KR100442812B1 - A bond repayment transit system on the base of Internet and transitting method thereof - Google Patents

Abstract

The present invention relates to a method for relaying a debt repayment between a creditor and a debtor on the basis of an internet network. In the present invention, when a debtor (member) applies for repayment of a debt of a specific creditor among the overdue loans held by creditors, the relevant credit center is applicable. By managing and analyzing the application details by creditor through e-mail and DBMS, the appropriate creditors are selected and repaid after negotiation, so that the debtor (member) discounts his debt at a discounted amount without going through complicated procedures for repayment of the debt. By helping to repay, it is possible to quickly recover credit and release bad trades, and also lead to early settlement of credit society.

Description

A bond repayment transit system on the base of Internet and transitting method

The present invention relates to a method for relaying a debt repayment between a creditor and a debtor on the basis of an internet network, and in particular, when a plurality of debtors (members) wish to repay the debt individually, an appropriate creditor for repayment requirements of the debt Internet-based network that allows the debtor (member) to handle the repayment of his debts in a simple and reasonable amount by selecting and providing repayment negotiations for the creditor to the debtor (member). It relates to a debt repayment relay system and a relay method.

More specifically, from the point of view of the debtor, the individual debtors scattered in each region are concentrated in one place, and as debtors negotiate debt repayment through the bond office, the debtor's status is improved and the debtor's intention to repay the majority of debtors is reduced. In addition, the creditors will participate in sound economic activities early to create new value-added, and creditors will be able to reduce the large amount of bad debts due to repayment and special profits in the case of amortization. The present invention relates to an internet network-based bond repayment relay system and a relay method that can reduce labor and time economic costs associated with reorganization.

In recent years, the process of handling bad debts is a trend that each financial institution holds unsecured bonds held by creditors for bad debts or sells them to foreign funds and domestic restructuring firms.

However, in this case, the sale for the early reorganization of bad debts requires excessive expense due to the value calculation at the time of sale, and it is sold to foreigners mainly because of the insufficient formation of the domestic market to receive the price of the sale. Many losses have occurred economically.

Therefore, in order to prevent such creditors and national economic losses, the necessity of an intermediary for bad debts has emerged.

In addition, the recent national policy is improving the system to relieve the creditors, such as shortening the sanction period for creditors, and demands remedies for creditors and other bad debtors.

Therefore, the present invention has been proposed to solve various problems arising during the processing of the existing bad debts as described above,

An object of the present invention is to select an appropriate creditor for the repayment requirements of the bond when a large number of debtors (members) wish to repay the debt individually, and collectively negotiate repayment for the creditors to the debtors (members). In this regard, the present invention provides an internet network-based bond repayment relay system and a relay method that enable the debtor (member) to handle the repayment of his debts in a simple and appropriate amount.

Another object of the present invention is to reduce debts and economic burden by focusing on individual debtors scattered in each region from one point of view and improving debtor's status as a debtor through debt repayment negotiations, and suggesting a large number of debtors' repayments. In order to create new value-added by early participation in sound economic activities by releasing creditors, creditors can realize a large amount of bad debts due to repayment and special profits in the case of amortization. It is to provide an internet network-based bond repayment relay system and a relay method that can reduce labor and time-economic costs associated with resolving bad debts.

It is still another object of the present invention to provide an internet network-based bond repayment relay system and a method of relaying a debt that has been exempted through a bad debt relay system to facilitate repayment of a debt. have.

1 is a block diagram showing the configuration of an Internet network-based bond repayment relay system according to the present invention,

2 is a conceptual diagram showing a bond relay method in the present invention,

3 is a flowchart showing a method for relaying a repayment of a bond based on an internet network according to the present invention;

FIG. 4A is a flowchart showing an embodiment of a debtor registration process in FIG. 3, FIG. 4B is a flowchart showing an embodiment of a debt information and repayment application process in FIG. 3, and FIG. 4C is a check and notification of bond information in FIG. 4 is a flowchart illustrating an embodiment of a negotiation agency selection process in FIG. 3, and FIG. 4E is a flowchart illustrating an embodiment of a repayment amount notification process in FIG. 3, and FIG. 4F. 3 is a flowchart illustrating an embodiment of a repayment deposit confirmation and bad credit release process in FIG. 3,

Figure 5a is a state diagram of the main page screen in the present invention, Figure 5b is a bond (debt (the screen state diagram when searching for information, Figure 5c is a screen state diagram when registering / updating / deleting bond (debt) information, Figure 5d is a bond information check) And a screen state diagram at the time of notification, and FIG. 5E is a screen state diagram at the time of notification of redemption amount.

