KR101394882B1 - Loan service system based on credit card accounts receivable and method thereof - Google Patents

Abstract

The present invention relates to a system and method for providing a credit service based on a credit card receivable, and more particularly, to a system and method for providing a credit service based on a credit card receivable based on a credit card receivable, By extending the term, credit card receivables with short-term repayment characteristics can be used to enable long-term loans, thereby facilitating lending through credit card receivables, and gradually lending the credit card receivables to the bank over time By reimbursing the account, the risk of long-lived loans is confirmed. By keeping the credit until the time of depositing the receivables, the risk of bank lending is greatly reduced and the fluctuation of credit card transaction amount of merchants is continuously monitored. Adjust loan limits or make sure Has the effect of greatly improving the stability and lending to the loan risk management, such as changing the loan terms through interest rate adjustments.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a loan service system,

The present invention relates to a system and method for providing a credit service based on credit card receivables, and more particularly, to a system and method for providing a credit service using a credit card receivable having short- And a credit service system and method based on credit card receivables.

Credit card for payment of merchandise payment by credit card When a franchisee provides goods or services and pays by credit card of the purchaser, the credit card companies shall be entitled to charge tangible bills or intangible bills by electronic banking Which is a token of ownership.

The credit card merchant receives from the credit card company a credit card sales amount corresponding to the price of providing the goods or services, .

However, since credit card merchants receive credit card sales after a certain period of time, as a result of the increase in sales, cash flow is deteriorated and credit card merchant stores provide cash for insufficient cash. To be used.

In order for a credit card franchisee to borrow from a financial institution, it is possible to provide other collateral or to provide a high degree of credit, and even if the credit is high, the complicated procedure and time for financial institutions' credit evaluation, There is a problem.

In addition, credit card franchisees with low creditworthiness or insufficient collateral can not borrow cash from financial institutions, so they will be able to finance through similar finance such as the high interest market where high interest rates are required. And thus can not concentrate on the original business.

In order to solve such problems, a system and a method have been proposed in which a credit card transaction is used to purchase a trade receipt to a credit card merchant or to provide a loan to a receivables collateral.

Such a lending service system conventionally provides a loan to an affiliate shop using credit card transaction information of a credit card merchant, collects credit card transaction information online from a credit card merchant, a VAN company or a credit card company, And a system or method for managing the loan after determining the credit limit amount of the credit card merchant using transaction information.

However, the conventional loan service system using the credit card transaction information is configured to be able to lend only during the duration of the credit card receivables, and the long-term lending can not be performed.

In addition, the conventional loan service system using the credit card transaction information has a problem that the repayment convenience of the loan practitioner is reduced due to the concentration of the repayment of the loan after the termination of the short term loan period and the creditworthiness of the merchant The interest rate of the receivable or the limit of the loan can not be accurately set.

Korean Patent No. 10-0851945

The object of the present invention to overcome the above-mentioned problems is to implement a loan based on a credit card receivable, and to extend a loan period by changing a bond using a continuous collateral renewal means of a credit card receivable all day, The present invention provides a credit service system and method for a credit card receivable based on a credit card receivable that enables a long-term loan.

Another object of the present invention to solve the above problems is to establish a risk for a long-term loan by reimbursing a credit account-financed accounts receivable loan to a bank-owned account in a stepwise manner over time, Time credit service system and method for a credit card receivable-based loan service in which only a predetermined period of time is allowed to exist.

Another object of the embodiment of the present invention to remedy the above problems is to continuously monitor the change in the credit card sales transaction amount of the merchant, thereby adjusting the loan limit according to the decrease in sales or changing the loan condition through the determination rate or the interest rate adjustment The present invention provides a credit service system and method for a credit card receivable based on a credit risk management.

According to another aspect of the present invention, there is provided a credit service system for credit card based on a credit card receipt based on credit card transaction information generated at an affiliated store, Wherein the relay server is connected to at least one of a terminal of the merchant, a VAN company server, or a card company server of the credit card, and collects the credit card transaction information from one of the terminals , A merchant management section for managing the identification information of the merchant, a merchandise receivable management section for relaying transfer of the merchandise credit information of the merchant transaction to the bank after confirming the merchandise receipt, and receiving the loan application from the merchant store, Transfers the receivables determined before the start date of the loan to the bank The bank manages a loan contract to be loaned to the merchant as a collateral and excludes the accounts receivable deposited in the bank account from the credit card company server as the loan information of the loan contract from the collateral, And a loan service management unit for providing the bank server with information for renewing the inclusion of the merchandise receivable of the franchisee, which newly occurs according to the passage of time, in the collateral, until the expiration date of the loan, thereby extending the loan period.

