KR20070082801A - System and method for relaying borrowing and lending deal and recording medium - Google Patents

Abstract

A system and a method for relaying a monetary loan for consumption, and a program recording medium thereof are provided to guarantee a principal of a loaner by defining an interest rate of a borrower as the interest rate corresponding to an interest rate condition of a loaner and setting a principal guarantee interest rate offsetting a risk rate from an interest condition of borrower condition information. An information receiver(1015) receives loaner condition information from a loaner terminal(1070). An information checker(1035) checks whether a principal guarantee condition is inputted by checking the loaner condition information. A principal guarantee interest rate calculator calculates the risk rate, and calculates the principal guarantee interest rate offsetting the calculated risk rate from the loan interest rate information of the loaner if the principal guarantee condition is inputted. An information storing part(1050) stores the calculated principal guarantee interest rate to a storage medium(1065) by linking with the loaner condition information. An interest processor(1055) deposits an amount corresponding to the principal guarantee interest rate to an account of the loaner.

Description

System and Method for Relaying Borrowing and Lending Deal and Recording Medium}

1 is a diagram illustrating an information registration system for guaranteeing the principal of a consumer of a consumer of money in the money consumption balance relay service according to the present invention.

Figures 2a and 2b is a view showing the configuration of information stored in the member information D / B for the money consumption relay service in accordance with the present invention.

3 is a diagram illustrating the structure of the information on the consumption of consumer loans stored in the information on the consumption of consumer loan conditions D / B for the service of money consumption relay according to the present invention.

4 is a diagram showing the configuration of the information on the consumption of consumer loans stored in the information on the consumption of consumer loan conditions D / B for the money consumption relay service according to the present invention.

5A, 5B, and 5C are diagrams illustrating the structure of principal guarantee information stored in the money consumption condition condition information D / B for the money consumption relay service according to the present invention.

6 is a diagram illustrating an information registration process for a cash consumption relay service according to the present invention.

7 is a diagram illustrating an information registration process for a cash consumption relay service according to the present invention.

8 is a diagram illustrating an information processing process for guaranteeing the principal of money lending relay service according to the present invention.

9A, 9B, and 9C are diagrams illustrating an information registration process for guaranteeing principal of a money balance relay service according to the present invention.

10 is a diagram showing the configuration of a cash consumption balance relay system according to the embodiment of the present invention.

11A and 11B are diagrams illustrating the structure of money consumption detail information according to an embodiment of the present invention.

12 is a diagram illustrating an information providing process for a money consumption relay service according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a money consumption balance relay process for a money consumption balance relay service according to an embodiment of the present invention.

14 is a diagram illustrating a process for processing money consumption loans for a money consumption relay service according to an embodiment of the present invention.

FIG. 15 is a diagram illustrating an interest amount processing process for guaranteeing principals of money consumption according to an embodiment of the present invention.

16 is a view showing a process of offsetting the principal loss for the principal of the money consumer in accordance with the method of the present invention.

<Description of main parts of drawing>

100: information registration server 130: principal security processing unit

140: information on the consumer loan conditions D / B 165: customer consumers on the money consumer loan

1000: money consumption balance relay server 1015: information receiving unit

1020: information extraction unit 1025: information transmission unit

1035: information verification unit 1040: money consumption balance relay

1045: fund processing unit 1050: information storage unit

1055: interest amount processing unit 1060: principal loss offset processing unit

1065: storage medium 1070: customer terminal for the consumer of money

The present invention provides a method of relaying an individual personal money loan transaction relaying a deposit of at least one cash consumer customer to at least one money consumer customer, wherein the loan amount information, loan period information and Input and / or select predetermined loan consuming condition information including at least one loan interest rate information, at least one loan consuming customer condition information, and at least one principal guarantee condition information, and at the predetermined information receiving means; The terminal receives the input and / or selected money consumption condition information, and confirms the money consumption condition information by a predetermined information confirming means, and confirms whether the principal guarantee conditions have been input and / or selected, and as a result of the checking, When the principal guarantee condition is entered and / or selected, the principal in the predetermined principal guarantee interest rate calculation means Calculating and / or extracting a risk rate according to the guarantee, and adding the calculated and / or extracted risk rate to loan interest rate information corresponding to the money consumption condition information, the calculated from the interest rate information presented by the money consumption customer. Calculating the principal interest rate after subtracting the risk ratio, and storing the principal interest rate calculated by the predetermined information storage means in the money consumption condition information or storing the information on the predetermined storage medium by linkage processing; It is to provide a method and system for consumption loan transaction relay and a program recording medium therefor.

The money balance relay service is a service for relaying a money balance agreement between at least one money consumer and at least one money consumer, and the money balance relay service is a one-to-one between at least one money consumer and the money consumer. Direct trade cash balance relay service, and / or one-to-many direct cash flow balance relay service between at least one or more money consumer stocks and money consumer stocks, and / or any of the money consumer and / or money consumer borrowers. There may be an auction / reverse auction money relay service that presents the terms of the money loan agreement and the other party concludes the money loan agreement based on the terms of the money loan agreement.

The most serious problem in such a money balance relay service is that there is no way to guarantee (or preserve) the principal of the customer.

In the case of investment products through conventional financial institutions, investment amount of 50 million won or less in the deposit (or savings) product can be guaranteed principal (or principal) according to the depositor protection law.

In addition, even if the principal guarantee (or principal preservation) is impossible under the Depositor Protection Act, the financial institution may repay the expected amount of the investment in another investment product to offset the loss of principal caused by the investment amount. Principal preservation (or pursuit of principal preservation) is possible.

On the other hand, since the money lending relay service lends the principal of the customer of the consumer of the money consumer to at least one money consumer according to a predetermined money lending procedure, the principal guarantee (or the principal preservation) as well as the preservation of the principal ( Or even the pursuit of principal preservation) is a difficult problem to be provided.

The present invention has been made to solve the above problems, the money consumer in the process of providing the money loan relay service, the money consumer including a predetermined amount of conditions, interest rate conditions, period conditions and / or money consumer borrowing conditions When the condition information is registered and a request for guarantee of the principal of the consumer of the money is made, the principal of the consumer of the money is guaranteed in consideration of the quarterly, monthly or yearly average unpaid rate for the customer of the consumer of money. Calculating (or extracting) a risk ratio for calculating and / or extracting a risk ratio for guaranteeing the non-cash principal's principal in proportion to a credit rating of a customer group (or a customer) of a consumer of borrowers; The purpose of this paper is to provide a method and system for relaying money consumer loan transactions and a program recording medium therefor.

An object of the present invention is defined as the interest rate corresponding to the interest rate conditions of the consumer's consumer loan information, the interest rate corresponding to the money consumer's repayment interest in order to ensure the principal of the consumer's consumer money, By subtracting the risk rate from the interest rate condition of consumer loan condition information, the cash consumer pays the risk ratio for guaranteeing the principal of the consumer's principal, so that the interest amount corresponding to the risk ratio is lost for the principal's principal guarantee. The purpose of the present invention is to provide a method and system for relaying money consumer loan transactions, which is deposited as a levy, and a program recording medium therefor.

An object of the present invention is defined as the interest rate corresponding to the interest rate conditions of the money consumer's principal guarantee rate of the money consumer's principal guarantee interest rate to ensure the principal of the consumer's principal, the repayment interest rate of the money consumer's repayment is the money consumption By adding the risk under the interest rate condition of the loan condition information, the cash consumer pays the risk rate for guaranteeing the principal of the consumer of the money, so that the interest amount corresponding to the risk ratio is lost to the principal of the consumer's principal. The purpose of the present invention is to provide a method and system for relaying money consumption balance transactions, and a program recording medium therefor.

It is an object of the present invention to guarantee the principal of the consumer's principal, the repayment interest rate of the consumer's borrower adds a part of the risk rate under the interest rate condition of the information of the consumer's consumer loan condition, and the principal guarantee interest rate of the consumer's principal By subtracting the remaining part of the risk from the interest rate condition of the money consumer condition information, the money consumer and the money consumer pay part of the risk rate to guarantee the principal of the money consumer interest by the portion corresponding to the risk The purpose of the present invention is to provide a method and system for relaying money consumer loan transactions, and a program recording medium therefor, wherein the amount of money is deposited as a loss burden for guaranteeing principals of the money consumer.

According to the present invention, in the interpersonal money consumption transaction relay system for lending a deposit of at least one cash consumer customer to at least one money consumer customer, the loan amount information, loan period information and Information receiving means for receiving input data and / or selection data of predetermined money consumption condition information including at least one loan interest rate information, money consumption customer condition information, and principal guarantee condition information; Information checking means for checking the money consumption condition information and confirming whether a principal guarantee condition has been input and / or selected; As a result of the checking, when the principal guarantee condition is input and / or selected, the risk ratio according to the principal guarantee is calculated and / or extracted, and the calculated and / or extracted risk rate is added to the loan interest rate information corresponding to the monetary consumption condition information. Additionally, a principal guarantee interest rate calculating means for calculating a principal guarantee interest rate obtained by subtracting the calculated risk ratio from the loan interest rate information presented by the money consumer; Information storage means for including the calculated principal guarantee interest rate in the money consumption condition condition information or in association with each other and storing the calculated principal security interest rate in a predetermined storage medium; And a deposit of the cash consumer customer is loaned to at least one money consumer customer in accordance with the loan interest rate conditions presented by the money consumer customer, and the interest corresponding to the loan amount from the at least one money consumer customer. If the amount is deposited, an interest amount processing means for depositing the amount of money corresponding to the principal guaranteed interest rate from the interest amount to the money consumer account, the account; characterized in that it comprises a.

According to the method of the present invention, the principal guarantee interest rate is preferably made to include a commission rate according to the money consumption transaction relay.

In addition, the risk ratio is calculated or extracted in consideration of the quarterly or monthly or yearly average unpaid rate at the time of relaying the loan, or the credit of the customer group (or customer) of the consumer of the money consumer corresponding to the customer condition information of the consumer It is preferably calculated or extracted in proportion to the grade.

According to the method of the present invention, it is preferable that the interest amount processing means collects the remaining amount as a fee except the amount corresponding to the principal guarantee interest rate from the interest amount.

According to the embodiment of the present invention, it is preferable that the money-hungry customer terminal comprises a wired terminal and / or a wireless terminal.

The present invention provides a method of relaying an individual personal money loan transaction relaying a deposit of at least one cash consumer customer to at least one money consumer customer, wherein the loan amount information, loan period information and Inputting and / or selecting predetermined money consumption condition information including at least one loan interest rate information, money consumption customer condition information, and principal guarantee condition information; Receiving money consumption condition information input and / or selected by the money consumption customer terminal in a predetermined information receiving means; Checking the money consumption condition conditions information in a predetermined information checking means to confirm whether a principal guarantee condition has been input and / or selected; As a result of the checking, when the principal guarantee condition is input and / or selected, a risk according to principal guarantee is calculated and / or extracted by a predetermined principal guarantee interest rate calculating means, and the calculated and / or extracted risk ratio is determined by the consumer spending condition. Calculating a principal-guaranteed interest rate by subtracting the calculated risk ratio from the loan interest rate information presented by the money consumer, in addition to the loan interest rate information corresponding to the information; And storing the calculated principal guarantee interest rate in the money consumption condition condition information in a predetermined information storage means, or storing the same in a predetermined storage medium by linkage processing.

According to the implementation method of the present invention, the money consumption loan transaction relay method is a deposit of the money consumer loan customer is loaned to at least one or more money consumer borrower customers, corresponding to the loan amount from the at least one money consumer borrower customer When an interest amount is deposited, a predetermined interest amount processing means deposits only the amount corresponding to the principal guarantee interest rate from the interest amount into the money consumer account, and the amount corresponding to the principal guarantee interest rate from the interest amount. It is preferable to further comprise the step of collecting the remaining amount as a fee.

According to the present invention, the recording medium provided on the system in which the money consumption transaction transaction relay method is realized is characterized in that a program for executing the method is recorded.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of 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. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, each means constituting the cash balance relay system according to the present invention is a program (e.g., each means) recorded on a recording medium provided in a predetermined server according to a unique characteristic (or role) defined in the means. A program comprising at least one function unit (Function) for performing a unique function (or role) of the device, and / or configured as an independent server performing a unique function defined in the means (e.g., And a plurality of server systems interoperating with each other through a predetermined server-to-server interface), and the preferred embodiments of the present invention described below may be implemented in order to efficiently describe the technical components of the present invention. This is done through a program (and / or a plurality of servers interoperating with each other) recorded on a recording medium provided in a predetermined server. It will be described as, but the implementation method of the means is not limited to the case of the following embodiment.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited. For example, the following embodiment defines the cash consumption transaction relay server as an information registration server or a cash consumption relay server according to a role in order to easily explain the present invention.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a view showing an information registration system for guaranteeing the principal of the consumer of the money consumer in the course of the money consumer loan relay service according to the present invention.

In more detail, Figure 1 is at least one money consumer loan loans a predetermined amount to the at least one money consumer borrower in the course of the money loan relay service, when the principal guarantee is requested from the money consumer customers, the money In order to guarantee the principal of the consumer's customer, the information on the consumer's loan condition including at least one or more of a money condition, an interest rate condition, a term condition, and / or a money consumer condition is received. Processing (or modification) to the structure that can guarantee the principal according to the invention, and the predetermined amount of financial consumer conditions information D / B (140) by linking the cash consumer information and the customer information and / or customer deposit information of the consumer A method for implementing an information registration system configuration to be stored in If one of ordinary skill in the art, with reference to and / or modifying the present Figure 1 for the money consumption balance relay service according to the present invention from at least one money consumer loan customer terminal 165 according to each implementation method Although an implementation method for various information registration system configurations for receiving and storing condition information may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In FIG. 1, a means and / or a functional configuration for performing the information registration of the money consumer for the money consumer loan relay service according to the present invention is referred to as "information registration server 100" in FIG. It demonstrates and demonstrates.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for a money lending relay service according to the present invention includes at least one money consumer group customer terminal 165 used by at least one money consumer, and the customer. The information registration server 100 is connected to the terminal through a predetermined network means 160, and the information registration server 100 to register the information for the money consumer for the money consumer loan relay service according to the present invention. It is characterized in that it comprises at least one or more databases associated with the registration server 100 (or provided in the information registration server 100), and the information registration server 100 is the money consumer in accordance with the present invention In the information registration process (or after information registration) according to the processing of the predetermined amount deposit process to lend a predetermined amount to the at least one borrower It is characterized in that the financial system 155 is linked with a predetermined interface means 150.

The money consumption customer terminal 165 may be a wired network (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or based on Transmission Control Protocol / Internet Protocol (TCP / IP). A mobile communication network comprising at least one wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 via a cable communication network, and / or a code division multiple access (CDMA) based system. A wireless terminal including at least one mobile communication terminal connected to the mobile communication terminal, and / or a portable internet terminal connected to the IEEE 802.16 based high speed wireless internet, and / or a wireless data communication terminal connected to a DataTAC / Mobitex based wireless data communication network. Characterized in that it comprises at least one, and the consumer money consumer terminal 165 is the information registration form A function configuration (for example, a browser program) for outputting at least one or more interface screens provided by 100 and inputting and / or selecting at least one or more information through the interface screens and transmitting them to the information registration server 100. Communication function) is preferably provided.

Those skilled in the art to which the present invention pertains can easily infer the features of the money-consuming client terminal 165 corresponding to at least one or more wired terminals and / or wireless terminals. Detailed description is omitted for convenience.

The information registration server 100 comprises at least one means and / or a functional configuration for performing information registration of the money consumption notice for the money consumption balance relay service according to the present invention at the provider of the money consumption balance relay service according to the present invention. And the means and / or functional configuration are at least one server (or device), and / or a recording medium provided in the server (or device) according to the intention of a person skilled in the art of practicing the present invention. It can be implemented as a program recorded in, etc., Figure 1 is registered with the information of the consumer spending information on a predetermined information registration server 100 for easily explaining the technical features of the present invention to those skilled in the art of practicing the present invention. Although illustrated and described as having a means to perform and / or a functional configuration, the present invention is not limited thereby.

In addition, the information registration server 100 is associated with at least one or more databases in order to perform the information registration of the money consumer for the money consumer loan relay service according to the present invention at the money lending relay service provider side according to the present invention; And / or at least one database, and in FIG. 1, a database that may obscure the gist of the present invention is omitted for convenience.

Referring to Figure 1 according to an embodiment of the present invention, the information registration server 100 for the registration of information on the money consumer for money consumption relay service according to the present invention is at least one money consumer and / or money Member information D / B (145) for storing member information corresponding to the consumer borrower, and the money consumer's condition information D for storing the money consumer's money consumer condition information for the money consumer loan relay service according to the present invention; / B 140 is provided.

The member information D / B 145, which stores the money consumer loan member information, provides money consumer loan information for the money consumer who loans a predetermined amount of money to the at least one money consumer. And the intention and / or intention of a person skilled in the art to carry out the present invention, characterized in that the money consumer includes information on the customer account holder for operating and managing the loan of a predetermined amount to the at least one money consumer. According to the law related to the present invention, the member information D / B 145 is a contract (or terms and conditions) concluded between the money consumer and the money consumer service relay service provider for the money consumer service relay service according to the present invention. And / or at least the amount of money consumption stock corresponding to the money consumption loan relay service according to the present invention. Money including the at least one method and / or the rights and responsibilities of the money consumer and the money consumer loan service provider for the amount deposited by the money consumer in order to lend to the money consumer; Consumption loan fund management information (not shown) may be further included, and in addition, the member information D / B 145 for storing the consumer loan member information according to the intention of the skilled person may further include at least one or more information. .

According to the embodiment of the present invention, the money consumer loan account information is withdrawn the amount to borrow the money consumer loan funds to at least one money consumer borrower customer, the principal and / or interest repaid from the money consumer borrower customer It is preferable to include the information on the financial consumer's financial account corresponding to the financial account deposited to the customer's consumer, and / or the customer's deposit account information for depositing the money consumer's funds by the customer's money consumer; It is preferable to make it.

According to the method of the present invention, the principal and / or interest deposited into the financial consumer bank account is limited in the principal and / or interest reimbursed from the consumer of the financial consumer for the money lending relay service provider. It is desirable to deposit the amount.

The member information D / B 145 which stores the money consumer borrower member information includes money consumer account information for the money consumer who borrows at least one money consumer loan fund, and the money consumer borrower at least one or more money. It includes a customer account information for money borrower to manage the borrowing of consumer loans, and the member information D / B in accordance with the intention of the person skilled in the art to implement the present invention and / or law related to the present invention 145, the contents of the contract (or the terms and conditions) and / or the money consumer borrower entered into (or to be concluded) between the money consumer and the money lender relay service provider for the money lender relay service according to the present invention. Gold for borrowing at least one or more money consumer loan funds in response to the money balance relay service according to the present invention. Loan loan management information (not shown) including at least one method and / or the responsibility and obligations of the borrower for the loan amount to the borrowed amount, and in addition to the intention of the skilled person Accordingly, the member information D / B 145 for storing the money consumer borrower member information may further include at least one information.

According to an embodiment of the present invention, the customer may have borrowed (and / or redeemed) a predetermined borrowing amount from at least one or more money consumer through at least one or more money consumer through the money loan relay service according to the present invention. In this case, the money consumer borrower customer information preferably further includes delinquent information on the money consumer, whereby predetermined creditworthiness information for the customer may be calculated.

According to the embodiment of the present invention, the money consumer borrower customer account information manages the borrowed money borrowed from the at least one money consumer through the money consumer loan relay service according to the present invention, and the money It is preferable that the principal and / or interest repaid from the consumer borrower customer include the financial consumer finance account information corresponding to the financial account deposited to the money lender relay service provider, and / or the consumer of the money consumer. It is preferable that the borrowing amount borrowed from at least one financial consumer through the money consumer loan relay service according to the present invention includes customer loan account information of the customer who has deposited money.

The money consumption condition information D / B 140 is the money consumption condition information received from a predetermined money consumer customer terminal 165, the money consumer information and the customer deposit information for the money consumer customers; Characterized in that the linkage processing.

According to the method of the present invention, the monetary consumer condition information includes at least one of a monetary condition, an interest rate condition, a period condition, and / or a monetary borrower condition for the amount of money that the predetermined monetary consumer borrows from the at least one monetary borrower. Preferably, the customer deposit information includes the deposit amount information and the money amount deposited by the cash consumer to lend to at least one money consumer through the money balance relay service according to the present invention; It is preferable to include at least one or more customer deposit account information for depositing consumer spending funds and / or deposit confirmation information for confirming whether an amount corresponding to the money consumption loan funds is deposited in the customer deposit account.

In addition, the information registration server 100 is a predetermined process for processing the depositor's money deposit corresponding to the consumer's money consumer loan information for the money consumer loan relay service according to the present invention. The financial system 155 and the predetermined interface means 150 is characterized in that the process is linked.

The financial system 155 associated with the information registration server 100 is an account system for processing (or requested) credit service and / or receiving service, etc. arising in the money balance relay service process according to the present invention, and the present invention. Information support services (e.g., a request for withdrawal of the loan amount to the financial consumer's financial account, and / or confirmation of interest deposits from the financial consumer) And / or an information system for processing the repayment of the borrowed money from the money consumer, and the financial system 155 and the information registration server 100 shown in FIG. 1 through a predetermined interface means 150. And / or an external system that provides communication connection and information transmission and reception between a money consumption balance management server that provides the money consumption balance relay service, and the money consumption stock and / or gold. By comprising a account for managing account including at least one or more financial accounts, and / or customer deposit account and / or customer accounts, loans, etc. corresponding to the consumption Borrower it characterized in that formed.