<Explanation of symbols for the main parts of the drawings>

10 ..... Bond repayment relay management system

20 ..... Interface

30 ..... Database management unit

50 ..... Information database QN

70 ..... Email Management Unit

90 ..... Web Server CPU

100 .... Web Server

The present invention for achieving the above object, the client-side server 110 of the central processing unit, input device, output device so that the debtor becomes a customer to be connected to the outside through the Internet network; In the Internet network-based bond repayment relay system consisting of a web server 100 is provided to make a two-way connection with the client-side server 110, the web server 100 is transmitted from the bond repayment relay management unit Web server CPU 90 that interfaces HTML (Hyper Text Markup Language) data with the debtor (member) and transmits user events and data transmitted from the debtor (member) to the debt repayment relay management unit. Wow; Interface unit 20 for connecting the client-side server 100 and the web server CPU 90 through the Internet to perform the debtor (member) mail interface, debtor (member) interface, administrator interface functions Wow; An e-mail management device unit 70 connected to the interface unit 20 so as to deliver bond (debt) information confirmation data or bond repayment progress information data to a mail account of a specific debtor (member); The e-mail management unit 70 and the web to perform the debtor (member) information management function, bond (debt) information management function, negotiation agency selection management function, operation information management function, bond repayment relay function A bond repayment relay management device 11 connected to the server CPU 90; A debt repayment relay management module unit 10 which is provided to store debtor (member) information, bond (debt) information, negotiation agency information, operation information, and the like, and is connected to the debt repayment relay management unit 11; Inquiry / registration / update / deletion of debtor (member) information, debt (debt) information, debt repayment progress information, operation information, and secure storage and management of data independently, the bond repayment relay management module unit (10) Database management device unit 30 is connected to; Characterized in that it comprises a database unit 50 is provided to store the debtor (member) information, debt (debt) information, debt repayment progress information, operation information, and the like connected to the database management unit 30 A debtor (member) accesses the web server 100 from a client-side server 100 connected to the web server 100 and the internet network, and finishes membership registration. A first step of providing an input environment for storing information and storing the input information to complete registration; After the execution of the first step, the creditor (member) provides the input environment of the bond (debt) information that can apply for repayment of the bond, saves the input information, and saves the calculated value according to the stored value again, and completes A second step of becoming; A third step of notifying a debtor (member) exempt through the client-side server 110 of the determination status of the repayment of the bond confirmed according to the value calculated and stored in the step; A fourth step of selecting a negotiation agency for repayment of a bond by the repayment repayment relay management device 11; A fifth step of confirming whether or not a repayment decision is made according to the negotiation with the negotiation agency selected in the step and whether there is a pre-input value for the repayment amount; A sixth step of notifying the debtor of the repayment amount with respect to the value determined in the step through the corresponding client-side server 110; After the execution of the step, the debt repayment relay management unit 11 determines whether there is input information according to the repayment details made by the debtor, and generates a value for the authentication of the credit release as the input of the information is confirmed. The present invention provides an internet network-based bond repayment relay method comprising a seventh step of storing the same. Hereinafter, a preferred embodiment of the present invention according to the above technical concept will be described in detail with reference to the accompanying drawings. Same as

1 is a block diagram showing the configuration of an internet network-based bond repayment relay system according to the present invention.

Reference numeral 50 denotes an information database unit (D / B) in which debtor (member) information, bond (debt) information, bond repayment progress information, and operation information are stored.

The information database unit 50 is a debtor (member) information database unit 51 that stores personal information and usage information of the debtor (member), such as a debtor (member) resident registration number, address, contact information, mail account, login information, and the like. ) And debt (debt) information data that stores information on the debt (receivable name, debt amount, date of debt, whether to apply for reimbursement, etc.) that requires the debtor (member) to repay the debt. A debt repayment progress information database that stores sequential information on the progress of repayment of the debtor (member) that the debtor (member) wants to repay among the debtor (member) of the debtor (member) The unit 53 and the basic setting data related to the repayment repayment relay and the information related to the various interface units 21 to 23 (for example, interface image information, advertisement information, number of views, etc.) are stored. It consists of information data base unit 54.

