KR20060109276A - Server for relaying mobile money borrow and lending contract - Google Patents

Abstract

A server for relaying a mobile loan contract is provided to offer a deposit of a loaner client to a borrower client by storing loan condition information received from the loaner client, receiving loan request information from a mobile terminal of the borrower client, and comparing the loan condition information with the loan request information. An information storing part(110) stores the loan condition information received from the loaner client to a storage medium(135) by linking with loaner information and/or loaner account information. An information receiver(105) receives the loan request information and borrower authentication information received from the mobile terminal of the borrower client directly or through a relay server. A loan processor(130) determines whether the borrower client is fit for the loan condition information based on the loan request information and/or the borrower authentication information, and offers the deposit of the loaner client to the borrower client if the borrower client is matched with the loan condition information.

Description

Wireless Money Consumption Contract Relay Server {Server for Relaying Mobile Money Borrow and Lending Contract}

Figure 1 shows the overall configuration of a wireless money lending contract relay system according to a preferred embodiment of the present invention.

2 shows a configuration of a server according to a preferred embodiment of the present invention.

Figure 3 is a block diagram of a storage medium according to a preferred embodiment of the present invention.

4 shows a configuration of a second client wireless terminal according to a preferred embodiment of the present invention.

FIG. 5 is a simple flowchart illustrating a process in which a first client provides money loan condition information according to a preferred embodiment of the present invention.

6 is a simplified flowchart of a process for a second client to apply for a loan through a wireless network according to a preferred embodiment of the present invention.

FIG. 7 is a diagram illustrating a screen in which a first client provides money consumption condition information on a deposit amount to a server according to a preferred embodiment of the present invention.

8 is a diagram illustrating an example of a wireless terminal screen in which a second client applies for a predetermined loan through a wireless terminal according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: contract relay system 105: information receiving means

110: information storage means 115: information comparison means

120: information transmission means 125: interest amount processing means

130: loan processing means 135: storage medium

140: credit rating agency 145: first client terminal

150: second client terminal

According to the present invention, a customer (e.g., a first client) who deposits a predetermined amount of money transfers and stores the money consumption condition information of the deposit amount to a financial institution, and a customer (e.g., a second client) who wishes to apply for a loan When the predetermined loan application information and the customer authentication information are transmitted to the wireless terminal, on the basis of the transmitted loan application information and / or the second client authentication information, the second client sends money consumption loan conditions transmitted by the first client. It is determined that the information is matched and, if it is matched, for the wireless money lending contract relay server to provide the deposit amount of the first client to the second client.

Recently, with the development of the financial industry, financial companies that provide financial products are focusing on developing various new financial products to secure competitiveness and attract new customers. As a result, a variety of financial products (eg, stock index linked deposits, HSBC index plus deposits, currency / ribo rate / gold linked products, etc.) are available to meet customer needs.

However, these financial products are constantly being developed and released under the goal of satisfying the needs of customers, but when financial companies provide financial products that are satisfactory to customers, they were a way of selecting the financial products.

Therefore, the customer has always been passive in the selection of financial products, and the profits that can be obtained from the deposits selected by the customers are limited according to the nature or conditions of the deposits.

In addition, financial product transactions had time and space constraints because they had to use the Internet or visit financial institutions in person.

SUMMARY OF THE INVENTION An object of the present invention for solving the above problems, the predetermined amount of the storage medium by processing the predetermined amount of loan condition information received from the first client in conjunction with the first client information and / or the first client account information And the predetermined loan application information and the second client authentication information transmitted by the second client wireless terminal directly from the second client, or received through a relay server, to receive the loan application information and / or first. Based on the second client authentication information, determining whether the second client meets the money consumption condition information; and if the second client meets the money consumption condition information, depositing the deposit amount of the first client as the first client; It is to provide a wireless money balance agreement relay server to be provided to two clients.

The wireless money lending contract relay server according to the present invention for achieving the above object is performed by cooperatively processing predetermined money lending condition information received from the first client with the first client information and / or the first client account information. Information storage unit for storing in a predetermined storage medium, predetermined loan application information and the second client authentication information transmitted by the second client wireless terminal directly from the second client or information received through a relay server On the basis of the receiver and the loan application information and / or the second client authentication information, it is determined whether the second client meets the money consumption condition information, and if the second client meets the money consumption condition information A loan processing unit for providing the deposit amount of the first client to the second client; The comparison made is characterized.