According to the method of the present invention, the financial system 155 is composed of at least one server (or device), and / or in the form of a program recorded on a recording medium provided in the at least one server (or device). It is possible to implement and / or comprise storage provided in at least one or more servers (or devices), whereby the invention is not limited.

According to an exemplary embodiment of the present invention, the financial system 155 may be provided on a cash balance relay system providing a cash balance relay service according to the present invention (for example, a cash balance relay according to the present invention). A cash-consumption lending service provider providing a service is granted a financial company status to perform lending / receiving business pursuant to related laws, or provides a money-consuming lending relay service according to the present invention at a financial institution performing lending-receiving business. In this case, the financial system 155 may be processed in connection with at least one financial institution (eg, a commercial bank, a savings bank, a securities company, etc.) performing a lending service through a predetermined financial common network.

When the financial system 155 is provided on the money balance relay system providing the money balance relay service according to the present invention, the interface means 150 is on the financial system 155 and the money balance relay system. Preferably it comprises a communication means for connecting at least one server (or device) provided in.

According to another exemplary embodiment of the present invention, the financial system 155 may be provided in at least one financial institution affiliated with a cash balance relay system for providing a cash balance relay service according to the present invention (eg, The money lending relay service provider providing the money lending relay service according to the present invention may not perform lending services under the related law, or provide lending services related to the lending loans through a financial institution. In this case, the financial system 155 corresponds to a financial computer system provided in a predetermined financial institution affiliated with the cash balance relay system.

When the financial system 155 is provided in at least one financial institution affiliated with a cash balance relay system for providing a cash balance relay service according to the present invention, the interface means 150 is connected to the financial system 155. And a dedicated communication network connecting at least one or more servers (or devices) provided on the cash balance relay system.

According to another exemplary embodiment of the present invention, a part of the financial system 155 may be provided on a money consumption balance relay system providing a money balance relay service according to the present invention (money consumption according to the present invention). If the money lending service provider that provides the loan relay service can directly carry out lending / receiving business in accordance with the related laws, but in accordance with the intention of the person skilled in the art, the lease and use of a part of the financial computer system provided in the conventional financial institution, Alternatively, if the money lending relay service provider cannot directly perform the receiving and receiving business in accordance with the related law, but other than the receiving and receiving business is possible), in this case, a part of the financial system 155 (eg, the external system) And an information system and an accounting unit) are provided on the money balance relay system, and the remaining portion (e.g., account system) It may be provided in a financial institution affiliated with a consumer loan relay system, whereby the present invention is not limited.

According to an embodiment of the present invention, when the financial system 155 is provided on the money lending relay system, the money consuming financial account and the customer deposit account corresponding to the money consuming customer are one integrated account. And / or operate as a separate account respectively opened in response to the money consumer, and / or the money consumer financial account is opened in the financial system 155 on the money balance relay system. It is an account, and the customer deposit account can all correspond to an account opened in a predetermined financial institution in the name of the customer, the consumer of the money, the present invention is not limited thereby.

In addition, when the financial system 155 is provided on the money lending relay system, the money consumer borrower financial account and the customer loan account corresponding to the money consumer borrower customer is operated as one integrated account, and / Or a separate account opened in correspondence with the cash consumer, or the borrower's financial account is an account opened in the financial system 155 on the cash balance relay system, and the customer loan account is a predetermined account. It is possible to all correspond to the account opened in the name of the consumer of the financial consumer in the financial institution of the present invention, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the financial system 155 is provided at a financial institution linked with the money consumption relay system, the money consumption loan financial account is opened at the financial institution. It may be a virtual account corresponding to the customer's consumer account in the connection with the mother account of the service provider, and / or a real account opened in the financial institution's customer name in the financial institution. The present invention is not limited by this.

In addition, when the financial system 155 is provided in a financial institution linked with the money balance relay system, the customer deposit account is opened in the financial institution linked with the money balance relay system in the name of the customer of the money consumer. It is possible to correspond to the opened account, or to an account opened in the name of the consumer of the money consumer in a financial institution other than the financial system 155 associated with the money lending relay system, whereby the present invention It is not limited.

In addition, when the financial system 155 is provided in a financial institution linked with the money lending relay system, the borrower's financial account is linked with the mother account of the money lending relay service provider opened in the financial institution. It may be a virtual account that is processed to correspond to the consumer accounting customer, and / or to a real account opened in the financial institution under the name of the consumer customer, and thus the present invention is not limited thereto. .

In addition, when the financial system 155 is provided in a financial institution linked to the cash consumption relay system, the customer loan account is opened in the financial institution linked to the cash consumption relay system in the name of the customer of the borrower. It is possible to correspond to an account opened or an account opened in the name of the customer of the consumer of the money consumer in a financial institution other than the financial system 155 associated with the money lending relay system, whereby the present invention It is not limited.

Referring to FIG. 1, the information registration server 100 is a member of the member information D / when the predetermined money consumption client terminal 165 accesses the information registration server 100 through a predetermined network means 160. Amount to be loaned to at least one money consumer by using the customer authentication unit 110 to authenticate the money consumer, in conjunction with the B (145), and the money consumer customer terminal 165 at the time of authenticating the money consumer; An interface providing unit 105 for providing a money consumption condition condition input interface for inputting and providing money consumption condition information including at least one of money amount conditions, interest rate conditions, period conditions, and / or money consumption conditions; Receiving monetary consumer condition information and / or principal guarantee request information inputted through the monetary consumer condition input interface from the monetary consumer terminal 165. If the receiving unit 115, the information check unit 125 for confirming whether the principal guarantee request information is received from the money consumer customer terminal 165, and the principal guarantee request information is received as a result of the check, the money Principle of the principal guarantee processing unit for processing the amount of money, interest rate conditions, term conditions and / or borrowing conditions of the borrower in the consumer loan information to enable the principal guarantee, and generates principal guarantee information corresponding to the result of the principal guarantee processing ( 130) and when the principal guarantee information is generated by the principal guarantee processing unit 130, the money consumer information and the received money consumer condition information and the principal guarantee information and / or the money consumer condition Information stored in the predetermined money consumption condition information D / B 140 by linking and processing customer deposit information on the money consumption money corresponding to the information. It is characterized by comprising a storage unit 120.

In addition, the information registration server 100 is linked to the financial system 155 on the basis of the customer deposit account information included in the customer deposit information included in the money consumption condition information to the customer deposit account of the money consumer. It is characterized in that it further comprises a deposit confirmation unit 135 for periodically checking whether the money consumption shareholders funds are deposited.

It is preferable that the consumer of the consumer of the money to register as a member of the consumer of the money consumer through the member registration means (not shown) provided on the payment balance relay system for the money consumption balance relay service according to the present invention, the member In the registration process, the member information D / B 145 stores the money consumer account information, the money consumer account information and / or the money consumer information (not shown).

When the consumer of the money consumer connects to the information registration server 100 through the predetermined consumer money consumer terminal 165, the customer authentication unit 110 is linked to the member of the consumer money consumer terminal 165, the member Based on the information stored in the information D / B (145) is characterized in that to perform the login (or monetary consumer membership authentication) procedure for the consumer.

According to the embodiment of the present invention, the customer authentication unit 110 in the process of performing the member authentication procedure for the consumer of the consumer, the money from the member information D / B (145) corresponding to the money consumer of the consumer It is preferable that the consumer loan information and the money consumer loan customer account information is extracted, and the money consumer loan customer account information is a money consumer loan financial account in which the money consumer loan funds are operated in accordance with the money balance relay service according to the present invention. Information, and / or customer deposit account information in which the money-consuming shareholder funds are deposited.

The interface providing unit 105 is a money condition, interest rate conditions, periods for the money consumer loan funds to lend to at least one money consumer borrower through the money consumer loan relay service according to the present invention to the money consumer loan customer terminal 165 It is characterized in that it provides a monetary consumer agreement terms input interface for inputting and providing monetary consumer condition information including at least one condition and / or monetary consumer loan condition.

According to an exemplary embodiment of the present invention, when the money consumption customer terminal 165 is a wired terminal connected through a TCP / IP-based wired network, the interface providing unit 105 may use a Hyper-Text Transfer Protocol (HTTP) protocol. Based on the money consumer condition information including at least one predetermined money condition, interest rate condition, term condition and / or money consumer condition for the money consumer loan funds; It is preferable to provide a cash consumer agreement terms input interface in the form of a Hyper-Text Markup Language (HTML) compatible document to be input to the cash consumer customer terminal 165 through the wired network.

According to another exemplary embodiment of the present invention, when the money consumption customer terminal 165 is a wireless terminal connected through a CDMA-based wireless network, the interface providing unit 105 may use a wireless application protocol (WAP) and / or a ME. Money consumption including at least one predetermined price condition, interest rate condition, term condition and / or money borrower condition for the money consumer loan funds in the money consumer loan client terminal 165 based on Mobile Explorer protocol It is preferable to provide a money consumption agreement terms and conditions input interface in the form of Wireless Markup Language (WML) and / or HTML-compatible document through which the loan condition information can be input to the money consumption loan customer terminal 165 through the wireless network. .

The information receiving unit 115 is a predetermined amount of money conditions, interest rate conditions, term conditions and / or money for the money consumer loan funds inputted from the money consumer customer terminal 165 through the money consumer agreement terms input interface Characterized in that the information receiving the consumer loan conditions including at least one consumer borrowing conditions.

The amount condition of the money consumer loan condition information corresponds to the money consumer loan funds corresponding to the total amount to be loaned to at least one money consumer by the money consumer loan relay service according to the present invention.

According to the method of the present invention, the amount of money conditional condition of the money consumption condition information further comprises a minimum amount of money condition and / or a maximum amount of money condition, if the minimum amount of money condition further includes, The amount condition corresponding to the sum of money consumer funds must be greater than the minimum amount condition, and if the amount condition further includes the maximum amount condition, the amount condition corresponding to the sum of money consumer money must be less than the maximum amount condition do. For example, when the minimum amount condition is 1,000,000 won, the amount corresponding to the cash consumer funds must be greater than 1,000,000 won, and when the maximum amount condition is 50,000,000 won, the amount corresponding to the money consumption shareholder funds must be less than 50,000,000 won do.

In addition, the monetary condition of the money consumption condition information further comprises a unit price condition, in this case, the amount corresponding to the monetary consumption capital must correspond to the unit price condition. For example, when the unit amount condition is 1,000,000 won, the amount corresponding to the cash consumption capital should be 1,000,000 units, the unit of 100,000 or less can be automatically cut.

The interest rate condition of the money consumer condition information corresponds to the interest rate for the loan amount when the money consumer loan funds are loaned to at least one money consumer through the money loan relay service according to the present invention.

According to the method of the present invention, it is preferable that the interest rate condition of the money consumption condition information provides a basis for calculating an expected return on the money consumption money.

The period condition of the money consumer condition information is a period during which the money consumer customer is provided with the money loan relay service according to the present invention, and / or the money consumer loan funds through the money loan loan service according to the present invention. And at least one of the periods lent to at least one borrower.

According to the implementation method of the present invention, during the period corresponding to the period condition of the money consumption condition information, the money consumer is not able to recover the money consumer money, or before the period condition In the case of recovering consumer loan funds, it is preferable to recover only the amount of money that is deposited in the customer deposit account without being loaned to the money consumer.

According to one embodiment of the present invention, if the term condition of the money consumer condition information includes a period during which the customer of the money consumer receives the money balance relay service according to the present invention, the term condition is the money consumer A date and time when the money consumption condition information is stored in the condition information D / B 140, and / or a date and time when the money consumption condition information is last updated in the money consumption condition information D / B 140; and And / or is applied based on at least one or more of the date and time when the consumer spending funds are deposited in the customer deposit account.

According to another embodiment of the present invention, if the term condition of the money consumer condition information includes a period of loaning the money consumer loan funds to at least one money consumer through the money consumer loan relay service according to the present invention. The term condition is a date and time for lending the money consumer loan funds to the first money consumer among the at least one money consumer borrower through the money consumer loan relay service according to the present invention, and / or at least one money loan for the money consumer loan funds. It is desirable to apply at least one or more criteria of the date and time of loan to the last monetary borrower.

The money consumer borrowing condition of the money consumer loan condition information includes money consumer borrowing information for designating at least one money consumer borrower (or money consumer borrower group) to which the money consumer borrows the money consumer loan funds.

According to an exemplary embodiment of the present invention, the condition of the borrower of the money consumer loan condition information may include credit information of the borrower (or the group of consumer loan borrowers) who can borrow the money consumer loan funds. The credit rating information may be based on external credit rating information provided from at least one credit rating agency based on the customer information of the consumer, and / or on the basis of the delinquency information on the customer. It is preferable to include at least one or more of the internal credit rating information calculated above.

According to another exemplary embodiment of the present invention, the term of the consumer of the money consumer loan condition information includes the sex, age, and place of residence of the consumer of the money consumer (or the group of consumer money borrowers) who may borrow the money consumer loan funds. Workplace (or occupation), salary of a financial consumer (or money consumer group) that may further include customer information of the financial consumer (or the consumer group), and / or may borrow the consumer money. (Or annual average expected return) and the four financial insurance holders, including whether or not they have insurance coverage and the amount of insurance payments.

The information checking unit 125 includes the money consumption condition information in the money consumption condition information when receiving the money consumption condition information from the money consumption customer terminal 165 through the information receiving unit 115. Characterized in that the principal guarantee request information for requesting the principal guarantee for the money consumer loan funds corresponding to the amount of money, characterized in that the check is received.

If the check result is that the principal guarantee request information has not been received from the money consumption customer terminal 165, the money consumption condition information received through the information receiving unit 115 is provided to the information storage unit 120 The information storage unit 120 processes the received money consumption condition information in association with the money consumption customer information and / or customer deposit information and stores the received money consumption condition information D / B 140 in the money consumption condition information D / B 140.

On the other hand, when the check result, when the principal guarantee request information is received from the money consumer group customer terminal 165, the money consumption condition information received through the information receiving unit 115 is provided to the principal guarantee processing unit 130 After performing the information processing process according to the present invention, it is provided to the information storage unit 120 is processed in conjunction with the money consumer information and / or customer deposit information to the money consumer conditions information D / B (140) Stored.

The principal guarantee processing unit 130 is the money consumption received through the information receiving unit 115, when the principal guarantee request information is received from the money consumption owner customer terminal 165 as a result of the confirmation of the information confirming unit 125 It is characterized in that the information processing such that the amount of money, interest rate conditions, term conditions and / or borrowing conditions of the borrower included in the loan condition information to ensure the principal.

The method of processing the information by the principal guarantee processing unit 130 to enable the principal guarantee of the money consumption condition information, by changing the interest rate conditions included in the money consumption condition information, the principal of the consumer of the money consumer Eliminating the risk of loss for, characterized in that to secure a loss charge to offset the loss of the principal when the principal loss of the consumer of the money consumer.

According to the implementation method of the present invention, the principal guarantee processing unit 130 calculates or extracts a risk ratio for guaranteeing the principal of the consumer money principal in consideration of the quarterly, monthly or yearly average unpaid rate for the consumer of the consumer; It is preferable to calculate or extract a risk (T) for guaranteeing the principal of the consumer, in consideration of the credit rating of the customer group (or customer) of the consumer of the consumer, and / or.

In order to guarantee the principal for the principal of the consumer spending principal, the principal guarantee processing unit 130 from the member information D / B 145 (or a corresponding database, if a separate database is provided) from the cash consumption loan relay service according to the present invention. A group of monetary borrowers corresponding to the interest rate conditions and monetary borrower conditions included in the monetary loan condition information among the monetary borrower customers (eg, credit information of the monetary borrower conditions, and / or customer information and / or Extracts the money-consuming borrower group having the details of borrowing a predetermined borrowing amount at an interest rate condition such as the interest rate condition included in the money-consuming loan condition information among the matched consumer information; For a certain period of time, for example, within the last three years, among the group of consumer borrowers, After the borrowed amount borrowed, the more extract payments (for example, amount borrowed and interest) is one transitional period to repay money spent borrower group for the amount borrowed.

Thereafter, the principal guarantee processing unit 130 extracts and / or references the money consumption history information and / or the delinquency information for the extracted money consumer group, the money consumer group according to the present invention. After borrowing the borrowed amount through a relay service, the repayment amount (A) to be repaid within the period for repaying the repayment amount (e.g., the principal amount and interest of the borrowed amount) for the borrowed amount; (a) is extracted, and an unpaid rate (r = a / A) for the group of borrowers of money is calculated based on the redemption amount (A) and the unpaid amount (a).

According to the method of the present invention, the unpaid rate is when the consumer of the money consumer lends the money consumer loan funds to the at least one consumer money borrower customer belonging to the group of the consumer money borrower on the basis of the information on the condition of the loan consumer; In other words, it is preferable to correspond to the unpaid rate for the money-consuming stock funds.

In addition, the principal guarantee processing unit 130 is based on the money consumer principal (P) corresponding to the amount of money included in the money consumer condition information and the interest rate (i) corresponding to the interest rate conditions based on the money consumer principal If the corresponding interest income (c = i * P) is calculated and the principal loans to all of the at least one money sovia are lent, then the repayments that the consumer of the money must repay in response to the principal (B = P +) c)), calculating the unpaid anticipated amount (p = r (P + c) = r * B) corresponding to the principal of the money-consuming stock, and calculating the estimated loss amount (t = pc)

If the calculated information condition is " (Bp) > = P ", no loss is expected to occur in the principal of the money consumer principal, whereas if the calculated information condition is " (Bp) < P " Losses on principals of money-consuming stocks are expected to occur.

In other words, if the expected loss (t) is negative, no loss to the principal is expected to occur, whereas if the expected loss (t) is positive, the loss to the principal Loss is expected to occur.

Accordingly, the loss-based interest rate (s = p (P + c)) for the group of money-consuming borrowers based on the unpaid anticipated amount (p) for the repayment amount (P + c) corresponding to the principal of the money-consuming shareholders. do. That is, when the interest rate condition (i) for the money consumer principal is greater than the loss-based interest rate, it is expected that no principal loss occurs even if the money consumer principal is lent to the money consumer group.

In this case, the principal guarantee processing unit 130 calculates an interest rate difference (x = (si)) between the loss-based interest rate (s) and the interest rate condition (i) included in the money consumption condition information. If the interest rate difference (x) is (-), the interest rate condition does not have to be changed for the principal guarantee according to the present invention, and if the interest rate difference (x) is (+), the principal guarantee according to the present invention is Interest rate conditions must change. Hereinafter, the interest rate difference x is referred to as an interest correction rate x for convenience.

However, the unpaid anticipated amount (p) and / or the lost anticipated amount (t) and / or the loss offset interest rate (s) calculated therefrom are calculated as the expected value. Principal losses on principal will not occur within the range of these estimates.

Therefore, the principal guarantee processing unit 130 is expected to occur or will not occur a principal loss for the principal of the consumer spending principal, the interest correction rate (x) is always greater than or equal to '0' value To be considered. That is, if the calculated interest correction rate (x) is greater than '0', the interest correction rate (x) is used as it is, but if the calculated interest correction rate (x) is less than '0', the interest The correction rate x is regarded as '0'.

According to the method of the present invention, when the consumer of the money consumer requests the payment of the principal of the principal of the consumer, the interest correction rate (x) is calculated so as to secure a loss burden on the principal of the consumer of the consumer. It is possible to define the forced correction rate (y) for the interest rate condition, so that the present invention is not limited.

When the forced correction rate y is defined as described above, even if the interest correction rate x is '0', the interest rate condition is changed by the forced correction rate y, and the interest correction rate ( When x) is greater than '0', the interest rate condition may vary by the sum of the interest correction rate x and the forced correction rate y.

Therefore, the principal guarantee processing unit 130 calculates a predetermined principal guarantee interest rate condition (I) based on the calculated interest correction rate (x) for the principal guarantee on the principal of the consumer spending money, and / or the When the forced correction rate y is defined, a predetermined principal guarantee interest rate condition I is calculated based on the interest correction rate x and the forced correction rate y, and the interest correction rate x ) And / or the compulsory correction rate (y) corresponds to the risk ratio (T) according to the money consumer principal guarantee.

That is, when the forced correction rate (y) is defined, the risk ratio (T) according to the principals of the money consumption principal is defined as the sum of the interest correction rate (x) and the forced correction rate (y), and the forced correction rate If (y) is not defined, the risk (T) from the principals of the money-consuming stockholders is defined as the interest correction rate (x).

According to one embodiment of the present invention, the principal guarantee processing unit 130 is the risk ratio (T) (for example, interest correction rate (x) and / or forced) in the interest rate condition (i) included in the money consumption condition information; After calculating a predetermined principal guarantee interest rate condition (I = ix, or I = i- (x + y)) by subtracting the correction rate (y), the calculated principal guarantee interest rate condition (I) is used as the money consumption. A loan consumer's principal loan to the at least one money consumer borrower is defined as the interest protection interest rate of the money consumer's principal, and the at least one money consumer borrower's principal borrower's principal is borrowed from the consumer; The interest rate condition included in the condition information is defined as the repayment interest rate of the money-consuming borrower so as to borrow a predetermined borrowing amount (for example, to pay the interest corresponding to the borrowing amount and the interest rate condition). The interest income corresponding to the difference between the condition (i) and the principal guarantee interest rate condition (I) is secured as a loss burden on the principal of the consumer, and the loss occurs when the principal of the consumer consumes the principal. It is characterized by offsetting the loss of the principal consumer principal in the contribution.