Further, reference numeral 30 denotes data of the debtor (member) information database 51, the debt (debt) information database 52, the debt repayment progress information database 53, the operation information database unit 54. Inquiry / registration / update / deletion, it represents the database management device that independently performs safe storage and management of data.

Reference numeral 10 denotes a debt repayment relay management unit that performs debtor (member) information management function, debt (debt) information management function, negotiation agency selection management function, operation information management function, bond repayment relay function.

Here, the debt repayment relay management device unit 10 is a database management device unit 30 when a member registration event, a login event, and the like occur from the debtor (member) interface unit 22 and the manager interface unit 23 described later. By requesting, the registered / updated / extracted data stored in the debtor (member) information database unit 51 is transferred, and the credit / loan information that has been registered / updated / extracted is transferred to the debt repayment relay management device unit 11. When a debtor (member) information management module 12, which performs a role to play a role, a bond (debt) registration event, a repayment application event, etc. occur from the debtor (member) interface unit 22 and the manager interface unit 23 The database management device unit 30 requests / registers / updates / extracts and registers / updates / extracts the data stored in the bond (debt) information database unit 52 and the bond repayment progress information database unit 53. Extraction Transfer the completed credit / loan information to the bond repayment relay management unit 11 and check the data of the bond (debt) information database unit 52 registered in real time to relay the undetermined data to the bond repayment relay. In the case where a bond (debt) information management module 13 to be transmitted to the management unit 11 and the negotiation agency selection event occurs at the present time from the manager interface unit 23, the database management unit 30 is requested. After retrieving the data without errors and requesting repayment from the debt (debt) information database unit 52, and performing a series of operations to select a negotiating agency in accordance with the repayment criteria for each credit institution input from the manager, Negotiation agency selection management module 14 for delivering bond data to the bond repayment relay management unit 11, the database management server 30 and the bond repayment relay management chapter. An operation information management module 15 for managing the operation information database unit 54 in association with the unit 11 and managing state information, the debtor (member) information management module 12, and debt (debt) information; The database management device unit 30 is systematically controlled through the management module 13, the negotiation agency selection management module 14, and the operation information management module 15, and the debtor (member) information database unit 51 is provided. , The debt (debt) information database unit 52, the debt repayment progress information database unit 53, the operation information database unit 54 and the like so as to efficiently extract the data, and the extracted data to be described later The postal management device unit 70 and the web server CPU 90 are composed of a bond repayment relay management device 11 for converting a form of data to interface with various interface units 21 to 23.

Also, reference numeral 20 denotes an interface unit that performs a debtor (member) mail interface, a debtor (member) interface, and an administrator interface function.

The interface unit 20 checks the bond (debt) information of the party provided by the debtor (member) through the mail account provided by the electronic mail management unit 70 or the specific mail account of the debtor (member), the bond Various events arising from the debtor (member) mail interface unit 21, which serves to promptly notify the progress status after application for repayment of (debt) and any user (including the debtor (member)) through the Internet. And transmits the data to the bond repayment relay management unit 11 via the web server CPU 90, and transmits the data transmitted from the bond repayment relay management unit 11 through the web server CPU 90. It has two types of debtor (member) interface unit 22, which serves to deliver to the user, and a web page form and a general client application. To the manager interface unit 23 which directly transmits a credit card or the like to the bond repayment relay management unit 11 or to the bond repayment relay management unit 11 via a web server CPU 90. It is composed.

In addition, reference numeral 90 transmits the HTML (Hyper Text Markup Language) type data transmitted from the debt repayment relay management device unit 10 to the debtor (member) interface unit 22, or debtor (member) interface unit 22 Web server that transmits the user's events and data transmitted from) to the bond repayment relay management unit 11, and independently manages the simultaneous access and requests of multiple users on the Internet. Represents a CPU.

In addition, reference numeral 70 denotes an e-mail for transmitting the bond (debt) information confirmation data or the bond repayment progress information data transmitted from the bond repayment relay management unit 11 to the e-mail account of a specific debtor (member). ) Indicates the management unit.

2 is a conceptual diagram illustrating a bond repayment relaying service using a bond repayment relay device according to the present invention.

