KR20090078452A - System and method for lending in money by using point - Google Patents

Abstract

A money loan method using points and a system thereof are provided to automatically calculate predetermined interest money in accordance with a money loan, through programs installed in a money debtor client's terminal and a point money creditor client's terminal. If a point money creditor client agrees with money debt and credit condition information selected or inputted by a money debtor client, the point money creditor client provides money transferring information on a money loan and commitment information corresponding to money debt and credit condition information to a server, through a program installed in the point money creditor client's terminal(1095). The server receives and confirms the commitment information from the installed program. The commitment information is stored in a storage medium in association with information on the condition information, and information on the creditor and debtor clients.

Description

System and Method for Lending 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 simple conceptual diagram of a process for borrowing money using a predetermined program installed in a client terminal according to a preferred embodiment of the present invention.

4 is a simple flowchart of a borrowing process using a predetermined program installed in a client terminal according to a preferred embodiment of the present invention.

Figure 5 is a simplified illustration of a program screen for entering or selecting the money consumption loan contract information according to a preferred embodiment of the present invention.

FIG. 6 is a simplified illustration of a program screen for a cash consumption borrower client to input or select commitment information for money consumption loan condition information according to a preferred embodiment of the present invention.

7 is a simple flowchart of a borrowing process using a predetermined program installed in a client terminal according to a preferred embodiment of the present invention.

8 is a diagram illustrating an example of a program screen 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.

9 is a simple conceptual diagram of a borrowing process using a predetermined program installed in a client terminal according to another preferred embodiment of the present invention.

10 is a simple flowchart of a borrowing process using a predetermined program installed in a client terminal according to another preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: information receiving unit

107: virtual account processing unit 109: point processing unit

110: fund transfer 115: certification

117: information verification unit 119: settlement processing unit

120: storage unit 125: storage medium

130: consumer terminal client terminal

135: Point to client client terminal

140: (Banking) Program 142: Point Server

145 points D / B 150 members D / B

The present invention provides a first step of executing a predetermined program installed on a consumer client terminal borrowing money corresponding to the point from a money consumer client having a predetermined point, and the predetermined program installed on the consumer client terminal. A second step of providing predetermined money consumption loan condition information corresponding to the borrowing money to the server, and money consumption loan client holding point information corresponding to the money consumption loan condition information at the server (or amount information corresponding to the holding point); Step 3), and in connection with the money-consuming client terminal (or a predetermined program installed in the money-consuming client terminal) at the server, A fourth step of receiving commitment information; A fifth step of depositing an amount corresponding to the money consumption client client holding point in the server into the money consumption client client virtual account (or account); and depositing the amount deposited in the money consumption client client virtual account in the server. The present invention relates to a method of borrowing money using a point, which includes a sixth step of transferring to a consumer client virtual account (or 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. It provides various types and types of points to clients and allows 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 return it after the consumer has consumed it.

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 first step of executing a predetermined program installed in the consumer borrowing client terminal borrowing the money corresponding to the point from the money consumer loan client having a predetermined point, and the consumption A second step of providing predetermined money consumption loan condition information corresponding to the money borrowing to a server in a predetermined program installed in the borrower client terminal; and money consumption loan client possession point information corresponding to the money consumption loan condition information at the server; The third step of checking (or the amount of money information corresponding to the holding point) and the money consumption loan condition in connection with the money lender client terminal (or a predetermined program installed in the money lender client terminal) in the server. Of the above lender client for information A fourth step of receiving commitment information, 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 (or an account), and the money consumption at the server; The present invention provides a method for borrowing money using a point including a sixth step of transferring the amount of money deposited in a lender's client virtual account to the lender's client virtual account (or account).

The method of borrowing money using a point according to the present invention includes a first step of executing a predetermined program installed in a borrowing client terminal borrowing money corresponding to the point from a money consuming client having predetermined points; A second step of providing predetermined money consumption loan condition information corresponding to the money borrowing to a server in a predetermined program installed in the borrower client terminal; and money consumption loan client possession point information corresponding to the money consumption loan condition information at the server; The third step of checking (or the amount of money information corresponding to the holding point) and the money consumption loan condition in connection with the money lender client terminal (or a predetermined program installed in the money lender client terminal) in the server. Said money lender client for information A fourth step of receiving commitment information of the second step; depositing, by the server, an amount corresponding to the money lender client holding point into the money lender client virtual account (or account); and the money at the server And a sixth step of transferring the amount of money deposited in the consumer loan client virtual account to the money borrowing client virtual account (or 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 invention, the first step, characterized in that further comprises the step of performing the user authentication of the money-consuming client, when executing a predetermined program.

According to the present invention, the first step is characterized in that the predetermined program further comprises the step of confirming the official certificate or the electronic signature of the borrower client.

According to the present invention, the second step further comprises the step of providing an authorized certificate or electronic signature information of the cash consumption client to the server in a predetermined program installed in the money consumption client terminal. do.

According to the present invention, the second step may further include the step of verifying an authorized certificate of the client, or receiving an electronic signature of the client, in connection with a predetermined program installed in the client device for money consumption on the server. Characterized in that made.

According to the present invention, the fourth step is characterized in that the server further comprises the step of verifying the authorized certificate of the client, or the electronic signature of the money-consuming client.

According to the present invention, the fourth step, in conjunction with a predetermined program installed on the money-consuming client terminal in the server, the step of checking the official certificate of the money-consuming client, or receiving an electronic signature It is characterized by comprising.

According to the present invention, the fourth 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 fourth step may further include extracting the money consumption loan condition information in association with the server in a predetermined program installed in the money consumption client terminal.

According to the present invention, in the fourth step, 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 fourth step may include: storing, on the storage medium, the cash consumption loan condition information in association with the authorized client or the electronic signature information of the consumer loan client and the client; It is characterized in that it further comprises.

According to the present invention, the method for borrowing money using the point, the predetermined amount of money on the predetermined storage medium in the predetermined program installed on the money-consuming client terminal or the predetermined program installed on the money-consuming client terminal. And further comprising the step of storing.

According to the present invention, in the method of borrowing money using the point, after transferring the money to the cash consumer client virtual account (or account), after a certain period of time, the money consumer loan client terminal or money consumer client terminal Outputting the loan condition of money consumption to the money loan client terminal or the money loan client terminal in a predetermined program installed in the money consumer client terminal or the money consumer client terminal when executing a predetermined program installed in the program; It is characterized by comprising.

According to the present invention, the method of borrowing money using the point, after the transfer of the money to the money consumer borrowing client virtual account (or account), a predetermined period of time, the predetermined installed on the server or the money consumer loan client terminal And automatically calculating an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition in a program or a predetermined program installed in the money consumption client terminal.

According to the present invention, the method of borrowing money using the point, after the transfer of the money to the money consumer borrowing client virtual account (or account), a predetermined period of time, the predetermined installed on the server or the money consumer loan client terminal A seventh step of automatically calculating an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition in a program or a predetermined program installed in the money consumer client terminal and the server or the money consumer client terminal And an eighth step of adding the calculated interest amount to the borrowed amount in a predetermined program or a predetermined program installed in the borrower's client terminal.

According to the present invention, the method of borrowing money using the point, after the transfer of the money to the money-consuming borrower client account (or virtual account), after a certain period of time, a predetermined installed on the server or the money-consuming client loan terminal Checking a monetary repayment period corresponding to the monetary borrowing condition in a program or a predetermined program installed in the monetary borrowing client terminal and a predetermined program or the monetary borrowing program installed in the server or the monetary borrowing client terminal And notifying the cash consumption borrower client and / or the money consumption loan client in the predetermined program installed in the client terminal.