For example, if the monetary principal principal (P) is 10,000,000 won and the interest rate condition (i) is 10% (= 0.1), the interest income (c) for the monetary principal principal (P) is 1,000,000 won, When loaning money consumer principals (P) to at least one money consumer, the repayments B to be repaid are 11,000,000.

At this time, if the expected amount of unpaid p (p) corresponding to the principal of the consumer spending principal is 1,200,000 won, the loss offset interest rate (s) is 12% (= 0.12), and the interest correction rate (x) is 2% (= 0.02) days. will be. At this time, if the forced correction rate (y) is 2% (= 0.02), based on the interest rate condition (i), the interest correction rate (x) and the forced correction rate (y) by the principal guarantee processing unit 130 The guaranteed principal interest rate condition (I = i- (x + y)) calculated as will be 6% (= 0.06), which corresponds to the interest rate difference (Ii) between the interest rate condition (i) and the principal guaranteed interest rate condition (I). Interest income is treated as a loss charge on the principal of the consumer.

According to another embodiment of the present invention, the principal guarantee processing unit 130 is the risk ratio (T) (for example, interest correction rate (x) and / in the interest rate condition (i) included in the money consumption condition information); Or after calculating a predetermined principal guarantee interest rate condition (I = ix, or I = i− (x + y)) by subtracting the forced correction rate (y), and then the interest rate condition (i) and principal guarantee interest rate condition ( I) add a portion of the interest rate difference (Ii) between the principals of the principal of interest guarantees and define the principal of interest rates of the principals of the consumer of money in which the consumer of the consumer of the consumer loans the principal of at least one consumer of money; The interest rate condition (i) and the won are defined by adding at least one portion of the interest rate difference (Ii) to the interest rate condition and defining at least one monetary borrower's repayment interest rate on which the borrower's principal is borrowed. Gold bulletin The interest income corresponding to the difference in the interest rate condition (I) is secured as a loss burden on the principal of the consumer, and when the loss occurs in the principal of the consumer, the principal of the consumer spending in the loss It is characterized by offsetting the loss.

Here, if the ratio of the money-consuming shareholders among the risk ratio (T) is referred to as the risk ratio (L, Lender), and the ratio of the money-consuming borrower is referred to as the risk ratio (B, Brower), the risk ratio (T) is Defined as Risk (T = L + B).

For example, if the monetary principal principal (P) is 10,000,000 won and the interest rate condition (i) is 10% (= 0.1), the interest income (c) for the monetary principal principal (P) is 1,000,000 won, When loaning money consumer principals (P) to at least one money consumer, the repayments B to be repaid are 11,000,000.

At this time, if the expected amount of unpaid p (p) corresponding to the principal of the consumer spending principal is 1,200,000 won, the loss offset interest rate (s) is 12% (= 0.12), and the interest correction rate (x) is 2% (= 0.02) days. will be. At this time, if the forced correction rate (y) is 2% (= 0.02), based on the interest rate condition (i), the interest correction rate (x) and the forced correction rate (y) by the principal guarantee processing unit 130 The principal guarantee interest rate condition (I = i- (x + y)) calculated as will be 6% (= 0.06), and the interest rate difference (Ii) between the interest rate condition (i) and the principal guarantee rate condition (I) is 4 Will be% (= 0.04).

If half of the interest rate difference (I) between the interest rate condition (i) and the principal guarantee interest rate condition (I) is added to the principal guarantee interest rate condition, the other half is repaid to the cash consumer borrowing the principal of the money consumer. In addition to the interest rate, the money consumer's principal guarantee interest rate is 8% (= 6% + 2%, = 0.08), in which the consumer of the cash consumer lends the principal to at least one money consumer. The interest rate on the repayment of the borrower of the principal borrowing the principal is 12% (= 10% + 2%, = 0.12), and the interest rate difference (I) between the interest rate condition (i) and the principal interest rate condition (I) Interest proceeds will be treated as a loss charge on the principal.

According to another embodiment of the present invention, the principal guarantee processing unit 130 is the risk rate (T) (for example, interest correction rate (x) and / in the interest rate condition (i) included in the money consumption condition information); Or after calculating a predetermined principal guarantee interest rate condition (I = ix, or I = i- (x + y)) by subtracting the compulsory correction rate (y), the interest rate condition (i) is determined by the customer. The money consumer principal is defined as the interest protection interest rate of the money consumer, which lends to at least one money consumer borrower, and the interest rate difference (I) between the interest rate condition (i) and the principal guarantee interest rate condition (I) is recalled. In addition to the interest rate condition, at least one financial consumer borrower defines the redemption interest rate at which the money consumer principal borrows the principal, so that interest income equal to the difference between the interest rate condition (i) and the principal guarantee interest rate condition (I) Remind It is characterized in that it is secured as a loss burden on the principal of the consumer spending money, and if a loss occurs in the principal of the consumer spending, it is characterized by offsetting the loss of the principal of the consumer spending on the loss.

For example, if the monetary principal principal (P) is 10,000,000 won and the interest rate condition (i) is 10% (= 0.1), the interest income (c) for the monetary principal principal (P) is 1,000,000 won, When loaning money consumer principals (P) to at least one money consumer, the repayments B to be repaid are 11,000,000.

At this time, if the expected amount of unpaid p (p) corresponding to the principal of the consumer spending principal is 1,200,000 won, the loss offset interest rate (s) is 12% (= 0.12), and the interest correction rate (x) is 2% (= 0.02) days. will be. At this time, if the forced correction rate (y) is 2% (= 0.02), based on the interest rate condition (i), the interest correction rate (x) and the forced correction rate (y) by the principal guarantee processing unit 130 The principal guarantee interest rate condition (I = i- (x + y)) calculated as will be 6% (= 0.06), and the interest rate difference (Ii) between the interest rate condition (i) and the principal guarantee rate condition (I) is 4 It will be% (= 0.04).

In this case, the principal guarantee processing unit 130 uses the interest rate condition (i) as the principal consumer interest rate of the money consumer, and the interest rate difference (Ii) to the repayment interest rate of the money consumer borrowing the money consumer principal In addition, the interest protection interest rate of the money consumer, in which the consumer of the money consumer lends the money consumer principal to at least one money consumer, is 10% (= 0.1), and the money borrowing the money consumer principal. The interest rate paid by the borrower is 14% (= 10% + 4%, = 0.14), and the interest income corresponding to the interest rate difference (Ii) between the interest rate condition (i) and the principal guarantee interest rate condition (I) It is treated as a loss charge on principal stock.

After the loss payment processing is performed on the principals of the money consumer, as described above, the principal guarantee processing unit 130 generates predetermined principal guarantee information corresponding to each implementation method and provides the principal information to the information storage unit 120.

The information storage unit 120 when the money consumption request condition information received through the information receiving unit 115 does not include the principal guarantee request information, through the money consumption condition information and the customer authentication unit 110 The cash consumer information and / or predetermined customer deposit information extracted from the member information D / B 145 may be processed in a cooperative manner and stored in the money consumption condition information D / B 140.

In addition, the information storage unit 120 when the money consumption condition information received through the information receiving unit 115 includes the principal guarantee request information, the money consumption condition information and the principal guarantee processing unit 130 The predetermined amount of money security information generated through the customer authentication unit 110 through the customer information D / B 145 extracted from the member information D / B (145) and the customer information and / or the predetermined customer deposit information by the link processing processing the money consumption Characterized in the collateral condition information D / B (140).

According to the method of the present invention, the customer deposit information is the deposit amount information, the customer deposit account information to be deposited the money consumer loan funds and / or the amount corresponding to the money consumer loan funds to the customer deposit account is deposited. It is preferable to include a deposit confirmation information and the like for confirming that.

If the customer deposit information is linked with the money consumption condition information received through the information receiving unit 115 and the money consumption owner customer information extracted from the member information D / B (145) through the customer authentication unit 110 When the processing is initially stored in the cash consumer condition information D / B (140), the deposit confirmation information of the customer deposit information includes information corresponding to that the money consumer funds are not deposited in the customer deposit account. Preferably, the deposit confirmation unit 135 confirms that the money consumption loan fund is deposited in the customer deposit account, and the deposit confirmation information of the customer deposit information is stored in the customer deposit account. It is desirable to be changed (or updated) with information that the loan funds are deposited.

The deposit confirmation unit 135 is based on the customer deposit account information included in the customer deposit information when the deposit confirmation information of the customer deposit information corresponds to that the money consumption loan funds are not deposited in the customer deposit account; By interlocking with the financial system 155, it is characterized in that it periodically checks whether the money consumption stock funds included in the money consumption conditions conditions information is deposited into the customer account of the money consumer.

When the check result confirms that the money consumer loan funds included in the money consumer condition information is deposited in the customer deposit account of the money consumer, the deposit confirmation unit 135 checks the deposit confirmation information of the customer deposit information. The customer deposit account is characterized in that the change (or renewal) to the information corresponding to the money consumption loan funds are deposited.

According to an embodiment of the present invention, when the financial system 155 is provided on the money balance relay system, the result of the check indicates that the money consumption included in the money consumption condition information to the customer deposit account of the money consumption account. When it is confirmed that the loan funds are deposited, the deposit checking unit 135 may set a lock on the customer deposit account so that the money consumption loan funds deposited in the customer deposit account are not withdrawn.

According to another exemplary embodiment of the present invention, when the financial system 155 is provided at a financial institution linked with the cash consumption relay system, the result of the confirmation indicates that the money consumption condition information is transferred to the customer deposit account of the money consumption major. When it is confirmed that the money consumer loan funds included in the deposit, the deposit confirmation unit 135 is connected to the financial system 155 so that the money consumer loan funds deposited in the customer deposit account is not withdrawn arbitrarily It is desirable to set a lock on the deposit account.

According to another exemplary embodiment of the present invention, when the financial system 155 is provided at a financial institution linked with the cash consumption relay system, the result of the confirmation indicates that the money consumption condition information is transferred to the customer deposit account of the money consumption major. When it is confirmed that the money consumer loan funds included in the deposit, the deposit confirmation unit 135 transfers the money consumer loan funds deposited in the customer deposit account to the money consumption loan relay service provided in the financial system 155. It is preferable to transfer to the mother account of the provider, and / or to the financial consumer account of the consumer of the money consumer corresponding to the virtual account linked to the mother account.

According to the present invention, the money consumer account information and the money consumer condition information and / or customer deposit information is stored and linked to the money consumption condition information D / B 140, the money to the customer deposit account; After the deposit amount corresponding to the money consumption stock funds of the consumer loan condition information is deposited, the money consumption loan corresponding to the money consumption loan condition information through a predetermined money consumption balance relay server provided in the money consumption balance relay system. Money lending relay service is provided to lend funds to at least one money consumer.

Figures 2a and 2b is a view showing the configuration of information stored in the member information D / B (145) for the money consumption relay service in accordance with the present invention.

More specifically, Figures 2a and 2b is information stored in the predetermined member information D / B (145) through the information registration server 100 shown in Figure 1 to provide a cash balance relay service according to the present invention As an implementation method for the configuration, specifically, FIG. 2A illustrates a preferred configuration of information on the money consumer information, and specifically FIG. 2B illustrates a configuration of preferred information on the consumer information. .

Those skilled in the art to which the present invention pertains may include information configurations omitted in each piece of information stored in the predetermined member information D / B 145 by referring to and / or modifying the drawings 2a and 2b, and It is possible to easily infer an information structure to be added to each information according to the intention of the person skilled in the art, but the present invention includes all the information structures inferred, and is limited only to the implementation method shown in FIGS. 2A and 2B. It never happens.

Referring to FIG. 2A, the money consumer information includes account information including an ID and a password for verifying and logging in the money consumer customers in the money consumption relay system, and the financial system 155. At least one or more monetary consumer management number for managing the monetary consumer, and the name, resident registration number, address, contact (eg, phone number, mobile number, etc.), e-mail address, etc. of the monetary consumer. Characterized in that it comprises a personal information of the consumer, the consumer information stored in the consumer information condition D / B 140, the consumer account information and / or money consumer management number And / or at least one of the money consumer personal information (eg, social security number, contact information, email address) Characterized in that where the lure.

The account information of the money consumer information customer identification and identification of the money consumer loan customer in a predetermined web server that is connected to the money consumer loan customer terminal 165 of at least one component constituting the money consumption balance relay system; This includes the ID and password to confirm and perform the login procedure.

The money consumption control number of the money consumer information is provided on the money balance relay system according to the method of the present invention, and / or in the financial system 155 linked with the money balance relay system. It includes a unique number to identify and manage customers. For example, the money consumption management number may be a Customer Information File (CIF) number assigned to the money consumption customer in the financial system 155.

Referring to FIG. 2B, the money consumer account information includes account information including an ID and a password for verifying and logging in to the money consumer account in the money consumer loan relay system, and the money consumer finance account. In the predetermined financial system 155, which is established, a financial consumer's management number for managing the consumer's borrower, and the name, resident registration number, address, contact information (for example, telephone number, mobile phone number, etc.) of the consumer's consumer; Money consumer including personal information including at least one or more e-mail address, characterized in that the customer information stored in the consumer information condition D / B. And / or the Consumer Account Control Number and / or the Consumer Accountant Personal Information (e.g. Social Security Number, Contact Information, Email Address) ) It characterized by consisting of the at least one or more.

The account information of the customer account information of the customer may identify the money consumer customer in a predetermined web server connected to the money consumer customer terminal 1070 of at least one component constituting the money consumer loan relay system. This includes the ID and password to confirm and perform the login procedure.

According to an embodiment of the present invention, the money consumer account information may further include (or associated processing) money consumer credit information for the money consumer, the money consumer credit information may be at least one or more. It is preferable that the credit rating agency periodically receive credit information about the customer who is the consumer of the money, and include the information on the customer who is the consumer of the consumer.

According to an embodiment of the present invention, when the consumer of the money consumer has borrowed at least one predetermined loan amount from at least one or more money consumer loan customers through the money loan relay service according to the present invention. In addition, it is preferable that the money-consuming borrower customer information further includes (or linked processing) delinquent information on the borrower's career, and if the money-consuming borrower customer borrows a predetermined loan through the money-consuming loan relay service according to the present invention. If the amount of money has not been borrowed from at least one or more consumer spending customers, the delinquent information may be omitted, thereby not limiting the present invention.

3 is a diagram illustrating the structure of the information on the consumption of consumer loan information stored in the information on the consumption of consumer loan condition D / B 140 for the balance of money consumption according to the present invention.

In more detail, Figure 3 shows the money consumption stored in the money consumption condition information D / B 140 through the information registration server 100 shown in Figure 1 to provide a money consumption balance relay service according to the present invention. As shown in the preferred configuration of information on the lender condition information, those of ordinary skill in the art to which the present invention belongs, refer to and / or modify the present drawing 3 the consumer loan condition information D / B (140) It is possible to easily infer the information structure omitted in the money consumption condition information stored in the information, and / or the information configuration to be added to each information according to the intention of those skilled in the art, but the present invention can be inferred all the information configuration It is not limited to the implementation method shown in FIG.

Referring to FIG. 3, the money consumption condition information stored in the money consumption condition condition information D / B 140 includes an amount of money condition for the money consumption loan funds that the customer uses at least one money consumption loan. And at least one of an interest rate condition, a term condition, and a monetary borrower condition, wherein the monetary borrower information includes creditworthiness information for the monetary borrower (or monetary consumer group) to lend the monetary borrower funds; And / or at least one or more customer information regarding the money consumer (or money consumer group) and / or job information for the money consumer (or money consumer group).

Credit information of the borrower (or the consumer group) may include external credit information provided from at least one credit rating agency based on the borrower's customer information, and / or delinquent information of the borrower's customer. It is preferable to include at least one or more of the internal credit rating information calculated on the money consumption balance relay system based on.

The customer information of the money consumer (or money consumer group) preferably comprises at least one gender, age, and residence of the money consumer (or money consumer group) who can borrow the money consumer money. The occupational information of the borrower (or the consumer group) may include information about the work (or occupation), the annual salary (or the annual average expected revenue) of the borrower who may borrow the funds. And it is preferably made to include at least one or more four insurance.

FIG. 4 is a diagram showing the configuration of money consumption condition information stored in the money consumption condition information D / B 140 for the money consumption balance relay service according to the present invention.

In more detail, Figure 4 is a customer deposit stored in the cash consumption condition information D / B (140) through the information registration server 100 shown in Figure 1 to provide a cash consumption balance relay service according to the present invention As shown in the preferred information structure for the information, those of ordinary skill in the art to which the present invention pertains, reference and / or modification of this figure 4 stored in the cash consumption condition information D / B (140) It is possible to easily infer the information configuration omitted in the customer deposit information, and / or the information configuration to be added to each information according to the intention of the skilled person, but the present invention includes all the information configurations inferred, It is by no means limited to the implementation method shown in FIG.

Referring to FIG. 4, the customer deposit information stored in the money consumption condition information D / B 140 includes the deposit amount information deposited by the money consumption customer to lend to at least one money consumer, and the money. Confirm that the customer deposit account information including at least one account number, a bank, and the account status corresponding to the customer deposit account for which the consumer loan money is deposited, and the amount corresponding to the money consumption loan money is deposited in the customer deposit account. Characterized in that it comprises a deposit confirmation information for

Preferably, the account number of the customer deposit account information includes a customer deposit account number in which the money consumption loan funds are deposited, and the bank of the customer deposit account information includes financial institution information in which the customer deposit account is opened. It is preferable to make it.

For example, when the financial system 155 in which the customer deposit account is opened is provided on the money balance relay system, the bank corresponds to the money balance relay service provider, and the customer deposit account is opened. When the financial system 155 is provided at a financial institution linked to the money consumption relay system, the bank corresponds to a financial institution equipped with the financial system 155.

For example, when the financial system 155 in which the customer deposit account is opened is provided on the money balance relay system, and a lock is set in the deposit amount deposited in the customer deposit account, the account status is "deposit." Lock ", wherein the financial system 155 in which the customer deposit account is opened is provided at a financial institution linked with the money lending relay system, and the deposit amount deposited in the customer deposit account is in the money lending relay system. When a transfer is made to a mother account (or a virtual account corresponding to the cash consumer) by being linked with the mother account, the account status corresponds to "parent account transfer".

In addition, the account status of the customer deposit account information preferably comprises a deposit state deposited in the customer deposit account, when the deposit amount is deposited in the customer deposit account, the deposit confirmation information is "deposited" If the deposit amount has not yet been deposited in the customer deposit account, the deposit confirmation information corresponds to "not deposited".

5A, 5B, and 5C are diagrams showing the principal guarantee information structure stored in the cash consumption condition information D / B 140 for the money consumption relay service according to the present invention.

In more detail, Figures 5a, 5b and 5c are shown in the information registration server 100 shown in Figure 1 in a predetermined money consumption customer terminal 165 to provide a money lending relay service according to the present invention. When the predetermined information on the consumption of consumer loan condition information and principal guarantee request information is received by the illustrated information registration server 100, the preferred information configuration for the principal guarantee information stored in the information on the consumption of consumer loan condition information D / B (140) As shown, specifically, Figure 5a applies the principal guarantee interest rate condition (I) to the money consumer interest loan rate of the money consumer loan loaned to the at least one money consumer borrower by the consumer of the money consumer, At least one borrower borrowing the principal of the consumer of the money-consuming client pays the interest rate condition included in the information on the condition of the consumer loan. Figure 5b shows an implementation method of applying at a repayment interest rate of Figure 5b is a portion of the interest rate difference (i) between the interest rate condition (i) and the principal guarantee interest rate condition (I) in addition to the principal guarantee interest rate conditions A loan consumer's principal lending to the at least one cash consumer's principal loaned to the at least one cash consumer's principal and defined as the interest-bearing interest rate, and the remaining portion of the interest rate difference (Ii) added to the interest rate condition for at least one money consumption; A method of applying a repayment interest rate by a borrower when borrowing the money consumer principal is shown in FIG. 5C, and the interest rate condition (i) is that the money consumer has at least one money consumer principal. It is defined as the principal guarantee interest rate of the money consumer of the money consumer borrowed to the above borrower, and the above interest rate condition ( i) and the interest rate difference (I) between the principal guarantee interest rate condition (I) in addition to the interest rate condition to apply at least one monetary borrower to the repayment interest rate of the monetary consumer who borrows the principal money principal. It is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 5a, 5b, and 5c to the principal guarantee information stored in the money consumption condition information D / B 140. Omitted information configurations, and / or information configurations to be added to each information according to the intention of those skilled in the art may be easily inferred, but the present invention includes all the information configurations inferred, and It is by no means limited to the implementation method shown in Fig. 5C.

5A, 5B, and 5C, the principal guarantee information includes the money consumer condition information including the money consumer principal and the interest rate condition (i) corresponding to the amount of money included in the money consumer condition information; The interest security ratio (x) calculated by the principal guarantee processing unit 130 on the basis of the money consumption condition information and the predetermined forced correction rate (y) defined in the principal guarantee processing unit 130 and the principal guarantee processing unit Interest rate adjustment information including principal guarantee interest rate condition (I) calculated at 130 based on the interest rate condition (i) and the interest correction rate (x) and / or forced correction rate (y); Money consumer interest rate at which the lender's customer lends the money consumer principal's principal to at least one money consumer's principal and at least one money consumer's borrower's money to borrow the money consumer principal's principal. At least one loss interest rate to secure the debtor's repayment interest rate and the loss liability for the principal of the consumer's principal, and the loss liability interest rate is the interest rate of the consumer's repayment of interest and the principal guarantee interest of the consumer; Corresponds to the difference in interest rates.

