KR20130089492A - Mediation method for loan contract between lenders and borrowers and mediation system using thereof - Google Patents

Abstract

PURPOSE: A method and a system for brokering loan contracts between creditors and debtors are provided to offer a collection agency service for facilitating the collection of a credit amount in a claim and obligation transaction between individuals. CONSTITUTION: A brokering server receives contract conditions from creditors and debtors (210). The brokering server stores a creditor and a debtor with identical conditions by mapping based on the contract conditions inputted by the creditor and the debtor and the result of credit check (220). The brokering server provides the information from the debtor to a credit institution to request the mapped creditor to provide a target object to the debtor under the contract conditions (230). The brokering server produces the payment of the mapped creditor based on an object providing history inputted from the credit institution (240). The payment or billing of the mapped creditor and debtor is requested by providing the amount of bond based on the payment to the credit institution (250). [Reference numerals] (210) Input contract conditions from creditors and debtors; (220) Store a creditor and a debtor by mapping based on the contract conditions and the result of credit; (230) Request the debtor to provide a target object to the creditor the contract conditions by providing the account information of the debtor to a credit institution; (240) Produce the payment of the mapped creditor based on an object providing history inputted from the credit institution; (250) Request the payment to the mapped creditor and debtor by providing the amount of bond based on the payment to the credit institution; (AA) Start; (BB) End

Description

[0002] The present invention relates to a method for intermediating a loan contract between a creditor and a debtor, and a mediation method for the loan contract between borrowers and a borrower and a mediation system,

The present invention relates to a technical means for brokering a contract between a creditor and a debtor, in particular, a plurality of creditors who intend to provide an object and to receive a corresponding payment, and a debtor who receives the object and provides a corresponding benefit, The present invention relates to a brokerage method for brokering contracts between two parties in a situation where a contract is presented, and a brokerage system according to the brokerage method.

In accordance with the contractual relationships established between signatures, the creditor has taken various measures to recover the principal and interest from the debtor. Traditionally, creditors receive goods or various property rights from the debtor or a third party (guarantor) as collateral for the bonds, and in the case where there is no repayment of the debts, And other property rights, or by issuing warranty insurance from a guarantee company to minimize the risk.

Most of the methods to reliably recover creditors' credits are done offline, which is time-consuming and complicated. Also, if real estate or unlisted securities are collateral, it takes a lot of time to cash them. In addition, in order to set the pledge for deposits, the depositor must notify the deposit bank of the pledge or accept the pledge from the bank, and if the debtor transacts through another account, or does not have a bankbook in particular, There is also a concern that cash may be collected in advance from the account. Furthermore, in order for existing debtors to finance funds, it is necessary to use a financial institution or a third-party loan institution. However, in the case of private companies, the interest rate is considerably high and the collection procedure is not transparent.

This conventional method of recovering a debt takes a lot of time and costs, and the method of recovering the money is confined to the loan relationship and does not show any compulsion to the debtor. Therefore, it is required to provide a collection agent service that can recover the amount of the bonds more securely and easily in the personal bond-debt transaction.

The technical problem to be solved by the embodiments of the present invention is that there is a problem that it is difficult to find an appropriate contracting party in the case of a creditor of a conventional bond-debt contract providing the objective of the bond and recovering the benefit thereof, It is not possible to secure the stability of the benefit payment, and a series of contracts and commercial transactions are carried out offline to solve the inconvenience that the procedures are not continuously and smoothly executed.

In addition, the technical problem to be solved by the embodiments of the present invention is that the debtor of a bond-debt contract has sufficient credit and reimbursement capability through transactions with a credit institution such as a credit card company Despite this, we want to resolve the inconvenience of financing only by complicated procedures such as guarantee insurance or collateral.

According to an aspect of the present invention, there is provided a method for mediating a loan contract between a creditor and a debtor according to an embodiment of the present invention is a method in which a mediator server receives a contract condition from a creditor providing a credit, step; Receiving the contract terms from the debtor of the credit institution; Mapping the creditor and the debtor matching the conditions based on the contract condition inputted from the creditor, the contract condition inputted from the debtor, and the credit inquiry result and storing the same; Requesting the intermediary server to provide, to the credit financial institution, account information or credit card information input from the mapped debtor to provide the borrower with the loan provided from the mapped creditor in accordance with the terms and conditions; Calculating a benefit of the mapped creditor based on the loan provision history input from the credit financial institution after the provision of the loan by the credit financial institution according to the request is completed; And requesting payment or claim for the mapped creditor and the mapped debtor by providing the credit amount based on the calculated payment to the intermediary server.

In the loan contract intermediation method according to the embodiment, the credit financial institution is a credit card company, and when the debtor is an affiliate of the credit financial institution, the fee to be paid for the debited creditor is the credit of the creditor Is determined by subtracting the bond amount from the card sales.

In the loan contract intermediation method according to an embodiment, when the credit financial institution is a credit card company and the debtor has a monthly credit card payment as a customer of the credit financial institution, the credit financial institution transmits the credit card of the debtor The debtor is charged with the sum of the billing amount based on the use of the credit card and the amount of the bond based on the calculated benefit amount on the settlement date.

In the loan contract intermediation method according to an exemplary embodiment, when the credit financial institution is a mobile communication company, and the borrower generates monthly mobile communication use payment as a customer of the mobile communication company, the credit financial institution transmits, The billing amount is calculated by summing the billing amount based on the use of the mobile communication and the amount of the bond based on the calculated benefit amount on the bill payment date.

In the loan agreement brokerage method according to the embodiment, in the contract brokerage method, the payment for the mapped creditor is determined according to the contract conditions entered by the creditor, irrespective of whether or not the remuneration of the mapped debtor is provided do.

In the loan contract intermediation method according to an exemplary embodiment, the intermediary server maps and stores at least one credit financial institution dealing with one debtor, and the payment request for the deceased debtor includes: Calculating a bond amount for each of the credit institutions based on the calculated payment amount, in consideration of the payment limit of the one or more credit financial institutions; And requesting payment of the sled creditor and the slobbed debtor by providing the calculated credit amount for each credit institution to each credit financial institution by the intermediary server. In the contract brokerage method, the payout calculated for the one debtor is less than or equal to the total sum of the payout limits of the credit financial institutions that deal with the one debtor, Is less than or equal to the payment limit of each credit institution.

In the loan contract intermediation method according to an embodiment, when the number of creditors matching the contract condition input from one debtor is two or more, the intermediary server calculates the interest rate of the contract terms inputted from the debtor to the number of creditors And only the creditor corresponding to the set interest rate within the threshold set by the creditor is mapped to the debtor.

The loan contract intermediation method according to an embodiment may further include a step of the intermediary server requesting the credit financial institution to pay a predetermined fee after the payment of the credit financial institution is completed in response to the request.

Meanwhile, a computer-readable recording medium on which a program for executing a method of mediating a contract between the creditor and the debtor described above is recorded in a computer is provided below.

According to an aspect of the present invention, there is provided a mediation server for mediating a loan contract between a creditor and a debtor according to an embodiment of the present invention, the mediation server receiving a contract condition from a creditor providing a loan, A communication unit for receiving contract terms from the debtor of the credit institution; A mapping unit for mapping and storing the creditor and the debtor matching the above conditions based on the contract condition inputted from the creditor, the contract condition inputted from the debtor, and the result of the credit inquiry; And a processing unit for controlling the execution of the contract through the credit financial institution in accordance with the contract conditions of the mapped creditor and the mapped debtor, wherein the processing unit is configured to update the account information or credit card information input from the mapped debtor, Requesting the creditor to provide the loan provided from the creditor to the credit financial institution through the communication unit and providing the loan to the debtor according to the contract condition, and after the loan financing of the credit financial institution is completed according to the request, Calculating the benefit of the creditor based on the credit providing history input from the credit institution, and providing the credit amount based on the calculated benefit to the credit financial institution through the communication unit, whereby the credited creditor and the creditor Or a request for payment.

