KR20100035990A - Safety contract system using internet and method thereof - Google Patents

Abstract

PURPOSE: A safety contract system using an internet and a method thereof are provided to enable low-credit grade persons to obtain a loan with a low interest rate from friends, thereby stabilizing people economy. CONSTITUTION: A contract notarization system(200) writes out an electronic contract and a repayment schedule table. The contract notarization system makes an electronic contract through a digital certificate. The repayment management system(300) inspects the repayment process of members. The repayment management system announces a repayment result through an SMS(Short Message Service).

Description

Safety contract system using internet and method

The present invention provides loan agreements and repayment schedules through internet for acquaintances' money transactions, facilitates the confirmation of repayment process among contracting parties, and secures bonds such as notary for managing legal relationships between acquaintances. The contract notarization system is provided in order to secure the safety of financial transactions between acquaintances. Prepare contracts and repayment schedules, make electronic contracts with authorized certificates, receive agency fees to be notarized for the written contracts, and provide a repayment management system to make it easier for financial transactions between acquaintances. Repayment amount and repayment date to the debtor and creditor In addition, the repayment amount is transferred from the debtor's account to the creditor's account in connection with the bank transfer service of the financial institution, and the repayment result is notified to the debtor and the creditor through a short message on the mobile phone. If a credit occurs according to the conditions of the credit decision entered by the debtor and the creditor, the application automatically generates an application so that the credit information management company can apply for the default. Low credit ratings, which require the use of 50% loan companies as well as 30% of second-tier loans, to facilitate the circulation of funds through the activation of the human-low credit loan market. To stabilize the economy of the common people by making loans available at low interest rates. It is a technical agreement on safety systems and the way through the Internet.

Currently, the total private financial market amounted to KRW 16.45 trillion and borrowed KRW 6 trillion through acquaintances, while borrowing funds from lenders amounted to approximately KRW 10 trillion.

Generally, the interest rate of an acquaintance is lower than that of a lender and the interest rate of a credit loan is lower than that of a commercial bank. However, the reason why an acquaintance transaction is not activated is that the person wishing to provide a loan is his brother or a relative. It is not easy to ask for the necessary safeguards in monetary transactions, such as making a contract, embodying a repayment method, or notarizing on the basis of a relationship between friends or friends.

Therefore, a monetary contract is required to activate the acquaintances' transactions, and the purpose of lending money to borrowers even if they are not at the same place and at the same time, the amount, the purpose of receiving the loan, interest agreement, payment date, bad debt date, repayment date A loan agreement that includes a method, etc., needs to be easily prepared.

Also, even in financial transactions between acquaintances, commercial banks can choose various repayment methods such as equal payment of principal or equivalence of principal, and repayment methods are also provided with loan repayment services normally used by financial institutions such as automatic account transfer. This system can be used to monitor whether the repayment is made in accordance with the agreed repayment method, to notify the creditor debtor of the repayment request and repayment result before and after the repayment date, and to have a enforceable notarization in the contract prepared to add to the security of the loan agreement. Integrated technology and services are needed to facilitate the collection of credit losses.

Therefore, there is an urgent need for the development of a safety contract system through the Internet, which can easily secure the security of loans when acquaintances with people.

Accordingly, the present invention was conceived to solve the above problems, and provides loan agreements and repayment schedules through the Internet in acquaintances' money transactions, and makes it easy to check the repayment process between contracting parties and manages legal relationships between acquaintances. The purpose of the present invention is to provide a security contract system and method through the Internet that enable the applicant to apply for a bond acquisition process such as a notary required through the Internet.

Another object of the present invention is to provide a contract notarization system in order to ensure the safety of money transactions between acquaintances, each member using the form provided in advance to the debtor and creditor personal information and loan amount loan date repayment method and repayment method It is to provide a safety contract system and method through the Internet that can prepare a contract and repayment schedule, make an electronic contract with an accredited certificate, and receive agency fees to be notarized for the contract.

Another object of the present invention is to provide a repayment management system for more convenient financial transactions between acquaintances and the repayment amount and repayment date before each repayment date to the debtor and creditors in a mobile phone short-term letters and in connection with the account transfer service of financial institutions Security contract system through the Internet that transfers the repayment amount from the account of the creditor to the account of the creditor and informs the debtor and the creditor of the repayment result through a mobile phone short message, and calculates and displays the late fee when the repayment is insufficient or overdue. To provide a method.