Referring to FIG. 5A, the principal guarantee information may be based on the principal interest interest rate of the money consumer, in which the consumer of the money consumer lends the principal of the consumer money to at least one money consumer. And at least one money consumer borrowing the principal of the consumer of the consumer, to define the interest rate condition included in the information of the consumer loan condition as the interest rate of repayment of the consumer, to borrow a predetermined borrowing amount ( For example, to pay the interest corresponding to the borrowing amount and the interest rate conditions).

For example, if the monetary principal principal (P) is 10,000,000 won and the interest rate condition (i) is 10% (= 0.1), the interest income (c) for the monetary principal principal (P) is 1,000,000 won, When loaning money consumer principals (P) to at least one money consumer, the repayments B to be repaid are 11,000,000.

At this time, if the expected amount of unpaid p (p) corresponding to the principal of the consumer spending principal is 1,200,000 won, the loss offset interest rate (s) is 12% (= 0.12), and the interest correction rate (x) is 2% (= 0.02) days. will be. At this time, if the forced correction rate (y) is 2% (= 0.02), based on the interest rate condition (i), the interest correction rate (x) and the forced correction rate (y) by the principal guarantee processing unit 130 The guaranteed principal interest rate condition (I = i- (x + y)) calculated as will be 6% (= 0.06), which corresponds to the interest rate difference (Ii) between the interest rate condition (i) and the principal guaranteed interest rate condition (I). Interest income is treated as a loss charge on the principal of the consumer.

Referring to FIG. 5B, the principal guarantee information may include a portion of an interest rate difference (I) between the interest rate condition (i) and the principal guarantee interest rate condition (I) by adding the portion of the interest rate interest rate condition to the principal guarantee interest rate condition. A principal consumer interest rate is defined as a principal consumer interest rate that lends a principal of a consumer loan to at least one financial consumer, and at least one financial consumer borrows the money by adding the remaining portion of the interest rate difference (Ii) to the interest rate condition. It is characterized in that it is applied to the repayment interest rate of money consumer borrowers borrowing the principal.

For example, if the monetary principal principal (P) is 10,000,000 won and the interest rate condition (i) is 10% (= 0.1), the interest income (c) for the monetary principal principal (P) is 1,000,000 won, When loaning money consumer principals (P) to at least one money consumer, the repayments B to be repaid are 11,000,000.

At this time, if the expected amount of unpaid p (p) corresponding to the principal of the consumer spending principal is 1,200,000 won, the loss offset interest rate (s) is 12% (= 0.12), and the interest correction rate (x) is 2% (= 0.02) days. will be. At this time, if the forced correction rate (y) is 2% (= 0.02), based on the interest rate condition (i), the interest correction rate (x) and the forced correction rate (y) by the principal guarantee processing unit 130 The principal guarantee interest rate condition (I = i- (x + y)) calculated as will be 6% (= 0.06), and the interest rate difference (Ii) between the interest rate condition (i) and the principal guarantee rate condition (I) is 4 Will be% (= 0.04).

If half of the interest rate difference (I) between the interest rate condition (i) and the principal guarantee interest rate condition (I) is added to the principal guarantee interest rate condition, the other half is repaid to the cash consumer borrowing the principal of the money consumer. In addition to the interest rate, the money consumer's principal guarantee interest rate is 8% (= 6% + 2%, = 0.08), in which the consumer of the cash consumer lends the principal to at least one money consumer. The repayment interest rate of the borrower's money-consuming borrower is 12% (= 10% + 2%, = 0.12), which corresponds to the interest rate difference (I) between the interest rate condition (i) and the principal interest rate condition (I). Interest proceeds will be treated as a loss charge on the principal.

Referring to FIG. 5C, the interest rate condition (i) is defined as the interest rate guaranteed interest rate of the money consumer, which the loan consumer customer lends the money consumer principal to at least one money consumer. i) and the interest rate difference (I) between the principal guarantee interest rate condition (I) in addition to the interest rate condition and apply at least one monetary borrower to the repayment interest rate of the money consumer borrowing the principal money principal. do.

For example, if the monetary principal principal (P) is 10,000,000 won and the interest rate condition (i) is 10% (= 0.1), the interest income (c) for the monetary principal principal (P) is 1,000,000 won, When loaning money consumer principals (P) to at least one money consumer, the repayments B to be repaid are 11,000,000.

At this time, if the expected amount of unpaid p (p) corresponding to the principal of the consumer spending principal is 1,200,000 won, the loss offset interest rate (s) is 12% (= 0.12), and the interest correction rate (x) is 2% (= 0.02) days. will be. At this time, if the forced correction rate (y) is 2% (= 0.02), based on the interest rate condition (i), the interest correction rate (x) and the forced correction rate (y) by the principal guarantee processing unit 130 The principal guarantee interest rate condition (I = i- (x + y)) calculated as will be 6% (= 0.06), and the interest rate difference (Ii) between the interest rate condition (i) and the principal guarantee rate condition (I) is 4 It will be% (= 0.04).

In this case, the principal guarantee processing unit 130 uses the interest rate condition (i) as the principal consumer interest rate of the money consumer, and the interest rate difference (Ii) to the repayment interest rate of the money consumer borrowing the money consumer principal In addition, the interest protection interest rate of the money consumer, in which the consumer of the money consumer lends the money consumer principal to at least one money consumer, is 10% (= 0.1), and the money borrowing the money consumer principal. The interest rate paid by the borrower is 14% (= 10% + 4%, = 0.14), and the interest income corresponding to the interest rate difference (Ii) between the interest rate condition (i) and the principal guarantee interest rate condition (I) It is treated as a loss charge on principal stock.

FIG. 6 is a diagram illustrating an information registration process for a cash consumption relay service according to the present invention.

In more detail, FIG. 6 is a money condition, interest rate condition, term condition, and / or from the money consumer customer terminal 165 through the money consumer information registration system shown in FIG. As an embodiment of the present invention, a method for registering an information for receiving money consumer loan condition information including at least one money consumer loan condition and storing it in predetermined money consumer loan condition information D / B 140 is provided. Those skilled in the art may refer to and / or modify the drawing 6 to provide a cash balance relay service according to the present invention from at least one cash consumer customer terminal 165 according to each implementation method. Although it may be possible to infer an implementation method for various information registration processes for receiving and storing monetary condition information. Includes all embodiments and methods, it shall not be limited to the exemplary method shown in the figure 6.

6, the information registration server 100 is referred to as a "server" for convenience, and the money-consuming client terminal 165 is referred to as a "customer terminal" for convenience.

Referring to FIG. 6, when a predetermined consumer of money consumer connects to the server through a network corresponding to a predetermined customer terminal and logs in as a consumer of money consumer (600), the server records the money consumer login information (eg In accordance with the money consumer's customer authentication procedure based on the money consumer's ID and password) (605), if the money consumer's customer authentication is confirmed (610), the server is the member information D / B ( In step 615, the monetary consumer's customer information and the monetary consumer's customer account information are extracted.

Thereafter, the server receives money from the client terminal for inputting the money consumption condition including at least one or more of the money condition and / or interest rate condition and / or period information and / or the money consumer information. In operation 620, a request for a consumption condition input interface is requested.

By requesting the cash consumption condition input interface to the server through the network at the customer terminal (630), when it is confirmed that the customer terminal requests the money consumption condition input interface from the server (625), the server In operation 640, the terminal provides the cash consumption condition input interface to the customer terminal through the network, and checks whether the predetermined money consumption condition information is received from the customer terminal through the network (640).

According to an embodiment of the present invention, the cash consumer condition input interface generates the principal guarantee request information for requesting the principal guarantee for the money consumer principal principal corresponding to the amount of money included in the money consumer condition information; It is preferable that the interface further comprises a.

The customer terminal provided with the cash consumer condition input interface inputs the predetermined money consumer condition information through the cash consumer condition input interface to the server (645), wherein the customer terminal transmits the money to the server. In the process of transmitting the consumer loan condition information, the principal guarantee request information for requesting the principal guarantee for the principal of the consumer money principal corresponding to the amount of money included in the consumer loan condition information may be further included.

If it is confirmed that predetermined money consumption condition information has been received from the customer terminal (650), the server checks whether the received money security request information is included in the received money consumption condition information (650). .

If the principal consumption request information does not include the predetermined principal guarantee request information (660), the server further performs the information registration process as shown in FIG.

On the other hand, if the cash consumption condition information includes the predetermined principal guarantee request information (660), the server further performs the information processing and information registration process for the principal guarantee as shown in FIG.

FIG. 7 is a diagram illustrating an information registration process for a cash consumption relay service according to the present invention.

In detail, FIG. 7 illustrates a method for registering an information regarding a case in which a predetermined principal guarantee request information is not received from the cash consumption customer terminal 165 after performing the information registration process as shown in FIG. 6. As shown in the drawings, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 7 to process and process information according to each implementation method for the money consumption relay service according to the present invention. Or it can be inferred the implementation method for the various information registration process for the information registration process, the present invention includes all the implementation method inferred above, and is not limited to the implementation method shown in FIG.

In FIG. 7, the information registration server 100 is referred to as a "server" for convenience, and the money consumption customer terminal 165 is referred to as a "customer terminal" for convenience.

Referring to FIG. 7, when predetermined principal guarantee request information is not received from the customer terminal in the information registration process shown in FIG. 6, the server receives money consumption condition information and member information D received from the customer terminal. Generate predetermined customer deposit information on the basis of the customer deposit account information included in the extracted customer account information from the / B (145) (700), the cash consumer condition information and the money consumer information and the customer The deposit information is cooperatively processed and stored in the money consumption condition information D / B 140 (705).

According to the method of the present invention, the deposit confirmation information included in the customer deposit information preferably corresponds to "not deposited" including the deposit amount not yet deposited in the customer deposit account.

As described above, after the money consumption condition information, the money consumption customer information and the customer deposit information are stored in the money consumption condition information D / B 140, the server corresponds to a financial system corresponding to the customer deposit account ( In operation 155, the client deposit account is confirmed whether the customer deposit is deposited (710). If the customer deposit is deposited to the customer deposit account (715), the server deposits the customer deposit to the customer deposit account. Generate customer deposit information (eg, customer deposit information corresponding to the "deposited" deposit confirmation information of the customer deposit information) including the deposit (720), the money consumer condition information and the money consumer information; And the customer deposit information linked process and stored in the cash consumption condition information D / B 140 (725), and then the cash consumption balance relay system It is preferable to provide a money consumption balance relay service that lends money consumption loan funds corresponding to the money consumption condition condition information to at least one money consumption borrower through a predetermined money consumption balance relay server provided in the system.

8 is a diagram illustrating an information processing process for guaranteeing the principal of the money lending relay service according to the present invention.

In more detail, FIG. 8 illustrates an information processing process for a case where a predetermined principal guarantee request information is received from the money consumption customer terminal 165 after performing the information registration process as shown in FIG. Persons of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 8, and the information processing process for the security of the principal according to each implementation method for the money balance relay service according to the present invention. Although an implementation method for various information processing processes may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

8, the information registration server 100 will be referred to as a " server " for convenience, and the money consumption customer terminal 165 will be referred to as a " customer terminal "

Referring to FIG. 7, when predetermined principal guarantee request information is received from the customer terminal in the information registration process illustrated in FIG. 6, the server corresponds to the amount of money consumption stock condition from the received money consumption condition information. Extracts the principal consumer information and interest rate condition and the financial consumer condition (800), and the interest rate condition and the financial consumer condition (e.g., credit rating information of the consumer) from the member information D / B 145; Extracting the at least one matched customer account information of the at least one financial consumer (805), and extracting the at least one money consumer group including at least one customer accountant for calculating the unpaid rate for the payment of the principal Extract (810).

According to an embodiment of the present invention, the server may include a group of money consumer groups corresponding to the interest rate condition and the money consumer condition included in the money consumer condition information (eg, credit information of the money consumer condition, and / or customer information). And / or a group of monetary borrowers who have borrowed a predetermined borrowing amount at an interest rate condition such as an interest rate condition included in the monetary loan condition information among the monetary borrower customers matched with the job information). After borrowing a predetermined borrowing amount through the money lending relay service according to the present invention for a predetermined period (for example, within the last three years) among the extracted money borrowing group, the repayment amount (for example, the borrowing amount) And extract the group of borrowers of money that have passed the repayment period.

Thereafter, the server calculates an unpaid rate (r) for the group of money-consuming borrowers based on the extracted redemption (A) and the unpaid money (a) for the extracted consumer group (815), and the unpaid rate ( r) calculates an unpaid anticipated amount (p) and a loss estimated amount (t) for the principal of the consumer spending (P) based on r) (820), and a predetermined loss-based interest rate based on the estimated loss amount (t); (s) is calculated and a predetermined interest correction rate x is calculated based on the loss-based interest rate s (830).

According to an embodiment of the present invention, the server extracts and / or references the money consumption balance history information and / or the delinquency information for the extracted money consumer group, thereby allowing the money consumer group to consume money according to the present invention. After borrowing the borrowed amount through a loan relay service, a repayment amount (A) to be repaid within the period for repaying the repayment amount (for example, the principal amount and interest of the borrowed amount) for the borrowed amount; The redemption amount (a) is extracted, and the redemption rate (r = a / A) for the group of borrowers of money is calculated based on the redemption amount (A) and the unpaid amount (a).

Here, the non-repayment rate is the money consumer loan funds when the money consumer loan lends the money consumer loan funds to at least one money consumer borrower customer belonging to the money consumer borrower group based on the information on the condition of the money consumer loans. It is preferable to correspond to the unpaid rate for.

In addition, the server may be based on the interest consumption (i) of the money consumer principal (P) corresponding to the amount of money included in the money consumer condition information and the interest income (i) corresponding to the money consumer principal ( c = i * P) and calculating the repayment amount (B = P + c) that the money-consuming borrowers should repay in response to the principal when the money-consuming stock principal is lent to at least one or more money-saving stocks. And calculates an unpaid anticipated amount (p = r (P + c) = r * B) corresponding to the principal of the cash consumer, and calculates an estimated loss amount (t = pc) based on the unpaid anticipated amount. .

If the calculated information condition is " (Bp) > = P ", no loss is expected to occur in the principal of the money consumer principal, whereas if the calculated information condition is " (Bp) < P " Losses on principals of money-consuming stocks are expected to occur.

In other words, if the expected loss (t) is negative, no loss to the principal is expected to occur, whereas if the expected loss (t) is positive, the loss to the principal Loss is expected to occur.

Accordingly, the loss-based interest rate (s = p (P + c)) for the group of money-consuming borrowers based on the unpaid anticipated amount (p) for the repayment amount (P + c) corresponding to the principal of the money-consuming shareholders. do. That is, when the interest rate condition (i) for the money consumer principal is greater than the loss-based interest rate, it is expected that no principal loss occurs even if the money consumer principal is lent to the money consumer group.

At this time, the server calculates an interest rate difference (x = (si)) between the loss-based interest rate (s) and the interest rate condition (i) included in the money consumption condition information, if the interest rate difference (x) If (-), the interest rate condition does not have to be changed for principal guarantee according to the present invention, and if the interest rate difference (x) is (+), the interest rate condition must be changed for principal guarantee according to the present invention. do. Hereinafter, the interest rate difference x is referred to as an interest correction rate x for convenience.

In addition, the server checks whether there is a predetermined forced correction rate y defined to secure a loss burden for guaranteeing the principal of the money-consuming stock regardless of the interest correction rate x (835).

If the forced correction rate y does not exist in the server (840), the server determines a predetermined principal guaranteed interest rate based on the interest rate condition included in the money consumption condition information and the calculated interest correction rate x. The condition is calculated (845).

On the other hand, if there is a forced correction rate y in the server (840), the server calculates the interest rate condition included in the money consumption condition information, the calculated interest correction rate x and the forced correction rate y. On the basis of this, a predetermined principal guarantee interest rate condition is calculated (845).

9A, 9B, and 9C are diagrams illustrating an information registration process for guaranteeing principal of a money consumption relay service according to the present invention.

In more detail, FIGS. 9A, 9B, and 9C generate predetermined principal security information after processing information for principal security as shown in FIG. 8, and provide the money consumer condition information, the principal security information, and financial consumer loan. An information registration process of linking and processing customer information and / or customer deposit information is stored in the money consumption condition information D / B 140. Specifically, FIG. 9a illustrates the principal guarantee interest rate condition I. At least one money consumer borrowing the money consumer's principal to the at least one money consumer borrower's principal guarantee interest rate borrowing the money consumer principal's principal to at least one money consumer's borrower; FIG. 9B illustrates a method of applying the interest rate condition included in the information on the condition of loan to the consumer as a repayment interest rate. A portion of the interest rate difference (I) between the interest rate condition (i) and the principal guarantee interest rate condition (I) is added to the principal guarantee interest rate condition so that the money consuming customer can add the money consumer principal to at least one money consumption borrower. Defined as the principal interest rate guaranteed by the principal of the consumer, and reimbursement of the consumer of the consumer by borrowing the principal of the cash consumer by adding at least one portion of the interest rate difference (Ii) to the interest rate condition; Figure 9c illustrates an implementation method applied to an interest rate, and the interest rate condition (i) is the interest rate guaranteed interest rate of the money consumer, in which the customer makes a loan to the at least one money consumer. The interest rate difference (Ii) between the interest rate condition (i) and the principal guarantee interest rate condition (I) is defined as it is and the interest rate In addition to the conditions, at least one monetary borrower shows an implementation method which applies to the interest rate of repayment of the monetary consumer borrowing the principal of the monetary consumer.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 9a, 9b, and 9c for the principal guarantee according to each method of the money balance relay service according to the present invention. Various implementation methods for the information registration process may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation methods shown in FIGS. 9A, 9B, and 9C.

9a, 9b, and 9c, the information registration server 100 is referred to as a " server " for convenience, and the money consumption customer terminal 165 is referred to as a " customer terminal "

Referring to FIG. 9A, the server calculates an interest rate difference between the interest rate condition of the money consumption condition information and the principal guarantee interest rate condition calculated from the information processing process of FIG. 8 (900a), and the interest rate calculated at the interest rate condition The interest rate minus the difference is treated as the principal guarantee interest rate of the cash consumer, after the interest rate condition of the cash consumer condition information is treated as the redemption interest rate of the cash consumer, (910a), The difference between the interest rate between the redeemable interest rate and the principal consumer interest rate of the consumer spending is treated as the loss interest interest rate to secure the loss contribution to the principal consumer principal (915a).

For example, if the monetary principal principal (P) is 10,000,000 won and the interest rate condition (i) is 10% (= 0.1), the interest income (c) for the monetary principal principal (P) is 1,000,000 won, When loaning money consumer principals (P) to at least one money consumer, the repayments B to be repaid are 11,000,000.

At this time, if the expected amount of unpaid p (p) corresponding to the principal of the consumer spending principal is 1,200,000 won, the loss offset interest rate (s) is 12% (= 0.12), and the interest correction rate (x) is 2% (= 0.02) days. will be. At this time, if the forced correction rate (y) is 2% (= 0.02), based on the interest rate condition (i), the interest correction rate (x) and the forced correction rate (y) by the principal guarantee processing unit 130 The guaranteed principal interest rate condition (I = i- (x + y)) calculated as will be 6% (= 0.06), which corresponds to the interest rate difference (Ii) between the interest rate condition (i) and the principal guaranteed interest rate condition (I). Interest income is treated as a loss charge on the principal of the consumer.

After the above information processing process is performed, the server, as shown in Figure 5a, the money consumer principal and interest rate conditions of the money consumption condition information, and the interest correction rate calculated (or extracted) through the information processing process In operation 920a, the principal guarantee information includes at least one of a forced correction rate, a principal guarantee interest rate condition, a principal consumer interest payment rate, a debt consumer interest payment rate, and a loss burden interest rate (920a).

When the principal security information is generated as described above, the server receives the predetermined customer deposit information based on the customer's deposit account information included in the customer's account information extracted from the loan consumer condition information and the member information D / B 145. Generate (925a), and process the consumption of the cash consumer condition information, the generated principal guarantee information, the cash consumer information and / or the generated customer deposit information in association with the cash consumer condition information D / B (140); (930a).

According to the method of the present invention, the deposit confirmation information included in the customer deposit information preferably corresponds to "not deposited" including the deposit amount not yet deposited in the customer deposit account.

As described above, after the money consumption condition information, the money consumption customer information and the customer deposit information are stored in the money consumption condition information D / B 140, the server corresponds to a financial system corresponding to the customer deposit account ( In operation 155, it is checked whether the customer deposit is deposited to the customer deposit account (935a). If the customer deposit is deposited to the customer deposit account (940a), the server deposits the customer deposit to the customer deposit account. Generate customer deposit information (e.g., customer deposit information corresponding to the "deposited" deposit confirmation information of the customer deposit information) including the deposit (945a), the money consumer condition information and the money consumer customer information; The customer deposit information is linked and processed in the cash consumption condition information D / B (140) (950a), and then during the money consumption balance relay A money balance relay service that lends to at least one money consumption borrower while providing principal guarantees for the money consumer loan funds corresponding to the information on the condition of the loan consumer through a predetermined money consumer loan relay server provided in the system may be provided. Can be.

