KR20090006484A - System and method for relay processing consumption borrowing and lending transaction and program recording medium - Google Patents

Abstract

A method and a system for relaying a consumption loan, and a recording medium thereof are provided to enable an individual to join in consumption loan transaction by forming a consumption loaner group and automatically transacting the consumption loan for money of a member belonging to the consumption loaner group. An information storing unit(925) stores consumption loan condition of each consumption loaner group to a storage medium. An information comparator(905) compares the consumption loan condition registered by customers with the consumption loan condition stored in the storage medium. An information processor(910) relays consumption loan transaction between the customers and a consumption loaner group based on a comparison result. Group opening servers(100,300,500) opens the consumption loaner group by grouping consumption loaners suggesting the same condition.

Description

System and Method for Relay Processing Consumption Borrowing and Lending Transaction and Program Recording Medium}

FIG. 1 is a diagram illustrating a system for constituting a consumption group for a predetermined consumption group transaction group according to an embodiment of the present invention.

2 is a diagram illustrating a process of forming a consumer loan transaction group having members who provide the same group configuration condition information according to an exemplary embodiment of the present invention.

3 is a diagram illustrating a system for consuming a group for a specific group of a group according to another embodiment of the present invention.

Figure 4 according to another embodiment of the present invention establishes a consumer loan group based on the application information for the consumer loan group establishment of the customer (such as a shop), and recruits members for the established consumer loan group to process the subscription process; Figure is shown.

FIG. 5 is a diagram illustrating a system for consuming a consumer group for configuring a specific consumer group according to another exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a process of forming a consumer group in which predetermined customers collectively provide a plurality of pieces of customer information to be included in a group according to an embodiment of the present invention.

7 is a diagram illustrating a configuration of a consumer information registration system for consumer loan transactions according to an embodiment of the present invention.

8 is a diagram illustrating a process of registering consumer information for consumption for a consumer loan transaction according to one embodiment of the present invention.

9 is a diagram illustrating a consumer loan transaction system based on a consumer loan transaction condition according to an exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a consumption loan transaction process corresponding to a consumption loan transaction condition of a consumer loan group according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

900: consumer loan transaction server 905: information comparison unit

910: information processing unit 915: information transmission unit

920: revenue share 925: information storage

930: storage medium 700: information registration server

100, 300, 500: Group configuration server

According to an aspect of the present invention, an information storage step is performed in which predetermined loan information is stored in a predetermined storage medium by linking and processing consumption loan transaction condition information of the predetermined consumer group and the consumer group information and group member information in a predetermined information storage means. An information comparing step of comparing consumption loan transaction condition information registered by the predetermined borrower customers in the means with consumption loan transaction condition information previously stored in the storage medium, and in response to the comparison result in the predetermined information processing means, the consumer loan transaction The present invention relates to a consumer loan transaction relay processing method including an information processing step of relaying a consumer loan transaction between a consumer borrower customer and a consumer loan group whose conditions are matched.

Generally, loans for consumption (eg, money loans, etc.) are established by enacting that a consumer loan transfers a predetermined amount of money to a money consumer, and the consumer loan is established by promising to return the transferred money. Unlike a lease that returns the object itself, the owner takes ownership of the object and consumes it and then returns another object.

With the development of the Internet, consumer loan transactions, which have been conducted mainly on the offline market, are also possible on-line, and these consumer loan transactions were mainly conducted on an individual-to-person basis. Transactions, or between groups and individuals.

An object of the present invention for solving the above problems, the information storage means for storing the consumer loan transaction condition information for each consumer group in a predetermined storage medium, and the consumer loan transaction conditions information registered by the consumer borrower customers and the storage medium Consumption including information comparing means for comparing the stored consumer loan transaction conditions information, and information processing means for relaying the consumer loan transaction between the consumer borrower customers and the consumer loan group corresponding to the consumer loan transaction conditions corresponding to the comparison result; To provide a loan transaction relay processing system.

In accordance with an embodiment of the present invention, a method for processing a consumer loan transaction relaying process comprises consolidating processing of a consumer loan transaction condition information of a consumer group, and the consumer group information and group member information in a predetermined storage medium in a predetermined storage medium. An information storing step, an information comparing step of comparing consumption loan transaction condition information registered by a predetermined consumer borrower customer in predetermined information comparing means with consumption loan transaction condition information previously stored in the storage medium, and in the predetermined information processing means. In response to the comparison result, it characterized in that it comprises an information processing step of relaying the consumer loan transaction between the consumer borrower customers and the consumer loan group that the consumer loan transaction conditions are matched.

According to the present invention, the information processing step, withdraw the consumption loan transaction amount from the account (or virtual account) opened in the name of the consumer loan group (or group members or group representative), so that the terms of the consumer loan transaction is matched Processing the deposit to an account (or virtual account) opened in the name of the consumer customers, the loan transaction condition information, the loan balance history information, the loan owner group (or group member) information, and the consumer loan customers And linking the information to a predetermined storage medium.

According to the present invention, the consumer loan transaction condition information includes transaction period information for the consumer loan transaction, transaction interest rate information, transaction amount limit information, and at least one credit rating information of the consumer borrower customer. It is done.

According to the present invention, the consumer loan transaction is characterized in that the consumer loan transaction using cash or points.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described method for processing a consumer loan transaction relay.

On the other hand, the consumer loan transaction relay processing system according to the present invention, the information storage means for storing the consumer loan transaction condition information for each consumer group in a predetermined storage medium, consumer loan transaction condition information registered by the consumer primary customers and the storage Information comparing means for comparing consumption loan transaction condition information previously stored in the medium, and information processing means for relaying consumption loan transactions between the consumer borrower customers and the consumer loan group corresponding to the consumer loan transaction condition corresponding to the comparison result. It is characterized by comprising.

According to the present invention, the consumer loan transaction relay processing system may open a consumer loan group by automatically grouping the consumer loan customers who have presented the same consumer loan transaction condition into a single group, or specify a specific consumer loan transaction condition. It characterized in that it further comprises a group establishing means for establishing a group in response to the request of the lenders or a plurality of consumer lenders.

According to the present invention, the consumption balance transaction relay processing system, characterized in that it further comprises a revenue distribution means for distributing the generated revenue to the members of the consumer loan group when the revenue corresponding to the consumption loan transaction occurs. .

On the other hand, each of the means is characterized in that provided in a single server, or provided in a plurality of servers.

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 made based on the contents throughout the present invention.

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, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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.

FIG. 1 is a diagram illustrating a system for consuming a group for a predetermined group of consumer group transactions according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates that when a given customer provides customer personal information and group composition condition information to form a predetermined consumption group transaction group to a consumption group arrangement system through a predetermined information registration interface. In the group configuration server 100 on the group configuration system, the provided customer personal information and group configuration condition information are cooperatively processed and stored in a predetermined storage medium 150, and the same group configuration condition information is provided from the storage medium 150. If one customer is identified, the system configuration of a predetermined consumer-traded trading group of the customers that provided the same group configuration condition information as a member, if one of ordinary skill in the art A system for constituting a consumer group group for a predetermined group of consumer group transactions by referring to or modifying FIG. For would be able to infer the various exemplary methods, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

For example, the consumer loan group is characterized in that the consumer loan transaction using the money or points (or money corresponding to the point) of the member of the consumer group.

Hereinafter, the customer personal information provided from the customer and the consumer loan group configuration condition information through the predetermined information registration interface on the consumer loan group composition system shown in FIG. 1 are processed in association with each other and stored in the storage medium 150. Identifying the customers who have provided the same consortium group composition condition information stored in the storage medium 150, the component corresponding to at least one or more means or functional configuration for forming a predetermined consortium group group for convenience "Group Configuration Server (100) ".

According to the embodiment of the present invention, the group composition server 100, when a consumer group having a group member consisting of customers who have provided the same consumer group group configuration condition information, the predetermined group corresponding to the configured consumer group It is characterized in that it further comprises at least one or more means or functional configuration for granting a virtual account of, and cooperatively processing the consumer group group virtual account and the account (or virtual account) of the group members, in addition to those skilled in the art In the process of implementing the invention may be further included other means or functional configuration within the scope of the present invention.

Referring to FIG. 1 according to an embodiment of the present invention, a system for consuming a host group for configuring a predetermined consumer group transaction group includes at least a client terminal including at least one wired terminal or a wireless terminal used by a customer. Characterized in that it comprises one or more information registration terminal, the information registration terminal is connected to the communication channel and the group configuration server 100 provided on the consumer group configuration system through a predetermined network means.

