transaction information using a watermarking method, and the image including the watermarking. At least one document file including contents (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) is included. By generating a word processor file or a web document file including MHT), and processing the electronic contract for registration of the transaction condition D / B 255 of the consumption balance transaction condition information, which is the basic information of the consumption balance transaction. It is desirable to.

According to another exemplary embodiment of the present invention, the electronic document generator 225 may include customer information, virtual account information, and points (or electronics) included in the transaction condition information received through the information receiver 215. Currency) image content including at least one account information and at least one consumption transaction condition information, and image content (eg, image content generated by capturing the document content on a memory); And a word processor file including at least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the transaction condition information, or an MHT. By generating a web document file, etc.), the electronic contract for registration of the transaction condition D / B (255) of the consumption balance transaction condition information, which is the basic information of the consumption loan transaction It is preferable to process.

Alternatively, the electronic document generator 225 may include customer information included in the transaction condition information received through the information receiver 215, virtual account information, point (or electronic money) account information, and consumption loan transaction condition. Customer information included in the transaction condition information in the document content including at least one piece of information and generating image content (e.g., image content generated by capturing the document content on a memory); And generating image contents including at least one or more of virtual account information, point (or electronic money) account information, and consumption and transaction transaction information using a watermarking method, and the image including the watermarking. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing content and the transaction condition information, or By generating a word processor file including at least one of HWP / DOC, a web document file including MHT, etc.), and the transaction condition D / B 255 of the consumption balance transaction condition information, which is the basic information of the consumption balance transaction. It is preferable to treat it as an electronic contract for registration.

Those skilled in the art to which the present invention pertains include technical features that the electronic document generator 225 generates an electronic contract in the form of an image file or a predetermined document file, and an image corresponding to the electronic contract. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

The electronic document transmitter 230 transmits and stores the electronic contract generated by the electronic document generator 225 to a predetermined electronic document repository associated with the consumer loan transaction condition information registration system. .

As shown in FIG. 2, the electronic document repository is connected with an information registration server on the consumer loan transaction condition information registration system through a predetermined communication means and an electronic document D / B 280. When provided externally, the electronic document transmitter 230 transmits the electronic contract generated by the electronic document generator 225 to the electronic document server 260 through the communication means. It is characterized by.

Here, when the electronic document server 260 and the electronic document D / B 280 is provided outside the consumption balance transaction condition information registration system, the electronic document server 260 and the electronic document D / B ( 280 is preferably managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the consumption balance transaction condition information registration system, the electronic document transmitting unit 230 is configured by the electronic document generating unit 225. It is possible to store the generated electronic contract in the electronic document D / B 280 corresponding to the electronic document storage on the DBMS provided in the consumer loan transaction condition information registration system, whereby the present invention is not limited.

According to the embodiment of the present invention, the electronic document transmission unit 230 inputs (selects) the electronic document related information (eg, the transaction condition information) for generating predetermined electronic document management information in the electronic document server 260. E) the customer information, the financial institution information transmitting the electronic contract, the electronic document file format information, or the transaction condition information, etc.) can be transmitted to the electronic document repository. The invention is not limited.

Referring to FIG. 2, the information registration server determines the transaction condition information of the consumption balance transaction condition information, wherein the transaction condition information received through the information receiving unit 215 is the basic information of the consumption balance transaction through the validity verification unit 220. If the validity for the D / B 255 registration is authenticated, the customer information, virtual account information, point (or electronic money) account information, consumption loan transaction condition information included in the transaction condition information for which the validity is authenticated It characterized in that it comprises an information storage unit 250 for storing the stored information in a predetermined storage medium in a cooperative process.

When the validity of the transaction condition information is confirmed by the validity confirming unit 220, the information storage unit 250 includes customer information, virtual account information, and points (or electronic money) included in the transaction condition information. And storing the information on the storage medium by linking the account information and the consumption balance transaction condition information. When the storage medium is provided in the information registration server or on the network associated with the information registration server, The information storage unit 250 processes the customer information included in the received transaction condition information, the virtual account information, the point (or electronic money) account information, and the consumption loan transaction condition information in the storage medium. Preferably, when the storage medium is provided in the DBMS provided on the financial system, the information storage unit 250 and the customer information included in the received transaction condition information, It is preferable to provide virtual account information, point (or electronic money) account information, and consumption loan transaction condition information to the information system through an external system on the financial system and store the information in a DBMS provided on the financial system.

According to the exemplary embodiment of the present invention, when the transaction condition information received through the information receiving unit 215 does not exist in the account information or the point (or electronic money) account information, the validity confirming unit 220 Through the consumer loan transaction condition information, which is the basic information of the consumer loan transaction, the validity for registering the customer D / B is not recognized, and the information registration server corresponds to the account information through the virtual account generation unit 240. Creating a virtual account of a non-existent customer or creating a point (or electronic money) account of a customer for which a point (or electronic money) account does not exist through the point (or electronic money) account generator 245. It features.

The virtual account generator 240 is connected to a financial system, characterized in that for generating a virtual account of the customer does not exist account information.

In more detail, the virtual account generator 240 checks the transaction condition information by the validity confirmation unit 220, and confirms that the account information does not exist, the virtual account generator 240 is linked with the financial system. By using the customer information corresponding to the consumer loan transaction condition information, characterized in that for generating a virtual account using a bank account or a manager account of the consumer loan transaction condition information registration system as a parent account.

The point (or electronic money) account generator 245 generates a virtual account of a customer in which point (or electronic money) account information does not exist in connection with the point (or electronic money) server 575. It is done.

In more detail, the point (or electronic money) generation unit checks the transaction condition information by the validity confirmation unit 220, when it is confirmed that the point (or electronic money) account information does not exist, the point (or electronic money) The account generation unit 245 generates point (or electronic money) account information based on the input information of the customer corresponding to the consumption loan transaction condition information in connection with the point (or electronic money) server 575. It is done.

Referring to FIG. 2, an electronic document server 260 that receives a predetermined electronic contract from the information registration server provided on the consumer loan transaction condition information registration system and stores and manages the predetermined electronic document D / B 280 in the predetermined electronic document D / B 280. ) Is an electronic document receiving unit 265 for receiving a predetermined electronic contract from the information registration server through a predetermined communication means, and for storing and managing the received electronic contract in the electronic document D / B 280. An information generation unit 270 for generating predetermined electronic document management information, and an electronic document storage unit 275 for storing the electronic document management information and the electronic contract in a predetermined electronic document D / B 280 and storing the same; It characterized by comprising a.

The electronic document receiving unit 265 may receive an electronic contract in the form of an image file or a document file from the information registration server through the communication means.

The information generating unit 270 is a predetermined electronic document unique number (or unique information) to be assigned to the electronic contract received through the electronic document receiving unit 265, and the electronic contract through the electronic document receiving unit 265 And generating electronic document management information including electronic document storage date and time information including a received date and time (or a date and time at which the electronic contract was stored).

The electronic document storage unit 275 associates an electronic contract received through the electronic document receiving unit 265 with electronic document management information generated by the information generating unit 270 to process a predetermined electronic document D / B ( 280 to the storage.

According to an embodiment of the present invention, the electronic contract stored in the electronic document D / B 280 by the electronic document storage unit 275 is included in the transaction condition information received by the information registration server from the terminal device. A document file (e.g., a Portable Document Format (PDF) file or EDI (e.g., a Portable Document Format) file containing document information including at least one piece of information, virtual account information, point (or electronic money) account information, and consumption and loan transaction condition information); Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 280 by the electronic document storage unit 275 in association with the electronic contract is allocated to the electronic contract. Preferably, a predetermined electronic document unique number (or unique information) and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 280 by the electronic document storage unit 275 in association with the electronic contract is the transmission of the electronic contract. It is preferable to further include information on the financial institution that has transmitted the electronic contract confirmed with reference to the information registration server.

3 is a table showing the configuration of each piece of information stored in the transaction conditions D / B according to the embodiment of the present invention.

In more detail, Figure 3 shows a table structure constituting each of customer information stored in the transaction conditions D / B, virtual account information, point (or electronic money) account information, and consumption loan transaction condition information. The customer information table preferably includes an ID, a password, a name, an address, a social security number, a landline telephone number, a wireless telephone number, and an e-mail of a customer who registers consumption loan transaction condition information.

