KR20140028569A - System for offering between financial company for small sum loan by mobile communication company - Google Patents

Abstract

The present invention relates to an offering system between a mobile communication company and a financial company for small loan. The offering system of the present invention includes: a unit for checking whether a mobile communication company is affiliated with a financial company in order for the mobile communication company to collect applied amount of money for small loan through communication fee on the basis of information of a terminal, if a request for small loan money and the information of the terminal are received from the terminal of a customer by being linked with a storage medium prepared in a financial company server; a unit for checking limit amount of small loan by checking the information of the terminal from the terminal of the customer; a unit for checking the amount of small loan requested by the customer and the limit amount, and checking whether the mobile communication company can collect the amount of small loan by being added to mobile phone fee through the mobile communication company server; and a unit for generating a password in the financial company server and transmitting the password to the terminal of the customer to approve withdrawal through an automatic teller machine, in case the amount of small loan can be collected by being added to the mobile phone fee through the mobile communication company server. [Reference numerals] (100) Small loan providing server; (100a) Interface unit; (100b) Interface providing unit; (100c) Information reception unit; (100d) Validity confirming part; (100e) Information confirming part; (100f) Loan inspection unit; (100h) Information transmission unit; (100i) E-document generating part; (100j) E-document transmitting part; (100k) Information storage part; (110) Storing medium; (120) E-document server; (120a) E-document receiving part; (120b,100g) Information generating part; (120c) E-document storage part; (130) E-document DB; (140) Loan application terminal; (150) Communication company server; (AA) E-document management information; (BB) Small loan application electronic document; (CC) Communication unit; (DD) Client information; (EE) Mobile phone number information; (FF) Loan application money information; (GG) One time password information; (HH) Network unit; (II) Wireless terminal; (JJ) Wired terminal; (KK) Customer; (LL) Select input method

Description

System for offering between financial company for small sum loan by mobile communication company}

The present invention relates to a system for providing a loan between a financial company and a telecommunications company. More specifically, when a small loan is requested using a terminal of a customer, the financial company transmits a password to the terminal of the customer and uses the received password to generate a small amount. The customer requesting a loan relates to a system for providing a loan between a financial company and a telecommunication company for a small loan in which a small loan can be made without a bank account, a cash card, and a credit card without using an automatic bank account.

In general, financial institutions such as banks install financial transaction terminals, such as ATMs, in each region in order to provide subscribers with more convenient financial transaction services. Centrally operated financial servers are connected and connected.

Accordingly, a subscriber who wants to receive financial transaction services such as cash withdrawal or cash service visits a place where the automatic teller machine is installed, and inserts a cash card or credit card issued by the bank into the automatic teller machine. In this case, he selects and uses the financial transaction service he / she wants.

Accordingly, a user who possesses various financial transaction cards such as cash card, credit card, loan card, etc., can immediately withdraw the desired amount through the cash payment terminal managed and operated by each financial institution according to the usage status, or purchase goods or It can be used to pay for the service.

In addition, due to the development of the financial industry, most financial institutions are providing mobile financial services using mobile phones, and in the case of mobile services using mobile phones, the purpose of providing transfer services and account inquiry services is provided. However, there was a problem in providing loan services to those who need to withdraw cash.

The present invention is to solve the above problems, in connection with the storage medium provided in the financial institution server, when the terminal information and the small loan amount request from the customer terminal, based on the information of the terminal received the carrier charges the communication fee Means for confirming whether the service provider is affiliated with a financial company to collect a small loan application amount through the service, a means for confirming the amount of the small loan limit by checking the terminal information from the terminal of the customer, and the small loan amount requested by the customer Means for checking the limit amount and confirming that it can be collected in addition to the mobile phone fee through the telecommunication company server, and if the small loan amount can be collected in addition to the mobile phone fee through the telecommunication company server, a password is obtained from the financial company server. Approved to create and transfer to the customer's terminal to withdraw money through the automated device Is to provide a provision system between financial companies and telecommunications companies for microlending, including means.

