KR20060110473A - Method of providing small amount of money loaning using information communication network - Google Patents

Abstract

A method for offering a small loan using the information communication network is provided to enable a borrower to conveniently receive the small loan in an electronic and systematic mode without any risk for exposing personal information in a small loan application process. A small loan server receives a subscriber ID and an ID confirmation code to check mobile service subscription of the borrower from a borrower terminal(S20). The small loan server authenticates the mobile service subscription and the subscriber ID of the borrower by communicating with a mobile service server(S30). The small loan server receives an account number and a loan amount from the borrower terminal(S100). The small loan server checks the bank account and the ID confirmation code of an account owner by sending an inquiry to a bank server corresponding to the bank account(S170). If the ID confirmation code received from the borrower terminal is matched with the ID confirmation code received from the bank server, a loan amount is transferred to the borrower account from the account of a small loan company(S200).

Description

Method of providing small amount of money loaning using information communication network

The following drawings attached to this specification are illustrative of preferred embodiments of the present invention, and together with the detailed description of the invention to serve to further understand the technical spirit of the present invention, the present invention is a matter described in such drawings It should not be construed as limited to.

1 is a flow chart of a microloan service method using an information communication network according to a first embodiment of the present invention.

2 is a flow chart of a microloan service method using an information communication network according to a second embodiment of the present invention.

3 is a flowchart illustrating a method of microcredit service using an information communication network according to a third embodiment of the present invention.

The present invention relates to a service for lending cash through an information and communication network, and more particularly, to verify the identity and credit status of a lender through an information and communication network, and to instantly loan a small amount of cash to a bank account owned by the lender. It's about how.

Cash loans are usually made through banks. In order to receive cash loans, the lender must provide credit or tangible collateral corresponding to the loan amount and provide various types of proof of loan. In addition, it takes a period of 1-2 days in the loan screening process to obtain a cash loan from the bank, so there is a limit in that the application for cash loans and payment of loan amount are not made immediately.

On the other hand, cash loans are usually provided only for large amounts of more than several million won, and no loan service is provided for small amounts of cash for tens of thousands of won. The reason is that if you apply the existing complicated loan process for the loan of small amount of cash, it is not suitable for the bank's point of view, and the lender must take the complicated procedure to get the small amount of cash. This is because there is no profit to do.

However, in daily life, there are many cases where even small amounts of cash arise. For example, if you have little money but need to buy some essential items or books right away, you may have run out of cash while traveling and have difficulty using transportation. have. In this case, most of the cash you need right away is to contact your friends.

Meanwhile, mobile phone payments are in the spotlight as a means of purchasing content on the Internet for hundreds to thousands of dollars. For mobile payment, enter the social security number and mobile number at the Internet site to purchase the content, and in response, the payment server sends the authorization number to the user's mobile phone by SMS. Enter the approval number, and in response to the payment server to approve the payment whether the approval number matches.

However, mobile phone payments have recently been exploited as a means of lending small amounts of money in a negative manner. In other words, the mobile phone microlender attracts micro cash lenders through advertisements on the Internet. Then call a small cash lender to ask for your mobile phone number and social security number, and then buy a transferable electronic money or cyber money with your mobile payment. At this time, the authorization number is transmitted to the mobile phone of the small cash lender, the small number lenders call the small cash lender and ask for the approval number.

When the mobile phone payment is completed, the small loan lender deposits the remaining interest (for example, 30,000 won) from the payment amount (for example, 100,000 won) to the bank account of the small cash lender. In addition, the purchased electronic money or cyber money sells back to another third party at a price higher than the amount of the deposit, thereby further profiting.

Mobile payments are made with the micro cash lender's mobile number. Therefore, a small cash lender bears the burden of paying the amount corresponding to 'actual deposit amount + senior interest' at the time of settlement of the next month's mobile phone usage fee.

Such a small loan method is exposed to other third parties, such as social security number and mobile phone number, personal information that may be misused, small cash lenders should not bear the high interest rate and burden, mobile phone holders Because it is illegally made by another third party, it is placed in the front of the original purpose of mobile phone payment, and the normal form of electronic money / cyber money is purchased due to the reassignment of electronic money or cyber money purchased as a result of micro loan. Has problems such as not working properly.