Referring to FIG. 9b, the server calculates an interest rate difference between the interest rate condition of the money consumption condition information and the principal guarantee interest rate condition calculated from the information processing process of FIG. 8 (900b), and among the interest rate differences in the interest rate condition. A portion of the principal consumer's principal guarantee rate is calculated by adding a portion to the principal guarantee interest rate condition (905b), and the remaining portion of the interest rate difference is added to the interest rate condition of the monetary consumer condition information to repay the borrower; After calculating the interest rate (910b), the difference in the interest rate between the repayment interest rate of the consumer loan borrower and the principal guarantee interest rate of the consumer spender is treated as the loss burden interest rate for securing a loss burden on the principal of the consumer spending principal (915b). ).

For example, if the monetary principal principal (P) is 10,000,000 won and the interest rate condition (i) is 10% (= 0.1), the interest income (c) for the monetary principal principal (P) is 1,000,000 won, When loaning money consumer principals (P) to at least one money consumer, the repayments B to be repaid are 11,000,000.

At this time, if the expected amount of unpaid p (p) corresponding to the principal of the consumer spending principal is 1,200,000 won, the loss offset interest rate (s) is 12% (= 0.12), and the interest correction rate (x) is 2% (= 0.02) days. will be. In this case, if the forced correction rate y is 2% (= 0.02), the principal guarantee processing unit 130 approximates the interest rate condition i, the interest correction rate x and the forced correction rate y. The principal guaranteed interest rate condition (I = i- (x + y)) would be 6% (= 0.06), and the interest rate difference (I) between the interest rate condition (i) and the principal interest rate condition (I) is 4 Will be% (= 0.04).

If half of the interest rate difference (I) between the interest rate condition (i) and the principal guarantee interest rate condition (I) is added to the principal guarantee interest rate condition, the other half is repaid to the cash consumer borrowing the principal of the money consumer. In addition to the interest rate, the money consumer's principal guarantee interest rate is 8% (= 6% + 2%, = 0.08), in which the consumer of the cash consumer lends the principal to at least one money consumer. The interest rate on the repayment of the borrower of the principal borrowing the principal is 12% (= 10% + 2%, = 0.12), and the interest rate difference (I) between the interest rate condition (i) and the principal interest rate condition (I) Interest proceeds will be treated as a loss charge on the principal.

After the above information processing process is performed, the server, as shown in Figure 5b, the money consumer principal and interest rate conditions of the money consumer condition information, and the interest correction rate calculated (or extracted) through the information processing process In operation 920b, the principal guarantee information includes at least one of a forced correction rate, a principal guarantee interest rate condition, a principal consumer interest payment interest rate, a debt consumer interest payment rate, and a loss interest interest rate (920b).

When the principal security information is generated as described above, the server receives the predetermined customer deposit information based on the customer's deposit account information included in the customer's account information extracted from the loan consumer condition information and the member information D / B 145. Generating (925b), and processing the money consumption condition information D / B 140 by linking the money consumption condition information with the generated principal guarantee information and the money consumption customer information and / or the generated customer deposit information; (930b).

According to the method of the present invention, the deposit confirmation information included in the customer deposit information preferably corresponds to "not deposited" including the deposit amount not yet deposited in the customer deposit account.

As described above, after the money consumption condition information, the money consumption customer information and the customer deposit information are stored in the money consumption condition information D / B 140, the server corresponds to a financial system corresponding to the customer deposit account ( In operation 155, it is checked whether the customer deposit is deposited to the customer deposit account (935b). If the customer deposit is deposited to the customer deposit account (940b), the server deposits the customer deposit to the customer deposit account. Generate customer deposit information (e.g., customer deposit information corresponding to the "deposited" deposit confirmation information of the customer deposit information) including the deposit (945b), the money consumer condition information and the money consumer customer information; The customer deposit information is linked and processed in the money consumption condition information D / B (140) (950b), and when the money consumption balance relay A money balance relay service that lends to at least one money consumption borrower while providing principal guarantees for the money consumer loan funds corresponding to the information on the condition of the loan consumer through a predetermined money consumer loan relay server provided in the system may be provided. Can be.

Referring to FIG. 9c, the server calculates an interest rate difference between the interest rate condition of the money consumption condition information and the principal guarantee interest rate condition calculated from the information processing process of FIG. 8 (900c), and the interest rate of the money consumption condition information The condition is treated as the principal guarantee interest rate of the cash consumer, (905c), and the interest rate condition of the money consumer condition information is added to calculate the interest rate of repayment of the cash consumer (910c). The difference between the interest rate between the borrower's repayment interest rate and the cash consumer's principal-guaranteed interest rate is treated as a loss-bearing interest rate to secure a loss burden on the consumer principal's principal (915c).

For example, if the monetary principal principal (P) is 10,000,000 won and the interest rate condition (i) is 10% (= 0.1), the interest income (c) for the monetary principal principal (P) is 1,000,000 won, When loaning money consumer principals (P) to at least one money consumer, the repayments B to be repaid are 11,000,000.

At this time, if the expected amount of unpaid p (p) corresponding to the principal of the consumer spending principal is 1,200,000 won, the loss offset interest rate (s) is 12% (= 0.12), and the interest correction rate (x) is 2% (= 0.02) days. will be. At this time, if the forced correction rate (y) is 2% (= 0.02), based on the interest rate condition (i), the interest correction rate (x) and the forced correction rate (y) by the principal guarantee processing unit 130 The principal guaranteed interest rate condition (I = i- (x + y)) calculated as will be 6% (= 0.06), and the interest rate difference (I) between the interest rate condition (i) and the principal interest rate condition (I) is 4% (= 0.04).

In this case, the principal guarantee processing unit 130 uses the interest rate condition (i) as the principal consumer interest rate of the money consumer, and the interest rate difference (Ii) to the repayment interest rate of the money consumer borrowing the money consumer principal In addition, the interest protection interest rate of the money consumer, in which the consumer of the money consumer lends the money consumer principal to at least one money consumer, is 10% (= 0.1), and the money borrowing the money consumer principal. The interest rate paid by the borrower is 14% (= 10% + 4%, = 0.14), and the interest income corresponding to the interest rate difference (Ii) between the interest rate condition (i) and the principal guarantee interest rate condition (I) It is treated as a loss charge on principal stock.

After the above information processing process is performed, the server, as shown in Figure 5b, the money consumer principal and interest rate conditions of the money consumer condition information, and the interest correction rate calculated (or extracted) through the information processing process In operation 920c, the principal guarantee information includes at least one of a forced correction rate, a principal guarantee interest rate condition, a principal consumer interest payment interest rate, a debt consumer interest payment rate, and a loss interest interest rate (920c).

When the principal security information is generated as described above, the server receives the predetermined customer deposit information based on the customer's deposit account information included in the customer's account information extracted from the loan consumer condition information and the member information D / B 145. Generating (925c), and processing the consumer spending information D / B by linking the cash consumer information and the generated principal guarantee information with the customer information and / or the customer deposit information; 140, and (930c).

According to the method of the present invention, the deposit confirmation information included in the customer deposit information preferably corresponds to "not deposited" including the deposit amount not yet deposited in the customer deposit account.

As described above, after the money consumption condition information, the money consumption customer information and the customer deposit information are stored in the money consumption condition information D / B 140, the server corresponds to a financial system corresponding to the customer deposit account ( In operation 155, the client deposit account checks whether the customer deposit is deposited (935c). If the customer deposit is deposited to the customer deposit account (940c), the server deposits the customer deposit to the customer deposit account. Generate customer deposit information (e.g., customer deposit information corresponding to the "deposited" deposit confirmation information of the customer deposit information) including the deposit (945c), the money consumer condition information and the money consumer customer information; The customer deposit information is linked and processed in the cash consumption condition information D / B (140) (950c), then the money consumption balance relaying A money balance relay service that lends to at least one money consumption borrower while providing principal guarantees for the money consumer loan funds corresponding to the information on the condition of the loan consumer through a predetermined money consumer loan relay server provided in the system may be provided. Can be.

10 is a diagram showing the configuration of a cash consumption balance relay system according to an embodiment of the present invention.

In more detail, FIG. 10 includes at least one monetary condition, an interest rate condition, and / or a term condition for the borrower's borrowed amount of money through at least one money consumer loan terminal 1070. At the time of registration of the information on the borrower condition information, at least one cash consumer based on the money consumer condition information and / or principal guarantee information previously registered in the predetermined money consumer condition information D / B 140, the money consumer condition A method for implementing a cash consumption loan relay system that lends the money consumer loan funds corresponding to at least one money consumer loan registered in the information D / B 140 to a money consumer borrower customer who has provided the money consumer loan condition information. As shown in the drawings, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present drawing. Various money consumption loans that lend the money consumer loan funds corresponding to at least one money consumer stock registered in the money consumer loan condition information D / B 140 to the money consumer borrower customers who have provided the money consumer loan condition information. Although an implementation method for the relay system configuration may be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In FIG. 10, a means and / or a functional configuration for providing a money consumption balance relay service according to the present invention at the money balance relay service provider side will be described as "a money consumption balance relay server 1000" for convenience.

Referring to FIG. 10 in accordance with an embodiment of the present invention, a money lending relay system in accordance with the present invention includes a cash consumer customer terminal 1070 used by at least one or more money consumer, and the customer terminal and a predetermined network. A database for storing at least one information necessary for providing the cash balance relay server 1000 and the cash balance relay server 1000 connected through the means 160 and the cash balance relay server 1000 according to the present invention. In addition, the cash consumption balance relay server 1000 is a predetermined interface with a predetermined financial system 155 for the processing of funds required in the process of providing a cash balance relay service according to the present invention. It is characterized in that it is linked through means (150).

The consumer terminal 1070 is a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or At least one wired terminal including a desktop computer and / or a laptop connected to the cash balance relay server 1000 through a cable communication network, and / or based on a code division multiple access (CDMA). At least one mobile communication terminal connected to the mobile communication network, and / or a portable Internet terminal connected to the IEEE 802.16 based high speed wireless internet, and / or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. Characterized in that it comprises at least one or more wireless terminals, the consumer money consumer terminal 1070 is the A function for outputting at least one or more interface screens provided by the cash balance relay server 1000, and inputting and / or selecting at least one information through the interface screen to the cash balance relay server 1000. It is desirable to have a configuration (e.g., a browser program and a communication function).

Those skilled in the art to which the present invention pertains can easily infer the features of the at least one consumer terminal 1070 corresponding to the wired terminal and / or wireless terminal, so that the Detailed description is omitted for convenience.

The cash balance relay server 1000 comprises at least one means and / or a functional configuration for providing a cash balance relay service according to the present invention at a provider for a cash balance relay service according to the present invention. The means and / or functional configuration may be at least one server (or device), and / or a program recorded on a recording medium provided in the server (or device) according to the intention of a person skilled in the art of practicing the present invention. 10 may be implemented, and means for providing the money balance relay service to a predetermined money balance relay server 1000 for easily explaining the technical features of the present invention to those skilled in the art. Or illustrated by showing that the functional configuration is provided, but the present invention is not limited thereby.

In addition, the cash balance relay server 1000 is associated with at least one or more databases for providing a cash balance relay service according to the present invention, and / or at least one at the cash balance relay service provider side according to the present invention. It is characterized by including the above-described database, the database that may obscure the subject matter of the present invention in FIG. 10 is omitted for convenience.

Referring to FIG. 10 according to an embodiment of the present invention, the cash balance relay server 1000 for a money balance relay service according to the present invention is a member corresponding to at least one or more money consumer and / or money consumer. Member information D / B (145) for storing information and money consumer condition information D / B for storing money consumer condition information registered by at least one money consumer for the money consumer loan relay service according to the present invention. 140 is provided.

The member information D / B 145, which stores the money consumer loan member information, provides money consumer loan information for the money consumer who loans a predetermined amount of money to the at least one money consumer. And the intention and / or intention of a person skilled in the art to carry out the present invention, characterized in that the money consumer includes information on the customer account holder for operating and managing the loan of a predetermined amount to the at least one money consumer. According to the law related to the present invention, the member information D / B 145 is a contract (or terms and conditions) concluded between the money consumer and the money consumer service relay service provider for the money consumer service relay service according to the present invention. And / or at least the amount of money consumption stock corresponding to the money consumption loan relay service according to the present invention. At least one or more methods of a money lending relay service for lending to one or more money consumer, and / or the rights and responsibilities of the money lender and money lender relay service provider for the amount deposited by the lender. It may further include information on the consumption of money consumer loans (not shown), and in addition, the member information D / B 145 for storing the information on consumer money member according to the intention of the skilled person may further include at least one or more information. have.

According to the embodiment of the present invention, the money consumer loan account information is withdrawn the amount to borrow the money consumer loan funds to at least one money consumer borrower customer, the principal and / or interest repaid from the money consumer borrower customer It is preferable to include the information on the financial consumer's financial account corresponding to the financial account deposited to the customer's consumer, and / or the customer's deposit account information for depositing the money consumer's funds by the customer's money consumer; It is preferable to make it.

According to the method of the present invention, the principal and / or interest deposited into the financial consumer bank account is limited in the principal and / or interest reimbursed from the consumer of the financial consumer for the money lending relay service provider. It is desirable to deposit the amount.

The member information D / B 145 which stores the money consumer borrower member information includes money consumer account information for the money consumer who borrows at least one money consumer loan fund, and the money consumer borrower at least one or more money. It includes a customer account information for money borrower to manage the borrowing of consumer loans, and the member information D / B according to the intention of the person skilled in the practice of the present invention and / or the law related to the present invention 145, the contents of the contract (or the terms and conditions) and / or the money consumer borrower entered into (or to be concluded) between the money consumer and the money lender relay service provider for the money lender relay service according to the present invention. Money for borrowing at least one or more money consumer loan funds in response to a money consumption loan relay service according to the present invention. Loan loan management information (not shown) including at least one method and / or the responsibility and obligations of the borrower for the loan amount to the borrowed amount, and in addition to the intention of the skilled person Accordingly, the member information D / B 145 for storing the money consumer borrower member information may further include at least one information.

According to an embodiment of the present invention, the customer may have borrowed (and / or redeemed) a predetermined borrowing amount from at least one or more money consumer through at least one or more money consumer through the money loan relay service according to the present invention. In this case, the non-cash borrower customer information may further include delinquent information for the cash-consuming borrower, whereby predetermined creditworthiness information for the non-cash borrower customer may be calculated.

According to the embodiment of the present invention, the money consumer borrower customer account information manages the borrowed money borrowed from the at least one money consumer through the money consumer loan relay service according to the present invention, and the money It is preferable that the principal and / or interest repaid from the consumer borrower customer include the financial consumer finance account information corresponding to the financial account deposited to the money lender relay service provider, and / or the consumer of the money consumer. It is preferable that the borrowing amount borrowed from at least one financial consumer through the money consumer loan relay service according to the present invention includes customer loan account information of the customer who has deposited money.

The money consumer condition information D / B 140 is a money consumer condition information and principal guarantee information received from a predetermined money consumer customer terminal 165, the money consumer information and the money consumer information for the customer; Characterize and store the customer deposit information linked.

According to the method of the present invention, the monetary consumer condition information includes at least one of a monetary condition, an interest rate condition, a period condition, and / or a monetary borrower condition for the amount of money that the predetermined monetary consumer borrows from the at least one monetary borrower. Preferably, the principal guarantee information includes the money consumer principal and interest rate conditions and interest correction rate, forced correction rate, principal guarantee interest rate condition, and principal consumer principal guarantee corresponding to the information on the condition for the consumption of money. It is preferable to include at least one of an interest rate, a redemption interest rate of a money consumer, and a loss burden interest rate.

According to the present invention, when effective principal guarantee information is stored in the cash consumer condition information D / B 140, the interest rate condition of the cash consumer condition information for at least one money consumer borrower to borrow the money consumer principal Is automatically converted to the repayment interest rate of the monetary consumer of the principal guarantee information, the monetary consumer of the monetary information of the principal guarantee information instead of the interest proceeds corresponding to the interest rate conditions of the monetary consumer condition information It is characterized in that the interest income corresponding to the principal guarantee interest rate of the lender is provided.

In addition, the customer deposit information is a deposit amount information that is deposited for loan to at least one money consumer borrower through the money consumer loan relay service according to the present invention, and the customer the money consumer loan funds are deposited; At least one deposit account information and / or deposit confirmation information for confirming whether or not the amount corresponding to the money consumption loan funds is deposited in the customer deposit account is preferably made.

The financial system 155 associated with the money lending relay server 1000 may include an account system for processing (or requested) credit services and / or receiving services occurring in the money lending relay service process according to the present invention; Information support services (e.g., requested or generated) in the course of the money lending relay service according to the present invention (e.g. withdrawal of the borrowed amount into the financial account of the money consumer, and / or confirmation of interest deposit from the money consumer) And / or an information system that processes the repayment of the borrowed amount from the money consumer, and the financial system 155 and the money consumption balance shown in FIG. 10 through a predetermined interface means 150. An external system that provides communication connection and information transmission and reception between the server 1000 and / or a cash consumption operating server that provides the money lending service. Provided by consumption continents and / or a unit for managing the account, including at least one or more financial accounts, and / or customer deposit account and / or customer accounts, such as accounts, loans corresponding to the borrower money consumption is characterized in that formed.

According to the method of the present invention, the financial system 155 is composed of at least one server (or device), and / or in the form of a program recorded on a recording medium provided in the at least one server (or device). It may be all implemented, and / or comprises a storage device provided in at least one or more servers (or devices), whereby the invention is not limited.

According to an exemplary embodiment of the present invention, the financial system 155 may be provided on a cash balance relay system providing a cash balance relay service according to the present invention (for example, a cash balance relay according to the present invention). A cash-consumption lending service provider providing a service is granted a financial company status to perform lending / receiving business pursuant to related laws, or provides a money-consuming lending relay service according to the present invention at a financial institution performing lending-receiving business. In this case, the financial system 155 may be processed in connection with at least one financial institution (eg, a commercial bank, a savings bank, a securities company, etc.) performing a lending service through a predetermined financial common network.

When the financial system 155 is provided on the money balance relay system providing the money balance relay service according to the present invention, the interface means 150 is on the financial system 155 and the money balance relay system. Preferably it comprises a communication means for connecting at least one server (or device) provided in.

According to another exemplary embodiment of the present invention, the financial system 155 may be provided in at least one financial institution affiliated with a cash balance relay system for providing a cash balance relay service according to the present invention (eg, In the case where the money lending brokerage service provider providing the money lending relay service according to the present invention is not able to perform lending or receiving work in accordance with the related laws, or provides lending services related to the lending money lending through a financial institution; In this case, the financial system 155 corresponds to a financial computer system provided in a predetermined financial institution affiliated with the money lending relay system.

When the financial system 155 is provided in at least one financial institution affiliated with a cash balance relay system for providing a cash balance relay service according to the present invention, the interface means 150 is connected to the financial system 155. And a dedicated communication network connecting at least one or more servers (or devices) provided on the cash balance relay system.

According to another exemplary embodiment of the present invention, a part of the financial system 155 may be provided on a money consumption balance relay system that provides a money consumption balance relay service according to the present invention (money consumption according to the present invention). If the money lending service provider that provides the loan relay service can directly carry out lending / receiving business in accordance with the related laws, but in accordance with the intention of the person skilled in the art, the lease and use of a part of the financial computer system provided in the conventional financial institution, Alternatively, if the money lending relay service provider cannot directly perform the receiving and receiving business in accordance with the related law, but other than the receiving and receiving business is possible), in this case, a part of the financial system 155 (eg, the external system) And an information system and an accounting unit) are provided on the money balance relay system, and the remaining portion (e.g., account system) It may be provided in a financial institution affiliated with a consumer loan relay system, whereby the present invention is not limited.

According to an embodiment of the present invention, when the financial system 155 is provided on the cash flow balance relay system, the non-cash bank account and the customer deposit account corresponding to the cash consumer are integrated into one. An account operated and / or operated as a separate account respectively opened in response to the money consuming customer, and / or the money consuming financial account opened in the financial system 155 on the money lending relay system. The customer deposit account may correspond to an account opened in a predetermined financial institution in the name of the customer of the consumer of the money, and thus the present invention is not limited thereto.

In addition, when the financial system 155 is provided on the money lending relay system, the money consumer borrower financial account and the customer loan account corresponding to the money consumer borrower customer is operated as one integrated account, and / Or a separate account opened in correspondence with the cash consumer, or the borrower's financial account is an account opened in the financial system 155 on the cash balance relay system, and the customer loan account is a predetermined account. It is possible to all correspond to the account opened in the name of the consumer of the financial consumer in the financial institution of the present invention, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the financial system 155 is provided at a financial institution linked with the money consumption relay system, the money consumption loan financial account is opened at the financial institution. It may be a virtual account corresponding to the customer's consumer account in the connection with the mother account of the service provider, and / or a real account opened in the financial institution's customer name in the financial institution. The present invention is not limited by this.

In addition, when the financial system 155 is provided in a financial institution linked with the money balance relay system, the customer deposit account is opened in the financial institution linked with the money balance relay system in the name of the customer of the money consumer. It is possible to correspond to the opened account, or to an account opened in the name of the consumer of the money consumer in a financial institution other than the financial system 155 associated with the money lending relay system, whereby the present invention It is not limited.