The relay server may further include a payment information management unit for causing the credit card company server to change a payment account of the credit card approved amount of the merchandise receivable from the owning account of the merchant to the bank owning account.

At this time, it is preferable that the payment information management section prohibits the account server from changing the payment account.

The relay server manages the credit card transaction information to be collected and checks whether the amount of the receivable proceeds continuously over a predetermined level for a predetermined period of time. In case of a change such as a decrease in sales, the loan limit, the determination rate, and the interest rate And may further include a risk management unit that adjusts one or more.

Also, the relay server relays information on the loan application, loan execution, loan inquiry, and loan settlement online.

According to another aspect of the present invention, there is provided a method of providing a credit service based on a credit card receivable based on credit card transaction information generated at an affiliated store, The method of claim 1, further comprising the steps of: collecting the credit card transaction information from one of the terminal, the VAN server, or the credit card company's credit card server; The method comprising the steps of: managing the information; relaying transfer of the merchandise to the bank after confirming the merchandise bond among the credit card transaction information of the merchant; receiving the loan application from the merchant; Transfer the accounts receivable to the bank, and the bank shall, as collateral, Wherein the account receivable from the credit card company server to the account owned by the bank is confirmed as the loan information of the loan contract in the loan contract management step, And provides the bank server with information for renewing the inclusion of the merchandise receivable of the merchant that is newly generated according to the lending date on the collateral to the loan expiration date so as to extend the loan period.

The credit service method may further include a step of causing the credit card company server to change a payment account of the credit card approved amount for the merchandise receivable from the own account of the merchant to the bank own account.

Also, the loan service method manages the credit card transaction information to be collected, and checks whether the amount of the receivable proceeds continuously over a predetermined period for a predetermined period of time. If a change such as a drop in sales occurs, the loan limit, , And adjusting the at least one of the interest rates.

The system and method for providing credit service based on credit card receivable bonds according to the embodiment of the present invention is implemented by executing a loan based on a credit card receivable and extending a loan period through a bond change using a continuous collateral renewal method of a credit card receivable Term loans by using credit card receivables having short-term repayment characteristics, thereby enabling the credit card receivables to be used for lending.

The system and method for providing credit service based on credit card receivable bonds according to the embodiment of the present invention determines the risk for a long-term loan by repaying the loan for the credit card fixed accounts receivable to the bank owning account step by step over time It is effective to lower the risk of bank lending by keeping only until the time of deposit for accounts receivable.

According to the embodiment of the present invention, a credit service system and method based on a credit card receivable bond can continuously monitor the fluctuation of credit card sales transaction amount of merchants, thereby adjusting the loan limit according to a drastic decrease in sales, It is possible to improve the stability of the loan by allowing the management of the risk of the loan such as changing the conditions.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of a credit service system based on credit card receivables in accordance with an embodiment of the present invention; FIG.
FIG. 2 is an exemplary view showing credit card sales, accounts receivable, and account deposit amount according to an embodiment of the present invention; FIG.
3 is a block diagram of a relay server according to an embodiment of the present invention;
4 is a block diagram of a bank server according to an embodiment of the present invention;
5 is a block diagram of a card issuer server according to an embodiment of the present invention;
6 is an illustration of an example of credit card data in accordance with one embodiment of the present invention.
FIG. 7 is an exemplary view of trade receivable data according to an embodiment of the present invention; FIG.
8 is a data flow diagram of a credit service method based on a credit card receivable bond according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, features and advantages of the invention will become more apparent from the following detailed description of the present invention when taken in conjunction with the accompanying drawings.

FIG. 1 is a block diagram of a credit service system based on credit card receivables in accordance with an embodiment of the present invention. Referring to FIG.

The credit card receivable-based lending service system provides a service in which the bank 300 receives the credit card receivable of the merchant 50 generated according to credit card sales and lends a certain amount of money as collateral.

