KR101239893B1 - Method for Creating Electronic Document for Authenticating Money Borrowing and Lending Contract - Google Patents

Abstract

According to the present invention, a money includes a predetermined amount of money loan agreement condition information, at least one money consumer loan client information corresponding to the money loan agreement, and at least one money consumer loan client information corresponding to the money loan agreement. A consumer loan agreement authentication document, the money loan agreement authentication document comprising: a money loan agreement condition information segment; At least one money consumer client information segment corresponding to the money consumer loan agreement; And at least one money consumer loan client information segment corresponding to the money loan agreement; a storage medium for storing the money loan agreement authentication electronic document, the money loan agreement authentication electronic document, and the money consumption loan. A computer-readable recording medium characterized by recording a contract authentication electronic document generation program. As a result, the money borrower client who wants to borrow from a predetermined financial institution and / or needs to make payments conveniently establishes a money loan agreement through a money loan agreement based on the money loan agreement authentication electronic document. There is an advantage of financing a predetermined amount, and the money consumer client who wants to call his own assets secures interest income securely by establishing a money consumption agreement through the loan agreement certification electronic document and loaning a predetermined amount. There is an advantage to generate.

Loan, Contract, and Certification

Description

Method for Creating Electronic Document for Authenticating Money Borrowing and Lending Contract}

1 is a diagram illustrating a preferred system for generating and managing a money consumption agreement and a money consumption agreement authentication electronic document according to an embodiment of the present invention.

2 is a diagram illustrating a preferred system for generating and managing a money consumption agreement and a money consumption agreement authentication electronic document according to another embodiment of the present invention.

3 is a diagram showing the configuration of an information storage medium for storing and managing a money consumption agreement authentication electronic document according to an embodiment of the present invention.

Figure 4 is a view showing a preferred structure of the money lending contract authentication electronic document in accordance with a preferred method of the present invention.

5A and 5B are diagrams illustrating an attached file segment structure according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a segment structure included in a money consumption agreement authentication electronic document according to an embodiment of the present invention.

FIG. 7 is a diagram illustrating a process of registering a money consumption agreement condition information of a money consumer loan client according to an embodiment of the present invention.

FIG. 8 is a diagram illustrating a process in which a money consumer borrower client registers money loan agreement condition information according to another embodiment of the present invention.

9A and 9B are diagrams illustrating a money consumption loan contract process according to an embodiment of the present invention.

10A and 10B are diagrams illustrating a money consumption loan contract process according to an embodiment of the present invention.

FIG. 11 is a diagram illustrating a process of generating an electronic money balance agreement authentication electronic document according to a preferred embodiment of the present invention.

12 is a diagram illustrating a money consumption agreement contract authentication document according to an embodiment of the present invention.

13 is a diagram illustrating a money consumption loan agreement authentication document according to an embodiment of the present invention according to the web document agreement.

14A and 14B are diagrams illustrating a money consumption agreement authentication electronic document according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 102: money consumer client

104: money consumer borrower 150: electronic document generation unit

155: storage unit 160: storage medium

300: Electronic consumer loan agreement certification electronic document

According to the present invention, at the time of at least one money consumer loan client and at least one money consumer loan client, at least one money consumer contract condition information corresponding to the money consumer loan agreement and at least one money consumer loan agreement A money lending agreement authentication document comprising client information and at least one money consuming client information, the money lending agreement authentication document comprising: a money lending agreement terms information segment; At least one money consumer client information segment corresponding to the money consumer loan agreement; And at least one money consumer loan client information segment corresponding to the money loan agreement; a storage medium for storing the money loan agreement authentication electronic document, the money loan agreement authentication electronic document, and the money consumption loan. The present invention provides a computer-readable recording medium characterized by recording a contract authentication electronic document generation program.

A money loan agreement is concluded by the appointment of a certain person (money consumer) to lend his money to another person (money consumer), and the money consumer agrees to return the borrowed money on a certain date. Is a bond contract.

Under the law, the above-mentioned money loan agreements can be fully valid if both parties agree to "borrow / borrow", so it is not necessary to prepare a certificate or sign a contract and sign it. The consumer loan agreement does not have a problem to be solved when it requires the execution of a loan agreement that has not been signed by the borrower, and from the consumer's point of view, the consumer borrower breaks or claims to nullify the loan agreement. There is a problem that there is no way to solve this problem, and if the borrower dies, there is a problem that there is no way to prove this to the heirs.

Conventionally, there is a method of writing a loan agreement as a means of documenting the above-mentioned money loan agreement, a method of preparing a formal money loan agreement and receiving a notary. However, in the case of the method of using the loan, the borrower keeps the loan corresponding to the loan contract, so that if the loan is forged by the borrower, the borrower proves that it has been forged. There is a problem that can not be done, in the case of the method of notarizing after completing the formal money consumer loan agreement, the process is very much because the money consumer and the money consumer borrower prepare two copies of the same money consumer loan agreement and notarized by an attorney. It is not only complicated and inconvenient but also expensive.

The present invention has been made to solve the above-mentioned problems, and at the time of a money consumption agreement between at least one money consumer client and at least one money consumer client, a predetermined money consumption corresponding to the money consumer loan agreement. Generating and managing a money consumption agreement authentication electronic document included in a predetermined segment including loan agreement condition information, at least one money consumer loan client information, and at least one money consumer loan client information; Electronic consumer loan agreement authentication electronic document and financial consumer loan agreement authentication electronic document, characterized in that it is easy and convenient to electronically document the financial loan agreement between the consumer of money and the consumer Create a program An object of the present invention is to provide a computer-readable recording medium, which is characterized in that it is locked.

According to the present invention, a money includes a predetermined amount of money loan agreement condition information, at least one money consumer loan client information corresponding to the money loan agreement, and at least one money consumer loan client information corresponding to the money loan agreement. A consumer loan agreement authentication document, the money loan agreement authentication document comprising: a money loan agreement condition information segment; At least one money consumer client information segment corresponding to the money consumer loan agreement; And at least one money consumer client information segment corresponding to the money loan agreement; And a control unit.

According to a preferred embodiment of the present invention, the money loan agreement condition information segment may include a credit information segment of the money borrowing client; A predetermined interest rate information segment corresponding to the money balance; Balance sheet information segment; And at least one monetary consumer client information segment corresponding to the monetary loan agreement. The at least one monetary consumer client information segment comprises at least one monetary consumer client personal information segment; Money consumption client account information segment; Money consumer client authentication information segment; And at least one monetary client client communication means information segment; wherein the at least one monetary consumer client information segment comprises a monetary consumer client personal information segment; Money consumer account information segment; Money consumer borrower authentication information segment; And a money-consuming borrower client communication means information segment.

According to one embodiment of the invention, it is preferable that the at least one consumer account client consists of a client providing the same loan agreement information.

According to a preferred embodiment of the present invention, the money lending contract authentication electronic document includes a money lending agreement authentication electronic document generator information segment that stores information of a company (or an institution) that generates the money lending agreement authentication electronic document. It is preferable to further comprise, and / or preferably comprises a money consumption agreement authentication electronic document creation date information segment for storing the date of creation of the money balance agreement authentication electronic document, and / or money The document type identification information segment for storing the predetermined document type identification information for identifying the consumer loan contract authentication electronic document is preferably further included.

In addition, the money lending contract authentication electronic document may be both stored in a predetermined storage medium and / or transmitted to the money lender client and / or the money lender client, and the respective information segments may be transferred. It is preferable to further include a predetermined identification tag for identification.

The recording medium provided on the system for generating and / or managing the money lending contract authentication electronic document includes at least one money consuming client corresponding to the money lending contract and / or at least one corresponding to the money lending contract. Receiving a predetermined amount of money loan agreement condition information from a money consumer account client; Reading the money loan agreement condition information and setting at least one money consumer account client and at least one money consumer account client corresponding to the money loan agreement condition information; And a money consumption agreement between the set at least one money consumer client and the at least one money consumer client, the money consumption agreement condition information, the money consumer client information and the money consumer client information. Inter-processing and storing the data in a predetermined storage medium; and a program for executing the program is recorded.