In addition, when the financial system 155 is provided in a financial institution linked with the money lending relay system, the borrower's financial account is linked with the mother account of the money lending relay service provider opened in the financial institution. It may be a virtual account that is processed to correspond to the consumer accounting customer, and / or to a real account opened in the financial institution under the name of the consumer customer, and thus the present invention is not limited thereto. .

In addition, when the financial system 155 is provided in a financial institution linked with the money lending relay system, the customer loan account is opened in the financial institution linked with the money lending relay system under the name of the customer of the money consumer. It is possible to correspond to an account opened or an account opened in the name of the customer of the consumer of the money consumer in a financial institution other than the financial system 155 associated with the money lending relay system, whereby the present invention It is not limited.

Referring to FIG. 10, the cash consumption balance relay server 1000 connects a predetermined cash consumption borrower customer terminal 1070 to a communication channel for providing a cash consumption balance relay service, and a cash consumption borrower customer through the communication channel. An interface unit 1010 which provides at least one interface screen to the terminal 1070 and receives at least one or more information corresponding to the interface screen from the money consumer customer terminal 1070, and a predetermined money consumer customer terminal ( When the client unit 1070 is connected to the cash balance relay server 1000 through the interface unit 1010, the customer authentication unit 1005 authenticates the customer using the member information D / B 145 to authenticate the cash consumer. And a vehicle to be borrowed from at least one money consumer from the money consumer customer terminal 1070 through the interface unit 1010 when authenticating the customer from the consumer. An information receiving unit 1015 for receiving the money consuming condition information including at least one of a monetary condition, an interest rate condition, and / or a term condition for the amount of money; and the money consuming condition received through the information receiving unit 1015 An information extraction unit 1020 for extracting at least one monetary consumption condition information matching the monetary consumer condition information from the monetary consumer condition information D / B 140 based on the information; and the information extracting unit 1020 Select at least one financial consumer condition information to lend the borrowed amount from the at least one financial consumer condition information extracted through e) and at least one cash consumer customer's money corresponding to the selected financial consumer condition information; Of the money consumption balancer 1040 and the money consumption balancer 1040 to relay the loan to the consumer loan funds. Corresponding to the result of the consumer balance transfer, withdraw the money consumer loan funds of the at least one selected money consumer loan customer from the money consumer financial account (and / or customer deposit account) in conjunction with the financial system (155) And a fund processing unit 1045 for depositing into a customer loan account (and / or a finance consumer finance account) of the consumer.

According to the exemplary embodiment of the present invention, the money consumption balance relay server 1000 may include at least one of the information extraction unit 1020 matching the money consumption condition information from the money consumption condition information D / B 140. In extracting the above-mentioned monetary consumer condition information, an information confirmation unit 1035 for checking whether the principal consumer information is stored in the monetary consumer condition information D / B (140) is effective. In addition, the information extracting unit 1020 is the consumer of the money consumer loan payment rate of interest included in the principal information instead of the interest rate conditions included in the information on the consumer loan condition information It is characterized by extracting the interest rate conditions corresponding to the.

According to the exemplary embodiment of the present invention, the money consumption balance relay server 1000 stores the principal guarantee information valid in the money consumption condition condition information D / B 140, and the money consumption balance relay unit 1040 stores the money consumption balance. Relay the consumer's loan to the consumer, based on the redemption interest rate included in the principal's guarantee information, and the funds processing unit 1045 relays the loan to the consumer; After the processing of the funds corresponding to the result, the interworking with the financial system 155 checks whether the interest amount corresponding to the interest rate of redemption of the money consumer is periodically received from the customer from the consumer of the money, and the interest money is deposited. Check whether the at least one cash consumer customer who has lent a predetermined amount to the borrower customer has requested a principal guarantee. And when the consumer of the money consumer requests the principal, the amount corresponding to the interest protection interest rate of the consumer of money, corresponding to the interest payment rate of the consumer of the consumer, is deposited to the customer of the consumer of money. When the consumer of the money consumer does not request the principal guarantee, the interest amount processing unit 1055 for depositing the interest amount corresponding to the repayment interest rate of the consumer money borrower to the money consumer, the customer characterized in that it further comprises.

According to the exemplary embodiment of the present invention, the money consumption balance relay server 1000 stores the principal guarantee information valid in the money consumption condition condition information D / B 140, and the money consumption balance relay unit 1040 stores the money consumption balance. Relay the consumer's loan to the consumer, based on the redemption interest rate included in the principal's guarantee information, and the funds processing unit 1045 relays the loan to the consumer; After the processing of the funds corresponding to the result, if the loss occurs in the principal of the principal of the consumer, further comprising a principal loss offset processing unit 1060 to offset the principal loss based on the principal guarantee information do.

According to the exemplary embodiment of the present invention, when the money consumption balance relay server 1000 extracts at least one money consumption condition condition information extracted through the information extraction unit 1020, the interface unit 1010 may be used. It is preferable that the information transmission unit 1025 for transmitting the extracted at least one monetary consumer loan condition information to the money consumer customer terminal 1070, by the information transmitting unit 1025 After the extracted at least one financial consumer loan condition information is transmitted to the cash consumer customer terminal 1070, the transferred money in conjunction with the cash consumer customer terminal 1070 through the interface unit 1010 Approve money balances authorizing the borrowing of money consumer loan funds from at least one customer Be made of the further (1030) is preferred.

According to another exemplary embodiment of the present invention, the money consumption balance relay server 1000 may include at least one money consumption condition condition information extracted by the money consumption balance relay unit 1040 through the information extraction unit 1020. After the at least one or more financial consumer loan condition information is selected to lend the borrower's borrowing amount of money, the at least one consumer's customer terminal information (1070) is displayed through the interface unit 1010. It is preferable to further include an information transmitting unit 1025 for transmitting to the at least one monetary consumer condition information selected by the monetary balance relay unit 1040 to the monetary consumer terminal 1070. After the transmission, the transmitted money in conjunction with the money consumer customer terminal 1070 through the interface unit 1010 Be made of the further consumption balance is cash approve 1030 authorizing the at least one borrow money lender consumption of money spent lender customer funds corresponding to the enlarged main conditions information is preferred.

According to an embodiment of the present invention, the cash consumption balance relay unit 1040 is to borrow the money consumer loan funds of the money consumer loan customer to at least one or more money consumer customers corresponding to the selected money consumption condition information. After the relay process, it is preferable to generate predetermined money consumption history information corresponding to the result of the money consumption balance, and after the money consumption history information is generated, the money consumption relay server 1000 An information storage unit for linking predetermined financial consumer information and at least one financial consumer information corresponding to the result of the money lending relay, and storing the generated information on the loan history of the loan to the predetermined storage medium 1065. It is preferable to further comprise 1050.

According to another exemplary embodiment of the present invention, the fund processing unit 1045 may withdraw the money consumer loan funds of the money consumer loan customer from the selected at least one money consumer finance account (and / or customer deposit account); After depositing into a customer loan account (and / or a financial consumer's financial account) of a consumer of a money consumer, it is preferable to generate predetermined money consumption history information corresponding to the result of the processing of the money, and the money consumption history information. After the generation, the cash consumption balance relay server 1000 processes the predetermined cash consumer information and the at least one cash consumer information and the generated cash consumption details information corresponding to the funds processing result. It is preferable to further include an information storage unit 1050 to be stored in a predetermined storage medium 1065.

The money consumer borrower customer is required to register as a money consumer borrower membership through the member registration means (not shown) provided on the money consumption balance relay system for the money consumption balance relay service according to the present invention, the member In the registration process, the member information D / B 145 stores the customer information on the borrower's money, the customer account information on the borrower's account and / or the borrower's loan management information (not shown).

The interface unit 1010 is characterized in that connecting the communication channel for providing a cash consumption balance relay service according to the present invention between the cash consumption balance relay server 1000 and the money consumption borrower customer terminal 1070, Accordingly, the cash consumption balance relay server 1000 has a function of a web server that is connected to the cash consumption customer terminal 1070 in communication.

According to an embodiment of the present invention, when the money consumer customer terminal 1070 is a wired terminal connected through a TCP / IP-based wired network, the interface unit 1010 may be connected to the money consumer customer terminal 1070. Connect a predetermined communication channel based on the HTTP (Hyper-Text Transfer Protocol) protocol, and the interface screen in the form of HTML (Hyper-Text Markup Language) compatible document to the cash consumer customer terminal 1070 through the communication channel and And / or transmit and output the information providing screen, and receive and process predetermined information corresponding to the interface screen from the cash consumer customer terminal 1070.

According to another exemplary embodiment of the present invention, when the cash consumer customer terminal 1070 is a wireless terminal connected through a CDMA-based wireless network, the interface unit 1010 is connected to the cash consumer customer terminal 1070 and the WAP. (Wireless Markup Language) and / or HTML to connect a predetermined communication channel based on a Wireless Application Protocol (ME) and / or a Mobile Explorer (ME) protocol, and to the cash consumer customer terminal 1070 through the communication channel. It is preferable to perform a function of transmitting and outputting an interface screen and / or an information providing screen in the form of a compatible document, and receiving and processing predetermined information corresponding to the interface screen from the cash consumer customer terminal 1070.

According to another exemplary embodiment of the present invention, when the cash consumer customer terminal 1070 is a wireless terminal connected through a wireless network based on IEEE 802.16, the interface unit 1010 is the cash consumer customer terminal 1070. And a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16 standard, and transmits a predetermined interface screen and / or information providing screen to the cash consumer customer terminal 1070 through the communication channel. And receiving and processing a predetermined information corresponding to the interface screen from the cash consumer customer terminal 1070, and / or the cash consumer customer terminal 1070 based on DataTAC / Mobitex. In the case of a wireless terminal connected through a wireless network of the interface unit 1010 is the consumer of the consumer of the consumer terminal 1070 and the DataT Connect a predetermined communication channel based on a wireless protocol corresponding to AC / Mobitex standard, and transmit and output a predetermined interface screen and / or information providing screen to the cash consumer customer terminal 1070 through the communication channel. In addition, it is preferable to perform a function of receiving and processing predetermined information corresponding to the interface screen from the cash consumer customer terminal 1070.

When the money-consuming borrower customer accesses the cash consumption loan relay server 1000 through a predetermined money-consuming borrower customer terminal 1070, the customer authentication unit 1005 is linked with the money-consuming borrower customer terminal 1070. On the basis of the information stored in the member information D / B (145) characterized in that for performing the login (or money consumer membership authentication) procedure for the consumer.

According to the exemplary embodiment of the present invention, in the process of performing the member authentication procedure for the customer, the customer authentication unit 1005 from the member information D / B (145) from the money corresponding to the customer of the consumer money borrower It is preferable that consumer borrower customer information and financial consumer account information is extracted, and the financial consumer account information includes the financial account information of the consumer, which manages the borrowing amount of the borrower customer, and / or the borrowing amount. It is preferable to include the customer loan account information that is loaned (or deposited) to the customer.

When the information receiving unit 1015 authenticates the consumer of the consumer of the money, the amount condition for the borrowed amount to be borrowed from at least one financial consumer through the interface unit 1010 from the consumer of the consumer, the interest rate condition And / or provide a cash consumer's condition input interface for inputting and providing money consumer's condition information including at least one period condition, and from the money consumer's customer terminal 1070 through the money consumer condition input interface. Characterized in that the received money consumer borrowing condition information.

The amount condition of the borrower condition information corresponds to the total amount of money borrowed by the borrower to borrow at least one or more money consumer through the money lending relay service according to the present invention.

According to the embodiment of the present invention, the amount of money of the borrower condition information is preferably made further comprises a minimum amount of money and / or a maximum amount of money, if the minimum amount of money conditions further include, The amount condition corresponding to the borrowed amount must be greater than the minimum amount condition, and if the amount condition further includes a maximum amount condition, the amount condition corresponding to the borrowed amount must be less than the maximum amount condition. For example, when the minimum amount condition is 1,000,000 won, the amount corresponding to the borrowed amount should be greater than 1,000,000 won, and when the maximum amount condition is 50,000,000 won, the amount corresponding to the borrowed amount should be less than 50,000,000 won.

In addition, the amount of money of the borrower condition information is preferably made to further include a unit price condition, in this case, the amount corresponding to the borrowing amount should correspond to the unit price condition. For example, when the unit price condition is 1,000,000 won, the amount corresponding to the borrowed amount should be 1,000,000 units, the unit of 100,000 or less can be automatically cut.

The interest rate condition of the borrower's condition information is based on an interest rate for calculating interest to be periodically repaid to at least one borrower who borrowed the borrowed money from the borrower after the borrower borrowed the borrowed amount. Corresponding.

According to the method of the present invention, the interest rate condition of the borrower condition information is an interest rate for the borrowed amount borrowed by the borrower, and the interest periodically repaid by the borrower borrows the borrower from the borrower. At least one or more corresponding to the ratio of the borrowing amount of each monetary consumer borrowing the amount (e.g., the ratio corresponding to 10% of the interest if a particular monetary consumer lends 10% of the loan to the monetary borrower); It is desirable to be provided to the money consumer.

In addition, in providing the at least one monetary lender with interest that is periodically repaid by the monetary borrower in response to the ratio of the borrowing amount of the monetary lender to the monetary borrower, It is preferable to limit the service provider's fees (eg, money lending relay fees) to provide the remaining interest to the money consumer.

The term condition of the money consumer borrowing condition information is a period during which the money consumer borrower borrows the borrowed amount from at least one money consumer through the money consumer loan relay service according to the present invention, and / or the money consumer customer. It includes at least one or more of the period of repayment of the borrowed amount (or principal) borrowed from at least one or more money consumer through the money consumer loan relay service according to the present invention.

According to the method of the present invention, the borrowing amount is transferred from the at least one cash consumer to the customer loan account of the cash consumer by the money lending relay service according to the present invention under the term term of the borrower condition information. It is preferable to apply based on the date and time of deposit.

The information extracting unit 1020 receives the money consuming condition information from the money consuming customer terminal 1070 through the information receiving unit 1015, based on the received money consuming condition information. The at least one consumer loan condition information D / B 140 may be configured to extract at least one loan consumer condition information matched with the at least one consumer condition information.

The money consumption condition information extracted by the information extraction unit 1020 from the money consumption condition information D / B 140 based on the received money consumption condition information, the credit rating (eg Credit information of the money-consuming borrower customer provided from at least one credit rating agency based on the credit information included in the money-consuming borrower customer information, and / or the money-consuming borrower customer information, and / or the money-consuming borrower customer. Characterized in that it includes the information on the condition of the consumer's loan, including credit information that matches the credit rating information of the customer provided by the consumer of the borrower calculated based on the delinquent information included in the information.

According to the exemplary embodiment of the present invention, the money consumption condition information extracted by the information extraction unit 1020 from the money consumption condition information D / B 140 based on the received money consumption condition information, It is preferable to include money consumption condition information including credit information corresponding to the credit rating of the customer.

According to another exemplary embodiment of the present invention, the money consumption condition information extracted by the information extraction unit 1020 from the money consumption condition information D / B 140 based on the received money consumption condition information In addition, it is preferable to include the money consumption condition information including credit information that is higher than the credit consumer's credit rating.

In addition, the money consumption condition information extracted by the information extraction unit 1020 from the money consumption condition information D / B 140 based on the received money consumption condition information, the received money consumption owner Interest rate condition information that matches the interest rate condition of the condition information (and / or the interest rate of redemption of the money consumer of the principal guarantee information when valid principal information is stored in the monetary consumer condition information D / B 140); It is characterized by.

According to the exemplary embodiment of the present invention, the money consumption condition information extracted by the information extraction unit 1020 from the money consumption condition information D / B 140 based on the received money consumption condition information, If the principal interest information is stored in the interest rate condition information (and / or the loan consumer condition information D / B 140) that matches the interest rate condition of the received money consumer condition information, the money consumer of the principal guarantee information Interest rate).

According to another exemplary embodiment of the present invention, the money consumption condition information extracted by the information extraction unit 1020 from the money consumption condition information D / B 140 based on the received money consumption condition information Money consumption of the principal guarantee information when the interest rate condition information higher than the interest rate condition of the received money consumer condition information (and / or the effective principal guarantee information is stored in the monetary borrower condition information D / B 140); Borrower's repayment interest rate).

In addition, the information on the consumer loan condition information extracted from the consumer loan condition information D / B (140) based on the received information on the consumer loan condition information, 1020, the credit rating of the customer customer Money consumer condition information including creditworthiness information matching information, and interest rate condition information (and / or the money consumer condition information D / B 140) matching the interest rate condition of the received money consumer condition information; ), If the effective principal guarantee information is stored, it is characterized in that it includes all of the repayment interest rate of the money-consuming borrower of the principal guarantee information.

According to the exemplary embodiment of the present invention, the money consumption condition information extracted by the information extraction unit 1020 from the money consumption condition information D / B 140 based on the received money consumption condition information, The interest rate condition information (and / or the money consumption condition information) in which the credit information of the customer of the consumer of the money and the credit information of the condition of the loan consumer information coincide with each other and the interest rate condition of the received information on the loan consumer condition information is matched. When effective principal guarantee information is stored in the D / B 140, it is preferable to include the repayment interest rate of the monetary consumer of the principal guarantee information.

According to another exemplary embodiment of the present invention, when the received credit rating information of the borrower customer and the credit information of the money consumption condition information match, the information extraction unit 1020 receives the received money consumption The money consumer condition information extracted from the money consumer condition information D / B 140 based on the borrower condition information is an interest rate of the received money consumer condition information among the money consumer condition information that matches the credit information. It is preferable to include the interest rate condition information lower than the condition (and / or the interest rate of repayment of the money consumer of the principal guarantee information when the effective principal guarantee information is stored in the cash consumer condition information D / B 140). .

According to another exemplary embodiment of the present invention, interest rate condition information of the received money consumer condition information and interest rate condition information of the money consumer condition information (and / or the money consumer condition information D / B 140) In the case where the principal guarantee information is stored in the bank, when the interest rate of repayment of the consumer of the principal of the principal guarantee information is identical), the information extracting unit 1020 provides the information on the condition of the loan consumer's condition on the basis of the received information on the consumer's loan condition; The money consumption condition information extracted from the D / B 140 preferably includes money consumption condition information including credit information lower than the received credit information of the customer.

According to the exemplary embodiment of the present invention, after the at least one money consumption condition information corresponding to the received money consumption condition information is extracted through the information extraction unit 1020, the information transmission unit 1025 is By transmitting the extracted at least one cash consumer condition information screen through the interface unit 1010 to the money consumer customer terminal 1070, the money consumer borrower transmitted from the money consumer customer terminal 1070 It is preferable to announce at least one monetary consumer condition information corresponding to the condition information information to the customer.

In addition, the at least one monetary consumer condition information screen extracted in correspondence with the monetary consumer condition information to the consumer terminal 1070, the information transmitting unit 1025 is the monetary consumer And an interface screen for selecting at least one monetary consumer condition information (and / or monetary consumer) to borrow the borrowed amount from the monetary consumer condition information on the condition information screen. When at least one or more money consumption condition information (and / or money consumption customer) is selected from the borrower customer terminal 1070, the money consumption balance relay unit 1040 is configured to extract the information 1010. At least one or more money stations to lend the borrowed amount among the at least one money consumption condition information extracted through There is a process of choosing the lender's conditions information may be omitted.

In addition, in providing the at least one financial consumer condition information screen extracted in correspondence with the financial consumer condition information to the cash consumer customer terminal 1070, the information transmission unit 1025 is the cash consumer condition Interface screen for approving automatic selection of the at least one cash consumer condition information (and / or money consumer customers) to borrow the borrowed money out of the cash consumer condition information on the information screen in the cash consumption balance relay server 1000 It may be further provided, and, if approved to automatically select at least one or more money consumer condition information (and / or money consumer customer) to borrow the borrowed amount from the money consumer borrower customer terminal 1070, The cash consumption loan approval unit 1030 is transferred to the cash consumer customer terminal 1070 through the interface unit 1010. That the approval process for at least one consumer financial lender clients corresponding to the Lender cash consumption condition information to borrow the amount borrowed is preferable.

The cash consumption balance relay unit 1040 extracts at least one money consumption condition information corresponding to the received money consumption condition information by the information extraction unit 1020, and / or the money consumption balance. When the approval unit 1030 is authorized to automatically select at least one or more money consumer condition information (and / or money consumer customer) to borrow the borrowed amount from the money consumer customer terminal 1070, the information extraction. The at least one monetary consumer condition information to be borrowed is selected from the at least one monetary consumer condition information extracted through the unit 1020.

According to the exemplary embodiment of the present invention, the money consumption balance relay unit 1040 may include the money consumption column in the money consumption ratio condition information of at least one money consumption condition information extracted through the information extraction unit 1020. It is preferable to select at least one money consumption condition information for borrowing the borrowed amount by giving priority to the money consumption condition condition information having a quick registration date.

According to another exemplary embodiment of the present invention, the money consumption balance relay unit 1040 may lend to a predetermined money consumption borrower among at least one money consumption condition information extracted through the information extraction unit 1020. It is preferable to select at least one financial consumer condition information for borrowing the borrowed amount by giving priority to the financial consumer condition information remaining for a short period of time.

According to another exemplary embodiment of the present invention, at least one money consumption condition information extracted through the information extraction unit 1020 includes a money consumption condition including credit information lower than the credit information of the customer of the consumer of the money consumer. When the information is included, the money lending relay unit 1040 preferably selects at least one loan condition information to borrow the loan amount by giving priority to the money lending condition information having the lower credit rating information. Do.

