KR20060021272A - Devices for processing transacting loan and consumption by using money on-line - Google Patents

Abstract

The present invention relates to an on-line cash consumption transaction processing apparatus, comprising: relaying a money consumption loan between a money consumer client terminal borrowing predetermined money and a money consumer loan client terminal transferring a predetermined amount of money to the money consumer client; The online cash consumption transaction processing apparatus is linked with a predetermined program installed in the money lending client terminal, and the predetermined money transfer information and the money consumption loan corresponding to the money transfer from the predetermined program installed in the money lending client terminal. Information for receiving condition information and receiving commitment information of the money-consuming borrower client with respect to the money-consuming loan condition information in association with a predetermined program installed in the money-consuming borrower client terminal and / or the money-consuming borrower client terminal; And a receiving unit and a storage unit storing the money consumption loan condition information in association with the consumer loan client and the money consumer loan client information in a predetermined storage medium.

Terminal, program, money, borrowing

Description

Devices for Processing Transacting Loan and Consumption by Using Money On-line}

1 is a simplified block diagram of a system according to a preferred embodiment of the present invention.

2 is a simplified block diagram of an information storage medium according to a preferred embodiment of the present invention.

3 is a simple conceptual diagram of a process for borrowing money using a predetermined program installed in a client terminal according to a preferred embodiment of the present invention.

4 is a simple flowchart of a borrowing process using a predetermined program installed in a client terminal according to a preferred embodiment of the present invention.

Figure 5 is a simplified illustration of a program screen for entering or selecting the money consumption loan contract information according to a preferred embodiment of the present invention.

FIG. 6 is a simplified illustration of a program screen for a cash consumption borrower client to input or select commitment information for money consumption loan condition information according to a preferred embodiment of the present invention.

7 is a simple flowchart of a borrowing process using a predetermined program installed in a client terminal according to a preferred embodiment of the present invention.

8 is a diagram illustrating an example of a program screen for repaying a loan amount according to money consumption loan condition information by a money consumption borrowing client according to a preferred embodiment of the present invention.

9 is a simple conceptual diagram of a borrowing process using a predetermined program installed in a client terminal according to another preferred embodiment of the present invention.

10 is a simple flowchart of a borrowing process using a predetermined program installed in a client terminal according to another preferred embodiment of the present invention.

11 is a simple exemplary diagram for inputting or selecting money loan agreement information through a predetermined program installed in a wireless terminal according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: information receiving unit

110: fund transfer 115: certification

120: storage unit 125: storage medium

130: consumer loan client terminal 135: consumer loan client terminal

140: (Banking) Program

The present invention relates to an on-line cash consumption transaction processing apparatus, which is linked to a predetermined program installed in the money lending client terminal and transfers a predetermined money transfer corresponding to the money transfer from a predetermined program installed on the lender client terminal. Receiving the information and the loan condition information and committing the money borrower client to the money loan condition information in association with a predetermined program installed in the money loan client terminal and / or the money borrower client terminal. And an information receiving unit for receiving information and a storage unit configured to process the money consumption loan condition information in association with the consumer loan client and the consumer loan client information and store the information on a predetermined storage medium.

In general, a loan of money is stipulated by a loan of a money consumer to transfer a certain amount of money to a borrower of money, and the borrower of the money is committed by returning the transferred money. Unlike a returning lease, the borrower takes ownership of the object and consumes it and then returns another object.

Until the development of Internet banking, the money consumption loans were prepared by handwriting between the money lenders and the money consumer loans, and the transferred money was transferred directly to the money consumers or the money consumption loans. It was a way of depositing into the borrower's account.

On the other hand, the Internet banking process a predetermined banking business through the interface of the network and the web browser called the Internet, the computer (eg, PC, etc.) connected to the Internet anywhere using the popular interface of the network and the web browser called the Internet ) And a web browser can be used for banking.

However, the Internet banking only provides a simple transfer service (immediate transfer, cash transfer / non-transfer transfer, reservation transfer, cash service transfer, transfer result inquiry, etc.), and if the transfer activity of the user conforms to the money consumption loan, the money There is an inconvenience that the consumer loan and the consumer borrower must meet (or by mail, e-mail, etc.) to prepare a separate contract for the money consumption loan separately, and to manage the consumption loan manually. In addition, when using a web browser, the bank side should reduce the load considerably on the settlement date or the end of each month.

In addition, even at the time of repayment, when a predetermined interest amount for the money consumption loan is added, it is troublesome to calculate the interest amount.

An object of the present invention for solving the above problems, in conjunction with a predetermined program installed on the money-consuming client terminal, predetermined money transfer information corresponding to the money transfer from a predetermined program installed on the consumer-client client terminal And receiving the loan condition information of the consumer, and confirming the borrower's client with respect to the loan condition information of the loan, in conjunction with a predetermined program installed in the loan consumer's terminal and / or the borrower's client terminal. And an information receiving unit for receiving information and a storage unit for processing the money consumption loan condition information in association with the consumer loan client and the consumer loan client information and storing the information on a predetermined storage medium. wife In providing a device.

The on-line cash consumption transaction processing apparatus according to the present invention for achieving the above object corresponds to the money transfer from a predetermined program installed on the consumer loan client terminal in association with a predetermined program installed on the loan client terminal. Receiving predetermined money transfer information and money consumption loan condition information and interworking with a predetermined program installed in the money consumption borrower client terminal and / or the money consumption client client terminal, the money consumption for the money consumption loan condition information And an information receiving unit for receiving the confirmation information of the borrower client and a storage unit for processing the money lending condition information in association with the lender client and the borrower client information and storing the information on the predetermined storage medium.

The present invention also provides a first step of executing a predetermined program installed in a consumer loan client terminal for transferring money to a borrowing client client, and a predetermined program corresponding to the money transfer in the predetermined program installed in the consumer loan client terminal. The second step of providing the money transfer information and the money consumption loan condition information to the server, the server in conjunction with the money consumption client terminal (or a predetermined program installed on the money consumer client terminal), A third step of receiving confirmation information of the money-consuming borrower client with respect to the loan-condition-condition information; Including the fourth step of storing it in It is characterized by.

According to the present invention, the money transfer information may include at least one or more remittance account information, password and / or secret key information, collection account information, and user authentication information.

In addition, according to the present invention, the money consumption loan condition information may include information included in the loan certificate and / or money loan agreement information.

For example, the money consumption loan condition information may include at least one or more identification information, borrowing amount information, borrowing date information, repayment period information, interest rate information, delinquent interest rate information, loan guarantor information for the borrowed money. .

According to the present invention, in the first step of executing a predetermined program installed in the consumer loan client terminal for transferring money to the money borrowing client, when the predetermined program is executed, user authentication of the money consumption client is executed. It may be configured to further include the step.