According to a preferred embodiment of the present invention, the program includes a function of withdrawing an amount corresponding to the money consumption agreement terms from the account of the at least one money consumption client; And depositing the withdrawn money into the account of the at least one cash consumer client.

The program may further execute the function of transmitting the money consumption agreement condition information, the money consumption client information and the money consumption client information to the money consumption client and / or the money consumption client. .

The program may further include: reading the credit card loan agreement condition information and reading credit information of the credit card borrower client included in the loan policy condition information; A function of confirming credit information of the money lending contract requesting client by interworking with a predetermined credit rating agency server when requesting a money lending contract of at least one money lender client corresponding to the money lending contract condition information. ; And determining whether or not to execute the money loan contract by checking whether the credit information of the money lending contract request client matches the credit information of the money lender client included in the money lending contract condition information. It is desirable to.

The program may further include: reading at least one money lending contract condition information and determining at least one money lender client presenting the same money lending agreement terms; And dividing the provided amount from the at least one cash consumer client account when the amount is provided to the at least one cash consumer client corresponding to the money lending contract condition information. desirable.

In addition, the program reads the information on the money loan agreement conditions stored in the storage medium, and contracts with the money consumer client and / or the money consumer client on the date of expiration or before the contract corresponding to the money loan agreement terms It is desirable to further implement the function of notifying expiration.

In addition, the program includes the information on the loan agreement conditions, at least one money consumer loan client information corresponding to the money loan agreement, and at least one money consumer loan client information corresponding to the money loan agreement It is desirable to further implement the function to generate the money lending contract authentication electronic document.

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 based on the contents throughout the present title.

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 (for example, the member information database) is omitted as much as possible, and the description will focus 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 the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, a preferred embodiment of the present invention carried out below is a storage medium for storing at least one data file associated with the money lending agreement authentication document and / or money lending agreement to efficiently describe the technical components constituting the present invention Although described as being provided on a network accessible from a predetermined server, it will be apparent to those skilled in the art that the storage medium may be provided in the server.

In addition, preferred embodiments of the present invention described below are described as being provided in the server all the functional configuration for the present invention in order to efficiently describe the technical components constituting the present invention, but usually in the technical field to which the present invention belongs Those skilled in the art, the functional configuration provided in the server is interlocked through a predetermined network and / or communication means in accordance with the intention of those skilled in the art of implementing the present invention (e.g., information or data for realizing the server function mutually It will be apparent that at least two servers (transmitting and receiving) may be provided separately.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

1 is a diagram illustrating a preferred system for generating and managing a money consumption agreement and a money consumption agreement authentication electronic document 300 according to an embodiment of the present invention.

In more detail, Figure 1 generates and manages a money-consumption loan agreement between a given money-consumer client and a given money-consumer client and a predetermined money-consumption agreement authentication electronic document 300 for the money-consumption loan contract. As to a preferred system to, a server 100 for generating and managing a predetermined money balance agreement authentication electronic document 300 for the money balance agreement, and establishes a money balance agreement through the server 100 A terminal (102) (104) used by the money consumer and / or money consumer borrower client, a credit evaluation system for providing credit information on the money consumer client when the money consumption contract is made in the server (100); The money consumption loan amount is withdrawn from the financial account of the money consumption stock client in connection with the server 100. Comprise the financial system to deposit a financial account of the consumer borrower clients.

The terminal 102 and 104 used by the money consumer and / or money consumer client includes a predetermined wired terminal including at least one Personal Computer (PC) or a notebook connected to a predetermined network. And / or a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Information Terminal Digital Assistant (PDA) or a smart phone (Smart Phone) or a wireless data communication terminal or a mobile terminal including at least one or more, including a mobile terminal, in particular in the case of the client, the consumer owned assets It further includes a server for money consumption management operated by an institution that manages (or invests) It can be made.

The terminal 102 and 104, or the money consumer side server used by the money consumer and / or money consumer client, communicate with the server 100 via a predetermined network 105 and / or communication means 105. The network 105 and / or the communication means 105 are preferably dependent on the characteristics of the terminal (or server) 102, 104. For example, if the terminal (or server) 102, 104 is connected to the Internet based on TCP / IP, the terminal (or server) 102, 104 and the server 100 connect through the Internet. Or if the terminal 102 or 104 is a mobile communication terminal connected to a mobile communication network, the mobile communication terminal communicates with the server 100 through the mobile communication network (and / or a communication network interoperating with the mobile communication network). Connected, or if the terminal 102, 104 is a wireless data communication terminal connecting to a wireless data communication network, the wireless data communication terminal is connected to the wireless data communication network (and / or a communication network interoperating with a wireless data communication network). If the terminal 102 or 104 is a portable Internet terminal connected to the portable Internet, the portable Internet terminal may be connected via the portable Internet (and / or a communication network interworking with the portable Internet). It is connected to the server 100.

Referring to FIG. 1, the server 100 communicates with a terminal 102 or 104 used by the money consumer and / or money consumer client, or a network 105 and / or communicates with the money consumer server. An interface unit 110 for connecting a communication channel via means 105, and the money consumer account information and / or money consumer from the money consumer and / or money consumer client through the interface unit 110; An information receiving unit 115 for receiving client information, a money consuming contractor setting unit 120 for reading the received money consuming and / or money consuming client information and setting up a money consuming contractor; A money-consumption loan processing unit 135 that processes a money-consumption loan agreement between the lender and the consumer; In the case of the money consumption loan agreement between the money borrowing client, the money lending agreement authentication electronic document 300 generating unit 150 to generate a predetermined money consumption agreement authentication electronic document 300 for authenticating the money consumption loan agreement. And a storage unit 155 configured to store the money lending contract authentication electronic document 300 in a predetermined storage medium 160, and the storage medium 160 includes the money lending contract. Stores the authentication electronic document 300, and also links the financial loan agreement authentication electronic document 300 and the information on the terms and conditions of the money loan agreement, money consumer loan client information, money consumer borrower client information associated with the money loan agreement Is preferably stored.

According to a preferred embodiment of the present invention, the server 100, when setting the money balance contractor of the money balance contractor setting unit 120, from the predetermined credit rating system to credit information about the credit card borrower client It is preferable to further comprise a credit reading unit 125 to read and a credit checking unit 130 to confirm the credit rating of the client, the consumer of the money consumer loan can be established.

In addition, the server 100 when the money consumption loan agreement between the money consumer and the client, the consumer through the money loan agreement processing unit 135, the financial account of the money consumer and / or money consumer borrower client The amount withdrawal unit 140 for withdrawing the money consumption balance amount from the money consumer loan client financial account in conjunction with the established financial system, and the amount of money for depositing the withdrawn money to the financial account of the money consumer client; It is preferable that the portion 145 is further included.

In addition, the server 100, when the money consumption agreement between the money consumer and the client, the money consumer loan agreement terms information, the money consumer account information and the money consumer client information and the money consumer information client; It is preferable to further comprise a transmission unit 170 for transmitting to the consumer loan client and / or money consumer borrower client.

In addition, the server 100 is a money consumption contract between the money consumer loan client and the money consumer loan client, the money consumption contract authentication electronic document 300 and / or money consumption associated with the money consumption loan agreement Loan contract terms information, money consumer loan client information, money consumer loan client information stored in the storage medium 160, the money consumption agreement terms and conditions information is read and the expiration date of the contract corresponding to the terms and conditions of the money loan agreement It is preferable to further include a notification unit 165 for notifying the expenditure of the contract to the money consumer loan client and / or the money consumer borrower client.

The interface unit 110 consumes money between the terminal 102 or the money consumption server side and the server 100 used by the money consumption client through a predetermined network 105 and / or communication means 105. Loan contract condition information registration and / or to connect a predetermined communication channel for providing the information to the consumer loan consumer, or the money consumption agreement request information between the terminal 104 and the server 100 used by the consumer money client It is characterized in that the connection to a predetermined communication channel for providing and / or providing information to the consumer consuming client.

