KR100976519B1 - Method for Settling for Long Time Free of Interest Payment in Installment Using Mobile - Google Patents

Abstract

The present invention relates to a long-term interest-free installment payment processing method using a mobile and a program recording medium for the same, and the long-term interest-free installment payment processing method using a mobile according to the present invention, when the customer wireless terminal is connected to the customer from the guarantee authority server Authentication processing, Receiving long-term interest-free installment payment processing request information transmitted from the customer wireless terminal in the guarantee institution server, Securities for the long-term interest-free installment payment processing payment guarantee of the customer in the assurance agency server And issuing the securities issued by the guarantee institution server to a financial institution server, and requesting a long-term non-interest payment of the customer through the financial institution.

Long-term interest, mobile payment, installment payment

Description

How to process long-term interest-free installment payment using mobile {Method for Settling for Long Time Free of Interest Payment in Installment Using Mobile}

1 is a diagram illustrating a non-face-to-face long-term interest-free installment payment processing system for a long-term interest-free installment payment processing using a mobile according to an embodiment of the present invention.

2A and 2B illustrate a process of registering long-term interest-free installment payment processing request information in a non-face-to-face manner for a long-term interest-free installment payment processing using mobile according to an embodiment of the present invention.

3 is a diagram illustrating a non-face-to-face long-term interest-free installment payment processing system for a long-term interest-free installment payment processing using a mobile according to an embodiment of the present invention.

4A and 4B illustrate a process of registering long-term interest-free installment payment processing request information in a non-face-to-face manner for a long-term interest-free installment payment processing using mobile according to an embodiment of the present invention.

5 is a diagram illustrating a non-face-to-face long-term interest-free installment payment processing system for a long-term interest-free installment payment processing using a mobile according to an embodiment of the present invention.

6A and 6B illustrate a process of registering long-term interest-free installment payment processing request information in a non-face-to-face manner for a long-term interest-free installment payment processing using mobile according to an embodiment of the present invention.

<Description of main parts of drawing>

100: warranty server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: information storage unit

130: customer information extraction unit 135: insurance policy qualification screening unit

140: insurance policy issuance processing unit 145: loan agreement processing unit

150: payment processing unit 155: storage medium

160: communication company system 165: financial system

170: payment request terminal

The present invention includes the steps of authenticating and processing the customer in the assurance agency server when the customer wireless terminal is connected, receiving long-term interest-free installment payment processing request information transmitted from the customer wireless terminal in the assurance agency server, and the warranty. Issuing securities for the long-term interest-free installment payment processing payment guarantee of the customer at the institution server; providing the issued securities to the financial institution server at the guarantee institution server, and paying the long-term interest-free installment payment of the customer through the financial institution; It relates to a long-term interest-free installment payment processing method using a mobile comprising the step of requesting processing.

Due to the rapid development of modern society, auto installment and lease are becoming popular, and the recognition and preference for installment finance and lease are increasing day by day.

In addition, as consumers' demand for products that were difficult for consumers to purchase easily due to high prices, consumers are paying much attention to interest-free installment products.

In this situation, by providing customers with interest-free installment service through mobile, it created expensive home appliance market.However, if financial institutions that provide interest-free installment do not pay payment in time, financial institutions are in difficult situation. Faced.

An object of the present invention for solving the above problems is the step of authenticating the customer at the financial company server, when the customer wireless terminal is connected, and receives the long-term interest-free installment payment processing request information transmitted from the customer wireless terminal from the financial company server And requesting issuance of securities for the long-term non-interest payment installment payment processing payment guarantee of the customer from the financial institution server to the guarantee institution server, and at the financial institution server, the guarantee institution server charges the long-term interest-free installment payment processing price of the customer. When issuing a security for payment guarantee, after receiving the securities issuing information, it provides a long-term interest-free installment payment processing method using a mobile, including the step of executing a long-term interest-free installment payment processing of the customer.

The long-term interest-free installment payment processing method using the mobile according to the present invention includes the steps of authenticating the customer at the assurance agency server when the customer wireless terminal is connected, and the long-term interest-free installment payment transmitted by the customer wireless terminal at the assurance agency server. Receiving the processing request information, issuing a security for the long-term non-interest installment payment processing payment guarantee of the customer in the guarantee institution server, providing the issued securities at the guarantee institution server to a financial institution server, It characterized in that it comprises the step of requesting the long-term interest-free installment payment processing of the customer through the financial office.

On the other hand, the long-term interest-free installment payment processing method using a mobile according to the present invention, when the customer wireless terminal is connected, the financial institution server to authenticate the customer, and the long-term interest-free installment payment transmitted by the customer wireless terminal from the financial company server Receiving processing request information, requesting the issuance of securities for the long-term non-interest installment payment processing payment guarantee of the customer from the financial institution server to the guarantee institution server, and the guarantee institution server at the financial institution server at the financial institution server. Issuing a security for the interest-free installment payment processing payment guarantee, characterized in that it comprises the step of executing the long-term interest-free installment payment processing of the customer after receiving the securities issuing information.

On the other hand, the long-term interest-free installment payment processing method using a mobile according to the present invention, when the customer wireless terminal is connected, the service provider server authentication process, and the long-term interest-free installment payment transmitted by the customer wireless terminal from the carrier server Receiving processing request information, requesting the issuance of securities for the long-term non-interest payment installment payment processing guarantee of the customer from the telecommunication company server to the warranty agency server, and the warranty agency server at the telecommunication company server at the telecommunication company server. Issuing a security for the interest-free installment payment processing payment guarantee, characterized in that it comprises the step of executing the long-term interest-free installment payment processing of the customer after receiving the securities issuing information.

On the other hand, it includes a computer-readable recording medium recording a program for executing the above-mentioned long-term interest-free installment payment processing method using the mobile.

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. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. 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 a non-face-to-face long-term interest-free installment payment processing system for a long-term interest-free installment payment processing using a mobile according to an embodiment of the present invention.

In more detail, Figure 1 is a long-term interest-free installment payment processing system for a predetermined customer through a predetermined information registration interface, long-term non-interest using the mobile and long-term interest-free information including at least one or more customer information, installment application information for payment processing When the installment payment processing request information is provided, the long-term interest-free installment payment processing system stores the stored information in a predetermined storage medium 155 by linking the customer information and the installment application information included in the provided long-term interest-free payment processing request information. As a system configuration, those skilled in the art to which the present invention pertains, various implementations of the long-term interest-free installment payment processing system configuration for the long-term interest-free and installment payment processing using mobile by referring to or modifying the present Figure 1 It would be possible to infer a method, but the present invention It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more means for storing the long-term interest-free installment payment processing request information provided from the customer through the predetermined information registration interface on the storage medium 155 on the long-term interest-free installment payment processing system shown in FIG. Components corresponding to the functional configuration are referred to as "guarantee institution server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a long-term interest-free installment payment processing system for the long-term interest-free installment payment processing using the mobile, including at least one client terminal, including a wireless terminal used by the customer And a payment request terminal 170, wherein the payment request terminal 170 has a communication channel with a guarantee institution server 100 provided on the long-term interest-free installment payment processing system through a predetermined network means. Connected.

According to one embodiment of the invention, the customer is connected to the assurance agency server 100 through a client terminal including a wireless terminal connected to a predetermined wireless communication network, at least one provided by the assurance agency server 100 When the user inputs (or selects) the long-term interest-free installment payment processing request information for the long-term interest-free installment payment processing using the mobile through the above user interface, the client terminal is provided on the long-term interest-free installment payment processing system through a predetermined network means. It is preferable to transmit to the assurance agency server 100 provided.

Herein, the wireless terminal connected to the wireless communication network includes all terminal devices connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based mobile Internet, Motorola's DataTAC method, or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It is preferable to include at least one or more data communication terminals.

In addition, the assurance agency server 100 connected to the client terminal is either one of an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and the network means. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the assurance agency server 100 may be a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the assurance agency server 100, and inputs or selects at least one or more information through the user interface to transmit to the assurance agency server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the guarantee authority server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the features of the client terminal corresponding to at least one or more wireless terminals, a detailed description thereof will be omitted for convenience.

In the long-term interest-free installment payment processing system, a client terminal including at least one or more wireless terminals used by the customer, and at least one or more wireless communication networks connecting the client terminal and the assurance agency server 100 is the customer. It performs a function of the information registration interface for registering the long-term interest-free installment payment processing request information for the long-term interest-free installment payment processing using the mobile.

In the long-term interest-free installment payment processing system as described above, when the payment request terminal 170 is the automatic teller machine (not shown), the automatic teller machine (not shown) and the automatic teller machine (not shown) and the The financial network connecting the guarantee institution server 100 performs a function of an information registration interface for the customer to register the long-term interest-free installment payment processing request information for the long-term interest-free installment payment processing using the mobile, or the payment request When the terminal 170 is the call terminal (not shown), a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the guarantee institution server 100 may be used by the customer. Performs a function of an information registration interface for registering long-term interest-free installment payment processing request information for long-term interest-free installment payment processing; or In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution, which is the payment request terminal 170, the terminal (or server) (not shown) and the terminal (or server) (not shown). The network connecting the assurance agency server 100 performs a function of an information registration interface for registering the long-term interest-free installment payment processing request information for the customer for the long-term interest-free installment payment processing using the mobile.