According to one embodiment of the invention, the customer is connected to the group configuration server 100 via at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, the group When the client personal information and group composition condition information for the predetermined consumer group transaction group configuration are input (or selected) through at least one user interface provided by the configuration server 100, the client terminal selects a predetermined network means. It is preferable to transmit to the group configuration server 100 provided on the consumer group configuration system through.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or at least one home appliance terminal (eg, Set-Top-Box, etc.) connected to the TCP / IP-based communication network.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the network means for connecting the client terminal and the group configuration server 100 may be a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication network connected to the client terminal It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the group composition server 100, and inputs or selects at least one or more information through the user interface to transmit the group configuration server 100. It is preferable that a function configuration (e.g., a browser program and communication function, or a predetermined communication program and communication function to communicate with the group configuration server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one wired terminal or a wireless terminal, and thus a detailed description thereof is omitted for convenience.

In the consumer group configuration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the group configuration server 100 or The wireless communication network may perform a function of an information registration interface for the customer to register customer personal information and group configuration condition information for the consumer group configuration.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or may further include a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, and the present invention is not limited thereto.

In the consumer-owned group configuration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown) and the group composition server 100 may be used. The wired telephone network or the wireless telephone network to be connected may perform a function of an information registration interface for the customer to register customer personal information and group configuration condition information for the predetermined consumer group configuration.

The storage medium 150 provided on the consumer group group composition system according to the present invention stores the data on the predetermined storage medium 150 by cooperatively processing the customer personal information and group composition condition information provided from the information registration terminal. The customer personal information and group composition condition information stored in the storage medium 150 are used for forming the predetermined consumer group.

The customer personal information may include at least one or more of a member ID, a name, a social security number, an address, a phone number (including a mobile number), an account number (or a virtual account number), etc. of the customer.

The group composition condition information may include the condition information for the consumer group and the condition information for the members to be included in the consumer group for the consumer group to be configured by the customer.

According to one embodiment of the present invention, the condition information for the consumer group may include at least one or more members (for example, two or more members) and group composition purpose of the consumer group.

In addition, the condition information for the members to be included in the consumer group, at least age group, gender, region, transaction period, transaction history (transaction amount, etc.), whether a particular company (or group) worked, occupation, religion, hobby, etc. It may comprise one or more.

According to another exemplary embodiment of the present invention, when the group composition condition information registration process is included in the membership registration process of the customer or in parallel with the membership registration process, the customer personal information or group composition condition information is registered by the customer. Application information may be further included.

According to another exemplary embodiment of the present invention, when the storage medium 150 is configured with a consumer loan group whose members satisfy the group configuration condition information, the consumer loan group configuration details and the customer's subscription request are made. Information or group member information can be further linked and stored.

According to one embodiment of the invention, the storage medium 150 is preferably provided on the group configuration server 100 provided on the consumer group configuration system (or associated with the consumer group configuration system). The present invention is not limited thereto.

The group composition server 100 provided on the consumer group group composition system according to the present invention is a generic term for the components on the consumer group group configuration system side connected to the information registration terminal through a predetermined network means. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the group composition server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTTP protocol defined in the browser program, a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program provided by the group configuration server 100, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, and the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the group configuration server 100, the interface unit 105 is connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, if the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 105 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 1, the group configuration server 100 connects a communication channel with the group configuration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. The interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined customer personal information and group configuration condition information from the information registration terminal to the information registration terminal. ), An information receiving unit 115 for receiving predetermined customer personal information and group configuration condition information inputted (or selected) and transmitted from the information registration terminal through the user interface in cooperation with the interface unit 105; And an information storage unit for processing the received customer personal information and group configuration condition information in a predetermined storage medium 150. do.

The interface providing unit 110, after a predetermined information registration terminal connects the communication channel with the group configuration server 100 through the interface unit 105, in response to the functional configuration provided in the information registration terminal; Generate a predetermined user interface that can input (or select) customer personal information and group composition condition information to the group composition server 100 through the network means, or extract from a predetermined database (not shown). And provide the user interface generated (or extracted) in association with the interface unit 105 to the information registration terminal through the network means.

Subsequently, the information registration terminal inputs (or selects) the customer personal information and group composition condition information based on the user interface, and inputs the input (or selected) customer personal information and group composition condition information through the network. The group configuration server 100 transmits.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 110 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser program or communication provided in the client terminal It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 110 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 105. desirable.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) the customer personal information and group composition condition information to the information registration terminal and transmitting the information to the group composition server 100 through the network means. When the predetermined information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

When the information receiving unit 115 inputs (or selects) customer personal information and group configuration condition information through the user interface from the information registration terminal, and transmits the information through the network means, the information receiving unit 115 interworks with the interface unit 105. And receiving customer personal information and group composition condition information, and providing the received customer personal information and group composition condition information to the validity verification unit.

The validity confirming unit may be configured to confirm whether the customer personal information and the group configuration condition information received from the information registration terminal satisfy a validity for a predetermined consumer loan transaction group configuration.

According to the method of the present invention, the validity check, when the customer is a customer who has already subscribed as a member, the validity check unit of the customer personal information received from the information registration terminal and the customer stored in the storage medium 150 Comparing the member information, it is characterized by checking whether the match.

The information storage unit stores the information on the storage medium 150 in association with the customer personal information and the group configuration condition information, and the storage medium 150 is provided in the group configuration server 100 or the When provided on the network associated with the group configuration server 100, the information storage unit is preferably stored in the storage medium 150 by integrating the received customer personal information and group configuration condition information.

The information confirming unit 130 confirms the same group configuration condition information among the group configuration condition information stored by the customers through the information storage unit. The identified same group configuration condition information and the same group configuration condition information Providing customer personal information to provide to the group configuration unit 135.

Here, the information confirming unit 130 presents the number of members (for example, two or more members) to form the consumer loan group included in the group composition condition information, a group interest purpose (for example, a specific interest rate for a consumer loan transaction). ), The age of the group members, the gender of the group members, the region where the group members live, the length of the transaction, the transaction history (such as the amount of the transaction), whether a particular company (or group) has worked, a job, a religion, or a hobby. Check the personal information of the customers, and provides the confirmed customer information to the group configuration unit 135.

The group forming unit 135 confirms the personal information of the customers providing the same consortium group composition condition information through the information confirming unit 130, and corresponds to the group composition condition information to the identified customers as members. It is characterized by constituting a consumer loan group.

Here, it is preferable that the number of group members be the number of persons specified in a predetermined group composition rule (terms, etc.).

The group constructing unit 135 may assign a group URL or a group name corresponding to the constituted consumer group, where the group name may be changed later by group members.

The virtual account opening unit 140 opens a virtual account corresponding to the configured consumer loan group when the consumer loan group including customers who have provided the same group configuration condition information through the group configuration unit 135 is formed. Characterized in that.

The consumer loan group virtual account opened through the virtual account opening unit 140 is for the deposit and withdrawal required in the process of performing a predetermined money balance transaction through the consumer loan group, the consumer loan group virtual account Is preferably associated with the account (or virtual account) of the consumer group member, through which it is used for the distribution of the collection or revenue from each member.

The information transmitting unit 145, in the process of forming a group consisting of customers who provided the same group configuration condition information through the group configuration unit 135, the group through a wired or wireless communication means of the customer And a message for notifying the configuration or requesting consent to join the group member.

2 is a diagram illustrating a process of forming a consumer loan transaction group having customers who provide the same group configuration condition information according to an exemplary embodiment of the present invention.

In more detail, in FIG. 2, the client terminal in the case where the group server 100 on the consumer group configuration system shown in FIG. 1 has a web server function to which a client terminal can be connected through a predetermined network means, the client terminal After connecting to the group configuration server 100 and connecting a communication channel for registration of customer personal information and group configuration condition information in order to configure a consumption group according to the present invention, the group configuration server ( When the customer personal information and group composition condition information are transmitted to the server 100, the group composition server 100 associates the received customer personal information with group composition condition information and stores them in a predetermined storage medium 150. Identifying the customers who have provided the same group configuration condition information from the storage medium 150 to obtain the customers who have provided the same group configuration condition information. As a process for forming a consumer group consisting of a circle, those skilled in the art to which the present invention belongs, various implementation methods for forming a consumer group having a specific purpose by referring to or modifying this drawing It may be inferred that, but the present invention includes all the implementation method inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the client terminal shown in FIG. 1 will be referred to as "terminal" for convenience, and the group configuration server 100 shown in FIG. 1 will be referred to as "server" for convenience.

Referring to Figure 2, the client terminal shown in Figure 1 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc. to register the customer personal information and group composition condition information, and for establishing the predetermined consumer transaction group. When requesting registration of customer personal information and group composition condition information (200), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the customer personal information and group composition condition information (205). In operation 210, the generated (or extracted) web page is transmitted to the terminal through the communication channel.