According to a preferred embodiment of the present invention, when the money consumption loan agreement between the money consumer and the client, the transmission unit 170 is the money consumption through the communication channel connected through the interface unit 110 Preferably, the loan and / or money consumer client transmits the money loan agreement condition information, the money consumer loan client information, and the money consumer loan client information.

The information receiving unit 115 uses the money consumption agreement terms information and / or money consumption loan from the terminal 102 or the money consumption server server used by the money consumption client through a communication channel connected through the interface unit 110. Client information is received, and / or money lending contract request information and / or money consuming client information between terminals 104 used by the money consuming client.

The money lending contractor setting unit 120 reads the money consumer loan client information and / or money consumer borrower client information received through the information receiving unit 115, characterized in that for setting the money lending contractor, In the process of setting up the loan balance checker, it is preferable to check the credit rating of the borrower client through the credit reading unit 125 and / or the credit checking unit 130.

The credit reading unit 125 provides the borrower client information to a predetermined credit rating system, and stores the data in a predetermined DBMS (DataBase Management System) in conjunction with a predetermined credit rating module provided in the credit rating system. Characteristic of reading the credit information of the money consumer borrower client, the credit check unit 130 is a condition that the credit rating of the read money consumer borrower client can borrow a predetermined amount of money from the money consumer loan client It is characterized by checking whether it satisfies.

The money consumption agreement contract processing unit 135 is configured by the money consumption contractor setting unit 120 when the money consumption client and the money consumer client are set up to establish a money consumption agreement, the money consumption agreement It is characterized in that the processing of the money holding loan agreement between the cash consumer and the client, based on the condition information, the money consumption loan contract, the amount withdrawal unit 140 is linked to a predetermined financial system And withdraw the amount corresponding to the money consumption loan contract from the financial account of the client, and the amount depositing unit 145 deposits the withdrawn amount into the financial account of the client. do.

According to a preferred embodiment of the present invention, the money disbursement amount withdrawal of the money withdrawal unit 140 and / or the money disbursement amount withdrawal amount of the money depositing unit 145, the money consumer loan client and / or money It is preferable that the financial account of the consumer borrower client is established through a predetermined financial system, and according to an implementation method, a virtual financial system in which a predetermined virtual account corresponding to the money-consuming client and / or the money-consuming client is opened. It is possible through

In general, the financial system includes an accounting module for a window service such as credit or reception or trust or foreign exchange generated from at least one branch, an information module for the processing of a headquarters business, support for branch information, and customer relationship management; External module that provides various electronic financial services by connecting the system with homes, businesses, retailers, and other external computer networks, and card system for financial service support using at least one card issued to the user by the financial institution (not shown) A middleware platform for interfacing the financial system components with at least one financial module including a DBMS, a DBMS (or DB server) for storing and managing predetermined information required for a specific function of the financial module, Omission of the city), and is provided in the financial system The financial module further includes various types of components such as foreign exchange, investment banking, and international, depending on the type of financial institution (eg, commercial banks, savings banks, trust banks, credit card companies) and the purpose and characteristics of the financial system. It is possible to be.

The money balance agreement authentication electronic document 300 generation unit 150, when the money consumption loan agreement between the money consumer and the money consumer client by the money loan agreement processing unit 135, the money consumption loan Include at least one money consumption agreement client information corresponding to the contract in a predetermined money consumption agreement terms information segment 415 and at least one money consumption client information corresponding to the at least one money consumption agreement; A money consumption agreement authentication electronic document that is included in the client information segment 420 and includes at least one money consumer borrower client information corresponding to the money loan agreement in a predetermined money consumer client information segment 425. 300).

According to the method of the present invention, when the money consumption agreement authentication electronic document 300 generating unit 150 generates the money consumption agreement authentication electronic document 300, the money consumption agreement authentication electronic document 300 Include the information of the company (or organization) that generates the money lending contract authentication electronic document generator information segment 430, and / or the information on the creation date of the money lending contract authentication electronic document 300. The document type identification segment 440 includes the document type identification information included in the contract authentication electronic document generation date information segment 435 and / or for identifying the money lending contract authentication electronic document 300. It is preferable.

The storage unit 155, when the cash consumer loan agreement between the money consumer and the client, by the money loan agreement processing unit 135, information on the money loan agreement conditions corresponding to the money consumer loan agreement And storing the information on at least one storage medium 160 in a predetermined storage medium 160 by associating at least one money consumer account client information corresponding to the money loan agreement and at least one money consumer client information corresponding to the money loan agreement. Characterized in that, when generating the money balance agreement authentication electronic document 300 for authenticating the money balance agreement by the money balance agreement authentication electronic document 300 generation unit 150, the generated money consumption balance The contract authentication electronic document 300 may be stored in a predetermined storage medium 160.

According to a preferred embodiment of the present invention, it is preferable that the money lending contract authentication electronic document 300 and the money lending contract condition information, the money lending client information and the money lending client information are stored in association.

2 is a diagram showing a preferred system for generating and managing a money consumption agreement and a money consumption agreement authentication electronic document 300 according to another embodiment of the present invention.

In more detail, FIG. 2 generates a money balance agreement between at least one money consumer account client and a predetermined money consumer account client and a predetermined money balance agreement authentication electronic document 300 for the money consumption agreement. As a preferred system for managing, the server 100 for generating and managing a predetermined money lending contract authentication electronic document 300 for the money lending contract, and the money lending contract through the server 100; The terminal 102 (or server) used by the at least one cash consumer client, the terminal 104 used by the cash consumer client, and the money consumer client when a money consumption loan contract is made in the server 100. Credit rating system for providing credit information on the, and the server 100 in conjunction with the money consumer stock From the financial account of the client it comprise the financial system by withdrawing the money spent loan amount credited to the financial accounts of the money spent borrower clients.

In FIG. 2, a credit evaluation that provides credit information about a terminal 102 (or a server) used by at least one cash consumer client, a terminal 104 used by the cash consumer client, and the cash consumer client. The system and the financial system for withdrawing the money consumption loan amount from the financial account of the money consumer account client and depositing it into the financial account of the money consumer client are as described with reference to FIG.

Referring to FIG. 2, the server 100 may include a terminal 102 (or a server) used by at least one cash consumer client, and / or a terminal 104 used by a predetermined money consumer client and a predetermined network ( 105) and / or an interface unit 110 for connecting a communication channel through the communication means 105, and at least one money consumption agreement condition information and at least one money consumption agreement client through the interface unit 110; An information register unit 175 for receiving the information on the client's information and storing the information in a predetermined database, and a predetermined amount of money loan contract request condition information and the money consumer's client from the predetermined money consumer's client through the interface unit 110. An information receiving unit 115 for receiving information and setting the received money loan contract request conditions from the database; A money consumer discrimination unit for extracting at least one money consumer loan agreement condition that matches the at least one money consumer loan agreement client and extracting at least one money consumer loan client from the extracted money consumer loan agreement condition information; (180), a cash consumer contractor setting unit (120) for setting a cash consumer contractor by reading the determined at least one or more money consumer loan client information and the money consumer loan client information, and at least one money consumer loan In the case of a money consumption agreement between the at least one money consumer client and the money consumer client, a money balance agreement processing unit 135 for processing a money consumption agreement with the money borrower client by dividing a predetermined amount from a client; , The cash drawer Predetermined the money balance agreement authentication electronic document 300 generating unit 150 for generating a predetermined money balance agreement authentication electronic document 300 for authenticating the contract, and the money balance agreement authentication electronic document 300 And a storage unit 155 for storing in the storage medium 160.

According to a preferred embodiment of the present invention, the server 100 stores the money balance agreement authentication electronic document 300, and also relates to the money balance agreement authentication electronic document 300 and the money balance agreement. It is preferable to have a predetermined storage medium 160 which stores information on the terms and conditions of the money loan agreement, at least one money consumer loan client information, and information about the money consumer loan client, or interwork with the storage medium 160 on the network. Do.

