KR100873344B1 - Method for Processing Loan Object Information and Program Recording Medium - Google Patents

Abstract

The present invention relates to a loan service providing method and system, and a program recording medium therefor, wherein the loan subject information processing method according to the present invention is linked with a debtor server that manages payment target bond information such as product sales fee in a bank server. Identifying at least one or more bond information stored in the debtor server, setting the loan target and the loan limit using the checked bond information in the bank server, and storing the set loan target and the loan limit information in a predetermined storage medium. And when the creditor applies for a predetermined loan to the bank, checks whether the creditor is the borrower and the loan limit information of the creditor in connection with the storage medium (or storage medium operating means) at the bank server. Step and based on the confirmed information in the bank server To process the loan application of the creditor.

Loan Services, Information Processing

Description

Loan object information processing method and program recording medium therefor {Method for Processing Loan Object Information and Program Recording Medium}

1 is a diagram illustrating an agent loan processing system using commodity sales payment information according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a process of registering the agent loan application information in a face-to-face manner according to an embodiment of the present invention.

3 is a diagram illustrating an agency loan processing process using product sales payment information according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a dealer loan processing process using product sales payment information according to another exemplary embodiment of the present invention.

5 is a diagram illustrating an agent loan processing system using product sales payment information according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a process of registering the agent loan application information in a non-face-to-face manner for the agent loan processing using the product sales payment information according to an embodiment of the present invention.

7A and 7B are diagrams illustrating a process of registering distributor loan application information in a non-face-to-face manner for dealer loan processing using product sales payment information according to another embodiment of the present invention.

8 is a diagram illustrating an agent loan processing process using product sales payment information according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a dealer loan processing process using goods sales payment information according to another embodiment of the present invention.

<Description of main parts of drawing>

100: loan processing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: information storage unit

130: information extraction unit 135: information confirmation unit

140: loan adjustment unit 145: settlement processing unit

150: loan processing unit 155: storage medium

160: information registration terminal 165: window terminal

170: reseller management server

The present invention is linked to the debtor server that manages the payment target bond information, such as commodity sales fee information verification means for confirming at least one or more bond information stored in the debtor server, and the loan target and the loan limit using the confirmed bond information Information processing means for setting and storing the set loan target and loan limit information in a predetermined storage medium; and when the creditor applies for a predetermined loan to the bank, when the creditor applies for a predetermined loan to the bank, the storage medium And loan processing means for processing the loan application of the creditor based on the identified information after checking whether the creditor is the subject of the loan and the loan limit information of the creditor in connection with the storage medium operating means. It relates to a loan subject information processing system.

Most distributors who sell goods of large companies are required to receive payment for the goods after about 45 to 60 days after the sale of the goods, which causes the distributors to have a lot of difficulties in cash distribution. The distribution structure between the same agency and large companies has not been improved at all.

Most distributors who have difficulty in cash distribution due to the unfair distribution structure between the large companies and the distributors distribute the cash by distributing bills or discounting the bills, which leads to problems of distributing the agents.

An object of the present invention for solving the above problems, in connection with the debtor server that manages the payment target bond information, such as product sales fee to check at least one or more bond information stored in the debtor server, using the confirmed bond information loan Setting a target person and a loan limit and storing the set loan target person and the loan limit information in a predetermined storage medium so that when the creditor applies for a predetermined loan to the bank, when the creditor applies for a predetermined loan to the bank, Loan information processing for processing the loan application of the creditor based on the identified information after confirming whether the creditor is the loan subject and the loan limit information of the creditor in connection with a storage medium (or a storage medium operating means) A system and method are provided.

Loan subject information processing method according to the present invention, in connection with the debtor server that manages the payment target bond information, such as product sales fees in the bank server, the step of checking at least one or more bond information stored in the debtor server, and in the bank server Setting a loan target and a loan limit using the checked bond information, and storing the set loan target and loan limit information in a predetermined storage medium; and when the creditor applies for a predetermined loan to the bank, the bank server Checking whether the creditor is the subject of the loan and the loan limit information of the creditor in connection with the storage medium (or the storage medium operating means) and applying for the loan of the creditor based on the verified information in the bank server. It characterized in that it comprises a step of processing.

According to the present invention, the loan subject information processing method, characterized in that the bank server further comprises the step of distributing a portion of the revenue generated by the loan processing for the creditor to the debtor.

According to the invention, the loan subject information processing method, characterized in that further comprises the step of setting the creditor's bonds to a predetermined loan collateral, when processing the loan to the creditor in the bank server.

On the other hand, the present invention includes a recording medium characterized in that a program for executing the above-described loan subject information processing method is recorded.

On the other hand, the loan subject information processing system according to the present invention, information verification means for confirming at least one or more bond information stored in the debtor server in conjunction with the debtor server that manages payment target bond information, such as product sales fee, and the confirmed bond Information processing means for setting a loan target and loan limit using the information, and storing the set loan target and loan limit information in a predetermined storage medium; and when the creditor applies for a predetermined loan to the bank, the creditor is the bank. When a predetermined loan application is made, after confirming whether the creditor is the subject of the loan and the loan limit information of the creditor in connection with the storage medium (or the storage medium operating means), the creditor of the creditor based on the confirmed information It comprises a loan processing means for processing the loan application The.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also omitted as described above The relationship between the components and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating an agency loan processing system using product sales payment information according to an exemplary embodiment of the present invention.

In more detail, Figure 1 is a predetermined dealer customer through a predetermined information registration interface dealer loan processing system for dealer loan processing using the product sales payment information according to the present invention dealer information and large company information and loan application amount information When providing the agency loan application information including at least one, the agency loan processing system links the agency information, the large company information and the loan application amount information included in the provided agency loan application information in a predetermined storage medium ( 155), access the agency management server 160 corresponding to the agency and at least one sales performance information for the agency, and correspondingly the product sales payout information to be paid from the large company to the agency; About the system configuration to receive and process loans. As one of ordinary skill in the art to which the present invention pertains, various implementation methods for an agency loan processing system configuration using goods sales payment information may be inferred by referring to and / or modifying the present invention. The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In the following, the agency loan processing system receives the predetermined dealer loan application information from the distributor customer through a predetermined information registration interface on the agency loan processing system shown in FIG. 1 to process the agency loan in association with the agency management system managing the agency. Components corresponding to at least one or more means and / or functional configurations are referred to as " loan processing server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the agent loan processing system for the agent loan processing using the merchandise payment information according to the present invention, the window terminal 175 is provided at at least one financial institution branch Characterized in that it comprises an information registration terminal 170, the information registration terminal 170 is a communication channel with the loan processing server 100 provided on the dealer loan processing system through a predetermined financial network Is connected.

According to an exemplary embodiment of the present invention, the distributor customer visits the financial institution branch for the agent loan processing using the merchandise sales payment information according to the present invention, and (or through the window provided at the financial institution branch). A certain application (eg, a document with a form for filling in at least one item of information for the agent loan processing using the product payout information) for processing the agent loan using the product payout information; After filling out and submitting the completed application to the counter clerk, the counter clerk inputs (or selects) the information written in the application through a predetermined counter terminal 175, and the counter terminal 175 receives the input ( Or transmits the selected information to the loan processing server 100 provided on the agency loan processing system through the financial network. This is preferred.

Here, the teller terminal 175 preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, the loan processing server 100 connected to the teller terminal 175 is the predetermined financial It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal 175 and the loan processing server 100 is the communication between the teller terminal 175 and the loan processing server 100 It is preferable to include a network for connecting the channels.

In the agency loan processing system as described above, an application created by the agent customer and a bank network connecting the teller terminal 175 and the teller terminal 175 and the loan processing server 100 used by the teller employee The dealer customer performs a function of an information registration interface for registering the agent loan application information for the agent loan processing using the goods sales payment information according to the present invention.

The storage medium 155 provided on the dealer loan processing system according to the present invention links the agency information and the large company information and the loan application amount information included in the agency loan application information provided from the information registration terminal 170. Characterized in that the processing is stored in a predetermined storage medium 155, the agency loan application information including at least one or more of the agency information, large company information and loan application amount information stored in the storage medium 155 is the present invention. It is used for the agency loan processing using the goods sales payment information.

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the dealer loan processing system (or associated with the agency loan processing system), wherein The storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 155 is provided on (or associated with) the bank loan processing system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. Or an accounting system for processing a windowing service such as a credit or a receiving or trust or a foreign exchange, an information system for processing a headquarters business, branch office information support and customer information management, and at least one other Interconnection between financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) to access the financial system, and / or at least one And an external system that provides various financial transaction interfaces through a common network (eg, a CD common network and a financial common network). The financial system further provides interfacing between components in the financial system. Interface module corresponding to the middleware platform, and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in the components of the financial system. Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to store and manage.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that the cooperative process is stored as.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

The loan processing server 100 provided on the agent loan processing system according to the present invention is a generic term for the agent loan processing system side components connected to the information registration terminal 170 through a predetermined financial network, and includes at least one. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, when the information registration terminal 170 is a window terminal 175 connected to a predetermined financial network, the loan processing server 100 may open the window terminal 175 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to the method of the present invention, the loan processing server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 170 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 170 is a window terminal 175 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. It connects a window terminal 175 with a predetermined communication channel and provides a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal 175. It is desirable to.