Therefore, the present invention was devised to solve the above-mentioned problems of the prior art, and it is convenient to use the micro cash in an electronic and systemized manner, without the risk of leakage of personally identifiable information in the micro cash loan process, and in a voice and illegal manner. The purpose is to provide a small loan service method that can be easily loaned.

The microloan service method using the information communication network according to the present invention for achieving the above technical problem, (a) the lender terminal, the lender terminal, the subscriber ID and identity verification code that the microlender can confirm whether a predetermined communication service subscription of the lender Receiving from; (b) the microloan server communicating with a communication service server to authenticate whether the microlender subscribes to the communication service and whether the subscriber is a subscriber; (c) the microloan server querying and receiving a bank account number and a loan amount from the microlender terminal; (d) the microloan server querying a bank server where the bank account number is registered to confirm whether a bank account number has been registered and receiving an identity verification code; And (e) transferring the loan amount from the bank account of the microlending company to the bank account of the microlender if the identity code received from the lender terminal matches the identity code received from the bank server. It is characterized by.

According to an aspect of the present invention, the microlending terminal is a computer terminal of a microlender with a wired internet access function, and in step (a), the microlender connects to the microlending website on the wired internet using the microlending terminal. Doing; Entering a mobile phone number and a social security number through a small loan terminal through a small loan terminal; And receiving, by the microloan server, an input of a mobile phone number and a resident registration number. The step (b) includes the microloan server communicating with a mobile communication service server and using the mobile phone number and resident registration number. Authenticating whether the mobile communication service subscription and the subscriber identity; wherein, in the step (c), the identity verification code is the resident registration number of the account holder stored in association with the bank account number.

According to another aspect of the present invention, the lender terminal is a mobile terminal having a mobile phone number and a wireless Internet function, and in step (a), the small lender connects to the small loan server through the wireless Internet using the mobile terminal. Doing; The microloan server automatically receiving a mobile phone number assigned to a mobile terminal; And the microloan server querying and receiving a resident registration number from a mobile terminal. The step (b) includes the microloan server communicating with a mobile communication service server and using the mobile phone number and resident registration number. Authenticating whether the mobile communication service subscription and the subscriber's identity; and, in the step (c), the identity verification code is linked to the bank account number and stored in the account holder's social security number.

According to another aspect of the present invention, the lender terminal is a micro lender's computer terminal having a wired internet access function, and the step (a) includes: connecting the micro lender website to the micro loan website using the micro lender terminal; A small lender entering an internet communication service subscriber ID and a social security number through the small loan terminal; And receiving, by the microlending server, an input of an Internet communication service subscriber ID and a social security number. The step (b) may include: the microlending server communicating with an internet communication service server to receive the Internet communication service subscriber ID and Authenticating whether the microcredit lender subscribes to the subscriber and whether the subscriber is a subscriber using the resident registration number. In the step (c), the identity verification code is a resident registration number of the account holder linked to the bank account number.

According to another aspect of the present invention, the lender terminal is a wired or wireless telephone, and the step (a) includes: connecting the micro lender server to the lender terminal through the ARS service to the lender terminal; Automatically receiving the wired / wireless telephone number from the wired / wireless terminal by the microlending server according to the ARS connection of the lender terminal; And the microloan server querying the resident registration number with ARS voice to receive from the wired / wireless telephone. The step (b) includes the microloan server communicating with a wired / wireless telephone service server for the telephone number of the wired / wireless telephone. And verifying whether the micro-lender has subscribed to the wired / wireless phone using the resident registration number and whether the subscriber is a subscriber. In the step (c), the identity verification code is linked to the bank account number and stored in the account holder's resident registration number.

Preferably, before the step (b), the service server calculates the small loan limit amount of the small loaner and transmits to the small loan server; And transmitting the small loan limit amount to the lender terminal.

Preferably, before the automatic transfer of the small loan amount in the step (e), the service server calculates the small loan limit amount and transmits to the small loan server; And determining, by the microlending server, whether the loaned amount is within the range of the loan limit, by comparing the small loan limit transmitted with the small borrower's loan request amount with each other, and the automatic transfer of the step (e). The execution of the loan shall be made only if the loan request amount is within the loan limit.

The present invention includes the steps of the service server operating company charges and accepts a small lender by summing the loan amount and the communication service usage fee; And calculating, by the service server operating company, a small loan server operating company by limiting a predetermined fee from the stored loan amount.

