KR100980154B1 - System for rescuing who has bad credit - Google Patents

Abstract

The present invention relates to a system for resolving credit defects, which provides only a creditor and a long-term delinquent member through the network as a plurality of members, and provides a means for each member to deposit a predetermined amount into an escrow account for a predetermined period. A predetermined amount of the accumulated amount is allocated to the specific member who satisfies the predetermined condition as a prize money, and the prize money allocated to the specific member that satisfies the predetermined condition is transferred from the escrow account to the creditor account that manages the debt of the specific member. To repay debts first. This provides the effect that people who are currently classified as potential creditors due to bad credit or long term delinquency can help each other and repay their debts on their own.

Bad Credit, Relief, Earn, Win, Total, Lottery

Description

Bad Credit Relief System {System for rescuing who has bad credit}

The present invention generally relates to a system for relieving creditors, and more particularly, by allowing creditors to cooperate with one another to get out of credit status, allowing debtors to easily voluntarily reimburse and maximize creditors' interests. To a new bad credit relief system.

Generally, a bad credit person cannot use various financial institutions, for example, if a person who receives a loan from a financial institution by credit card or other means fails to repay the loan within a time limit, specifically, if the amount overdue by more than 300,000 won is overdue for three months or more. In other words, a person who suffers disadvantages such as restricted credit and employment. However, the legal sanctions on bad creditors have not had a positive effect on improving the bad credit status, but have resulted in a significant increase in bad creditors. As a result, legally explicit credit defaulters have been abolished, but the financial sector's restraint on credit defaults continues. In the present invention, the term "credit bad" or "credit bad person" is assumed to include a person who is in a certain sanctioned state or in such a state, even though he is not a legal creditor, who has a certain amount of debt that is overdue to the financial sector. .

At present, there are no problems with the rehabilitation system of creditors. After all, bad credit people have to live with it for the rest of their lives. The repayment period and the improvement of the individual rehabilitation system itself do not help the creditors. The bigger problem is that the number of bad guys in their teens and thirties increases. 51.8% of all creditors are mass-produced in their teens and 30s. As of March 2008, there are more than 7 million credit defects nationwide, and the amount of bad debt owed to more than 5,000 financial institutions nationwide exceeds 100 trillion won. Currently, bad creditors are severely restricted in all social activities, including work and personal business and loans from financial institutions. There is a second financial sector that lends loans to creditors. However, due to the high interest rate and the side effects, they fall back to creditors. Currently, it is difficult to support systematic credit recovery, and the poor in their teens and early 20s do not have a job to repay their debts because they do not have a job, and they do not have the opportunity to repay their debts.

Since such credit problems are seriously nationally troubled, efforts have been made to remedy them, for example, by national pensions, and techniques for relieving creditors through networks have been proposed. For example, in the publication of Korean Patent Registration No. 10-0487493 (Registration date: April 26, 2005), "Network-based bad debt post-management system, the recording medium recording the program source", the debtor and the creditor are connected online. The technology that manages part of the debts to be returned to society while allowing the debtor to have a willingness to pay back by allowing some of the bad debts to be reimbursed in cash and the rest to be returned to society through public service. It is.

However, such conventional resolving of bad debts or bad credit remedies are merely adjusting and managing the relationship between a specific debtor and a specific creditor, so that it is not changed to impose a specific debt to a specific debtor, which is actually too expensive to repay. Therefore, there was a problem that this method had a limitation in debt repayment. Furthermore, in returning part of the debt to society, it is applicable only to the bad debts under certain conditions, and in the case of a small amount of debts, it is difficult to apply because of the large disadvantage of the creditors.

Thus, there is still a need for new forms of credit relief that will allow debtors to voluntarily easily pay off, while at the same time maximizing the interests of their creditors.

The present invention is designed to improve the conventional network-based credit failure system, and has a long-term or short-term delinquent debt to financial institutions, financially or socially disadvantaged creditors and others cooperate with each other for a predetermined amount of money for a predetermined period of time. The aim is to provide a new bad credit relief system that allows the debtor to easily repay voluntarily and at the same time maximize the interests of the creditors by making the debts and repayment of the debts.