Referring to FIG. 1, the loan processing server 100 connects a communication channel with a loan processing server 100 through a predetermined information registration terminal 170 through the interface unit 105, and then the interface unit ( In connection with 105, the information registration terminal 170 generates (or extracts) a predetermined user interface for inputting (or selecting) and sending predetermined agency loan application information to the information registration terminal 170. An information receiving unit for receiving a predetermined agency loan application information that is input (or selected) and transmitted from the information registration terminal 170 through the user interface in cooperation with the interface providing unit 110 and the interface unit 105 ( 115), the validity confirming unit 120 for checking the validity of the received agency loan application information, and the agency information included in the agency loan application information whose validity has been confirmed. In conjunction with processing information, and a large loan amount information having the information storing section 125 that stores a predetermined storage medium (155) characterized by comprising.

The interface providing unit 110 is a predetermined information registration terminal 170 is connected to the loan processing server 100 and the communication channel through the interface unit 105, the information registration terminal 170 is provided In response to the functional configuration, the agent loan application information is input (or selected) to generate a predetermined user interface that can be transmitted to the loan processing server 100 through the financial network, and / or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 105 to the information registration terminal 170 through the financial network.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) the agency loan application information to the information registration terminal 170 and transmitting it to the loan processing server 100 through the financial network is provided. When the predetermined information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal 170 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 170 inputs (or selects) the agency loan application information including at least one of the agency information, the large company information, and the loan application amount information based on the user interface, and the input (or the selection). The agency loan application information is transmitted to the loan processing server 100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 170 is a window terminal 175 connected to a predetermined financial network, the interface providing unit 110 is a financial transaction provided in the window terminal 175. It is preferable to generate (or extract) a predetermined user interface that can be provided by a related program, and provide the generated (or extracted) user interface to the window terminal 175 through the interface unit 105.

The information receiving unit 115 inputs (or selects) the agency loan application information including at least one agent information, large company information, and loan application amount information through the user interface in the information registration terminal 170 and the financial network. When transmitting through, it is characterized in that for receiving the agency loan application information in conjunction with the interface unit 105, and provides the received agency loan application information to the validity verification unit 120.

Here, it is preferable that the agency information included in the agency loan application information includes at least one agency name for selling goods of a specific large company, at least one agent representative information, agent address, contact information, and the like.

According to the implementation method of the present invention, the agency information is preferably matched with the agency information provided in the agency management server 160, whereby the loan processing server 100 to the agency management server 160 At the time of providing the agency information, at least one or more sales record information for the agency from a predetermined agency management D / B 165 in the agency management server 160, and correspondingly, the price of goods sold to be paid from the large company to the agency. Extract payment information and transmit it to the loan processing server 100.

In addition, the large company information included in the agency loan application information is the company information for selling at least one or more products through the agency corresponding to the agency information, the large company agency management server 160 to manage at least one agency ) To operate.

According to an embodiment of the present invention, the agency management server 160 links the agency information and at least one sales record information for the agency and the product sales payout information to be paid from the large company to the agency correspondingly. It is preferable to provide and operate an agency management D / B 165 for processing and storing.

Those skilled in the art to which the present invention pertains, the agency management server 160 operates the agency management D / B (165) and the agency information and at least one or more sales record information for the agency; Therefore, in response to the technical features for managing the product sales payment information to be paid to the agency from the large company will be familiar with, the detailed description thereof will be omitted for convenience.

In addition, the loan application amount information included in the agency loan application information is the amount information for the dealer customer to receive a loan, the loan application amount information is the sales record for the agency received from the agency management server 160 Can be adjusted by the information and payment information.

The validity confirming unit 120 checks whether the agency loan application information received from the information registration terminal 170 satisfies the validity for the agent loan processing using the product sales payment information.

According to the implementation method of the present invention, the validity confirmation of the agency loan application information is from the agency management server 160 corresponding to the large company information among the information included in the agency loan application information in the loan processing server 100 And at least one or more sales record information for the agency corresponding to the agency information, and correspondingly, whether the company can be provided with the product sales payment information to be paid to the agency.

When the validity of the agency loan application information is confirmed, the information storage unit 125 processes the agency information included in the agency loan application information, large company information, and loan application amount information and stores them in the storage medium 155. When the storage medium 155 is provided in the loan processing server 100 or on the network associated with the loan processing server 100, the information storage unit 125 may be used. It is preferable to store and store in the storage medium 155 by linking the agency information included in the received agency loan application information, large company information and loan application amount information, the storage medium 155 is provided on the financial system DBMS When provided in the, the information storage unit 125 is the finance agent information and large company information and loan application amount information included in the received agency loan application information the finance To step through the available information on the FEP system and is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 1, the loan processing server 100 may verify the validity of the agency loan application information received through the information receiver 115 or the agency loan application information of which the validity is authenticated may be stored in the storage medium. After being stored at 155, the agency information included in the agency loan application information is transmitted to the agency management server 160 corresponding to the large company information, and at least one sale to the agency from the agency management server 160. The agency loan application on the basis of the performance information and corresponding information transmission and reception unit 130 for receiving the product sales payment information to be paid to the agency from the large company, and the received sales record information and product sales payment information The information confirmation unit 135 confirms whether the loan is approved for the loan application amount included in the information, and the information confirmation unit 135 When the loan approval is confirmed, a loan processing unit 150 is provided to loan the loan application amount to the distributor customer in association with a predetermined financial system, and the loan approval by the information checking unit 135. In case of rejection, it is preferable to further include a loan adjustment unit 140 for adjusting the loan application amount.

According to the present invention, the loan processing server 100 distributes a portion of the loan fee (or loan interest) incurred by the agency loan to the large company after the agency loan processing by the loan processing unit 150 to settle the processing. It is preferable that the payment processing unit 145 is further provided.

After the validity of the agency loan application information received through the information receiving unit 115 is authenticated or the agency loan application information of which the validity is authenticated is stored in the storage medium 155, the information transmitting and receiving unit 130 is By connecting to the agency management server 160 corresponding to the large company information included in the agency loan application information through a predetermined network means, and by sending the agency information contained in the agency loan application information to the agency management server 160 And receiving at least one or more sales record information for the agency from the agency management server 160 and information on payment of goods sold to the agent from the large company.

When the information transmitting and receiving unit 130 receives at least one or more sales record information for the agency from the agency management server 160, and corresponding to the product sales payment payment information to be paid to the agency from the large company, The information checking unit 135 checks whether the loan is approved for the loan application amount included in the agency loan application information based on at least one or more sales record information and product sales payment information for the agency.

According to an embodiment of the present invention, the information checking unit 135 further checks loan period information on the loan application amount based on at least one or more sales record information and product sales payment information for the agency, or It is advisable to check the loan interest rate information for the loan application amount.

According to another exemplary embodiment of the present invention, when the loan application amount is not included in the agency loan application information, the information checking unit 135 provides at least one or more sales record information and product sales payment information for the agency. It is preferable to check the loanable amount information, loan period information and loan interest rate information for the loanable amount based on the agency, and thus the present invention is not limited thereto.

When the loan approval amount (or loanable amount) is rejected by the information checking unit 135, the loan adjustment unit 140 may provide at least one sale record information and product sale payment information for the agency. Check the loanable amount for the agent based on the basis, characterized in that for adjusting the loan application amount by replacing (or converting) the loanable amount.

Upon confirming the loan approval for the loan application amount (or loanable amount) by the information verification unit 135, the loan processing unit 150 is connected with the financial system to determine the loan application amount (or loan amount). Characterized in that to perform a loan to the distributor customer.

According to the implementation method of the present invention, the loan processing unit 150 generates a loan ledger corresponding to the distributor customer in connection with the financial system, and a predetermined loan management account (eg, loan the loan from the financial institution). And the loan application amount (or loanable amount) from the operating account) to the loan ledger.

If one of ordinary skill in the art to which the present invention pertains, the loan processing unit 150 will be familiar with the technical features of loan processing the loan application amount (or loanable amount) in connection with the financial system. Detailed description thereof will be omitted for convenience.

