KR20040009039A - System and Method for emloyed Encouragement of leanring financial - Google Patents

Abstract

PURPOSE: A system and method for managing a scholarship financial service is provided to turn funds smoothly by reducing educational expenses of a student client, investing a partial portion of loaned money of educational expenses, thereby creating a profit. CONSTITUTION: A service supply server executes a guarantee for an educational expenses lending of a financial server for a client terminal, manages educational expenses being lent from the financial server, creates a profit, supplies a partial portion of educational expenses lent to the client terminal, and repays educational expenses lent from the financial server using the remaining amount of the loaned money and a profit in accordance with the managing result. The service supply server includes the follow elements. An interface unit(201) interfaces the service supply server and a communication network(400). An insurance policy authentication requesting unit(204) requests an authentication of an insurance policy certificate for guaranteeing a lending of the client terminal to the financial server. A judgment unit(205) examines a lending qualification of the client terminal. An insurance policy issuing unit(207) issues an insurance policy of the client terminal for enabling the client to lend educational expenses in the financial server. An educational expenses managing unit(209) manages educational expenses lent from the financial server and creates a profit. A memory(215) stores various kinds of data for managing the scholarship financial service. A CPU(213) manages the educational expenses and repays educational expenses lent in the client terminal to the financial service when repayment time is reached.

Description

System and Method for emloyed Encouragement of leanring financial}

The present invention relates to a financial services management system and method, and more particularly, when a client registered as a member applies for student loans, guarantees the client to the financial server, pays a certain amount of the loan to the client, The present invention relates to a financial service management system and method for generating profits with the remaining amount of money and allowing a loan to be settled to a financial server after a certain period.

Currently, university students in Korea cannot concentrate on their studies due to the burden of admission fee (admission fee) and tuition fee (study registration fee), and it is our situation that the burden of tuition fees also increases. In order to relieve the current burden, the state and financial institutions provide loans to students at low rates. However, the need for a guarantor and the repayment of loans are a great burden for students without financial ability. The efficiency is extremely low.

Accordingly, the present invention is to solve such a problem (s), the object of the present invention is to reduce the burden of school expenses to the client of the student status, and to make a profit by investing a certain amount of the student loans It is to provide a scholarship financial service operation system smoothly.

Another object of the present invention is to provide a method for operating a scholarship financial service using the system described above.

1 is an overall configuration diagram of a scholarship financial service operating system according to the present invention,

2 is a block diagram showing a detailed configuration of a service providing server shown in FIG.

3 is a flowchart illustrating an operation process of the method for operating a scholarship financial service according to the present invention.

<Description of the code used in the main part of the drawing>

100: client terminal 200: service providing server

201: interface unit 202: member authentication unit

203: member database 204: insurance certificate certification request unit

205: Judgment unit 206: Notification unit

207: Insurance Policy Issuance Unit 208: Insurance Policy Issuance Number Database

209: School Finance Department 210: School Finance Information Database

211: university information inquiry unit 212: university information database

213: central processing unit 214: schedule database

215: Memory 300: Financial Server

400: network 500: investment target

A feature of the present invention for achieving such an object (s) is that a client terminal having a communication network connection function, a financial server for loaning student money, and a service providing server for providing a scholarship financial service can communicate with each other through a communication network. In the configured system: The service providing server performs a guarantee for the financial server to loan the student loan to the client terminal, generates a profit by operating the student loan loaned from the financial server, and generates a portion of the student loan loaned to the client terminal. It pays and repays the student loans from the financial server with the remaining amount of the loan and the profits from the operation result.

Here, the service providing server, the interface unit for interfacing the service providing server and the communication network; An insurance certificate authentication request unit for requesting authentication of an insurance certificate certificate to guarantee a loan of a client terminal to a financial server; A determination unit for judging loan eligibility of the client terminal; An insurance certificate issuing unit for issuing an insurance certificate for guaranteeing the client terminal to loan the student money from the financial server if the client terminal is eligible for the loan as a result of the determination of the determination unit; A student finance operation unit which generates profits by operating student loans loaned from a financial server according to a predefined procedure; Storage means for storing various data for operating the scholarship financial service; It is preferable to include a central processing unit that operates the school expenses according to a predefined schedule and repays the student loans loaned to the client terminal to the financial server when the repayment period arrives.

In addition, the storage means may include: an insurance certificate issuance number database in which an issuance number of the insurance certificate is stored so as to prevent duplicate issuance of the insurance certificate and to prevent fraudulent loans due to an illegal insurance policy; A student finance operation information database which stores operation information of student loans loaned from the financial server; It is preferable to include a schedule database in which an operating schedule of the central processing unit is stored.