This object is achieved by a bad credit relief system or method provided by the present invention.

The bad credit relief system provided in accordance with an aspect of the present invention, through the network only a bad credit person having a delinquency record to a particular financial institution to register as a plurality of members, each member can provide a means for depositing a predetermined amount A credit failure relief system server that provides and manages to allocate a specific member as a winnings from the accumulated amount to use the credit member to solve the credit failure; A member terminal that accesses the credit relief system server through the network, provides a personal information, and interacts with the credit relief system server to pay a predetermined amount; An escrow system server that is connected to the bad credit relief system server and manages an account for accumulating the predetermined amount paid on the server through the member terminal; And a creditor system server that manages to repay preferentially the debt of the specific member from an account managed by the escrow system server for the amount of at least a portion of the winnings allocated to the specific member that satisfies the predetermined condition.

In a preferred embodiment, the crediting means that the credit relief system server provides each member to pay a predetermined amount is configured such that the member makes a predetermined payment or purchase a certain number of lotteries, In this case, the amount of payments or lottery purchases that each member can pay may be determined according to the debt amount of the member.

In a preferred embodiment, the bad credit relief system server manages the member's debt through personal information indicating the member's own credit status provided from the member in the process of registering only the bad credit and the financial delinquent member as a plurality of members through a network. Confirming from the creditor system server of the specific financial institution, updating personal information that is changed in the course of the earning means subscribed to by the member, and repaying the debt of the specific member from an account managed by the escrow system server It is configured to include a member personal information database for updating the case changes.

In a preferred embodiment, the bad credit system server provides a plurality of types of systems to which each of the plurality of members can subscribe, and a predetermined number of times for a predetermined payment period by a member who subscribes to each system. It provides a means for earning a predetermined amount, and is configured to allocate a predetermined amount as a winnings to the returned members according to the sequence number automatically determined at the time of joining each system.

In a preferred embodiment, the system provided by the bad credit relief system server, a plurality of members to join the system and make a payment of the system, each of the members of the subscription system is determined the order number at the time of subscription, the first order To pay the members of the system at a predetermined time, and to allocate the winning prizes automatically calculated according to the predetermined ratio of the remaining total reserves of the system to the successful bidders determined among the remaining remaining number of turners by the system server It is composed.

In a preferred embodiment, the system provided by the bad credit relief system server 15 allows a plurality of members to subscribe to the system and make a payment of the system, and each system member is assigned a sequence number at the time of joining the system. In this case, the average amount of the debts of the members who have made the payment in respect of the total reserves of the system will be allocated to the members at least once in order as winnings.

In a preferred embodiment, the member may simultaneously join a plurality of systems within a predetermined number, in which case the amount paid to repay the member's own debt from the sum of the winnings of the plurality of systems subscribed to by the member. Is less than or equal to the member's total debt.

In a preferred embodiment, the bad credit relief system server provides a plurality of types of lottery tickets each of which can be purchased by a plurality of members, and a member who purchased each kind of lottery ticket each predetermined lottery winner draw time Is determined as a winning lottery for each of the at least one lottery ticket, and allocates a predetermined lottery amount as a winning prize to the member who purchased the determined winning lottery ticket.

In a preferred embodiment, the member may simultaneously purchase a plurality of types of lottery tickets within a predetermined number, in which case the plural lottery tickets purchased by the member are selected from the sum of the sums of the winnings that can be allocated if the member wins. The amount paid to pay off your debt is less than or equal to your total debt.

In a preferred embodiment, the total amount of the winnings allocated in the system or lottery provided to the member by the credit relief system server is used to activate the member's motivation and participation in the credit system. The amount determined by the member is greater than the member's respective debt amount, which ensures that the member who is assigned the winnings through the lottery or the lottery can fully repay his or her debt and make additional profits.