2 is a diagram illustrating a process of registering the agent loan application information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 2 shows a loan processing server 100 on an agent loan processing system shown in FIG. 1 that functions as a ledger server (not shown) on a financial system linked to a counter terminal 175 through a predetermined financial network. In this case, the window terminal 175 is connected to the loan processing server 100 and connected to the communication channel for the agent loan processing using the goods sales payment information according to the present invention, and then the communication channel When the agency loan application information is transmitted to the loan processing server 100 including the agency information, large company information, and loan application amount information, the loan processing server 100 is included in the received agency loan application information. An embodiment of the present invention relates to an implementation method for linking agent information, large company information, and information from a large government office, and storing the information in a predetermined storage medium 155. Those skilled in the art can infer various implementation methods for registering the agent loan application information from the counter terminal 175 to the loan processing server 100 by referring to and / or modifying the drawing 2. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Hereinafter, in FIG. 2, the window terminal 175 shown in FIG. 1 is referred to as a "terminal" for convenience, and the loan processing server 100 shown in FIG. 1 is referred to as a "server" for convenience, and the window terminal ( The agency information, the large company information, and the loan application amount information transmitted from the 175 to the loan processing server 100 are referred to as "agent loan application information" for convenience.

Referring to FIG. 2, the window terminal 175 shown in FIG. 1 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the agency loan application information, and pays for the product sales. When requesting registration of the agency loan application information for agency loan processing using payment information (200), the server generates (or extracts) a predetermined information registration interface for registering the agency loan application information (205), The generated (or extracted) information registration interface is transmitted to the terminal and output through the communication channel (210).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) agency loan application information including at least one of the agency information, large company information, and loan application amount information in the terminal. It is preferable.

Thereafter, the terminal inputs (or selects) agency loan application information including at least one agency information, large company information, and loan application amount information through the information registration interface (215).

If the terminal inputs (or selects) agency loan application information including the agency information, large company information, and loan application amount information through the information registration interface (220), the terminal receives the input through the financial network ( Alternatively, the agent loan application information including the selected agency information, large company information, and loan application amount information is transmitted to the server (225).

Here, it is preferable that the agency information included in the agency loan application information includes at least one agency name for selling goods of a specific large company, at least one agent representative information, agent address, contact information, and the like.

According to the implementation method of the present invention, the agency information is preferably matched with the agency information provided in the agency management server 160, whereby the loan processing server 100 to the agency management server 160 At the time of providing the agency information, at least one or more sales record information for the agency from a predetermined agency management D / B 165 in the agency management server 160, and correspondingly, the price of goods sold to be paid from the large company to the agency. Extract payment information and transmit it to the loan processing server 100.

In addition, the large company information included in the agency loan application information is the company information for selling at least one or more products through the agency corresponding to the agency information, the large company agency management server 160 to manage at least one agency ) To operate.

According to an embodiment of the present invention, the agency management server 160 links the agency information and at least one sales record information for the agency and the product sales payout information to be paid from the large company to the agency correspondingly. It is preferable to provide and operate an agency management D / B 165 for processing and storing.

If one of ordinary skill in the art to which the present invention belongs, the agency management server 160 operates the agency management D / B (165) at least one or more sales record information for the agency information and the agency. And, in response to the technical features to manage the product sales payment information to be paid to the agency from the large company will be familiar with, the detailed description thereof will be omitted for convenience.

In addition, the loan application amount information included in the agency loan application information is the amount information for the dealer customer to receive a loan, the loan application amount information is the sales record for the agency received from the agency management server 160 Can be adjusted by the information and payment information.

Thereafter, the server receives and reads the agency information, the large company information, and the loan application amount information through the financial network to check the validity of the agency loan application information (230).

According to the implementation method of the present invention, the validity confirmation of the agency loan application information is from the agency management server 160 corresponding to the large company information among the information included in the agency loan application information in the loan processing server 100 And at least one or more sales record information for the agency corresponding to the agency information, and correspondingly, whether the company can be provided with the product sales payment information to be paid to the agency.

If the validity of the agency loan application information is not authenticated (235), the server generates predetermined information registration error information and transmits it to the terminal (240), and performs an information registration procedure corresponding to the agency loan application information. Do not perform.

On the other hand, if the validity of the agency loan application information is authenticated (235), the server performs an information registration procedure corresponding to the agency loan application information, thereby linking the agency information, the large company information and the loan application amount information and predetermined The storage medium 155 stores the data at 245.

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the dealer loan processing system (or associated with the agency loan processing system), wherein The storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 155 is provided on (or associated with) the bank loan processing system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (250), thereby completing the procedure of registering the agency loan application information transmitted from the terminal.

3 is a diagram illustrating an agency loan processing process using goods sales payment information according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a process of processing a loan to the agency in connection with the agency management server 160 managing the agency in the loan processing server 100 on the agency loan processing system shown in FIG. Specifically, when the agency loan application information received by the loan processing server 100 includes agency information, large company information, and loan application amount information, processing the loan to the agency based on the agency loan application information. The implementation method is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 3 to infer various implementation methods for the agent loan processing process using the product sales payout information. The invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, the loan processing server 100 shown in FIG. 1 in FIG. 3 is referred to as a "server" for convenience.

Referring to FIG. 3, the validity of the agency loan application information received by the server in the information registration process illustrated in FIG. 2 is authenticated, or the agency loan application information of which the validity is certified is stored in the storage medium 155. After being stored, the server accesses the agency management server 160 through a predetermined network means based on the large company information included in the agency loan application information, and applies the agency loan application information to the agency management server 160. The included agency information is transmitted (300).

Here, it is preferable that the agency information included in the agency loan application information includes at least one agency name for selling goods of a specific large company, at least one agent representative information, agent address, contact information, and the like.

According to the implementation method of the present invention, the agency information is preferably matched with the agency information provided in the agency management server 160, whereby when providing the agency information from the server to the agency management server 160, The agency management server 160 extracts at least one or more sales record information for the agency from a predetermined agency management D / B 165 and product sales payment information to be paid to the agency from the large company in response thereto. .

In addition, the large company information included in the agency loan application information is the company information for selling at least one or more products through the agency corresponding to the agency information, the large company agency management server 160 to manage at least one agency ) To operate.

According to an embodiment of the present invention, the agency management server 160 links the agency information and at least one sales record information for the agency and the product sales payout information to be paid from the large company to the agency correspondingly. It is preferable to provide and operate an agency management D / B 165 for processing and storing.

Those skilled in the art to which the present invention pertains, the agency management server 160 operates the agency management D / B (165) and the agency information and at least one or more sales record information for the agency; Therefore, in response to the technical features for managing the product sales payment information to be paid to the agency from the large company will be familiar with, the detailed description thereof will be omitted for convenience.

Thereafter, the agency management server 160 checks the validity of the received agency information through the agency management D / B 165 (305).

If the validity of the received agency information is not authenticated (310), the agency management server 160 generates predetermined agency error information and transmits it to the server (315), thereby making a loan to the agency. Not processed.

On the other hand, if the validity of the received agency information is authenticated (310), the agency management server 160 is at least one or more sales record information stored in association with the agency information from the agency management D / B (165), In response to this, the seller extracts the payment information of the product payment to be paid to the agency and transmits it to the server (320).

Subsequently, the server reads at least one or more sales record information about the received agency and product sales payment information to be paid from the large company to the agency, and loans the loan application amount included in the agency loan application information. Check the approval (325).

If the loan approval for the loan application amount is not confirmed (330), the server is based on at least one or more sales record information for the extracted agent and the product sales payment information to be paid from the large company to the agent In operation 340, the loanable amount for the agency is checked (335), and predetermined loan processing information including loan period information and loan interest rate information for the loanable amount is generated (340).

On the other hand, if the loan approval for the loan application amount is confirmed (330), the server generates predetermined loan processing information including loan period information and loan interest rate information for the loan application amount (345).

Thereafter, the server performs a loan processing procedure for the loan processing information in association with the financial system (350).

According to an embodiment of the present invention, the server generates a loan ledger corresponding to the distributor customer in association with the financial system, and a predetermined loan management account (for example, an account for borrowing and operating the loan from the financial institution). From the loan application amount (or loanable amount) is preferably loaned to the loan ledger.

As those skilled in the art to which the present invention pertains, the server will be familiar with the technical features of loan processing the loan application amount (or loanable amount) in connection with the financial system. Description is omitted for convenience.

If the loan processing procedure for the loan processing information is completed (355), the server calculates the distribution amount of the large company for a predetermined loan fee (or loan interest) corresponding to the loan processing, and the calculated distribution amount The settlement to the large company account (360).

4 is a diagram illustrating an agency loan processing process using product sales payment information according to another exemplary embodiment of the present invention.