The virtual account information table preferably exists in correspondence with customer information for which no account information exists, and the ID, password, name, address, resident registration number, and virtual account of the customer who registers consumption loan transaction condition information. It is preferable to consist of a number and a mother account number.

For reference, although not shown in FIG. 3, according to another exemplary embodiment of the present invention, when the customer who registers the consumer loan transaction condition information or the customer who registers the customer information has a real account, the consumer loan transaction processing is performed. The server 500 may configure a real account information table other than the virtual account information table and store the same in the storage medium.

The point (or electronic money) account information table preferably exists in correspondence with customer information for which point (or electronic money) account information does not exist, the ID, name and name of the customer registering the loan condition information; It is preferably composed of an address, an account number, an account password, and an available point (or electronic money).

For example, the information update of the point (or electronic money) account information table is performed by the consumption balance transaction processing server 500 of FIG. 5 to be shown below in connection with the point (or electronic money) server 575. It is done.

The consumer loan transaction condition information table is composed of information registered from a terminal device of a customer who wants a consumer loan transaction. The subscriber ID, classification, transaction amount, interest rate, transaction period, credit condition, borrower debt condition, property condition In other words, it is desirable to be able to participate in trading.

Those skilled in the art to which the present invention pertains may refer to or modify this drawing 3 to infer various implementation methods for the configuration of each information stored in the transaction condition D / B 255, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

4 is a diagram illustrating a process of registering consumption loan transaction condition information from a predetermined customer terminal device according to an embodiment of the present invention.

More specifically, FIG. 4 shows that when the terminal device shown in FIG. 2 requests access to the information registration server for registration of consumption balance transaction information to the information registration server, the information registration server transmits the information to the information registration server. After verifying the validity by confirming the customer ID and password, and the method for receiving the consumption balance transaction condition information of the terminal device to register in the transaction condition D / B (255), which is common in the art Those skilled in the art will be able to infer various implementation methods for registering the consumption balance transaction condition information from the terminal device to the information registration server by referring to or modifying the present invention. It includes a method and is not limited to the embodiment shown in FIG.

Referring to FIG. 4, when the terminal device shown in FIG. 2 requests access to an information registration server for registration of consumption loan transaction condition information (400), the information registration server confirms the connection request of the terminal device. In operation 405, the terminal apparatus provides an interface for accessing the information registration server.

Thereafter, the terminal apparatus checks the server connection interface provided from the information registration server (410), and enters the customer ID and password through the server connection interface (415), the customer ID and password in the information registration server Received, and checks the validity of the customer ID and the password (420).

If it is not possible to confirm the validity of the customer ID and the password (425), the information registration server generates an error message and transmits the error message to the terminal device (430), consumer loan transaction condition information This concludes the process of registering the.

On the other hand, when checking the validity of the customer ID and the password (425), the information registration server provides the consumer loan transaction condition information registration interface to the terminal device (435), the terminal device is the information registration server The consumer loan transaction condition information registration interface provided by the user is checked (440).

Thereafter, the terminal apparatus inputs consumption balance transaction condition information through the consumption balance transaction condition information registration interface (445), and receives and confirms the consumption balance transaction condition information at the information registration server (450). The information registration server checks whether the account information and the point (or electronic money) account information corresponding to the customer ID included in the consumption loan transaction condition information exist (455).

If the account information does not exist (460), the information registration server generates a virtual account corresponding to the customer ID (470), the account information corresponding to the customer ID included in the consumer loan transaction condition information and The existence of the account information is repeated (455).

On the other hand, if the account information exists (460), the information registration server checks the existence of the point (or electronic money) account information corresponding to the customer ID, it is confirmed that the point (or electronic money) account does not exist If (470), the information registration server provides a customer information input interface for generating point (or electronic money) account information to the terminal device (475), the terminal device received and confirmed from the information registration server The customer information is input through the customer information interface (480), and the information registration server confirms the existence of the account information and the point (or electronic money) account information corresponding to the customer ID included in the consumption loan transaction condition information. (455)

On the other hand, when the point (or electronic money) account exists (470), the transaction information D in connection with the customer information, account information, and point (or electronic money) account information in the loan information transaction conditions in the information registration server Storing in / B terminates the process of registering consumer loan transaction condition information.

5 is a diagram showing a consumer loan transaction processing system for consumer loan transaction processing according to an embodiment of the present invention.

In more detail, Figure 5 shows a predetermined customer (for reference, the predetermined customer includes a consumer or consumer loan) terminal device selects any one or more of the consumer loan transaction conditions information for each consumer loan transaction processing server The consumer's loan transaction processing server confirms the selection information, establishes the customer's consumption loan transaction corresponding to the selection information, generates and stores the customer's consumption loan transaction information, and responds to the selection information. After converting the points (or electronic money) held by the consuming customers according to a predetermined exchange rate, the exchanged cash is transferred to an account (or virtual account) opened in the name of the consuming customer corresponding to the selection information. It is about system configuration to relay process to deposit.

Those skilled in the art to which the present invention pertains may refer to or modify this drawing 5 to infer various implementation methods for the configuration of a consumer loan transaction processing system for a consumer loan transaction. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

The point (or electronic money) currency exchange D / B provided on the consumption balance transaction processing system according to the present invention corresponds to at least one or more point (or electronic money) manager information and the point (or electronic money) manager information. It is characterized by storing the exchange rate information.

In addition, according to an embodiment of the present invention, the point (or electronic money) currency exchange D / B is provided on the consumer loan transaction processing server 500, or the consumption for the purpose of sharing with the consumer loan transaction processing system It is also possible to provide outside the balance transaction processing server 500.

The storage medium 570 provided on the consumer balance transaction processing system according to the present invention includes the customer information, virtual account information (or account information), and point account information included in transaction related information provided from the terminal device. And, the balance of consumption transaction information, the point (or electronic money) usage information, and the point (or electronic money) earned information is stored in a predetermined storage medium 570 by processing.

Preferably, the customer information includes the customer's personal information (eg, the customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.), and at least one member's member information.

The virtual account information is a bank or consumer loan when there is no real account of a consumer borrower necessary to transfer the amount of the consumer loan that the consumer loan transaction processing server 500 will provide to the consumer borrower when a consumer loan transaction occurs. Characterized by using the account of the manager of the transaction condition information registration system as a parent account.

For reference, although not shown in FIG. 5, according to another exemplary embodiment of the present invention, when the customer who registers the consumer loan transaction condition information or the customer who registers the customer information has a real account, the consumer loan transaction processing is performed. The server 500 may store real account information, not the virtual account information, in the storage medium.

The point (or electronic money) account information is a point (or electronic money) server 575 for the purpose of using the consumption point (or electronic money) by the consumption loan transaction processing server shown in FIG. ) Or to request a point (or electronic money) transfer to the point (or electronic money) server 575, the point (or electronic money) account information of the customer who registered the consumption transaction conditions information Point (or electronic money) characterized in that it is configured to include an account number, password and the like.

The consumer loan transaction information is information generated based on consumption loan transaction condition information selected by a predetermined customer (for example, the customer may include both the consumer loan or the consumer borrower), and the consumer loan transaction information is the customer. Along with the information, it is stored in the storage medium 570 together with the point (or electronic money) usage information and the point (or electronic money) earning information.

For example, the consumer loan transaction information may include transaction information (ie, a trade registrant ID, a transaction number, a transaction amount, a transaction rate, a transaction period participant ID) for at least two customers including the consumer and the consumer who participated in the consumer loan transaction. Etc.), the basic information of the process of processing the consumer's point (or electronic money) necessary for the transaction in connection with the point (or electronic money) usage information and the point (or electronic money) earning information Characterized in that used as.

The point (or electronic money) usage information is a record of the details of the use of the point (or electronic money) used by the consumer for a predetermined consumption loan transaction, and the consumption loan together with the point (or electronic money) account number. It is characterized in that it comprises a point (or electronic money) information used in the consumer loan transaction in conjunction with the transaction information.

The point (or electronic money) earned information is converted into a point (or electronic money) through the point (or electronic money) currency exchange processing unit 540 when a predetermined profit occurs through a predetermined consumption loan transaction. It is characterized in that it comprises a point (or electronic money) information to be credited to the point (or electronic money) account of the consumer loan customer participating in the consumer loan transaction.

