KR101665408B1

KR101665408B1 - Method of managing a hybrid account and system for performing the same

Info

Publication number: KR101665408B1
Application number: KR1020150114918A
Authority: KR
Inventors: 임현주
Original assignee: 주식회사 파워플러스시스템
Priority date: 2015-08-13
Filing date: 2015-08-13
Publication date: 2016-10-24

Abstract

An account management method having an occasional lending function and a periodic lending function and a system for performing the same are disclosed. The hybrid account management system includes an account subscription server receiving unit, a hybrid account generating unit, a periodic loan executing unit, a loan mapping unit, and a loan information modifying unit. The account subscription server receives the hybrid account subscription. The hybrid account generation unit generates a hybrid account having a plus balance area including a plus loan area to which the periodic loan is mapped and a demand deposit area to which the equity capital is mapped and a minus balance area to which the occasional loan is mapped. The periodic loan execution unit executes the periodic loan and deposits the committed periodic loan as the period of the periodic loan comes. The loan mapping unit maps the periodic loan that has been deposited to the plus loan area as the committed periodic loan is deposited. The loan information modification unit modifies at least one of the periodic loan information, the interest rate information of the periodic loan, the occasional loan information, and the interest rate information of the occasional loan based on the collateral provided by the subscriber or the changed credit rating of the subscriber.

Description

[0001] METHOD OF MANAGING A HYBRID ACCOUNT AND SYSTEM FOR PERFORMING THE SAME [0002]

The present invention relates to a hybrid account management method and a system for performing the same, and more particularly, to a hybrid account management method having an occasional lending function and a periodic lending function and a system for performing the same.

Financial institutions such as banks provide customers with various types of benefits such as demand deposit accounts (providing high interest rates on a certain amount of money, exemption from fees, etc.) and fixed deposits as financial products. Demand deposits do not receive high interest rates instead of being free to enter / withdraw money, and term deposits can not be entered / withdrawn, are limited, and there is a high interest rate instead of a subscription condition.

However, the term deposit is basically a restriction that guarantees the contracted interest rate unless it is terminated by the maturity date of the contract, and if the subscriber cancels the term deposit before expiration, it will not receive the low interest rate or the interest rate due to the contract failure. Interest rates on fixed deposits are higher depending on the amount of the deposit, but the higher the deposit amount, the higher the interest rate.

However, customers will have to sign up for time deposits at less than the amount they owe, because they will have to sign up with a minimum amount of extra money for their lives or for unexpected expenses if they want to sign up for a lot of money.

On the other hand, in general, the concept of a negative bankbook (or a negative loan) has already been commercialized and widely used. In other words, if a minus account is opened and loans are made to the loan agreement loan company from time to time and the loan is repaid at any time, the interest is calculated at the interest rate stipulated from the loan date to the repayment date.

However, even if a negative bankbook is opened, if the customer does not use the loan service, it is useless for the bank.

On the other hand, customers go through a lot of procedures to enter / withdraw money through bank accounts. For example, if the customer is a salaried employee, the salary is deposited on a specific day, and the process of withdrawing the card payment amount, utility bills (apartment management fee, etc.), various taxes, do.

If you are self-employed, you may wish to secure certain funds as extra funds.

Korea Open Patent No. 2012-0134496 (Name: Method of operating deposit on the basis of negative loan) (Dec. 12, 2012) Korean Registered Patent No. 10-1270760 (Name: Automatic Transfer Management System and Management Method) (registered on May 28, 2013) Korean Patent Laid-Open No. 2009-0081766 (titled "Account Balance-Based Negative Lending Account Management Method and Program Record Medium for System Pie") (Released on July 29, 2009) Korean Registered Patent No. 10-1070454 (Name: Method of Operating Time-Based Fixed Deposit) (Registered on September 28, 2011)

SUMMARY OF THE INVENTION Accordingly, the present invention has been made keeping in mind the above problems occurring in the prior art, and it is an object of the present invention to provide a method and system for providing a periodic loan function in which a loan is periodically executed in accordance with a customer's request, Thereby providing a hybrid account management method capable of eliminating the hassle of applying for a loan to a customer and providing a stable loan performance to the bank.

Another object of the present invention is to provide a hybrid account management system for performing the above-described hybrid account management method.

In order to realize the object of the present invention, in the hybrid account management method according to an embodiment of the present invention, information for an occasional loan agreement in which a loan is executed from time to time in accordance with a demand of a customer and a term loan agreement A hybrid account subscription form containing information for the hybrid account subscription form is received. Next, in the hybrid account subscription book, loan information including periodic loan information, periodic loan information, interest rate information of periodic loan, occasional loan information, and interest information of an occasional loan are extracted and stored. Then, a hybrid account having a plus balance area including a plus loan area to which the periodic loan is mapped and a required balance area to which the equity capital is mapped and a minus balance area to which the occasional loan is mapped is generated. Subsequently, as the period of the regular lending comes, the periodic lending is executed and the committed periodic loan is deposited. Subsequently, the deposited periodic loan is mapped to the plus loan area as the committed periodic loan is deposited. The loan information is then modified based on the collateral provided by the subscriber or the variable credit rating of the subscriber.

In one embodiment, the interest on the periodic loan is calculated and the corresponding interest is deducted from the subsequent periodic loan.

In one embodiment, the step of modifying the loan information may include changing the limit of the occasional loan or the interest rate of the occasional loan in accordance with the change of the credit rating of the subscriber.

In one embodiment, the step of modifying the loan information may include adjusting the amount of the occasional loan or the interest rate of the loan at any time based on the collateral submitted by the subscriber.

In one embodiment, the step of modifying the loan information may include changing the limit of the periodic loan or the interest rate of the periodic loan according to the credit rating change of the subscriber.

In one embodiment, the step of modifying the loan information may comprise adjusting the limit of the periodic loan or the interest rate of the periodic loan based on the collateral submitted by the subscriber.

In one embodiment, the method may further include a step of withdrawing a gold fund mapped to the positive balance region preferentially in response to a request for cash withdrawal, and a withdrawal processing in a negative balance region in a shortfall of funds mapped to the positive balance region have.

In one embodiment, the method further includes a step of performing account transfer processing of the money source mapped to the positive balance area preferentially in response to the request for account transfer, and processing the account transfer processing in the minus balance area upon insufficient funds mapped to the plus balance area can do.

