KR20140022243A - Sistem and method for cyber money loan on a network - Google Patents

Abstract

The present invention relates to a system and a method for loaning cyber money on a network, comprising: a unit for, if a user requests a server of a cyber bank or a cyber financial institute, connected via the network, to loan the cyber money by using a user's network terminal, checking previously inputted personal information and account information of a customer; a unit for, if receiving the personal information and the account information of the customer, receiving cyber money loan information based on the received customer information; a unit for, if receiving the cyber money loan information, calculating an amount of the cyber money via a server of a bank or the financial institute connected via the network and determining whether a loan request from the customer is compatible; a unit for, in the case that the loan request is compatible after determining the compatibility of the loan request from the customer, paying or approving the requested loan based on the calculated cyber money to cope with an amount of real money; and a unit for depositing the payed or approved cyber money loan in an account of the customer who requests the loan. [Reference numerals] (100) Cyber bank server; (100a) Interface part; (100b) Interface providing part; (100c) Information receiving part; (100d) Validity confirming part; (100e) Loan processing part; (100f) Information storage part; (100g) Correlation processing part; (110) Storage medium; (120) Real financial institute server; (130) Network terminal; (140) Network unit; (AA) Virtual money correspondence economy level information; (BB) Corporate information for each financial rank; (CC) Other information; (DD) Wireless terminal; (EE) Wired terminal

Description

Cyber money loan system and its method {Sistem and Method for cyber money loan on a network}

The present invention relates to a cyber money lending system and a method thereof on a network, and more particularly, to a loan process of cyber money traded on a network.

With the development of technology, the Internet has become a common means of communication, and it is possible to work on information exchange, financial services, and entertainment through the Internet. Due to the activation of the Internet, sites that sell products through the Internet or provide various kinds of services to users of the network for free or for a fee are rapidly increasing.

A few years ago, most Internet services were free, but nowadays, more and more sites are converting to pay due to deteriorating profitability.

However, users' rejection for spending money on content such as games and movies is still large, and for this reason, there are not a few sites that can't pay for free content.

The micropayment method used for payment of paid content online includes a method of purchasing electronic money that can be distributed online in cash and using it in small amounts when using paid content. There is a method of charging a fee, and a method of making a payment using cyber money.

Recently, as part of efforts to improve the use and utilization of cyber money, various websites that pay cyber money have cooperated to attempt to share the use of cyber money, and the ability to exchange cyber money of various websites with each other. Efforts have been made to increase the effectiveness of cyber money, such as providing services and services, but there are still a variety of services for financial services to be provided through cyberspace, and thus, difficult problems are provided in providing such services.

In order to solve the above problems, if a cyber money loan is requested to a server of a cyber bank (and a cyber financial institution) connected through a network using a user's network terminal, the personal information of the customer and the customer Means for verifying account information, means for receiving the cyber money loan information based on the personal information of the customer and the account information of the customer, and receiving the cyber money loan information based on this, and connecting through the network Means for determining whether the loan is suitable for the customer's loan request by calculating the amount of the cyber money through a server of a bank (and a financial institution), and after determining whether the loan request is suitable for the customer, Payment (approval) processing of the requested loan to correspond to the real money amount based on the calculated cyber money Stage and may the payment (approval) process the loan amount cyber money system includes means for processing the loan to deposit customer accounts requested to provide.

According to the cyber money loan system on the network according to the present invention, when a cyber money loan is requested to a server of a cyber bank (and a cyber financial institution) connected through a network using a user's network terminal, the customer's inputted personal Means for checking information and account information of the customer, means for receiving the cyber money loan information based on the personal information of the customer and the account information of the customer, and receiving the cyber money loan information based on the information. A means of determining whether the loan money is suitable for the customer's loan request by calculating the amount of the cyber money through a server of a bank (and a financial institution) connected through a network; In this case, the requested loan amount is used to correspond to the real money amount based on the calculated cyber money. Rock payments (approved) comprises means for processing and the settlement (approval) process means a cyber money deposit processing the loan amount to the customer's account for the requested loan.