The consumer loan transaction processing server 500 provided on the consumer loan transaction processing system according to the present invention is a generic term for the component of the consumer loan transaction processing system side connected to the terminal device through a predetermined network means. It may be implemented by including the above server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the consumer loan transaction processing server 500 is characterized in that it comprises an interface unit 505 for connecting and managing a predetermined communication channel with the terminal device through the network means.

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

In addition, the consumption balance transaction processing server 500 processes the consumption balance transaction when a predetermined terminal device connects a predetermined communication channel with the consumption balance transaction processing server 500 through the interface unit 505. In order to input (or select) predetermined transaction-related information (for example, consumption point (or electronic money) information, specific consumption loan transaction condition information, etc. selected in the terminal device) in the terminal device, the consumption loan transaction processing server Interface providing unit 510 for generating (or extracting) at least one user interface to transmit to the 500, and providing the generated (or extracted) user interface to the terminal device in association with the interface unit 505. And inputting (or selecting) the transaction related information through the user interface through the user interface, the interface unit 5. An information receiving unit 515 for receiving the transaction related information transmitted from the terminal device in association with 05), and the consumer loan transaction processing server 500 for the terminal device to access the consumer loan transaction processing server 500; The user's point (or electronic) corresponding to the ID information connected to the server in association with the user authentication unit 520 and the point (or electronic money) server 575 for processing authentication for the ID information transmitted to Monetary) information, or information confirmation unit 525 for verifying exchange rate information corresponding to point (or electronic money) manager information, and consumer loan transaction conditions registered by a customer whose registrant classification is a consumer or consumer. In comparison, the transaction condition comparison processing unit 535 for confirming the consumer loan customer information and the consumer borrower customer information that matches the same conditions, and the customer terminal device for each customer loan balance. Generating a loan balance transaction information corresponding to any one or more of the transaction balance information selected from the condition information, or generating a transaction by checking the consumer loan customer information and the consumer borrower customer information confirmed by the transaction condition comparison processing unit 535 In response to the transaction generation unit 530 and the consumer loan transaction information, the consumer loan point (or electronic money) confirmed by the information confirmation unit 525 is exchanged for cash, or the transaction condition comparison processing unit 535 The amount of money corresponding to the amount of money information exchanged by the point (or electronic money) currency exchange processing unit 540 and the point (or electronic money) currency exchange processing unit 540 for converting the checked points (or electronic money) into cash. Fund transfer unit 545, which transfers to the borrower's account, collects points (or e-money) usage information and points (or e-money) earned information for each consumer's transaction. Point (or electronic money) settlement processing unit 550 for generating the information (in electronic money) and points (or electronic money) earning information, point (or electronic money) usage information and points (or electronic money) earning information To the point (or electronic money) server 575 and the terminal (or electronic money) information transmission unit 555, the consumption loan transaction information generated by the transaction generation unit 530, and the point ( Or electronic money) point (or electronic money) usage information and point (or electronic money) earning information generated by the settlement processing unit 550, and account information (or virtual account information) confirmed from the transaction condition D / B 255. And an information storage unit 565 for storing the point (or electronic money) account information in the storage medium 570 in association with the customer information.

The interface provider 510 connects a predetermined communication channel with the consumer loan transaction processing server through the interface unit 505 and then processes the consumer loan transaction with the consumer loan transaction processing server. When the user interface request is made, at least one user interface for generating (or selecting) the transaction related information from the terminal device and transmitting the transaction related information to the information registration server through the network means, or a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 505 to the terminal device through the network means.

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

The information receiving unit 515 uses the point (or electronic money) information of the consumer, the exchange rate information, the customer information, the consumption loan transaction information, and the point (or electronic money) in connection with the interface unit 505. And receiving the transaction-related information including at least one or more points and / or points (or electronic money) earning information.

The user authentication unit 520 is characterized in that for processing the authentication of the ID information transmitted to the consumer loan transaction processing server 500 by the terminal device to access the consumer loan transaction processing server 500.

In more detail, the user authentication unit 520 checks the ID information sent by the terminal device to the consumer loan transaction processing server 500 to access the consumer loan transaction processing server 500, Determining whether or not the authentication for the customer terminal for transmitting the ID information characterized in that the determination of whether to allow the consumer loan transaction processing server 500 access.

In addition, according to the embodiment of the present invention, the user authentication unit 520 requests and confirms the approval of the customer, for the customer information of the customer including the consumer loan and the consumer borrower to process the consumer loan transaction, The consumption balance transaction processing server 500 by linking the point (or electronic money) information or the account information (or virtual account information) corresponding to the customer information with the financial system or the point (or electronic money) server 575. Authorization may be granted to request information by requesting or receiving specific information.

The information checking unit 525 checks the point (or electronic money) information of the customer corresponding to the ID information connected to the server in connection with the point (or electronic money) server 575 or points (or electronic money). It is characterized by checking the exchange rate information corresponding to the manager information.

In more detail, the information checking unit 525 is connected with the point (or electronic money) server 575 to obtain the point (or electronic money) information of the customer corresponding to the ID information connected to the server. Electronic money) can be directly connected to the server 575 to confirm, or can check the point (or electronic money) information provided from the point (or electronic money) server 575, or point (or electronic money) manager information It is characterized in that the exchange rate information corresponding to the check.

For example, the point (or electronic money) information confirmed by the information confirming unit 525 is used as basic information for processing a transaction between the consumer and the borrower who participated in the consumer loan transaction in the course of the consumer loan transaction process. The exchange rate information confirmed by the information checking unit 525 is used as basic information necessary to exchange the points (or electronic money) corresponding to the amount to be paid to the consumer borrower participating in the consumer loan transaction. It is characterized by.

According to another exemplary embodiment of the present invention, the information checking unit 525 directly connects to the point (or electronic money) server 575 in the processing of the consumption loan transaction from the point (or electronic money) server 575. Points (or electronic money) may be withdrawn directly, and the points (or electronic money) withdrawn by the information checking unit 525 may be exchanged by the point (or electronic money) exchange processing unit 540. .

The transaction condition comparison processing unit 535 compares the consumer loan transaction conditions registered by the customer whose registrant classification is the consumer loan or the consumer borrower, and confirms the consumer loan customer information and the consumer borrower customer information with the same conditions. It is done.

In more detail, the transaction condition comparison processing unit 535 classifies the consumer loan transaction condition information in which the registrant classification is classified as the borrower and the registrant classification is classified as the lender in association with the transaction condition D / B 255 shown in FIG. Comparing the consumption loan transaction condition information, and when the consumption loan transaction condition information matching the consumption loan transaction condition exists, the registrant ID corresponding to the consumption loan transaction condition information is checked.

The transaction generation unit 530 may generate consumption loan transaction information corresponding to one or more consumption loan transaction condition information selected by the customer terminal device from among the customer loan transaction condition information for each customer, or the transaction condition comparison processing unit 535. It is characterized by generating a transaction by checking the consumer information and the consumer information confirmed by the borrower.

In more detail, the transaction generation unit 530 is associated with the transaction condition D / B 255 shown in Figure 2, the customer terminal corresponding to the consumption balance transaction condition information selected from the total consumption loan transaction condition information Virtual account and point corresponding to the consumer information of the consumer or the borrower who selected the consumer loan transaction condition information and the consumer loan or consumer customer who registered the consumer loan transaction condition information; Or electronic money) account information, characterized in that it can be stored in association with the consumption loan transaction information.

The point (or electronic money) currency exchange processing unit 540 exchanges cash for the consumer's point (or electronic money) confirmed by the information checking unit 525 in response to consumption loan transaction information, or compares a transaction condition. It is characterized in that the exchange of cash (point or electronic money) of the consumer-consumption confirmed by the processor 535.

In more detail, the point (or electronic money) currency exchange processing unit 540 is based on the exchange rate information confirmed by the information confirmation unit 525, the consumption confirmed by the information confirmation unit 525 corresponding to the consumption loan transaction information Exchange the customer's point (or electronic money) to cash or processing the transaction condition comparison processing unit 535 confirmed by the transaction point (or electronic money) to cash.