In one embodiment, as the amount of money is deposited, the interest amount of the withdrawn on time loan and the occasional loan are first calculated and redeemed in the negative balance area, and if there is the remaining amount of money, the deposit is deposited in the plus balance area, To the data stream.

In order to achieve the other object of the present invention, the hybrid account management system according to an embodiment includes an account subscription server receiving unit, a hybrid account generating unit, a periodic loan executing unit, a loan mapping unit, and a loan information modifying unit. The account subscription letter receiving unit receives the hybrid account subscription letter including the date of the regular loan, the periodic loan, the interest rate of the periodic loan, the occasional loan, and the interest rate of the occasional loan. Here, the interest rate of the periodic lending date, the periodic loan amount and the periodic loan amount is information for a regular lending arrangement in which a loan is periodically executed according to an agreement, and the interest rate of the occasional loan and the occasional loan is changed at any time It is information for the occasional loan agreement for which the loan is executed. The hybrid account generation unit generates a hybrid account having a plus balance area including a plus loan area to which the periodic loan is mapped and a demand deposit area to which the capital is mapped and a minus balance area to which the occasional loan is mapped. The periodic loan execution unit executes the periodic loan and deposits the committed periodic loan as the period of the periodic loan comes. The loan mapping unit maps the periodic loan that has been deposited to the plus loan area as the committed periodic loan is deposited. The loan money information modification unit modifies at least one of the periodic loan information, the interest rate information of the periodic loan, the occasional loan information, and the interest information of the occasional loan based on the collateral provided by the subscriber or the variable credit rating of the subscriber .

In one embodiment, the loan money information modification unit may change the limit of the loan at any time or the interest rate of the loan at any time according to the credit rating change of the subscriber.

In one embodiment, the loan information modification unit may adjust the limit of the default loan or the interest rate of the loan at any time based on the collateral submitted by the subscriber.

In one embodiment, the loan money information modification unit may change the limit of the periodic loan or the interest rate of the periodic loan according to the credit rating change of the subscriber.

In one embodiment, the loan information modification unit may adjust the limit of the periodic loan or the interest rate of the periodic loan based on the collateral submitted by the subscriber.

In one embodiment, the hybrid account management system withdraws a gold fund mapped to the positive balance region preferentially in response to a request for a cash withdrawal, and performs withdrawal processing in a negative balance region when the money balance is insufficient And a withdrawal management unit.

In one embodiment, the hybrid account management system withdraws the money source mapped to the positive balance region preferentially in response to a request for transfer of money, and performs a withdrawal process in the negative balance region during a shortage of funds mapped to the plus balance region And an account transfer management unit.

In one embodiment, the hybrid account management system calculates and repayment the interest-bearing interest on the occasional loan that has been withdrawn in the negative balance area when the fund is deposited in the account, and deposits the balance in the plus balance area And furthermore, it is possible to further include an occasional loan repayment processing unit for mapping the processing to the plus loan area.

In one embodiment, the hybrid account management system may further include a periodic loan repayment processor for calculating the interest of the periodic loan and deducting the interest from the periodic loan subsequently deposited.

According to the hybrid account management method and the system for implementing the method, a periodic lending function in which a loan is executed from time to time in accordance with a customer's request, and a periodic lending function in which a loan is periodically executed in accordance with a contract, It can eliminate the hassle of applying for a loan and can provide stable loan performance to the bank. In addition, it is possible to alleviate the cost burden on the lender by correcting the limit or the interest rate or the limit or the interest rate of the periodic loan at any time based on the collateral provided by the subscriber or the variable credit rating of the subscriber.

1 is a network configuration diagram for explaining a hybrid account management system according to an embodiment of the present invention.
2 is a diagram for explaining a comparison between a general negative passbook and a hybrid passbook according to the present invention.
3 is a block diagram for explaining the hybrid passbook management server shown in FIG.
4A and 4B are flowcharts for explaining a hybrid account management method according to an embodiment of the present invention.
FIG. 5 is a view showing an example of a user terminal displaying the negative balance and the positive balance shown in FIG. 4B.
Fig. 6 is a flowchart for explaining the withdrawal processing step according to the balance shown in Fig. 4B.
FIG. 7 is a flowchart for explaining the account transfer processing step according to the transfer item shown in FIG. 4B.
FIG. 8 is a flowchart for explaining the step of repayment and payment of an arbitrary loan shown in FIG. 4B.
FIG. 9 is a flowchart for explaining the step of correcting the periodic loan or the occasional loan information shown in FIG. 4B.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will now be described in more detail with reference to the accompanying drawings. The present invention is capable of various modifications and various forms, and specific embodiments are illustrated in the drawings and described in detail in the text. It should be understood, however, that the invention is not intended to be limited to the particular forms disclosed, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

Like reference numerals are used for like elements in describing each drawing. In the accompanying drawings, the dimensions of the structures are enlarged to illustrate the present invention in order to clarify the present invention.

The terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. The singular expressions include plural expressions unless the context clearly dictates otherwise.

In this application, the terms "comprises", "having", and the like are used to specify that a feature, a number, a step, an operation, an element, a part or a combination thereof is described in the specification, But do not preclude the presence or addition of one or more other features, integers, steps, operations, components, parts, or combinations thereof.

Also, unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the contextual meaning of the related art and are to be interpreted as either ideal or overly formal in the sense of the present application Do not.

Hereinafter, a hybrid account management method according to an embodiment of the present invention and a hybrid account management system for performing the hybrid account management system will be described.

The hybrid account management system according to the embodiment of the present invention is constructed based on a financial legacy system of a conventional bank. In general, banks' financial legacy systems include a central system, an information system, an accounting system, a banking system, and a customer relationship management (CRM) system.

The hybrid account management system according to the embodiment of the present invention is constituted by adding a server (or device) that performs functions for the present invention or functions for the present invention in an account system.

In this specification, the term hybrid account and the term hybrid account can be used in combination.

1 is a network configuration diagram for explaining a hybrid account management system according to an embodiment of the present invention.

1, the hybrid account management system according to an embodiment of the present invention includes a hybrid bank account management server 100, an electronic document server 200, an electronic document DB 250, a DBMS (Data Base Management System) 300, , And a banking server (400).

The hybrid bankbook management server 100 operates as a subject performing the hybrid bank account-based operating method according to the embodiment of the present invention.

