KR20120139108A - Loan method using credit card reader and revenue information - Google Patents

Abstract

PURPOSE: A credit card reader and a loan method using member store sales information are provided to enable a value-added network(VAN) server to supply the member store sales information to a finance company server in a loan process using the credit card reader, thereby supplying objective credit information to a finance company. CONSTITUTION: A credit card reader transmits loan request information is about card information, which is read from a member store loan card, to a VAN server(S100). The VAN server transmits corresponding to the loan request information and the card information to a finance company server(S200). The finance company server determines whether loan or not based on the member store sales information, the loan request information and loan condition information(S300). The finance company server transfers a loan to a member store account corresponding to the card information(S400). [Reference numerals] (AA) Start; (BB) End; (S100) Credit card reader transmits loan request information including card information to VAN server; (S200) VAN server transmits loan request information and member store sales information to finance company server; (S300) Finance company server determines availablity of loan; (S400) Finance company server transfers loan to member store account; (S500) Finance company server transmits corrected loan information to credit card reader; (S600) Credit card reader transmits corrected loan agreement information to finance company server

Description

Loan method using credit card checker and merchant sales information {LOAN METHOD USING CREDIT CARD READER AND REVENUE INFORMATION}

The present invention relates to a loan method using a credit card lookup and merchant sales information, in particular, merchants easily receive a loan using a credit card lookup requesting a loan to a financial company through a VAN server, the financial company from the VAN server The present invention relates to a loan method capable of making a loan according to objective credit information obtained by receiving merchant sales information.

As the financial industry develops, various financial institutions, such as banks and credit card companies, offer loan services by launching various loan products such as card loans and mortgages. For example, in the case of a card loan, a credit card company uses a previously issued credit card to make a loan within a credit limit assigned to a user of a credit card.

However, loan services for merchants that provide transactions using credit cards rather than users of credit cards are not provided. In many cases, self-employed business owners who operate small businesses need short-term funds that can be used quickly. However, loans require complex procedures, such as visiting a financial institution directly and checking the loan conditions. In addition, merchants operating small businesses often find it difficult to provide collateral.

In order to solve the above problems, the present invention provides an easy credit using a credit card inquiry machine that makes a loan request to a finance company through a VAN server, and a finance company obtains an objective credit obtained by receiving merchant sales information from a VAN server. Its purpose is to provide a loan method that enables loans based on information.

In order to achieve the above object, the loan method according to the present invention includes a credit card lookup for reading a merchant loan card, a financial company server, a VAN server for relaying the credit card lookup and the financial company server and stores merchant sales information. A loan method performed in a loan system, the method comprising: (a) transmitting credit request information including credit card information read from the merchant loan card to the VAN server; (b) the VAN server transmitting the affiliated store sales information corresponding to the loan request information and the card information to the financial company server; (c) determining, by the financial company server, whether the loan is possible based on the affiliated store sales information, the loan request information, and loan condition information; And (d) if it is determined that the loan is possible, transferring the loan to the merchant account corresponding to the card information by the financial institution server.

According to the loan method according to the present invention (e) if it is determined that the loan is impossible, the financial company server transmits the modified loan information determined based on the merchant sales information and the loan condition information to the credit card inquiry through the VAN server step; (f) the credit card inquiry device receiving the modified loan information transmitting the modified loan agreement information to the financial institution server through the VAN server; And (g) performing the step (d) by the financial institution server receiving the modified loan agreement information.

The step (a) may include (a-1) reading the card information from the merchant loan card by the credit card inquiry machine; And (a-2) the credit card inquiry receiving the loan request information including loan request amount information input by the merchant operator.

The loan request information may include at least one of a loan period, a repayment method, and a card password.

The step (b) may include (b-1) extracting the affiliated store sales information based on the card information received in the step (a); And (b-2) transmitting the loan request information and the affiliated store sales information extracted in the step (b-1) to the financial company server.

