KR20090078431A - Method for lending and borrowing in money by using point - Google Patents

Abstract

A money loan method using points is provided to expect activation of service usage, as well as a remarkable increase of utility of the points. From a point money creditor client's terminal(145), a server(100) which conducts money transferring based on money debt and credit condition information inputs or selects point usage information of the money creditor client, the money debt and credit condition information, and money transferring information to be provided to a money debtor. The information is stored in a predetermined storage medium(140). The money transferring information and the money debt and credit condition information are provided to the point money creditor client's terminal. The point money creditor client subtracts points corresponding to point usage information and changes the points into money. The money is transferred to a virtual account of the money debtor client.

Description

Method for Lending and Borrowing in Money by Using Point}

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

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

3 is a simplified illustration of an information data file according to a preferred embodiment of the present invention.

4 is a simplified conceptual diagram of a borrowing process using points in accordance with a preferred embodiment of the present invention.

5 is a simple flow diagram for the process of borrowing money using points in accordance with a preferred embodiment of the present invention.

Figure 6 is a simplified illustration of the money consumption loan agreement information input or selection page according to a preferred embodiment of the present invention.

FIG. 7 is a simplified illustration of a page where a money consumption borrower client inputs or selects commitment information on money consumption loan condition information according to a preferred embodiment of the present invention.

8 is a simple flowchart of the process of borrowing money using points according to a preferred embodiment of the present invention.

9 is a diagram illustrating a page for repaying a loan amount according to money consumption loan condition information by a money consumption borrowing client according to a preferred embodiment of the present invention.

10 is a simplified conceptual diagram of a borrowing process using points in accordance with another preferred embodiment of the present invention.

11 is a simple flowchart of a borrowing process using points in accordance with another preferred embodiment of the present invention.

FIG. 12 illustrates a process of calculating point information generated by the server in connection with the point server in performing a loan using points according to an embodiment of the present invention.

FIG. 13 illustrates a process of calculating transfer amount information generated in the server in connection with the point server in performing a loan using points according to another embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: information receiver

106: virtual account processing unit 107: point processing unit

110: user authentication unit 115: fund transfer unit

117: information confirmation unit 120: management unit

123: settlement processing unit 125: storage unit

130: receipt processing unit 135: interest amount calculation unit

140: storage medium

145: Point to client client terminal

150: the consumer terminal client 155: point server

160: points D / B 165: members D / B

According to the present invention, a second step of receiving or selecting predetermined money consumption loan condition information from the consumer loan client terminal when the server accesses the money consumption borrower client terminal, and a money consumption loan corresponding to the money consumption loan condition information at the server; A third step of confirming client holding point information (or amount information corresponding to the point), and the server confirms information of the money spending lender client with respect to the money consumption loan condition information in association with the money lending client terminal; A fourth step of receiving a deposit; and a fifth step of depositing the money corresponding to the money lender client holding point at the server into the money lender client virtual account; and depositing the money lender client virtual account at the server. Amount of money to the borrower client The present invention relates to a method of borrowing money using a point comprising a sixth step of transferring to an upper account.

Today, service providers are using the service to provide benefits to clients who use certain services.In the event of the purchase of goods, the cash back points, mileage points, gift certificates, etc. Points are provided to clients in various forms and types, allowing them to earn and receive benefits.

However, in many cases, the points earned in this way is a reality that the client cannot properly utilize, and most of the time only to accumulate various types of points and do not consider further utilization.

In addition, a loan for money consumption is established by a commitment by the consumer to transfer a certain amount of money to the borrower, and the consumer borrower is promised to return the transferred money, and the loan is a lease that returns the object itself. Unlikely, it is common for the Borrower to take ownership of the object and consume it and then return another object.

However, the current consumer loan is prepared by handwriting between the consumer loan and the money consumer loan, and only the manner in which the transferred money is transferred directly to the consumer loan or deposited into the real account of the consumer money borrower. Is present, and therefore, even when it is repaid, when a predetermined interest amount for the consumption loan is added, it is troublesome to calculate the interest amount.

An object of the present invention for solving the above problems is a second step of receiving or selecting predetermined money consumption loan condition information from the consumer client terminal when accessing the money consumption client terminal in the server, and the money consumption in the server; A third step of confirming the money consumption loan client holding point information (or the amount information corresponding to the point) corresponding to the loan condition information; and in connection with the money consumption loan client terminal in the server, A fourth step of receiving the confirmation information of the money lender client for the money; and a fifth step of depositing the amount corresponding to the money lender client holding point in the server into the money lender client virtual account; Gold deposited in the client's virtual account The money is borrowed method using a point to a sixth step of transferring processing in the cash consumption borrower to provide the client virtual account.

The method for borrowing money using points according to the present invention includes a second step of receiving or selecting predetermined money consuming loan condition information from the consuming client terminal when accessing the consuming client terminal from the server, and consuming the money at the server. A third step of confirming the money consumption lender client holding point information (or the amount information corresponding to the points) corresponding to the loan condition information; and in connection with the money lending client terminal at the server, the money consumption loan condition information A fourth step of receiving commitment information of the money lender client for the second step; and a fifth step of depositing an amount corresponding to the money lender client holding point in the server into the money lender client virtual account and the server; Deposited to the client's virtual account And a sixth step of transferring the amount of money to the borrower's client virtual account.

According to the present invention, the method for borrowing money using the points further comprises granting a virtual account for borrowing money using points to a predetermined money-consuming borrower client and a predetermined money-consuming loan client at the server. It is done.

According to the present invention, any one of the first step to the second step, characterized in that the server further comprises the step of verifying the official certificate of the consumer or client is provided with an electronic signature.

According to the invention, the third step, characterized in that the server further comprises the step of verifying the authorized certificate of the client or the consumer provided with an electronic signature.

According to the present invention, the third step may further include providing the money consumption loan condition information from the server to the money consumption client terminal.

According to the present invention, the third step may further include providing money consumption loan condition information to the money consumption client terminal when the server is connected to the money consumption client terminal.

According to the present invention, the confirmation information of the money lender client includes information that the money lender client agrees to the money lending condition.

According to an embodiment of the present disclosure, the fifth step may include: storing, in the storage medium, the money consumption loan condition information in association with the authorized client or the electronic signature information of the loan client and the money borrowing client; It is characterized in that it further comprises.

According to the present invention, a method of borrowing money using the point is based on a predetermined interest rate corresponding to the money consumption loan condition at the server after a certain period of time after transferring the money to the money consumption borrower client virtual account. And a seventh step of automatically calculating an interest amount, and adding the calculated interest amount to the borrowed amount by the server.

According to the present invention, a method of borrowing money using the point is based on a predetermined interest rate corresponding to the money consumption loan condition at the server after a predetermined period of time after transferring the money to the money consumer client virtual account. And automatically calculating an interest amount and providing the calculated interest amount information to the money borrowing client or the money lending client.

According to the present invention, the method of borrowing money using the points, after transferring the money to the consumer borrower client virtual account, after a certain period of time, the server checks the money repayment period corresponding to the money consumption loan conditions And notifying the cash consumption borrowing client or the money consumption lending client of the check result of the money repayment period at the server.

According to the present invention, the money consumption loan condition information is characterized in that it comprises any one or more of the information contained in the loan certificate or money loan agreement information.

According to the present invention, the money consumption loan condition information may include at least one or more of identification information for borrowing money, borrowing amount information, borrowing date information, repayment period information, interest rate information for the borrowing amount, overdue interest rate information, and guarantor information. Characterized in that.