The storage medium 155 provided on the long-term interest-free installment payment processing system according to the present invention stores the customer information and installment application information included in the long-term interest-free installment payment processing request information provided from the payment request terminal 170. The long term interest-free installment payment processing request information including at least one of the customer information and the installment request information stored in the storage medium 155 may be stored in a predetermined storage medium 155 by linkage processing. Used for long-term interest-free installment payment processing.

Preferably, the customer information includes a wireless terminal number of a customer connected to the assurance agency server 100 through the wireless terminal, and when the mobile phone number is provided, the customer information is linked with a communication company for the wireless terminal. It is preferable to extract.

In addition, the customer information is the personal information of the customer requesting the long-term interest-free installment payment processing using the mobile through the wireless terminal (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the customer Member information of (e.g., the customer D / B provided on the telecommunication company system 160 associated with the long-term interest-free installment payment processing system in response to the customer by subscribing to the financial transaction customer of the financial institution). And at least one or more of member ID information, or wireless terminal number).

The installment application information preferably includes at least one of installment month information, settlement amount information, settlement payment date information, and direct debit account information for requesting settlement settlement for the product when the customer purchases a predetermined product .

The guarantee institution server 100 provided on the long-term interest-free installment payment processing system according to the present invention is a generic term for the long-term interest-free installment payment processing system side components connected to the payment request terminal 170 through a predetermined network means. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the payment request terminal 170 is a client terminal including a wireless terminal connectable with an internet banking server on a predetermined internet banking system, the guarantee institution server 100 is the Internet banking system. Is a predetermined internet banking server provided on the server, a program provided in the internet banking server, or a predetermined server (or device) accessible to the external system of the financial system 165 through the internet banking system. A program provided in the server (or device), or a server (or device) provided in an external system on the financial system 165 accessible through the Internet banking server (or the server (or device)), Or it may be a program provided in the external system on the financial system 165, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the payment request terminal 170 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the guarantee institution server 100 may perform the wireless banking. A predetermined wireless banking server provided on the system, or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system 165 through the wireless banking system. A program included in the server (or device), or a server (or device) provided in an external system on the financial system 165 accessible through the wireless banking server (or the server (or device)), Or it may be a program provided in the external system on the financial system 165, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the payment request terminal 170 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the guarantee institution server 100 may perform the telebanking. Any telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, or a program included in the telebanking server, or an external system of the financial system 165 through the telebanking system. A server (or device) that is accessible to the server, a program included in the server (or device), or a destination on the financial system 165 accessible through the telebanking server (or the server (or device)). It may be a server (or device) provided in the alien, or a program provided in the external world on the financial system 165, whereby the present invention is not limited. The.

According to the embodiment of the present invention, the assurance agency server 100 is provided with an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the payment request terminal 170 through the network means. Characterized in that made.

According to another exemplary embodiment of the present invention, when the payment request terminal 170 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Or, if the client terminal is provided with a communication program (eg, IC chip-based banking program, etc.) provided by the guarantee authority server 100, the interface unit 105 and 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 payment request terminal 170 is a financial automatic device connected to a predetermined financial network, the interface unit 105 is 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 the automated teller machine 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 payment request terminal 170 is a call terminal (not shown) connected to a wireless telephone network, the interface unit 105 is based on a voice call protocol defined in the wireless telephone network. It is preferable to connect the communication terminal (not shown) and a predetermined communication path, and to provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 1, the assurance agency server 100 connects a communication channel with the assurance agency server 100 through a predetermined payment request terminal 170 through the interface unit 105, and then the interface unit ( In connection with 105, the payment request terminal 170 generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined long-term interest-free installment payment processing request information and transmitting the same. A predetermined long-term input (or selected) transmitted by the payment request terminal 170 through the user interface in conjunction with the interface providing unit 110 (or interface providing means) and the interface unit 105 provided with An information receiving unit 115 (or information receiving means) for receiving interest-free installment payment processing request information, and the customer information and installment included in the received long-term interest-free payment processing request information; The storage medium 155 stores insurance information issued in response to the long-term interest-free installment payment processing request information and loan information borrowed by the insurance as collateral processing by storing the stored information in a predetermined storage medium 155. And an information storage unit 125 (or information storage means) stored in the storage device.

The interface providing unit 110 is a predetermined payment request terminal 170 is connected to the guarantee authority server 100 through the interface unit 105, and then provided in the payment request terminal 170 In response to the functional configuration, a predetermined user interface capable of inputting (or selecting) the long-term interest-free installment payment processing request information and transmitting the information to the guarantee institution server 100 through the network means, or a predetermined database (shown in FIG. Omit), and provide the generated (or extracted) user interface to the payment request terminal 170 through the network means in association with the interface unit 105.

Thereafter, the payment request terminal 170 inputs (or selects) long-term interest-free installment payment processing request information including at least one of the customer information and the installment request information based on the user interface, and the input (or selection). The long-term interest-free installment payment processing request information is transmitted to the guarantee institution server 100 through the financial network.

When the payment request terminal 170 is a client terminal including a wireless terminal connected to a predetermined wireless communication network according to an embodiment of the present invention, the interface providing unit 110 is a browser program provided in the client terminal Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another embodiment of the present invention, when the payment request terminal 170 is a financial automation device connected to a predetermined financial network, the interface providing unit 110 is a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 105.

According to another exemplary embodiment of the present invention, when the payment request terminal 170 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the payment request terminal 170 is a call terminal (not shown) connected to a wireless telephone network, the interface providing unit 110 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 105. It is preferable.

At least one user for inputting (or selecting) the long-term interest-free installment payment processing request information to the payment request terminal 170 according to another embodiment of the present invention and transmitting it to the guarantee institution server 100 through the network means. When a predetermined information registration program having an interface is provided, the interface providing unit 110 for providing the user interface to the payment request terminal 170 may be omitted, and the present invention is not limited thereto.

The information receiving unit 115 inputs (or selects) long-term interest-free installment payment processing request information including at least one of customer information and installment request information through the user interface at the payment request terminal 170 to provide the network means. When transmitting through, the long-term interest-free installment payment processing request information in conjunction with the interface unit 105 is received, characterized in that the validity check unit 120 (or validity) By means of confirmation).

The validity confirming unit 120 checks whether the long-term interest-free installment payment processing request information received from the payment request terminal 170 satisfies the validity for the long-term interest-free installment payment processing using mobile.

According to an exemplary embodiment of the present invention, validity of the long-term interest-free installment payment processing request information includes the long-term interest-free installment payment processing system when the customer information included in the long-term interest-free installment payment processing request information is a number of a wireless terminal. Preferably, the storage medium 155 of the associated carrier system 160 includes checking whether at least one information matching the long-term interest-free payment processing request information is registered.

According to an embodiment of the present invention, the installment transaction request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption method, the validity confirming unit 120 converts the encrypted installment transaction request information into at least one decryption method (for example, a symmetric key-based decryption method and / or a corresponding message). Public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received installment transaction request information.

Alternatively, when a predetermined electronic signature is attached to the installment transaction request information, the validity confirming unit 120 checks the electronic signature attached to the installment transaction request information, thereby validating the validity of the received installment transaction request information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted installment transaction request information, and technical features for confirming an electronic signature attached to the installment transaction request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the installment transaction request information received through the information receiving unit 115 further includes a predetermined password for confirming the validity of the installment transaction request information, the validity confirming unit 120 ) Compares and authenticates the password included in the installment transaction request information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received installment transaction request information.

Alternatively, when the installment transaction request information received through the information receiver 115 further includes predetermined security card information for confirming the validity of the installment transaction request information, the validity confirming unit 120 determines It is preferable to authenticate the validity of the received installment transaction request information by comparing and authenticating the received security card information included in the installment transaction request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the installment transaction request information received through the information receiver 115 further includes a predetermined OTP code for confirming the validity of the installment transaction request information, the validity confirming unit 120 performs the installment. The validity of the received installment transaction request information is verified by comparing and authenticating the received OTP code included in the transaction request information with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

When the validity of the long-term interest-free installment payment processing request information is confirmed, the information storage unit 125 processes the customer information and installment application information included in the long-term interest-free payment processing request information in association with the storage medium 155. And the storage medium 155 is provided in the assurance agency server 100 or on the network associated with the assurance agency server 100. The customer information and payment request information included in the received long-term interest-free installment payment processing request information may be stored in the storage medium 155 in a cooperative process.

