KR20120021605A - Financing system for providing bank loan service linked with credit card and method of operating the system - Google Patents

Abstract

PURPOSE: A financing system for providing a bank loan service linked with a credit card and an operating method thereof are provided to supply a credit card and a load account to a customer in connection with a credit card company, thereby enabling a bank to pay the spent costs of the credit card at a payment data. CONSTITUTION: A bank server(110) transmits a credit card product providing request for a loan product to a credit card company. The bank server opens a loan account for paying the used costs of a credit card. The bank server remits the payment money to a credit card company server(120) by selectively using at least one of current remaining money or a load of the load account. The credit card company server collects the payment money through the loan account.

Description

Financing system for providing bank loan service linked with credit card and method of operating the system}

The present invention relates to a financial system for providing loan products of banks and a method of operating the same.

As the consumption of credit cards increases, the consumption economy expands as consumers' settlement periods for payments are extended, cash inconveniences are eliminated, and the transparency of the trading culture increases. However, social problems caused by unhealthy credit card use, such as credit card payments have surged due to indiscriminate consumption of credit cards, and credit cards have been used in unhealthy businesses such as luxury pleasure shops and meandering businesses. Is also occurring.

In addition, even if you keep your economic life with a credit card, you will be incurred a sudden cost in case of a sudden accident or a family member.If the credit card holder pays the cost using a credit card, On the day of the card's payment, the burden on payment of the payment will increase.

In general, the customer repays the payment amount in the form of direct debit of the credit card payment from the registered bank account or directly to the credit card company. As the economy of life using credit cards is becoming more common, credit cards and bank accounts are operated by separate financial institutions, so that credit card and bank account accounts are operated by separate financial institutions. This is incomplete.

The present invention discloses a banking system and a method of operating the banking system for providing a bank loan and a credit card linked financial products, by linking a bank loan limit and a credit card limit, to prevent a customer's indiscriminate use of a credit card. .

In accordance with an embodiment of the present invention, the bank loan and credit card linked financial system, the credit according to the loan product for the customer to pass the screening qualification for the loan products linked between the bank server and the credit card company Send a request to provide the credit card company to the credit card company; open a loan account for payment of the credit card; and the current balance of the loan account according to the current balance of the loan account at the settlement date of the payment amount. And a bank server for selectively transmitting at least one of loans to the credit card company server. And a credit card company server that provides a credit card product to the customer at the request of the bank server, and recovers the settlement price from the bank server through the loan account on the settlement date. According to one embodiment, the utilization of the credit card corresponds to the loan limit of the loan account.

According to an embodiment, the bank server may include: a database unit including a customer database, a credit rating database, and a loan approval limit database; A qualification examination unit for judging the qualification for approval of the loan product based on the customer database and the credit rating evaluation database, for the customer who requested the loan product provision; A loan account that determines the current loan limit within the maximum loan limit corresponding to the maximum utilization of the credit card, and determines the loan within the current loan limit by comparing the current balance of the loan account and the payment amount of the credit card. Management; And a central processing unit which integrates and manages operations of the database unit, the qualification unit and the loan account manager, and processes communication with the outside including the credit card company server.

In a method of operating a network based banking system between a bank server and a credit card company server according to an embodiment of the present invention, the bank server may be authorized to approve a customer who requested a loan product linked between the bank server and the credit card company. Judging; As the provision of the loan product to the customer is approved based on the qualification examination, the bank server transmits a request to the credit card company server to provide the customer with a credit card product according to the loan product. step; When the provision of the loan product to the customer is approved, the bank server opening a loan account for payment of the credit card for the customer; The bank server remitting the payment amount to the credit card company server by selectively using at least one of the current balance of the loan account and the loan amount according to the current balance of the loan account on the payment date of the payment amount; And recovering, by the bank server, all or part of the payment amount from the customer to the loan account. According to an embodiment, the utilization of the credit card corresponds to the loan limit of the loan account.

In the payment remittance step according to an embodiment, when the current balance of the loan account is insufficient for the payment on the payment date, the bank server may check the current balance of the loan account and the payment amount of the credit card. In comparison, the method may include determining a loan within the maximum loan limit.

