KR20030012190A - Method and System for Providing Installment Payments over the Internet - Google Patents

Abstract

PURPOSE: A method and a system for providing an allotment financial service through the Internet are provided to make an individual fast and conveniently use the allotment finance and to improve a business of a cooperating shop and an allotment financial company effectively. CONSTITUTION: An allotment financial service server(210) includes a customer subscription processing module(212) and a contract document processing module(214). If a customer transmits the information necessary for a request of an allotment finance pass by using a customer client(240) or a cooperating shop client(250), the customer subscription processing module(212) manages the information and performs a job judging the customer's credit and use limit. The contract document processing module(214) receives and processes the customer limit amount confirmation and a download request of a contract document from the cooperating shop client(250). The allotment financial service server(210) includes a customer information database(220) for storing and managing the customer information and a cooperating shop database(230) for storing and managing the cooperating shop information.

Description

Method and System for Provisioning Installment Payments over the Internet}

The present invention relates to a method and a system for providing an installment financing service, and more particularly, to a method and a system for providing an installment financing service by simplifying an installment financing procedure of a customer through the Internet.

"Far installment financing" means a financial instrument in which an installment financing company lends out all necessary funds in accordance with an individual's credit in the event that it is difficult for an individual to purchase a product on a lump sum payment, and the individual pays the debt in installments over a period of time. Installment financing allows individuals to purchase essential necessities and repay them over long periods even if they do not have a credit card or money, and manufacturers and sellers can not only promote product sales, but also collect cash directly from product sales. This is very useful for both individuals, manufacturers and sellers in that the payback burden of the credit sales is eliminated and the financing is easy.

FIG. 1 schematically illustrates a flow of a typical installment financing service. When the installment agreement is concluded between the installment financing company and the manufacturer who manufactures the product, the individual purchases the product produced by the installment financing company and the manufacturer that has the installment agreement. Installment financing services are available.

If an individual lacks money when purchasing a product from an affiliated store, an individual may apply for an installment (101). When an individual applies for an installment, the affiliated store asks the installment financial company to check the creditworthiness of the customer (102). The installment financing company checks the creditworthiness of the individual by using an external credit institution using the individual's social security number or uses its own credit check system and notifies the affiliated store the limit of the loan amount (103). If the price of the product the individual intends to purchase does not exceed the loan limit, the individual will formally form an installment agreement provided at an affiliate store to purchase the product (104). The installment agreement is intended to include detailed information about the client's job, assets, guarantor, etc., so that the individual's credit rating can be more accurately determined. An individual installment agreement will be sent to the installment financing company at an affiliated store (105). Individuals must wait for the installment financing company to formally approve their installment agreements, which typically takes three days to ten days. The installment financing company will check the credit status of the individual once again using the personal information provided in the installment agreement of the individual sent from the affiliated store and finally loan the product to the affiliated store if it is determined that the credit status of the individual is good. On the other hand, if it is determined that the individual's credit status is not satisfactory, the use of the installment financial service is notified to the individual and the affiliated store (106). As a result of this, it will be difficult for an individual to purchase a desired product from an affiliated store.

As described above, according to the current process of installment financing service, which is widely used, an individual has an inconvenience of having to write a complex installment financing agreement every time he wants to use an installment financing service to purchase a product. On average, it takes a long time to complete a service providing task. In addition, on the part of the installment financing company, the service provision work takes a long time, so that the credit rating at the time of applying for the first installment of the customer and the credit rating after receiving the installment agreement may be different. There is a disadvantage that the processing of business is inefficient because two credit checks such as credit check should be performed after the agreement is received.

Accordingly, an object of the present invention is to provide an installment financing service by overcoming the disadvantages of the conventional installment financing service to enable an individual to use installment financing quickly and efficiently and improve work of an affiliated store and an installment financing company. And to provide a system that implements this.

1 is a flowchart illustrating a typical installment financing service.

2 is a network configuration diagram of an installment finance server and a customer / affiliate client for providing an installment finance service according to a preferred embodiment of the present invention.

3 is a block diagram of a customer database according to a preferred embodiment of the present invention.

