KR20170036661A - On-line small sum loan advertising system for postal code with loan unit - Google Patents

Abstract

The present invention relates to an online small sum loan advertising system using a postal code as a loan unit capable of loaning or borrowing a small amount of money between local residents who have the same postal code and are specified by the postal code by using the postal code as a loan unit so that a loan advertisement and a loan transaction are performed on a network on the basis of the postal code. The online small sum loan advertising system receives a loan advertisement and stores the loan advertisement in a loan information database on the basis of the postal code, provides loan information with the postal code which is the same as the postal code of a borrower for the borrower when the borrower requests a loan, and mediates a small loan between local residents in a local area set by the postal code by advantage of the postal code through a communication network on the preferential basis. The online small sum loan advertising system using a postal code as a loan unit comprises a member registration unit, a postal code providing unit, a loan information receiving unit, a borrowing information receiving unit, a loan mediation unit, and a control unit. Therefore, the online small sum loan advertising system do not need to give or receive complicated loan requirement documents because the borrower and the bankroller who live in the same neighborhood know each other well through reputation, can allow the borrower and the bankroller to easily directly meet each other, and can induce neighbors to obtain a loan at middle or low interest rates rather than high interest rates due to open market competition.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an on-line micro-

The present invention relates to an on-line lending advertisement system in which a postal code is assigned to a postal code assigned to a small area such as a neighborhood, an apartment complex or a building, In particular, the present invention relates to an on-line micro-loan advertisement in which a postal code and a loan transaction are made on a network based on a postal code so that a small amount can be borrowed and borrowed between neighbors residing in the same postal code area ≪ / RTI >

Those who are in need of money usually use loan products that are sold by financial institutions such as banks. The financial institutions that sell these loan products lend certain funds to users of the loan products and charge interest To earn money.

The interest rate, which is the ratio of the interest on the principal in these loans, is determined by the agreement between the financial institution and the user within the statutory standard, taking into account the procurement costs, intermediate costs and uncollected rate. To the financial institution.

However, when making a loan from a financial institution, the preparation and procedure of the supporting documents for completing the loan qualification are complicated because the loan is determined based on the user's credit or property in preparation for the default of the user's default, Are often difficult to obtain loans from financial institutions.

As a result, ordinary people who have not crossed the thresholds of banks' lenders are being driven by savings banks, lenders or bond companies with high interest rates, and there is an urgent need for high interest or low interest loan markets for ordinary people.

In the past, in traditional villages, it was common to lend grain at the time of spring, to repay interest with interest in autumn, or to borrow money from a rich man and repay it with high interest rates.

As the population gradually grew and the living environment became wider, the bank has resolved the information asymmetry between the fund and the borrower, and the recovery of the delinquent has been replaced by a pattern that the special collecting company replaces.

In the past, it has been common to place advertisements in free daily information such as daily newspapers, flea markets, or crossroads in the form of an advertisement called "money donation" As a result, the form of newspaper advertisement is almost disappearing. However, the criteria for the borrower to choose where to borrow money are the convenience and accessibility, which is convenient to use with the interest rate. However, TV and subway ads targeting the whole country may be inconvenient when using real loans.

In addition, loans are borrowers, as is the case with a kind of commodity purchase. Until now, the lending practice was a typical supplier market where the financial institution unilaterally determines the interest rate.

In the case of loans, financial institutions depend mechanically on credit ratings issued by credit information agencies. However, there is a risk of failing to manage multifaceted risks by not knowing borrowers' individual evaluations other than documents, neighborhood reputation at all.

On the other hand, in the social safety net dimension, the government supports the weak economists as various financial products with low interest rates such as smile finance and sunshine, but it is not from the market and is far from fundamental measures, And it is a conservative form of management.

In order to regain the economic weakness of the social justice (5,440,000 or less), the interest rate should be lower than that of the other classes, but the low class is being neglected by the institutional bank and is subject to high interest rates of over 30% It borrows the bonds of high interest rate.

Patent Disclosure 10-2007-0091896 (Published Dec. 12, 2007)

The present invention has been made in view of the above circumstances, and it is an object of the present invention to enable a small amount of money loan to be intermediated through a communication network among neighbors residing in an area set by the same postal code, Because of the intimacy of the borrower and the borrower because they know each other well by rumors, they do not need to exchange documents with complicated loan qualifications, they are easy to access even in face-to-face meetings, The present invention is directed to provide an on-line micro-loan advertisement system in which a postal code that can induce a loan is a loan unit.