According to one embodiment, the step of determining the loan, the deficit of the current balance of the loan account in preparation for the payment amount is determined as the loan amount on the settlement date, and based on the loan rate of the loan product based on the loan interest rate of the loan product The interest on the loan can be determined.

According to the present invention, a bank and a credit card company linked to provide a credit card and a loan account to a customer, and the bank pays the payment for the customer's credit card as a loan on the settlement date, thereby paying the credit card payment during the loan repayment period. The period can be extended substantially.

The customer pays the treatment fee or the expenses for a sudden accident that causes an instant large expenditure by using the credit card according to the present invention, and if the payment amount is insufficient at the payment date, the bank supports the cost, thereby repaying the card price of the customer. The period can be extended substantially. In addition, since the customer may frequently pay off the loan within the loan repayment period, the burden of repaying the loan may be reduced.

In addition, banks and credit card companies may attract new customers and customers of the loan account according to the credit card loan products, respectively. In connection with banks and credit card companies, it is also possible to provide various points earning services and discount services to credit cards and loan accounts.

Since a credit card according to the present invention cannot be settled at an unhealthy establishment, a healthy consumption culture can be promoted domestically or socially. In addition, if the loan amount for the payment of the credit card is not repaid within the loan repayment period, the use of the credit card is restricted, so the customer's reasonable consumption may be recommended.

1 illustrates a simplified block diagram of a banking and credit card linked financial system according to one embodiment.
2 is a detailed block diagram of a bank loan and credit card linked financial system according to one embodiment.
3 illustrates a flowchart of interactions between subjects based on a linked financial system of bank loans and credit cards, according to one embodiment.
4 is a flowchart of a method of operating a linked financial system of a bank loan and a credit card according to an embodiment.
Hereinafter, referring to FIGS. 1 to 4, a banking and credit card linked financial system and an operation method thereof according to an embodiment of the present invention will be described in detail. In adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are assigned to the same elements as much as possible even though they are displayed on different drawings.

1 illustrates a simplified block diagram of a banking and credit card linked financial system according to one embodiment.

Bank loan and credit card linked financial system 100 according to an embodiment includes a bank server 110 and a credit card company server 120. The bank server 110 and the credit card company server 120 operate through communication based on the network 130.

As a linked financial product between the bank server 110 and the credit card company server 120, the bank server 120 may provide a loan product that provides a loan for the credit card payment. Accordingly, the credit card company server 120 may provide a credit card product that sets the loan account of the loan product provided by the bank server 110 as a payment account of the credit card. In the following description, 'credit card loan product' refers to the linked financial product. In addition, a loan account and a credit card according to a credit card loan product according to an embodiment are referred to as 'associated loan account' and 'associated credit card', respectively. Hereinafter, operations for providing the credit card loan product by the bank server 110 and the credit card company server 120 through the financial system 110 will be described in detail.

The bank server 110 examines the qualification for approval of the loan product for the customer according to the customer's request for the credit card loan product. For the qualified customer, the bank server 110 transmits a linked credit card issuance request to the credit card company server 120, and the bank server 110 opens a linked loan account for paying the payment of the linked credit card. Open.

The credit card company server 120, according to the request of the bank server 110, provides a linked credit card product according to the credit card loan product to the customer. A linked loan account under a credit card loan product may only be used to pay the payment for that linked credit card. However, if there is a free balance in the linked loan account, the free balance may be freely withdrawn. The loan limit of the linked loan account and the utilization of the linked credit card are set equal.

The bank 110 may set a loan rate and a loan repayment period for the linked loan account. Loan rates and loan repayment periods can be variably determined based on the customer's credit rating and the like. In addition, the delinquent interest rate for the case that the loan is not repaid within the loan repayment period may also be set.

When the customer generates a payment price to be recovered on the payment date by using the linked credit card, the credit card company server 120 may recover the payment price from the bank server 110 through the linked loan account on the payment date. For example, the credit card company server 120 may recover the payment price by requesting the bank server 110 to pay the payment price on the payment date.