In the loan contract mediating server according to an embodiment, the mapping unit maps and stores at least one credit financial institution that transacts with a single obligor, and the processing unit is configured to calculate, based on the calculated benefit, The credit amount for each credit institution is calculated in consideration of the credit limit of the institution, and the calculated amount of credit for each credit institution is provided to each credit institution through the communication unit, whereby the creditor and the creditor Request payment. In addition, in the contract mediating server, the processing unit may determine the payment such that the payout calculated for the one debtor is less than or equal to the total sum of the payout limits of a credit financial institution dealing with the one debtor, The amount of the bond is determined so that the calculated amount of the credit amount of each credit institution is less than or equal to the payment amount of each of the credit institutions.

In the loan contract intermediation server according to an exemplary embodiment, the processor may request the credit financial institution to pay a predetermined fee through the communication unit after the payment of the credit financial institution is completed according to the request.

In the loan contract mediating server according to an embodiment, the manger further includes a creditor collecting means for collecting a plurality of investors to generate a creditor group, and the creditor collecting means is a means for collecting creditors, A creditor group including the creditor and the investor by selecting a creditor indicating whether or not the investors participate in the investment, and a creditor group including the creditor and the investor by calculating the at least one of the management index and the rate of return, providing the calculated creditor information and the debtor information selected by the creditor to the investor, And sets the target amount of the bond by adding up the investment amount for each of the generated creditor groups. Further, in the contract mediating server, the creditor collecting means sets the success rate of the creditor, the minimum guaranteed return rate of the debtor, and the risk compensation ratio in accordance with the input of the creditor, And calculating a profit of the creditor and the investor in accordance with the ratio and the set success rate and if the benefit provided by the debtor is less than the set minimum guaranteed return rate, And the final profit of the investor is determined by adding the calculated value to the profit of the investor.

In the loan contract intermediation server according to an embodiment, the casualty unit further includes an authentication means for authenticating whether the debtor or the creditor's request occurs, the authentication means, the debtor or the creditor's Receives and saves a picture in advance, receives the face image taken through the camera provided in the terminal of the debtor or the creditor through the communication unit, and checks the identity by comparing the received face image with the stored picture .

Embodiments of the present invention use intermediary servers to connect appropriate contracting parties according to the terms of the debtor and creditor's contracts, Thus, it is possible to secure the stability of the investment return by providing the appropriate investment destination through the intermediary server from the viewpoint of the creditor, and utilizing the system for collecting the credit institution of the existing institution regardless of whether the provision of the debtor's payment is stopped or not.

In the case of a debtor, embodiments of the present invention can prove the creditor's credit and repayment ability through a history of continuous transactions with a credit institution such as a credit card company, and without having to provide a separate guarantee insurance or collateral, The creditors can provide continuous and stable financing online.

FIG. 1 is a diagram for explaining interaction between respective subjects and movement of funds in an environment in which embodiments of the present invention are implemented. FIG.
FIG. 2 is a flowchart illustrating a method of brokering a contract between a creditor and a debtor according to an embodiment of the present invention.
FIG. 3 is a view illustrating a process of collecting a creditor and a debtor using a contract mediating method according to an embodiment of the present invention.
4 is a diagram illustrating a process of authenticating a creditor and a debtor using a contract mediating method according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating a process of mapping two parties according to a contract entered by a creditor and a debtor using a contract mediating method according to an embodiment of the present invention.
6 is a diagram illustrating a process in which a mediating server receives approval of a contract condition from a credit institution using a contract mediating method according to an embodiment of the present invention.
7 is a diagram illustrating a process in which a mediating server fulfills a contract between a creditor and a debtor using a contract mediating method according to an embodiment of the present invention.
8 is a diagram illustrating a process in which a mediating server induces a payment of a credit institution by using a contract mediating method according to an embodiment of the present invention.
9 is a diagram illustrating a process of setting a priority reimbursement priority or a highest priority reimbursement amount in a contract mediation method according to an embodiment of the present invention.
10 is a block diagram illustrating the structure of an intermediary system for intermediating a contract between a creditor and a debtor according to an embodiment of the present invention and an intermediary server.
11 is a diagram illustrating an example of a profit distribution process using a creditor collecting means in a contract mediating server according to an embodiment of the present invention.

Prior to describing the embodiments of the present invention, it is assumed that the environment in which the embodiments of the present invention are implemented, that is, the environment in which the transaction relationship by the bond-debt contract exists, I will give an overview of the technical means.

Traditionally, there has been no funding transaction based on the credit between the signers, and the transaction between the signers is not statistically aggregated. In particular, if the amount is small, securing the security of the bond by security or guarantee insurance is more costly, and the various documents and procedures are complicated and time consuming. Accordingly, the embodiments of the present invention described below can be used for a debt collection service through a third credit financial institution having a customer base such as a credit card company or a mobile communication company in a bond-debt relationship between signatures, And a mediation system that controls them.

Through this intermediary system, embodiments of the present invention are intended to provide an environment in which lower interest rates can be induced through competition between creditors by facilitating participation of various individuals as creditors in addition to financial institutions, and an environment in which funds can be readily exchanged. In addition, embodiments of the present invention provide a creditor with various information about the debtor, provide technical means to increase mutual trust, and provide a reliable method of recovering money, It is significant to activate in sunny place.

Hereinafter, a credit card company is assumed as an example of a credit institution and a loan contract is assumed as an example of a bond-debt contract. At this time, the debtor has a mutual relationship in which sales are generated through continuous transactions as a customer of a credit card company (for example, a credit card company can be a franchisee). That is, for convenience of operation, in the embodiments of the present invention, it is preferable that the debtor is placed in an environment capable of proving that he has credit or repayment ability through a specific transaction relationship of a credit institution. However, regardless of whether or not the reimbursement capability is proven, the credit card company may collect the advance commission if the creditor is allowed to engage in inter-individual transactions. In summary, the environment in which the embodiments of the present invention are implemented has a separate contract or relationship with the debtor and the credit institution other than the contractual relationship between the creditor and the debtor.

FIG. 1 is a diagram for explaining interaction between respective subjects and movement of funds in an environment in which embodiments of the present invention are implemented. Hereinafter, a description will be given of a case where the debtor 10, the creditor 20, the intermediary server 30, Provide an overview of the role of the agency (40).

The intermediary server 30 plays a role of establishing a contract by connecting the two parties according to the contract conditions of the debtor 10 and the creditor 20, respectively. Accordingly, in a strict sense, the debtor 10 and the creditor 20 do not have any debts or bonds before the contract is established by the intermediary server 30, and have a sort of subscriber status. Also, as briefly introduced above, the debtor 10 is a party that has been granted credit and reimbursement capability through a separate contract or transaction with the credit institution 40.

If the bond-debt contract is established through the intermediary server 30, the creditor 20 first provides the object of the bond to the debtor 10. [ The object of these bonds may be money, goods or services. However, it is desirable that the object of the bond be a good or service of a quality that can be controlled by the credit institution (40), considering the means of ensuring the stability of contract execution adopted by the embodiments of the present invention. For example, if the bond-debt contract is a loan contract, the creditor 20 will loan money to the debtor 10 via the credit institution 40. Of course, this series of processes is controlled through the intermediary server 30. In the following, this bond-debt contract is a loan contract, and the object of the bond is a loan.