In order to solve the above problem, an on-line lending advertisement system in which a postal code of the present invention is set as a lending unit of the present invention is characterized in that a money main terminal desiring to make a money loan and a borrower terminal desiring to borrow money are connected to a lending advertisement server Wherein the loan advertisement server comprises: a membership subscription means for receiving customer information including an address from the fund issuance terminal and the borrower terminal and storing the received customer information in a member database; A postal code providing means for retrieving and providing a postal code corresponding to an address to the member registering means; A loan information receiving means for receiving loan information including a desired amount of loan and an interest rate from a funding terminal wishing to make a money loan and storing the same in a loan information database on the basis of a postal code in cooperation with the postal code providing means; Upon receipt of the borrowing application information from the borrower terminal desiring money borrowing, checks the postal code on the basis of the membership information of the borrower and, based on the checked postal code, Borrowing information receiving means for retrieving loan information to which the loan information belongs and providing the information to the borrower terminal; A loan mediation means for receiving loan intention information from a borrower terminal and transferring the loan finishing information to the fund main terminal to complete a loan transaction and storing the loan finishing history in a loan mediation database; And control means for controlling a lending transaction of the lending advertisement server.

Wherein the borrowing information receiving means retrieves the neighboring postal code through the postal code providing means when the borrowing application information is not in the addressee postal code of the borrower and retrieves the loan information belonging to the neighboring postal code in the borrowing information database And the like.

The loan mediating means is configured to store the borrower information in the borrowing mediator database to prevent borrowers from simultaneously borrowing multiple borrowings, and to provide the borrower information when the borrower intends to provide the borrower information.

The loan information database is distributed to the franchise franchisees based on the zip code or address of a predetermined area, and the operation result is converted into a database based on the franchise franchisees of the franchisees, And a franchise database that stores the franchise database.

The on-line loan advertisement system having the above-mentioned postal code of the present invention as a loan unit mediates a loan between a fund holder and a borrower residing in the same postal code so that the relationship between the fund holder and the borrower The loan can be made without complicated loan qualification documents. Since the fund owner and the borrower live in the adjacent area, it is easy for them to meet each other at a convenient time to further adjust the loan period and the interest rate. Considering that it is a neighborhood neighbor or a neighbor's cousin, it is advantageous that the loan is made at low interest rate rather than high interest rate.

1 is a network configuration diagram of the present invention,
FIG. 2 is a flowchart illustrating an on-line microcredit advertisement method using a postal code according to the present invention;
3 is a flowchart illustrating a method of operating a franchise according to the present invention.

For a better understanding of the present invention, a preferred embodiment of the present invention will be described with reference to the accompanying drawings. The embodiments of the present invention may be modified into various forms, and the scope of the present invention should not be construed as being limited to the embodiments described in detail below. The present embodiments are provided to enable those skilled in the art to more fully understand the present invention. Therefore, the shapes of elements and the like in the drawings can be exaggerated to emphasize a clearer description. It should be noted that in the drawings, the same members are denoted by the same reference numerals. Further, detailed descriptions of well-known functions and configurations that may be unnecessarily obscured by the gist of the present invention are omitted.

FIG. 1 is a network configuration diagram of an on-line lending advertisement system in which a postal code is a loan unit according to a preferred embodiment of the present invention.

As shown in FIG. 1, an on-line lending advertisement system, in which a postal code is a loan unit, is a system in which a person who borrows a small amount of money and wants to receive a predetermined interest or a borrowed person (hereinafter referred to as a fund fund) (10), a borrower terminal (20) to which a person who wants to borrow money with a predetermined interest and borrows money or borrowed person (hereinafter referred to as "borrower") accesses the network, and the borrower A loan advertisement server 30 for intermediating a loan by providing fund-raising information of the same fund as that of the borrower's address or a neighboring postal code, and a loan advertisement server 30 for distributing the funds to the borrower terminal 20 and the loan advertisement server 30, And a communication network 40 that allows the user to post the loan information and conduct the loan transaction by connecting to the network.

The main terminal 10 and the second terminal 20 may be composed of a wired device or a wireless device and the communication network 40 may be a public network such as a wired / wireless Internet or a dedicated network. The present invention is not limited to a communication device or a communication network.