The hybrid bankbook management server 100 can be located within the accounting system of the financial legacy system and is responsible for the establishment and operation of the hybrid bankbook. For example, the hybrid bankbook management server 100 is responsible for the operation of the negative balance due to the occasional loan, and the operation of the balance of the plus. The operation of the plus balance may include operation of the periodic loan area according to the periodic loan, and operation of the demand deposit area according to the demand deposit.

The hybrid bankbook management server 100 may be built in a conventional account creation server (not shown) for creating an account of a financial product in the account system, and may be constructed as a separate server (or device) .

The hybrid bankbook management server 100 is connected to a window terminal 32 of a branch office through a financial network (for example, a financial common network or a local network), and the other banknotes 200 to 500 and a corresponding bank network Lt; / RTI >

The hybrid bankbook management server 100 generates an account of the hybrid bankbook and registers the subscription conditions included in the subscription request (rate, expiration date, customer identification information, subscription amount, etc.) to the account of the hybrid bankbook . The request for joining the hybrid passbook may be performed by the user terminal 31 via the Internet or by the window terminal 32 through the financial network.

The hybrid bankbook management server 100 creates an electronic document and a ledger for the hybrid account in cooperation with the electronic document server 200 and the DBMS 300. [

The hybrid bankbook management server 100 receives a hybrid account subscription book including information for an occasional loan agreement and information for a periodic loan agreement, and the hybrid account subscription book includes information on the periodic loan information, the periodic loan information, the interest rate of the periodic loan Information on the occasional loan, and interest rate information of the occasional loan are extracted and stored. The periodic loan information, periodic loan information, and occasional loan information are information input by a customer who issues a hybrid bankbook, interest rate information of the periodic loan, interest rate information of the occasional loan, and the like are information input by a financial institution issuing a hybrid bankbook to be. The information input by the customer and the information input by the financial institution may be stored and managed in a separate customer ledger. For example, the information stored and managed in the customer ledger may include customer identification information (e.g., CIF (Customer Information File) number), country code, bank contact person ID, customer classification, Customer's address, local classification code, telephone number, classification code, expiry date, state headquarters information, settlement date, cash available date, periodic loan date, periodic loan, interest rate of periodic loan, occasional loan, , A resident registration number, a company telephone number, and the like.

The hybrid account subscription book may be provided from a user terminal owned by a customer corresponding to the client or from a window terminal.

When the hybrid account subscription form is provided from the user terminal, the interest rate information of the occasional loan or the interest rate information of the periodic loan may be authenticated through a separate lending process and written in the hybrid account book.

Or the interest rate information of the occasional loan or the interest rate information of the periodic loan may be separately authenticated and stored in the hybrid bankbook management server 100 for each customer. Accordingly, the interest rate information of the occasional loan may be omitted in the information for the occasional loan agreement included in the hybrid account subscription book provided from the user terminal, and the interest information of the periodic loan may be omitted in the information for the periodic loan agreement .

The hybrid bankbook management server 100 generates a hybrid account having a plus balance area including a plus loan area to which the periodic loan is mapped and a demand deposit area to which the capital is mapped and a minus balance area to which the frequent loan is mapped . In this embodiment, the mapping may mean that the money is deposited and stamped. Thus, in one hybrid passbook, a plus loan area corresponding to the periodic loan is allocated to the left area, a demand deposit area is allocated to the central area, and a minus balance area corresponding to the occasional loan is allocated to the right area. Accordingly, the customer can confirm in a single passbook the amount of the loan, the demand deposit, and the periodic loan that have been withdrawn or deposited at any time in the hybrid bankbook possessed by the customer. In addition, you can check the interest on the loan in addition to the interest on the demand loan or the periodic loan, as well as the deposit interest based on the demand deposit on a single account.

The hybrid bankbook management server 100 executes the periodic loan and deposits the committed periodic loan to the hybrid passbook as the period of the regular loan comes.

The hybrid bankbook management server 100 maps the deposited periodic loan to the plus loan area as the committed periodic loan is deposited.

The hybrid bankbook management server 100 withdraws the money source mapped to the plus balance area in preference to the cash withdrawal request and performs withdrawal processing in the minus balance area when insufficient funds mapped in the plus balance area.

As the account transfer is requested, the hybrid bankbook management server 100 first processes the money source mapped to the plus balance area and processes the account transfer in the minus balance area at the shortage of funds mapped to the plus balance area. The hybrid bankbook management server 100 can process the account transfer according to the transfer item. For example, the transfer item may include financial interest groups, utility bills, and financial contribution groups. The financial interest group may include a home loan interest, a credit loan interest, and a credit card payment amount. The utility bill group may include a national pension, an electricity bill, a communication fee, a water bill, and a CMS. The financial contribution group may include savings, beneficiary certificates and funds. On the same date, the withdrawal order may be in the order of the financial interest group, the utility group, and the financial contribution group.

The hybrid bankbook management server 100 calculates and repayment the interest-bearing interest in the default loan balance and the default loan balance in the negative balance region, deposits the balance in the plus balance region if the balance fund exists, Plus map to the loan area.

The hybrid bankbook management server 100 calculates the interest on the periodic loan and deducts the interest from the periodic loan that is subsequently deposited.

The electronic document server 200, the financial system (including the DBMS 300), the electronic document DB 250, and the banking server 400 constitute a system for financial transactions. Here, the financial system is a generic term of the remaining legacy systems except for the electronic document server 200, the electronic document DB 250, and the banking server 400.

The electronic document server 200 receives the electronic document for the hybrid passbook from the hybrid bankbook management server 100 to generate the electronic document information and the electronic document DB 250 receives the electronic document information / RTI >

DBMS 300 generates and stores a ledger by receiving various information on demand deposit, periodic loan and occasional loan (i.e., negative loan) from hybrid bankbook management server 100, and provides various kinds of information Stores information of all financial transactions made through hybrid passbooks. Accordingly, the information stored in the DBMS 300 may include information such as whether a specific customer opened a hybrid bankbook, details of entry / withdrawal through a hybrid bank account, whether the periodic loan is terminated and terminated, the period of subscription periodic loans, interest of periodic loans, Usage history and interest.

The banking server 400 is connected to the user terminal 31 via the Internet. The banking server 400 connects with the DBMS 300 of the financial system and connects with the user terminal 31 to allow a customer to use a financial service (e.g., inquiry, transfer, etc.) via the Internet.

