KR102119147B1 - Method and system for automatically generating legal documents - Google Patents

Abstract

According to an embodiment of the present invention, a method for automatically generating a legal document related to a claim for payment of a gold source, comprising: receiving input information input by a user through an input user interface; Automatically generating calculation basis data of the billing purpose, the cause of the claim, and the billing amount based on the input information; And presenting to the user a legal document including the billing purpose, the cause of the claim, and calculation basis data of the claim amount to the user.

Description

METHOD AND SYSTEM FOR AUTOMATICALLY GENERATING LEGAL DOCUMENTS}

Embodiments of the present invention relates to a method and system for automatically generating legal documents, and more particularly, to a method and system for automatically generating legal documents related to claims for payment of financial resources.

Since legal documents are unfamiliar to the general public without legal knowledge, in most cases, legal documents such as lawyers are consulted to prepare legal documents. In particular, since the issues to be dealt with in legal documents vary depending on the type and nature of the case, it is almost essential to seek advice from an attorney from the general public's point of view.

However, legal documents related to claims for payment of funds (eg, legal documents such as an application for payment order) are often prepared in a similar format, and because computerized automation of processes has spread in all aspects of life, payment of funds has been spread. There has been a need to develop a method and system capable of automatically generating legal documents related to claims.

In this regard, as the prior art, there is Korean Patent No. 10-1838948 entitled "Method and Device for Automatic Creation of Legal Documents". However, in the prior art, a specific implementation method of how to automatically create a legal document is presented. It does not exist (e.g., it is not provided as to how to automatically fill out the claim and the cause of the claim, which is an essential element of the legal document), and also how to automatically calculate the amount of the claim in matters related to claims for payment of funds. There was a problem not described as.

One object of the present invention is to provide a method and system for automatically generating a legal document related to a claim for payment of a gold source.

According to an embodiment of the present invention, a method for automatically generating a legal document related to a claim for payment of a gold source, comprising: receiving input information input by a user through an input user interface; Automatically generating a claim and a claim cause based on the input information; And presenting to the user a legal document containing the claim and the cause of the claim.

According to an embodiment of the present invention, the input information may include date information related to the gold source.

According to an embodiment of the present invention, the date information may include information about one or more of the date of the receipt, the date of the claim, the date of the loan, the date of the loan, and the date of the contract related to the fund.

According to an embodiment of the present invention, the input user interface is one of options for receiving all of the date information for the month and month, options for receiving the date information only until the year, and options for receiving the fact that the user does not know the date information. It is possible to enable the user to select the above.

According to an embodiment of the present invention, the input user interface may present items to be input by the user on the basis of requirements factism.

According to an embodiment of the present invention, an item to be input by the user may be dynamically added or deleted based on at least a part of the input information input by the user in the input user interface.

According to an embodiment of the present invention, the input information may include variable values corresponding to a plurality of input item variables.

According to an embodiment of the present invention, an additional description related to at least some of the plurality of input item variables may be provided in the input user interface.

According to an embodiment of the present invention, the billing purpose and the claim cause may be automatically generated as at least one sentence according to a conditional expression based on the variable values.

According to an embodiment of the present invention, the at least one sentence may be generated by combining at least one of the predefined template syntax and the variable values.

According to an embodiment of the present invention, the step of automatically generating the claim and the cause of the claim based on the input information includes automatically generating the basis of calculation of the claim amount, and the claim and the claim cause. The step of presenting the legal document to the user may include presenting the legal document including the calculation basis data of the bill to the user.

According to an embodiment of the present invention, the input information includes variable values corresponding to a plurality of input item variables, and the calculation basis data of the billing amount is calculated according to a function based on the variable values and automatically generated Can be.

According to an embodiment of the present invention, the input user interface inputs a separate input required to claim the contract amount for each event and an input for claiming additional overdue interest when the contract amount for each event is paid late. Can be configured to.

According to an embodiment of the present invention, a method for automatically generating a legal document related to a claim for payment of a gold source, comprising: receiving input information input by a user through an input user interface; Calculating a bill amount based on the input information; And presenting a result of calculating the bill to the user.

According to an embodiment of the present invention, in the step of presenting the calculation result of the billing amount, when the user is a user of the first class, the calculation basis data of the billing amount together with the calculation result of the billing amount And presenting to the user only the calculation result of the billing amount when the user is a second-class user.

According to an embodiment of the present invention, the step of calculating a billing amount based on the input information sets a date for one or more of a day to be received, a billing day, a borrowing day, a receiving date, and a contracting date related to the money source It may include the steps.

According to an embodiment of the present invention, when the day to be received or the day to which the claim has been received is input only by the year, the end of the month may be set as the day to be received or the day to be claimed.

According to an embodiment of the present invention, when the day to be received or the day to which the claim is requested is entered only by the month of the year, if the day to be received or the day of the claim belongs to the same month as the day of the application, the day of the request to be received Alternatively, it can be set to the date of the claim.

According to an embodiment of the present invention, when the borrowed day is input only until the year, the last day of the month may be set as the borrowed day.

According to an embodiment of the present invention, if the borrowed day is entered only until the month of the year, if the borrowed day belongs to the same month as one of the day to be received, the day of the claim and the day of application, the day of the borrowing, the The date of the claim and the best day of the application can be set as the borrowed day.

According to an embodiment of the present invention, when the received day is input only until the year, the first day of the month may be set as the received day.

According to an embodiment of the present invention, when the contracted date is input only until the year, the end of the month may be set as the contracted day.

According to an embodiment of the present invention, setting a date for one or more of the day of the reception, the date of the claim, the date of the loan, the date of the loan, the date of the receipt, and the date of the contract is an option of receiving all of the date information regarding the date, It may be set by allowing the user to select one or more of an option to receive information about the date only by the month of the month and an option to receive the fact that the user does not know information about the date.

According to an embodiment of the present invention, the step of calculating the billing amount based on the input information further includes the step of processing the other party's reimbursement performed after the step of setting the date, but the other party's reimbursement The step of processing the gold includes performing the primary repayment process when there is a reimbursement of the other party for which the received day is not specified, and performing the secondary repayment process when there is a repayment of the other party having the specified day. It may include the steps. The processing of the other party's reimbursement may also include processing of an amount not paid to the other party, such as unpaid monthly rent.

According to an embodiment of the present invention, the step of performing the primary reimbursement process is to perform reimbursement processing on the principal of the gold source, and the step of performing the secondary reimbursement process is on the principal and interest of the gold source. It may be to perform the transformation treatment.

According to an embodiment of the present invention, a system including a computing device performing various embodiments of the above-described method for automatically generating legal documents is provided.

According to an embodiment of the present invention, a method for automatically providing a service related to a claim for payment of money, comprising: receiving input information input by a user through an input user interface; Creating a power of attorney based on the electronic signature technique; Automatically generating a claim and a claim cause based on the input information; And electronically submitting to the court a legal document containing the claim and the cause of the claim.

According to an embodiment of the present invention, a method of automatically providing a service related to a claim for payment of a gold source may include a service type application step.