In more detail, FIG. 4 illustrates a process of processing a loan to the agency in connection with the agency management server 160 managing the agency in the loan processing server 100 on the agency loan processing system shown in FIG. As an example, when the agency loan application information received by the loan processing server 100 includes agency information and large company information, a method of processing a loan to the agency based on the agency loan application information is illustrated. will be.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to infer various implementation methods for the agent loan processing process using the product sales payout information. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG.

Hereinafter, the loan processing server 100 shown in FIG. 1 in FIG. 4 is referred to as a "server" for convenience.

Referring to FIG. 4, the validity of the agency loan application information received by the server in the information registration process illustrated in FIG. 2 is authenticated, or the agency loan application information of which the validity is certified is stored in the storage medium 155. After being stored, the server accesses the agency management server 160 through a predetermined network means based on the large company information included in the agency loan application information, and applies the agency loan application information to the agency management server 160. The included agency information is transmitted (400).

Here, it is preferable that the agency information included in the agency loan application information includes at least one agency name for selling goods of a specific large company, at least one agent representative information, agent address, contact information, and the like.

According to the implementation method of the present invention, the agency information is preferably matched with the agency information provided in the agency management server 160, whereby when providing the agency information from the server to the agency management server 160, The agency management server 160 extracts at least one or more sales record information for the agency from a predetermined agency management D / B 165 and product sales payment information to be paid to the agency from the large company in response thereto. .

In addition, the large company information included in the agency loan application information is the company information for selling at least one or more products through the agency corresponding to the agency information, the large company agency management server 160 to manage at least one agency ) To operate.

According to an embodiment of the present invention, the agency management server 160 links the agency information and at least one sales record information for the agency and the product sales payout information to be paid from the large company to the agency correspondingly. It is preferable to provide and operate an agency management D / B 165 for processing and storing.

Those skilled in the art to which the present invention pertains, the agency management server 160 operates the agency management D / B (165) and the agency information and at least one or more sales record information for the agency; Therefore, in response to the technical features for managing the product sales payment information to be paid to the agency from the large company will be familiar with, the detailed description thereof will be omitted for convenience.

Thereafter, the agency management server 160 checks the validity of the received agency information through the agency management D / B 165 (405).

If the validity of the received agency information is not authenticated (410), the agency management server 160 generates predetermined agency error information and transmits it to the server (415), thereby making a loan to the agency. Not processed.

On the other hand, if the validity of the received agency information is authenticated (410), the agency management server 160 is at least one or more sales record information stored in association with the agency information from the agency management D / B (165), Correspondingly, the product sales payment payment information to be paid from the large company to the agency is extracted and transmitted to the server (420).

Thereafter, the server checks the loanable amount for the dealership based on at least one or more pieces of sales record information for the dealership and product sales payment information to be paid from the large company to the dealership (425), In operation 430, predetermined loan processing information including loan period information and loan interest rate information of the loanable amount is generated.

Thereafter, the server performs a loan processing procedure for the loan processing information in association with the financial system (435).

According to an embodiment of the present invention, the server creates a loan ledger corresponding to the dealership customer in association with the financial system, and a predetermined loan management account (eg, an account for loaning and operating the loan from the financial institution). It is preferable to loan the loan application amount (or loanable amount) to the loan ledger.

As those skilled in the art to which the present invention pertains, the server will be familiar with the technical features of loan processing the loan application amount (or loanable amount) in connection with the financial system. Description is omitted for convenience.

If the loan processing procedure for the loan processing information is completed (440), the server calculates the distribution amount of the large company for a predetermined loan fee (or loan interest) corresponding to the loan processing, and the calculated distribution amount The settlement is processed to the large company account (445).

5 is a diagram illustrating an agent loan processing system using product sales payment information according to another exemplary embodiment of the present invention.

In more detail, Figure 5 is a predetermined dealer customer through a predetermined information registration interface through the dealer loan processing system for the agency loan processing using the product sales payment information according to the present invention dealer information and large company information and loan application amount information When providing the agency loan application information including at least one of the above, the agency loan processing system associates the agency information included in the provided agency loan application information with the large company information and the loan application amount information in a predetermined storage medium 555. ), And then connect to the agency management server 560 corresponding to the agency to provide at least one or more sales record information for the agency, and corresponding to the sale price payment information to be paid from the large company to the agency Take a loan to handle the system configuration As one of ordinary skill in the art to which the present invention pertains, various implementation methods for configuring a dealer loan processing system using product sales payout information may be inferred by referring to and / or modifying the drawing 5. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, the dealer loan processing system receives the predetermined dealer loan application information from the dealer customer through a predetermined information registration interface on the agency loan processing system shown in FIG. 5 and processes the agency loan in association with the agency management system managing the agency. Components corresponding to at least one or more means and / or functional configurations are referred to as " loan processing server 500 " for convenience.

Referring to this figure 5 according to the embodiment of the present invention, the agent loan processing system for the agent loan processing using the goods sales payout information according to the present invention, the wired terminal 580 and / or wireless terminal used by the dealer customer And at least one information registration terminal 570 including at least one client terminal including at least one 575, wherein the information registration terminal 570 is loaned to the agency through a predetermined network means. The communication channel is connected to the loan processing server 500 provided on the processing system.

According to an exemplary embodiment of the present invention, the dealership customer may use the loan processing server through at least one client terminal of a wired terminal 580 connected to a predetermined wired network and / or a wireless terminal 575 connected to a predetermined wireless communication network. Access the 500 and input (or select) the agent loan application information for the agent loan processing using the product sales payout information according to the present invention through at least one user interface provided by the loan processing server 500 In this case, the client terminal preferably transmits through the predetermined network means to the loan processing server 500 provided on the agency loan processing system.

Here, the wired terminal 580 connected to the wired network is a generic term for all terminal devices connected to a TCP / IP-based communication network, and includes a desktop computer connected to the TCP / IP-based communication network. / Or at least one notebook, or a consumer terminal connected to the TCP / IP based communication network (eg, Set-Top-Box, etc.), or a kiosk connected to the TCP / IP based communication network. It is preferable to comprise.

In addition, the wireless terminal 575 connected to the wireless network includes all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or Motorola. Generic term for all terminal devices connected to the company's DataTAC and / or Erricson's Mobitex-based wireless data communication networks, and includes a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) connected to the CDMA-based mobile communication network. Terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or smart phone and / or Or Telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the loan processing server 500 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the loan processing server 500 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the loan processing server 500, inputs and / or selects at least one or more information through the user interface, and transmits the same to the loan processing server 500. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and a communication function to communicate with the loan processing server 500, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals 580 and / or wireless terminals 575. Detailed description is omitted for convenience.

In the agency loan processing system as described above, the client terminal including at least one or more wired terminal 580 and / or wireless terminal 575 used by the dealer customer, the client terminal and the loan processing server 500 The at least one wired network and / or the wireless network to connect performs a function of an information registration interface for registering the dealer loan application information for the dealer loan processing by the dealer customer using the product sales payment information according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 570 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the agency loan processing system as described above, when the information registration terminal 570 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the loan processing The financial network connecting the server 500 performs a function of an information registration interface for registering the agent loan application information for the agent loan processing for the agent customer using the product sales payment information according to the present invention, and / or When the information registration terminal 570 is the call terminal (not shown), a wired telephone network and / or wireless connection between the call terminal (not shown) and the call terminal (not shown) and the loan processing server 500. The telephone network includes information for registering the agent loan application information for the agent loan processing by the dealer customer using the product sales payout information according to the present invention. And / or a terminal (and / or server) (not shown) provided to an institution affiliated with the financial institution that is the information registration terminal 570 and / or the information registration terminal 570. (Not shown) and the network connecting the terminal (and / or server) (not shown) and the loan processing server 500 may perform the agent loan processing by the distributor customer using the product sales payment payment information according to the present invention. In order to register the agent loan application information to perform the function of the information registration interface.

The storage medium 555 provided on the dealer loan processing system according to the present invention links the agency information and the large company information and the loan application amount information included in the agency loan application information provided from the information registration terminal 570. Characterized in that the processing is stored in a predetermined storage medium 555, the agency loan application information including at least one or more of the agency information, large company information and loan application amount information stored in the storage medium 555 is the present invention. It is used for the agency loan processing using the goods sales payment information.