In addition, the method for resolving a credit failure provided in accordance with another aspect of the present invention is a credit failure remedy method implemented as a computer program driven by a credit repayment system server that can be accessed by a terminal of a credit failure through a network. Joining a plurality of members who are bad creditors through the network through interaction with a terminal connected via the network in 15); Providing a crediting process for each member to pay an escrow account managed by a third party system for a predetermined period of time through interaction with a terminal connected through a network to the server; Allocating a predetermined amount of money accumulated in the server as a winnings to a specific member satisfying a predetermined condition; Interacting with the third party system to reimburse the winnings allocated to the particular member satisfying the predetermined condition from the escrow account to the creditor account managed by the financial institution system managing the debt of the specific member at the server; Include.

In a preferred embodiment, the step of subscribing a plurality of members who are poor creditors through the network by the server, confirms the personal information provided by the member from the financial institution system managing the debt of the member. It includes a step.

The present invention as described above allows creditors to cooperate with each other to earn a certain amount for a predetermined period of time and to repay debts from the reserves, so that the debtor can easily repay voluntarily and at the same time maximize the creditor's interests. Provide effect.

Hereinafter, with reference to the accompanying drawings will be described in detail a specific example of the bad credit relief system according to the present invention.

1 is a schematic diagram showing a configuration of a credit failure relief system according to an embodiment of the present invention, Figure 2 is a flow chart showing the steps of a credit failure relief method according to an embodiment of the present invention. Figure 3 is a schematic diagram illustrating the type of system that a member can select in the bad credit relief system according to an embodiment of the present invention. 4 and 5 are schematic diagrams illustrating a lottery method that a member can select in the bad credit relief system according to an embodiment of the present invention.

The bad credit relief system provided by the present invention allows a number of bad credit members to accumulate a small amount for a certain period of time, for example, via a network such as the Internet. Payables, which are guaranteed to be used solely for the settlement of credit losses. As a result, creditors cooperate with each other to earn a certain amount of money for a certain period of time and repay debts from these reserves, providing a means for debtors to easily and voluntarily repay their debts, while at the same time maximizing the interests of creditors. have.

As shown in FIG. 1, the bad credit relief system 10 according to an embodiment of the present invention includes a bad credit relief system server 15, a member terminal 11, an escrow system server 17, and a creditor. It may include a system server 19.

The credit relief system server 15 provides a credit relief service according to the present invention by joining a plurality of members who are creditors through a network, which may be, for example, the Internet, for example, on a website. This credit relief service provides a means for each member to pay a certain amount for a certain period of time, and allocates a certain amount of the accumulated amount as a prize to a specific member who meets a predetermined condition, thereby providing credit for the member. Use it to solve the defect.

In a preferred embodiment, the credit relief system server 15 is configured to manage a member personal information database that stores personal information for each member. The member personal information database stores personal information indicating the member's own credit status provided by the member to the server 15 using the terminal 11 in the process of initially joining a plurality of members who are poor creditors through the network. In the membership registration step, the server 15 transfers the personal information provided by the member from the credit information management company's system which manages the member's debt or the creditor system server 19 of the specific financial institution, for example, the debt amount and the debt repayment condition. can confirm. To this end, the rescue system server 15 is connected to the creditor system server 19 by a communication network such as the Internet or a leased line. In addition, the personal information stored in the member personal information database may change until the member completely repays the debt and leaves the credit status. The relief system server 15 may change the member personal information database in order to update the personal information that is changed in the earning process for repaying the debt through the earning means provided by the server 15. In addition, the relief system server 15 may change the member personal information database in order to update a change in debt amount or credit status when the debt of the specific member is repaid from the account managed by the escrow system server 17.

The member terminal 11, for example, runs a web browser that can access a website, for example, through a network such as the Internet, so that a member who is a credit defector connects to the credit failure relief system server 13 and provides predetermined information. Make a payment. The member terminal 11 may be, for example, a computer system such as a laptop or desktop with wireless or wired internet connection, or a portable personal terminal with wireless internet connection.