Another object of the present invention is to automatically generate an application to apply for non-payment information registration to the credit information management company when a loan occurs in accordance with the bad debt determination conditions entered by the debtor and creditors to apply for non-payment registration It is to provide a security contract system and method through the Internet that can facilitate the circulation of funds through the activation of low-interest credit loan market.

Another object of the present invention is to activate the interpersonal transactions so that low-credit graders who have to use credit loans of not only 50% of loan companies but also 30% of second financial institutions can get loans at low interest rates to their acquaintances. To provide a safety contract system and method through the Internet that can stabilize the economy.

Safety contract system via the Internet according to a preferred embodiment of the present invention for achieving the above object is to prepare an electronic contract and repayment schedule using the form provided by each member, electronic contract with the official certificate and to apply for notarization A contract notarization system, which is responsible for receiving agency commissions so that the agency can receive commissions; Only members who have made an electronic contract using the contract notarization system can inspect the repayment process, request repayment by SMS, notify the repayment result by SMS, calculate and display the late fee when overdue, and manage credit information when a bad debt occurs A repayment management system that automatically fills out and displays an application so that a creditor can utilize it to apply for information on defaulting on a company server; It is characterized in that it comprises a DB that stores and manages data step by step interconnected with the contract notarization system and repayment management system.

In the present invention, characterized in that it further comprises a credit information management company server that allows you to apply for non-debt default information registration when a bad debt occurs in the repayment management system.

In addition, in the safety contract method through the Internet according to a preferred embodiment of the present invention for achieving the above object, the contracting process is the name, resident registration number, address of the creditor and debtor through the contract notarization system from the member wishing the safety contract Receiving personal information such as; Receiving loan information by selecting loan amount, loan period, contract date, interest rate, and deferral period, and receiving repayment methods such as principle equal payment, principal equal payment and temporary repayment from repayment management system to display repayment schedule Wow; Inputting bad debt terms and modifying and storing a contract; When the contract is completed, signing an accredited certificate and clicking the notarization request button to apply for a notarization agency and pay the notarization fee; .

In addition, in the safety contract method through the Internet according to a preferred embodiment of the present invention for achieving the above object, the process of repayment management receives a request for repayment management service through the repayment management system to generate a personalized repayment management page for each applicant Making a step; Determining whether the repayment date is a case of normal repayment or a case of non-repayment normally; If the monthly repayment is normally repaid from the debtor's account to the creditor's account on the repayment date, the repayment information is stored in the database and the repayment result is notified to the debtor and the creditor by a mobile phone short message. Terminating the repayment management procedure, if the repayment test is not normally repaid on the repayment date, storing the delinquent information in the database, displaying the delinquent facts on the individual repayment management page, and notifying the debtor and the creditor by a mobile short message; Characterized by including.

In the present invention, if the delinquency is not normally repaid on the repayment date in the repayment test, if the delinquency and creditors are determined by the credit conditions entered by the debtor and creditors, the credit conditions are checked and the mobile phone short messages Informing the debtor and the creditor; Generating a debt default information registration application form including a repayment schedule table, delinquent information and bad debt information so as to be transmitted to a credit management company server, and printing and submitting the repayment management page for each individual; It characterized in that it further comprises.

Security contract system and method through the Internet according to the present invention has the following effects.

First, the present invention provides loan agreements and repayment schedules through internet for acquaintances' money transactions, facilitates the confirmation of repayment process between contracting parties, and at the same time secures bonds such as the notary required to manage legal relationships between acquaintances. Allows you to apply over the Internet.

Second, the present invention provides a contract notarization system to secure the safety of money transactions between acquaintances, each member using the form provided in advance the personal information of the debtor and creditors, the loan date loan method and repayment method You can prepare a repayment plan, make an electronic contract with an accredited certificate, and receive an agency fee to be notarized for the contract.