According to the present invention, in the method of borrowing money using the points, when the money-consuming borrower client repays the money to the money-consuming client, the money-consuming borrower client in a predetermined program installed in the server or the money-consuming client client terminal. Extracting predetermined money consumption loan condition information associated with the information, from the amount of money information or period information reimbursed by the money borrowing client client in a predetermined program installed in the server or the money lending client terminal, and the storage medium; Determining whether the money consumption loan condition information is extracted; and when the amount of money information or period information reimbursed by the money borrowing client is in accordance with the money consumption condition information, the server or the money consumption loan Cly In a predetermined program installed in the agent terminal is characterized in further comprising a step of issuing an electronic document containing the alphanumeric predetermined function corresponding to the cash payment to the cash consumption Borrower client.

According to the present invention, the money consumption loan condition information is characterized by including information included in the loan certificate or money consumption 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 client terminal is characterized in that it comprises a wired terminal or a wireless terminal.

According to the present invention, the client terminal, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), smart phone ( Smart Phone), characterized in that it comprises a wireless terminal comprising at least one or more telematics.

On the other hand, the system for borrowing money using the point according to the present invention, a money-consuming borrower client terminal borrowing a predetermined money and a money-consuming loan client terminal and the money to provide money corresponding to a predetermined point to the money-consuming borrower client And a server for relaying a loan of money consumption between the borrowing client terminal and the money lending client terminal, wherein the server is a predetermined program corresponding to the money borrowing from a predetermined program installed in the borrowing client terminal. An information receiving unit (1) for receiving money consumption loan condition information, an information confirmation unit for confirming the money consumption loan client holding point information (or the amount information corresponding to the holding point) corresponding to the money consumption loan condition information; Money Consumption Client An information receiver 2 for receiving confirmation information of the money lender client with respect to the money lending condition information in association with a horse (or a predetermined program installed in the money lender client terminal); and the money lender Deposit the amount corresponding to the client holding points into the money-consuming client virtual account (or account), and transfer the amount deposited into the money-consuming client virtual account to the cash-consuming client virtual account (or account). Characterized in that it comprises a fund transfer to.

According to the present invention, the server further comprises a virtual account processing unit for granting a predetermined money consumption borrowing client and a predetermined money consumption lending client a virtual account for borrowing money using points.

According to the present invention, the server further comprises a user authentication unit for authenticating a user of the money-consuming client when executing a predetermined program.

According to the present invention, the server, in conjunction with a predetermined program installed on the money-consuming borrower client terminal, characterized in that it further comprises an authentication unit for verifying the official certificate of the money-consuming borrower client or receiving an electronic signature. do.

According to the present invention, the server is characterized in that it further comprises an authentication unit for verifying the official certificate of the money-consuming client or the electronic signature.

According to the present invention, the server, in conjunction with a predetermined program installed on the money-consuming client terminal, further comprising an authentication unit for confirming the authorized certificate of the money-consuming client or receiving an electronic signature. do.

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 the present invention, the server, an information storage unit for storing the money consumption loan condition information in a predetermined storage medium in a predetermined program installed on the money-consuming client terminal or a predetermined program installed on the money-consuming client terminal. It is characterized in that it further comprises.

According to the present invention, the server transfers the money to the cash consumer client virtual account (or account), and after a certain period of time, a predetermined amount of money installed on the money consumer client client terminal or money consumer client client terminal; When the program is executed, and further comprising an output unit for outputting the money consumption loan conditions to the money consumption client client terminal or the money consumption client client terminal in a predetermined program installed in the money consumer client terminal or money consumer client client terminal; It features.

According to the present invention, the server transfers the money to the cash consumer's client virtual account (or account), and after a predetermined time, a predetermined program or the money installed in the server or the money consumer's client terminal. And an interest processor configured to automatically calculate an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition information in a predetermined program installed in the consumer client terminal.

According to the present invention, the money consumption loan condition information is characterized by including information included in the loan certificate or money consumption 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 client terminal is characterized in that it comprises a wired terminal or a wireless terminal.

According to the present invention, the client terminal, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), smart phone ( Smart Phone), characterized in that it comprises a wireless terminal comprising at least one or more telematics.

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, the system for borrowing money according to the present invention consumes points for transferring a predetermined amount of money to the borrower client terminal 130 and the money-consuming borrower client operated by the borrowing client. The server 100 relays the loan between the point-consuming client terminal 135 and the money-consuming client terminal 130 and the point-consuming client terminal 135 operated by the client, and the server 100. It may be configured to include a point server 142 for providing the point information of the money consuming client corresponding to the money consuming client information in association.

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

In more detail, according to one embodiment of the present invention, when the server 100 confirms the confirmation information of the borrower client borrowing a predetermined amount of money, the server 100 is associated with the point server 142. By confirming the point provided by the program 140 installed in the point consumption host client terminal 135, and the agreement between the point server 142 and the server 100 to the point confirmed by the server 100 Converting into money corresponding to the total points, applying the converted rate to the virtual account of the point-consuming client, and transferring money to the virtual account of the borrowing client. It is done.

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 consumer money borrowing client group borrowing the money; When confirming predetermined commitment information provided through the program 140, the server 100 collects points paid by the at least one point consumption client terminal 135 in connection with the point server 142. Check the total points, convert the total points to the money corresponding to the total points by applying a conversion rate according to the agreement between the point server 142 and the server 100, and convert Deposit the money into the virtual account of the point-consuming client group and confirm the point-consuming client group; Through the process, the money is provided by transferring the virtual account of the borrower client or the virtual account of the borrower client group.

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 142 and the server 100, money corresponding to the point may be transferred to a real account.

Preferably, the money-consuming borrower client terminal 130 and the point-consuming loan client terminal 135 are provided with a predetermined program 140 (eg, the predetermined program 140, etc.) to interoperate with the server 100. can do.

Here, the client terminal may include a wired terminal or a wireless terminal. For example, when the client terminal is a wireless terminal, a personal communication system (PCS), global system for mobile communications (GSM), and a personal digital cellular (PDC) device may be used. It may include at least one, a personal handyphone system (PHS), a personal digital assistant (PDA), a smart phone, a telematics.

Preferably, the money based on predetermined money consumption loan condition information (e.g., confirmation information for borrowing money, borrowing amount information, borrowing date information, repayment period information, interest rate information for borrowing amount, delinquent interest rate information, guarantor information, etc.) The server 100 that performs the transfer service from the program 140 installed in the point-consuming client terminal 135, the money transfer information for money borrowing according to the present invention and the money consumption loan condition information according to the money transfer Received, and can be stored (or temporarily stored) in a predetermined storage medium 125, the money transfer information and the money consumption loan condition information provided from the program 140 installed on the money consumption client terminal 130 Set in the money-consuming borrower client terminal 130 or the money-consuming borrower client terminal 130 to receive the money transfer. And providing predetermined confirmation information on the money consumption loan condition information associated with the money vehicle from the program 140 installed in the money consumption client client terminal 130 and providing the program 140. Based on the information, a point corresponding to the consumption-consuming client point usage information provided by the program 140 installed in the point-consuming client terminal 135 is converted into money and a predetermined amount is converted into a virtual account of the point-consuming client. After transferring the money, the money is transferred to the virtual account of the consumer client after checking the consumer client.