According to an embodiment of the present invention, the service type application step includes a service for providing the user with a legal document including the claim and the claimant, the billing party and the legal document including the claimant, to the user And provide the legal document to the court electronically, or provide the user with the legal document containing the claim and the cause of the claim to the user, electronically provide the legal document to the court, and respond to the court's amendment order Therefore, the service related to address correction and delivery application may be to allow the user to select one of electronically provided services.

According to embodiments of the present invention, it is possible to provide a method and system for automatically generating a legal document related to a claim for payment of funds.

1 is a flowchart illustrating a method for automatically generating a legal document related to a claim for payment of a gold source according to an embodiment of the present invention.
FIG. 2 is a flowchart illustrating steps involved in receiving input information input by a user through an input user interface in the method for automatically generating a legal document according to an embodiment of the present invention.
3 to 10 are views illustrating an exemplary input user interface presented through a method for automatically generating legal documents according to an embodiment of the present invention.
FIG. 11 is a diagram showing an exemplary template of calculation basis data of a bill amount generated through a method for automatically generating legal documents according to an embodiment of the present invention.
12 is a flow chart illustrating a method for automatically generating a legal document related to a claim for payment of a gold source according to an embodiment of the present invention.
13 and 16 are flowcharts illustrating steps included in calculating a bill amount based on input information in the method for automatically generating a legal document according to an embodiment of the present invention.
14 and 15 are diagrams for explaining an exemplary situation of the step of performing the secondary reimbursement process included in the method for automatically generating a legal document according to an embodiment of the present invention.
17 to 19 are views showing an example of a calculation table according to an embodiment of the present invention.

In the following detailed description, specific embodiments will be described with reference to the accompanying drawings, which form a part of this specification. Features of the embodiments of the present invention may be combined or used with other features, and structural changes may be made without departing from the spirit or scope of the present disclosure. Therefore, the following detailed description should not be taken in a limiting sense, and the scope of the present invention is defined by the appended claims and equivalents thereof.

In describing embodiments of the present invention, when it is determined that a detailed description of known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. In addition, terms to be described later are terms defined in consideration of functions in an embodiment of the present invention, which may vary according to a user's or operator's intention or practice. Therefore, the definition should be made based on the contents throughout this specification.

Embodiments will be described in the general context of program modules that run together with application programs that run on the operating system of a computing device, but those skilled in the art will understand that these features may be implemented with other program modules.

Generally, program modules include routines, programs, components, data structures, and other types of structures that perform particular tasks or implement particular abstract data types. In addition, those skilled in the art will appreciate that the embodiments may be practiced with other computer system configurations, including handheld devices, multiprocessor systems, microprocessor-based or programmable consumer electronics, minicomputers, mainframe computers, and compatible computing devices. will be. Embodiments may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote memory storage devices.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a flowchart illustrating a method for automatically generating a legal document related to a claim for payment of a gold source according to an embodiment of the present invention. The method for automatically generating an exemplary legal document illustrated in FIG. 1 includes receiving input information input by a user through an input user interface (110), based on the input information, billing purpose, claim cause, and calculation basis data of the billing amount It may include a step (120) for automatically generating, and a step (130) for presenting to the user a legal document including the billing purpose, the cause of the claim, and calculation basis data of the claim amount.

The step 110 of receiving input information input by the user through the input user interface is a step of receiving information required by the user to automatically generate a legal document (eg, an application for payment order). In this step 110, an event name (event type), detailed information related to the event, creditor information, and debtor information may be received from a user (eg, creditor). For example, the step of receiving the input information 110, as shown in Figure 2, the step of allowing the user to select the event name (111), the step of entering the detailed information related to the event (112), It may include a step 113 of inputting creditor information and a step 114 of inputting creditor information. However, the order illustrated in FIG. 2 is merely exemplary, and is not necessarily limited thereto.

In addition, according to an embodiment of the present invention, a service type application step, an electronic signature method, and the like may include a commissioning step and a payment step. The service type is a service that applies for the preparation of legal documents only or electronically on behalf of the application documents by using the Supreme Court's electronic litigation site, etc. based on the contents written in the power of attorney. There may be services that support court response, such as electronically recognizing and electronically requesting address correction and delivery. For reference, in the case of an individual, the Supreme Court electronic litigation site provides the debtor's address electronically if the individual has a resident registration number, and in the case of a corporation, if the business number and corporate registration number are known, it is automatically provided as a certified copy of the corporate registration.

Claims for payment of financial resources may be caused by various legal causes, for example, loans, sales and service fees, lease deposits, investment proceeds, contracts, and return of investments. According to an embodiment of the present invention, various legal causes may be divided into loan cases and other events (that is, events other than loans) to be processed. Accordingly, the step 110 of receiving input information according to an embodiment of the present invention is the step of receiving the event name (event type) to distinguish whether the event name (event type) is a loan event or other events other than the loan amount. It may include (111).

The step 112 of allowing the user to input detailed information related to the event is a step of allowing the user to input information related to the event (for example, information on borrowed money, borrowed day, interest rate, and date on which it was received). . In step 112, the input user interface presented to the user may be configured to have different information to be input according to the event name (event type). Various examples of the input user interface presented according to the event name are presented through FIGS. 3 to 9. FIG. 3 is an exemplary user interface for a loan event, FIG. 4 is an exemplary user interface for a trading case, FIG. 5 is an exemplary user interface for a service cost event, and FIG. 6 is an example for a lease deposit event A user interface, FIG. 7 is an exemplary user interface for an investment case, FIG. 8 is an exemplary user interface for an investment return event, and FIG. 9 is an exemplary user interface for an investment return event.

3 to 9, the input user interface may be presented based on the requirements faction according to each event name. For example, the exemplary user interface related to the loan case shown in FIG. 3 allows the user to input the loan, the borrowed day, the interest rate, the date to be received, etc., based on the requirement realism related to the loan. , An exemplary user interface related to the transaction price event shown in FIG. 4 allows the user to input the transaction item, quantity, transaction price, and contract date. For each event shown in FIGS. 5 to 9, an input user interface may be presented based on the requirements faction of the event.

In addition, on the day that you decide to receive for each case, you can receive only the required input to receive the amount specified in the contract, or, if you pay late, you can additionally receive the input that you can receive by adding overdue interest. That is, the required input part and the additional input part can be distinguished. As shown in FIGS. 5 to 9, inputs related to arrears and interests may be classified such that corresponding inputs are displayed by a separate selection button “requesting arrears”.

Meanwhile, each input user interface illustrated in FIGS. 3 to 9 may additionally include a user interface for attaching evidence files as illustrated in FIG. 10. The user interface for attaching the evidence file shown in FIG. 10 allows the user to easily attach evidence that can verify the details entered through any one of the input user interfaces of FIGS. 3 to 9 in the form of a file. do.