In this case, it is preferable that the billed amount additionally includes a fee or interest for providing a small loan service.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Prior to this, terms or words used in the present specification and claims should not be construed as being limited to the common or dictionary meanings, and the inventors should properly explain the concept of terms in order to best explain their own invention. Based on the principle that can be defined, it should be interpreted as meaning and concept corresponding to the technical idea of the present invention. Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiment of the present invention and do not represent all of the technical idea of the present invention, various modifications that can be replaced at the time of the present application It should be understood that there may be equivalents and variations.

1 is a flow chart of a microloan service method using an information communication network according to a first embodiment of the present invention. The first embodiment describes a case in which a small lender borrows a small amount of cash through the small loan website 20 using a computer terminal 10 having a wired Internet access function. Here, the computer terminal 10 functions as a microloan terminal of the present invention.

Referring to the drawings, first, the small loaner uses the computer terminal 10 to access the small loan website 20 through the wired Internet (S10). At this time, a known web browser is utilized. Then, enter the mobile phone number and social security number in the small loan corner provided on the website (20). Then, the input information is transmitted to the small loan server 30 (S20).

Here, the mobile phone number corresponds to a mobile communication service subscriber ID used to confirm whether the micro-lender is subscribed to the mobile communication service. And, the resident registration number is an identity verification code used to confirm whether the subscriber.

The microlending server 30 requests the small lender's subscription to the mobile communication service and the identity of the subscriber while transmitting the mobile number and social security number received through the microlending website 20 to the mobile communication service server 40. (S30). Here, the mobile communication service server 40 is a system operated by a mobile communication service provider, and has constructed various subscriber information including a mobile phone number and a social security number of a subscriber as a database.

Then, the mobile communication service server 40 checks whether the cellular phone number and the resident registration number transmitted in step S30 are stored in the database in which the subscriber information is stored (S40).

If it is determined in step S40 that the subscriber and the user is not (NO in S40), the mobile communication service server 40 transmits the authentication failure code to the micro loan server 30 (S50). Then, the microlending server 30 notifies that the microlending is not possible through the microlending website 20 (S60). Preferably, the reason for the small loan is not specifically provided, that is, the mobile communication service is not subscribed to and / or is not the subscriber.

As a result of checking in step S40, if the subscriber and the person is correct (YES in S40), the mobile communication service server 40 calculates a small loan limit (S70).

Here, the microlending limit will be described in detail. Small loans can only be made within a policy-set limit (eg, 100,000 won). To this end, the mobile communication service server 40 manages a micro payment limit amount for each mobile number as a database. The microcredit limit is obtained by querying the database by the microcreditor's mobile phone number. The loan limit is reduced each time a small loan is approved.

When the loan limit is calculated in step S70, the mobile communication service server 40 transmits the calculated amount to the small loan server 30 (S80). Then, the small loan server 30 outputs the loan limit amount to the small terminal's computer terminal 10 through the small loan website 20 (S90). At the same time, the loan amount, the bank name to which the loan amount is to be deposited and the bank account number are queried to the microlender through a predetermined web interface.

The small lender checks the loan limit output in step S90 and inputs a desired loan amount, the name of the bank in which his account is registered, and the account number in the web interface. Here, the input information is transmitted to the small loan server 30 (S100).

The small loan server 30 checks whether the loan amount is within the small loan limit among information inputted by the small borrower (S110). At this time, it refers to the small loan limit transmitted from the mobile communication service server 40 in step S80.

As a result of the check in step S110, if the loan limit is exceeded (NO in S110), a message is issued that the loan limit is exceeded and the loan is not made, and then through the microloan website 20 to the computer terminal 10 of the microlenders. Output (S120).

On the contrary, if the check result of step S110, the loan limit is not exceeded (YES of S110), the microlending server 30 refers to the bank name entered by the microlender and transfers the bank account number to the corresponding bank while registering the account. And query the resident registration number of the account holder (S130).

Then, the bank server 50 checks the database containing the customer's account number to check whether the account number transmitted in step S130 is registered (S140).

As a result of checking in step S140, if the account number is not registered (NO in S140), the account non-registration code is transmitted to the small loan server 30 (S150). Then, the microloan server 30 notifies the micro-lender's computer terminal 10 that the loan is not possible due to the unidentified account of the microloan amount to be deposited through the microloan website 20 (S160).

On the other hand, if the verification result of step S140, if the account number is registered (YES of S140), the bank server 50 inquires the database containing the personal information of the account holder and the account registration number of the account holder microloan server 40 Transmit to (S170).