The escrow system server 17 is a third party system that is connected to the credit relief system server 15 and manages an account for accumulating the predetermined amount paid on the server 15 through the member terminal 11. The escrow system server 17 ensures that the amount accumulated by the member is used for the repayment of the member's debt, rather than being passed directly to the credit relief service provider. That is, the amount accumulated by the member is credited to the escrow account managed by the escrow system server 17 which is a third party. Thereafter, the prize money paid to the member is not immediately transferred from the escrow account to the member's account. The prize money is first transferred from the escrow account to the account of the member's creditor, for example, a financial institution, in order to repay the debt of the member. If the prize money is still used to repay the debt, it will be transferred from the escrow account to the member's account. As such, escrow system server 17 acts as a third party to monitor and ensure transparency and fairness of the credit relief service provided by the present invention.

The creditor system server 19 is informed by the debt related information provided by each member at the membership registration stage, and the credit failure relief system server 15 is the creditor system server 19 based on the debt related information. You can consult with and decide on a schedule for repaying debts. The creditor system server 19 may be connected to the credit relief system server 19 to receive a report on the debtor's earning activity, and determine a debt repayment schedule deemed appropriate according to the debtor's activity.

The creditor system server 19 may also include a credit bureau. Here, the credit rating agencies collectively refer to institutions that evaluate the credit of companies and individuals in Korea, and affiliated credit rating agencies belonging to financial institutions.

As described above, the prize money allocated to a specific member is transferred from an escrow account managed by the escrow system server 17 to an account managed by the creditor system server 19. When the creditor system server 19 receives the winnings, the creditor system server 19 first manages to repay the debt of the corresponding member. If there is a remaining amount of money to be used for debt repayment or a fixed amount to be paid directly to the debtor at a predetermined rate, it may be transferred to the account of the member who is the debtor. The debt repayment process and the result can be immediately notified from the escrow system server 17 and the creditor system server 19 to the credit relief system server 15.

In particular, in the preferred embodiments of the present invention, the means of credit provided by the credit relief system server 15 to a plurality of members having a debt amount overdue to a creditor, i. Or it may be in the form of a lottery. That is, in the case of the account type, a predetermined amount may be accumulated by the member for a predetermined period and the predetermined amount may be allocated as a winning amount according to the order. Alternatively, in the case of a lottery format, the member may purchase a lottery ticket of a predetermined amount for a predetermined period of time and allocate a winning amount of the lottery to a specific member according to a predetermined criterion.

As shown in Figs. 2 and 3, in the preferred embodiment of the present invention using the scheme, the credit relief system server 15 is provided with a plurality of members each of which a plurality of members can join during a predetermined subscription period. Provide the type of system. Examples of the kind of system provided are illustrated in FIG. 3.

For example, if you look at the type of system that set a minimum of $ 1 million and a period of 7 days, for each member of the system for a certain period, the order number is assigned by the automatic numbering program, for example. Once per day, members will be allocated a winnings of 1 million won in turn. For example, a member who joins the system can earn a small amount of the amount of the system, for example, 1,000 won, and the amount of the system is accumulated until the prize money is 1 million won even after receiving the winnings in turn. Can be continued. In the present invention, the system may be in the form of a general accumulation system, or may use the form of a successful bid system. In a preferred embodiment, a member may simultaneously subscribe to a plurality of systems within a predetermined number, in which case the amount paid to reimburse the member's own debt from the sum of the winnings of the plurality of systems subscribed to by the member It is less than or equal to the member's total debt.

In other words, in the present invention, a member ID may be issued to a member. A member can make a payment with his or her ID. To distinguish the types of systems that can be used according to the present invention, for example, the 'mutual help system' that a member can freely join regardless of his or her debt amount, and the 'member' that can join according to his / her debt amount It can be divided into 'debt classification system'.

In addition, the mutual help system, which can be freely registered, can be paid again in the same way as the general order, and the other way is to pay the wages by turn and pay 5-10% of the total accumulated amount. You can also run it in a way that makes you win. Thus, the kind of system which can be used by this invention is not specifically limited. If the winnings are allocated by turn, the period of return of the turn may be set to, for example, 7 days, 15 days, 30 days, 60 days, 90 days, 120 days, ..., and the like. Those skilled in the art will readily understand that there is no need to be particularly limited.