In addition, the server 100, when setting the money balance contractor of the money balance contractor setting unit 120, the money consumption to establish a money consumption balance agreement with at least one money consumer account client from a predetermined credit rating system; It further comprises a credit reading unit 125 for reading the credit information for the borrower client, and a credit check unit 130 for confirming the credit rating of the borrower's client can establish the money loan agreement desirable.

In addition, the server 100 has a financial account balance of at least one money consumer loan client when the money consumer loan agreement between the at least one money consumer loan client and the money consumer loan client through the money loan agreement processing unit 135 The deposit withdrawal unit 185 for dividing a predetermined amount from the financial account of the cash consumer loan client in conjunction with the established financial system, and the amount of the divided withdrawal sum and depositing the amount to be deposited into the financial account of the client. It is preferable that the portion 145 is further included.

In addition, the server 100, at the time of the money consumption agreement between the money consumer loan client and the money consumer borrower client, at least one of the money consumption loan agreement condition information, the money consumer loan client information and the money consumer borrower client information; It is preferable to further include a transmission unit 170 for transmitting to the above-mentioned money consumption client and / or money consumer borrower client.

In addition, the server 100 is the money consumption contract between the at least one money consumer loan client and the money consumer loan client, the money balance agreement authentication electronic document 300 and / or the money associated with the money balance agreement Consumption loan agreement condition information, money consumer loan client information, money consumer loan client information stored in the storage medium 160, read the money loan agreement condition information to read or expire the contract corresponding to the money loan agreement terms It is preferable to further comprise a notification unit 165 for notifying the expenditure of the customer and / or the consumer of the money borrower client on the expiration of the contract.

According to the present invention, the functional configuration provided in the server 100 in FIG. 1 or FIG. 2 is recorded as a program recorded in a predetermined recording medium provided in the server 100 to realize each function. do.

3 is a diagram illustrating a configuration of an information storage medium 160 for storing and managing a cash consumption agreement authentication electronic document 300 according to an embodiment of the present invention.

Referring to FIG. 3, the storage medium 160 includes a money consumption agreement terms data file 305 for storing predetermined money consumption agreement terms information; A money consuming client information data file (310) for storing at least one money consuming client information corresponding to the money lending agreement; And a money consuming client information data file 315 for storing at least one money consuming client information corresponding to the money lending contract. The money lending contract condition data file 305 is provided. And it is preferable to store the money consumer loan client information data file 310 and the money consumer loan client information data file 315 by mutually interworking processing.

In addition, the storage medium 160 further includes a money lending contract authentication electronic document creator information data file 320 for storing information of a company (or an institution) generating the money lending contract authentication electronic document 300. Preferably, and / or it is preferable to further include a money consumption agreement authentication electronic document creation date information data file 325 for storing the date of creation of the money balance agreement authentication electronic document 300.

According to a preferred embodiment of the present invention, the money lending contract condition information data file includes credit information of the money lender client, predetermined interest rate information corresponding to the money lending loan, money lending period information, and the money consumption. It is preferable to store at least one or more at least one money consumer borrower client information corresponding to the loan agreement, and / or the money consumer client information data file 310 includes a money consumer client personal information and a money consumer loan. It is preferable to store at least one or more client account information, money consumer loan client authentication information, and money consumer loan client communication means information, and / or the money consumer client information data file 315 is a money consumer client. Personal Information and Money Consumer The gradient account information, the money consumption Borrower client authentication information, and the money spent Borrower client communication means at least one information preferably further storage.

Referring to FIG. 3 in accordance with a preferred method of the present invention, the loan agreement terms data file 305 and / or the loan consumer information data file 310 and / or the loan consumer information information file 315 And / or the cash draw agreement authentication electronic document generator information data file 320 and / or the cash draw agreement authentication electronic document creation date information data file 325 may be combined with the cash draw agreement authentication electronic document 300. It is preferable to be stored in a coordinated process, thereby facilitating the management of the money balance agreement authentication electronic document 300.

4 is a diagram showing a preferred structure of the money balance agreement authentication electronic document 300 according to a preferred embodiment of the present invention.

Referring to Figure 4 in accordance with a preferred embodiment of the present invention, the money balance agreement authentication electronic document 300 includes a header portion 105 and the body portion 450 of the money balance agreement authentication electronic document 300 Although, the structure of the money lending contract authentication electronic document 300 shown in FIG. 4 may be modified and implemented by those skilled in the art without departing from the technical idea of the present invention.

The header unit 105 of the money lending contract authentication electronic document 300 includes a header information segment 410 for storing predetermined header information corresponding to the file format of the electronic document, and corresponding to the money lending contract. A money lending contract condition information segment 415 for storing money lending contract condition information, and a money lending client information segment 420 for storing at least one money consuming client information corresponding to the money lending agreement; And at least one money consuming client information segment 425 for storing at least one money consuming client information corresponding to the money lending contract. A money-consumption loan agreement that stores information from the company (or organization) that generates the document 300 Electronic document creator information segment 430, money lending contract authentication electronic document creation date information segment 435 for storing the creation date information of the money lending contract authentication electronic document 300, and money lending contract authentication Preferably, the document type identification information segment 440 is stored to store predetermined document type identification information for identifying the electronic document 300.

The body portion 450 of the money lending contract authentication electronic document 300 is characterized in that it comprises a body segment 455 for storing the contents of the money lending contract, the money lending contract according to the implementation method It is preferable to include an attachment file segment 460 for storing the content attached (or inserted) to the authentication electronic document 300, the attachment file segment 460 is an attachment file registrant information segment 465 and an attachment file. It is preferred to include the information segment 470. In some embodiments, the attachment file segment 460 may be omitted, or at least one or more attachments may be provided.

According to an embodiment of the present invention, the attachment included in (or inserted into) the loan agreement authentication electronic document 300 through the attachment file segment 460 may be text content and / or image content and / or sound content. And / or digital content comprising at least one multimedia content, and / or confidentiality, authentication, integrity and non-repudiation of the money lending agreement. And at least one authentication data file (eg, an authorized certificate file of the money consumer client and / or the money consumer client) corresponding to the money consumer client and / or money consumer client to ensure nonrepudiation. Preferably, and / or the money consumer client and / or It is made by the bio-information file, or the like money consumption Borrower fingerprint for the client, hand geometry, iris, voice, face, signature, retinal, vein pattern, and / or DNA (Deoxyribo Nucleic Acid) includes at least one are preferred.

According to another exemplary embodiment of the present invention, the money lending contract condition information segment 415 and / or the money consuming client information segment 420 and / or the money consuming client information segment included in the header portion 105 ( 425) and / or money lending agreement authentication electronic document creator information segment 430 and / or money lending agreement authentication electronic document generation date information segment 435 and / or document type identification segment 440 may 450 may be provided, and the technical spirit of the present invention is not limited by the position of the segment.

5A and 5B illustrate an attachment file segment 460 according to an embodiment of the present invention.

More specifically, FIG. 5A illustrates a case in which the digital content and / or authentication data file and / or biometric information file are directly inserted into an attachment file information segment 470, and FIG. 5B shows the storage medium 160 ( For example, the digital content and / or authentication data files may be included in the money consumer agreement terms data file 305 and / or the money consumer client information data file 310 and / or the money consumer client information data file 315. And / or storing an attachment corresponding to the biometric information file and inserting attachment storage information 470-5 for the attachment corresponding to the digital content into the attachment file information segment 470.

5A and 5B, the attachment file segment 460 includes an attachment file registrant information segment 465 and an attachment file information segment 470, and the attachment file information segment 470 includes an attachment file. Attachment file format information 470-1 including a format (an attachment file format corresponding to a digital content and / or authentication data file and / or a biometric information file), and digital content and / or authentication data corresponding to the attachment file. Attachment location information 470-2 including location information on a network where a file and / or biometric information file is stored and / or location information where the digital content and / or authentication data file and / or biometric information file is generated. It is made, including.

Referring to FIG. 5A of encoding the digital content and inserting the digital content into the money lending contract authentication electronic document 300, the attachment file information segment 470 includes attachment encoding information 470 including an encoding method of the attachment. -3) and attached file encoding data 470-4 corresponding to the encoded digital content.