The input user interface as illustrated in FIGS. 3 to 9 may allow items to be input by the user to be dynamically added or deleted based on at least a part of input information input by the user. For example, as shown in FIG. 3, in the case of inputting the loaned money in the loan case, the loan may be loaned multiple times, so the loaned money can be divided into a plurality of times to be processed. You can configure the "Add" button to be included in the input user interface. For example, if the user selects the "Add" button to the right of the loaned item, the input user interface is dynamically changed to allow the user to additionally input information related to the loaned money (eg, loaned money, date borrowed, etc.) Interface elements can be presented to the user. Alternatively, as shown in FIG. 4, in some cases, there may be a variety of traded items in the transaction price event, so that the type of traded items can be distinguished and inputted in the input user interface so that the type of traded items can be handled. Can be. For example, if the user selects the "add" button on the right side of the item of the item to be traded, the input user interface is dynamically changed to allow the user to additionally input information related to the item of sale (eg, item of sale, quantity, etc.). Interface elements may be presented to the user. 4 shows a state in which the user inputs information related to three different types of trading items such as potatoes, apples, and books in this situation. In addition, some of the money received by the user from the debtor is included, so that the user can receive the payment from the debtor multiple times by including the "Add" button on the right side of the money item paid to handle cases where the payment is received multiple times. You can also present a user interface that allows you to enter information about the money received.

On the other hand, even if the user is not required to select the "add" button, in some cases, an item to be input by the user may be dynamically added or deleted based on input information of the user input to the input user interface. For example, if the user has no money received from the debtor, the user will select “None” from the “Yes” or “None” button of the received money item, and of course the items related to the money paid (eg, money paid, money paid) Blades, etc.) may be dynamically deleted so that they are no longer displayed in the input user interface.

As such, according to an embodiment of the present invention, since the input user interface can be dynamically changed, there is an advantage of improving the user's input convenience.

Meanwhile, input information received through an input user interface according to an embodiment of the present invention may include variable values corresponding to a plurality of input item variables. For example, loaned money, loaned day, interest rate, date agreed to be received, date billed, delinquency rate, bond type, money received, money paid, money paid, etc. included in the exemplary input user interface presented through FIG. Information constitutes input item variables, and user input values for these input item variables may be defined as variable values corresponding thereto. For example, in the example of FIG. 3, a variable value directly input by a user may be assigned to an input item variable (eg, a variable value for an input item variable called “loan money” is allocated as “150000” KRW, The variable value for the input item variable called "borrowed day" is assigned to "February 6, 2018"), or the variable value associated with the button selected by the user may be assigned to the corresponding input item variable (eg, "bonds") The variable value for the entry variable named "Type" becomes "civil bond"). In the rest of FIG. 3 and the examples of FIGS. 4 to 9, input item variables and variable values thereof may be allocated in a similar manner.

Meanwhile, according to an embodiment of the present invention, an additional description related to at least some of the plurality of input item variables may be provided in the input user interface. For example, in the embodiment shown in FIG. 3, in a situation where the user is trying to select what the “bond type” is among a plurality of input item variables, an additional explanation is provided to explain what each of the civil and commercial bonds is. It can be. This additional explanation can be presented if the user selects the question mark icon next to the bond type. For example, additional descriptions included in Table 1 may be presented.

Alternatively, even if the question mark icon is not selected (for example, clicked), when the user selects input information related to a specific input item variable of the input user interface, an additional description may be automatically provided. For example, in the embodiment illustrated in FIG. 3, in a situation where a user tries to input “borrowed day” among a plurality of input item variables, an additional description related to selecting the button when the “unknown” button is selected Can be presented. For example, additional descriptions included in Table 2 may be presented.

The implementation of the input user interface in this way has the advantage that even ordinary people without legal knowledge may not have difficulties in automatically creating legal documents themselves.

Meanwhile, the input user interface according to an embodiment of the present invention allows the law to allow the user (eg, the creditor) to charge the maximum amount of the claim to the other party (eg, the debtor) according to the user's input information. In the limit, it is possible to calculate the amount of the claim advantageous to the user. To this end, according to an embodiment of the present invention, there is provided an input user interface capable of receiving a method of inputting information related to a date in a manner not previously disclosed. For example, the input information received through the input user interface may include date information related to the source of money, where the date information is one or more of the date of the receipt, the date of the claim, the date of the loan, the date of the receipt and the date of the contract related to the source of money. It may contain information about the date. For example, the date information may be the date of payment of the money source to the other party (for example, "the day of the loan" shown in FIG. 3) or the date of the payment of the money source from the other party (for example, the date of payment of the money payment shown in FIG. 3). "). Lending money is understood as a concept that includes not only money lent to the other party, but also all kinds of money paid to the other party, such as money paid as an investment to the other party. Also, the lent day is understood as a concept that includes not only the loan day of the loan to the other party, but also the day of payment of all kinds of money paid to the other party, such as money paid as an investment to the other party.

According to an embodiment of the present invention, the input user interface inputs date information (i) an option to receive all the dates of the month, (ii) an option to receive date information only by the year, and (iii) the fact that the user does not know the date information You can allow users to select one or more of the options they receive.

If the user enters all the dates of the month, the billing amount can be calculated accordingly, but if not, even if the date information is entered only until the month of the year or the fact that the date information is unknown, to the extent that the law permits, the user will be most advantageous. Date information can be pre-processed to calculate the billing amount. An example of pre-processing date information will be described in detail below when describing the algorithm for calculating the billing amount.

Meanwhile, the input user interface according to an embodiment of the present invention may be configured to process at least the following situations in order to receive date information in various situations.

For example, the borrowed money (loan) and the received money (reimbursement) may exist over several times, so that each borrowed money or received money can be input for each corresponding borrowed or received day. In addition, as described above, the borrowed money and the received money may be configured to be able to process all of these inputs, since the borrowed day, the received day, respectively, may not be known (no input) or until the year. On the other hand, the user may not enter the borrowed money or received money in order of date, and may input more than one borrowed money or received money on the same day, and input the money not knowing the borrowed or received day Since there may be multiple, the input user interface can be configured to handle this situation. In addition, the date of contract, the date of receipt, and the date of billing, such as the date of borrowing and the date of receipt, may not be known (ie, there is no user input) or may not be known by the user, and may be entered only until the month of the year. Can be configured to. On the day you decide to receive or the day you claim, you may only come in one of the two, or both may not be entered, and the date you claim is meaningful only if the contract does not specify an expected payment date. Input user interface can be changed dynamically. In addition, only one of the two can be entered on the day you decide to receive or the day you claim, and if you don't know the day you decided to receive, or if you don't have the day you claimed, you can also treat them as having no input. In addition, the day you decide to receive or the day you claim may not exist for each loan, but there may be only one for the total loan, and all borrowed money may have the same interest rate and delinquent interest rate, so that the input user interface can handle it. Can be configured. If the day you decide to receive or the day you claim is present for each borrowed money, you can perform processing so that it is judged as a separate loan rather than divided and rented. Here, it is assumed that the input is processed for one loan and the loan is divided and lent and divided, so that there can be only one day to be received or the day of claim, and all borrowed money can be processed with the same interest rate and delinquent interest rate. have. In addition, because there may be a prepayment, there may be a repayment even before the day you decide to receive it (payment deadline), but you can configure the input user interface so that the loaned day (rental date) can come only before the day you decide to receive it (payment date). Can be.