According to one embodiment of the invention, the storage medium 555 is preferably provided in a DBMS on a financial system provided on the dealer loan processing system (or associated with the agency loan processing system), wherein The storage medium 555 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 555 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the agency loan processing system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. Or an accounting system for processing a windowing service such as a credit or a receiving or trust or a foreign exchange, an information system for processing a headquarters business, branch office information support and customer information management, and at least one other Interconnection between financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) to access the financial system, and / or at least one It is characterized in that it comprises an external system that provides a variety of financial transaction interfaces through the common network (for example, CD common network, financial common network), and the financial system provides an interface between components in the financial system Interface module corresponding to the middleware platform, and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in the components of the financial system. Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to store and manage.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that the cooperative process is stored as.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

The loan processing server 500 provided on the dealer loan processing system according to the present invention is a generic term for the agency loan processing system side components connected to the information registration terminal 570 through a predetermined network means, and includes at least It may be implemented by including one or more servers (or devices), and / or by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal 570 is a client terminal including a wired terminal 580 and / or a wireless terminal 575 connectable to an internet banking server on a predetermined internet banking system. Loan processing server 500 is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or the external system of the financial system through the Internet banking system A predetermined server (or device) accessible to the program, a program included in the server (or device), and / or on the financial system accessible through the Internet banking server (and / or the server (or device)). It may be a server (or device) provided in the external system, and / or a program provided in the external system on the financial system, whereby The name is not limited.

According to another embodiment of the present invention, when the information registration terminal 570 is a client terminal including a wireless terminal 575 connectable with a wireless banking server on a predetermined wireless banking system, the loan processing server 500 is A predetermined wireless banking server provided on the wireless banking system, and / or a program included in the wireless banking server, and / or a predetermined server accessible to the external system of the financial system through the wireless banking system ( Or a device provided in the external system on the financial system which is a program provided in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or a device), and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal 570 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the loan processing server 500 may perform the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the information registration terminal 570 is a wired terminal 580 (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the loan processing server 500 ) Is a predetermined TV banking server provided on the TV banking system, and / or a program provided on the TV banking server, and / or is accessible to a foreign system of the financial system through the TV banking system. A server (or device), a program included in the server (or device), and / or an external system on the financial system accessible through the TV banking server (and / or the server (or device)). It may be a server (or a device), and / or a program provided in the external world on the financial system, whereby the present invention is not limited.

According to the embodiment of the present invention, the loan processing server 500 is provided with an interface unit 505 for connecting and managing a predetermined communication channel with the information registration terminal 570 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 570 is a client terminal including a wired terminal 580 and / or a wireless terminal 575 connected to a predetermined wired network and / or a wireless network, The interface unit 505 connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or wireless network, and uses a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

For example, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 505 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the loan processing server 500, the interface unit 505 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 570 is a financial automatic device connected to a predetermined financial network, the interface unit 505 may be configured based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with an automated device and using a communication protocol defined in a financial transaction related program included in the automated teller machine. .

According to another exemplary embodiment of the present invention, when the information registration terminal 570 is a client terminal including a wireless terminal 575 connected to a predetermined wireless network, the interface unit 505 is defined in the wireless network. Connecting a predetermined communication channel with the client terminal based on the established protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is preferable.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 505 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the loan processing server 500, the interface unit 505 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 570 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 505 may connect the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 505 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or providing a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 570 is a wired terminal 580 (or two-way digital TV) connected to a TV banking system, the interface unit 505 may be connected to the TV banking system. A communication protocol defined in a communication program included in the wired terminal 580 (or bidirectional digital TV) is connected to the wired terminal 580 (or bidirectional digital TV) based on a defined protocol stack. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

Referring to FIG. 5, the loan processing server 500 connects a communication channel with the loan processing server 500 through a predetermined information registration terminal 570 through the interface unit 505 and then connects the interface unit ( In operation 505, the information registration terminal 570 generates (or extracts) a predetermined user interface for inputting (or selecting) and sending predetermined dealer loan application information to the information registration terminal 570. And an information receiver 515 for receiving predetermined agency loan application information transmitted from the information registration terminal 570 through the user interface in connection with an interface provider and the interface unit 505. Storing information stored in a predetermined storage medium 555 by linking the agency information included in the received agency loan application information with large company information and loan application amount information; Characterized in that obtained by having a (525).

The interface providing unit corresponds to a functional configuration provided in the information registration terminal 570 after a predetermined information registration terminal 570 connects a communication channel with the loan processing server 500 through the interface unit 505. Generate a predetermined user interface capable of inputting (or selecting) the agency loan application information and transmitting it to the loan processing server 500 through the network means, and / or extracting from a predetermined database (not shown). And provide the generated (or extracted) user interface to the information registration terminal 570 through the network means in association with the interface unit 505.

Thereafter, the information registration terminal 570 inputs (or selects) the agency loan application information including at least one of the agency information, the large company information, and the loan application amount information based on the user interface. The agency loan application information is transmitted to the loan processing server 500 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 570 is a client terminal including a wired terminal 580 and / or a wireless terminal 575 connected to a predetermined wired network and / or a wireless network, The interface providing unit generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the user interface generated through the interface unit 505. It is preferable to provide to the client terminal.

According to another exemplary embodiment of the present invention, when the information registration terminal 570 is a financial automatic device connected to a predetermined financial network, the interface providing unit may provide a predetermined financial transaction related program provided in the financial automatic device. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the ATM using the interface unit 505.

According to another exemplary embodiment of the present invention, when the information registration terminal 570 is a client terminal including a wireless terminal 575 connected to a predetermined wireless network, the interface providing unit is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, when the information registration terminal 570 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit is provided to the call terminal (not shown). Produces (or extracts) a predetermined user interface, and provides the generated (or extracted) user interface (eg, ARS-based user interface) to the call terminal (not shown) through the interface unit 505. It is preferable.

According to another exemplary embodiment of the present invention, when the information registration terminal 570 is a wired terminal 580 (or a two-way digital TV) connected to a TV banking system, the interface provider may provide the wired terminal 580 (or Generate (or extract) a predetermined user interface that can be provided to the interactive digital TV), and convert the generated (or extracted) user interface to the wired terminal 580 (or the interactive digital TV) through the interface unit 505. It is desirable to provide.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the agency loan application information to the information registration terminal 570 and transmitting the information to the loan processing server 500 through the network means is provided. When a predetermined information registration program is provided, the interface providing unit for providing the user interface to the information registration terminal 570 may be omitted, and the present invention is not limited thereto.

The information receiving unit 515 inputs (or selects) the agency loan application information including at least one agent information, a large company information, and a loan application amount information through the user interface at the information registration terminal 570 to perform the network means. When transmitting through, it is characterized in that for receiving the agency loan application information in conjunction with the interface unit 505, and provides the received agency loan application information to the validity verification unit 520.

Here, it is preferable that the agency information included in the agency loan application information includes at least one agency name for selling goods of a specific large company, at least one agent representative information, agent address, contact information, and the like.

According to the implementation method of the present invention, the agency information is preferably matched with the agency information provided in the agency management server 560, whereby the loan processing server 500 to the agency management server 560 At the time of providing the agency information, at least one or more sales record information for the agency from a predetermined agency management D / B 565 at the agency management server 560, and correspondingly, the price for selling goods to be paid from the large company to the agency. Extract payment information and transmit it to the loan processing server 500.

Further, the large company information included in the agency loan application information is company information for selling at least one product on behalf of the agency corresponding to the agency information, wherein the large company manages at least one agency agency management server 560 ) To operate.

According to an embodiment of the present invention, the agency management server 560 links the agency information and at least one or more sales record information for the agency, and correspondingly, the product sales payout information to be paid from the large company to the agency. It is preferable to operate with the agency management D / B 565 which processes and stores.

Those skilled in the art to which the present invention pertains, the agency management server 560 operates the agency management D / B (565) at least one or more sales record information for the agency information and the agent And, in response to the technical features to manage the product sales payment information to be paid to the agency from the large company will be familiar with, the detailed description thereof will be omitted for convenience.

In addition, the loan application amount information included in the agency loan application information is the amount information for the dealer customer to receive a loan, the loan application amount information is the sales record for the agency received from the agency management server 560 Can be adjusted by the information and payment information.

The validity confirming unit 520 is characterized by checking whether the agency loan application information received from the information registration terminal 570 satisfies the validity for the agent loan processing using the product sales payment information.

According to the implementation method of the present invention, the validity confirmation of the agency loan application information is from the agency management server 560 corresponding to the large company information among the information contained in the agency loan application information in the loan processing server 500 And at least one or more sales record information for the agency corresponding to the agency information, and correspondingly, whether the company can be provided with the product sales payment information to be paid to the agency.