According to the present invention, the money consumer loan client and the money consumer loan client, characterized in that the individual or company or group or group.

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

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

In addition, in describing the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

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

Referring to FIG. 1, a system for borrowing money using points according to an embodiment of the present invention includes a money consumption borrowing client terminal 150 borrowing a predetermined amount of money and a point held by the point spending lending client. The point-consuming client terminal 145 and the money-consuming client terminal 150 for transferring money corresponding to the point to a virtual account using points of interest (eg, cashback points, mileage, electronic money, gift certificates, etc.). And the server 100 for relaying the money loan between the point-consuming client loan client terminal 145 and the money-consuming owner client corresponding to the money-consuming client information in connection with the server 100. Point server 155 can be configured to include.

In addition, a system for borrowing money using points according to another embodiment of the present invention corresponds to the points using predetermined points (eg, cashback points, mileage, electronic money, gift certificates, etc.) held by the point-consuming client. You can also transfer money to a real account.

In more detail, according to an exemplary embodiment of the present invention, when the server 100 confirms the confirmation information of the point spending lender client borrowing a predetermined amount of money, the server 100 is associated with the point server 155. By checking the points paid by the point-consuming client terminal 145, the conversion rate according to the agreement between the point server 155 and the server 100 is applied to the points confirmed by the server 100 It is characterized by providing money by converting into money corresponding to all points, depositing the converted money into a virtual account of the point-consuming client, and transferring to the virtual account of the money-consuming client.

In addition, according to another embodiment of the present invention, the server 100 borrows a predetermined amount of money provided by the point consumer group client group or the point consumer client group borrowing the money When confirming the predetermined confirmation information presented, the server 100 checks the total points by collecting points paid by the at least one point consumer loan client terminal 145 in connection with the point server 155. And converting the converted money into money corresponding to the total points by applying a conversion rate according to an agreement between the point server 155 and the server 100 to the total points checked by the server 100, and converting the converted money into money corresponding to the points. Deposit to the virtual account of the client group, and after confirming the point consumer group, By transferring a virtual account of virtual money account or the money spent borrower client groups of borrowers consuming client features that provide the cash.

In addition, according to another embodiment of the present invention, the point is a predetermined point (for example, cashback points, mileage, electronic money, gift certificates, etc.) held by the point-consuming client or the total points collected by the point-consuming client group By applying a conversion rate according to an agreement between the server 155 and the server 100, money corresponding to the point may be transferred to a real account.

Preferably, the server 100 that performs the money transfer business based on the money consumption loan condition information is money transfer information to be provided to the money consumption borrower from the point consumer loan client terminal 145 and money consumption loan according to the money transfer. Condition information and point usage information of the consumable client to be used for the money transfer are input or selected and stored (or temporarily stored) in a predetermined storage medium 140, and from the point consumer client terminal 145 After providing the money transfer information and the money consumption loan condition information to the point consumer loan client terminal 145 which will provide the money to the consumer client terminal, the server 100 provides a predetermined value for the money consumption condition information. Receiving commitment information, provided by the point spending lender client based on the commitment information After deducting the points corresponding to the consumption point client point usage information and converting the points corresponding to the consumption point client point usage information into money, transfer a predetermined amount of money to the virtual account of the point consumption line client; After the client confirms, the money is transferred to the virtual account of the consumer client.

For example, the server 100 applies a conversion rate according to an agreement between the point server 155 and the server 100 to a predetermined point held by the point consumer client or a total point collected by the point consumer client group. In addition, the money corresponding to the point may be transferred to the real account.

In addition, the server 100 provides the point consumption lender client point usage information to the point server 155 associated with the server 100, and the money paid by the server to the virtual account of the point consumption lender client. It is preferable to receive money corresponding to the point consumption information from the point server 155 after checking the usage information of the client.

According to an embodiment of the present invention, the point server 155 collects various points (eg, cashback, mileage, or gift certificate, etc.) acquired from the outside in correspondence with one member information, and then associates with the member information. Store the data in a predetermined D / B, i.e., the point D / B 160 and the member D / B 165, and in connection with the server 100, the point consumer account client having the same information as the member information Checking the information, it is characterized in that the member information and the point consumption lender client information is stored in the member D / B (165).

More specifically, the point server 155 provides the point information corresponding to the point consumption client information to the server 100, and provides the point consumption client point information used by the server 100. After confirming, the point corresponding to the point consumption lender client point usage information is reflected and stored in the point D / B 160.

The point D / B 160 associated with the point server 155 stores at least one point information corresponding to the point consumer data and the member information, and the point information is retained by the point consumer data client. And corresponding points.

In addition, the point D / B (160) is the point server (155) for the amount corresponding to the transfer amount paid by the server 100 to process the loan transaction between the point consumer loan client and the money consumer client; ) Stores the settlement further including the point settlement amount information recorded whether or not the payment to the server 100.

The member D / B 165 associated with the point server 155 may be stored in association with at least one point consumer loan client information and the member information.

For example, at least one or more point spending client information stored in the member D / B 165 may be stored in association with at least one member information, and correspond to specific point consumption client information from the server 100. When requesting point information, the point server may provide the point information corresponding to the member information by checking the member information corresponding to the consumer loan client information stored in association with the member D / B 165. Do it.

According to an embodiment of the present invention, the server 100 may include a storage medium 140 that stores money transfer related information according to money consumption loan condition information between the point consumer loan client and the money consumer loan client. In addition, by providing a virtual account processing unit 106, a user authentication unit 110, an information receiving unit 105, a storage unit 125, etc., implements a loan process using points according to the present invention.

In addition, the money loan condition information may include information included in the loan certificate or money loan agreement information, and also in the confirmation information, loan amount information, borrowing date information, repayment period information, borrowing amount It may include at least one interest rate information, overdue interest rate information, guarantor information.

The information receiving unit 105 of the server 100 receives or selects predetermined money transfer information and money consumption loan condition information corresponding to the money transfer from the money consumer client terminal 150, and the point consumer loan client In cooperation with the terminal 145, it receives the confirmation information of the point consumer loan client with respect to the money loan condition information.

Preferably, the information receiver 105 communicates with the point-consuming client terminal 145 and the money-consuming client terminal 150 through an encrypted communication channel using a session key.

For example, the encrypted communication may be possible by encrypting specific information such as virtual account transfer information, money consumption condition information and commitment information according to the present invention using an encryption algorithm such as SEED and the like through the plug-in.

In addition, the information receiving unit 105 receives or selects predetermined money transfer information and money consumption loan condition information corresponding to the money transfer from the money consumption client terminal 150 or the point consumption client terminal In operation 145, in the process of receiving the confirmation information of the point consumer loan client with respect to the money loan condition information, confirm the electronic certificate or the electronic signature of the consumer money borrower client or the consumer money client; By being provided, it is possible to authenticate whether the money consuming client or the money consuming client is an appropriate client.

In addition, when the information receiving unit 105 receives the money consumption loan condition information from the consumer client terminal 150, the information receiving unit 105 receives or selects the predetermined money consumption condition information from the consumer client terminal 150, In connection with the point spending client terminal 145, the payment information of the point consumption client client and the predetermined money transfer information corresponding to the money transfer may be received.

In addition, when the information receiving unit 150 is linked with the point server, the information receiving unit 150 may receive the point information corresponding to the money consumption client information from the point server 155.