In addition, the present invention relates to a wireless money lending contract relaying method according to the present invention, comprising: a first method of transmitting money consumption condition information of the deposit amount from a terminal of a first client or a predetermined program to which a predetermined amount is deposited; The second step and the predetermined second client wireless terminal to process the cash consumption condition information in connection with the first client information and / or the first client account information stored in a predetermined storage medium in the server; A third step of transmitting predetermined loan application information and the second client authentication information to the server or the relay server; and based on the loan application information and / or second client authentication information, the second client A fourth step of determining whether the cash consumption condition information is satisfied; and the second client, at the server, the money consumption balance When the gun meets the information, and a fifth step of providing ever the deposited amount of the first client to the second client.

The present invention may further include a step 5-1 of transmitting, from the server, the non-loanable information to the second client wireless terminal if the second client does not meet the money consumption condition information.

In addition, the present invention, after the server provides the deposit amount of the first client to the second client, the second client authentication information and the money consumption condition information and the first client information (and / or) The method may further include a sixth step of storing the data in a predetermined storage medium in association with the first client account information.

In addition, the present invention, after the server provides the deposit amount of the first client to the second client, the first client and / or the second client of the loan history information provided to the second client A seventh step may be further included.

The present invention may further include verifying credit information of the second client using the second client authentication information in association with a predetermined credit rating agency server.

The present invention may further include providing at least one or more money consumption condition information from the server or the relay server to the second client wireless terminal.

The present invention may further include calculating a predetermined interest amount corresponding to the loan condition of money at the server, and relaying the deposit of the calculated interest amount to the first client account at the server. It may include.

According to the present invention, the first step is characterized in that further transmitting the authentication information of the first client to the server from the terminal or a predetermined program of the first client.

Further, according to the present invention, the third step or the fourth step, the step of receiving the loan application information and the second client authentication information transmitted from the second client wireless terminal in the relay server and the received loan application information And transmitting the second client authentication information to the server.

The fourth step may further include the step of comparing the loan application information and the money consumption condition information in the server, and confirming the money consumption loan condition information corresponding to the loan application information. do.

In addition, the fourth step, characterized in that the server in conjunction with a predetermined credit rating agency server, further comprising the step of checking whether the credit information of the second client meets the loan condition information information. .

Further, according to the present invention, the fourth to fifth step, at least one or more money consumption condition information corresponding to the loan application information by comparing the loan application information and the money consumption condition information in the server And determining to provide the second client with the deposit amount of the plurality of clients meeting the at least one determined money lending condition information.

In addition, the fifth step may include checking loan amount receiving means information included in the authentication information transmitted by the second client wireless terminal and withdrawing the amount corresponding to the loan application information from the account of the first client. After that, further comprising the step of depositing the payment to the loan amount receiving means.

Here, the loan amount receiving means comprises account information stored in a memory (or IC chip) provided in the second client wireless terminal, and the loan amount receiving means directly input and designated by the second client. It is done.

In addition, according to the present invention, the money loan condition information corresponds to credit information of the money consumer client, predetermined interest rate information corresponding to the money loan, money loan period information, and the money loan condition. It characterized in that it comprises at least one or more at least one money consumer borrower client information.

The loan application information transmitted by the second client wireless terminal may include at least one loan application amount information, loan interest rate information, and loan period information.

In addition, the loan application information transmitted by the second client wireless terminal, the at least one money consumption loan condition when the server or relay server provides at least one or more money consumption loan condition information to the second client wireless terminal; Characterized in that it comprises the money consumption loan condition selection information selected at least one or more of the information.

In addition, the authentication information transmitted by the second client wireless terminal, the second client personal information, the second client member login information, the authentication stored in the memory (or IC chip) provided in the second client wireless terminal At least the certificate information, the authentication key information stored in the memory (or IC chip) provided in the second client wireless terminal, and the loan amount receiving means information stored in the memory (or IC chip) provided in the second client wireless terminal. Characterized in that it comprises one or more.

On the other hand, according to the present invention, it characterized in that it comprises a recording medium, characterized in that for recording the computer-readable program for executing the at least one wireless cash consumption contract relay method described above.

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.

In addition, it is preferable that the first client described in the present invention be understood as a money-consuming client and a second client as a money-consuming client in the wireless money lending contract.

Figure 1 shows the overall configuration of a wireless money lending contract relay system 100 according to a preferred embodiment of the present invention.

Referring to FIG. 1, a first client terminal may be a PC, an ATM, a CD, and / or a mobile terminal (eg, a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), or a PHS (PHS). And a personal handyphone system (PDA), a personal digital assistant (PDA), a smart phone, a telematics, etc.), and the like, and are connected to the wireless money lending contract relay system 100 through a wired or wireless network.