In addition, according to another embodiment of the present invention, when a profit is generated to a consumer who participated in the consumer loan transaction through a predetermined consumer loan transaction, the point (or electronic money) currency exchange processing unit 540 is the information confirmation unit ( It is also possible to convert the exchange rate corresponding to the exchange rate information identified in step 525 to the profits and convert it to points (or electronic money).

The money transfer unit 545 is characterized by transferring the amount corresponding to the amount of money information exchanged by the point (or electronic money) exchange processing unit 540 to the borrower account.

In more detail, the money transfer unit 545 may convert the amount of money corresponding to the amount of money information converted from the point (or electronic money) exchange point processing unit 540 into the point (or electronic money) of the consuming customer and the consumer borrower customer information. Characterized in that the transfer process to the account corresponding to the linked account information (or virtual account information).

In addition, according to another embodiment of the present invention, the money transfer unit 545 is an account (or virtual) opened in at least one consumer borrower customer's name of the cash exchanged at the point (or electronic money) exchange processing unit 540. It is characterized in that the transfer process to be deposited into the account).

The point (or electronic money) settlement processing unit 550 collects point (or electronic money) usage information and point (or electronic money) earning information for each transaction of the consumer consuming transaction and points (or electronic money) usage information and points (or E-money) earning information characterized in that to generate.

In more detail, the point (or electronic money) settlement processing unit 550 stores the point (or electronic money) usage information last stored in the storage medium 570 and the point (or electronic money). Check the information, periodically check and collect point (or electronic money) usage information for each transaction (consumption money) of the consumer-consumer customer, and the points (or electronic money) earning information of the consumer-consumer customer resulting from a predetermined consumer loan transaction; The collected points (or electronic money) using information and points (or electronic money) earned information, characterized in that to generate and update.

The point (or electronic money) information transmission unit 555 accumulates the point (or electronic money) usage information and the point (or electronic money) information generated or updated by the point (or electronic money) settlement processing unit 550. The information is transmitted to the point (or electronic money) server 575 through a communication network.

In more detail, the point (or electronic money) information transmission unit 555 may include the point (or electronic money) usage information of the consumer who has been created or updated by the point (or electronic money) information transmission unit 555, and Point (or electronic money) earning information of the customer, the consumer, characterized in that the transmission to the point (or electronic money) server 575 corresponding to the point (or electronic money) account information.

The information storage unit 565 may include consumption loan transaction information generated by the transaction generation unit 530, point (or electronic money) usage information and point (generated by the point (or electronic money) settlement processing unit 550). Or electronic money) earned information, the account information (or virtual account information) identified from the transaction condition D / B 255, and the point (or electronic money) account information in association with the customer information in the storage medium 570. Characterized in that stored in.

The point (or electronic money) server 575 may be used to create a point (or electronic money) account through the user interface at the information registration server in association with the information registration server and the consumer loan transaction processing server 500. Or the last (or most recent) stored point (or electronic money) by receiving the point (or electronic money) usage information and the point (or electronic money) earning information transmitted from the consumption balance transaction processing server 500. It is characterized in that it is possible to update and store the usage information or the point (or electronic money) earning information, or to transfer or withdraw the points (or electronic money) in connection with the consumption balance transaction processing server 500.

In more detail, according to an exemplary embodiment of the present invention, the point (or electronic money) server 575 may be connected with the consumer loan transaction processing server 500 to execute a consumer loan transaction based on the approval of the consumer loan customer. Point (or electronic money) for the transfer to the consumption transaction processing server 500 is characterized in that.

In addition, according to another exemplary embodiment of the present invention, the point (or electronic money) server 575 is connected to the point (or electronic money) server 575 by a terminal device that provides point (or electronic money) account information. It is characterized in that to allow the transfer of points (or electronic money) from the point (or electronic money) account corresponding to the point (or electronic money) account information to the consumption balance transaction processing server 500.

In addition, according to another exemplary embodiment of the present invention, the point (or electronic money) server 575 is the point (or electronic money) the consumer loan transaction processing server 500 provided with the account information is the point (or electronic Money) Directly access the server 575, it is characterized in that the point (or electronic money) to withdraw the point (or electronic money) directly from the point (or electronic money) account corresponding to the point (or electronic money) account information.

The predetermined storage medium 580 associated with the point (or electronic money) server 575, as shown in FIG. 5, includes at least one or more customer information, points (or electronic money) earning information, and points (or And store exchange rate information including an exchange policy such as an amount conversion rate of the point (or electronic money) server 575.

6 is a table showing the configuration of each piece of information stored in the storage medium according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates a table structure constituting each of customer information stored in the storage medium 570, consumer loan transaction information, point (or electronic money) usage information, and point (or electronic money) earning information. As shown, the customer information table includes an ID, a password, a name, an address, a social security number, a landline telephone number, a wireless telephone number, and an e-mail of a customer registering consumer loan transaction condition information. desirable.

The virtual account information table preferably exists in correspondence with customer information for which no account information exists, and the ID, password, name, address, resident registration number, and virtual account of the customer who registers consumption loan transaction condition information. It is preferable to consist of a number and a mother account number.

For reference, although not shown in Figure 6, according to another embodiment of the present invention, when the customer participating in the consumer loan transaction has a real account, the consumer loan transaction processing server 500 is the virtual account information The real account information table may be configured instead of the table and stored in the storage medium 570.

The point (or electronic money) account information table preferably exists in correspondence with customer information for which point (or electronic money) account information does not exist, the ID, name and name of the customer registering the loan condition information; It is preferably composed of an address, an account number, an account password, and an available point (or electronic money).

For example, the information update of the point (or electronic money) account information table is performed by the consumption balance transaction processing server 500 of FIG. 5 to be shown below in connection with the point (or electronic money) server 575. It is done.

The consumption loan transaction information table is preferably composed of a transaction number assigned to each consumer loan transaction, a registrant ID, classification, transaction amount, transaction rate, transaction period, credit condition, borrower debt condition, property condition, participant ID. .

The point (or electronic money) usage information table includes ID, name, transaction number, point (or electronic money) account number and account password of the consumer who used the point (or electronic money) to participate in a predetermined consumer loan transaction. In addition, it is preferable that the use point (or electronic money) is used to participate in the consumer loan transaction.

The point (or electronic money) earning information table includes IDs, names, and transaction numbers of customers who have participated in a predetermined consumer loan transaction and have earned points (or electronic money) corresponding to the profits generated from the consumer loan transaction. , Points (or electronic money) account number, account password, it is preferable that the earned points (or electronic money) earned by earning points (or electronic money) generated by participating in the consumer loan transaction.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the configuration of each piece of information stored in the storage medium 570 by referring to or modifying the present invention. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

FIG. 7 is a view illustrating a process of identifying consumption loan transaction condition information selected from a predetermined customer terminal device and processing according to classification of a consumer loan owner or a consumer borrower who selected the consumption loan transaction condition information according to an embodiment of the present invention. .

In more detail, in FIG. 7, the consumption balance transaction processing server 500 confirms the consumption balance transaction condition information selected by the terminal device illustrated in FIG. 5, and the consumption loan or consumption of the customer who selected the consumption balance transaction condition information. As a method for establishing a basic environment (for example, approval of a consumer loan) for the establishment of a consumer loan transaction by distinguishing whether the borrower is a borrower, and those skilled in the art to which the present invention pertains, FIG. It is possible to infer various implementation methods for identifying and processing consumption loan transaction conditions information from a predetermined customer terminal device and identifying and processing the consumption loan or consumer loans of the customer who selected the consumption loan transaction condition information by referring to or modifying the present invention. Includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 7, when the terminal device illustrated in FIG. 5 requests access to the consumer loan transaction processing server 500 for consumption loan transaction using a point (or electronic money) (700), the consumer loan transaction The processing server 500 checks the connection request of the terminal device, provides a server connection interface to the terminal device (705), and the terminal device identifies the server connection interface provided from the consumer loan transaction processing server 500. In operation 710, the terminal device inputs a customer ID and a password through a server access interface (715).

Subsequently, the consumer loan transaction processing server 500 receives the customer ID and the password transmitted from the terminal device to check whether the customer ID and the password are valid (720).

If the validity of the customer ID and the password is not confirmed (725), the consumer loan transaction processing server 500 generates an error message and transmits the error message to the terminal device, and consumes the selected consumer terminal device. The process of checking and processing the loan transaction condition information is terminated (730).