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) the customer personal information and group composition condition information in the terminal.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the customer personal information, group configuration condition information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) at least one or more pieces of customer personal information and group composition condition information through the information registration interface (215).

If the customer personal information and group configuration condition information are input (or selected) through the information registration interface in the terminal (220), the terminal inputs (or selects) the customer personal information and group through the communication channel. Configuration condition information is transmitted to the server (225).

According to an embodiment of the present invention, transmitting the input (or selection) of the customer personal information and group configuration condition information to the server through the communication channel may be performed by the customer personal information (or selection) through the information registration interface. The information and group configuration condition information may be further transmitted to the server by electronic signature or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the customer personal information and group composition condition information through the communication channel to check the validity of the customer personal information and group composition condition information (230).

According to the exemplary embodiment of the present invention, checking the validity of the customer personal information and the group configuration condition information may include: when the customer personal information and the group configuration condition information are electronically signed or encrypted through a security module provided in the terminal. And decrypting the customer personal information and the group configuration condition information.

According to an embodiment of the present invention, the validity check is, if the customer is a pre-subscribed customer, the server is a member of the customer stored in the storage medium 150 and the customer personal information received from the information registration terminal By comparing the information, it is characterized in that the match.

If the validity of the customer personal information and group composition condition information is not authenticated (235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (240). Do not perform information registration procedure corresponding to information, group composition condition information, and consortium group composition procedure.

On the other hand, if the validity of the customer personal information and group composition condition information is authenticated (235), the server performs an information registration procedure corresponding to the customer personal information and group composition condition information, thereby providing the customer personal information and group composition condition. The information is linked and stored in a predetermined storage medium 150 (245).

Thereafter, the server checks customer personal information that has registered the same group configuration condition information among the group configuration condition information stored in the storage medium 150 (250), and consumes the customers who have registered the same group configuration condition information as members. Form a lender group (255).

According to an exemplary embodiment of the present invention, when the customers who have registered the same group configuration condition information are confirmed, the server may transmit a message for requesting a predetermined agreement for the composition of the consumer group to the customer communication means. It may be determined whether the customer includes the member of the consumer group according to the agreement on the arrangement of the owner group.

When a consumer loan group having members who have registered the same group configuration condition information as described above is configured, the server grants a virtual account corresponding to the configured consumer loan transaction group (260), and the group virtual account information and the The consumer group information and the group member information are cooperatively processed and stored in the predetermined storage medium 150 (265).

Thereafter, the server generates (or extracts) a web page including the information registration and group configuration history information and transmits the web page to the terminal.

3 is a diagram illustrating a system for consuming a group for a specific group of consumption groups according to another embodiment of the present invention.

In more detail, Figure 3 is a predetermined customer through the predetermined information registration interface to the consumer group configuration system for the consumer group configuration request information including the consumer personal information, group configuration condition information for the customer group composition configuration If so, the group composition server 300 on the consumer group group composition system opens a consumer group having a specific purpose to the customer based on the provided consumer group group application information, and establishes the consumer group group information. As the system configuration for recruiting the consumer loan group members by linking the group establishment application information to store in a predetermined storage medium 350, and provides the established consumer loan group information to the individual member customers, Those skilled in the art to which the present invention pertains may refer to or modify this drawing. Various implementation methods for the configuration of the consumer group configuration system for a predetermined consumer group configuration may be inferred, but the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG. No.

Hereinafter, the consumption of a specific purpose based on the consumer loan group establishment application information including the customer personal information, group composition condition information provided from the customer through a predetermined information registration interface on the consumer loan group composition system shown in FIG. Establish a lender group, and provide the established lender group information to individual member customers through the web or customer communication means, and at least one means or component corresponding to the functional configuration for recruiting members for the group. For convenience, it is referred to as "group configuration server 300".

According to an embodiment of the present invention, the group composition server 300, when a consumer group having a group member consisting of customers who have provided the same group configuration condition information is configured, the predetermined group corresponding to the configured consumer group It is characterized in that it further comprises at least one or more means or functional configuration for granting a virtual account, and cooperatively processing the consumer group group virtual account and the account (or virtual account) of the group members, in addition to those skilled in the art Other means or functional configuration may be further included within the scope of the present invention in the process of implementing the present invention.

Referring to FIG. 3 according to an embodiment of the present invention, the consumer loan group configuration system for the predetermined consumer loan group configuration may include at least one wired terminal or a wireless terminal used by a customer requesting to establish the consumer loan group. And an information registration terminal including at least one client terminal and the like, wherein the information registration terminal is provided on the consumer group group configuration system through a predetermined network means. And communication channel are connected.

According to one embodiment of the invention, the customer is connected to the group configuration server 300 via at least one or more client terminals of a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network, the group configuration server 300 Inputting (or selecting) the consumer's personal group establishment application information including the group personal condition information and the group configuration condition information through at least one user interface provided by the user; It is preferable to transmit to the group configuration server 300 provided on the consumer group configuration system through.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or at least one home appliance terminal (eg, Set-Top-Box, etc.) connected to the TCP / IP-based communication network.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the network means for connecting the client terminal and the group configuration server 300 is a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication network connected to the client terminal Any one of the data communication networks, or preferably includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the group composition server 300, and inputs or selects at least one or more information through the user interface to transmit the group configuration server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the group configuration server 300, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the consumer group configuration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the group configuration server 300 or The wireless communication network may perform a function of an information registration interface for the customer to register the consumer loan group establishment application information including customer personal information and group composition condition information for the consumer loan group composition.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or may further include a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, and the present invention is not limited thereto.

In the consumer-owned group configuration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown) and the group composition server 300 The wired telephone network or the wireless telephone network to be connected may perform a function of an information registration interface for the customer to register consumer application group establishment application information including customer personal information and group configuration condition information for the predetermined consumer group configuration. have.

The storage medium 350 provided on the consumer group group composition system according to the present invention stores the data on the predetermined storage medium 350 by cooperatively processing the customer personal information and group composition condition information provided from the information registration terminal. Characterized in that, the consumer loan group establishment application information including the customer personal information, the group configuration condition information stored in the storage medium 350 is used for a predetermined consumer group composition.

The customer personal information may include at least one or more of a member ID, a name, a social security number, an address, a phone number (including a mobile number), an account number (or a virtual account number), etc. of the customer.

The group composition condition information may include the condition information for the consumer group and the condition information for the members to be included in the consumer group for the consumer group to be configured by the customer.

According to one embodiment of the present invention, the condition information for the consumer group, the number of members (for example, two or more) to form the consumer group, the purpose of group composition (for example, specific period, interest loan) Etc.), and at least one or more of the name of the consumer group.

In addition, the condition information for the members to be included in the consumer group, at least age group, gender, region, transaction period, transaction history (transaction amount, etc.), whether a particular company (or group) worked, occupation, religion, hobby, etc. It may comprise one or more.

According to one embodiment of the invention, the storage medium 350 is preferably provided on the group configuration server 300 provided on the consumer group configuration system (or associated with the consumer group configuration system). The present invention is not limited thereto.

The group composition server 300 provided on the consumption group group composition system according to the present invention is a generic term for the components on the consumer group group configuration system side connected to the information registration terminal through a predetermined network means. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the group configuration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the group configuration server 300, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol, and the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 305 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the group configuration server 300, the interface unit 305 is connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 305 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 3, the group configuration server 300 connects a communication channel with the group configuration server 300 through the interface unit 305 and then connects the communication unit 305 with the interface unit 305. The information registration terminal generates (or extracts) a predetermined user interface which inputs (or selects) and transmits to the consumer registration group establishment application information including predetermined customer personal information and group composition condition information. The interface providing unit 310 provided to the terminal and the predetermined customer personal information and group configuration condition information inputted (or selected) and transmitted from the information registration terminal through the user interface in cooperation with the interface unit 305. Consumption lender including the information receiving unit 315 for receiving the consumer loan group establishment application information, including the received customer personal information, group configuration condition information A group establishment unit 325 for opening the consumer loan group based on group establishment application information, a virtual account establishment unit 330 for opening a virtual account corresponding to the opened consumer loan group, and the opened group information; And an information storage unit 335 configured to process the virtual account information corresponding to the consumer loan group in association with the group opening application information and store the same in the predetermined storage medium 350.

The interface provider 310 connects a communication channel with the group configuration server 300 through the interface unit 305 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generates a predetermined user interface capable of inputting (or selecting) consumer-owned group opening application information including customer personal information and group composition condition information and transmitting it to the group composition server 300 through the network means, or Extract from a database (not shown), and provide the generated (or extracted) user interface to the information registration terminal through the network means in association with the interface unit 305.