Alternatively, the digital content is stored as an attached file in the storage medium 160, and the predetermined amount of attachment file storage information 470-5 connected to the attached file is inserted into the money lending contract authentication electronic document 300. Referring to FIG. 5B, the attachment file information segment 470 includes attachment file storage information 470-5 including a storage location for the attachment file stored as an attachment file in the storage medium 160. .

According to the method of the present invention, the digital content and / or the authentication data file and / or the biometric information file having a standard capacity or less according to the policy of the institution generating the money lending contract authentication electronic document 300 are different from those of FIG. 5A. A method of directly inserting into the money balance agreement authentication electronic document 300 as described above and storing the digital content and / or the authentication data file and / or the biometric information file over the reference capacity in the storage medium 160 as shown in FIG. 5B. It is possible to implement to selectively use.

FIG. 6 is a diagram illustrating a segment structure included in the money lending contract authentication electronic document 300 according to the embodiment of the present invention.

Referring to FIG. 6, the segment included in the money lending contract authentication electronic document 300 includes storage information (eg, money lending contract condition information, money lender client information, money lender client information) and the storage. It characterized in that it comprises a predetermined identification tag for identifying information.

The segment included in the money balance agreement certification electronic document 300 includes a predetermined header identification tag and storage information as shown in (a) of FIG. 6 or a predetermined storage as shown in (b) of FIG. Information and a tag identification tag, or a predetermined header identification tag and storage information and a predetermined tag identification tag as shown in FIG.

FIG. 7 is a diagram illustrating a process of registering a money consumption agreement condition information of a money consumer loan client according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a condition for a predetermined amount of money loan agreement through a predetermined interface provided by the server 100 and access to the server 100 through a terminal 102 used by at least one money consumption client. A preferred process for registering information, wherein the at least one money consumer client establishes a predetermined money consumer loan agreement with at least one money consumer client and registers information on the terms of the loan agreement to lend a predetermined amount. It is about the Example which does.

At least one cash consumer client connects to the server 100 through a predetermined terminal 102 (700) and provides the money consumer client information to the server 100 through the terminal 102. (705).

According to a preferred embodiment of the present invention, the process of providing information to the consumer of the consumer of the money consumer, the consumer and the account of the consumer of the consumer of the consumer through the membership registration process through the server 100; Information and / or authentication information and / or communication means information is provided, or predetermined money consumption client identification information (e.g., to the server 100) through a predetermined login process. ID / PW information of a money consuming client) and personal information of the money consuming client corresponding to the money consuming client identification information from a predetermined member information database (not shown) in the server 100 and / or Including extracting account information and / or authentication information and / or communication means information. It is preferable to lose.

When the money consumption client information is provided to the server 100 through the terminal 102 used by the money consumer client as described above (705), the server 100 uses the terminal 102 used by the money consumer client. In operation 710, predetermined money consumption agreement condition information is acquired from the money consumption client.

According to a preferred embodiment of the present invention, the above-described process of acquiring the money lending contract condition information may include predetermined money lending contract condition information from the server 100 to the terminal 102 used by the money lender client. It is preferable to provide a providing interface, and input (or select) predetermined money consumption agreement terms and conditions from the terminal 102 to the server 100 through the payment terms and conditions information providing interface.

When the money lending contract condition information is obtained by the server 100 as described above (710), the server 100 checks the validity of the obtained money lending contract condition information (715).

According to a preferred embodiment of the present invention, the process of validating the money lending contract condition information includes a financial system in which the account is opened based on the account information of the money consuming client included in the money consuming client information; Linking the financial account with a predetermined amount of money to perform the role of monetary consumerism of the money consumer loan agreement; and the financial account of the monetary consumer client in accordance with the monetary loan agreement. It is desirable to include the step of verifying that it contains a feature of non-requirement that can lend to the at least one borrower of the money deposited in the account.

If the validity of the money lending contract condition information is not authenticated (720), the server 100 transmits the validity error information about the money lending agreement condition information to the terminal 102 used by the money lender client. Generate, transmit and output (725), and end the registration process of the information on the loan balance agreement conditions of the client.

On the other hand, if the validity of the money loan agreement condition information is authenticated (720), the server 100 performs a predetermined process by cooperatively processing the money loan agreement client information and the money loan agreement condition information registered by the money consumer agreement client. Store in the database (730).

FIG. 8 is a diagram illustrating a process of registering a consumer loan agreement condition information by a money consumer client according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates a condition for a predetermined amount of money loan agreement through a predetermined interface provided by the server 100 and access to the server 100 through a terminal 104 used by at least one money consumer client. A preferred process for registering information, wherein at least one money consumer client establishes a predetermined money consumption agreement with at least one money consumer client and registers information on the terms of the loan agreement to borrow a predetermined amount. It is about an Example.

At least one cash consumer client accesses the server 100 through a predetermined terminal 104 (800), and provides the money consumer client information to the server 100 through the terminal 104 ( 805).

According to a preferred embodiment of the present invention, the process of providing information to the consumer of the consumer of the money, the consumer of the consumer and the account of the consumer of the consumer through the membership registration process through the server 100 Information and / or authentication information and / or communication means information. Preferably, or a predetermined money-consuming client identification information (e.g., to the server 100) through a predetermined login process. ID / PW information of a money-consuming borrower client) and personal information of the money-consuming borrower client corresponding to the money-consuming borrower client identification information from a predetermined member information database (not shown) in the server 100 and / or Including extracting account information and / or authentication information and / or communication means information. It is preferable to lose.

As described above, when the money consuming client information is provided to the server 100 through the terminal 104 used by the money consuming client 805, the server 100 reads the money consuming client information and reads the information. In operation 810, the cash consumer client may establish a predetermined money lending agreement with the at least one cash consumer client.

According to a preferred embodiment of the present invention, the process of confirming the possibility of the loan agreement of the consumer of the money consumer, at least one financial institution (or loan company) based on predetermined personal information included in the information of the consumer of the consumer Loan / repayment details corresponding to the money-consuming borrower client in the financial institution (or loan company) in conjunction with the financial system provided in the, and / or correspond to the money-consuming borrower client in conjunction with the court's registration system (not shown) A reference to the establishment of the underlying mortgage for the real estate, and / or credit information corresponding to the client of the consumer, in connection with the at least one credit evaluation system, and at least one consumer of the consumer and at least one consumer of the money; Check if you can establish a contract Preferably comprises the process. For example, if the borrower client is a bad credit, it is confirmed that there is no possibility of a loan agreement for the consumer.

If there is no possibility of a money lending contract for the money borrower client (815), the server 100 registers the information on the money lending contract condition information to lend a predetermined amount of money to the money borrower client. End the process.

On the other hand, if there is a possibility of a money lending contract for the money-consuming borrower client (815), the server 100 is linked to the terminal 104 used by the money-consuming borrower client, the predetermined money consumption from the money-consuming borrower client Obtain the loan contract condition information (820).

According to a preferred embodiment of the present invention, the process of acquiring the money loan agreement condition information as described above, provides predetermined money loan agreement condition information from the server 100 to the terminal 104 used by the money borrower client. An interface may be provided, and the terminal 104 may input (or select) predetermined money lending contract condition information through the money lending contract condition information providing interface and provide the same to the server 100.

When the money lending contract condition information is obtained by the server 100 as described above (820), the server 100 checks the validity of the obtained money lending contract condition information (825).

According to a preferred embodiment of the present invention, the process of validating the money loan agreement condition information is linked with a predetermined credit rating system based on the personal information of the money consumer client included in the money consumer client information. It is preferable that the at least one cash consumer client includes a step of confirming whether the money consumer loan contract can establish a money consumer loan agreement under the terms of a money consumer loan agreement to be registered.

If the validity of the money loan agreement condition information is not authenticated (830), the server 100 should be changed to be suitable for the money consumer agreement client among the money loan agreement conditions that the client wants to register. Set the cash consumer loan agreement terms change item (835), and provide the cash consumer loan agreement terms change item to the terminal 104 used by the money consumer borrower client through the process (840) Obtaining the information on the loan balance terms valid to the user (820).

