KR100475859B1 - A system for a petty loan and a method thereof - Google Patents

Abstract

The present invention relates to a small loan system and a method thereof. More particularly, the present invention relates to a small loan system and a method in which loans and interest are loaned first at loans and interests at a merchant.

Small loan system of the present invention includes a member management module, small loan module, product purchase module, utility billing module, database unit. In addition, the small loan method of the present invention includes the steps of the member inputting the loan amount, inputting the contract period, inputting the principle payment terms, the step of repaying the loan amount according to the performance of the merchant use.

Description

A system for a petty loan and a method

The present invention relates to a small loan system and a method thereof. More particularly, the present invention relates to a small loan system and a method in which loans and interest are loaned first at loans and interests at a merchant.

Mileage points generated by the purchase of goods or use of services are gaining much attention in that they compensate a part of the purchase amount of members, and accordingly, companies that provide mileage points are increasing.

However, the mileage points are paid to the members at a certain rate, which is determined according to the amount used.Because the mileage points are applied to each product sales company and Internet website operator in a unique way, members cannot use the mileage points properly. There was a ham.

In addition, since the mileage points are not refunded in cash in the past, it was only to receive a prize provided by a product sales company and an Internet homepage operator after earning a certain point.

The present invention is to solve such a problem, the object of the present invention is to receive the necessary loans from financial institutions, such as banks, such as the purchase of daily necessities, which accounts for the majority of household expenses, eating out, private education expenses, etc. If you purchase a back, and the member uses a merchant to provide a small loan system and method for earning an amount corresponding to a certain percentage of the amount used to pay back the loan for the consumer.

Another object of the present invention is to provide a loan to a member or pay a utility bill if the member wants to pay a small loan or utility bill, and if the member uses a merchant, the member earns an amount corresponding to a certain percentage of the amount used by the consumer. To provide a microloan system and method that can be used to pay back an amount or pay a utility bill instead.

In order to achieve the above object, the small loan system of the present invention includes a member management module, a small loan module, a product purchasing module, a utility billing module, and a database unit.

In addition, the small loan method of the present invention includes the steps of the member inputting the loan amount, inputting the contract period, inputting the principle payment terms, the step of repaying the loan amount according to the performance of the merchant use.

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

1 is a block diagram showing the configuration of a small loan system according to an embodiment of the present invention.

As shown in FIG. 1, the microloan system of the present invention includes a retail installment finance server 100, a service merchant 200, a financial institution 300, an electric company 400, a telephone company 500, and a gas company 600. It includes.

The retail installment financing server 100 is a device that performs a core function of the microloan system of the present invention, and performs a function of calculating a member's loan, product purchase cost, utility bill, and the like according to the member's use of the merchant's performance.

The service affiliated store 200 is a company that makes a contract with the retail installment finance server 100 and pays a loan, a product purchase cost, a utility bill, etc. of the member according to the member's usage performance.

The financial institution 300 is a financial institution, such as a bank, insurance company, credit box, etc. to lend to a member through a contract with a retail installment financial company.

The electric company 400, telephone company 500, gas company 600 is a company that supplies electricity, telephone, gas to the member and receives a usage fee from the member.

Retail installment financial company pays the fee to be paid by the member through a contract with the electric company 400, telephone company 500, gas company 600.

2 is a block diagram showing the detailed structure of a retail installment finance server according to an embodiment of the present invention.

As shown in FIG. 2, the retail installment finance server 100 includes a plurality of modules forming a detailed function, a database unit 280 provided to perform the modules, and a central processing unit 270 on which the modules are performed. The central processing unit 270 is connected to the service affiliated store 200, the financial institution 300, the electric company 400, the telephone company 500, the gas company 600, and the like through the network interface 275.

The modules include a membership management module 210, a small loan module 220, a product purchase module 230, a utility bill payment module 240.

The member management module 210 performs a function of managing a member, such as member registration, member information change, and cyber account management.

The small loan module 220 allows a member to receive a loan from a financial institution such as a bank if the member wants a small loan and repays the loan with the amount accumulated in the member's cyber account according to the member's use of the merchant. Do this.

The product purchase module 230 allows a member to purchase a product by receiving a loan from a financial institution when the member wants to purchase a product using the microloan system of the present invention and according to the member's merchant use results. This function pays back the loan amount based on the amount accumulated in the account.

The utility bill payment module 240 is an amount credited to the member's cyber account when the member wants to pay the utility bill to the member's cyber account according to the service merchant's performance. Instead, the payment function is performed.

The database unit 290 includes a member information database 281, a merchant information database 282, a loan information database 283, a product purchase information database 284, and a utility bill information database 285.

The member information database 281 stores and manages information about a member, such as a member's ID, password, cyber account, and accumulated points.