Returning to Fig. 1 again, based on the input information, a description will be given of the step 120 of automatically generating the basis of the claim, the reason for the claim, and the calculation basis of the claim amount. In this step 120, the user automatically generates the billing base, the cause of the claim, and the calculation basis data of the bill amount included in the legal document based on the input information input by the user through the input user interface as described above.

According to an embodiment of the present invention, the claim and the cause of the claim may be automatically generated as at least one sentence according to a conditional expression based on variable values corresponding to a plurality of input item variables. Here, at least one sentence may be generated by combining at least one of a predefined template syntax and variable values. For example, the claim cause may include an example sentence that is automatically generated as shown in Table 3.

Table 3 is an exemplary sentence that can be used when a user inputs input information related to a loan event through the input user interface of FIG. 3. As illustrated in FIG. 3, assuming that the user selects the bond type as “private bond”, inputs the lent money as “150000” won, and enters the lent day as “February 6, 2018”, The sentence in Table 3 will be completed with the sentence "The creditor paid 150,000 won as a loan to the debtor on February 6, 2018." Assuming the situation where the user selects the bond type as “commercial bond,” the sentence above, according to the conditional expression in Table 3, “The merchant creditor paid 150000 won as a loan through commercial acts to the debtor on February 6, 2018. It will be completed with the sentence ". As such, at least one sentence has a predefined template syntax (eg, a “prescriber”, a “prepaid loan”, a “prepaid phrase”, etc.) and variable values (eg, bond type) Among the variable values assigned to a variable, “commercial bonds”, the variable value assigned to the <#borrowed money> variable, “150000”, and the variable value assigned to the variable <#borrowed date>, “February 6, 2018”, etc.) It can be produced by combining at least one.

According to an embodiment of the present invention, in relation to the loan case, sentences generated as shown in Tables 4 to 7 may be further included in the claim cause.

In addition, according to an embodiment of the present invention, the claim may include example sentences that are automatically generated as shown in Table 8 or Table 9. Tables 8 and 9 are exemplary sentences that can be used for billing when the user inputs input information related to other events (ie, events other than loans) through the input user interface of FIGS. 4 to 9. Table 8 is a billing statement that can be used if you know the day you choose to receive, and if you know the date you paid, and Table 9 does not know the day you chose to receive, or you don't know the day you paid, It is understood that as a claim to be used in the case, the principle of generating a sentence can be generated in a manner similar to the description presented with respect to Table 3 above.

On the other hand, according to an embodiment of the present invention, the calculation basis data of the billed amount may be automatically generated (eg, generated in a table format) by being calculated according to a function based on variable values. For example, FIG. 11 shows an example template for automatically generating calculation basis data for a billing amount based on variable values. According to the civil practice, the calculation data must also be attached in the complaint of a lawsuit in which it is difficult to calculate the purpose of the claim and the purpose of the claim. Fig. 11 is a template for automatically generating such calculation data. As shown in FIG. 11, according to an embodiment of the present invention, based on variable values according to input information input by a user (eg, variable values allocated to <#loan money>, <#payment money>) Thus, it can be automatically generated according to intermediate calculated values calculated according to a predetermined function (for example, <#Modified Revenue n>, <#Principal Balance n>, etc.).

Referring back to FIG. 1, following the step (120) of automatically generating calculation basis data for the billing purpose, the claimant, and the billing amount as described above, the law including the billing cause, the claimant, and the calculation basis data for the billing amount Step 130 of presenting the document to the user may be performed. In this case, a step may be performed between steps 120 and 130 to allow a user to pay a fee for using the service according to the present invention. According to an embodiment of the present invention, the user may download the completed legal document as a file through step 130 or receive it through communication means such as e-mail. The user may directly print and submit the completed legal document provided to the court.

12 is a flow chart illustrating a method for automatically generating a legal document related to a claim for payment of a gold source according to an embodiment of the present invention. A method of automatically generating a legal document related to a claim for payment of a financial source according to the exemplary embodiment shown in FIG. 12 includes receiving input information input by a user through an input user interface (210), Based on the calculation of the billing amount 220, and presenting the result of calculating the billing amount to the user 230.

Since the input information receiving step 210 shown in FIG. 12 may be performed similarly to the input information receiving step 110 as described above with reference to FIGS. 1 to 10, it may be understood by referring to the above-described description.

Calculating the bill amount based on the input information (220) is a step of advantageously calculating the bill amount of the money source to the extent that the law allows according to the bill amount calculation algorithm according to an embodiment of the present invention. To the extent that the law allows, the calculation of the advantage to the user means that the information that the user knows in the process of calculating the bill (e.g., information related to the date related to the money source) is applied as strictly as possible, but the user knows exactly The information that is not present (e.g., if the date related to the money source is known only until the year of the month or not at all) is calculated according to the law so as not to be disadvantageous to the other party (e.g., the debtor). It is possible. Since the application of information that the user does not know exactly and using it for calculation in a direction advantageous to the user infringes the interests of the other party, it is against the law. It is applied (in other words, the calculation algorithm is applied so as not to disadvantage the other party (the debtor)).

The calculation algorithm described below in connection with the step 220 of calculating the bill amount based on the input information may be considered to be the same as the calculation algorithm applied when generating the calculation basis data of the bill amount according to the embodiment of FIG. 1. . In other words, it will be understood that the calculation algorithm described below may also be applied to the embodiment of FIG. 1. Hereinafter, the step 220 of calculating the billing amount based on the input information will be described in detail.

According to an embodiment of the present invention, calculating the billing amount 220 comprises setting a date associated with the money source as shown in FIG. 13 (221), and performing reimbursement processing when there is a counterparty's reimbursement Step 222, and calculating the principal balance and interest balance may include a step (223).

According to an embodiment of the present invention, in the step 221 of setting a date related to the gold source, a date for one or more of a date of receipt, a claim date, a loan date, a received date and a contract date related to the gold source may be set. Although the examples described below are exemplarily described based on dates that may be set in relation to loan events, these are merely illustrative examples provided for convenience of explanation, and these dates are other events (ie, loans). It can be understood that the same may be applied to other events). Interest applied to the loan case may include commitment interest, delayed interest (overdue interest or delayed damages) and litigation interest, whereas, in other cases, interest applied to other cases is delayed interest and litigation There are differences that can include interest. In addition, there is a difference that the amount that can be received on the day you decide to receive is determined by the amount determined in the contract, such as loan, contract fee, purchase price, lease deposit, investment return, etc. have. Also, depending on the case, the method of calculating the amount of the claim may vary. If there is an unpaid amount of the monthly rent in the lease deposit claim, the amount of the claim is calculated by subtracting not only the reimbursement amount but also the unpaid monthly rent. However, even in other cases, the order of reimbursement provision and the method of setting the date except for the loan date are similar to the method of calculating the loan event, so it can be applied as it is. However, there are some differences in the calculation of delayed interests in loans and other events because the requirements for delayed interest (delayed loss) vary from case to case. The requirements for the occurrence of delayed interest (delayed loss) and the calculation period for delayed interest (delayed loss) for events other than loans are summarized below.