Now, let's assume that the loan contract has arrived. If the dispenser arrives, the debtor 10 will likewise provide the creditor 20 with the benefit of the bond (e.g., the principal and interest). This reimbursement is also performed through the credit financial institution 40 under the control of the intermediation server 30. [ At this time, the credit financial institution 40 does not merely deliver the benefit provided by the debtor 10 to the creditor 20, but also generates a credit transaction that has occurred due to a separate transaction between the debtor 10 and the credit institution 40 You can settle the sales amount and the corresponding benefit. For example, if the debtor 10 is a merchant of a credit card company, there will be a monthly sales to the credit institution 40 through the debtor 10. Accordingly, the payment of the bond that the debtor 10 should provide to the creditor 20 and the receivable that the debtor 10 should receive from the credit institution 40, and remit the difference.

In addition, the credit institution (40) will provide the creditor (20) with the benefit of the bonds promised by the bond-debt arrangement. At this time, it is preferable that the embodiments of the present invention provide the creditor 20 with the benefits of the bonds, regardless of whether or not the debtor 10 is reimbursed. Through this structure, the intermediary system according to the embodiments of the present invention can ensure the continuous and stable recovery of the amount of credits to the creditor 20, and can easily lend money to the debtor 10 based on his / And may generate a separate revenue (eg, a prepaid handling fee) from the customer (meaning the debtor) for the performance of the bond-debt contract to the credit institution 40 have. Of course, the intermediary server 30 will also be able to achieve profits by collecting brokerage commissions on the bond-debt contract intermediation.

As another example, suppose that the debtor 10 is an individual who is an individual who has a credit card issued by a credit card company. In this case, the credit card payment date will be determined each month according to the use of the credit card of the debtor 10. Accordingly, the credit institution 40 (meaning a credit card company) can claim the principal and interest according to the terms of the loan agreement as well as the credit card usage amount of the month in the payment date. That is, the credit institution 40 requests the debtor to collect the sum of the amount of the claim calculated based on the credit card settlement date of the debtor 10 and the amount of the bond calculated in accordance with the terms of the contract.

In this case, there is no problem in reimbursement if the amount paid from the debtor (10) is greater than or equal to the total amount of charges calculated above. However, if the amount paid from the debtor 10 is smaller than the total amount of the charges, a problem of determining the ranking of the reimbursement occurs. In other words, it is necessary to decide which of the loan amount (1) and the loan amount (principal and interest), which constitute the total amount of charges, is to be reimbursed first.

Accordingly, the loan contract mediating method according to an embodiment of the present invention includes the steps of setting a reimbursement rank or a highest priority reimbursement amount for a bill for a credit card use included in an amount charged to a debtor and the calculated benefit amount As shown in FIG. Then, if the debt is paid by the debtor in response to the request for payment of the debtor, the reimbursement will be handled according to the order or top priority reimbursement amount set out above.

More specifically, the contracting parties, including the creditor, can select the method of reimbursement for the payment made by the debtor in a situation where a plurality of reimbursement targets coexist. That is, a priority order for a plurality of reimbursement targets can be determined. If the priority of settlement is not set, the credit card amount to be paid every month should be repaid first, and the amount of the bond money can be recovered from the remaining payout amount. On the other hand, if you set the priority of the liquidation, you can decide whether you want to reimburse the entire amount of the bond again or only the top amount of the bond amount. In the latter case, you will be able to input the amount or percentage (%) of the top priority reimbursement. Hereinafter, various cases will be described in more detail.

First, it does not decide on a separate priority, and the credit card payment amount is paid in preference to the bond amount of the creditor. In view of the credit card company, a high priority is given to the credit card payment amount among the money deposited from the debtor (10), and a deposit process can be performed first, and a loan can be subordinated to the credit card. It is not delinquent. In this case, the interest on the delinquent loan due to the delayed payment may be added in accordance with the agreed loan contract, and the monthly credit on the credit card use billing bill next month may be added together with the overdue loan.

Alternatively, depending on the manner in which the creditor 20 pays to the credit card company, the reimbursement priority for the withdrawal amount may be set in various ways. In the mediation system according to the present embodiment, the priority of the reimbursement for the amount collected from the debtor 10 can be adjusted in advance according to the commission to be paid. That is, the order of reimbursement can be determined in advance for the claims based on the use of the credit card included in the amount billed to the debtor (10) and the benefit calculated from the above. At this time, it is preferable that the order of the reimbursement is given a higher priority than the charge of the credit card and the calculated benefit, which are relatively high in commission. However, if desired, Lt; / RTI >

If the creditor 20 is to pay a relatively high fee in accordance with the terms of the loan agreement, higher payment of the loan payment will be given to the credit card company 20 so that all the amount recovered from the debtor 10 will be credited to the creditor 20 The settlement processing is performed first, and when the shortage of the credit card usage amount among the total charges is incurred, the debtor (10) is in a situation of delinquent payment of the credit card use amount. However, from the viewpoint of the operation of the intermediary system, assuming that the total overdue amount is 10 million Yuan, the card money amount is 3 million Yuan and the 7 million Yuan is the debt amount, the credit card company only has the right of overdue for 3 million Yuan, The system may also be able to process the bill so that it can hand over the bond rights to 10,000 won.

On the other hand, if the creditor 20 pays a relatively low fee, the creditor 20 will be given a lower payout rank compared to the credit card company. Therefore, after all credit card payments have been settled, only the remaining amount of money will be settled for the collection of the credit card company. In this case, if the debtor 10 only settles the credit card use amount, the debtor 10 will be deemed not to be overdue with respect to the credit card amount.

Further, consider the case of setting the highest amount of reimbursement through the intermediary system. In this case, the highest reimbursement amount (the highest priority reimbursement amount may be set as the amount itself or a certain ratio) for the amount of the bond of the creditor 20 can be set. For example, if the amount paid from the debtor 10 is 3 million KRW, the credit card company's claim amount is 2 million KRW, and the amount of credits (meaning the loan principal and interest) to the creditor 20 is 1.5 million KRW Assuming that the highest priority payment amount is 500,000 won of the creditor's bond, the repayment order is as follows. The amount of the bond will be deducted from the amount of 3,000,000 won, the amount of the bond will be 500,000 won, the amount of the remaining amount will be 2,000,000 won, the amount of the credit card company's claim will be 2,000,000 won, and the remaining amount will be 500,000 won. . In this case, even if the remaining amount of 500,000 won is covered by the 1 million won reimbursement, excluding the amount of the highest amount of the bond amounted to 500,000 won among the total bond amount of 1,500,000 won, the reimbursement will not be possible for the insufficient amount of 500,000 won. These unrecoverable deficit amounts may be carried forward to the next month and added together with the newly generated amount of the bond.

Now, as yet another example, suppose that the credit institution 40 is a mobile carrier. In this case, in the case described above (where the debtor is a general individual who uses a credit card issued by a credit card company, and the credit card usage fee is paid each month), the mobile communication company, in lieu of the credit card company, And the like. First, the mobile operator establishes a contract with each bank, creates an intermediary service account for brokering the bond-debt contract, and then transfers the principal of the loan from the creditor 20 to the account of the mobile communication carrier from the creditor 20 ). Of course, the mobile carrier will be able to claim a certain commission from the creditor 20 on the basis of the brokerage service of the loan contract, and to remit the creditor 20 only the amount excluding the commission. This service fee may also be borne by one or both of the debtor (10) or the creditor (20). Then, the mobile communication company records such transaction details in the intermediary server 30, notifies the debtor 10 and the creditor 20 that the transaction is proceeding, and then notifies the monthly bill of the mobile communication company , The borrower (10) will be charged with the sum of the principal and interest due to the loan contract. Now, when the debtor 10 transfers the requested amount to the account designated by the mobile communication company, the mobile communication company delivers the loan principal and interest excluding the communication fee to the creditor 20.

