KR20040093581A - System and Method for Mobile Loan Service Using Mobile Communication Terminal - Google Patents

Abstract

PURPOSE: A system and a method for providing a mobile loan service using a mobile terminal are provided to allow a user to conveniently get a loan by providing loan goods information to a mobile terminal based on various database. CONSTITUTION: A user is connected to a mobile loan server(S101) and authenticated for using of a loan service(S102). When the user selects a loan request menu(S103), credit information of the user is requested from a credit agency server(S104). The mobile loan server requests information on goods that the user can get loan(S105) and displays a simple list of various loan goods information on a display unit of the mobile terminal of the user(S106). The user selects one of the information and requests a loan(S107) and then inputs loan request information through a loan information input page(S108). The mobile loan server determines whether there is a virtual account of the user(S109). The mobile loan server transmits the loan request information and the virtual account information to the loan agency server(S111) and then a loan is inputted to the virtual account of the user(S112).

Description

System and method for mobile loan service using mobile communication terminal {System and Method for Mobile Loan Service Using Mobile Communication Terminal}

The present invention relates to a mobile loan service system and method using a mobile communication terminal. More particularly, the present invention provides a mobile communication terminal as a loan means instead of a conventional loan means such as a loan card or credit card, and the mobile communication system possesses. The present invention relates to a loan service system and a method for providing a loan product information through a mobile communication terminal based on various databases such as customer information so that a user of a mobile communication terminal can easily receive a loan service.

In recent years, as the use of mobile communication terminals has increased, various services using mobile communication terminals have been implemented. Among them, mobile banking and money transfer are one of the services using mobile communication terminals. By assigning an account, the use of electronic money through the virtual account is becoming active.

Currently, various types of customer loan services are implemented in the first financial sector and the second financial sector, but most of the lending methods are made by a person who wants to visit a financial company. Of course, in recent years, a method of providing a loan service through the Internet has been implemented, but this also has a problem that it is cumbersome because it is cumbersome to check a person's credit status and identity and requires a computer to access the Internet. .

Accordingly, the present invention has been made to solve all the disadvantages and problems pointed out in the conventional loan system as described above, so that it is possible to easily provide the loan product information and the loan service to the customer's account through the mobile communication terminal An object of the present invention to provide a mobile loan service system and method using a mobile communication terminal.

1 is a schematic structural diagram of a loan service system using a mobile communication terminal according to an embodiment of the present invention;

2 is a detailed configuration diagram of the mobile loan server of FIG. 1;

3 is a flowchart illustrating a loan process of a loan service method using a mobile communication terminal according to an embodiment of the present invention;

4 is a flowchart illustrating a loan reverse auctioning process of a loan service method using a mobile communication terminal according to an embodiment of the present invention;

5 is a flowchart illustrating a loan process of a loan service method using a mobile communication terminal according to another embodiment of the present invention;

6 is a flowchart illustrating a loan process of a loan service method using a mobile communication terminal according to another embodiment of the present invention.

<Explanation of symbols for main part of face>

10: mobile communication terminal 11: base station

12 base station controller 13 switchboard

14: short message service center 15: packet data service node

16: data core network 20: internet

100: Mobile Loan Server 101: Loan Customer Database

102: virtual account database 103: loan product database

104: reverse auction database 105: credit card information database

106: Insurance Information Database 107: Tuition Information Database

108: point information database 110: authentication unit

120: virtual account management unit 130: credit information inquiry unit

140: loan information provider 150: loan processing unit

160: Point Management Department 200: Loan Agency Server

300: credit institution server

An object of the present invention is to provide a loan customer database for storing information of a mobile communication terminal user who has been authenticated to receive a loan service using a mobile communication terminal and a loan product information provided from a plurality of loan agency servers. It is achieved by a mobile loan server for providing a loan service to a mobile communication terminal with internet access, having a product database and a loan information database for storing loan information for each user.

Details of the above object and technical configuration and the effects thereof according to the present invention will be more clearly understood by the following detailed description based on the drawings showing the preferred embodiments of the present invention.