Step (c) may include (c-1) extracting loan request amount information from the loan request information; (c-2) extracting credit information and expected withdrawal information corresponding to the card information from the loan condition information; And (c-3) whether the loan is possible based on the merchant sales information, the loan request amount information extracted in the step (c-1), and the credit information and the expected withdrawal information extracted in the step (c-2). It may include the step of determining.

In step (d), if it is determined that the loan is possible (d-1), the financial institution server transmits loan information to the credit card inquiry machine through the VAN server; (d-2) transmitting the loan agreement information input by the merchant operator through the VAN server to the financial company server through the VAN server; And (d-3) transferring the loan to the merchant account corresponding to the card information by the financial institution server receiving the loan agreement information.

The loan information may include at least one of a loan amount and an interest rate, a loan period, and a repayment method.

In step (d), if it is determined that the loan is possible (d-1), the financial institution server transmits the authentication number to the portable terminal corresponding to the card information; And (d-2) the credit card inquiry transmitting the authentication number to the financial institution server through the VAN server.

Loan method according to the invention, after the step (d) is performed, the VAN server stores the new sales information; And the banking server and the financial company server associated with the merchant account based on the new sales information may further comprise the step of calculating the loan.

Loan method using a credit card query and merchant sales information according to the present invention has an advantage that the merchant operators can easily borrow.

First, merchants can obtain loans using a relatively simple procedure by using a credit card checker and a merchant loan card located in each merchant without preparing related documents or directly visiting a financial company. In the loan process using the credit card checker, the VAN server provides objective credit information to the financial company by providing merchant sales information to the financial company server. Therefore, financial companies can provide stable loan services by using merchant sales information along with basic loan condition information.

In addition, if the loan is not possible according to the loan amount requested by the merchant operator, the financial institution server may transmit a modified loan information based on the merchant sales information and execute a loan with consent through a credit card checker, thereby making a flexible loan. In general, a customer who wants to use a loan often has a hard time knowing how much he can borrow. If it is impossible to loan the amount requested by the merchant, the loan may be elastically provided by providing the corrected loan information including the loanable amount based on the merchant sales information and obtaining the loan through consent of the credit card checker.

1 is a block diagram showing a loan system according to the present invention according to the present invention.
2 is a flow chart illustrating a loan method according to the present invention.
Figure 3 is a flow chart showing an example of step S100 in accordance with the present invention.
Figure 4 is a flow chart showing an example of step S200 in accordance with the present invention.
5 is a flowchart illustrating an example of step S300 according to the present invention;
6 is a flow chart showing an example of step S400 in accordance with the present invention.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the loan method according to the present invention.

1 is a block diagram showing a loan system according to the present invention according to the present invention.

Referring to FIG. 1, the loan system according to the present invention includes a credit card inquiry system 100, a VAN server 200, and a financial institution server 300.

The credit card inquiry device 100 is a terminal connected to the VAN server 200 and requesting approval of a credit card. In general, the credit card inquiry system 100 reads a credit card to extract card information including a card number or an expiration date, and provides the VAN server 200 with transaction information including a product amount or merchant information along with the card information. To send). Credit card query 100 according to the invention extracts the card information including the merchant card information by reading the merchant loan card, and receives the loan request information including the loan request amount or loan period VAN server ( 200) to perform a further function.

The VAN server 200 provides a credit card authorization service between the credit card checker 100 and each credit card company server. The VAN server 200 according to the present invention not only provides an authorization service between the credit card lookup device 100 and each credit card company server, but also stores merchant sales information and transmits loan request information to the financial company server. Send together.

The financial company server 300 receives the loan request information from the VAN server 200 and transfers the loan to the merchant account if it is determined that the loan is possible. The financial company server may be a server managed by the first to third financial companies, such as a bank that provides a loan, a credit card company or a savings bank.

2 is a flowchart illustrating a loan method according to the present invention.

Referring to FIG. 2, first, the credit card query device 100 transmits loan request information including card information read from a merchant loan card to the VAN server 200 (S100).

The credit card query device 100 reads the merchant loan card to extract card information including the merchant business information, and receives the loan request information including the card information and the loan request amount, the loan period, and the like. To send).