The bank server 110 may remit payment to the credit card company server 120 by selectively using at least one of the current balance of the linked loan account and the loan amount according to the current balance of the linked loan account on the linked credit card settlement date. . Specifically, the bank server 110 compares the payment amount of the linked credit card and the current balance of the linked loan account, if the current balance is more, using the current balance, if the current balance is insufficient to use the linked credit card You may decide to pay your payment.

If the loan amount occurs because the current balance is insufficient for the payment amount on the linked credit card settlement date, the bank server 110 calculates the loan repayment period from the settlement date, and determines the loan interest based on the loan interest rate.

The bank server 110 recovers the loan from the customer during the loan repayment period. A loan account may be used to deposit some or all of the loan from a customer.

If all or part of the loan is not repaid from the customer within the loan repayment period, the bank server 110 may request the customer of the credit card company server 120 to stop using the linked credit card. Overdue interest may be charged from the elapsed date of the loan repayment period.

When the bank server 110 receives a request for extending the maturity of the loan product from the customer, the bank server 110 extends the use period of the linked loan account. If the maturity of the linked credit card is due to the extension of the loan product, the bank server 110 may request the credit card company server 120 to extend the maturity of the linked credit card or to reissue the linked credit card.

The network network 130, which is a communication means for connecting the bank server 110 and the credit card company server 120, is not only an open Internet, a wired Internet network including a closed intranet, a wireless Internet communication network linked to a mobile communication network, and various data. It is a broad concept including possible communication means such as a computer network capable of communication.

Hereinafter, the detailed structure of the bank loan and credit card linked financial system 100 according to an embodiment of the present invention will be described in detail. In the following description of the present invention, if it is determined that the detailed description of the related well-known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted. In addition, preferred embodiments of the present invention will be described below, but the technical spirit of the present invention is not limited thereto and may be variously modified and implemented by those skilled in the art.

2 is a detailed block diagram of a bank loan and credit card linked financial system according to one embodiment.

Bank server 110 according to an embodiment includes a database unit 210, qualification screening unit 220, loan account management unit 230 and the central processing unit 240. The database unit 210 includes a customer information database (DB) 212, a credit rating evaluation database (DB) 214, and a loan approval limit database (DB) 216. Credit card company server 120 according to an embodiment includes a merchant management unit 250, utilization management unit 260 and the central processing unit 270.

The central processing unit 240 of the bank server 110 manages the flow of various information processed by the internal modules of the bank server 110. In addition, the central processing unit 240 of the bank server 110, the communication with the outside, including the customer computer or credit card company server 120, etc. and the transfer of payment of the linked credit card to the credit card company server 120 and from the customer It oversees the various processes that occur from loan product request to loan payment, including loan repayment.

The central processing unit 240 of the bank server 110 receives the loan product subscription from the customer. As another example, when the credit card company server 120 first receives the customer's request for issuing a linked credit card, the bank server 110 may receive a request for a loan product subscription or opening of the linked loan account from the credit card company server 120. have. Accordingly, the central processing unit 240 of the bank server 110 instructs the qualification screening unit 220 to screen the qualification for approval of the loan product for the customer.

The eligibility screening unit 220 uses the automatic credit rating system using the customer information DB 212 and the credit rating DB DB 214 of the database unit 210 to examine the qualification of the credit card loan product for the customer. can do.

When the qualification for approval of the customer is determined based on the result of the examination by the qualification examination unit 220, the central processing unit 240 of the bank server 110 instructs the loan account management unit 230 to open the linked loan account, and the credit card company The server 120 requests the issuance of the linked credit card. If the linked loan account is opened in accordance with the loan product subscription from the credit card company server 120, the credit card company server 120 may notify whether the loan account is opened.

The loan account management unit 230 opens a linked loan account for the customer who is eligible for approval according to the screening result of the qualification examination unit 220. The loan account manager 230 may determine the maximum loan limit for the customer by using the customer DB 212, the credit rating evaluation DB 214, the loan approval limit DB 216, and the like of the database unit 210. In addition, the loan account manager 230 may determine the maximum loan limit based on the customer's credit rating and the customer's personal credit information evaluated according to the automatic credit rating system of the bank server 110.