Third, the present invention provides a repayment management system in order to facilitate the payment of acquaintances of the acquaintances before each repayment date and the repayment date and repayment date to the debtor and creditors in a mobile phone short-term letters and in connection with the account transfer service of the financial institution of the debtor In addition to transferring the repayment amount from the account to the creditor's account, the repayment result is notified to the debtor and the creditor by a short message on the mobile phone, and when the repayment is insufficient or overdue, the late fee is calculated and displayed.

Fourth, the present invention automatically generates an application so that the credit information management company can apply for non-payment information registration when a bad debt occurs according to the bad debt determination conditions entered by the debtor and the creditor to apply for non-payment registration. The circulation of funds can be actively promoted by activating the low interest credit market.

Fifth, the present invention activates interpersonal transactions so that low-credit graders who have to use credit loans of not only 50% of loan companies but also 30% of second financial institutions can get loans at low interest rates to their acquaintances. Can be stabilized.

Hereinafter, a preferred embodiment of the present invention together with the accompanying drawings will be described. When it is determined that the detailed description of the related well-known technology or configuration in the description of the present invention may unnecessarily obscure the subject matter of the present invention, The description will be omitted, and the following terms are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators, and the definition thereof is the safety contract system and the method through the Internet of the present invention. It should be made based on the contents throughout the specification to describe.

Hereinafter, a security contract system through the Internet according to a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view showing a configuration for explaining a security contract system via the Internet according to an embodiment of the present invention.

As shown in FIG. 1, the safety contract system 100 through the Internet makes an electronic contract and a repayment plan table for each member by using a form provided in advance, and makes an electronic contract with an authorized certificate and acts as a notary. A contract notary system (200) which is responsible for receiving a fee; Only members who have made an electronic contract using the contract notarization system 200 can inspect the repayment process, request repayment by SMS, notify the repayment result by SMS, and calculate and display the late fee when overdue, A repayment management system 300 that automatically fills out and displays an application so that a creditor can utilize the credit information management company server 500 so as to apply for non-payment information registration; Interconnected with the contract notarization system 200 and the repayment management system 300 is composed of a DB (400) for storing and managing data in stages, and the information on defaulting of debt when a credit occurs in the repayment management system (200) It also includes a credit information management company server 500 that allows you to apply.

Looking at the configuration and function of the technical means constituting the safety contract system through the Internet of the present invention as follows.

The contract notarization system 200 is responsible for receiving an agency fee so that each member can make an electronic contract and a reimbursement schedule using the form provided in advance, and make an electronic contract with an authorized certificate and apply for a notary.

The repayment management system 300 uses the contract notarization system 200 to inspect the repayment process only for members who have made an electronic contract, request repayment by SMS, notify the repayment result by SMS, and calculate the late fee when overdue. In order to apply for credit default information registration to the credit information management company server 500 when a loan is generated, the credit card is automatically filled out and displayed to help the creditor use.

The DB 400 is connected to the contract notarization system 200 and the repayment management system 300 to store and manage data in stages.

The credit information management company server 500 allows the repayment management system 200 to apply for non-debt default information registration.

2 is a view showing the flow of contracts and repayments using a safety contract system through the Internet according to an embodiment of the present invention.

As shown in Figure 2, look at the flow of the contract and repayment using the safety contract system through the Internet as follows.

In the process of contracting using a safety contract system through the Internet, first, personal information 201 such as a creditor and a debtor's name, a social security number, and an address are input from a member who desires a safety contract.

Next, the loan information 202 is input by selecting the loan amount, the loan period, the contract date, the interest rate, the deferred period, and the repayment plan is displayed by inputting the repayment methods such as principle equal payment, principal equal payment, and temporary payment (203). )

Next, a credit condition is input (204), and the contract is modified and stored (205). When the contract is completed, sign the official certificate (206) and click the notarization application (207) button to apply for a notary agency and pay the notarization fee (208).

Therefore, the member using the contract notarization using the contract notarization system 200 will be able to manage the repayment process using the repayment management system 300.

In addition, the process of repayment management using the safety contract system through the Internet, first receives the application for repayment management service 301 through the repayment management system 300 to generate a personalized repayment management page 302 for each applicant. At this time, the personal repayment management service page automatically generated repayment management service according to the repayment plan table 203 related to the applicant (301) by the mobile phone short message before the monthly repayment date to the debtor creditor, the repayment due amount, and the financial institution's automatic repayment date The repayment management system 300 associated with the transfer service to withdraw the repayment from the account of the debtor to deposit the repayment to the account of the creditor.