On the other hand, when the validity of the customer ID and the password is confirmed, the consumer loan transaction processing server 500 is linked to the transaction condition D / B 255 shown in Figure 2, the consumer loan transaction processing server ( Checking and extracting the point (or electronic money) information corresponding to the customer ID connected to the 500 and the entire consumption loan transaction condition information (735), and the point (or electronic money) corresponding to the access customer ID to the terminal device; Information and overall consumption loan transaction condition information is provided (740).

Thereafter, the terminal apparatus checks the point (or electronic money) information and the total consumption loan transaction condition information, and selects specific consumption loan transaction condition information from the total consumption loan transaction condition information (745). The consumption balance transaction condition information is transmitted to the consumption balance transaction processing server 500 (750), the consumption balance transaction processing server 500 checks the specific consumption balance transaction condition information transmitted from the terminal device (755) In operation 760, the terminal device connected to the consumption balance transaction processing server 500 confirms whether the customer information provided to the consumption balance transaction processing server 500 is corresponding to the customer.

If the customer information provided by the terminal device connected to the consumer loan transaction processing server 500 does not correspond to the consumer loan customer information (765), the consumer loan transaction processing server 500 performs a specific consumer loan transaction. A customer provided to the consumer loan transaction processing server 500 by a predetermined terminal device that selects specific consumer loan transaction condition information to a terminal device (or a terminal device connected with the subscriber ID) included in the condition information. Information and a request for approval of a predetermined consumption balance transaction (770), and the terminal device transmits the customer information and the transaction approval request of the terminal device which selected the consumption balance transaction condition information from the consumption balance transaction processing server 500. After confirming and inputting the transaction approval (775), the consumption balance transaction processing server 500 stores the customer information provided by the terminal device connected to the consumption balance transaction processing server 500. The process of checking whether the non-liquid customer responds (760) is repeated.

On the other hand, when the customer information provided by the terminal device connected to the consumer loan transaction processing server 500 corresponds to the consumer loan customer information (765), the consumer loan transaction processing server 500 is predetermined to the terminal device. Requesting a transaction means input for consumption loan transaction (780), and the terminal device confirms a transaction means input request for use in the consumer loan transaction (785), thereby confirming the consumption balance transaction condition information selected from a predetermined customer terminal device. And the processing according to the classification of the consumer loan or the consumer borrower of the customer who selected the consumer loan transaction condition information.

FIG. 8 is a diagram illustrating a process of identifying consumption loan transaction condition information selected from a predetermined customer terminal device and processing according to classification of a consumer loan owner or a consumer borrower who selected the consumption loan transaction condition information according to another exemplary embodiment of the present invention. to be.

In more detail, in FIG. 8, the consumption balance transaction processing server 500 confirms the consumption balance transaction condition information selected by the terminal device illustrated in FIG. 5, and the consumption loan or consumption of the customer who selected the consumption balance transaction condition information. As a method for establishing a basic environment (for example, approval of a consumer loan) for the establishment of a consumer loan transaction by distinguishing whether the borrower is a borrower, a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. It is possible to infer various implementation methods for identifying and processing consumption loan transaction conditions information from a predetermined customer terminal device and identifying and processing the consumption loan or consumer loans of the customer who selected the consumption loan transaction condition information by referring to or modifying the present invention. Includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 8, when the terminal apparatus illustrated in FIG. 5 requests access to the consumption balance transaction processing server 500 for consumption loan transaction using a point (or electronic money) (800), the consumption balance transaction The processing server 500 checks and extracts the point (or electronic money) information and the entire consumption loan transaction condition information corresponding to the connected customer ID requesting the consumption loan transaction condition information in connection with the transaction condition D / B 255 ( In operation 810, the terminal device provides point (or electronic money) information corresponding to the access customer ID and information on the entire consumption loan transaction condition (810).

Thereafter, the terminal apparatus checks the point (or electronic money) information and the total consumption loan transaction condition information, and selects specific consumption loan transaction condition information from the total consumption loan transaction condition information (815). The consumption balance transaction condition information is transmitted to the consumption balance transaction processing server 500 (820), and the consumption balance transaction processing server 500 confirms the specific consumption balance transaction condition information transmitted from the terminal device (825). In operation 830, the terminal device connected to the consumer loan transaction processing server 500 may check whether the customer information provided to the consumer loan transaction processing server 500 is corresponded to the consumer loan consumer.

If the customer information provided by the terminal device connected to the consumer loan transaction processing server 500 does not correspond to the consumer loan customer information (835), the consumer loan transaction processing server 500 performs a specific consumer loan transaction. A customer provided to the consumer loan transaction processing server 500 by a predetermined terminal device that selects specific consumer loan transaction condition information to a terminal device (or a terminal device connected with the subscriber ID) included in the condition information. Information and a request for approval of a predetermined consumption loan transaction (840), and the terminal device transmits the customer information and the transaction approval request of the terminal device which selected the consumption balance transaction condition information from the consumption balance transaction processing server 500. After confirming and inputting a transaction approval (845), the consumer loan transaction processing server 500 may check the customer information provided by the terminal device connected to the consumer loan transaction processing server 500. It is repeatedly enlarged main client 830, the process of confirming whether or not the response.

On the other hand, when the customer information provided by the terminal device connected to the consumer loan transaction processing server 500 corresponds to the consumer loan customer information (835), the consumer loan transaction processing server 500 is predetermined to the terminal device. By requesting a transaction means input for consumption loan transaction (850), the terminal device confirms the transaction means input request to be used in the consumer loan transaction (855), and confirms the consumption balance transaction condition information selected from a predetermined customer terminal device. And the processing according to the classification of the consumer loan or the consumer borrower of the customer who selected the consumer loan transaction condition information.

9 illustrates a consumption loan transaction processing server in connection with a point (or electronic money) server in accordance with an embodiment of the present invention, and creates a consumption balance transaction and transfers a point (or electronic money) required for the consumption loan transaction. A diagram illustrating a process of processing a consumer loan transaction by receiving a point (or electronic money) by requesting a server from an electronic money).

In more detail, FIG. 9 illustrates a consumption balance transaction and a consumption balance transaction information corresponding to the specific consumption balance transaction condition information selected by the terminal device, and the consumer through the consumer loan approval in the processing of the consumption balance transaction. A method of processing a consumer loan transaction by transferring a point (or electronic money) for the consumption loan transaction from a point (or electronic money) server 575 corresponding to the held point (or electronic money), Those skilled in the art to which the present invention pertains, the consumer loan transaction processing server 500 in connection with the point (or electronic money) server 575 to create or consume a consumer transaction by referring to or modifying this figure 9 And transfers the points (or electronic money) to the point (or electronic money) server 575 to transfer the points (or electronic money) required for the consumption loan transaction. Receiving would be able to infer the various exemplary method for processing a consumer lending, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 9.

Referring to FIG. 9, when the terminal device illustrated in FIG. 5 is a consumer loan terminal device, the terminal device may be used for a consumer loan transaction through a user screen while connected to a consumer loan transaction server for a consumer loan transaction. Input the transaction means (900), the consumer loan transaction processing server 500 checks the transaction means to be used for the consumer loan transaction transmitted from the terminal device (905), if the transaction means corresponds to cash In operation 910, the transaction processing server 500 by depositing cash converted into a point (or electronic money) from the transaction processing server to the account (or virtual account) of the consumer loan corresponding to the consumption loan transaction information (980). ) Creates a consumption loan transaction in conjunction with the point (or electronic money) server 575 and transfers the point (or electronic money) transfer required for the consumption loan transaction to the point (or electronic money) server 575. Cheonghayeo receiving point (or electronic money) is provided to terminate the sequence of processing the consumer lending.

On the other hand, when the transaction means corresponds to a point (or electronic money) (910), the consumer loan transaction processing server 500 includes a consumer loan transaction condition information and a consumer loan transaction including at least one consumer loan transaction means. After generating and storing the information (915), confirming the exchange rate information corresponding to the point (or electronic money) manager information associated with the consumption loan transaction information (920), the transaction amount paid to the participating consumer borrowers By applying a conversion rate, the point (or electronic money) usage information is generated, and the point (or electronic money) usage information is stored in the storage medium 570 (925).