Here, unlike the banking method through the web browser interface, the predetermined program transmits and receives necessary data through the predetermined communication channel with the server, thereby distributing the load on the server and performing a safer and more convenient banking operation. To be installed on the client terminal through a download or a plug-in method for the server.

In addition, the user authentication may be performed based on an authorized certificate of the money consuming client stored in the money consuming client terminal or a predetermined storage medium (eg, smart card, floppy diskette, USB memory, etc.) connected to the terminal. have.

In addition, when the money-consuming client terminal is a wireless terminal, the user authentication may be performed based on the authentication information stored in the removable IC chip in the wireless terminal.

The wireless terminal may include a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), a personal handyphone system (PHS), a personal digital assistant (PDA), a smart phone, It may include at least one telematics.

In addition, the predetermined program installed in the wireless terminal is for performing a client-to-client monetary work according to the present invention, can be driven on the virtual machine mounted on the wireless terminal. Here, the program may further perform other financial services (eg, inquiry, transfer, remittance, loan, payment, etc.) in addition to the borrowing service according to the present invention.

Accordingly, the function for performing a cashless operation between the money lender client and the money consumer client according to the present invention may be provided in the form of a main service or an additional service on the predetermined program.

Preferably, in the first step, the official certificate and / or electronic signature of the money-consuming client in the predetermined program of the user authentication of the money-consuming client can be confirmed.

In this case, in order to maintain higher security, the predetermined program may perform borrowing between the money lender client and the money consumer client according to the present invention by authenticating the user through an authorized certificate of the client.

In addition, according to the present invention, the predetermined money transfer information (for example, remittance account information, password and / or secret key information, money collection account information, user) corresponding to the money transfer in a predetermined program installed in the consumer loan client terminal Authentication information, etc.) and money consumption loan condition information (e.g., confirmation information for money vehicles, borrowing amount information, borrowing date information, repayment period information, interest rate information for borrowing amount, delinquent interest rate information, guarantor information, etc.) to the server. The providing of the second step may further include providing an authorized certificate and / or electronic signature information of the client for consumption to the server in a predetermined program installed in the client device for consumption.

Further, in the second step of providing a predetermined money transfer information and money consumption loan condition information corresponding to the money transfer to a server in a predetermined program installed on the consumer client terminal, the server is installed on the client account client terminal; In conjunction with a predetermined program, it may be configured to further include the step of confirming and / or receiving an electronic signature of the consumer charter client.

In addition, according to the present invention, in the server in conjunction with the money-consuming borrower client terminal (or a predetermined program installed on the money-consuming borrower client terminal), the money-consumption borrower client's confirmation information on the money consumption loan condition information In a third step of receiving, the server may further comprise the step of verifying the official certificate of the consumer-client client and / or provided with an electronic signature.

In addition, the third server for receiving the confirmation information of the money-consuming borrower client with respect to the money-consuming loan condition information in conjunction with the money-consuming borrower client terminal (or a predetermined program installed on the money-consuming borrower client terminal) in the server In the step, the server may be configured to interoperate with a predetermined program installed in the consumer client terminal, confirming the official certificate of the consumer client and / or receiving an electronic signature.

In addition, the third server for receiving the confirmation information of the money-consuming borrower client with respect to the money-consuming loan condition information in conjunction with the money-consuming borrower client terminal (or a predetermined program installed on the money-consuming borrower client terminal) in the server In the step, it may be configured to further include the step of providing the money consumption loan condition information from the server to the money consumer client terminal.

Here, the money consumption loan condition information provided from the server to the money consumption client terminal is preferably provided through a predetermined program installed in the money consumption client terminal.

 For example, the third server may receive confirmation information of the money-consuming borrower client regarding the money-consuming loan condition information in association with the money-consuming client terminal (or a predetermined program installed in the money-consuming client terminal) at the server. In the step, it may be configured to extract the money consumption loan condition information in conjunction with the server in a predetermined program installed on the consumer client terminal.

However, the money consumption loan condition information specifies that the money consumption borrower client can also be provided through an e-mail or a wireless terminal.

In addition, the third server for receiving the confirmation information of the money-consuming borrower client with respect to the money-consuming loan condition information in conjunction with the money-consuming borrower client terminal (or a predetermined program installed on the money-consuming borrower client terminal) in the server In the step, the commitment information of the money-consuming borrower client may include information that the money-consuming borrower client agrees to the money-consumption loan condition.

In this case, the confirmation information of the borrower client of the money consumer borrower according to the money consumption loan condition information, including the information contained in the loan certificate presented from the borrower client and / or money consumption loan agreement information, This may be information indicating that the client intends to make a loan.

At this time, the money loan condition information, more specific information on the loan for the money loan agreement, borrowing amount information, borrowing date information, repayment period information, interest rate information on the loan amount, delinquent interest rate information, joint guarantor It may further include information.

In addition, according to the present invention, the fourth step of the server to process the cash consumption loan condition information in association with the consumer loan client and the consumer money client information to store in a predetermined storage medium, the money in the server And processing the loan condition information in association with the authorized client and / or the electronic signature information of the loan client and the borrower client and storing the loan condition information in the storage medium.

Further, in the fourth step of the server to process the cash consumption loan condition information in association with the consumer loan client and the money consumer loan client information to store in a predetermined storage medium, the server refers to the money transfer information, The money may be transferred to the borrower client account.

The method for cash vehicle according to the present invention may further comprise storing the money consumption condition information on a predetermined storage medium in a predetermined program installed in the consumer client terminal and / or a predetermined program installed in the consumer client terminal. It can be configured to further include.

In addition, the method for the vehicle according to the present invention, after the transfer of the money to the consumer account client account, when a predetermined period of time, when executing a predetermined program installed in the consumer client terminal and / or consumer client terminal, The method may further include outputting the money consumption loan condition to the consumer client terminal and / or the consumer client terminal in a predetermined program installed in the consumer client terminal and / or the consumer client terminal.

Here, the predetermined period of time is information that can be recorded in the money consumption loan condition information according to the present invention, and may be, for example, an interest calculation period and a money repayment period.

In addition, the method for the vehicle according to the present invention transfers the money to the borrower's client account, and after a predetermined period of time, a predetermined program and / or the consumer's program installed on the server and / or the client's client terminal. And a fifth step of automatically calculating an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition in a predetermined program installed in the borrower client terminal.

In addition, the method for the vehicle according to the present invention transfers the money to the borrower's client account, and after a predetermined period of time, a predetermined program and / or the consumer's program installed on the server and / or the client's client terminal. A fifth step of automatically calculating an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition in a predetermined program installed in the borrower client terminal; and a predetermined program installed in the server and / or the client loan client terminal; and / Alternatively, the method may further include a sixth step of adding the calculated interest amount to the borrowed amount in a predetermined program installed in the consumer client terminal.