The system for providing a loan between the financial company and the telecommunication company according to the present invention is connected with a storage medium provided in the financial company server, when the terminal information and the small loan amount request are received from the terminal of the customer, based on the received terminal information. Means for confirming whether or not the telecommunication company is a telecommunication company affiliated with a financial company so as to collect a small loan application amount through a communication fee; and means for checking the small loan limit amount by checking information of the terminal from the terminal of the customer; Means for checking the requested microlending amount and the limit amount and confirming that the service can be collected in addition to the mobile phone fee through the telecommunication company server; and if the small loan amount can be collected in addition to the mobile phone fee through the telecommunication company server, Create a password in the financial company server and transfer it to the customer's terminal And means for approving the withdrawal process.

In addition, the means for confirming that the charge can be collected in addition to the mobile phone charges through the carrier server, characterized in that for transmitting the reason and the maximum loan amount to the terminal of the customer, when the requested small loan amount is unapproved .

In addition, the password sent to the customer requesting a small loan using the automated device is characterized in that the one-time use.

In addition, the means for approving the withdrawal process through the automated device is characterized in that it further goes through the authentication process with the point where the automated device is installed.

In addition, the small loan requested by using the terminal is characterized in that a small loan with no service withdrawal without account account, cash card and credit card.

According to the one-time password providing system for a small loan according to the present invention, when cash is urgently needed, it is possible to request a small loan through a mobile phone so that it can be withdrawn using an ATM (Automated Teller Machine) of the desired point. There is a sex effect.

In addition, the security of financial transactions is improved by limiting the number of one-time use of passwords received through mobile phones, which makes it possible to make stable financial transactions compared to the existing ones, and also provides a small loan service using a mobile phone number through a telecommunication company partnership. The city has the effect of maintaining the loan recovery rate by recovering the loan through the mobile phone bill.

1 is a view showing a system between a financial company and a telecommunications company for small loans in accordance with an embodiment of the present invention.
2 is a small loan application information stored in the ledger D / B (200) provided in the DBMS on the financial system in a non-face-to-face in order to provide a small loan service between the financial company and the telecommunications company for small loans according to an embodiment of the present invention, It is a figure which shows the structure of loan process information.
3 is a diagram illustrating a process of providing a microlending service between a financial company and a telecommunications company for microlending according to an embodiment of the present invention.
4 is a diagram illustrating a financial transaction system of a non-face-to-face providing system between a financial company and a telecommunication company for a small loan according to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating a process of processing a financial transaction for providing a mobile microlending service through a telecommunications company in a non-face-to-face manner to provide a microlending service between a financial company and a telecommunication company for microlending according to another exemplary embodiment of the present invention. Drawing.

With reference to the accompanying drawings and the description below, a system for providing a loan between the financial company and the telecommunications company for a small loan according to the present invention will be described in detail the operating principle of the preferred embodiment of the present invention. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

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 view showing a system between a financial company and a telecommunications company for small loans in accordance with an embodiment of the present invention.

In more detail, Figure 1 is a micro-loan application information including the customer information, mobile phone number information, loan application amount information for providing a mobile micro-loan service through the service provider alliance through the micro-loan processing system through the micro-loan application interface To provide.

When providing a small loan application information including customer information, mobile phone number information, loan application amount information to provide a mobile small loan service through the telecommunications partner, a small amount including the provided small loan application information in the small loan processing system The present invention relates to a system for generating a loan application electronic document and storing it in an electronic document repository and providing a micro loan service corresponding to the customer information, mobile phone number information, and loan application amount information included in the micro loan application information.

Hereinafter, the microloan application information is received from the customer through the microloan application interface on the microloan processing system shown in FIG. 1 to generate a microloan application electronic document, stored in a predetermined electronic document storage, and the microloan The component corresponding to the functional configuration for providing the microloan service corresponding to the application information is referred to as the microloan providing server 100 for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the system for providing a loan between the financial company and the telecommunications company includes a loan application terminal 140 including a client terminal including a wireless terminal used by a customer. Characterized in that, the loan application terminal 140 is connected to the small loan providing server 100 provided on the small loan processing system through a predetermined network means, the small loan providing server 100 The carrier server 150 is connected.

The wireless terminal connected to the wireless communication network includes all terminal devices connected to a CDMA-based and high-speed downlink packet access (HSDPA) -based mobile communication network, and all terminal devices connected to the IEEE802.16x-based mobile Internet. , And / or are generic terms of all terminal devices connected to a wireless LAN based on IEEE 802.11x.