In addition, the loan service system can extend the short loan period of about 3 to 6 days in accordance with the short-term repayment characteristics in the case of credit card receivables, thereby enabling short-term loan service.

Referring to FIG. 1, the relay server 100 transmits a credit card receipt for a credit card account receivable of 3 to 6 days to be transferred from the credit card company's server 40 to the seller- In addition, the company will conduct the following procedures to verify the sales information on the next business day, to notify the bank, and to manage the automatic renewal of the collateral renewal for the full-day trade receivables during the contract day. The changes can be extended to the desired level.

In this way, the merchant can obtain funds based on the actual sales before the credit card sales deposit date, and can receive the full-day sales directly during the contract period, so that the bank 300 can utilize the funds smoothly. The risk can be recovered within 6 days.

The credit service system based on the credit card accounts receivable is not a simple lending of short-term receivables as a collateral but a comprehensive service with a bank 300 for an affiliated store 50 (for example, a gas station) The repayment of collateral bonds through continuous repayment of day-to-day receivables through contracts for repayment of bonds will enable longer lending than the time of each repayment.

Accordingly, the bank 300 has the advantage that the risk for collecting the bonds is fixed at the recovery rate of the short-term bonds, and the risk is extremely small during the long-term loan period. The loan franchise 50 transfers the short- There are advantages to enjoy the effect.

In order to reduce the risk of the loan service, the relay server 100 continuously monitors the risk. In a preferred embodiment, the relay server 100 monitors daily increase or decrease in sales according to credit card transaction details of the credit merchant 50 Accordingly, the risk of lending can be reduced through various means such as adjusting the loan limit, adjusting the determination rate or the interest rate, and the commission rate.

Referring again to FIG. 1, the procedure for lending the credit card receivable-based loan service system is as follows.

Here, it is preferable that the terminal 50 of the franchisee (gas station) installs a dedicated application communicating with the relay server 100 and inquires loan related information such as a loan application, a reimbursement schedule, and an amount thereof.

First, the merchant 50 submits a credit card receipt to the relay server 100 (1).

The relay server 100 having received the application of the merchant 50 can review the pre-loan conditions. For example, the sales performance of the merchant 50 for the last six months can be inspected, or the direct sales, And the operation period of the franchise store, etc., to check whether it meets the predetermined loan service provision condition.

Thereafter, the merchant 100 meeting the loan condition contracts the discount service (a service to be borrowed with the receivable as a security, hereinafter referred to as a loan service) with the bank 300. At this time, It is preferable that the credit card sales receipt includes a contract for transfer of the credit card receivable and a payment account of the credit receivable is changed at the credit card company server 400. [

At this time, the contract (2) of the loan service can be made offline, but it can be concluded online by communicating with the relay server 100 that relays the connection with the bank server 300 through the dedicated application of the merchant terminal 50 And the content of the contract is managed by the relay server 100. [

As a preferred embodiment, the relay server 100 may notify the contents to the bank server 300 and relay the loan service agreement (2) between the bank 300 and the merchant 50 on-line or off-line have.

At this time, a designated account to be paid from the card company server 400 is changed from the account of the merchant 50 to the bank owned account after the agreement of the merchant 50 according to the amount of transfer of the account receivable, .

Transfer of credit card receivables to be concluded at the time of the loan service contract (2) As an example of the transfer contract, it is possible to conclude a comprehensive bond transfer contract. For example, in the form of Transferable Loan Facility (TLF) It is possible to specify that all or part of the accounts receivable corresponding to the pre-set conditions can be transferred at the time of the initial contract so that the prior consent of the borrower in transferring the individual accounts receivable is not necessary.

In addition, the loan of the present invention may be an amount paid by the bank 300 to the merchant 50 as a payment amount of the credit card receivable when the credit card receivable is loaned, The difference between the amount paid to the bank owning account from the credit card company server 400 and the loan amount according to the determination ratio at the time of the settlement can be determined by daily settlement in the account owned by the merchant, The interest rate, etc. in accordance with the established payment conditions.

The relay server 100 notifies the credit card company 400 of the establishment and related information of the credit card receivable in accordance with the credit card receivable transfer contract, and at this time, It is preferable to transmit information prohibiting the variation of the account.

In addition, the relay server 100 monitors credit card transaction information of the merchant 50 providing the credit card merchandise loan service, monitors the increase / decrease of sales, the credit rating of the merchant, and so on, A commission rate, an interest rate, and the like, and transmits the analyzed receivables to the bank server 300 as needed.

