KR20030005091A - System for lending and settlement by using a portable terminal - Google Patents

Abstract

PURPOSE: A loan and settlement system using a portable terminal is provided to search a limit of a loan to apply for the loan, and to recognize a loan amount decided through credit rating, then to demand the loan amount to be included in a charge of the portable terminal. CONSTITUTION: A mobile communication service user(101) selects menus to transmit and transact information of the user using a portable terminal, recognizes an object of transaction such as a loan, and pays the loan. An operator server(103) records and transmits the information of the user or the portable terminal received from the mobile communication service user(101), receives information from a credit rating company(105) such as description of bad transactions, and requests the receipts of money decided by the credit rating company(105) and the mobile communication service user(101). A mobile communication service provider(102) compares the information transmitted from the operator server(103) with own information to identify the user, and transmits internal information such as monthly phone bills, status of arrears and a payment method to the credit rating company(105). And the credit rating company(105) calculates a loan limit using the information of the user from the mobile communication service provider(102), and generates information of the loan applicant such as description of credit transactions and bad credit transactions using user information such as a resident registration number and a name from the operator server(103), to decide the approval and conditions of the loan such as an available loan amount, a loan period and an interest rate for transmission to the mobile communication service provider(102).

Description

Loan and payment system using portable terminal {System for lending and settlement by using a portable terminal}

The present invention relates to a loan and settlement using a portable terminal, and in particular, a portable terminal for notifying a loan application and acceptance using a mobile phone or a PDA and including the loan amount in a usage fee of the portable terminal. It relates to a loan and settlement system used.

More specifically, in the present invention, a mobile communication user who selects a menu for transmitting and trading a user's information using a portable terminal and decides whether to approve a loan, and pays a loan; Record and transmit the information of the user and the portable terminal received from the mobile communication user, receiving information such as bad transaction history generated by the credit information company and request to deposit the amount determined by the credit information company and mobile communication user A service provider server; A mobile communication service provider that checks his / her identity by comparing the information transmitted from the operator server with the information he has and transmits information such as monthly phone charges, overdue status, payment method, etc. to a credit information company; The loan limit amount is calculated by using information such as monthly phone charge, delinquency status, and payment method of the mobile phone user generated by the mobile communication service provider, and using information such as user's resident number and name received from the operator server. A credit information company that generates information such as bad transaction history and credit transaction history of a loan applicant, and determines conditions of loan approval, loanable amount, loan period, interest rate, etc. and transmits them to the mobile communication service provider; It consists of, the process of applying for a loan using a portable terminal; Recording the information received by the operator server and transmitting the same to the connected device; Calculating the lending limit by the credit information company and the verification and information generation by the mobile communication service provider using the information received from the operator server; Creating a user information in a credit information company and transmitting it to an operator server; Transmitting the verification results from the storage and credit information company to the operator; Confirming, by the mobile communication provider, the transmitted result; Acknowledging and transmitting credit rating information transmitted by the mobile communication service provider; Executing a loan when the user accepts the loan; Storing a loan execution notice and a deposit record to a user; It relates to a loan and payment system using a portable terminal that proceeds to the process of recovering the loan, including the user's mobile terminal charges.

Hereinafter, the prior art will be described.

The use of mobile phones has become commonplace these days due to the activation of the use of mobile phones.

Therefore, various services using the mobile phone are implemented, and one of them is using a mobile phone such as telebanking and remittance.

However, among the services using the conventional portable terminal, the loan limit is searched using a mobile phone, the loan is applied within the limit, and the loan amount determined through credit evaluation or the like is accepted. Thereafter, the loan amount could not be included in the mobile phone fee.

Therefore, in the present invention, to solve the above problems, by using the mobile phone to search the loan limit, apply for a loan within the limit, accept the loan amount determined through credit rating, etc., and then the loan We propose a system that allows you to bill an amount by including it in your mobile phone usage fee.

1 is a block diagram showing a loan and a payment method using a portable terminal of the present invention

Figure 2 is a simplified flowchart of the loan and payment method using a portable terminal of the present invention.

3 is a flow chart showing a loan and payment method using a portable terminal of the present invention.

Loan and payment system using a portable terminal of the present invention, a mobile communication user to select a menu for transmitting and trading the user's information using the portable terminal and determine whether the loan is subject to the transaction, and to pay the loan; Record and transmit the information of the user and the portable terminal received from the mobile communication user, receiving information such as bad transaction history generated by the credit information company and request to deposit the amount determined by the credit information company and mobile communication user A service provider server; A mobile communication service provider that checks his / her identity by comparing the information transmitted from the operator server with the information he has and transmits information such as monthly phone charges, overdue status, payment method, etc. to a credit information company; The loan limit amount is calculated by using information such as monthly phone charge, delinquency status, and payment method of the mobile phone user generated by the mobile communication service provider, and using information such as user's resident number and name received from the operator server. A credit information company that generates information such as bad transaction history and credit transaction history of a loan applicant, and determines conditions of loan approval, loanable amount, loan period, interest rate, etc. and transmits them to the mobile communication service provider; Characterized in that it comprises a.