Thereafter, the information registration terminal inputs (or selects) the consumer loan group establishment application information including the customer personal information and group composition condition information based on the user interface, and the input (or selected) customer personal information; The consumer loan group establishment application information including group composition condition information is transmitted to the group composition server 300 through the network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 310 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 310 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 305. desirable.

According to another embodiment of the present invention, the group configuration server 300 is inputted through the network means by inputting (or selecting) the consumer loan group establishment application information including the customer personal information and group composition condition information to the information registration terminal. When a predetermined information registration program having at least one user interface for transmitting to the information registration terminal is provided, the interface providing unit 310 for providing the user interface to the information registration terminal may be omitted, thereby limiting the present invention. Not.

When the information receiving unit 315 inputs (or selects) the consumer loan group establishment application information including the customer personal information and the group composition condition information through the user interface, the information registration terminal transmits the information through the network means. In response to the interface unit 305, the customer personal information, characterized in that for receiving the consumer loan group establishment request information including the group configuration condition information, characterized in that the validity confirmation unit Provided at 320.

The validity confirming unit 320 is characterized by checking whether the consumer loan group establishment application information including the customer personal information, group composition condition information received from the information registration terminal satisfies the validity for the predetermined consumer group configuration. .

According to the method of the present invention, the validity check, when the customer applying for the consumer loan group establishment is a customer who has already subscribed as a member, the validity check unit 320 is the customer personal information received from the information registration terminal And by comparing the member information of the customer stored in the storage medium 350, characterized in that whether or not matching.

The validity check may be performed in conjunction with the storage medium 350 to determine whether there is a group having the same group name as the group name for the consumer-subscribed group to which the customer applies.

The group establishment unit 325 receives predetermined consumption group group establishment application information through the information receiving unit 315 or validity of the received consumer group group establishment application information through the validity confirming unit 320. If it is confirmed that, based on the customer personal information, the group configuration condition information included in the consumer loan group establishment application information, characterized in that for opening a predetermined consumer group.

According to an embodiment of the present invention, the group establishment unit 325 may assign a group URL or a group name corresponding to the configured consumer group, wherein the group name of the consumer group may be referred to later by the group members (or It is desirable to be able to change it (such as a shop).

When the consumer loan group corresponding to the group establishment application information provided by the same customer is established through the group establishment unit 325, the virtual account establishment unit 330 opens a virtual account corresponding to the established consumer loan group. It is characterized by establishing.

The group virtual account opened through the virtual account opening unit 330 is for the deposit and withdrawal required in the process of performing a predetermined consumer loan transaction through the consumer loan group, the mall group virtual account is the consumer loan It is desirable to be associated with a group member's account (or virtual account), which is then used for the distribution of collections or revenue from each member.

The information storage unit 335 is the group information established in response to the consumer loan application for opening application provided by the customer through the group establishment unit 325 and the consumer loan group through the virtual account establishment unit 330 The virtual account information opened in correspondence with the group establishment application information is stored in a predetermined storage medium 350.

Referring to FIG. 3, when the consumer loan group corresponding to the consumer loan group establishment request information provided by the customer is established, the group composition server 300 displays the consumer loan group information and the group establishment request information on the web. If a predetermined customer wants to join the group through the information providing unit 340 posted on or provided to each individual member communication means and the posted or provided consortium group information and group establishment application information, the customer And a subscription processing unit 345 which processes the personal information in association with the consumer group information and subscribes to the consumer group.

The subscription processing unit 345 is provided with the group information and the group configuration condition information via the information providing unit 340 to the web or customer communication means, the predetermined customer to confirm the group information and group configuration condition information In the case of wishing to join the consumer group, the personal information of the desired customer to be subscribed is checked in response to the subscription selection (or input) of the customer who wants to join the consumer group, and the customer automatically subscribes to the consumer group. It is characterized by.

According to the exemplary embodiment of the present invention, the subscription processing unit 345 checks the account information (or virtual account information) of the consumer-subscribe group subscription customer, and performs processing in association with the consumer-group virtual account information. .

4 is a process for establishing a consumer loan group based on the application information for establishing a consumer loan group of a customer (such as a shop) according to another embodiment of the present invention, and recruiting members for the established consumer loan group to process the subscription. Figure is shown.

In more detail, FIG. 4 shows a case where the group configuration server 300 on the consumer group configuration system shown in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the group configuration server 300 and connecting a communication channel for registration of consumer loan group establishment application information including customer personal information and group configuration condition information for establishing a consumer loan group according to the present invention, the When the consumer loan group establishment request information including the customer personal information and group composition condition information is transmitted to the group organization server 300 through a communication channel, the received consumer loan group establishment request is received by the group organization server 300. Based on the information, a predetermined group of consumable lenders is established, and the information on the consumable lender group information and group composition conditions is established through the web. The process of recruiting the members of the consumer group by posting them, and those skilled in the art to which the present invention pertains, various embodiments of the present invention are referred to or modified to form a predetermined group of consumer group members. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the group configuration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc., for registering consumer loan group establishment application information including the customer personal information and group composition condition information, and connecting the predetermined communication channel. When requesting registration of the consumer loan group establishment application information including the customer personal information and group composition condition information for the consumer loan group formation of the server (400), the server registers predetermined information for registration of the consumer loan group establishment application information. Generate (or extract) a web page corresponding to an interface (405), and generate (or extract) the web page through the communication channel Easy transmission to the terminal and outputs (410).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) the consumer loan group establishment application information in the terminal.

In addition, the web page transmission or output process is preferably performed at least one or more times in accordance with the consumer loan group establishment application information procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) at least one or more pieces of customer personal information and group configuration condition information through the information registration interface (415).

If the terminal inputs (or selects) the consumer loan group establishment application information including the customer personal information and group composition condition information through the information registration interface (420), the terminal receives the input through the communication channel ( Alternatively, the selected proprietor group establishment application information is transmitted to the server (425).

According to an embodiment of the present invention, transmitting the input (or selection) of the consumer loan group establishment request information through the communication channel to the server may include establishing a consumer loan group input (or selection) through the information registration interface. The application information may be made by transmitting the electronic signature or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the consumer loan group establishment request information through the communication channel and checks the validity of the customer personal information and group composition condition information included in the consumer loan group establishment request information (430).

According to the exemplary embodiment of the present invention, checking the validity of the customer personal information and the group configuration condition information may include: when the customer personal information and the group configuration condition information are electronically signed or encrypted through a security module provided in the terminal. And decrypting the customer personal information and the group configuration condition information.

According to an embodiment of the present invention, the validity check is, if the customer is a pre-registered customer, the server is a member of the customer stored in the storage medium 350 and the customer personal information received from the information registration terminal By comparing the information, it is characterized in that the match.

If the validity of the customer personal information and group composition condition information is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits the web page to the terminal (440). Do not perform information registration procedure and group establishment procedure corresponding to information, group composition condition information.

On the other hand, if the validity of the customer personal information, group composition condition information included in the consumer loan group establishment application information is authenticated (435), the server establishes a consumer loan group based on the consumer loan group establishment application information ( 445, a virtual account corresponding to the consumer loan group is established (450).

In addition, the server associates the group establishment application information and the group virtual account information corresponding to the established consumer loan group to store in the predetermined storage medium 350 (455).

Thereafter, the server posts (or provides) group establishment application information corresponding to the established consumer loan group through the web to recruit the group members (460), and the group information and group composition condition information are posted. (Or provided), when a predetermined customer who confirms the group information and group composition condition information wishes to join the consumer-owned group, in response to the subscription selection (or input) of the desired customer of joining, By checking the personal information of the desired customer to join, the customer automatically handles the subscription to the consumer group (465).

According to the method of the present invention, the server checks the personal information of the desired customer to join, compares the confirmed subscription customer personal information with the group configuration condition information, and determines whether the customer can join, It is preferable to process the group join of the customer according to the determination result.

In addition, the server provides the subscription customer information to the consumer group establishment customer (eg, Seashop, etc.) to confirm whether or not the subscription desired customer can join from the consumer group establishment customer, and the confirmation result Therefore, it is preferable to process the subscription to the consumer group of the desired customer.

5 is a diagram illustrating a system for consuming a group for a specific group of a group according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates a group including group member information (or member information or customer personal information) in which a predetermined customer constitutes the specific consumer group transaction group through a predetermined information registration interface. If the configuration condition information is provided, the system configuration for configuring a predetermined group based on the provided group configuration condition information in the group configuration server 500 on the consumer group group configuration system, the present invention is generally Those skilled in the art will be able to infer various implementation methods for the configuration of the consumer group configuration system for the predetermined consumer group configuration by referring to or modifying the drawing 5, but the present invention provides all the implementation methods inferred It is not limited to the implementation method shown in FIG.