The creditworthiness of the franchisee 50 can be evaluated according to preset conditions by obtaining various information such as foreclosures or pressurized state of the franchisee, credit status of the representative, increase / decrease of other loan information of the franchisee through various external servers such as a credit evaluation company server .

In addition, the relay server 100 manages the loan-related information such as the change of the loan condition and the change of the loan limit, and can inquire the terminal 50 of the affiliate shop through the dedicated application.

The relay server 100 inquires of the merchant terminal 50 of the merchant by inquiring of the merchant for the loan 4 and confirms the credit card merchandise receivable of the predetermined merchant 50 for loan execution, Transmits the bond transfer information including the amount information to the bank server 300 and requests the execution of the loan (5).

The bank server 300 transfers a predetermined amount considering the determination rate and the interest rate of the determined credit card accounts receivable to the owning account of the merchant 50.

The credit card receivables purchased by the bank 300 are deposited (7) into the bank owning account through the card issuer server 400 after approximately three to six days have elapsed.

Accordingly, the confirmed credit card receivable for the first loan is transferred to the bank-owned account through the card issuer server 400 which receives the transfer result data obtained by the VAN company server 200 according to the lending date, The credit card receivables generated in accordance with the credit card settlement 11 at the merchant store 50 are transferred to the bank 300 through the data interworking 12 with the relay server 100, And is continuously updated as collateral for the loan amount.

The settlement and sales receipt transfer information related to the transaction is linked to the relay server 100 in the VAN server 200 and the relay server 100 analyzes the transaction information and transmits the information to the bank 300.

As a preferred embodiment, the relay server 100 periodically receives a list of credit card sales of the newly generated merchant from the VAN company server 200 and determines the sales information to be transferred to the bank And transmits it to the bank server 300. The bank server 300 updates the security information on the loan using the sales information.

That is, the relay server 100 excludes the accounts receivable which is paid out to the bank owning account from the card company server 400 with respect to the collateral of the loan, from the collateral, The related information of the newly generated credit card receivable is linked (12), and the transfer of the predetermined credit card receivable to the bank 300 is determined and included in the collateral.

For example, the merchant (50) and the bank (300) can transfer the comprehensive merchandise receivable to the merchant (50) and the bank (300) The transfer of the trade receivables is immediately possible and the bank server 300 confirms the related information of the trade receivable updated every day, excludes the receivable from the sales of the sales of the credit card company server 400, The amount of the collateral can be maintained at a certain level by continuously repaying the collateral by repeating the daily deposit of the loan amount for the corresponding receivable in the merchant-owned account.

At this time, the bank server 300 newly deposits the credit amount for the credit card receivables included in the collateral to the merchant-owned account on a daily basis (7). Therefore, the credit card receivable 50 ), The total loan amount remains unchanged or fluctuates only very little.

The relay server 100 updates the loan related information such as the loan period, the daily settlement information, the loan limit adjustment, the determination rate, the delinquency rate, the commission rate, the interest rate, and the entire redemption information through the analysis, 50).

Finally, if the total committed loan period expires or the merchant 50 wishes to repay the entire loan amount, the amount of the committed credit card receivables included as collateral on the pre-determined expiration date is transferred sequentially to the bank owning account The lending process is terminated, and the relay server 100 does not newly confirm the collateral of the credit card receivable from the loan expiration date.

In this case, if there is a difference between the total amount of the loan and the amount of the final definite credit card receivable, the settlement procedure such as depositing the remaining amount in the merchant account owing to the predetermined settlement procedure may be performed.

2 is an illustration of credit card sales, accounts receivable, and account deposit amount according to an embodiment of the present invention.

In FIG. 2, it is assumed that the period in which the credit card payment amount is deposited in the designated account from the card issuer server 400 is four days.

Note that in the present embodiment, for the sake of understanding, it is noted that the flow of the amount of money does not consider the interest rate or the commission rate.

1, if the credit card sales stably occurs at the merchant store 50 at a cost of ten million won, the credit card merchandise receivables 2 (2) that have occurred before the loan start date (1) and have not yet been paid to the merchant store 50 The relay server 100 transfers the money to the bank 300 from the franchisee 50 and relays the money to the bank server 300 so that the loan amount 3 is paid to the account owned by the franchiser.