Thereafter, the transaction processing server checks the consumer loan customer information associated with the consumer loan transaction information, and checks and points (or electronic money) transfer of the consumer loan point (or electronic money) to the terminal device corresponding to the consumer loan customer information. Requesting approval of electronic money) (930), the terminal device of the consumer customer confirms the confirmation of the transfer of the point (or electronic money) and the approval request before the point (or electronic money), and points (or Electronic money) transfer is approved (935).

Thereafter, the consumer loan transaction processing server 500 confirms the approval, and then confirms point (or electronic money) account information corresponding to the consumer loan customer information associated with the consumer loan transaction information (940). The point (or electronic money) account information is transferred to the point (or electronic money) account information in order to transfer the point (or electronic money) corresponding to the point (or electronic money) usage information from the (or electronic money) server 575. In operation 945, the point (or electronic money) server 575 confirms the validity of the point (or electronic money) account information transmitted from the transaction processing server (950).

If the validity of the point (or electronic money) account information is not confirmed (955), the point (or electronic money) server 575 generates an error message and transmits the error message to the corresponding terminal device (960). The transaction processing server 500 generates a consumption loan transaction in association with the point (or electronic money) server 575 and transfers the point (or electronic money) required for the consumption loan transaction to the point (or electronic money) server 575. You will receive a point (or electronic money) for the purpose of completing a series of processes for processing consumer loan transactions.

On the other hand, when the validity of the point (or electronic money) account information is confirmed (955), the point (or electronic money) server 575 transfers the point (or electronic money) to the transaction processing server (965), The transaction processing server converts the points (or electronic money) transferred from the point (or electronic money) server 575 into cash necessary for a consumption loan transaction (970), and the consumption borrowing notes corresponding to the consumption loan transaction information. By checking the account (or virtual account) (975) and paying the cash to convert the points (or electronic money) to the identified consumer account (or virtual account) (980), the consumption balance transaction processing server 500 In connection with the point (or electronic money) server 575 to create a consumption loan transaction, and request the point (or electronic money) server 575 to transfer the points (or electronic money) required for the consumption loan transaction. (Or electronic money) Oh, it will terminate a series of processes to handle consumer lending.

10 illustrates a consumption loan transaction processing server in connection with a point (or electronic money) server in accordance with another embodiment of the present invention to generate a consumption loan transaction and transfers a point (or electronic money) required for the consumption loan transaction. Alternatively, a diagram illustrating a process of processing a consumer loan transaction by receiving a point (or electronic money) by requesting a server from an electronic money).

In more detail, FIG. 10 illustrates a consumption balance transaction and a consumption balance transaction information corresponding to the specific consumption balance transaction condition information selected by the terminal device, and the consumer through the consumer loan approval in the processing of the consumption balance transaction. The present invention relates to a method of processing a consumer loan transaction by transferring a point (or electronic money) for the consumer loan transaction from a point (or electronic money) server 575 corresponding to the possessed point (or electronic money). Those skilled in the art to which the invention pertains, the consumer loan transaction processing server 500 in conjunction with the point (or electronic money) server 575 to create or consume a consumer loan transaction by referring to or modifying this figure 10. A request for transfer of a point (or electronic money) required for a consumption loan transaction is made to the point (or electronic money) server 575 to remove a point (or electronic money). Various implementation methods for processing consumption loan transactions can be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 10, when the terminal device illustrated in FIG. 5 is a consumer-oriented terminal device, the terminal device may be used for a consumer loan transaction through a user screen while connected to a consumer loan transaction server for a consumer loan transaction. Entering a trading means (1000), the consumer loan transaction processing server 500 checks (1005) the transaction means to be used for the consumer loan transaction transmitted from the terminal device, if the transaction means corresponds to cash In operation 1010, the transaction processing server 500 by depositing a cash exchange point (or electronic money) from the transaction processing server to the account (or virtual account) of the consumer borrower corresponding to the consumption loan transaction information (1080) In connection with the point (or electronic money) server 575 to create a consumption loan transaction, and transfer the point (or electronic money) required for the consumption loan transaction to the point (or electronic money) server 575. You will receive a point (or electronic money) for the purpose of completing a series of processes for processing consumer loan transactions.

On the other hand, when the transaction means corresponds to a point (or electronic money) (1010), the consumer loan transaction processing server 500 includes a consumer loan transaction condition information and at least one consumer loan transaction means. Generate and store information (1015), check the exchange rate information corresponding to the point (or electronic money) manager information associated with the consumption loan transaction information (1020), and then check the transaction amount paid to the participating consumer. By applying a conversion rate, the point (or electronic money) usage information is generated, and the point (or electronic money) usage information is stored in the storage medium 570 (1025).

Thereafter, the transaction processing server checks the point (or electronic money) account information corresponding to the consumer loan customer information linked to the consumption loan transaction information (1030), and the point from the point (or electronic money) server 575. If the point (or electronic money) account information is provided to the point (or electronic money) server 575 (1035) to transfer the point (or electronic money) corresponding to the usage information (or electronic money), the point ( Alternatively, the electronic money server 575 checks the validity of the point (or electronic money) account report transmitted from the consumption balance transaction processing server 500 (1040).

If the validity of the point (or electronic money) account information is not confirmed (1045), the point (or electronic money) server 575 generates an error message and transmits the error message to the corresponding terminal device (1050). The transaction processing server 500 generates a consumption loan transaction in association with the point (or electronic money) server 575 and transfers the point (or electronic money) required for the consumption loan transaction to the point (or electronic money) server 575. You will receive a point (or electronic money) for the purpose of completing a series of processes for processing consumer loan transactions.

On the other hand, when the validity of the point (or electronic money) account information is confirmed (1045), the point (or electronic money) server 575 points to the terminal device corresponding to the point (or electronic money) account information ( Or requesting confirmation and approval for the transfer of electronic money (1055), and when the terminal device confirms and confirms the confirmation and approval request for the transfer of the point (or electronic money) (1060), the point (or electronic money) The server 575 transfers the point (or electronic money) to the transaction processing server (1065), and the transaction processing server consumes the point (or electronic money) transferred from the point (or electronic money) server 575. Exchange the cash required for the loan transaction (1070), check the consumer's account (or virtual account) corresponding to the consumer's loan transaction information (1075), and points to the verified consumer's account (or virtual account) (Or electronic By paying cash on exchanged money (1080), the consumer loan transaction processing server 500 creates a consumer loan transaction in association with the point (or electronic money) server 575, and the points (or Electronic money) is requested to the point (or electronic money) server 575 to receive a point (or electronic money) to terminate a series of processes for processing consumer loan transactions.

11 shows a consumer loan transaction processing server in connection with a point (or electronic money) server to create a consumer loan transaction and transfers a point (or electronic money) required for a consumer loan transaction according to another embodiment of the present invention. It is a diagram illustrating a process of processing a consumer loan transaction by receiving a point (or electronic money) by requesting a terminal device.

In more detail, FIG. 11 illustrates a consumption balance transaction and a consumption balance transaction information corresponding to the specific consumption balance transaction condition information selected by the terminal device, and points to the terminal device of the consumer loan customer in the processing of the consumption balance transaction. Requesting the transfer of electronic money, the terminal device accesses the point (or electronic money) server 575 and transfers the point (or electronic money) to the consumption loan transaction processing server 500 to transfer the consumption loan transaction. As a person of ordinary skill in the art to which the present invention pertains, the consumer loan transaction processing server 500 is connected to the point (or electronic money) server 575 by referring to or modifying the present invention. Create a consumer loan transaction by linking, and request the transfer of the point (or electronic money) required for the consumer loan transaction to the customer terminal device to receive the point (or electronic money). However, various implementation methods for processing consumer loan transactions may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 11, when the terminal device illustrated in FIG. 5 is a consumer loan terminal device, the terminal device may be used for a consumer loan transaction through a user screen while connected to a consumer loan transaction server for a consumer loan transaction. After entering a transaction means (1100), the consumer loan transaction processing server 500 checks the transaction means to be used for the consumer loan transaction transmitted from the terminal device (1105), if the transaction means corresponds to cash In operation 1110, the transaction processing server deposits cash for converting points (or electronic money) into the account of the consumer (or virtual account) corresponding to the consumption loan transaction information (1180). The 500 creates a consumption loan transaction in association with the point (or electronic money) server 575 and transfers the point (or electronic money) required for the consumption loan transaction to the point (or electronic money) server 575. ) To receive a point (or electronic money) to conclude a series of processes for processing consumer loan transactions.