Referring to FIG. 1, the guarantee institution server 100 may include information about a long-term interest-free installment payment processing request information including customer information and payment request information provided by the payment request terminal 170. If provided, the customer information extraction unit 130 (or customer information extraction means) for extracting customer information corresponding to the radio terminal number in association with a predetermined communication company system 160, and the customer information extraction unit 130 Insurance policy qualification screening unit (135) (or insurance policy qualification screening means) for judging whether the insurance policy can be issued corresponding to the customer information or the customer information provided by the payment request terminal 170 and the insurance policy issuing examination unit Insurance policy issuance processing unit 140 (or insurance policy issuing processing means) for issuing and processing insurance policy corresponding to the customer information judged by the insurance policy issuing processing unit 140 Loan agreement processing unit 145 (or loan agreement processing means) for processing loans in connection with a predetermined financial institution (or affiliated financial institution) with collateralized insurance policy, and the loan money according to the loan agreement processing; It characterized in that it comprises a payment processing unit 150 for processing the payment of the product price to the seller for the purchased product.

When the customer information provided by the payment request terminal 170 comes to the number of the wireless terminal, the customer information extracting unit 130 checks the customer information corresponding to the wireless terminal number. And extracting customer information corresponding to the wireless terminal number from the telecommunication company system 160 in association with.

Alternatively, when the customer information provided by the payment request terminal 170 is the number of the wireless terminal, the customer information extracting unit 130 may display the customer information corresponding to the wireless terminal number of the guarantee institution server 100. The storage medium 155 may be registered in advance.

According to an exemplary embodiment of the present invention, the customer information extracting unit 130 has a contract for a business consultation between a guarantee agency provided with the assurance agency server 100 and a communication company, or a guarantee agency in the communication company. In the case where the customer information corresponding to the wireless terminal number is set to provide the information, the assurance agency server 100 performs the cooperative process with the communication company system 160 to receive the customer information corresponding to the received wireless terminal number. It is preferable.

According to another exemplary embodiment of the present invention, the customer information extraction unit 130 may be provided with customer information corresponding to the wireless terminal number of the customer in the storage medium 155 provided in the assurance agency server 100. In this case, it is preferable to extract the customer information corresponding to the radio terminal number without a separate system and associated processing.

The insurance policy qualification examination unit 135 is characterized in that it is possible to determine whether the insurance policy issuance corresponding to the customer information extracted from the customer information extraction unit 130 or the customer information provided by the payment request terminal 170.

According to the implementation method of the present invention, it is preferable that the qualification examination for issuance of the insurance policy is based on a credit evaluation result for the customer who requested the issuance of the insurance policy in connection with a predetermined credit rating agency. .

In addition, the qualification examination for issuance of the insurance policy is to determine whether the insurance policy is issued to the customer that meets the qualification requirements through a predetermined bylaw or the agreement, etc. in the assurance agency equipped with the assurance agency server 100 Preferably, it is characterized in that it is provided with an insurance policy issuance processing unit 140 to process the insurance policy issuance, if the issue is possible, in response to the inspection result of the insurance policy issuance review unit.

The loan agreement processing unit 145 is characterized in that the insurance policy issued by the insurance policy issuance processing unit 140 to secure the loan in connection with a predetermined financial institution (or affiliated financial institution) as collateral.

According to the embodiment of the present invention, the loan agreement processing unit 145 is connected to the financial system 165 provided in a predetermined financial institution linked to the guarantee institution server 100 through a communication network, and the financial system 165. It is preferable to conclude a loan agreement with the issued insurance policy collaterally in connection with the external system of the above) and provide a loan in accordance with the loan agreement.

2A and 2B illustrate a process of registering long-term interest-free installment payment processing request information in a non-face-to-face manner for a long-term interest-free installment payment processing using mobile according to an embodiment of the present invention.

2a and 2b show the case where the guarantee institution server 100 on the long-term interest-free installment payment processing system shown in FIG. 1 has a web server function to which a client terminal can be connected through a predetermined network means. The client terminal connects to the assurance agency server 100 and connects a communication channel for registering long-term interest-free installment payment processing request information according to the present invention, and then to the assurance agency server 100 through the communication channel. When the long-term interest-free installment payment processing request information including the customer information and the installment application information is transmitted, the customer information included in the long-term interest-free installment payment processing request information and the installment application information are received by the guarantee institution server 100. As an embodiment of the present invention relates to a method of storing a predetermined storage medium 155 in a cooperative process. Those skilled in the art will be able to infer various implementation methods for registering the long-term interest-free installment payment processing request information from the client terminal to the guarantee institution server 100 by referring to or modifying the drawings 2a and 2b. The present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 2A and 2B.

2A and 2B, the client terminal shown in FIG. 1 is referred to as a "terminal" for convenience, and the assurance agency server 100 shown in FIG. 1 is referred to as a "server" for convenience, and the client terminal The customer information, the payment request information transmitted to the guarantee institution server 100 is referred to as "long-term interest and payment payment request information" for convenience.

2A and 2B, the client terminal shown in FIG. 1 uses predetermined network means (e.g., a CDMA based mobile communication network or an IEEE 802.16x based portable Internet, etc.) when the client terminal is a wireless terminal. Connecting to a predetermined communication channel for registering the long-term interest-free installment payment processing request information by accessing the server through the server, and requesting registration of the long-term interest-free installment payment processing request information for the long-term interest-free installment payment processing using the mobile ( 200, the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the long-term interest-free installment payment processing request information (205), and generates (or extracts) the data through the communication channel. The web page is transmitted to the terminal and output (210).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) long-term interest-free payment processing request information including at least one of the customer information and the payment request information in the terminal. desirable.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the long-term interest-free installment payment processing request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) long-term interest-free installment payment processing request information including at least one or more customer information and installment application information through the information registration interface (215).

Preferably, the customer information includes a wireless terminal number of a customer connected to the assurance agency server 100 through the wireless terminal, and when the mobile phone number is provided, the customer information is linked with a communication company for the wireless terminal. It is preferable to extract.

In addition, the customer information is the personal information of the customer requesting the long-term interest-free installment payment processing using the mobile through the wireless terminal (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the customer Member information of (e.g., the customer D / B provided on the telecommunication company system 160 associated with the long-term interest-free installment payment processing system in response to the customer by subscribing to the financial transaction customer of the financial institution). And at least one or more of member ID information, or wireless terminal number).

The installment application information may include at least one or more installment month information, payment amount information, installment payment date information, and automatic transfer account information for requesting an installment payment for the product while the customer purchases a predetermined product. .

If the terminal receives (or selects) long-term interest-free installment payment processing request information including the customer information and installment application information through the information registration interface (220), the terminal inputs (or The selected customer information and the installment application information are transmitted to the server (225).

According to an embodiment of the present invention, transmitting the input (or selection) of customer information and installment request information to the server through the communication channel is a long-term interest-free installment payment input (or selection) through the information registration interface. The method may further include transmitting a digital signature or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the customer information and the installment request information through the communication channel to check the validity of the long-term interest-free payment processing request information (230).

According to an embodiment of the present invention, the installment transaction request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity confirming unit 120 may convert the encrypted installment transaction request information into at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme. Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, or the like, to authenticate validity of the received installment transaction request information.

Alternatively, when a predetermined electronic signature is attached to the installment transaction request information, the validity confirming unit 120 checks the electronic signature attached to the installment transaction request information, thereby validating the validity of the received installment transaction request information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted installment transaction request information, and technical features for confirming an electronic signature attached to the installment transaction request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the installment transaction request information received through the information receiving unit 115 further includes a predetermined password for confirming the validity of the installment transaction request information, the validity confirming unit 120 ) Compares and authenticates the password included in the installment transaction request information with a password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received installment transaction request information.

Alternatively, when the installment transaction request information received through the information receiver 115 further includes predetermined security card information for confirming the validity of the installment transaction request information, the validity confirming unit 120 determines It is preferable to authenticate the validity of the received installment transaction request information by comparing and authenticating the received security card information included in the installment transaction request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the installment transaction request information received through the information receiver 115 further includes a predetermined OTP code for confirming the validity of the installment transaction request information, the validity confirming unit 120 performs the installment. The validity of the received installment transaction request information is verified by comparing and authenticating the received OTP code included in the transaction request information with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

According to an embodiment of the present invention, checking the validity of the long-term interest-free installment payment processing request information may include: when the long-term interest-free installment payment processing request information is electronically signed or encrypted through a security module provided in the terminal, And decoding the long-term interest-free installment payment processing request information or decoding the long-term interest-free installment payment processing request information.

According to an exemplary embodiment of the present invention, validity of the long-term interest-free installment payment processing request information includes the long-term interest-free installment payment processing system when the customer information included in the long-term interest-free installment payment processing request information is a number of a wireless terminal. Preferably, the storage medium 155 of the associated carrier system 160 includes checking whether at least one information matching the long-term interest-free payment processing request information is registered.

If the validity of the long-term interest-free installment payment processing request information is not authenticated (235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (240), and the long-term interest-free installment The information registration procedure corresponding to the payment processing request information is not performed.

On the other hand, if the validity of the long-term interest-free installment payment processing request information is authenticated (235), the server performs an information registration procedure corresponding to the long-term interest-free installment payment processing request information, thereby linking the customer information and the installment application information. The data is stored in a predetermined storage medium 155 (245).

Thereafter, the server generates a web page including predetermined information registration history information and transmits the web page to the terminal (250), and checks whether the customer information provided by the terminal is a wireless terminal number (255).