1) The repayment relay device advertises the repayment relay device through mass media (newspaper, Internet, etc.).

2) The debtor applies for the debt repayment relay to the debt repayment relay.

3) The debt repayment relay device is classified by creditors.

4) Select a negotiating bank.

5) Conduct consultation on repayment with selected financial institutions.

6) The bond holder or bond bank determines the amount of repayment and informs the repayment relay.

7) The debt repayment relay system notifies the debtor of the repayment amount.

8) The debtor deposits the repayment to the bank within the set date.

9) The creditor (bank) releases the bad credit and notifies the debtor.

Figure 3 is a flow chart showing a bond repayment relay method according to the present invention.

As shown here, the step of completing the member registration according to the information entered in the state in which the debtor (member) is connected to the debt repayment relay site (S100), and the bond (debt) information by the registered debtor (member) The debtor for the process of repaying the bond (debt) and the process of repaying the bond (debt) by the bond repayment relay unit 11 which has received the request for repayment of the bond (S200) and the request for the repayment of the bond to be completed by the input of the debtor ( A notification to the member) (S300), the debt repayment relay apparatus selecting a negotiation agency to repay the bond (S400), and the information according to the settlement negotiation and the repayment amount with the selected negotiation agency. Checking whether there is an input (S500), and the debt repayment relay unit 11 notifies the debtor about the amount of repayment (S600), and the debtor who has received the notification within a predetermined period Determining whether there is input of information about depositing the repayment amount to the institution, and if so, notifying the debt repayment relay unit 11 (S700), and by the credit institution that confirmed the deposit, to release the creditor's bad credit. In step S800, it is determined whether there is an input of information about the credit card, and the release of the credit failure is determined according to the value.

The operation of the bond repayment relay system and the bond repayment relay method according to the present invention constituted and constructed as described above will be described in detail with reference to FIGS. 1 to 5E.

First, in step S100, the debtor (member) accesses a site operated by the web server 100 of the debt repayment relay system and registers as a member.

That is, as shown in Figure 4a, when a particular user is connected to the address of the bond relay station (meaning a debt repayment relay device operated on the Internet) according to the present invention through an advertisement or various paths, bond repayment relay device 100 displays a main page (FIG. 5A) as shown in FIG. 5A on a user's web browser via the Internet (S101).

Here, a specific user (hereinafter referred to as 'A') generates a debtor (member) registration event through various information or information already known in the main page in step S102. Of course, if the debtor (member) registration event does not occur A will maintain the standby state in the step of transmitting the main page.

Next, when the party generates a debtor (member) registration event in step (S103), the above-mentioned debt repayment relay management server 11 extracts the data of the operation information database 54 and generates a member registration page; Send it to your web browser and keep it on hold.

At this time, if A is input after the information is entered in the transmitted member registration page, the debt repayment relay management server 11 in step 'S104' the data of the transmitted A's debtor (member) information database 51 After checking the error items, such as whether they are registered correctly or duplicated, and if it is determined that there is an error, the process returns to step S103 and retransmits the member registration page with the message back to A.

Of course, if it is determined that there is no error, in step 'S105' through the debtor (member) information management module 12 registers the data of the debtor in the debtor (member) information database 51 and registered member information using the registered data Send the page.

Next, in step S200, Abu inputs bond (debt) information and applies for debt repayment. This step represents the process of managing information on debts (bonds) held by registered debtors (members) and applying for reimbursement to the bond office.

In other words, as shown in Figure 4b, in step 'S201' is already registered as a debtor (member) Gap is connected to the bond relay main page and log in to create a connection with your own web server 100.

That is, in order for any debtor (member) connected to the debt repayment relay management unit 11 to perform a specific task (bond (debt) information input, application for repayment, etc.), the security and independent Internet connection of the debtor (member) Must be configured.

Accordingly, the arbitrary debtor (member) writes his or her own ID, password, etc. on the main page, generates a login event, and the login information is transmitted to the bond repayment relay management unit 11 through the web server 90. Be sure to

At this time, the debt repayment relay management unit 11 in standby state receives the login event and login information of the debtor (member) and requests the debtor (member) information management module 12 to request the debtor (member) information database ( After extracting the debtor (member) information of 51), it is determined whether the debtor (member) who generated the login event is a registered debtor (member).