The central processing unit 270 of the credit card company server 120 issues a linked credit card for the customer according to the card issuance request received from the bank server 110. The credit card company server 120 does not perform its own card issuance qualification examination.

The utilization manager 260 adjusts the utilization of the linked credit card according to the loan limit information of the linked loan account of the bank server 110. The loan limit of the linked loan account and the utilization of the linked credit card are preferably kept the same. The use of the linked credit card according to an embodiment is determined according to the loan limit of the linked loan account, and is determined separately from the use of the general credit card operated by the credit card company server 120 itself. In addition, the credit card company server 120 does not support cash services using a linked credit card according to an embodiment.

The credit card company server 120 instructs the affiliated store management unit 250 to limit the affiliated store of the linked credit card according to the credit card loan product to a business for healthy consumption. For example, the affiliated store management unit 250 may manage the affiliated store to exclude businesses associated with the luxury pleasure industry and the unhealthy consumption industry.

In addition, the affiliated store management unit 250 may include a business that can support the preparation of various congratulations such as wedding preparations and funerals in affiliated stores of linked credit cards according to credit card loan products according to an embodiment. In order to support a treatment for a sudden accident of a customer, a medical institution such as a hospital may be included as a credit card affiliated store according to a credit card loan product according to an embodiment.

The central processing unit 270 of the credit card company server 120 requests the bank server 110 to pay the payment price on the payment date when a payment occurs due to the use of the linked credit card.

The central processing unit 240 of the bank server 110 may determine a method of paying the settlement price of the linked credit card on the settlement date based on the loan amount determined by the loan account management unit 230.

Loan account management unit 230 determines the current loan limit within the maximum loan limit, and compares the current balance of the linked loan account and the payment amount of the linked credit card, determines the loan within the current loan limit.

When the current balance of the linked credit card and the current balance of the linked loan account is more than the current balance of the linked credit card, the payment amount of the linked credit card may be paid using only the current balance of the linked loan account. The loan can be determined to be zero. If the current balance in the linked loan account is insufficient compared to the payment amount of the linked credit card, loan account management unit 230 may determine the loan amount corresponding to the insufficient amount. If there is no current balance of the linked loan account, the loan account management unit 230 may determine the loan amount to correspond to the payment amount of the linked credit card within the current loan limit.

The current loan limit of the linked loan account may be determined based on whether there is any outstanding loan within the loan period. Even if there is an unpaid loan, if the loan is within the maximum loan limit, the loan account management unit 220 may set the current loan limit by lowering the loan amount by the unpaid loan from the maximum loan limit. In this case, if the loan is fully repaid within the loan repayment period, the loan limit may be raised back to the maximum loan limit.

The central processing unit 240 of the bank server 110 combines the current balance and the loan amount of the linked loan account based on the loan determined by the loan account management unit 230, and the credit card company server 120 to settle the payment of the linked credit card. You can send money to

The loan account manager 230 may calculate a loan interest based on the loan generated from the settlement date. Loan interest is determined by the lending rate of the linked loan account, which may be differentially determined by the individual credit rating. For example, if a linked loan account is set to pay as a system account, the loan rate may be lowered.

The central processing unit 240 of the bank server 110 may notify the customer of the occurrence and amount of the loan and loan interest.

The bank server 110 recovers the loan from the customer during the loan repayment period. Some or all of the loan may be repaid from the customer. The linked loan account may be subject to an occasional repayment loan during the loan repayment period. However, if the loan is not collected within the loan repayment period, the loan may be delayed.

For example, if a loan is deferred because all of the loans are not repaid from the customer within the loan repayment period, the bank server 110 may request the credit card company server 120 to stop using the linked credit card of the customer. In this case, if the remaining loan and delinquent interest is later repaid from the customer, the bank server 110 newly sets the current loan limit of the linked loan account and releases the customer's linked credit card suspended status to the credit card company server 120. You can request

As another example, if some of the loans are not repaid from the customer within the loan repayment period, the bank server 110 lowers the maximum loan limit by the remaining unpaid loans and accordingly lowers the utilization of the linked credit card. 120 may be requested. In order to maintain the same loan limit of the customer's linked loan account and the utilization of the linked credit card, the bank server 110 changes the maximum loan limit to the credit card company server 120 whenever the current loan limit changes. Or you can notify them of the loan limit. Customers may use linked credit cards within the lowered loan limits and linked credit card usage. In addition, the delinquency interest rate is applied to the remaining loans, and loan interest rates may be applied to newly generated loans within the lowered loan limit.