For example, the wireless money lending contract relay system 100 is preferably provided in a financial institution system capable of depositing and loaning a predetermined amount of money or is configured to include the financial institution system.

In addition, the first client terminal is connected to the wireless money lending contract relay system 100 through a web browser or a predetermined connection program, and to a financial institution interworking with the wireless money lending contract relay system 100. The predetermined amount of money consumption condition for the deposited amount is transmitted. Here, the money consumption condition information provides conditions and grounds for the first client to provide the second client with a predetermined deposit amount through the wireless money consumption agreement relay system 100 according to the present invention ( Loan condition information may be provided offline).

The money consumption condition information may include credit information of a money consumer client, predetermined interest rate information corresponding to a money consumption loan, money consumption period information, and at least one or more items corresponding to the money consumption condition. It is preferable to include at least one or more money consumer borrowing client information.

In addition, the operation of the first client terminal may be possible through a predetermined program installed in the first client terminal. Here, the predetermined program installed in the first client terminal may be an agent program having a function such as deposit / loan / money balance agreement provided by the wireless money balance agreement relay system 100. The program may communicate with the wireless money lending contract relay system 100 without going through a web browser.

The second client terminal is connected to the wireless money lending contract relay system 100 through a wireless network, a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), and a personal handyphone (PHS). The terminal includes a system, a personal digital assistant (PDA), a smart phone, and the like.

Here, the second client is characterized in that the first client to apply for a loan through the wireless network, based on the predetermined money consumption loan condition information provided to the wireless money lending contract relay system 100.

According to FIG. 1, the wireless money lending contract relay system 100 includes an information storing means 110, an information receiving means 105, an information comparing means 115, and a loan processing means 130. It is characterized in that the configuration.

The information storing means 110 may be configured to receive the first client information and / or the first client information from the first client by using a predetermined amount of money lending condition information received from the first client through a predetermined network (eg, the Internet, a VAN, a financial common network, etc.). Cooperative processing with the client account information to be stored in the predetermined storage medium 135.

In addition, when the deposit amount of the first client is provided to the second client, the information storing means 110 provides the second client authentication information with the money consumption condition information and the first client information (and / or). The first client account information may be stored in a predetermined storage medium 135 in association with the first client account information.

In this case, the storage medium 135 is provided in the wireless money lending contract relay system 100 and / or is linked with the wireless money lending contract relay system 100.

The information receiving means 105 receives predetermined loan application information and the second client authentication information transmitted by the second client wireless terminal 150 directly from the second client or through a relay server.

The information comparing means 115 determines whether the second client meets the money consumption condition information based on the loan application information and / or the second client authentication information.

In addition, the information comparing means 115 compares the loan application information transmitted by the second client wireless terminal 150 with the money consumption condition information of the first client stored in the storage medium 135, the loan application It is characterized by checking the information on the condition of loans to meet the information.

In particular, the information comparing means 115, in the process of comparing the loan application information transmitted by the second client wireless terminal 150 and the money consumption condition information of the first client stored in the storage medium 135, It may be linked with a predetermined rating agency server 140, through which it is possible to check whether the credit information of the second client meets the loan condition information.

For example, the information comparison means 115, in conjunction with the credit rating agency server 140 and the like, the personal credit evaluation index (for example, the credit bureau score, etc.) of the loan target client that can be included in the loan condition information, or the recent ( For example, it is possible to determine whether the loan of the second client is possible by checking / compare the delinquency history or other loans.

The loan processing unit 130 may provide the deposit amount of the first client to the second client when the loan application information provided by the second client through the wireless terminal 150 meets the money consumption condition information. Do it.

In addition, the loan processing means may provide the second client with the deposit amount of the plurality of clients that meet the at least one item of the loan condition information confirmed.

In addition, the loan processing means 130 checks the loan amount receiving means information (for example, loan payment account information, etc.) included in the authentication information transmitted by the second client wireless terminal 150, After withdrawing the amount corresponding to the loan application information from the account, characterized in that the deposit processing to the confirmed loan amount receiving means.

Here, the loan amount receiving means may be specified by directly inputting the account information stored in the memory (or IC chip) provided in the second client wireless terminal 150 and the second client.

In addition, the wireless money lending contract relay system 100, the information transmission means for transmitting the non-lending information to the second client wireless terminal 150, if the second client does not meet the money consumption condition information 120 may be configured to further include.