2 is a diagram for explaining a comparison between a general negative passbook and a hybrid passbook according to the present invention.

Referring to FIG. 2, a general negative account balance area is composed of a negative balance area corresponding to an occasional loan area and a positive balance area corresponding to a required deposit area. In a general minus account, the minus balance area is fixed according to the credit of the customer, and the plus balance area is variable according to the money deposited by the customer. Normally, customers do not deposit required deposits in a negative account and withdraw money in the negative balance area only when the dispatch is needed.

On the other hand, the balance area of the hybrid passbook according to the present invention is composed of a negative balance area and a positive balance area corresponding to the occasional loan area. The positive balance area is composed of a required deposit area and a regular loan area.

The negative balance area is fixed according to the customer's credit or the like.

The demand deposit area is variable according to the amount deposited by the customer. If a large amount is deposited, the demand deposit area rises, and if there is no deposit amount, the demand deposit area is zero.

The periodic loan amount area may be fixed according to the amount agreed by the customer or may vary according to the request of the customer. The maximum amount of the above-mentioned periodic loan can be set by the financial institution according to the credit of the customer, and the periodic loan can be settled in a manner selected by the customer himself or herself from the maximum amount of the set periodic loan. Meanwhile, the maximum amount of the periodic loan may be set by the financial institution according to the security setting of the customer, and the periodic loan may be pledged by the customer himself or herself in the maximum amount of the periodic loan set. The periodic loan money is deposited in the periodic loan money area as the fixed date arrives. The periodic loan can be settled to be deposited on a specific day every month. In this embodiment, the loan corresponding to the negative balance area has the nature of an occasional loan, and the loan corresponding to the periodic loan area has the nature of a periodic loan. In this embodiment, the interest rate of the periodic loan is higher than the deposit interest rate and may be lower than the loan interest rate at any time.

The hybrid passbook according to the present invention can be released to customers in the form of a product having an occasional lending function and a regular lending function. In other words, regardless of whether the customer's account balance is 0 yen, regardless of the customer's account balance, which is designed to allow the user to use the fixed amount at any time from time to time, and the account balance is greater than 0 yen, The periodic lending function, which is designed to automatically execute the loan, can be given advantages to both the customer and the bank since the loan is executed from a single account (ie, an account).

In other words, since customers are regularly subscribed to the loan, it is possible to secure funds by transferring the funds to the hybrid account without monthly application. In particular, customers can provide convenience to customers in terms of securing liquidity of funds.

In addition, since the banks issue regular loans every certain period, they can provide stable loan performance. In particular, it is possible to steadily manage loan performance by automatically making a certain amount of loans to customers who have been confirmed for a certain period of time.

3 is a block diagram illustrating the hybrid bankbook management server 100 shown in FIG.

3, the hybrid bankbook management server 100 includes a local interface 110, an I / O interface 115, an account subscription server 120, a hybrid account generator 130, The payment processor 140, the loan mapping unit 150, the withdrawal management unit 160, the onetime loan repayment processing unit 170, the periodic loan repayment processing unit 175, and the loan money information correction unit 180. The hybrid bankbook management server 100 includes a local interface unit 110, an interface unit 115, an account subscription server receiving unit 120, a hybrid account generating unit 130, a periodic loan executing unit 140, And the loan money information collecting unit 175 and the loan money information collecting unit 180 have been described in the above embodiments of the present invention, It is not a hardware classification.

The local interface unit 110 allows the user terminal 31 or the window terminal 32 to interface with the corresponding bank network (i.e., the local network), provides various information for the present invention to the window terminal 32, And receives various information for the service of the present invention from the window terminal 32. [

The I / O interface unit 115 enables data communication by connecting with various servers constituting the system of the present invention. Here, the interfaces provided by the local interface unit 110 and the I / O interface unit 115 are based on a protocol stack defined in the communication network to be connected. The I / O interface unit 115 may be located in both the bankbook management server 100 as well as in other configurations (200 to 500, etc.) of the system according to the embodiment of the present invention.

The account subscription server receiving unit 120 receives a hybrid account subscription book including information for an occasional loan agreement and information for a term loan agreement.

The hybrid account creation unit 130 performs an account registration procedure including a periodic loan, a periodic loan, an occasional loan, and a transfer item to calculate an amount of money in a negative balance area defined according to the occasional loan, a periodic loan area corresponding to the periodic loan, Creates a hybrid account with a positive balance area defined by the required deposit area according to equity capital.

The periodic loan execution unit 140 executes the periodic loan, deposits the committed periodic loan, and maps the periodic loan to the periodic loan amount area.

The loan mapping unit 150 maps the periodic loan that has been deposited to the plus loan area as the committed periodic loan is deposited.

When the withdrawal request is made, the withdrawal management unit 160 first withdraws the money source mapped to the plus balance area, and performs the withdrawal process in the minus balance area in the shortage of funds mapped to the plus balance area. For example, the withdrawal management unit 160 permits withdrawal of the withdrawal request amount from the plus balance if the plus balance corresponding to the plus balance area is greater than the withdrawal request amount at the time of withdrawal request of a certain amount. The withdrawal management unit 160 checks whether the positive balance is greater than zero, if the positive balance is not greater than the requested amount. If the plus balance is greater than 0 yen, the withdrawal management unit 160 fetches the full amount from the plus balance, and subtracts the difference amount from the minus balance. If the positive balance is less than or equal to zero, the withdrawal management unit 160 withdraws the balance in full from the negative balance. In this embodiment, the withdrawal management unit 160 may manage the cash withdrawal or manage the account transfer. Therefore, in this embodiment, withdrawal may include withdrawal in cash and withdrawal in accordance with account transfer.

The on-the-time loan repayment processor 170 calculates and repayment the interest-bearing interest on the occasionally-issued loan and the interest-free loan in the negative balance area at the time of depositing funds into the account, deposits the balance in the plus balance area Plus map to the loan area.

The periodic loan repayment processor 175 calculates the interest of the periodic loan and deducts the interest from the periodic loan that is subsequently deposited.

The loan information collecting unit 180 collects the periodic loan information, the interest rate information of the periodic loan, the occasional loan information, and the occasional loan amount, based on the collateral or the credit limit, At least one of the interest rate information of the financial institution.

