KR20030027148A - Method for controlling a arrear information based on the on-line network - Google Patents

Abstract

PURPOSE: A method for managing overdue information based on the on-line network is provided to enable a user or a financial institution to receive a service such as an overdue generation notifying process, and an overdue inquiry guidance process by constructing a systematical module environment capable of managing the overdue information based on the on-line network. CONSTITUTION: A series of overdue information having delay and personal details of a specific delinquent is transmitted from an affiliated company management system(S101). If the overdue information is transmitted from the affiliated company management system, corresponding overdue information is appended and registered in a DB block and a series of overdue notifying mails reflected by the overdue information is created(S103,S104). The overdue notifying mails are transmitted to a mail account of the specific delinquent stored in the overdue information(S106). The overdue notifying information stored in the DB block is updated according to the transmission of the overdue notifying mails(S107).

Description

Overdue information management method based on online network {Method for controlling a arrear information based on the on-line network}

The present invention relates to a method for managing delinquent information based on an online network, and more specifically, to construct a systematic module environment that can be dedicated and handled a series of delinquent information management processes on-line. "Notification of Overdue Occurrence", "Credit Defective Registration", "Credit Delinquency Release", "Overdue Inquiry Guide Process", "Registration for Notification of Overdue Information Notification", etc. The present invention relates to a method for managing delinquent information based on an online network that can be induced to automatically and easily receive services online.

In recent years, the use of financial services such as bank loans, credit card companies, etc., the use of financial services, such as money loans, the problem of managing the delinquency information of each user has emerged as an important problem.

In this reality, each user makes frequent contact with each financial company with which he or she is dealing, and checks and manages the late payment information from time to time, thereby avoiding any unexpected damages to the user.

However, in general, since each user has a series of trading relationships with at least one or more financial institutions, it is difficult for the user to frequently check and manage the delinquent information of all financial institutions on their own.

If a specific user fails to properly manage his overdue information due to the above difficulties and fails to grasp his or her overdue fact, the user may be able to repay the delinquent payment, even though he / she has the ability to repay the arrears. They will be forced to register as "credit bad guys" in institutions, etc., and in the future, they will be forced to suffer enormous damage that they cannot freely carry out their normal economic activities.

On the other hand, as the social environment becomes more complex, changes in personal information of each user, such as "transfer of user's address" and "change of user's contact information," are becoming more frequent. The need to be informed of changes in his / her personal information is also increasing rapidly.

However, as mentioned above, in general, each user has a set of trading relationships with at least one or more financial institutions, so that the user is responsible for all financial institutions. There are many difficulties in notifying.

If a particular user fails to notify a financial institution of a series of personal changes and is not contacted with his or her overdue facts, the user may be able to repay a series of overdue payments, similar to the case described above. Inevitably, he or she can be registered as a "credit bad guy" with a financial institution or credit bureau, and he will inevitably suffer enormous damage that he cannot freely conduct his normal economic activities.

This difficulty is experienced not only by each user, but also by the financial company that has a business relationship with the users. For example, if any user with whom you have a business relationship insisted on their "credit refusal to register" because they were not informed of the delinquency due to a change of address, the financial institution would have a separate charge. Employees have to be checked in and out, which leads to additional costs.

In addition, under the conventional system, the financial companies are carrying out a series of "delinquent notification process", "credit offender registration process", "credit offload process" and so on, based entirely on the manual work of the dedicated staff. There is no choice but to suffer the problem that the processing efficiency falls below a certain level. If a part of the data is missing due to the mistake of a dedicated employee, any user who deals with the financial institution will suffer unpredictable damage.

Accordingly, an object of the present invention is to build a systematic module environment capable of collectively handling and processing a series of delinquent information management processes based on an online network, through which an arbitrary user, a financial company, etc. may be required. Encourage easy and automatic online service of "Delay Notice Notification Process", "Credit Delinquent Registration Process", "Deferred Credit Release Process", "Deferred Accounting Guide Process", and "Registration / Change Process of Notification of Overdue Information Notification" It is.

Another object of the present invention is a series of "notification of delinquent occurrence", "credit delinquent registration", credit delinquency release process, "delinquent inquiry guide process", "deferred information notification target mail registration / change process", etc. online Even if a user is capable of repaying the arrears, by minimizing the occurrence of arrears in arrears, for example, by mistake of a user or a financial company's dedicated employee, the financial institution, This is to solve the problem of being registered as a "credit bad person" in a credit bureau.

Another object of the present invention is on the financial side, with a minimum of dedicated staff, for example. It is possible to facilitate the online process such as "notification of delinquent occurrence", "credit offender registration process", and "credit off credit process" online, so that financial companies can "unnecessarily engage in disputes with users" and "pay unnecessary costs". To minimize back.

Still other objects of the present invention will become more apparent from the following detailed description and the accompanying drawings.

1 is an exemplary diagram conceptually showing a delinquent information management system constituting the base environment of the present invention.

2A to 3 are flowcharts sequentially illustrating a method for managing overdue information based on an online network according to an embodiment of the present invention.

4 to 7 are conceptual views illustrating a web page posting status of a user-side client according to each embodiment of the present invention.

In order to achieve the above object, according to the present invention, in accordance with a series of event data transmitted from any partner company management system, user client, etc., which are connected to the online network, the delinquent information notification process and the delinquent information are optionally performed. An overdue information management method based on an online network consisting of a combination of service processes is disclosed.