Then, the microloan server 40 checks whether the resident registration number received from the bank server 50 in step S170 and the resident registration number entered by the microlender through the website in step S30 (S180).

As a result of checking in step S180, if the resident registration numbers do not match each other (NO in S180), the message that the loan is not possible because the owner of the mobile number and the account number is different from each other through the micro-loan website 20 of the micro-lender Output to (10).

On the other hand, if the verification result of step S180, if the resident registration number is matched (YES of S180), report that the owner of the mobile phone number and the owner of the account number match, and performs a direct debit for the small loan amount (S200). Direct debit is made by real-time linkage with a microloan server and a payment gateway (PG) that provides bank debit services. In the automatic transfer process, the small loan amount is directly transferred from the bank account of the micro loan server operating company to the bank account of the small lender.

If the direct debit is successful, a message indicating that the transfer of the requested small loan amount is completed is output to the micro lender's computer terminal 10 through the small loan website 20.

At the same time, the small loan server 30 stores the small loan details in the database (S210). The small loan details include a mobile phone number, a social security number, a small loan amount, the name of the bank in which the small loan amount is deposited, a bank account number, and the date of the small loan transfer.

Further, the small loan server 30 transmits the small loan details to the mobile communication service server 40 (S220). Then, the mobile communication service server 40 stores the small loan details in the database, and subtracts the small loan limit amount stored by matching with the mobile phone number of the small borrower by the amount of the automatic transfer (S230). Thus, the microlending service according to the first embodiment of the present invention is completed.

On the other hand, although not shown in the drawings, the mobile communication service company adds a small loan amount (for payment) and a loan service fee (or loan interest within the legal interest rate) to the billing when issuing a monthly mobile phone bill. The small loan amount information is obtained by querying the small loan details DB built by the mobile communication service server 40 in step S230.

When the mobile phone bill is issued as described above, the microlender pays the small loan amount and the loan service fee (or interest) together with the mobile phone bill. Then, the mobile communication service company pays the remaining amount to the microlending service company by limiting a certain amount of fees according to the service alliance from the received small loan service related fee. This completes the settlement of the payment associated with the microloan service.

The first embodiment of the present invention described above is applicable to the following. That is, the microlender enters the Internet communication service subscriber ID instead of the mobile phone number on the microloan website 20. Here, the Internet communication service refers to a high speed internet service such as a megapath, a rolling net, a hanaro communication, and the like.

When the first embodiment is modified as described above, the mobile communication service server 40 is replaced with an internet communication service server. In addition, step S30 is a step for requesting the subscription of the Internet communication service and authentication of the user, and step S40 is changed to a step performed by the Internet communication service server 40. Further, the information for identifying the subscriber in various databases is changed from the mobile phone number to the Internet communication service subscriber ID, and the mobile phone number used in the inquiry process of the various databases is changed to the Internet communication service subscriber ID. In addition, the micro-credit limit management and billing, storage and settlement of the small loan amount is carried out by the Internet communication service company, and the settlement method of the small amount of the loan amount plus a certain amount (or interest) is substantially different from that of the first embodiment. same.

2 is a flow chart of a microloan service method using an information communication network according to a second embodiment of the present invention. The second embodiment describes a case in which a small lender borrows a small amount of cash by accessing a wireless Internet service 20 'that provides a small loan service using a mobile terminal 10' having a wireless Internet access function. Here, the mobile terminal 10 'functions as a micro loan terminal of the present invention.

Referring to the drawing, first, the small loaner accesses the wireless Internet service 20 'by using the mobile terminal 10' (S10 '). The wireless Internet service referred to herein refers to a service provided by each mobile carrier. SK Telecom provides 'Nate' service, KT's 'Magic En' service and LG Telecom's 'EZ-i' service.

Then, the microlender selects the microlending corner provided in the wireless Internet service 20 '. Then, the mobile terminal 10 ′ and the microloan server 30 are connected to each other via a wireless internet network.

When the connection is made, the microloan server 30 receives the corresponding information by inquiring the resident registration number of the microlender to the mobile terminal 10 '(S20'). To this end, an interface for receiving a social security number should be provided on the display of the mobile terminal 10 '. The social security number is used as an identity verification code as in the first embodiment.