For example, the group composition server 500 registers group member information (or member information or customer personal information) to constitute the consumer group, and stores the member information in advance in a predetermined storage medium 540, and stores the stored group members. When applying for a consumer group subscription, the stored group member information (or member information or customer personal information) is compared with the group subscription application customer information, and a consumer group having the customer as a member may be formed according to the comparison result.

Hereinafter, the group member information (or member information or customer personal information) and the consumer group which will constitute the consumer group transaction group provided from the customer through a predetermined information registration interface on the consumer group configuration system shown in FIG. Group composition including the condition information The components corresponding to at least one or more means or functional configurations for constructing (or establishing) a specific consumer group transaction group based on the condition information are referred to as "group composition server 500" for convenience. .

According to the method of the present invention, the group composition server 500 receives the group member information (or member information or customer information) collectively to form the consumer group transaction group from the customer, and receives the group of the consumer group. Or collectively receive group member information (or member information or customer information) to form the consumer transaction group from the customer, and store them in a predetermined storage medium 540 and later join the consumer group. By comparing the customer information to be applied and the group member information (or member information or customer information) stored in the storage medium 540, at least one or more means or functional configuration for performing the consumer-subscribe group subscription processing of the customer further It is characterized by comprising.

In addition, according to an embodiment of the present invention, the group composition server 500 grants a predetermined virtual account corresponding to the configured consumer group, and accounts for the consumer group group virtual account and the group members (or virtual group). Account) and at least one or more means or functional configuration for linkage processing), in addition to other means or functional configuration within the scope of the present invention in the process of implementing the present invention without departing from the spirit of the present invention May be included.

Referring to FIG. 5 according to an embodiment of the present invention, the consumer group group configuration system for the predetermined consumer group transaction group includes a customer who registers member (or customer) information to be included in the consumer group group collectively. And an information registration terminal including at least one of a client terminal including at least one wired terminal or a wireless terminal to be used, wherein the information registration terminal comprises the consumer group configuration system through a predetermined network means. The communication channel is connected to the group configuration server 500 provided on the.

According to one embodiment of the invention, the customer is connected to the group configuration server 500 via at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, the group Entering (or selecting) group composition condition information including group member information (or member information or customer personal information) to form a predetermined consumer group transaction group through at least one user interface provided by the configuration server 500. In addition, it is preferable to transmit from the client terminal to the group configuration server 500 provided on the consumer group configuration system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and may include a desktop computer or a notebook computer connected to the TCP / IP based communication network. Notebook, or a home appliance terminal (eg, Set-Top-Box, etc.) connected to the TCP / IP-based communication network is preferably included.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or A wireless device connected to the DataTAC / Mobitex based wireless data communication network It is preferable to include at least one or more data communication terminals.

In addition, the network means for connecting the client terminal and the group configuration server 500 is a CDMA-based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication network connected to the client terminal Any one of the data communication networks, or preferably includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the group configuration server 500, and inputs or selects at least one or more information through the user interface to transmit the group configuration server 500. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the group configuration server 500, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the consumer group configuration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the group configuration server 500 or The wireless communication network may perform a function of an information registration interface for registering, by the customer, group composition condition information including group member information (or member information or customer personal information) to form the consumer group.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or may further include a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, and the present invention is not limited thereto.

In the consumer-owned group configuration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown) and the group composition server 500 The wired telephone network or the wireless telephone network to be connected performs a function of an information registration interface for registering group configuration condition information including group member information (or member information or customer personal information) for the customer to form the specific consumer group transaction group. can do.

The storage medium 540 provided on the consumer group group configuration system according to the present invention includes a group configuration condition including the group member information (or member information or customer personal information) and group condition information provided from the information registration terminal. And storing information in a predetermined storage medium 540 by linking the information. The group member information (or member information or customer personal information) and group condition information stored in the storage medium 540 may be stored in the consumer group. Used for configuration.

The group member information (or member information or customer personal information) includes a member ID, a nickname, a name, a social security number, an address, a telephone number (including a mobile number), an account number (or a virtual account number) for members to be included in the consumer group. ), At least one job name, and the like.

In addition, the group member information (or member information or customer personal information) may include age group, gender, region, transaction period, transaction history (transaction amount, etc.), whether a particular company (or group) works, occupation, religion, hobby, etc. At least one or more may be made.

The group composition condition information is a condition information for the group to be formed, the number of members (for example, two or more) to form the group, the purpose of group composition (for example, consumption loan transaction using a specific period, interest rate, amount) And at least one group).

According to another exemplary embodiment of the present invention, when the group composition condition information registration process is included in the membership registration process of the customer or in parallel with the membership registration process, the customer personal information or group composition condition information is registered by the customer. Application information may be further included.

According to another exemplary embodiment of the present invention, when the storage medium 540 is composed of a consumer loan group whose members satisfy the group configuration condition information, the consumer loan group composition detail information and the customer's subscription request are made. Information or group member information can be further linked and stored.

According to one embodiment of the invention, the storage medium 540 is preferably provided on the group configuration server 500 provided on the consumer group configuration system (or associated with the consumer group configuration system). The present invention is not limited thereto.

The group composition server 500 provided on the consumer group group composition system according to the present invention is a generic term for the components of the consumer group group configuration system connected to the information registration terminal through a predetermined network means, and includes at least one or more components. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the group composition server 500 is characterized in that it comprises an interface unit 505 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 505 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 505 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the group configuration server 500, the interface unit 505 connects a communication channel with the client terminal based on the TCP / IP protocol, and the communication Provides communication interface for transmitting and receiving information (or data) using communication protocol defined in program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 505 may be configured based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 505 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the group configuration server 500, the interface unit 505 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 505 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 505 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 5, the group configuration server 500 connects a communication channel with the group configuration server 500 through the interface unit 505 after a predetermined information registration terminal is connected to the interface unit 505. And a predetermined user interface for inputting (or selecting) group composition condition information including group member information (or member information or customer personal information) to form a predetermined consumption-based transaction group in the information registration terminal. An interface providing unit 510 which generates (or extracts) and provides the information registration terminal to the information registration terminal and a predetermined input (or selection) transmitted by the information registration terminal through the user interface in conjunction with the interface unit 505. The number of pieces of information that receives group composition condition information, including group member information (or member information or customer personal information), which will form a consumer-traded transaction group. The unit 515 and the group configuration condition information including the group member information (or member information or customer personal information) to form the predetermined consumer group transaction group is stored in the predetermined storage medium 540 by cooperative processing. And an information storage unit 525.

The interface providing unit 510 connects a communication channel with the group configuration server 500 through the interface unit 505 and then corresponds to the functional configuration provided in the information registration terminal. Predetermined that can input (or select) group composition condition information including group member information (or member information or customer personal information) to form a consumer group transaction group, and transmit it to the group composition server 500 through the network means. Generating a user interface or extracting from a predetermined database (not shown) and providing the generated (or extracted) user interface to the information registration terminal through the network means in association with the interface unit 505. It is characterized by.

Thereafter, the information registration terminal inputs (or selects) group composition condition information including group member information (or member information or customer personal information) to form a predetermined consumption-based transaction group based on the user interface. The input (or selected) group composition condition information is transmitted to the group composition server 500 through the network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 510 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 510 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 510 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 505. desirable.

According to another embodiment of the present invention, a predetermined device having at least one user interface for inputting (or selecting) the group configuration condition information to the information registration terminal and transmitting the group configuration condition information to the group configuration server 500 through the network means. When the information registration program is provided, the interface providing unit 510 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 515 inputs (or selects) group composition condition information through the user interface at the information registration terminal and transmits the group composition condition information through the network means. And receiving the received group configuration condition information to the validity confirming unit 520.

The validity confirming unit 520 is configured to check whether the group configuration condition information received from the information registration terminal satisfies the validity for the predetermined consumption-based transaction group configuration.

According to the embodiment of the present invention, the validity check, when the customer is a customer who has already subscribed as a member, the validity check unit 520 is the customer personal information received from the information registration terminal and the storage medium 540 Comparing the member information of the customer stored in the, characterized in that to confirm the match.

The information storage unit 525 stores group configuration condition information including group member information (or member information or customer personal information) to constitute the specific consumer group in the storage medium 540. When the storage medium 540 is provided in the group configuration server 500 or on a network associated with the group configuration server 500, the information storage unit 525 stores the received consumer group. It is preferable to store the group configuration condition information including the group member information (or member information or customer personal information) to be configured in the storage medium 540.

Referring to FIG. 5, the group composition server 500 may include group member information (or member information or customer personal information) that will constitute the received consumer group transaction group (or stored in the storage medium 540). A group constructing unit 530 for constructing (or establishing) a predetermined group based on group composition condition information, and a virtual account establishing unit 535 for establishing a virtual account corresponding to the configured (or establishing) group. Characterized in that made.