Hereinafter, the operation of the loan advertisement server 30 for posting the loan advertisement through the borrowing information received via the borrower terminal 20 and the borrowing information received through the borrower terminal 20 and mediating the loan transaction will be described in detail do.

The loan advertisement server 30 basically performs a loan advertisement and a loan transaction on the basis of a postal code.

To this end, the membership subscription means 31 provided in the loan advertisement server 30 checks whether the subscription is to be made when the fund stock is accessed through the fund main terminal 10 to publish the loan information, If the borrower accesses the borrower through the borrower terminal 20 and intends to apply for borrowing, he or she confirms whether or not the borrower is a member, The user is required to register and receive a postal code or address as one of the essential requirements for membership. The member registration information received from the fund holders and the car residents is stored in the member database (DB) 51.

In addition, the user can receive, as a contact, a mail address to receive e-mail or a telephone number to receive a text message, and store the e-mail address in the member database 51.

In addition, when the address information is input from the fund management terminal 10 or the borrower terminal 20, the postal code providing means 32 may provide the postal code corresponding to the corresponding address to the funding terminal 10 or the borrower terminal 20, (20) to receive the correct address information together with the postal code.

In order to perform a lending transaction, both a fund owner who wishes to place a loan and a borrower who wishes to borrow a member must first register the member. Particularly, when registering a member, ).

When the funder logs in through the membership subscription means 31 and applies for a money loan, he / she receives the loan information through the loan information receiving means 33. The loan information may be, for example, a loanable amount, a loan interest rate, a loanable period, a method of providing a loan, and the like. In this case, it is highly likely that borrowers who search for borrowers by searching for borrower information by searching for borrower information, present their interest rates or low interest rates rather than high interest rates in view of the fact that they are neighbors in the same area with the same postal code and open markets. You can borrow your spare money and use it for your investment.

In the case where a small amount of extra money is to be rented and to be retired as seen from the fund owner's side, when the advertiser is placed on the loan advertisement server 30 and advertised, the people living in the area having the same post code search as described below, It is possible to achieve the advertising effect with the low cost advertisement cost. In this way, it is possible to carry out loan advertisement on line online in correspondence with the local martial arts information magazine which specializes only in advertisement.

The loan information is stored in the loan information database 52 on the basis of the fund-state postal code that is confirmed when the fund owner logs in, thereby constructing various fund-raising loan information as a database.

When the borrowing information receiving means 35 receives the borrowing application information from the logged in borrower terminal 20, the borrowing information receiving means 35 searches the member database 51 through the member joining means 31 and stores the postal code And retrieves loan information belonging to the corresponding postal code in the loan information database 52 on the basis of the confirmed postal code, and provides the retrieved loan information to the borrower terminal 20.

On the other hand, the borrowing information receiving means 35 receives the borrowing application information from the borrower terminal 20 and receives the borrowing information from the borrowing information database 52 on the basis of the borrower's postal code, If it is determined that there is no loan information belonging to the postal code, the borrower searches for the postal code of the area adjacent to the postal code applied by the borrower through the postal code providing means 32, Retrieves loan information belonging to the adjacent postal code and provides it to the borrower terminal 20.

The loan information provided from the borrowing information receiving means 35 to the borrower terminal 20 may be a loanable amount registered by the fund, a loan interest rate, a loanable period, a loan providing method, and the like. The loan information can be provided in ascending or descending order with respect to the loanable amount, the loan interest rate, and the loanable period, and can be selectively classified according to a request of the borrower terminal 20 side. Accordingly, the borrower can easily retrieve the loan information showing the optimal loan condition suitable for the borrower. Likewise, for the method of providing the loan, the method of providing such as online transfer or face-to-face transaction is selected so that it can be traded in a way agreed by both parties.

In addition, when the funder inputs the loan information and registers it in the loan information database 52, it is possible to register that the borrower must provide the guarantor or the collateral for the safety device of collecting the loan, and provide the loan information to the borrower It is also possible to provide information on the safety device so that only a borrower who can satisfy the safety device can receive the loan.

If the borrower confirms the loan information received from the borrowing information receiving means 35 of the loan advertisement server 30 via the borrower terminal 20 and there is loan information in which the borrower indicates the desired loan condition, And transmits the borrowing intention information to the loan advertisement server 30.