Meanwhile, in the case of the 'debt classification system', which can be subscribed to according to the member's debt amount, the payment is made according to the general order form, and the remaining members receive a bid, for example, 5-10% of the total amount accumulated. Can be operated in a manner.

In the present invention, the period, frequency and amount of payment of the system payment amount are determined in advance. For example, it can be determined that payment can be made only once a day, and that the amount paid, that is, the amount cannot exceed 1000 won. In the case of the mutual help system, payments can be made for each day, and in the case of the debt amount classification system, payments can be made to the system that meets their debt amount by 1,000 won once a day. For example, it can be determined that up to six mutual aids and up to one in the debt amount classification system can be added. In this case, if the payment is made to all possible accounts, the mutual help system divided by a total of six periods may be paid, and if the member pays one debt classification system corresponding to the individual's debt, the member pays a day. The total amount to be done can be 7,000 won.

When operating the mutual help system, the general system operation method is borrowed, and the member can select the type of the system according to the period and pay the funds to receive the winnings in turn. In this case, the member who has been paid for the benefit must pay the funds until the account is completely extinguished for the remaining members. The relief system server 15 will notify the future payment schedule and the number of times when the debt repayment of the member is completed.

Another way of operating a mutual aid system is that when a member receives payment in turn and the debt repayment is completed, the membership of the system is automatically lost when the debt repayment is completed, so that the remaining funds will not be paid thereafter. In contrast, a mixed scheme of turntable and winning bidders can be applied. For example, a plurality of members join the account and make a payment, but each order member is assigned a turn order at the time of joining the account, and the first turn is paid to the first turn member at a predetermined time. Afterwards, the winning winnings automatically calculated according to a predetermined ratio among the remaining total reserves of the corresponding system are allocated to the successful bidders determined among the remaining remaining turners by the system server 15.

In other words, the first payment is made in the order number method, and 5-10% of the accumulated funds (variable) can be earned and the next turn number can be operated by a method (end of the actual system). The next turnover is then distributed to the remaining turnovers by way of distribution of proceeds generated during the operation of the system (final successful bidder operation). If the member who has benefited from the turn and auction fails to fully repay the amount of the debt, the point at which the turnover is made becomes effective. If the payment is made and the payment is stopped, the order of the first payment is pushed down to the order of the next payment, but the winning bidder is included in the account of the payment made at that time and may be operated separately from the order.

As the system of the system continues to operate continuously, the next waiter of the next system may overlap, and the maintenance of membership may vary due to the difference in individual debt amount. If you need to propose a method that works well), you can improve it. Since this method is related to the intention of paying the creditors and the condition of the property, it will be an effective and best way to operate the system if it is operated in parallel with the first method.

As described above, in the determination of the winning amount, that is, the amount of payment, the determination of the amount of payment according to the order is allocated to the total amount of money accumulated and distributed to a certain amount, that is, if the total amount of money is 100 million won according to the order It is possible to determine the amount of payment by one million won. Alternatively, it is possible to allocate the debt of the waiting persons to the fixed amount and distribute it to a certain amount, that is, if the average waiting amount of the waiting persons is 500,000 won, the debtor's debt amount can be determined from the total amount of the accumulated amount of 100 million won. . In the present invention, the decision can be made by appropriately applying these two methods. On the other hand, it is preferable to determine the amount of payment by a successful bid because it is possible to make the decision evenly in consideration of the number of accountants so that there is no problem in equity.

On the other hand, the total amount of winnings allocated in the system provided to the member by the bad credit relief system server 15 is the amount of each debt of the members who use the system to activate the motivation and participation of the bad credit relief system. It is desirable to determine a higher amount, such as 30% more than the amount of each debt. This guarantees that members who are allocated with winnings through the system or lottery can fully repay their debts and can profit from additional benefits.

Alternatively, in the method of determining the winnings, it is also possible to pay the amount of money by averaging the debt amount of the members who have paid the total amount of the system. For example, if the payment is made to the 7-day period, which is purely periodic, the total reserve is 100 million, and the total of 100,000 members of the account is calculated. Pay by In other words, if the average of personal debt of members is 1 million won, it can be paid in sequence for the amount of 100 million won (10% of the total reserve, variable). In this case, the total amount of reserves (payable amount) excluding the successful bidding amount is 90 million won, and the average amount of personal debt within the limit of the amount payable; 1 million won. Depending on the order, winnings can be paid from 1 to 90 times to the same member. In the case of the system approach, the advantage can be provided that this method is most transparent.