The virtual account processing unit 106 of the server 100 receives the subscription application information for the point-consuming client terminal 145 to receive a loan service provided using the points provided by the server 100. 100, the server 100 generates a virtual account corresponding to the input information of the point consumption client (eg, the point consumption client information) and assigns the virtual account to the point consumption client. It is done.

For example, the virtual account provided by the virtual account processor 106 serves as a deposit account that receives money corresponding to a point held by the point consumer loan client, and a money transfer account for transferring money to the money consumer client. Characterized by being able to play all roles.

According to an embodiment of the present invention, the virtual account generated in response to the point-consuming client information and the money-consuming client information generated by the server is based on a mother account generated in a financial system on a communication network associated with the server. It is characterized in that it is generated.

In addition, the virtual account is linked to the parent account, the virtual account generated by the financial system, if the money transfer occurs in the transaction process between the lender client and the borrower client, the borrower client until withdrawing the transferred money It is characterized in that it does not allow for withdrawal.

The user authentication unit 110 of the server 100 performs user authentication when the point-consuming client terminal 145 and the money-consuming client terminal 150 are connected. Preferably, the user authentication unit 110, in processing the money transfer according to the money consumption loan condition information of the money consumer borrowing client, the money consumer client terminal 150 is connected to the server 100 to pay money Run a plug-in (eg, XecureWeb or Iniplugin) to receive money transfers to the consumer client virtual account.

In addition, the user authentication unit 110 is authorized on the storage medium (for example, smart card, etc.) connected to the point-consuming client terminal 145 or the point-consuming client terminal 145 through the driven plug-in. Mutual authentication between the server 100 and the money lender terminal 145 is performed through a certificate, and a session key for encryption communication between the server 100 and the money lender terminal is generated.

For example, according to the plug-in method, the client security module of the point-consuming client terminal 145 inquires a certificate or a private key list on the storage medium 140 connected to the terminal 145 or the terminal 145, and checks the RA on the network. You can check the certificate by communicating with / Directory Server.

The information confirming unit 117 of the server 100 checks the point information of the point consumption client according to the point consumption client information in association with the point server 155, and checks the point consumption client client terminal ( By providing to 145, the point consumption host client terminal 145 is characterized in that to confirm the point information.

For example, when the point consumption client terminal 145 accesses the server 100, the information checking unit 117 that is a component of the server 100 receives the point consumption host received by the information receiving unit 105. The point information request information corresponding to the client information is transmitted to the point server 155, and the point server 155 that has confirmed the point information request information checks the point information of the point consumer account client corresponding to the point information request information. When providing to the server 100, the information check unit 117 checks the point information, characterized in that to provide to the point consumption host client terminal 145.

In addition, when the point consumption client terminal 145 accesses the server 100, the information checking unit 117 of the server 100 to extract the point information corresponding to the point consumption client information; The member D connected to the point server 155 by accessing the point server 155 and storing point consumption client information matching the point consumption client information and member information stored in association with the point consumption client information. Check point / B (165), the point information corresponding to the confirmed member information is identified and extracted in the point D / B (160) and characterized in that it provides to the point consumption host client terminal (145).

For example, the point information corresponding to the point consumption client information extracted by the information checking unit may be provided to the point consumption client client terminal 145 by the point consumption client to provide money to the money consumer client. It features.

The storage unit 125 of the server 100 processes the money consumption loan condition information in association with the consumer loan client and the money consumer loan client information to store in a predetermined storage medium 140 and further, the money consumption loan. The condition information is stored in the storage medium 140 in association with an official certificate or electronic signature information of the consumer loan client and the consumer loan client.

In addition, the storage unit 125 of the server 100 may store the point consumption loan client point usage information in a predetermined storage medium 140 in association with the money consumption client information.

Preferably, the point spending lender client information may be configured to include unique ID information, e-mail information, mobile phone number information, financial virtual account information and authorized certificate information of the point consumer loan client.

In addition, the point-consuming client information may be configured to further include the real account information of the point-consuming client.

Referring to FIG. 1, the server 100 includes a point processor 107, a money transfer unit 115, an interest amount calculator 135, a manager 120, and a settlement processor 123 for smooth implementation of the present invention. And it may be configured to further include a receipt processing unit (130).

When the information receiving unit 105 receives the point information provided from the point server 155, the point processing unit 107 checks the point information 105 corresponding to the point consumption lender client information and the point information. Characteristic information corresponding to 105 is generated.

For example, the point processing unit 107 confirms the point information received by the information receiving unit 105 and corresponds to the point information by applying a conversion rate according to an agreement between the server 100 and the point server 155. Characterized in that the amount of money information.

In addition, the point processing unit 107 connects the point authentication unit 115 to the point server 155 and extracts point information corresponding to the point consumption lender client information from the point server 155. After confirming the information, the conversion rate according to the agreement between the server 100 and the point server 155 is applied to generate money information corresponding to the point information.

The money transfer unit 115 of the server 100 refers to the money transfer information received by the information receiver 105 in response to the money transfer from the point-consuming client terminal 145, and the money-consuming borrower client Transfer the money to a virtual account.

In addition, the money transfer unit 115 may transfer the money to the real account of the money-consuming borrower client when the money-consuming borrower client has a real account.

For example, the money transfer may be performed after the confirmation information of the point consumer account client about the money consumption loan condition information selected or input by the money consumer client is received.

In addition, when the money consumption loan condition information is selected or input by the money consumption borrower client, it may be preferable after the confirmation information of the point consumption loan client is received with respect to the selected or input money consumption loan condition information. .

In addition, when the point processing unit 107 generates the amount of money information corresponding to the point information of the point spending lender client, the money transfer unit 115 of the server 100 confirms the confirmation information of the point spending lender client. And confirming the amount information at the same time, depositing money corresponding to the amount information into the virtual account of the point-consuming client.

The interest amount calculation unit 135 of the server 100 transfers the money to the borrower client virtual account, and then, after a predetermined period of time, an interest amount based on a predetermined interest rate corresponding to the loan condition for money consumption Automatic calculation

For example, the interest rate information applied to calculate the interest amount to be provided to the consumer client by the borrowing client is included in the loan condition information of the money, and the interest rate information is expressed as a percentage of the borrowing amount (eg, 5 digits a year, 1 penny a month, or the like, or a percentage of one day's interest for one hundred won.

Preferably, the interest rate may be determined by mutually negotiating consumption loan condition information between the borrowing client and the borrowing client (e.g., contracted interest rate), but by law, a certain rate (e.g., 5 puns a year, 6 puns a year) And the like).

According to a preferred embodiment, if the amount of money borrowed by the borrowing client is 20,000,000 won and the interest rate determined by the money consumption loan condition information is 1 penny a month, the money consuming client may consume the points. When a month elapses from the date of borrowing the 20,000,000 won from the client, the interest amount calculation unit of the server 100 calculates the interest amount by applying an interest rate for the 20,000,000 won (for example, 20,000,000 won × 0.01 = 20,000). You can do it.

In addition, the interest amount calculation unit 135 of the server 100 adds the interest amount calculated by the money loan condition information to the borrowing amount of the money borrowing client, thereby borrowing stored in the storage medium 140. Update the amount.

Preferably, the borrowed amount may be updated periodically according to the interest amount added by the interest amount calculation unit 135.