Personal Communication System (PCS) and Global System for Mobile communications (GSM) terminals, Personal Digital Cellular (PDC) and PHS (Personal Handyphone Systems) connected to the CDMA-based and HSDPA-based mobile networks A terminal, a personal digital assistant (PDA), a smart phone, a telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or the IEEE 802.11x based wireless It includes a wireless LAN terminal connected to the LAN.

In addition, the network means for connecting the client terminal and the microloan providing server 100 is CDMA-based, HSDPA-based mobile communication network and IEEE 802.16x-based portable Internet according to the type of wireless communication network connected to the client terminal; IEEE 802.11x based wireless LAN.

1, when the loan application terminal 195 connects a communication channel with the micro loan providing server 100 through the interface unit 100a, the telecommunication company In order to provide a mobile small loan service through cooperation, the small loan application information is input from the loan application terminal 140 to be transmitted to the small loan providing server 100.

When the loan application terminal 140 inputs the small loan application information and transmits the small loan application information to the small loan providing server 100 in order to provide a mobile small loan service through the telecommunication company, the interface unit 100a is generated. Interface providing unit 100b for providing the generated user interface to the loan application terminal 140 and the loan application terminal 140 by inputting the small loan application information through the user interface and transmitting the same. do.

When the loan application terminal 140 inputs and transmits the micro loan application information through the user interface, the micro loan application information received from the loan application terminal 140 is received in connection with the interface unit 100a. It is characterized by comprising an information receiving unit (100c).

The interface providing unit 100b is the loan application terminal 195 after connecting the predetermined loan channel with the small loan providing server 100 through the interface unit 100a, the small loan providing server 100 Request a user interface for providing a mobile microloan service through the telecommunications partner.

When requesting a user interface for providing a mobile loan service service through the telecommunications company alliances, the loan application terminal 140 inputs predetermined loan application information and transmits it to the micro loan providing server 100 through the network means. The user interface may be generated or extracted from a database, and the generated user interface may be provided to the loan application terminal 140 through the network means in association with the interface unit 100a.

According to an embodiment of the present invention, when the loan application terminal 140 is a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 100b may provide a user interface that can be provided by a browser program provided in the client terminal. It generates and provides the generated user interface to the client terminal through the interface unit (100a).

After the process as described above, the loan application terminal 140 inputs the small loan application information including the customer information, mobile phone number information, loan application amount information through the user interface, the small loan application Information is transmitted to the microloan providing server 100 through the network means.

When the inputted microloan application information is transmitted to the microloan providing server 100 through the network means, in response thereto, the information receiving unit 100c is linked to the interface unit 100a and the loan application terminal ( And receiving the small loan application information transmitted from 140.

According to the implementation method of the present invention, the loan application terminal 140 in the micro loan application information including the customer information, mobile phone number information, loan application amount information in the micro loan application server 100 in the micro loan application information A predetermined password or an OTP code generated through a one time password (OTP) generator for verifying the validity of the credit card is transmitted to the microloan providing server 100 through the network means.

When the microloan providing server 100 receives the microloan application information transmitted from the loan application terminal 140 through the information receiving unit 100c, the received microloan application information is a financial company for the microloan. And a validity confirming unit (100d) for checking whether the validity for providing the service between the service provider and the carrier.

According to the method of the present invention, when the microlending application information is encrypted by an encryption method, the validity checking unit 100d decrypts the encrypted microlending application information by a decryption method corresponding to the encryption method, Verify the validity of the received microloan application information.

Alternatively, when the small loan application information received through the information receiving unit 100c further includes a predetermined OTP code for checking the validity of the small loan application information, the validity checking unit 100d may determine the small amount. The OTP code included in the loan application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS are compared and authenticated to verify validity.

1, the small loan providing server 100 receives the small loan application information transmitted from the loan application terminal 140 through the information receiving unit 115 through the information receiving unit 100c. When the validity of the received small loan application information is confirmed, it is characterized in that it comprises an information confirmation unit (100e) for confirming the loan amount limit corresponding to the received small loan application information.

According to the embodiment of the present invention, the loan amount limit check for the customer who applied for the service provided between the financial company and the telecommunication company for the small loan, the carrier information subscribed to the mobile phone number included in the small loan application information is primarily It is preferable to confirm the credit rating by setting the criteria of the terminal fee payment status and the amount of the terminal through the confirmed communication company, and to confirm the loan amount for the customer.