First, Figure 1 is a schematic configuration diagram of a loan service system using a mobile communication terminal according to an embodiment of the present invention.

As shown, the mobile loan service system using the mobile communication terminal of the present invention includes a base station 11 performing wireless section communication with the mobile communication terminal 10, a base station controller 12 controlling the base station, and the base station controller A short message service center 14 connected to the exchange 13 to perform a call exchange, a short message service center 14 connected to the exchange 13 to provide a short message service to the mobile communication terminal 10, and a packet data service. And a mobile loan server 100 connected to the data core network 16 of the mobile communication system including the packet data service node 15 and the data core network 16 to perform.

The mobile loan server 100 is provided with a loan customer database 101 for storing information of a user who has been authenticated to receive a loan service using the mobile communication terminal 10, and is provided from each lender institution server 200. A loan product database 103 for storing loan product information and a loan information database (not shown) for storing loan usage information of each customer are provided.

In this case, the loan customer database 101 visits or loans to the lenders by wire or wirelessly to provide loan services of a plurality of loan institution servers 200 that provide loan product information in cooperation with the mobile communication system. Access to the institution server 200 to save the information of the user who performed the authentication by submitting an agreement for sharing credit information, agreement for loan service, and agreement for receiving loan service using his mobile terminal 10. do.

The loan institution server 200 after alliance for a mobile loan service with the mobile loan server 100 of the mobile communication system, after receiving the necessary consent from the user of the mobile communication terminal 10, the mobile communication terminal of the user ( 10) to provide the loan product information, etc. for performing wired and wireless marketing to the mobile loan server (100).

In addition, the mobile loan server 100 grants a virtual account to each user of the mobile communication terminal 10 to provide a loan service through the mobile communication terminal 10, the virtual account information of each user is virtual Is stored in the account database 102.

In this case, the virtual account is a non-real account in which electronic money in the form of data given for each number of the mobile communication terminal 10 is traded. The virtual account is newly created for the use of a loan service or previously created for the transaction of electronic money. The virtual account can be used as it is, it is natural that a loan service using a real account is also possible.

In addition, the mobile loan server 100 is connected to the credit institution server 300 for inquiring the credit information of the user to provide a loan service to the mobile communication terminal 10 of each user through the Internet 20 or a dedicated line do.

On the other hand, the credit institution server 300 is connected to the lender institution server 200 through the Internet 20 or a dedicated line in order to provide customer credit information to each lender institution server 200, the mobile loan server ( 100 may obtain credit information through the affiliated lender server 200 without performing direct data communication with the credit institution server 300.

The mobile loan server 100 illustrated in FIG. 1 will be described in more detail with reference to FIG. 2 as follows.

As shown, the mobile loan server 100 is a loan customer database 101 that stores personal information of a user who is provided with a loan service using the mobile communication terminal 10, and a virtual corresponding to each mobile terminal number. A virtual account database 102 for storing account information and a loan product database 103 for storing loan product information provided from each lending institution server 200 are provided.

At this time, the loan customer database 101, each user using the mobile communication terminal 10 of his own mobile communication terminal 10 and the authentication information and the authentication information that has been authenticated with the mobile communication system in order to receive a loan service In order to receive the loan products of the lenders affiliated with the mobile communication system by using the lender, the lender stores the authentication information for each lender institution 200 to perform authentication.

In addition, the mobile loan server 100 stores the loan conditions and user information when the user of the mobile communication terminal 10 inputs the loan conditions that the user wants to receive, so that each lender server 200 can bid. A credit card information database 105 having a reverse auction database 104 and storing payment date and payment date of the user for marketing by providing loan product information through the mobile communication terminal 10 of the user; An information database 106 and a tuition information database 107, the point information for storing a cashback point or a financial portal point, etc. to provide a point to each user receiving a loan service through the mobile loan server 100 Database 108 is provided.

The mobile loan server 100 having a variety of databases that store information related to customers and loan products as described above is the authentication unit 110 for performing authentication of the user connected to receive a loan service, and A virtual account manager 120 for creating and managing a virtual account for the user to receive and settle the loan, a credit information inquiry unit 130 for inquiring the credit information of each user through the credit institution server 300, Loan information providing unit 140 for providing loan product information using a text message (SMS) and the like to the user's mobile communication terminal 10, loan processing unit 150 for managing the deposit of the loan and the like and the user's accumulation It is configured to include a point manager 160 for managing points.