If the wireless terminal number (260), the server extracts customer information corresponding to the wireless terminal number in conjunction with the carrier system 160 (265).

According to an exemplary embodiment of the present invention, the server may be configured to provide customer information corresponding to a wireless terminal number to a guarantee institution when a contract for a business agreement is concluded between a guarantee agency provided with the server and a communication company. If it is set to provide, it is preferable that the server receives the customer information corresponding to the received radio terminal number by performing cooperative processing with the communication company system 160.

According to another exemplary embodiment of the present invention, when the server is provided with the customer information corresponding to the wireless terminal number of the customer in the storage medium 155 provided in the server, without a separate system and associated processing, It is preferable to extract customer information corresponding to the radio terminal number.

Thereafter, the server examines eligibility for insurance policy issuance in response to the long-term interest-free installment payment processing request information including customer information and installment application information (270).

According to the implementation method of the present invention, it is preferable that the qualification examination for issuance of the insurance policy is based on a credit evaluation result for the customer who requested the issuance of the insurance policy in connection with a predetermined credit rating agency. .

In addition, the qualification examination for issuance of the insurance policy, it is preferable that the assurance agency provided with the server to examine the possibility of issuance of insurance policy for the customer that meets the qualification requirements through a predetermined bylaw or the agreement.

If it is not possible to issue (275), the server generates a web page including the reason for the non-issuance according to the non-issuable and transmits it to the terminal (280), the insurance corresponding to the long-term interest-free installment payment processing request information Do not carry out securities issuance procedures.

On the other hand, if issuable (275), the server is collateral with a predetermined financial system 165 as collateral for the insurance policy issued in response to the long-term interest-free installment payment processing request information including the customer information, installment application information The loan is processed (285), and the loan is then paid to the seller who sold the item.

3 is a diagram illustrating a non-face-to-face long-term interest-free installment payment processing system for a long-term interest-free and installment payment processing using mobile according to an embodiment of the present invention.

In more detail, Figure 3 is a long-term interest-free installment payment processing system for a predetermined customer through a predetermined information registration interface long-term non-interest using the mobile and long-term interest that includes at least one or more customer information, installment application information for the payment payment processing When the installment payment processing request information is provided, the long-term interest-free installment payment processing system combines the customer information and installment application information included in the provided long-term interest-free installment payment processing request information and stores it in a predetermined storage medium 340 As a system configuration, those skilled in the art to which the present invention pertains, various implementations of the long-term interest-free installment payment processing system configuration for the long-term interest-free and installment payment processing using mobile by referring to or modifying the present invention It would be possible to infer a method, but the present invention It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more means for storing the long-term interest-free installment payment processing request information provided from the customer through the predetermined information registration interface on the storage medium 340 on the long-term interest-free installment payment processing system shown in FIG. Components corresponding to the functional configuration are referred to as " communication server 300 " for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, a long-term interest-free installment payment processing system for the long-term interest-free and installment payment processing using the mobile includes at least one client terminal or the like including a wireless terminal used by a customer. And a payment request terminal 355, wherein the payment request terminal 355 is connected to a communication server server 300 provided on the long-term interest-free installment payment processing system through a predetermined network means. do.

According to an embodiment of the present invention, the customer connects to the communication company server 300 through a client terminal including a wireless terminal connected to a predetermined wireless communication network, and at least one user provided by the communication company server 300. Entering (or selecting) the long-term interest-free installment payment processing request information for the long-term interest-free installment payment processing using the mobile through an interface, the client terminal is provided on the long-term interest-free installment payment processing system through a predetermined network means. It is preferable to transmit to the communication company server 300.

Here, the wireless terminal connected to the wireless communication network may be any terminal device connected to a CDMA (Code Division Multiple Access) -based mobile communication network, or a terminal device connected to the IEEE 802.16x based portable Internet, a DataTAC method of Motorola or a Mobitex A generic term for all terminal devices connected to a wireless data communication network, wherein a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular Terminal (Personal Digital Cellular) is connected to the CDMA-based mobile communication network. Cellular; PDC or PHS (Personal Handyphone System) terminal or Personal Digital Assistant (PDA) or smart phone (Smart Phone) or Telematics (telematics), or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, Or none connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

The communication company server 300 connected to the client terminal may be either an Internet banking server, a wireless banking server, a telephone banking server, or a TV banking server depending on the characteristics of the client terminal and network means, It is preferable to include a separate web server.

In addition, the network means for connecting the client terminal and the carrier server 300 is a CDMA-based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication network connected to the client terminal It is preferable that any one of the communication networks, or a wireless communication network of all kinds proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the telecommunication company server 300, and inputs or selects at least one or more information through the user interface to transmit to the telecommunication company server 300 (E.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the communication company server 300, etc.) are preferably provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the client terminal corresponding to at least one or more wireless terminals, a detailed description thereof will be omitted for convenience.

In the long-term interest-free installment payment processing system, a client terminal including at least one or more wireless terminals used by the customer, and at least one wireless communication network connecting the client terminal and the telecommunication company server 300 is the customer It performs a function of the information registration interface for registering the long-term interest-free installment payment processing request information for the long-term interest-free installment payment processing using the mobile.

In the long-term interest-free installment payment processing system as described above, when the payment request terminal 355 is the automatic teller machine (not shown), the automatic teller machine (not shown) and the automatic teller machine (not shown) and the The financial network connecting the communication company server 300 performs a function of an information registration interface for registering the long-term interest-free installment payment processing request information for the customer long-term interest-free installment payment processing using the mobile, or the payment request terminal When 355 is the call terminal (not shown), the wireless terminal network connecting the call terminal (not shown) and the call terminal (not shown) and the telecommunication company server 300 may be used by the customer for the mobile device. Performs a function of an information registration interface for registering long-term interest-free installment payment processing request information for interest-free installment payment processing, or In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the payment request terminal 355, the terminal (or server) (not shown) and the terminal (or server) (not shown) The network connecting the communication server server 300 performs a function of an information registration interface for registering the long-term interest-free installment payment processing request information for the customer long-term interest-free installment payment processing using the mobile.

The storage medium 340 provided on the long-term interest-free installment payment processing system according to the present invention stores the customer information and installment application information included in the long-term interest-free installment payment processing request information provided from the payment request terminal 355. The long term interest-free installment payment processing request information including at least one of the customer information and the installment request information stored in the storage medium 340 may be stored in a predetermined storage medium 340. Used for long-term interest-free installment payment processing.

Preferably, the customer information includes a wireless terminal number of a customer connected to a communication company server 300 through the wireless terminal, and when receiving a mobile phone number, extracts customer information in connection with a communication company for the wireless terminal. It is desirable to.

In addition, the customer information is the personal information of the customer requesting the long-term interest-free installment payment processing using the mobile through the wireless terminal (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the customer Member information of (e.g., the customer D / B 345 provided on the storage medium 340 of the telecommunications company server 300 in response to the customer by joining the financial transaction customer of the financial institution) And at least one or more member ID information or radio terminal number).

The installment application information preferably includes at least one of installment month information, settlement amount information, settlement payment date information, and direct debit account information for requesting settlement settlement for the product when the customer purchases a predetermined product .

The carrier server 300 provided on the long-term interest-free installment payment processing system according to the present invention is a generic term for the long-term interest-free installment payment processing system side components connected to the payment request terminal 355 through a predetermined network means. It may be implemented by including at least one or more servers (or devices), or may be implemented by at least one or more programs recorded on a recording medium provided to a predetermined server (or device), and thus the present invention is not limited thereto.

According to the embodiment of the present invention, the communication company server 300 includes an interface unit 305 (or interface means) for connecting and managing a predetermined communication channel with the payment request terminal 355 through the network means. Characterized in that made.

According to another exemplary embodiment of the present invention, when the payment request terminal 355 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 uses a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 305 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a 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 communication company server 300, the interface unit 305 communicates with the client terminal based on the CDMA 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 payment request terminal 355 is a financial automatic device connected to a predetermined financial network, the interface unit 305 is 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 the automated teller machine 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 payment request terminal 355 is a call terminal (not shown) connected to a wireless telephone network, the interface unit 305 is based on a voice call protocol defined in the wireless telephone network. It is preferable to connect the communication terminal (not shown) and a predetermined communication path, and to provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 3, the communication company server 300 connects a communication channel with the communication company server 300 through a predetermined payment request terminal 355 through the interface unit 305, and then the interface unit 305. In conjunction with the payment request terminal 355 generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined long-term interest-free payment processing request information and providing it to the payment request terminal 355. The long-term interest-free installment that is input (or selected) transmitted by the payment request terminal 355 through the user interface in conjunction with the interface providing unit 310 (or interface providing means) and the interface unit 305. Information receiving unit 315 (or information receiving means) for receiving payment processing request information, the customer information included in the received long-term interest-free installment payment processing request information, payment request Information storage unit 325 (or) for storing the information on the insurance policy issued in response to the long-term interest-free installment payment processing request information in the storage medium 340 by linking processing information; Information storage means).