A merchant loan card is a card issued to a merchant operator so that a merchant operator who operates a credit card merchant can easily receive a loan. The merchant loan card may be a magnetic card or an integrated circuit (IC) card and may be read by the credit card checker 100. In addition, the merchant loan card may be issued by a VAN company in cooperation with a financial company or a financial company in cooperation with a VAN company.

Hereinafter, an example of an operation S100 of transmitting credit request information including credit card information to a VAN server will be described with reference to FIG. 3.

In step S100, the credit card lookup 100 reads the card information from the merchant loan card (S120) and the credit card lookup 100 receives the loan request information including the loan request amount information input by the merchant. It may include the step (S140).

The credit card inquiry device 100 may extract card information including affiliate store operator information from a magnetic line included in the magnetic card or a memory included in the IC card. In addition, the credit card lookup 100 receives loan request information including at least one of the loan request amount, loan period, repayment method and card password entered by the merchant operator through the keypad provided in the credit card lookup 100 Can be received.

After performing steps S120 and S140, the credit card query device 100 may transmit card information and loan request information acquired in steps S120 and S140 to the VAN server 200 (S160).

Referring back to FIG. 2, the VAN server 200 transmits affiliate store sales information corresponding to the loan request information and the card information to the financial company server 300 (S200).

Hereinafter, an example of step S200 in which the VAN server 200 transmits affiliate store sales information corresponding to the loan request information and the card information to the financial company server 300 will be described with reference to FIG. 4.

First, the VAN server 200 may extract affiliate store sales information based on card information including affiliate store operator information read in step S120 (S220).

The VAN server 200 according to the present invention may not only provide a credit card approval service between the credit card lookup device 100 and each credit card company server, but also store affiliate store sales information with the consent of the affiliate store operator. A VAN company or a financial company may obtain consent from the merchant operator to store the merchant sales information when the merchant operator is issued a merchant loan card. Since the card information includes unique merchant business information, the card information may indicate the merchant's recent one month credit card sales or the average credit card sales for six months. Merchant sales information is information on the credit card sales generated at the merchant during this period.

Next, the VAN server 200 may transmit the extracted merchant sales information and the loan request information received from the credit card inquiring unit 100 in step S100 to the financial institution server 300 (S240).

Referring back to FIG. 2, the financial company server 300 determines whether the loan is possible based on the affiliate store sales information, the loan request information, and the loan condition information (S300).

Hereinafter, an example of step S300 in which the financial company server 300 determines whether the loan is possible based on the affiliate store sales information, the loan request information, and the loan condition information will be described with reference to FIG. 5.

First, the financial company server 300 may extract at least one of a loan request amount, a loan period, a repayment method, and a card password from the loan request information received at step S200 (S320). When the card password is input in step S140, the financial institution server may verify by checking whether the set card password matches the card password extracted in step S320.

In addition, the financial company server 300 may extract credit information and expected withdrawal information corresponding to the card information from the loan condition information (S340).

The credit information may include a credit rating of the merchant, and may set a loan limit based on the credit rating of the merchant. For example, if the credit rating is low, only a portion of sales can be set as the loan limit.

Next, the financial company server may determine whether the loan is possible based on the extracted credit information, expected withdrawal information, loan request amount information, and merchant sales information (S360).

The financial company server may set a loan limit based on the extracted credit information, expected withdrawal information, and merchant sales information. First, the financial company server 300 may set the affiliate store revenue according to the affiliate store sales information received in step S200 as the loan limit. However, merchants may consider this if there is a problem with their creditworthiness or withdrawal from existing financial transactions. A loan limit may be set based on merchant sales, but if expected withdrawals exist, the expected withdrawal amount may be deducted from the loan limit. In addition, if the credit rating is low, the loan limit may be limited at a certain rate.

The financial company server 300 may determine whether the loan is possible by determining whether the loan request amount is less than or equal to the set loan limit. In addition, the financial company server 300 may determine a redemption period, a repayment method, an interest rate, and the like based on credit information, expected withdrawal information, and merchant sales information.