It is determined whether the repayment date is a case of normal repayment or a case of non-repayment normally. First, when the monthly repayment money is normally repaid from the debtor's account to the creditor's account on the repayment date (303), the repayment information is stored in the database 400 (304), and the repayment result is notified to the debtor and the creditor by a mobile phone short message ( 305) If the repayment is completed without the remaining repayment amount, the repayment management procedure of the repayment management system 300 ends.

If the repayment test 303 is not normally repaid on the repayment date, the delinquency information is stored in the database 400, the delinquent facts are displayed on the individual repayment management page, and the debtor and creditor are notified by a mobile short message.

In case of overdue payment, the credit conditions are checked (308) in order to check whether the debtor is in accordance with the credit conditions entered by the debtor and the creditor. Repayment plan table 203 and delinquency information registration application that includes delinquent information and bad debt information (310) to be sent to the (500) to be printed and submitted from the individual repayment management page.

It will be appreciated by those skilled in the art that the present invention is not limited to the above embodiments, and that various modifications and changes can be made without departing from the spirit of the present invention.

1 is a view showing a configuration for explaining a security contract system via the Internet according to an embodiment of the present invention.

Figure 2 is a view showing the flow of contracts and repayments using a safety contract system over the Internet according to an embodiment of the present invention.

<Code Description of Main Parts of Drawing>

100: safety contract system 200: contract notarization system

300: Repayment Management System 400: Database

500: credit management company server

Claims (5)

In the safety contract system through the Internet, A contract notarization system that is responsible for receiving an agency fee so that each member may prepare an electronic contract and a repayment plan using an pre-provided form, make an electronic contract with an authorized certificate, and apply for a notarization thereof; Only members who have made an electronic contract using the contract notarization system can inspect the repayment process, request repayment by SMS, notify the repayment result by SMS, calculate and display the late fee when overdue, and manage credit information when a bad debt occurs A repayment management system that automatically fills out and displays an application so that a creditor can utilize it to apply for information on defaulting on a company server; A security contract system via the Internet, characterized in that it comprises a DB for storing and managing data step by step interconnected with the contract notarization system and repayment management system. The method of claim 1, And a credit information management company server, which enables the application of registration of non-payment of default information when a bad debt occurs in the repayment management system. In the security contract method through the Internet, The contracting process may include receiving personal information such as names, social security numbers, and addresses of creditors and debtors through a contract notarization system from a member desiring a safety contract; Receiving loan information by selecting loan amount, loan period, contract date, interest rate, and deferral period, and receiving repayment methods such as principle equal payment, principal equal payment and temporary repayment from repayment management system to display repayment schedule Wow; Inputting bad debt terms and modifying and storing a contract; When the contract is completed, signing an accredited certificate and clicking the notarization request button to apply for a notarization agency and pay the notarization fee; Safety contract method over the Internet, characterized in that it comprises a. In the security contract method through the Internet, The process of managing repayment includes generating a repayment management page for each applicant by receiving an application for a repayment management service through a repayment management system; Determining whether the repayment date is a case of normal repayment or a case of non-repayment normally; If the monthly repayment is normally repaid from the debtor's account to the creditor's account on the repayment date, the repayment information is stored in the database and the repayment result is notified to the debtor and the creditor by a mobile phone short message. Terminating the repayment management procedure, if the repayment test is not normally repaid on the repayment date, storing the delinquent information in the database, displaying the delinquent facts on the individual repayment management page, and notifying the debtor and the creditor by a mobile short message; Safety contract method over the Internet, characterized in that it comprises a. The method of claim 4, wherein In the repayment test, if the payment is overdue because it is not normally repaid on the repayment date, the debtor and the creditor check the credit condition to check whether the credit is in accordance with the entered credit condition. Steps; Generating a debt default information registration application form including a repayment schedule table, delinquent information and bad debt information so as to be transmitted to a credit management company server, and printing and submitting the repayment management page for each individual; Safety contract method over the Internet, characterized in that it further comprises.

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