The interface providing unit 310 is a function provided in the payment request terminal 355 after a predetermined payment request terminal 355 connects the communication channel with the communication company server 300 through the interface unit 305. In response to the configuration, a predetermined user interface capable of inputting (or selecting) the long-term interest-free installment payment processing request information to be transmitted to the telecommunication company server 300 through the network means, or a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 305 to the payment request terminal 355 through the network means.

Thereafter, the payment request terminal 355 inputs (or selects) long-term interest-free installment payment processing request information including at least one of the customer information and the installment request information based on the user interface, and the input (or selection). The long-term interest-free installment payment processing request information is transmitted to the communication company server 300 through the financial network.

According to an embodiment of the present invention, if the payment request terminal 355 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser program provided in the client terminal or It is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the payment request terminal 355 is a financial automatic device connected to a predetermined financial network, the interface providing unit 310 is a financial transaction related program provided in the financial automatic device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 305.

According to another exemplary embodiment of the present invention, when the payment request terminal 355 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the payment request terminal 355 is a call terminal (not shown) connected to a wireless telephone network, the interface providing unit 310 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 305. desirable.

According to another embodiment of the present invention, at least one or more users inputting (or selecting) the long-term interest rate installment payment processing request information to the payment request terminal 355 and transmitting the information to the telecommunication company server 300 through the network means. When a predetermined information registration program having an interface is provided, the interface providing unit 310 for providing the user interface to the payment request terminal 355 may be omitted, and the present invention is not limited thereto.

The information receiving unit 315 inputs (or selects) long-term interest-free installment payment processing request information including at least one of customer information and installment request information through the user interface at the payment request terminal 355 to provide the network means. When transmitting through, the long-term interest-free installment payment processing request information is received in conjunction with the interface unit 305, the validity check unit 320 (or validity) By means of confirmation).

The validity confirming unit 320 checks whether the long-term interest-free installment payment processing request information received from the payment request terminal 355 satisfies the validity for the long-term interest-free installment payment processing using mobile.

According to the method of the present invention, the validity of the long-term interest-free installment payment processing request information is stored on the carrier server 300 when the customer information included in the long-term interest-free installment payment processing request information is the number of a wireless terminal. Preferably, the medium 340 includes checking whether at least one information matching the long term and installment payment processing request information is registered.

According to an embodiment of the present invention, the installment transaction request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption method, the validity confirming unit 320 converts the encrypted installment transaction request information into at least one decryption method (eg, a symmetric key-based decryption method and / or corresponding to the encryption method). Public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received installment transaction request information.

Alternatively, when a predetermined electronic signature is attached to the installment transaction request information, the validity verification unit 320 checks the electronic signature attached to the installment transaction request information, thereby validating the validity of the received installment transaction request information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted installment transaction request information, and technical features for confirming an electronic signature attached to the installment transaction request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the installment transaction request information received through the information receiving unit 315 further includes a predetermined password for confirming the validity of the installment transaction request information, the validity confirming unit 320 ) Compares and authenticates the password included in the installment transaction request information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received installment transaction request information.

Alternatively, when the installment transaction request information received through the information receiver 315 further includes predetermined security card information for confirming the validity of the installment transaction request information, the validity confirming unit 320 includes the It is preferable to authenticate the validity of the received installment transaction request information by comparing and authenticating the received security card information included in the installment transaction request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the installment transaction request information received through the information receiver 315 further includes a predetermined OTP code for confirming the validity of the installment transaction request information, the validity confirming unit 320 performs the installment. Validity of the received installment transaction request information by comparing and authenticating the received OTP code included in the transaction request information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

When the validity of the long-term interest-free installment payment processing request information is confirmed, the information storage unit 325 processes the customer information and installment application information included in the long-term interest-free payment processing request information in association with the storage medium 340. The storage medium 340 is provided in the communication company server 300, or when provided on a network associated with the communication company server 300, the information storage unit 325 is the Preferably, the long-term interest-free installment payment processing request information included in the customer information and the installment application information are processed and stored in the storage medium 340.

Referring to FIG. 3, the telecommunication company server 300 is an insurance policy contract processing unit 330 (or insurance) for signing an insurance policy contract for a long-term interest-free installment payment processing for a customer who purchased the product. A securities contract processing means) and a payment processing unit for paying a predetermined seller of goods at a telecommunication company equipped with the telecommunication company server 300 as collateral when issuing an insurance policy corresponding to the insurance policy contract processing result; 335 (or payment processing means) is provided.

The insurance policy contract processing unit 330 is characterized in that the insurance policy contract for a long-term interest-free installment payment processing for the customer who purchased the product with a predetermined guarantee institution, when the insurance policy contract is concluded with Information about the issued insurance policy is preferably stored in the storage medium 340 in association with the information storage unit 325.

According to the implementation method of the present invention, the insurance contract processing unit 330 is at least one customer information, installment month information, payment information for insurance policy contract for long-term interest-free installment payment processing for the customer who purchased the product When providing insurance policy contract request information including, it is preferable to conclude an insurance contract in response to the insurance policy contract request information, and provide the conclusion result to the telecommunication company server 300.

Here, it is preferable that the customer information extracts customer information by checking the customer D / B 345 provided in the communication company server 300 corresponding to the wireless terminal number provided from the customer.

The payment processing unit 335, in response to the insurance policy issuance result processed by the insurance policy contract processing unit 330, it is preferable to pay the payment amount for the long-term interest-free installment payment processing to the goods seller when the insurance policy is issued Do.

4A and 4B illustrate a process of registering long-term interest-free installment payment processing request information in a non-face-to-face manner for a long-term interest-free installment payment processing using mobile according to an embodiment of the present invention.

In more detail, FIGS. 4A and 4B show a case in which the carrier server 300 on the long-term interest-free installment payment processing system shown in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. The client terminal accesses the communication company server 300 and connects a communication channel for registering long-term interest-free installment payment processing request information according to the present invention, and then the customer information to the communication company server 300 through the communication channel. When the long-term interest-free installment payment processing request information including the installment application information is transmitted, the communication service server server 300 interoperates with the customer information included in the received long-term interest-free payment processing request information and the installment application information. As an embodiment of the method for storing in the storage medium 340 of the present invention, the general knowledge in the art 4, and 4b, various implementation methods for registering the long-term interest-free installment payment processing request information from the client terminal to the telecommunication company server 300 may be inferred. Includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 4A and 4B.

4A and 4B, the client terminal shown in FIG. 3 is referred to as a " terminal " for convenience, and the communication company server 300 shown in FIG. 3 is referred to as a " server " for convenience. The customer information and the installment application information transmitted to the telecommunication company server 300 are referred to as "long-term interest and installment payment processing request information" for convenience.

4A and 4B, the client terminal shown in FIG. 3 uses predetermined network means (e.g., a CDMA based mobile communication network, or an IEEE 802.16x based portable Internet, etc.) when the client terminal is a wireless terminal. Connecting to a predetermined communication channel for registering the long-term interest-free installment payment processing request information by accessing the server through the server, and requesting registration of the long-term interest-free installment payment processing request information for the long-term interest-free installment payment processing using the mobile ( 400, the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the long-term interest-free installment payment processing request information (405), and generates (or extracts) the data through the communication channel. The web page is transmitted to the terminal and output (410).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) long-term interest-free payment processing request information including at least one of the customer information and the payment request information in the terminal. desirable.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the long-term interest-free installment payment processing request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) long-term interest-free installment payment processing request information including at least one or more customer information and installment application information through the information registration interface (415).

Preferably, the customer information includes a wireless terminal number of a customer connected to a communication company server 300 through the wireless terminal, and when receiving a mobile phone number, extracts customer information in connection with a communication company for the wireless terminal. It is desirable to.

In addition, the customer information is the personal information of the customer requesting the long-term interest-free installment payment processing using the mobile through the wireless terminal (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the customer Member information of (e.g., the customer D / B 345 provided on the telecommunication company system associated with the long-term interest-free installment payment processing system in response to the customer by subscribing to the financial transaction customer of the financial institution). And at least one or more of member ID information, or wireless terminal number).

The installment request information may include at least one or more installment month information, payment amount information, installment payment date information, and automatic transfer system account information for requesting an installment payment for the product while the customer purchases a predetermined product. Do.

If the terminal inputs (or selects) long-term interest-free payment processing request information including the customer information and the installment application information through the information registration interface (420), the terminal inputs the input (or The selected customer information and the installment application information are transmitted to the server (425).

According to an embodiment of the present invention, transmitting the input (or selection) of customer information and installment request information to the server through the communication channel is a long-term interest-free installment payment input (or selection) through the information registration interface. The method may further include transmitting a digital signature or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the customer information and the installment request information through the communication channel to check the validity of the long-term interest-free payment processing request information (430).

According to an embodiment of the present invention, the installment transaction request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption method, the validity confirming unit 320 converts the encrypted installment transaction request information into at least one decryption method (eg, a symmetric key-based decryption method, and / or the like) corresponding to the encryption method. Public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received installment transaction request information.