As in the case of the credit card company described above, even in the case of a loan contract intermediation method using a mobile communication company, the reimbursement price for the use of mobile communication included in the amount charged to the debtor, And setting the highest priority amount. Therefore, the mobile communication use price may or may not be delayed due to the payment made by the debtor in accordance with the settlement order or the highest priority payment amount set.

FIG. 2 is a flowchart illustrating a method of intermediating a contract between a creditor and a debtor according to an exemplary embodiment of the present invention. The mediation server may be implemented as a computer system having a conventional server-client architecture, communicating with a client (which may be a creditor and a debtor's terminal) and another server (which may be a credit institution) It has basic hardware that can perform the defined operation for contract mediation. Since the configuration of such a computer system can easily be suggested by a person having ordinary skill in the art to which the present invention belongs, the configuration of the computer system will be described below, focusing on the role and operation of the mediating server.

In step 210, the intermediary server receives contract terms from the creditor and the debtor.

To this end, the intermediary server receives the contract terms from the creditor providing the object of the bond to the credit institution. That is, the creditor accesses the intermediary server through a terminal such as a PC or a mobile phone to input or select his or her own investment conditions such as the loan amount, the interest rate, the repayment period, and the credit rating of the debtor. From an implementation point of view, the intermediary server may classify the debtor by each condition and category, display it through the creditor's terminal, and direct the choice from the creditor.

On the other hand, the creditor will provide the object of the bond to the credit institution. In other words, the object of the bond is ultimately provided to the debtor who is the contracting party through the credit institution. If the implementation of the object of the bond is of a nature that is difficult to be handled by the credit institution, it may be replaced by a separate verification means to confirm the performance of the bond. For example, if the object of the bond is the provision of goods or services, the intermediary server can notify the intermediary server or the credit institution of the result after the object is transferred to the debtor. You can do it.

Further, the intermediary server receives the contract terms from the debtor of the credit financial institution. That is, the debtor also accesses the intermediary server through a terminal such as a PC or a mobile phone to input or select his / her loan contract terms such as the loan amount, the interest rate, the repayment period, and the reimbursement means. From an implementation point of view, the intermediary server may classify creditors by their terms and categories, display them through the debtor's terminal, direct the choice from the debtor, or send the terms of the debtor to the creditor who is waiting for the investment.

In step 220, the intermediary server maps and stores the creditor and the debtor matching the above conditions based on the contract condition input from the creditor, the contract condition entered from the debtor, and the result of the credit inquiry. For this purpose, a storage medium utilizing a separate database or structure may be used.

As previously stated, it is desirable that the debtor is a person who can prove his / her credibility and reimbursement ability by a separate transaction or contract with a credit institution. Through this structure, the intermediary server can mediate the transactions with the creditor through the credit inquiry of the creditor to the credit institution and reduce the risk of the withdrawal of the funds.

At this time, if the credit institution is a credit card company and the debtor who is credited has a separate account receivable as a franchisee of the credit institution, the payment for the debtor who has been credited is made by the debtor It may be determined as an amount of credit card sales minus the amount of the bond.

On the other hand, if the credit institution is a credit card company and the debtor who is credited is an individual customer of the credit institution, if the credit card is charged every month, the credit institution may charge the debtor The debtor may claim the sum of the proceeds and the amount of the bonds based on the calculated benefit.

Further, if the credit institution is a mobile communication company, payment of the sled debtors may be determined by summing up the amount of mobile communication use of the slave debtors and the amount of the bonds. In other words, if the debtor generates a mobile communication usage fee every month as a customer of a mobile communication company, the mobile communication company calculates the sum of the billing amount based on the use of mobile communication and the amount of the bond based on the calculated benefit on the payment date of the debtor's mobile communication fee He / she may charge the above-mentioned debtor.

Meanwhile, it is preferable that the payment for the creditor is determined according to the contract conditions entered by the creditor irrespective of whether the creditor provides the credited creditor. Because the embodiments of the present invention adopt a structure in which a separate fee is collected in exchange for securing the stability of the collection of the bonds through a separate third-party credit institution rather than a direct bond-debt contract between the parties Because. In other words, creditors can guarantee stable collection of credits by paying intermediary server operators and credit institutions with separate brokerage commissions and contract execution fees.

In step 230, the intermediary server provides the account information or the credit card information inputted from the mapped debtor to the credit financial institution so that the object (which will be a loan in case of a loan contract) provided from the mapped creditor is transferred to the contract To be provided to the debtor in accordance with the conditions. That is, the intermediary server requests the creditor to provide the object of the bond to the debtor in accordance with the contractual relationship of the creditor-debtor. For this purpose, the intermediary server provides the creditor 's account information or credit card information to the credit institution, and induces the credit institution to receive the object of the bond from the creditor and provide it to the debtor.

Now, suppose that the provision of the object of the credit institution according to the request of step 230 is completed.

In step 240, the intermediary server calculates the benefit of the mapped creditor based on the object providing history input from the credit financial institution by the intermediary server. This benefit calculation is based on the contents of the contract, and can be changed by one-time payment or installment. Also, the interest rate of the creditor should be reflected in these benefits.

In step 250, the mediating server requests payment or request for the mapped creditor and the mapped debtor by providing a credit amount based on the payout calculated in step 250 to the credit financial institution. As with providing the object of the bond in step 230, the payment based on the benefit is also preferably implemented through the credit institution. The purpose and the effect are of course also aimed at recovering stable bonds.

Meanwhile, after the payment of the credit financial institution is completed according to the request of step 250, the intermediary server may request payment of the fee to the credit financial institution. In this case, the commission payment may be executed from the credit institution directly to the operator of the intermediary server at a predetermined time without requesting the commission payment of the intermediary server.

As mentioned earlier, there are three cases where the amount requested for the debtor depends on the type of credit institution and the debtor.

First, if the credit institution is a credit card company, and the debtor is an affiliate of the credit institution, the amount to be paid to the debtor is determined by subtracting the amount of the bond from the credit card sales of the debtor .

Second, when a credit card company is a credit card company, and a debtor has a credit card charge every month as a customer of the credit financial institution, the credit financial institution calculates the amount of the charge based on the use of the credit card on the debtor's credit card settlement date The amount of the bond based on the calculated benefit amount may be summed up to the debtor.

Thirdly, if the credit financial institution is a mobile communication company and the debtor has a monthly mobile communication use payment as a customer of the mobile communication company, the credit financial institution transmits a billing amount corresponding to the use of the mobile communication to the debtor's mobile communication fee payment date The amount of the bond based on the calculated benefit amount may be summed up to the debtor.

In the second and third cases, at least two amounts may be included in the amount billed to the debtor: ① the charge for the use of credit card or mobile communication; and ② the benefit calculated through step 240. Therefore, if payment is made from the debtor, it is necessary to determine the priority of the reimbursement for the above two amounts.

Hereinafter, with reference to FIG. 9, a process of mediating the contract between the creditor and the debtor of FIG. 2 will be described in which the priority order or the highest priority amount is set and redeemed. In FIG. 9, step 250 corresponds to step 250 of FIG. 2. Here, a method of reimbursement will be described focusing on a process performed before step 250 and a process performed thereafter.

In step 910, the priority or the highest priority amount of the settlement is set. In this case, if the priorities of reimbursement are not separately set, the amount of the above two amounts (① charge for credit card or mobile communication use and ② benefit for calculated loan contract) according to the default setting Can be given priority. If you set the priority of the reimbursement, the reimbursement will be performed according to the set priority. Also, in step 910, the highest priority amount can be set. In this case, it is possible to set the highest amount of reimbursement (the amount can be specified or a certain percentage of the amount of the bond can be input) for the benefit of the calculated loan contract, that is, a certain amount of the bond amount. This process should be performed before step 250, which requests payment to the debtor.