For example, the server 100 applies a conversion rate according to an agreement between the point server 142 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 142 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 after confirming the point consumption lender client point usage information from the point server 142.

In addition, the program 140 installed in the borrower client terminal 130, when the amount of money transfer to the virtual account of the borrower client, generates a predetermined money consumption loan condition information with a predetermined money transfer information server Provided by 100.

In addition, the program 140 interlocks with the server 100 after the transfer of money, and provides the point consumption client condition information corresponding to the money consumption loan condition information or the condition execution information corresponding to the money consumption loan condition. Can be output to the image.

In addition, the program 140 may perform user authentication when the program 140 is executed, and may store the money consumption loan condition information on a predetermined storage medium 125.

In addition, the program 140 may automatically calculate an interest amount based on a predetermined interest rate corresponding to the loan condition for money consumption after a predetermined period of time after the transfer of money to the borrower client virtual account.

Here, the condition execution information may include interest rate information generated in response to the money loan condition or money repayment period information corresponding to the money loan condition.

For example, the interest rate information applied to calculate the interest amount to be provided to the consumer loan client by the consumer client may be included in the loan condition information of the money, and the interest rate information may be expressed as a percentage of the loan amount ( For example, 5 per year, 1 per month, etc.), or a ratio of interest per day to 100 won.

Here, the interest rate may be determined by mutually negotiating consumption loan condition information between the consumer loan client and the consumer borrower client (eg, contracted interest rate), but by law, a certain rate (eg, 5 punctures per year, 6 punctures, etc.) It can be determined by determining

According to a preferred embodiment of the present invention, the interest amount is automatically calculated through the program 140. The amount borrowed by the borrower client from the point consumer loan client is 20,000,000 won, and the loan amount is based on the loan condition information. If the predetermined interest rate is one penny a month, the interest amount calculation unit of the server 100 at the time when one month elapses from the date when the borrower client borrows the borrower 20,000,000 from the point consumer lender client, An interest rate may be applied to calculate an interest amount (for example, 20,000,000 won × 0.01 = 20,000 won).

The point server 142 according to the embodiment of the present invention provides the point information corresponding to the point consumption client information to the server 100, and provides the point consumption client provided from the server 100. After confirming the point usage information, the point corresponding to the point consumption lender client point usage information is reflected in the point D / B, characterized in that for storing.

The point D / B 145 associated with the point server 142 stores at least one point information corresponding to the point consumption client information and the member information, and the point information is held by the point consumption client. And corresponding points.

In addition, the point D / B 145 is the point server 142 to 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 recording whether or not the payment is made to the server 100.

The member D / B 150 associated with the point server 142 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 of the point consumption client information stored in the member D / B 150 is stored in association with at least one or more of the member information, corresponding to a specific point consumption client information from the server 100 When requesting the point information, the point server 142 provides 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 150. To do it.

The server 100 according to an embodiment of the present invention may include a storage medium 125 for storing money transfer related information according to money consumption loan condition information between the point consumer loan client and the money consumer loan client. By providing the information receiving unit 105, the virtual account processing unit 107, the storage unit 120, etc., implements the process for borrowing money according to the present invention.

Preferably, the information receiving unit 105 of the server 100 is linked to a predetermined program 140 installed in the point-consuming client terminal 135, the predetermined program (installed in the consumer-client terminal 130 ( 140, predetermined money transfer information and money consumption loan condition information corresponding to the money transfer are received.

In addition, the information receiving unit 105 in conjunction with a predetermined program 140 installed in the point consumption client terminal 130 or the point consumption client terminal 130, the point for the money consumption condition information Receive the confirmation information of the consumer client.

In addition, when the information receiving unit 150 is linked with the point server 142, the information receiving unit 150 may be provided with point information corresponding to the money consuming client information from the point server 142.

The virtual account processor 107 of the server 100 receives the subscription application information for the point-consuming client terminal 135 to receive a loan service using the points provided by the server 100. ), The server 100 generates a virtual account corresponding to the input information (eg, the point consumption client information) of the point consumption client, and assigns the virtual account to the point consumption client. do.

For example, the virtual account provided by the virtual account processor 107 serves as a deposit account that receives money corresponding to a point held by the point consumer loan client, and a remittance 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.

Preferably, the storage unit 120 processes the money consumption loan condition information in association with the consumer loan client and the money consumer information and stores the information on a predetermined storage medium 125.

In addition, the storage unit 120 may store the money consumption loan condition information in association with an authorized certificate or electronic signature information of the consumer loan client and the money consumer loan client in the storage medium 125.

In addition, the storage unit 120 of the server 100 may store the point consumption lending client point usage information in a predetermined storage medium 125 in association with the money consumption client information.

Preferably, the server 100 is a point processing unit 109, fund transfer unit 110 and authentication unit 115, information confirmation unit 117, settlement processing unit 119, storage unit for a smooth implementation of the present invention It may be configured to further include (120).

When the information receiving unit 105 receives the point information provided from the point server 142, the point processing unit 109 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 109 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 142. Characterized in that the amount of money information.

In addition, the point processing unit 109, when the authentication unit 115 is connected to the point server 142, and extracts the point information corresponding to the point consumption lending client information from the point server 142, the point information After confirming, by applying a conversion rate according to the agreement between the server 100 and the point server 142, the amount of money information corresponding to the point information is generated.

The money transfer unit 110 refers to the money transfer information received by the information receiving unit 105, and transfers the money to the virtual consumer account client virtual account.

In addition, the money transfer unit 110 may transfer the money to the real account of the money-consuming borrower client when the money-consuming borrower client has a real account.

In addition, when the point processing unit 109 generates the amount of money information corresponding to the point information of the point spending lender client, the money transfer unit 110 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 authentication unit 115 interoperates with a predetermined program 140 installed in the point spending lender client or the point consumption lender client terminal 135 to check an official certificate of the point consumption lender client or provide an electronic signature. Receive.

In addition, the authentication unit 115 checks the electronic certificate or the electronic signature of the money consuming client in conjunction with a predetermined program 140 installed in the money consuming client or the money consuming client terminal 130. Can be provided.

The information confirming unit 117 of the server 100 checks the point information of the point consumption client corresponding to the point consumption client information in association with the point server 142 and sends the information to the point consumption client terminal. By providing the program 140 installed in the point consumption host client terminal 135 is characterized in that to confirm the point information.

For example, when the program 140 installed in the point-consuming client terminal 135 accesses the server 100, the information checking unit 117, which is a component of the server 100, receives the information receiving unit 105. The point server requesting information corresponding to the point consumer information received by the client to the point server 142, and the point server 142 confirming the point information request information corresponds to the point information request information. When providing the point information of the point consumption host client to the server 100, the information checking unit 117 checks the point information and provides it to the program 140.

In addition, when the program 140 installed in the point consumption client terminal 135 accesses the server 100, the information checking unit 117 of the server 100 corresponds to the point consumption client information. The point server 142 is connected to the point server 142 to extract point information, and the point server 142 matching the point consumption client information and the member information stored in association with the point consumption client information is stored in the point server 142. The program 140 is checked in the member D / B (150) associated with the information, and the extracted point information corresponding to the confirmed member information in the point D / B is extracted and installed in the point consumer account client terminal It is characterized in that to provide.

For example, the point information corresponding to the point spending lender client information extracted by the information checking unit 117 may be set in the point spending tenant client terminal so that the point spending tenant client provides money to the money borrowing client. Characterized in that provided by the program 140.