Here, when the deposit amount of the first client is provided to the second client, the information transmitting means 120 notifies the first client and / or the second client of loan history information provided to the second client. can do.

In addition, the wireless money balance agreement relay system 100, the interest to calculate a predetermined interest amount corresponding to the money consumption loan conditions, and relay the deposit processing of the calculated interest amount to the first client account It may be configured to further include the amount processing means (125).

Here, the loan interest processing means 125 may calculate a predetermined interest amount by referring to loan target amount information and / or loan repayment period information and / or loan interest rate information included in the loan application information.

For example, if the loan condition information is set such that the loan target amount is 20 million won, the loan repayment period is one year, the loan interest rate is one penny a month, and the like, the loan interest processing means is determined from the time when the loan is made to the second client. A loan interest of 200,000 won (0.02 million won 0.01) per month may be calculated and transferred to the first client account until the day of the repayment period is one year.

According to FIG. 1, each means provided in the wireless money lending contract relay system 100 is provided in a single server or a plurality of servers (or terminals).

In addition, according to the present invention, the wireless money lending contract relay system 100 is characterized in that it comprises a recording medium, characterized in that for recording a program for executing the above-described means function.

Figure 2 shows the configuration of a wireless money lending contract relay server 200 according to a preferred embodiment of the present invention.

The wireless money balance agreement relay server 200 shown in FIG. 2 is characterized in that it interworks with the first client terminal 145 and / or a predetermined program via a wired or wireless network.

Herein, the wireless money lending contract relay server 200 obtains the money lending condition information from the first client terminal 145 and / or a predetermined program and stores the money lending condition information in a predetermined storage medium 135 and stores the stored money. Loan eligibility screening is performed on the second client applying for a predetermined loan through the wireless network by using the loan condition information, and when it is determined that the loan is possible, the first client deposit amount according to the loan condition information Some or all of the loan to the second client is characterized in that.

Referring to FIG. 2, the wireless money lending contract relay server 200 receives the predetermined information about money lending condition received from the first client to implement the wireless money lending contract relaying process according to the present invention. The information storage unit 210 and the second client wireless terminal 150, the information storage unit 210 and the second client wireless terminal 150 to process the information associated with the first client and / or the first client account information stored in a predetermined storage medium 135 And an information receiver 205 for directly receiving the second client authentication information from the second client or through a relay server, and based on the loan application information and / or the second client authentication information. The client determines whether the loan balance condition information is satisfied, and if the second client meets the loan balance condition information, the first client It is characterized in that it comprises a loan processing unit 220 to provide the deposit amount of money to the second client.

In addition, the wireless money balance agreement relay server 200, if the second client does not meet the loan condition information, the information transmission unit for transmitting the non-loan information to the second client wireless terminal 150 215 is further provided.

Preferably, the loan application information transmitted by the second client wireless terminal 150 to the wireless money lending contract relay server 200 includes at least one loan application amount information, loan interest rate information, and loan period information. It can be made, including.

In addition, when the loan application information transmitted by the second client wireless terminal 150 provides at least one loan condition information from the server 200 or the relay server to the second client wireless terminal 150. And at least one monetary balance condition selection information for selecting at least one of the at least one monetary balance condition information.

Preferably, the authentication information transmitted from the second client wireless terminal 150 to the wireless money lending contract relay server 200 includes the second client personal information, the second client member login information, and the first client. 2, the authentication certificate information stored in the memory (or IC chip) provided in the client wireless terminal 150, the authentication key information stored in the memory (or IC chip) provided in the second client wireless terminal 150, and the first It may include at least one loan amount receiving means information stored in a memory (or IC chip) provided in the two-client wireless terminal 150.

On the other hand, the wireless money balance agreement relay server 200 is characterized in that it comprises a recording medium recording a program for executing the above-described server function.

3 is a simplified block diagram of a storage medium 135 according to a preferred embodiment of the present invention.

Referring to Figure 3, the storage medium 135 is characterized in that it comprises a predetermined data file required to implement the wireless money lending contract relay in accordance with the present invention.

Preferably, the storage medium is a first client for storing the information of the first client and / or account information of the first client depositing a predetermined amount in the wireless money lending contract relay system 100 and / or financial institutions An information data file, loan target specific client information, and / or loan target amount information received from the first client, loan repayment period information, loan interest rate information, arrears interest rate information, loan repayment method information, loan The first loan condition information data file for storing predetermined loan condition information including at least one credit information of the target client and / or the security setting information of the loan target client and the first loan condition information; Storing information and / or second client account information of the second client that has loaned the deposit amount of the client; 2 is characterized in that for storing the client information data file.