According to the cyber money lending method on the network according to the present invention, if a cyber money loan is requested to a server of a cyber bank (and a cyber financial institution) connected through a network using a user's network terminal, the customer's inputted personal Checking the information and the account information of the customer, receiving the personal information of the customer and the account information of the customer, receiving the cyber money loan information based on this, and receiving the cyber money loan information, Calculating the amount of the cyber money through a server of a bank (and a financial institution) connected through a network to determine whether the loan is suitable for the customer's loan request, and after determining whether the customer's loan request is suitable, the loan request In such a case, the requested loan amount may correspond to the real money amount based on the calculated cyber money. Comprising one; payment (approval) processing, and the steps of processing the deposit payment (approval) process the cyber money loan amount to the customer's account for the requested loan.

In addition, the step of depositing the loan payment to the account of the customer requesting the loan further comprises the step of depositing through the cyber bank (and cyber financial institutions) connected through the network.

The method may further include transmitting loan result information to the network terminal of the customer after the cyber money loan is completed.

In addition, when the customer repays the loan, depositing an amount corresponding to the loaned cyber money into a designated account of the bank (and a financial institution) or depositing into a designated account of a cyber bank (and a cyber financial institution). It further includes.

According to the cyber money lending system and method thereof on the network according to the present invention, by pioneering a stable distribution path of cyber money, it is possible to induce the settlement of the cyber money market and to greatly promote the utilization of cyber money.

In addition, by providing cyber money through the lending service through financial institutions, it has the effect of helping the vitalization of cyber space, and financial institutions also create interest based on fees and loans through the cyber money loan process. It can work.

1 is a diagram illustrating a cyber financial institution operating system for providing a cyber money loan service on a network according to a cyber money loan system on a network and a method of implementing the method according to the present invention.
2A and 2B illustrate a process of providing a cyber money loan service on a network according to an embodiment of the cyber money loan system and a method thereof on a network according to the present invention.
3A and 3B illustrate a process of providing a cyber money loan service on a network according to an embodiment of the cyber money loan system and a method thereof on a network according to the present invention.

Hereinafter, with reference to the accompanying drawings will be described the principle of the preferred embodiment of the cyber money loan system and method on the network according to the present invention.

Hereinafter, the drawings and the following descriptions relate to embodiments among various methods for effectively describing the features of the present invention, and the following terms are terms defined in consideration of functions in the present invention, which are intended by those skilled in the art. And so on.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described.

Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

1 is a diagram illustrating a cyber financial institution operating system for providing a cyber money loan service on a network according to a cyber money loan system on a network and a method of implementing the method according to the present invention.

In more detail, FIG. 1 illustrates that the user network terminal 130 accesses a server on a cyber bank (and cyber financial institution) operating system through a network means 140 to provide a cyber money loan service using the reality on the network. When the cyber money loan application information including the personal information of the customer, the account information of the customer, and the loan request cyber money information is provided, the server corresponds to the cyber money loan application information provided from the client terminal 150. It is about the configuration of a cyber bank (and cyber financial institution) operating system that checks whether the lenders and lenders and lenders are available, and provides cyber money loan services through the banks (and financial institutions).

Those skilled in the art to which the present invention pertains, various reference to the configuration of the cyber bank (and cyber financial institution) operating system for providing a cyber money loan service using the reality on the network by referring to and modifying the present FIG. Although the implementation method may be inferred, the present invention is not limited only to the implementation method shown in FIG. 1.

Hereinafter, in response to the cyber money loan application information including the personal information of the customer, the account information of the customer, and the cyber money loan request information provided from the network terminal 130 on the cyber financial institution operating system shown in FIG. A component corresponding to a means and a functional configuration for checking loan availability in connection with a real bank (and a financial institution) and providing a loan service through the real financial institution is referred to as a cyber bank server 100 for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a cyber financial institution operating system for providing a cyber money loan service using an internet virtual space / virtual reality according to the present invention includes a network terminal 130 connected to a network means. And a cyber financial institution operation server 100 that provides a cyber money loan service in response to cyber money loan application information including customer information and loan request cyber money information transmitted from the network terminal 130, and the cyber financial institution. Receive loan request information including one or more customer information, loan request cyber money information, cyber financial institution information from the operation server 100, the loan request based on the customer information contained in the received loan request information Loan request included in the information Check the availability of real money loan corresponding to cyber money information, If the loan is possible, the real money corresponding to the cyber money requested by the customer after the loan process, the real money institution is provided with a real financial institution server 120 to exchange the cyber money to provide to the customer .