In addition, in another preferred embodiment of the present invention, as shown in Figs. 4 and 5, the bad credit relief system server 15 is a plurality of types of lottery each of a plurality of members can purchase during a predetermined purchase period Can be provided. The relief system server 15 determines, as a winning lottery ticket, at least one lottery ticket by each member who purchased each kind of lottery ticket at a predetermined respective lottery winner lottery time, and predetermined to a member who purchased the determined winning lottery ticket. The lottery amount is configured to allocate the winnings. In a preferred embodiment, the member may simultaneously purchase a plurality of types of lottery tickets within a predetermined number, in which case the plural lottery tickets purchased by the member are selected from the sum of the sums of the winnings that can be allocated if the member wins. The amount paid to pay off your debt is less than or equal to your total debt.

The type of lottery that can be used in the present invention may include a fixed lottery ticket having different winnings as shown in FIG. 5 or a lottery ticket having different winnings as shown in FIG. 5. The accumulated lottery shown in FIG. 5 provides an advantage of making it possible to easily repay a small amount of debt by purchasing a lottery ticket according to an individual's debt amount, especially for small creditors.

Members who have subscribed to the Remedy System can purchase by placing an order in the fixed flat lottery ticket according to their desired ID or amount of debt. For example, the maximum amount that can be placed in each lottery ticket is set at 1,000 won once, and the order can be placed only twice a day for each lottery ticket. May be assigned. The lottery is conducted at a fixed time, eg every Saturday at 7 pm, in the presence of a trusted watcher, such as a police officer, at a fixed location, and as a result, the winner is for example on the website by the relief system server 15 of the present invention. It may be known. Depending on the total amount of lottery sales, there may be more than one winner.

On the other hand, the lottery ticket can be ordered in the same way as the lottery ticket. For example, at the time when the sale of the accumulated lottery ticket, which may be immediately before the lottery time, is completed, the amount accumulated by the lottery sale may be determined. The winner may then be determined by a draw scheme similar to the above. For both the lottery and the fixed lottery, the winner may be allocated as a winning sum of the total amount accumulated by the lottery sale, for example, the sum of the member's debt and 30% of the debt.

On the other hand, in the accumulated lottery or straight-line lottery system of the present invention, the total amount of the winnings allocated in the lottery provided to the member by the bad credit relief system server 15 is the member's motivation and participation in the bad credit relief system In order to activate the province, it may be determined by an amount more than the debt amount of each member using the system or the lottery, for example, an amount increased by about 30% from the debt amount. This ensures that members who are determined to purchase the lottery and be allocated a prize by lottery can fully repay their debts. This member also has the advantage of not only fully paying his debts, but also making a profit of 30% of his debts.

The amount collected according to the lottery purchase is credited to an escrow account managed by the escrow system server 17. Lottery winnings shall be used preferentially to repay the debts of members as in the case of the above winning prizes. If the winning amount is greater than the debt amount, the member shall be disqualified to use this lottery after being used for debt repayment preferentially, and the remaining amount of the winnings may be transferred to the member account. If the prize money is less than the debt amount, the prize money will be used to repay the debt and the member may continue to be eligible for the lottery.

In general, the dictionary means lottery ticket issued by the public institution for the purpose of raising a specific business fund, followed by winnings. And although the target number is also unspecified, the lottery system used in the lottery system of the bad credit relief system is targeted to specific people who are targeted to the bad credit and potential creditors (long-term delinquents). In the case of the general lottery, the prize money is also paid to the ranking and the minority targets. However, the lottery method of the bad credit relief system is a system for evenly giving bad credit.

An embodiment of a credit relief method 200 that can be performed by the credit relief system 10 having the above configuration is shown in FIG. 2.