The authentication unit 110, when each user connects to the mobile loan server 100 using his mobile communication terminal 10 or a computer terminal capable of Internet access, and so on, requests the input of a password and the like. 101) to verify that the mobile communication terminal 10 of the connected user is an authenticated terminal to use the mobile loan service, and when the user selects a specific loan product and requests a transaction, By requesting an input, the user submits an agreement to the lending institution server 200 providing the loan product and authenticates whether the user has performed the authentication process.

In addition, the virtual account manager 120 checks whether the authenticated user has a virtual account for depositing a loan by referring to the virtual account database 102, and if the customer does not have a virtual account, A virtual account corresponding to the number is created and stored in the virtual account database 102.

Next, the credit information inquiry unit 130, when a user of the mobile communication terminal 10 selects a specific loan product and wants to provide a loan service or inquires his or her credit information, the mobile loan server ( Acquiring the credit information of the user through the credit institution server 300 connected to the credit institution server 300 or the lender institution server 200 connected to the credit institution server 300 through the Internet or a dedicated line, and the loan limit to the lender institution server 200. Used to perform an inquiry request.

The loan information providing unit 140 connects to the mobile loan server 100 through the mobile communication terminal 10 and requests an inquiry of a loanable product to the loan institution server 200 to the user. Information of the user and credit information of the user to receive loan limit and interest rate information for each lender and provide it to the mobile communication terminal 10, refer to the loan customer database 101 and loan product database 103 Provide loan products information to users in bulk using text messages or the like, or refer to credit card information database 105, insurance information database 106, and tuition information database 107 for each credit card payment date or insurance premium. When the payment date or tuition payment date arrives, a personalized loan award is sent to the user's mobile communication terminal 10 using SMS. Provide product information.

In addition, the loan information providing unit 140 may provide loan product information regardless of each user's credit rating, and the loan product information applied differently to the loan limit and loan interest rate for each user in consideration of the user's credit rating. You can also provide

Next, the loan processing unit 150 confirms the loan product information provided to each user's mobile communication terminal 10 through the loan information providing unit 140 as described above, and applies for a loan to use a specific loan product. Then, by performing the authentication with the lender institution server 200 that provides the loan product through the above-described authentication unit 110, by requesting the information required to apply for the loan, that is, loan amount, loan period, etc., The loan application information including the input information and the user's virtual account information or real account information is transmitted to the loan institution server 200 that provides the loan product.

The loan institution server 200 completes the deposit of the loan to the virtual account or the real account corresponding to the mobile communication terminal number of the user according to the loan application information, and notifies the loan processing unit 150, and The loan processing unit 150 displays the completed loan history information through the mobile communication terminal display unit of the user connected to the mobile loan server 100 or informs the loan history by SMS text message using a short message service center.

In addition, the loan processing unit 150 stores the loan history information for each user who has been loaned as described above in a loan information database (not shown).

Finally, the point manager 160 assigns points for each service to the user loaned through the mobile communication terminal 10 and stores them in the point information database 108.

Meanwhile, the point manager 160 may add points for each service use, such as a loan service and a reverse loan auction service, or pay a fee for using the service as the points, and increase the points according to the user's loan payment processing result. Or reduce or provide services such that each user can use his or her own points in a variety of ways.

Referring to the flow of a variety of services, such as loan process or loan reverse auction process of the mobile loan service system using a mobile communication terminal of the present invention as described above in detail.

First, FIG. 3 is a flowchart illustrating a loan process of a loan service method using a mobile communication terminal according to an embodiment of the present invention.

As shown, when a user accesses the mobile loan server 100 of the mobile communication system using his mobile communication terminal 10 (S101) and selects a loan service, the mobile loan server 100 moves the mobile loan. In order to provide a loan service to the communication terminal 10, the user is required to input a pre-registered password, and if the input password matches the information stored in the loan customer database, the user is authenticated through the approval for using the loan service ( S102).