The network terminal 130 is the cyber financing through a TCP / IP or UDP / IP-based wired communication network (eg, Asymmetric Digital Subscriber Line (ADSL) / Very high-data rate Digital Subscriber Line (VDSL) and / or cable communication network) It includes a wired terminal including a desktop computer and a notebook that is in communication with the institution operating server 100.

In addition, the wireless communication network is connected to a mobile communication terminal connected to a Code Division Multiple Access (CDMA) based mobile communication network (or a High Speed Downlink Packet Access (HSDPA) based mobile communication network), and / or an IEEE802.16x based high speed wireless Internet. It is characterized in that it comprises a portable Internet terminal, and / or a wireless LAN terminal connected to the IEEE 802.11x-based wireless LAN communication network.

The network terminal 130 outputs at least one cyber money loan application interface screen provided by the cyber financial institution operation server 100, and inputs and selects at least one information through the cyber money loan application interface screen. It is preferable that the functional configuration for transmitting to the cyber financial institution operating server 100 is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the network terminal 130 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

When the network terminal 130 is a wired terminal according to an embodiment of the present invention, the network means includes a wired communication network based on the TCP / IP or UDP / IP, and the network terminal 130 is a wireless terminal. The network means comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network.

Referring to FIG. 1, the cyber financial institution operating server 100 is connected to the cyber financial institution operating server 100 through a predetermined network terminal 130 through the interface unit 100a. Interface system for generating and providing a cyber money loan application interface screen for inputting and transmitting cyber money loan application information including one or more predetermined customer information and loan request cyber money information in connection with the network terminal 130. An information receiving unit 100c for receiving cyber money loan application information input and transmitted from the network terminal 130 through the cyber money loan application interface screen in cooperation with the study 100b and the interface unit 100a; Validation unit 100d for checking the validity of the received cyber money loan application information, and the received cyber money It is characterized in that it comprises a loan processing unit (100e) for providing a loan service based on the loan application information.

The interface providing unit 100b corresponds to a functional configuration provided in the network terminal 100f when a predetermined network terminal 130 is connected to the cyber financial institution operating server 100 through the interface unit 105. Input the cyber money loan application information including one or more predetermined customer information and loan request cyber money information to generate a predetermined cyber money loan application interface screen which can be transmitted to the cyber bank server 100 through the network means; Or, and / or extract from a predetermined database and provide the generated cyber money loan application interface screen to the network terminal 100f through the network means in association with the interface unit 100a.

The information receiver 100c inputs cyber money loan application information including one or more predetermined customer information and loan request cyber money information through the cyber money loan application interface screen on the network terminal 130 to provide the network means. In the transmission, the cyber money loan application information is received in connection with the interface unit 100a, and the received cyber money loan application information is provided to the validity confirming unit 100d.

According to the implementation method of the present invention, the validity check of the received cyber money loan application information, by checking whether the customer corresponding to the customer information included in the cyber money loan application information is the customer of the cyber financial institution, The validity of the received cyber money loan application information is checked.

The loan processing unit 100e may provide a loan service based on the received cyber money loan application information.

According to the implementation method of the present invention, it is preferable to provide a loan service based on the received cyber money loan application information to first calculate a real money value corresponding to the loan request cyber money requested by the customer.

For example, if the cyber money exchange rate is 500 won to 5,000 cyber money, when the customer requests a 50,000 cyber money loan, the actual currency value corresponding to the loan request cyber money is 5,000 won, and the customer actually makes a loan. The requested amount is preferably 5,000 won, which corresponds to 50,000 cyber money.

The information storage unit 100f corresponds to the cyber money loan application information including one or more of the customer information and the loan request cyber money information received through the information receiving unit 100c and the received cyber money loan application information. After lending the cyber money, the loan processing result information including the corresponding loan processing result is stored in the storage medium 110.