As shown in FIG. 2, the credit relief system server 15 joins 210 a number of members who are bad credit, for example, on a website, for example, via a network such as the Internet. In this step, the member provides the server 15 with the identity information and the debt related information about itself. The server 15 inquires of the member's credit information by, for example, querying the financial institution system 19 which may be a credit rating agency that manages the member's credit information, a credit information management institution, or a creditor system that manages the debts of the member. You can check it. ID is given to the member whose inquiry is completed.

Thereafter, each member given an ID is provided with a means for accumulating using a system form or a lottery form as described in detail above. For example, FIG. 3 shows that an earning means using a system type is provided. Each member is provided with various types of accounts, with varying durations and various winnings, as shown in FIG. 3. Each member may select and join a system corresponding to the amount of his overdue debt as determined by the rescue system server 15 from the various types of systems (220). Thereafter, the member pays a predetermined amount of money, which can be set as a small amount of about 1,000 won, for example, as a one-time payment amount until the end 250 of the account (230). Members who are enrolled in the program will be provided with a winning number. Members who have been returned in sequence during the payment or after the termination of the payment will be awarded a winnings determined by the membership, which will be repaid by the escrow system 17 and the creditor system 19 as described above. Is used (260).

As shown in Figures 4 and 5, the present invention can use the means of earning the lottery type, not the system type. In this case, as described above, each member may purchase various kinds of lotteries that specify different winnings, and proceed in such a manner that the winner is determined by the drawing.

In this lottery system, the lottery purchase amount is stored in an escrow account. If the winner is determined for each lottery according to a predetermined lottery method, a predetermined prize money is paid to the member determined as the winner, and the prize money is repaid by the escrow system 17 and the creditor system 19 as described above. Will be used preferentially, and can only be transferred to a member account if there is a balance.

The crediting process and the steps of using the winnings to repay the debt can be repeated until the debt is extinguished (270). Eligibility is lost (280).

On the other hand, if the member who is the debtor showed undesirable behavior such as falsely inputting his or her identity information, for example, social security number, etc., or joins a lottery or orders a lottery in accordance with certain terms and conditions For example, if this fact is caught more than three times, the member may be determined to be a person who is not permanently provided with the service of the present invention. This type of sanction or other type of sanction may be added during the membership or credit stage of the present invention for the majority of debtor members whose services are creditors.

The above-described bad credit relief system of the present invention has a feature to relieve bad creditors (debt defaulters and long-term delinquents) by using the traditional system and the form of lottery using the Internet. In addition, the object to be a member of the present invention is characterized by targeting only those who are bad credit and potential creditors. If a member is released from creditors and potential creditors, they will automatically lose their membership. The present invention is characterized by a system that operates differently according to the amount of debt of the creditors, by using a form of system and a form of lottery, modified and applied in a characteristic manner of the present invention. In addition, the source of the resources of the present invention is characterized by the provisions from the creditors themselves.

Furthermore, in the present invention, the use of the money and lottery winnings is in the preferential payment of personal debts, not the payment confirmation subject and the winner, that is, the right to receive the money and the lottery winnings is in the financial institution that is the creditor. Have

The present invention having such a configuration enables members who are debtors to cooperate with each other, and the result of such cooperation ensures that the debtor's own debt is used for repayment. Therefore, the present invention provides a remarkable effect of providing novel and innovative measures against the bad credit relief portion that has not been attempted by the state or various organizations in the past.

The embodiments of the present invention have been described in detail above, but since the embodiments of the present invention have been described so that those skilled in the art to which the present invention pertains may easily implement the present invention, Therefore, the technical spirit of the present invention should not be limitedly interpreted.

1 is a schematic diagram showing the configuration of a bad credit relief system according to an embodiment of the present invention.

Figure 2 is a flow chart showing the steps of the bad credit relief method according to an embodiment of the present invention.

Figure 3 is a schematic diagram illustrating the type of system that a member can select in the bad credit relief system according to an embodiment of the present invention.

4 and 5 are schematic diagrams illustrating a lottery scheme that a member can select in the bad credit relief system according to an embodiment of the present invention.