Next, when the user selects a loan application menu among various menus of the loan service displayed on his mobile terminal 10 (S103), the credit institution server 300 to obtain credit information of the user who applied for the loan. In step S104, credit information such as a user's credit rating is requested.

The mobile loan server 100 receives the user's credit information from the credit institution server 300 and transmits the credit information to each lending institution server 200 affiliated with the mobile loan server 100 and the user Request information of loanable loan products (S105).

At this time, the mobile loan server 100 has the information of the lending institution in which the user submits the agreement to the use of the loan product in advance, and the loan product to the loan institution server 200 that the user can use the loan in advance. The lending information may be requested, and the lending institution server 200 may transmit the user's information so that each lending institution server 200 directly searches the lender's credit information.

On the other hand, each loan institution server 200 receiving the loan product information request signal transmits the loan product, loan limit and interest rate information that can be loaned according to the user's credit rating to the mobile loan server 100, The mobile loan server 100 displays a brief list of various loan product information received from each loan institution server 200 on the user's mobile communication terminal 10 (S106).

When the user who checks the information selects any one of the displayed information of the various loan products and requests a loan (S107), the mobile loan server 100 may request several loan applications to the mobile terminal 10. Sends a page requesting the input of information (loan amount, loan period, etc.).

In this case, when the user selects a specific loan product and requests a loan, the mobile loan server 100 confirms whether the user has signed a service use contract by submitting an agreement to a lender providing the loan product. In order to do so, it may be desirable to perform an authentication process by requiring input of an ID and password.

Next, when loan application information is input through the loan information input page from the mobile communication terminal (S108), the mobile loan server 100 refers to the virtual account database 102 to determine whether the virtual account of the user exists. In operation S109, if the user does not have a virtual account, a virtual account corresponding to the mobile communication terminal number of the user is generated and stored in the virtual account database (S110).

In addition, the mobile loan server 100 transmits the loan request information and the virtual account information to the loan institution server 200 that provides the requested loan product (S111) to perform a final loan application, and the loan institution server In operation S112, the loan 200 deposits a corresponding loan to the virtual account of the user based on the loan request information.

At this time, the loan institution server 200 deposits the loan to a specific account of the designated mobile loan server 100, the mobile loan server 100 the deposit amount in the form of electronic money of the user's virtual account You can also deposit with.

Next, when the loan amount requested by the user is deposited into the virtual account, the mobile loan server 100 displays a page indicating the loan history information on the mobile communication terminal 10 of the user, and separate loan details. An information text message may be transmitted to the mobile communication terminal 10.

On the other hand, the step of determining whether the virtual account exists (S109) and the virtual account creation step (S110), can be omitted if the user wants to deposit the loan to the real account, the real account information, the loan customer database 102 Alternatively, it may be stored in a database of the lender institution server, or when the user inputs the account information at the time of loan service, the mobile loan server or the lender institution server may be used by authenticating that the user's account through the bank. In the following description, for convenience of explanation, the description will be limited to the virtual account.

In addition, in the description of the present invention, all the loan service performing process is described as using the mobile communication terminal 10, but in some cases it may be used through a computer terminal capable of internet access.

4 is a flowchart illustrating a loan reverse auctioning process of a loan service method using a mobile communication terminal according to an embodiment of the present invention.

As shown, when the user accesses the mobile loan server 100 using the computer terminal or the mobile communication terminal 10 capable of internet access (S201), the user authentication step (S202) is performed as described in FIG. When the user selects the loan reverse auction menu, the user inputs a loan condition such as a loan amount or an interest rate to be received (S203).

Next, when a loan condition for loan reverse auction is input as described above, the mobile loan server 100 stores the condition in the loan reverse auction database 104 and discloses the bid condition to each affiliated loan server 200 to make a bid. Notify (S204).

The mobile loan server 100 checks in real time whether a bid is made by providing loan product information from a specific loan institution server 200 according to the loan reverse auction information that is announced in a bid (S205), and every time a loan product is bidd. The loan product information is transmitted to the user's mobile terminal using a text message (S206).