4 is a block diagram of an affiliated database according to a preferred embodiment of the present invention.

5 is a schematic business process of a customer, an affiliated point and an installment financing server in accordance with a preferred embodiment of the present invention.

6 is a flowchart of a customer registration process according to a preferred embodiment of the present invention.

7 is a flow diagram of an agreement processing process according to a preferred embodiment of the present invention.

8 is a diagram illustrating one embodiment of a limit approval application screen for requesting confirmation of a customer's usage amount and receiving a result at an affiliated store according to a preferred embodiment of the present invention.

9 is a diagram showing an example of an installment agreement screen provided to an affiliated client according to a preferred embodiment of the present invention.

According to an aspect of the present invention, a method of providing an installment financing service to a customer through the Internet includes receiving and storing customer information necessary for subscribing to the installment financing service from the customer through the Internet, and entitlement to the installment financing service of the customer. Determining the creditworthiness of the customer based on the stored customer information to determine whether or not, and determines the amount used based on the stored customer information for the customer determined to be eligible for the installment financing service Checking whether the price of the product that the customer intends to purchase is within the usage amount determined for the customer, when the customer applies for the use of the subscribed installment financial service at the time of purchasing the product installment from an affiliated store; The product price that the customer wants to purchase is within the used amount range In case it is determined that the agreement information between the customer and the affiliated point for the product sale contract is provided to the affiliated store based on the stored customer information.

According to another feature of the invention, the system for providing an installment financing service to the customer via the Internet, customer information storage means for storing the customer information received from the customer when applying for an installment financing service via the Internet, the customer Credit checking means for checking the creditworthiness of the customer based on the customer information received from the user, means for determining the amount of usage based on the customer information for the customer determined to have good credit, and the customer A limit inspection means for checking whether the price of the product to be purchased by the customer is within the usage amount of the customer, in the case of applying for the use of the subscribed installment financial service at the time of purchase of the product installment from the customer; In the case where the price of the product to be determined is within the usage range, Agreement information transmission means for transmitting the agreement information required for the product sales contract between the customer and the affiliated store based on the stored customer information to the affiliated store.

Hereinafter, with reference to the accompanying drawings, an embodiment of the present invention will be described the present invention. However, it should be noted that the present invention is not limited only to the following examples.

2, there is shown a network configuration between the installment financing server and the customer / affiliate client for providing an installment financing service according to a preferred embodiment of the present invention. As shown in FIG. 2, the installment financing server 210 is connected to the customer and affiliated store clients 240 and 250 through the Internet 260. The Internet 260 herein refers to the wired / wireless Internet. Although only one customer client and one affiliate client is shown for simplicity of the drawings, it is apparent that multiple customer clients and multiple affiliate client may be connected via the Internet.

Customer client 240 and affiliate client 250 are configured by using a personal computer. In addition to general desktop PCs, all types of computers capable of acting as information processing terminal devices for the existing Internet, such as mobile computers, PDAs, mobile phones, etc., can be used for client computers. The storage device of the client computer stores various programs such as an operating system program, a program for allowing the client to operate as a WWW browser, and a communication program necessary for communicating with the installment financing server 210.

The installment financial service server 210 may be configured by using a dedicated server machine, a workstation, a host computer, and the like, but is not limited thereto. In terms of hardware, a CPU, a memory / external storage device, and a communication line may be connected to the Internet. Any device may be used as long as it is a device including a communication interface and an interface circuit connected through it.

The program executed in the installment financing server 210 according to the present invention includes a customer subscription processing module 212 and a contract processing module 214. The customer registration processing module 212 manages when the customer transmits the information necessary for applying for an installment financing pass using the customer client 240 or the affiliate client 250 through the Internet, and manages the creditworthiness and utilization of the customer. Perform the task of judging. The agreement processing module 214 receives and processes the customer limit check and agreement download request from the affiliate client 250 through the Internet.

In addition, the installment financing server 210 includes a customer information database 220 for storing and managing customer information and an affiliated store database 230 for storing and managing affiliate point information.