In addition, the method for the vehicle according to the present invention transfers the money to the borrower's client account, and after a predetermined period of time, a predetermined program and / or the consumer's program installed on the server and / or the client's client terminal. Confirming the money repayment period corresponding to the money consumption loan condition in a predetermined program installed in the borrower client terminal and installed in the server and / or the predetermined program installed in the consumer client terminal and / or the borrower client terminal In a predetermined program, the method may further include notifying the money borrowing client and / or the money consumption client.

Here, the notification of the result of checking the repayment period may be provided through an e-mail, a wireless communication number, a messenger, or the like of the borrower client and / or the client.

In addition, the method for the vehicle according to the present invention, when the money-consuming borrower client repays the money to the money-consuming client, in the predetermined program installed on the server and / or the consumer-client client terminal, Extracting the associated predetermined money consumption loan condition information, the amount of money information and / or period information reimbursed by the money borrowing client in a predetermined program installed in the server and / or the paying client client terminal, and the storage medium; Determining whether the loan consumption condition information extracted from the payment condition information is matched with the server and / or the amount of money information and / or period information reimbursed by the borrower client, if the loan consumption condition information is satisfied; Or to the consumer loan client terminal In the deployed predetermined program may be configured to further comprise the step of issuing an electronic document containing the alphanumeric predetermined function corresponding to the cash payment to the cash consumption Borrower client.

On the other hand, a method of borrowing money according to another preferred embodiment includes a first step of executing a predetermined program installed in a borrowing client terminal borrowing predetermined money from a money lending client; A second step of providing predetermined money consumption loan condition information corresponding to the money borrowing program to a server, and interworking with the money consumption client terminal (or a predetermined program installed in the money consumption client terminal) at the server; A third step of receiving confirmation information of the money lender client regarding the money lending condition information and the server in connection with the money lender client and the money lender client information by processing the money lending condition information at the server; Save to a storage medium It can be configured to include a fourth step.

Preferably, the first step of executing a predetermined program installed in the borrowing client terminal borrowing a predetermined amount of money from the borrowing client client is to perform user authentication of the borrowing client when executing the predetermined program. It can be configured to further include a step.

Here, the predetermined program may further comprise the step of confirming the official certificate and / or electronic signature of the money-consuming borrower client.

Preferably, the second step of providing the server with predetermined money consumption loan condition information corresponding to the money borrowing in the predetermined program installed in the consumer client terminal, the server in the predetermined program installed in the consumer client terminal It may be configured to further include providing an authentication certificate and / or electronic signature information of the consumer borrower client.

Here, the second step of providing the server with predetermined money consumption loan condition information corresponding to the money borrowing in a predetermined program installed in the consumer client terminal, the predetermined program installed in the consumer client terminal in the server; In conjunction with, it may be configured to further include the step of confirming and / or receiving an electronic signature of the consumer borrower client.

Preferably, the server receives the confirmation information of the money consumer loan client with respect to the money consumption loan condition information, in conjunction with the money consumer loan client terminal (or a predetermined program installed on the money consumer loan client terminal); In step 3, the server transfers predetermined money transfer information (eg, remittance account information, password, and / or the like) from the consumer loan client terminal (or a predetermined program installed in the consumer loan client terminal) corresponding to the money loan condition information. Or receiving or selecting private key information, collection account information, user authentication information, etc.).

And a third in which the server receives the confirmation information of the money consumption loan client regarding the money consumption loan condition information in association with the money consumption loan client terminal (or a predetermined program installed in the money consumption loan client terminal). The method may include receiving or selecting predetermined money transfer information corresponding to the money consumption loan condition information from the consumer loan client terminal (or a predetermined program installed in the consumer loan client terminal) at the server and the server. The method may further include transferring the money to the money consuming client account with reference to money transfer information.

And a third in which the server receives the confirmation information of the money consumption loan client regarding the money consumption loan condition information in association with the money consumption loan client terminal (or a predetermined program installed in the money consumption loan client terminal). The step may be configured to further include the step of verifying an authorized certificate of the client for the consumer and / or receiving an electronic signature from the server.

The third step may further include verifying an authorized certificate of the consumer client and / or receiving an electronic signature in connection with a predetermined program installed in the consumer client terminal in the server. can do.

And a third in which the server receives the confirmation information of the money consumption loan client regarding the money consumption loan condition information in association with the money consumption loan client terminal (or a predetermined program installed in the money consumption loan client terminal). The step may further include providing the money consumption loan condition information from the server to the money consumption client terminal.

And a third in which the server receives the confirmation information of the money consumption loan client regarding the money consumption loan condition information in association with the money consumption loan client terminal (or a predetermined program installed in the money consumption loan client terminal). The step may be configured to further include extracting the money consumption loan condition information in conjunction with the server in a predetermined program installed in the consumer loan client terminal.

Here, the confirmation information of the money-consuming loan client with respect to the money-consuming loan condition information received in conjunction with the money-consuming client terminal (or a predetermined program installed on the money-consuming client terminal) in the server is the money consumption. The lender may include information that the client agrees to the loan condition.

In the fourth step of the server in connection with the consumer loan client information and the consumer loan client information and the cash consumption loan condition information is stored in a predetermined storage medium, the money consumption loan condition information in the server is the consumer loan It may be configured to further include the step of storing in the storage medium in association with the official certificate and / or digital signature information of the client and the consumer of the consumer.

The fourth step of the server to process the cash consumption loan condition information in conjunction with the consumer and client of the consumer loan client information stored in a predetermined storage medium, the server with reference to the money transfer information, And transferring the money to a consuming client account.

Herein, the method for borrowing money according to another preferred embodiment may include, in a predetermined program installed on the consumer client terminal and / or a predetermined program installed on the client client terminal, the cash consumption condition information on a predetermined storage medium. It may be configured to further include the step of storing.

After the transfer of the money to the money-consuming client account, when a predetermined period of time has elapsed, when the predetermined program installed in the money-consuming client terminal and / or the consumer-client client terminal is executed, the money-consuming client terminal and / or consumption The method may further include outputting the money consumption loan condition to the consumer client terminal and / or the consumer client terminal in a predetermined program installed in the client client terminal.

And after the money is transferred to the consumer account client account, after a predetermined period of time, a predetermined program installed in the server and / or the consumer account client terminal and / or a predetermined program installed on the consumer client terminal. The method may further include a fifth step of automatically calculating an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition.