Referring to FIG. 1, the microloan providing server 100 corresponds to a credit rating confirmed through the information checking unit 100e and checks whether a loan is available for the customer who applied for the loan 100f. It is characterized by comprising a).

In this case, the loan availability check for the customer applying for the microlending service, it is preferable to check whether the mobile phone number information included in the received microlending application information is a communication company affiliated with the financial institution.

When the loan application server 100 is a loan application for the customer who applied for a mobile loan application service through the telecommunications partnership, as a result of processing the loan application information screened through the loan review unit 100f, The information generation unit 100g for generating one-time password information for providing the loan application amount included in the microloan application information to the customer, and the one-time password generated through the information generation unit 100g are the loan application terminal. The information transmission unit 100h for processing to be transmitted to 140, the one-time password and the loan application amount information transmitted to the loan application terminal 140 and the mobile phone number information of the customer to the storage medium 110 It is characterized by comprising an information storage unit (100k) for storing.

When the loan approval according to the microlending service is completed, the information generation unit 100g provides a small loan service between the financial company and the telecommunication company for the microlending, and a one-time password to be provided to the loan application terminal 140. It characterized in that to generate.

The generated one-time password is provided to the loan application terminal 140 through the information transmission unit 100h, or connected to the mobile phone number through the information storage unit 100k to obtain the one-time password and small loan request amount information. The storage medium 110 is stored.

Referring to FIG. 1, when the validity of the small loan application information is authenticated through the validity checking unit 100d, the small loan providing server 100 includes the received small loan application information. And an electronic document transmission unit 100j for generating a document, and an electronic document transmission unit 100j for transmitting the generated small loan application electronic document to an electronic document repository associated with the small loan processing system. do.

The electronic document generation unit 100i may generate a small loan application electronic document including the small loan application information received from the loan application terminal 140 through the information receiving unit 100c.

The electronic document transmission unit 100j transmits and stores the microloan application electronic document generated by the electronic document generation unit 100i to a predetermined electronic document repository associated with the microloan processing system. .

As shown in FIG. 1, the electronic document storage unit is connected with the microlending providing server 100 on the microlending processing system through a predetermined communication means, and the electronic document D / B 130. When provided to the outside, the electronic document transmission unit 100j is the electronic document server 120 via the communication means for the small loan application electronic document generated by the electronic document generation unit 100i It characterized in that the transmission to.

When the microlending service server 100 is validated for the provision of the mobile microlending service through the telecommunications partner through the validity confirmation unit 100d the microlending application information received through the information receiving unit 100c, And an information storage unit 100k for linking and processing the customer information, mobile phone number information, and loan application amount information included in the small loan application information for which the validity is verified, in a predetermined storage medium 110. It is done.

Referring to FIG. 1, an electronic loan application electronic document received from the microloan providing server 100 provided on the microloan processing system is stored and managed in a predetermined electronic document D / B 130. The document server 120 includes an electronic document receiving unit 120a for receiving a small loan application electronic document from the small loan providing server 100 through a communication means, and the electronic document D / An information generation unit 120b for generating predetermined electronic document management information for storage and management in B 130, and the electronic document management information and the microloan application electronic document by linking the predetermined electronic document D / B. Characterized in that the electronic document storage unit 120c to be stored in the 130.

The electronic document receiving unit 120a may receive an image file and a small loan application electronic document in the form of a document file from the small loan providing server 100 through the communication means.

According to one embodiment of the present invention, the microloan application electronic document received by the electronic document receiving unit 120a through the communication means is a microloan received by the microloan providing server 100 from the loan application terminal 140. Document files (e.g., Portable Document Format (PDF) files, EDI (Electronic Data Interchange) files, or HWP /) containing document contents including customer information, mobile phone number information, and loan application amount information included in the loan application information. A word processor file including DOC, or a web document file including MHT).

The information generating unit 120b is a predetermined electronic document unique number to be assigned to the small loan application electronic document received through the electronic document receiving unit 120a, and the small loan application electronic document through the electronic document receiving unit 120a. Characterized in that the electronic document management information including the date and time received or the electronic document storage date and time information including the date and time the microloan application electronic document was stored.