On the other hand, if the validity of the money lending contract condition information is authenticated (830), the server 100 performs a predetermined process by linking the money lending client information and the money lending contract condition information registered by the money lending client. Store in database (845).

9A and 9B are diagrams illustrating a money consumption contract process according to an embodiment of the present invention.

In more detail, FIG. 9A illustrates a process in which a predetermined money consumer client accesses the server 100 and establishes a money consumption loan contract with a predetermined money consumer client through the server 100.

A predetermined money consumer account client accesses the server 100 through a predetermined terminal 104 (900), and provides the money consumption client information to the server 100 through the terminal 104 (905). ).

According to a preferred embodiment of the present invention, the process of providing the money-consuming borrower client information to the server 100 through a predetermined login process (eg, the ID of the money-consuming borrower client) / PW information) and personal information and / or account information and / or authentication of the money-consuming borrower client corresponding to the money-consuming borrower client identification information from a predetermined member information database (not shown) in the server 100 Preferably, the method comprises extracting information and / or communication means information.

As described above, after the money consumption client information is provided to the server 100 through the terminal 104 used by the money consumer client, the money consumer client is connected to the server 100 through the terminal 104. In step 910, the predetermined amount of money consumption contract request information is provided.

According to a preferred embodiment of the present invention, the money loan contract request information includes a predetermined amount of money loan agreement with the money borrowing client among the money loan contract condition information registered through the process of FIG. It is preferable to include the information to select a money consumer loan client, according to another embodiment, a money consumer loan agreement of the money consumer borrower client provided to the server 100 as shown in FIG. It may be included including condition information.

As described above, when the information on the consumer loan request and the information on the loan request for loan agreement is provided, the server 100 extracts the information on the loan agreement conditions of the money consumer loan client corresponding to the request for information on the loan agreement. In operation 915, the client makes a request to approve the terms of the money consumption loan contract of the money consumption client through the terminal 104 used by the money consumer client.

According to a preferred embodiment of the present invention, the step of approving the money balance agreement conditions, the money consumption agreement terms registered by the money consumer client from the server 100 to the terminal 104 used by the money consumer client It is preferable to include the step of transmitting and outputting, and confirming whether or not the money consumer client accepts the contract terms.

If the money consumer borrower client does not approve the terms of the loan agreement, the server 100 interoperates with the terminal 104 used by the money consumer client in order to obtain a predetermined amount of money from the money consumer client. Receiving the loan request information of the consumer loan contract (910), extracting the loan condition of the money consumer loan client corresponding to the information on the loan agreement condition information (915) to obtain the approval of the consumer of the money consumer ( Repeat step 920.

On the other hand, if the money-consuming borrower client approves the terms of the money-consumption loan contract (925), the server interoperates with a predetermined credit rating system to extract credit information of the money-consuming borrower client (930) and the money consumption Analyzing the information on the loan agreement conditions based on the credit information of the borrower client to determine whether the loan agreement between the money consumer and the money consumer corresponding to the loan agreement conditions can be established (935) ).

If the money loan agreement cannot be established (940), the server 100 generates error information on the credit consumer information and the money loan agreement condition information of the money consumer loan client to allow the money consumer borrower client to generate the error information. And transmits to the terminal 104 to be used (945), receives the money consumption loan contract request information from the cash consumer's client in cooperation with the terminal 104 to be used by the money consumer's client (910), and the money consumption. The process of extracting the money consumer loan agreement terms of the money consumer loan client corresponding to the loan agreement condition information (915) and obtaining the approval of the money consumer client is repeated (920).

On the other hand, if the money loan agreement can be established (940), the server 100 is based on the information on the money loan agreement conditions, the information on the money loan agreement between the client and the money consumer loan client (For example, information on money loan agreement conditions, money consumer loan client information, and money consumer loan client information) is generated (950), and the money consumption agreement related information is provided to the terminal 102 used by the money consumer client. By requesting approval for the money consumption loan contract (955).

If the money consumer client does not approve the money loan agreement (eg, if the money consumer client rejects the money consumer agreement with the money consumer client) (960), the server 100 Generates and transmits predetermined money balance agreement error information to the terminal 104 used by the money consumer client 965, and terminates the money balance agreement between the money consumer client and the money consumer client.

On the other hand, if the money consumer client approves the money consumer loan agreement (eg, if the money consumer client approves the money consumer loan agreement with the money consumer client) (960), the server 100 receives the money. A predetermined money balance agreement authentication electronic document 300 including information related to the loan agreement is generated 970, which is described in detail with reference to FIG. 11.

When the money loan agreement authentication electronic document 300 is generated as described above (970), the server 100 is linked with the financial system in which the financial account of the client and / or the consumer of the money consumer is opened. The money consumption balance is withdrawn from the financial account of the money consumer client and deposited into the financial account of the money consumer client (975).

According to another exemplary embodiment of the present invention, the process of generating the money balance agreement authentication electronic document 300 may be performed after the withdrawal and deposit of the money balance amount is performed.

As described above, when the money lending contract authentication electronic document 300 is generated, and the withdrawal and deposit of the money lending amount is performed, the server 100 is connected with the money lending contract authentication electronic document 300. The information related to the money lending contract is stored in a predetermined storage medium 160 (980), and the money lending contract authentication electronic document 300 and the money lending contract are provided to the money lender client and / or money lender client. By transmitting the relevant information (980), it is announced that a predetermined money lending contract has been established and processed between the money consumer account client and the money consumer client.

After the money consumption loan agreement is established and processed between the money consumer loan client and the money consumer loan client through the above process, the server 100 provides a money consumption loan agreement between the money consumer loan client and the money consumer loan client. Check whether the expiration date is 990, and if the money consumption agreement expires (995), the server 100 notifies the terminal 104 used by the money borrowing client client that the money consumption agreement has expired. (999).

10A and 10B are diagrams illustrating a money consumption agreement contract process according to an embodiment of the present invention.

In more detail, FIGS. 10A and 10B illustrate a process in which a predetermined money consumer client accesses the server 100 and establishes a money consumption loan agreement with at least one money consumer client through the server 100. will be.

A predetermined money consumer client connects to the server 100 through a predetermined terminal 104 (1000), and provides the money consumer client information to the server 100 through the terminal 104 (1005). In operation 1010, the money consumer account client provides predetermined money loan agreement request condition information to the server 100 through the terminal 104.

According to a preferred embodiment of the present invention, the money lending contract request condition information is predetermined to establish a predetermined money lending agreement with the money borrowing client among the money lending agreement condition information registered through the process of FIG. It is preferable to include the information to select the consumer of the money consumer, according to another embodiment, the money consumer loan provided by the money consumer client to the server 100 as shown in Figure 8 It may be included with the terms and conditions information.

As described above, when the information on the borrower's client and the information on the request for the loan's loan contract is provided, the server interoperates with a predetermined credit rating system to extract credit information about the client's client (1015). Analyze the money loan agreement condition information based on the credit information of the consumer borrower client to check whether the money loan agreement is established between the money consumer loan client and the money consumer loan client corresponding to the money loan agreement condition. 1020).

If the money loan agreement cannot be established (1025), the server 100 generates error information on the credit consumer information and the money lending agreement condition information of the money consumer account so that the money consumer client can generate the information. Transmitted to the terminal 104 to be used (1030), and receives a predetermined money consumption loan contract request condition information from the money consumer client in cooperation with the terminal 104 used by the money consumer (1010), the money The process 1020 is repeated to determine whether the consumer loan client can establish a predetermined money lending agreement.

On the other hand, if the money loan agreement can be established (1025), the server 100 is at least one or more corresponding to (or corresponding to the same condition) the money loan agreement request condition information from the storage medium 160 In operation 1040, the user may extract money consumption contract condition information, and select at least one money consumer loan client that establishes a money consumption loan contract with the money consumer client from the plurality of money consumption agreement condition information (1040). For example, 100 money consumption contract condition information corresponding to (or equivalent to) the money consumption contract request condition information was extracted from the storage medium 160, and the money consumption contract with the money consumer client. If there is a maximum of ten money consumer loan clients that can establish the above, the server 100 is randomly selected from the extracted money loan agreement condition information (or predetermined money consumption agreement condition information provided in the server 100). Choose 10 monetary loan agreement terms, according to the selection policy.