According to another exemplary embodiment of the present invention, interest rate condition information (and / or lower than an interest rate condition of the received money consumer condition information is included in at least one money consumption condition information extracted through the information extraction unit 1020). Or if the principal consumption information is stored in the cash consumer condition information D / B 140, the interest rate of repayment of the borrower of the principal information of the principal guarantee information), the cash consumption balance relay unit 1040 is the interest rate It is preferable to prioritize this lower money consumption condition information to select at least one money consumption condition information to borrow the borrowed amount.

According to an embodiment of the present invention, at least one or more money consumer to borrow the borrowed amount of the at least one or more money consumer loan condition information extracted through the information extraction unit 1020 by the cash consumer loan relay unit 1040. After the condition information is selected, the information transmitting unit 1025 transmits the selected at least one money consumption condition information (and / or money consumption customer information) through the interface unit 1010. It is preferable to send to 1070 to notify the consumer of the consumer.

Further, in providing the selected at least one financial consumer condition information (and / or financial consumer information) screen to the cash consumer customer terminal 1070, the information transmission unit 1025 is the money consumer Approving the borrowing of the loan to at least one financial consumer who corresponds to the financial consumer condition information (and / or consumer consumer information) included in the condition information (and / or consumer information); It may further include an interface screen requesting to be provided, and the money consumption condition information (and the money consumption condition information (and / or money consumption customer information) screen included in the money consumer conditions information (and / or money consumer information) screen from the money consumer customer terminal 1070) And / or borrowing the borrowed amount to at least one money consumer customer corresponding to the money consumer customer information). In this case, the cash consumption balance approving unit 1030 corresponds to at least the money consumption condition information (and / or money consumption customer information) from the cash consumer customer terminal 1070 through the interface unit 1010 It is desirable to approve the borrowing of the borrowed amount to one or more customers.

The money consumption balance relay unit 1040 selects at least one money consumption condition information to borrow the borrowed amount from the at least one money consumption condition information extracted through the information extraction unit 1020, and / or When at least one monetary consumer condition information for borrowing the loan amount is selected from the monetary borrower customer terminal 1070, the monetary consumer borrower from the at least one monetary consumer who corresponds to the selected monetary consumer condition information Characterized in that the relay process to borrow the borrowed amount of the customer.

According to the exemplary embodiment of the present invention, the money consumption balance relay unit 1040 preferably calculates at least one or more amounts to be borrowed from the selected at least one money consumption customer among the money consumption borrower customers.

In addition, the cash consumption balance relay unit 1040 is a financial consumer information account (and / or customer deposit account information) for the consumer money consumer from the financial consumer account information associated with the consumer money consumer information. It is preferable to extract, and from each of the at least one financial consumer borrower customer account information associated with at least one or more financial consumer borrower information associated with the selected at least one financial consumer condition information, It is desirable to extract customer loan account information (and / or financial consumer finance account information).

Thereafter, the cash balance relay unit 1040 is configured to borrow each amount calculated to borrow from each money consumer, in response to the selected at least one money consumer, and the money for each money consumer. Withdrawal from the consumer loan financial account (and / or customer deposit account), characterized in that the processing to be deposited into the customer loan account (and / or consumer loan financial account) for the borrower customer. The money consumption balance relay unit 1040 may include respective amounts of information calculated to be borrowed from the at least one selected financial consumer, and information about the financial consumer's financial account for the at least one selected financial consumer. Customer deposit account information) and customer loan account information (and / or money consumer) for the consumer; It characterized in that for generating a cash balance consumption history information including the raised account information).

According to an embodiment of the present invention, each of the money information calculated to be borrowed from the at least one cash consumer customer selected by the cash balance relay unit 1040 and for the at least one money consumer customer When the financial balance sheet information including the financial consumer information and (or customer deposit account information) and the customer loan account information (and / or financial consumer financial account information) for the consumer, The information storage unit 1050 may process the selected at least one cash consumer information and the borrower customer information and the generated money consumption detail information in a predetermined storage medium 1065. desirable.

The money processing unit 1045 is based on the money consumption balance relay result processed by the money consumption balance relay unit 1040 and / or the money consumption detail information generated by the money consumption balance relay unit 1040. A loan amount calculated by the cash flow balancer 1040 to be borrowed by at least one or more of the borrowers from the borrowers, in accordance with the financial system 155. Withdrawal from the account (and / or the customer deposit account), characterized in that for performing the processing of the funds to deposit each amount of the withdrawal into the financial consumer's financial account of the consumer.

According to an embodiment of the present invention, when the financial consumer's financial account of the consumer and the consumer's financial account of the consumer is a virtual account corresponding to the mother account of the money consumer loan relay service provider, The financial system 155 interworking with the funds processing unit 1045 withdraws each calculated amount from the virtual account corresponding to the financial consumer loan financial account and deposits the amount into the virtual account corresponding to the financial consumer borrowing financial account. It is preferable.

According to the method of the present invention, when the money-consuming borrower financial account and the customer loan account of the money-consuming borrower customer is managed and operated as a separate account, the money-consuming borrower customer is deposited into the money-consuming borrower financial account. It is desirable that money cannot be withdrawn in cash.

Thereafter, the fund processing unit 1045 checks whether the amount of money deposited into the financial consumer borrower's financial account of the consumer of the cash consumer corresponds to the borrowing amount of the customer of the consumer of the cash consumer. If the amount of money withdrawn from a financial account (and / or a customer deposit account) and deposited into the money-consuming borrower's financial account is equal to the borrowing amount of the money-consuming borrower's customer, the fund processing unit 1045 may be configured to Withdraw the amount corresponding to the borrowed amount of the borrower customer of the money consumer is characterized in that the deposit to the customer loan account of the borrower customer.

According to an embodiment of the present invention, the financial consumer borrower's financial account is a virtual account corresponding to the mother account of the money lending relay service provider, and the customer loan account corresponds to the customer's borrower customer. In the case of a real account, the financial system 155 interworking with the money processing unit 1045 withdraws the borrowed amount from the virtual account corresponding to the financial consumer loan account and deposits it into a customer loan account of the customer of the consumer of the money consumer. It is preferable.

According to the method of the present invention, the borrower customer can withdraw the borrowed money deposited in the customer loan account for a predetermined cash, and / or transfer to another financial account.

According to another exemplary embodiment of the present invention, the fund processing unit 1045 is generated by the money consumption balance relay result processed by the money consumption balance relay unit 1040 and / or by the money consumption balance relay unit 1040. With reference to the information on the loan history of the consumer, characterized in that the consumer of the consumer of the financial consumer can borrow the loan amount of the borrower of the consumer, characterized in that the customer information is secured.

As a result of the check, when the money-consumer customer who has secured all the money-consumer customers who will lend the borrowing amount of the money-consumer borrower is confirmed, the money processing unit 1045 is borrowed by the money-holder borrower customer. Withdraw each of the amounts calculated for the borrower's customer to borrow from at least one of the consumer's financial account (and / or the customer's deposit account) of the at least one consumer who is set to borrow an amount; In addition, it is characterized in that the money processing procedure for depositing to the customer loan account (and / or financial consumer borrowing financial account) of the consumer money borrower customer.

According to the implementation method, the funds processing unit 1045 is linked to the financial system 155 at least one or more money consumer loan financial account (and / or customer deposit account) set to lend the borrowed amount of the customer money borrower customer It is preferable to withdraw the respective amount calculated to lend to the borrower's customer from the bank and to deposit the money to the borrower's financial account of the consumer. Financial account information (and / or customer deposit account information) of at least one financial consumer of the at least one financial consumer who lent the borrowed amount to the financial consumer is recorded.

Thereafter, the fund processing unit 1045 withdraws the amount deposited from the at least one cash consumer loan financial account (and / or customer deposit account) to the money consumer borrowing financial account of the cash consumer borrower customer of the money consumer borrower customer By depositing into a customer loan account, each amount calculated to be lent to the money consuming customer from at least one money consuming financial account (and / or customer deposit account) set up to lend the borrowing amount of the money consuming customer. A money processing procedure may be performed to withdraw money and deposit it to the customer loan account of the customer of the consumer.

According to an embodiment of the present invention, the principal guarantee information is stored in the cash consumption condition information D / B 140, and the cash consumption balance relay unit 1040 is repaid in the cash consumption borrower included in the principal guarantee information. After the loan is made to lend the money consumer loan funds of at least one money consumer account client to the money consumer, based on an interest rate, and the fund processing unit 1045 performs the processing of the money corresponding to the money loan relay result; The interest amount processing unit 1055 interoperates with the financial system 155 to check whether the interest amount corresponding to the redemption interest rate of the money consumer is periodically received from the customer.

As a result of the checking, when an interest amount corresponding to the repayment interest rate of the money consumer is received from the money consumer customer, the interest value processing unit 1055 lends a predetermined amount to the money consumer borrower customer at least one money consumer loan. It is characterized by checking whether the customer has requested principal guarantee.

If the consumer of the money consumer requests the principal, the interest value processing unit 1055 may use the amount of money corresponding to the interest protection interest rate of the consumer of the money, out of the interest corresponding to the repayment interest rate of the borrower of the consumer; It is advisable to make a deposit to the customer.

On the other hand, when the money consumer does not request the principal guarantee, the interest value processing unit 1055 preferably deposits the interest amount corresponding to the interest rate of the repayment of the money consumer to the money consumer.

According to an embodiment of the present invention, the principal guarantee information is stored in the cash consumption condition information D / B 140, and the cash consumption balance relay unit 1040 is repaid in the cash consumption borrower included in the principal guarantee information. After the loan is made to lend the money consumer loan funds of at least one money consumer account client to the money consumer, based on an interest rate, and the fund processing unit 1045 performs the processing of the money corresponding to the money loan relay result; When a loss occurs in the principal of the consumer spending principal, the principal loss offset processing unit 1060 calculates a loss amount for the principal of the consumer consumption principal based on the information on the balance of money consumption corresponding to the monetary consumer in which the principal loss occurred. And calculating a loss burden on the principal of the consumer's principal, based on the loss burden interest rate included in the principal guarantee information.

Thereafter, the principal loss offset processing unit 1060 offsets the calculated loss amount for the principal of the consumer spending money through the calculated loss burden, thereby ensuring the principal of the consumer spending principal.

If the principal loss amount is larger than the loss burden in the process of offsetting the principal loss, the principal loss offset processing unit 1060 determines a loss burden insufficient from another loss burden whose principal loss amount is smaller than the loss burden. It is preferable to offset the said principal loss amount by borrowing.

11A and 11B are diagrams illustrating the structure of money consumption detail information according to an embodiment of the present invention.

In more detail, FIGS. 11A and 11B illustrate an implementation method for constructing money consumption detail information generated by the money balance relay 1040 and / or the money processing unit 1045 of the money balance relay server 1000. Specifically, FIG. 11A illustrates the structure of the money consumption balance information generated by the cash balance relay unit 1040, and FIG. 11B is the structure of money consumption detail information generated by the fund processing.

Those skilled in the art to which the present invention pertains, at least one or more information omitted to be expected to obscure the gist of the present invention in the structure of the cash disbursement details with reference to the figures 11a and 11b, and / Alternatively, according to the intention of the person skilled in the art, it is possible to infer various information configurations further added to the structure of the money consumption history information, but the present invention includes all the information configurations inferred, and is illustrated in FIGS. It is not limited to the method.

For example, the loan history information may be loaned to the at least one borrower customer of the money consumer loan funds, and then the repayment details of the borrowed money during the repayment period for the loaned money, and / or interest on the borrowed money. Repayment details will be included.

Referring to FIGS. 11A and 11B according to an embodiment of the present invention, the money consumption detail information includes money consumption detail information associated with predetermined payment consumer interlock information and the selected at least one money consumption linked information. And the financial consumer loan detail information associated with the financial consumer borrowing condition information, the financial consumer borrowing condition information and the financial consumer borrower financial account information (and / or customer loan account information) and the financial consumption information. It is preferable to include the payment history information for the borrower financial account information (and / or customer loan account information), the monetary consumer loan details information and the money consumer loan financial account information (and / or customer deposit account information) and It includes the withdrawal details of the money consumer financial account information (and / or customer deposit account information) Be formed is preferred.

Referring to (a) of FIG. 11a and (b) of FIG. 11b, the borrower's details of the loan history information includes ID information and / or money consumption of each borrower's customer selected to lend the borrowed amount. The information includes the borrower linked information including at least one borrower management number, whereby the borrower history information of the loan history information is processed in association with at least one customer information.

In addition, the financial borrower history information of the loan history information, characterized in that it comprises the information on the financial consumer borrowing conditions including at least one or more of the money condition, interest rate conditions and / or term conditions registered by the customer of the consumer of the money. do.

In addition, the information on the borrower history information of the loan history information is the account number and the borrowing amount of the account (for example, in the present invention) to which the amount withdrawn from the money consumer loan account (and / or customer deposit account) The total amount of money to be withdrawn from the at least one cash consumer financial account (and / or customer deposit account) and deposited into the account through the money consumption balance relay service and the amount secured in the account (e.g., the money according to the present invention). Loan financial account information (and / or customer loans) that includes at least one or more amounts that are withdrawn from and deposited into the account through the consumer loan relay service (and / or the customer deposit account). Account information).

According to the method of the present invention, the borrowing amount of the financial consumer borrower financial account information (and / or the customer loan account information) included in the financial consumer borrowing history information may be viewed by the consumer of the financial consumer corresponding to the account number. It is preferable to include the total amount to be borrowed from at least one financial consumer loan customer through a cash consumer loan relay service according to the invention, the financial consumer borrower financial account information (and / or customer loans) included in the financial consumer borrowing history information The secured amount of the account information) preferably includes the total amount borrowed from the at least one cash consumer through the money consumer loan service according to the present invention.

In addition, the financial consumer borrowing history information of the cash consumption loan history information includes the money consumption borrower including a deposit date and time and a deposit amount of a predetermined amount is deposited into the financial consumer borrower financial account information (and / or customer loan account information) Characterized in that the payment history information for the financial account information (and / or customer loan account information).

According to the implementation method of the present invention, the deposit date and the amount of the deposit history information included in the borrower history information is shown in the (b) of the consumer information shown in (b) of Figure 11a and / or (b) of Figure 11b. It is preferable that the withdrawal date and time of the withdrawal information included in the withdrawal match.

In addition, the deposit amount of the deposit history information included in the information on the borrower history information preferably comprises an amount calculated to be borrowed from at least one customer, the customer corresponding to the withdrawal account number.

Referring to (b) of FIG. 11a and (b) of FIG. 11b, at least one of the money consumer information of the money consumption history information includes at least one ID information and / or a money consumer management number of the customer. Includes the information, such as the consumer spending information, such that the consumer information of the consumer loan balance information is processed in conjunction with the predetermined customer information of the consumer loan.

In addition, the financial consumer information of the consumer loan balance information is at least one of the withdrawal account number, the total amount of money deposited in the withdrawal account and the total amount of money, and the total amount of money deposited borrower Characterized in that it comprises the financial consumer's financial account information (and / or customer deposit account information) including at least one balance remaining to lend to the customer.

In addition, the information on the financial consumer's loan balance information of the consumer's loan balance information information includes the at least one withdrawal date and withdrawal amount of the withdrawal from the withdrawal account (and / or customer deposit account information) Characterized in that comprises a withdrawal history information for.

According to the method of the present invention, the account number of the financial consumer's financial account information (and / or the customer's deposit account information) included in the financial consumer's history information is shown in (a) of FIG. 11a and / or in FIG. It is preferable to correspond to the withdrawal account number included in the deposit history information of the money consumption borrower history information shown in a).

Referring to (a) of FIG. 11A corresponding to the amount of money consumed borrower details of the amount of money consumed by the cash balance relay unit 1040, the money is transferred by the money balancer 1040. When generating the loan balance information, the calculated amount is withdrawn from at least one financial consumer bank account (and / or a customer deposit account) and the deposit account (e.g., a financial consumer bank account of a consumer of money consumer) (and / or Or a customer loan account)), the deposit date and time included in the deposit history information of the borrower history information is characterized in that it is treated as a blank.

Referring to (b) of FIG. 11a corresponding to the monetary balance sheet details information of the monetary balance sheet information generated by the monetary balance balance unit 1040, the monetary balance is set by the monetary balance sheet 1040. Since the amount calculated to lend to at least one cash consumer customer from the cash consumer financial account (and / or customer deposit account) was not withdrawn at the time of generating the loan balance information information, the withdrawal history of the cash consumer history information The withdrawal date and time and withdrawal amount included in the information are treated as blanks.

Referring to (a) of FIG. 11B corresponding to the money consumption borrower history information of the money consumption history information generated by the money processing unit 1045, when the money processing history information is generated by the money processing unit 1045. And withdrawal of the calculated amount from at least one money consumer loan financial account (and / or customer deposit account) such that the deposit account (e.g., a money consumer finance account (and / or customer loan account) of a customer of a money consumer). The deposit date and amount included in the deposit history information of the borrower's history information are processed to the withdrawal date and the amount of the withdrawal date and withdrawal amount of the withdrawal information shown in (b) of FIG. It is characterized by.

Referring to (b) of FIG. 11B corresponding to the money consumption stock information of the money consumption history information generated by the money processing unit 1045, when the money processing history information is generated by the money processing unit 1045. And withdrawal of the calculated amount from at least one money consumer loan financial account (and / or customer deposit account) such that the deposit account (e.g., a money consumer finance account (and / or customer loan account) of a customer of a money consumer). Since the amount of money is deposited in the bank account, the balance included in the bank account information (and / or customer deposit account information) of the consumer spending history information is deducted by the amount withdrawn, the withdrawal date of the withdrawal history information And the date and time at which the calculated amount is withdrawn from the loan financial account information (and / or the customer deposit account information).

12 is a diagram illustrating an information providing process for a money consumption relay service according to an embodiment of the present invention.

In more detail, FIG. 12 includes at least one amount condition, an interest rate condition, and / or a term condition for the borrowed amount from the money consumer customer terminal 1070 through the money balance relay system shown in FIG. 10. Receives the information on the condition of the borrower to the consumer, and based on the information on the condition of the borrower loan information to match the information on the consumer loan condition stored in the consumer loan condition information D / B (140) to provide information for money lending relay service As a method of implementing the process, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 12 in the information providing process for the money balance relay service according to the present invention. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and Indicated is not limited only exemplary method.

12, the cash consumer loan relay server 1000 is referred to as a "server" for convenience, and the cash consumer customer terminal 1070 is referred to as a "customer terminal" for convenience.

Referring to FIG. 12, when a predetermined money consumer borrower accesses the server through a network corresponding to a predetermined customer terminal and logs in as a cash consumer borrower (1200), the server may log in the money consumer borrower login information (eg, (1205), if the money borrower customer authentication is confirmed (1210), the server determines the member information D / B (i.e., the ID and password of the money consumer). In operation 145, the borrower's customer information is extracted.

Thereafter, the server inputs at least one financial consumer borrowing condition including at least one of a payment condition and / or an interest rate condition and / or period information on the borrowed amount borrowed from the at least one financial consumer by the consumer. In operation 1220, it is determined whether a cash consumer condition input interface is requested.

When the customer terminal confirms that the customer terminal requests the money consumer condition input interface from the server (1230) by requesting the server to the server through the network (1230), the server In operation 1235, the terminal provides the cash consumer condition input interface to the customer terminal through the network, and checks whether the predetermined amount of money consumer condition information is received from the customer terminal through the network.

The customer terminal provided with the cash consumer condition input interface inputs the predetermined money consumer condition information through the cash consumer condition input interface (1245) and transmits the predetermined money consumer condition information to the server (1245). When it is confirmed that the money borrower condition information has been received (1250), the server receives the customer credit information of the money consumer borrower customer based on the extracted money borrower customer information from the member information D / B 145. In operation 1260, the interest rate condition suggested by the customer of the consumer of money is extracted from the information on the condition of the payment of borrower received from the customer terminal (1260).

According to an exemplary embodiment of the present invention, the server provides the credit consumer information extracted from the member information D / B 145 to a credit rating server provided in at least one credit rating agency, thereby providing the credit rating. It is preferable to calculate the credit information of the customer for the consumer of the money by receiving the credit information of the consumer of the customer from the server.

According to another exemplary embodiment of the present invention, the money consumer borrower customer is provided with at least one money consumption loan relay service according to the present invention, the money consumer borrower customer information stored in the member information D / B (145) If the predetermined delinquency information is included in the server, the server calculates the customer credit rating information for the consumer money borrower on the basis of the delinquent information included in the money consumer borrower customer information extracted from the member information D / B (145) It is desirable to.

According to another exemplary embodiment of the present invention, when the credit consumer information stored in the member information D / B 145 includes predetermined credit information of the consumer, the server is stored. It is preferable to check the credit information on the customer information on the borrower extracted from the member information D / B (145).

FIG. 13 is a diagram illustrating a money consumption balance relay process for a money consumption balance relay service according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates the money consumption condition information D / B based on the money consumption condition information received from the customer terminal 1070 through the money consumption relay system shown in FIG. As shown in FIG. 14, a method for carrying out a money consumption balance relay process for a money consumption balance relay service in accordance with the information on the condition for acquiring the balance of money consumption is provided. Reference may be made to 13 and / or modified to infer various implementation methods for the cash consumption relay process for the money consumption relay service according to the present invention, but the present invention includes all implementation methods inferred above. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the cash consumption relay server 1000 is referred to as a "server" for convenience, and the cash consumer customer terminal 1070 is referred to as a "customer terminal" for convenience.