In addition, the interest amount calculation unit 135 refers to the money consumption client information (eg, e-mail, mobile phone number, login ID, etc.) and point consumption client information stored in the storage medium 140 using the calculated interest amount. Thus, it may be provided to the money-consuming borrower client or the point-consuming loan client.

The settlement processing unit 123 of the server 100 periodically (eg, at a certain period or at a specific time point) point usage information (eg, used by the at least one point consumer account client to provide money to the money consumer client) (eg, , The amount transferred from the virtual account of the point-consuming client to the virtual account of the money-consuming borrower client), provided to the point server 155, and generates point settlement amount information to generate the point-consuming client point It is characterized in that it is included in the usage information data file and stored in the storage medium 140.

According to an exemplary embodiment of the present invention, the settlement processing unit 123 of the server 100 includes at least the point settlement amount information with the point usage information corresponding to the transfer amount of the point spending lender client to the point server 155. If one or more is collected and provided, the point server checks the collected point usage information and point settlement amount information transmitted from the server 100, and reduces points corresponding to the point usage information, and reduces the points. The updated updated point information is stored in the point D / B 160 associated with the point server 155, and the conversion rate according to the agreement concluded between the server 100 and the point server 155 is applied as an amount. After converting, the amount is provided to the server 100 and received and confirmed by receiving updated point settlement amount information from the server 100. It characterized in that stored in the STE D / B (160).

According to another exemplary embodiment of the present invention, the point processing client transfer by the settlement processor 123 of the server 100 to the point server 155 by the point consumer client to the money consumer client Collecting and providing at least one amount of money information, the point server confirms the transfer amount information delivered from the server 100, the conversion rate according to the agreement concluded between the server 100 and the point server 155 After converting into points by applying a value, the points for each point-consuming client, the points are reduced, the amount corresponding to the transfer amount information is provided to the server 100, and the point settlement amount information updated from the server 100 is applied. Receives and receives the received and confirmed it characterized in that stored in the point D / B (160).

After the management unit 120 of the server 100 transfers the money to the money borrowing client virtual account, after a predetermined period of time, the money repayment period corresponding to the money consumption loan condition is confirmed and the money repayment period is confirmed. The result is notified to the money consumer client or the point consumer client.

In addition, the management unit 120 of the server 100 is characterized in that to provide the money consumption loan condition information from the server 100 to the point consumer loan client terminal 145.

Receipt processing unit 130 of the server 100, when the money consumption client repays the point consumer loan client through the server 100, the predetermined money consumption loan conditions associated with the money consumer information client Extracts the information from the storage medium 140, determines whether the money borrowing client repays the money information or period information, and whether the money consumption loan condition information extracted from the storage medium 140 matches; If the amount of money information or period information reimbursed by the borrower client meets the loan condition information, the borrower may issue an electronic document including a predetermined receipt function corresponding to the repayment of the money. .

The storage medium 140 according to the present invention in the money transfer according to the money loan condition information between the point consumer loan client and the money consumer loan client, the server 100 and the point consumer loan client terminal 145 and the money consumption Stores information (eg, money transfer information, money consumption loan condition information, commitment information, etc.) transmitted and received between the borrower client terminal 150.

Referring to FIG. 1, although the storage medium 140 is shown as being located in the server 100, this is only one embodiment to help understanding of the present invention, and the storage medium is the server 100. It may be present on the network associated with.

Meanwhile, according to the present invention, the server 100 performs a user authentication function when the point-consuming client terminal 145 and the money-consuming client terminal 150 are connected, and the consumer-client terminal 150. Receive or select predetermined money transfer information and money consumption loan condition information corresponding to the money transfer, and interlock with the point consumer loan client terminal 145 to provide the point consumer account for the money consumption condition information; And a program for realizing the function of receiving the confirmation information and the function of storing the money consumption condition information in association with the money lender client and the money consumer information and saving the money to a predetermined storage medium 140. It includes a recording medium.

Preferably, the program recorded on the recording medium is further characterized by realizing a function of transferring the money to the money-consuming borrower client virtual account with reference to the received money transfer information.

The program further realizes a function of automatically calculating an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition after a predetermined period of time after transferring the money to the money borrowing client virtual account. It is characterized by.

In addition, according to another preferred embodiment, the server 100 is a function of performing user authentication when the point-consuming client terminal 145 and the money-consuming client terminal 150, and the consumer-client terminal ( Input or select predetermined money consumption loan condition information from 150, and interlock with the point consumption loan client terminal 145 to confirm the information on the point consumption loan client with respect to the money consumption loan condition information and the money transfer; A program for realizing the function of receiving the corresponding predetermined money transfer information and the function of storing the money consumption loan condition information in association with the consumer loan client and the money borrower client information and storing the function in the predetermined storage medium 140. It may include a recording medium characterized in that recorded.

Preferably, the program may further implement a function of transferring the money to the money-consuming client virtual account with reference to the received money transfer information, and further, the program to the money-consuming client virtual account. And after the transfer of money, a function of automatically calculating an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition after a predetermined period of time is further realized.

The program may transfer the money to the real account of the money consuming client when the money consuming client has a real account.

2 is a simplified block diagram of an information storage medium 140 according to a preferred embodiment of the present invention.

Referring to FIG. 2, the information storage medium 140 according to the present invention includes a consumer information data file 200 for storing consumer information for borrowing money borrowing borrowing a predetermined amount of money and a money for the consumer spending money. A consumer loan client information data file 205 for storing the information of the consumer loan client to be transferred, and a cash loan condition information data file for storing predetermined loan condition information provided by the money consumer client or the money consumer client. And a point consumption client client point information data file 215 including the point usage-related information of the point consumption client.

Preferably, the consumer's client information data file 200, the consumer's client information data file 205, and the loan's loan condition information data file 210 and the point consumer's client point usage information data file 215 are mutually interchangeable. Characterized in that the linkage processing.

In addition, according to the present invention, the storage medium 140 may further store the official certificate or electronic signature information of the consumer or client, the predetermined amount of interest calculated in response to the loan condition information You can store more information.

More specifically, referring to FIG. 2, the consumer's client information data file 200 included in the storage medium 140, the consumer's client information data file 205 and the loan's loan condition information data file 210 are included. And each data stored in the point-consuming client point usage information data file 215.

According to FIG. 2, the borrower client information data file 200 included in the storage medium 140 has a predetermined amount of money owned by another client (point consumer loan client) according to a predetermined loan condition for money consumption according to the present invention. Money-related borrower client information is recorded which converts the points into money and borrows the money, and repays the borrowed amount to the point-consuming client according to the money-consuming loan condition.

For example, the borrower client information recorded in the borrower client information data file 200 may be configured to include the borrower name, ID, password, virtual account information, telephone number, e-mail, and the like.

In addition, when the money-consuming borrower client has a real account, the real account information of the money-consuming borrower client is designated as remittance account information or collection account information, and further added to the money-consuming borrower client information data file 200. Can be configured.

In addition, referring to FIG. 2, the consumer data client information data file 205 included in the storage medium 140 may store predetermined points held by the consumer account client according to a predetermined money consumption loan condition according to the present invention. Converting the converted money into a virtual account of the point-consuming client, and then providing the money to a virtual account of another client (point-consuming client) after confirmation of the point-consuming client; (Money transfer), the information related to the point consumer loan client that is repaid the borrowed amount from the money consumer loan client in accordance with the money loan condition.