Referring back to Figure 2, if it is determined that the loan is possible, the financial company server 300 transfers the loan to the merchant account corresponding to the card information (S400).

Hereinafter, an example of an operation S400 in which the financial company server 300 transfers a loan to a merchant account corresponding to card information will be described with reference to FIG. 6.

If it is determined in step S300 that the loan is possible, the financial company server 300 may transmit the loan information to the credit card query machine 100 through the VAN server 200 (S420). In step S100, the merchant operator transmits the loan request information through the credit card query 100, but may not transmit all the loan conditions associated with the loan, there is also a loan condition determined by the financial company. For example, when a merchant transmits loan request information including a loan request amount, a loan period, and a repayment method, the financial company may determine the interest rate and transmit the loan information.

Next, when the credit card checker 100 receives the loan information in step S420, the merchant operator checks the loan condition information and inputs the consent information to the credit card checker 100 to provide the loan agreement information to the financial company server 300. It may be transmitted (S440).

Next, the financial company server 300 having received the loan agreement information at step S440 may transfer the loan to the merchant account corresponding to the card information at step S460. The financial company server 300 may transfer the loan amount according to the loan information transmitted in step S420 to the merchant account corresponding to the merchant information included in the card information received in step S200. The merchant account may be an account where the credit card authorization payment made through the VAN server 200 is deposited.

In addition, if it is determined in step S400 that the loan is possible, the financial institution server 300 transmits the authentication number to the portable terminal corresponding to the card information, and the credit card lookup 100 uses the financial institution server (VAN server 200). And transmitting the authentication number to 300).

In step S140, the credit card checker 100 may receive a password to authenticate the merchant operator, but may include a portable terminal authentication process to enhance security. For example, if it is determined that the loan is possible, the financial institution server 300 may transmit the authentication number to the portable terminal corresponding to the card information received in step S100. The credit card query device 100 may transmit the authentication number input by the merchant operator to the financial institution server 300 through the VAN server 200. The financial institution server may complete the authentication and execute the loan when the authentication number transmitted to the portable terminal and the authentication number received from the VAN server 200 match.

Referring back to FIG. 2, if it is determined that the loan is not possible in step S300, the financial company server 300 is modified based on the merchant sales information and the loan condition information to the credit card checker 100 through the VAN server 200. The loan information is transmitted (S500).

In the step S300 determines whether the loan is possible based on the merchant sales information, loan request information and loan condition information. For example, if the loan request amount included in the loan request information is greater than the loan limit, it is determined that the loan is not possible according to the loan request amount if the merchant has a problem in credit quality due to an existing financial transaction.

If it is determined that the loan request amount according to the merchant sales information in step S300 is impossible, the financial company server 300 is determined based on the merchant sales information and the loan condition information to the credit card query device 100 through the VAN server 200. Send the modified loan information. For example, if the merchant has 10 million won in sales, the amount is expected to be 3 million won, and there is no problem with the creditworthiness of the existing financial transaction, the modified loan information including the modified loan amount of 7 million won is limited. Can be.

Next, the credit card query device 100 that receives the modified loan information transmits the modified loan agreement information to the financial institution server 300 through the VAN server 200 (S600).

The credit card query device 100 displays the corrected loan information including the corrected loan amount received in step S500 on the display unit and transmits the corrected loan agreement information input by the merchant operator to the financial company server 300.

Next, the financial institution server 300 receiving the modified loan agreement information performs step S400. Specifically, since it is determined that the loan is available by receiving the modified loan agreement information in step S600, the financial institution server 300 may transfer the loan to the merchant account corresponding to the card information.

On the other hand, after the step S400 is performed, the VAN server may store the new sales information and the banking server associated with the merchant account and the financial company server to set the loan based on the new sales information. .

In the loan method according to the present invention, the financial company may provide a credit loan service within the limit of merchant sales based on the merchant sales information transmitted by the VAN server 200. At this time, since the credit for the loan is generated from the merchant sales information, the banking server and the financial company server related to the merchant account may perform the settlement on the basis of the new sales information stored by the VAN server. For example, when a merchant operator first uses the loan method according to the present invention, VAN may receive an agreement from the merchant operator for providing the merchant sales information for the settlement company to settle the loan.