On the other hand, when the transaction means corresponds to the point (or electronic money) (1110), the consumer loan transaction processing server 500 includes a consumer loan transaction condition information and a consumer loan transaction means including at least one consumer loan transaction means. Generate and store information (1115), check the exchange rate information corresponding to the point (or electronic money) manager information associated with the consumption loan transaction information (1120), and check the transaction amount paid to the participating consumer. The conversion rate is applied to generate point (or electronic money) usage information, and the point (or electronic money) usage information is stored in the storage medium 570 (1125).

Thereafter, the consumer loan transaction processing server 500 requests the transfer of a point (or electronic money) for a consumer loan transaction to the consumer loan terminal associated with the consumer loan transaction information (1130), and the consumer loan terminal is Upon confirming the point (or electronic money) transfer request for the consumer loan transaction from the consumer loan transaction processing server 500 (1135), the consumer terminal device transfers the point (or electronic money) to transfer the point (or electronic money). Currency) sends the account information to the server 575 to request access to the point (or electronic money) server 575 (1140), the point (or electronic money) server 575 is transmitted from the transaction processing server Receiving the point (or electronic money) account information and confirms the validity of the point (or electronic money) account information (1145).

If the validity of the point (or electronic money) account information is not confirmed (1150), the point (or electronic money) server 575 generates an error message and transmits the error message to the corresponding terminal device (1155). The transaction processing server 500 generates a consumption loan transaction in association with the point (or electronic money) server 575 and transfers the point (or electronic money) required for the consumption loan transaction to the point (or electronic money) server 575. You will receive a point (or electronic money) for the purpose of completing a series of processes for processing consumer loan transactions.

On the other hand, when the validity of the point (or electronic money) account information is confirmed (1150), the point (or electronic money) server 575 is connected to the terminal device corresponding to the point (or electronic money) account information. Allowed (1160), the consumer loan terminal device checks the point (or electronic money) earning information, and transfers the point (or electronic money) to the consumer loan transaction processing server 500 (1165).

Thereafter, the consumer loan transaction processing server 500 checks the point (or electronic money) transferred from the point (or electronic money) server 575 through the consumer loan terminal device (1170), and the point (or Electronic money) The point (or electronic money) transferred from the server 575 is converted into cash necessary for the consumption loan transaction (1175), and the account (or virtual account) of the consumer's account corresponding to the consumption loan transaction information is confirmed. And (1180), by paying the cash to convert the points (or electronic money) to the confirmed consumer account (or virtual account) (1185), the consumer loan transaction processing server 500 points (or electronic money) In connection with the server 575, a consumer loan transaction is generated, and a point (or electronic money) is provided to the customer terminal to request a point (or electronic money) transfer necessary for the consumer loan transaction, and a series of processes for the consumer loan transaction is performed.Thereby terminating the process.

Figure 12 is a consumer loan transaction processing server in accordance with another embodiment of the present invention to create a consumer loan transaction in connection with the point (or electronic money) server, and the consumer loan for points (or electronic money) required for the consumer loan transaction A diagram illustrating a process of processing a consumer loan transaction by directly withdrawing the transaction processing server.

In more detail, FIG. 12 illustrates consumption loan transactions and consumption loan transaction information corresponding to specific consumption loan transaction condition information selected by the terminal device, and consumes points (or electronic money) necessary for the processing of the consumption loan transaction. After accessing the point (or electronic money) server 575 by using the customer's point (or electronic money) account information, the consumer loan transaction processing server 500 directly withdraws the point (or electronic money). As a method for processing a consumer loan transaction, those of ordinary skill in the art to which the present invention pertains, the consumer loan transaction processing server 500 is a point (or electronic money) server by referring to or modifying the drawing 12. In connection with 575, the consumer loan transaction is generated, and the consumer loan transaction processing server 500 directly withdraws the points (or electronic money) required for the consumer loan transaction. Would be able to infer a variety of exemplary ways to handle non-balance consumer lending, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 12.

Referring to FIG. 12, when the terminal device illustrated in FIG. 5 is a consumer-oriented terminal device, the terminal device may be used for a consumer loan transaction through a user screen while connected to a consumer loan transaction server for a consumer loan transaction. Input the transaction means (1200), the consumer loan transaction processing server 500 checks the transaction means to be used for the consumer loan transaction transmitted from the terminal device (1205), if the transaction means corresponds to cash In operation 1210, the transaction processing server 500 deposits cash converted from a point (or electronic money) into the account (or virtual account) of the consumer's loan corresponding to the consumption loan transaction information in the transaction processing server (1265). In connection with the point (or electronic money) server 575 to create a consumption loan transaction, and transfer the point (or electronic money) required for the consumption loan transaction to the point (or electronic money) server 575. You will receive a point (or electronic money) for the purpose of completing a series of processes for processing consumer loan transactions.

On the other hand, when the transaction means corresponds to a point (or electronic money) (1210), the consumer loan transaction processing server 500 includes a consumer loan transaction condition information and at least one consumer loan transaction means. Generate and store transaction information (1215), check the exchange rate information corresponding to the point (or electronic money) manager information associated with the consumption loan transaction information (1220), and then provide the transaction amount paid to the participating consumer. The conversion rate is applied to generate the point (or electronic money) usage information, and store the point (or electronic money) usage information in the storage medium 570 (1225).

Subsequently, the consumer loan transaction processing server 500 checks the point (or electronic money) account information corresponding to the consumer loan customer information linked to the consumer loan transaction information (1230), and checks the point (or electronic money) account information. When providing the point (or electronic money) account information for access to the server of the corresponding point (or electronic money) manager (1235), the point (or electronic money) server 575 is the consumption balance transaction processing server 500 Receiving the point (or electronic money) account information transmitted from the), and confirms the validity of the point (or electronic money) account information (1240).

If the validity of the point (or electronic money) account information is not confirmed (1245), the point (or electronic money) server 575 generates an error message and transmits the error message to the corresponding terminal device (1250). The transaction processing server 500 generates a consumption loan transaction in association with the point (or electronic money) server 575 and transfers the point (or electronic money) required for the consumption loan transaction to the point (or electronic money) server 575. You will receive a point (or electronic money) for the purpose of completing a series of processes for processing consumer loan transactions.

On the other hand, when the validity of the point (or electronic money) account information is confirmed (1245), the transaction processing server is connected to the point (or electronic money) server 575 to correspond to the point (or electronic money) usage information. Withdraw a point (or electronic money) to be made (1255), and apply a currency exchange rate to the point (or electronic money) withdrawn from the point (or electronic money) server 575 to exchange the cash for the consumption loan transaction. Check (1260), the account of the consumer (or virtual account) corresponding to the consumer loan transaction information (1265), and exchange points (or electronic money) with the confirmed account of the consumer (or virtual account); By paying one cash (1270), the consumer loan transaction processing server 500 creates a consumer loan transaction in conjunction with the point (or electronic money) server 575 and collects the points (or electronic money) required for the consumer loan transaction. Balance of consumption The below processing server 500 is directly drawn out thereby terminating the series of processing the consumption balance consumer lending.

13 is a view illustrating a process of comparing consumption loan transaction condition information according to another exemplary embodiment of the present invention, identifying consumption loan transaction condition information matching a transaction condition, and processing a consumer loan transaction according to the confirmed transaction condition. Drawing.

In more detail, in FIG. 13, the consumer loan transaction processing server 500 compares the consumer loan transaction condition information registered by the customer including the consumer loan customer or the consumer borrower customer, and the transaction condition of the consumer loan transaction condition information is matched. The present invention relates to a method for checking consumption loan transaction condition information and processing a consumer loan transaction according to the identified consumption loan transaction condition information. Those skilled in the art may refer to FIG. By transforming and comparing the consumption balance transaction condition information, the consumption balance transaction condition information matching the transaction conditions can be confirmed, and various implementation methods for processing the consumption balance transaction in accordance with the confirmed transaction conditions can be inferred. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 13, the consumer loan transaction processing server 500 checks the entire consumer loan transaction condition information (1300), and the consumer loan transaction condition information registered by the consumer loan and the consumer borrower among the entire consumer loan transaction condition information are registered. By comparing the consumption loan transaction condition information, the matching consumer loan transaction condition information is checked (1305).