At this time, the above information on the delinquent information notification process is a step of determining whether or not a series of delinquent information containing the delinquent / personal details of a particular delinquency from the partner management system, and the delinquent information is transmitted from the partner management system In this case, the corresponding delinquent information is additionally registered in the D / B block, and a series of delinquent notification mails reflecting the delinquent information is added to the delinquent notification mail. And transmitting the overdue notice information previously stored in the D / B block in accordance with the transmission of the overdue notice mail.

In addition, the above-described delinquent information service process determines whether a series of login events have occurred from the previous client client, and, if a login event occurs from the client client, whether or not there are overdue details belonging to the user. And determining, if there is an overdue attributable to the user, transmitting a series of overdue inquiry guide pages to guide the user's "delinquent inquiry process" to the user side client, and the user side client. Determining whether or not a series of overdue inquiry events corresponding to the previous overdue inquiry guide page has occurred, and when a series of overdue inquiry events occur from the user client, the overdue attributable to the user Based on this, a series of overdue confirmation pages are generated. And transmitting the completed overdue confirmation page to the user side client.

Hereinafter, with reference to the accompanying drawings, it will be described in more detail the method for managing overdue information based on the online network according to the present invention.

As shown in FIG. 1, the delinquent information management system 100 constituting the base environment of the present invention is largely divided into a D / B block 40, a D / B management server 30, a delinquent information management server 10, and the like. Is made up of a combination. In this case, the previous D / B block 40 includes partner information D / B 41, member information D / B 42, delinquency information D / B 43, and delinquent address information D / B 44. , Delinquent Mail Information D / B (45), Overdue Notification Information D / B (46), Overdue Payment Repayment Information D / B (47), Credit Delinquent Information D / B (48), Operation Information D / B (49) Etc. are arranged.

At this time, the partner information D / B 41 includes, for example, "a partner authentication ID, a partner authentication password, a partner name, a partner address, a partner mail account, and a visitor's system visit history". A series of affiliate-related information, such as ‥‥ ", is stored, and the member information D / B 42 includes, for example, a member authentication ID, member authentication password, member name, member address, member, etc. registered on the" system 100 side. " A series of member-related information is stored, such as e-mail accounts and member system visit history.

In addition, the delinquent information D / B 43 stores delinquent related information such as, for example, the delinquent identification number, the delinquent name, and the amount of the delinquent value provided by the affiliated company management system 1, and the like. In B 44, for example, the delinquent address information of the delinquent provided by the affiliated party management system 1 is stored, and the delinquent mail information D / B 45 is provided by the affiliated company management system 1, for example. The delinquent's e-mail address information is stored.

In addition, the overdue notification information D / B 46 stores, for example, information related to the overdue notice such as "number of times each delinquent has been notified of the delinquency fact", and the overdue payment information D / B 47 includes, for example, "each. Information related to the overdue payment, such as the delinquent payment repayment record of the delinquent person, "and the like, and the bad credit information D / B 48 includes, for example, a" bad person's name classified as bad credit by the system 100 "and a bad credit identification. Information related to bad credit, such as number, bad credit, etc., is stored.

In addition, the operation information D / B 49 stores a series of operation related information for operating an online page, such as "online page graphic information, online page setting information ...".

At this time, the previous D / B management server 30 is the partner information, member information, delinquent information, delinquent address information, delinquent e-mail information, delinquent notification information, overdue payment information, credit delinquent information, operation information, etc. Selectively stored in the required area of the D / B block, or the preceding partner information D / B 41, member information D / B 42, delinquency information D / B 43, delinquent address information D / B ( 44), delinquent e-mail information D / B 45, delinquent notification information D / B 46, delinquent payment information D / B 47, credit delinquent information D / B 48, operation information D / B ( 49) and selectively outputs the above-mentioned various data.

In this case, the D / B management server 30 not only plays a role of storing and outputting various data, but also simultaneously plays an intelligent role of efficiently managing the data in the fastest time without overlapping.

Meanwhile, as shown in the figure, the delinquent information management server 10 systematically configures the D / B management server 30 in a state in which a series of signal connection relationships are formed with the previous D / B management server 30. By controlling, it is possible to selectively determine whether to store and extract the above partner information, member information, delinquent information, delinquent address information, delinquent e-mail information, delinquent notification information, overdue payment information, credit delinquent information, operation information, and the like. It plays a role of controlling.

In addition to such a relationship with the D / B management server 30, the above-described delinquent information management server 10 is provided via an interface module 20, and the arbitrary partner company management system 1 and the user client ( 2) It also forms a close signal connection relationship. In this case, the system operator concludes a contract with the above affiliated party, for example, "Delegation of all delinquent information management of the affiliated party to the system side" in advance, thereby providing a legal basis for the stable operation of the present invention. To prepare.

In the state where such a base environment is prepared, when a series of delinquent information transmission events occur from the previous partner side management system 1, the delinquent information management server 10 utilizes the D / B management server 30. For example, by selectively extracting and updating partner information, delinquent information, delinquent address information, delinquent e-mail information, delinquent notification information, credit delinquent information, operation information, and the like, the " partner company delinquency information 100 " The process of registering on the side "," the process of sending the overdue notice mail to the delinquents specified by the affiliated party ", and the" process of newly registering the delinquents who have undergone the overdue notification process more than a certain number of times as bad credit " To be possible.