The borrowing intention information of the borrower is received by the loan intermediation means 34 of the loan advertisement server 30 and the loan intermediation means 34 transmits the loan application form required for the loan agreement to the borrower terminal 20, 20 to the loan intermediation database 53 and notifies the fund owner who registered the loan information that there is loan intention information. Such borrowers' intention to borrow information will be notified by e-mail or text message to the e-mail address or telephone number stored by the fund owner at the time of membership registration.

When the borrowing intention information of the borrower is notified to the funding terminal 10, the borrowing information used by the borrower has been previously retrieved from the loan intermediation database 53, for example, information on the number of borrowings, the amount of the borrowed money, . This is to prevent the risk that the borrower will be unable to repay the borrowed funds from multiple funds at the same time and to provide the fund owner with basic information to judge the borrower's borrowing situation and to judge whether or not to borrow.

Thereafter, according to the transaction method agreed upon by the funder and the borrower, the loan transaction can be performed through online account transfer or face-to-face transaction.

In particular, when the loan transaction for the registered loan information is completed, the fact that the loan transaction has been completed is registered from the fund company and stored in the loan intermediation database 53. The borrowed loan information can be prevented from being searched when the borrower searches for loan information for borrowing, thereby preventing excessive information from being provided.

In addition, it is also inputted whether or not the loan has been normally collected when the loan period has ended after the completion of the loan and stored in the loan intermediation database 53, so that if the loan is confirmed to be a malicious borrower who does not repay the loan within the loan period, And to allow other funders to identify it, thereby preventing malicious loans.

 When the loan ad server 30 receives the information confirming that the loan transaction has been completed between the fund and the borrower as described above and then confirms that the loan has been normally exchanged, the loan ad server 30 transmits the information to the point database 54, Points are added and stored. The points can be utilized in various ways such as using the benefits necessary for the use of the loan advertisement server 30 and paying out with a gift or the like.

In addition, the point database 54 may perform a point-by-point event to drive a point to a specific person. The point-to-point cycle event informs the fund owner or the borrowers who have a point that the point-to-point event is performed by sending an e-mail or a text message, receives the applicant to participate in the event, selects the applicant It is an event that attracts applicants who participated in the event. Participants who are able to participate in the event have the same points. In this case, the chance to be selected can be given to each participant in the same way. In this case, the opportunity to be selected may be differentiated according to the proportion of points presented.

Next, a method of operating a franchise of an on-line microcredit loan advertisement system using a postal code according to the present invention will be described with reference to FIG.

The loan advertisement server 30 is arranged to perform loan brokerage between a fund and a borrower residing in the same postal code based on the postal code, and receives goodwill related to one or more postal codes and receives a subscription fee and sells the goodwill And stores the membership information in the franchise database 55. [

Thereafter, when the loan transaction is concluded between the fund and the borrower on the basis of the zip code prevailing on the franchise, the related operation results are stored in the franchise database 55 on the basis of the franchisees.

Accordingly, it is possible to manage the performance of the franchisees and distribute them to the franchisees when the business gains are generated.

Although the databases 51 to 55 are described as being separated for each data type for the sake of understanding, they can be constructed in the same database. The databases 51 to 55 include a membership subscription unit 31, a postal code provision unit 32, The means 33, the loan intermediation means 34 and the borrowing information receiving means 35 and the like input and output data in cooperation with the databases 51 to 55 under the control of the control means 36. [

FIG. 2 is a flowchart illustrating an on-line microcredit advertisement method using a postal code according to the present invention.

As shown in FIG. 2, a borrower who wishes to borrow money from a fund or a money to borrow money through the membership subscription means 31 is required to provide a postal code or address as one of the requirements for membership, and an email address or text message A telephone number to be received, and the like, and stores it in the member database 51 at an initial stage.

In addition, when a member-registered customer inputs only an address without knowing a postal code of his / her address, the postal code number providing means 32 interlocks with the postal code providing means 32 to provide the postal code information for the address to provide the borrower with mail Selecting the number and inputting the number to the member database 51.

The borrower who desires to place a loan or desires to borrow in this manner performs the step of first receiving the membership information on the basis of the postal code corresponding to the address of the user and storing it in the member database 51.