As a result, you are not a member unless you are determined to be a registered debtor! After the message is sent to the visitor, it is in a waiting state. Of course, in the case of a registered debtor (member), a member menu page is transmitted and a secure and independent internet connection is formed between the client of the debtor (member) and the debt repayment relay management unit 11.

In addition, if in step S202, after the login, the party generates bond (debt) information input and redemption request event, in step S203 and step S204, the bond repayment relay management unit 11 registers / updates / debts (debt) information. The debt (debt) information page and the repayment application page as shown in Figure 5c that can be deleted is transmitted to A.

The buyer enters the information on the bond (debt) information as shown in FIG. 5B after the verification process of the debt amount (for example, the name of the credit institution, the amount of the bond, the date of bond generation, etc.). ), Requesting registration / update / deletion of the information, the bond repayment relay management server 11 is linked to the bond (debt) information management module 13 to check whether the data required to register / update / delete the duplicate and error The data of the bond (debt) information database unit 52 is registered / updated / deleted after checking by comparing with the data of the bond (debt) information database 52.

After the registration / update / deletion of the bond (debt) information required by A is completed, A shall select the bond (debt) information to be repaid from his / her registered bond (debt) information and generate a repayment application event. Let's go.

Here, the bond (debt) information data that A applies for repayment is registered in the bond repayment progress information database unit 53 through the bond (debt) information management module 13, and also through the manager interface unit 23 in real time. Will be sent to A to request a review of the debt (debt) information requested for repayment.

Next, in step S300, the bond repayment relay management device 11 confirms the bond information input by the party, and notifies the party of the bond progress.

That is, as shown in Figure 4c, the bond repayment relay management unit 11 stores the bond (debt) information of the party to be repaid in step S301 in the bond repayment progress information database unit 53, step In S302, the bond (debt) information requested for repayment is checked.

Here, the method of checking bond (debt) information is to check whether the first party correctly entered the bond (debt) information confirmed to the creditor, and the second, the correct bond (debt) information during the negotiation process with the credit institution selected by the bond agency Done.

If there is a difference between the same bond (debt) information of the relevant bond-owned financial institutions after checking the information, the manager asks the bond repayment relay management unit 11 to correct the data through the manager interface unit 23 in step S303. do.

On the contrary, the debt (debt) information that is determined or corrected as a result of the inspection of the debt (debt) information is immediately applied to the debt (debt) information management module (13) from the debt repayment progress information database unit 53. ) Is extracted and transmitted to the debt repayment relay management unit (11).

Here, the bond repayment relay management unit 11 converts the information received in step S304 into a form that conforms to the Internet or other e-mail (see FIG. 5C), and the mail account or the account of the party through the e-mail management unit 70. The debtor (member) is sent to the mail interface unit 21.

Then, A can find out the process of repayment of the debt (debt) applied for repayment among his / her debt (debt) information without going through a complicated process, and can quickly find a countermeasure.

Next, in step S400, the bond repayment relay management device 11 selects a negotiation agency.

That is, through the process of debtor (member) registration (S100), bond (debt) information and repayment application (S200), bond information check and notification (S300) is stored in the bond repayment progress information database unit 53 Negotiation (debt) information is negotiated agency selection management module 14 is always inspected / managed to extract by the bond holding financial institution, the date of bond generation, the amount of bonds stored in the operation information database unit 54, and , The debt repayment relay management unit 11 is transmitted to the manager through the medium.

As shown in FIG. 4D, in step S401, the manager inputs a repayment condition for each bond holding financial institution by referring to the data extracted from the negotiation agency selection management module 14, and sends it to the negotiation agency selection management module 14. Negotiation agency selection operation is performed.

The negotiation agency selection management module 14 searches / compares the repayment application bond (debt) information and the repayment conditions for each bond holding financial institution input by the manager in step S402, and selects a negotiation agency selection data from the bond repayment relay management device unit. (11) is sent to the administrator.

Then, in step S403, the negotiation agency is selected with reference to the negotiation agency selection data, and the information is stored / updated in the operation information database unit 54 through the operation information management module 15 and stored on the main page as shown in FIG. 5A. Allow posting.

In addition, in step S404, the bond repayment relay management device 11 sends a notification mail as shown in FIG. 5D to the corresponding debtor (member) by using the repayment request bond (debt) information corresponding to the selected negotiation agency.