And after the money is transferred to the consumer account client account, after a predetermined period of time, a predetermined program installed in the server and / or the consumer account client terminal and / or a predetermined program installed on the consumer client terminal. A fifth step of automatically calculating an interest amount based on a predetermined interest rate corresponding to the money lending condition and a predetermined program installed in the server and / or the consumer loan client terminal and / or the consumer loan client terminal The program may further include a sixth step of adding the calculated interest amount to the borrowed amount.

And after the money is transferred to the consumer account client account, after a predetermined period of time, a predetermined program installed in the server and / or the consumer account client terminal and / or a predetermined program installed on the consumer client terminal. Confirming a monetary repayment period corresponding to the monetary loan condition; and checking the monetary repayment period in a predetermined program installed in the server and / or the consumer loan client terminal and / or a predetermined program installed in the consumer loan client terminal. And notifying the money consuming client and / or money consuming client.

And, when the money-consuming borrower client repays the money to the money-consuming borrower client, predetermined money consumption loan condition information associated with the money-consuming borrower client information in a predetermined program installed in the server and / or the consumer loan client terminal Extracting the amount of money and / or period information reimbursed by the borrowing client in a predetermined program installed in the server and / or the paying client client terminal, and paying loan condition information extracted from the storage medium. And determining that the amount of money and / or period information reimbursed by the money-consuming borrower client matches the money-loan condition information, the server and / or a predetermined device installed on the consumer-client terminal. The above money in the program of The step of non-owners to the client issuing the electronic document containing the alphanumeric predetermined function corresponding to the cash redemption can be configured to further include.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to elements illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In addition, in describing the present invention, if 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 simplified block diagram of a system according to a preferred embodiment of the present invention.

Referring to FIG. 1, the system for borrowing money according to the present invention uses the money-consuming borrower client terminal 130 operated by the money-consuming borrower client borrowing predetermined money and the money consumption to transfer the predetermined money to the money-consuming borrower client. It may be configured to include a server 100 for relaying the money between the consumer loan client terminal 135 and the money borrowing client terminal 130 and the money loan client terminal 135 operated by the lender client.

Preferably, the money-consuming borrower client terminal 130 and the money-consuming loan client terminal 135 is provided with a predetermined program 140 (for example, predetermined program 140, etc.) in conjunction with the server 100. can do.

Here, the client terminal may include a wired terminal and / or a wireless terminal, for example, when the client terminal is a wireless terminal, Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital (PDC) Cellular (PHS), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smart Phone, may include at least one or more telematics.

Preferably, the transfer of money based on predetermined money loan condition information (for example, confirmation information for the loan, borrowing amount information, borrowing date information, repayment period information, interest rate information for the borrowing amount, delinquent interest rate information, guarantor information, etc.) The server 100 that performs the business transfers the money transfer information for the borrowing according to the present invention and the money consumption loan condition information according to the money transfer from the program 140 installed in the money lender client terminal 135. It may be provided (or temporarily stored) in a predetermined storage medium 125, the money transfer information and money consumption loan condition information provided from the program 140 installed on the money consumption client terminal 135 An image installed in the money-consuming borrower client terminal 130 or the money-consuming borrower client terminal 130 to receive the money transfer. Provided to the program 140, receiving predetermined confirmation information about the money consumption loan condition information accompanying the money from the program 140 installed on the money-consuming client terminal 130, based on the confirmation information And transfer a predetermined amount of money from the money consumption client account to the money consumption client account.

Preferably, the program 140 installed in the money consumption client terminal 135 generates money consumption loan condition information along with money transfer information when transferring money to the money consumption client. To provide.

In addition, the program 140 after the money transfer, in conjunction with the server 100, the money consumption loan condition information and / or condition execution information corresponding to the money consumption loan conditions the money consumption client terminal ( 135).

In addition, the program 140 may perform user authentication when the program 140 is executed, and may store the money consumption condition information on a predetermined storage medium 125.

In addition, the program 140 may automatically calculate an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition after a predetermined period of time after the money transfer to the money borrowing client account.

Here, the condition execution information may include interest rate information generated in response to the money loan condition and / or money repayment period information corresponding to the money loan condition.

For example, the interest rate information applied to calculate the interest amount to be provided to the consumer loan client by the consumer client may be included in the loan condition information of the money, and the interest rate information may be expressed as a percentage of the loan amount ( For example, 5 per year, 1 per month, etc.), or a ratio of interest per day to 100 won.

Here, the interest rate may be determined by mutually negotiating consumption loan condition information between the consumer loan client and the consumer borrower client (eg, contracted interest rate), but by law, a certain rate (eg, 5 punctures per year, 6 punctures, etc.) It can be determined by determining

According to a preferred embodiment of the present invention, the interest amount is automatically calculated through the program 140. The amount borrowed by the borrower client from the borrower client is 20,000,000 won, and the loan amount is based on the loan condition information. If the predetermined interest rate is one penny a month, the interest amount calculation unit of the server 100 or 100 calculates 20,000,000 when a month elapses from the day when the borrower client borrows the borrower 20,000,000 from the borrower client. The interest rate may be calculated by applying the interest rate to the won (eg, 20,000,000 won × 0.01 = 20,000 won).

More specifically, the server 100 may include a storage medium 125 that stores money transfer-related information according to money consumption loan condition information between the money lender client and the money consumer loan client, and the information receiving unit 105. ), By the storage unit 120, etc., implements the vehicle loan process according to the present invention.

Preferably, the information receiving unit 105 of the server 100 is linked to a predetermined program 140 installed on the money-consuming client terminal 135, the predetermined program (installed on the consumer-consuming client terminal 135 ( 140, predetermined money transfer information and money consumption loan condition information corresponding to the money transfer are received.

In addition, the information receiving unit 105 works in conjunction with a predetermined program 140 installed in the cash consumption client terminal 130 and / or the cash consumption client terminal 130, Receive confirmation information of the borrower client.

Preferably, the storage unit 120 processes the money consumption loan condition information in association with the consumer loan client and the money consumer borrower client information and stores it in a predetermined storage medium 125.

In addition, the storage unit 120 may store the money consumption loan condition information in association with an authorized certificate and / or electronic signature information of the money lender client and the money borrower client and store it in the storage medium 125. .

Preferably, the server 100 may be configured to further include an authentication unit 115 and the money transfer unit 110 for a smooth implementation of the present invention.

Here, the authentication unit 115 checks the authorized certificate of the money consumer loan client in conjunction with the predetermined program 140 installed in the money consumer loan client and / or the money consumer loan client terminal 135, and And / or be provided with an electronic signature.

In addition, the authentication unit 115 checks the official certificate of the money-consuming borrower client in conjunction with a predetermined program 140 installed in the money-consuming client and / or the money-consuming client terminal 130, and And / or may be provided with an electronic signature.