Alternatively, when a predetermined electronic signature is attached to the installment transaction request information, the validity verification unit 320 checks the electronic signature attached to the installment transaction request information, thereby validating the validity of the received installment transaction request information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted installment transaction request information, and technical features for confirming an electronic signature attached to the installment transaction request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the installment transaction request information received through the information receiving unit 315 further includes a predetermined password for confirming the validity of the installment transaction request information, the validity confirming unit 320 ) Compares and authenticates the password included in the installment transaction request information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received installment transaction request information.

Alternatively, when the installment transaction request information received through the information receiver 315 further includes predetermined security card information for confirming the validity of the installment transaction request information, the validity confirming unit 320 includes the It is preferable to authenticate the validity of the received installment transaction request information by comparing and authenticating the received security card information included in the installment transaction request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the installment transaction request information received through the information receiver 315 further includes a predetermined OTP code for confirming the validity of the installment transaction request information, the validity confirming unit 320 performs the installment. The validity of the received installment transaction request information is verified by comparing and authenticating the received OTP code included in the transaction request information with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

According to an embodiment of the present invention, checking the validity of the long-term interest-free installment payment processing request information may include: when the long-term interest-free installment payment processing request information is electronically signed or encrypted through a security module provided in the terminal, And decoding the long-term interest-free installment payment processing request information or decoding the long-term interest-free installment payment processing request information.

According to an exemplary embodiment of the present invention, validity of the long-term interest-free installment payment processing request information includes the long-term interest-free installment payment processing system when the customer information included in the long-term interest-free installment payment processing request information is a number of a wireless terminal. Preferably, the storage medium 340 of the associated telecommunication company system includes checking whether at least one or more information matching the long-term interest-free payment processing request information is registered.

If the validity of the long-term interest-free installment payment processing request information is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (440), and the long-term interest-free installment The information registration procedure corresponding to the payment processing request information is not performed.

On the other hand, if the validity of the long-term interest-free installment payment processing request information is authenticated (435), the server performs an information registration procedure corresponding to the long-term interest-free installment payment processing request information, thereby linking the customer information and the installment application information. The storage medium 340 is stored in the predetermined storage medium 340 (445).

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (450), and checks whether the customer information provided by the terminal is a wireless terminal number (455).

If the wireless terminal number (460), the server extracts the customer information corresponding to the wireless terminal number from the customer D / B (345) (465).

According to an exemplary embodiment of the present invention, when the server D / B 345 is provided with customer information corresponding to the customer's wireless terminal number, the server is connected to the wireless terminal number without a separate system and associated processing. It is desirable to extract the corresponding customer information.

According to another exemplary embodiment of the present invention, when the customer D / B 345 is provided in a separate server managed by a separate telecommunication company, the server corresponds to the wireless terminal number in connection with the system. It is preferable to extract.

The server requests the issuance of an insurance policy in association with the guarantee institution system 350 (470).

Thereafter, the assurance agency system 350 examines whether the insurance policy can be issued (475).

According to the implementation method of the present invention, it is preferable that the qualification examination for issuance of the insurance policy is based on a credit evaluation result for the customer who requested the issuance of the insurance policy in connection with a predetermined credit rating agency. .

If it is impossible to issue an insurance policy (480), the guarantee institution system 350 transmits the error information including the reason for non-issuance to the server (485), and includes the received error information at the server. A web page is generated (or extracted) and transmitted to the terminal (495).

On the other hand, if it is possible to issue an insurance policy (480), the insurance institution system 350 transmits the insurance policy information issued in response to the long-term interest-free installment payment processing request information to the server (490), and the issued by the server Payment of goods corresponding to the insurance policy is processed (499).

5 is a diagram illustrating a non-face-to-face long-term interest-free installment payment processing system for a long-term interest-free installment payment processing using a mobile according to an embodiment of the present invention.

In more detail, Figure 5 is a long-term interest-free installment payment processing system for a predetermined customer through a predetermined information registration interface for a long-term interest-free installment payment processing using the mobile information including at least one or more information When the interest-free installment payment processing request information is provided, the long-term interest-free installment payment processing system stores the stored information in a predetermined storage medium 550 by linking the customer information and the installment application information included in the provided long-term interest-free payment processing request information. As a system configuration for those who have ordinary knowledge in the art to which the present invention pertains, various examples regarding the long-term interest-free installment payment processing system configuration for the long-term interest-free and installment payment processing using mobile by referring to or modifying the drawing 5 It would be possible to infer the implementation method, but the present invention It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more means for storing the long-term interest-free installment payment processing request information provided from the customer through the predetermined information registration interface on the storage medium 550 on the long-term interest-free installment payment processing system shown in FIG. Components corresponding to the functional configuration are referred to as "financial institution server 500" for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, a long-term interest-free installment payment processing system for the long-term interest-free and installment payment processing using the mobile includes at least one client terminal or the like including a wireless terminal used by a customer. And a payment request terminal 570, wherein the payment request terminal 570 communicates with the financial institution server 500 provided on the long-term interest-free installment payment processing system through a predetermined network means. This is connected.

According to an embodiment of the present invention, the customer connects to the financial institution server 500 through a client terminal including a wireless terminal connected to a predetermined wireless communication network, and at least one provided by the financial institution server 500. When the user inputs (or selects) the long-term interest-free installment payment processing request information for the long-term interest-free installment payment processing using the mobile through the above user interface, the client terminal is provided on the long-term interest-free installment payment processing system through a predetermined network means. It is preferable to transmit to the financial institution server 500 provided.

Herein, the wireless terminal connected to the wireless communication network includes all terminal devices connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based mobile Internet, Motorola's DataTAC method, or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or No connection to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the financial institution server 500 connected to the client terminal is either an internet banking server, a wireless banking server, a telebanking server, a TV banking server, or the information registration according to the characteristics of the client terminal and the network means. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the financial institution server 500 may be a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial institution server 500, and inputs or selects at least one or more information through the user interface to transmit to the financial institution server 500. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial institution server 500, etc.) is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the client terminal corresponding to at least one or more wireless terminals, a detailed description thereof will be omitted for convenience.

In the long-term interest-free installment payment processing system, a client terminal including at least one or more wireless terminals used by the customer, and at least one wireless communication network connecting the client terminal and the financial institution server 500 is the customer. It performs a function of the information registration interface for registering the long-term interest-free installment payment processing request information for the long-term interest-free installment payment processing using the mobile.

In the long-term interest-free installment payment processing system as described above, when the payment request terminal 570 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the The financial network connecting the financial institution server 500 performs a function of an information registration interface for registering the long-term interest-free installment payment processing request information for the customer for the long-term interest-free installment payment processing using the mobile, or the payment request When the terminal 570 is the call terminal (not shown), the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial institution server 500 may be used by the customer. Performs a function of an information registration interface for registering long-term interest-free installment payment processing request information for long-term interest-free installment payment processing; or In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the payment request terminal 570, the terminal (or server) (not shown) and the terminal (or server) (not shown) The network connecting the financial institution server 500 performs a function of an information registration interface for registering the long-term interest-free installment payment processing request information for the customer for the long-term interest-free installment payment processing using the mobile.

The storage medium 550 provided on the long-term interest-free installment payment processing system according to the present invention stores the customer information and installment application information included in the long-term interest-free installment payment processing request information provided from the payment request terminal 570. The long-term interest-free installment payment processing request information including at least one or more of the customer information and the installment request information stored in the storage medium 550 may be stored in a predetermined storage medium 550. Used for long-term interest-free installment payment processing.

Preferably, the customer information includes a wireless terminal number of a customer connected to the financial institution server 500 through the wireless terminal, and when the mobile phone number is provided, the customer information is linked with a communication company for the wireless terminal. It is preferable to extract.

In addition, the customer information is the personal information of the customer requesting the long-term interest-free installment payment processing using the mobile through the wireless terminal (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the customer Member information (e.g., in a customer D / B provided on the telecommunication company system 555 associated with the long-term interest-free installment payment processing system in response to the customer by joining the customer as a financial transaction customer of the financial institution). And at least one or more of member ID information, or wireless terminal number).

The installment application information includes at least one or more installment month information, payment amount information, installment payment date information, automatic transfer account information, and goods seller information for requesting an installment payment for the product while the customer purchases a predetermined product. It is preferable to make.

The financial institution server 500 provided on the long-term interest-free installment payment processing system according to the present invention is a generic term for the components of the long-term interest-free installment payment processing system side connected to the payment request terminal 570 through a predetermined network means. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the payment request terminal 570 is a client terminal including a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the financial institution server 500 may be configured to use the Internet banking system. Is a predetermined Internet banking server provided on the program, a program provided in the Internet banking server, or a predetermined server (or device) accessible to the external system of the financial system 560 through the Internet banking system; A program included in the server (or device), or a server (or device) provided in the external world on the financial system 560 accessible through the Internet banking server (or the server (or device)), or It may be a program provided in the external system on the financial system 560, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the payment request terminal 570 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 500 may use the wireless banking. A predetermined wireless banking server provided on the system, a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system 560 through the wireless banking system. A program included in the server (or device), or a server (or device) included in an external system on the financial system 560 accessible through the wireless banking server (or the server (or device)), Or it may be a program provided in the external system on the financial system 560, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the payment request terminal 570 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 500 may use the telebanking service. Any telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, or a program included in the telebanking server, or an external system of the financial system 560 through the telebanking system. A server on the financial system 560 that is accessible to the server (or device), a program on the server (or device), or accessible through the telebanking server (or the server (or device)). It may be a server (or device) provided in the alien, or a program provided in the external world on the financial system 560, whereby the present invention is not limited. The.