The first client information stored in the first client information data file includes information about a client depositing a predetermined amount of money in a financial institution or the like (for example, name, social security number, unique ID, password, address, work, telephone number, etc.) according to the present invention. Account information of the first client stored in the first client information data file is an account in which the amount of money for loaning to the second client according to the predetermined money lending condition information according to the present invention is deposited. Information (eg, account number).

According to the present invention, the money lending condition information data file may be deposited by the wireless money lending contract relay server 200 to deposit the deposit amount of the first client to at least one or more other clients (eg, the second client, etc.). In providing a service, the information is a basis for determining whether the second client can be loaned.

For example, the credit card condition information data file may include credit information and / or collateral setting information of a second client, and in this case, the second client may include the second client included in the cash condition information data file. Loan according to the present invention may be possible only if the credit information and / or the security setting information are satisfied.

In addition, the loan target specific client information of the money lending condition information data file is predetermined that the first client can loan his deposit amount through the wireless money lending contract relay server 200 according to the present invention. It may be information about a second client having a qualification.

Here, the second client information may be a name or name (real name), a unique ID, a phone number, an account number, a social security number (business registration number), etc. of the corresponding client.

Preferably, the information storage medium 135 shown in FIG. 3 is configured to store the first client information data file and the cash consumption condition data file in association with each other, and the information storage medium 135 ) May be located at a financial company server or a mobile communication company server including a wireless money lending contract relay server, a bank server or a card company server.

4 is a simplified block diagram of a second client wireless terminal 200 according to a preferred embodiment of the present invention.

4 is a simplified illustration of the functional configuration of the second client wireless terminal 150 for performing a predetermined loan application work by connecting to the wireless money lending contract relay server 200 shown in FIG. As a second, the second client terminal 150 shown in the figure is characterized in that it comprises at least one or more wireless terminals including a mobile phone, PDA, portable Internet phone, telematics phone and the like.

In addition, the second client terminal 150, the second client authentication corresponding to the loan request condition information of the first client transmitted from the wireless money lending contract relay server 200, the second client authentication required to apply for a predetermined loan Information can be stored.

Here, the authentication information, the second client personal information, the second client member login information, the authentication certificate information stored in the memory (or IC chip) provided in the second client wireless terminal 150, Authentication key information stored in the memory (or IC chip) provided in the second client wireless terminal 150 and loan amount receiving means information stored in the memory (or IC chip) provided in the second client wireless terminal 150 It is preferable to comprise at least one or more.

More specifically, the second client terminal 150, the condition information receiving means 405, authentication information input means 410, and / or authentication information extraction means 415, and / or authentication information generating means ( 420, a transmission means 425, a memory 430, and / or an IC chip 435, and a controller 400.

The condition information receiving means 405, for example, accesses the wireless money lending contract relay server 200 through the second client wireless terminal 150 and requests the predetermined loan application service. The first client receives money consumption condition information transmitted from the consumer loan contract relay server 200.

Authentication information input means 410 is connected to the wireless money lending contract relay server 200 through the wireless network, the authentication information of the second client required in the process of performing a predetermined loan application operation; A keyboard, an RF reader, a biometric information input device, etc. having a plurality of number keys, character keys, and / or at least one function key included in the second client terminal 150 may be provided. Characterized in via input.

For example, when the authentication information is an ID and / or password including numbers, letters, symbols, and the like, and / or a social security number, and / or a driver's license number, and / or an insurance number, the second client may perform the authentication. The required authentication information may be input through the information input means.

The authentication information extracting means 415 may access the wireless money lending contract relay server 200 through the wireless network, and the authentication information of the second client required in the process of performing a predetermined loan application operation may be provided. For example, when stored in the memory 430 and / or the IC chip 435 provided in the second client wireless terminal 150, the authentication information stored in the memory 430 and / or IC chip 435 It is characterized in that the extraction.

In this case, the authentication information stored in the memory 430 and / or the IC chip 435 may include authorized certificate information, authorized certificate password information, payment means information, payment means password information, customer account information, and customer information. Password information corresponding to the account, account transfer password information corresponding to the customer account, information (or data) included in the IC chip included in the second client terminal 150, and predetermined authentication key data. Can be.