Luxury consumption may also be possible in establishments or in medical institutions for preparation for surveillance. Therefore, when the linked credit card according to an embodiment is used in the relevant business, the central processing unit 240 of the bank server 110 or the central processing unit 270 of the credit card company server 120 may be incurred in preparation for the supervision or sudden accidents. Various proof information for checking whether the fee is due to the client can be requested.

For example, the central processing unit 270 of the credit card company server 120 may determine whether to approve the use of the associated credit card based on various types of authentication information of the customer. As another example, after the central processing unit 240 of the bank server 110 pays the payment amount of the linked credit card, whether or not to approve the payment of the linked credit card at the corresponding business based on various types of proof information of the customer. You can also decide whether or not.

Based on the bank loan and credit card linked financial system 100 according to the above-described embodiment, a series of operations of the customer, the bank, the credit card company and the affiliated store is performed until the transaction and use of the credit card loan product between the customer and the bank. Reference is made in detail to 3 below. Hereinafter, preferred scenarios of the present invention will be described with reference to the flowchart of FIG. 3, which is only some scenarios that can be implemented by the present invention, and various modifications can be made by those skilled in the art.

3 illustrates a flowchart of interactions between subjects based on a linked financial system of bank loans and credit cards, according to one embodiment.

The customer 302 applies for a loan to the bank 304 for payment of the linked credit card (step 310). The customer 302 may apply for a credit card loan product in person at the bank 304 or through internet banking.

The bank 304 examines the loan product approval eligibility of the customer 302, and if the approval eligibility is recognized, notifies the customer 302 of the loan product approval and opens the linked loan account (step 320). Bank 304 also requests credit card company 306 to issue a linked credit card to customer 302 (step 321). The credit card company 306 issues a linked credit card to the customer 302 according to the linked loan product with the bank (step 322). The bank 304 and the credit card company 306 may provide a point accumulation service and various discount services for the linked loan product.

Preferably, the loan product approval and linked loan account opening step, linked credit card issuance application and linked credit card issuance step 320, 321, 322 may occur at the same time.

The customer 302 makes a transaction with the affiliated store 308 using an associated credit card (step 330). Since the affiliated store 308 does not include unhealthy establishments, luxury enjoyment establishments, etc., the customer 302 cannot use a linked credit card at a store other than the affiliated store.

When the use of the linked credit card is approved, the credit card company 306 repays the transaction price of the customer 302 to the affiliate store 308 (step 340).

When the payment date of the payment price of the linked credit card arrives, the bank 304 pays the payment price of the linked credit card to the credit card company 306 (step 350). If the current balance of the linked loan account of the customer 302 is sufficient as compared with the payment amount of the linked credit card, the card payment amount may be paid using the current balance of the linked loan account. Points may be granted to the card payment amount paid using the balance of the linked loan account and may be accumulated in the linked loan account.

If the current balance of the linked loan account of the customer 302 is insufficient compared to the payment amount of the linked credit card, the bank 304 supplements the insufficient amount with the loan and reimburses the linked credit card amount together with the balance of the linked loan account. Can be.

If a loan occurs in the linked credit card payment step 350, the customer 302 repays the loan to the bank 304 within the loan repayment period (step 360). Loans may be repaid in the form of loan repayments to the linked loan account. When the customer 302 deposits some or all of the loan into the linked loan account using the free funds within the loan repayment period, the current loan limit may be generated by the repayment.

If a loan delay occurs because the customer 302 fails to repay the loan within the loan repayment period, the bank 304 may request the credit card company 306 to stop using the linked credit card of the customer 302. If the customer 302 later repays the overdue loan by depositing a loan overdue to the linked loan account and the loan interest, the late interest, etc., the bank 304 suspends the use of the linked credit card of the customer 302 to the credit card company 306. You can request to release the status.