At this time, the loan amount 3 is set in accordance with the determination rate considering the amount of the accounts receivable based on the definite credit card receivables 2 transferred to the bank 300 at the lending start time (1).

In accordance with the lapse of the lending period, credit card sales (4, 5, 6) generated at the previous day's merchant store are confirmed (7, 8, 9) by the relay server (100) It is possible to continuously extend the loan period.

At this time, as described above with reference to FIG. 1, the confirmed credit card receivables 2 are deposited in the bank account in the credit card company server 400 and received at the bank 300 side. (7, 8, 9) of the credit card receivables (4, 5, 6) resulting from the transfer of the credit card receivables After the depositing period (4 days), it is transferred (12, 13, 14) from the card company server 400 to the bank owned account.

Therefore, in the case of the franchisee 50 where the credit card sales are continuously generated and stable, even if the loan period is extended, the loan can be extended without changing the total amount of the loan.

At this time, the relay server 100 variably changes the daily loan ceiling amount 7,8,9 according to the credit card sales amount 4, 5, 6 of the merchant 50 generated the day before, (300).

When the loan expires, the amount (25,26,27) for the credit card accounts receivable (22,23,24) determined based on the predetermined expiration date (21) is sequentially transferred to the bank owned account (31, 32, 33), and the difference between the loan amount and the loan amount is paid to the own account of the merchant 50 according to the amount (22, 23, 24) of the transferred accounts receivable determined at the expiration date (21) Lt; / RTI >

3 is a block diagram of a relay server according to an embodiment of the present invention.

Referring to FIG. 3, the relay server 100 communicates with the bank server 300 of the lending bank using the credit card transaction information generated at the merchant 50, and provides a loan service to the corresponding merchant 50 A communication unit 160 connected to one or more of the merchant terminal 50, the VAN company server 200 or the credit card company's credit card server 400 and collecting the credit card transaction information from one of the credit card transaction server 400, A merchant management section 110 for managing the identification information of the merchant 50 and a merchandise receipt management section for relaying transfer of the merchandise receipt to the bank 300 after confirming the merchandise bond among the credit card transaction information of the merchant store 50 The merchant 50 receives the loan application from the merchant 50 and transfers the merchandise receivable determined before the start date of the loan to the bank 300. The bank 300 transfers the merchandise secured by the merchant 50 ) Loan system The account receivable from the credit card company server 400 to the account owed to the bank 50 is excluded from the collateral, and the credit card of the merchant And a loan service management unit 120 for providing information to the bank server 300 to repeatedly renew the receipt of the receipt of the receipt of the receipt of the receipt of the receipt of the receipt of the receipt 50 by the expiration date of the loan to extend the loan period.

The merchandise receipt management unit 130 confirms a predetermined amount of money not yet paid from the approved amount of the credit card as a merchandise receivable by the contract of collective receivable transfer between the predetermined merchant 50 and the bank 300 .

It is preferable that the loan service management unit 120 manages the contract including the overall procedure for concluding and terminating the loan contract.

The relay server 100 executes the loan based on the credit card receivable, but extends the loan period by changing the bond using the continuous credit renewal means of the credit card receivable all day, so that the credit card receivable having the short-term redeemable characteristic is used This enables long-term lending, which enables lending through credit card receivables.

In order to smoothly provide the credit service using the credit card receivables, the relay server 100 interlocks with the credit server sales information in cooperation with the bank server 200, and transmits the settlement charge at the merchant 50 It is possible to adjust the settlement rate (the ratio of the loanable amount with respect to the committed credit card accounts receivable included in the collateral) to the total receivable amount by comparing the accounts receivable determined through the server 100.

Also, the relay server 100 may change the payment account of the credit card approved amount for the merchandise receivable determined by the credit card company server 400 from the account of the merchant 50 to the account of the bank 300 And a payment information management unit 140 for managing payment information.

The relay server 100 can repay the loan for the credit card fixed accounts receivable to the bank owning account step by step according to the elapse of time so that the risk for the loan that lasts for a long time is maintained only until the deposit time for the confirmed receivables The risk of lending by the bank 300 can be further reduced.