In addition, when an overdue bill inquiry event, an overdue bill repayment event, an overdue notice receiving address change event, or the like occurs from an arbitrary user side client 1, the overdue information management server 10 is a D / B management server 30. For example, by selectively extracting and updating member information, delinquent information, delinquent address information, delinquent e-mail information, overdue payment information, bad credit information, operation information, and the like, "the user confirms his / her delinquency history. Process "," the process of guiding users to directly repay the overdue payments of various partners online "," the process of guiding users to collectively change their overdue notification address online at once. "Run elastically.

At this time, the interface module 20 processes various event data transmitted from the affiliated company-side management system 1, the user-side client 2, and the like, which are connected via the online network, and the delinquent information described above is described. In addition to the role of delivering to the management server 10, and processes the various information delivered from the delinquent information management server 10, this information is transferred to the partner-side management system (1), the user-side client (2), etc. It also plays a role in delivering quickly.

On the other hand, the above-mentioned delinquent information management server 10, as well as the above-described D / B management server 30, the interface module 20, credit delinquent management module 70, delinquent information transmission target list temporary storage module 60 ), The mail management server 50 and the message management server 80 also form a series of signal connection relationships.

At this time, the bad credit management module 70 monitors the delinquent notification information D / B 46 through, for example, the D / B management server 30 to check the update status of the delinquent notification information. If the delinquent of the credit delinquent registration requirements, and deliver it to the delinquent information management server 10, it serves to assist the delinquent can be automatically registered and managed as a credit delinquent.

In addition, the overdue information transmission target list storage module 60 temporarily stores and stores a "delinquent information overdue list" for overdue information under the control of the overdue information management server 10, and a series of "due notices". When the mail batch transfer point "arrives and there is a series of" information request "from the mail management server 50 described later, for example, by transferring the mail information related to the overdue information transmission target to the mail management server 50, The delinquent notification mail serves to assist the group of delinquents in a batch manner.

In addition, the mail management server 50 transmits the delinquent information of a specific delinquent from the affiliated company management system 1, and transmits a series of "delinquent notification mails" corresponding to the delinquent information from the delinquent information management server 10. When the instruction is delivered, a series of overdue notification mails are transmitted to the overdue side mail account 4 by utilizing the "overdue mail information D / B 45", "delinquent information transmission target list 60", and the like. Play a role.

In addition, the mail management server 50 completes a series of delinquent information management processes by the delinquent information management server 10, and transmits the " management result notification mail corresponding to the delinquent information management process from the delinquent information management server 10. FIG. When the instruction is delivered, the "partner information D / B 41" is used to transmit a series of "management result notification mails" to the partner company's mail account 5.

In addition, the message management server 80 transmits the delinquent information of a specific delinquent from the affiliated company management system 1, and transmits a series of "delinquent notification messages" corresponding to the delinquent information from the delinquent information management server 10. When the "instruction" is transmitted, the "delay information D / B 43", "delinquent information transmission target list", etc. are utilized to transmit a series of delinquency notification message to the delinquent side mobile communication device 6. .

Hereinafter, the inherent overdue information management method using the overdue information management system having the above-described configuration will be described in detail.

First, by using the present invention, affiliates, users, and the like, who wish to enjoy a series of delinquent information management services, utilize the affiliated party management system 1, the user side client 2, and the like to manage the delinquent information of the present invention. A computing environment that can be connected to the system 100 is prepared in advance.

At this time, as shown in Figures 2a and 3, the delinquency information management method according to the present invention is applied to a series of event data transmitted from any of the affiliated company-side management system (1), the user-side client (2), etc. Accordingly, a combination of an optional delinquent information notification process (step S100) and a delinquent information additional service process (step S200) is performed.

First, the overdue information notification process (step S100) will be described in detail.

First, when a series of delinquent information occurs, the partner company uses the partner company management system 1 to transmit the delinquent information to the system 100. The delinquent information transmission process may be performed by a sequential web page exchange method between the partner company management system 1 and the delinquent information management system 100, and the partner company management system without a separate web page exchange process. It may proceed by the method of collectively and transmitting from (1) to the overdue information management system 100.

In this state, as shown in FIG. 2A, the delinquent information management server 10 continuously checks the interface module 20 to determine whether a series of delinquent information transmission events have occurred from the partner company management system 1. It is judged whether or not (step S101).

At this time, if it is determined that a separate overdue information transmission event has not occurred from the partner company management system 1, the overdue information management server 10 proceeds to the flow of step S102, and maintains a series of standby states.

However, if it is determined that a series of delinquent information transmission events have occurred from the partner company management system 1, the delinquent information management server 10 immediately utilizes the D / B management server 30, and the delinquent information, For example, "Delinquent Resident Registration Number, Delinquent Name, Delinquent Amount, Delinquent Residential Address Information, Delinquent E-mail Address Information ...", etc., delinquent information D / B 43, delinquent address information D / B 44, delinquent mail information D A process of adding and registering to / B 45 or the like is performed (step S103).

Subsequently, the delinquent information management server 10 utilizes the above delinquent information, for example, to generate a series of "delinquent notification mails" having the MIME protocol, and as soon as this "delay notice mail" generation process is completed, mail management. The SMTP service of the server 50 is called to transfer the "due notice mail" to the mail management server 50 (step S104).

When a series of "due notice mails" are delivered from the delinquent information management server 10 through the above process, the mail management server 50 immediately stores the serial information stored in the delinquent mail information D / B 45. The delinquent mail information, e.g., " delinquent mail address information ", is used, and then the " delinquent mail address information " (Steps S105, S106).