In addition, the service providing server, the member database for storing the member information of the client terminal registered as a member; The apparatus may further include a member authentication unit comparing the user information transmitted from the connected client terminal with the member information stored in the member database to determine whether the connected client terminal is a registered member.

The service providing server may further include a notification unit for downloading and displaying the determination result of the determination unit on the client terminal.

In addition, the service providing server, the college information database for storing college information related to colleges across the country; The apparatus may further include a university information inquiry unit that detects university information stored in the university information database and provides the client information to the client terminal according to a request of the client terminal.

In addition, the student loan management unit, the student loan payment from the financial server to pay the amount corresponding to the predetermined predetermined blank in the client terminal; It is desirable to make a profit by investing in the investment target for the remaining amount.

On the other hand, another feature of the present invention is a scholarship finance using a system configured to communicate with the client terminal having a communication network connection function, a financial server for loaning student funds, and a service providing server for providing a scholarship financial service through the mutual communication network A method of operating a service: When a client terminal applies for a student loan to a financial server and applies for a scholarship financial service to a service providing server, the service providing server requests authentication of an insurance certificate for guaranteeing the client terminal from the financial server. and; If the financial server authenticates the insurance certificate, the client terminal determines whether the student loan is eligible; As a result of the examination, if the client terminal is eligible for a loan, the insurance certificate is transmitted to the financial server, and the registration number of the insurance certificate is linked with the user information of the client; Generate profits by operating student loans loaned from financial servers; When the repayment period arrives, the student loans are repaid to the financial server using the school expenses and profits.

Where a request is made to input user information to the client terminal; Compare the user information transmitted from the client terminal with the previously registered member information and determine whether to be a registered member according to the result; In this case, it is preferable that the client terminal performs the scholarship financial service only for the registered member. In addition, payment to the client terminal an amount corresponding to a predetermined percentage of the student loan loaned from the financial server; It is advisable to make money for the rest of the money by investing in the subject of investment.

Hereinafter, preferred embodiment (s) of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are displayed on different drawings. In addition, in the following description there are shown a number of specific details, such as components of the specific circuit, which are provided to help a more comprehensive understanding of the present invention that the present invention may be practiced without these specific details in the art It will be self-evident to those of ordinary knowledge. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a block diagram showing the overall configuration of the scholarship financial service operating system according to the present invention, a block diagram showing the detailed configuration of the service providing server shown in FIG. An operational flow chart is shown that describes the process of operating a scholarship financial service.

Referring to Figure 1, the overall configuration of the present invention, the client terminal 100, the service providing server 200 and the financial server 300 is configured to communicate with each other via the communication network 400, the service providing server ( 200 is configured to directly invest in the investment target 500 and online and offline. Here, the communication network 400 is defined to include all of the Internet network, access network, local area network, wired network, and the like.

That is, the client terminal 100 applies for student loans to the financial server 300 and registers for the scholarship financial service to the service providing server 200. In addition, the service providing server 200 guarantees the student loan to the financial server 300, the financial server 300 loans the student money requested by the client terminal 100 in accordance with the guarantee result and pays to the service providing server 200 do. The service providing server 200 pays the client terminal 100 a certain percentage of the school expenses paid from the financial server 300, and generates profit by investing in the investment target 500 for the remaining student funds.

After the student loan repayment period arrives, the service providing server 200 pays a surplus scholarship to the client terminal 100 for the profits and principals generated by the investment activity on the investment target (500).

Meanwhile, referring to FIG. 2, a detailed configuration of the service providing server 200 will be described. The interface unit 201 interfaces the service providing server 200 and the communication network 400.

The member authentication unit 202 compares the user information of the client terminal 100 connected to the service providing server 200 with the member information stored in the member database 203 to determine whether the connected client is a registered member.

When the client registered as a member applies for scholarship financial services, the insurance certificate authentication request unit 204 issues a certificate of insurance policy for student loan so that the financial server 300 can loan the student money to the client. Send to server 300.

The determination unit 205 examines and determines the loan eligibility of the client according to the result of authenticating the certificate sent by the insurance certificate authentication request unit 204 in the financial server 300.

The notification unit 206 downloads and displays the determination result of the loan qualification determined by the determination unit 205 to the client terminal 100.

The insurance certificate issuing unit 207 generates an insurance certificate that guarantees that the financial server 300 can loan student money to the client terminal 100, and then transmits the insurance certificate to the financial server 300. The number of insurance policies is linked and stored in insurance policy issuance number database 208.

The student loan management unit 209 operates the student loan according to a predetermined procedure using the student loan provided by the financial server 300. That is, a certain amount of student loans loaned from the financial server 300 are paid to the client, and the remaining student funds are invested in the registered investment target 500 (venture capital, SMEs, financial institutions, stocks, bonds, etc.). The operation information is stored in the student finance operation information database 210.

