KR20020076892A - The methode of redemption for loan-interest - Google Patents

Abstract

PURPOSE: A method for offsetting an interest of loaned money is provided to reduce a load caused by an offset of an interest by applying mileage benefit to an offset of an interest on a loan and setting-up an offset plan with respect to the interest rationally when a lending is requested. CONSTITUTION: A user connected to a main server is authenticated in accordance with a predetermined procedure of a member information DB(S1). The user requests a loan service to a loan managing DB(S2). A credit rating of the user is inquired for checking a suitability of the request(S3). If the suitability of the request is fine, an interest amount is calculated according to an interest rate of the loan, and an information receipt is requested from an information supplying DB based on the interest amount(S4). Information being supplied in the information supplying DB is received. If the user participates in a specific event, a predetermined mileage is embodied to the user(S5). The obtained mileage is converted into money in a mileage accumulating DB and accumulated(S6). The interest amount is curtailed by the accumulated money(S8).

Description

The methode of redemption for loan-interest}

In the loan interest offset method using the Internet, a member authentication step of authenticating a member to a user connected to the main server according to a predetermined procedure of the member information DB, and after the verification of the existing loan or new contract to the loan management DB Loan service application step describing the loan service to be made, credit inquiry inquiry step to confirm the adequacy of the loan service application listed in the loan management DB after the loan service application, and the preferred inquiry result, the loan amount will be increased according to the loan interest rate. The mileage application step of applying for information reception to the information providing DB with reference to the calculated interest amount, and receiving the information provided by the information providing DB according to the mileage application and participating in a specific event, a predetermined mileage corresponding to each Earned by the monetization stage granted and received by receiving information and attending events accordingly The mileage accumulation stage in which the mileage is converted into an amount in the mileage accumulation DB, and the profit generation sustained determination stage comparing the amount accumulated in the mileage accumulation DB and the calculated interest after the end of the contract period and asking whether to continue receiving information In addition, the present invention relates to a method of offsetting a loan interest having an interest reduction step of reducing the calculated interest by the amount accumulated in the mileage reserve DB when it is confirmed that the profit generation continues to be stopped.

In addition to the actual purchasing market, and online, based on the Internet, in order to induce interest in purchasing and to secure the marketability of corporate sales, mileage is given according to the specific performance of the consumer, and the accumulated mileage is provided with a certain amount of financial / material benefits to the consumer. The return scheme is often used, and this selling technique is called mileage accrual.

This is prominent in the use of credit cards, since the credit card payment method is a computerized processing method based on personal credit, so it is possible to accumulate mileage accurately and simply. In the credit society like Hyundai, the use of credit cards is increasing not only because of its convenience but also because of the additional benefits of additional mileage.

However, credit card mileage credit is a post-pay system based on the credit card user's purchase performance, and can be used after the cumulative mileage is confirmed.

As a result, when using a credit card, it is difficult to apply mileage at the right place, and mileage below a certain value does not perform any value action.

The present invention has been presented to solve the above problems, the mileage benefit can be applied to the loan interest offset and the loan offset plan for the loan interest can be reasonably established at the time of loan application to minimize the burden on interest offset The purpose is to provide a method of offsetting interest.

Another object of the present invention is to receive the mileage accrual method through the user's server connection or to receive information through e-mail and mobile phone text service, and to participate in a specific event, and to select the contents of the information according to the user's preferences and hobbies. It is to provide loan interest and method of offsetting to the information category of contents.

1 is a schematic diagram of a main server system according to the present invention.