The above-described series of operations of the bank 304 and the credit card company 306, respectively, in the communication environment capable of data transmission through various wired and wireless networks, the bank loan and credit card linked financial system 100 according to an embodiment Computerized by the bank server 110 and the credit card company server 120 may be performed. Based on this, a flowchart of a method for operating a linked financial system of a bank loan and a credit card is described with reference to FIG. 4 below.

4 is a flowchart of a method of operating a linked financial system of a bank loan and a credit card according to an embodiment.

In step 410, for the customer who requested the loan product linked between the bank server and the credit card company, the bank server examines the qualification for approval.

In step 420, as the provision of the loan product to the customer is approved based on the qualification examination, the bank server sends a request to the credit card company server to provide the customer with the linked credit card product according to the loan product. In addition, the bank server opens a linked loan account for payment of the linked credit card for the customer.

In step 430, the bank server transfers the payment to the credit card company server on the payment date of the payment of the associated credit card. At this time, the bank server may transfer the current balance or loan amount of the linked loan account or the combined amount of the current balance and the loan amount to the credit card company server according to the current balance of the linked loan account.

In step 440, the bank server recovers all or part of the payment amount from the customer to the linked loan account. If the loan is recovered from the customer within the loan repayment period, the bank server may maintain the maximum loan limit on the next linked credit card payment date. If the loan is not repaid from the customer within the loan repayment period, the bank server transmits a linked credit card stop request to the credit card company server. When the remaining loan, loan interest, and delinquency interest are repaid from the customer, the bank server may send a request for canceling the linked credit card suspended status to the credit card company server, and regenerate the loan limit of the linked loan account.

Meanwhile, the above-described embodiments of the present invention can be written as a program that can be executed in a computer, and can be implemented in a general-purpose digital computer that operates the program using a computer-readable recording medium. The computer-readable recording medium may include a storage medium such as a magnetic storage medium (eg, a ROM, a floppy disk, a hard disk, etc.) and an optical reading medium (eg, a CD-ROM, a DVD, etc.).

So far I looked at the center of the preferred embodiment for the present invention. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

100: bank loan and credit card linked financial system
110: bank server 120: credit card company server
130: network
210: database unit 212: customer DB
214: Credit Rating DB 216: Loan Approval Limit DB
220: qualification unit 230: loan account management unit
240: central processing unit 250: merchant management unit
260: utilization management unit 270: central processing unit
302: customer 304: bank
306: credit card company 308: credit card merchant

Claims (18)