Authentication information generating means 420, the authentication information input through the authentication information input means 410 and / or the memory 430 of the second client terminal 150 through the authentication information extraction means 415 and / Alternatively, when the authentication information extracted from the IC chip 435 is required, for example, when encryption processing for the authentication information is required, the wireless money is encrypted by encrypting the input and / or extracted authentication information by a predetermined encryption processing process. Predetermined authentication information to be transmitted to the consumer loan contract relay server 200 may be generated.

The transmission means 425 is characterized in that for transmitting the predetermined loan application information provided by the second client to the wireless money lending contract relay server 200 on a wireless network.

In addition, the transmission means 425, the authentication information input / extracted / generated through the authentication information input means 410, and / or authentication information extraction means 415, and / or authentication information generating means 420 It characterized in that for transmitting to the wireless money consumption loan contract relay server 200.

At this time, the transmission means 425 is a predetermined for connecting the first client money consumption condition information transmitted from the wireless money balance agreement relay server 200 to the wireless money consumption agreement relay server 200. When the access means information (eg, callback URL, etc.) is included, the authentication information may be transmitted with reference to the access means information.

The memory 430 may be configured to perform operations by predetermined program routines (or codes) and / or program data (eg, program routines (or codes)) for controlling the overall operations of the second client terminal 150. At least one or more storage means 110 for storing input / output information or data, and electrically including EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD). It characterized in that it comprises a).

In particular, the memory 430, at least one authentication information required for the loan application of the second client that accesses the wireless money lending contract relay server 200 to perform a predetermined loan application work according to the present invention; Can be stored.

The IC chip 435 may be mounted on or detached from the second client terminal 150. Preferably, the IC chip 435 may include an IC chip standard and an EMV standard including ISO / IEC 7816 and / or ISO / IEC 14443. It is characterized in that the IC chip 435.

Although the IC chip 435 is not shown in detail in FIG. 4, the IC chip 435 may include a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), and programming. I / O interfaces for communicating with terminal devices (eg, wireless terminals, card terminals, etc.) in hardware through contact points such as power supply (VPP) and / or input / output (I / O), CPU (Central Process Unit), MPU A processor unit including at least one computing element including a micro process unit and / or a coprocessor, a read only memory (ROM), a random access memory (RAM), and an electrically erasable and programmable read (EPPROM). It is preferably made of a memory unit composed of at least one or more memory elements including only memory (FM), flash memory (FM) and the like.

In addition, at least one of the memory elements of the IC chip is provided with a chip operating system (COS) for managing and operating the internal resources of the chip card, and at least one of the remaining memory elements is a chip (card) At least one IC chip storage information for providing a used service is preferably provided.

The IC chip storage information stored in the memory unit of the IC chip 435 may include a data storage unit for storing a data set corresponding to data or information read and used by the control unit 400, and / or the control unit. And a data processing unit for storing and driving a program module (for example, JAVA Applet) and the like which can be used by the PC. In particular, the IC chip storage information may include the wireless money consumption according to the present invention. Characterized in that at least one or more authentication information transmitted to the balance agreement relay server 200 is stored.

The control unit 400 controls and manages the overall operation of the second client wireless terminal 150, and further, in a process of inputting and booting predetermined power to the second client wireless terminal 150. Loading the operating system routines, system 100 management routines, and / or system 100 variables from the memory into the execution memory and arithmetic processing by the processor to provide each functional means to the second client wireless terminal 150. It is characterized by operating.

Preferably, the control unit 400, the condition information receiving means 405, authentication information input means 410, and / or authentication information extraction means 415 provided in the second client wireless terminal 150, And / or control and manage the authentication information generating means 420, the transmitting means 425, the memory 430, and / or the IC chip 435.

In addition, the controller 400 may include a processor including a CPU / MPU and an execution memory in order to control at least one or more functional means included in the second client wireless terminal 150. A bus for inputting / outputting a predetermined program routine and / or program data for providing a function unique to the second client wireless terminal from a memory device of the second client wireless terminal, and a predetermined electronic circuit (or integrated circuit) provided therefor. It can be made, including.

Hereinafter, with reference to the accompanying drawings, to describe a wireless money lending contract relay process according to a preferred embodiment of the present invention, the reference is the first client terminal that the subject interoperating with the wireless money lending contract relay server However, this is to help the understanding of the present invention, it is determined that it is sufficiently possible through a predetermined program installed in the client terminal according to another embodiment.

5 is a simple flowchart of a wireless money lending contract relay process according to a preferred embodiment of the present invention.