When the validity of the agency loan application information is confirmed, the information storage unit 525 stores the information in the storage medium 555 by linking the agency information included in the agency loan application information with information of a large company and a loan application amount. When the storage medium 555 is provided in the loan processing server 500 or on the network associated with the loan processing server 500, the information storage unit 525 may be configured as the storage medium 555. It is preferable to store and store in the storage medium 555 by linking the agency information included in the received agency loan application information and large company information and loan application amount information, the storage medium 555 is provided on the financial system DBMS When provided in the, the information storage unit 525 is the financial information and the agency information included in the agency information and loan application information included in the agency loan application information received from the finance To step through the available information on the FEP system and is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 5, the loan processing server 500 may verify the validity of the agency loan application information received through the information receiver 515, or the agency loan application information of which the validity is authenticated may be stored in the storage medium ( After the information is stored at 555, the agency information included in the agency loan application information is transmitted to the agency management server 560 corresponding to the large company information, and at least one or more sales records for the agency from the agency management server 560. Information transmitting and receiving unit 530 for receiving the product sales payment payment information to be paid to the agency from the large company and the agency loan application information based on the received sales record information and product sales payment information; The information checking unit 535 and the information checking unit 535 for checking whether the loan is approved for the loan application amount included in the When the loan approval is confirmed, a loan processing unit 550 for lending the loan application amount to the distributor customer in association with a predetermined financial system is provided, and the loan approval by the information checking unit 535. In case of rejection, it is preferable to further include a loan adjustment unit 540 for adjusting the loan application amount.

According to the present invention, the loan processing server 500 distributes a portion of the loan fee (or loan interest) incurred by the agency loan to the large company after the agency loan processing by the loan processing unit 550. It is preferable that a settlement processing unit 545 is further provided.

After the validity of the agency loan application information received through the information receiving unit 515 is authenticated, or the agency loan application information of which the validity is authenticated is stored in the storage medium 555, the information transmitting and receiving unit 530 is By connecting to the agency management server 560 corresponding to the large company information included in the agency loan application information through a predetermined network means, and by sending the agency information contained in the agency loan application information to the agency management server 560 And receiving at least one or more sales record information of the agency from the agency management server 560 and information on payment of goods sold to the agent from the large company.

When the information transmitting and receiving unit 530 receives at least one or more sales record information for the dealer from the agency management server 560, and corresponding to the product sales payment payment information to be paid to the agency from the large company, The information checking unit 535 may check whether the loan is approved for the loan application amount included in the agency loan application information based on at least one sales result information and product sales payment information for the agency.

According to an embodiment of the present invention, the information checking unit 535 further checks loan period information on the loan application amount based on at least one or more sales record information and product sales payment information for the agency, or It is advisable to check the loan interest rate information for the loan application amount.

According to another exemplary embodiment of the present invention, when the loan application amount is not included in the agency loan application information, the information checking unit 535 may provide at least one sale record information and product sale payment information for the agency. It is preferable to check the loanable amount information, loan period information and loan interest rate information for the loanable amount based on the agency, and thus the present invention is not limited thereto.

When the loan confirmation amount (or loanable amount) is rejected by the information checking unit 535, the loan adjustment unit 540 may provide at least one sale record information and product sale payment information to the agency. Check the loanable amount for the agent based on the basis, characterized in that for adjusting the loan application amount by replacing (or converting) the loanable amount.

Upon confirming the loan approval for the loan application amount (or loanable amount) by the information verification unit 535, the loan processing unit 550 in connection with the financial system to determine the loan application amount (or loan amount). Characterized in that to perform a loan to the distributor customer.

According to the implementation method of the present invention, the loan processing unit 550 generates a loan ledger corresponding to the distributor customer in association with the financial system, and a loan operation account (for example, loaning the loan from the financial institution); It is preferable to lend the loan application amount (or loanable amount) to the loan ledger from the account).

If one of ordinary skill in the art to which the present invention belongs, the loan processing unit 550 will be familiar with the technical features of loan processing the loan application amount (or loanable amount) in connection with the financial system. The detailed description thereof is omitted for convenience.

6 is a diagram illustrating a process of registering the agent loan application information in a non-face-to-face manner for the agent loan processing using the goods sales payment information according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates a case in which the loan processing server 500 on the agency loan processing system shown in FIG. 5 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the loan processing server 500 and connecting the communication channel for the agent loan processing using the product sales payment information according to the present invention, the agency information and the loan processing server 500 through the communication channel When the agency loan application information including the large company information and the loan application amount information is transmitted, the loan processing server 500 links the agency information and the large company information and the loan application amount information included in the received agency loan application information. As an embodiment of the present invention for storing in a predetermined storage medium 555, the present invention belongs to Those skilled in the art will be able to infer various implementation methods for registering the agency loan application information from the client terminal to the loan processing server 500 by referring to and / or modifying the present invention. The invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the client terminal illustrated in FIG. 5 is referred to as a “terminal” for convenience, and the loan processing server 500 illustrated in FIG. 5 is referred to as a “server” for convenience, and the loan processing is performed in the client terminal. The agency information, large company information, and loan application amount information transmitted to the server 500 are referred to as "agent loan application information" for convenience.

Referring to FIG. 6, when the client terminal illustrated in FIG. 5 is a predetermined network means (eg, the client terminal is a wired terminal 580), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 575. Is connected to the server through a CDMA-based mobile communication network and / or an IEEE 802.16x-based mobile Internet, etc., to connect a predetermined communication channel for registering the dealer loan application information, and provide the product sales payout information. When requesting the agent loan application information registration for the used agent loan processing (600), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the agent loan application information (605). In operation 610, the web page is transmitted to the terminal through the generated (or extracted) web page through the communication channel.

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) agency loan application information including at least one of the agency information, large company information, and loan application amount information in the terminal. It is preferable.

In addition, the web page transmission and / or output process is preferably performed at least one or more times according to the agency loan application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) agency loan application information including at least one or more agency information, large company information, and loan application amount information through the information registration interface (615).

If the terminal inputs (or selects) agency loan application information including the agency information, large company information, and loan application amount information through the information registration interface (620), the terminal receives the input through the communication channel ( Alternatively, the selected agent information, large company information, and loan application amount information are transmitted to the server (625).

Here, it is preferable that the agency information included in the agency loan application information includes at least one agency name for selling goods of a specific large company, at least one agent representative information, agent address, contact information, and the like.

According to the implementation method of the present invention, the agency information is preferably matched with the agency information provided in the agency management server 560, whereby the loan processing server 500 to the agency management server 560 At the time of providing the agency information, at least one or more sales record information for the agency from a predetermined agency management D / B 565 at the agency management server 560, and correspondingly, the price for selling goods to be paid from the large company to the agency. Extract payment information and transmit it to the loan processing server 500.

Further, the large company information included in the agency loan application information is company information for selling at least one product on behalf of the agency corresponding to the agency information, wherein the large company manages at least one agency agency management server 560 ) To operate.

According to an embodiment of the present invention, the agency management server 560 links the agency information and at least one or more sales record information for the agency, and correspondingly, the product sales payout information to be paid from the large company to the agency. It is preferable to operate with the agency management D / B 565 which processes and stores.

Those skilled in the art to which the present invention pertains, the agency management server 560 operates the agency management D / B (565) at least one or more sales record information for the agency information and the agent And, in response to the technical features to manage the product sales payment information to be paid to the agency from the large company will be familiar with, the detailed description thereof will be omitted for convenience.

In addition, the loan application amount information included in the agency loan application information is the amount information for the dealer customer to receive a loan, the loan application amount information is the sales record for the agency received from the agency management server 560 Can be adjusted by the information and payment information.

According to the implementation method of the present invention, transmitting the input (or selected) agency information, large company information and loan application amount information to the server through the communication channel, is input (or selected) through the information registration interface The agency loan application information may be made by transmitting the electronic signature and / or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the agency information, the large company information, and the loan application amount information through the communication channel to check the validity of the agency loan application information (630).

According to an embodiment of the present invention, confirming the validity of the agency loan application information is that when the agency loan application information is electronically signed and / or encrypted through a security module provided in the terminal, the agency loan application information Decrypting, and / or decrypting the agent loan application information can be made.

According to the implementation method of the present invention, the validity confirmation of the agency loan application information is from the agency management server 560 corresponding to the large company information among the information contained in the agency loan application information in the loan processing server 500 And at least one or more sales record information for the agency corresponding to the agency information, and correspondingly, whether the company can be provided with the product sales payment information to be paid to the agency.

If the validity of the agency loan application information is not authenticated (635), the server generates a web page including predetermined information registration error information and transmits it to the terminal (640) and corresponds to the agency loan application information. Do not perform the information registration procedure.

On the other hand, when the validity of the agency loan application information is authenticated (635), the server performs an information registration procedure corresponding to the agency loan application information, thereby linking the agency information with the large company information and the loan application amount information and predetermined The storage medium 555 is stored in operation 645.

According to one embodiment of the invention, the storage medium 555 is preferably provided in a DBMS on a financial system provided on the dealer loan processing system (or associated with the agency loan processing system), wherein The storage medium 555 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 555 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the agency loan processing system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (650), thereby completing the procedure of registering the agency loan application information transmitted from the terminal.

7A and 7B illustrate a process of registering agent loan application information in a non-face-to-face manner for the agent loan processing using product sales payment information according to another embodiment of the present invention.