2 is an explanatory diagram for explaining a loan interest offset method according to a specific embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

1: Main Server 10: Member Information DB

20: loan management DB 30: information provision DB

40: Mileage Credit DB

In the loan interest offset method using the Internet, a member authentication step of authenticating a member to a user connected to the main server according to a predetermined procedure of the member information DB, and after the verification of the existing loan or new contract to the loan management DB Loan service application step describing the loan service to be made, credit inquiry inquiry step to confirm the adequacy of the loan service application listed in the loan management DB after loan service application, and after the desired inquiry result, interest amount is increased according to the loan interest rate by the loan management DB. The mileage application step of applying for information reception to the information providing DB with reference to the calculated interest amount, and receiving the information provided by the information providing DB according to the mileage application and participating in a specific event, a predetermined mileage corresponding to each Earned by the monetization stage granted and received by receiving information and attending events accordingly A mileage accumulation stage, in which a mileage is converted into an amount in a mileage reserve DB, and a profit generation continuation judgment step comparing the amount accumulated in the mileage reserve DB and the calculated interest amount after the end of the contract period and asking whether to continue receiving information And, if it is confirmed that the continued generation of revenue generation, provides a method of offsetting the loan interest with an interest reduction step to reduce the calculated interest by the amount accumulated in the mileage credit DB.

Hereinafter, with reference to the accompanying drawings with respect to the configuration and operation of the embodiment according to the present invention.

1 is a schematic diagram of a main server system according to the present invention.

The main server (1) system constituting the present invention is a member information DB (10) that stores member registration and registration member's personal information, and the details of the user's existing loans and new loans are described and the interest rate of the loan Loan management DB (20) for calculating and providing the interest according to the contents, ads classified into a plurality of categories by content and specific events are registered, providing information to provide advertisements and specific events to users and to give a predetermined mileage DB 30 and the mileage credit DB 40 for converting the mileage obtained by the user in the amount of money.

In particular, the information providing DB 30 is divided into a plurality of categories and the content of a specific event is registered so that the user can selectively select according to their preferences and hobbies.

2 is an explanatory diagram for explaining a loan interest offset method according to a specific embodiment of the present invention.

Through the terminal connected to the Internet, the user accesses online and goes through a member authentication process from the member information DB 10 of the main server 1 (member authentication step: S1).

The user authenticated the user writes the loan service to be used in the loan management DB (20). (Loan service application step: S2). This process is largely divided into two categories of users. If you are an existing borrower, you should write out what is currently in progress. At this time, basic information for loan confirmation such as loan company, loan amount, contract period and interest rate is required.

A new user who wants a loan writes a condition to receive a loan, and the condition items are general loan conditions, that is, selection of a loan affiliate, loan amount, loan period, loan rate, loan offset method, and the like.

After the loan service application, a credit inquiry is made to confirm the adequacy of the loan service application described in the loan management DB 20 (credit inquiry step: S3). In the case of existing loans, the progress of loans is inquired, and in the case of new loans, new loans are inquired considering the user's credit and the ability to offset loans according to the regulations of each lender.

In particular, this step is to open a limited loan condition of new loan applicants in the loan management DB (20) and to allow loan affiliates to search for the loan conditions of the new loan applicants so as to connect with new loan applicants who meet the conditions. Is also applied.

According to the preferred result of the credit inquiry inquiry, the loan management DB 20 calculates the interest amount according to the loan interest rate of the corresponding user and provides it to the user.

With reference to the calculated interest amount, the user applies for information reception from the information provision DB 30 (mileage application step: S4). This process is to allow the user to receive a certain amount of information and to acquire a predetermined mileage by performing a specific task such as participating in an event according to the content thereof, thereby reducing the calculated interest amount.

The category of the information received by the user is selectively selected by the user according to the user's hobbies and preferences, and the number and the number of receivers of the received information are also determined.

On the other hand, regardless of the financial loan case, the user who accesses the server 1 is directed to the present process, and only the mileage can be obtained by receiving the information.

In addition, the information providing DB 30 also provides an example of the application of the mileage according to the interest amount of the loan of the user, that is, the information of how much mileage can be obtained by receiving how much information, thereby reducing the interest To provide.

Upon receiving the information provided by the information providing DB 30 according to the mileage application and participating in a specific event, a predetermined mileage corresponding to each is given (profit generation step: S5). The mileage may be obtained by receiving specific information requested by the user through an e-mail, a mobile phone text service (SMS), or the like, or by the user directly accessing the server 1 and obtaining a predetermined task and attending the event accordingly.