On the other hand, the mobile phone number assigned to the mobile terminal 10 'can be extracted from the data packets transmitted and received in the process of the mobile terminal 10' is connected to the microloan server 30 through the wireless Internet, so a separate input process It can be omitted. Of course, when querying the resident registration number, the mobile phone number may also be queried with the small loaner to receive the corresponding information.

The rest of the procedure of the second embodiment is substantially the same as that of the first embodiment except that the medium is the mobile terminal 10 'in transferring various data from the microlending server 30 to the microlender. Therefore, detailed description of the rest of the procedure is omitted.

3 is a flowchart illustrating a method of microcredit service using an information communication network according to a third embodiment of the present invention. The third embodiment describes a case in which a small lender receives a small amount of cash by accessing the small loan server 30 through an ARS service using a wired or wireless telephone (including a mobile phone or a PDA phone).

The wired / wireless phone is given a phone number in a 1: 1 manner, and the phone number given to the wireless phone may be viewed as a mobile phone number. The interconnection of the wired / wireless telephone 10 " and the microloan server 30 through the ARS service 20 " is made through different telephone networks.

However, since the gist of the present invention does not belong to the specific type of the telephone network, it is clear from the drawings that the type of telephone is integrated with the case of a wired telephone and a case of a wireless telephone. Here, the wired / wireless telephone 10 " functions as a microlending terminal of the present invention.

Referring to the drawings, first, the small loaner is connected to the ARS service 20 '' using a wired or wireless telephone 10 '' (S10 ''). The ARS service 20 '' is provided by a known ARS system that works with the microloan server 30. In order to access the ARS service 20 '', the microlender must know the ARS access telephone number.

When connected to the ARS service 20 '', the ARS system queries and inputs the social security number to the small loaner by automatic voice and transmits it to the small loan server 30 (S20 ''). At this time, the input of the resident registration number is made by the operation of the keypad provided in the wired or wireless telephone 10 ''. Then, the resident registration number is used as the identity verification code.

On the other hand, since the telephone number assigned to the wired / wireless telephone 10 '' can be extracted from the data packet transmitted and received while the wired / wireless telephone 10 '' is connected to the ARS service 20 '', a separate input process can be omitted. Do. Of course, when the voice inquiry of the resident registration number, the telephone number may also be queried with the small loaner to receive the corresponding information.

The rest of the procedure of the third embodiment is that the various information transmitted to the micro lender is transferred to the automatic voice through the wired / wireless telephone 10 '', unlike the first and second embodiments, by the mobile communication service server 30. That the steps to be performed are performed by the wired / wireless telephone service server 30, the criteria for storing and retrieving information in various databases are changed from the mobile phone number to the wired / wireless telephone number, the policy management of the small loan limit, the amount of the small loan amount The actual technical configuration is the same as in the first embodiment except that the billing, receiving and settlement subject is changed from the mobile communication service company to the wired / wireless telephone service company. Here, the wireless telephone service company may be regarded as a mobile communication service company. Therefore, detailed description of the remaining procedures of the third embodiment will be omitted.

In the third embodiment, all the information transferred to the wired / wireless telephone 10 ″ of the micro lender, for example, a loan limit amount, a message informing that the loan is not possible, a message informing that the direct debit was successful, etc. Is provided. Therefore, the information that the microlending server 30 intends to deliver to the microlender is converted to voice in the ARS system and then transferred to the wired / wireless telephone 10 ''. Since the technical configuration is adopted by a known ARS service, detailed description thereof will be omitted.

As described above, although the present invention has been described by way of limited embodiments and drawings, the present invention is not limited thereto and is intended by those skilled in the art to which the present invention pertains. Of course, various modifications and variations are possible within the scope of equivalents of the claims to be described.

According to the present invention, the micro lender can immediately receive the micro loan by accessing the micro loan server through the information communication network. In addition, unlike the conventional voice cell phone micro-loan, the information necessary for the micro-loan is not arbitrarily provided to the third party, so that personally identifiable information used for the micro-loan can be prevented from being useful. Furthermore, since a small loan is normally made only when the identification code registered in the bank and the identification code registered in another institution match each other, a safer loan service is possible. In addition, since the small loan is made only within a predetermined limit, it is possible to prevent the personal credit from being lowered due to the abuse of the small loan.