As described above, when at least one loan agreement condition is selected to establish a predetermined loan agreement with the client, the server 100 provides the money corresponding to the selected at least one loan agreement condition information. Information related to a predetermined money lending contract for the lending client to lend the money lending amount requested by the money lending client to the money lending client for a predetermined amount (e.g., information on money lending contract conditions and money consumption) To generate (1045) borrowing client information, money-consuming borrower client information), and to generate a predetermined money-consumption loan agreement authentication electronic document (300) including the information related to the money-lending contract (1050). The method is described with reference to FIG.

As described above, when the electronic money loan contract authentication electronic document 300 is generated (1050), the server 100 is linked with a financial system in which a financial account of at least one financial consumer client and / or financial consumer is opened. To withdraw at least one predetermined amount from the financial account of the at least one cash consumer loan client (1055), and adds the total amount of the withdrawal to the financial account of the cash consumer client (1060).

According to another exemplary embodiment of the present invention, the process of generating the money balance agreement authentication electronic document 300 may be performed after the partial withdrawal and deposit of the money balance amount is performed.

As described above, when the money consumption agreement authentication electronic document 300 is generated, and the process of withdrawal and deposit of the money consumption amount is carried out, the server 100 is the money consumption agreement authentication electronic document 300. And store the information related to the money lending contract in a predetermined storage medium 160 (1065), and to the at least one money consuming client and / or the money consuming client to the money lending contract authentication electronic document 300; By transmitting information related to the money lending contract (1070), it is known that a predetermined money lending contract has been established and processed between the at least one money consumer client and the money consumer client.

After establishing and processing a money consumption loan agreement between at least one money consumer loan client and the money consumer borrower client through the above process, the server 100 establishes a connection between the money consumer loan client and the money consumer loan client. If the money consumption contract expires (1075), and if the money consumption contract expires (1080), the server 100 is the terminal 104 used by the money consumer client is the money consumption loan contract Notify that it has expired (1085).

FIG. 11 is a diagram illustrating a process of generating a cash consumption agreement authentication electronic document 300 according to a preferred embodiment of the present invention.

In describing the process of generating the money balance agreement authentication electronic document 300 through the drawing 11, the money balance agreement authentication document is a predetermined web document (eg, as illustrated in FIGS. 12 and / or 13). The money balance agreement authentication electronic document (300) is generated in accordance with HyperText Markup Language (HTML) and / or eXtensible Markup Language (XML) and / or Active Server Pages (ASP) and / or future web page document) agreements. ) Is a case where a document type of a Multipurpose Internet Mail Extensions (MIME) standard is included based on a web document protocol (e.g., MHTML) that is compatible with the web document protocol as shown in FIGS. 14A and / or 14B. This will be explained using an example. However, if one of ordinary skill in the art to which the present invention pertains, the money lending contract authentication document to be described below is a predetermined document format that can be output through a word processor (or any dedicated document output means developed by those skilled in the art). It may be made, including, and the credit card loan electronic certification certificate 300 may include a document type of the EDI (Electronic Data Interchange) standard, or may include a predetermined document type defined by those skilled in the art. Will be clearly understood. As a result, the money balance agreement authentication electronic document 300 in the present invention is not limited to the case of FIGS. 12 and / or 13 and / or 14a and / or 14b illustrated below.

Referring to FIG. 11, the server 100 includes a money consumption contract content based on the money consumption agreement condition information, the money consumer loan client information, and the money consumer loan client information as shown in FIG. 12. To generate a loan agreement authentication document (1100), referring to FIG. 13 according to a preferred embodiment of the present invention, the money balance agreement authentication document as shown in FIG. 12 follows the HTML standard as shown in FIG.

When the money balance agreement authentication document is generated (1100), the server 100 determines the document format and document type for the money balance agreement authentication electronic document 300 generated from the money balance agreement authentication document. Referring to FIGS. 14A and / or 14B according to a preferred embodiment of the present invention, the document format for the money loan agreement authentication electronic document 300 follows the MHTML standard, and the document type follows the MIME standard.

As described above, when the document format and document type for the money lending contract authentication electronic document 300 are determined (1110), the server 100 encodes the money lending contract authentication document to the determined document format and document type. To generate a predetermined money balance agreement authentication electronic document (300).

When the money consumption agreement authentication electronic document 300 is generated as described above (1110), the server 100 is a predetermined amount of money consumption loans included in each segment of the money consumption agreement authentication electronic document 300. Contract related information (e.g., information contained in the information on the terms and conditions of the loan agreement, information included in the information on the client of the loan consumer, information included in the information on the borrower of the client, information on the creator of the electronic loan agreement authentication document 300, (1115) the information related to the money loan contract for each segment is provided from the money consumer client and / or money consumer client, or the server. It is preferable to read from the information provided in the 100.

As described above, when the segment-related money consumption contract-related information is read (1115), the server 100 is inserted into the segment of the money-consumption loan agreement authentication electronic document 300 in response to the segment-related money consumption contract-related information ( Or (1120) to create each segment of the information related to the money loan contract authentication (1120), and to insert (or attached) information related to the balance of money consumption contract for each segment in the generated money loan contract authentication information segment (1125).

As described above, the information related to the money consumption contract for each segment is read (1115), and a predetermined segment is generated in the money balance agreement authentication electronic document 300 (1120), and the respective money consumption for each segment for each segment. Inserting (or attaching) the loan contract authentication related information (1125) is repeated until all segments defined to be inserted (or attached) to the money lending contract authentication electronic document 300 are inserted (or attached). (1130).

If the process of inserting (or attaching) the SRP authentication information segment as described above is completed (1130), the server performs a notarization procedure for the SRT certificate electronic document 300 (1135). .

According to a preferred embodiment of the present invention, the notarization procedure for the money balance agreement authentication electronic document 300, the money consumer information and / or money consumer information provided from the money consumer client in Figures 9a and / or 10a. If the information about the credit certificate of each client is included in the information on the borrower client provided from the consumer of the money consumer, the loan agreement authentication electronic document 300 based on the information on the certificate of authentication is passed through a predetermined certification authority. It is preferable to include authentication. In addition, the notarization procedure for the money balance agreement authentication electronic document 300, each client in the process of providing the money balance agreement authentication electronic document 300 to the money consumption client and / or money consumer borrower client It is preferable to include receiving an electronic signature from the. In addition, the notarization procedure for the cash consumption agreement authentication electronic document 300, the institution that performs the electronic notarization procedure as prescribed by a notary institution (for example, as prescribed by law) It is preferable that it is made to include) and notarization.

According to another exemplary embodiment of the present invention, the notarization procedure for the money lending contract authentication electronic document 300 may be omitted according to the intention and / or law of a person skilled in the art.

14A and 14B are diagrams illustrating a money consumption agreement authentication electronic document 300 according to a preferred embodiment of the present invention.

In more detail, FIGS. 14A and 14B illustrate an image of the money consumption agreement authentication electronic document 300 generated through the MHTML document protocol and the MIME document type, and the predetermined image content in the money consumption agreement authentication electronic document 300. As shown in Figure 5a illustrates an embodiment that is inserted into the money balance agreement authentication electronic document 300. However, if the person skilled in the art to which the present invention belongs, based on the drawings illustrated in Figures 14a and 14b, the money lending contract authentication electronic document 300 is a document format other than MHTML and MIME And / or the method of generating through the document type can be easily inferred.

Referring to FIGS. 14A and 14B, the header part 105 and the body part 450 of the money lending contract authentication electronic document 300 according to the preferred embodiment of the present invention based on MHTML / MIME will be described below. same.