If the service user who has received the information on the plurality of loan products bid as described above does not select a specific loan product, the bid information notification step (S207) must continue until the auction period (S206), and the user When the specific loan product is selected for bidding, the mobile loan server 100 performs a loan process of the loan product (S209 to S212). Steps S209 to S212 are the same as S109 to S112 in the loan process described with reference to FIG. 3 and will be omitted.

Next, FIG. 5 is a flowchart illustrating a loan process of a loan service method using a mobile communication terminal according to another embodiment of the present invention, and describes a loan process through confirmation of a loan information text message.

First, as the mobile loan server 100 receives new loan product information from the loan institution server 200, the loan product database 103 is updated, or the loan product information is provided from the loan agency server 200 to the customer's mobile communication terminal. In the case of requesting to be provided to the user, a text message indicating loan product information is transmitted to the user's mobile communication terminal 10 (S301).

At this time, the loan product information, in addition to the above case, the mobile loan server 100 stores the credit card information database 105 that stores the credit card payment date information of each user, and the insurance payment date information of each user and The insurance information database 106 and the tuition information database 107, which stores tuition payment date information of each user, may be provided to provide loan product information before a situation in which a payment and payment for each customer occurs. In addition, it is possible to provide information using various databases.

Further, the loan product information is simply loan product information including the name of the loan product and the range of the loan interest rate, and may be transmitted collectively regardless of the credit rating of each user or the lending institution of each user. For example, information on loanable goods presented in consideration of each user's credit rating may be transmitted. In FIG. 5, a case of considering a credit rating will be described.

In addition, the text message for informing the loan product information as described above, including the URL information connected to the mobile loan server, it is preferable that the automatic connection to the server through the confirmation of the text message is made, the user directly mobile loan When accessing the server 100, the loan product information transmitted through the text message may be displayed immediately.

On the other hand, when the loan is requested through the confirmation of the received text message from the mobile communication terminal 10 of the user who received the text message providing the information of the loan product according to the customer-specific credit information as described above (S301), The mobile communication terminal 10 is automatically connected to the mobile loan server 100 (S302), and performs a user authentication process for receiving a loan service (S303).

In this case, when the received loan product information is information on a loan product determined in consideration of the user's credit information, when the selection of the loan product and the loan application are received through the confirmation of the text message, the mobile loan server ( In step 100, the student transmits loan application information, such as loan amount and loan period, to the user's mobile communication terminal 10 (S304), and transmits the input information and account information to the loan institution server 200 (S305). Accordingly, the deposit of the loan is completed (S306).

Next, FIG. 6 is a flowchart illustrating a loan process of a loan service method using a mobile communication terminal according to another embodiment of the present invention. Unlike FIG. 5, when loan product information is not considered, a credit rating of a user is transmitted. Explain the loan process.

First, a text message indicating general loan product information that is not considered whether the customer is available or the like is transmitted from the mobile loan server 100 (S401), and the reception is received from the mobile communication terminal 10 of the user who received the message. When a loan product is selected and a loan is automatically applied to the mobile loan server (S402), the mobile loan server 100 performs a user authentication process as in all loan stages (S403).

Next, the mobile loan server 100 inquires the credit information of the user through a credit institution server, and transmits the retrieved credit information to the lender institution server 200 that provides a loan product included in the text message Request the loan limit and interest rate information of the applied user (S404), the loan institution server 200 receives the user's information or credit information to calculate the loan limit and interest rate of the loan product selected by the user; If the loan limit and the interest rate are transmitted to the mobile loan server is displayed on the user's mobile terminal 10 (S405).

Next, when a loan is applied from the user who checks the loan limit and the interest rate information (S406), the mobile loan server 100 receives the loan amount and period from the mobile communication terminal and transmits it to the loan institution server 200, When the loan amount is deposited into the virtual account from the loan institution server 200, the loan process is completed (S408).

5 and 6, when a loan is applied through the reception of a text message, the mobile loan server 100 promotes loan service activation by giving points to the user who applied for the loan. You can do it.