Specifically, if the credit rating change request of the subscriber is requested, the loan information managing unit 180 can check whether the request is a loan limit adjustment request. The loan amount information correction unit 180 can adjust the loan amount limit by checking the credit limit adjustment. For example, if the credit rating is promoted to a higher rating, the loan limit can be increased. On the other hand, if the credit rating is lowered to a lower rating, the loan limit may be reduced. In this embodiment, the loan may be an occasional loan or a periodic loan. If the periodic loan is lent to the subscriber on a monthly basis, the periodic loan may be increased or decreased by adjusting the loan limit.

The loan information managing unit 180 checks whether or not the loan interest rate is adjusted and adjusts the loan interest rate if the loan rate adjustment is checked.

The loan information information correction unit 180 can check whether or not the collateral is provided. The above-mentioned collateral can be provided by a subscriber, and may be an article such as a noble metal, a bag, a watch, an electronic product, an antique, etc., a variety of stock items, It is possible. For example, a subscriber can provide various kinds of goods or articles that he owns as collateral to increase the limit of his or her own loan or periodic loan, or to lower the interest rate of the loan or the periodic loan at any time. As a result, subscribers who have provided collateral in comparison to subscribers who have not provided collateral can receive more frequent loans or more regular loans. Or subscribers who provide collateral as compared to subscribers who do not provide collateral, may use the loan or periodic loan at any time with lower interest rates.

The loan information information collection unit 180 can calculate the converted amount by converting the collateral into the amount. The conversion of the above collateral into the amount may be converted in various ways. For example, it can be converted into a way of borrowing money temporarily by leaving things in pawn shops.

The loan information information collection unit 180 can check whether or not the loan limit adjustment is requested as the converted amount for the collateral is calculated. If the loan amount information correction unit 180 checks the credit limit adjustment, the loan amount adjustment unit 180 can adjust the loan amount limit based on the converted amount. In this embodiment, the loan limit may be a limit on an occasional loan or a limit on a periodic loan.

The loan information information correction unit 180 can check whether or not the loan rate adjustment is made if the loan limit adjustment is not checked. In this embodiment, the loan interest rate may be a loan interest rate for an occasional loan or a loan interest rate for a periodic loan.

If the loan amount information receiver 180 checks the loan interest rate adjustment, it can adjust the loan interest rate based on the converted amount.

The hybrid bankbook management server 100 may further include a money transfer processing unit 190. As the account transfer is requested, the account transfer processing unit 190 processes the account transfer according to the transfer item. For example, the account transfer processing unit 190 checks the transfer item and the balance. When the balance is checked to be larger than the transfer amount, the account transfer processing unit 190 transfers the amount corresponding to the transfer item to the account. When the transfer item is checked as the cost of living, the account transfer processing unit 190 withdraws the amount from the negative balance and transfers the account. When the transfer item is checked as extra money, the account transfer processing unit 190 withdraws the money from the negative balance and transfers the money to the account. When the transfer item is checked as an investment amount, the account transfer processing unit 190 withdraws the amount from the plus balance and transfers it to the account.

4A and 4B are flowcharts for explaining a hybrid account management method according to an embodiment of the present invention.

Referring to FIGS. 4A and 4B, a hybrid account subscription book containing information for an occasional loan agreement and information for a term loan agreement is received (step S100). In this embodiment, the information for the occasional loan agreement may include occasional loan information and interest rate information of the occasional loan. The information for the periodic loan agreement may include periodic lending date information, periodic loan information, and interest rate information of the periodic loan. The hybrid account subscription book may be provided from a user terminal owned by a customer corresponding to the client or from a window terminal. When the hybrid account subscription form is provided from the user terminal, the interest rate information of the occasional loan or the interest rate information of the periodic loan may be authenticated through a separate lending process and written in the hybrid account book. Alternatively, the interest rate information of the occasional loan or the interest rate information of the periodic loan can be separately authenticated for each customer and separately stored in the hybrid bankbook management server 100 (shown in FIG. 1). Accordingly, the interest rate information of the occasional loan may be omitted in the information for the occasional loan agreement included in the hybrid account subscription book provided from the user terminal, and the interest information of the periodic loan may be omitted in the information for the periodic loan agreement .

Then, in the hybrid account subscription book received in step S100, various types of information such as periodic loan information, periodic loan information, interest rate information of the periodic loan, interest loan information, interest loan information of an arbitrary loan are extracted and stored (step S110) . If the authentication information is processed for each customer and the interest information of the loan at any time or the interest rate information of the periodic loan is separately stored in the hybrid bankbook management server 100 (shown in FIG. 1), the information extracted from the hybrid account book is, Day information, periodic loan information, and occasional loan information.

In step S120, a hybrid account having a plus balance area including a plus loan area to which the periodic loan is mapped and a required deposit area to which the equity capital is mapped and a minus balance area to which the occasional loan is mapped is generated. In the present embodiment, the meaning of generating the hybrid account is management for the withdrawal or reimbursement of the occasional loan, deposit / withdrawal of the demand deposit, deposit / withdrawal of the periodic loan, and reimbursement for the customer on the hybrid bankbook management server 100 (shown in FIG. 1) It can mean what can be done. In addition, it may include a form that can be issued to customers in the form of a bankbook or a card.

Then, it is checked whether or not the present day is a regular loan (step S130). In the present embodiment, the present day may mean the business start time of the financial institution during 24 hours a day, the business end time, or may be the time at which the previous time elapses from the business start time.

If it is checked at step S130 that the present day is the regular lending date, the periodic lending is executed and the committed lending money is deposited into the hybrid account (step S140).

As the committed periodic loan is deposited, the deposited periodic loan is mapped to the plus loan area (step S150). The process of depositing in the hybrid account and the process of mapping the periodic loan may be performed at the same time.

In step S130, it is checked whether or not the modification of the periodic loan is requested (step S160) after the present day is not checked as the periodic lending date or step S150 is performed. The modification of the above-mentioned periodic loan may mean a case where the amount of the periodic loan is revised, such as 300,000 won monthly or 700,000 won monthly, if the monthly loan is set at 500,000 won at the time of entering into the hybrid account.

If it is checked in step S160 that the modification of the periodic loan is requested, the periodic loan is corrected (step S170). It is obvious that the above-mentioned periodic loan must be made through a separate customer authentication procedure in order to correct the loan.

In step S160, it is checked whether modification of the periodic loan is requested or whether modification of the periodic loan date is requested after step S170 is performed (step S180). The modification of the periodic lending date may refer to a case where the date of the regular lending date is requested to be modified, such as the second lunar day of the month when the periodic lending date is set as the first day of each month at the time of subscription.