Referring to FIG. 14A, the header portion 105 of the money lending contract authentication electronic document 300 includes identifiers such as "From", "Subject", "Date", "MIME-Version", and "Content-Type". Starting with (definition string), the segment containing the identifier corresponds to document type identification segment 440 that specifies that the money lending agreement authentication electronic document 300 is a document type that conforms to the MIME standard. In addition, the document type identification information segment 440 is an "X-MimeCreator" identifier containing the program information for generating the money balance agreement authentication electronic document 300, and the money balance agreement authentication electronic document 300 "This is a multi-part message in MIME format." Specifying that is a MIME standard multi-message (eg, a message consisting of at least one subpart). Contains the syntax. The document type identification segment 440 uses "From" as the header identification tag and "." As the tag identification tag.

Referring to FIG. 14A, a header information segment 410 is located after the document type identification information segment 440, and the header information segment 410 is a header portion of the money lending contract authentication electronic document 300. At 105) the document type identification information segment 440, money lending contract condition information segment 415, money lending client information segment 420, money lending client information segment 425, money lending contract authentication electronics Except for the document creator information segment 430, the money lending contract authentication electronic document generation date information segment 435, the header information segment 410 is the "Content-Type" for the body segment 455 and An encoding method (eg, “Content-Transfer-Encoding: quoted-printable”) of the money lending contract authentication electronic document 300 is included. The header information segment 410 uses "------ = _ NextPart_" as a header identification tag.

Referring to FIG. 14A, the header information segment 410 is followed by a money loan agreement condition information segment 415, a money consumer loan client information segment 420, a money consumer loan client information segment 425, The money lending contract authentication electronic document generator information segment 430 and the money lending contract authentication electronic document generation date information segment 435 are sequentially located.

The money balance agreement condition information segment 415 uses "<!-Contract Contision-!>" As a segment identification tag, "X-LenfingAmount" corresponding to the money balance amount, and the money consumption balance. "X-RateOfInterest" for calculating and processing interest on the amount, "X-DefaultCondition" corresponding to certain breach conditions of the money-consumption agreement, and "X-DefaultPenalty" for penalties for breach of the contract. "X-SupplyDateOfInterest", which specifies the interest payment date for the money loan amount, "X-OpeningDate" corresponding to the start date of the money loan agreement, and "X-ExpirationDate" corresponding to the expiration date of the money loan agreement. It is made to include, and more items can be added according to the implementation method and / or intention of those skilled in the art.

The money consumer client information segment 420 uses "<!-Information of Obligee-!>" As a segment identification tag, and the "X-Name" and "corresponding to personal information of the money consumer client; An X-ID / PW ", " X-Number " and " X-Address ", and " X-Account " corresponding to the account information of the money consuming client. And " X-Phone " and " X-Email " corresponding to the information, and " X-AuthenticationCode "

The cash consumer client information segment 425 uses "<!-Information of obligor-!>" As a segment identification tag, and the "X-Name" and "" corresponding to the personal information of the cash consumer client. A communication means of the money-consuming borrower client, including "X-CreditScore" including X-ID / PW "," X-Number ", and" X-Address ", and corresponding to credit information of the money-consuming borrower client. And " X-Phone " and " X-Email " corresponding to the information, and " X-AuthenticationCode &quot;

The money lending contract authentication electronic document generator information segment 430 uses "<!-Authentication Authority-!>" As a segment identification tag and generates the money lending contract authentication electronic document 300. (Or authority) corresponding to "X-Authority", "X-RecognitionNumber" corresponding to registration information of the company (or authority), and means for generating the money balance agreement authentication electronic document 300. Includes "X-AttestationOfficial".

The money consumption agreement authentication electronic document generation date information segment 435 uses "<!-Date Of Authentication-!>" As a segment identification tag, and generates the money consumption agreement authentication electronic document 300. Contains "X-DateOfAuthentication" corresponding to one date.

Referring to FIG. 14B, in the body portion 450 of the money lending contract authentication electronic document 300, the body segment 455 uses "" as a header identification tag, and the attachment file segment 460 is the body segment. (455) The following "------ = _ NextPart_" is used as a header identification tag.

In addition, the attachment file segment 460 includes an attachment file registrant information segment 465 and an attachment file information segment 470. Referring to FIG. 14B, the segment includes an attachment file registrant information segment 465 and an attachment. The file information segment 470 is described as follows.

The attachment file registrant information segment 465 includes "X-OwnerOfAttachment" and "X-OwnerIdentification" identifiers corresponding to the registrant information that registered the attachment (image content), and the "X-OwnerOfAttachment" is the above. Includes the name of the registrant who registered the attachment (image content), wherein the "X-OwnerIdentification" is unique information for identifying the registrant who registered the attachment (image content) in the certification authority (for example, attachment file in the certification authority) (Image content) ID information assigned to (or assigned to) the registrant, or the certificate information or biometric information of the registrant of the attached file (image content). The attachment registrant information segment 465 uses "X-OwnerOfAttachment" as the header identification tag and ";" as the tag identification tag.

The attachment file information segment 470 includes a " Content-Type " identifier corresponding to the attachment file format information 470-1, and attachment file encoding information 470- that specifies an encoding scheme of the attachment file (image content). 3) a " Content-Transfer-Encoding " identifier corresponding to the " Content-Location " corresponding to the attachment location information 470-2 on the system, and the " Content-Transfer-Encoding " And the attachment file encoding data 470-4 encoded in the encoding scheme corresponding to the identifier. The attachment file information segment 470 uses " Content-Type " located after a tag identification tag of the attachment file registrant information segment 465 as a header identification tag.

In the attachment file information segment 470, the attachment corresponds to image content so that the "Content-Type" includes "image / jpeg" and the "Content-Transfer-Encoding" indicates that the image content is "BASE64". The "Content-Location" includes the location where the image content is actually stored on the system, and is attached after the "" after the "Content-Location". -4) is information obtained by encoding the image content stored in the "Content-Location" in the "BASE64" method. When the attachment file encoding data 470-4 is decoded in the "BASE64" method, the information is stored in the "Content-Location". The stored image content is created.

According to the present invention, the money borrower client who wants to borrow from a predetermined financial institution, and / or needs to pay, can conveniently use the money loan contract based on the money loan contract authentication electronic document. There is an advantage of financing a predetermined amount by establishing a loan, and the money consumer client who wants to call his assets establishes a money loan agreement through the loan agreement authentication electronic document and lends a predetermined amount to interest income. This has the advantage of generating it safely.

Claims (26)

In the method of generating a cash balance agreement authentication electronic document executed by a server, Storing the money consumption loan contract conditions registered from the money consumption terminal; Confirming an authentication result of the validity of the terms of the money loan agreement received from the money consumer terminal based on information stored in the ledger of the financial system in which the account of the money consumer is opened; After confirming the money consumption loan agreement terms that match the money consumption loan agreement terms of the money consumer loan agreement, the money consumption terms of the money consumer loan agreement Providing a loan to a consumer of the money consumer by adding a loan condition for a loan of money to the lender; If the financial consumer borrower's approval of the provision of the financial loan agreement is confirmed by the terminal of the consumer, the creditworthiness of the consumer's credit rating is determined by the financial consumer's loan agreement confirmed by the financial consumer's contract. Providing to the terminal to the consumer of the money to attach; And Upon confirmation of the agreement by the consumer of the money consumer for the terms of the loan agreement provided by the consumer of the money consumer, the terms and conditions of the money consumer loan agreement approved by the consumer and the consumer of money and Generating a financial consumer loan agreement authentication electronic document including the information on the borrower information. The method of claim 1, Confirming the money consumer borrower authentication information for authenticating that the money consumer borrowed the contract of the money consumer loan agreement terms; The money balance agreement certification electronic document, A method for generating an electronic money loan contract authentication electronic document, including the money consumer borrower authentication information or mapped to the money consumer borrower authentication information. The method of claim 1, Confirming a withdrawal transaction and a deposit transaction of a money consumption loan agreement condition processed through the financial system; And Generating and appending the money balance agreement authentication information for authenticating the checked withdrawal transaction and the deposit transaction to the money balance agreement authentication electronic document or mapping the money balance agreement authentication electronic document; Method of generating a cash consumer loan agreement authentication electronic document, characterized in that made. delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete

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