KR101350416B1 - Method for providing bank loan service for business owner and bank system for managing the same bank loan service - Google Patents

Abstract

The present invention discloses a method for providing a bank loan service to a business owner.
Loan principals are determined for the business owners who have registered for the loan service, accounts are set up to deposit reimbursements for sales and loan principals collected from the credit card companies, and the loan principal information in the ledger database allocated to the business owners. And store account information, store sales information recorded for a predetermined period of sales collected by the employer in a ledger database, and based on loan principal information and sales information, the current repayment amount from the current sales collected from the card companies at each repayment time Disclosed is a method for providing a bank loan service for a business owner who deposits a deduction settlement in a business owner's account.

Description

Method for providing bank loan service for business owner and bank system for managing the same bank loan service}

The present invention discloses a method for providing a bank loan service to an employer and a banking system for providing a loan service.

Employers can use the lending services of financial institutions to finance capital to run their businesses. In addition, lending rates of banking institutions are lower than those of private financial institutions, so employers who want low-interest lending services prefer lending services provided by banking institutions.

The income source of a business owner who runs a small business is often a small amount of revenue generated in the short term. Therefore, in order to repay the loan principle, the employer must collect a small amount of revenue generated in the short term for a long time. However, in the case of small businesses, the business environment is uncertain and the asset situation is likely to be unstable, so the employer is at high risk of unintentionally wasting the loan repayments before reaching the long-term repayment maturity.

In addition, the lending limit should be determined at a level that the operator can reliably repay, but the sales volume of the small business is opaque, and the financial institution lacks an objective basis for determining the credit limit of the operator.

The present invention is to provide a loan service that the employer can safely repay the loan principal and interest loaned to the bank, and to objectively determine the credit limit for the employer based on the sales information of the employer.

According to an embodiment of the present invention, a method of providing a bank loan service to a business owner of a business in which a financial card based transaction occurs, determines a principal and interest loaned to the business owner registered to the loan service, and the financial card To establish an account for depositing sales collected from the credit card companies to the employer and reimbursement for the principal and interest, and in the ledger database allocated for the employer in connection with the loan service, loans related to the principal and interest Storing principal money information and account information; Generating sales information recording the sales collected by the business owner for each predetermined period and storing the sales information in the ledger database; And determining the settlement amount by subtracting the current repayment amount from the current sales collected from the card companies at each repayment time based on the loan principle information and the sales information, and depositing the settlement amount in the account of the employer. .

According to an embodiment, a method of providing a bank loan service for a business owner includes determining a loan limit of the business owner based on the sales information generated during a predetermined settlement period among the sales information, and includes information on the determined loan limit. And updating the credit limit information stored in the ledger database.

According to an embodiment of the present invention, a banking system for providing a loan service to a business owner who operates a business in which sales are generated through a financial card-based transaction includes the principal and interest loaned to the business owner who has registered for the loan service. A loan service initialization unit for setting loan principal information related to the account information and an account for collecting sales amount collected from the financial card-based card companies to the employer and repayment of the employer for the principal and interest; A sales information generation unit for generating sales information recording the sales of the business owners collected from the card companies for each predetermined period; A loan principal settlement unit for depositing a settlement amount deducting a current repayment amount from the current sales collected from the card companies at each repayment time, based on the loan principal information and the sales information of the business owner, into the account of the business owner; And a ledger database manager configured to store the loan principal information, the account information, and the sales information in a ledger database allocated to the employer in relation to the loan service from a bank database.

According to an embodiment, a banking system for providing a loan service for the business owner may analyze the sales volume and the sales flow of the business owner based on the sales information generated during a predetermined settlement period among the sales information, and based on the analysis. Determining the loan limit of the business owner, and may further include a credit limit determination unit for updating the credit limit information including information on the loan limit.

According to an embodiment of the present invention, a bank system that provides a loan service for an employer may directly recover the repayment by the banking system from sales generated to the employer every repayment period until the repayment maturity of the employer's loan principle, and accounts and repayments for the collection of sales. By directly managing the account for recovery, stable repayment collection can be guaranteed.