Trading price

Requirements for the occurrence of delayed damages: 1) On the day of receipt or on the day of claim (only one of them can be entered), 2) On the day of delivery

Delayed loss coverage section: From the day after the late day of the day in which the delayed loss requirement is required (one day to receive or claim (which may be entered either) and from the day after the later day of the date of delivery of the goods) Is calculated

Service cost

Requirements for delayed damages

1. If there is no service result

1) Enter the performance rate of 100% and there is a day when the service is completed 2) There is a day to receive or to claim

2. If there is service result

1) Enter 100% of performance rate and there is a day when the service is completed 2) There is a day to receive or claim 3) There is a service result and a day to deliver the service result

Delayed loss coverage section: The delayed loss for service expenses is calculated from the day after the later of the days in which the delayed loss occurs.

Lease deposit

Requirements for delayed damages

1. If there is a rental end date

1) There is a rental end date 2) There is a rental return date

2. If there is no rental end date

1) Notice of the termination of the lease contract 2) There is a day when the lease is returned

Delayed loss coverage section: Delayed loss calculated for the difference between the lease deposit and the unpaid rental fee (= rental lease deposit-unpaid rental fee) from the day after the late day of the day in which the delayed loss is incurred is calculated. The delayed loss for the difference between the unpaid and unpaid rent is calculated)

(※ Precaution when calculating the bill amount: There is an unpaid rental fee, and it is deducted from the lease deposit. Therefore, when calculating the bill amount, you must calculate the delayed loss for the amount of the lease deposit minus the unpaid rental fee and calculate the bill amount by subtracting the received money.)

Investment proceeds

Requirements for the occurrence of delayed damages: 1) There is a day to receive or claim

Delayed loss coverage section: The delayed loss on the investment proceeds is calculated from the day after the date of receipt or the day after the claim is made.

(※ However, if the investment proceeds are agreed to be paid as interest, the amount of the claim will be calculated like the loan amount, but there will be no interest limit under the interest limit method)

Commitment

Requirements for delayed damages

1. If there is no commitment

1) There is a day to choose or to claim

2. If there is a mandatory obligation

1) There is a day to receive or claim 2) There is a day to fulfill the commitment

Delayed loss coverage section: The delayed loss for the contracted amount is calculated from the day following the late day of the day in which the delayed loss is incurred.(If there is no commitment, the delayed loss for the contracted amount is calculated from the day after the date of receipt or the day after the claim is made)

Return of investment

Requirements for the occurrence of delayed damages: 1) There is a notice on the cancellation of the investment contract

Delayed loss coverage section: The delayed loss for the investment is calculated from the day after the notice of cancellation of the investment contract.

In the step 221 of setting a date related to a gold source according to an embodiment of the present invention, information regarding dates for one or more of the date of receipt, the date of claim, the date of borrowing, the date of receipt, and the date of contract is (i) the date of all One or more of the options to be input, (ii) the option to receive only until the month of the month, and (iii) the option to receive the fact that the user does not know may be set by having the user select through the input user interface. However, since the information on the above-mentioned date may be paid according to a plurality of times, the loaned money (loan) and the received money (reimbursement) must be entered according to each turn. If the user does not know the exact date for some rounds, the date setting step 221 may be applied to the user as much as possible (ie, not adversely against the other party (the debtor)) to the extent permitted by law. Is to be done.

If the date setting step 221 is performed when there is an input only until the year and the exact date is not known, a date setting algorithm as shown in Table 10 may be applied.

In setting the borrowed day in the date setting step 221, processing in the case where the user selects that the borrowed day is not known or there is no input of the borrowed day can be performed as shown in Table 11 as follows.

In other words, the treatment method shown in Table 11 can be summarized through Table 12 as follows.

In setting the date to be received in the date setting step 221, it may be necessary to process when the user does not know or has no date to receive. The information of the date of receiving the date processed in the date setting step 221 may be referred to as a variable of another name such as "the date of receiving the correction" so as to be distinguished from the variable value of "date of receiving" entered by the user. Hereinafter, an algorithm for setting the date to be received in the date setting step 221 will be described in detail.

In general, if there is a day you decide to receive from the contract, you will be liable for overdue interest from the day after the day you decide to receive it. do. However, in the case of loans, overdue interest is borne by taking responsibility for the delay in performance after a certain period from the date of request. In other words, in the case of a rental fee, if the day is requested, it is designated as the day (the day you decide to receive the correction), which is two weeks after the date of the request, and in the case of other cases, the day the day you choose to receive the request (the correction is received) Rohan Day). However, in the case of loans, if there is a day immediately before the date of application for payment order, the day to be received (the date to be revised) may exist after the application for payment order. One day +14 days" is designated as the day you decide to receive (the day you decide to receive correction), so that the day you decide to receive (the day you decide to receive correction) exists before the day you apply for it, and if there is a date that you claim within 13 days before the date of application It can be set as no day of the deadline, or it can be set as the day when you decide to receive the requested date (the day you decide to receive the correction) for convenience of calculation.

On the other hand, the day of claim means the day when the other party knows the fact that the payment is requested, so the day after the date of application can be set as the date on which the certified copy of the payment order is delivered to the other party. In this case, since the arrears of the lawsuit for promoting the law is applied, the algorithm can be designed so that only the interest of the lawsuit for the lawsuit is charged and the general delayed interest is not charged when the claim is made.

The above is for processing when the date of claim is known if there is no day to receive or does not know, but if you do not know both the date of receipt and the date of claim, the amount of principal and interest at the time of application is calculated. It may be set as the day (for example, the current date or the date on which the application for payment order is submitted) is scheduled to be received (the date on which the correction is requested).

As a result, in the date setting step 221, the setting of the day to be received (the day to be corrected) may be set as shown in Table 13 below.

Referring back to FIG. 13, according to an embodiment of the present invention, a step 222 of processing a reimbursement of the other party may be performed after the step 221 of setting a date related to the money source. Meanwhile, although not illustrated in FIG. 13, a step of arranging the date order may be further included between the date setting step 221 and the step 222 of processing a reimbursement. This will be described in detail when describing the embodiment related to FIG. 16.

Step 222 of processing the reimbursement is performed after determining whether the other party has a reimbursement (2221), and if there is a reimbursement of the other party, if there is no reimbursement of the other party, the principal balance and The process may proceed to step 223 of calculating the interest balance.

Step (222) of processing the reimbursement of the other party is a step (2222) of performing the first reimbursement processing when there is a reimbursement of the other party whose date of receipt is not specified, and when there is a reimbursement of the other party whose date of receipt is specified It may include a step (2223) of performing a second reimbursement treatment. Here, the step 2222 of performing the primary reimbursement process is to perform reimbursement processing for the principal of the gold source, and the step of performing the secondary reimbursement process 2223 is to perform a conversion process for principal and interest of the gold source. May be

First, the step 2222 of performing the primary reimbursement process will be described in detail. The primary reimbursement process 2222 may be referred to as a preferential reimbursement process or preferential reimbursement process in the sense that it is performed prior to the secondary reimbursement process 2223. The primary reimbursement treatment can be understood as the preferential reimbursement treatment when there is money (priority reimbursement) that does not know the date of receipt. In order to calculate the maximum amount of the user's (creditor's) claim to the maximum extent permitted by law (i.e., in order not to harm the interest of the other party (the debtor)), perform reimbursement in the order of cost, interest, and principal. , If there is money you don't know (priority payment), it is legally permitted to perform repayment in order for money borrowed in order of money borrowed from the earliest to the earliest. It will be said to be the method of calculating the bill amount in the scope. If all reimbursement of Kumwon, which knows the day the loan was made by the money (priority repayment) that does not know the date of receipt, is completed, the loan that does not know the loan date (ie, money that does not generate interest) can be processed to be repaid last. .