Figure 3 illustrates one embodiment of a customer information database 220 structure in accordance with a preferred embodiment of the present invention. As shown in Figure 3, each record of the customer information database, card number (pass number), social security number, customer name, address, occupation group, occupation code, internal / external credit rating, initial loan (use) limit, loan It is shown to include the (used) limit, loan interest rate, card expiration date, bank code and account number. The "Card Number" item represents the Pass Number issued to the customer, and the "Resident Registration Number", "Customer Name", "Address", "Occupation Group" and "Occupation Code" items are information entered by the customer when applying for a Pass. This information is the basis for estimating the creditworthiness and loan limit of the customer.

"Internal credit rating" refers to the customer's credit rating calculated through an internal credit rating system of an installment financial company, and "external credit rating" is calculated through a credit inquiry system provided by external institutions such as the Korea Credit Rating Board and the Banking Association. Customer credit rating.

"Initial Loan Limit" refers to the amount of loan set by the Customer in accordance with the "Internal Credit Rating" and "External Credit Rating" calculated based on the information entered by the Customer when the customer first applied for a Pass. Limit "refers to the loan limit currently available to the customer, minus the loan amount used by the customer from the initial loan limit.

In addition, the "loan interest rate" is the interest rate applied to the loan usage, the "card validity period" is the validity of the pass, "bank code" and "account number" are the banks that customers use to repay the loan used by the customer and Represents a bank account number. If the customer applies for direct debit, the installment amount of the customer will be transferred from the account to the installment financial company monthly.

The above-mentioned customer information items are merely exemplary and are not necessarily limited thereto, and other items may be added for customer management or system management.

4 illustrates an embodiment of an affiliated point information database 220 structure according to a preferred embodiment of the present invention. Each record of the affiliate store database 230 includes affiliate store identification information, affiliate store name, address, and the like, as shown in FIG. "Affiliate identification information" is information necessary for identifying an affiliated store when connecting to an installment financing server from an affiliated store. In addition, other information necessary for managing an affiliated store in an installment financing company may be added.

Referring to FIG. 5, there is schematically illustrated a mutual business process of a customer, an affiliated store and an installment finance server in accordance with a preferred embodiment of the present invention.

First, the customer uses the web browser on his computer to access the installment financing server's homepage and then applies to join the installment financing pass ("pass") (502). The installment financing server, which has received the pass subscription request from the customer's computer (ie, the client client), will perform preliminary work for issuing a pass to the customer through the above-described customer subscription processing module 212 (522). Such a preliminary work includes a task of determining whether a customer can join a pass and calculating a limit, as will be described later. As a result, the customer can know whether to join the pass directly through the Internet and the limit available when purchasing the product using the pass.

In the above case, the customer has already completed the pass registration process using his / her computer before visiting the affiliated store. Alternatively, the customer may apply for the pass at the time of purchasing the product by visiting the affiliated store. can do. In this case, the affiliated store may use the affiliated computer to act for the customer's pass subscription (512). At this time, the procedure for applying for a pass subscription is the same as when a customer applies for a pass subscription using his / her computer except for using an affiliated store client.

The customer who completes the application for pass registration selects a desired product at an affiliated store and applies for an installment purchase (504). The affiliated store that receives the request for the installment purchase of the customer accesses the homepage of the installment financing server using his computer and checks whether the price of the product that the customer wants to purchase is within the usage range (514). At this time, the customer's pass number or social security number as the identification information of the customer will be transmitted to the installment financing server. The installment financing server that receives the customer's utilization amount confirmation request from the affiliated store computer reads the loan limit amount (that is, the limit amount except the amount already used in the initial limit amount) by searching the customer database 220 using the customer's identification information. do. If it is determined that the price of the product that the customer wants to purchase is less than the read-out loan limit, the customer tells the affiliate computer that the customer can installment purchase (524).

Having received the result that the product can be purchased from the installment financing server, the affiliated store requests the installment financing server for the installment financing agreement information necessary to conclude a sale contract with the customer (516). The installment financing server automatically sets most items of the installment financing agreement using the customer information read from the customer information DB and transmits them to the affiliated store computer (526). The affiliate store enters only the additional information (e.g., installment information and product information) into the installment financing agreement transmitted from the installment financing server, prints it, and then receives the signature of the customer (506) to complete the signing of the agreement. (518). By doing so, the customer can quickly conclude the installment agreement by omitting the procedure of entering personal information into the installment agreement every time a product is purchased at the affiliated store and simply signing the agreement provided by the installment financing server.