According to the exemplary embodiment of the present invention, the information generating unit 120b refers to the microloan providing server 100 that has transmitted the microloan application electronic document received through the electronic document receiving unit 120a. The financial institution that has transmitted the application electronic document is identified, and the electronic document management information further including the identified financial institution information is generated.

The electronic document storage unit 120c associates a small loan application electronic document received through the electronic document receiving unit 120a with electronic document management information generated through the information generating unit 120b to process a predetermined electronic document D. / B 130, characterized in that the storage.

 According to the exemplary embodiment of the present invention, the microloan application electronic document stored in the electronic document D / B 130 by the electronic document storage unit 120c includes the microloan providing server 100 at the loan application terminal ( Document information including customer information, mobile phone number information, and loan application amount information included in the microloan application information received from 140 includes customer information, mobile phone number information, and loan application amount information included in the microloan application information. To make it happen.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 130 by the electronic document storage unit 120c in association with the small loan application electronic document is stored in the small loan application. The microloan providing server 100, which has transmitted the electronic document, may be further included in the information about the financial institution that has transmitted the microloan application electronic document.

2 is a small loan application information stored in the ledger D / B (200) provided in the DBMS on the financial system in a non-face-to-face in order to provide a small loan service between the financial company and the telecommunications company for small loans according to an embodiment of the present invention, It is a figure which shows the structure of loan process information.

More specifically, FIG. 2 illustrates the ledger information provided in the ledger D / B 200 when the storage medium 110 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. It shows the configuration of the information on the implementation method for storing the small loan application information, loan processing information including the customer information, mobile phone number information, loan application amount information.

Referring to Figure 2, the ledger information provided in the ledger D / B (200) provided in the DBMS on the financial system is a predetermined customer ledger, the account ledger associated with the customer ledger (for example, the ledger, loan ledger, etc.) And information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, the customer ledger shown in the ledger D / B (200) provided in the DBMS on the financial system At least one ledger (loan ledger, mortgage ledger, etc.) in addition to the account ledger will be understood that additional information for maintaining and managing the ledgers is further included.

3 is a diagram illustrating a process of providing a microlending service between a financial company and a telecommunications company for microlending according to an embodiment of the present invention.

More specifically, Figure 3 is connected to the loan application terminal 140 on the financial transaction system shown in Figure 1 connected to the small loan providing server 100 connected to the communication channel for the small loan application, the communication When the microlending application information is transmitted to the microlending providing server 100 through the channel including the customer information, the mobile phone number information, and the loan application amount information, the microlending providing server 100 receives the received microlending application. Checking whether the loan is possible for the mobile number information included in the information, and when the loan is possible as a result of the check, it shows a process of generating a one-time password to provide to the loan application terminal 140.

Referring to FIG. 3, the terminal illustrated in FIG. 1 requests a financial transaction for providing a micro loan service using the mobile phone number by accessing the server through a predetermined network means (300).

When requesting a financial transaction for providing a small loan service using the mobile number by accessing the server through the predetermined network means, the server correspondingly provides a small loan service between a financial company and a telecommunication company for the small loan. A web page including a user interface for inputting small loan application information including customer information, mobile phone number information, and loan application amount information is generated and transmitted to the terminal through the communication channel and output (305).

Thereafter, the terminal inputs small loan application information including the customer information, mobile phone number information, and loan application amount information through the user interface (310).

If the small loan application information including the customer information, mobile phone number information, and loan application amount information is input through the user interface (315), the terminal receives the inputted customer information through the communication channel; The small loan application information including the mobile phone number information and the loan application amount information is transmitted to the server (320).

When the microloan application information including the inputted customer information, mobile phone number information, and loan application amount information is transmitted to the server through the communication channel, the microloan application information input through the user interface is provided in the terminal. Digital signature and encryption through the security module to be transmitted to the server.

Subsequently, the server receives small loan application information including customer information, mobile phone number information, and loan application amount information through the communication channel (325), and the mobile phone number information included in the received small loan application information. Check the small loan limit amount information (330).

If the small loan limit amount information corresponding to the mobile phone number information included in the small loan application information is not confirmed (335), the server determines the small loan limit amount confirmation error information corresponding to the received small loan application information. After generating and transmitting the error information to the terminal through the communication channel (340), and then ends the process.