Preferably, the money transfer unit 110 refers to the money transfer information received by the information receiving unit 105, and transfers the money to the money consumption client account.

On the other hand, the system for borrowing money according to another embodiment of the present invention, the money-consuming borrower client terminal 130 borrowing a predetermined money and the money-consuming lender client terminal 135 transfers a predetermined amount of money to the money-consuming borrower client. ) And the server 100 relaying the money consumption balance between the money consumption client terminal 130 and the money consumption client terminal 135.

Preferably, the server 100, in conjunction with the predetermined program 140 installed in the consumer home client terminal 130, the money from the predetermined program 140 installed in the consumer client terminal 130 The predetermined amount of money consumption loan condition information corresponding to the borrowing is provided, and the money is interlocked with the predetermined program 140 installed in the money consumption loan client terminal 135 and / or the money consumption loan client terminal 135. The information receiving unit 105 for receiving the confirmation information of the money lender client and the predetermined transfer information corresponding to the money transfer, and the money lending condition information for the lending condition information of the lending client and the money lender. It may be configured to include a storage unit 120 to be stored in a predetermined storage medium 125 in association with the client information.

On the other hand, according to the present invention, the money consumer loan client terminal 135 generates the money consumption loan condition information along with the predetermined money transfer information to the server 100 when the money transfer to the money consumer client; After the function and the money transfer, in conjunction with the server 100, outputting the money consumption loan condition information and / or condition execution information corresponding to the money consumption loan conditions on the money consumption client terminal 135 And a recording medium characterized by recording a program (140) for realizing the function.

Here, the condition execution information corresponding to the money consumption loan condition may include interest rate information generated corresponding to the money consumption loan condition and / or money repayment period information corresponding to the money consumption loan condition.

Preferably, the program 140 may further realize a function of authenticating a user when the program 140 is executed and a function of storing the money consumption loan condition information in a predetermined storage medium 125.

In addition, the program 140 further realizes a function of automatically calculating an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition after a predetermined period of time after the money transfer to the money consumption client account. You can do that.

Preferably, the recording medium is located in the client wired terminal and / or wireless terminal.

The client wireless terminal may include a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), a personal handyphone system (PHS), a personal digital assistant (PDA), and a smart phone. It may be configured to include at least one telematics.

2 is a schematic diagram of an information storage medium 125 according to a preferred embodiment of the present invention.

Referring to FIG. 2, the information storage medium 125 according to the present invention includes a consumer information client file for storing the borrower client information for borrowing a predetermined money, a consumer loan client and / or a money consumer loan. The money loan condition information data file, which stores the money loan condition information provided from the predetermined program 140 installed in the client terminal 135, and information of the consumer loan client transferring money to the money consumer client. And a consumable client information data file to be stored.

Preferably, the consumer's client information data file and the loan's loan condition information data file may be stored in association with each other.

In addition, the storage medium 125 may further store the official certificate and / or electronic signature information of the consumer and / or the client for the consumer, the predetermined amount of interest information calculated in response to the loan condition information You can save more.

According to FIG. 2, the consumer's client information data file included in the storage medium 125 receives a predetermined amount of money from another client (a money consumer's client) according to a predetermined money consumption condition according to the present invention (amount of money). Borrowing), and information relating to the borrower client who repays the borrowed amount to the borrower client according to the borrowing condition is recorded.

For example, the borrower client information recorded in the borrower client information data file may be configured to include a borrower name, ID, password, account information, telephone number, e-mail, and the like.

In addition, referring to FIG. 2, the consumer loan client information data file included in the storage medium 125 provides a predetermined amount of money to another client (a money consumption loan client) according to a predetermined money consumption loan condition according to the present invention. (Transfer money), and the information related to the money-consuming lender client receiving the repayment of the borrowed amount from the money-consuming borrower client according to the money-consumption loan condition.

For example, the money consuming client information recorded in the money consuming client information data file may include the name, ID, password, account information, telephone number, e-mail, and the like.

According to the present invention, the money consumption loan condition information data file included in the storage medium 125 is a money consumption loan set according to the money transfer and repayment between the money consumer client and the money consumer client according to the present invention. Conditional information is recorded.

Preferably, the loan condition information for money consumption includes: borrower information, consumer loan information, remittance account information, collection account information, borrowed amount information, interest-containing amount information, borrowing date information, repayment period information, repayment period extension information, interest rate information. In addition, the delinquent interest rate information and the consumer loan agreement between the money consumer loan client and the money consumer loan client can be configured to include.

3 is a simplified conceptual diagram of a borrowing process according to a preferred embodiment of the present invention.

3 illustrates the use of the money borrowing condition information corresponding to the money borrowing between the money lending client and the money lending client in performing the borrowing between the money lending client and the money lending client according to the present invention. It is characterized in that the monetary lending client for performing a money transfer to provide through the predetermined program 140 installed in the monetary lending client terminal 135.

For example, the money lending condition information selected or input by the money lender client using the program 140 installed in the money lender client terminal 135 receives the money loan through the server 100. It may be provided as a program 140 installed in the money-consuming borrower client terminal 130, the money-consuming borrower client to the money consumption loan condition information provided from the program 140 installed in the money-consuming loan client terminal 135 By providing the confirmation information to the server 100 using the program 140 installed in the money-consuming borrower client terminal 130, the money borrowing between the money-lending client and the money-consuming borrower client can be made.

Referring to FIG. 3, the money lender client drives a predetermined program 140 (eg, a predetermined program 140 interworking with the server 100) installed in the money lender client terminal 135. (1-1), the predetermined money transfer information and the money consumption loan condition information corresponding to the money transfer are input or selected through a predetermined program 140 installed in the money consumption client terminal 135 (1). -2).

For example, the money transfer information may include at least one or more remittance account information, password and / or secret key information, collection account information, user authentication information, the money consumption loan condition information, the confirmation information for money, loan amount It may include at least one of information, borrowing date information, repayment period information, interest rate information for the borrowed amount, delinquent interest rate information, joint guarantor information.

Then, the predetermined program 140 installed in the money lender client terminal 135 provides the server 100 with the money transfer information and the money consumption loan condition information selected or input from the money lender client ( 2).

In addition, the server 100 transfers the money consumption loan condition information provided from the predetermined program 140 installed in the money consumption client terminal 135 to the program 140 installed in the money consumption client terminal 130. In operation 3-1, the program 140 installed in the money-consuming borrower client terminal 130 receives the confirmation information of the money-consuming borrower client with respect to the money-consuming loan condition information (3-2).

The server 100 processes the money consumption loan condition information in association with the consumer loan client and the money consumption client information based on the received confirmation information of the client. (4-1).

In addition, the server 100 transfers the borrowed money to the borrower's client account according to the money transfer information (4-2).