Thereafter, when the funder logs in through the membership subscription means 31 and makes a loan application request for a money loan, the step of receiving the loan information through the loan information receiving means 33 is performed. At this time, the received loan information may be, for example, a loanable amount and a loan interest rate, a loanable period, and a method of providing a loan.

The loan information is stored in the loan information database 52 on the basis of the fund-state postal code that is confirmed when the fund owner logs in, thereby constructing various fund-raising loan information as a database.

Meanwhile, the borrower accesses the loan advertisement server 30 and logs in to make a borrowing application. At this time, the borrowing information receiving means 35 performs a step of receiving the borrowing application information from the borrower terminal 20 logged in, The borrower checks the postal code of the borrower stored through the membership subscription means 31 and retrieves the loan information belonging to the corresponding postal code from the loan information database 52 on the basis of the confirmed postal code, To the terminal (20).

The borrowing information receiving means 35 receives the borrowing application information from the borrower terminal 20 and retrieves the loan information belonging to the borrower's postal code confirmed through the member addition means 31, If it is determined that the borrower does not exist, the borrower searches for the postal code of the area adjacent to the postal code applied by the borrower through the postal code providing means 32, and then, in the borrowing information database 52, And provides it to the borrower terminal 20.

The loan information provided from the borrowing information receiving means 35 to the borrower terminal 20 may be a loanable amount registered by the fund, a loan interest rate, a loanable period, a loan providing method, and the like. In accordance with a request from the borrower terminal 20, the loan information provided to the borrower terminal 20 can be classified into a loanable amount, a loan interest rate, and a loanable period in ascending or descending order and selectively provided have. Accordingly, the borrower can easily retrieve the loan information showing the optimal loan condition suitable for the borrower.

If the borrower registers a safeguard which the borrower must provide the guarantor or the collateral at the time of registering the fund stock loan information in the loan information providing step provided to the borrower as described above, the information about the safety apparatus is also provided.

If the borrower has provided the borrower with the loan condition desired by the borrower after providing the information on the borrower in such a manner, the borrower intends to select the borrowing information to transmit the borrowing intention information, and in the loan advertisement server 30, Lt; RTI ID = 0.0 > 34 < / RTI >

At this time, the loan intermediation means 34 can transmit the loan application form necessary for the loan arrangement to the borrower terminal 20 and receive all the information to be described in the loan application form from the borrower terminal 20. [

When the loan intermediation means 34 receives the borrowing intention information from the borrower terminal 20, the borrowing intention information is stored in the loan intermediation database 53 and the borrowing intention information is notified to the fund investor who registered the loan information . Such borrowers' intention to borrow information may be notified by e-mail or text message to the e-mail address or telephone number stored by the fund owner at the time of membership registration.

In the step of informing the borrower of the borrowing intention information to the fund owner, information on the number of borrowing times, the amount of borrowing money, the amount of uncollected borrowing money, etc., is retrieved from the loan intermediation database 53 and provided together with the borrowing information used by the borrower Can be performed. This is to prevent the risk that the borrower will be unable to repay the borrowed funds from multiple funds at the same time and to provide the information to the fund owner to judge the borrower's borrowing situation and to judge whether or not to borrow.

Thereafter, steps are taken to make the loan transaction through online account transfer or face-to-face transaction according to the transaction method agreed between the fund owner and the borrower.

When the loan transaction for the registered loan information is completed, the fact that the loan transaction is completed is registered in the loan intermediation database 53 from the fund. This prevents the duplicate borrowing application for the loan information that has been completed and prevents the borrower from being searched when retrieving the loan information for borrowing, thereby preventing excessive information from being provided.

Also, it is preferable to input whether the loan has been normally collected when the loan period has ended after the completion of the loan, and to store it in the loan intermediation database 53. This restricts the ability to carry out further lending transactions if it is identified as a malicious borrower who does not reimburse the loans within the loan period, and also allows other borrowers to identify them and prevent malicious loans.

 After the loan transaction is concluded between the fund and the borrower as described above, the loan advertisement server 30 performs a step of checking whether the loan has been normally converted, and transmits the same to the point database 54 to be used for the fund and the borrower A step of adding and storing points according to the performance is performed. The points can be used in various ways such as paying out the benefits necessary for the use of the loan advertisement server 30, such as a gift or the like.