On the other hand, when the microcredit limit amount information corresponding to the mobile phone number information included in the microcredit application information is confirmed (335), the server checks the received microlending application information and the confirmed microlending limit amount information. Check the validity and loan approval (345).

According to an embodiment of the present invention, when the microloan application information received through the information receiving unit 100c further includes a predetermined password for confirming the validity of the microloan application information, the validity confirming unit 100d ) Authenticates the validity of the received small loan application information by comparing and authenticating the received password included in the small loan application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the small loan application information received through the information receiving unit 100c further includes a predetermined OTP code for checking the validity of the small loan application information, the validity checking unit 100d may determine the small amount. By comparing and authenticating the received OTP code included in the loan application information and the OTP code generated based on the predetermined OTP generation information provided corresponding to the customer on the DBMS, the validity of the received small loan application information is verified. Authenticate

If the validity of the microlending application information is not authenticated (350), the server generates a financial transaction processing history including predetermined microlending application error information corresponding to the validity error information, and establishes the communication channel. The financial transaction result information including the financial transaction processing history is transmitted to the terminal through the terminal 355.

On the other hand, if the validity of the small loan application information is authenticated (350), the server generates a one-time password to provide a small loan service provided between the financial company and the communication company for the small loan, the one-time password through the communication channel The mobile terminal 360 transmits the generated one-time password and the small loan request amount included in the received financial transaction request information to the mobile phone number information and stores 365 in the storage medium 110 for a series of information. Complete the process.

4 is a diagram illustrating a financial transaction system of a non-face-to-face providing system between a financial company and a telecommunication company for a small loan according to an embodiment of the present invention.

More specifically, FIG. 4 shows that a predetermined customer provides financial transaction request information including one-time password information to provide a microlending service between the financial company and the telecommunication company for the microlending to a financial transaction system through a predetermined financial transaction interface. In response to the one-time password information included in the provided financial transaction request information in the financial transaction system, after confirming the approved loan request amount, the system configuration for providing the confirmed loan request amount through the automation device 430 It is about.

Referring to FIG. 4, the financial transaction server 400 receives a one-time password provided through the microloan processing system shown in FIG. 1 from an automated device 640 connected to the financial transaction server 400 through a communication network. When the information receiving unit 400a, the validity confirming unit 400b for checking the validity of the received one-time password, and the validity of the received one-time password is confirmed, the automated device 430 that transmits the one-time password. When the loan application amount is withdrawn through the automated device 430 from the financial transaction processing unit 400c and the financial transaction processing unit 400c to process the loan application amount stored in connection with the one-time password through the withdrawal, the The loan processing history information according to the loan application amount processing is connected to the mobile phone number information, and stored in the storage medium 410 shown in FIG. An information storage unit 400e is provided.

The information receiving unit 400a is characterized in that receiving a one-time password transmitted by inputting through a non-bankbook / cardless financial transaction interface provided through the automated device 430, the received one-time password is validity verification unit 400b Is provided.

The validity confirming unit 400b checks whether the one-time password received from the automated device 430 is a one-time password provided to the loan application terminal for providing a small loan service.

According to the embodiment of the present invention, when receiving the one-time password from the automation device 430, and the point information stored in connection with the one-time password is confirmed, the point information and the installed automation device 430 to transmit the one-time password is installed; It is advisable to further check the linkage.

When the validity of the one-time password is confirmed, the financial transaction processing unit 400c is connected to the financial system equipped with an account ledger corresponding to an account managing a small loan limit amount associated with the one-time password. The loan application amount associated with the one-time password stored in is characterized in that the processing to be withdrawn through the automated device (430).

Referring to FIG. 4, the financial transaction server 400 transmits the mobile phone number to the telecommunication company server 420 to which the mobile phone number is subscribed in order to settle the loan amount according to the details of the loan processing stored in the information storage unit 400e. And an information transmission unit 400d for processing the sum of the communication charges for the number.

FIG. 5 is a flowchart illustrating a process of processing a financial transaction for providing a mobile microlending service through a telecommunications company in a non-face-to-face manner to provide a microlending service between a financial company and a telecommunication company for microlending according to another exemplary embodiment of the present invention. Drawing.