According to an embodiment of the present invention, the group composition unit 530 may include group member information (or member information or information) to form a consumer group transaction group included in the group composition condition information collectively transmitted from the group establishment request customer. A group corresponding to the group configuration condition information based on the customer personal information).

According to another exemplary embodiment of the present invention, group member information (or member information or customer personal information) to form a consumer group transaction group included in the group composition condition information collectively transmitted from the group establishment request customer is provided. A group stored in the storage medium 540 when the customer requests to join the group stored in the storage medium 540 and corresponding to group member information (or member information or customer personal information) stored in the storage medium 540. The group member may be configured by comparing member information (or member information or customer personal information) with the group subscription request customer information.

The virtual account opening unit 535 may open a virtual account corresponding to the configured consumer loan group when the consumer loan group is configured through the group configuration unit 530.

According to the embodiment of the present invention, the group virtual account opened through the virtual account opening unit 535 is characterized in that for the deposit and withdrawal required in the process of performing a predetermined consumer loan transaction through the group, mall group The virtual account is preferably associated with the group member's account (or virtual account), and is used for distribution of the collection or profit from each member (or member account).

FIG. 6 is a diagram illustrating a process of forming a consumer group in which predetermined customers collectively provide a plurality of pieces of customer information to be included in a group according to an embodiment of the present invention.

In more detail, in FIG. 6, the group configuration server 500 on the consumer group configuration system shown in FIG. 5 has a web server function to which a client terminal can be connected through a predetermined network means, and the client terminal is connected to the group. Communication for registration of group configuration condition information including group member information (or member information or customer personal information) for constituting the consumer group transaction group in order to configure the consumer group according to the present invention by accessing the configuration server 500. After connecting the channel, if the group configuration condition information including group member information (or member information or customer personal information) to form the consumer group transaction group to the group composition server 500 through the communication channel, Group member information (or member information or customer included in the group configuration condition information received by the group configuration server 500) As a person having ordinary knowledge in the technical field to which the present invention pertains, various implementations of constructing a specific consumer group trading group by referring to or modifying the present invention are referred to. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the client terminal shown in FIG. 5 will be referred to as "terminal" for convenience, and the group configuration server 500 shown in FIG.

Referring to Figure 6, the client terminal shown in Figure 5 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A network for accessing the server through a communication network or an IEEE 802.16x-based mobile Internet), connecting a predetermined communication channel for registering the customer personal information and group composition condition information, and forming the predetermined consumer group transaction group. When requesting registration of group composition condition information including member information (or member information or customer personal information) (600), the server generates a web page corresponding to a predetermined information registration interface for registering the group composition condition information ( Or (605), and transmits and outputs the generated (or extracted) web page to the terminal through the communication channel (610).

According to an embodiment of the present invention, the information registration interface inputs (or selects) group composition condition information including group member information (or member information or customer personal information) to form the predetermined consumer group transaction group in the terminal. It is desirable to include a user interface).

In addition, the web page transmission or output process is preferably performed at least once according to the group configuration condition information registration procedure including group member information (or member information or customer personal information) to form the predetermined consumer group. The present invention is not limited thereby.

Thereafter, the terminal inputs (or selects) group configuration condition information including group member information (or member information or customer personal information) to form a predetermined consumer group through the information registration interface (615).

If the terminal configuration condition information including group member information (or member information or customer personal information) to form the predetermined consumer group through the information registration interface is input (or selected) in the terminal (620), The terminal transmits the input (or selected) group configuration condition information to the server through the communication channel (625).

According to an exemplary embodiment of the present invention, transmitting the input (or selection) group configuration condition information to the server through the communication channel may include the input of the group configuration condition information (or selection) input through the information registration interface. The method may further include transmitting the electronic signature or encryption to the server through a security module provided in the terminal.

Thereafter, the server receives and reads the group composition condition information through the communication channel to check the validity of the group member information (or member information or customer personal information) and the group condition information included in the group composition condition information. (630).

According to an embodiment of the present invention, checking the validity of the group configuration condition information may include decrypting the group configuration condition information when the group configuration condition information is electronically signed or encrypted through a security module provided in the terminal. It can be made further comprising.

According to the exemplary embodiment of the present invention, the validity check is performed when the customer corresponding to the group member information (or member information or customer personal information) included in the group configuration condition information is a customer who has already subscribed as a member. The group member information (or member information or customer personal information) included in the group configuration condition information received from the information registration terminal is compared with the customer member information previously stored in the storage medium 540 to check whether there is a match. It is done.

If the validity of the customer personal information and group composition condition information is not authenticated (635), the server generates a web page including predetermined information registration error and group establishment error information and transmits it to the terminal (640). However, the information registration procedure and the group configuration procedure corresponding to the group configuration condition information are not performed.

On the other hand, if the validity of the group configuration condition information is authenticated (635), the server based on the customer information (or member information) included in the group configuration condition information for the consumer group for the consumer (or members) After the subscription processing is performed, a consumer loan group having the customer (or member) is established (645), a virtual account corresponding to the opened consumer loan group is assigned (650), and the group virtual account information The consumer group information and the group member information are cooperatively processed and stored in a predetermined storage medium 540 (655).

Thereafter, the server generates (or extracts) a web page including the information registration and group configuration history information and transmits the generated web page to the terminal (660).

7 is a diagram illustrating a configuration of a consumer information registration system for consumer loan transactions according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates that when a given consumer borrower customer provides customer information for consumption loan transaction and consumption loan transaction condition information to the information registration system through a predetermined information registration interface, an information registration server (not shown) on the information registration system ( The present invention relates to a system configuration for linking and processing the provided customer information and consumer loan transaction condition information in a predetermined storage medium 730 in the case of those skilled in the art. 7 may be inferred from various implementation methods for the configuration of the consumer information registration system for the consumer loan transaction by referring to or modified, but the present invention includes all the implementation methods inferred above, the embodiment shown in FIG. It is not limited to only.

Hereinafter, on the consumer information registration system shown in FIG. 7, the customer information provided from the consumer customer and the loan condition information of the consumer are stored in the storage medium 730 through a predetermined information registration interface. Components corresponding to at least one or more means or functional configurations are referred to as " information registration server 700 " for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, a consumer information registration system for a consumer loan transaction includes at least one client terminal including at least one wired terminal or a wireless terminal used by the consumer customer. And an information registration terminal including the information registration terminal, wherein the information registration terminal is connected to a communication channel with an information registration server 700 provided on the consumer information registration system through a predetermined network means.

According to an exemplary embodiment of the present invention, the consumer may access the information registration server 700 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. When inputting (or selecting) the customer information for the consumer loan transaction and the consumer loan transaction condition information through at least one user interface provided by the information registration server 700, the client terminal receives a predetermined network means. It is preferable to transmit to the information registration server 700 provided on the information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or at least one home appliance terminal (eg, Set-Top-Box, etc.) connected to the TCP / IP-based communication network.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

The network means for connecting the client terminal and the information registration server 700 may be a CDMA based mobile communication network, an IEEE 802.16x based mobile Internet, or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. Any one of the data communication networks, or preferably includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 700, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 700. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 700) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the consuming customer, and at least one wired communication network connecting the client terminal and the information registration server 700 or The wireless communication network may perform a function of an information registration interface for the consumer borrower customer to register customer information and consumer loan transaction condition information for the consumer loan transaction.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or may further include a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, and the present invention is not limited thereto.

In the information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) are connected to the information registration server 700. The wired telephone network or the wireless telephone network may perform a function of an information registration interface for the consumer borrower customer to register customer information and consumer loan transaction condition information for the predetermined consumer loan transaction.

The storage medium 730 provided on the information registration system according to the present invention is characterized in that the customer information provided from the information registration terminal, consumer loan transaction condition information is processed in association with the predetermined storage medium 730 to store. The customer information stored in the storage medium 730 and the loan balance transaction condition information may be consumed with the consumer loan group configured (or established) through the group configuration system shown in FIG. 1 or 3 or 3. It is used for loan transactions.

The consumer information may include at least one member ID, name, social security number, address, telephone number (including mobile number), account number (or virtual account number) of the customer.

The consumer loan transaction condition information may include at least one transaction period information, a transaction interest rate information, and a transaction amount limit information for a consumer loan transaction.

According to an embodiment of the present invention, the storage medium 730 is preferably provided on the information registration server 700 provided on the information registration system (or associated with the information registration system). The present invention is not limited by this.