In step 920, if the bill is paid from the debtor according to the request of step 250, it is checked in step 930 whether the paid amount can be allotted to the reimbursement. If the reimbursement can be made by the amount paid, the system proceeds to step 950 and reimburses the entire amount of the reimbursement. On the other hand, if only some of the amount charged from the debtor is paid and the entire reimbursement process is impossible, the reimbursement is processed according to the priority or the highest priority reimbursement amount set in step 910 in step 940.

In summary, a reimbursement ranking or a highest priority payment amount is set for the billing amount based on the credit card or mobile communication usage included in the amount charged to the debtor at a time point before step 250 of FIG. 9 and the calculated benefit amount The method comprising the steps of: Accordingly, when the debtor pays the debts according to the request for payment of the debtor, the deduction amount is processed according to the set reimbursement rank or the highest priority reimbursement amount. Further, it is preferable that the order of such reimbursement is given a higher priority among those charges, which are relatively higher in commission, among the bill and the calculated bill due to credit card or mobile communication use.

Hereinafter, each process according to the embodiment of FIG. 2 will be described in more detail with reference to FIGS. 3 to 8. FIG. Each of the embodiments has been proposed as an example for implementing the corresponding process, and as long as the essence of the present invention remains the same, various and flexible applications will be possible in view of the implementation.

FIG. 3 is a diagram illustrating a process of collecting a creditor and a debtor by using the contract mediating method according to an embodiment of the present invention. Here, the creditor 20 recruits the debtor 10 through the intermediary server 30 The situation is illustrated.

The debtor 10 accesses the intermediary server 30 through a terminal such as a PC or a mobile phone, and inputs information such as a loan reason, a repayment plan, an interest rate, and a credit card company. The input information is automatically classified and stored in a category (for example, a school fund or a business fund, etc.) designated in advance by the mediation server 30. The debtor 10 must receive and list the credit information for the member from the main credit card company 40. The credit card company 40 provides the past delinquent history of the debtor, the monthly average payment amount, the total card limit, And loan information from an organization can be provided together.

It is preferable that the contract conditions inputted from the creditor 20 include the credit rating of the debtor 10, the set amount, the interest rate and the repayment period. The intermediary server 30 then inquires the credit institution 40 of the credit rating of the debtor 10 to determine the debtor 10 according to the contract conditions entered from the creditor 20.

The creditor 20 can search the borrower 10 and can search for the loan purpose, the credit rating, the repayment plan, the interest rate and the like at the time of retrieval. The creditor 20 can automatically notify the creditor 20 of the existence of the debtor 10 entering the loan condition through the intermediary server 30 when the creditor 20 enters his / her preferred type of the debtor condition. Through this process, the intermediary server 30 can induce the participation of the creditor 20 and the debtor 10 in the contract.

If the amount of the debt is large, many creditors (20) can jointly raise funds and borrow to the debtor (10). In this case, as the number of the creditors 20 increases, the debtor 10 may renegotiate the interest rate condition and only the creditor 20 who accepts the changed conditions may participate in the contract. That is, when there are two or more creditors 20 meeting the contract conditions inputted from one debtor, the intermediary server 30 decreases the interest rate of the contract conditions inputted from the debtor 10 to be proportional to the number of the creditors It is preferable that only the creditor 20 corresponding to the case where the set interest rate is within the predetermined threshold value by the creditor 20 is mapped with the debtor 10. [ The negotiation process of these contract conditions may be selectively adopted according to the environment in which the embodiments of the present invention are implemented.

If the debtor 10 or the creditor 20 is selected through the above process, the other party of the contract is confirmed by approval.

4 is a diagram illustrating a process of authenticating a creditor and a debtor using a contract mediating method according to an embodiment of the present invention.

4, the creditor 20 and the debtor 10 are provided with the credit institution 40 and the creditor 20, respectively, as the premise of the present invention assures the flow of funds through the third trust institution (credit institution) And whether or not there is a transaction relationship with the customer. The credit institution 40 may be a credit card company or the like and may perform authentication through the intermediation server 30. The intermediary server 30 and the credit financial institution 40 communicate with each other through a separate communication channel or an application programming interface (API) ) To the credit institution (40) to perform authentication.

The creditor 20 and the debtor 10 join the website of the intermediary server 30 and select a payment method. The payment method refers to a payment medium (for example, a credit card company or a mobile communication company) through a credit institution 40 having a transaction relationship with a creditor and a debtor. The main input items include an e-mail address, credit card information, resident registration number, and the like. When the input is completed, the credit card issuer 40 confirms whether the member is a member such as a credit card company, To the creditor (20) or the debtor (10).

FIG. 5 is a diagram illustrating a process of mapping two parties according to a contract entered by a creditor and a debtor using a contract mediating method according to an embodiment of the present invention.

First, when the debtor 10 inquires of the intermediary server 30 about the available loan amount, the intermediary server 30 inquires the credit institution 40 about the contents. Since the embodiments of the present invention are designed based on the history of transactions between the debtor 10 and the credit institution 40, the credit institution 40 can be loaned based on the accumulated credit status of the debtor 10 The amount is determined.

Now, the debtor 10 and the creditor 20 respectively input the mutually agreed contract conditions to the intermediary server 30 via the web or the mobile. For example, if the contract is a loan contract, these loan terms could include the amount of the bond, the interest rate, the repayment period, and so on. Then, the intermediary server 30 checks the consistency by matching the loan conditions presented by the two parties, and returns the result of the debtor-creditor conception when the mutual conditions are matched.

If the transaction is successful, a transaction approval number is generated and transmitted. If the transaction is unsuccessful, an error message is displayed on the terminal screen of the debtor (10) and the creditor (20).

The transaction approval number sets the value input by the creditor 20 out of the debtor 10 and the creditor 20 as the initial approval number value and gives the same approval number value to the debtor 10, It is preferable not to notify before. When the conditions are mutually coincident, it is possible to notify both parties that the approval number has been issued through communication means such as e-mail or SMS.

Meanwhile, due to the development of the local area network, a lot of portable terminals adopting the technical means such as NFC and QR code have been released recently. In embodiments of the present invention, the debtor 10 and the creditor 20 can utilize NFC as a means of identity verification and transaction verification. For example, after inputting transaction conditions, credit card information, and the like in each terminal, tagging the mutual terminals, a notice indicating successful transactions is displayed if the loan conditions are identical, and at the same time, It may also be possible to save the results of the loan contract conditions by transmitting the results of the transactions.

Further, in order to authenticate the individual terminal, the user's photo is registered in the intermediary server 30, and then the face image of the terminal user photographed through the camera or video call is compared with the photo registered in the intermediary server 30, . ≪ / RTI >

On the other hand, the debtor 10 periodically transacts with the credit card company as a customer of the credit card company. If the debtor is an individual customer of the credit card company, the credit card usage fee and the monthly loan repayment amount used by the debtor are charged. If the debtor is a merchant, the debtor can deduct a portion of the daily receivable amount. If the debtor is a person and there is a credit card remaining limit, the credit card company will lend cash to the debtor (10) and remit the loan amount to the creditor (20) within the limit if the monthly loan repayment amount is insufficient .

For example, let's assume that a person has a credit card limit of 5 million won, a total usage amount of 2 million won, a credit card use amount of 1 million won this month, and a loan amounting to 8 million won through this intermediary system. Let's suppose that we repay the loan according to the repayment condition of 8 months with a principal of 1 million won and a interest of 100,000 won every month. In this case, the total bill this month is 1 million won (credit card use) + 1.1 million won (loan principal and interest) = 2.1 million won. However, at the present time, the remaining limit of 3 million won (5 million won - 2 million won) remains. If there is a shortage of 1.1 million won for monthly repayment of loans, it is possible to send remittance to the creditor (20) without delinquency by approving the remaining limit of 1.1 million won by the credit card company other than cash service limit. Of course, such a loan repayment method could be carried out either by a loan agreement or by the choice of the debtor.