Next, in step S500, the debtor (member) data of the debtor (member) who has applied for repayment to the bond relay center is determined based on the repayment consultation and repayment amount with the bond holding financial institution selected in the negotiation agency selection.

Next, in step S600, the debtor is notified of the repayment amount.

That is, as shown in Fig. 4E, in step S601, the redemption amount information is updated in the data in the bond redemption progress information database 53 determined in the process of consultation and settlement of the redemption amount.

Subsequently, in step S602, the debt repayment relay management device 11 extracts the debt (debt) information, which is determined to be repaid through the bond (debt) information management module 13, and acquires the corresponding debtor (member) information corresponding to the debtor (member). After receiving the information through the information management module 12, the received information is converted into a form corresponding to the Internet or other e-mail as shown in FIG. 5E, and the corresponding debtor (member) mail account through the e-mail management device 70. Or it is sent to the debtor through the debtor (member) mail interface unit 21.

Next, in step S700, A deposits the repayment amount to the credit institution within the set period.

That is, as shown in Fig. 4f, the repayment amount is confirmed in step S701 and designated by the bond holding financial institution and the holder for the receivable (debt) sent to the debtor (member) through the process of notification of repayment amount (S600). When the debtor (member) receives the repayment amount into the account, the deposit information is checked by checking the database part of the debtor-owned financial institution and the holder. Then, when the debt repayment progress information database part is updated, the debt repayment relay management device part 11 ) Extracts the deposit information through the bond (debt) information management module and converts the information into a form corresponding to the Internet or other e-mail, and through the e-mail management unit 70, the corresponding debtor (member) mail account or debtor (Member) will be sent to the mail interface.

Next, in step S800, the credit institution releases the credit failure, and inputs the information on the credit repayment relay management unit 11 to this information.

That is, as shown in step S801 of FIG. 4F, the repayment of the debtor (debt) of the debtor (member) whose payment of the repayment deposit is confirmed to the credit institution is confirmed, and the corresponding bond ( When the bad credit information on the debt is released, the bond relay management unit 11 converts the information into a form corresponding to the Internet or other e-mail, and converts the information into a corresponding debtor (member) through the e-mail management unit 70. The mail is sent to the debtor through the mail account or the debtor (member) mail interface 21.

According to the " internet network-based bond repayment relay system and relay method " according to the present invention described above, when a plurality of debtors (members) want to repay debts individually, an appropriate creditor for the repayment requirements of the bond By selecting and providing repayment negotiations for the creditors to the debtors (members), the debtor (members) can benefit from the simple and reasonable amount of repayment of their debts. .

In addition, as a debtor, the individual debtors scattered in each region are concentrated in one place, and as debtors negotiate debt repayment through the bond office, the debtor's status is improved and the debtor's intention to repay a large number of debtors is relieved. In other words, they can participate in sound economic activities early and create new added value.

In addition, creditors have the advantage of reducing the large amount of bad debts due to repayment and special benefits in the case of amortization, and can reduce the labor and time economic costs of large amounts of bad debts.

In addition, through the debt repayment relay system, it is possible to conveniently repay the debts exempted, and also to facilitate the release of credit failure upon repayment of the bonds.

Claims (11)