In more detail, FIGS. 7A and 7B illustrate a case in which the agent loan processing system illustrated in FIG. 5 is realized through an Internet banking system among non-face-to-face channel-based banking systems. For example, after accessing the Internet banking server through the Internet and performing a predetermined agency customer authentication procedure, the client terminal provides the predetermined agency loan application information for the agency loan processing using the product sales payment information. When the agent loan application information including the agent information, the large company information, and the loan application amount information is transmitted to a banking server, the agency information and the large company information included in the received agency loan application information are received from the loan processing server 500; Process the loan application amount information and store it in a predetermined storage medium (555) As an embodiment of the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b to loan the agency from the client terminal to the loan processing server 500. Various implementation methods for registering application information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 7A and 7B.

That is, the browser program when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 7A and 7B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the agent loan application information registration between the client terminal and the Internet banking server based on the present invention, if the person of ordinary skill in the art Refer to and / or modify an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 7A and 7B and between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. Dealership stand Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of registration information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, and thereby the present invention. This is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 7a and 7b, a telebanking system And / or inferring a method of connecting a non-face-to-face channel-based financial transaction channel for registering agent loan application information in another banking system, such as a wireless banking system and / or a TV banking system, but the present invention provides the above telebanking method. It includes all types of non-face-to-face channel based financial transactions, including systems and / or wireless banking systems and / or TV banking systems and / or future non-face-to-face channel banking systems, the technical configuration of the present invention being shown in Figure 7a. It is by no means limited to the case of Internet banking shown in FIG.

7A and 7B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the loan processing server 500 is referred to as " server "

7A and 7B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (700a), the server communicates between the terminal and the server through the browser. (705a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (710a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (715a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update 720a.

If the terminal does not need to install and / or update the latest version of the Internet banking security module (725a), or if the terminal does not need to mount and / or update the Internet banking security module (715a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (730a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or a decryption algorithm) corresponding to the rhythm), and the information to be provided from the terminal to the server for registration of the agent loan application information. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or is provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided from the terminal to the server for registration of the agent loan application information. Attach a predetermined electronic signature to information (or data) to be performed and / or at least one Encrypting and transmitting using an encryption method (and / or an encryption algorithm) on the server, the server verifies the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using an authorized certificate of the agency customer installed in the terminal. It is characterized by.

When the secure channel for internet banking is connected, the server requests the terminal to perform an Internet banking agency customer authentication procedure through the browser program (735a).

According to an exemplary embodiment of the present invention, the Internet banking agent customer authentication procedure may be performed by the agent customer through the terminal through predetermined Internet banking-based agent customer authentication data (eg, an ID / PW registered by an agent customer during an internet banking application process, Or inputting (or creating) a reseller customer number, etc.) to the server, the server recognizing a reseller customer connected through the terminal as an internet banking reseller customer based on the reseller customer authentication data. In this case, the agency customer authentication data is preferably transmitted through the digital signature and / or encrypted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking agent customer authentication procedure may be performed by the agent customer through the terminal using predetermined Internet banking-based agent customer authentication data (eg, an ID / PW registered by an agent in an internet banking application process). Or (or create) a customer account number, etc.) and transmit it to the authentication server, the customer authentication through the terminal on the basis of the customer authentication data from the authentication server authenticated as an Internet banking distributor customer, And providing the result to the server, wherein the distributor customer authentication data preferably includes an authentication certificate based authentication data, and the authentication server is a server that authenticates the authentication certificate based authentication data.

Thereafter, the terminal inputs (or generates) predetermined agency customer authentication data according to the request, and electronically signs and / or encrypts the data through the security module to transmit to the server (and / or authentication server). Request for authentication (740a), and the server (and / or authentication server) is the Internet for non-face-to-channel channel financial transactions in contact with the distributor customer through the terminal based on the distributor customer authentication data received from the terminal Certified as a banking agent customer (745a).

If the Internet banking agency customer authentication fails (750a), the server blocks the Internet banking security channel for the terminal (755a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the customer authentication of the Internet banking agent succeeds (750a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (760a), where Internet banking The underlying financial transaction channel refers to a communication channel that can register and transmit predetermined agency loan application information for agency loan processing using product sales payment information from the terminal to the server.

Subsequently, when the terminal requests the internet banking-based distributor loan application information registration to the server through the inter-banking-based financial transaction channel to register the agency loan application information (700b), the server registers the agency loan application information. A web page corresponding to a predetermined information registration interface is generated (or extracted) (705b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel and output (710b). ).

According to an embodiment of the present invention, the information registration interface preferably comprises an interface for inputting (or selecting) agency loan application information including at least one of agency information, large company information, and loan application amount information in the terminal. And / or a predetermined password (e.g., account password, etc.) and / or security code (e.g., account password) to verify the validity of an Internet banking distributor customer requesting registration of the agency loan application information and / or the agency loan application information. For example, a security code printed on a security card issued to a reseller customer during the internet banking application process and / or one time password (OTP) (e.g., after a banking application process (or after a banking application)) is provided to a reseller customer. One-time password generated by one OTP authenticator (or OTP authenticator) It is preferable to further include an interface for inputting.

In addition, the web page transmission and / or output process is preferably performed at least one or more times according to the agency loan application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) the agency loan application information including at least one of the agency information, the large company information, and the loan application amount information through the information registration interface (715b).

If the terminal inputs (or selects) the agency loan application information including the agency information, the large company information, and the loan application amount information through the information registration interface (720b), the terminal receives the input through the financial transaction channel. (Or selected) the agency loan application information is transmitted to the server (725b).

Here, it is preferable that the agency information included in the agency loan application information includes at least one agency name for selling goods of a specific large company, at least one agent representative information, agent address, contact information, and the like.

According to the implementation method of the present invention, the agency information is preferably matched with the agency information provided in the agency management server 560, whereby the loan processing server 500 to the agency management server 560 At the time of providing the agency information, at least one or more sales record information for the agency from a predetermined agency management D / B 565 at the agency management server 560, and correspondingly, the price for selling goods to be paid from the large company to the agency. Extract payment information and transmit it to the loan processing server 500.

In addition, the large company information included in the agency loan application information is company information for selling at least one or more products through the agency corresponding to the agency information, the large company agency management server for managing at least one agency (560) ) To operate.

According to an embodiment of the present invention, the agency management server 560 links the agency information and at least one or more sales record information for the agency, and correspondingly, the product sales payout information to be paid from the large company to the agency. It is preferable to operate with the agency management D / B 565 which processes and stores.

Those skilled in the art to which the present invention pertains, the agency management server 560 operates the agency management D / B 565 and the agency information and at least one or more sales record information for the agency; Therefore, in response to the technical features for managing the product sales payment information to be paid to the agency from the large company will be familiar with, the detailed description thereof will be omitted for convenience.

In addition, the loan application amount information included in the agency loan application information is the amount information for the dealer customer to receive a loan, the loan application amount information is the sales record for the agency received from the agency management server 560 Can be adjusted by the information and payment information.

According to the exemplary embodiment of the present invention, transmitting the input (or selection) of the agent loan application information to the server through the financial transaction channel may include the information on the agent loan application information (or selection) input through the information registration interface. It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the agency loan application information through the financial transaction channel to check the validity of the agency loan application information (730b).

According to an embodiment of the present invention, checking the validity of the agent loan application information may include: when the agent loan application information is electronically signed and / or encrypted through a security module provided in the terminal, the agent loan application information. Decrypting, and / or decrypting the agent loan application information can be made.

In addition, the validity check of the agency loan application information, preferably further comprises authenticating the password and / or security code and / or OTP included in the agency loan application information.

According to the implementation method of the present invention, the validity confirmation of the agency loan application information is from the agency management server 560 corresponding to the large company information among the information contained in the agency loan application information in the loan processing server 500 And at least one or more sales record information for the agency corresponding to the agency information, and correspondingly, whether the company can be provided with the product sales payment information to be paid to the agency.

If the validity of the agency loan application information is not authenticated (735b), the server generates a web page including a predetermined agency loan application information registration error information and transmits it to the terminal (740b), and the agency loan application Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the agency loan application information is authenticated (735b), the server performs an information registration procedure corresponding to the agency loan application information, so that the agency information and large company information and loan application included in the agency loan application information The amount information is cooperatively stored and stored in the predetermined storage medium 555 (745b).

According to one embodiment of the invention, the storage medium 555 is preferably provided in a DBMS on a financial system provided on the dealer loan processing system (or associated with the agency loan processing system), wherein The storage medium 555 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 555 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the agency loan processing system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined dealer loan application information registration history information and transmits the generated web page to the terminal (750b), thereby completing registration of the agency loan application information transmitted from the terminal.

8 is a diagram illustrating an agency loan processing process using product sales payment information according to an exemplary embodiment of the present invention.