However, if the debtor is an affiliate of a credit card company, if the sales of all the franchisees are used for the repayment of the debt due to the loan contract, the business nature may be damaged and the risk of default may increase. For example, assuming a franchisee is a restaurant, expenses can include raw materials, food, and labor. If the sum of raw materials, food materials and direct labor costs is 5 million won, these items are expenditures necessary for the operation of the restaurant. Therefore, the necessary expenditure of 5 million won can be set as a deposit. According to the deposit setup, if the sales amount is less than 5 million won, the sales of the merchant can not be used for the loan repayment, and the surplus amount can be recovered only when the sales amount is over 5 million won. That is, the deposit is a kind of financial safeguard to prevent the insolvency of the merchant. Therefore, the brokerage system according to the present embodiment can set a deposit at the time of setting the withdrawal conditions of the receivable and provide the function of processing the amount of the repayment only if the sales amount is equal to or greater than the corresponding amount.

If the transaction is made through a financial institution such as a credit card company or a partner company for payment of a commodity cost such as foodstuffs, the nature of the sales amount and each amount of money can be extracted and classified by the system. Therefore, the intermediary system according to the present embodiment can be applied only when the sales amount can be classified according to the nature of the transaction (interior, goods supply, etc.) It may be possible to set up the withdrawal of funds. For example, assume that the debtor 10 operates a café as a credit card company's merchant. The café sells a wide range of coffee and beverages, as well as bakery products such as bread and sweets. If you want to manufacture bread by introducing a good machine for baking at a cafe but you do not have the investment possibility right now, the debtor (cafe operator) will be provided with a bread maker from the maker of the bread maker, Of the sales generated from cafes of coffee and beverages can be set to be able to recover the loan only by sales. For this purpose, it is possible to input the item code in advance of the credit card sales slip and extract only the sales of the inputted item code, so as to calculate the total sales amount, and settle it in accordance with the loan contract.

6 is a diagram illustrating a process in which a mediating server receives approval of a contract condition from a credit institution using a contract mediating method according to an embodiment of the present invention. In FIG. 6, the intermediary server 30 transmits personal information about the creditor, the debtor, loan terms and approval number to the credit institution 40, and the credit institution 40 inquires of the customer database, And credit rating, to inform the final transaction approval.

7 is a diagram illustrating a process in which a mediating server fulfills a contract between a creditor and a debtor using a contract mediating method according to an embodiment of the present invention.

In FIG. 7, the intermediary server 30 transmits the final approval numbers received from the credit financial institution 40 to the creditor 20 and the debtor 10, respectively, and notifies the final transaction details thereof. Then, the creditor 20 enters the account to be paid with the object (payment) of the bond by the intermediary server 30, and the creditor 20 transmits the account to the account of the credit institution 40, You will be remitted to your account. In this process, the intermediary server 30 preferably secures the security by inquiring the credit institution 40 whether the account is valid.

Now, the credit financial institution 40 collects the handling fee for a certain portion, and then transfers the payment to the account of the credit card account of the debtor 10 or the account desired to deposit the money. When the above process is completed, the final transaction details are displayed on the screen of the terminal of the party in real time or notified to the party through SMS or MMS.

8 is a diagram illustrating a process in which a mediating server induces a payment of a credit institution by using a contract mediating method according to an embodiment of the present invention.

First, the mediating server 30 calculates the payout of the creditor 20 based on the contract content. These benefits will reflect the interest rate under the original contract. Then, the intermediary server 30 requests the credit institution 40 to pay the creditor and the debtor, thereby inducing the settlement of the credit institution 40. [

The credit institution (40) calculates the payment amount to be paid to the debtor (10) and the creditor (20), respectively, in accordance with the request. At this time, the amount to be paid to the debtor (10) can be offset with the transaction details of the debtor (10) and the credit finance institution (40) and the settlement amount due to the sales. For example, if the debtor 10 is a credit card franchisee of the credit financial institution 40 and there is a sales generated by his / her affiliation history, the debtor 10 is transferred to the credit financial institution 40 Revenue from the creditor's contribution and the affiliation to be paid can be offset against each other and only the difference can be remitted.

In addition, the intermediary server 30 requests the credit institution 40 to pay a commission according to the transaction, and the credit institution 40 pays the commission accordingly.

Meanwhile, in order to increase the success rate of the receipt of the bonds, the intermediary server in the embodiments of the present invention can provide an integrated merchant point management system by providing the mutual settlement function between a plurality of credit institutions.

If the merchant A (the debtor) is engaged in transactions with credit card companies A, B, and C (credit financial institutions), credit or reimbursement capability of the merchant A (the debtor) It can be determined by adding up the total sales volume. That is, the credit of the merchant A (the debtor) can be grasped only when the sum of all the sales generated through the transaction with the merchant A (the debtor) is considered.

Therefore, the embodiment of the present invention described below proposes a management means for integrally managing a plurality of credit institutions that deal with such debtor. To this end, the intermediary server evaluates the credit to the debtor by aggregating and integrating the sales of each credit institution that trades with a debtor.

For example, suppose that the monthly repayment amount of the franchisee A, which is the debtor by the bond-debt contract, is 5 million won. Let's assume that card sales from credit card companies A, B, and C are 500,000 won, 1 million won, and 4 million won, respectively, through merchant A. In this case, the sales from any credit card company can not be reimbursed for the monthly repayment amount of 5 million won. Therefore, in such a case, the embodiment of the present invention can be applied to a comprehensive (collectively referred to as " total amount of sales ") credit obtained from a plurality of credit institutions (that is, credit card companies A, B and C) It is possible to distribute the reimbursement to each credit institution. In the above example, the total sum of the loans of the three credit institutions is 5.5 million won, so that the monthly repayment amount of the franchisee A can be all covered.

In reimbursement, the intermediary server may sequentially cover the credit institutions of the credit institution according to the predetermined order of reimbursement, or may cover the reimbursement according to the ratio of the credit.

In summary, in order to improve the stability of the collection of bonds, the intermediary server maps and stores at least one credit institution that trades with a debtor. In this way, the intermediary server calculates the amount of the bond by each credit institution considering the payment limit of one or more credit institutions based on the calculated benefit, and provides the calculated amount of the bond by the credit institution to each credit institution The creditor and the debtor. In this case, the benefits calculated for one debtor are less than or equal to the total sum of the payment limits of the credit institutions that deal with one debtor, and the calculated amount of the credits by the credit institutions is less than the payment limit of each credit institution It is preferable to be determined to be smaller or equal.

Here, the credit limit of a credit institution means a practical limit of the amount of money that can be paid by the credit institution concerned, which does not simply mean a credit card company's payment limit. For example, assuming that the debtor is an affiliate of a credit card company, this case corresponds to the case where the merchant's trade receivables are collateralized, so the benefits determined for the debtor are strictly less than or equal to the sum of the payment limits .

On the other hand, assuming that the debtor is an individual, such benefits can be decided somewhat more flexibly. If the credit card limit is 5 million won and the current credit card use amount is 2 million won, you can usually decide to pay 3 million won. However, if you decide to limit the payment amount to 8 million won according to your own credit evaluation, you will be able to pay 800 million won regardless of the credit card company's payment limit of 5 million won and credit card approved amount of 3 million won It may be able to give ten thousand won to the debtor. In other words, for a debtor with a credit limit of 5 million won, an additional credit can be loaned through a separate credit evaluation regardless of the credit card limit. Furthermore, unlike the above example, if the limit is calculated by only 1 million won through credit rating, even if credit card company's approval limit remains, the debtor will be able to flex only 1 million won.