If it is checked in step S180 that the modification of the regular loan date is requested, the regular loan date is modified (step S190). It should be apparent that a separate customer authentication procedure must be performed to correct the above-mentioned periodic lending date.

In step S180, it is checked whether or not the modification of the periodic lending date is requested, or after step S190 is performed, it is checked whether or not a cash withdrawal is requested (step S200).

If it is checked in step S200 that the cash withdrawal is requested, the withdrawal processing is performed according to the balance (step S210).

After the cash withdrawal is not requested in step S200 or step S210 is performed, it is checked whether or not the account transfer is requested (step S220).

If it is checked in step S220 that the account transfer is requested, the account transfer is processed according to the transfer item (step S230).

After it is checked in step S220 that the account transfer is not requested or step S230 is performed, it is checked whether the money is deposited in the hybrid passbook (step S240).

If it is checked in step S240 that the money is deposited in the hybrid passbook, the repayment of the occasional loan is processed and the remainder after the repayment is deposited (step S250). It is obvious that the above-mentioned repayment of the occasional loan is omitted if the occasional loan corresponding to the occasional loan is not made.

After it is checked in step S240 that the money has not been deposited in the hybrid passbook or step S250 is performed, it is checked whether there is a balance display request by the customer (step S260).

If it is checked in step S260 that there is a balance display request, the balance of the hybrid account is confirmed in real time, and a negative balance due to the occasional loan, a periodic loan, and a plus balance according to the demanded deposit are displayed on the display window of the user terminal (step S270).

If it is checked in step S260 that there is no balance display request, it is checked whether an event such as collateral offering or credit rating change has occurred (step S280).

If it is checked in step S280 that an event such as a collateral offering or a credit rating change is generated, the periodic loan or the occasional loan information is corrected (step S290), and the process returns to step S130 where it is checked whether or not the current day is a periodic loan.

In this embodiment, the process of correcting the periodic loan and the process of correcting the periodic loan may be omitted depending on the financial institution that generates the hybrid account. In other words, it can be managed so that the periodic loan and the periodic lending date written when the hybrid account is opened for the first time can not be modified.

5A and 5B are views showing an example of a user terminal displaying the negative balance and the positive balance shown in FIG. 4B. In the present embodiment, as an example, it is set as 6,000,000 won as a negative money source, and 2,000,000 won as a monthly loan is committed as a regular loan to generate a regular loan. In addition, for convenience of explanation, the explanation of the interest deduction due to the use of the occasional loan, the interest deduction due to the use of the periodic loan, and the summation of the interest accruing due to the demand deposit is omitted.

Referring to FIG. 5A, a monthly negative balance and a positive balance are displayed together. For example, in May, it was confirmed that no on-time lending was used, the regular loan amounted to 2 million won, and the demand deposit amounted to 4 million won. As a result, it can be seen that the total amount of secured funds was 6 million Yuan and preliminarily secured funds were 6 million Yuan, totaling 12 million Yuan.

In June, it was not used anytime loans but it was confirmed that 4 million won was used, 2 million won in regular loans, and 2 million won in deposits. Accordingly, it can be seen that the total amount of secured funds was 4 million Yuan, and the amount of preliminarily secured funds was 6 million Yuan.

In July, 6 million won of the funds were used, so that both the periodic loan and the demand deposit were exhausted and the loan of 2 million won was used as an occasional loan. As a result, it can be seen that the amount of secured funds was 0 won and the amount of funds secured preliminarily was 4 million won.

In August, 2 million won was used as the periodic loan for August, and 3 million won was used as an occasional loan. As a result, it can be seen that the secured funds were 0 won and the preliminarily secured funds were 3 million won, totaling 3 million won.

In September, it was confirmed that no on-time lending was used, the regular loan amounted to 2 million won, and the demand deposit amounted to 5 million won. In other words, it can be confirmed that 6 million won used as an occasional loan, 5 million won as demand deposit, and 2 million won deposited as September deposit. Accordingly, it can be seen that the total amount of secured funds was 7 million Yuan and the amount of preliminarily secured funds was 6 million Yuan, totaling 13 million Yuan.

In October, it can be confirmed that no on-time lending is available, and regular loan of 2 million won and demand deposit of 1 million won exist in the plus balance. Accordingly, it can be seen that the total amount of secured funds was 3 million Yuan, and the amount of preliminarily secured funds was 6 million Yuan.

In November, we can confirm that there is a one-time loan at KRW 1 million and a demand deposit of KRW 0 at the balance. As a result, it can be seen that a total of 7 million won was available, with a secured fund of 1 million won and a reserve fund of 6 million won.

Referring to FIG. 5B, a negative balance and a positive balance are displayed together in November. For example, on November 1, it can be seen that the regular loan of 2 million Yuan and the demand deposit of 6 million Yuan are in the plus balance and the occasional loan of 6 million Yuan is in the negative balance. As a result, the secured funds are 8 million Yuan, and the secured funds are 6 million Yuan, totaling 12 million Yuan.

On November 6, we can see that the remaining balance of 4 million won has been exhausted based on the balance of November 1. Accordingly, the secured funds are 4 million Yuan, and the secured funds are 6 million Yuan, which means that a total of 10 million Yuan can be used as the available funds.

Also, on November 11, we can see that 2 million won has been exhausted from the balance in November based on the balance of November 6. Accordingly, the amount of secured funds is 2 million Yuan, and the amount of preliminarily secured funds is 6 million Yuan, which means that a total of 8 million Yuan can be used as the available funds.

Also, on November 16, we can see that 2 million won has been exhausted from the balance of November based on the balance of November 11. Accordingly, the secured funds are 0 won, and the secured funds are 6 million won, which means that a total of 6 million won can be utilized as the available funds.

On November 21, we can see that the negative balance of 4 million won has been exhausted based on the balance of November 16. As a result, it can be seen that 2 million won of the preliminarily secured funds can be used as available funds.

Also, on November 26, it is confirmed that 10 million won was deposited based on the balance of November 21. As a result, 4 million won is repaid as a negative loan, and 6 million won is deposited as a demand deposit, which means that a total of 12 million won can be used as an available money. The interest due to the negative loan can be calculated and deducted when the depositing process of 10 million Yuan is carried out. However, in the present embodiment, the deduction of interest is omitted for convenience of explanation.