In addition, based on the loan service for the business owner according to an embodiment, the business owner is less likely to overdue the repayment due to a mistake, and can prevent the waste of the sales by wasting by using other than the repayment of the loan principal. It is advantageous to complete the repayment of loan principle stably.

In addition, based on the sales information of the business owner for each period, the sales size and sales flow of the business owner during the settlement period can be analyzed, so that the credit limit for the business owner can be determined based on the objective basis.

1 is a block diagram of a banking system that provides loan services for business owners, according to one embodiment.
2 illustrates a block diagram of a banking system for providing loan services for business owners according to another embodiment.
3 illustrates a flow of funds between accounts associated with a loan service for an employer, according to an embodiment.
4 illustrates sales information for determining a loan limit in relation to a loan service for an employer according to another embodiment.
5 is a flowchart of a method of providing a bank loan service for an employer, according to an exemplary embodiment.

1 is a block diagram of a banking system that provides loan services for business owners, according to one embodiment.

The bank system 100 providing a loan service for a business owner according to an embodiment may include a loan service initialization unit 110, a sales information generation unit 120, a loan principal settlement unit 130, and a ledger database manager 140. It includes. Hereinafter, for convenience of description, the bank system 100 that provides a loan service for an employer according to an embodiment will be referred to as the bank system 100 according to an embodiment.

The bank system 100 according to an embodiment may provide a loan service to a business owner who operates a business in which revenue is generated through a financial card based transaction. The employer may be a small business owner who runs a small business. When the bank system 100 according to an embodiment receives a subscription request for a loan service according to an embodiment from a business owner, the bank system 100 calls and operates the loan service initialization unit 110.

Loan service initialization unit 110 according to an embodiment, based on the personal information and credit information of the business owner who applied for subscription to the loan service, determines whether there is a credit eligible to receive a loan service to the business owner. If it is determined that the loan service initialization unit 110 may be provided with the loan service, the business owner may register the loan service target, and determine the principal and interest (hereinafter, 'loan principle') of the loan.

The loan service initialization unit 110 according to an embodiment may determine a repayment timing and a repayment maturity of the loan principal for the business owner who is loaned through the loan service according to the embodiment. The loan service initialization unit 110 according to an embodiment may determine a repayment amount to be repaid by the employer at each repayment time. According to an embodiment, the repayment timing may be determined at predetermined intervals so that repayment can be repaid regularly. Repayment according to an embodiment may be determined by a predetermined amount or a predetermined amount with respect to the loan principle.

In addition, the loan service initialization unit 110 according to an embodiment may determine a settlement time for depositing the settlement money, which is deducted from the current sales, into the settlement account for each repayment time. The repayment time and the settlement time can be set separately. For example, as sales occur, it may be determined that the repayment timing and the settlement timing coincide with each other so that the repayment can be recovered to the bank and the settlement can be paid to the employer.

In addition, the loan service initialization unit 110 according to an embodiment may determine the settlement period for determining the loan limit of the employer.

The business owner may subscribe to a loan service according to an embodiment through a bank branch or online through internet banking. Bank system 100 according to an embodiment may be mounted on the central server of the bank or driven by the bank central server. The loan service subscription request input through the terminal computer of the bank branch or through internet banking may be transmitted to the bank central server through the bank computer network, and processed by the bank system 100 according to the instructions of the bank central server.

The loan service initialization unit 110 according to an embodiment may generate loan principal information related to the principal and interest of the loan amount and transmit the loan principal information to the ledger database manager 140. In addition, the loan service initialization unit 110 according to an embodiment generates period-related information including at least one of repayment time information, repayment maturity information, repayment information, settlement time information, and settlement period information, the ledger database It may be delivered to the management unit 140.

In addition, the loan service initialization unit 110 according to an embodiment may set the account for the employer to collect the receivables for the revenue and the loan principal of the loan service from the credit card-based card companies. The loan service initialization unit 110 according to an exemplary embodiment may set, for a business owner, a revenue collection account, which is a virtual account for collecting sales of business owners from card companies, and a repayment account, which is a parent account for collecting repayments.