If the credit card limit is 5 million won and the credit limit is 10 million won, if the debtor requests 20 million won loan and the creditor accepts it, the credit card company will be able to pay according to the choice of the creditor. . First, if the creditor 's commission is relatively low, the credit card company will give 20 million won, and the settlement process will be possible only if the loan is collected regardless of whether the loan is collected or not. Second, let's assume that the fee payable by the creditor is medium, and the debtor's credit card use amount for the month is 10 million Yuan. In this case, the borrower's requested loan amount of 20 million won, the portion of the self-assessment amount of 10 million Yuan guarantees the recovery agent, the debtor transfers the 10 million Yuan allocated to the self-evaluation amount to the creditor at the time of depositing 10 million Yuan, 10 million won can be deferred. After that, if the debtor again deposits 5 million won, it will be reimbursed first with the card payment amount. Third, if the commission paid by the creditor is relatively high, all of the 20 million won deposited from the debtor will be reimbursed as a bond amount.

FIG. 10 is a block diagram illustrating a structure of an intermediary system for intermediating a contract between a creditor and a debtor according to an embodiment of the present invention, and corresponds to each step of the contract intermediation method described with reference to FIG. . Therefore, in order to avoid duplication of description, only the respective configurations and functions are outlined in terms of hardware.

In the individual structure constituting the intermediary system, a plurality of creditors (which may be a debtor's terminal in terms of implementation) 10, a plurality of creditors (which may be a creditor's terminal in terms of implementation) 20, A plurality of credit institutions 40 and a mediation server 30 are included. At this time, the debtor 10 and the credit finance institution 40 correspond to M: N (note that M and N are positive integers). Hereinafter, the configuration of the mediation server 30 will be introduced.

The communication unit 31 receives the contract terms from the creditor 20 providing the object of the bond to the credit financial institution 40 and receives the contract conditions from the debtor of the credit financial institution 40. [ The communication unit 31 may utilize various communication means according to the server-client structure, and may be realized by a combination of a physical communication hardware and a communication module for controlling the communication hardware.

The mapping unit 35 compares the condition of the creditor 20 that matches the above conditions based on the contract condition input from the creditor 20, the contract condition input from the debtor 10, and the credit inquiry result using the credit institution 40, And the debtor (10). For this, the mapping unit 35 may use a recording medium utilizing a separate database or data structure.

The processing unit 33 controls the execution of the contract through the credit financial institution 40 in accordance with the contract conditions of the creditor and the debtor that are mapped through the mapping unit 35. More specifically, the processing section 33 provides account information or credit card information input from the debtor 10 to the credit financial institution 40 through the communication section 31, To the debtor (10) in accordance with the terms and conditions of the contract. In addition, the processing unit 33 may be configured to transmit the credits of the mapped creditors based on the object providing history input from the credit financial institution 40 after the object provision of the credit financial institution 40 according to the request is completed . The processing unit 33 then provides the credited amount based on the calculated payment to the credit financial institution 40 through the communication unit 31 so that the mapped creditor 20 and the mapped debtor 10 can make a payment, Or a request for payment.

Of course, the processing unit 33 may request the credit financial institution 40 to pay a predetermined fee through the communication unit 31 after the payment of the credit financial institution is completed in response to the request.

Furthermore, the mapping unit 35 can map and store at least one credit institution that trades with a debtor. Using this, the processing unit 33 calculates the amount of the bond by each credit institution in consideration of the payment limit of one or more credit institutions based on the calculated amount, and transmits the calculated amount of the bond by the credit institution to the communication unit 31 to the respective credit financial institutions 40, thereby requesting the creditors 20 and the mock debtor 10 to pay for the mysterious creditors 20. At this time, the processing section 33 determines the payment such that the payout calculated for one debtor is less than or equal to the total sum of the payout limits of the credit financial institutions that deal with the one debtor, and the calculated credit It is preferable that the amount of the bond is determined so that the amount of the bond by each financial institution is smaller than or equal to the payment amount of each of the credit institutions.

The processor 33 may be implemented through a combination of at least one processor and a memory for supporting a series of operations defined as described above. In addition to the software for controlling the hardware, Can be designed to operate.

Meanwhile, the mapping unit 35 of the mediation server 30 shown in FIG. 10 can provide a large-scale fund composed of a plurality of creditors or investors by having a technical means capable of collecting a plurality of creditors in particular have.

If the creditor wants to generate a large amount of loan, the creditor can analyze the loan purpose, interest rate and repayment plan entered by the debtor through the intermediary server and conclude the loan contract by selecting the debtor. In addition, many creditors tend to imitate creditors with high yields (ie, low default rates) and high yields. Following these successful creditors, many investors will be able to mobilize large funds.

To this end, the mapping unit 35 further includes a creditor collecting means 37 for collecting a plurality of investors to generate a creditor group. The creditor collecting means 37 calculates at least one of the risk management index or the yield rate for each creditor based on the creditors' investment history, and provides the creditor with the calculated creditor information and the creditor information selected by the creditor. Then, the creditor collecting means 37 generates a creditor group including the creditor and the investor by selecting a creditor indicating whether or not the investors participate in the investment, and then collects the investment amount by the creditor group generated, Set as the target. Hereinafter, a method of constructing a creditor group will be described in more detail with reference to FIG.

11 is a diagram illustrating an example of a profit distribution process using a creditor collecting means in a contract mediating server according to an embodiment of the present invention. Referring to FIG. 11, when a debtor 10 receives funds from a plurality of investors . In FIG. 11, it is assumed that creditor A (20) recruits other investors and sets a large amount of investment.

As shown in FIG. 11, the conditions under which the creditor A 20 recruits investors are as follows. As stated in the creditor recruiting means (37), the total amount of debts of a plurality of debts (Debtor A, Debtor B, and Debtor C) is 40 million Yuan, and the amount of investment (object of the bond) to be. Therefore, we would like to set a total investment of 40 million won by recruiting 4 investors for 5 million won each, which is insufficient for 20 million won. In addition, such investment conditions are 10% of the target return, 6 months of the managed funds, and 10% of the proceeds of the successful compensation to the creditor A when the bond is recovered stably. At this time, the embodiment of FIG. 11 introduces the concept of a minimum guaranteed return rate set at 5%, which represents the minimum rate of return that can be guaranteed to investors. Of course, since it is not an unconditional guarantee for profit, we set the risk-coverage ratio at 30%.

Now, we explain the case where the creditor A and the four investors form a creditor group by their own choice, and the case where the profit is greater than the minimum guaranteed return of 5% or not is based on the above assumption.

First, let's assume that the total funding amount of the bonds is 44 million KRW due to expiration of the scheduled fund operation period. In this case, Creditor A will receive additional bonus of 200,000 won, which is equivalent to 50% of the total investment amount, to 22 million won, which is 10% of the success fee. Thus, the total amount of payment received by creditor A is 22 million won + 200 thousand won = 22.2 million won. On the other hand, the four investors will be paid the proceeds from their dividends, excluding the success fee.

Second, let's assume that the total funding amount of the bonds is 41.2 million won due to the expiration of the scheduled fund operation period. That is, it corresponds to a case where the yield is 3%. In this case, Creditor A and 4 investors will each receive 20.6 million won, equivalent to 50% of their total investment. The minimum guaranteed return on investors is 5%, so the dividend to be guaranteed is 2,100. Therefore, creditor A needs to cover the insufficient amount of 21 million won - 20.6 million won = 400 thousand won. In this case, it is calculated based on 30% of the risk compensation ratio set not to preserve all of the insufficient amount, so the amount of conservation is determined as 400,000 won × 30% = 120,000 won. As a result, the final amount paid to four investors is 20.72 million won.