If the transaction condition information checked by the consumer loan transaction processing server 500 does not match (1310), the consumer loan transaction processing server 500 is a consumer loan transaction condition registered by the consumer loan among the entire consumer loan transaction condition information. By comparing the information with the consumer loan transaction condition information registered by the consumer borrower, the process of checking the matching consumer loan transaction condition information (1305) is repeated.

On the other hand, when the transaction condition information checked by the consumer loan transaction processing server 500 is matched (1310), the consumer loan transaction processing server 500 generates consumer loan transaction information corresponding to the consumer loan transaction condition information. In operation 1315, the consumption balance transaction information is stored in the storage medium 570.

Thereafter, the consumer loan transaction processing server 500 checks the exchange rate information corresponding to the point (or electronic money) manager information associated with the consumer loan transaction information (1320), and the transaction paid to the participating consumer borrower. Point (or electronic money) usage information is generated by applying a conversion rate to the amount, and the point (or electronic money) usage information is stored in the storage medium 570 (1325).

Thereafter, the consumer loan transaction processing server 500 checks the point (or electronic money) account information corresponding to the consumer loan customer information linked to the consumer loan transaction information (1330), and the point (or electronic money) account. When the point (or electronic money) account information is provided (1335) to access the point (or electronic money) server 575 of the point (or electronic money) manager corresponding to the information, the point (or electronic money) server ( 575 checks the validity of the point (or electronic money) account information transmitted from the transaction processing server (1340).

If the validity of the point (or electronic money) account information is not confirmed (1345), the point (or electronic money) server 575 generates an error message and transmits the error message to the corresponding terminal device (1350). The transaction processing server 500 generates a consumption loan transaction in association with the point (or electronic money) server 575 and transfers the point (or electronic money) required for the consumption loan transaction to the point (or electronic money) server 575. You will receive a point (or electronic money) for the purpose of completing a series of processes for processing consumer loan transactions.

On the other hand, when the validity of the point (or electronic money) account information is confirmed (1345), the transaction processing server connects to the point (or electronic money) server 575 to correspond to the point (or electronic money) usage information. Withdraw a point (or electronic money) to be made (1355), and apply a currency exchange rate to the point (or electronic money) withdrawn from the point (or electronic money) server 575 to exchange the cash for the consumption loan transaction. (1360), confirm the account (or virtual account) of the borrower corresponding to the consumer loan transaction information (1365), and exchange points (or electronic money) with the confirmed account of the consumer (or virtual account) By paying one cash (1370), the consumer loan transaction processing server 500 creates a consumer loan transaction in conjunction with the point (or electronic money) server 575 and collects the points (or electronic money) required for the consumer loan transaction. Balance of consumption The below processing server 500 is directly drawn out thereby terminating the series of processing the consumption balance consumer lending.

According to the present invention, it is possible to borrow money using points (or electronic money) between the borrower customer and the consumer loan customer, thereby monetizing the points (or electronic money) of the consumer loan customer through the transaction to the consumer customer. As it is used for the purpose of providing a, a significant synergistic effect can be expected for the utilization of the low utilization point (or electronic money).

In addition, new customers and new revenue generation of point (or electronic money) providers may be expected due to activation of service use for the point (or electronic money) providers.

Claims (11)

An information registering step of registering consumption loan transaction condition information for each predetermined consumer borrower customer in the predetermined information registering means; An information providing step of providing consumption loan transaction condition information for each registered consumer borrower customer to a predetermined consumer loan customer through a web page in a predetermined information providing means; When the consumer loan customers select any one or more of the consumption loan transaction condition information for each consumer borrower customer, a predetermined consumer loan transaction processing means holds points (or electronic money) held by the consumer loan customers corresponding to the selection information. After converting into cash corresponding to the selected consumption loan transaction condition information according to a predetermined exchange rate, the exchanged cash is deposited into an account (or a virtual account) opened in the name of the customer of the consumption borrower corresponding to the selection information. Consumption balance transaction processing step of relaying if possible; Consumption balance transaction processing method using a point (or electronic money) comprising a. An information registration step of registering consumption loan transaction condition information for each predetermined consumer loan customer in a predetermined information registration means; An information providing step of providing consumption loan transaction condition information for each registered consumer customer in a predetermined information providing means to predetermined consumer customers through a web page; When the consumer borrower customer selects any one or more of the consumer loan transaction condition information for each consumer loan customer, a predetermined consumer loan transaction processing unit holds points (or electronic money) held by the consumer loan customers corresponding to the selection information. After converting into cash corresponding to the selected consumption loan transaction condition information according to a predetermined exchange rate, the exchanged cash is deposited into an account (or a virtual account) opened in the name of the customer of the consumption borrower corresponding to the selection information. Consumption balance transaction processing step of relaying if possible; Consumption balance transaction processing method using a point (or electronic money) comprising a. An information registration step of receiving consumption loan transaction condition information for each consumer-consumer customer and consumption loan transaction condition information for each consumer-owner customer in a predetermined information registration means; An information comparing step of comparing consumption loan transaction condition information for each consumer-consumer customer with consumption loan transaction condition information for each consumer-consumer customer in a predetermined information comparing means; In response to the comparison result in a predetermined information processing means, the points (or electronic money) held by the consumer loan customers who match the consumer loan transaction conditions are converted into cash corresponding to the consumer loan transaction condition information according to a predetermined exchange rate. After processing, the cash flow transaction processing step of relaying the exchanged cash to be transferred to the account (or virtual account) opened in the name of the consumer borrower customers that match the consumer loan transaction conditions; How to handle consumer loan transactions using points (or electronic money). According to any one of claims 1 to 3, wherein the consumer loan transaction processing step, Receiving value (cash or point or electronic money) selection information to be used for the selected consumer balance transaction from the consumer loan customers, when the consumer loan customers select any one or more of the loan balance conditions for each consumer customer Consumption loan transaction processing method using a point (or electronic money), characterized in that further comprising the step of. The method according to any one of claims 1 to 3, wherein the consumer loan transaction processing step, Receive transfer of points (or electronic money) for the loan balance transaction from a server that manages points (or electronic money) held by the consumer customer through the customer approval of the consumer, or Receive points (or electronic money) for the consumer loan transaction from the consumer customer; or Withdrawing the point (or electronic money) for the consumption loan transaction through a point (or electronic money) account which deposits the points (or electronic money) held by the consumer customer; Converting the points (or electronic money) for the consumption loan transaction into cash corresponding to each point (or electronic money) exchange rate; consumption using points (or electronic money), characterized in that it comprises a How to Handle Balance Transactions. The method according to any one of claims 1 to 3, wherein the consumer loan transaction condition information, And at least one transaction period information, a transaction interest rate information, and a transaction amount information for a consumer loan transaction. A recording medium comprising a program for executing the method of any one of claims 1 to 3. Point (or electronic money) account opening means for opening a point (or electronic money) account of a predetermined consumer; And In the case of a predetermined consumer loan transaction between the consumer loan customer and at least one consumer loan customer, a point (or electronic money) deposited in the point (or electronic money) account of the opened consumer loan customer corresponding to the consumer loan transaction And a loan-to-trade transaction processing means for relaying the exchanged cash to be transferred to an account (or a virtual account) opened in the name of the at least one consumer borrower customer after converting the cash into cash. Loan processing system using electronic money (or electronic money). Information confirmation means for confirming a holding point (or electronic money) information of the consumer customer when the consumer loan transaction is made between the consumer customer and at least one consumer loan customer; After converting the identified points (or electronic money) of the customer, the consumer loan transaction into cash corresponding to the consumer loan transaction, the exchanged cash account (or virtual account) opened in the name of the at least one consumer customer; Consumer loan transaction processing system using a point (or electronic money) characterized in that it comprises a; The method according to claim 8 or 9, Settlement processing means for converting the generated revenue to a predetermined point (or electronic money) when the revenue corresponding to the consumer loan transaction occurs, and then provide the converted point (or electronic money) to the consumer customer; Consumption loan transaction processing system using a point (or electronic money), characterized in that further comprises. The method of claim 8 or 9, wherein each of the means, On a single server, or Consumption loan transaction processing system using a point (or electronic money), characterized in that provided in a plurality of servers.

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