The present invention also provides a process for applying for a loan using a portable terminal; Recording the information received by the operator server and transmitting the same to the connected device; Calculating the lending limit by the credit information company and the verification and information generation by the mobile communication service provider using the information received from the operator server; Creating a user information in a credit information company and transmitting it to an operator server; Transmitting the verification results from the storage and credit information company to the operator; Confirming, by the mobile communication provider, the transmitted result; Acknowledging and transmitting credit rating information transmitted by the mobile communication service provider; Executing a loan when the user accepts the loan; Storing a loan execution notice and a deposit record to a user; And recovering the loan including the user's mobile terminal fee.

Other objects and features of the present invention will become apparent from the detailed description of the embodiments with reference to the accompanying drawings.

Hereinafter, a loan and payment system using a portable terminal according to the present invention will be described with reference to the accompanying drawings.

1 is a block diagram showing a loan and a payment method using a portable terminal of the present invention.

A mobile communication user 101 which selects a menu for transmitting and transacting user information using a portable terminal (cell phone, PDA, etc.) and decides whether to approve the loan, and pays the loan; Record and transmit the information of the user and the portable terminal received from the mobile communication user, receiving information such as bad transaction history generated by the credit information company and request to deposit the amount determined by the credit information company and mobile communication user A business server 103; Compared with the information transmitted from the operator server and the information he has to verify his identity and the mobile phone provider 102 to transmit information such as monthly stored phone charges, overdue status, payment method, etc. to the credit information company; ; The loan limit amount is calculated by using information such as monthly phone charge, delinquency status, and payment method of the mobile phone user generated by the mobile communication service provider, and using information such as user's resident number and name received from the operator server. It includes a credit information company 105 for generating information such as bad transaction history, credit transaction history of the loan applicant, and determine the conditions of loan approval, loanable amount, loan period, interest rate, etc. and transmits it to the mobile communication service provider. .

Operation between the components of FIG. 1 will be described together with reference to FIGS. 2 and 3.

2 is a simplified flowchart illustrating a loan and a payment method using a portable terminal of the present invention.

As shown in the figure, a user of the portable terminal 101 applies for a loan using a personal mobile communication device such as a portable warfare and a PDA. (Step 201).

The mobile communication service provider (company) 102 checks whether the user is using his or her personal information. (Step 202).

Loan limit calculation and loan terms are determined by using personal information of affiliates such as credit information companies. (Step 203).

The loan is applied according to the user's application / approval within the loan calculation limit. (Step 204).

Reimbursement of the loaned amount is charged in addition to the usage fee of the mobile communication user. (Step 205).

3 is a flowchart illustrating a loan and a payment method using a portable terminal of the present invention.

FIG. 3 illustrates the loan and settlement method using the portable terminal in each step.

First, each step will be described.

Applying for a loan using a portable terminal, recording the information received by the operator server and transmitting to the connected device, verification and information generation by the mobile operator using the information received from the operator server And calculating the loan limit by the credit information company, generating the user information from the credit information company, and transmitting the user information to the operator server, and storing the verification information from the credit information company and transmitting the verification result to the operator. Confirming, by the mobile service provider, the user's approval and transmission of credit rating information transmitted by the mobile communication service provider; The user executes the loan upon acceptance of the loan, saves the loan execution notice and the deposit record to the user, recovers the loan including the user's mobile terminal fee, and collects separately when the deposit is delayed for a certain period of time. Proceeding with; proceeds.

3 will be described in detail below.

In the loan application process, a user accesses a mobile communication service provider through a mobile Internet service using a portable terminal. (Step 301).

Select the loan limit inquiry menu through the mobile communication screen of the contents in the operator server, and enter the social security number, mobile phone password, etc. to check whether the mobile communication user and / or loan applicant. (Step 302).

When the user inputs a confirmation button for the input information, the input information is transmitted to the operator server. (Step 303).

The process of recording the information received by the operator server and transmitting it to the connected device, the customer's mobile phone number, mobile communication terminal unique number, resident registration number, mobile phone password (operation deletion after the transaction is completed) to the operator server D / B User information such as), application date and time and management number are recorded. (Step 304).

The information recorded on the D / B is transmitted to the mobile communication service provider 102 and the credit information company 105 (step 305), and the data transmission history is recorded on the D / B and the file transfer result is confirmed.

The process of verifying the information generated by the mobile communication service provider and calculating the loan limit by the credit information company using the information received from the operator server, the mobile communication service provider separately prepares the files received from the operator D. It records in / B and compares the received user information, such as the received mobile phone number, social security number, terminal unique number and the user information that is input in advance to check the identity. (Step 306).