In addition, the loan service initialization unit 110 according to an embodiment may set a settlement account for the business owner to deposit the settlement amount deducted from the loan principal from the sales collected from the card company to the sales collection account.

The loan service initialization unit 110 according to an embodiment may generate loan principal information and account information related to a loan service to a business owner and transmit the loan principal information to the ledger database manager 140.

According to an embodiment, the sales information generator 120 may generate sales information that records sales of a business that is collected through a sales account of a business owner for a predetermined period of time, and transmit the sales information to the ledger database manager 140.

The ledger database manager 140 according to an embodiment may allocate a ledger related to a business owner's loan service and a ledger database 150 for storing business owner related information and loan service related information from a bank database.

According to an embodiment, the bank system 100 may provide a loan service to a plurality of registered business owners. The ledger database 150 may be separately allocated to each employer, so that loan-related information for each employer may be separately stored. In the following description, for convenience of explanation, the bank system 100 will be described based on the operation of the bank system 100 for implementing the loan service of one business owner. It is obvious to those working in the same field that they can provide loan services.

The ledger database manager 140 according to an embodiment stores loan principal information, account information, and sales information related to a business owner's loan service in the ledger database 150.

According to an embodiment, the sales information may be related to the sales of the business owner, the sales information received by the card company on the date of payment of the card transaction, the repayment sales information on the sales collected by the repayment time, the repayment sales days information, and the repayment sales history information. And information on the current amount of the deposit account.

In addition, the sales information according to the implementation, in relation to the repayment of the loan amount of the employer, among the settlement information of the settlement amount deposited in the settlement account at each settlement time, the current status of loan principal for the current loan principle, and the details of the repayment history of the employer It may further include at least one.

The ledger database manager 140 according to an embodiment may store repayment time information and repayment maturity information, settlement time information, and settlement period information transmitted from the loan service initialization unit 110 in the ledger database 150.

Loan principal settlement unit 130 according to an embodiment, based on the loan principal information and the business owner's sales information stored in the ledger database 150, deducts the loan principal at each repayment time to determine the settlement to be paid to the employer and settled Can be deposited into the settlement account. According to an embodiment, the settlement amount generated at each repayment period is an amount less the current repayment amount for the loan principal from the current sales of the business owner collected in the account for receivables at the repayment period.

Loan principal settlement unit 130 according to an embodiment, the current sales collected in the business owner's sales collection account at each repayment period, the account is directly transferred from the sales collection account to the repayment account, repayment of the current sales deposited in the repayment account Current repayments can be collected by time. Loan principal settlement unit 130 according to an embodiment, the account can be transferred to the settlement account settled by deducting the current repayment from the current sales deposited in the repayment account at each settlement time.

In addition, the loan principal settlement unit 130 according to an embodiment, if the current sales collected in the business owner's sales collection account at each repayment time is transferred to the settlement account, all the accounts are transferred to the repayment account, and deposited in the repayment account Current repayments can be collected from the current sales. Loan principle settlement unit 130 according to an embodiment, the current settlement collected in the repayment account at the time of settlement may be transferred to the settlement account of the current settlement minus the current repayment.

In addition, the loan principal settlement unit 130 according to an embodiment, the current repayment of the repayment time of the current sales collected in the receivables account at each repayment time, can be directly transferred from the receivables account to the repayment account. In this case, the loan principal payment unit 130 according to an embodiment may directly transfer the current settlement amount, which is deducted from the current repayment amount, from the current sales collected in the sales deposit account to the settlement account at the settlement time.

According to this method, the settlement information related to the repayment time settled by the loan principal settlement unit 130 according to the embodiment is settled in the settlement account, is transferred to the ledger database manager 140 and stored in the ledger database 150. Can be.

2 illustrates a block diagram of a banking system for providing loan services for business owners according to another embodiment.