Once an agreement is signed between the customer and the affiliate, the affiliate delivers the product to the customer within a few days, and when the customer's product has been verified, the affiliate bank notifies the installment financing server that the product has been purchased. According to an alternative embodiment of the present invention, the agreement information entered into between the customer and the affiliated point will be sent back to the installment financing server through the Internet, and then used for future payment management.

In addition, the installment financing server may perform a process of refinancing the loan limit by checking the creditworthiness of the customer and the transaction performance with the installment financing company at regular intervals (528).

6, a flowchart of a process of a customer subscription processing module performed in an installment financing server according to a preferred embodiment of the present invention is shown. The customer subscription processing module process responds to the installment financing server when a customer applies for an installment financing pass in advance through his computer or visits an affiliated store and applies for an installment financing pass through an affiliate computer. Is the process that is performed.

In step 602, a customer's installment financing pass subscription request is received from a customer client (or affiliated store client). In response to the subscription request, the installment financing server provides the client client with a web page for inputting personal information necessary for subscription. The personal information input on the web page includes a name, social security number, work name, occupation, and bank account number information associated with the pass.

The installment finance server checks whether the correct personal information is received (606). If the personal information is incorrect or the customer cancels the pass, the customer registration module subscription process will be terminated.

In step 608, the installment financing server checks the creditworthiness of the customer based on the entered customer information. In general, the customer's credit rating will be assessed through internal credit rating evaluation through the installment financing company's internal credit rating system and external credit rating system through an external credit rating system provided by the Korea Credit Rating Commission or the Bank of Korea. Items that can measure the creditworthiness of the customer may include items such as the job name and job type entered by the customer. The customer's credit rating method may be different for each installment financing company, the detailed method of the credit rating check is beyond the scope of the present invention will be omitted. If it is impossible to issue a pass to the customer due to the poor creditworthiness of the customer, the situation will be notified to the customer (610), and the process will be terminated.

On the other hand, if the creditworthiness of the customer is good enough to issue a pass, the customer's usage limit is calculated in step 612. The customer's usage limit will be determined according to the self-limiting criteria according to the credit rating of the installment financial company's customers. According to one embodiment of the present invention, the limit amount that can be determined by the customer ranges from as low as 1 million won to as high as 15 million won.

In step 614, the customer information received from the customer client and the credit and usage amount information of the customer calculated in the above-described steps are recorded in the customer information DB. This information will continue to be used as essential information in the creation of an agreement each time a customer signs up for a product installment purchase using a pass at an affiliate.

In step 616, the customer is notified of the customer's pass number and limit. Customers will be notified in advance of their loan limits, which can be used as a reference for future product purchases.

Additionally, off-line, the installment financing company will issue the customer's pass in physical form and deliver it to the customer by mail or courier, etc. (618). Will be available.

Referring to FIG. 7, there is shown a flow chart of a commitment processing process performed in an installment financing server in accordance with a preferred embodiment of the present invention. The agreement processing process is related to the work between the affiliated store and the installment financing server when the customer wants to use the installment financing service in the actual purchase of the product after completing the application for the installment financing service through his or her computer. .

In step 702, the identification information of the affiliated store to request the loan limit information of the customer who wants to use the installment financing service is received. In step 704, the installment financing server checks the affiliated store information DB using the affiliated store identification information to determine whether it is a valid affiliated store. If the partnership identification information is invalid, error processing is performed.

In step 706, a request is received from an affiliated store to confirm whether the price of the product the customer wants to purchase is available for purchase using an installment financing service. The installment financing server receiving the confirmation request reads the customer's internal / external credit rating and loan limit from the customer information DB using the customer identification information (for example, social security number or pass number) received at the time of request. It is determined whether the price is less than the loan limit and notifies the affiliated store whether or not the product can be purchased (step 708).