According to one embodiment of the invention, the loan repayment processing for the cyber money loaned at the request of the customer, by depositing cash corresponding to the cyber money loaned by the customer to the financial account specified by the real financial institution In addition, it is preferable to repay the loan for the cyber money loaned by the customer.

The cyber financial institution operation server 100 is provided with a repayment processing unit (100g) for repaying the cyber money loans loaned to the customer.

According to one embodiment of the present invention, the loan repayment processing for the cyber money loaned at the request of the customer, the cash processing corresponding to the cyber money loaned by the customer to the financial account designated by the real financial institution Thus, it is preferable to repay the loan for the cyber money loaned by the customer.

According to another embodiment of the present invention, the loan repayment processing for the cyber money loaned at the request of the customer, the cyber financial institutions or banks and financial institutions matching the amount of money matched with the cyber money loaned by the customer By depositing and depositing in the designated cyber account, it is preferable to repay the loan for the cyber money loaned by the customer. After depositing the designated cyber account, the repayment process may be requested.

2A and 2B illustrate a process of providing a cyber money loan service on a network according to an embodiment of the cyber money loan system and a method thereof on a network according to the present invention.

In more detail, in order to provide a cyber money loan service using the reality on the network, a predetermined network terminal 130 accesses a server on a cyber financial institution operating system through a predetermined network means to provide customer information and loan request cyber money information. When providing the cyber money loan application information including one or more, in response to the cyber money loan application information provided from the network terminal 130 in the server checks whether the loan is possible in connection with the real financial institution, the reality financial institution Through the process of providing cyber money loan services.

2A and 2B, the cyber bank server 100 on the cyber financial institution operating system shown in FIG. 1 is referred to as a "server" for convenience, and the network terminal (the network terminal on the cyber financial institution operating system shown in FIG. 130 is referred to as a "terminal" for convenience.

2A and 2B, a terminal on the cyber financial institution operating system illustrated in FIG. 1 accesses the server through the network means and provides a communication channel for providing a cyber money loan service using an internet virtual space / virtual reality. Connect (200).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted.

When the communication channel for providing the cyber money loan service using the Internet virtual space / virtual reality is connected between the terminal and the server as described above, the terminal transmits the cyber money loan service using the reality on the network to the server through the communication channel. Request a cyber money loan application interface screen for provision (205), and correspondingly, the server inputs a user interface for inputting cyber money loan application information including one or more of the customer information and loan request cyber money information in the terminal. Generate a cyber money loan application interface screen including a (210), and transmits the generated cyber money loan application interface screen to the terminal through the communication channel (215).

Thereafter, the terminal receives the customer information and the loan request cyber money through the user interface included in the cyber money loan application interface screen for inputting cyber money loan application information including one or more of the customer information and the loan request cyber money information. The cyber money loan application information including one or more information is processed to be input (220).

If the cyber money loan application information including one or more of the customer information and the loan request cyber money information is input from the terminal (225), the terminal transmits the cyber money loan application information to the server through the communication channel. (230).

Thereafter, the server receives the cyber money loan application information transmitted from the terminal through the communication channel and checks the validity of the received cyber money loan application information (235).

According to the implementation method of the present invention, the validity check of the received cyber money loan application information, by checking whether the customer corresponding to the customer information included in the cyber money loan application information is the customer of the cyber financial institution, It is preferable to check the validity of the received cyber money loan application information.

If the validity of the received cyber money loan application information is not confirmed (240), the server generates validation error information about the cyber money loan application information and the generated validation error information is read. The data is transmitted to the terminal through a communication channel and processed to be output (245).

On the other hand, if the validity of the received cyber money loan application information is confirmed (240), the server calculates the actual currency value corresponding to the loan request cyber money requested by the customer (250), the calculated loan request cyber In operation 255, it is checked whether the real currency value corresponding to the money is loanable to the customer in connection with the real financial institution server 145 shown in FIG.

According to the implementation method of the present invention, providing a loan service based on the received cyber money loan application information, it is preferable to first calculate the real money value corresponding to the loan request cyber money requested by the customer, the cyber When calculating the value of real money corresponding to money, there is no exchange fee for converting cyber money into real money or converting real money into cyber money for convenience, but the present invention is not limited thereto.