According to an embodiment of the present invention, the financial institution server 500 includes an interface unit 505 (or interface means) for connecting and managing a predetermined communication channel with the payment request terminal 570 through the network means. Characterized in that made.

According to another exemplary embodiment of the present invention, when the payment request terminal 570 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 505 uses a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal based on the above, and to provide 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. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 505 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a 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 financial institution 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 payment request 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 the automated teller machine and using a communication protocol defined in a financial transaction related program included in the automated teller machine. Do.

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

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

Referring to FIG. 5, the financial institution server 500 connects a communication channel with the financial institution server 500 through a predetermined payment request terminal 570 through the interface unit 505. In operation 505, the payment request terminal 570 generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined long-term interest-free installment payment processing request information and transmitting the information. The interface providing unit 510 (or an interface providing unit) provided in the above, and interworking with the interface unit 505, transmits a predetermined (or selected) input from the payment request terminal 570 through the user interface and transmits the same. An information receiving unit 515 (or information receiving means) for receiving long-term interest-free installment payment processing request information, and the customer information and installment included in the received long-term interest-free payment processing request information. The application information is linked and stored in a predetermined storage medium 550, or insurance policy information issued in response to the long-term interest-free installment payment processing request information, and loan information borrowed by the insurance as the storage medium 550. And an information storage unit 525 (or information storage means) stored in the storage device.

The interface providing unit 510 is provided in the payment request terminal 570 after a predetermined payment request terminal 570 connects a communication channel with the financial institution server 500 through the interface unit 505. In response to the functional configuration, a predetermined user interface capable of inputting (or selecting) the long-term interest-free installment payment processing request information and transmitting it to the financial institution server 500 through the network means, or a predetermined database (shown in FIG. Omit) and provide the generated (or extracted) user interface to the payment request terminal 570 through the network means in association with the interface unit 505.

Thereafter, the payment request terminal 570 inputs (or selects) long-term interest-free payment processing request information including at least one of the customer information and the installment request information based on the user interface, and then inputs (or selects) the payment information. The long-term interest-free installment payment processing request information is transmitted to the financial institution server 500 through the financial network.

According to an embodiment of the present invention, when the payment request terminal 570 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 510 is a browser program provided in the client terminal or It is preferable to generate (or extract) a predetermined user interface that can be provided by 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 payment request terminal 570 is a financial automation device connected to a predetermined financial network, the interface providing unit 510 is a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 505.

According to another embodiment of the present invention, when the payment request terminal 570 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 510 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a program or 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 payment request terminal 570 is a call terminal (not shown) connected to a wireless telephone network, the interface providing unit 510 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 505. desirable.

At least one user for inputting (or selecting) the long-term interest-free installment payment processing request information to the payment request terminal 570 according to another embodiment of the present invention and transmitting it to the financial institution server 500 through the network means. When a predetermined information registration program having an interface is provided, the interface providing unit 510 for providing the user interface to the payment request terminal 570 may be omitted, and the present invention is not limited thereto.

The information receiving unit 515 inputs (or selects) long-term interest-free installment payment processing request information including at least one of customer information and installment request information through the user interface at the payment request terminal 570 to provide the network means. When transmitting through, the long-term interest-free installment payment processing request information is received in conjunction with the interface unit 505, the validity check unit 520 (or validity) By means of confirmation).

The validity confirming unit 520 is configured to check whether the long-term interest-free installment payment processing request information received from the payment request terminal 570 satisfies the validity for the long-term interest-free installment payment processing using mobile.

According to an exemplary embodiment of the present invention, validity of the long-term interest-free installment payment processing request information includes the long-term interest-free installment payment processing system when the customer information included in the long-term interest-free installment payment processing request information is a number of a wireless terminal. Preferably, the storage medium 550 of the associated telecommunication company system 555 includes checking whether at least one or more pieces of information matching the long-term interest-free payment processing request information are registered.

According to an embodiment of the present invention, the installment transaction request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption scheme, the validity verification unit 520 may convert the encrypted installment transaction request information into at least one decryption scheme (eg, a symmetric key-based decryption scheme, and / or the like) corresponding to the encryption scheme. Public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received installment transaction request information.

Alternatively, when a predetermined electronic signature is attached to the installment transaction request information, the validity verification unit 520 verifies the validity of the received installment transaction request information by checking the electronic signature attached to the installment transaction request information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted installment transaction request information, and technical features for confirming an electronic signature attached to the installment transaction request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the installment transaction request information received through the information receiving unit 515 further includes a predetermined password for confirming the validity of the installment transaction request information according to an embodiment of the present invention, the validity confirming unit 520 ) Compares and authenticates the password included in the installment transaction request information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received installment transaction request information.

Alternatively, when the installment transaction request information received through the information receiver 515 further includes predetermined security card information for confirming the validity of the installment transaction request information, the validity confirming unit 520 may determine the validity of the installment transaction request information. It is preferable to authenticate the validity of the received installment transaction request information by comparing and authenticating the received security card information included in the installment transaction request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the installment transaction request information received through the information receiver 515 further includes a predetermined OTP code for confirming the validity of the installment transaction request information, the validity confirming unit 520 may install the installment transaction request information. The validity of the received installment transaction request information is verified by comparing and authenticating the received OTP code included in the transaction request information with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

When the validity of the long-term interest-free installment payment processing request information is confirmed, the information storage unit 525 processes the customer information and installment application information included in the long-term interest-free payment processing request information in association with the storage medium 550. And the storage medium 550 is provided in the financial institution server 500 or on the network associated with the financial institution server 500. The customer information and installment request information included in the received long-term interest-free installment payment processing request information are preferably stored in the storage medium 550.

Referring to FIG. 5, the financial institution server 500 provides the customer information as a wireless terminal number in the long-term interest-free installment payment processing request information including the customer information and the installment request information provided by the payment request terminal 570. If necessary, the customer information extraction unit 530 (or customer information extraction means) for extracting the customer information corresponding to the wireless terminal number in connection with a predetermined communication company system 555, and the long-term for the customer who purchased the product An insurance policy contract processing unit 535 (or an insurance policy contract processing unit) for concluding an insurance policy contract for interest-free installment settlement processing with a predetermined guarantee institution, and the insurance policy processed by the policy contract processing unit 535 Loan agreement processing unit 540 (or loan agreement processing means) for processing the loan through the financial system 560 associated with the financial institution server 500, and loans according to the loan agreement processing Characterized in that obtained by having a payment processing section 545 for processing payment of purchase price to the seller for product that the customer purchased.

When the customer information provided by the payment request terminal 570 comes to the number of the wireless terminal, the customer information extracting unit 530 checks the customer information corresponding to the wireless terminal number. And customer information corresponding to the wireless terminal number is extracted from the telecommunication company system 555 in association with the wireless terminal number.

Alternatively, when the customer information provided by the payment request terminal 570 is a number of a wireless terminal, the customer information extractor 530 stores the customer information corresponding to the wireless terminal number of the financial institution server 500. The media 550 may be registered in advance.

According to the exemplary embodiment of the present invention, the customer information extracting unit 530 has a contract for a business consultation between a financial institution provided with the financial institution server 500 and a communication company, or a financial institution in the communication company. If the customer information corresponding to the wireless terminal number is set to provide, the financial institution server 500 to process the connection with the communication company system 555 to receive the customer information corresponding to the received wireless terminal number It is preferable.

According to another exemplary embodiment of the present invention, the customer information extraction unit 530 may be provided with customer information corresponding to the wireless terminal number of the customer in the storage medium 550 provided in the financial institution server 500. In this case, it is preferable to extract the customer information corresponding to the radio terminal number without a separate system and associated processing.

The insurance policy contract processing unit 535 is characterized in that the insurance policy contract for a long-term interest-free installment payment processing for the customer who purchased the product with a predetermined guarantee institution, when the insurance policy contract is concluded with the guarantee institution The information on the issued insurance policy is preferably stored in the storage medium 550 in association with the information storage unit 525.

According to the implementation method of the present invention, the insurance policy contract processing unit 535 is at least one or more customer information, installment month information, payment information for insurance policy contract for long-term interest-free installment payment processing for the customer who purchased the product When providing insurance policy contract request information including, it is preferable to conclude an insurance contract in response to the insurance policy contract request information, and provide the conclusion result to the telecommunication company server.

Here, it is preferable that the customer information extracts customer information by checking the customer D / B provided in the communication company server corresponding to the wireless terminal number provided from the customer.

The loan agreement processing unit 540 is characterized in that the insurance policy issued by the insurance policy issuance processing unit loans in connection with a predetermined financial institution (or affiliated financial institutions) as collateral.