In summary, the creditor recruiting means (37) sets the success rate of the creditor, the minimum guaranteed return rate of the debtor and the risk-compensation ratio in accordance with the creditor's input. Then, the processing unit 33 calculates the proceeds of the creditor and the investor according to the ratio of the investment amount in the creditor group and the set success rate according to the setting contents. If the amount provided by the debtor is smaller than the minimum guaranteed return rate set by the creditor collecting means 37, a value obtained by multiplying the deficit amount of profit due to the minimum guaranteed return rate by the risk compensation ratio set forth above is calculated, To determine the final proceeds of the investor.

Returning to FIG. 10, the mapping unit 35 of the mediation server 30 of FIG. 10 may optionally include an authentication means 39 for authenticating the identity of a debtor or a creditor when a request is made. The authentication means 39 receives and stores a photograph of the debtor or the creditor in advance and receives a face image photographed through a camera provided in the terminal of the debtor or the creditor through the communication unit 31, By comparing the received face image with the stored photograph, it is possible to check whether or not the user is a person.

According to the embodiments of the present invention described above, the intermediary server is used to connect appropriate contracting parties according to the terms and conditions of the debtor and the creditor, , It is possible to provide a suitable investment destination online from the viewpoint of the creditor and to secure the stability of the investment recovery irrespective of whether or not the provision of the debtor's benefit is stopped.

In the case of a debtor, embodiments of the present invention can prove the creditor's credit and repayment ability through a history of continuous transactions with a credit institution such as a credit card company, and without having to provide a separate guarantee insurance or collateral, The creditors can provide continuous and stable financing online.

Further, the embodiments of the present invention can increase the possibility of collecting the debt by maximizing the repayment of the bonds by collectively calculating the credits of the plurality of credit institutions, and can lead to the stable implementation of the bond-debt contract.

Meanwhile, embodiments of the present invention can be implemented by computer readable codes on a computer readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored.

Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device and the like, and also a carrier wave (for example, transmission via the Internet) . In addition, the computer-readable recording medium may be distributed over network-connected computer systems so that computer readable codes can be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the present invention can be easily deduced by programmers skilled in the art to which the present invention belongs.

The present invention has been described above with reference to various embodiments. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

10: Debtor 20: Creditor
30: intermediary server 40: credit institution
31: communication unit 33:
35:
37: Creditor recruitment means 39: Authentication means

Claims (15)

In the method of brokering a loan contract between a creditor and a debtor,
Receiving a contract condition from a creditor who provides a credit to the credit institution as a target of the bond;
Receiving the contract terms from the debtor of the credit institution;
Mapping the creditor and the debtor matching the conditions based on the contract condition inputted from the creditor, the contract condition inputted from the debtor, and the credit inquiry result and storing the same;
Requesting the intermediary server to provide, to the credit financial institution, account information or credit card information input from the mapped debtor to provide the borrower with the loan provided from the mapped creditor in accordance with the terms and conditions;
Calculating a benefit of the mapped creditor based on the loan provision history input from the credit financial institution after the provision of the loan by the credit financial institution according to the request is completed; And
Requesting the payment or claim for the casualty creditor and the casualty debtor by providing the creditor institution with the credit amount based on the calculated benefit. The method of claim 1,
The credit institution is a credit card company,
If the debtor is an affiliate of the credit financial institution, the amount of money to be paid to the debtor is determined by subtracting the amount of the bond from the credit card sales of the debtor. The method of claim 1,
The credit institution is a credit card company,
When the debtor has a monthly credit card payment as a customer of the credit financial institution, the credit financial institution transmits a credit amount based on the credit card usage on the debtor's credit card settlement date and a bond amount based on the calculated benefit amount And the sum is charged to the debtor. The method of claim 1,
The credit institution is a mobile communication company,
When the borrower generates a monthly mobile communication use payment as a customer of the mobile communication company, the credit financial institution transmits a billing amount based on the mobile communication use and a bond amount based on the calculated payment on the payment date of the mobile communication charge of the debtor And the sum is charged to the debtor. 5. The method according to any one of claims 3 to 4,
Further comprising the step of setting a ranking or a top priority reimbursement amount of the reimbursement amount for the bill and the calculated reimbursement amount in accordance with the credit card or mobile communication use included in the amount charged to the debtor,
And when a payment is made from the debtor in response to the request for payment of the debtor, the reimbursement is processed according to the rank or the highest priority amount of the reimbursement. 5. The method according to any one of claims 3 to 4,
Further comprising the step of predicting a reimbursement order for the credit card included in the amount charged to the debtor or the bill for the use of mobile communication and the calculated benefit,
Wherein the ranking of the reimbursement is given a higher priority than the charge of the credit card or the calculated benefit, which is higher in commission than the charge calculated in accordance with the use of mobile communication. The method of claim 1,
Wherein the amount of money to be paid to the creditor is determined according to a contract condition entered by the creditor irrespective of whether or not the creditor provides the credited creditor. The method of claim 1,
The intermediary server maps and stores at least one or more credit institutions that deal with a debtor,
The step of requesting the charged debtor to pay the debtor,
Calculating, by the intermediation server, the amount of the bond money for each credit institution considering the payment limit of the one or more credit institutions based on the calculated benefit; And
And requesting payment of the mapped creditor and the mapped debtor by providing the calculated credit amount for each credit institution to the respective credit financial institutions by the intermediary server. The method of claim 8,
The payout calculated for the one debtor is less than or equal to the total sum of the payout limits of the credit institutions that deal with the one debtor,
Wherein the calculated amount of the credit amount for each credit financial institution is determined to be smaller than or equal to a payment amount limit of each of the credit financial institutions. The method of claim 1,
The contract conditions inputted from the creditor include the credit rating of the debtor, the set amount, the interest rate and the repayment period,
Wherein the intermediary server discriminates the debtor according to the contract condition inputted from the creditor by inquiring the credit institution of the creditor of the debtor. The method of claim 1,
If the number of creditors satisfying the contract conditions inputted from one debtor is more than one,
Setting an interest rate of contract terms input from the debtor to be reduced in proportion to the number of creditors,
Wherein only the creditor corresponding to the set interest rate is within a predetermined threshold value by the creditor is mapped to the debtor. The method of claim 1,
Further comprising the step of the brokerage server requesting the credit institution to pay a predetermined fee after the payment of the credit institution is completed according to the request. The method of claim 1,
The step of mapping and storing the creditor and the debtor includes:
Further comprising the step of collecting a plurality of investors through a creditor collecting means to create a creditor group,
The creditor collecting means may calculate at least one of a risk management index or a return rate for each creditor based on an investment history of the creditors and provide the investor with the calculated creditor information and the creditor information selected by the creditor, Generating a creditor group including the creditor and the investor by selecting a creditor indicating whether the creditor is a creditor, and setting the creditor group as a target of the creditor by adding the amount of investment for each creditor group generated. The method of claim 13,
The success rate of the creditor, the minimum guaranteed return rate of the debtor, and the risk compensation ratio according to the input of the creditor through the creditor recruiting means,
Calculating the profit of the creditor and the investor according to the ratio of the investment amount in the creditor group and the set success rate,
Calculating a value obtained by multiplying a deficiency amount of profit according to the minimum guaranteed return rate by the risk compensation ratio when the amount provided by the debtor is less than the set minimum guaranteed return rate and adding the calculated value to the profit of the calculated investor, Of the final profit. The method of claim 1,
The step of mapping and storing the creditor and the debtor includes:
Further comprising the step of authenticating whether the request is made by the obligor or the creditor through the authentication means,
The authentication means receives a photograph of the debtor or the creditor in advance, receives a face image photographed through a camera provided in the terminal of the debtor or the creditor through the communication unit, and receives the received facial image. And checking the identity by comparing the stored picture.

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