When the university information inquiry unit 211 receives a request from the client terminal 100, the university information inquiry unit 211 inquires information about various universities in the country stored in the university information database 212 (recruitment number, department, grades, school expenses, etc. of the university). After detecting the information of the university requested by the client terminal 100, it is downloaded and displayed on the client terminal 100.

The central processing unit 213 generally controls various operations of the service providing server 200 according to a preset program. That is, the central processing unit 213 determines whether the client is a member based on the user information input from the connected client terminal 100, and issues an insurance certificate that guarantees that the student can be loaned to the client. It operates a student loan loaned from the financial server 300, and provides various university information of the country to the client terminal (100). In addition, the central processing unit 213 manages the schedule for the loan repayment date and the investment target 500 of the client according to the schedule registered in the schedule database 214, and when the repayment date arrives to the financial server 300 While repaying the loan, it manages various investment conditions according to the investment schedule for the investment target 500.

The memory 215 stores various programs to be executed by the CPU 213 and temporarily stores temporary data generated while the CPU 213 is executing the program.

The present invention having such a configuration will be described with reference to FIG. 3 as follows.

When the client applies for the student loan to the financial server 300 using online / offline, and the client terminal 100 accesses the service providing server 200 through the communication network 40 (S101), the service providing server 200 The member authentication unit 202 in the) downloads the login screen to the client terminal 100 and requests the client terminal 100 to transmit user information (identifier, password, etc.) (S102). Accordingly, when the client inputs user information, the input user information is transmitted from the client terminal 100 to the member authentication unit 202 via the communication network 400 and the interface unit 201, and the member authentication unit 202 The user information transmitted from the client terminal 100 is compared with the member information stored in the member database 203 to determine whether the corresponding client is a member (S103).

If it is determined in step S103 that the client is not a member, the member authentication unit 202 transmits a web page that invites membership to the client terminal 100 (S104).

If the client is determined to be a member in step S103, the central processing unit 213 sends a web page requesting to select a type of service (university information service, scholarship financial service) to the client terminal 100. Download and display, and wait until a response is received from the client terminal 100.

Here, when the client terminal 100 selects the university information service (S105), the university information inquiry unit 211 inquires and detects university information requested by the client from the university information database 212, and detects the result of the client terminal ( 100) to download and display (S106)

If the client terminal 100 selects the scholarship financial service in step S105, the central processing unit 213 receives the scholarship financial service for the client (S107), and the insurance certificate authentication request unit 204. ) Transmits the insurance certificate certificate of the client for loaning the student money to the financial server 300 to request the authentication of the insurance certificate certificate (S108). The financial server 300 authenticates the certificate of the insurance certificate transmitted from the insurance certificate authentication request unit 204 (S109), and notifies the service providing server 200 of the result.

When the authentication result of the certificate is received from the financial server 300, the determination unit 205 determines whether the client is eligible for the loan of school expenses, and the notification unit 206 determines the result of the loan qualification determination of the client terminal 100. ) To download and display. Here, if it is determined that the client is suitable for the loan eligibility, the insurance certificate issuing unit 207 issues a new insurance certificate issuing number so that it does not overlap with the insurance certificate issuing number registered in the insurance certificate issuing number database 208, the financial server. At the same time, the insurance certificate issuing number is linked to the client information and the client information is linked to the insurance certificate issuing database (208), and the client terminal 100 is notified of the issuance of the insurance certificate (S110). .

Subsequently, when the financial server 300 pays the student loan to the service providing server 200 according to the insurance certificate transmitted from the insurance certificate issuing unit 207, the student finance operation unit 209 performs the predefined procedure. Accordingly, a portion of the school expenses paid by the financial server 300 is paid to the client terminal 100 (S111), and the remaining school funds are invested in the investment target 500 (S112). In other words, in the general case, when a student status user applies for a student loan to a financial institution, the repayment period is nine years, and the interest rate of the loan is 5.75%. Here, assuming that the interest rate is 9% when the general public invests in a company or trusts or deposits with a financial institution, a difference of 3.25% occurs. Accordingly, the school expenses management unit 209 converts the profit of 3.25% corresponding to the remaining portion into nine years, pays the client terminal 100 to use the amount as part of the school expenses, and invests the remaining amount in the investment target 500. do. In addition, the central processing unit 213 is the operation state of the student funds (date paid to the client terminal 100 and the date invested in the investment target 500 and the repayment date of the student funds, etc.) to the predetermined database 214 It is registered.

Thereafter, the central processing unit 213 searches the schedule database 214 and if there is a schedule with a repayment date (S113), the profit generated by investing in the investment target 500 (for example, interest of 9%) Using the amount invested for nine years) and the principal, the student loan loaned to the client is repaid to the financial server 300 (S114), and if the profit generation exceeds the loaned student loan, the client terminal 100 ) As a surplus scholarship.