According to the implementation method of the present invention, whether the amount corresponding to the calculated real money value (ie, the real money value corresponding to the cyber money requested by the customer) is loanable to the customer is determined by the cyber bank server ( The real financial institution server 145 associated with 100 checks whether there is a creditable amount of the customer, and provides a loan service according to the creditable amount of the customer.

According to another exemplary embodiment of the present invention, whether the amount corresponding to the calculated real money value, that is, the real money value corresponding to the cyber money requested by the customer is loanable to the customer may be determined. It is preferable to check whether there is a contracted amount for the customer to the real financial institution server 145 associated with 100, and provide a loan service according to the contracted amount for the confirmed customer. Do.

Here, when providing a loan service to the customer, it is preferable to loan the real money used in the real, and the cyber money requested by the customer, including the pre-payment or commission amount according to the loan service provided by the real financial institution Loan the corresponding real currency.

If it is impossible to loan the amount of the real money value corresponding to the cyber money requested by the customer (260), the server generates the loan impossible information corresponding to the cyber money loan application information, and the generated loan is impossible. The information is transmitted to the terminal through the communication channel and processed to be output (265).

Here, the non-lending information may be a loanable amount within the scope of the customer's credit or the customer does not exceed the loan agreement that the customer has already agreed to, the reason for refusal of loan (for example, lack of credit or lack of loan agreement or credit loan). It is preferable that the limit is exceeded.

On the other hand, if it is possible to loan the amount of the real money value corresponding to the cyber money requested by the customer (260), the server loans the real money value calculated in response to the cyber money requested by the customer to loan ( 270), after converting the amount of money corresponding to the loaned real currency into the cyber money requested by the customer (275), the processed money is processed through the cyber financial account held by the customer (275). 280).

According to the method of the present invention, when the loan of the real money amount corresponding to the cyber money requested by the customer is completed, the real money value is exchanged into the cyber money requested by the customer, and the money exchanged amount is converted into the cyber finance. It is advisable to process payments through the agency.

Thereafter, the server stores the received cyber money loan application information and loan processing result information corresponding to the cyber money loan application information in the storage medium 140 shown in FIG. 1 (285).

The customer information includes member ID information necessary for using the real service on the network in response to a customer who uses a cyber financial institution established on the network or applies for a new use among the customers who use the reality on the network. It is preferably made, and may further comprise a separate management information for managing the customer in the cyber financial institution.

The loan processing result information includes information on a real financial institution that provides a loan service according to the customer's credit (or a loan agreement signed by the customer) in response to the cyber money loan application requested by the customer, and the customer loans. It is preferable to include the price information on the actual currency value corresponding to the requested cyber money.

Thereafter, the server connects with the real financial institution server 145 and deposits the amount of the real money corresponding to the cyber money loaned to the customer into the financial account designated by the real financial institution to complete the repayment process. Check whether or not (290).

According to one embodiment of the present invention, the loan repayment processing for the cyber money loaned at the request of the customer, the cash processing corresponding to the cyber money loaned by the customer to the financial account designated by the real financial institution Thus, it is preferable to repay the loan for the cyber money loaned by the customer.

In addition, in addition to the cash corresponding to the loaned cyber money or the amount (ie, cyber money) matched with the cyber money borrowed by the customer, the loan payment generated by the use of the loan service is further included, and the repayment process is performed. If the customer repays the cyber money loan before the loan deadline for loaning the cyber money, the repayment fee further includes a corresponding repayment fee.

If it is confirmed whether the repayment processing is completed for the cyber money loaned by the customer (295), the server generates repayment processing completion information for the cyber money loaned by the customer and notifies through the communication means of the customer. (299).

3A and 3B illustrate a process of providing a cyber money loan service on a network according to an embodiment of the cyber money loan system and a method thereof on a network according to the present invention.

In more detail, FIGS. 3A and 4B illustrate that a predetermined network terminal 130 accesses a server on a cyber financial institution operating system through predetermined network means to provide a cyber money loan service using the reality on the network. In response to the cyber money loan application information including one or more loan request cyber money information, the server corresponds to the cyber money loan application information provided from the network terminal 130 to determine whether the loan is possible. It is about the process of verifying and providing a cyber money loan service through the real financial institution.