In the future, the delinquent can access his mail account and check the "due notice mail" to easily confirm that he is currently in a delinquent situation, and can take appropriate action.

As another example, the delinquent information management server 10 of the present invention controls the message management server 80 to generate a series of "delay notice messages", and the "delay notice message" via the communication base station 7. By transmitting to the delinquent side mobile communication device 6, the delinquent may induce his / her delinquency fact more easily without any inconvenience.

On the other hand, through the above-described process, when a series of all overdue notification mail transmission process is completed, the delinquent information management server 10 immediately utilizes the D / B management server 30, the delinquent notification information D / B ( A process of newly updating the delinquent notification information stored in 46), for example, "the information on the number of times the delinquent is notified of the delinquent fact", is newly updated (step S107). In accordance with this updating process, the "recovery information for notifying the delinquent Kim Δ △ of the delinquency fact" is changed from "twice" to "three times", for example.

In this state, the bad credit management module 70 monitors the affiliate information D / B 41 and the delinquent notification information D / B 46 via, for example, the D / B management server 30 to cooperate. By checking the company's credit default setting criteria, the update status of the delinquent notification information, etc., it is judged whether or not "deliner Kim ΔΔ" is a series of credit defect registration targets (step S108).

At this time, the setting criteria of A partner A that has a business relationship with "Overdue Kim △△" is "If the number of notices of overdue facts is three or more times, it will be treated as a bad credit." If the number of times of notifying the number of times is not corrected, and it is determined that "overdue Kim ΔΔ" is not the target of bad credit registration, the bad credit management module 70 ends the flow.

However, the setting criteria of A partner A that has a business relationship with "Overdue Kim △△" is set to "If the number of notices of overdue facts is three or more times, it will be treated as a bad credit." If the number of times of notifying the number of times of notification is 3 times, and it is determined that "delinquent Kim △ △" is deemed subject to credit delinquency, the credit delinquent management module 70 immediately determines that delinquent Kim ΔΔ is delinquent credit detained person. Deliver a message indicating that the overdue information management server 10.

As soon as such a notification message is transmitted from the credit delinquent management module 70, the delinquent information management server 10 utilizes the D / B management server 30, and the serial information stored in the credit delinquent information D / B 48 is stored. By updating the information on the bad credit of the user, "Deliner Kim DELTA" is registered as a bad credit (step S109).

Through the above process, when the credit failure registration process of "delinquent Kim △△" is completed, the delinquent information management server 10 immediately controls the mail management server 60, the message management server 80, "Credit delinquent registration notification mail", "Credit delinquent registration notification message", etc. "Deliner Kim △△ mail account", "Partner A's mail account", "Deliner Kim △△ mobile communication", "Partner A "Communicator's mobile phone", "such as" deliner Kim △△ "," affiliate A ", etc. can easily confirm that the" self or customer "is registered as bad credit, and each party can take appropriate action To induce it (step S110).

As another example, the delinquent information management server 10 proceeds to the previous step S110 in a different manner, and as soon as the credit delinquency registration process of the "delinquent Kim △△" is completed, a series of "credit bad registration notification data" By sending directly to the side management system (1), it is easy for affiliate A to confirm that its customer has been registered as a bad credit, and to induce the appropriate partner A to take appropriate action.

On the other hand, the above-described delinquent information notification process of the present invention (step S100) may be implemented through another step (step S111) as shown in Figure 2b. This will be described in detail.

First, the delinquent information management server 10 proceeds from step S112 to S114 in the same manner as the above-mentioned steps S101 to S103, and a series of delinquent information, for example, "delinquent resident registration number, delinquent name, delinquent amount, delinquent residence address information," The delinquent e-mail address information ... is added to and registered in the delinquent information D / B 43, the delinquent address information D / B 44, the delinquent e-mail information D / B 45, and the like.

At this time, the partner company collects the delinquent information of a certain period of time different from each other in the series of "delay history notice date", for example, one month worth of delinquent information, and then collectively defers the delinquent information into the delinquent information management system 100. By transmitting, a series of overdue history notification processes can be smoothly carried out under the supervision of the overdue information management system 100 without the continuous exchange of information with the overdue information management system 100 during the period.

In this state, the delinquent information management server 10 controls the delinquent information transmission target list temporary storage module 60, and among the delinquents included in the " one month worth of delinquent information " A process of further updating and registering " mail information of delinquent Kim ΔΔ whose delinquent information notification date corresponds to the same day " to a series of delinquent information transmission target lists is carried out (step S115).

Before the step S115 proceeds in earnest, the delinquent information management server 10 continuously utilizes the D / B management server to continuously "delay information attributable to other affiliates who have previously performed step S112". By searching, among the delinquents attributable to each of the affiliates, " mail information of delinquents whose delinquent information notice date corresponds to the day ", for example, " mail information of " Accumulate and store the overdue information transmission target list as shown in Table 1 below.

When the previous step S115 is completed, the sender list includes not only the mail information of "delinquent Kim △△" belonging to the affiliated company who has performed S112, but also the other affiliated companies who have performed the same step before the current step. "E-mail information of ..., ..." is accumulated and stored.

Person who will be sending overdue information E-mail ‥‥ ‥‥ ‥‥ ‥‥ △△ lsss@han**.com ‥‥ ‥‥ ‥‥ ‥‥ Kim △△ kkk@pop**.co.kr

Here, the above step S114, step S115 and the like may proceed sequentially, depending on the situation, or alternatively, may proceed simultaneously without a certain turn.