The settlement processing unit 119 of the server 100 periodically (eg, at a predetermined time 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 142, 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 125.

According to an exemplary embodiment of the present invention, the settlement processing unit 123 of the server 100 stores the point settlement amount information together with the point usage information corresponding to the transfer amount of the point consumption lender client to the point server 142. If one or more are collected and provided, the point server 142 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. The updated point information reflecting the point reduction is stored in the point D / B associated with the point server 142, and the conversion rate according to the agreement concluded between the server 100 and the point server 142 is applied to the amount. After converting, the amount of money is provided to the server 100, and the received point settlement amount information is received from the server 100, received and confirmed. It characterized in that stored in the STE D / B (145).

According to another exemplary embodiment of the present invention, the payment processing unit 123 of the server 100 transfers the money to the lending customer according to the point to the lending client provided by the point spending lender client to the point server 142. Collecting and providing at least one amount of money information, the point server 142 confirms the transfer amount information delivered from the server 100, the agreement concluded between the server 100 and the point server 142 After converting into points by applying the conversion rate according to the following, the points for each customer of the money consumption loan customer is reduced, the amount corresponding to the transfer amount information is provided to the server 100, the point updated from the server 100 Receive and confirm the settlement amount information, characterized in that stored in the point D / B (145).

On the other hand, the server 100 according to an embodiment of the present invention, in conjunction with a predetermined program 140 installed in the consumer home client terminal 130, a predetermined program installed in the consumer client terminal 130 Receives predetermined money consumption loan condition information corresponding to the borrowing from the 140, and interlocks with a predetermined program 140 installed in the point consumption client terminal 135 or the point consumption client terminal 135 Thus, the information receiving unit 105 for receiving the confirmation information of the point spending lender client and the predetermined transfer information corresponding to the money transfer and the money lending condition information for the money lending condition information for the money lending client condition information; It is provided with a storage unit 120 for storing in a predetermined storage medium (125) by processing in conjunction with the money consumption client information. Can be configured to

On the other hand, according to the present invention, when the money consumption borrowing client terminal 130 transfers the amount of money from the point consumer loan client, the predetermined amount of money consumption loan condition information with the predetermined money transfer information to provide to the server 100 A function of outputting the money consumption loan condition information or condition execution information corresponding to the money consumption loan condition on the money consumption client terminal 130 in conjunction with the server 100 after the function and the money transfer; And a recording medium which records a program 140 for realization.

The condition execution information corresponding to the money consumption loan condition may include interest rate information generated corresponding to the money consumption loan condition or money repayment period information corresponding to the money consumption loan condition.

In addition, the storage unit 120 of the server 100 may store the point consumption lending client point usage information in a predetermined storage medium 125 in association with the money consumption client information.

Preferably, the program 140 may further realize a function of authenticating a user when the program 140 is executed and a function of storing the money consumption loan condition information in a predetermined storage medium 125.

In addition, the program 140 may further include 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 the money transfer to the money consumption client client virtual account. Can be realized.

The money-consuming borrower client information may further include real account information of the point-consuming loan client.

Preferably, the recording medium is located in a client wired terminal or a wireless terminal.

The client wireless terminal may include a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), a personal handyphone system (PHS), a personal digital assistant (PDA), and a smart phone. It may be configured to include at least one telematics.

2 is a schematic diagram of an information storage medium 125 according to a preferred embodiment of the present invention.

Referring to FIG. 2, the information storage medium 125 according to the present invention includes a consumer information data file for storing borrower client information borrowing predetermined money, a money consumer client or a money consumer client terminal. Money consumption loan condition information data file 200 for storing the predetermined money consumption loan condition information provided from the predetermined program 140 installed in the 130 and information of the consumer loan client to transfer money to the money consumer client And a consumer-consuming client information data file 205 for storing information and a consumer-consuming client information data file 210 for storing information of the money-consuming client and a point-consuming client information data file 215 for storing the information. Can be.

Preferably, the consumer's client information data file and the loan's loan condition information data file 210 may be stored in association with each other.

In addition, the storage medium 125 may further store the official certificate or electronic signature information of the consumer or consumer loan client, and may further store predetermined interest amount information calculated in response to the loan condition information. have.

According to FIG. 2, the borrower client information data file 200 included in the storage medium 125 transfers a predetermined amount of money from another client (point consumer loan client) according to a predetermined money consumption loan condition according to the present invention. Money-related borrower client-related information that is received (borrowing the amount of money) and repaid the borrowed amount to the point-consuming loan client according to the money-consuming loan condition.

For example, the borrower client information recorded in the borrower client information data file may be configured to include a 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 loan client information data file 205 included in the storage medium 125 receives a predetermined amount of money in accordance with a predetermined loan condition for borrowing money according to the present invention (point consumer loan client). Information related to the point-consuming client, which is provided to the user (for money transfer) and the money is repaid from the money-consuming client according to the money-consumption loan condition.

For example, the point consumed client information recorded in the point consumed client information data file 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 125 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 information on loan condition for money consumption.

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. The loan condition information data file 210 may be further included.

Preferably, the loan condition information for money consumption 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.

According to the present invention, the point consumption client client point usage information data file 215 included in the storage medium 125 may be converted into point information and money converted corresponding to the point consumption client 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 simplified conceptual diagram of a borrowing process using points in accordance with a preferred embodiment of the present invention.

FIG. 3 is a diagram illustrating predetermined money consumption loan condition information corresponding to money borrowing between a point-consuming client and a money-consuming client in performing a loan between a point-consuming client and a money-consuming client using points according to the present invention. It is characterized in that the point-consuming client for performing a money transfer to the borrowing money through the predetermined program 140 installed in the point-consuming client terminal 135.

For example, the money consumption loan condition information selected or input by the point spending lender client using the program 140 installed in the point consumption lender client terminal 135 receives the money through the server 100. It may be provided to the program 140 installed on the consumer terminal 130, the money-consuming client to the loan condition information provided from the program 140 installed on the point consumer client terminal 135 By providing commitment information to the server 100 using the program 140 installed on the money-consuming borrower client terminal 130, money borrowing between the point-consuming loan client and the money-consuming borrower client can be made.

Referring to FIG. 3, the point consumption host client drives a predetermined program 140 installed in the point consumption client terminal 135 (eg, a predetermined program 140 interworking with the server 100, etc.). (1-1), if the program 140 connects to the server 100 for money transfer (1-2), the server 100 confirms the connection of the program 140 and the point The point-of-consumption client point information request information is transmitted to the server 142 (1-3), and the point server 142 having confirmed the point-of-consumption client point information request information is the consumer-client point corresponding to the request information. Information is provided to the server 100 (1-4).

Thereafter, the predetermined money transfer information and the money consumption loan condition information corresponding to the money transfer are input or selected through the predetermined program 140 installed in the money borrowing client terminal 130 (2-1). The program 140 provides the money transfer information and the money consumption loan condition information to the server 100 (2-2).

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, when the money-consuming borrower client has a real account, the real account information of the money-consuming borrower client may be further added to the point-consuming borrower client information data file 205.

Thereafter, the server 100 provides the money consumption loan condition information to the consumer borrower client program (3-1), and the consumer borrower who has received and confirmed the money consumption loan condition information provided by the server 100. The client program 140 provides commitment information about the condition information to the server 100 (3-2).