The affiliated store information database 282 stores and manages information about the affiliated store, such as the name, location, contact information, handling product, and point accumulation rate of the affiliated store.

The loan information database 283 stores and manages information about the loan of the financial institution, such as the name of the financial institution, the loan condition of the financial institution, the amount of the loan, the contract period, and the condition for repaying the principal.

The product purchase information database 284 stores and manages information about the product purchased by the member, such as the name, price, loan amount, and contract period of the product purchased by the member.

The utility bill information database 285 stores and manages information on utilities, such as the name of the electric company, the name of the telephone company, the name of the gas company, the contract period, and whether the utility bill is paid.

3 is a flow chart showing a small loan procedure according to an embodiment of the present invention.

First, a person who wants a small loan (hereinafter referred to as a loan applicant) accesses the retail installment finance server 100 through a terminal that can access the Internet (step 310).

When the borrower desires access to the retail installment financing server 100, it is determined whether the loan wisher is a member (step 320).

If it is determined that the member is not a member, the membership is registered (step 325). When you sign up for membership, if you wish to use the service merchant 200, the loan will open a cyber account to accumulate cash according to the performance.

If it is determined that the loan-seeker is a member, and it is determined that the member is a member, or if the loan-seeker joins the member, an amount desired to be loaned is input (step 330).

When the borrower desires to input the loan amount, the loan desireer instructs the borrower to input the contract period (step 340). The contract period may be one year or two years, in which the borrower desires to use the loaned money, or may be in various periods depending on the circumstances of the financial institution affiliated with the retail installment financing company of the present invention. have.

When the borrower desires to input the loan amount and the contract period, the lender desires to enter the condition for repayment of the principle payment (step 350).

The lender decides whether the principal should pay all of the principal or interest, whether the principal or interest should be paid by the merchant, or whether the merchant will pay only part or all of the principal.

When the loan applicant enters the loan amount, the contract period, and the condition for repaying the principal, the member presents the terms and asks whether the member agrees to the contract (step 360).

If it is determined that the borrower does not agree to the contract, the microfinance process is terminated, and if it is determined that the borrower wishes to accept the contract, the borrower wishes to sign the contract (step 370). The signature may be an electronic signature, or may be sent to the lender of a loan to sign a contract and then send it to the retail installment financing company.

After the loan requester makes a contract and uses the service affiliated store, the service affiliated store 200 transmits the use amount of the loan applicant and the amount to be accumulated in the cyber account to the retail installment finance server (step 370).

The amount of savings based on the results of the loan applicant's use of the merchant is determined by the contract between the retail installment financial company and the merchant. The rate of accumulation depends on the nature of the goods or services handled by the merchant.

For example, merchants with a high number of times of use, such as supermarkets, bakeries, and videos, but whose profits are low relative to sales, are lowered. can do.

In addition, in the case of merchants with a large amount of reserves, such as home appliances, furniture, etc., if the full amount of payment is paid at once, the burden of the merchant will be great, so that the reserves can be divided for a certain period. For example, if a householder's earning rate is 5% and the member's TV purchase is 1 million won, the merchant may pay 50,000 won or 50,000 won in 12 months.

When the service merchant transmits the amount of money to be used for the loan applicant and the amount to be credited to the cyber account, the retail installment financing server calculates the amount corresponding to the principle payment repayment condition selected by the loan applicant to the amount accumulated in the cyber account ( Step 380).

For convenience of explanation, it is explained that the amount used for settlement is the amount accumulated after the loan applicant makes a loan.However, the amount used for settlement refers to the amount accumulated before the loan applicant makes a loan. Can also be used.

4 is a flowchart illustrating a product purchase procedure according to an embodiment of the present invention.

First, a person (hereinafter referred to as a purchaser) who wants to purchase a product using the microloan system of the present invention accesses the retail installment finance server 100 through a terminal that can access the Internet (step 410).

When the buyer accesses the retail installment financing server 100, it is determined whether the buyer is a member (step 420).

If it is determined that the buyer is not a member, the buyer is allowed to register (step 425). When a purchaser joins a member, the buyer opens a cyber account to accumulate cash according to the use results when using the service affiliated shop 200.

If it is determined that the buyer is a member or if the buyer has registered as a member, the buyer is asked to input a product to be purchased (step 430).

When the buyer inputs a product to be purchased, the buyer is asked whether to pay the price of the product in cash (step 440).

If it is determined that the purchaser pays for the goods in cash, the purchase process of the present invention is terminated, and if the buyer wants to take out a loan without paying in cash, the buyer enters the loan amount (step 442).

The purchaser may purchase the product by borrowing all of the product price, or may purchase the product by borrowing only a part of the product price.

If the buyer enters the loan amount, the buyer is prompted to enter the contract period (step 444).