Subsequently, the server 100 automatically calculates an interest amount for the borrowing money (5) by referring to the money consumption loan condition information stored in the storage medium 125, and converts the calculated amount into the borrowing amount ( Principal) or in conjunction with the borrowed amount may be stored in the storage medium 125 (6).

4 is a simple flowchart of a borrowing process according to a preferred embodiment of the present invention.

Figure 4 is in accordance with the present invention in performing a loan between the money lending client and the money-consuming borrower client, the money consumption loan condition information for the money borrowing is established by the money-consuming loan client, the money consumption loan condition The process of transferring a predetermined amount of money to the money borrower client account by information is shown.

Referring to Figure 4, according to the present invention, a money transfer consumer loan client who wants to transfer money to an account of a money consumption client client according to a predetermined contract condition (for example, money consumption loan condition information, etc.). A predetermined program 140 (for example, the predetermined program 140 provided by the server 100, etc.) installed in the 135 is driven (400), and through the program 140 of the money transfer consumer loan client From the process of performing the validity verification, the preferred borrowing process shown in FIG. 4 is started (405).

Here, the validity authentication of the consumer loan client through the program 140 is mounted on the money transfer consumer loan client terminal 135 (or mounted on a storage medium 125, such as a smart card connected to the client terminal). It is preferable to use an authorized certificate of the money lender client, for example, to create an electronic signature with the private key value included in the certificate through the client security module mounted on the money lender client terminal 135 and the program. In connection with 140 or the server 100, the user may verify whether the money consuming client is a legitimate client by verifying the value through the public key value of the money consuming client.

If the validity authentication of the money consumer client fails (410), the program 140 outputs an authentication failure message (415). On the other hand, if the validity authentication of the money-consuming borrower client through the program 140 is successfully performed (420), the function of the program 140 is activated in earnest and the money-consuming borrower client is the program 140 From the at least one service menu that is presented, a monetary menu according to the present invention is selected (425).

For example, as shown in FIG. 5, the consumer loan client uses money transfer information (eg, remittance account information, password and / or secret key information, and collection account information) through the program 140 installed in the client terminal. , User authentication information, etc.) and loan condition information (e.g., confirmation information for money vehicles, borrowing amount information, borrowing date information, repayment period information, interest rate information for the borrowing amount, delinquent interest rate information, guarantor information, etc.) Enter or select 430.

Figure 6 below for better understanding of the present embodiment is shown a simple example of the input or selection of money loan agreement information through the program 140 installed on the client terminal.

When the money menu according to the present invention is selected from at least one service menu presented by the program 140 from the money borrowing client, the program 140 installed in the money consumption client terminal 135 is according to the present invention. In operation 435, the server 100 provides the money transfer information and the money consumption loan condition information input or selected from the money consumption client.

At this time, the server 100 stores the transfer medium and the money consumption loan condition information received from the program 140 installed on the money consumption client terminal 135 in association with the money consumption client information and the like. 125 may be stored (or temporarily stored, etc.) (440).

Thereafter, the server 100 checks the operation of the program 140 installed in the money-consuming borrower client terminal 130 to receive the money transfer according to the present invention from the money-consuming loan client.

At this time, the program 140 installed in the borrower client terminal 130, the program 140 installed in the loan client terminal 135, as the authentication for the non-client client, the Authenticate money borrower clients.

As described above, the authentication for the money-consuming borrower client may be performed through authentication of access information (for example, a unique code and a password) of the money-consuming borrower client and the money-consuming borrower client terminal 130 (or the client terminal). It may be possible by using an authorized certificate of the borrower client of the money on the storage medium 125, such as a connected smart card.

If the authentication for the money consuming client fails from the program 140 installed in the money consuming client terminal 130 (450), the program 140 may output an authentication failure message (455). .

On the other hand, if the authentication for the money-consuming borrower client from the program 140 is successfully completed (460), the server 100 checks the money-consuming borrower client information through the program 140 (465) ), Extracts the money consumption loan condition information stored in association with the money consumer borrower client from the storage medium 125, and the money consumer loan client terminal to the program 140 installed in the money consumer client terminal 130; Money consumption loan condition information received from the program 140 installed in 135 is provided (470).

Here, if the consumer client receiving the money loan condition information through the program 140 installed in the money consumer client terminal 130 does not agree with the money loan condition information (475), the money consumer borrower The client may provide the money consumption loan condition information rejection message to the server 100 through the program 140 (480).

Then, the server 100 transmits the rejection message for the money consumption loan condition information received from the program 140 installed in the terminal of the money consumption client to the program 140 installed in the money consumption client terminal 135. The transmission can be notified (485).

On the other hand, if the borrower client agrees with the loan condition information (490), as shown in Figure 6, the borrower client is a program installed on the borrower client terminal 130; In operation 495, the server 100 may provide confirmation information corresponding to the money consumption loan condition information to the server 100.

According to the present embodiment, the server 100 confirms the confirmation information received through the program 140 installed in the borrower client terminal 130, and checks the loan condition information of the loan consumer and In operation 500, the storage medium 125 is stored in association with the borrower client information.

FIG. 6 is a diagram illustrating the money consumption loan condition information through the program 140 installed in the money consumption client client terminal 130 in response to the money consumption loan condition information according to the preferred embodiment of the present invention. Simple example of entering or selecting commitment information.

The server 100 transfers the borrowing amount according to the money consumption loan condition information from the money consumption client account to the money consumption client account based on the money transfer information. The borrowing process accordingly ends.

7 is a simple flowchart of a process for repayment after borrowing money according to a preferred embodiment of the present invention.

FIG. 7 illustrates that when a borrowing according to the present invention is carried out, a predetermined amount of money is consumed according to the money consumption loan condition information for the borrower established by the borrowing client through the process of FIG. After the transfer from the lender's client account to the borrower's client account, the interest according to the lending condition information by the program 140 installed in the predetermined server 100 or the client terminal according to the lending condition information A simple flow diagram of the process of calculating the amount of money and repayment of the borrower client for the borrower.

Referring to FIG. 7, in the embodiment of the illustrated money repayment, as shown in FIG. 4, a predetermined money transfer is performed from a money-consuming client account to a money-consuming client account (700), and the server 100 In step 705, the money transfer information and the money consumption loan condition information are stored in association with the money consumption client information and the money consumption client information.

Then, the program 140 installed in the server 100 and / or the client terminal inquires (710) money consumption loan condition information stored in the storage medium 125, and the interest amount calculation period for the money borrowing period is If it is the period of calculating the interest amount for the borrowing (715), the server 140 and / or the program 140 installed in the client terminal is based on the interest rate information included in the loan condition information Accordingly, the interest amount for the borrowed amount may be automatically calculated (720).