Subsequently, the server 100 processes the money consumption loan condition information in association with the consumer loan client and the consumer money client information based on the received confirmation information of the point consumer loan client, and stores a predetermined storage medium 125. (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 142. (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 125, and converts the calculated amount into the borrowing amount ( 6) or in the storage medium 125 in association with the borrowed amount.

4 is a simple flowchart of a borrowing process according to a preferred embodiment of the present invention.

Figure 4, in performing the borrowing between the point consumer loan client and the money consumer loan client in accordance with the present invention, the money consumption loan condition information for the money loan is established by the point consumer loan client, the money consumption loan condition A process of transferring a predetermined amount of money to the money-consuming borrower client virtual account by information is shown.

Referring to Figure 4, according to the present invention according to the present invention, the money transfer consumer loan client who wants to transfer money to the virtual account of the money consumer borrower client according to a predetermined contract condition (for example, money consumption loan condition information, etc.) A predetermined program 140 (eg, a predetermined program 140 provided by the server 100, etc.) installed in the terminal 135 is driven (400), and the money transfer consumer loan client is provided through the program 140. From the process of validating the validity of the preferred borrowing process shown in Figure 4 is initiated (405).

Here, the validity verification of the consumer loan client through the program 140 is mounted on the money transfer consumer loan client terminal 135 (or a storage medium 125 such as a smart card connected to the client terminal). It is preferable to use an authorized certificate of the point consumption host client, for example, to create an electronic signature with the private key value included in the authentication certificate through the client security module mounted on the point consumption host client terminal 135 and the program In connection with 140 or the server 100, the point consuming client may be verified as being a legitimate client by verifying the public key value of the point consuming client.

If the validity authentication of the money consumer client fails (410), the program 140 outputs an authentication failure message (415). On the other hand, if the validity authentication of the borrower client through the program 140 is successfully performed (420), the server 100 checks the point information corresponding to the point consumer loan client information, the point The menu and point information is transmitted to the program 140 installed in the consumer loan client terminal (423), and the function of the program 140 is activated in earnest and the money borrower client is presented by the program 140. A monetary menu according to the present invention is selected from at least one service menu (425).

For example, as shown in FIG. 5 below, the consumer loan client uses money transfer information (eg, virtual account information, password or secret key information, user authentication information, etc.) through the program 140 installed in the client terminal. And input or select monetary loan condition information (e.g., confirmation information for borrowing money, borrowing amount information, borrowing date information, repayment period information, interest rate information for the borrowing amount, delinquent interest rate information, guarantor information, etc.) (430). ).

Figure 6 below for better understanding of the present embodiment is shown a simple example of the input or selection of money loan agreement information through the program 140 installed on the client terminal.

If the money menu according to the present invention is selected from the at least one service menu presented by the program 140 from the borrower client, the program 140 installed in the point consumer loan client terminal 135 is according to the present invention. The server 100 provides the input or selected money transfer information and money loan condition information from the point consumer account client (435).

At this time, the server 100 stores the money transfer information and the money consumption loan condition information received from the program 140 installed in the point consumption client terminal 135 in association with the point consumption client information and the like. 125 may be stored (or temporarily stored, etc.) (440).

Thereafter, the server 100 checks the operation of the program 140 installed in the money-consuming client terminal 130 to receive money transfer from the point-consuming client according to the present invention (445).

At this time, the program 140 installed in the borrowing client terminal 130 is the same as the program 140 installed in the point-consuming client terminal 135 authenticates the point-consuming client, the money; Authentication can be performed for the consuming client.

As described above, the authentication for the money-consuming borrower client may be performed through authentication of access information (for example, a unique code and a password) of the money-consuming borrower client and the money-consuming borrower client terminal 130 (or the client terminal). It may be possible by using an authorized certificate of the borrower client of the money on the storage medium 125, such as a connected smart card.

If the authentication for the money consuming client fails from the program 140 installed in the money consuming client terminal 130 (450), the program 140 may output an authentication failure message (455). .

On the other hand, if the authentication for the money-consuming borrower client from the program 140 is successfully completed (460), the server 100 checks the money-consuming borrower client information through the program 140 (465) ), Extracts the money consumption loan condition information stored in association with the money consumption borrower client from the storage medium 125, and the point consumer account client terminal with the program 140 installed in the money consumption client terminal 130; Money consumption loan condition information received from the program 140 installed in 135 is provided (470).

Here, if the consumer client receiving the money loan condition information through the program 140 installed in the money consumer client terminal 130 does not agree with the money loan condition information (475), the money consumer borrower The client may provide the money consumption loan condition information rejection message to the server 100 through the program 140 (480).

Then, the server 100 transmits a rejection message for the money consumption loan condition information received from the program 140 installed in the terminal of the money-consuming client to the program 140 installed in the point-consuming client terminal 135. The transmission can be notified (485).

On the other hand, if the borrower client agrees with the loan condition information (490), as shown in Figure 6, the borrower client is a program installed on the borrower client terminal 130; In operation 495, the server 100 may provide confirmation information corresponding to the money consumption loan condition information to the server 100.

According to the present embodiment, the server 100 confirms the confirmation information received through the program 140 installed in the borrower client terminal 130, and checks the loan consumer condition information on the point consumer loan client and In operation 497, the storage medium 125 is stored in association with the borrower 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. The borrowing process according to the embodiment ends.

Figure 5 is a simplified illustration of a program screen for entering or selecting the money consumption contract information in accordance with a preferred embodiment of the present invention.

Referring to FIG. 5 shown in accordance with an embodiment of the present invention, the point-consuming client connected to the server 100 executes the program 140 installed in the point-consuming client terminal 135, and A user screen similar to the configuration shown in FIG. 5 is provided from the program 140, and the user screen is composed of a transfer information menu item, an option menu item, and a button for selecting and inquiring each item. It is characterized by consisting of a selection menu items.

For example, the transfer information menu item may include point identification information, point information, point conversion information, withdrawal account information, withdrawal account password information, deposit account information, deposit bank information, deposit bank information, and transfer amount. Information and individual items for inputting and executing the remitter information, the content corresponding to the information can be entered and executed in each individual item.

In addition, the option menu items include information on the amount of loans to borrower, account information, electronic signature, money to borrower information, account information, borrowing amount information, borrowing personality information, interest rate information, borrowing date information, It is composed of individual items that can input and execute redemption deadline information, and can input and execute respective contents corresponding to the information through respective individual items.

In addition, the selection menu items may be selected individually for information on point inquiry, account inquiry, transaction inquiry, direct debit, reservation transfer, money transfer, loan, utility bills, cards, and stocks. You can make it lookup.

6 is a simplified illustration of a program screen for the point spending lender client to input or select commitment information on the money lending condition information according to a preferred embodiment of the present invention.

Referring to FIG. 6 shown in accordance with an embodiment of the present invention, the page for providing a loan for loan commitment confirmation provided by the embodiment is the program 140 installed in the borrower client terminal 130 is the point consumer loan client Characterized in that it is possible to generate and confirm by attaching the electronic signature of the point consumer loan client to the money consumption loan commitment information provided by the program 140 installed in the terminal 135.

7 is a simple flowchart of a process for repayment after borrowing money according to a preferred embodiment of the present invention.