Member of D / B information of mobile communication service provider, monthly telephone bill amount and monthly delinquency status and payment method (bank debit, credit card debit, giro payment, etc.), direct debit bank and account number, credit card Type and credit card number information are stored in a separate D / B. (Step 307).

The information stored in the separate D / B is transmitted to the loan limit calculation system of the credit information company through the operator. (Step 308).

The calculated loanable plating amount is stored in the D / B and the file is generated along with the customer information stored in the separate D / B to be transmitted to the operator server (step 309) and the transmission result is confirmed.

The process of generating the user information in the credit information company to the operator server, storing the information received from the operator in a separate D / B and using the user's social security number and name of the user at least one or more Creates a file about the loan applicant's personal information including bad transaction history, long-term delinquent transaction history, credit transaction history, inquiry transaction history, loan information inquiry, financial institution transaction history, credit score, etc., and sends it to the operator server. . (Step 310).

The process of storing and transmitting the verification result and the verification result from the credit information company to the operator includes the separate customer information transmitted by the mobile communication service provider, the loanable amount amount transmitted by the credit information company, the bad transaction history, and the credit score. Create and save a file for separate D / B and send it to Credit Information Company's Credit Scoring System (CSS). (Step 311).

After calculating the score in the CSS system and sending it to the loan approval system, the loan amount, period, and interest rate are calculated and transmitted to the management DB. (Step 312).

That is, through the operator to check the transfer result and the transferable amount, period and interest rate of loan approval to the mobile carrier.

The mobile communication service provider confirms that the mobile service provider received from the operating service provider stores the received customer loan approved amount in D / B and transmits the loanable amount to the customer through the customer mobile internet service or SMS. Record the transmitted details on D / B. (Step 313).

The user approves and transmits the credit rating information transmitted by the mobile communication provider, and the user confirms / determines / applies the loanable amount received by the mobile Internet service or SMS (step 314). When entering the loan application confirmation button, the mobile phone unique number is transmitted to the operator server through the mobile operator. (Step 315) ..

In the process of executing the loan when the user accepts the loan, the loan application amount and the user's unique number transmitted to the operator server are stored in the D / B as the management number index and the application is transmitted to the loan execution server of the bank. . (Step 316).

The loan execution server stores loan information, that is, loan amount, repayment period, repayment method, interest rate, loan payment account information, etc., deposits the loan into the user's bank account, and transmits the loan execution history through the operator server. Check the transmission result. (Step 317).

In the process of storing the loan execution notice and the deposit record to the user, the mobile communication provider server notifies the loan execution history record and the user to complete the loan execution. (Step 318).

Later, after depositing the deposit records in the customer's bank account, the details are saved. (Step 319).

The process of recovering the loan, including the user's mobile terminal fee, is to write and record the due date D / B for each execution of the loan in the operator's server after executing the loan (step 320) and before the due date of the collected information is collected. The mobile communication service provider notifies the mobile operator of the recovery schedule (step 321), and the mobile communication service provider charges a loan on the bill of use of the mobile terminal of each user. (Step 322).

The mobile service provider notifies the operator whether or not to deposit the requested amount (step 323), and the operator records the deposit in D / B for each user (step 324), and separately collects when the deposit is delayed for a certain time. Undertake. (Step 325).

As described above, the present invention relates to a loan and settlement system using a portable terminal, in which a loan application is notified and acceptance is acknowledged by using a mobile phone or a PDA, and the billing amount is included in the usage fee of the portable terminal. will be.

Although the preferred embodiment of the present invention has been described above, the present invention may use various changes, modifications, and equivalents. It is clear that the present invention can be applied in the same manner by appropriately modifying the above embodiments.

Accordingly, the above description does not limit the scope of the invention as defined by the limitations of the following claims.

According to the present invention, the loan limit can be inquired using a mobile phone, and a loan can be applied / accepted for the limited amount, and the loaned amount is charged to the user's fee for use of the mobile phone user so that the loan and It may be easy to recover.

Claims (14)