The bank system 200 that provides a loan service for a business owner according to another embodiment may include a loan service initialization unit 110, a sales information generation unit 120, and a loan principal settlement of the bank system 100 according to an embodiment. In addition to the unit 130 and the ledger database management unit 140, the credit limit determination unit 260 further includes. For convenience of explanation, hereinafter, the bank system 200 that provides a loan service for an employer according to another embodiment will be referred to as a 'bank system 200 according to another embodiment'.

The credit limit determination unit 260 according to one embodiment may analyze the sales volume and the transaction flow of the business owner based on the sales information generated during the predetermined settlement period among the sales information, and determine the loan limit of the business owner.

The credit limit determination unit 260 according to an embodiment may analyze the sales volume and the transaction flow of the business owner based on the repayment sales days information and repayment sales information for each repayment time stored in the ledger database management unit 140. On the basis of the repayment sales days information and the repayment sales information, when one or more repayment periods arrive during the settlement period, the cumulative sales and sales days of the repayment periods during the settlement period are determined, and accordingly, the amount of sales during the settlement period and Transaction flow can be determined.

The ledger database manager 140 according to an embodiment may store credit limit information including information about a loan limit of an employer. The credit limit determination unit 260 according to one embodiment updates the credit limit information for the business owner according to the newly determined loan limit, and transmits the credit limit information to the ledger database manager 140.

The credit limit determination unit 260 according to an embodiment may generate credit limit information for the business owner including information on the newly determined loan limit, and transmit the credit limit information to the ledger database manager 140. The ledger database manager 140 according to an embodiment may store the credit limit information generated for the business owner in the ledger database 150.

3 illustrates a flow of funds between accounts associated with a loan service for an employer, according to an embodiment.

The banking systems 100 and 200 may manage a loan service related account 310 for repaying the loan principle of the employer in relation to the loan service for the employer. The banking systems 100 and 200 may set up a loan service related account 310 including a sales deposit account 330, a repayment account 340, and a settlement account 350 for the employer.

According to an embodiment, the revenue deposit account 330, the repayment account 340, and the settlement account 350 may be accounts of the same bank or accounts of mutual banks. In accordance with an embodiment, the transfer of funds between a deposit account, a repayment account, and a settlement account is a 'CMS (Cash Management Service) -based fund transaction', 'Firm Banking' fund transaction, and a bank through the KFTC. This can be done through the 'Financial KFTC CMS Funding', where funds are transferred between accounts.

According to one embodiment, the deposit account 330 is a deposit only account, it may be opened in the name of the business owner. According to an embodiment, the redemption account 340 may be set to the name of the account holder in which the transaction with the bank system 100 or 200 exists. In addition, since the account holder of the repayment account 340 may be a business owner, both the deposit and receivable account 330 and the repayment account 340 may be set in the name of the business owner. According to one embodiment, the settlement account 350 may be set to a new account or an existing account in the name of the business owner.

When the business owner operates the business through a transaction based on the financial cards of the card companies 320, the card transaction price may be deposited from the respective card companies among the card companies 320 at the time of depositing the corresponding card transaction price ( s360, s362, s364, s366). In the account for receivables 330, card transaction payments received from card companies 320 may be collected until the next repayment time of the loan service according to an exemplary embodiment. The card transaction amount deposited from the card companies 320 to the business owner's revenue collection account 330 may be regarded as sales information generated through a financial card based transaction and may be regarded as sales information related to a loan service according to an exemplary embodiment.

In order to repay the loan principal loaned by the employer, the banking system 100, 200 reads the repayment timing and the repayment amount based on the repayment timing information and the repayment information stored in the ledger database 150, and repays the money from the sales of the employer. Can be recovered. In addition, the banking systems 100 and 200 may determine the settlement amount after collecting the repayment from the sales amount of the business owner at the settlement time read out based on the settlement time information stored in the ledger database 150, and may pay it to the employer. .

According to an embodiment, the repayment period and the settlement period may be the same or may be separate periods. For example, the repayment date is the payment date when the card transaction is deposited from the card company to the employer, and if the repayment time is the same as the settlement time, the repayment account is deposited on the same day after the card company transaction payment is deposited into the sales collection account 320. The repayment may be transferred to the account 340, and the settlement may be transferred to the settlement account 350.