When the buyer enters the loan amount and the contract period, the buyer presents the terms and asks if they agree to the contract (step 450).

If it is determined that the buyer does not agree to the contract, the product purchase process is terminated, and if it is determined that the buyer agrees to the contract, the buyer is required to sign the contract (step 460). The signature may be an electronic signature or a contract may be sent to the buyer for direct signing and then sent to the retail installment company.

After the purchaser makes a contract and uses the service affiliated store, the service affiliated store 200 transmits the use amount of the purchaser and the amount to be accumulated in the cyber account to the retail installment finance server (step 470).

When the service affiliate transmits the use amount of the purchaser and the amount to be stored in the cyber account, the retail installment finance server calculates the price of the product purchased by the purchaser in the amount accumulated in the cyber account (step 480).

For convenience of explanation, it is explained that the amount used for settlement is the amount accumulated after the buyer makes a loan. However, the amount used for settlement may use the amount accumulated before the loan. have.

5 is a flowchart illustrating a utility bill payment procedure according to an embodiment of the present invention.

First, a person who wishes to pay a bill (hereinafter, referred to as a payer) accesses the retail installment finance server 100 through a terminal that can access the Internet (step 510).

When the payment requester accesses the retail installment financing server 100, it is determined whether the payment requester is a member (step 520).

If it is determined that the payment requester is not a member, the payment requester is made to join the member (step 525). When the payment requester joins the member, when the member uses the service affiliated shop 200, the cyber account is opened to accumulate cash according to the use results.

If it is determined that the payment requester is a member or if the payment requester joins the member, it is determined whether the member wants to pay the utility bill (step 530).

If it is determined that the lender does not want to pay the utility bill, the payment procedure is terminated, and if the lender wants to pay the utility bill, the utility bill may be selected (step 540).

The utility bill may be an electricity bill, a telephone bill, a gas bill, a water bill, and the like.

If the payment requester selects a utility bill to be paid, the payment requester is prompted to enter a contract period (step 550).

When the payment requester enters the utility bill and the contract period, the payment requester presents the terms and asks whether the agreement is agreed (step 560).

If it is determined that the loanee does not agree to the contract, the product purchase process is terminated, and if it is determined that the loanee agrees to the contract, the loanee should sign the contract (step 570). The signature may be an electronic signature or a contract may be sent to the payment requester for direct signing and then sent to the retail installment financing company.

When the payment requester makes a contract and uses the service merchant, the service merchant 200 transmits the use amount of the payment requestor and the amount to be accumulated in the cyber account to the retail installment finance server (step 580).

When the service merchant transmits the amount of money to be used by the creditor and the amount to be credited to the cyber account, the retail installment financing server pays the utility bill selected by the creditor to the amount credited to the cyber account (step 590).

Here, for convenience of explanation, the amount used for settlement is used as the amount accumulated after the payment requester applies for payment of the utility bill, but the amount used for settlement is accumulated before the payment requester applies for payment of the utility bill. You can also use the savings you had.

As described above, according to the present invention, funds necessary for purchase of daily necessities, eating out, and private education expenses, which occupy most of household expenses, can be used to receive loans. There is less burden on loans, and service merchants have the advantage of securing fixed customers, even though profits are reduced.

In addition, financial institutions can seek stable fund management through small loans to households.

Although the invention has been described in connection with the preferred embodiments mentioned above, other various modifications and changes may be made without departing from the spirit and scope of the invention. It is therefore contemplated that the appended claims will cover such modifications and variations as fall within the true scope of the invention.

1 is a block diagram showing the configuration of a small loan system according to an embodiment of the present invention.

2 is a block diagram showing the detailed structure of a retail installment finance server according to an embodiment of the present invention.

3 is a flow chart showing a small loan procedure according to an embodiment of the present invention.

4 is a flowchart illustrating a product purchase procedure according to an embodiment of the present invention.

5 is a flowchart illustrating a utility bill payment procedure according to an embodiment of the present invention.

Claims (15)