In addition, even when the merchant 50 is shut down, the relay server 100 can transfer the finalized merchandise to be paid by the credit card company 400, thereby greatly reducing the risk of the bank 300 against the long-term loan.

It is preferable that the settlement information management unit 140 prohibits the credit account server 400 from changing the payment account to further increase the stability.

The relay server 100 manages the credit card transaction information to be collected and checks whether the amount of the receivable proceeds continuously over a predetermined period for a predetermined period of time. In case of a change such as a drop in sales, , And a risk management unit (150) for adjusting at least one of interest rates.

The relay server 100 continuously monitors the credit card sales transaction amount of the merchant 50 through the risk management unit 150 and adjusts the loan limit in accordance with a sharp decrease in sales or adjusts the loan limit or the interest rate adjustment to the loan condition And the risk of lending can be managed, which greatly improves the stability of lending.

As described above, the relay server 100 transmits the information of the loan application, the execution of the loan, the inquiry of the loan, and the settlement of the loan to the merchant 50, the bank server 300, the card issuer server 400, It is preferable to relay it online.

Also, the relay server 100 may use it for risk analysis in cooperation with a credit information provider company server to monitor representative credit information and loan information of the merchant 50 or an affiliate shop.

The risk management unit 150 analyzes the risk of the franchisee 50 according to predetermined conditions. When it is determined that the continuation of the loan is difficult due to the increase in risk, the risk management unit 150 suspends the transfer of the purchased credit card receivables, Or suspend or withdraw the loan amount.

FIG. 4 is a block diagram of a bank server 300 according to an embodiment of the present invention, and FIG. 5 is a block diagram of a card issuer server 400 according to an embodiment of the present invention.

4, the bank server 300 includes a communication unit 350 for communicating with the relay server 100 and the credit card company server 400, a loan information management unit 350 for receiving and managing loan information from the relay server 100, An account management unit 320 for managing the information of the bank owned account and the account of the merchant's own account in which the payment amount of the credit card accounts receivable is deposited from the card issuer server 400 according to the loan agreement, A sales receipt information unit 330 for receiving and managing information of a receivable amount transferred as a collateral from the relay server 100 and an amount of a credit card receivable newly generated according to the loan information of the relay server 100 And a settlement unit 340 for performing settlement of money such as depositing money in the merchant-owned account and confirming the amount of the accounts receivable deposited in the bank-owned account.

The bank server 300 may allow the bank server 300 to deposit the loan amount corresponding to the amount of the newly generated accounts receivable to the account owned by the merchant.

5, the card company server 400 includes a communication unit 440 for communicating with the bank server 200, the relay server 100, and the bank server 300, a credit card A card payment management unit 420 that manages credit card payment information settled by the merchant 50 and a bank server 200 receives the credit card purchase result data and receives the credit card purchase result data from the relay server 100 And a service information management unit 430 for depositing the bond value to the bank owning account in accordance with the lending service notification of the borrower.

The service information management unit 430 manages the account information of the merchant 50 and the bank 300 according to the contents of the loan service according to a predetermined agreement with the relay server 100, And deposits the credit card payment amount deposited in the owning account of the merchant 50 into the bank owning account.

Referring again to FIG. 1 and FIGS. 3 to 5, the merchant terminal 50 applies for the loan service through the dedicated application, and issues a contract for a loan service, a credit card sales receipt agreement, a contract, an account opening request, , And automatic transfer of individual bonds, etc. It is desirable to identify and confirm the identity of the representative of the franchise or franchisee using the official certificate, and proceed with the procedure.

Also, the merchant 50 agrees to automatically transfer the credit card receivable in accordance with the pre-set interest rate condition through the dedicated application, and can select the loan period.

It is preferable that the relay server 100 enables the franchisee 50 to proceed with the loan at the same time as applying for the loan service.

To this end, the relay server 100 receives the sales data of the last six months of the merchant 50 transmitted from the subscriber server 200, and receives a comprehensive sales receipt agreement between the bank 300 and the merchant 50 Changes the account of the confirmed accounts receivable to the ownership account of the bank name, and requests the card company server 400 to prohibit the account change.

Alternatively, in the case of applying for a loan service offline and applying for a loan at an online time, an employee of a company operating the relay server 100 directly transmits the contract and application documents required by the affiliated shop 50 to the affiliated shop 50 And can transfer the collected money to the bank 300 after collecting it.