On the other hand, in the above description, all of the loan service process of the present invention has been described as being made through a mobile communication terminal, but the use of the service to various personal mobile communication terminals such as a computer terminal or a PDA capable of Internet access will be described. Although the deposit account of the loan according to the loan service using the communication terminal is limited to the virtual account, it is natural that the deposit into the real account is also possible.

As those skilled in the art to which the present invention pertains may implement the present invention in other specific forms without changing the technical spirit or essential features, the embodiments described above should be understood as illustrative and not restrictive in all aspects. Should be. The scope of the present invention is shown by the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

Accordingly, the mobile loan service system and method using the mobile communication terminal of the present invention enables the user to use the mobile communication terminal in place of a loan means such as a loan card through a partnership between the mobile communication system and each lender. The loan service can be easily provided using a mobile communication terminal, which is a necessity, and a loan can be induced through differentiated marketing using a database of a customer possessed by the mobile communication system.

In addition, according to the present invention, as the loan is made using the mobile communication terminal, the mobile communication system can take a benefit of the fee from the lender providing the loan product, and each lender is required to issue the card and the separate marketing. In addition to saving costs, efficient marketing and profit generation are expected without sharing user information by sharing information of a user who has a mobile communication system in advance.

Claims (23)

A mobile loan server connected to the data core network of a mobile communication system including a short message service center and a data core network, the mobile loan server for providing a loan service to a mobile communication terminal with Internet access through the data core network. As a loan service system, The mobile loan server includes a loan customer database storing information of a mobile communication terminal user who has authenticated to receive a loan service using a mobile communication terminal, and a loan product storing loan product information provided from a plurality of loan agency servers. It has a loan information database for storing the database and loan information for each user, A virtual account database for storing virtual account information corresponding to the mobile communication terminal number and a virtual account manager for generating and managing the virtual account; An authentication unit for performing user authentication using the loan customer database to provide a loan service to the mobile communication terminal; A credit information inquiry unit for inquiring credit information of the user of the mobile communication terminal through a credit institution server that provides credit information when a loan request signal is received from the mobile communication terminal; Receive credit information of a mobile communication terminal user who requested a loan from the credit information inquiry unit and transmit the credit information to at least one loan institution server, and the loan limit and loan of the loan product available to the user according to the credit information from the loan agency server. A loan information provider for receiving interest rate information and providing at least one loan product information to the mobile communication terminal; If any one of the loan products is selected from the mobile communication terminal, the loan agency server providing the selected loan product transmits the virtual account information corresponding to the mobile communication terminal number to apply for a loan, and the loan agency server A loan processing unit for storing the loan history information in the loan information database and transmitting the loan money to the virtual account to the mobile communication terminal; Mobile loan service system using a mobile communication terminal, characterized in that consisting of. The method of claim 1, The loan information provider, When the condition of the loan product desired by the user is input from the mobile communication terminal, the mobile loan service system using the mobile communication terminal, characterized in that to provide the loan product information with reference to the loan product database. The method of claim 1, The mobile loan server, A reverse auction database for receiving and storing loan conditions desired by the user from the mobile communication terminal, and receiving and storing loan product information corresponding to the stored loan conditions from a plurality of loan institution servers; The loan information providing unit, when the loan product information that meets the loan condition is provided from the loan agency server, the loan product information is transmitted in real time to the mobile communication terminal through a short message service center of the mobile communication system. Mobile loan service system using a mobile communication terminal. The method of claim 3, The loan information provider, And when the loan condition from the user stored in the reverse auction database and the loan product information from the loan institution server are updated, the update information is transmitted to a plurality of loan agency servers. The method of claim 1, The mobile loan server has a credit card information database that stores credit card payment date information of the mobile communication terminal user, The loan information providing unit, when the credit card payment date is imminent, the mobile loan service system using a mobile communication terminal, characterized in that for transmitting the loan information text message to the mobile communication terminal of the user through a short message service center. The method of claim 1, The mobile loan server has an insurance information database 106 that stores premium payment date information of various insurances subscribed to by a mobile communication terminal user. The loan information providing unit, if the premium payment date is imminent, the mobile