<Description of Major Symbols in Drawing>

11: member terminal

13: internet

15: Bad credit relief system server

17: Escrow System Server

19: financial institution system server

Claims (12)

delete delete As a bad credit relief system, Through the network 13, only the bad creditors who have overdue records at a specific financial institution are registered as a plurality of members, and each member provides a means of earning a certain amount of money, and among the accumulated amounts, as a winnings to a specific member A credit failure relief system server 15 which allocates and manages the member to use for resolving the credit failure, and automatically withdraws the member who has completed the debt repayment; The member terminal 11, which is a member of credit failure through the network, accesses the credit failure relief system server 15 to provide personal information and interact with the credit failure relief system server 15 to pay the predetermined amount. )Wow; An escrow system server (17) connected to the bad credit relief system server (15) to manage an account for accumulating the predetermined amount paid on the server (15) through the member terminal (11); And The creditor system server 19 which preferentially pays the debt of the specific member directly from the account managed by the escrow system server 17 for the winnings allocated to the specific member. Include, The earning means provided by the bad credit relief system server 15 to each member to pay a predetermined amount is configured to be made by the member paying a predetermined deposit or purchasing a predetermined number of lotteries, in this case, The amount of advance payments or lottery purchases that each member can make is based on the member's debt amount, The bad credit relief system server 15 manages the member's debts through personal information indicating the credit status of the member himself / herself provided from the member in the process of registering only the bad credit person and the financial delinquent member as a plurality of members through the network. Checking from the creditor system server 19 of the financial institution, updating the personal information that is changed in the course of the earning means subscribed to the member, and also the debt of the specific member from the account managed by the escrow system server 17 It is configured to include a member personal information database for updating the changes in case of repayment The total amount of winnings allocated in the system or lottery provided to the member by the credit relief system server 15 is for each member of the member who uses the system or the lottery to activate the motivation and participation of the credit system. It is determined that the amount more than the debt amount of the member, and accordingly, the member who is assigned the winnings through the system or the lottery is guaranteed to be able to fully repay his or her debt and also to make additional profits. Bad Credit Relief System. The method of claim 3, The bad credit relief system server 15 provides a plurality of types of systems each of which a plurality of members can subscribe to, and a member who has subscribed to each system is predetermined a predetermined number of times during a predetermined payment period. Providing a means for earning an amount, wherein the credit relief system is configured to allocate a predetermined amount to a winning member according to the order automatically determined at the time of joining each system. The method of claim 4, wherein The system provided by the bad credit relief system server 15 allows a plurality of members to join the system and make a payment of the system payment, and each system subscription member is assigned a sequence number at the time of joining the system. The winnings are paid at predetermined times, and the winning winnings automatically calculated according to a predetermined ratio among the remaining total reserves of the relevant systems are given to the successful bidders determined among the remaining remaining number of turners by the bad credit relief system server 15. And a credit relief system, configured to allocate. The method of claim 4, wherein The system provided by the bad credit relief system server 15 allows a plurality of members to join the system and make a payment of the system payment, and each system subscription member is assigned a turn number at the time of subscription. And allocating the average amount of the debts of the members who have paid against the account at least once in order, as winnings. The method of claim 4, wherein The member may simultaneously subscribe to a plurality of accounts within a predetermined number, in which case the amount paid to repay the member's own debt from the sum of the winnings of the plurality of systems subscribed to by the member A credit relief system, which is equal to or less than. The method of claim 3, The bad credit relief system server 15 provides a plurality of types of lottery tickets each of which can be purchased by a plurality of the members, and each member who purchases each type of lottery ticket at least at each predetermined lottery winner draw time. Determining a winning lottery for one lottery, and assigning a predetermined lottery amount as a winning prize to a member who purchased the determined winning lottery ticket. The method of claim 8, The member may simultaneously purchase a plurality of types of lottery tickets within a predetermined number, in which case the plural lottery tickets purchased by the member may be reimbursed for the member's own debt from the sum of the winnings that can be allocated if the member wins. A credit relief system, characterized in that the amount paid for is equal to or less than the total amount of the member's own debt. delete delete delete

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