The information registration server 700 provided on the information registration system according to the present invention is a generic term for the information registration system-side components connected to the information registration terminal through a predetermined network means, and includes at least one server (or device). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 700 is characterized by comprising an interface unit 705 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 705 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 700, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol, and the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 705 may be configured based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 705 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 700, the interface unit 705 is connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 705 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 705 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 7, the information registration server 700 connects a communication channel with the information registration server 700 through the interface unit 705 and then connects the communication unit 705 with the interface unit 705. Interface providing unit 710 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined customer information and consumption balance transaction condition information from the information registration terminal to the information registration terminal. And an information receiving unit 715 for receiving predetermined customer information and consumption balance transaction condition information inputted (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 705; And an information storage unit 725 for storing the received customer information and consumption transaction transaction condition information in a predetermined storage medium 730. do.

The interface providing unit 710 connects a communication channel with the information registration server 700 through the interface unit 705 after the predetermined information registration terminal corresponds to the functional configuration provided in the information registration terminal. Create a predetermined user interface that can input (or select) customer information and consumption transaction terms and conditions to the information registration server 700 through the network means, or extract from a predetermined database (not shown). And providing the generated (or extracted) user interface to the information registration terminal through the network means in association with the interface unit 705.

Thereafter, the information registration terminal inputs (or selects) the customer information and consumption loan transaction condition information based on the user interface, and inputs the (or selected) customer information and consumption loan transaction condition information through the network. It transmits to the information registration server 700.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 710 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 710 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 710 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 705. desirable.

According to another embodiment of the present invention at least one or more user interface for inputting (or selecting) the customer information, consumer loan transaction conditions information to the information registration terminal via the network means to the information registration server 700 When a predetermined information registration program is provided, the interface providing unit 710 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 715 inputs (or selects) customer information and consumption loan transaction condition information through the user interface through the user interface, and transmits the information through the network means. Characterized in that it receives customer information, consumption loan transaction condition information, and provides the received customer information, consumption loan transaction condition information to the validity verification unit 720.

The validity confirming unit 720 is characterized in that the customer information received from the information registration terminal, the balance of payment terms and conditions of the consumer satisfies the validity for the balance of consumption with the consumer group.

According to the method of the present invention, the validity check, when the consumer is a customer that the customer already subscribed as a member, the validation unit 720 is the customer information received from the information registration terminal and the storage medium 730 By comparing the member information of the customer stored in the), it is characterized in that whether or not matching.

The information storage unit 725 stores the information on the storage medium 730 by cooperatively processing the customer information and the consumption balance transaction condition information, and the storage medium 730 is stored in the information registration server 700. If provided, or provided on the network associated with the information registration server 700, the information storage unit 725 to the storage medium 730 by processing the received customer information and the consumption transaction conditions information in association It is desirable to store.

8 is a diagram illustrating a process of registering borrower information for a consumer loan transaction according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates a case where the information registration server 700 on the information registration system shown in FIG. 7 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 700 and connecting a communication channel for registering customer information, consumption loan transaction condition information for consumption loan transaction with the consumer loan group according to the present invention, the information registration server through the communication channel When the customer information and the consumption balance transaction condition information are transmitted to the 700, the information registration server 700 stores the data on the predetermined storage medium 730 by cooperatively processing the received customer information and consumption balance transaction condition information. As for the process, one of ordinary skill in the art to which the present invention pertains can refer to or modify this drawing 8, Various implementation methods for registering non-dwelling information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the client terminal shown in FIG. 7 is referred to as "terminal" for convenience, and the information registration server 700 shown in FIG. 7 is called "server" for convenience.

Referring to FIG. 8, the client terminal illustrated in FIG. 7 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). A predetermined communication channel for accessing the server through the communication network or the IEEE 802.16x-based portable Internet, and the like to register the customer information and the consumption balance transaction condition information, and the customer information for the predetermined consumption balance transaction. When requesting to register consumption loan transaction condition information (800), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the customer personal information and group composition condition information (805), The generated (or extracted) web page is transmitted to the terminal and output through the communication channel (810).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) the customer information and consumption transaction transaction information in the terminal.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the customer information, consumer loan transaction condition information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) at least one or more customer information and consumption loan transaction condition information through the information registration interface (815).

If the customer information and consumption loan transaction condition information are input (or selected) through the information registration interface in the terminal (820), the terminal receives the customer information and consumption loan through the communication channel. The transaction condition information is transmitted to the server (825).

According to an embodiment of the present invention, transmitting the input (or selected) customer information and consumption loan transaction condition information to the server through the communication channel, the customer information input (or selected) through the information registration interface. The electronic device may further include electronically signing or encrypting the consumption loan transaction condition information through a security module provided in the terminal, and transmitting the same to the server.

Thereafter, the server receives and reads the customer information and consumption loan transaction condition information through the communication channel to check the validity of the customer information and consumption loan transaction condition information (830).

According to an exemplary embodiment of the present invention, the validity of the customer information and the consumption loan transaction condition information may be determined when the customer information and the consumption loan transaction condition information are electronically signed or encrypted through a security module provided in the terminal. It may further comprise decoding the customer information, consumption loan transaction condition information.

According to the method of the present invention, the validity check, when the customer is a customer who has already subscribed as a member, the server receives the customer information received from the information registration terminal and the member information of the customer stored in the storage medium 730 By comparing the, it is characterized by checking whether the match.

If the validity of the customer information and consumption loan transaction condition information is not authenticated (835), the server generates a web page including predetermined information registration error information and transmits the webpage to the terminal (840). However, the information registration procedure for consumption loan transaction condition information is not performed.

On the other hand, when the validity of the customer information and the consumption loan transaction condition information is authenticated (835), the server performs the information registration procedure corresponding to the customer information and the consumption loan transaction condition information, so that the customer information and the consumption loan transaction condition The information is linked and stored in a predetermined storage medium 730 (845).

Thereafter, the server generates (or extracts) a web page including the information registration history information and transmits the generated web page to the terminal (850).

9 is a diagram showing a consumer loan transaction system based on a consumer loan transaction condition according to one embodiment of the present invention.

In more detail, in FIG. 9, a consumer group corresponding to specific consumption loan transaction condition information is formed through the group configuration system shown in FIG. 1 or 3 or 5, and the information registration system shown in FIG. When at least one consumer loan customer is registered with consumption loan transaction condition information for a consumer loan transaction, comparing the consumption loan transaction condition information of the registered consumer customer with the consumption loan transaction condition information of the consumer loan group, The present invention relates to a consumer loan transaction system for performing a consumer loan transaction between a consumer loan group to which consumer loan transaction condition information is matched and at least one consumer loan customer, and a person of ordinary skill in the art to which the present invention belongs. By referring to or modifying Figure 9, at least the consumer loan group to which the consumer loan transaction condition information is matched. Various implementation methods for the configuration of a consumer loan transaction system for consumer loan transactions between one or more consumer customers may be inferred, but the present invention includes all the implementation methods inferred from above, and only with the implementation method shown in FIG. It is not limited.

Hereinafter, the consumption balance transaction condition information between at least one consumer borrower customer corresponding to the consumption balance transaction condition information of a specific consumption balance group stored in a predetermined storage medium 930 on the consumption balance transaction system illustrated in FIG. 9. A component corresponding to at least one or more means or functional configurations for performing a consumer loan transaction is referred to as a "consumption loan transaction server 900" for convenience.

In addition, in FIG. 9, the consumption balance transaction server 900 includes a function configuration corresponding to the means or function configuration, but this is to explain the consumption balance transaction system more clearly. Do not. For example, at least one or more functional components provided in the consumer loan transaction server 900 may be configured as respective servers (or means) in a network associated with the consumer loan transaction system.

Referring to FIG. 9 according to an embodiment of the present invention, a consumer loan transaction system for a consumer loan transaction includes a storage medium storing specific consumer loan group information and consumer loan transaction condition information corresponding to the consumer loan group. It characterized in that it comprises a 930, wherein the storage medium 930 is provided in the consumer loan transaction server 900, or on the consumer loan transaction system equipped with the consumer loan transaction server 900. Or on a network associated with the consumer loan transaction system.

The consumer loan transaction server 900 provided on the consumer loan transaction system according to the present invention includes at least one server (or device) or is recorded on a recording medium provided in a predetermined server (or device). It may be implemented in at least one or more programs, whereby the present invention is not limited.

Referring to FIG. 9, the consumer loan transaction server 900 compares the consumer loan transaction condition information of the consumer loan group stored in the storage medium 930 with the consumer loan transaction condition information registered by at least one consumer loan customer. An information comparing unit 905 and an information processing unit 910 for processing consumption loan transactions between at least one consumer customer and at least one consumer loan group matching the consumer loan transaction conditions of the consumer loan group; Characterized in that made.