(Correction) a client-side server 110 comprising a central processing unit, an input device, and an output device such that the debtor becomes a customer and is connected to the outside through the Internet network; In the Internet network-based bond repayment relay system consisting of a web server 100 is provided to make a two-way connection with the client-side server 110, the web server 100, Web that interfaces with the debtor (member) in the form of HTML (Hyper Text Markup Language) transmitted from the debt repayment relay management unit, and transmits the user's events and data transmitted from the debtor (member) to the debt repayment relay management unit. (Web) server CPU 90; Interface unit 20 for connecting the client-side server 100 and the web server CPU 90 through the Internet to perform the debtor (member) mail interface, debtor (member) interface, administrator interface functions Wow; An e-mail management device unit 70 connected to the interface unit 20 so as to deliver bond (debt) information confirmation data or bond repayment progress information data to a mail account of a specific debtor (member); The e-mail management unit 70 and the web to perform the debtor (member) information management function, bond (debt) information management function, negotiation agency selection management function, operation information management function, bond repayment relay function A bond repayment relay management device 11 connected to the server CPU 90; A debt repayment relay management module unit 10 which is provided to store debtor (member) information, bond (debt) information, negotiation agency information, operation information, and the like, and is connected to the debt repayment relay management unit 11; Inquiry / registration / update / deletion of debtor (member) information, debt (debt) information, debt repayment progress information, operation information, and secure storage and management of data independently, the bond repayment relay management module unit (10) Database management device unit 30 is connected to; Characterized in that it comprises a database unit 50 is provided to store the debtor (member) information, debt (debt) information, debt repayment progress information, operation information, and the like connected to the database management unit 30 Internet network-based bond repayment relay system. (Correction) The method of claim 1, wherein the database unit 50, A debtor (member) information database unit 51 which stores personal information and usage information of the debtor (member), such as a debtor (member) social security number, address, contact information, mail account, login information, etc .; A bond (debt) information database unit 52 for storing information on the debt requiring the repayment relay of the debtor (member); A debt repayment progress information database unit 53, which stores sequential information on the progress of repayment of the debts (members) to be repaid among the debtors (members); An Internet network-based bond repayment relay system, comprising: an operation information database unit 54 storing basic setting data related to bond repayment relay and information related to various interfaces. (Correction) The method of claim 1, wherein the bond repayment relay management module unit 10, If a member registration event or login event from a debtor (customer member) or an administrator occurs, request the database management device unit 11 to register / update / extract the data stored in the database unit 50, A debtor (member) information management module 12 for transferring the registered / updated / extracted credit / loan information to the bond repayment relay management unit 11; When a debt (debt) registration event or repayment application event occurs from a debtor (customer member) or manager, ask the database management server to register the data stored in the debt (debt) information database and the debt repayment progress information database. / Update / extract, transfer registered / renewed / extracted credit / loan information to the bond repayment relay management server, and check the data in the bond (debt) information database registered in real time to check the data unidentified A bond (debt) information management module 12 for transmitting to the bond repayment relay management server; If a negotiation agency selection event occurs at the present time from the manager, it is requested to the database management server to extract the error-free and debt-requested data from the debt (debt) information database and to meet the repayment criteria for each credit institution input from the manager. A negotiation agency selection management module 14 for transferring the bond data of the selection agency and the selection agency to the bond repayment relay management server after a series of operations for selecting a negotiation agency; Internet management system comprising an operation information management module 15 for managing an operation information database and managing state information by linking the database management device unit 30 and the bond repayment relay management device unit 11. Network-based bond repayment relay system. (Correction) The method of claim 1, wherein the interface unit 20, Proceed after checking the debt (debt) information of the party provided by the debtor (member) and applying for repayment of the bond (debt) through the e-mail account provided by the electronic mail management unit 70 or the specific mail account of the debtor (member). A debtor (member) mail interface unit 21 for promptly informing the status in real time; Various events and data generated from any user (including a debtor (member)) are transmitted to the bond repayment relay management unit 11 through the web server CPU 90 through the Internet, and the web server CPU A debtor (member) interface unit 22 which transmits the data transmitted from the bond repayment relay management unit 11 to the user through 90; The manager interface unit directly transmitting the negotiation agency selection event and the repayment amount notification event to the bond repayment relay management unit 11 or to the bond repayment relay management unit 11 via the web server CPU 90. Internet network-based bond repayment relay system, characterized in that consisting of (23). (Correction) Provides an information input environment so that the debtor (member) can access the web server 100 from the client side server 100 connected to the web server 100 and the Internet network and complete member registration. A first step of storing the registration to complete the registration; After the execution of the first step, the creditor (member) provides the input environment of the bond (debt) information that can apply for repayment of the bond, saves the input information, and saves the calculated value according to the stored value again, and completes A second step of becoming; A third step of notifying