For example, the point consumed client information recorded in the point consumed client information data file 205 may be configured to include a name, ID, password, virtual account information, telephone number, e-mail, and the like.

In addition, when the money-consuming borrower client has a real account, the real account information of the money-consuming borrower client is designated as remittance account information or collection account information, and is further added to the point-consuming borrower client information data file 205. Can be configured.

According to the present invention, the money loan condition information data file 210 included in the storage medium 140 is set according to the money transfer and repayment between the point consumer loan client and the money consumer client according to the present invention. It is characterized by recording the information on loan condition for money consumption.

Preferably, the money loan condition information includes: borrower information, consumer loan information, virtual account information, borrowed amount information, interest amount information, borrowed date information, repayment period information, repayment period extension information, interest rate information, delinquent interest rate information. And consumption loan contract information between the point consumer loan client and the money consumer loan client.

In addition, when the point-consuming client and the money-consuming borrower client owns a real account, the real account information of the point-consuming client and the money-consuming borrower client may be designated as remittance account information or collection account information. It can be configured by further including in the loan condition information data file.

According to the present invention, the point spending lender client point usage information data file 215 included in the storage medium 140 may be converted into point information and money converted corresponding to the point consumption lender client point usage information according to the present invention. The converted point conversion information is recorded.

Preferably, the point spending lender client point use information data file 215 includes information on consumption loans, ID information, password information, point identification information, telephone number information, e-mail information, point information, point conversion information, and point settlement amount information. It can be configured to include.

3 is a diagram illustrating a process of processing a subscription and virtual account generation for a point consumption client in a server.

More specifically, according to the process shown in FIG. 3, the server 100 confirms the subscription request information of the point consumption client, and thus points consumption client information corresponding to the subscription request information of the point consumption client. Shows a process of receiving and confirming the ID, generating a virtual account corresponding to the point-consuming client information and assigning the virtual account to the point-consuming client, and storing the virtual account in the storage medium 140 associated with the server 100. .

According to the method of the present invention, when the point-consuming client terminal 145 transmits the subscription request information to the server 100 (300), the server checks the subscription request information, and the subscription request information is added to the subscription request information. In operation 305, the point consumption client information request information for subscription processing of the corresponding point consumption client is transmitted to the point consumption client.

Subsequently, when the point consumption client client information 145 checks the point consumption client information request information 310 and transmits the point consumption client information corresponding to the point consumption client client to the server 100 (315) The server checks the point consumption client information (320), generates virtual account and virtual account information corresponding to the point consumption client information, and grants the generated virtual account to the point consumption client. (325).

Thereafter, the server 100 stores the point consumption client information and the point consumption client client virtual account information in the storage medium 140 (330), and a guide message for the subscription processing of the point consumption client client. By generating (335), and by transmitting the guide message generated in the server 100 to the point consumption host client (340) to terminate the series of processes.

According to another embodiment of the present invention, when the money-consuming client sends the subscription request information to the server 100, the server processes the subscription request information of the money-consuming borrower client as described in FIG. Processed in the same manner as, but not limited to.

4 is a simplified conceptual diagram of a borrowing process using points in accordance with a preferred embodiment of the present invention.

Figure 4 is a method for performing a money transfer using the points according to the present invention, the predetermined money consumption loan condition information corresponding to the money borrowing between the point consumer loan client and the money consumer loan client to perform a money transfer for the money borrowing; Point consumption host client to connect to the server 100 to select or enter.

Preferably, the money consumption loan condition information selected or input by the point consumer account client is transmitted to the money consumer client receiving the money loan, and the money consumer client selects or inputs money consumption selected by the point consumer client. By providing the commitment information for the loan condition information to the server 100, the money consumption loan between the point consumer loan client and the money consumer loan client is characterized in that it is made.

Referring to FIG. 4, when the consumer loan client terminal 145 which transfers money to the money borrowing client is connected (1-1), the server 100 performs user authentication on the money consumption loan (1). -2), if the server delivers the request information for the point consumption lender client point information to the point server 155 (1-3), the point server 155 is delivered from the server 100 Checking the request information for the point consumption host client point information, and provides the point information corresponding to the request information to the server 100 (1-4).

Thereafter, the server 100 receives or receives predetermined money transfer information and money consumption loan condition information corresponding to the money transfer from the consumer loan client terminal 145 (2).

For example, the money transfer information may include at least one or more of virtual account information, password or secret key information, user authentication information, and the money consumption loan condition information may include identification information for money vehicles, loan amount information, borrow date information, It may include at least one or more repayment period information, interest rate information for the borrowed amount, overdue interest rate information, joint guarantor information.

In addition, if there is real account information corresponding to the consumer loan client, the money transfer information is characterized in that it further comprises a real account information (for example, collection account information or remittance account information).

Subsequently, the server 100 transfers the money consumption loan condition information to the money consumption client by interworking with the money consumption client terminal 150 (3-1), from the money consumption client terminal. Receive confirmation information of the borrower client about the money loan condition information (3-2).

On the other hand, the server 100, based on the confirmation information of the received money consumer borrowing client, the cash consumption loan condition information in conjunction with the consumer loan client and the money consumer borrowing client information in a predetermined storage medium 140 (4-1).

Thereafter, the server 100 converts the points held by the point consumption client to the money by applying a conversion criterion according to the conclusion between the server 100 and the point server 155. (4-2), the converted money is deposited into the virtual account of the point-consuming client (4-3), and then transferred to the virtual account of the money-consuming client (4-4).

Subsequently, the server 100 automatically calculates an interest amount for the borrowing money (5) by referring to the money consumption loan condition information stored in the storage medium 140, and converts the calculated amount into the borrowing amount ( Or storage in the storage medium 140 in association with the borrowed amount (6).

5 is a simple flowchart of the process of borrowing money using points according to a preferred embodiment of the present invention.

5 is a point of money loan using the point according to the present invention, the money consumption loan condition information for the money loan is established by the point consumer loan client, a predetermined amount of money by the money loan condition information; The process up to the transfer to the borrower's client virtual account is shown.

Referring to FIG. 5, when the money transfer consumer loan client terminal 145 accesses the server 100 according to the present invention for money transfer (500), the server 100 authenticates the validity of the money transfer consumer loan client. In operation 505, the server 100 and the point consumption client terminal 145 form a secure channel.

Preferably, the validity authentication of the money transfer consumer loan client is a point consumer client mounted on the money transfer consumer loan client terminal 145 (or mounted on a storage medium 140 such as a smart card connected to the client terminal). It is preferable to use a public certificate of, for example, by making a digital signature with the private key value included in the public certificate through the client security module, etc. mounted on the point-consuming client terminal 145 to the server 100 The server 100 may verify whether the point consumption client is a legitimate client by verifying the public key value of the point consumption client.

If the authentication for the point-consuming client fails (510), the server 100 provides an authentication failure message to the point-consuming client terminal 145 to notify (515).

On the other hand, if the authentication for the point-consuming client successfully completed (520), the server 100 checks the point information corresponding to the point-consuming client information in connection with the point server 155, The server 100 and the point consumer account client terminal may include a page capable of inputting or selecting money transfer information and loan condition information of money to the consumer client terminal 145 and point information corresponding to the point consumer data. 145 is transmitted through the secure channel formed between (525).