More specifically, FIG. 8 illustrates a process of processing a loan to the agency in connection with the agency management server 560 managing the agency in the loan processing server 500 on the agency loan processing system shown in FIG. Specifically, when the agency loan application information received by the loan processing server 500 includes agency information, large company information, and loan application amount information, the loan is processed for the agency based on the agency loan application information. It shows an implementation method.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to infer various implementation methods for the agent loan processing process using the product sales payout information. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG.

Hereinafter, the loan processing server 500 shown in FIG. 5 in FIG. 8 is referred to as a "server" for convenience.

Referring to FIG. 8, the validity of the agency loan application information received by the server in the information registration process shown in FIGS. 6 and / or 7a and 7b is certified or the validity of the agency loan application information is verified. After is stored in the storage medium 555, the server accesses the agency management server 560 through a predetermined network means based on the large company information included in the agency loan application information, the agency management server 560 In step 800, the agency information included in the agency loan application information is transmitted.

Here, the agent information included in the agent loan application information, it is preferable to include at least one or more dealership name for selling goods of a specific large company, personal information of the representative representative, agency address and contact information.

According to the implementation method of the present invention, the agency information is preferably matched with the agency information provided in the agency management server 560, whereby when providing the agency information from the server to the agency management server 560, The agency management server 560 extracts at least one or more sales record information for the agency from the predetermined agency management D / B 565 and product sales payment information to be paid to the agency from the large company in response thereto. .

Further, the large company information included in the agency loan application information is company information for selling at least one product on behalf of the agency corresponding to the agency information, wherein the large company manages at least one agency agency management server 560 ) To operate.

According to an embodiment of the present invention, the agency management server 560 links the agency information and at least one or more sales record information for the agency, and correspondingly, the product sales payout information to be paid from the large company to the agency. It is preferable to operate with the agency management D / B 565 which processes and stores.

Those skilled in the art to which the present invention pertains, the agency management server 560 operates the agency management D / B 565 and the agency information and at least one or more sales record information for the agency; Therefore, in response to the technical features for managing the product sales payment information to be paid to the agency from the large company will be familiar with, the detailed description thereof will be omitted for convenience.

Thereafter, the agency management server 560 confirms the validity of the received agency information through the agency management D / B 565 (805).

If the validity of the received agency information is not authenticated (810), the agency management server 560 generates a predetermined agency error information and transmits it to the server (815), thereby making a loan to the agency. Not processed.

On the other hand, if the validity of the received agency information is authenticated (810), the agency management server 560 is at least one or more sales record information stored in association with the agency information from the agency management D / B (565), Correspondingly, the product sales payment payment information to be paid from the large company to the agency is extracted and transmitted to the server (820).

Subsequently, the server reads at least one or more sales record information about the received agency and product sales payment information to be paid from the large company to the agency for the loan application amount included in the agency loan application information. Check the loan approval (825).

If the loan approval for the loan application amount is not confirmed (830), the server is based on at least one or more sales record information for the extracted agency and the product sales payment information to be paid to the agency from the large company In operation 840, the loanable amount for the agency is checked, and predetermined loan processing information including loan period information and loan interest rate information for the loanable amount is generated (840).

On the other hand, if the loan approval for the loan application amount is confirmed (830), the server generates predetermined loan processing information including loan period information and loan interest rate information for the loan application amount (845).

Thereafter, the server performs a loan processing procedure for the loan processing information in association with the financial system (850).

According to an embodiment of the present invention, the server generates a loan ledger corresponding to the distributor customer in association with the financial system, and a predetermined loan management account (for example, an account for borrowing and operating the loan from the financial institution). From the loan application amount (or loan amount) is preferably loaned to the loan ledger.

As those skilled in the art to which the present invention pertains, the server will be familiar with the technical features of loan processing the loan application amount (or loanable amount) in connection with the financial system. Description is omitted for convenience.

If the loan processing procedure for the loan processing information is completed (855), the server calculates the large company distribution amount for a predetermined loan fee (or loan interest) corresponding to the loan processing, and the calculated distribution amount The payment is processed to the large corporate account (860).

9 is a diagram illustrating a dealer loan processing process using goods sales payment information according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates a process of processing a loan to the agency in connection with the agency management server 560 managing the agency in the loan processing server 500 on the agency loan processing system shown in FIG. As an embodiment, when the agency loan application information received by the loan processing server 500 includes agency information and large company information, a method of processing a loan to the agency based on the agency loan application information is illustrated. will be.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 9 to infer various implementation methods for the agent loan processing process using the product sales payout information. The invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, the loan processing server 500 shown in FIG. 5 in FIG. 9 is referred to as a "server" for convenience.

Referring to FIG. 9, the validity of the agency loan application information received by the server in the information registration process shown in FIGS. 6 and / or 7a and 7b is certified or the validity of the agency loan application information is verified. After is stored in the storage medium 555, the server accesses the agency management server 560 through a predetermined network means based on the large company information included in the agency loan application information, the agency management server 560 In step 900, the agency information included in the agency loan application information is transmitted.

Here, the agent information included in the agent loan application information, it is preferable to include at least one or more dealership name for selling goods of a specific large company, personal information of the representative representative, agency address and contact information.

According to the implementation method of the present invention, the agency information is preferably matched with the agency information provided in the agency management server 560, whereby when providing the agency information from the server to the agency management server 560, The agency management server 560 extracts at least one or more sales record information for the agency from the predetermined agency management D / B 565 and product sales payment information to be paid to the agency from the large company in response thereto. .

Further, the large company information included in the agency loan application information is company information for selling at least one product on behalf of the agency corresponding to the agency information, wherein the large company manages at least one agency agency management server 560 ) To operate.

According to an embodiment of the present invention, the agency management server 560 links the agency information and at least one or more sales record information for the agency, and correspondingly, the product sales payout information to be paid from the large company to the agency. It is preferable to operate with the agency management D / B 565 which processes and stores.

Those skilled in the art to which the present invention pertains, the agency management server 560 operates the agency management D / B 565 and the agency information and at least one or more sales record information for the agency; Therefore, in response to the technical features for managing the product sales payment information to be paid to the agency from the large company will be familiar with, the detailed description thereof will be omitted for convenience.

Thereafter, the agency management server 560 checks the validity of the received agency information through the agency management D / B 565 (905).

If the validity of the received agency information is not authenticated (910), the agency management server 560 generates a predetermined agency error information and transmits it to the server (915), thereby making a loan to the agency. Not processed.

On the other hand, if the validity of the received agency information is authenticated (910), the agency management server 560 is at least one or more sales record information stored in association with the agency information from the agency management D / B (565), Correspondingly, the product sales payment payment information to be paid from the large company to the agency is extracted and transmitted to the server (920).

Thereafter, the server checks the loanable amount for the agency based on at least one or more sales record information of the agency and the product sales payment information to be paid from the large company to the agency (925). In operation 930, predetermined loan processing information including loan period information and loan interest rate information for the loanable amount is generated.

Thereafter, the server performs a loan processing procedure for the loan processing information in association with the financial system (935).

According to an embodiment of the present invention, the server generates a loan ledger corresponding to the distributor customer in association with the financial system, and a predetermined loan management account (for example, an account for borrowing and operating the loan from the financial institution). From the loan application amount (or loanable amount) is preferably loaned to the loan ledger.

As those skilled in the art to which the present invention pertains, the server will be familiar with the technical features of loan processing the loan application amount (or loanable amount) in connection with the financial system. Description is omitted for convenience.

If the loan processing procedure for the loan processing information is completed (940), the server calculates the large company distribution amount for a predetermined loan fee (or loan interest) corresponding to the loan processing, and the calculated distribution The amount is settled to the large corporate account (945).

According to the present invention, when applying for a loan in most agents selling goods of a large company, a predetermined agency management system for managing the agent is provided with at least one or more sales record information and product sales payment information for the agent. By loaning a predetermined amount by setting the payment amount of the product sales payment as collateral, there is an advantage of smoothing the cash distribution of the agency.

Claims (5)

Confirming at least one or more bond information stored in the debtor server in association with a debtor server managing the payment target bond information in a bank server; Setting a loan target and a loan limit using the checked bond information in the bank server, and storing the set loan target and loan limit information in a predetermined storage medium; When the creditor applies for a predetermined loan to the bank, checking, by the bank server, whether the creditor is a loan target previously stored in the storage medium and loan limit information of the creditor through the storage medium; And And processing the lender's loan application on the basis of the identified information at the bank server. And distributing a portion of the profits generated by the lending to the creditor to the debtor having a debt relationship with the creditor in the bank server. delete The method of claim 1, And processing the loan to the creditor in the bank server, setting the creditor's bond as a predetermined loan collateral. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. delete

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