To help understand how the primary reimbursement process 2222 is performed, the following exemplary situation presented in Table 14 may be considered.

On the other hand, although not shown in the drawing, the automatic generation method of a legal document according to an embodiment of the present invention, after performing the primary reimbursement process 2222, repays all the money borrowed by the received money that is not known on the day received ( That is, when the borrowed money is no longer left), it may further include the step of ending the calculation and presenting the relevant explanation to the user. For example, the exemplary embodiment presented in Table 15 below can be considered.

The step 2223 of performing the second repayment process is a step of performing repayment processing on principal and interest of the gold source, and may be a step of processing the repayment of the received day. As described above, the calculation of the claim amount should not harm the interests of the other party (the debtor), so the contracted interest or overdue interest (deferred loss) for the loan up to the date of receipt is calculated in the order in which the day was received. After performing repayment with the money received on the day, the remaining balance and interest can be calculated based on the last received day.

For example, the step 2223 of performing the secondary reimbursement process may include (i) calculating interest (eg, contract interest and/or delinquent interest) and (ii) reimbursement processing. The step of calculating interest is a step of calculating interest (contracted interest or delayed interest) incurred on the principal using the accrued principal (eg, the loaned amount) up to the corresponding received date for the reimbursement of knowing the received date. If the reimbursement is paid over a plurality of times, when a plurality of reimbursements are arranged in the order of the day they were received, the reimbursement for the first received day is first performed, and based on the result of the processing Processing of the reimbursement corresponding to the second received day is performed, and processing of the reimbursement corresponding to the subsequent received day may be performed based on the result of the processing. The step of reimbursement processing, which is performed following the step of calculating interest, is reimbursement in the order of interest (contracted interest or delayed interest), principal in the order of money received (reimbursement amount) on the day of receipt, which is the basis for calculating interest (contracted interest or delayed interest). It may be a step of calculating interest balance and principal balance by performing processing.

For convenience of description, consider the exemplary situation of step 2223 of performing secondary reimbursement processing with reference to FIGS. 14 and 15. 14 and 15 show an exemplary situation in which the loan amount was paid over a plurality of times in the loan case (rental day 1 to rental day 3), and the reimbursement amount was paid over multiple times (repayment day 1 to payment day 3). Doing.

As described above, the second reimbursement process is performed on the reimbursement amount (ie, reimbursement amount 1) incurred on reimbursement day 1, and then the reimbursement amount on reimbursement day 2 (ie, reimbursement amount 2) is performed based on the result of the processing. Second reimbursement processing is performed, and then second reimbursement processing for reimbursement (ie, reimbursement 3) incurred on reimbursement day 3 is performed based on the result of the processing.

Of these three steps, we will first look at the process of performing secondary reimbursement treatment for reimbursement day 1. The loans paid on rental day 1 and rental day 2 that occurred prior to the reimbursement date 1 correspond to the loans that accrue interest. Therefore, after calculating interest on loan 1 and interest on loan 2 as accrued interest, reimbursement is processed as reimbursement of the principal and interest paid up to reimbursement date 1 on the reimbursement day 1. The reimbursement process is processed in the order of interest and principal. Interest balance 1 and principal balance 1 can be calculated according to the result of the processing. Interest balance 1 may be calculated according to Equation 1 below, and principal balance 1 may be calculated according to Equation 2 below.

[Equation 1]

Interest balance 1 = interest on loan 1 + interest on loan 2-reimbursement 1 (when interest on loan 1 + interest on loan 2-repayment 1> 0)

Interest balance 1 = 0 (when interest on loan 1 + interest on loan 2-reimbursement 1 ≤ 0

[Equation 2]

Principal balance 1 = Loan 1 + Loan 2 (when interest balance 1> 0)

Principal balance 1 = Loan 1 + Loan 2 + Interest on loan 1 + Interest on loan 2-Reimbursement 1 (when interest balance 1 ≤ 0 and loan 1 + loan 2 + interest on loan 1 + interest on loan 2-repayment 1 > 0)

Principal balance 1 = 0 (when interest balance 1 ≤ 0 and loan 1 + loan 2 + interest on loan 1 + interest on loan 2-reimbursement 1 ≤ 0)

In addition, according to an embodiment of the present invention, the calculation result according to the processing of reimbursement money 1 may be calculated according to Equation 3 below as a reimbursement balance.

[Equation 3]

Reimbursement Balance 1 = Loan 1 + Loan 2 + Interest on Loan 1 + Interest on Loan 2-Reimbursement 1

Usually, the interest balance and principal balance are positive values, but if the reimbursement balance (generated principal + accrued interest-reimbursement amount, which corresponds to the reimbursement balance 1 in the above embodiment) becomes negative (in other words, interest balance and principal balance) If this is not the case), replace the reimbursement balance (e.g., reimbursement balance 1) with a negative sign, and treat it as if it were an unknown reimbursement, and perform the primary reimbursement process 2222. You can proceed further. However, if the reimbursement balance is not negative, the performance of the primary reimbursement process 2222 is unnecessary, and the secondary reimbursement is made for the subsequent reimbursement (eg, subsequent reimbursement such as reimbursement 2 as shown in FIG. 15). The processing 2223 is repeatedly performed. If there is no subsequent reimbursement, the second reimbursement processing step 2223 is terminated and the final billing amount can be calculated based on the calculation result.

An example of processing of the subsequent repayment fee (eg, repayment fee 2) will be described with reference to FIG. 15. As shown in FIG. 15, the principal amount (eg, principal balance 1) of the principal received from the day (eg, reimbursement day 1) that occurred immediately before reimbursement day 2 to the reimbursement day 2 and the day of receipt (eg, reimbursement day 1) that occurred immediately before reimbursement day 2 Calculate the accrued interest up to date of reimbursement 2 using, and set the new interest as the sum of interest balance 1 and current accrued interest. Then, the sum of the previous principal balance (eg principal balance 1) and the current principal amount is set as the new principal. After that, the reimbursement amount 2 can be re-calculated in the order of new interest and new principal, to calculate the interest balance and principal balance again. That is, after setting the interest of the principal balance 1 + the interest of the loan 3 as a new interest, the reimbursement payment 2 is preferentially processed for the new interest, and the remaining principal is repaid.

The interest balance and principal balance (interest balance 2 and principal balance 2) calculated according to the calculation result may be calculated according to Equation 4 and Equation 5 as follows.