When a page allowing input or selection of money transfer information and money consumption loan condition information is transmitted from the server 100 to the consumer client terminal 145, the consumer client receives money transfer information through the terminal 145. (E.g., virtual account information, password or secret key information, user authentication information, etc.) and money consumption loan condition information (e.g., confirmation information for money vehicles, borrowing amount information, borrowing date information, repayment period information, interest rate for the borrowing amount) Information, delinquent interest rate information, guarantor information, etc.) are input or selected (530). (See Figure 6)

Referring to Figure 6, a simplified illustration of a money lending contract information input or selection page according to a preferred embodiment of the present invention is shown.

The server 100 receives the input or selected money transfer information and money consumption loan condition information from the point consumer loan client terminal 145 (535), and the server 100 receives the received money transfer information and the The money consumption loan condition information is temporarily stored in the storage medium 140 in association with the point consumption loan client information and the like (540).

Subsequently, when the money-consuming borrower client terminal 150 that receives money transfer from the point-consuming client in the server 100 accesses (545), the server 100 authenticates the connected money-consuming borrower client. Is carried out.

For example, the authentication of the money-consuming borrower client may be performed through authentication information (eg, an ID and a password) of the money-consuming borrower client and mounted on the money-consuming borrower client terminal 150 (or connected to the client terminal). It is possible by using an authorized certificate of the borrower client (mounted on the storage medium 140, such as a smart card).

If the authentication for the money consumption client fails (550), the server 100 transmits an authentication failure message to the money consumption client (555).

On the other hand, if the authentication for the money-consuming borrower client is successfully completed (560), the server 100 checks the connected money-consuming borrower client information (565), the money-consuming borrower client from the storage medium In operation 570, the money consumption loan condition information stored in association with the extracted information is extracted, and the money consumption loan condition information selected or input by the point consumer account client is provided to the money consumption client terminal 150.

If the consumer borrower client that has received the loan condition information does not agree with the loan condition information (575), the borrower client terminal 150 transmits money to the server 100 to the loan condition information. The rejection message may be sent (580).

When the server 100 receives a rejection message for the money consumption loan condition information of the client, the server 100 consumes the money consumption loan condition information rejection message of the received money consumption borrower client. The client sends a notification to the client terminal 145 (585).

On the other hand, when the borrower client agrees with the loan condition information and provides the server 100 with confirmation information corresponding to the loan condition information (590) (see FIG. 7), the server 100 confirms the commitment information (595) and stores the money consumption loan condition information in the storage medium 140 in association with the point consumer loan client and the money consumer client information (597).

Referring to FIG. 7, a simple exemplary diagram of a page in which the borrower client inputs or selects confirmation information about the loan condition information in response to the loan condition information in accordance with the preferred embodiment of the present invention. .

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

Figure 6 is a simplified illustration of the money consumption loan agreement information input or selection page according to a preferred embodiment of the present invention.

Referring to FIG. 6 shown in accordance with an embodiment of the present invention, the point consumption host client connected to the server 100 receives a user screen similar to the configuration of FIG. 6 from the server 100. The user screen is largely divided into a transfer information menu item for checking information related to a transfer and an option menu item for checking information related to a loan for consumption. The transfer information menu is used to input money consumption condition information. The option menu item may include items for confirming transfer amount information between the point spending lender client and the money borrowing client.

For example, the transfer information menu item may include point identification information, point information, point conversion information, withdrawal account information, withdrawal account password, deposit account information, deposit bank, transfer amount, and information about the remitter. It is composed of individual items that can be input, and the content corresponding to the information can be input and executed in each individual item.

In addition, the option menu information includes information on loans to borrowers, account information, electronic signature information, information on borrowers to borrow money, account information, borrowing amounts, borrowing characteristics, interest rates, borrowing dates, and repayment deadlines. Consists of the individual items that can confirm the information on, it is possible to input and execute the content corresponding to the information in each individual item.

FIG. 7 is a simplified illustration of a page where a money-consuming borrower client inputs or selects commitment information on money-consuming loan condition information according to a preferred embodiment of the present invention.

Referring to FIG. 7 shown in accordance with an embodiment of the present invention, the point for providing loan commitment confirmation information provided by the client checks the money consumption loan condition information presented by the client for borrowing money. In addition, the point spending lender client can generate and confirm the money consumption confirmation information in the form as shown in the drawings with an electronic signature.

8 is a simple flowchart of a borrowing process using points in accordance with a preferred embodiment of the present invention.

FIG. 8 illustrates the use of points in accordance with the present invention, in which a predetermined amount of money is determined according to the information on the condition of loans for loans established by the point-consuming client through the process of FIG. After the transfer from the point consumer loan client virtual account to the money consumer loan client virtual account, a predetermined interest amount is calculated according to the money consumption loan condition information, and the repayment of the money consumer loan client for the loan is made. A simple flow chart of the process that takes place.

Referring to FIG. 8, according to FIG. 5, the point spending lender client converts into a predetermined amount of money corresponding to the money consumption loan condition information by using the held points and deposits it in the virtual account of the point spending lender client. The money transferred to the virtual account is transferred to the money borrowing client account (800), and the server 100 transfers the money transfer information and the money consumption loan condition information to the point consumption client information and money consumption. It is preferred to proceed after storing (805) in association with the borrower client information.

The server 100 inquires the money consumption loan condition information stored in the storage medium 140 to determine whether an interest amount calculation period for the borrowing period is reached (810), and if the interest amount calculation period for the borrowing amount If so (815), the server 100 automatically calculates the interest amount for the borrowed amount according to the interest rate information included in the loan condition information (820).

For example, the calculation of the interest amount of the server 100 is based on the interest rate information recorded in the money consumption loan condition information for the money loan between the point consumer loan client and the money consumer client stored in the storage medium 140, the interest rate If it is set for each month, the server 100 can calculate from the time of one month from the borrowing date, and if the interest rate is set for each year, the server 100 is one year from the borrowing date In the interest rate to which the interest rate is applied can be calculated.

In operation 825, the server 100 may provide an interest amount calculated according to interest rate information included in the loan condition information to the point consumer loan client and the loan consumer client.

In addition, the server 100 stores the calculated interest amount in the storage medium 140 in association with the borrowing amount of the borrower of the money or adds the borrowed amount to the storage medium 140 (830). ).

In addition, the server 100 checks the money repayment period of the money consumption borrower client according to the money consumption loan condition information (835), if the money repayment period (840), the money indicating that the money repayment period has been The payment period confirmation is notified to the money borrowing borrower and the point spending lender client (845).

Then, the server 100 checks the final repayment amount and the interest sum amount with reference to the money consumption loan condition information (850), and consumes the points from the money consumption borrower client virtual account according to the money consumption loan condition information. The redemption amount is transferred to the client client virtual account (855).

For example, the borrowing amount repayment of the borrower's client may be automatically borrowed from the cash consumer's client virtual account from the cash consumer's client virtual account to the point consumer's loan client on the borrowing repayment date with reference to the loan's loan condition information. As shown in FIG. 9, the borrower client may access the server 100 to create a predetermined money repayment (transfer) page to repay the borrowed amount. .

If the balance of the money-consuming borrower client virtual account does not reach the repayment amount (860), the server 100 notifies the point-consuming borrowing client and the money-consuming borrowing client of the money repayment failure details (865). . In operation 870, the server 100 recognizes that the money repayment is overdue and applies the delinquent interest rate recorded in the money consumption loan condition information.

On the other hand, when the repayment amount is successfully transferred from the money-consuming borrower client virtual account to the point-consuming client virtual account and the redemption is completed (875), the server 100 returns the result of the money repayment to the point consumer-owner. The client and the borrower client notify the client (880).