Having received the result that the customer can purchase the desired product, the affiliated store requests the contract information necessary for the conclusion of the sales contract with the customer (step 710). In response, the server reads the customer information necessary for the creation of the agreement from the customer information DB, sets the read customer information in the selected agreement format, and sends it to the affiliated store (step 712).

After receiving the agreement form, the affiliated store inputs additional information (e.g., product information and installment information) necessary for making a sale in the agreement, and then outputs it to the customer, and the customer only needs to sign the printed agreement. As a result, an agreement is concluded between the customer and the affiliated store.

8 is a diagram illustrating an embodiment of a limit approval application screen for requesting confirmation of a customer's usage amount and receiving a result at an affiliated store according to a preferred embodiment of the present invention. After entering the customer's social security number (or pass number and password) and the installment amount in the affiliated store and press the "search" button 810, the result of the installment financing agreement with the customer information is displayed at the bottom of the screen.

Pressing the "View Details" button 820 will display additional personal information about the customer in detail.

When receiving the result that the installment financing agreement is possible at the affiliated store, by pressing the "Web Agreement Input" button 830 at the bottom of the screen, it requests the installment financing server side for the contract information necessary to conclude a sale with the customer.

9 is a diagram illustrating an example of an installment agreement screen provided to an affiliated client according to a preferred embodiment of the present invention. It corresponds to a subsequent screen transmitted from the installment financing server after pressing the "Web Agreement Input" button 830 shown in FIG. The agreement input screen received from the installment financing server includes information required for the agreement form, for example, affiliate information and customer information. In addition, the lower part of the screen includes information to be additionally input at an affiliated store for preparing an agreement, for example, product information and loan condition information input items. After entering product information and loan condition information at the affiliated store, press the "Output Agreement" button at the top right of the screen, and the actual agreement to be signed by the customer will be displayed.

According to the present invention, each time a customer wants to use an installment financing service to purchase a product, the contract is concluded by only signing an agreement provided by the installment financing server without having to write a complicated installment financing agreement every time. In addition, there is an advantage that can be processed very quickly through the Internet from the installment financing service subscription.

Claims (5)

In the method of providing the installment financing service to the customer through the Internet when the customer installs a product installment from an affiliated store, Receiving and storing customer information necessary for subscribing to the installment financing service through the Internet; Determining the creditworthiness of the customer based on the stored customer information to determine whether the customer is eligible for the installment financial service; Determining and using the amount of payment based on the stored customer information to the customer determined to be eligible for the installment financial service; When a customer applies for the use of the subscribed installment financing service when purchasing a product installment from an affiliated store, checking whether the price of the product that the customer intends to purchase is within the range of the usage amount determined for the customer; If it is determined that the price of the product that the customer wants to purchase is within the usage range, providing agreement information necessary for a product sale contract between the customer and the affiliated store to the affiliated store based on the stored customer information; Installment financing service provided via the Internet, including. The method of claim 1, wherein the customer information includes a customer resident registration number, a job group, a job type, and a bank account number. The method of claim 1, wherein determining the credit rating of the customer Searching the internal credit rating using the installment financing company's own credit rating system; A method of providing an installment financing service through the Internet, the method comprising inquiring an external credit rating using a credit rating system provided by an external institution. The method of claim 1, wherein the providing of the agreement information to the affiliated store includes providing an agreement form screen in which the customer information is already written, and entering additional information at the affiliated form on the agreement form screen. A method of providing an installment financing service through the Internet that includes items that can be made. In the system that provides the installment financing service to the customer through the Internet when the customer purchases the product installment from the affiliated store, Customer information storage means for storing customer information received from customers when applying for an installment financing service through the Internet; Credit check means for checking the creditworthiness of the customer based on the customer information received from the customer; Means for determining a usage amount based on the customer information for the customer determined to have a good credit; Limit checking means for checking whether the price of the product to be purchased by the customer is within the usage amount of the customer, when the customer applies for the use of the subscribed installment financial service at the time of purchasing the product installment from the affiliated store; Agreement information transmission means for transmitting the agreement information necessary for a product sales contract between the customer and the affiliate shop based on the stored customer information when it is determined that the product price that the customer wants to purchase is within the usage range Installment financing service system through the Internet, including.