 The financial company according to the present invention may be a credit card company. If the credit card company is a financial company, the credit card company may provide a stable loan service by securing a credit card payment for the loan payment to the merchant operator. In addition, financial companies according to the present invention is not limited to credit card companies, financial companies, including banks, savings banks, etc. in cooperation with VAN company and credit card companies repay the loan payment card credits using the merchant sales information provided from VAN company It is possible to provide a stable loan service by securing for the purpose.

Although embodiments of the present invention have been described in detail, these are merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the essential features of the present invention. This will be possible.

Therefore, the embodiments disclosed in the present specification are intended to illustrate rather than limit the present invention, and the scope and spirit of the present invention are not limited by these embodiments. It is intended that the scope of the invention be interpreted by the following claims, and that all descriptions within the scope equivalent thereto will be construed as being included in the scope of the present invention.

100: credit card checker
200: VAN server
300: financial company server

Claims (10)

In a loan method performed in a loan system including a credit card query to read a merchant loan card, a financial company server, a VAN server for relaying the credit card query and the financial company server and stores the merchant sales information,
(a) the credit card inquiry transmitting the loan request information including the card information read from the merchant loan card to the VAN server;
(b) the VAN server transmitting the affiliated store sales information corresponding to the loan request information and the card information to the financial company server;
(c) the financial company server determining whether the loan is possible based on the affiliated store sales information, the loan request information, and the loan condition information; And
(d) if it is determined that the loan is possible, the financial institution server transferring the loan to the merchant account corresponding to the card information;
Loan method comprising a. The method of claim 1,
(e) if it is determined that the loan is impossible, the financial institution server transmits the modified loan information determined based on the affiliated store sales information and the loan condition information to the credit card inquiry through the VAN server;
(f) the credit card inquiry device receiving the modified loan information transmitting the modified loan agreement information to the financial institution server through the VAN server; And
(g) the financial institution server receiving the modified loan agreement information, performing step (d)
Loan method characterized in that it further comprises. The method of claim 1,
The step (a)
(a-1) reading, by the credit card inquiry, the card information from the merchant loan card; And
(a-2) receiving, by the credit card inquiry, the loan request information including loan request amount information inputted by a merchant;
Loan method comprising a. The method of claim 3,
The loan request information comprises at least one of a loan period, repayment method, card password. The method of claim 1,
The step (b)
(b-1) extracting the affiliated store sales information based on the card information received in step (a); And
(b-2) transmitting the loan request information and the affiliated store sales information extracted in the step (b-1) to the financial company server;
Loan method comprising a. The method of claim 1,
The step (c)
(c-1) extracting loan request amount information from the loan request information;
(c-2) extracting credit information and expected withdrawal information corresponding to the card information from the loan condition information; And
(c-3) whether the loan is possible based on the merchant sales information, the loan request amount information extracted in the step (c-1), and the credit information and the expected withdrawal information extracted in the step (c-2); Judgment Step
Loan method comprising a. The method of claim 1,
The step (d)
(d-1) if it is determined that the loan is possible, the financial institution server transmitting the loan information to the credit card inquiry machine through the VAN server;
(d-2) transmitting the loan agreement information input by the merchant operator through the VAN server to the financial company server through the VAN server; And
(d-3) transferring the loan to the merchant account corresponding to the card information by the financial institution server receiving the loan agreement information;
Loan method comprising a. The method of claim 7, wherein
The loan information comprises a loan amount and at least one of interest rate, loan period and repayment method. The method of claim 1,
The step (d)
(d-1) if it is determined that the loan is possible, the financial institution server transmitting the authentication number to the portable terminal corresponding to the card information; And
(d-2) the credit card inquiry transmitting the authentication number to the financial institution server through the VAN server;
Loan method comprising a. The method of claim 1,
After the step (d) is performed, storing, by the VAN server, new sales information; And calculating, by the banking server and the financial institution server related to the affiliated store account, the loan based on the new sales information.

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