In the small loan system (twice correction), Receiving a loan request amount from the desired loan member who wants a small loan, Receiving an input of a contract period from the desired member of the loan when the desired amount of the loan is input, Receiving a loan repayment condition from the desired member of the loan when the contract period is input, If the loan repayment condition is entered, presenting the terms and conditions to the desired member of the loan and confirming and accepting the agreement, and approving; Calculating the loan principle according to the loan repayment condition with the accumulated amount generated when the desired member of the loan uses the affiliated store; Central processing unit comprising a micro loan module for performing a process comprising a; A network interface connecting the central processing unit to the financial institution; Database that provides the data needed for microcredit Small loan system characterized in that it comprises a. (Correction) The method of claim 1, wherein the central processing unit Receiving a product desired to be purchased from a member who wants to purchase the product; Receiving a desired amount of loans out of the price of goods from the desired member to purchase the goods; Receiving an input of a contract period from a desired member to purchase the article when the desired amount of loan is input, Receiving a loan repayment condition from the desired member to purchase the article when the contract period is input; If the loan repayment terms are entered, presenting the terms and conditions to the member who wants to purchase the goods, and confirming and accepting the agreement; and Calculating the loan principle based on the loan repayment condition with the accumulated amount generated when the desired member purchases a member store; Small loan system further comprises a product purchase module for performing a process comprising a. (Correction) The method of claim 1, wherein the central processing unit Receiving input of utility bills that you wish to pay from members Receiving the input of the contract period from the member who wishes to pay the utility bill when the payment desired utility bill is input, If the contract period is entered, presenting the terms and conditions to the member who wishes to pay the utility bill and confirming and accepting the agreement; and Payment of the desired payment fee with the accumulated amount generated by the member wishing to pay the utility bill Small loan system further comprises a utility bill payment module for performing a process comprising a. (2nd correction) A small loan that allows a member to obtain a loan from a financial institution if the member wants a small loan and repays the loan with the amount accumulated in the member's cyber account according to the member's use performance. In the small loan system comprising a module and a database for performing a function for providing data necessary for small loans, Receiving a loan request amount from the desired loan member who wants a small loan, Receiving an input of a contract period from the desired member of the loan when the desired amount of the loan is input, Receiving a loan repayment condition from the desired member of the loan when the contract period is input, If the loan repayment condition is entered, presenting the terms and conditions to the desired member of the loan and confirming and accepting the agreement, and approving; Receiving an accumulated amount according to the use result of the loan desired member from an affiliated store and accumulating it in the member's cyber account; And Calculating the loan principle based on the amount accumulated in the member's cyber account; Microloan method comprising a. delete (Correction) The method according to claim 4, And determining whether the loan desired member is a member of the micro loan system. (Correction) The method according to claim 4, If the loan repayment condition is entered, the step of presenting the terms and conditions to the desired member of the loan and confirming whether the agreement is agreed Determining whether the desired member of the loan agrees to a contract; and Receiving a contract signed from the desired member of the loan Microloan method comprising a. (Twice correction) When a member wants to purchase a product, the member can receive a loan from a financial institution to purchase the product and perform a function to repay the loan instead of the amount accumulated in the member's cyber account according to the member's use of the merchant. In the small loan system comprising a product purchasing module and a database for performing a function for providing data necessary for the loan and repayment, Receiving a product desired to be purchased from a member who wants to purchase the product; Receiving a desired amount of loans out of the price of goods from the desired member to purchase the goods; Receiving an input of a contract period from a desired member to purchase the article when the desired amount of loan is input, Receiving a loan repayment condition from the desired member to purchase the article when the contract period is input; If the conditions for repaying the loan principle are entered, presenting the terms and conditions to the desired member to purchase the goods and confirming and accepting the agreement, Receiving an accumulated amount according to the use result of the member who wishes to purchase the goods from a member store and storing it in the cyber account of the member who wants to purchase the goods; and Calculating the loan principle using the amount accumulated in the cyber account of the desired member Microloan method comprising a. delete (Correction) The method of claim 8, And determining whether the desired purchase member is a member of the micro loan system. (Correction) The method of claim 8, When the loan repayment condition is entered, the step of presenting the terms and conditions to the desired member to purchase the goods and confirming whether the agreement is agreed Determining whether the desired member purchases the agreement and Receiving a contract signed from the member wishing to purchase the goods Microloan method comprising a. (Twice correction) If a member wants to pay the utility bill in the amount saved in the member's cyber account according to the service merchant's performance, the member should pay the utility bill in the member's cyber account instead. In the small loan system including a utility billing module performing a giving function and a database performing a function for providing data required for the utility bill payment, Receiving input of utility bills that you wish to pay from members Receiving the input of the contract period from the member who wishes to pay the utility bill when the payment desired utility bill is input, If the contract period is entered, presenting the terms and conditions to the member who wishes to pay the utility bill and confirming and accepting the agreement; and Receiving an accumulated amount according to the usage result of the member who wishes to pay the utility bill from an affiliated store and accumulating it in a cyber account of the member who wishes to pay the utility bill; And Paying the utility bill with the amount accumulated in the cyber account of the member wishing to pay the utility bill Microloan method comprising a. delete (Correction) The method according to claim 12, And determining whether the payment member is a member of the micro loan system. (Correction) The method according to claim 12, When the contract period is entered, the step of presenting the terms and conditions to the member who wishes to pay the utility bill and confirming whether the contract is agreed Determining whether the payment request member agrees to the contract; and Receiving a contract signed from the member wishing to pay Small loan method characterized in that it further comprises.