For example, the interest amount calculation of the program 140 installed in the server 100 and / or the client terminal may be used to calculate a loan for money between the money lender client and the money consumer client stored in the storage medium 125. According to the interest rate information recorded in the condition information, and if the interest rate is set by month, the program 140 installed in the server 100 and / or the client terminal is calculated from the time of one month from the borrowing date If the interest rate is set for each year, the server 100 and / or the program 140 installed in the client terminal may calculate the interest amount to which the interest rate is applied at a time point that is one year from the borrowing date. have.

In addition, the program 140 installed in the server 100 and / or the client terminal provides the interest amount calculated in accordance with the interest rate information included in the loan condition information to the money consumption client and the money consumer client. Can be notified (725).

In addition, the program 140 installed in the server 100 and / or the client terminal stores the calculated interest amount in the storage medium 125 in association with the borrowing amount of the borrower of the money and / or the borrowing amount. 730 may be stored in the storage medium 125.

In addition, the program 140 installed in the server 100 and / or the client terminal checks the money repayment period of the money borrowing client according to the money consumption loan condition information (735), and becomes the money repayment period. In operation 740, the user may notify (or output) the money consumption borrower and the money consumption lender client of the payment repayment period confirmation indicating that the money repayment period has been reached (745).

In addition, the program 140 installed in the server 100 and / or the client terminal checks the final repayment amount and the interest sum amount with reference to the money consumption loan condition information (750), and adds to the money consumption loan condition information. Accordingly, the repayment amount is transferred from the money-consuming borrower client account to the money-consuming loan client account (755).

For example, the repayment of the borrowed amount of the borrower of the money consumption client is automatically performed by the program 140 installed in the server 100 and / or the client terminal on the loan repayment date, with reference to the loan consumption condition information. The loan amount may be repaid from the client account to the money lender client.

If the repayment is not performed smoothly, such as the balance of the borrower's client account falling short of the repayment amount (760), the server 100 and / or the program 140 installed in the client terminal The money repayment failure history may be notified (or outputted) to the money consumer client and the money consumer client (765). In addition, the program 140 installed in the server 100 and / or the client terminal may recognize that the money repayment is overdue and apply the delinquent interest rate recorded in the money consumption loan condition information (770).

On the other hand, when the repayment amount is successfully transferred from the money-consuming borrower client account to the money-consuming client account, and the repayment is completed (775), the program installed in the server 100 and / or the client terminal ( 140 may notify (or output) the monetary repayment result to the money consuming client and the money consuming client.

In addition, the program 140 installed in the server 100 and / or the client terminal transmits a predetermined receipt (for example, a deposit receipt or a separate receipt, etc.) for the repayment of the money to the borrower client. Or output 785.

8 is an exemplary diagram of a program 140 screen for repaying a borrowed amount according to money consumption loan condition information by a money consumption borrowing client according to a preferred embodiment of the present invention.

8 is a repayment of the borrowed amount from the money borrowing client to the money lending client through FIG. 7, wherein the information necessary for the repayment is provided through a predetermined program 140 installed in the client terminal according to the present invention. It is an example figure in which input or selection is performed.

9 is a simplified conceptual diagram of a process for borrowing money using a predetermined program 140 installed in a client terminal according to another preferred embodiment of the present invention.

FIG. 9 illustrates information about loan condition information corresponding to the loan between the money lending client and the money lending client in performing the borrowing using the predetermined program 140 installed in the client terminal according to the present invention. The borrower's client borrowing money from the borrower's client selects or inputs through a predetermined program 140 installed in the borrower's client terminal 130.

Preferably, in the present embodiment, when the borrowing client and the borrowing client is borrowed money, the money-consuming client is selected or input through a predetermined program 140 installed in the cash-consuming client terminal 130. When the money loan condition information is transmitted to the program 140 installed in the money lender client terminal 135 through the server 100, the money lender client selects or inputs money spent by the borrower client. By providing the commitment information for the loan condition information to the server 100, it is characterized in that the borrowing between the money consumer loan client and the money consumer loan client is made.

Referring to FIG. 9, the borrower client who wants to borrow the money runs a predetermined program 140 installed in the borrower terminal (1-1), and selects the money lending condition information according to the borrower. Enter (1-2).

For example, the money-consuming borrower client may include information on the loan-consuming client, information on the amount of money to be borrowed, information on borrowing date, repayment period information, interest rate information on the amount of borrowing, overdue interest rate information, and guarantor information. It may include.

In addition, the program 140 installed in the consumer terminal provides communication with the server 100 to provide the money consumption loan condition information selected or input by the client, the client 100, (2) 100 transmits the provided money consumption loan condition information to the program 140 installed in the consumer loan client terminal 135 (3-1).

Then, the consumer loan client checks the money consumption loan condition information through the program 140, and provides the confirmation information to the server 100 (3-2). At this time, the confirmation information from the client for lending client is provided to the server 100 through the program 140 installed in the client lender terminal (135). In addition, the consumer loan client may provide money transfer information such as money transfer account information, password and / or secret key information, money collection account information, etc. to the server 100 for money transfer according to the borrowing of money.

Then, the server 100 consumes the money consumption loan condition information based on the confirmation information and the money transfer information of the money consumption client received from the program 140 installed in the consumer client terminal 135. Cooperative processing with the lender's client and the borrower's client information is stored in a predetermined storage medium 125 (4-1), and the borrowed amount is transferred to the borrower's client account according to the money transfer information (4). -2).

Subsequently, the server 100 automatically calculates an interest amount for the borrowing money (5) by referring to the money consumption loan condition information stored in the storage medium 125, and converts the calculated amount into the borrowing amount ( Or storage in the storage medium 125 in association with the borrowed amount (6).

10 is a simple flowchart of a borrowing process using a predetermined program 140 installed in the client terminal according to another preferred embodiment of the present invention.

FIG. 10 illustrates the use of the loan condition information for the borrower by the borrower client when the borrower uses the predetermined program 140 installed in the client terminal according to the present invention. A process of transferring a predetermined amount from the money lender client account based on the money lending condition information is shown.

Referring to FIG. 10, the present embodiment may be started from a process in which a client who wants to borrow a predetermined amount of money from a money lender client drives a program 140 installed in the consumer client terminal 130 (1000). .

In the process of driving the program 140 installed in the consumer client terminal 130, the program 140 performs validation of the money consumer client 100 (1005).

For example, the validity authentication of the money transfer consumer account client may be performed on the money transfer consumer client terminal 130 (or on the storage medium 125 such as a smart card connected to the client terminal). This can be done using a certified certificate.

If the authentication for the money-consuming borrower client fails (1010), the program 140 installed in the money-consuming borrower client terminal 130 outputs a validity authentication failure message to the money-consuming borrower client (1015).