Referring to FIG. 13, through the same process as that of FIG. 12, the borrower condition information is received from the customer terminal, and the interest rate condition corresponding to the credit rating of the borrower customer and the borrower condition information is extracted. Thereafter, the server extracts at least one money consumption condition information from the money consumption condition information D / B 140 that matches the credit rating and the interest rate condition corresponding to the money consumption condition information. (1300).

According to an embodiment of the present invention, when the money consumption condition information extracted from the money consumption condition information D / B 140 is stored in association with the valid principal guarantee information, the server may store the money consumption condition information. Instead of the interest rate conditions included, it is preferable to extract the interest rate of the repayment of the money consumer included in the principal guarantee information by substituting the interest rate of the money consumer condition information.

Thereafter, the server provides at least one monetary consumer condition condition information extracted from the monetary consumer condition information D / B 140 to the customer terminal, so that the at least one monetary consumer condition information extracted from the customer terminal is provided. A request is made to approve a money-loan relay service for a service (1305).

According to an exemplary embodiment of the present invention, the money consumption of the server is extracted from the money consumption condition information D / B 140 based on the interest rate conditions corresponding to the credit consumer's credit rating and the money consumption condition information; The loan condition information includes interest rate condition information that matches the received credit rating information of the borrower's customer and the credit information included in the loan consumer's condition information and matches the interest rate condition of the received borrower's condition information. And / or repayment interest rate of the money consumer's borrower of the principal guarantee information when the principal guarantee information is stored in the money consumption condition information D / B 140.

Alternatively, when the credit of the consumer of the consumer and the credit information included in the loan condition information match, the server based on the interest rate conditions corresponding to the credit rating of the consumer of the consumer and the information on the condition of borrowing money. The money consumer condition information extracted from the money consumer condition information D / B 140 is an interest rate condition lower than the interest rate condition of the received money consumer condition information among the money consumer condition information that the credit rating information matches. Information (and / or interest payment rate of the money-consuming borrower of the money-consuming borrower when valid principal information is stored in the money-consuming loan condition information D / B 140).

Or, if the interest rate condition of the money consumer condition information and the interest rate condition information (and / or the money consumption condition information D / B 140) of the money consumption condition information of the money consumption information is stored in the principal guarantee information Of the money consumer's repayment interest rate), the money consumer's condition information extracted from the money consumer's loan condition information D / B 140 based on the money consumer's loan condition information is the money consumer's loan borrower; It is preferable to include the information on consumer loan conditions that include credit information lower than the credit information of the customer.

The customer terminal receives and outputs at least one monetary consumer condition information extracted by matching with the credit and interest rate conditions of the monetary borrower customer from the server (1310), and is output by the monetary consumer customer. When the money consumption balance relay service for at least one money consumption condition information is approved (1315), a predetermined money balance payment service approval information is generated and transmitted to the server (1320).

According to another exemplary embodiment of the present invention, the customer terminal may select at least one or more money consumption condition information to borrow the borrowed amount from the at least one money consumption condition information, in which case the server The step of selecting at least one piece of money consumer loan condition information to borrow the borrowed amount of money from the consumer loan condition information, and / or the process of approving at least one piece of money consumer loan condition information selected by the server in the customer terminal will be omitted. As such, the present invention is not limited thereto.

If the cash consumption balance relay service approval information is received from the customer terminal, if the money consumption balance relay service for the extracted money consumption condition information (1325), the server is the money consumption condition information D / B At least one monetary consumer condition information to be borrowed is selected from the at least one monetary consumer condition information extracted from 140 (1330).

According to the exemplary embodiment of the present invention, the selected financial consumer condition information may include: a financial consumer who is registered with the financial consumer condition information in the at least one financial consumer condition information; Preferably, at least one monetary loan condition information is selected to borrow the loan amount by giving priority to the condition information.

In addition, the selected financial consumer condition information takes precedence over the financial consumer condition information of the extracted at least one financial consumer condition information, which has a less time left to lend a predetermined borrowing amount to at least one financial consumer. It is preferable that at least one or more money-consuming borrower condition information is selected to rank the borrowed amount.

If the extracted at least one financial consumer condition information includes money consumer condition information including credit information lower than the credit customer's credit rating, the selected money consumer condition information is Preferably, at least one piece of money consumer condition information for borrowing the borrowed amount is selected by giving priority to the money consumer condition information with lower credit information.

Alternatively, the principal effective in the interest rate condition information (and / or the money consumption condition information D / B 140) lower than the interest rate condition of the received money consumer condition information in the extracted at least one money consumption condition information; When the guaranteed information is stored, if the principal's repayment interest rate of the principal guarantee information) is included, the selected borrower's condition information gives priority to the borrower's condition information with the lower interest rate condition and the borrowed amount Preferably, at least one piece of money consumption condition information to be borrowed is selected.

If at least one monetary condition condition information is selected from among the at least one monetary condition condition information extracted from the monetary consumer condition information D / B 140 (1335), the server determines By providing the at least one selected money consumption condition information to a customer terminal, an authorization request is made to borrow the borrowed amount from a money consumption customer corresponding to the selected money consumption condition information (1340).

According to another exemplary embodiment of the present invention, the approval process 1340 may be omitted according to a contract (or contract) between the money consumer and the money lender relay service provider, thereby limiting the present invention. Not.

The customer terminal receives and outputs at least one monetary consumer condition information selected by the server (1345), and from the monetary consumer customer corresponding to the at least one monetary consumer condition information selected by the monetary consumer. If it is approved to borrow the borrowed amount (1350), generating information to approve borrowing the borrowed amount from the money consuming customer corresponding to the selected at least one money consuming condition information is transmitted to the server ( 1355).

If information is received from the customer terminal approving the borrowing amount, and the borrowing amount is approved from the money consuming customer corresponding to the selected at least one money consuming condition information (1360), The server calculates an amount of money to be borrowed from each money consumer, in response to the selected at least one money consumption condition information (1365), and the selected at least one money from the member information D / B 145. Each of the consumer spending information and the consumer account information (for example, the consumer financial account information and / or customer deposit account information) corresponding to the consumer condition information is extracted (1370), and the calculated amount and The at least one selected financial consumer account information (for example, a financial consumer financial account account) Information on the balance of payment and / or customer deposit account) and the consumer account information of the borrower (e.g., the information of the consumer account of the borrower financial account and / or customer loan account information) (1375), at least One or more money consumer loan customer information, the money consumer money borrower customer information, and the generated money consumption loan breakdown information are stored in a predetermined storage medium 1065 (1380).

14 is a diagram illustrating a process for processing money consumption loans for a money consumption relay service according to an embodiment of the present invention.

More specifically, Figure 14 is based on the money consumption condition information D / B received from the consumer customer terminal 1070 through the money consumer loan relay system shown in FIG. As shown in FIG. 140, a method of implementing a cash consumption financing process for a money consumption relay service in accordance with the information on the condition of loans to the consumer, is provided to those skilled in the art to which the present invention pertains. 14 and various modifications may be inferred for the cash disbursement money processing process for the money disbursement relay service according to the present invention, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

14, the cash consumption balance relay server 1000 will be referred to as "server" for convenience.

Referring to FIG. 14, when the cash balance relaying process for the money balance relay service is performed through the process as shown in FIG. 13, the server sends the cash balance relay result (and / or FIG. 13). The predetermined amount of money consumption loan funds processing information is extracted from the amount of money consumption loan information generated in step 1400.

According to an embodiment of the present invention, the money consumption loan processing information may be determined by the server in connection with a predetermined financial system 155 of at least one money consumption loan customer selected from the money consumption balance relay process. It is preferred to include information for withdrawing money from a consumer finance account (and / or a customer deposit account) and depositing the money into a consumer finance account (and / or a customer loan account).

For example, the money balance financing information may include money consumer finance account information (and / or customer deposit account information) for the at least one selected money consumer loan customer and money consumer finance account for the consumer money borrower customer. Information (and / or customer loan account information) and the withdrawal from the money consumer loan financial account information (and / or customer deposit account information) to each money consumer finance account information (and / or customer loan account information). It may include the amount information to be deposited.

When the money consumption loan processing information is extracted, the server interoperates with the financial system 155 corresponding to the money consumption loan financial account information (and / or customer deposit account information) included in the money consumption loan processing information. Perform a withdrawal procedure corresponding to the money lending funds processing information (1405), and interlock with the financial system 155 corresponding to the money consuming financial account information (and / or customer deposit account information); A deposit procedure corresponding to the fund processing information is performed (1410).

According to an embodiment of the present invention, the withdrawal procedure corresponding to the money consumption loan processing information may be performed by the money consumption borrower from a money consumption loan financial account (and / or a customer deposit account) for the at least one selected money consumption customer. It is preferable to include withdrawing the amount of money calculated corresponding to the condition information.

In addition, the deposit procedure corresponding to the money lending funds processing information includes depositing the amount withdrawn through the withdrawal procedure into a money consuming financial account (and / or customer loan account) for the money consuming customer. It is preferable to make.

If the above-described process for processing the money loan balance is completed (1415), the server generates predetermined money consumption history information including the result of the money processing (1420), and at least one money consumer account information By linking the money consumer information and the generated money consumption history information stored in a predetermined storage medium (1065) (1425), the money consumer and at least one money consumer customer in accordance with the present invention Providing money consumption loan relay service.

FIG. 15 is a diagram illustrating an interest amount processing process for guaranteeing principals of money consumption according to an embodiment of the present invention.

In more detail, in FIG. 15, the interest amount corresponding to the interest rate of the borrower's repayment of the borrower's repayment rate is transferred from the borrower's principal who borrowed the principal of the consumer of the cash consumer who registered the predetermined principal guarantee information through the information registration system shown in FIG. When the money is transferred to the mother account (eg, the financial consumer's financial account) of the money lending relay system through a predetermined financial system 155, whether the money lender customer requested money guarantee in the money lending relay system. When the payment is requested and the principal guarantee is requested, the present invention relates to an interest amount processing process of depositing an interest amount corresponding to the principal security interest rate of the consumer of the consumer, out of the interest amount deposited by the consumer of the money, into the consumer of the consumer of money; Those skilled in the art may refer to and / or modify this drawing 15 to obtain the image. Various implementation methods for the interest amount processing process to guarantee the principal of the consumer of the money consumer can be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG. .

15, the cash consumption balance relay server 1000 will be referred to as "server" for convenience.

Based on the money consumption juggeration relay system shown in FIG. 10, based on the interest rate of repayment of the money consumer of the money consumer included in the principal guarantee information, the loan is made to lend to the money consumer the money consumer's funds. After the fund processing unit 1045 performs the fund processing corresponding to the result of the money balance relay, the money balance detail information includes the principal and / or interest on the loan amount until the payment period is reached. It is preferable to further include repayment history information corresponding to.

Referring to FIG. 15, the server checks whether an interest amount corresponding to the redemption interest rate of the money consumer is received from the money consumer customer periodically in connection with the financial system 155 (1500).

According to the method of the present invention, the borrower's customer deposits the interest amount corresponding to the repayment interest rate of the borrower's repayment to the borrower's financial account provided in the financial system 155 to the borrowing amount. It is desirable to repay interest on

If an interest amount corresponding to the repayment interest rate of the money consumer is received from the money consumer customer (1505), the server refers to the money consumer loan detail information corresponding to the money consumer customer to the money consumer. Identify at least one customer who has borrowed a certain amount of money (1510).

If at least one customer who has loaned a predetermined amount to the money consumer is identified (1515), the server shares the interest of each money consumer among the interest amount deposited in response to the redemption interest rate of the money consumer. The amount of money is calculated (1520).

According to the implementation method of the present invention, the calculated interest sharing amount is a predetermined amount to limit the fee of the money balance relay system from the interest amount deposited corresponding to the redemption interest rate of the money consumer. It is preferable to correspond to the amount divided by the amount of money consumer loans lent.

According to one embodiment of the present invention, when a single money consumer lends a predetermined amount to a borrower of a money, the fee of the money lending relay system is limited from the interest amount deposited in response to the redemption interest rate of the money consumer. The amount becomes the interest split amount of the money consumer.

According to another embodiment of the present invention, when at least two or more money consumer loans lend a predetermined amount to the money consumer, the money balance relay system from the interest amount deposited corresponding to the redemption interest rate of the money consumer borrower The amount divided by the amount corresponding to the amount of the money-consuming borrower who lends a predetermined amount to the money-consuming borrower customer is the interest segmentation amount of each money-consuming shareholder.

As described above, when the interest-sharing amount by each consumer is calculated, the server checks the principal guarantee information associated with the customer consumption information (and / or the money consumption condition information associated with the customer consumption information). In operation 1525, check whether the money consumer has requested the principal according to the present invention.

If the money consumer does not request the guarantee of the principal (1530), the server deposits the calculated interest-department interest for each money consumer to the corresponding money consumer (for example, the financial account of the money consumer). (1535).

On the other hand, if the consumer of the money consumer requested the principal (1530), the server extracts the interest rate of the principal of the consumer of the money consumer from the money security information (1540), the share of interest by the money consumer Of the amount, the interest amount corresponding to the principal guarantee interest rate of the money consumer is deposited to the corresponding money consumer customer (for example, the financial account of the money consumer customer), and the remaining amount is paid for the principal guarantee of the money consumer's principal. And deposit (1545).

According to the method of the present invention, it is desirable that the above-mentioned process of depositing the interest-sharing amount by each cash consumer is repeated to all the money consumer customers who lent a predetermined amount to the money consumer.

If the process of depositing the interest-sharing amount for all the money-consumer customers who lent a predetermined amount to the money-consumer borrower is completed (1550), the server deposits in response to the redemption interest rate of the money-consumer borrower from the customer. Complete the process of depositing the received interest amount to the consumer of the money consumer who loaned a predetermined amount to the money consumer.

16 is a view showing a process of offsetting the principal loss to the principal of the money consumer in accordance with the method of the present invention.

In more detail, FIG. 16 illustrates a predetermined loss corresponding to the principal guarantee information when a certain principal loss occurs in the principal of a cash consumer who registered predetermined principal guarantee information through the information registration system shown in FIG. Regarding the process of offsetting the principal loss through a charge, if you have ordinary knowledge in the technical field to which the present invention belongs, the principal of the principal of the consumer of the money consumer by referring to and / or modifying this drawing 16 Various implementation methods for counteracting losses may be inferred, but the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

16, the cash consumption balance relay server 1000 will be referred to as a "server" for convenience.

Based on the money consumption juggeration relay system shown in FIG. 10, based on the interest rate of repayment of the money consumer of the money consumer included in the principal guarantee information, the loan is made to lend to the money consumer the money consumer's funds. After the fund processing unit 1045 performs the fund processing corresponding to the result of the money balance relay, the money balance detail information includes the principal and / or interest on the loan amount until the payment period is reached. It is preferable to further include repayment history information corresponding to.

Referring to FIG. 16, when the repayment period for the amount owed to the at least one money consuming customer by the money consuming customer is reached, the server receives the principal and the principal for the money consuming customer from the money consumption detail information. And / or extract reimbursement information corresponding to interest (1600), and read the reimbursement details corresponding to the extracted principal and / or interest, thereby determining whether a predetermined principal loss has occurred in the principal of the consumer of the money consumer. (1605).

If no principal loss occurs in the principal of the consumer of the money consumer (1610), the server does not perform a process of offsetting the principal loss according to the present invention, at this time secured in response to the consumer of the consumer The loss charges can be converted to the loss charges of other financial consumer customers.

On the other hand, if a principal loss occurs in the principal of the consumer of the money consumer (1610), the server loses the principal amount of the principal of the principal of the consumer of the consumer, based on the repayment history information corresponding to the extracted principal and / or interest Calculating (1615) and calculating a loss burden for the consumer, based on the loss burden interest rate included in the principal guarantee information corresponding to the consumer of the consumer, (1620). Compare the greater of the amount and the loss charge (1625).

If the comparison result shows that the loss burden is greater (1630), the server offsets the principal loss amount of the cash consumer by using the loss charge (1640), thereby ensuring the principal of the money consumer.

If the comparison result shows that the principal loss amount is larger (1630), the server borrows the amount insufficient to offset the principal loss among the loss burdens of other money consumer customers with the larger loss charges as the loss burden of the consumer customers. (Or conversion) (1635), and offset the principal loss amount of the money-consuming consumer customer with the loss charge (1640), thereby ensuring the principal of the money-consuming consumer customer.

According to the present invention, in order to guarantee the money consumer principal, the interest rate of the borrower's repayment interest is defined as the interest rate corresponding to the interest rate condition of the money consumer's condition information, and then the principal guarantee interest rate of the money consumer's principal is By subtracting the risk ratio from the interest rate condition of the consumer loan condition information, there is an advantage of guaranteeing (or preserving) the principal money principal when relaying the money balance.

According to the present invention, in order to guarantee the money consumer principal, the interest protection rate of the principal of the money consumer is defined as the interest rate corresponding to the interest rate condition of the information on the condition of the consumption of the consumer, and the interest rate of repayment of the money consumer is the money consumption. By adding the risk rate under the interest rate condition of the loan condition information, there is an advantage of guaranteeing (or preserving) the principal of the money consumer loan during the money consumption balance.

According to the present invention, the interest rate of repayment of the borrower of the money consumer adds a part of the risk rate under the interest rate condition of the information of the consumer spending condition to secure the principal of the consumer, and the principal guarantee interest rate of the consumer of the money consumer is By subtracting the remaining part of the risk from the interest rate condition of the money consumer condition information, there is an advantage of guaranteeing (or preserving) the money consumer principal during the money consumption loan relay.

Claims (8)

An inter-personal money lending transaction relay system that relays a deposit of at least one cash consumer customer to at least one money consumer customer, Input data of predetermined loan consumer condition information including at least one loan amount information, loan period information, loan interest rate information, loan consumer customer condition information, and principal guarantee condition information from the cash consumer customer terminal; And / or information receiving means for receiving the selection data; Information checking means for checking the money consumption condition information and confirming whether a principal guarantee condition has been input and / or selected; As a result of the checking, when the principal guarantee condition is input and / or selected, the risk ratio according to the principal guarantee is calculated and / or extracted, and the calculated and / or extracted risk rate is added to the loan interest rate information corresponding to the monetary consumption condition information. Additionally, a principal guarantee interest rate calculating means for calculating a principal guarantee interest rate obtained by subtracting the calculated risk ratio from the loan interest rate information presented by the money consumer; Information storage means for including the calculated principal guarantee interest rate in the money consumption condition condition information or in association with each other and storing the calculated principal security interest rate in a predetermined storage medium; And A deposit of the consumer of the money consumer is loaned to at least one consumer of money consumer in accordance with the loan interest rate conditions presented by the customer of the consumer of money and corresponding to the loan amount from the at least one consumer of money consumer. If the amount is deposited, the interest amount processing means for depositing the amount of money corresponding to the principal guaranteed interest rate from the interest amount to the customer account for the consumer account, characterized in that comprises a cash consumption transaction transaction system. The method of claim 1, wherein the principal interest rate, Money consumption balance transaction relay system, characterized in that comprises a commission rate according to the money consumption transaction relay. The method of claim 1, wherein the risk rate, Calculated or extracted in consideration of the quarterly or monthly or yearly average repayment rate when the money consumption transaction is relayed; or The money consumption loan transaction relay system, characterized in that it is calculated or extracted in proportion to the credit rating of the customer group (or customer) of the consumer money borrower corresponding to the customer condition information. The method of claim 1, wherein the interest amount processing means, The balance of the money consumption transaction, characterized in that to collect the remaining amount as a fee except the amount corresponding to the principal guarantee interest rate. The method of claim 1, wherein the money consumer loan customer terminal, Money consumption balance transaction relay system comprising a wired terminal and / or a wireless terminal. A method of relaying an interpersonal money consumption transaction that relays a deposit of at least one cash consumer customer to at least one money consumer customer, Inputting predetermined amount of loan consumer information including at least one loan amount information, loan period information, loan interest rate information, money consumer borrower customer condition information, and principal guarantee condition information in the money consumer account client terminal; / Or selecting; Receiving money consumption condition information input and / or selected by the money consumption customer terminal in a predetermined information receiving means; Checking the money consumption condition conditions information in a predetermined information checking means to confirm whether a principal guarantee condition has been input and / or selected; As a result of the checking, when the principal guarantee condition is input and / or selected, a risk according to principal guarantee is calculated and / or extracted by a predetermined principal guarantee interest rate calculating means, and the calculated and / or extracted risk ratio is determined by the consumer spending condition. Calculating a principal-guaranteed interest rate by subtracting the calculated risk ratio from the loan interest rate information presented by the money consumer, in addition to the loan interest rate information corresponding to the information; And And including the calculated principal guarantee interest rate in the money consumption condition condition information in a predetermined information storage means, or storing the same in a predetermined storage medium by linking the cash consumption interest rate condition information. . The method of claim 6, When the deposit of the consumer of the money consumer is loaned to at least one consumer of money borrower and an interest amount corresponding to the loan amount is received from the at least one consumer of money borrower, the interest amount is processed by a predetermined interest amount processing means. And depositing only the amount corresponding to the principal guarantee interest rate into the cash consumer account, and collecting the remaining amount excluding the amount corresponding to the principal guarantee interest rate as a fee from the interest amount. How to relay money consumption transactions. A computer-readable recording medium having recorded thereon a program for executing the method of claim 6.

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