The information comparison unit 905 comprises a consumer loan group corresponding to specific consumption loan transaction condition information through the group configuration system shown in FIG. 1 or 3 or 5, wherein the consumer loan group and the consumer loan transaction condition When the information is stored in a predetermined storage medium 930, and at least one consumer loan transaction condition information for the consumer loan transaction is registered through the information registration system shown in FIG. It is characterized in that the customer's consumer loan transaction condition information and the consumer loan transaction condition information of the consumer loan group.

When the information processing unit 910 identifies the consumer customers who match (or match) the consumption loan transaction condition information of the consumer loan group through the information comparison unit 905, the consumer customers and the consumer group It is characterized by processing the inter-consumption loan transaction.

According to the implementation method of the present invention, the information processing unit 910 according to the consumer loan transaction period information and transaction interest rate information specified in the consumer loan transaction condition information, the transaction amount limit information, the consumer loan group (or Withdraw the loan amount of the transaction from the account (or virtual account) opened in the name of the consumer-owner group representative, and deposit the money into the account (or virtual account) opened in the name of the consumer- borrower group (or consumer borrower group) It is characterized by.

Referring to FIG. 9, when the consumer loan transaction server 900 matches the consumer loan transaction condition information of the consumer loan group through the information comparison unit 905, the consumer borrower customers are identified. It may be configured to further include an information transmission unit 915 for transmitting the confirmed consumer information to the consumer group (or representative group of the consumer group) terminal or communication means.

Here, the communication means may include an e-mail, a text message of a mobile phone, an ARS message, a bulletin board, a messenger, etc. of a homepage (or a blog or a cafe).

According to an exemplary embodiment of the present invention, the information transmitting unit 915 may identify, through the information comparing unit 905, the borrower customers who match (or conform to) the loan condition conditions of the consumer group. Before or after the consumption loan transaction corresponding to the consumer loan transaction conditions between the consumer loan group and the at least one consumer loan customer through the information processing unit 910, or in the process of performing the consumer loan group (or consumption) Consumer loan transaction initiation information) and the borrower customer communication means.

Here, the consumer loan transaction initiation information may include information for requesting the consent of the consumer loan group or the consumer borrower customer for the consumer loan transaction initiation.

Referring to FIG. 9, when the consumer loan transaction is performed corresponding to the consumer loan transaction condition between the consumer loan group and the at least one consumer loan customer through the information processing unit 910, It may be configured to further include an information storage unit 925 for processing the consumption loan transaction details in association with the consumer loan group information and the consumer borrower customer information to store in a predetermined storage medium 930.

In addition, referring to Figure 9, the consumer loan transaction server 900 after the consumer loan transaction corresponding to the consumer loan transaction conditions between the consumer loan group and at least one consumer loan customer is performed, for the consumer loan transaction When a predetermined profit (eg, interest, etc.) is generated, it may be configured to further include a profit sharing unit 920 for allocating the generated interest to the consumer group members.

Here, the profit sharing unit 920, by identifying the ratio of the amount of money participating in the consumption balance transaction between the groups of the group, the consumer group, characterized in that the distribution of the generated revenue in accordance with the participation amount ratio.

FIG. 10 is a diagram illustrating a consumer loan transaction process corresponding to a consumer loan transaction condition of a consumer loan group according to another exemplary embodiment of the present invention.

In more detail, in FIG. 10, a consumer group corresponding to specific consumption loan transaction condition information is formed through the group configuration system shown in FIG. 1 or 3 or 5, and the information registration system shown in FIG. When at least one consumer loan customer is registered with consumption loan transaction condition information for a consumer loan transaction, comparing the consumption loan transaction condition information of the registered consumer customer with the consumption loan transaction condition information of the consumer loan group, Concerning the process of carrying out a consumer loan transaction between the consumer group and the at least one consumer loan customer whose consumer loan transaction condition information is matched, those skilled in the art to which the present invention pertains, refer to FIG. 10. Or modify the consumption loan group and at least one consumption difference to which the consumption balance transaction condition information is matched. Would be able to infer a variety of exemplary methods for the customer between the consumer lending process, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 10.

Hereinafter, the consumption balance transaction server 900 shown in FIG. 9 in FIG. 10 will be referred to as "server" for convenience.

Referring to FIG. 10, a consumer loan group corresponding to specific consumption loan transaction condition information is formed through the group configuration system illustrated in FIG. 1 or 3 or 5, and corresponds to the consumer loan group and the consumer loan group. After the consumer loan transaction condition information is stored in the predetermined storage medium 930, at least one consumer loan customer registers the consumer loan transaction condition information for the consumer loan transaction through the information registration system shown in FIG. The consumption loan transaction condition information corresponding to the consumer loan group and the consumption loan transaction condition information of the consumer borrower customer are compared (1000).

If at least one consumer customer corresponding to (or matching) the consumer loan transaction condition information of the consumer loan group is identified (1005), the server provides the consumer loan from the consumer loan group account (or virtual account). Withdraw the consumption loan transaction amount corresponding to the transaction condition information (1010), deposit the withdrawal consumption loan transaction amount into the consumer borrower customer account (or virtual account) (1015), and the consumption loan transaction details information The data is stored in a predetermined storage medium 930 in association with the consumer group information (or members of the consumer group group) and the consumer customer information.

Here, the consumer group account (or virtual account) may include an account (or virtual account) opened in the name of the members of the consumer group.

According to another exemplary embodiment of the present invention, the server checks the consumption borrower customer matching the consumption loan transaction condition information of the consumer loan group, and the consumer loan corresponding to the consumer loan transaction condition between the consumer loan group and the consumer borrower customer. Before or after the transaction is performed, or during the process, the consumption transaction transaction start information may be transmitted to the consumer group (or representative member of the consumer group) and the consumer customer communication means.

Here, the consumer loan transaction initiation information may include information for requesting consent of the consumer loan group for initiation of the consumer loan transaction.

Thereafter, in response to the consumption loan transaction condition information, the server confirms the consumption loan transaction amount repayment and the interest amount (1020), and distributes the identified interest income to the consumption loan group member at a predetermined ratio (1025). .

According to the method of the present invention, the server checks the amount of money (or value corresponding to the amount of money) provided by the member group of the consumer to the consumption loan transaction amount, and the interest income and the like are correspondingly corresponding to the consumption loan transaction amount. Deposits can be made to the lender group member account (or virtual account).

According to the present invention, an individual who does not have knowledge (or information) about a consumer loan transaction by constructing a consumer loan group and automatically executing a consumer loan transaction on the money (or points) of the group members in the consumer loan group. It also has the advantage of being able to participate in consumer loan transactions.

Claims (9)

An information storing step of concatenating the consumption loan transaction condition information of the predetermined consumption group by the predetermined information storage means and the consumption group information and the group member information in a predetermined storage medium; An information comparing step of comparing consumption loan transaction condition information registered by predetermined borrowing customers in predetermined information comparing means with consumption loan transaction condition information previously stored in the storage medium; And an information processing step of relaying the consumer loan transaction between the consumer borrower customers and the consumer loan group whose consumer loan transaction conditions are matched in response to the comparison result in a predetermined information processing means. Relay processing method. The method of claim 1, wherein the information processing step, Withdraw the amount of the loan balance from the account (or the virtual account) opened in the name of the consumer group (or group members or group representatives), so that the account opened in the name of the customer of the borrower's customers whose conditions are matched Processing the deposit to account); And linking the consumer loan transaction condition information, the consumer loan transaction detail information, the consumer loan group (or group member) information, and the consumer loan customer information to a predetermined storage medium. How to handle consumption loan transactions. The method of claim 1, wherein the consumer loan transaction condition information, And at least one transaction period information, a transaction interest rate information, a transaction amount limit information, and at least one credit rating information of a consumer borrower customer for a consumer loan transaction. The method of claim 1, wherein the consumer loan transaction, Consumption balance transaction relay processing method characterized in that the consumption balance transaction using cash or points. A recording medium which records a program for executing the method of claim 1. Information storage means for storing consumption loan transaction condition information for each consumer group in a predetermined storage medium; Information comparing means for comparing consumption loan transaction condition information registered by consumer borrower customers with consumption loan transaction condition information previously stored in the storage medium; And information processing means for relaying the consumer loan transaction between the consumer borrower customers and the consumer loan group in which the consumer loan transaction conditions match, in response to the comparison result. The method of claim 6, Open a consumer loan group by automatically grouping the customers with the same consumer loan transaction into a single group, or And a group establishment means for establishing a group in response to a request of a specific consumer loan customer or a plurality of consumer loan customers that propose a specific consumer loan transaction condition. The method of claim 6, And a profit distribution means for allocating the generated profit to the members of the consumer group when the revenue corresponding to the consumer loan transaction is generated. The method of claim 6, wherein each of the means, On a single server, or Consumption balance transaction relay processing system, characterized in that provided in a plurality of servers.

Images