When the repayment time arrives, the bank system 100 or 200 recovers the current repayment amount 345 from the current sales turnover 335 of the business owner who has been collected in the account receivable account 330 so as to deposit the money in the repayment account 340. Can be. The bank system (100, 200), at the current settlement time, determines the current settlement (355) by deducting the current repayment (345) from the current sales (335) collected in the sales account 330, the settlement account (350) Can be transferred to).

The banking system 100, 200 recovers the current repayment 345 from the current sales 335 and pays the current settlement account to the employer, the receivable account 330, the repayment account 340 and the settlement account 350. A fund transfer occurs between the two, various examples of which are described below.

For example, as another example, when the repayment time arrives, the bank system 100 or 200 may transfer the current sales turnover 335 of the business owner, which has been collected in the turnover account 330, to the redemption account 340. (S370). In this case, the bank system 100 or 200 may recover the current repayment amount 345 from the current sales amount 335 deposited in the repayment account 340. When the settlement time arrives, the bank system 100 or 200 may transfer the current settlement 355, which is the current sales amount 335, minus the current repayment amount 345, from the redemption account 340 to the settlement account 350. (S375).

As another example, when the repayment time arrives, the bank system 100 or 200 may transfer the current sales amount 335 of the business owners collected in the sales deposit account 330 to the settlement account 350 (s380). . In this case, the bank system 100 or 200 transfers all of the current sales amount 335 deposited in the settlement account 350 into the redemption account 340, and repays the current redemption amount 345 among the current sales amount 335. 340 may be collected and collected (s383). When the settlement time arrives, the banking systems 100 and 200 settle the repayment account 340 from the repayment account 340 to the repayment account 340 from the repayment account 340. ) Can be transferred again (s386).

As another example, when the repayment time arrives, the bank system 100 or 200 repays the current repayment 345 from the receivable account 330 among the current sales 335 collected so far in the account receivable account 330. The account 340 can be directly transferred to the account (s390). In addition, when the settlement time arrives, the bank system 100 or 200 receives the current settlement amount 355 from the current sales amount 335 collected in the sales deposit account 330 and the settlement account 350 from the sales deposit account 330. ) Can be directly transferred to the account (s395).

On the basis of the transfer of funds between accounts generated in this way, the daily sales information on the sales amount deposited in the revenue collection account 330 for each card company deposit date may be stored in the ledger database 150. In addition, the repayment sales information about the current sales (335) collected in the sales account 330, the current repayment information 345 of the current repayments (345) collected in the repayment account 340 by the repayment time, and the number of sales days in which daily sales occurred Repayment sales day information related to, and reimbursement history information recorded the various details related to the repayment can be stored in the ledger database 150.

In addition, the current settlement information on the current settlement amount 355 deposited in the settlement account 350 and the loan principal status information on the remaining amount of the loan principle until the current settlement time may be stored in the ledger database 150. It may be.

4 illustrates sales information for determining a loan limit in relation to a loan service for an employer according to another embodiment.

The bank system 200 may analyze the sales volume and the transaction flow of the business owner based on the sales information generated during the predetermined settlement period from the sales information stored in the ledger database 150, and determine the loan limit of the business owner. Settlement period information for determining a loan limit of the employer may be set by the loan service initialization unit 110 and stored in the ledger database 150. Settlement period information may be variously set, such as 6 months, 9 months, 1 year.

For example, the daily deposit amount of the card transaction amount deposited from the card company to the employer may be recorded in a batch form, and may be stored as the daily sales information 410 among the sales information of the ledger database 150. Accordingly, the daily sales and sales details of the business owner may be read from the daily sales information 410. In addition, in the sales information of the ledger database 150, the cumulative details of the sales collected by the employer for each monthly repayment time may be read from the monthly sales information 420.

When the business owner has entered into a merchant contract with a plurality of card companies, since one business owner deposits card transaction charges from a plurality of card companies, the details of the deposit for each card company may be separately recorded and stored as sales information.