loan service system using a mobile communication terminal, characterized in that for transmitting the loan information text message to the mobile communication terminal of the user through a short message service center. The method of claim 1, The mobile loan server is provided with a tuition information database for storing tuition payment date information of the user of the mobile communication terminal, The loan information providing unit, when the tuition payment date is imminent, the mobile loan service system using a mobile communication terminal, characterized in that for transmitting the loan information text message to the mobile communication terminal of the user through a short message service center. The method of claim 1, The mobile loan server includes a point information database for storing point information for each user of the mobile communication terminal and a point manager for managing the point information. And the point manager accumulates corresponding points by referring to a loan information database storing loan information for each user of the mobile communication terminal. The method of claim 8, The point management unit, The loan information providing unit transmits the loan information text message to the user's mobile communication terminal, and accumulates the corresponding point of the user who confirmed the loan information text message. The method of claim 1, The loan processing unit, When one of the loan products is selected from the mobile communication terminal, the loan agency server providing the selected loan product is transferred to the loan institution server to apply for a loan, and the loan agency server transfers to the real account. When the loan is deposited, the mobile loan service system using the mobile communication terminal, characterized in that for storing the loan history information in the loan information database and transmitting to the mobile communication terminal. Loan customer connected to the data core network of the mobile communication system including the short message service center and the data core network, and stores information of the user of the mobile communication terminal that has been authenticated to receive the loan service using the mobile communication terminal. A loan product database for storing loan product information provided from a plurality of loan agency servers and a loan information database for storing loan information for each user, and a loan service to a mobile communication terminal capable of internet access through the data core network. As a loan service method of a loan service system comprising a mobile loan server for providing a, When the mobile communication terminal accesses the mobile loan server to receive a loan service, the mobile loan server requests the mobile communication terminal to input a password, and when the password is input from the mobile communication terminal, the loan customer database is entered. A first step of performing user authentication with reference to; A second step of requesting credit information by transmitting the user information of the mobile communication terminal to a credit institution server providing credit information when a loan application menu is selected from the authenticated mobile communication terminal; If the credit information of the user is transmitted from the credit institution server, the mobile loan server transmits the credit information to the plurality of loan institution servers to request information on loan products available to the user applying for the loan. Steps; When the loan limit and the loan interest rate information of the available loan products are transmitted from the plurality of loan agency servers according to the user's credit information, the mobile loan server transmits the loan product information presented by the respective loan agency servers to the mobile communication terminal. Displaying through a fourth step; When the loan request is made by selecting any one of the displayed loan product information from the mobile communication terminal and transmitting loan information including loan amount information and loan period information, the mobile loan server includes account information of the user. A fifth step of transmitting loan information to a loan institution server providing the selected loan product; And When the loan institution server deposits the loaned loan amount into the user's account and transmits the loan history to the mobile loan server, the mobile loan server stores the loan history in the loan information database of the user, A sixth step of transmitting loan history information to the mobile communication terminal; Mobile loan service method using a mobile communication terminal, characterized in that made. The method of claim 11, In the fifth step, the account information of the user that the mobile loan server transmits to the lending institution server is a mobile loan service method using a mobile communication terminal, characterized in that any one of a virtual account and a real account. The method of claim 11, After the sixth step, And transmitting, by the mobile loan server, a text message including the loan history information to the mobile communication terminal through a short message service center of a mobile communication system. . The method of claim 11, The mobile loan server has a point information database for storing point information of the user of the mobile communication terminal, After the sixth step, the mobile loan server further comprises the step of accumulating the points of the user in accordance with the loan history mobile loan service method using a mobile communication terminal. Loan customer connected to the data core network of the mobile communication system including the short message service center and the data core network, and stores information of the user of the mobile communication terminal that has been authenticated to receive the loan service using the mobile communication terminal. A loan product database for storing loan product information provided from a plurality of loan agency servers and a loan information database for storing loan information for each user, and a loan service to a mobile communication terminal capable of internet access through the data core network. As a loan service method of a loan service system comprising a mobile loan server for providing a, When the mobile communication terminal accesses the mobile loan server to receive a loan