Also, on November 30, the balance of November 26 has been exhausted by 6 million won. As a result, it can be seen that 6 million won of the preliminarily secured funds can be used as available funds.

As described above, the customer can check the current balance of the hybrid account as well as the negative balance in the form of a graph through the user terminal possessed by the customer, thereby making it possible to design the customer's own fund situation more easily.

Fig. 6 is a flowchart for explaining the withdrawal processing step according to the balance shown in Fig. 4B.

Referring to Figures 4A-6, the balance plus the withdrawal request amount is compared (step S510). Although not separately shown, it is apparent that a separate authentication operation is performed before comparing the balance to the withdrawal request amount. For example, when a cash withdrawal is requested through an ATM device or the like, a password input is requested and an authentication operation can be performed based on the input password.

If it is checked in step S510 that the plus balance is larger than the withdrawal request amount, withdrawal of the withdrawal amount is permitted in the positive balance (step S520).

If it is checked in step S510 that the plus balance is not greater than the withdrawal request amount, it is checked whether the plus balance is equal to or larger than 0 yen (step S530).

If it is checked in step S530 that the positive balance is larger than 0 yen, the full withdrawal is permitted in the positive balance (step S540).

Subsequently, after the withdrawal of the difference amount is permitted in the negative balance (step S550), step S160 is performed.

If it is determined in step S530 that the plus balance is not greater than 0 yen, after the withdrawal of the withdrawal request amount is permitted in the negative balance (step S560), step S160 is performed.

FIG. 7 is a flowchart for explaining the account transfer processing step according to the transfer item shown in FIG. 4B.

Referring to FIGS. 4A and 7, it is checked whether it is a request for transfer of accounts according to an operation of a customer (step S610).

If it is checked in step S610 that the request for the account transfer according to the operation of the customer is satisfied, the customer authentication procedure is performed (step S615). Here, the customer authentication procedure may be performed in such a manner that the password is written when the account transfer is performed through the ATM device. On the other hand, when account transfer is performed by Internet banking or the like, an ID and a password may be written.

Next, the minus balance area and the plus balance area of the hybrid account are confirmed (step S620).

On the other hand, if it is checked in step S610 that the account transfer according to the customer's operation is not requested, it is checked whether or not the current day is the automatic account transfer date (step S630).

If the automatic account transfer date is checked in step S630, after the transfer item is confirmed (step S635), a step S620 is performed in which the negative balance area and the positive balance area of the hybrid account are confirmed.

Following step S620, it is checked whether the plus balance is greater than the transfer amount (step S640).

If it is determined in step S640 that the plus balance is larger than the transfer amount, the amount of the transfer item is transferred to the account (step S645).

If it is checked in step S640 that the plus balance is not larger than the transfer amount, it is checked whether or not the transfer item is the cost of living (step S650). In this embodiment, the living expenses may include financial interest groups and utility bills. Financial interest groups can include home loans, interest on credit, and credit card payments. The utility bill group may include the national pension, electricity, telecommunication, water, and CMS.

If the transfer item is checked as the cost of living in step S650, the amount is withdrawn from the negative balance and transferred to the account (step S655).

If it is determined in step S650 that the transfer item is not checked for the cost of living, it is checked whether or not the transfer item is spare money (step S660). In this embodiment, the extra funds may include parents' allowance, various school expenses, etc. as spare funds group.

If the transfer item is checked as spare funds in step S660, the money is withdrawn from the negative balance and transferred to the account (step S665).

If the transfer item is not checked as extra money in step S660, whether the transfer item is an investment or not is checked (step S670). In this embodiment, the investment money may include savings, beneficiary certificates, funds, etc. as a financial contribution group.

If the transfer item is not checked in step S670, the flow returns to step S240. If the transfer item is checked in step S670, the amount is withdrawn from the balance and transferred to the account (step S675).

FIG. 8 is a flowchart for explaining the step of repayment and payment of an arbitrary loan shown in FIG. 4B.

Referring to Figs. 4A to 8, it is checked whether or not an occasional lending has occurred (step S710).

If it is checked in step S710 that the on-time lending has occurred, the interest on the on-time lending is calculated (step S720). The interest accrued on the occasional loan will be calculated on the basis of the periodic loan and the period from the date of execution of the loan at any time until the date of repayment.

The principal and interest due to the occasional loan are deposited in the negative balance (step S730). Here, the deposit amount may be larger or smaller than the original loan amount.

Subsequently, it is checked whether or not the occasional loan has been completely paid (step S740).

If it is determined in step S740 that the on-time loan has not been fully processed, the on-time loan is processed on an occasional basis (step S750) and then fed back to step S260.

If it is checked in step S740 that the on-demand loan has been fully discharged, it is checked whether or not the remaining amount exists in the deposited amount (step S760).

If it is checked in step S760 that the remaining amount is present in the deposited amount, the remaining amount is deposited in the positive balance (step S770), and then fed back to step S260.

On the other hand, if it is checked in step S710 that the on-time loan does not exist, the deposit amount is deposited in the plus balance (step S780), and then fed back to step S260.

FIG. 9 is a flowchart for explaining the step of correcting the periodic loan or the occasional loan information shown in FIG. 4B.

Referring to FIG. 9, it is checked whether it is a credit rating change request of a subscriber (step S802). In this embodiment, the credit rating variation may be requested by the subscriber and may be requested by the party managing the hybrid account.

If the credit rating change request is checked in step S802, it is checked whether it is a credit limit adjustment request (step S804). The above-described loan limit adjustment may be requested by the subscriber or may be requested by the side managing the hybrid account.

If the credit limit adjustment is checked in step S804, the credit limit is adjusted (step S804), and the process returns to step S120. For example, if the credit rating is promoted to a higher rating, the loan limit can be increased. On the other hand, if the credit rating is lowered to a lower rating, the loan limit may be reduced. In this embodiment, the loan may be an occasional loan or a periodic loan. If the periodic loan is lent to the subscriber on a monthly basis, the periodic loan may be increased or decreased by adjusting the loan limit.

If the credit limit adjustment is not checked in step S804, it is checked whether or not the credit rate adjustment is performed (step S808). The loan interest adjustment described above may be requested by the subscriber or may be requested by the side managing the hybrid account.

If the loan rate adjustment is not checked in step S808, the flow returns to step S120. If the loan rate adjustment is checked in step S808, the loan rate is adjusted (step S810), and then the flow returns to step S120.