a debtor (member) exempt through the client-side server 110 of the determination status of the repayment of the bond confirmed according to the value calculated and stored in the step; A fourth step of selecting a negotiation agency for repayment of a bond by the repayment repayment relay management device 11; A fifth step of confirming whether or not a repayment decision is made according to the negotiation with the negotiation agency selected in the step and whether there is a pre-input value for the repayment amount; A sixth step of notifying the debtor of the repayment amount with respect to the value determined in the step through the corresponding client-side server 110; After the execution of the step, the debt repayment relay management unit 11 determines whether there is input information according to the repayment details made by the debtor, and generates a value for the authentication of the credit release as the input of the information is confirmed. Internet network based bond repayment relay method, characterized in that comprises a seventh step of storing. (Correction) The method of claim 5, wherein the first step is When a specific user connects to the address of the debt repayment relay management unit 11, the corresponding data is displayed by the debt repayment relay management unit 11 to display the main page on the output device of the client-side server 110. Transmitting; Determining whether input of various corresponding information is completed on the displayed main page, and if so, generating a registration event; When the registration event occurs in the step, extracting the data of the operation information database to generate a member registration page and transmits it to the debtor's web browser and maintains a standby state; After checking the error information on whether the data of the debtor (member) transmitted is correctly registered or duplicated in the debtor (member) information database, and if there is an error, it is returned to the debtor (member) with an error message. If the member registration page is retransmitted and there is no error, the member registration data is registered in the debtor (member) information database and then the registered member information page is transmitted using the registered data. Internet network-based bond repayment relay method. (Correction) The method of claim 5, wherein the second step, The registered debtor (member) connects to the bond relay main page of the web server 100 and determines whether there is an input value obtained through login, and if so, the corresponding client-side server 11 and the bond repayment relay management unit 11 Making a connection; After the login, when the debtor inputs the bond (debt) information and generates an application for repayment, the bond (debt) information page and the repayment application page for registering, renewing and deleting the bond (debt) information are transmitted to the debtor (member). Internet network-based bond repayment relay method, characterized in that consisting of steps. The method of claim 5, wherein the third step, Storing debt (debt) information of the debtor (member) applied for repayment in a debt repayment progress information database; Retrieving receivables (debt) information; If there is a difference between the same bond (debt) information of the bond holding financial institution as a result of the search, transmitting a value for requesting data correction to the bond repayment relay management unit 11 through the manager interface 23; Wow; If it is determined that the correct data or the data is modified as a result of the search, the information is converted into a form corresponding to the Internet or e-mail, and the e-mail account of the debtor (member) or the debtor (member) through the electronic mail management device 70. An internet network-based bond repayment relay method, characterized in that the step of transmitting to the debtor (member) through the mail interface unit (21). The method of claim 5, wherein the fourth step, Inputting repayment conditions for each bond holding financial institution by referring to data extracted from the negotiation agency selection management module 14 and performing a negotiation agency selection operation; Searching / compareing the repayment request bond (debt) information and the repayment conditions for each bond holding financial institution input by an administrator, and transmitting a selection data of a negotiating agency to the bond repayment relay management unit 11; Selecting a negotiation agency with reference to the negotiation agency selection data, and storing / updating the information in the operation information database through the operation information management module 15 and reflecting the information on the main page; An Internet network-based bond repayment relay method comprising the step of sending a notification mail to the debtor (member) by using the repayment request (debt) information corresponding to the selected negotiation agency. The method of claim 5, wherein the sixth step is Updating the repayment amount information in the data of the repayment repayment progress information database determined in the course of consultation and settlement of repayment amount; Debt (debt) information extracted through the receivable (debt) information management module is extracted, and the corresponding debtor (member) information is received through the debtor (member) information management module 12 and then the received information It converts into a form corresponding to the Internet or e-mail, and transmits it to the debtor through the corresponding debtor (member) mail account or the debtor (member) mail interface unit 21 through the e-mail management device unit 70. Internet-based bond repayment relay method. The method of claim 5, wherein the seventh step, Determining, by the debtor (member), whether or not there is input information in accordance with the payment of the repayment amount to a designated account of the debt-bearing financial institution and the holder for the bond (debt) sent to the debtor (member); If there is a value identified in the above step, the deposit (debt) information management module 13 to extract the deposit information and convert the information into a form corresponding to the Internet or e-mail through the electronic mail management unit 70 Transmitting to the debtor (member) mail account or the debtor (member) mail interface unit 21; The credit institution checks whether there is input information in a state in which the credit is released, and if so, the debt repayment relay management unit 11 converts the input information into a form corresponding to the Internet or e-mail, and converts the e-mail. An Internet network-based bond repayment relay method comprising the step of transmitting to the debtor (member) mail account or the debtor (member) mail interface unit 21 through the management unit (70).