In addition, when the bank system 200 provides a loan service to a large number of business owners, deposit details for each credit card company may be recorded separately and stored as sales information for each business owner.

In the daily sales information 410, the occurrence days and the sum of the sales 415 of June 1, 2011, June 2, 2011, ..., June 30, 2011 are the monthly sales information 420. It may correspond to the number of days and the amount of sales of the sales information 425 of June 2011.

For example, the bank system 200 determines the sales volume and the transaction flow of the business owner based on the sales information generated during the closing period of 6 months based on the daily sales information 410 and the monthly sales information 420. The sales information 430 for each settlement period may be generated. Based on the sales information 427 from January 2011 to June 2011 among the monthly sales information 420, the sales amount and sales flow 435 generated from the business owner during the first half of 2011 among the sales information 430 of the closing cycle You can decide.

The bank system 200 according to another embodiment may update the loan limit set for the business owner based on the sales size and the transaction flow of the sales information 430 for each settlement period for the business owner. For example, if the credit card company receives monthly payments from the card company to the employer during the settlement period, it may be analyzed that the employer is unlikely to overdue the loan repayment. As a result, employers' lending limits may be raised.

5 is a flowchart of a method of providing a bank loan service for an employer, according to an exemplary embodiment.

In step 510, when a loan service subscription request is received from a business owner of a business in which a financial card based transaction occurs, loan principal and interest for the business owner are determined. In connection with the loan service, a business owner may be registered and registered with the business owner database 150.

The repayment and repayment timing of the principal's loan principal may be determined. The repayment may be set to a certain amount or a certain amount of the loan principal, and the repayment time may be set at a predetermined cycle.

In addition, an account for depositing sales and principal and interest payments collected from the credit card companies based on the credit card is set up, the account information related to the loan service is stored in the ledger database 150.

In the ledger database, loan principal information related to loan principal and interest may be stored. In addition, the ledger database 150 may further store at least one of repayment time information and repayment maturity information, repayment time information of repayment time, settlement time information, and settlement period information.

In addition, a payment account for collecting card transactions from card companies, a repayment account for collecting repayments, and a settlement account for collecting payments may be set up for the operator. Receivables account information, repayment account information and settlement account information may be stored in the ledger database (150).

In step 520, sales information is recorded and recorded in the ledger database 150 for each predetermined period of sales collected by the business owner. At least one of daily sales information recorded for each card transaction payment, repayment sales information recorded for each repayment time, repayment sales days information, and repayment sales history information may be stored in the ledger database 150.

In step 530, based on the loan principal information and sales information stored in the ledger database 150, the current repayment is deducted from the current sales collected from the card companies at each repayment time, the settlement is determined, and the settlement is deposited in the account of the employer .

For example, the current sales amount collected in the sales collection account at each repayment time may be directly transferred from the sales collection account to the repayment account, or if the account is transferred from the sales collection account to the settlement account. A settlement amount deducting the current repayment amount by repayment period from the current sales deposited in the repayment account is deposited from the repayment account into the settlement account, and the current repayment money can be recovered by remaining in the repayment account.

For example, the current repayment by repayment period of the current sales collected in the receivables account at each repayment period may be directly transferred from the receivables account to the repayment account. In this case, the current settlement collected by subtracting the current repayment payment from the current sales collected in the sales deposit account may be directly transferred from the sales collection account to the settlement account at the time of settlement.

In addition, at least one of settlement information recorded for each settlement time, loan principal status information, and business owner's repayment history information may be stored in the ledger database 150.

In addition, in the method of providing a bank loan service for an employer, according to an exemplary embodiment, a loan limit of an employer may be newly determined based on sales information generated during a predetermined settlement period among sales information. For example, based on the repayment sales days information and the repayment sales information for each repayment period arrived for a predetermined settlement period, the sales volume and transaction flow of the business owner may be analyzed. Accordingly, the credit limit information may be updated and stored in the ledger database 150 for the employer.