If the credit rating change is not checked in step S802, it is checked whether a security is provided (step S812). The above-mentioned collateral can be provided by a subscriber, and may be an article such as a noble metal, a bag, a watch, an electronic product, an antique, etc., a variety of stock items, It is possible. For example, a subscriber can provide various kinds of goods or articles that he owns as collateral to increase the limit of his or her own loan or periodic loan, or to lower the interest rate of the loan or the periodic loan at any time. As a result, subscribers who have provided collateral in comparison to subscribers who have not provided collateral can receive more frequent loans or more regular loans. Or subscribers who provide collateral as compared to subscribers who do not provide collateral, may use the loan or periodic loan at any time with lower interest rates.

If it is checked in step S812 that the collateral is provided, the converted amount is calculated by converting the collateral into an amount (step S814). The conversion of the above collateral into the amount may be converted in various ways. For example, it can be converted into a way of borrowing money temporarily by leaving things in pawn shops.

As the converted amount for the collateral is calculated, it is checked whether or not the credit limit adjustment is requested (step S816). The above-described loan limit adjustment may be requested by the subscriber or may be requested by the side managing the hybrid account.

If the credit limit adjustment is checked in step S816, the credit limit is adjusted based on the converted amount (step S818), and the process returns to step S120. In this embodiment, the loan limit may be a limit on an occasional loan or a limit on a periodic loan.

If the credit limit adjustment is not checked in step S816, whether or not the credit rate adjustment is checked is checked (step S820). In this embodiment, the loan interest rate may be a loan interest rate for an occasional loan or a loan interest rate for a periodic loan.

If the loan rate adjustment is not checked in step S820, the flow returns to step S120. If the loan rate adjustment is checked in step S820, the loan rate is adjusted based on the converted amount (step S822).

The embodiments of the present invention described above can be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination. The program instructions recorded on the computer-readable recording medium may be those specifically designed and configured for the present invention or may be those known and used by those skilled in the computer software arts. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROM and DVD, magneto-optical media such as floptical disks, medium, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code, such as those generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be modified into one or more software modules for performing the processing according to the present invention, and vice versa.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined in the appended claims. You will understand.

As described above, according to the present invention, it is possible to use the amount (periodic loan) secured on a specific day on a regular basis, for example, on a monthly basis, thereby providing convenience to the customer can do. For example, if a customer has know-how in investing in a financial instrument, the client may invest the money in a financial instrument that can expect higher returns than the regular loan rate.

In addition, it is possible to alleviate the cost burden on the lender by correcting the limit or the interest rate or the limit or the interest rate of the periodic loan at any time based on the collateral provided by the subscriber or the variable credit rating of the subscriber.

In addition, since banks issue regular loans on a regular basis, stable loan performance can be expected. For example, regularly, for example, a loan executed and executed on a specific day of each month may be linked to a financial product investment by the customer again. Therefore, not only the performance due to the regular loan but also the financial product investment You can expect.

31: user terminal 32:
100: Hybrid bankbook management server 110: Local interface unit
115: I / O interface unit 120:
130: Hybrid account generation unit 140: Periodic loan execution unit
150: Cash withdrawal processing unit 160:
170: Occasional loan repayment processor 175: Periodic loan repayment processor
180: Loan information managing unit 190: Money transfer processing unit
200: electronic document server 250: electronic document DB
300: DBMS 400: Banking server

Claims

Receiving a hybrid account subscription book that includes information for an occasional lending arrangement in which lending is performed from time to time according to a customer's request and information for a periodic lending arrangement in which the lending is periodically executed in accordance with the arrangement;
Extracting and storing loan information including periodic loan information, periodic loan information, interest rate information of the periodic loan, occasional loan information, and interest rate information of the occasional loan in the hybrid account subscription book;
Generating a hybrid account having a plus balance area including a plus loan area to which the periodic loan is mapped and a demand deposit area to which the equity capital is mapped and a minus balance area to which the occasional loan is mapped;
Performing a periodic loan and depositing the committed periodic loan as the period of the periodic loan arrives;
Mapping the deposited periodic loan to the plus loan area as the committed periodic loan is deposited;
Modifying the loan information based on the collateral provided by the subscriber or the variable credit rating of the subscriber; And
Calculating the interest of the periodic loan and subtracting interest of the periodic loan from the periodic loan to be subsequently deposited.

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The method of claim 1, wherein the step of modifying the loan information comprises:
And changing the limit of the occasional loan or the interest rate of the occasional loan according to the change of the credit rating of the subscriber.

The method of claim 1, wherein the step of modifying the loan information comprises:
And adjusting the limit of the occasional loan or the interest rate of the occasional loan based on the collateral submitted by the subscriber.

The method of claim 1, wherein the step of modifying the loan information comprises:
And changing the limit of the periodic loan or the interest rate of the periodic loan according to the change of the credit rating of the subscriber.

An account subscription letter receiving unit for receiving a hybrid account subscription letter including a regular lending date, a periodic loan, an interest rate of a regular loan, an arbitrary loan, and an interest rate of an arbitrary loan, the interest rate of the periodic loan, the periodic loan and the periodic loan And the interest rate of the occasional loan and the occasional loan is information for an occasional loan agreement in which the loan is executed from time to time in accordance with the request of the customer;
A hybrid account creating unit for creating a hybrid account having a plus balance area including a plus loan area to which the periodic loan is mapped and a required deposit area to which the capital is mapped and a minus balance area to which the frequent loan is mapped;
A periodic loan execution unit for executing the periodic loan and depositing the committed periodic loan as the period of the periodic loan arrives;
A loan money mapping unit for mapping the deposited periodic loan to the plus loan area as the committed periodic loan is deposited;
A loan information information modifying unit for modifying at least one of the periodic loan information, the interest rate information of the periodic loan, the occasional loan information, and the interest information of the occasional loan based on the collateral provided by the subscriber or the variable credit rating of the subscriber; And
And a periodic loan repayment processor for calculating the interest of the periodic loan and subtracting the interest of the periodic loan from the periodic loan subsequently deposited.

The method according to claim 6, further comprising the step of calculating and repaying the interest-bearing interest on the occasional loan, which is withdrawn from the negative balance area when the money is deposited into the account, and depositing the balance in the plus balance area, Area of the hybrid account management system.

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