Through the above-described process, the delinquent information management is performed while a specific delinquent, for example, "email information of delinquent Kim △△ whose delinquent information notification date corresponds to the day" is additionally updated and registered in the delinquent information transmission target list. The server 10 determines whether or not a series of overdue notice mail batches have arrived by checking the preset settings (step S116).

At this time, if the setting details are set to "Send overdue notice mail at 3 pm on the same day" and the current time is 2:00 pm, it is determined that the overdue notice mail has not yet arrived. The delinquent information management server 10 advances the flow to the previous step S112, and repeats and proceeds the above-described delinquent information receiving process.

However, if the setting details are set to "Send overdue notice mail at 3:00 pm on the same day" and the current time is 3:00 pm, it is determined that the time of batch transfer of overdue notice mail has arrived. The delinquent information management server 10 immediately uses the delinquent information of the individual delinquents registered in the delinquent information transmission target list to generate a series of delinquent notification mails having the MIME protocol, and the delinquent notification mails. Immediately after the generation process is completed, the SMTP service of the mail management server 50 is called to deliver the corresponding "due notice mail" to the mail management server 50 (step S117).

Through the above process, when a series of "due notice mails" are delivered from the delinquent information management server 10, the mail management server 50 immediately sends the delinquent mail information of each delinquent recorded in the delinquent information transmission target list, For example, check the " overdue mail address information " and refer to it, and then proceed with the process of collectively transferring the above "due notice mail" to the mail account 4 of each overdue (step S118).

Later, the delinquents can access their mail account and check the "due notice mail" to easily confirm that they are currently in a delinquent situation, and to take flexible action.

Thereafter, the delinquent information management server proceeds to steps S118 to S122, similarly to the above-described steps S107 to S110, and completes the present invention.

As such, when a series of delinquent information notification processes are performed in a real time transmission method such as step S100, the delinquent information management server 10 simultaneously transmits a series of delinquent notification mails to the delinquent at the same time as "securing deferred information". By doing so, it is possible to obtain the advantage that the overall service quality of the system 100 is increased, otherwise, when a series of delinquent information notification process is carried out in a batch manner such as step S111, the delinquent information management server 10 is It is easy to take advantage of the significant reduction in system burden due to the real-time transmission of overdue notice mail.

The foregoing step S100 or step S111 may be flexibly selected and operated according to the situation of the system.

Next, the delinquency information additional service process (step S200) according to the present invention will be described in detail.

First, as shown in FIG. 3, the user goes through a series of login processes via the user side client 2, and authenticates his or her membership registration (step S201).

When the login process is completed and whether the user is registered, the delinquent information management server 10 immediately stores the operation information D / B 49 by utilizing the D / B management server 30. After the existing operation information is extracted, a series of main pages are generated using this operation information, and a process of transmitting the completed main page to the user side client 2 is performed (step S202).

In this case, the client-side client 2 quickly interprets the main page 201 transmitted from the system 100 side and displays it as shown in FIG. 4, so that the user can easily perform a series of delinquent information addition services. Provide a stable base environment to enjoy.

On the other hand, the delinquent information management server 10 proceeds to the previous step S202, using the D / B management server 30, and proceeds to the process of checking the delinquency information D / B 43, the user It is determined whether or not there is an overdue history belonging to (step S203).

At this time, if it is determined that there is no overdue history belonging to the user, the overdue information management server 10 immediately proceeds to step S207 which describes the flow later.

However, if it is determined that there is an overdue history belonging to the user, the overdue information management server 10 immediately stores the operation information D / B 49 by utilizing the D / B management server 30. After extracting the existing operation information, using this operation information, a series of delinquent history inquiry guide pages for guiding the user's delinquency inquiry process is generated, and the delinquent history inquiry guide page which is generated is completed. The process of transmitting to the process proceeds (step S204).

In this case, the user-side client 2 quickly interprets the overdue history inquiry guide page 205 transmitted from the system 100 side and, as shown in FIG. 4 above, for example, a pop-up window Pop. -up window), induces the user to confirm that he is currently in overdue status and to check it easily.

In this state, the delinquent information management server 10 continuously checks the interface module 20, whereby a series of delinquent history inquiry events corresponding to the previous delinquency inquiry guide page 205 is received from the user side client 2. It is judged whether or not it has occurred (step S205).

At this time, if the user terminates the overdue history inquiry guide page 205 without a series of computing operations and determines that no overdue history inquiry event has occurred from the user side client 2, the overdue information management server 10 Proceeds to step S207 to describe the flow later.

However, if the user selects the confirmation item 206 of the overdue history inquiry guide page 205 and it is determined that a series of overdue inquiry events have occurred from the user side client 1, the overdue information management server 10 Immediately, by utilizing the D / B management server 30, for example, "a series of delinquent information belonging to the user" stored in the delinquent information D / B 43, operation information D / B 49, etc., " "Operational Information" and the like, using the delinquent information, the operational information, etc., create a series of delinquent history pages containing the delinquent details of the user, and transmit the completed delinquent history page to the client side client 2. The process proceeds to step S206.

In this case, the client-side client 2 quickly interprets the overdue page 207 transmitted from the system 100 side and displays it as shown in FIG. Make it easier to see your delinquency related.