The block diagrams disclosed herein may be construed to those skilled in the art to conceptually represent circuitry for implementing the principles of the present invention. Likewise, any flow chart, flow diagram, state transitions, pseudo code, etc., may be substantially represented in a computer-readable medium to provide a variety of different ways in which a computer or processor, whether explicitly shown or not, It will be appreciated by those skilled in the art. Therefore, the above-described embodiments of the present invention can be realized in a general-purpose digital computer that can be created as a program that can be executed by a computer and operates the program using a computer-readable recording medium. The computer-readable recording medium may include a storage medium such as a magnetic storage medium (eg, a ROM, a floppy disk, a hard disk, etc.) and an optical reading medium (eg, a CD-ROM, a DVD, etc.).

The functions of the various elements shown in the figures may be provided through use of dedicated hardware as well as hardware capable of executing the software in association with the appropriate software. When provided by a processor, such functionality may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared. Also, the explicit use of the term " processor "or" control unit "should not be construed to refer exclusively to hardware capable of executing software and includes, without limitation, digital signal processor May implicitly include memory (ROM), random access memory (RAM), and non-volatile storage.

In the claims hereof, the elements depicted as means for performing a particular function encompass any way of performing a particular function, such elements being intended to encompass a combination of circuit elements that perform a particular function, Or any form of software, including firmware, microcode, etc., in combination with circuitry suitable for carrying out the software for the processor.

Reference throughout this specification to " one embodiment " of the principles of the invention and various modifications of such expression in connection with this embodiment means that a particular feature, structure, characteristic or the like is included in at least one embodiment of the principles of the invention it means. Thus, the appearances of the phrase " in one embodiment " and any other variation disclosed throughout this specification are not necessarily all referring to the same embodiment.

In this specification, the expression 'at least one of' in the case of 'at least one of A and B' means that only the selection of the first option (A) or only the selection of the second listed option (B) It is used to encompass the selection of options (A and B). As an additional example, in the case of 'at least one of A, B and C', only the selection of the first enumerated option (A) or only the selection of the second enumerated option (B) Only the selection of the first and second listed options A and B or only the selection of the second and third listed options B and C or the selection of all three options A, B, and C). Even if more items are listed, they can be clearly extended to those skilled in the art.

So far I looked at the center of the preferred embodiment for the present invention.

All embodiments and conditional examples disclosed throughout the specification are intended to help one of ordinary skill in the art to understand the principles and concepts of the present invention. It will be understood that modifications may be made without departing from the essential features of the invention. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

Claims (16)