5 is a request for relaying a wireless money balance agreement between a first client terminal 145 and a wireless money balance agreement relay server 200 on the wireless money balance agreement relay system 100 according to a preferred embodiment, and corresponding thereto. Regarding the process of transmitting the money consumption condition information, when the first client accesses the wireless money balance agreement relay server 200 through a predetermined terminal 145 (500), the wireless money consumption agreement relay In operation 505, the server 200 authenticates the connected first client to provide a predetermined service.

In this process, the first client transmits predetermined authentication information provided in the memory (or IC chip) of the first client terminal 145 to the wireless money lending contract relay server 200, and the wireless money. The consumer loan contract relay server 200 refers to the first client authentication information transmitted from the first client terminal 145 (or a predetermined program installed in the first client terminal), and authenticates the first client. Do the work.

Here, the first client authentication information, the first client personal information, the first client member login information, the authentication certificate information stored in the memory (or IC chip) provided in the first client terminal 145 and At least one authentication key information stored in a memory (or IC chip) included in the first client terminal 145 may be included.

If the authentication operation of the first client is not successful (505), the wireless money lending contract relay server 200 may transmit an authentication failure message to the first client terminal (145) (510). Although not shown in the drawing, in this process, when the first client is not a member, a member registration operation and / or authentication information registration operation may be performed.

On the other hand, after the authentication operation for the first client is successfully performed (515), when the wireless money lending contract relay request information is received from the first client (520), the wireless money lending contract relay server ( In operation 525, the deposit amount of the first client may be inquired to determine whether a money consumption contract can be relayed (525).

For example, when there is no deposit amount and / or too small, it is difficult to carry out the money lending contract relay according to the present invention, so that the wireless money lending contract relay server 200 inquires the deposit amount of the first client. In addition, it is possible to determine whether the money lending contract relay service according to the present invention is possible.

If, as a result of inquiring the deposit amount of the first client, it is determined that it is impossible to relay the money lending contract according to the present invention (530), the wireless money lending contract relay server 200 is the first client terminal ( In operation 145, a money consumption loan contract relay impossible message may be transmitted (535).

On the other hand, if it is determined that the first client is a customer who can service the money lending contract relay service according to the present invention (540), the wireless money lending contract relay server 200 is the first client terminal 145 from the In operation 545, predetermined money consumption condition information on the deposit amount of the first client is received.

The loan condition information may be a basis for determining whether a loan is available for a second client requesting a predetermined loan application in the future, and the loan condition information is described in the above-described drawing 3 ( Storage medium), the creditor information of the borrower of the money consumer, predetermined interest rate information corresponding to the money lending loan, money lending period information, and at least one or more money corresponding to the money lending condition. It may be configured to include at least one or more consumer-owner information and the like.

When the money consumption condition information on the deposit amount of the first client is received from the first client terminal 145, the wireless money consumption contract relay server 200 is received from the first client terminal 145. Money consumption loan condition information, the first client information and / or the first client account information is stored in a predetermined storage medium 135 in association with (550).

6 is a simplified flowchart of a wireless money lending contract relaying process according to a preferred embodiment of the present invention.

FIG. 6 transmits a wireless money balance agreement relay request between the first client terminal 145 and the wireless money balance agreement relay server 200 and corresponding money consumption condition information through the process of FIG. 5 described above. After the process is successfully performed, the present invention relates to a process of loan processing to a second client requesting a predetermined loan application according to the money consumption condition information on the deposit amount of the first client.

Referring to FIG. 6, in the illustrated embodiment, a second client intending to apply for a loan is connected to a wireless money lending contract relay server 200 through a wireless terminal 150 (600), and the wireless money lending contract is In operation 605, the relay server 200 may receive the loan application information and / or the second client authentication information from the second client wireless terminal 150.

At this time, the wireless money balance agreement relay server 200 by referring to the authentication information of the second client received from the second client wireless terminal 150, the credit rating of the second client to the credit institution server 140 The information is queried (610), and it is checked whether the queried credit information of the second client matches the preset loanable credit information through the money consumption condition information of the first client (615).

If the inquired credit rating of the second client does not match the loanable credit information set in advance through the financial lending condition information of the first client (620), the wireless money lending contract relay server 200 may determine the credit rating. The loan impossible message may be transmitted to the second client wireless terminal 150 (625).

On the other hand, if the credit rating of the second client meets the loanable credit rating information preset through the money lending condition information of the first client (630), the wireless money lending contract relay server 200 is the second credit card. In operation 635, the loan application information received from the client wireless terminal 150 is compared with the loan condition information of the first client.