In more detail, FIG. 5 illustrates a case in which the client terminal is provided with a non-face-to-face banking server function in which the financial transaction server 400 on the financial transaction system shown in FIG. 4 is accessible to a client terminal through a predetermined network means. After connecting to the financial transaction server 400 and connecting the communication channel for the financial transaction, and transmits the financial transaction request information including the one-time password information to the financial transaction server 400 through the communication channel And a method for providing a financial transaction for providing a small loan service between a financial company and a telecommunication company using the one-time password information included in the received financial transaction request information in the financial transaction server 400. .

Referring to FIG. 5, the terminal shown in FIG. 4 connects a communication channel with a server through the network means (500).

When the communication channel is connected to the server through the network means, a one-time password is transmitted to provide a mobile microloan service through a communication company partnership through the connected communication channel (505).

Thereafter, the server receives the one-time password information transmitted from the terminal through the communication channel and checks the validity of the received one-time password information (510).

According to another embodiment of the present invention, the validity check for the one-time password, in addition to the one-time password from the automated device 340 further receives a mobile phone number, the first check the received mobile phone number, the mobile phone number It is preferable to check whether the connection with the stored one-time password is secondary.

If the validity of the one-time password received from the terminal is not confirmed (515), the server generates validation error information on the received one-time password, and the generated error information through the communication channel Transmission to the terminal (520).

On the other hand, if the validity of the one-time password received from the terminal is confirmed (515), the server checks the point information installed the automated device 430 that transmitted the one-time password (525), the confirmed point information In operation 530, the controller determines whether it is associated with the point information stored in the storage medium 410 in connection with the received one-time password information.

According to the exemplary embodiment of the present invention, when receiving the one-time password from the automation device 430, and the stored point information connected to the one-time password is confirmed, the information on the point where the automatic device 430 that has transmitted the one-time password is installed. It is desirable to confirm further.

If, in connection with the one-time password information is not associated with the point information stored in the storage medium 430 (535), the server generates the point information confirmation error information, and transmits to the terminal through the communication channel (540) ).

On the other hand, when it is linked with the point information stored in the storage medium 410 in connection with the one-time password information (535), the server is connected to the received one-time password loan stored in the storage medium 410 shown in FIG. Using the one-time password received through the terminal, the application amount is processed so that the microcredit requested by the customer is withdrawn from the automated device (545) to end the series of processes.

100: small loan providing server 100a: interface unit
100b: interface providing unit 100c: information receiving unit
100d: validation unit 100e: information validation unit
100f: loan review department 100g: information
100h: information transmission unit 100i: electronic document generation unit
100j: electronic document transmission unit 100k: information storage unit
110: storage medium 120: electronic document server
120a: electronic document receiving unit 120b: information generating unit
120c: electronic document storage unit 130: electronic document D / B
140: loan application terminal 140: communication company server

Claims (5)

When the terminal information and the small loan amount request are received from the client terminal in connection with the storage medium provided in the financial company server, the financial company may collect the small loan application amount through the communication fee based on the received terminal information. Means for verifying whether a carrier is affiliated with;
Means for confirming the information of the terminal from the terminal of the customer to confirm the small loan limit amount;
Means for checking the small loan amount and the limit amount requested by the customer, and checking whether the customer can collect in addition to the mobile phone fee through a telecommunication company server; And
Means for approving the withdrawal process through an automated device by generating a password in the financial company server and transmitting it to the terminal of the customer if the small loan amount can be collected in addition to the mobile phone fee through the telecommunication company server; and Provided between the financial company and the telecommunications company for a small loan, characterized in that made. The method of claim 1, wherein the means for checking whether the charge can be collected in addition to the mobile phone fee through the telecommunication company server is provided to the terminal of the customer when the requested small loan amount is approved or not approved. A system for providing a loan between a financial company and a telecommunications company for transmitting a small loan. The system of claim 1, wherein the password transmitted to the customer requesting the micro loan using the automated device is a one-time use. The system of claim 1, wherein the means for approving the withdrawal process through the automated device is further subjected to an authentication procedure with a point where the automated device is installed. The system of claim 1, wherein the microcredit requested using the terminal is a microcredit without a bank account, a cash card, and a credit card.

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