According to the implementation method of the present invention, the loan agreement processing unit 540 is connected to the financial system 560 provided in a predetermined financial institution connected to the financial institution server 500 through a communication network, the financial system 560 It is preferable to conclude a loan agreement with the issued insurance policy collaterally in connection with the external system of the above) and provide a loan in accordance with the loan agreement.

6A and 6B illustrate a process of registering long-term interest-free installment payment processing request information in a non-face-to-face manner for a long-term interest-free installment payment processing using mobile according to an embodiment of the present invention.

6a and 6b show a case where the financial institution server 500 on the long-term interest-free installment payment processing system shown in FIG. 5 has a web server function to which a client terminal can be connected through a predetermined network means. The client terminal connects to the financial institution server 500 and connects a communication channel for registering long-term interest-free installment payment processing request information according to the present invention, and then connects to the financial institution server 500 through the communication channel. When the long-term interest-free installment payment processing request information including the customer information and the installment request information is transmitted, the customer information included in the received long-term interest-free installment payment processing request information and the installment application information are transmitted from the financial institution server 500. As an embodiment of the present invention relates to a method of storing a predetermined storage medium 550 in a cooperative process. Those skilled in the art will be able to infer various implementation methods for registering the long-term interest-free installment payment processing request information from the client terminal to the financial institution server 500 by referring to or modifying the drawings 6a and 6b. The present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 6A and 6B.

6A and 6B, the client terminal shown in FIG. 5 is referred to as a " terminal " for convenience, and the financial institution server 500 shown in FIG. 5 is referred to as a " server " The customer information and payment request information transmitted to the financial institution server 500 is referred to as "long-term interest and payment payment request information" for convenience.

6A and 6B, the client terminal shown in FIG. 5 uses predetermined network means (e.g., a CDMA-based mobile communication network or an IEEE 802.16x-based portable Internet, etc.) when the client terminal is a wireless terminal. Connecting to a predetermined communication channel for registering the long-term interest-free installment payment processing request information by accessing the server through the server, and requesting registration of the long-term interest-free installment payment processing request information for the long-term interest-free installment payment processing using the mobile ( 600), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the long-term interest-free installment payment processing request information (605), and generates (or extracts) the data through the communication channel. The web page is transmitted to the terminal and output (operation 610).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) long-term interest-free installment payment processing request information including at least one of the customer information and installment application information in the terminal. Is preferred.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the long-term interest-free installment payment processing request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) long-term interest-free installment payment processing request information including at least one or more customer information and installment application information through the information registration interface (615).

Preferably, the customer information includes a wireless terminal number of a customer connected to the financial institution server 500 through the wireless terminal, and when the mobile phone number is provided, the customer information is linked with a communication company for the wireless terminal. It is preferable to extract.

In addition, the customer information is the personal information of the customer requesting the long-term interest-free installment payment processing using the mobile through the wireless terminal (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the customer Member information of (e.g., the customer D / B provided on the telecommunication company system 555 associated with the long-term interest-free installment payment processing system corresponding to the customer by subscribing to the financial transaction customer of the financial institution). And at least one or more of member ID information, or wireless terminal number).

The installment application information preferably includes at least one of installment month information, settlement amount information, settlement payment date information, and direct debit account information for requesting settlement settlement for the product when the customer purchases a predetermined product .

If the terminal inputs (or selects) long-term interest-free payment processing request information including the customer information and the installment application information through the information registration interface (620), the terminal inputs (or selects) the communication channel through the communication channel. The selected customer information and the installment application information are transmitted to the server (625).

According to an embodiment of the present invention, transmitting the input (or selection) of customer information and installment request information to the server through the communication channel is a long-term interest-free installment payment input (or selection) through the information registration interface. The method may further include transmitting a digital signature or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the customer information and the installment request information through the communication channel to check the validity of the long-term interest-free installment payment processing request information (630).

According to an embodiment of the present invention, the installment transaction request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption scheme, the validity verification unit 520 may convert the encrypted installment transaction request information into at least one decryption scheme (eg, a symmetric key-based decryption scheme, and / or the like) corresponding to the encryption scheme. Public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received installment transaction request information.

Alternatively, when a predetermined electronic signature is attached to the installment transaction request information, the validity verification unit 520 verifies the validity of the received installment transaction request information by checking the electronic signature attached to the installment transaction request information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted installment transaction request information, and technical features for confirming an electronic signature attached to the installment transaction request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the installment transaction request information received through the information receiving unit 515 further includes a predetermined password for confirming the validity of the installment transaction request information according to an embodiment of the present invention, the validity confirming unit 520 ) Compares and authenticates the password included in the installment transaction request information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received installment transaction request information.

Alternatively, when the installment transaction request information received through the information receiver 515 further includes predetermined security card information for confirming the validity of the installment transaction request information, the validity confirming unit 520 may determine the validity of the installment transaction request information. It is preferable to authenticate the validity of the received installment transaction request information by comparing and authenticating the received security card information included in the installment transaction request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the installment transaction request information received through the information receiver 515 further includes a predetermined OTP code for confirming the validity of the installment transaction request information, the validity confirming unit 520 may install the installment transaction request information. The validity of the received installment transaction request information is verified by comparing and authenticating the received OTP code included in the transaction request information with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

According to an embodiment of the present invention, checking the validity of the long-term interest-free installment payment processing request information may include: when the long-term interest-free installment payment processing request information is electronically signed or encrypted through a security module provided in the terminal, And decoding the long-term interest-free installment payment processing request information or decoding the long-term interest-free installment payment processing request information.

According to an exemplary embodiment of the present invention, validity of the long-term interest-free installment payment processing request information includes the long-term interest-free installment payment processing system when the customer information included in the long-term interest-free installment payment processing request information is a number of a wireless terminal. Preferably, the storage medium 550 of the associated telecommunication company system 555 includes checking whether at least one or more pieces of information matching the long-term interest-free payment processing request information are registered.

If the validity of the long-term interest-free installment payment processing request 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 the long-term interest-free installment The information registration procedure corresponding to the payment processing request information is not performed.

On the other hand, if the validity of the long-term interest-free installment payment processing request information is authenticated (635), the server performs an information registration procedure corresponding to the long-term interest-free payment processing request information, thereby linking the customer information and the installment application information. The process is stored in a predetermined storage medium 550 (645).

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (650), and checks whether the customer information provided by the terminal is a wireless terminal number (655).

If it is a wireless terminal number (660), the server extracts customer information corresponding to the wireless terminal number in association with the carrier system 555 (665).

According to an exemplary embodiment of the present invention, the server may provide customer information corresponding to a wireless terminal number to a financial institution when a contract for a business agreement is concluded between a financial institution equipped with the server and a communication company, or the communication company. If it is set to provide, it is preferable that the server receives the customer information corresponding to the received radio terminal number by the cooperative process with the communication system (555).

According to another exemplary embodiment of the present invention, the server is provided with the customer information corresponding to the wireless terminal number of the customer in the storage medium 550 provided in the server, without a separate system and associated processing, It is preferable to extract customer information corresponding to the radio terminal number.

The server requests an insurance policy issuing in association with the guarantee institution system 565 (670).

Thereafter, the guarantee institution system 565 determines whether an insurance policy can be issued (675).

According to the implementation method of the present invention, it is preferable that the qualification examination for issuance of the insurance policy is based on a credit evaluation result for the customer who requested the issuance of the insurance policy in connection with a predetermined credit rating agency. .

If it is impossible to issue an insurance policy (680), the guarantee institution system 565 transmits the error information including the reason for non-issuance to the server (685), and includes the received error information at the server. A web page is generated (or extracted) and transmitted to the terminal (695).

On the other hand, if it is possible to issue an insurance policy (680), the guarantee institution system 565 transmits the insurance policy information issued in response to the long-term interest-free installment payment processing request information to the server to process the loan as collateral. (690).

Thereafter, the server processes the payment for the goods corresponding to the issued insurance policy (699).

According to the present invention, in the process of providing long-term interest-free installment in the process of providing interest-free installment including insurance policy in the guarantee agency, there is an advantage that can reduce the risk received from the financial institution that provides interest-free installment.

In addition, due to the increasing number of companies providing long-term interest-free installment benefits, there is an advantage that the product market for various expensive products such as home appliances can be activated.

Claims (5)

delete In the method that the financial institution server handles long-term interest-free installment payment, Authenticating, by the financial company server, the customer through terminal information of a customer connected to the financial company server; Receiving long-term interest-free installment payment request information from the terminal of the customer; Transmitting a request message requesting issuance of an insurance policy for converting and executing a long-term interest-free installment payment of the customer into a mortgage loan; And When an insurance policy contract is concluded according to the request message and the insurance policy is issued, after receiving insurance policy issuance information issued by the guarantee institution server, the insurance policy is secured through a financial system linked with the financial company server. The long-term interest-free installment payment processing method using a mobile, characterized in that comprising the step of executing the long-term interest-free installment payment with the loan in accordance with the loan commitment processing for the long-term interest-free installment payment. delete delete delete

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