3A and 3B, the cyber bank server 100 on the cyber financial institution operating system shown in FIG. 1 is referred to as a "server" for convenience, and the network terminal (the network terminal on the cyber financial institution operating system shown in FIG. 130 is referred to as a "terminal" for convenience.

3A and 3B, a terminal on the cyber financial institution operating system illustrated in FIG. 1 accesses the server through the network means and connects a communication channel for providing a cyber money loan service using an internet virtual space. (300).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted.

When the communication channel for providing the cyber money loan service using the reality on the network is connected between the terminal and the server as described above, the terminal provides the cyber money loan service using the reality on the network to the server through the communication channel. Request a cyber money loan application interface screen (305), and correspondingly, the server includes a user interface for inputting cyber money loan application information including one or more of the customer information and loan request cyber money information in the terminal. The cyber money loan application interface screen is generated (310), and the generated cyber money loan application interface screen is transmitted to the terminal through the communication channel (315).

Thereafter, the terminal receives the customer information and the loan request cyber money through the user interface included in the cyber money loan application interface screen for inputting cyber money loan application information including one or more of the customer information and the loan request cyber money information. The cyber money loan application information including one or more information is processed to be input (320).

If the cyber money loan application information including one or more of the customer information and loan request cyber money information is input from the terminal (325), the cyber money loan application information is transmitted from the terminal to the server through the communication channel. (330).

Thereafter, the server receives the cyber money loan application information transmitted from the terminal through the communication channel and checks the validity of the received cyber money loan application information (335).

According to the implementation method of the present invention, the validity check of the received cyber money loan application information, by checking whether the customer corresponding to the customer information included in the cyber money loan application information is the customer of the cyber financial institution, The validity of the received cyber money loan application information is checked.

If the validity of the received cyber money loan application information is not confirmed (340), the server generates validation error information for the cyber money loan application information, and generates the validation error information. The transmission is transmitted to the terminal through the communication channel and processed to be output (345).

On the other hand, if the validity of the received cyber money loan application information is confirmed (340), the server calculates the real money value corresponding to the loan request cyber money requested by the customer (350), the calculated loan request cyber It is checked whether the real money value corresponding to the money is loanable to the customer in connection with the real financial institution server 145 shown in FIG. 1 (355).

According to the implementation method of the present invention, whether the amount corresponding to the calculated real money value (ie, the real money value corresponding to the cyber money requested by the customer) is loanable to the customer is determined by the cyber bank server ( The financial institution server 145 associated with 100 checks whether there is a creditable amount of the customer, and provides a loan service according to the creditable amount of the confirmed customer.

Here, when providing a loan service to the customer, it is preferable to loan the real money used in the real, and the cyber money requested by the customer, including the pre-payment or commission amount according to the loan service provided by the real financial institution Loan the corresponding real currency.

If it is impossible to loan the amount of the real money value corresponding to the cyber money requested by the customer (360), the server generates the loan impossible information corresponding to the cyber money loan application information, and the generated loan is impossible. The information is transmitted to the terminal through the communication channel and processed to be output (365).

Here, the non-lending information may be a loanable amount within the scope of the customer's credit or the customer does not exceed the loan agreement that the customer has already agreed to, the reason for refusal of loan (for example, lack of credit or lack of loan agreement or credit loan). It is preferable that the limit is exceeded.

On the other hand, if the loan amount for the real money value corresponding to the cyber money requested by the customer is possible (360), the server loans the real money value amount calculated in response to the cyber money requested by the customer for loaning ( 370), after converting the amount corresponding to the value of the loan processed real money into the cyber money requested by the customer (375), the processed money is exchanged through the cyber financial account held by the customer ( 380).

According to the method of the present invention, when the loan of the real money amount corresponding to the cyber money requested by the customer is completed, the real money value is exchanged into the cyber money requested by the customer, and the money exchanged amount is converted into the cyber finance. Payment is processed through the agency.

Thereafter, the server stores the received cyber money loan application information and loan processing result information corresponding to the cyber money loan application information in the storage medium 140 shown in FIG. 1 (385).