In the method of providing a bank loan service to the business owner of the business in which the financial card-based transaction occurs,
Determining the principal and interest loaned to the business owner registered to the loan service, depositing a receivable account for collecting the sales collected from the credit card companies of the financial card and the repayment for the principal and interest Set up a deposit account for depositing the repayment account deducted from the repayment amount from the repayment account and the sales amount, and the loan principal information and account related to the principal and interest in the ledger database allocated to the employer in relation to the loan service; Storing the information;
Generating sales information recording the sales collected by the business owner for each predetermined period and storing the sales information in the ledger database; And
On the basis of the loan principal information and the sales information, if the current sales amount collected in the turnover account for each repayment time exceeds the current repayment amount, the current sales amount is transferred to the repayment account to retain the current repayment amount. Bank transfer service for a business owner, comprising: transferring a current settlement amount, which is subtracted from a repayment amount generated at each repayment period, from the accumulated revenue remaining in the repayment account at a settlement time different from the repayment time to a settlement account; How to Provide. delete The method of claim 1, wherein the bank loan service for the business owner is provided.
Determining, among the sales information, the loan limit of the business owner based on the sales information generated during a predetermined settlement period, and updating the credit limit information stored in the ledger database, including information on the determined loan limit. Bank loan service providing method for a business owner characterized in that. The method of claim 3, wherein updating and storing the credit limit information comprises:
And analyzing the sales volume and the transaction flow of the business owner based on the repayment sales days information and the repayment sales information for each repayment period, which are stored for each repayment period that has arrived during the predetermined settlement period. To provide bank loan services for people. The method of claim 1, wherein storing the loan principal information and the account information comprises:
Determining the repayment amount by a predetermined amount or a ratio of the principal and the interest, and determining the repayment period at a predetermined period; And
Repayment time information and repayment maturity information for the principal and interest, repayment information for the amount to be repaid by the employer at the repayment time, and the settlement amount after deducting the repayment from the current sales for each repayment time is deposited into the account of the employer; And storing at least one of settlement time information for the settlement time to be settled and settlement period information for determining the loan limit of the employer in the ledger database. . The method of claim 1, wherein the generating and storing the sales information comprises:
As the information on the sales amount, the sales information on the amount of card transactions deposited in the account of the business owner by the card company deposit date, the repayment sales information on the sales amount collected in the account of the business owner by the repayment time, repayment sales days information and The bank loan service providing method for a business owner, characterized in that for storing at least one of the repayment revenue history information in the ledger database. The method of claim 6, wherein the generating and storing the sales information comprises:
Among the information for repaying the loan principal on the basis of the sales, settlement information on the settlement amount deposited in the account of the employer by the settlement time, information on the loan principle for the current loan principle, and repayment history information of the employer; The method of claim 1, further comprising the step of storing in the ledger database. delete delete delete In the banking system for providing a loan service to the business owner of the business that the financial card-based transaction occurs,
For business owners who have registered for the loan service, loan principal information related to the loaned principal and interest, and a receivable account for collecting the sales collected from the credit card companies of the financial card to the employer and repayments for the principal and interest A loan service initialization unit for generating account information regarding a repayment account for depositing money and a payment account for depositing the settlement amount deducted from the repayment amount from the sales amount;
A sales information generation unit for generating sales information recording the sales of the business owners collected from the card companies for each predetermined period;
On the basis of the loan principal information and the sales information of the business owner, if the current sales collected in the revenue collection account at each repayment time exceeds the current repayment, the current repayment is retained by transferring the current sales to the repayment account. A loan principal settlement unit for collecting and depositing a current settlement amount, which is subtracted from repayment incurred at each repayment period, from the accumulated sales remaining in the repayment account at a settlement time different from the repayment time to the settlement account; And
Providing a loan service for a business owner, comprising a ledger database manager for storing the loan principal information, the account information, the sales information in a ledger database assigned to the employer in relation to the loan service from the bank database Banking system. delete The banking system of claim 11, wherein the banking system for providing a loan service for the business owner comprises:
Among the sales information, the sales size and transaction flow of the business owner are analyzed based on the sales information generated during a predetermined settlement period, the loan limit of the business owner is determined based on the analysis, and the information includes the loan limit. The bank system for providing a loan service for the employer, characterized in that it further comprises a credit limit determination unit for updating the credit limit information. The method of claim 11, wherein the loan service initialization unit,
The repayment is determined by a certain amount of money or a percentage of the principal and interest, and the repayment time is determined by a predetermined cycle,
Settlement information for depositing the principal and interest repayment time information and repayment maturity information, repayment information for the amount to be repaid by the employer at the repayment time, and the settlement amount deducting the repayment amount from the current sales for each repayment time to the settlement account; Generating at least one of settlement period information for the period and settlement period information for determining the loan limit of the employer;
The ledger database management unit, the bank system for providing a loan service for the business owner, characterized in that for storing the generated information in the ledger database. The method of claim 11, wherein the sales information,
Revenue information on the amount of card transactions deposited in the account of the employer by the card company deposit date, repayment sales information, repayment sales days information and repayment sales history information, repayment sales history information about the sales collected in the account of the employer by the repayment time Providing a loan service for the employer, characterized in that it comprises at least one of the settlement information for the settlement amount deposited in the account of the employer, loan principal state information for the current loan principle, and repayment history information of the employer; Banking system. The method of claim 11,
The ledger database management unit, the banking system for providing a loan service for the business owner, characterized in that for storing the settlement information related to the payment by repayment time in the ledger database.

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