In operation 885, the server 100 transmits a predetermined receipt for the money repayment (for example, a deposit receipt or a separate receipt, etc.) to the money repayment client.

9 is a diagram illustrating a page for repaying a loan amount according to money consumption loan condition information by a money consumption borrowing client according to a preferred embodiment of the present invention.

Referring to FIG. 9 according to an embodiment of the present invention, the money-consuming client accessing the server 100 receives a user screen similar to that of FIG. 9 from the server 100. The composition of the user screen is largely divided into a repayment information menu item for checking information related to repayment and a repayment information check menu item. In addition, the repayment information confirmation menu item is characterized in that consisting of items that can confirm and output the money consumption loan condition information.

For example, the repayment information menu item includes an individual item for inputting withdrawal account information, withdrawal account password information, deposit account information, deposit bank information, transfer amount information, and remitter information. The relevant content can be entered and executed in each line item.

In addition, the repayment information confirmation menu item includes the points consumer loan client information, account information, electronic signature information, money borrower information, account information, borrowing amount information, borrowing personality information, interest rate information, The borrowing date information, the repayment deadline information, and the individual items which can confirm the interest amount information can be confirmed, and the loan condition information can be confirmed.

10 is a simplified conceptual diagram of a borrowing process using points in accordance with another preferred embodiment of the present invention.

FIG. 10 illustrates that when a borrower uses a point according to the present invention, the borrower client receiving the borrower receives predetermined money consumption loan condition information corresponding to the borrower between the point consumer loan client and the client; The server 100 is connected to select or input.

Preferably, in the present embodiment, the money consumption loan condition information previously selected or input by the money consumption borrower client is transmitted to the point consumption client that the server 100 provides the predetermined money, and the point consumption client Receiving from the confirmation information on the money consumption loan condition information selected or input by the borrower client, characterized in that the borrowing between the point consumer loan client and the money consumer client.

Referring to FIG. 10, when the borrower client terminal 150 intending to borrow money is connected to the server 100 (1-1), and the borrower according to the present invention intends to perform the borrowing according to the present invention, the server 100 ) Performs user authentication for the connected money consumption borrower (1-2), and receives or selects the money consumption loan condition information on the money transfer from the consumption borrower client terminal 150 (2-1). .

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

Subsequently, when the point consumption client terminal 145 accesses the server 100 (2-2), the server 100 transmits the point consumption client point information to the point server 155. The request information for the point consumption lender client point information transmitted from the server 100, and the point information corresponding to the request information, It provides to the server 100 (2-4).

In addition, the server 100 interoperates with the point spending lender client terminal 145 to transfer the money consumption loan condition information and point information to the point consumption client (3-1), and the money consumption loan. Receiving, from the client terminal, the confirmation information of the point consumer account client about the money consumption loan condition information selected or input by the money consumer client (3-2).

At this time, the point spending lender client further transmits money transfer information (for example, money transfer virtual account information, password or secret key information, money collection virtual account information, user authentication information, etc.) for the money vehicle to the server 100. Can be.

Then, the server 100 processes the money consumption loan condition information in association with the consumer loan client and the money borrower client information based on the received confirmation information and the money transfer information of the point consumer loan client. It is stored in the storage medium 140 of (4-1).

Thereafter, the server 100 converts the points held by the point consumption client to the money by applying a conversion criterion according to the conclusion between the server 100 and the point server 155. (4-2), the converted money is deposited into the virtual account of the point-consuming client (4-3), and then transferred to the virtual account of the money-consuming client (4-4).

Subsequently, the server 100 automatically calculates an interest amount for the borrowing money by referring to the money consumption loan condition information stored in the storage medium 140 (5), and converts the calculated amount into the borrowing amount ( Or storage in the storage medium 140 in association with the borrowed amount (6).

11 is a simplified flowchart of a borrowing process using points in accordance with another preferred embodiment of the present invention.

FIG. 11 illustrates the use of money borrowing condition information for the money borrower by the borrower client in setting up money borrowing using the points according to the present invention. A process of receiving an amount of money from the point-consuming client virtual account is shown.

Referring to FIG. 11, when a client terminal (money consumer client terminal 150) who wants to borrow a predetermined amount of money accesses the server 100 according to the present invention (1100), the server 100 transfers the money. Validation of the consumer client is performed (1105). At this time, it is preferable that the server 100 and the point consumption client terminal 145 form a secure channel for a predetermined information exchange.

In addition, the validity authentication of the money transfer consumption borrower client is a money consumption client client mounted on the money transfer consumer client terminal 150 (or mounted on a storage medium 140 such as a smart card connected to the client terminal). It is recommended to use a certified certificate.

For example, an electronic signature is generated using a private key value included in the public certificate through a client security module installed in the client device 150, and the server 100 is transmitted to the server 100. By verifying the public key value of the borrower client, it may be determined whether the borrower client is a legitimate client.

If the authentication for the money-consuming borrower client fails (1110), the server 100 provides an authentication failure message to the money-consuming borrower client terminal 150 to notify it (1115). However, if the authentication for the money-consuming borrower client is successfully completed (1120), the server 100 checks point information corresponding to the point-consuming client information in connection with the point server 155, and the A secure channel formed between the server 100 and the money consuming client terminal 150 with a page for inputting or selecting money consuming condition information to the consuming client terminal 150 and information corresponding to the point consuming client information. It transmits through (1125).

When a page allowing input or selection of money loan condition information from the server 100 is transmitted from the server 100 to the consumer loan client terminal 150, the consumer loan client receives money loan condition information (eg, for a money vehicle) through the terminal. (B) confirmation information, borrowing amount information, borrowing date information, repayment period information, interest rate information for the borrowing amount, delinquent interest rate information, guarantor information, etc.) (1130).

The server 100 receives the input or selected money consumption loan condition information from the money borrowing client terminal 150 (1135), and connects the received money consumption loan condition information to the point consumer loan client information and the like. Temporarily stored in the storage medium 140 (1140).

Subsequently, when the point consumption lender client terminal 145 accesses the money borrowing client client from the server 100 to make money transfer (1145), the server 100 provides the client with the point consumption lender. Authenticate

For example, the point-consuming client is authenticated through connection information (eg, ID and password) of the point-consuming client and mounted on the point-consuming client terminal 145 (or connected with the client terminal). It may be possible by using an authorized certificate of the point consumer, the client (mounted on the storage medium 140, such as a smart card).

If the authentication for the point-consuming client fails (1150), the server 100 transmits an authentication failure message to the point-consuming client (1155). On the other hand, if the authentication for the point-consuming client successfully completes (1160), the server 100 checks the connected point-consuming client information (1165), the cash consumption client is selected or input Extracts the loan condition information from the storage medium 140, extracts the loan condition information and the point information held by the point consumer loan client from the storage medium 140, and extracts the loan amount The condition information and the point information are provided to the point consumption client client terminal 145 (1170).

If the consumer loan client receiving the money loan condition information does not agree with the money loan condition information (1175), the point consumer loan client terminal 145 transmits the money loan condition information to the server 100. The rejection message may be transmitted (1180).

When the server 100 receives a reject message for the money consumption loan condition information of the point consumer account client, the server 100 transmits the received money consumption loan condition information rejection message for the point consumer account client. The money is sent to the borrower client terminal 150 and notified (1185).