On the other hand, in a state in which a series of delinquent self-inquiry process is completed through the above-described process, the delinquent information management server 10 continuously checks the interface module 20, thereby delinquent a series of delinquents from the user side client 2. It is determined whether or not a payment repayment event has occurred (step S207).

At this time, if the user does not proceed with a series of computing operations, it is determined that no separate overdue payment event has occurred from the user side client 2, the delinquent information management server 10 proceeds to step S215 to describe the flow later do.

However, if the user selects, for example, the overdue reimbursement item 203 of the main page 201, and it is determined that a series of overdue reimbursement events have occurred from the user side client 2, the overdue information management server 10 Immediately, the D / B management server 30 is used to extract a series of operation information stored in the operation information D / B 49, and then the operation information is used to guide the user's overdue payment process. In order to generate a series of overdue payment guide pages, a process of transmitting the completed overdue payment guide page to the user side client 2 is performed (step S208).

In this case, the client-side client 2 quickly interprets the overdue payment guide page 208 transmitted from the system 100 and displays it as shown in FIG. Make it easier to process your overdue payments online.

In this state, the delinquent information management server 10 continuously checks the interface module 20, so that the series of delinquent payment information corresponding to the previous payment payment guide page 208 from the user side client 2 is received. It is judged whether or not it has been transmitted (step S209).

At this time, if the user has not yet entered all the necessary items of the overdue payment guide page 208, and it is determined that no additional overdue payment information has been transmitted from the user side client 2, the overdue information management server 10 ) Advances the flow to step S210 to maintain a series of wait states.

However, if the user inputs all the necessary items on the overdue payment guide page 208, clicks on the transmission item 209, and judges that a series of overdue payment information is transmitted from the user side client 2, the overdue The information management server 10 immediately proceeds with a series of overdue payment processing, and communicates with an external financial institution management server (not shown), for example, a bank management server, so that the previous overdue payment information is transferred to the financial institution. To be substantially reflected (step S211). Of course, such a delinquent payment process can be made in various ways depending on the situation.

On the other hand, the delinquent information management server 10 proceeds with the above-described delinquent payment processing process and controls the D / B management server 30, thereby relating to the delinquency associated with the previous user, for example, "Kil ΔΔ". The process of updating the information collectively is carried out (step S212).

In this case, the delinquent information management server 10 via the D / B management server 30, for example, delinquent information D / B (43), delinquent address information D / B (44), delinquent mail information D / B ( 45), the delinquent information, the delinquent address information, the delinquent e-mail information, the delinquent notification information, etc. related to "KIMΔ △" stored in the delinquent notification information D / B 46 and the like, and the overdue payment repayment information 47 Register "new content of Kim △△ to pay overdue payment" in

When this process is completed, the delinquent information management server 10 immediately controls the D / B management server 30 to extract the operation information stored in the operation information D / B 49 and then the operation information. For example, a "Repayment processing result page has been completed normally. After that," a payment processing result page including the contents is generated, and the payment processing result page is transmitted to the user side client 2. The process of performing the process (step S213).

Subsequently, the delinquent information management server 10 controls the mail management server 50, the message management server 80, and the like, and the "participant company to pay the delinquent payment facts notification mail", "deferred payment facts notification message", etc. "Mail account", "representative mobile carrier of affiliates", etc., to make it easy to confirm that "customer Kim △△" in the "each partner" to repay the overdue payment, and the affiliate Appropriate measures can be taken (step S214).

As another example, the delinquent information management server 10 proceeds to the previous step S214 in a different manner, and as soon as the delinquency payment process of "delinquent Kim △△" is completed, each series of "deferred payment notice data" By sending directly to the company-side management system (1), it is easy to confirm that Kim △△ has repaid the overdue payments at each partner in the business relationship with Kim △△. Encourage action to be taken.

On the other hand, in a state in which a series of overdue payment online payment process is completed through the above-described process, the delinquent information management server 10 continuously checks the interface module 20, thereby deferring a series of delinquency from the user side client 2. It is determined whether or not a notification destination address change event has occurred (step S215). This overdue notification address change event is for any user to change and register address information such as "e-mail address information" and "real mail address information" for his or her overdue information. It means a series of events to proceed.

At this time, if it is determined that the user does not proceed with a series of computing operations and a separate overdue notification address change event has not occurred from the user side client 2, the overdue information management server 10 ends the flow.

However, if the user selects, for example, the address change item 204 of the main page 201, and it is determined that a series of overdue notification address change events have occurred from the user side client 2, the overdue information management server 10 Immediately extracts a series of operation information in the operation information D / B 49 by utilizing the D / B management server 30, and then utilizes the operation information to change the overdue notification address of the user. A series of overdue notice receiving address change guide pages for guiding are generated, and a process of transmitting the completed overdue notice receiving address change guide page to the user side client 2 is performed (step S216).

In this case, the user side client 2 quickly interprets the overdue notification address change guide page 210 transmitted from the system 100 side, and displays it as shown in FIG. It is possible to more easily carry out the process of changing his overdue notification address registered in the company, for example, "registration / modification process of overdue information notification target mail" online.

In this state, the overdue information management server 10 continuously checks the interface module 20, thereby receiving a series of overdue notices corresponding to the previous overdue notification address change guide page 210 from the user side client 1. It is determined whether or not the address change information has been transmitted (step S217).

At this time, if the user has not yet entered all the necessary items of the overdue notification address change guide page 210, and it is determined that no separate overdue notification address change information has been transmitted from the user side client 2, the overdue information The management server 10 advances the flow to step S218 to maintain a series of standby states.