The relay server 100 may provide a possible amount of money at the application of the loan of the merchant 50 through the dedicated application or may show a list of currently established receivables by date.

The merchant 50 can select a part of the accounts receivable determined by the merchant 50 and apply for a loan. The contents of the application are transmitted to the bank server 300 through the relay server 100.

Also, the franchisee 50 can inquire the expected interest and the fee through the dedicated application, and can confirm it immediately when the money is confirmed in the bank server 300.

In addition, when the lending is started, the relay server 100 monitors the fluctuation of the credit card sales of the merchant 50 in real time or periodically, and the credit card sales are rapidly reduced You can automatically stop the loan.

The relay server 100 collates the purchase result data issued by the credit card company 400 and the deposit data of the bank at the time of daily or periodic lending settlement to determine the accounts receivable necessary for settlement and notifies the bank 300 of the receivables.

On the other hand, the credit card company server 400 receives the content of the credit card receivable amount from the relay server 100, and prohibits the change of the payment account accordingly.

The bank server 300 receives the contents of the loan service application of the franchisee 50 from the relay server 100 and confirms the loan amount and transmits it to the relay server 100. At this time, the bank server 300 notifies the interest rate, do.

When the loan is executed, the bank server 300 deposits the loan amount to the owning account of the merchant 50 and notifies the relay server 100 of the execution of the loan.

In addition, the bank server 300 transmits a payment receipt to the bank owning account to the relay server 100 upon the stepwise repayment of the loan.

Meanwhile, the risk management unit 150 of the relay server 100 periodically analyzes the purchase data of the franchisee 50 to adjust the interest rate of the bond so as to avoid risk of a fixed bond that differs from the settlement price at maturity.

In addition, it is desirable to calculate the gross profit at the time of repayment of the loan in case the payment date is adjusted a little when the bond is transferred, and to settle the amount after deducting the interest and commission fee.

In addition, since the risk management unit 150 may delay the payment of the credit card company 300, change the amount of deposits, or transfer the accounts receivable 2 equally, considering that interest and fees are taken into account, The amount of a trade receivable is set more than the loan amount to deal with the underdelivery problem.

Alternatively, in the case of overdelivery from the card issuer server 400, the entire amount may be received, and some of the remaining amount may be deposited into the owning account of the franchisee 50 after meeting the next day payment.

In addition, the daily settlement compares settlement result data of the card issuer server 400 with deposit data of the bank 300, and confirms the settlement result.

FIG. 6 is an illustration of credit card data according to an embodiment of the present invention, and FIG. 7 is an example of trade receipt data according to an embodiment of the present invention.

Referring to FIG. 6, the credit card data includes an identification number for identifying a credit card, identification information of a merchant for which the credit card is paid, transaction date and time including the settlement transaction time, Includes trading value.

Referring to FIG. 7, the trade receivable data includes identification information of an affiliated merchandise to which the corresponding trade receivable is transferred, a maximum trading limit of the trade receivable, a payment amount that can be paid by assigning the trade receivable, The settlement processing information including the date of providing the sale price, the date of collection of the sale of the loan of the corresponding receivable, and other related information for settlement thereof.

It should be noted that the credit card data and merchandise receipt data are only one preferred embodiment, and addition, modification and deletion of items may be freely performed according to the embodiment.

8 is a data flow diagram of a credit service method based on a credit card receivable bond according to an embodiment of the present invention.

Referring to FIG. 8, the loan service method uses credit card transaction information generated at the merchant 50 (S03, S05), communicates with the bank server 300 of the loan bank, and transmits a loan service to the merchant 50 A VAN server 200, or a credit card company server 400 of the credit card, and receives the credit card transaction information from one of the terminal 50, the VAN company server 200, (S10, S15, S20, S20, and S25), the merchant credit information of the credit card transaction information of the merchant (50) is confirmed, (S35) of receiving a loan application from the merchant (50) (S35); relaying the receipt of the merchandise determined before the loan start date to the bank (300) ) And the bank (300) transfers it as collateral (S40, S45, S50) of managing a loan contract to be loaned to an affiliated shop (50), wherein in the loan contract management step, the credit information of the loan contract is confirmed as the loan information, The accounts receivable deposited in the ownership account of the bank are excluded from the collateral and the information that the rental receivable of the new merchant that is newly generated according to the lending date is included in the collateral is renewed repeatedly until the maturity date to extend the loan period To the bank server (300).