FIG. 7 illustrates that in performing the borrowing according to the present invention, the point spending lender client possesses the information according to the money lending condition information for the borrowing money established by the point spending lender client through the process of FIG. A program installed in a predetermined server 100 or a client terminal according to the money consumption loan condition information after a predetermined amount of money is transferred from the point consumer loan client virtual account to the money consumer loan client virtual account using points. An interest amount according to the money consumption loan condition information is calculated by 140, and a simple flowchart of a process of repayment of the money borrowing client for the money borrowing is performed.

Referring to FIG. 7, according to the embodiment of the illustrated money repayment, as shown in FIG. 4, the point spending lender client converts the points into predetermined money using the points held by the point spending lender client. Convert the amount of money deposited in the virtual account of the point consumer loan client into the money consumer borrower client virtual account (700), and the money transfer information and money consumption loan condition information in the server 100; It may be performed after linking with the point-consuming client information and the money-consuming client information.

Then, the program 140 installed in the server 100 or the client terminal inquires the money consumption loan condition information stored in the storage medium 125 (710), and determines whether the interest amount calculation period for the money borrowing is reached. If the interest amount calculation period for the borrowing amount is reached (715), the server 140 or the program 140 installed in the client terminal performs the borrowing amount according to the interest rate information included in the loan condition information. The amount of interest for may be automatically calculated (720).

For example, the interest amount calculation of the program 140 installed in the server 100 or the client terminal may be performed based on 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 125. According to the interest rate information recorded in the, and if the interest rate is set for each month, the program 140 installed in the server 100 or the client terminal can be calculated from the time of one month from the borrowing date, If the interest rate is set for each year, the program installed in the server 100 or the client terminal 140 may calculate the interest amount to which the interest rate is applied at a time point one year from the borrowing date.

In addition, the server 100 or the program 140 installed in the client terminal provides the interest amount calculated according to the interest rate information included in the loan condition information provided to the point consumer and the consumer loan client to notify It may be (725).

In addition, the program 140 installed in the server 100 or the client terminal stores the calculated interest amount in the storage medium 125 in association with the borrowing amount of the borrower of the money or adds the borrowed amount to the borrowed amount. The storage medium 125 may store the data at 730.

In addition, when the server 140 or the program 140 installed in the client terminal checks the monetary repayment period of the monetary borrower client according to the monetary loan condition information (735), the monetary repayment period is reached ( In operation 740, the user may notify (or output) the money repayment period borrowing point and the point consumption lending client of details of the repayment period confirmation indicating that the money repayment period has expired.

The program 140 installed in the server 100 or the client terminal checks the final repayment amount and the interest sum amount with reference to the money consumption loan condition information (750) and according to the money consumption loan condition information. In operation 755, the repayment amount is transferred from the money consumption client virtual account to the point consumption client client virtual account.

For example, the repayment of the borrowing amount of the borrower client of the money may be automatically referred to the borrower's client virtual money by the program 140 installed in the server 100 or the client terminal on the borrowing repayment date, with reference to the loan consumption condition information. The loan amount may be repaid from the account to the point consumption client.

If the repayment is not performed smoothly, such as the balance of the borrower's client virtual account falling short of the repayment amount (760), the server 140 or the program 140 installed in the client terminal may receive the money. Repayment failure details may be notified (or output) to the point consumer loan client and the money consumer borrower client (765). In addition, the program 140 installed in the server 100 or the client terminal may recognize that the money repayment is overdue, and apply the delinquent interest rate recorded in the money consumption loan condition information (770).

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 to complete the repayment (775), the program installed in the server 100 or the client terminal ( 140 may notify (or output) the point redemption result client and the money consumer account client of the money repayment result (780).

In addition, the program 140 installed in the server 100 or the client terminal delivers or outputs a predetermined receipt for the money repayment (for example, a deposit receipt or a separate receipt, etc.) for the money repayment client. It may be (785).

8 is an exemplary diagram of a program 140 screen for repaying a borrowed amount according to money consumption loan condition information by a money consumption borrowing client according to a preferred embodiment of the present invention.

In more detail, FIG. 8 illustrates a predetermined program 140 installed in the client terminal according to the present invention, in which the borrowing amount is repaid from the money consumer client to the point consumer client through FIG. 7. It is an exemplary view through which the input or selection of the information required for the redemption is carried out through.

Referring to FIG. 8 shown in accordance with an embodiment of the present invention, the point-consuming client connected to the server 100 executes the program 140 installed in the point-consuming client terminal 135, and Program 140 is provided with a user screen similar to the configuration shown in FIG. 8, wherein the user screen is largely a redemption information menu item, a redemption information confirmation menu item, and a button for selecting and viewing each item. Characterized in that the configured selection menu items.

For example, the repayment information menu item may include point identification information, point information, point conversion information, withdrawal account information, withdrawal account password information, deposit account information, deposit bank information, deposit bank information, and transfer amount. Information and individual items for inputting and executing the remitter information, the content corresponding to the information can be entered and executed in each individual item.

In addition, the repayment information confirmation menu items are information on loans to borrower, account information, electronic signature, money borrower information, account information, borrowing amount information, borrowing personality information, interest rate information, borrowing date Information and repayment deadline information may be input and executed, and each content corresponding to the information may be input and executed through each individual item.

In addition, the selection menu item is a point inquiry, account inquiry, transaction inquiry, direct debit, reservation transfer, borrowing repayment transfer, loan, utility bills, cards, and information on stocks individually selected and You can make it lookup.

9 is a simplified conceptual diagram of a process for borrowing money using a predetermined program 140 installed in a client terminal according to another preferred embodiment of the present invention.

FIG. 9 illustrates information on loan conditions for loans corresponding to the borrowing between the point-consuming client and the money-consuming client in performing the borrowing using the predetermined program 140 installed in the client terminal according to the present invention. The money consumption borrower client borrowing money from the point consumer loan client is selected or inputted through a predetermined program 140 installed in the money consumption client client terminal 130.

Preferably, in the present embodiment, when the borrowing client and the borrower client is borrowed money, the money-consuming client is selected or selected through a predetermined program 140 installed in the cash-consuming client terminal 130. When the input money consumption loan condition information is transmitted to the program 140 installed in the point consumer loan client terminal 135 through the server 100, the point consumer loan client is the money selected or input by the money consumer client; By providing the commitment information on the loan condition information to the server 100, it is characterized in that the borrowing between the point consumer loan client and the consumer money client.

Referring to FIG. 9, a consumer client who wants to borrow money runs a predetermined program 140 installed in the consumer terminal (1-1), and the program 140 transfers the server to transfer money. 100, the program 140 installed in the borrower client terminal 130 receives the money transfer information and the loan consumption condition information (2-1), and transfers the money. Information and money consumption loan condition information is provided to the server 100 (2-2).

Subsequently, when the dedicated program 140 installed in the consumer client terminal accesses the server 100 to use the money lending service (3-1), the server 100 corresponds to the point consumer account information. When the point request information is generated and transmitted (3-2), the point server 142 checks the point request information and provides the point consumption host client point information corresponding to the request information to the server 100. (3-3), the server 100 provides the point information and the money consumption loan condition information provided from the point server 142 to the consumer loan client terminal 135 (3-4), and the consumer loan In the client terminal 135, the server 100 provides confirmation information about the money consumption loan condition information (3-5).

Subsequently, the server 100 processes the money consumption loan condition information in association with the consumer loan client and the money consumer account information based on the received confirmation information of the client. (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 142. (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 125, and converts the calculated amount into the borrowing amount ( Or storage in the storage medium 125 in association with the borrowed amount (6).

10 is a simple flowchart of a borrowing process using a predetermined program 140 installed in the client terminal according to another preferred embodiment of the present invention.