[Equation 4]

Interest balance 2 = interest on principal balance 1 + interest on loan 3-reimbursement 2 (when interest on principal balance 1 + interest on loan 3-reimbursement 2> 0)

Interest balance 2 = 0 (when interest in principal balance 1 + interest in loan 3-reimbursement 2 ≤ 0)

[Equation 5]

Principal balance 2 = principal balance 1 + loan 3 (when interest balance 2> 0)

Principal balance 2 = principal balance 1 + loan 3 + interest on principal balance 1 + interest on loan 3-reimbursement 2 (when interest balance 1 ≤ 0 and principal balance 1 + loan 3 + interest on principal balance 1 + interest on loan 3 -Reimbursement 2> 0)

Principal balance 2 = 0 (when interest balance 1 ≤ 0 and principal balance 1 + loan 3 + interest on principal balance 1 + interest on loan 3-reimbursement 2 ≤ 0)

In addition, according to an embodiment of the present invention, the calculation result according to the processing of reimbursement money 2 may be calculated according to Equation 6 below as a reimbursement balance.

[Equation 6]

Reimbursement balance 2 = principal balance 1 + loan 3 + interest on principal balance 1 + interest on loan 3-reimbursement 2

Again, if the reimbursement balance 2 is negative (in other words, if there is no interest balance and principal balance remaining), treat the reimbursement balance 2 as if it were unknown on the date of receipt and process the first reimbursement for it (2222) The step of performing the may be further performed. However, if the reimbursement balance 2 is not negative, the execution of the primary reimbursement process 2222 is unnecessary, and the secondary reimbursement (eg, subsequent reimbursement such as reimbursement 3 as shown in FIG. 15) is secondary. The reimbursement process 2223 is repeatedly performed. If there is no subsequent reimbursement, the second reimbursement processing step 2223 is terminated and the final billing amount can be calculated based on the calculation result.

Since the processing on the reimbursement amount (ie, reimbursement money 3) generated on reimbursement day 3 can be processed in a similar manner to the reimbursement money 2 described above, a detailed description will be omitted.

According to the result of performing the second repayment processing 2223 according to the above method, the principal balance and interest balance may be calculated based on the last received day (223). According to an embodiment of the present invention, the calculated principal balance and interest balance (ie, principal balance and interest balance at the time of the last receipt) can be used to calculate the final billing amount.

In addition, if you do not know the day you received or if you have a reimbursement balance during the second reimbursement process, you will not reimburse all the borrowed money, but change the reimbursement method by changing the reimbursement method in such a way that only the borrowed money that occurs until the next day (reimbursement date) will be repaid. Can be calculated. In this case, the reimbursement balance is accumulated and used in the reimbursement balance that existed in the previous calculation process.

The step 220 of calculating the billing amount described so far with reference to FIGS. 13 to 15 may be further embodied in the exemplary embodiment shown in FIG. 16. The variable used as an example in FIG. 16 can be understood by referring to Table 16 below.

The date setting step related to reimbursement included in the flowchart of FIG. 16 may be understood as a step substantially the same as the date setting step 221 described in detail above.

Subsequent to the reimbursement-related date setting step, the date paid and the money paid are sorted in the order of the date of payment, and the date of receipt and money are sorted in the order of the date of payment. For example, borrowed money and received money can be sorted in the order of the borrowed day and the received day, and the same date, the borrowed day, or the day without the received date can be processed by adding the amount between the same kind. However, the received money that is not known on the day received is added to the preferred repayment for the first reimbursement.

Subsequently, reimbursement processing is performed in order of the first received day. In this case, for the money paid during the period from the day after the received day (i-1) to the received day (i), the paid money_priority payment processing is performed (this is substantially the same as the first repayment processing step 2222 described above). Can be understood as the same step), accrued principal (i) and accrued interest (i) can be calculated.

In the process of paying money_priority payment, the paid money_balance is the difference between the money paid and the preferred payment. However, if this value is negative, the amount of paid money_ balance is set to 0, and the priority payment is set to the difference between the existing priority payment and the money paid.

The accrued interest (i) is calculated by adding the interest of the principal balance (i-1) to the accrued interest (i) generated by the calculated payment.

In the balance_priority payment process, the amount after reimbursement of {occurrence interest (i) + interest balance (i-1)} as a preference payment becomes the interest balance (i), {general principal (i) + principal balance ( i-1)} is the principal balance (i).

The final principal balance and the final interest balance can be calculated using the interest balance and principal balance calculated on the basis of the last received date and the money paid during the period from the day after the last received day to the date of application.

Returning to FIG. 12 again, in the step 230 of presenting the calculation result of the billing amount, the billing amount may be displayed based on the last received day, or the billing amount may be displayed based on the day when the payment order is applied. An exemplary embodiment for displaying the billing amount can refer to the example in Table 17 attached below.

On the other hand, the step 230 of presenting the calculation result of the billing amount performed after the step 220 of calculating the billing amount shown in FIG. 12 is when the user is the first class user, the calculation basis data of the billing amount It may include the step of presenting to the user along with the calculation result of the billing amount, and presenting to the user only the calculation result of the billing amount when the user is a second-class user. For example, a user who uses the automatic generation of a legal document according to the present invention for a fee is classified as a user of the first class, and a user who uses it for free is classified as a user of the second class, and the free user is calculated as a result of billing Although it is possible to calculate only the amount, the basis for calculating the bill amount that may be attached to a legal document (for example, an application for payment order) is provided only to a paid user, so that free users can use the paid service.

According to an embodiment of the present invention, a system including a computing device (for example, a device including a memory and a processor such as a server computer) performing the above-described method for automatically generating legal documents may be provided. For example, the above-described method for automatically generating legal documents may be performed by one or more servers, and from a user's viewpoint, a service provided by such servers may be provided by a client device. In other words, in the method for automatically generating a legal document according to the present invention, a service may be provided online through a network such as the Internet.

Meanwhile, a term referred to as “interest” in connection with various embodiments described above may be understood as a concept including one or more of a contract interest, a delay interest, and a lawsuit interest. Committed interest means interest applied to the payment of loans, and delayed interest (overdue interest) means interest applied to money not paid until the payment due date. If there is no date to be received, and there is only the date of claim, other events other than the loan case will be delayed if the date of the claim is exceeded (deferred interest can be calculated as the day the claim is received). Because you are responsible for delays in performance, you can calculate the delayed interest by assuming the day you claim + 14 days. There is no day to receive or claim, and the delayed interest is not applied, but only the interest of the lawsuit, where the lawsuit interest is the interest applied after the delivery of the litigation copy, the payment order copy, and the special interest rate on the promotion of litigation is the filing date of the present invention. It is currently applied at 15%. However, if the contracted interest rate or the delayed interest rate is higher than the 15% interest rate under the Special Act on Promotion of Litigation, the higher interest rate may be applied to the interest rate. Although not described in detail in this specification, the interest rate, the time of interest, etc. may be different depending on the type of case, and may be modified according to the revision of applicable laws, so that the type of case or the user can use the service according to the present invention. It is natural that it may change based on the time when it is provided, as determined by law.

Meanwhile, an example of a calculation table according to an embodiment of the present invention will be described with reference to FIGS. 17 to 19 and Tables 18 to 20. 17 to 19 correspond to Tables 18 to 20, respectively, and examples provided here are for illustration purposes and interest calculation values are examples only and other arbitrary values may be input. On the other hand, when the principal balance reaches zero at the end, there is no amount to apply for a payment order, so a message to confirm an input error may be delivered to the user. In addition, other cases may be calculated as shown in the following table of commitments for the amount agreed to be received in the contract.