In a financial system based on a network between a bank server and a credit card company server,
Sending a request to the credit card company to provide a credit card product according to the loan product for the customer who has passed the screening qualification for the loan product linked between the bank server and the credit card company, Open a loan account for payment of payment, and selectively use at least one of the current balance of the loan account and the loan amount according to the current balance of the loan account on the payment date of the payment price to the credit card company server Bank server for transmitting money; And
A credit card company server for providing a credit card product to the customer according to a request of the bank server, and recovering the payment amount through the loan account from the bank server on the payment date;
Bank credit and credit card linked financial system, characterized in that the utilization of the credit card corresponds to the loan limit of the loan account. The method of claim 1, wherein the bank server,
A database unit including a customer database, a credit rating database, and a loan approval limit database;
A qualification examination unit for judging the qualification for approval of the loan product based on the customer database and the credit rating evaluation database, for the customer who requested the loan product provision;
A loan account that determines the current loan limit within the maximum loan limit corresponding to the maximum utilization of the credit card, and determines the loan within the current loan limit by comparing the current balance of the loan account and the payment amount of the credit card. Management; And
Banking and credit card linked finance, characterized in that it comprises a central processing unit for integrated management of the operation of the database unit, the qualification screening unit and the loan account management unit, the communication with the outside including the credit card company server system. According to claim 2, The loan account management unit,
When the current balance of the loan account is insufficient for the payment price, the bank loan and credit card linked financial system characterized in that for processing the insufficient amount as the loan on the payment date. According to claim 2, The loan account management unit,
And a bank loan and credit card linked interest system, wherein the loan interest is determined based on the loan interest rate of the loan product. According to claim 2, The loan account management unit,
If the repayment of all or part of the loan from the customer is deposited in the loan account, the bank loan and credit card linked financial system, characterized in that to increase the current loan limit for the loan account by the repayment. The method of claim 1, wherein the bank server,
If all or part of the loan is not repaid from the customer within the repayment period of the loan, the bank loan and credit card linked financial system, characterized in that for transmitting the request to suspend the use of the credit card. The method of claim 6, wherein the bank server,
When the remaining loans and delinquent interest is repaid from the customer after the use of the credit card, the loan limit of the loan account is newly set, and the request for suspension of use of the credit card is transmitted to the credit card company server. Bank Loan and Credit Card Linkage Financial System. The method of claim 1, wherein the bank server,
Determining a maximum loan limit of the loan product for the customer who has passed the qualification examination based on the credit rating evaluation system of the bank server based on the credit information of the customer and the credit rating according to the credit rating evaluation system. Bank loan and credit card linked financial system. The method of claim 1,
The credit card is limited in use at certain businesses, does not include a cash advance function,
The loan account is a bank loan and credit card linked financial system characterized in that it comprises a credit points service that points are accumulated based on the amount of use of the credit card. In the method of operating a financial system based on the network between the bank server and the credit card company server,
Examining, by the bank server, an authorization qualification for the customer who requested the loan product linked between the bank server and the credit card company;
As the provision of the loan product to the customer is approved based on the qualification examination, the bank server transmits a request to the credit card company server to provide the customer with a credit card product according to the loan product. step;
When the provision of the loan product to the customer is approved, the bank server opening a loan account for payment of the credit card for the customer; And
And remitting, by the bank server, the payment amount to the credit card company server by selectively using at least one of the current balance of the loan account and the loan amount according to the current balance of the loan account on the payment date of the payment price. and,
Bank credit and credit card linked financial system operating method, characterized in that the usage of the credit card corresponds to the loan limit of the loan account. The method of claim 10, wherein the payment transfer step,
If the current balance of the loan account is insufficient for the payment on the payment date, the bank server comparing the current balance of the loan account with the payment amount of the credit card to determine the loan amount;
The loan is a bank loan and credit card linked financial system operating method, characterized in that determined within the maximum loan limit and the current loan limit corresponding to the maximum of the credit card. The method of claim 11, wherein the step of determining the loan,
The bank loan, characterized in that the shortage of the current balance of the loan account in preparation for the payment amount is determined as the loan amount on the settlement date, and the loan interest for the loan generated from the settlement date based on the loan interest rate of the loan product. And credit card linked financial system operation method. The method of claim 10, wherein the financial system operating method comprises:
The bank server recovering repayment of all or part of the loan from the customer; And
The bank server further comprises the step of setting a new loan limit for the loan account in accordance with the repayment, the bank loan and credit card linked financial system operating method. The method of claim 10, wherein the financial system operating method comprises:
If the whole or part of the loan is not repaid from the customer within the repayment period of the loan, the bank server further comprises the step of sending a request to suspend the use of the credit card to the credit card company server And credit card linked financial system operation method. The method of claim 14, wherein the financial system operating method,
If the remaining loan and interest is repaid from the customer after the credit card is suspended, further setting a loan limit of the loan account and transmitting a request for canceling the use of the credit card to the credit card company server. A method of operating a banking and credit card linked financial system. The method of claim 10, wherein the payment transfer step,
When the current balance of the loan account does not run out in preparation for the payment amount on the payment date, the bank server transfers the current balance of the loan account to the credit card company server. How to operate a linked financial system. The method of claim 10, wherein the opening of the loan account,
Determining a maximum loan limit of the loan product for the customer who has passed the qualification examination based on the credit rating evaluation system of the bank server based on the credit information of the customer and the credit rating according to the credit rating evaluation system. Bank loan and credit card linked financial system operating method characterized in that. The method of claim 10,
The credit card is limited in use at certain businesses, does not include a cash advance function,
The loan account is a bank loan and credit card linked financial system operating method characterized in that it comprises a credit points service that points are accumulated based on the amount of the credit card used.

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