service, the mobile loan server requests the mobile communication terminal to input a password, and when the password is input from the mobile communication terminal, the loan customer database is entered. A first step of performing user authentication with reference to; When the loan reverse auction menu is selected from the user authenticated mobile communication terminal, the mobile loan server receives a loan condition desired by the user from the mobile communication terminal, and provides loan reverse auction information including the loan condition information to each loan institution server. A second step of publicly publishing the bid; When the loan product information corresponding to the loan condition information of the loan reverse auction information provided in the bid is provided from each loan agency server, the mobile loan server transmits the loan product information to the mobile communication terminal through a short message service center. Performing a third step; When any one of the loan product information provided from the loan agency server is selected from the mobile communication terminal that has received the loan product information, the mobile loan server provides the loan product with loan request information including user account information. Transmitting to a loan institution server; And When the loan institution server deposits the loaned loan amount into the account and transmits the loan history to the mobile loan server, the mobile loan server stores the loan history in the loan information database of the user, and the loan history A fifth step of transmitting information to the mobile communication terminal; Mobile loan service method using a mobile communication terminal, characterized in that made. The method of claim 15, In the fourth step, the account information of the user transmitted by the mobile loan server to the lender institution server is one of a virtual account and a real account, the mobile loan service method using a mobile communication terminal. The method of claim 15, After the fifth step, And transmitting, by the mobile loan server, a text message including the loan history information to the mobile communication terminal through a short message service center of a mobile communication system. . The method of claim 15, The mobile loan server has a point information database for storing point information of the user of the mobile communication terminal, After the fifth step, the mobile loan server further comprises the step of accumulating the points of the user according to the loan history mobile loan service method using a mobile communication terminal. Loan customer connected to the data core network of the mobile communication system including the short message service center and the data core network, and stores information of the user of the mobile communication terminal that has been authenticated to receive the loan service using the mobile communication terminal. A loan product database for storing loan product information provided from a plurality of loan agency servers and a loan information database for storing loan information for each user, and a loan service to a mobile communication terminal capable of internet access through the data core network. As a loan service method of a loan service system comprising a mobile loan server for providing a, A first step of the mobile loan server transmitting a text message for providing loan product information to the mobile communication terminal through the short message service center; When the mobile communication terminal accesses the mobile loan server to apply for the loan product through the confirmation of the text message, the mobile loan server requests the mobile communication terminal to input a password, and the password is received from the mobile communication terminal. A second step of performing user authentication with reference to the loan customer database when is inputted; When the loan information is transmitted from the authenticated mobile communication terminal, the loan information including the loan amount information and the loan period information is provided, the mobile loan server provides the loan product with loan request information including the account information of the user. Transmitting to a loan institution server; And When the loan institution server deposits the loaned loan amount into the account and transmits the loan history to the mobile loan server, the mobile loan server stores the loan history in the loan information database of the user, and the loan history A fourth step of transmitting information to the mobile communication terminal; Mobile loan service method using a mobile communication terminal, characterized in that made. The method of claim 19, In the third step, the account information of the user that the mobile loan server transmits to the lending institution server is a mobile loan service method using a mobile communication terminal, characterized in that any one of a virtual account and a real account. The method of claim 19, After the second step, Requesting credit information from the mobile loan server by transmitting the authenticated mobile communication terminal user information to a credit institution server providing credit information; When the credit information of the user is transmitted from the credit institution server, the mobile loan server transmits the credit information to a loan institution server that provides the loan product transmitted through the text message, so that the user can use the loan product. Requesting a possible loan limit; And Receiving, by the mobile loan server, a loan limit from the loan institution server and displaying the loan limit on the user's mobile communication terminal; Mobile loan service method using a mobile communication terminal, characterized in that further comprises a. The method of claim 19, After the fourth step, And transmitting, by the mobile loan server, a text message including the loan history information to the mobile communication terminal through a short message service center of a mobile communication system. . The method of claim 19, The mobile loan server has a point information database for storing point information of the user of the mobile communication terminal, After the fourth step, the mobile loan server further comprises the step of accumulating the points of the user in accordance with the loan history mobile loan service method using a mobile communication terminal.