On the other hand, if the authentication is successfully completed for the borrower client (1020), through the program 140 installed in the borrower client terminal 130, the borrower client the money to provide to the consumer loan client Enter or select consumption loan condition information (for example, confirmation information for money vehicles, borrowing amount information, borrowing date information, repayment period information, interest rate information for the borrowing amount, delinquent interest rate information, guarantor information, etc.).

For example, the program 140 installed in the cash consumption client terminal 130 may provide a menu (for example, a menu for a cash vehicle) to the cash consumption client 1010 to input the cash consumption loan condition information. Or, it may be enabled (1030).

When the program 140 installed in the money-consuming borrower client terminal 130 provides the money consumption loan condition information selected or input by the money-consuming borrower client to the server 100 (1035), the server 100 Receiving the money consumption loan condition information from the program 140 installed on the money borrowing client terminal 130, and the received money consumption loan condition information in connection with the money consumption client information and the like to the storage medium 125 Save (1040).

Subsequently, the server 100 checks the driving of the program 140 installed in the money consumption client client terminal 135 to transfer money to the money consumer client (1045), and the money consumption client client terminal ( The program 140 installed in 135 performs authentication of the money lender client.

For example, like the above-described authentication for the borrowing client, the authentication for the spending client is authenticated through access information (for example, an ID and a password) of the spending client and the money-consuming client terminal. It may be possible by using an authorized certificate of the money lender client mounted on the 135 (or mounted on the storage medium 125, such as a smart card connected to the client terminal).

If the authentication for the money consumption client fails (1050), the program 140 installed in the money consumption client outputs an authentication failure message (1055). However, if the authentication for the money lender client is successfully completed (1060), the server 100 checks the money lender client information through the program 140 installed on the money lender client (1065). Extracting the loan condition information provided from the program 140 installed in the borrower client terminal 130 from the storage medium 125 and installing the extracted loan condition information to the client; Provided to the program 140 (1070).

If the consumer loan client that checks the loan condition information through the program 140 does not agree with the loan condition information provided by the consumer loan client (1075), the money loan client is the program 140 In operation 1080, a rejection message regarding the money consumption loan condition information may be transmitted to the server 100.

When a rejection message for the money consumption loan condition information of the money consumption client is received from the program 140 installed in the money consumption client terminal 135, the server 100 receives the reception. Receiving the money consumption loan condition information rejection message of the existing money consumer loan client to the program 140 installed on the money consumer client terminal 130 to notify (1085).

On the other hand, if the money lender client agrees with the money consumption loan condition information selected or input by the money lender client (1090), the money lender client may install a program installed in the money lender client terminal 135 ( Confirmation information corresponding to the money consumption loan condition information and money transfer information (eg, remittance account information, password and / or secret key information, collection account information, user) corresponding to the money consumption loan condition information through the server 100 Authentication information, etc.) (1095).

Then, the server 100 receives and confirms the commitment information from the program 140 installed in the consumer client terminal 135, and confirms the commitment information on the money loan condition information, the money loan client and the money consumption. In operation 1100, the storage medium 125 is stored in association with the borrower client information.

The server 100 transfers the borrowing amount according to the money consumption loan condition information from the money consumption client account to the money consumption client account based on the money transfer information.

Thereafter, the server 100 calculates a predetermined interest amount according to the money consumption loan condition information in the money borrowing process established between the money borrowing client and the money spending lending client, and the payment for the money borrowing. It will lead the repayment of the borrower client.

The process of repaying the money from the borrower client to the borrower client may be based on FIG. 7 described above.

11 is a simple exemplary diagram of inputting or selecting money loan agreement information through a predetermined program 140 installed in a wireless terminal according to a preferred embodiment of the present invention.

According to the present invention, by borrowing money between clients through a predetermined program installed in the borrower client terminal and the consumer loan client terminal, it is more convenient to create and manage contracts for borrowing money between users. The advantage is that it can be done.

In addition, by automatically calculating a predetermined interest amount according to the borrowing of money, there is an advantage that it is possible to reduce the cumbersome work such as calculating the interest amount at the time of repayment.

In addition, the service provider (for example, a bank, etc.) has the advantage that it is possible to secure new customers through the loan service.

In addition, by using the program installed in the client terminal, there is an advantage that can be performed quickly and efficiently by minimizing the load on the server.

Claims (10)

An online money consumption transaction processing apparatus for relaying money consumption loans between a money consumption borrower client terminal borrowing a predetermined money and a money consumption loan client terminal transferring a predetermined amount of money to the money consumption borrower client, In connection with a predetermined program installed on the money lending client terminal, receiving predetermined money transfer information and money consumption loan condition information corresponding to the money transfer from a predetermined program installed on the money lending client terminal, An information receiving unit receiving the confirmation information of the money consumption borrower client with respect to the money consumption loan condition information in association with a borrower client terminal and / or a predetermined program installed in the money consumption borrower client terminal; And And a storage unit for cooperatively processing the money consumption loan condition information with the money lending client and the money lending client information to store in a predetermined storage medium. The method of claim 1, And an authentication unit for confirming an authorized certificate of the money consuming client and / or receiving an electronic signature in connection with a predetermined program installed in the money consuming client and / or the money consuming client terminal. On-line cash consumption transaction processing device. The method of claim 1, And an authentication unit configured to check an official certificate of the money consuming client and / or receive an electronic signature in association with a predetermined program installed in the money consuming client and / or the money consuming client terminal. On-line cash consumption transaction processing device. The method of claim 1, And a money transfer unit for transferring the money to the borrower's client account by referring to the money transfer information received by the information receiving unit. The method of claim 1, wherein the storage unit, And processing the cash consumption loan condition information in association with an authorized certificate and / or electronic signature information of the consumer loan client and the consumer loan client and storing the information on the storage medium. The method according to any one of claims 1 to 5, wherein the money consumption loan condition information, An on-line cash consumption transaction processing apparatus comprising the information included in the loan certificate and / or the money consumption loan contract information. The method according to any one of claims 1 to 5, wherein the money consumption loan condition information, An on-line cash consumption transaction processing apparatus comprising at least one of identification information for borrowing money, borrowing amount information, borrowing date information, repayment period information, interest rate information for the borrowing amount, overdue interest rate information, and guarantor information. The method according to any one of claims 1 to 5, wherein the client terminal, An on-line cash consumption transaction processing apparatus comprising a wired terminal and / or a wireless terminal. The method according to any one of claims 1 to 5, wherein the client terminal, At least one of Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smart Phone, Telematics On-line cash consumption transaction processing apparatus, characterized in that comprises a wireless terminal made. A recording medium comprising a program for executing a function of the device component of any one of claims 1 to 5.

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