17 and Table 18 are examples of processing when there is a preferential repayment of loan cases (unknown on the day of receipt), and the description of FIG. 17 can be understood with reference to the contents presented in Table 18.

18 and Table 19 are examples of processing when there is no preferential payment among loan cases, and the description of FIG. 18 may be understood with reference to the contents presented in Table 19.

19 and Table 20 are examples of processing of the contract calculation table among other events, and the description of FIG. 19 may be understood by referring to the contents presented in Table 20.

According to an aspect of the present invention, a computer program for performing the above-described embodiments and a computer-readable recording medium including the same can be provided. Such computer-readable recording media may include program instructions, data files, data structures, or the like alone or in combination. Such media or program instructions may be specially designed and configured for application to embodiments of the present invention, or may be known and usable by those skilled in the computer software field. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs, DVDs, and magnetic media such as floptical disks. -A hardware device specially configured to store and execute magneto-optical media, and program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include high-level language codes that can be executed by a computer using an interpreter, etc., as well as machine language codes made by a compiler.

Features, structures, effects, and the like described in the above-described embodiments are included in at least one embodiment of the present invention, and are not necessarily limited to only one embodiment. Furthermore, the features, structures, effects, and the like exemplified in each embodiment may be combined or modified for other embodiments by those skilled in the art to which the present invention pertains. Therefore, it should be construed that the contents of these combinations and modifications are included in the scope of the present invention.

In addition, the above-described embodiments are merely illustrative and do not limit the present invention, and those of ordinary skill in the art to which the present invention pertains do not depart from the essential characteristics of the embodiments without being exemplified above. You will see that modifications and applications are possible. For example, each component specifically shown in the embodiments can be implemented by modification. And differences related to these modifications and applications should be construed as being included in the scope of the invention defined in the appended claims.

Claims (30)

As a method to automatically generate legal documents related to claims for payment of funds,
Receiving input information input by a user through an input user interface;
Automatically generating a claim and a claim cause based on the input information; And
Presenting to the user a legal document containing the claim and the cause of the claim
Including,
The step of automatically generating the billing purpose and the cause of the claim based on the input information includes automatically generating the calculation basis data of the billing amount using the variable value based on the template,
The presenting of the claim and the legal document including the cause of the claim to the user includes presenting to the user a legal document including the basis for calculating the amount of the claim.
How to automatically generate legal documents. According to claim 1,
The input information includes date information related to the gold source
How to automatically generate legal documents. According to claim 2,
The date information includes information regarding one or more of the date of the receipt, the date of the claim, the date of the loan, the date of receipt, and the date of the contract in connection with the fund.
How to automatically generate legal documents. According to claim 2,
The input user interface allows the user to select one or more of the option of receiving all of the date information for the month and month, the option of receiving the date information only by the year, and the option of receiving the fact that the user does not know the date information. doing
How to automatically generate legal documents. According to claim 1,
The input user interface suggests items to be input by the user based on the requirement fact theory.
How to automatically generate legal documents. According to claim 1,
In the input user interface, an item to be input by the user is dynamically added or deleted based on at least a part of the input information input by the user.
How to automatically generate legal documents. According to claim 1,
The input information includes variable values corresponding to a plurality of input item variables
How to automatically generate legal documents. The method of claim 7,
An additional description related to at least some of the plurality of input item variables is presented in the input user interface.
How to automatically generate legal documents. The method of claim 7,
The claim and the claim cause are automatically generated as at least one sentence according to a conditional expression based on the variable values.
How to automatically generate legal documents. The method of claim 9,
The at least one sentence is generated by combining at least one of the predefined template syntax and the variable values.
How to automatically generate legal documents. delete According to claim 1,
The input information includes variable values corresponding to a plurality of input item variables,
The calculation basis data of the billing amount is calculated according to a function based on the variable values and automatically generated
How to automatically generate legal documents. According to claim 1,
The input user interface is configured to separately input required input for claiming the contract amount for each event and input for additional payment of overdue interest when the contract amount for each event is paid late.
How to automatically generate legal documents. A system comprising a computing device for performing a method for automatically generating legal documents according to any one of claims 1 to 10, 12 and 13. As a method to automatically generate legal documents related to claims for payment of funds,
Receiving input information input by a user through an input user interface;
Calculating a bill amount based on the input information; And
Presenting the calculation result of the billing amount to the user
Including,
Presenting the calculation result of the billing amount,
Presenting to the user the calculation basis data of the billing amount automatically generated using a variable value based on a template when the user is a user of the first class, with the calculation result of the billing amount,
And when the user is a user of the second class, presenting only the calculation result of the billing amount to the user.
How to automatically generate legal documents. delete The method of claim 15,
The step of calculating the bill amount based on the input information includes setting a date for one or more of a date of receipt, a date of borrowing, a date of borrowing, a date of receipt, and a date of contract related to the money source.
How to automatically generate legal documents. The method of claim 17,
When the day to be received or the day to be requested is entered only until the year, the end of the month is set as the day to be received or the day to be requested.
How to automatically generate legal documents. The method of claim 17,
If the day to be received or the day to be requested is entered only by the month of the year, if the day to be received or the day to be requested belongs to the same month as the day on which the application was made, the day of the application is set as the day to be received or the day of the claim.
How to automatically generate legal documents. The method of claim 17,
When the borrowed day is input only until the year, the last day of the month is set as the borrowed day.
How to automatically generate legal documents. The method of claim 17,
If the borrowed day is entered only until the month of the year, if the borrowed day belongs to the same month as one of the day you decided to receive, the day you requested, and the day you applied for, Set to the day you lent me
How to automatically generate legal documents. The method of claim 17,
If the received day is entered only until the year, the first day of the month is set as the received day.
How to automatically generate legal documents. The method of claim 17,
If the date of the contract is entered only by the month of the year, the last day of the month is set as the date of the contract.
How to automatically generate legal documents. The method of claim 17,
Setting the date for one or more of the date of the receipt, the date of the claim, the date of the loan, the date of the loan, the date of the receipt, and the date of the contract is an option to receive all the date information for the date and the date, and the date information is received only by the year Is to set the user to select one or more of the options for receiving the fact that the user does not know the information about the option and the date.
How to automatically generate legal documents. The method of claim 17,
The calculating of the bill amount based on the input information further includes processing a counterparty's reimbursement performed after the setting of the date,
The step of processing the other party's reimbursement,
Performing a primary repayment process when there is a reimbursement of the other party for which the received day is not specified;
Comprising the step of performing a second reimbursement process when there is a reimbursement of the other party on the specified day
How to automatically generate legal documents. The method of claim 25,
The step of performing the primary reimbursement process is to perform reimbursement processing for the principal of the gold source,
The step of performing the second reimbursement process is to perform a transfer process for the principal and interest of the gold source.
How to automatically generate legal documents. A system comprising a computing device for performing a method for automatically generating legal documents according to any one of claims 15 and 17 to 26. delete delete delete

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