However, the user inputs all necessary items of the overdue notification address change guide page 210, clicks on the transmission item 211, and a series of overdue notification address change information has been transmitted from the user side client 2. If it is determined, the delinquent information management server 10 immediately inquires of the specific affiliated party management system included in the delinquent notification address change information, whether or not to approve the user's change of the delinquent notification address. S219).

In this state, the delinquent information management server continuously checks the interface module to determine whether or not a series of approval information has been transmitted from the above-mentioned specific partner company management system (step S220).

At this time, if it is determined that no separate approval information has yet been transmitted from the specific partner company management system, the delinquent information management server 10 proceeds to the step S221 and maintains a series of standby states.

However, if it is judged that a series of approval information has been transmitted from the specific partner side management system, the delinquent information management server 10 immediately controls the D / B management server 30, so that the previous user, for example, " A process of collectively updating the information related to the overdue notification reception address related to "ΔΔΔ" is performed (step S222).

In this case, the delinquent information management server 10 stores the delinquent information stored in the delinquent address information D / B 44, the delinquent mail information D / B 45, and the like through the D / B management server 30. The delinquent address information, delinquent mail information, and the like relating to "Δ" are collectively updated.

Thereafter, the delinquent information management server 10 controls the D / B management server 30 to extract the operation information stored in the operation information D / B 49, and then utilizes the operation information, for example, " Your address change process has been completed normally. After that, you can create a Receipt Address Change Result Page containing the contents such as ‥‥ "and send the completed Receipt Address Change Result Page to the client-side client (2). Makes it easy to check the result of his online address change (step S223).

On the other hand, the above-mentioned process of changing the overdue notice receiving address of the present invention (steps S215 to 223) may be implemented through other steps (steps S224 to S230) as shown in FIG. This will be described in detail.

As shown in the figure, first, the overdue information management server 10 continuously checks the interface module 20 to determine whether a series of overdue notification address change events have occurred from the user side client 2. (Step S224).

At this time, if it is determined that the user does not proceed with a series of computing operations and a separate overdue notification address change event has not occurred from the user side client 2, the overdue information management server 10 ends the flow.

However, if the user selects, for example, the address change item 204 of the main page 201, and it is determined that a series of overdue notification address change events have occurred from the user side client 2, the overdue information management server 10 Immediately extracts a series of operation information in the operation information D / B 49 by utilizing the D / B management server 30, and then utilizes the operation information to change the overdue notification address of the user. A series of overdue notice receiving address change guide pages for guiding are generated, and a process of transmitting the completed overdue notice receiving address change guide page to the user side client 2 is performed (step S225).

In this case, the user side client 2 quickly interprets the overdue notice receiving address change guide page 210 transmitted from the system 100 side, and displays it as shown in FIG. Makes it easier to process the change of the overdue notification address registered in each trading company online.

In this state, the overdue information management server 10 continuously checks the interface module 20, thereby receiving a series of overdue notices corresponding to the previous overdue notification address change guide page 210 from the user side client 1. It is determined whether or not the address change information has been transmitted (step S226).

At this time, if the user has not yet entered all the necessary items of the overdue notification address change guide page 210, and it is determined that no separate overdue notification address change information has been transmitted from the user side client 2, the overdue information The management server 10 advances the flow to step S227 to maintain a series of standby states.

However, the user inputs all necessary items of the overdue notification address change guide page 210, clicks on the transmission item 211, and a series of overdue notification address change information has been transmitted from the user side client 2. If it is determined, the delinquent information management server immediately controls the D / B management server 30 to collectively update the delinquent notification address associated with the previous user, for example, " kim ΔΔ. &Quot; Proceed (step S228).

In this case, the delinquent information management server 10 stores the delinquent information stored in the delinquent address information D / B 44, the delinquent mail information D / B 45, and the like through the D / B management server 30. The delinquent address information, delinquent mail information, and the like relating to "Δ" are collectively updated.

When this process is completed, the delinquent information management server 10 immediately controls the D / B management server 30 to extract the operation information stored in the operation information D / B 49 and then the operation information. For example, by creating a receiving address change result page containing contents such as "Your address change process has been completed normally. Thereafter, ....", and the like, the received address change result page is generated. And the process of transmitting () (step S229).

Subsequently, the delinquent information management server 10 controls the mail management server 50, the message management server 80, and the like, such as "user address change notification mail", "user address change fact notification message", etc. "Mail account", "representative mobile carrier of affiliates", etc., to make it easy to confirm that the customer's customer Kim △△ changed the overdue notification address in each partner company, Can take appropriate measures for this (step S230).

As another example, the delinquent information management server 10 proceeds to the previous step S230 in a different manner, and as soon as the process of changing the user's overdue notification receiving address is completed, a series of "overdue notice receiving address change data" is provided to each partner. By sending directly to the management system (1), it is easy for each of the affiliated companies to deal with the user to confirm that "the user has changed the delinquent notification address", and the affiliates can take appropriate action. Induce to take.

As described in detail above, in the present invention, based on the online network, to build a systematic module environment that can be dedicated and handle a series of overdue information management process, through which any user, financial company, etc. You can easily and automatically receive online services such as "Notification of Overdue Occurrence", "Deferred Credit Registration", "Deferred Credit Release", "Deferred Lookup Guide" and "Registration for Notification of Overdue Information Notification" Induce to help.