Here, when the loan application information received from the second client wireless terminal 150 does not meet the money consumption condition information of the first client (640), as described above, the wireless money loan contract relay server 200 ) May transmit a non-loan message to the second client wireless terminal 150.

However, if the loan application information received from the second client wireless terminal 150 matches the loan condition information of the first client, the second client loan application for the deposit amount of the first client is possible. In operation 645, the wireless money lending contract relay server 200 confirms loan amount receiving means information (eg, account information, etc.) of the second client that may be included in the loan application information (650).

The wireless money lending contract relay server 200 deposits the loan amount requested by the second client with reference to the loan application information with reference to the loan amount receiving means information of the confirmed second client ( 655).

When the loan payment processing is completed, the wireless money lending contract relay server 200 stores the information on the storage medium 135 in association with the second client authentication information, the money loan condition information and the first client information (660) In step 665, the loan history provided to the second client is notified to the first client and / or the second client.

In addition, when a predetermined interest for the loan amount of the second client occurs, the wireless money lending contract relay server 200 deposits the generated interest into the first client account, and the interest In operation 670, the deposit processing history may be notified to the first client and / or the second client.

7 is a diagram illustrating a first client terminal screen in which a first client sets monetary loan condition information for a deposit amount according to an exemplary embodiment of the present invention.

A first client depositing a predetermined amount of money accesses a server for providing a loan agreement relay service according to the present invention, and sets predetermined amount of loan condition information for loaning a second client to the deposit amount. As a screen example, it is preferable that the setting of the cash consumption condition information is performed through a predetermined program connected to the server and / or linked with the server.

8 is an exemplary view of a wireless terminal screen in which a second client applies for a predetermined loan through a wireless terminal according to another exemplary embodiment of the present invention.

According to the present invention, a second client who wants to apply for a predetermined loan is connected to a server that provides a money lending contract relay service through his wireless terminal. It is an exemplary view briefly illustrating the process of receiving a predetermined loan from the server by providing to the server.

According to the present invention, a customer who deposits a predetermined amount of money provides a financial company with information on loan condition for money applied when the loan is made for the deposit amount. By applying the information to the lending process, the customer has a merit of simply choosing a financial product provided by an existing financial company, and more actively selects a financial product that meets customer conditions.

In addition, the loan application customer has the advantage that it is possible to apply for a more convenient authentication and loan application using a wireless terminal (for example, a mobile phone, etc.).

In addition, financial companies have the advantage of encouraging customers to voluntarily participate, absorb other financial companies, and attract new customers.

In addition, it is possible to provide a new means of generating revenue, which is a departure from the existing profit structure, and has the advantage of providing a loan product that can significantly reduce the risk burden compared to the existing loan method.

Claims (6)

An information storage unit for processing the predetermined money consumption loan condition information received from the first client in association with the first client information and / or the first client account information and storing the information on the predetermined storage medium; An information receiver configured to receive predetermined loan application information and the second client authentication information transmitted from a second client wireless terminal directly from the second client or through a relay server; On the basis of the loan application information and / or the second client authentication information, it is determined whether the second client meets the money consumption condition information, and if the second client meets the money consumption condition information, the first client; And a loan processing unit for providing the deposit amount of one client to the second client. The method of claim 1, And if the second client does not meet the money consumption condition information, further comprising an information transmitter for transmitting the non-loanable information to the second client wireless terminal. The method of claim 1, wherein the loan condition information of money, The creditworthiness information of the client Predetermined interest rate information corresponding to the money loan;  Monetary loan period information, and The wireless money lending contract relay server, characterized in that it comprises at least one or more pieces of money consumer borrower client information corresponding to the money consumption loan conditions. The loan application information transmitted by the second client wireless terminal, And a loan application amount information, a loan interest rate information, and at least one loan period information. The loan application information transmitted by the second client wireless terminal, In the case where the server or the relay server provides at least one or more money consumption condition information to the second client wireless terminal, including at least one or more money consumption condition information selected from the at least one money consumption condition information; Wireless cash consumption loan contract relay server, characterized in that made. The method of claim 1, wherein the authentication information transmitted by the second client wireless terminal, The second client personal information, the second client member login information, the authentication certificate information stored in the memory (or IC chip) provided in the second client wireless terminal, and the memory provided in the second client wireless terminal ( Or at least one authentication key information stored in an IC chip) and loan amount receiving means information stored in a memory (or IC chip) provided in the second client wireless terminal. server.

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