FIG. 10 illustrates the use of the loan condition information for the borrower by the borrower client when the borrower uses the predetermined program 140 installed in the client terminal according to the present invention. A process of transferring a predetermined amount of money from the point spending lender client virtual account based on money lending condition information is shown.

Referring to FIG. 10, the present embodiment may be started from a process in which a client, which intends to borrow a predetermined amount of money from a point-consuming client, runs a program 140 installed in the consumer-client terminal 130 (1000). .

In the process of driving the program 140 installed in the consumer client terminal 130, the program 140 performs validation of the money consumer client 100 (1005).

For example, the validity authentication of the money transfer consumer account client is performed on the money transfer consumer account client terminal 130 (or on the storage medium 125 such as a smart card connected to the client terminal). This can be done using a client's certificate.

If the authentication for the money-consuming borrower client fails (1010), the program 140 installed in the money-consuming borrower client terminal 130 outputs a validity authentication failure message to the money-consuming borrower client (1015).

On the other hand, if the authentication is successfully completed for the borrower client (1020), through the program 140 installed in the borrower client terminal 130, the borrower client the money to provide to the consumer loan client Enter or select consumption loan condition information (for example, confirmation information for money vehicles, borrowing amount information, borrowing date information, repayment period information, interest rate information for the borrowing amount, delinquent interest rate information, guarantor information, etc.).

For example, the program 140 installed in the cash consumption client terminal 130 may provide a menu (for example, a menu for a cash vehicle) to the cash consumption client 1010 to input the cash consumption loan condition information. Or, it may be enabled (1030).

When the program 140 installed in the money-consuming borrower client terminal 130 provides the money consumption loan condition information selected or input by the money-consuming borrower client to the server 100 (1035), the server 100 Receiving the money consumption loan condition information from the program 140 installed on the money borrowing client terminal 130, and the received money consumption loan condition information in connection with the money consumption client information and the like to the storage medium 125 Save (1040).

Thereafter, the server 100 checks the driving of the program 140 installed in the point-consuming client terminal 135 to transfer money to the money-consuming client client (1045), and checks the point-consuming client terminal (1045). The program 140 installed in 135 performs authentication of the point consumer account client.

For example, the authentication for the point-consuming client, such as the authentication for the above-described borrowing client, the authentication through the connection information (eg, ID and password) of the point-consuming client and the point-consuming client terminal ( 135 may be possible by using an authorized certificate of the point-consuming client (e.g., mounted on the storage medium 125 such as a smart card connected to the client terminal).

If the authentication for the point-consuming client fails (1050), the program 140 installed on the point-consuming client outputs an authentication failure message (1055). However, if the authentication for the point consumption client is successfully completed (1060), the server 100 checks the point information corresponding to the point consumption client information, and the menu and point information to the point consumer client terminal Provide (1062), check the point consumption client information through the program 140 installed on the point consumer client (1065), and provides from the program 140 installed on the money consumer client terminal (130) The received money consumption loan condition information is extracted from the storage medium 125, and the extracted money consumption loan condition information is provided to the program 140 installed in the point consumer loan client (1070).

If the consumer loan client that checks the loan condition information through the program 140 does not agree with the loan condition information provided by the loan client (1075), the point consumer account client is the program 140 In operation 1080, a rejection message regarding the money consumption loan condition information may be transmitted to the server 100.

When a rejection message for the money consumption loan condition information of the point consumption client is received from the program 140 installed in the point consumption client terminal 135, the server 100 receives the reception. The point consumption lending client's money consumption loan condition information rejection message is transmitted to the program 140 installed in the borrower client terminal 130 to notify the notification (1085).

On the other hand, if the point consumer account client agrees with the money consumption condition information selected or input by the money consumer client (1090), the point consumer client is a program installed in the point consumer client terminal 135 ( Providing confirmation information corresponding to the money consumption loan condition information and money transfer information (for example, virtual account information, password or secret key information, user authentication information, etc.) to the server 100 through the 140. (1095).

Then, the server 100 receives and confirms the commitment information from the program 140 installed on the consumer loan client terminal 135, and confirms the commitment information on the money loan condition information, the point consumer loan client and the money consumption. In operation 1100, the storage medium 125 is stored in association with the borrower 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, the server 100 calculates a predetermined interest amount according to the money consumption loan condition information in the money borrowing process established between the money borrowing client and the point spending lending client, and calculates a predetermined interest amount. It will lead the repayment of the borrower client.

The process of repaying the money from the borrower client to the point consumer client may be in accordance with FIG. 7.

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 borrower client terminal and the point-consuming client client terminal By using the points between the money-consuming borrower client terminal and the point-consuming client client terminal using a point including a server relaying the loan, it is possible to borrow money using points between the money-consuming borrower client and the point-consuming client loan client Since the points of the point-consuming client are used for the purpose of providing money to the money-consuming borrower client, the service usage is activated with a dramatic synergistic effect on the utilization of points. It can be expected, and in the borrowing of money between users, there is an advantage that the contract creation and management according to the borrowing can be carried out more conveniently.

In addition, by automatically calculating a predetermined interest amount according to the borrowing through a predetermined program installed in the borrower client terminal and the point consumer loan client terminal, it is possible to reduce the cumbersome tasks such as calculating the interest amount at the time of repayment have.

In addition, the service provider (for example, a bank, etc.) has the advantage that it is possible to secure new customers through the service for money through a predetermined program installed in the money-consuming borrower client terminal and the point-consuming loan client client terminal.

According to the present invention, by borrowing money between clients through a predetermined program installed in the borrower client terminal and the point consumer loan client terminal, it is more convenient to create and manage contracts for borrowing money between users. The advantage is that it can be done.

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.

In addition, by using the program installed in the client terminal, there is an advantage that can be performed quickly and efficiently by minimizing the load on the server.

Claims (36)