As described above, although the specific embodiment (s) have been described in the detailed description of the present invention, various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiment (s), but should be defined not only by the claims below, but also by those equivalent to the claims.

As a result, according to the scholarly financial services operating system and method according to the present invention the following advantage (s) occurs.

That is, if a client registered as a member of the service providing server applies for a student loan to the financial server and selects a scholarship financial service to the service providing server, the student provides a portion of the loan to the client as a student loan and operates the remaining amount of profit. By repaying the loans made to the client with the profits and principals generated, and paying the surplus as a scholarship, the student's financial burden is reduced.

In addition, the student loan service is actively operated, and the student loans from the financial server increase the chances of investing in the investment target, making it easy to secure the funds for the investment target and smoothly operating the funds, resulting in economic development. Occurs.

In addition, by providing a surplus scholarship for the profit portion of the investment, the burden on the student's school expenses is further reduced, and the opportunity for scholarship payments increases, allowing more clients to benefit from the scholarship.

Claims (10)

Claims [1] A system comprising a client terminal having a network connection function, a financial server for loaning student loans, and a service providing server for providing a scholarship financial service to communicate with each other through a communication network; The service providing server performs a guarantee for the financial server to loan student money to the client terminal, generates a profit by operating the student money loaned from the financial server, and generates a portion of the student money loaned to the client terminal. Scholarship financial service operating system, characterized in that for repaying the student loan loaned from the financial server with the remaining amount of the loan and the profits according to the operation result. The method of claim 1, wherein the service providing server, An interface unit for interfacing the service providing server with the communication network; An insurance certificate authentication request unit for requesting authentication of an insurance certificate certificate for guaranteeing the loan of the client terminal to the financial server; A determination unit for judging loan eligibility of the client terminal; An insurance certificate issuing unit for issuing an insurance certificate for guaranteeing the client terminal to loan student loans from the financial server if the client terminal is eligible for a loan as a result of the determination of the determination unit; A student loan operation unit that generates profit by operating a student loan loaned from the financial server according to a predefined procedure; Storage means for storing various data for operating the scholarship financial service; And And a central processing unit for operating the student loan according to a predetermined schedule and repaying the student loan loaned to the client terminal when the repayment period arrives. The method of claim 2, wherein the storage means, An insurance certificate issuing number database in which an issuance number of the insurance certificate is stored to prevent duplication of the insurance certificate and to prevent fraudulent loans due to an illegal insurance policy; A student finance operation information database which stores operation information of student loans loaned from the financial server; And Scholarship financial services operating system including a schedule database that stores the operating schedule of the central processing unit. The method of claim 2, wherein the service providing server, A member database that stores member information of the client terminal registered as a member; And And a member authentication unit for comparing the user information transmitted from the connected client terminal with the member information stored in the member database to determine whether the connected client terminal is a registered member. The method of claim 2, wherein the service providing server, And a notification unit for downloading and displaying the determination result of the determination unit on the client terminal. The method of claim 2, wherein the service providing server, A university information database for storing university information related to universities throughout the country; And And a college information inquiry unit which detects the college information stored in the college information database and provides the client terminal to the client terminal according to a request of the client terminal. The method of claim 2, wherein the school expenses management unit, Paying the client terminal an amount corresponding to a predetermined predetermined ratio among the student loans loaned from the financial server; A scholarship financial service operating system, which generates profit by investing in the subject of investment for the remaining amount. A method for operating a scholarship financial service using a system configured to communicate with a client terminal having a network connection function, a financial server for loaning student funds, and a service providing server for providing a scholarship financial service through an intercommunication network; When the client terminal applies for a student loan to the financial server and applies for a scholarship financial service to the service providing server, requesting the financial server to authenticate the insurance certificate for guaranteeing the client terminal to the financial server. ; If the financial server authenticates the insurance certificate, determining whether the client terminal is eligible for student loans; As a result of the examination, if the client terminal is eligible for a loan, transmitting the insurance certificate to the financial server, and registering the issuance number of the insurance certificate and the user information of the client; Generating profit by operating the student loan loaned from the financial server; And And repaying the loans to the financial server using the school expenses and profits when the repayment period arrives. The method of claim 8, Requesting the client terminal to input user information; And Comparing the user information transmitted from the client terminal with previously registered member information and determining whether the member is a registered member according to the result; A method for operating a scholarship financial service, characterized in that to perform the scholarship financial service only when the client terminal is a registered member. The method of claim 8, wherein the financial aid operation step, Paying the client terminal with an amount corresponding to a predetermined ratio among the student loans loaned from the financial server; And A method of operating a scholarship financial service that includes making a profit by investing in the subject of the remainder.