The credit service method further comprises a step of allowing the credit card company server 400 to change the account of the credit card approved amount of the confirmed accounts receivable from the account of the merchant 50 to the account of the bank 300 .

Also, the loan service method manages the credit card transaction information to be collected, and checks whether the amount of the receivable proceeds continuously over a predetermined period for a predetermined period of time. If a change such as a drop in sales occurs, the loan limit, , And adjusting the at least one of the interest rates.

The foregoing embodiments and advantages are merely exemplary and are not to be construed as limiting the present invention. However, the present invention is not limited to the above-described embodiments, and various changes and modifications may be made by those skilled in the art without departing from the scope of the present invention. .

50: Merchant 100: Relay server
110: Merchant store management unit 120: Loan service management unit
130: Trade receivables management unit 140: Payment information management unit
150: Risk management unit 160:
200: VAN server 300: Bank server
310: a loan information management unit 320:
330: Accounts receivable information section 340: Account settlement section
350: communication unit 400: card company server
410: card information management unit 420:
430: service information management unit 440:

Claims (8)

And a relay server for communicating with a bank server of the loan bank using the credit card transaction information generated at the merchant to provide a loan service to the corresponding merchant,
The relay server
A communication unit connected to one or more of the terminal of the merchant, the VAN server or the credit card company of the credit card and collecting the credit card transaction information from one of the terminal,
A merchant management unit for managing the identification information of the merchant,
A merchandise receivable management section for relaying the receipt of the credit card transaction information of the franchisee to the bank,
Receiving the application for loan from the merchant, transferring the merchandise receivable determined by the merchant before the start date of the loan to the bank, managing the loan contract in which the bank lends the loan to the merchant as collateral, , The account receivable transferred from the card issuer server to the bank account is excluded from the collateral, and the collateral renewal using the full-day trade receivables of the merchant that is newly generated continuously in accordance with the lending date elapses, And providing the bank server with information for automatically extending the loan period through continual change of the security until a credit card receivable based on the credit card receivable.
The relay server according to claim 1, wherein the relay server
And a payment information management unit for causing the credit card company server to change a payment account of the credit card approved amount for the merchandise receivable from the owning account of the merchant to the bank owning account.
3. The method of claim 2, wherein the payment information management unit
And the credit account server is prohibited from changing the payment account.
The relay server according to claim 1, wherein the relay server
The credit card transaction information to be collected is checked to check whether the amount of the receivable proceeds continuously over a predetermined level for a predetermined period of time, and if there is a change in the sales decrease, adjustment of one or more of the loan limit, And a risk management unit for managing credit card receivables.
The relay server according to claim 1, wherein the relay server
Wherein the information of the loan application, the execution of the loan, the inquiry of the loan, and the settlement of the loan are relayed online.
A credit service method of a relay server for communicating with a bank server of a credit bank using a credit card transaction information generated at an affiliate store to provide a credit service to the affiliated store,
a) collecting the credit card transaction information from one of the terminal of the merchant, the VAN company server or the credit card company's credit card server;
b) managing the identification information of the franchisee;
c) relaying to the merchant after confirming the merchandise bond among the credit card transaction information of the merchant and transferring it to the bank;
d) receiving a loan application from the merchant; and
e) transferring the merchandise receivable determined by the merchant before the start of the loan to the bank, and managing the loan contract in which the bank lends it to the merchant as a security;
The method according to any one of the preceding claims, wherein in step (e), the account receivable which has been confirmed as loan information of the loan contract and has been transferred from the credit card company server to the bank account is excluded from the collateral, And providing the bank server with information for automatically extending the loan period by continuously changing the security until the expiration date of the loan by utilizing the security update using the full-day sales receipt of the credit card receivable.
The method according to claim 6,
f) changing a payment account of the credit card approved amount for the merchandise receivable determined by the credit card company server from the own account of the merchant to the bank owned account, .
The method according to claim 6,
g) managing the credit card transaction information to collect and checking whether the amount of the receivable proceeds continuously over a predetermined level for a predetermined period of time, and if there is a change such as a drop in sales, the credit limit, the determination rate and the interest rate A credit card receivable based loan service method comprising the steps of:

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