In the method of borrowing money using points, A first step of executing a predetermined program installed in the consumer client terminal borrowing money corresponding to the point from the money consumer client having a predetermined point; A second step of providing predetermined money consumption loan condition information corresponding to the money loan to a server in a predetermined program installed in the consumer 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 holding point) corresponding to the money consumption loan condition information; A fourth step of receiving, at the server, confirmation information of the money consumption loan client regarding the money consumption loan condition information in association with the money consumption loan client terminal (or a predetermined program installed in the money consumption loan client terminal); Depositing, by the server, an amount corresponding to the cash consumption client holding point into the cash consumption client virtual account (or account); And And a sixth step of transferring, by the server, the amount of money deposited in the cash consumption client virtual account into the cash consumption client virtual account (or account). 6. The method of claim 1, A method of borrowing money using points, further comprising the step of granting a predetermined money consumption borrowing client and a predetermined money spending lending client a virtual account for borrowing money using the points at the server. The method of claim 1, wherein the first step, The method for borrowing money using points, characterized in that further comprising the step of performing a user authentication of the client, when executing a predetermined program. The method of claim 1, wherein the first step, The method of borrowing money using points, characterized in that further comprising the step of confirming the official certificate or the electronic signature of the borrower client in the predetermined program. The method of claim 1, wherein the second step, The method for borrowing money using points, characterized in that it further comprises the step of providing an authorized certificate or electronic signature information of the money consuming client to the server in a predetermined program installed on the money consuming client terminal. The method of claim 1, wherein the second step, In connection with a predetermined program installed on the money-consuming borrower client terminal in the server, verifying the official certificate of the money-consuming borrower client or receiving an electronic signature further comprises using a point characterized in that Way. The method of claim 1, wherein the fourth step, Method of borrowing money using points, characterized in that the server further comprises the step of confirming the authorized certificate of the client or the consumer of the electronic loan. The method of claim 1, wherein the fourth step, In connection with a predetermined program installed in the money lending client terminal in the server, the credit card using the point characterized in that it further comprises the step of verifying the authorized certificate of the money lender client or receiving an electronic signature Way. The method of claim 1, wherein the fourth 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 fourth step, And interlocking with the server in a predetermined program installed in the money lending client terminal, extracting the money lending condition information. The method of claim 1, wherein in the fourth step, Confirmation 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 fourth 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, And storing the money loan condition information in a predetermined storage medium in a predetermined program installed in the borrower client terminal or a predetermined program installed in the loan client terminal. Method of borrowing money. The method of claim 1, After transferring the money to the cash consumer client virtual account (or account), and after a certain period of time, when executing a predetermined program installed in the money consumer client client or money consumer client terminal, And outputting the money consumption loan condition to the money consumption client client terminal or the money consumption client client terminal in a predetermined program installed in the money consumption client client terminal or the money consumption client client terminal. Method of borrowing money using. The method of claim 1, After transferring the money to the cash consumer client virtual account (or account), after a certain period of time, a predetermined program installed on the server or the money consumer client terminal or a predetermined program installed on the money consumer client terminal And automatically calculating an interest amount based on a predetermined interest rate corresponding to the loan condition. The method of claim 1, After transferring the money to the cash consumer client virtual account (or account), after a certain period of time, a predetermined program installed on the server or the money consumer client terminal or a predetermined program installed on the money consumer client terminal A seventh step of automatically calculating an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition; And And an eighth step of adding the calculated interest amount to the borrowed amount in a predetermined program installed in the server or the money-consuming client terminal or a predetermined program installed in the money-consuming client terminal. The method of borrowing money using points to be. The method of claim 1, After transferring the money to the borrower's client account (or virtual account), after a predetermined period of time, a predetermined program installed on the server or the borrower's client terminal or a predetermined program installed on the borrower's client terminal Checking a monetary repayment period corresponding to the monetary loan condition; And Notifying the money consumption borrower client and / or the money consumption client client of a result of checking the money repayment period in a predetermined program installed in the server or the money consumption client client terminal or a predetermined program installed in the money consumption client client terminal; Method for borrowing money using points, characterized in that further comprises. The method of claim 1, When the borrower client repays the money to the borrower client, Extracting predetermined loan condition information associated with the borrower information of the client from a predetermined program installed in the server or the borrowing client terminal; Determining whether the money consuming client repays the money information or period information and the money consuming condition information extracted from the storage medium in a predetermined program installed in the server or the money consuming client terminal; And As a result of the determination, when the amount of money information or period information reimbursed by the borrower client meets the loan condition information, the predetermined program installed in the server or the borrower client terminal to the cash consumer client; Issuing an electronic document containing a predetermined receipt function corresponding to the repayment of money; Method of borrowing money using points, characterized in that it further comprises. The method according to any one of claims 1 to 18, wherein the money consumption loan condition information, A method of borrowing money using points, comprising information included in a loan certificate or information on a loan agreement. The method according to any one of claims 1 to 19, 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 according to any one of claims 1 to 18, wherein the client terminal, A method of borrowing money using points, comprising a wired terminal or a wireless terminal. 22. The method of claim 1, wherein the client terminal, At least one of Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smart Phone, Telematics Method for borrowing money using a point, characterized in that it comprises a wireless terminal made. Money consumer loan client terminal borrowing a predetermined money and a money consumer loan client terminal providing money corresponding to a predetermined point to the money consumer loan client and a money consumer loan between the money consumer client client terminal and the money consumer loan client terminal In the system for a cash machine, comprising a server for relaying, The server, An information receiving unit (1) for receiving predetermined money consumption loan condition information corresponding to the money borrowing from a predetermined program installed in the consumer client terminal; An information checking unit for confirming the money consumption loan client holding point information (or the amount information corresponding to the holding point) corresponding to the money consumption loan condition information; An information receiving unit (2) for receiving confirmation information of the money lending client regarding the money lending condition information in association with the money lending client terminal (or a predetermined program installed in the money lending client terminal); Deposit the amount corresponding to the cash consumption client client holding points into the cash consumption client client virtual account (or account), and deposit the amount deposited into the money consumption client client virtual account (or account). Fund transfer unit to transfer the processing;) monetary credit system using a point comprising a. The method of claim 23, wherein the server, The system for borrowing money using points, characterized in that it further comprises a virtual account processing unit for granting a virtual account for money borrowing by using a point to the predetermined borrowing client and the predetermined borrowing client. The method of claim 23, wherein the server, A system for using a point of money, characterized in that it further comprises a user authentication unit for performing a user authentication of the client, when executing a predetermined program. The method of claim 23, wherein the server, In conjunction with a predetermined program installed on the money-consuming client terminal, the system for using a point of money, characterized in that it further comprises an authentication unit for verifying the authorized certificate of the client or receiving an electronic signature. The method of claim 23, wherein the server, System for using a point of money characterized in that it further comprises an authentication unit for verifying the authorized certificate of the consumer or client for the money consumption provided with an electronic signature. The method of claim 23, wherein the server, In conjunction with a predetermined program installed on the money lending client terminal, the cash system using a point characterized in that it further comprises an authentication unit for verifying the authorized certificate of the money lending client or provided with an electronic signature. The method of claim 23, wherein the commitment information of the money lender client, The system for borrowing money using points, characterized in that the money consumption loan client includes information agreeing to the money consumption loan conditions. The method of claim 23, wherein the server, Further comprising: an information storage unit for storing the monetary loan condition information in a predetermined storage medium in a predetermined program installed on the money-consuming client terminal or a predetermined program installed on the money-consuming client terminal. System for cash machine using. The method of claim 23, wherein the server, After transferring the money to the cash consumer client virtual account (or account), and after a predetermined period of time, when executing a predetermined program installed in the money consumer loan client terminal or money consumer client terminal, the money consumer loan client terminal Or an output unit for outputting the money consumption loan condition to the money consumption client client terminal or the money consumption client client terminal in a predetermined program installed in the money consumption client terminal. The method of claim 23, wherein the server, After transferring the money to the cash consumer client virtual account (or account), after a certain period of time, a predetermined program installed on the server or the money consumer client terminal or a predetermined program installed on the money consumer client terminal And an interest processing unit that automatically calculates an interest amount based on a predetermined interest rate corresponding to the money consumption loan condition information. 33. The method according to any one of claims 23 to 32, wherein the money consumption loan condition information is A system for borrowing money using points, comprising information included in a loan certificate or information on a loan agreement for money consumption. 33. The method according to any one of claims 23 to 32, wherein the money consumption loan condition information is 10. A system for borrowing money using points, characterized in that it includes at least one or more of identification information for borrowing money, borrowing amount information, borrowing date information, repayment period information, interest rate information for borrowing amounts, overdue interest rate information, and guarantor information. 33. The method of any one of claims 23 to 32, wherein the client terminal, A system for money using a point comprising a wired terminal or a wireless terminal. 33. The method of any one of claims 23 to 32, wherein the client terminal, At least one of Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smart Phone, Telematics A system for money using a point comprising a wireless terminal made of a.

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