When the present invention is achieved, any user, financial company, etc., "delay notice notification process", "credit defector registration process", credit defector release process "," delinquent inquiry guide process "," delinquent information notification target mail registration / Change process ", etc. can be automatically and collectively processed online, so that the effect of minimizing" payment of arrears "due to a mistake of a user or a dedicated employee of a financial company, for example, can be obtained. The user can easily solve the problem of being registered as a "credit bad person" with a financial institution or credit bureau despite the ability to repay arrears.

When the present invention is achieved, the financial institution side has only a small number of dedicated employees, for example. You can easily access the online notices such as "Delayed Notification", "Registration of Bad Credit", and "Disable Bad Credit". The burden "can be easily obtained.

While specific embodiments of the invention have been described and illustrated above, it will be apparent that the invention may be embodied in various modifications by those skilled in the art. Such modified embodiments should not be understood individually from the technical spirit or point of view of the present invention and such modified embodiments should fall within the scope of the appended claims of the present invention.

Claims (7)

It consists of a combination of the optional overdue information notification process and the overdue information supplement service process according to the management system of any affiliated company connected to the online network and the series of event data transmitted from the user side client. The delinquent information notification process includes determining whether or not a series of delinquent information including a delinquent / declaration history of a specific delinquent is transmitted from the partner company management system; When the delinquent information is transmitted from the partner company management system, registering the delinquent information in the D / B block and generating a series of delinquent notification mails reflecting the delinquent information; Transmitting the overdue notification mail to a mail account of a specific overdue recorded in the overdue information; Updating the overdue notification information previously stored in the D / B block according to the transmission of the overdue notification mail. The method of claim 1, further comprising: after the updating of the overdue notice information, monitoring the overdue notice information to determine whether the specific overdue person is a subject of bad credit registration; If the specific delinquent is the subject of bad credit registration, delinquent information management method based on the on-line network, characterized in that further registering the delinquent in the D / B block as a bad credit. The method of claim 1, wherein the delinquent information addition service process determines whether a series of login events have occurred from the user side client, and when the login event has occurred from the user side client, the delinquency attributable to the user. Determining whether there is a presence; If there is an overdue history belonging to the user, transmitting a series of overdue inquiry guide pages for guiding the overdue inquiry process of the user to the client side; Determining whether a series of overdue inquiry events corresponding to the overdue inquiry guide page has occurred from the user side client; When the overdue inquiry event occurs from the user side client, generating a series of overdue confirmation pages based on the overdue details belonging to the user, and transmitting the completed overdue confirmation page to the user side client. Delinquency information management method based on the online network comprising a. 4. The method of claim 3, further comprising: after the step of transmitting the overdue confirmation page to the user-side client, determining whether a series of overdue payment-related events for repayment of the overdue payment has occurred from the user-side client; When the overdue payment event occurs from the user side client, transmitting a series of overdue payment guide pages to guide the user's overdue payment process; Determining whether or not a series of overdue payment information corresponding to the overdue payment guide page has been transmitted from the user side client; If the overdue payment information is transmitted from the user-side client, the overdue information management method based on the on-line network, characterized in that further comprising the step of collectively updating the overdue related information belonging to the user. 4. The method of claim 3, wherein after the step of transmitting the overdue confirmation page to the user side client, a series of overdue notification address change events for changing the overdue notification address assigned to the user from the user side client is performed. Determining whether it has occurred; When the overdue notification receiving address change event occurs from the user side client, transmitting a series of overdue notification address change guide pages for guiding a process of changing the overdue notification receiving address of the user to the user side client; Determining whether a series of overdue notification address change information corresponding to the overdue notification address change guide page has been transmitted from the user side client; Requesting to approve the change of the overdue notification receiving address to the specific affiliated party management system specified in the overdue notification receiving address change information when the overdue notification receiving address change information is transmitted from the user side client; Determining whether a series of approval information has been transmitted from the specific partner company management system; When the approval information is transmitted from the specific partner company management system, the overdue information management based on the online network further comprises the step of collectively updating and updating the information related to the overdue notification receiving address belonging to the user. Way. 4. The method of claim 3, wherein after the step of transmitting the overdue confirmation page to the user side client, a series of overdue notification address change events for changing the overdue notification address assigned to the user from the user side client is performed. Determining whether it has occurred; When the overdue notification receiving address change event occurs from the user side client, transmitting a series of overdue notification address change guide pages for guiding a process of changing the overdue notification receiving address of the user to the user side client; Determining whether a series of overdue notification address change information corresponding to the overdue notification address change guide page has been transmitted from the user side client; When the information on the overdue notice receiving address is transmitted from the client of the user, the overdue information based on the online network further comprises the step of collectively updating the information related to the overdue notice address belonging to the user. How to manage. Determining whether a series of delinquent information including a delinquent / delay history of a specific delinquency has been transmitted from any affiliate management system connected to the online network; When the delinquent information is transmitted from the affiliated company management system, registering the delinquent information in the D / B block and additionally registering the delinquent mail information in the delinquent information transmission target list; Judging whether or not the time of batch transfer of the overdue notice mail has arrived; Generating a series of delinquent notification mails reflecting delinquent information of individual delinquents registered in the delinquent information transmission target list when the delinquent notification mail collective transmission point has arrived; Collectively transmitting the overdue notification mail to the mail accounts of the individual overdue persons recorded in the overdue information transmission target list; Updating the overdue notification information previously stored in the D / B block at a time according to the batch transmission of the overdue notification mail.