On the other hand, the point consumer loan client agrees to the money consumption loan condition information (1190), the confirmation information corresponding to the money consumption loan condition information to the server 100 and money transfer information (for example, the money loan) (Virtual account information, password or secret key information, user authentication information, etc.) (1195), the server 100 confirms the confirmation information, and the money consumption loan condition information of the point consumer loan client and money In operation 1197, the storage medium 140 is stored in association with the client information.

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

Thereafter, a predetermined interest amount is calculated according to the money consumption loan condition information according to the money consumption loan condition information for the money borrowing established between the money borrowing client and the point consumer loan client, and the money for the money borrowing is calculated. The process of repayment of the consuming client is in accordance with FIG. 8 described above.

FIG. 12 illustrates a process of calculating point information generated by the server in connection with the point server in performing a loan using points according to an embodiment of the present invention.

More specifically, according to the process illustrated in FIG. 12, in the process of processing the borrowing between the point spending lender client and the money lending client, the point spending lender client provides money to the money lending client. The process of the server 100 and the point server 155 in association with the money consumption borrower client point usage information and the point settled amount information generated corresponding to the point to be used is shown.

According to an embodiment of the present invention, the server 100 collects point usage information of the point spending lender client (1200), and corresponds to the transfer amount information provided by the point spending lender client to the money borrowing client. When the point settlement amount information is generated (1203) and the collected point consumption client information and the point settlement amount information are transmitted to the point server 155 (1205), the point server 155 receives the server ( Check the point consumption information client point usage information and the point settlement amount information transmitted from 100, and store the point settlement amount information in the point D / B 160 (1210), and use the point consumption client point information; The points held by the point spending lender client corresponding to the number of points is reduced (1215).

Thereafter, the point server 155 applies a conversion rate to the point consumption lender client point usage information, calculates an amount corresponding to the point consumption lender client point usage information (1220), and calculates the calculated amount of money from the server. If it is provided to (100) (1225), the server 100 checks the amount of money provided from the point server 155 (1230), updates the point settlement amount information, and provides it to the point server 155 ( 1235), the point server 155 checks the updated point settlement amount information provided from the server 100 and stores it in the point D / B 160 associated with the point server 155. Will be terminated.

FIG. 13 illustrates a process of calculating transfer amount information generated in the server in connection with the point server in performing a loan using points according to another embodiment of the present invention.

More specifically, according to the process shown in FIG. 13, in the process of processing the borrowing between the point spending lender client and the money lending client, the transfer provided by the point spending lender client to the money lending client The process of the server 100 and the point server 155 in connection with the transfer amount information and the point settlement amount information corresponding to the amount is shown.

According to an exemplary embodiment of the present invention, the server 100 collects the transfer amount information of the point spending lender client (1200), and corresponds to the transfer amount information provided to the money-consuming borrower client by the point spending tenant client. When the point settlement amount information is generated (1203) and the collected transfer amount information and the point settlement amount information are transmitted to the point server 155 (1205), the point server 155 is transmitted from the server 100. The transfer amount information and the point settlement amount information are checked and the point settlement amount information is stored in the point D / B 160 (1310).

Thereafter, the point server 155 calculates a use point of the point consumption client by applying a conversion rate to the transfer amount information of the point consumption client, in operation 1315, and the point corresponding to the use point of the point consumer client. The consumer-client retention points are reduced (1320).

Then, when the point server 155 provides the amount corresponding to the transfer amount information to the server 100 (1325), the server 100 checks the amount provided from the point server 155 (1230) ), The point settlement amount information is updated and provided to the point server 155 (1235), and the point server 155 checks the updated point settlement amount information provided from the server 100 to the point server. By storing at point D / B 160 associated with 155, a series of processes are terminated.

According to the present invention, a money-consuming borrower client terminal borrowing predetermined money and a point-consuming client terminal for transferring a predetermined amount of money to the money-consuming borrower client and money consumption between the money-consuming client terminal and the point-consuming client client terminal By using a point-to-point loan system that includes a server relaying a loan, the borrower can use a point-to-point loan between the money-consuming borrower client and the point-consuming loan client, thereby allowing the points of the point-consuming loan client to be used. As it is used for the purpose of providing money to the user, it is possible to expect a significant synergistic effect on the utilization of points, and to activate the use of the service. And there is an advantage that the management can be carried out more conveniently.

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

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

Claims (14)

In the method of borrowing money using points, A second step of receiving or selecting predetermined money consumption loan condition information from the consumer client terminal when the server accesses the consumer electronic client terminal; A third step of confirming, by the server, the money consumption loan client holding point information (or the amount information corresponding to the points) corresponding to the money consumption loan condition information; A fourth step of receiving, at the server, the commitment information of the money consumption loan client with respect to the money consumption loan condition information in association with the money consumption loan client terminal; A fifth step of depositing, by the server, an amount corresponding to the money consumption client client holding point into the money consumption client client virtual account; And And a sixth step of transferring, from the server, the amount of money deposited in the cash consumption client virtual account into the money consumption client client virtual account. The method of claim 1, The method for borrowing money using points, characterized in that the server further comprises the step of granting a virtual account for the borrowing of money using the point to the predetermined money-consuming borrower client and the predetermined money-consuming borrower client. The method of claim 1, wherein any one of the first to second steps, Method of borrowing money using points, characterized in that the server further comprises the step of verifying the official certificate of the consumer or client provided with an electronic signature. The method of claim 1, wherein the third step, Method of borrowing money using points, characterized in that the server further comprises the step of verifying the authorized certificate of the client or the consumer provided with an electronic signature. The method of claim 1, wherein the third step, And providing the money consumption loan condition information from the server to the money consumption client terminal. The method of claim 1, wherein the third step, And providing money consumption loan condition information to the money consumption client terminal when the money consumption client terminal is accessed by the server. The method of claim 1, wherein the commitment information of the money lender client, The method of borrowing money using points, characterized in that the money consumption loan client includes information to agree to the money consumption loan conditions. The method of claim 1, wherein the fifth step, The server further comprises the step of storing the cash consumption loan condition information in association with the authorized client or the electronic signature information of the consumer and the consumer loan client, and storing the information on the storage medium. How to borrow money. The method of claim 1, A sixth step of automatically transferring an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition in the server after a predetermined period of time after transferring the money to the money borrowing client virtual account; And And a seventh step of adding the calculated interest amount to the borrowed amount at the server. The method of claim 1, Automatically transferring an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition in the server after a predetermined period of time, after transferring the money to the money borrowing client virtual account; And And providing the calculated interest amount information on the server to the borrowing client or the borrowing client of the money. The method of claim 1, Checking the money repayment period corresponding to the money consumption loan condition at the server after a predetermined period of time after transferring the money to the consumer borrower client virtual account; And And notifying the money consumption borrowing client or the money consumption lending client of the check result of the money repayment period at the server. The method according to any one of claims 1 to 11, wherein the money consumption loan condition information, Method of borrowing money using points characterized in that it comprises at least one of information included in the loan certificate or information on the loan agreement The method according to any one of claims 1 to 12, wherein the money consumption loan condition information, A method of borrowing money using points, characterized in that it includes at least one or more of identification information, borrowing amount information, borrowing date information, repayment period information, interest rate information, delinquent interest rate information, and guarantor information for the borrowed money. The method of claim 1, wherein the money lender client and the money consumer client, Method of borrowing money using points, characterized in that the individual or company or group or group.

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