In addition, the point database 54 may perform a point-by-point event to drive a point to a specific person. The point-to-point cycle event informs the fund owner or the borrowers who have a point that the point-to-point event is performed by sending an e-mail or a text message, receives the applicant to participate in the event, selects the applicant It is an event that attracts applicants who participated in the event.

In order to participate in the event, participants are allowed to participate in the event at the same point. In this case, the opportunity to be selected can be given to each participant in the same way. Participants' points are presented individually by the participants, and in this case, the opportunity to be selected may be given differentially according to the proportion of points presented.

In addition to performing the on-line microcredit loan advertisement using the above-mentioned zip code, the franchise operation step can be performed.

In the franchise operation step, the loan advertisement server 30 performs a franchise affiliation step of registering a person who intends to perform a franchise up with the loan advertisement business model based on the postal code as a franchisee through the membership subscription means 31 And stores the franchise affiliation information in the franchise database 55. [

Thereafter, when the loan transaction is concluded between the fund and the borrower on the basis of the postal code sold as a franchise, the related operation result is stored in the franchise database 55 on the basis of the franchisee.

Accordingly, the performance of the franchisees by the franchisees is managed according to the predetermined period, and the franchisees are distributed to the franchisees when the business gains occur.

As described above, in the on-line micro-loan advertisement system using the postal code according to the present invention, it is possible to achieve the effect of advertising that a predetermined loan transaction is performed by exchanging information on loan information between a fund holder having the same or nearby postal code and a borrower have.

In addition, the operating profit can be distributed by selling the loan goodwill to one or more zip code units for the zip code carried out in the on-line microcredit loan advertisement system using the zip code according to the present invention.

The embodiments of the on-line microcredit loan advertisement system using the postal code of the present invention described above are merely illustrative, and those skilled in the art will appreciate that various modifications and equivalent embodiments can be made without departing from the scope of the present invention. You can see that it is possible. Therefore, it is to be understood that the present invention is not limited to the above-described embodiments. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims. It is also to be understood that the invention includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention as defined by the appended claims.

10-Funding terminal, 20-Borrower terminal,
30 - loan ad server, 31 - membership subscription means,
32 - Zip code providing means, 33 - Loan information receiving means,
34 - loan intermediation means, 35 - borrowing information receiving means,
36 - control means, 40 - communication network,
51 - membership database, 52 - loan information database,
53 - loan intermediation database, 54 - point database,
55 - Franchise database.

Claims (4)

The loan funding server and the borrower terminal desiring to borrow money access the loan advertisement server through a communication network to perform a loan transaction between the fund investor and the borrower,
Member receiving means for receiving customer information including an address from the funding terminal and the borrower terminal and storing the received customer information in the member database;
A postal code providing means for retrieving and providing a postal code corresponding to an address to the member registering means;
A loan information receiving means for receiving loan information including a desired amount of loan and an interest rate from a funding terminal wishing to make a money loan and storing the same in a loan information database on the basis of a postal code in cooperation with the postal code providing means;
Upon receipt of the borrowing application information from the borrower terminal desiring money borrowing, checks the postal code on the basis of the membership information of the borrower and, based on the checked postal code, Borrowing information receiving means for retrieving loan information to which the loan information belongs and providing the information to the borrower terminal;
A loan mediation means for receiving loan intention information from a borrower terminal and transferring the loan finishing information to the fund main terminal to complete a loan transaction and storing the loan finishing history in a loan mediation database; And
And control means for controlling a lending transaction of the lending advertisement server, wherein the postal code is a loan unit.
The method according to claim 1,
Wherein the borrowing information receiving means retrieves the neighboring postal code through the postal code providing means when the borrowing application information is not in the addressee postal code of the borrower and retrieves the loan information belonging to the neighboring postal code in the borrowing information database The system of claim 10, wherein the postal code is a credit unit.
The method according to claim 1,
Wherein the loan intermediation means is configured to store the borrower information in the borrowing intermediary database together with borrowing intention information to provide the borrowing intention information to the borrower in order to prevent borrowers from simultaneously borrowing multiple borrowing information. On-line loan advertisement system.
4. The method according to any one of claims 1 to 3,
The loan information database is distributed to the franchise franchisees based on the zip code or address of a predetermined area, and the operation result is converted into a database based on the franchise franchisees of the franchisees, And a franchise database that stores the postal code as a credit unit.

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