Claims (9)

(a) the microloan server receiving a subscriber ID and a user identification code from the lender's terminal which can confirm whether or not the microcredit lender subscribes to a predetermined communication service; (b) the microloan server communicating with a communication service server to authenticate whether the microlender subscribes to the communication service and whether the subscriber is a subscriber; (c) the microloan server querying and receiving a bank account number and a loan amount from the microlender terminal; (d) the microloan server querying a bank server where the bank account number is registered to confirm whether a bank account number is registered and receiving an identity code of an account holder; And (e) if the identity verification code received from the lender terminal and the identity verification code received from the bank server match, transferring the loan amount from the bank account of the microlending company to the bank account of the microlender; Microloan service method using an information and communication network. The method of claim 1, The micro loan terminal is a computer terminal of a micro lender with a wired internet access function, The step (a) may include: accessing a small loan website on the wired Internet using a small loan terminal; Entering a mobile phone number and a social security number through a small loan terminal through a small loan terminal; And receiving, by the microloan server, the input mobile phone number and social security number. The step (b) is the micro-loan server communicating with a mobile communication service server to authenticate whether the micro-lender's mobile communication service subscription and subscriber identity using the mobile phone number and social security number; In the step (c), the identity verification code is a small loan service method using an information and communication network, characterized in that the account holder's resident registration number stored in association with the bank account number. The method of claim 1, The lender terminal is a mobile terminal having a mobile phone number and a wireless Internet function, In the step (a), a small lender accesses the small loan server through the wireless Internet using a mobile terminal; The microloan server automatically receiving a mobile phone number assigned to a mobile terminal; And the microloan server querying and receiving a social security number from a mobile terminal. The step (b) is a micro-loan server communicating with a mobile communication service server to authenticate whether the micro-lender's mobile communication service subscription and subscriber identity using the mobile phone number and social security number; In the step (c), the identity verification code is a micro-loan service method using the information communication network, characterized in that the account holder is stored in the resident registration number linked to the bank account number. The method of claim 1, The lender terminal is a micro lender's computer terminal having a wired internet access function, The step (a) may include: accessing a small loan website using a small loan terminal; A small lender entering an internet communication service subscriber ID and a social security number through the small loan terminal; And receiving, by the microloan server, an inputted Internet communication service subscriber ID and a social security number. Step (b), the microlending server communicates with the Internet communication service server to authenticate whether or not a small loan borrower of the Internet communication service subscription and subscriber identity using the Internet communication service subscriber ID and social security number; In the step (c), the identity verification code is a micro-loan service method using the information communication network, characterized in that the account holder is stored in the resident registration number linked to the bank account number. The method of claim 1, The lender terminal is a wired or wireless telephone, In the step (a), the small lender accesses the small loan server through the ARS service to the lender terminal; Automatically receiving the wired / wireless telephone number from the wired / wireless terminal by the microlending server according to the ARS connection of the lender terminal; And the microloan server querying the resident registration number with ARS voice and receiving it from the wired or wireless telephone. The step (b) is the micro-loan server communicating with a wired / wireless telephone service server to authenticate whether the micro-lender is subscribed to the wired / wireless telephone using a telephone number and a resident registration number of the micro-loan telephone, and whether the subscriber is a member. In the step (c), the identity verification code is a micro-loan service method using the information communication network, characterized in that the account holder is stored in the resident registration number linked to the bank account number. The method according to any one of claims 1 to 5, Before proceeding to step (b), Calculating, by the service server, the small loan limit amount of the small borrower and transmitting the small loan limit amount to the small loan server; And And sending the small loan limit amount to the lender terminal. The method according to any one of claims 1 to 5, Before automatically transferring the small loan amount in step (e) above, Calculating, by the service server, a small loan limit and transmitting the small loan limit to a small loan server; And determining, by the microlending server, whether the loaned amount is within the range of the loaned limit by comparing the small loaned amount with the loaned amount of the small borrower. The microcredit service method using the information communication network, wherein the automatic transfer of the step (e) is performed only when the loan request amount is within a loan limit. The method according to any one of claims 1 to 5, Billing and receiving a small loan by adding up the loan amount and a communication service usage fee by the service server operating company; And The service server operating company to settle the remaining amount of a limited fee from the loan amount stored in the small loan server operating company; Small loan service method using an information and communication network further comprising. The method of claim 8, The claim amount is a small loan service method using an information and communication network, characterized in that it further comprises a fee or interest in accordance with the provision of a small loan service.

Images