The customer information corresponds to a customer who uses the cyber financial institution established in the reality on the network among the customers who use the reality on the network or applies for a new use, and obtains the member ID information necessary for using the reality service on the network. It is preferably made, including, may further comprise a separate management information for managing the customer in the cyber financial institution.

The loan processing result information corresponds to the information on the actual financial institution that provided the loan service according to the customer's credit and the real money value corresponding to the cyber money requested by the customer in response to the cyber money loan application requested by the customer. It includes price information.

Thereafter, the server checks the amount of money (ie, cyber money) that matches the loaned cyber money through the cyber financial account designated by the cyber financial institution or the real financial institution, at step 390.

According to another embodiment of the present invention, the loan repayment processing for the cyber money loaned at the request of the customer, the cyber financial institution to match the amount (ie, cyber money) that the customer with the loaned cyber money By depositing in a cyber account designated by a real financial institution, it is preferable to repay the loan for the cyber money loaned by the customer. After depositing in the designated cyber account, a repayment may be requested.

Here, it is preferable that the repayment processing method for the cyber money loaned by the customer includes all repayment processing methods provided by a financial institution such as equal split repayment and post-payment.

In addition, in addition to the cash corresponding to the loaned cyber money or the amount (i.e., cyber money) matched with the cyber money borrowed by the customer, it is preferable to further include the loan interest generated by using the loan service. .

In addition, when the customer repays the cyber money loan before the loan deadline for borrowing the cyber money, it is preferable to further include a middle repayment fee corresponding thereto.

If it is confirmed that the amount corresponding to the cyber money loaned by the customer (ie, the cyber money) is deposited into the cyber financial account (395), the server is based on the cyber money deposited into the cyber financial account. The loan is repaid in association with the financial institution (398).

Thereafter, the server generates repayment processing completion information for the cyber money loaned by the customer and notifies through the communication means of the customer (399).

100: cyber financial institution operation server 100a: interface unit
100b: interface providing unit 100c: information receiving unit
100d: validation unit 100e: loan processing unit
100f: information storage unit 100g: repayment processing unit
110: storage medium 120: real financial institution server
130: client terminal

Claims (5)

Means for verifying previously entered customer personal information and customer account information when a cyber money loan is requested to a server of a cyber bank (and cyber financial institution) connected through a network using a user's network terminal;
Means for receiving the cyber money loan information based on the personal information of the customer and the account information of the customer;
Means for determining whether it is suitable for a loan request of a customer by calculating the amount of the cyber money through a server of a bank (and a financial institution) connected through the network when receiving the cyber money loan information;
Means for processing a payment (approval) of the requested loan to correspond to a real money amount based on the calculated cyber money if the loan request is suitable after determining whether the loan request is suitable for the customer; And
And means for depositing the settlement (approval) processed cyber money loan amount into the account of the customer who requested the loan. When requesting a cyber money loan to a server of a cyber bank (and a cyber financial institution) connected through a network using a user's network terminal, checking the input personal information of the customer and account information of the customer;
Receiving the cyber money loan information based on the personal information of the customer and the account information of the customer;
Receiving the cyber money loan information, calculating the amount of the cyber money through a server of a bank (and a financial institution) connected through the network to determine whether it is suitable for a loan request of a customer;
After determining whether the loan request is suitable for the customer, if the loan request is appropriate, processing the payment (approval) so as to correspond to the real money amount based on the calculated cyber money; And
And depositing the settlement (approval) processed cyber money loan amount into the account of the customer who requested the loan. The method of claim 2, wherein the depositing and processing of the loan into the account of the customer who requested the loan further comprises depositing through a cyber bank (and a cyber financial institution) connected through the network. Loan method of cyber money on the network. The cyber money loan method according to claim 2, further comprising transmitting loan result information to the network terminal of the customer after the cyber money loan is completed. The method of claim 2, wherein when the customer repays the loan, the amount corresponding to the loaned cyber money is deposited into a designated account of the bank (and a financial institution) or a designated account of a cyber bank (and a cyber financial institution). Depositing the cyber money loan method on the network comprising a; further comprising.

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