And using the portable terminal for transmitting the user authorization information, the target to be selected and the transaction menu for the transaction (if the loan approval), the mobile user to pay the loan and; Record and transmit the information of the user and the portable terminal received from the mobile communication user, receiving information (bad transaction details, etc.) generated by the credit information company and requesting the deposit of the amount determined by the credit information company and the mobile communication user An operator server ; A mobile communication service provider that checks whether the user is compared with the information transmitted from the operator server and the information he has and transmits his / her stored information (monthly charge, overdue status, payment method, etc.) to a credit information company; The loan limit amount is calculated by using the mobile phone user's information (monthly telephone bill, overdue status, payment method, etc.) generated by the mobile communication provider, and the user information (resident number, name, etc.) received from the operator server is calculated. A credit information company for generating loan applicant information (defective transaction details, credit transaction details, etc.) to determine whether to approve loans and conditions (loan amount, loan period, interest rate, etc.) and transmit them to the mobile communication service provider; Loan and payment system using a portable terminal comprising a. Applying for a loan using a portable terminal; Checking whether the user is using information received from the operator server and personal information held by the mobile communication company; Determining a loan limit and a loan condition using information of the credit information company and the received information; Executing a loan; Loaning and paying the loan to the user fee of the portable terminal; Loan and settlement method using a portable terminal comprising a. A first step of applying for a loan using a portable terminal; A second step of recording the information received by the operator server and transmitting it to the connected device; A third step of calculating and verifying a loan limit by a credit information company by verification and information generation by a mobile communication service provider using information received from the operator server; A fourth step of generating user information from the credit information company and transmitting the generated user information to the operator server; A fifth step of transmitting the verification result of the storage and credit information company to the operator; A sixth step of confirming by the mobile communication provider about the transmitted result; A seventh process of allowing a user to approve and transmit credit evaluation information transmitted by the mobile communication service provider; An eighth step of executing a loan when the user accepts the loan; A ninth step of storing a loan execution notice and a deposit record to a user; And a tenth step of recovering the loan including the fee of the mobile terminal of the user. The method of claim 3, wherein the loan application process is Accessing a mobile communication provider using a portable terminal; Selecting a menu to trade and inputting user information to apply for a loan; And transmitting the inputted information to an operator's server. The process of claim 3, wherein the recording of the information received by the operator server and transmitting to the connected device comprises: Recording at least user information, an application date and a management number on the operator server D / B; And transmitting the information recorded in the D / B to a mobile communication service provider and a credit information company. 4. The process of claim 3, wherein the process of verifying and generating information by a mobile communication service provider and calculating a loan limit by a credit information company using information received from an operator server, Checking, by the mobile telecommunications provider, the identity of the user by comparing the received user information with previously input user information; Storing at least a telephone bill, a delinquency status, and a method of paying bills among the customer information D / B information of the mobile communication provider in a separate D / B; Transmitting the information stored in the separate D / B to a loan limit calculation system of a credit information company through an operator; And storing the loanable plating amount in a D / B and generating a file together with the customer information stored in the separate D / B and transmitting the file to an operator's server. The process of claim 3, wherein the credit information company generates user information and transmits the user information to the operator server. Storing the information received from the operator in a separate D / B; Loaning and payment method using a portable terminal comprising a; generating a file about the information containing the user's bad transaction history using at least the input of the user's social security number and name; . The process of claim 3, wherein the process of transmitting the verification result and the verification result at the storage and credit information company to the operator, Generates files for separate customer information sent by mobile communication service provider, loanable amount sent by credit information company, bad transaction history and credit score, stored in separate D / B and transmitted to CSS system of credit information company Steps; Calculating the at least one loanable amount, period, and interest rate by transmitting the credit to the loan approval system after calculating the score in the CSS system, and transmitting the calculated value to the mobile communication provider through a storage and operation operator server; Loan and payment method. The method of claim 3, wherein the process of the mobile communication service provider confirms: The mobile communication provider stores the transmitted information and transmits the loanable amount to the user by using a transfer means. The method of claim 3, wherein the user approves and transmits the credit rating information transmitted by the mobile service provider. Checking / determining / applying the loanable amount of money received by the user; When the user inputs the loan application confirmation button, the mobile phone number is transmitted to the operator server through the mobile service provider: loan and payment method using a portable terminal, characterized in that it comprises a. The process of claim 3, wherein the user executes the loan upon acceptance of the loan. Storing the transmitted loan application amount and the user's unique number and transmitting the loan application amount to the bank's loan execution server; Loan execution server stores the information on the loan and deposit the loan to the user's bank account, and transmitting the loan execution history through the operator server; Loan and settlement method using a portable terminal characterized in that it comprises a. The process of claim 3, wherein the storing of the loan execution notice and the deposit record to the user comprises: Notifying the user of the completion of the loan execution and the loan execution history to the mobile service provider server; Loaning and payment method using a portable terminal, characterized in that it comprises the step of storing the details after the deposit records Scrapping in the customer bank account. The method of claim 3, wherein the process of recovering the loan, including the user's mobile terminal fee, Creating a due date D / B for each loan execution in the operator server; Notifying the mobile telecommunication service provider of the scheduled recovery details according to the recovery date of the created information; The mobile telecommunications provider charges a loan to the bill of use of the portable terminal of each user; Notifying, by the mobile telecommunications operator, whether or not to deposit the billed amount; The operator records the payment in D / B for each user; loan and payment method using a portable terminal, characterized in that it comprises a. 15. The method of claim 13, further comprising the step of undertaking a separate recovery measure when the deposit is delayed for a predetermined time.