Event types include receiving advertisement mails of categories requested by users, clicking on banner advertisements, polling, and signing up for a specific site.The mileage can be obtained by earning mileage by purchasing on e-commerce and converting other mileage. The acquisition range can be expanded.

The mileage obtained by receiving the information and attending the event accordingly is accumulated in the amount of money in the mileage credit DB 40 (mileage credit stage: S6).

After the end of the contracted period, the amount accumulated in the mileage credit DB 40 is compared with the calculated interest amount and asks whether information reception is to be continued (profit generation sustaining determination step: S7). If it is confirmed in the process to continue, return to the mileage application step (S4) to continue to generate revenue.

If the continuation is stopped, the calculated interest is reduced to the amount accumulated in the mileage credit DB 40 (interest reduction step: S7). If the accumulated amount exceeds the calculated interest amount, the excess generated amount is continuously accumulated in the mileage reserve DB 40 and can be used as a benefit for other purposes. Other uses of the reserve amount may be, for example, a shipment of goods and a financial deduction.

The present invention described above is not limited to the above-described embodiment and the accompanying drawings, and various substitutions, conversions, and modifications are possible within the scope without departing from the technical spirit of the present invention. It will be obvious to those who have knowledge.

As can be seen from the above description, the present invention can apply the mileage benefit to the lending interest offset and establish a offset plan for loan interest at the time of loan application, thereby minimizing the burden on interest offset. have.

Another object of the present invention is to receive the mileage accrual method through the user's server connection or to receive information through e-mail and mobile phone text service, and to participate in a specific event, and to select the contents of the information according to the user's preferences and hobbies. It is to provide loan interest and method of offsetting to the information category of contents.

In addition, the present invention can offset the loan interest by receiving information of the selected content and participating in the event according to the preferences and hobbies of the user can enable the acquisition of information in the field of interest and easy offsetting interest.

In addition, since the target advertisement is naturally made to the individual user by the present invention, there is an advantage that the advertiser can maximize the promotion and advertising effect of their products.

Claims (4)

In the loan interest offset method using the Internet, Member authentication step (S1) for authenticating the user to the user connected to the main server 1 in accordance with the predetermined procedure of the member information DB (10), Loan service application step (S2) to write a loan service to the existing loan or a new contract in the loan management DB (20) after the verification, and After the loan service application, the credit inquiry inquiry step (S3) to confirm the adequacy of the loan service application described in the loan management DB (20), After the preferred inquiry result, the loan amount is calculated by the loan management DB 20 according to the loan interest rate and the mileage application step (S4) for applying for information reception from the information providing DB 30 with reference to the calculated interest amount; Receiving information provided by the information providing DB 30 in accordance with the mileage application and participating in a specific event revenue generation step (S5) is given a predetermined mileage corresponding to each, and The mileage accumulation step (S6) is calculated by converting the mileage obtained by receiving the information and the event participation according to the amount in the mileage credit DB (40), Including the interest reduction step (S8) of reducing the calculated interest with the amount accumulated in the mileage credit DB 40, if it is confirmed that the revenue generation continued suspension, A loan interest offset method characterized by minimizing the burden on interest offsetting by applying mileage benefits to loan interest offset and reasonably establishing an offset plan for loan interest. The method according to claim 1, further comprising a revenue generation sustaining determination step (S7) comparing the amount accumulated in the mileage credit DB 40 after the end of the contracted period and the calculated interest amount and asking whether information reception is to be continued. A loan interest offset method. According to claim 2, the sustained generation step of determining (S7), even if the accumulated mileage amount exceeds the calculated interest amount, if the information reception is confirmed, continue to accumulate the excess amount in the mileage credit DB (40) A loan interest offset method that includes making a loan. According to claim 1, wherein the revenue generating step (S5), the user receives the information directly connected to the server (1) or transmits via an e-mail and a mobile phone text service (SMS), the user of his own preferences Lending and offsetting method comprising transmitting advertising and event information of the category selected according to the hobbies and hobbies.